Podcasts about social security

Daniel 8 paints a vivid picture of the ram and the goat — symbols of kingdoms and powers that rise and fall. These ancient visions don't just belong to history; they point ahead to events that echo through our world right now. As nations realign and global systems tighten their grip, the warnings in Daniel begin to sound more and more like headlines we see today. From the rise of powerful leaders to the foreshadowing of the Antichrist, these prophecies remind us that the stage is being set for what Scripture has already revealed. The message carries us straight into the heart of end times prophecy, weaving Daniel's vision together with Revelation 13, 2 Thessalonians 2, and Matthew 24. Signs of the rapture, the rise of a global system, and the call to remain watchful and faithful are all there. It's a wake-up call that what was written thousands of years ago is coming alive in our generation — and it points us to the urgency of clinging to faith as we await the return of Christ. --------------------------------------------------------------------------------------------------------------

In this slight twist to the "real" person episode format, Andy doesn't interview a real person but instead addresses the most common retirement planning questions he gets from "real" people. The questions addressed are:Do I have enough to retire?When can I retire?How much cash should I have?When should I start my Social Security?How do I get money out of my portfolio?How do I pay taxes?Should I do Roth conversions? If so, how much?Links in this episode:Tenon Financial monthly e-newsletter - Retirement Planning InsightsFacebook group - Retirement Planning Education (formerly Taxes in Retirement)YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)Retirement Planning Education website - www.RetirementPlanningEducation.com To send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.com

Wall Street is reportedly worried that President Trump will come after big banks the way he did big law firms and elite universities.On Today's Show:William Cohan, co-founder of Puck News and author of many books, including Power Failure: The Rise and Fall of an American Icon (Penguin Random House, 2022), talks about the many ways President Trump is interfering in big U.S. businesses 

European leaders to join Ukraine's Zelenskyy for White House meeting with Trump, Hurricane Erin forecast to create dangerous surf along US coast, and steps to collect the $5,108 max monthly Social Security check in retirement.

Adam and Jeff discuss the uncertain future of Social Security, the real reason Trump took over the DC police, Gavin Newsom's plan to fight Texas gerrymandering, creepy tentacle rabbits, and so much more!Show notes: https://rebrand.ly/modgyxw

In this episode, Don and Tom confront the emotionally charged—and often financially tragic—decision to claim Social Security early. They debunk three common justifications: fear of system insolvency, false break-even math, and “I just want my money.” Don shares his own benefit numbers as a real-world example of the value of waiting, especially for married couples. They also address why many can't wait and explore whether alternatives like balanced portfolios or annuities make sense. Later, they roast misleading “hybrid pension” annuity schemes from KCIS, field smart ETF questions about AVGE and AVNM, and talk target-date funds, including why some belong only in tax-deferred accounts. The show ends on a lighter note with a detour into the surprising origin stories of Cocoa Beach, Florida—and a well-earned nod to Don's daughter for her killer disclaimer voiceover. 0:04 Tom's Goldilocks routine: too hot, too cold, never just right 1:05 Why early Social Security claims can be financially tragic 2:11 Top emotional excuses people use to claim early 3:19 The 2033 funding deadline and how Congress will likely delay action 4:16 Misconceptions about break-even math and spousal survivor benefits 5:01 Real example: Don's $49K vs. $58K annual benefit if he waits 6:55 The “just want my money” crowd: emotional logic at its worst 8:13 Average claiming age has improved, but still too early for most 9:38 Can you bridge the income gap to delay claiming? Not if you're broke 10:55 Permanent 30% cut if you claim at 62 vs. full retirement age 11:52 Why working longer might be the best—and only—solution 13:12 Retirement isn't a permavacation: the mental toll of early retirement 14:18 Emotion vs. planning: the real battle in financial decisions 14:41 Listener Q: KCIS hybrid pension pitch = pure annuity sales 16:17 Indexed annuities, tax-free income claims, and SEC loopholes 17:50 Listener Q: AVNM vs. AVGE – how to structure your global ETF allocation 18:50 AVGE = one fund; AVNM + AVUS = smarter two-fund DIY 19:59 Listener Q: iShares target-date ETFs and the risk of fund closure 21:17 Why target-date funds don't belong in taxable accounts 22:19 Why is Cocoa Beach called Cocoa? Three weird theories Learn more about your ad choices. Visit megaphone.fm/adchoices

Have you ever felt a quiet sense of pride after giving, like you were just a little more faithful than others?It's a subtle temptation, but one we must take seriously. When our giving becomes a way to elevate ourselves rather than glorify God, we've missed the heart of generosity—and possibly much more.When Giving Becomes About UsSelf-righteous giving hides behind good behavior. It's giving to feel morally superior. Giving to prove we're spiritually ahead. Giving to show God—or others—that we've “got it right.”Jesus addressed this in Luke 18:“Two men went up to the temple to pray, one a Pharisee and the other a tax collector… The Pharisee… prayed: ‘God, I thank you that I am not like other people… I fast twice a week and give a tenth of all I get.' But the tax collector… said, ‘God, have mercy on me, a sinner.' I tell you that this man, rather than the other, went home justified before God.”The tithing, fasting Pharisee was not justified—not because his actions were wrong, but because he trusted in himself.The Heart CheckReligious acts, even impressive ones, can't save us. When we give to make ourselves look good, we risk trusting in our performance rather than Christ's finished work.There's nothing wrong with joy in giving—God loves a cheerful giver. But when joy turns to superiority, we've crossed the line. As Deuteronomy 8 reminds us:“Remember the Lord your God, for it is he who gives you the ability to produce wealth…”Everything we have—even the ability to give—comes from Him.Giving That Glorifies GodJesus warns in Matthew 6 not to give for the sake of being noticed. True generosity is humble, often quiet, and motivated by gratitude. It's giving that reflects Christ, not ourselves.John the Baptist put it best: “He must increase, but I must decrease.”So, if you notice pride in your giving:Confess it to the Lord. His grace cleanses and corrects.Refocus on gratitude. Remember how much you've been forgiven.Practice hidden generosity. Give anonymously or where no one will notice.Before each gift, pray: “Lord, may this reflect You, not me.” Because generosity is never about proving ourselves—it's about responding to the One who gave everything for us.On Today's Program, Rob Answers Listener Questions:I'm 52 and currently have about 71% of my 401(k) invested in company stock, which has been generating returns of 30–36%. When and how should I begin diversifying to protect my retirement savings while still benefiting from my company's potential growth?My husband (62) and I (58) are debating whether to start collecting Social Security now. We still run our own business and earn an income, but I'm concerned about how starting Social Security could affect our Medicare coverage. What's the best strategy for our situation?I own and rent out a three-unit apartment building and want to know if there are any advantages to placing the property in an LLC.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Protests outside the offices of U.S. Senators Roger Wicker and Cindy Hyde-Smith call for guardrails on national spending cuts. Additional concerns are being raised about a viral comment made by Senator Wicker.Then, Social Security turns 90. We hear from the AARP of Mississippi about what the program does for folks in the state.Plus, Hurricane Katrina pummeled the Gulf Coast, ending Amtrak service. Now, 20 years later, the wheels are finally rolling again. Hosted on Acast. See acast.com/privacy for more information.

Follow Chris on socials ‪@ChrisHandOnAir‬ Watch and listen to the Chris Hand Show from 9 to Noon Follow Monica Paige @MonicaPaigeTvSee omnystudio.com/listener for privacy information.

HOUR 3 of the Chris Hand Show 08-15-2025| aired on Friday on SuperTalk 99.7 WTNSee omnystudio.com/listener for privacy information.

Jon Herold, Burning Bright, and Chris Paul go live from The Great American Restoration Tour to break down newly revealed intel corruption and Trump's latest maneuvers. They spotlight James Clapper's admission of the Russia hoax as a “team sport,” Adam Schiff's role in leaking classified information, and the Obama DOJ's decision to shut down FBI corruption probes into the Clinton Foundation. The hosts also discuss Trump's Social Security shakeup, whistleblowers returning to the IRS, and an executive order aimed at securing America's pharmaceutical supply chain. From CIA officials stripped of clearances to the media acting as intel's propaganda arm, this episode delivers a raw, unfiltered look at the machinery of corruption, and the countermeasures being put in place to dismantle it.

Tax planning might be the most consequential part of your retirement plan... If you plan well, you could save yourself hundreds of thousands of dollars over your lifetime. If you don't plan at all, you could give up a huge amount of your hard earned savings.In this episode, I share 5 of the most common tax planning mistakes that I see as a retirement planner.

Chris calls it like he sees it—whether you like it or not. In this hour of Watchdog on Wall Street, Trump channels his inner John Gotti while Mark Cuban praises the Trump export tax. Chris breaks down the good, bad, and ugly of this policy and what it means for American business. Plus—the creeping “death” of capitalism, an ugly budget deficit, and why Social Security reform remains a political coulda-woulda-shoulda. Straight talk on policies, their market impact, and what you need to know for your investments.

8.14.2025 #RolandMartinUnfiltered: Texas Redistricting Battle Rages; Gov. Newsom's 'Election Rigging' Measure; Trump Pushes PragerU In Texas, the redistricting battle continues. Top state Republicans have announced they'll adjourn the current special legislative session early this Friday--only to immediately gavel in a brand new session that same day. We'll speak with several Texas state representatives about what's really going on and what's next. California Governor Gavin Newsom hosted a live press conference featuring multiple state officials to announce the launch of the Election Rigging Response Act--a proposed ballot measure aimed at countering Republican-led redistricting efforts in Texas. Also tonight, Prosecutors in Florida have announced they will not pursue charges against the sheriff's deputy involved in the controversial arrest of William McNeil Jr. We'll break down what this decision means. Plus, outrage is growing over Donald Trump's replacement for PBS--a controversial animated video produced by PragerU. The video features a cartoon Christopher Columbus claiming "slavery was no big deal." And as Social Security celebrates its 90th anniversary, President Trump has signed a proclamation from the Oval Office, promising to "always defend Social Security" while touting a new tax cut for seniors. Uh huh... we've got a few thoughts on that. BlackStarNetwork partner: Fanbasehttps://www.startengine.com/offering/fanbase This Reg A+ offering is made available through StartEngine Primary, LLC, member FINRA/SIPC. This investment is speculative, illiquid, and involves a high degree of risk, including the possible loss of your entire investment. You should read the Offering Circular (https://bit.ly/3VDPKjs (https://bit.ly/3ZQzHl0) related to this offering before investing. Download the Black Star Network app at http://www.blackstarnetwork.com! We're on iOS, AppleTV, Android, AndroidTV, Roku, FireTV, XBox and SamsungTV. The #BlackStarNetwork is a news reporting platform covered under Copyright Disclaimer Under Section 107 of the Copyright Act 1976, allowance is made for "fair use" for purposes such as criticism, comment, news reporting, teaching, scholarship, and research.See omnystudio.com/listener for privacy information.

Brandi Kruse and Zach Abraham dive into all things Department of Government Efficiency and beyond in this weekly series. On this episode: Trump and Putin meet. DOGE gets green light to access personal data. Social Security is racing toward insolvency, should the U.S. lower benefits or increase taxes?

DC gets federalized. Trump vows its now the model for sanctuary cities. Karen Bass and Gavin Newsome beg Trump to leave illegals and criminals alone. CNN begs the Democrats to stop defending criminals. DC bows to Trump, ends sanctuary status. Hundreds of thousands of illegals found on Social Security, kicked off? A national debt and deficit all-time record. (Please subscribe and share.) Sources: https://x.com/theblaze/status/1955261194446455112 https://x.com/C__Herridge/status/1955429663473353151 https://redstate.com/nick-arama/2025/08/14/mayor-bass-response-to-bp-arrests-outside-newsom-rally-n2192830

Shaun is NOT celebrating the 90th Anniversary of Social Security - he wants to tear that Ponzi Scheme down! PLUS, Shaun talks to Robert Steinbuch, Professor of Law at University of Arkansas - Little Rock, about the low standards of Islam, Hamas causing the Gazan's own suffering, and the phenomenon of the lowering of standardized test scores in the United States. Patrick Livney, CEO and Chairman of Cure-CMT, tells Shaun about his life with Charcot-Marie-Tooth Disease, how golf saved him, and how he continues to help the next generation of CMT patients. And Gregory Wrightstone, Executive Director of the CO2 Coalition, celebrates the greatest untold story of the 21st century of our thriving ecosystem and slowly gaining our freedom of choice back with the Trump Administration.See omnystudio.com/listener for privacy information.

Donald Trump kicks 275,000 illegal immigrants off of Social Security. He's doing them a favor. Reserve Your Free Ticket to the Expat Money Summit 2025https://2025.expatmoneysummit.com/?ac=4Sp5NwV9/Support The Show:https://peddlingfiction.substack.com/

A discussion on the political struggle to gain access to federal government databases and the subsequent findings of widespread fraud. The hosts recount the conflict between the new administration, led by the Department of Government Efficiency (DOGE) and its allies, including Treasury Secretary Scott Bessent, and entrenched bureaucrats and Democrats who fought to block access. The hosts detail the legal battles and ultimate success in accessing the Social Security database. They reveal the findings, which include 275,000 illegal immigrants and 12.4 million people over 120 years old on the Social Security rolls. The hosts argue this fraud was a deliberate strategy by the previous administration to pad voter numbers and provide income to a demographic of new immigrants. The segment concludes with a critique of Democratic opposition to these "America First" policies and a preview of upcoming show topics.

The host discusses the effectiveness of the administration's new strategy to use federal power to address illegal immigration and lawlessness in sanctuary cities. The host links this to previous incidents of civil unrest, arguing that a similar show of federal force is now being used to combat illegal immigration. The host notes that in a new development, the mayor of Washington D.C. has begun to cooperate with federal immigration agencies, ending sanctuary city policies, and that this could be a blueprint for other cities. The host then claims that Democrats are hypocritical for being outraged by an ICE raid outside a Gavin Newsom press conference, while simultaneously supporting laws that benefit criminal immigrants. The host argues that this is not about public safety, but about the Democrats' desire to secure future voters. The host connects this to a wider issue of voter fraud, with Social Security numbers being given to illegal immigrants for the purpose of getting on the payroll and inflating census numbers. The host believes these actions show a powerful, centralized effort to subvert the political system.

This week's transcripts reveal a series of interconnected political events and commentaries, all framed as a battle against a corrupt "deep state." The host begins by celebrating the President's success in uncovering massive Social Security fraud, including payments to over 275,000 illegal immigrants and 12.4 million deceased individuals. This discovery is linked to a long-running political and legal battle to gain access to federal databases, which the host claims was deliberately blocked by bureaucrats to conceal the fraud. The discussion then shifts to the administration's aggressive stance on immigration, highlighting federal law enforcement actions in sanctuary cities. The host applauds the DC mayor's decision to end the city's sanctuary status and details a dramatic ICE raid outside a Gavin Newsom press conference in Los Angeles. The host argues that the Democrats' outrage over these events is a direct result of their reliance on illegal immigrants as a political base and their belief that federal laws do not apply to them. Finally, the host delves into the highly anticipated summit in Alaska between the President and Vladimir Putin. The host presents the meeting as a high-stakes effort to repair a relationship that was intentionally damaged by the "Russia collusion" hoax, which the host claims was orchestrated by Hillary Clinton's campaign and the deep state to justify sanctions and nearly cause a war. The host suggests the meeting is a "deep state-free" negotiation to de-escalate the conflict, apologize for past lies, and create a new financial partnership. The week's commentary concludes with an analysis of a CNN poll showing Democrats are losing public support on crime and a critique of Republican spending habits, all presented as evidence of a systemic political crisis that the administration is working to fix.

The host discusses the results of a political and legal battle for access to the federal government's databases, revealing what was hidden within the Social Security and Treasury records. The host describes the initial conflict between the newly appointed Treasury Secretary and career bureaucrats who refused to hand over passwords to the payment systems. The hosts highlight the "mind-blowing" findings, including over 275,000 illegal immigrants receiving Social Security checks, with many checks being mailed to people who have already left the country. Additionally, they reveal that 12.4 million Social Security numbers belong to individuals listed as being over 120 years old, with over 135,000 being over 160 years old. The host connects this fraud to a larger political strategy, arguing that the previous administration deliberately enabled this system to artificially inflate census numbers for redistricting and to secure future votes. The discussion concludes by connecting the findings to the resignation of key bureaucrats and the ongoing efforts to expose corruption within federal agencies.

Is Social Security really running out of money, or is that just a headline meant to scare you? In this episode, we cut through the noise to uncover the truth about its future, its viability, and how it actually works. You'll learn how to separate political fear tactics from the facts, why the “trust fund bankruptcy” story isn't the whole picture, and how your claiming strategy could mean hundreds of thousands of dollars gained or lost over your lifetime. Take The Pilot Wealth Index to find out if you are on track for retirement! You can find show notes, resources and more at: https://tinyurl.com/4cr6bm56 

Live from The Great American Restoration Tour in Deadwood, CannCon and Chris Paul tear into fresh revelations about deep state coordination, media complicity, and political protection rackets. They break down newly declassified documents exposing James Clapper's “team sport” approach to the Russia hoax, Swalwell and Schiff's leaked intel antics, and John Solomon's bombshell on how the Obama DOJ shut down FBI corruption probes into Hillary Clinton. The conversation hits everything from CIA spooks losing security clearances to the media's long-running role as the intel community's PR arm. Trump's Social Security cleanup, whistleblowers returning to the IRS, an executive order securing the U.S. pharmaceutical supply chain, and a hilariously bizarre DOJ sandwich-throwing felony case round out this high-energy, no-holds-barred broadcast from GART.

How do social movements arise, wield power, and bring about meaningful change? Renowned scholar Linda Gordon investigates these and other salient questions in this “visionary, cautionary, timely, and utterly necessary book” (Nicole Eustace), narrating how some of America's most influential twentieth-century social movements transformed the nation.Beginning with the turn-of-the century settlement house movement, the book compares Chicago's celebrated Hull-House, begun by privileged women, to a much less well known African American project, Cleveland's Phillis Wheatley House, begun by a former sharecropper. Expanding her highly praised book The Second Coming of the KKK, the second chapter shows how a northern Klan became a mass movement in the 1920s. Contrary to what many Klan opponents thought, this KKK was a middle-class organization, its members primarily urban and well educated. In the 1930s, the KKK gave birth to dozens of American fascist groups—small but extremely violent. Profiles of two other 1930s movements follow: the Townsend campaign for old-age insurance, named for its charismatic leader, Dr. Francis Townsend. It created the public pressure that brought us Social Security, which was considered radical at the time, as was the movement to bring about federal unemployment aid for millions.Proceeding to the 1955–1956 Montgomery bus boycott—which jump-started the career of Martin Luther King, Jr.—the narrative shows how the city's entire Black population refused to ride segregated buses; initiated by Black women, their years-long, hard-fought victory inspired the civil rights movement. Gordon then examines the 1970s farmworkers struggle, led by Cesar Chavez and made possible by the work of tens of thousands of the primarily Mexican American farmworkers. Together they built the United Farm Workers Union, winning better wages and working conditions for some of the country's poorest workers. The book concludes with the dramatic stories of two Boston socialist feminist groups, Bread and Roses and the Combahee River Collective, which influenced the whole women's liberation movement. Linda Gordon is professor emerita of history and University Professor of the Humanities at New York University. She is the winner of two Bancroft prizes for best book in American History.  Her previous work includes The Second Coming of the KKK and a biography of the photographer Dorothea Lange. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/history

Marc Cox kicks off the week with a mix of sharp political commentary and engaging local stories. Hour 1 dissects the Trump-Putin summit in Alaska, ICE enforcement updates, and critiques of local media hypocrisy, while spotlighting Saint Louis short-term rental rules and Cottle Village in Saint Charles. Hour 2 brings analysis from Nichole Ambrose on Trump's negotiation strategy and international pressures, plus light-hearted takes on the Kennedy Center honors, sports fandom, and quirky news items. Hour 3 features Brent Sadler of the Heritage Foundation on Russia and military recruitment, Congressman Bob Onder on U.S.-Israel relations and Missouri redistricting, and Kim's insights on parenting and societal shifts. Hour 4 dives into the Guns and Hoses Queen of Hearts raffle, Trump's Social Security reforms, Bevis Schock of the Holy Joe Society on the Francis Howell superintendent payout, and St. Louis Magazine's Burger Week, rounding out a full blend of political, local, and lifestyle coverage for conservative listeners.

Hour 4 kicks off with Mark sharing his take on Air Force One's fast flight to Anchorage and chatting about Alaska's surprisingly mild summer weather. The conversation transitions to the Guns and Hoses Queen of Hearts raffle benefiting Saint Louis Backstoppers, announcing this week's winner. Social Security becomes a key topic, with analysis of President Trump's recent remarks on system reforms, highlighting concerns about sustainability, means testing, and future payouts. Beavis Schock from the Holy Joe Society joins to discuss the Francis Howell superintendent controversy, explaining the payout to former superintendent Mike Dominguez and the importance of government transparency. The hour wraps with a fun segment on St. Louis Magazine's upcoming Burger Week, featuring 18 participating restaurants, prize opportunities via the app, and future foodie events.

Hour 2 opens with the Mark Cox Warning Show covering Air Force One's departure for Trump's Alaska summit with Putin, with commentary on sanctions, international stakes, and enforcement operations. Ethan Bright runs the top stories, including Social Security enforcement and lawmaker critiques. Nichole Ambrose joins to analyze Trump's negotiation strategy and Putin's cornered position, highlighting economic pressures, ceasefire possibilities, and past Trump peace deals. The hour shifts to lighter news with the Kennedy Center honors controversy, highlighting Trump's selections, Tom Cruise's absence, and Nicole Murray discussing sports fandom, economic updates, and the surprising abilities of dogs to sense behavior. It closes with everyday oddities: debates over parking techniques, a child-damaged restaurant table in New Jersey, quirky scholarships worldwide, and allegations surrounding the Presley estate.

D.C. attorney general sues Trump administration over 'hostile takeover' of police; Trump departs for high-stakes meeting with Putin in Alaska; Appalachia's gas boom fails to deliver jobs, economic growth in Ohio; Why some IL farmers rely on synthetic fertilizers; Social Security rallies planned for UT and across the country.

CA Governor announces mid-decade redistricting plan. Economists worry inflation is rising due to Trump's tariffs and Social Security workers fight back against cuts on the agency's 90th anniversary.

D.C. attorney general sues Trump administration over 'hostile takeover' of police; Trump departs for high-stakes meeting with Putin in Alaska; Appalachia's gas boom fails to deliver jobs, economic growth in Ohio; Why some IL farmers rely on synthetic fertilizers; Social Security rallies planned for UT and across the country.

Episode 65:  In this episode, Timalyn continues the discussion begun in Episode 64 about the One Big Beautiful Bill Act.  Today, she's explaining the no tax on tips deduction. If there is any part of this new tax law that you'd like to hear her cover, please let us know. No Tax on Tips Timalyn jumps right in to let listeners know that tips are still considered taxable income. In order for them to be deducted, they must also be reported to the IRS. The One Big Beautiful Bill Act created a new section in tax law that allows a maximum of $25,000 in qualified tips to be deducted from an eligible taxpayer's returns. This deduction is available for tax years 2025 - 2028.  To be eligible, the taxpayer must have a Social Security number. The social security number must be administered by the social security administrator prior to the due date of the tax return.  The tip is limited to the amount the taxpayer earned in qualified tips or $25,000, whichever is less.  For single taxpayers, the deduction begins to phase out once their modified adjusted gross income (MAGI) reaches $150,000. For taxpayers filing jointly with their spouse, that MAGI limit doubles to $300,000, but the deduction remains at $25,000. This deduction is not available to married taxpayers filing their taxes separately from their spouse. For every $1,000 the taxpayer goes over the MAGI limit, their deduction is reduced by $100.  The deduction is also available to self-employed taxpayers. They can only take the deduction up to the amount of their net income. It cannot create a loss.  Qualified tips must be cash and voluntary. This means that the payor has to select the amount of the tip. Tips earned in a tip-sharing arrangement or charged to a card count as cash tips for the purposes of this deduction.  Qualified tips will be found on the taxpayer's W-2, wage statements, contractor's 1099-NECs, and on third-party payment processing Form 1099-K. Taxpayers who report unreported tips on Form 4137 may also use that form to show their qualified tips.  Timalyn warns taxpayers that this is the year they may not want to let a family member who is not a professional handle their taxes. There are a lot of mid-year changes that, if not handled correctly, can lead to tax issues.  Need Tax Help Now? If you need answers to your tax debt questions, book a consultation with Timalyn via her Bowens Tax Solutions website.  Click this link to book a call. Please consider sharing this episode with your friends and family.  There are many people dealing with tax issues, and you may not know about it.  This information might be helpful to someone who really needs it.  After all, back taxes shouldn't ruin their life either. As we conclude Episode 65, we encourage you to connect with Timalyn on social media. You'll be able to subscribe to this podcast on Spotify, Apple Podcasts, YouTube, and many other podcast platforms.  Remember, Timalyn Bowens is America's Favorite EA, and she's here to fill the tax literacy gap, one taxpayer at a time.  Thanks for listening to today's episode. For more information about tax relief options or filing your taxes , visit https://www.Bowenstaxsolutions.com/ . If you have any feedback or suggestions for an upcoming episode topic, please submit them here:  https://www.americasfavoriteea.com/contact. Disclaimer:  This podcast is for informational and educational purposes only.  It provides a framework and possible solutions for solving your tax problems, but it is not legally binding.  Please consult your tax professional regarding your specific tax situation.

CNBC senior personal finance correspondent Sharon Epperson answers some of the biggest questions when it comes to Social Security. Also, George Oliphant, host of NBC's ‘George to the Rescue,' offers advice on the important home projects to take care of before summer ends. Plus, chef Anthony Vitolo shares three different ways to prepare pesto.

In this powerful recap, Lesley and Brad reflect on Joy Hoover's inspiring interview about redefining women's safety through community and innovation. They highlight how Joy is working to change harmful narratives around victim shaming and help people recognize red flags before it's too late. From revolutionary tools for drink spiking prevention to bold leadership in gender-based violence advocacy, this episode is a call to rethink how we can band and protect one another.If you have any questions about this episode or want to get some of the resources we mentioned, head over to LesleyLogan.co/podcast https://lesleylogan.co/podcast/. If you have any comments or questions about the Be It pod shoot us a message at beit@lesleylogan.co mailto:beit@lesleylogan.co. And as always, if you're enjoying the show please share it with someone who you think would enjoy it as well. It is your continued support that will help us continue to help others. Thank you so much! Never miss another show by subscribing at LesleyLogan.co/subscribe https://lesleylogan.co/podcast/#follow-subscribe-free.In this episode you will learn about:How Joy Hoover is using innovation to revolutionize women's safety.Why collective action is more powerful than doing it alone.The real cost of gender-based violence and what we can do about it.The importance of storytelling and community in social impact work.Why listening to survivors is key to building safer communities.Episode References/Links:OPC Summer Tour - https://opc.me/tourUK Mullet Tour - https://opc.me/ukP.O.T. Chicago 2025 - https://www.pilates.com/pilates-on-tour-chicagolandCambodia October 2025 Retreat Waitlist - https://crowsnestretreats.comFree Mat Pilates for Strength Training - https://www.fullbodyin15.comSubmit your wins or questions - https://beitpod.com/questionsEpisode 439: Tia Levings - https://beitpod.com/tialevingsEpisode 352: Tess Waresmith - https://beitpod.com/tesswaresmithBad Dates Podcast - https://beitpod.com/baddatesEsōes Cosmetics Website - https://www.esoescosmetics.com If you enjoyed this episode, make sure and give us a five star rating and leave us a review on iTunes, Podcast Addict, Podchaser or Castbox. https://lovethepodcast.com/BITYSIDEALS! DEALS! DEALS! 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And I think like if we can all think about it differently, we can actually start to spot things and support people instead of going well, how did that happen to them? Lesley Logan 0:16  Welcome to the Be It Till You See It podcast where we talk about taking messy action, knowing that perfect is boring. I'm Lesley Logan, Pilates instructor and fitness business coach. I've trained thousands of people around the world and the number one thing I see stopping people from achieving anything is self-doubt. My friends, action brings clarity and it's the antidote to fear. Each week, my guest will bring bold, executable, intrinsic and targeted steps that you can use to put yourself first and Be It Till You See It. It's a practice, not a perfect. Let's get started.Lesley Logan 0:55  Welcome back to the Be It Till You See It interview recap where my co-host in life, Brad, and I are going to dig into the groundbreaking convo I had with Joy Hoover in our last episode. If you haven't yet listened to that interview, feel free to pause this now and go listen to that one, or listen to this one and then listen to that one. You can do whatever order you want, but it's one you have to listen to. Brad Crowell 0:58  Whatever you want. Lesley Logan 1:00  I mean, I say it on all episodes, you got to go listen to it because, you know, we can only cover so much of what the guest said, but it's also like quite a unique, amazing thing. So Today is August 14th 2025 and it's got two things for you. I'm sure Brad want me to choose. I'm not going to do it. National, it's National Financial Awareness Day. So how much would you like to bet that most people don't know August 14th is National Financial Awareness Day?Brad Crowell 1:43  Well, it's about betting. They were being cute. I think it's cute. Lesley Logan 1:46  They still managed to say the date and the name. Brad Crowell 1:49  100% of the time they answer the question, they re-ask the question when answering the question always.Lesley Logan 1:54  It's more important than you think. And plus, what's more fun than financial independence?Brad Crowell 1:58  What is more fun? Yay. Skippy.Lesley Logan 2:01  Hey, you know what? Financial independence is literally the thing that, if you have you can do anything you want. You can leave any job, shitty relationship, shitty situation. Financial independence is like the thing. It's more, I think it's more important than just like, the ability to walk, you need to have financial independence.Brad Crowell 2:19  It's funny because it sounds silly, but at the same time, it's not something that anyone ever talks about. Like, no one, like, you're not taught this stuff at school. Right?Lesley Logan 2:32  Yeah, no, you're, no. I think I was taught to balance a checkbook, as if that did anything for me. But I like, I think about Tia Leving's episode. Brad Crowell 2:39  I have to say I was thinking about that.Lesley Logan 2:41  And I think about.Brad Crowell 2:42  If y'all don't remember, she was stuck in an abusive relationship where she had no control over the finances, and she couldn't leave, even though it was abusive, because if she did, she. Lesley Logan 2:52  Would lose her kids. Brad Crowell 2:54  She would lose her kids because she didn't have any money to support her kids. Lesley Logan 2:56  Yeah, this is where, like, a lot of people were like, oh, why don't they just leave? It goes back to, like, the Diddy stuff, oh they could have just left. No. When they're controlling your career, when they're controlling how where you live, and they're paying your rent and all these things, even if you think, oh, well, they did this. It was, there's, there's control, there's not financial independence, and if we have to teach that, even if the person's not abusive, because there's plenty of people who are partners, who are parents, who are bosses, who are non-abusive. Brad Crowell 3:03  Sure. Lesley Logan 3:05  But everybody deserves to have financial independence and financial awareness information so that they can make sure they're making the right decisions for themselves. And then they have options. You always have choices. Okay, back to why they want to educate us. So, first off, think about that great feeling you get when you don't have the looming spin specter of debt hanging over you. Also sound financial decisions can really make a difference down the road. Remember, retirement is a time to take all those vacations you couldn't when working the daily grind. I have so many problems with this day already, because you shouldn't wait for a retirement to take those vacations and don't let people tell you, debt is a big (inaudible).Brad Crowell 4:01  I was going to say the same thing, like, sure, debt can be looming, especially if it's like credit card debt that's keeping you bound. Lesley Logan 4:08  Yes, because they control you. Brad Crowell 4:09  Well, it's not just that. It's like, it's it's a it's oppressive to to moving forward because you're just paying the interest. But at the same time, like, I think my relationship with that changed when I became a business owner, because, you, you it's part of businesses also, you know, you can also have debt, and you can manage that debt without it destroying everything, so.Lesley Logan 4:30  And also, a good credit score is because you can show that you can manage debt. That's what it is. It's not being debt-free. It's managing debt. Which is which, yeah, okay, so there was good intentions with this day, anyways. Because money is important to our overall peace of mind, Financial Awareness Day is a great time to review where you are now and where you're going financially. Don't let bad financial decisions ruin the best years of your life.Brad Crowell 4:54  Okay, so we're just gonna stop reading this. But I think the points are still good. You know? I think, I think one thing that most, I'll tell you what I didn't do. I never reviewed my financial position. I didn't even know what that meant, right? I just knew that I needed to make enough money to get to the end of the month so that I could do it again, right? I never, like, stepped back and like was, was trying to look at like, oh, I have a car, the value of the car. Oh, I have a house, the value of the house, or, you know, whatever, like my, I have a savings account, or I have been putting money in my savings account. Do I have a plan? Never had a plan before, you know, the last couple of years and and now you can it's easy to get sidetracked from your plan. It's very easy to get sidetracked from your plan, unless you put things on an automated like your your money comes in, and then automatically, things happen at the end of the month. It's easy to forget to slide, you know, money over into your retirement fund, or whatever it might be, and you know, so what what you can do, which I think is really helpful, is to throw once a month review, you know, our just take a look at all the numbers. Take a look at it. Like, open up the credit card statement online, open up the bank account online, take a look at that. Like, log into your Social Security account. How weird is that to even say, does anybody do that? I do that. Okay. Lesley Logan 6:12  Yeah, I do it. I just don't I don't know, at this moment in time we're recording, I doubt we're gonna see any of it, but you should, I agree with you. Like, it's important to be aware of where all your accounts are, what's in all of them. Don't put your, don't be an ostrich. And also, like, please don't let the money stories of your parents or like, even your college years dictate like, what you think of yourself when it comes to money, because that attitude is not going to help you be it till you see it with financial success. Listen to our episode with wealth with Tess. That is the episode I want you to listen to if this day resonates with you. Okay, Love Your Bookshop Day. Of course, we talk about this becauseBrad Crowell 6:50  Tess's episode was 352. Lesley Logan 6:52  Wow. Brad Crowell 6:53  352Lesley Logan 6:54  So, Love Your Bookshop Day is celebrated every year, also on August 14th. It is a holiday that was founded by the Australian Booksellers Association. The aim is to appreciate bookshops around the country and highlight all the things that make local bookshops beneficial with an appreciation for books and encourages more people to read. Bookshops exist to serve the knowledge to the public, and that is a very important job. The more equipped bookshops are, the better quality of knowledge people can access to in a time when books are being ordered online, the local brick and mortar bookshop needs all the support it can get. You guys, they don't sponsor the show, but bookshop.org think that it's called, if you order your books through them, they send the money to support a local bookshop near you, and that if you want to have that online ease, but also support a local bookshop. I also like it's called a bookshop. So it's a bookstore. Anyways, go read a book. Go read, go read a book that's gonna, like, inspire you. Maybe I'll add a book (inaudible). Brad Crowell 7:47  Go sit in a bookshop, coffee shop. Lesley Logan 7:52  Oh my gosh. Have you been to the Writer's Block, babe? Brad Crowell 7:55  No, in Vegas? Lesley Logan 7:56  Yeah. Brad Crowell 7:56  Have not.Lesley Logan 7:57  Oh, they got a smoothie bar, coffee, a cat walk around. Don't take Bayon. Cats walking around the coffee shop. Maybe they have birds. I think it's a bird sanctuary, not cat sanctuary. Anyways, it is the coolest bookshop. And now listen to me, I'm gonna call it a bookshop my Australian accent, it's the coolest bookstore I've been to in a long time. But there's some other ones, and I actually want to start looking at some really cool bookstores when we start doing tours. Brad Crowell 8:19  It's a bird sanctuary. Lesley Logan 8:19  Yeah, bird sanctuary. You know how we like, we do vintage shops a lot. I think I want to switch that to, like, really cool bookstores, because there's some really cool bookstores out there. Okay, speaking of being on the road, we are on the road for a few more days, and so you can go to OPC.me/tour because I think you can get, if there's anything left, you can get to Idaho, Salt Lake or Las Vegas OPC.me/tour. Our winter tour will be announced in the fall, so stick around for that. Then we're home for a couple of weeks, and then, babe, we're headed to, where are we headed, in September, we're headed to the U.K. Brad Crowell 8:52  Yes, we're gonna, we're really fired up to be back to the U.K. and we actually have two stops we're doing this time. We're gonna be in Leeds and in Essex. So come join us. If you are in London. We actually set it up where you could be on a day pass with us.Lesley Logan 9:03  I think there's even all our workshops. So if you are someone who just wants to do one workshop now.Brad Crowell 9:07  Yeah, it might be. Go, go check it out. Go to opc.me/uk. We're going to be covering, it's mostly Pilates stuff. And then there's a couple of workshops. The workshops are skewed toward business, but they're not really business. It's like managing your calendar, that's managing, you know, how do you, how do you make an ideal schedule for yourself? And that, of course, can be used for business, but it's also you don't have to run a business to, you know, pull some benefits from that, and then, yeah, anyway, we can't wait to be back. It's gonna be awesome. In October, we're heading to Chicago. Lesley Logan 9:36  Yeah, there's Balanced Bodies, P.O.T. Chicago. And at the time of this record as this dropping, you can still get the early bird 10% off if there's any spots left. I do know that.Brad Crowell 9:46  Do you have a link for that? Lesley Logan 9:47  balancedbodypilates.com just like a P.O.T. Chicago and it comes up, like it kind of just comes up. But anyways, yeah, of course, it's a long link. However, when they emailed me last week, it was 75% sold out. So just so you know, don't wait on that. Then we're gonna go from Chicago to Cambodia.Brad Crowell 10:07  Directly, literally. Don't even go home. We just go straight through San Francisco to Cambodia. That's gonna be amazing. And basically, you know, we got, we still got room, and there's still time. It's only August. We're not going till October, right, so.Lesley Logan 10:20  Oh I know, people signed up for last one in December, we went. Brad Crowell 10:24  Six weeks ahead of time. Yeah. We had someone sign up six weeks ahead of time so. Lesley Logan 10:29  We had someone signed up two weeks ahead of time. Brad Crowell 10:29  Oh, it was only two. Lesley Logan 10:29  The last October, my mom's. Brad Crowell 10:31  Yeah, yeah, it was only two. Okay, yeah. So anyway, yeah, so it's possible there's still plenty of room come join us. It's gonna be amazing. And then, like, randomly, on the way home from Cambodia we're gonna be in Singapore.Lesley Logan 10:43  Yeah. So we're gonna see the Botanical Gardens, and we're working on teaching a gig. So you know, Singapore, Hi, we're coming. Brad Crowell 10:49  Yeah, we're coming. Lesley Logan 10:50  And then, of course, December is winter tour. We should be announcing all of that in the fall, so come October. But if you want to host with us, reach out. The team will help you fill out the forms. And if we're on the path this year, yay. And if we're not, we'll save you for another time. But don't, don't wait.Brad Crowell 11:06  Yeah that's going to be awesome. Before we get into this really interesting convo with Joy Hoover, also, like, scary-a-little-bit convo with Joy Hoover. From the statistics were like, mind blowing. I was like, What the hell. But before we get there, we got a question from Corinne_ca11 (aka Cori) from IG. She asks, hey, how many days a week do you recommend weight lifting in addition to your Pilates practice?Lesley Logan 11:34  Yeah, so here's okay. Brad Crowell 11:35  Great question. Lesley Logan 11:36  Great question. Personally, I lift weights three to four days a week and I do Pilates four to five days a week. Now, is that a scientific thing that you should be doing? I don't know. It's really works for my schedule. I particularly like an extra day of Pilates compared to my weight training, because I do feel like it keeps everything ready for the next one. Like weight training always makes my body feel a little bit heavy. I mean, of course, I feel great in it, and there's no knocks. Like, I believe every woman does need to lift some weights, but my body feels heavy. And so Pilates kind of like opens everything back up and readies it for the next time. And that's why I like it. But I will say, depending on what your goals are, you definitely, from what I've heard or what I've read, everyone should be lifting weights, two, three days a week, and then I believe Pilates should be done three to four days a week. And that doesn't mean hour long sessions, doesn't have to be, the amount of minutes is not as important as the consistency and the quality of the movement. So three quality reps over 10 is always better than it comes to Pilates, and that's just my opinion, but I particularly really like it, and I will we're actually we taught in Santa Barbara a workshop on mat Pilates for strength training, people who strength train. And I actually taught everyone there how to do a 20, 15-minute workout with 20 Pilates mat exercises that will benefit anyone who lifts weights. And you can literally do it after you lift all your weights at the gym, or you could do it before, or you could do it on your off days, or you could do it under your zone two as a way to, kind of like, stretch and move everything around. It's 15 minutes full body workout. It will absolutely improve your form and the results you're getting with your strength training. You can actually take a version of that workshop at fullbodyin15.com. Brad Crowell 13:17  Yeah, fullbodyin15.com love that, by the way, that's free. Lesley Logan 13:21  It's free. Brad Crowell 13:22  And it'll help you learn the five major spine shapes in Pilates and create that 15-minute workout. So definitely dig in there. Great question, Cori, thanks for that. If you have a question, text us at 310-905-5534 or because who can remember those phone numbers? Go to beitpod.com/questions beitpod.com/questions. Stick around. We'll be right back. We're gonna dig into this convo with Joy Hoover. Brad Crowell 13:49  Okay, now let's talk about Joy Hoover, who's our neighbor, by the way, temporarily, which is kind of cool. After experiencing a devastating family tragedy in 2013, Joy Hoover dedicated herself for 15 years in Vegas to improving women's safety, anti-trafficking and fighting gender-based violence. She founded the nonprofit Cupcake Girls, which y'all probably know because we support them with Profitable Pilates. And she later launched Esōes Cosmetics, pronounced SOS. It's spelled E-S-O-E-S the world's first patented smart lipstick featuring built-in drink testing strips and a panic button that is linked to a safety app. Her work has supported over 10,000 survivors and earned multiple awards and national media recognition. And it's quite, it's quite, quite clever. Lesley Logan 14:40  You know what's funny is we just recapped David Corbin, and you met Joy at the same exact event. Brad Crowell 14:46  David. Lesley Logan 14:48  Is that the same we just interviewed? Brad Crowell 14:50  Oh, yeah, yeah, yeah. Lesley Logan 14:51  You met them both at the same event.Brad Crowell 14:52  So yes, David, I did. I actually had lunch with Joy, or I sat at a table withJoy. Yeah, it was lunch. And then David was the after the event was over. You're right. What a great event that was.Lesley Logan 15:03  Yeah. And it's funny, because I didn't interview them near each other, but they're coming out next to each other, so that's hilarious. So we talked. I mean, first, I just want to say that, like, if you haven't yet listened to this episode and you there is, like, violent talk in there. There are some topics that could be triggering or activating in some people. So do take caution when you listen to it, but I do think it's really important to listen to because, I wanna highlight a couple parts of her story that have nothing to do. Well, they have a lot to do with all the things, but like, you can see yourself in those stories. So when she and her husband had their first kid, his dad killed his mom, and they just had a baby. And so can you imagine being new parents and then, like, dealing with, like, the, not just the loss of parent, but like.Brad Crowell 15:49  I think she said that their daughter was, like, eight days old and they had to fly across the country to handle that. Lesley Logan 15:51  I mean, of course, so tragic, but for them to figure out, for them to not let that define them, but instead allow them to create a, carve a path that could help them, use their story to support other people with different stories in them is really, really cool. And I think a lot of times we have these tragic things happen in our lives, and they become the story we tell ourselves that's held us back. Oh, I've lost seven people in my life. Oh, this happened, and I don't want to discount those things. Those are especially like, when you have abuse like that, ends in that way it is. It's devastating. But, I do think that, like. Brad Crowell 16:27  She said it was happening for like, 40 years. Lesley Logan 16:30  Yeah, and that's like, that's really hard to grow up around, to experience, to like, to have relationships and other things. And so I just want to say, like, I think that their their story and other people's stories that are similar, where they persevered through that. It kind of it, it changed who they are as parents and also how they raise their children, but also how they see other people. Because I think it's so easy to judge, like, why didn't she leave? Or why, like, we talked about this earlier with the financial stuff, like, Why didn't this? And it's like some of this stuff has been going on for so long, you know, you don't think it will ever turn to something that bad, right? So, and then the other thing that I want to highlight that happened to them as they started SOS, really cool company. Invest their life savings to, like, make this product, it's going to help.Brad Crowell 17:15  Raise money, like, had friends and family help support.Lesley Logan 17:17  It's gonna help people who, who need, access to support wherever they are, and obviously women, this is what the product is for. But we all need this. It can be helpful for anybody, but they had a fire like a freak electrical situation in their roof. First of all, the product helped get the fire department there. You have to listen to the story. It's insane. Brad Crowell 17:38  Faster than calling 911. Lesley Logan 17:39  Yes, faster than calling 911, this product, they were able to press the panic button and get the fire department there, which the fire department said, if they had, any, any minute later, they would have lost the whole house. So they got to keep the framework. Anyways, there's a lot going on there, but they lost all the product. Yeah, however, because they had to start from scratch, and they already had customers, and they'd already been going through it. They use it as an opportunity to make it even better. And I share this because, like, so many times, like.Brad Crowell 18:09  I mean, how do how deflating would that be that not only do you lose your house, but all your business at the exact same time. Lesley Logan 18:16  I mean, I don't even know how you just go get a job at Costco. Like, I don't even know how you go let me do this again. Brad Crowell 18:20  Let me start over. Lesley Logan 18:21  I, like, buy.Brad Crowell 18:22  After everything burned down. Lesley Logan 18:23  While I'm not living in my own home. Like, let me just start this over while like, all, that's what, I'm not gonna lie, like, I think I seriously would have got a job at Costco because I could get my steps in. You know, I hear good things. The hot dogs are $1.50 like, you know, like, I would have just, like, packed it in, but instead, they use it as an opportunity to make the product even better. Aand I think, as a business owner or someone who's working on a new project like we think we have to get it right from the first time, the first start, the first the first iteration has to be the best one. And actually, like most people's first ones are not the one that go like, not the one that goes to market. In fact, we have. Brad Crowell 19:01  How many websites have we rebuilt? Lesley Logan 19:03  Don't tell me. Don't tell me. But you know what? Even our mat deck, right? Like we have changed the mat deck, our Mat Flashcard Deck, because we put it out there, we sold 3000 decks, and then we printed a new version of it, because we've all the feedback we got. And then also how we know other people use the other decks? Ken Endelman said that, you know, Joe Pilates, a lot of his sketches and his patents that he sent in, and not really sent in, but he pretended like he did, those are not things he went to market with. He's like, you don't usually go to market with the first one. Like, you use that to get the patent, but that's not what what you go to market with. And so I think, like. Brad Crowell 19:38  I mean, even now, we've just made another change to the flashcard deck boxes, you know, like, like, like it. Because every time we learn something new, we're like, oh, we need to add that on, or we need to do this, or we should adjust this, or whatever. Lesley Logan 19:53  Oh, yeah, we have to made in the USA, on our boxes. Brad Crowell 19:55  How do we how do we miss that? Five years, we never, we were never (inaudible). Lesley Logan 19:58  Clearly, it wasn't like, I remember my dad, like, going, does it say made in the USA? No, you can't have it. So I don't even know how, like, I'd skipped my brain. We were printing it, but apparently it's a thing. Anyways, I just point this out, because even if you don't think the topic applies to you, you think, oh, I'm not going off having first dates, or I'm not, like, I'm not interested in this, every single one of us is going to do a first again? And then get frustrated because it didn't work. And honestly, it's because you're supposed to, you're supposed to go with the second thing or the third iteration. Brad Crowell 20:30  Yeah. I mean, there's also the tech. The tech part of the of it, it is proximity, or like, as well. So if somebody else in a room, if you are on the app and someone else in the room pushes the button, you will get notified as well. So like, you know, might not necessarily be you personally, who might be in that scenario, but it could be that you're in the proximity of someone who needs help. So, just interesting. Lesley Logan 20:53  Yeah, and this is, like, we're, we're like, you know, we can be, we always think we want it. We can be an alert for other people, but it's hard to be an alert when you can't see the signs, like we've talked about, like somebody like choking, you can see actual signs. They are choking. They need help. But when someone feels unsafe on a date or at a meeting or, you know, or walking down the street, you can't tell oftentimes that they feel unsafe. And this is a very discreet way, a very discreet tech that allows them to say, I'm not safe, and other people to be able to be witnesses or support in that, in that, yeah, so I think it's really cool.Brad Crowell 21:26  Yeah, definitely, you know, like a lot, like a lot going on there, you know, I think I have something else I wanted to talk about, but just the fact, first off, how the hell is it possible that they build a relationship with the emergency services, where pressing a button on a lipstick container would get the fire department to her house faster than calling nine fucking one one, like, what? How did they? How did they do that? I didn't even know that I didn't even know how that's possible. Lesley Logan 21:52  (inaudible) want to know. But obviously, like that might be like, you know, confidential information is I want people to know, not because, like, you know, like, maybe they're not allowed to say, maybe it's an NDA. But no, we called 911, and got put on hold.Brad Crowell 22:05  What? But it also makes you realize that there are, like, clearly, there are systems that can be tapped into, and they were able to figure that out. I didn't even know that that was a thing. Like, I would have imagined.Lesley Logan 22:19  It makes me think of what's the Italian Job where Seth Green's character is like, tapping into, like the yeah napster is like tapping into like the red lights up. That's a red light. That's a green light. Like, clearly, there's.Brad Crowell 22:32  Sorry, I won't start until you address me as Napster.Lesley Logan 22:34  Yeah, yeah, yeah. There's clearly, like, something. But I also just want to say, like, if you haven't yet listened to the episode, you want to listen to it so you could understand what the product is, and you can also see it on our YouTube channel. It's quite cool, and I think, an excellent gift for every woman in your life, even if they're married, it's you, you, because she talks about using it for like a kid she saw on the street. Brad Crowell 22:55  So yeah, she said, yeah. She and and her husband saw a kid with no shoes in Vegas, which walking down a sidewalk or whatever, and she's like, there's something wrong here clearly, you know, so, but, but, yeah, I mean, it's, anyway, the tech part is fascinating and really, really fancy. And then, of course, they have, it's lipstick, so presumably they will have different colors at some point. Lesley Logan 23:19  Yeah, there's a whole thing. It's, I mean, she's done a great job. Brad Crowell 23:22  And then, but anyway, you know, she was talking about blame culture, oh yeah. And she was talking about how there's a crazy number of people who've experienced drink spiking where, you know, I was looking up a bunch of stats, and, like, like, at very least 10% of women have reported it saying, like, I either have my drink spiked, or I saw someone spike someone else's drink. Lesley Logan 23:44  It's also, I think the number is so high because, like (inaudible). Brad Crowell 23:50  Well, that's, that's only, that's only, like people who have actually reported it, you know. And then there's, there's polling that has happened where you know it's, it's not, that's not necessarily reported to, like, it's a poll. Lesley Logan 24:00  Well, can you imagine if nothing, or you don't know if anything happened to you? Like, I have just in all the podcasts I listen to, like, people have called the cops and the cops are like. Brad Crowell 24:10  Don't do shit. Lesley Logan 24:11  Don't do fucking shit. And don't I'm not, like, I'm not against police, guys. What I am against is this culture of, like, not believing women, and it goes to this blame stuff. Like, what were you wearing? What were you doing? You know, like, if you're.Brad Crowell 24:23  Or it's like, did they, did they threaten you? You know, like, I guess maybe I don't know what the actually, this is interesting. If you, if you know, what do you need to say to get them to pay attention? That would be something that'd be worth finding. I don't know the answer to that. I mean, just, there's a there's a.Brad Crowell 24:43  Well, because here's like, I, my personal experience was I had somebody threaten me when I was living in L.A. right, and I was afraid, and I didn't know what to do, so I called the police, and it wasn't an emergency. He wasn't like, he wasn't at my door. But I called them, and I said, hey, I I don't know what to do here, but, like, this guy's threatened me, and he's he might be on his way over right now. I don't. know what to do. And they were like, did he threaten to kill you? And I was like, he didn't say, I'm going to kill you. And they were like, we're not going to do anything. And I was like, what? Like, he's, he's making me feel like I'm in trouble.Lesley Logan 25:11  Well, I just listened to, it was just, I was listening to, like, a Dateline or something like that. And they brought up the story about this woman, Denise, who was kidnapped from her home, and then, like, taken away for several days, and then, and then told not to tell anyone. And they called her the American Gone Girl, like the real life Gone Girl. They didn't believe her boyfriend. They said he must have done it. He must, must have done it. They didn't believe her. They tried to charge her with a crime. They just said that they, like, wasted the police time. Then come to find out, two other victims called separate police departments to claim the same thing, and those police departments didn't believe them. Why would anyone do that? Like, didn't believe them. So I am with you. Like, we don't we need to know. What do cops need to hear so they actually believe what you're saying. But also, like, I think it just goes.Brad Crowell 25:53  Like, it's a common experience among survivors is that they're like, I wasn't believed, right, and, and, like, the the number of people who, in polling have to have have said, hey, yes, I've experienced drink spiking, is like, could be, like, super high. It could be as high as one in two women. Right? And anyway, like when you put it all together, there's clearly a problem. It's fucked up, that there's a problem, but there is a problem, right? And then when women aren't believed, you know, and it doesn't actually just have to be women having their drink spiked. Anybody can have their drink spiked. Lesley Logan 26:28  I listen to the podcast Bad Dates, many men get their drinks spiked. Brad Crowell 26:31  Yeah, when, when if it's reported and it's not believed, what does that teach the person who reported it? Yeah, that they're they're not going to try to even report it next time. What's the point is what they're going to say. Lesley Logan 26:43  And that's what puts you people in not so great situations, where by the time something does happen, it's a little too late to get help. But I think, like, what, you know, she talked a little bit like changing, changing the shift of of shame from the survivor, from the survivor to the perpetrator, and making that the focus. And I think when you use a product like they have, or you educate women in an or man in this way of like, what? What does it mean to like it's not your fault. It really is is more empowering because now you, especially like, so many people are have fear about like, well, what goes what if something goes wrong on the date? What happens if something goes wrong in the interview? What if something goes wrong at the house showing like, we can take some of the fear away and put some control back in the hands of the person who might be might become a victim of something, and we can hopefully stop that or mitigate that.Brad Crowell 27:32  Yeah, and obviously, you know, Joy and her company are very aware of all of the stigma, so they've been intentional about their names of their products. Like, one of them is called We Believe You, It's Not The Dress, you know, like, like, stuff like that, which speak directly to the problem, the real problem, which is the blame game.Lesley Logan 27:54  Yeah, yeah. I just think it's like, you know, unfortunately, we're recording this, like, right after, like, some of the Diddy trials and Weinstein's retrial, and, like, it starts to make you think that, like, the Me Too movement, kind of, like, didn't, didn't have the effect that we thought it would have, and women aren't being believed as much or, or the blame is on them for putting themselves in the situations. And I think, like, if we can all think about it differently, we can actually start to spot things and support people, instead of going, well, how did that happen to them? Like with a judgment, it can, things can happen to anybody at any time in this world. And since we can't actually stop these perpetrators because we don't know who they are, what we can all do is band together and be part of a support system, of of being there for people, whether we know them or not, and just being a safety for them, and also not assuming it's what they wore or what they did at a certain time, or why would you be on that street, like all that stuff is unhelpful and.Brad Crowell 28:54  Doesn't solve the problem anyway. Lesley Logan 28:55  No, doesn't, doesn't. So, anyways, we can get our high horse on this forever. But I do love what Joy is doing, and I think this product is really cool. Brad Crowell 29:03  Yeah. And also, you know, driven by a clear problem that needs a solution. And, you know, it's just really, really clever. And you know, if you see, if you actually go look at the lipstick, it's pretty innocuous. You wouldn't act there's no like, press here, like Acme button kind of a thing. It's, it's quick, easy and then what, what I thought was also cool is you can set it so that, if I think there's settings, if you click it once, you can alert one person. If you click it twice, you can alert a different person.Lesley Logan 29:34  Yeah, you can set up the different things in the app for what you do. And one of our neighbors, you know, her daughter was going off to EDC. Daughter's 19 years old, going to EDC, and of course, the mom wants her daughter to go to EDC, like you should experience festivals when you're 19. She had this product, and she had a Narcan, a Narcan thing so she could be there in case someone needed it, right, like Narcan for somebody who's overdosing, but she had this product to make sure that her own stuff was safe. And that she could be safe so she could enjoy herself and be at EDC. You know, I love, for a 19 year to live in a place where she could just go to a festival and be fine. We don't live in that world. So I love that she was empowered to have a good time and also take care of herself and her friends. Brad Crowell 30:19  That's really cool. That's cool. All right. Well, stick around. We'll be right back, because Joy gave us a couple of really amazing Be It Action Items. We're going to dig into those. Brad Crowell 30:19  All right, welcome back. So finally, let's talk about those Be It Action Items. What bold, executable, intrinsic or targeted action items can we take away from your convo with Joy Hoover? She said, hold space for yourself. This came from her conversation around the collective trauma that she and her husband and, you know, daughter experience when her daughter was only eight, but with her in laws, right? And she said, immediately after it happened, they started to get therapy as a as a couple, and they've maintained, you know, therapy since, and that was 2013, so it's been a while, right? And she said, prioritizing your healing, it puts you in a position to help others without inadvertently hurting them, right? Like she said, she's and the call out here was, you have to heal yourself first. You can't heal the heal the world if you're not healing yourself first, right? And she said something very intention. She said it was it's not about your intention, right? It's about your impact. And you could have the intention of helping people, but actually be hurting them. So you need to heal yourself first before you're going on to support others in that kind of a way. She said, also, it's not selfish. It's she said, it is selfish to not heal yourself first. It's not selfish to take care of yourself. It's selfish if you don't take care of yourself. Lesley Logan 31:53  I mean now I love this. Brad Crowell 31:55  Yeah, and this is, like, obviously, right up our alley, you know? And.Lesley Logan 32:00  Do you know what I read the other day in it, in my own My Morning reads, And I am like, now preaching it, because I always say, like, self-care isn't selfish care, right? So self-care is actually an act of self-love. And if you do not love yourself, you actually cannot love other people. Can't. You can feel like you're loving on them and supporting them and liking them, but like, you actually can't truly love others because you don't love yourself. And the hatred and vitriol we're seeing in this world today, online, and in other places, is just because a bunch of people don't love themselves. And we're like, the world needs love. Gotta love yourself first. Cannot just like, go out you can't just spread yourself thin. And I think that that act of therapy, an act of self-love, it's an act of self-care. It's very important. It's not selfish. You're right. Brad Crowell 32:45  Yeah. What about you? Lesley Logan 32:44  Okay, so she said she encouraged us all to join the Swipe Red movement. The core slogan of the movement is, "No more shame, no more doubt. We see red flags, we call them out." And so you can contribute to the community awareness if you just go to Esōes Cosmetics, and that's at esoescosmetics.com and it provides platforms for community engagement. You can submit experiences you had so others can recognize and respond to similar threats. I think that's really important, because sometimes you have not experienced a red flag, but if you hear about other people's, you go, oh, and then you can see the signs. Brad Crowell 33:10  You know, it's funny, because it, I get a weekly email forwarded from my mom who gets notifications from her company about cybersecurity threats, right? And what people have done to trick other people into giving away information that eventually could hurt them, right? And so it's the same idea here. You know this, the community platform that they've put together is a way to just become more educated and be aware. So I love that. Lesley Logan 33:53  And also, in that community, you can ask for guidance on your own red flags. You can submit a question to inquire the situation the minor ick or a significant red flag. Here's the thing, I love this because, you know, 12 years ago, my therapist was like, Yeah, miss, you ignored the red flags in your relationship. So you need to go back into your memory box about those first dates and what flags did you ignore that were red so that you can spot them as you date. And then you have to practice like, how red is this flag? Is this an orange flag? Is it a yellow flag? What kind of flag is this? And I love this because you don't have to do it by yourself. You could do with other people. You could help you can use other people's red flags to help you. So I think it's really cool. I think it's cool. And what a unique Be It Action Item. So, I'm in. Really cool. I hope everyone goes and checks this out again. Like it can be a great gift for a woman in your life or a person in your life, but also, just like to be aware of what's going on. It's so easy for us to think it won't happen to us, and this stuff, you know, like, some people, I've heard people go, oh, I'm too old for that. Like it won't happen to me. And like, I worry the fuck out of like, my mom and women her age who are dating. I'm like, like, no, there are things that can happen to you. I remember my 80 year old clients, like, I can't get pregnant. I'm like, yeah, but you can get crabs, babe. Like, what? You can't just feel like life's good now I don't have anything to worry about. No, bad things happen to good people. You have to be aware. So, thanks, Joy for what you're doing. I'm Lesley Logan. Brad Crowell 35:16  And I'm Brad Crowell. Lesley Logan 35:17  How are you going to use these tips in your life? Please let us know. Let Joy Hoover at Esōes Cosmetics know, let the Be It Pod know. Share this with a friend who needs to hear it. I think it's a great episode to share with a friend. Yes, there's some information that could be hard to listen to, but I think it's really important. And until next time, Be It Till You See It. Brad Crowell 35:35  Bye for now. Lesley Logan 35:35  That's all I got for this episode of the Be It Till You See It Podcast. One thing that would help both myself and future listeners is for you to rate the show and leave a review and follow or subscribe for free wherever you listen to your podcast. Also, make sure to introduce yourself over at the Be It Pod on Instagram. I would love to know more about you. Share this episode with whoever you think needs to hear it. Help us and others Be It Till You See It. Have an awesome day. Be It Till You See It is a production of The Bloom Podcast Network. If you want to leave us a message or a question that we might read on another episode, you can text us at +1-310-905-5534 or send a DM on Instagram @BeItPod.Brad Crowell 36:19  It's written, filmed, and recorded by your host, Lesley Logan, and me, Brad Crowell.Lesley Logan 36:24  It is transcribed, produced and edited by the epic team at Disenyo.co.Brad Crowell 36:29  Our theme music is by Ali at Apex Production Music and our branding by designer and artist, Gianfranco Cioffi.Lesley Logan 36:36  Special thanks to Melissa Solomon for creating our visuals.Brad Crowell 36:39  Also to Angelina Herico for adding all of our content to our website. And finally to Meridith Root for keeping us all on point and on time.Support this podcast at — https://redcircle.com/be-it-till-you-see-it/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

In the News--Will Social Security run out in 8 years? Hamilton the musical is turning 10Tales from the Crib--Hot air balloon adventures.Last Word--Waffle House incidentSupport the showBEST PODCAST in Phoenix Magazine's 2020 & 2022 Best of the Valley Readers' Poll

Gov.  Gavin Newsom (D-CA) announces his state will redraw Congressional district lines with the express purpose of Democrats gaining five U.S. House seats to offset what is happening in Texas where republicans are trying to pass a new map to net five seats for their party.  Gov. Newsom calls it "liberation day for California"; President Donald Trump claims that the official crime data for Washington, DC is fake, and that crime in the nation's capital is the “worst it's ever been”,  as his deployment of federal law enforcement and National Guard troops is ramping up; President Trump signs a proclamation on this 90th anniversary of the creation of Social Security, saying his administration is protecting and strengthening those programs. Democrats say that is not true; Wholesale inflation comes in unexpectedly hot in July; President Trump and Russian President Vladimir Putin on their meeting tomorrow in Anchorage, Alaska on the war in Ukraine; Israel announces a major expansion of settlements in the West Bank; Hunter Biden says he will not apologize for saying the late sex offender Jeffrey Epstein introduced First Lady Melania Trump to President Trump, after Melania Trump threatens to sue for $1 billion in damages. Learn more about your ad choices. Visit megaphone.fm/adchoices

Social Security will be insolvent in seven years, and will face deep across-the-board cuts if no action is taken. Ben Ritz joins the program to discuss the new plan from the Center for Funding America's Future to save Social Security - how we can reduce benefits in a targeted way that doesn't cause much pain, how we can increase revenues in a smart way, and how we can transform the Social Security system to be sustainable for the future. Check out Ben's report here - https://www.progressivepolicy.org/reform-that-rewards-work-2025/ To get bonus episodes, support us at patreon.com/newliberalpodcast or https://cnliberalism.org/become-a-member Got questions? Send us a note at mailbag@cnliberalism.org. Follow us at: https://twitter.com/CNLiberalism https://cnliberalism.org/   Join a local chapter at https://cnliberalism.org/become-a-member/

This week's show is sponsored in part by EPIC-MRA Public Opinion Research MIRS News

Buckle up, patriots—@intheMatrixxx and @shadygrooove are ripping through the swamp's lies on *The MG Show* with Season 7, Episode 154, “District in Distress; Hillary Clinton, Obama, Mueller, Uranium One, Clinton Foundation All Connected,” airing live today, August 14, 2025, at 12:05 PM Eastern! The truth-seeking dynamos dive into flawed crime statistics exposing the District in Distress, with Jeff and Shannon reacting live to Hannity's takedown of Democrats defending rising crime. They spotlight President Trump's powerful statement on crime in EDC, unpack Senator Johnson's latest Uranium One revelations that unlock critical connections, and analyze fresh Uranium One posts shedding new light on the scandal. The hosts replay and dissect the “Our Movement” video, offering an overview of its D5 NCSWIC significance—bigger than you can imagine—tying it to the broader Uranium One conversation involving Hillary Clinton, Barack Obama, Robert Mueller, and the Clinton Foundation. Plus, they break down Trump's bold announcement of a Social Security overhaul with no taxes on benefits. The truth is learned, never told—arm yourself with the Constitution as your weapon and tune in at noon-0-five Eastern LIVE to stand with Trump at mg.show! Trump, Uranium One, Hillary Clinton, Barack Obama, Robert Mueller, Clinton Foundation, crime statistics, Social Security, Senator Johnson, MG Show, @intheMatrixxx, @shadygrooove, America First, political corruption, D5 NCSWIC mgshow_s7e154_district_in_distress_clinton_uranium_one Tune in weekdays at 12pm ET / 9am PST, hosted by @InTheMatrixxx and @Shadygrooove. Catch up on-demand on https://rumble.com/mgshow or via your favorite podcast platform. Where to Watch & Listen Live on https://rumble.com/mgshow https://mgshow.link/redstate X: https://x.com/inthematrixxx Backup: https://kick.com/mgshow PODCASTS: Available on PodBean, Apple, Pandora, and Amazon Music. Search for "MG Show" to listen. Engage with Us Join the conversation on https://t.me/mgshowchannel and participate in live voice chats at https://t.me/MGShow. Social & Support Follow us on X: @intheMatrixxx https://x.com/inthematrixxx @ShadyGrooove https://x.com/shadygrooove Support the show: Fundraiser: https://givesendgo.com/helpmgshow Donate: https://mg.show/support Merch: https://merch.mg.show MyPillow Special: Use code MGSHOW at https://mypillow.com/mgshow for savings! Wanna send crypto? Bitcoin: bc1qtl2mftxzv8cxnzenmpav6t72a95yudtkq9dsuf Ethereum: 0xA11f0d2A68193cC57FAF9787F6Db1d3c98cf0b4D ADA: addr1q9z3urhje7jp2g85m3d4avfegrxapdhp726qpcf7czekeuayrlwx4lrzcfxzvupnlqqjjfl0rw08z0fmgzdk7z4zzgnqujqzsf XLM: GAWJ55N3QFYPFA2IC6HBEQ3OTGJGDG6OMY6RHP4ZIDFJLQPEUS5RAMO7 LTC: ltc1qapwe55ljayyav8hgg2f9dx2y0dxy73u0tya0pu All Links Find everything on https://linktr.ee/mgshow

Jeff Muhlenkamp, portfolio manager for the Muhlenkamp Fund, says in today's Money Life Market Call that one of his big fears right now is in order to deal with government debt, authorities will de-value the dollar, so he has been adding gold and precious metals names to the portfolio to hedge against that potential. He is also looking at deregulation as a possible driver for future as well, and while he is a value-oriented manager, he noted that there are plenty of ideas that look promising despite a market that is at record highs. David Lau, chief executive officer at DPL Financial, discusses how lifetime income and annuitizing retirement savings has become particularly important now, given uncertainty over the future of Social Security. He notes that investors who are considering annuities may want to be making the purchase before interest rates start to fall, but he also notes that annuity products that promise downside protection against stock market risk are likely to fall into the category of "too good to be true." Plus, in the ETF of the Week, Todd Rosenbluth, head of research at VettaFi, goes for an actively managed international small-cap fund with his ETF of the Week.

Today's edition of Labor 131, presented by the National Labor Office of Blue Cross and Blue Shield Association, featured Martin O'Malley, former Maryland governor and Social Security Commissioner, who joined the America's Work Force Union Podcast to discuss the 90th anniversary of Social Security, current threats to the program and potential solutions to ensure its long-term viability.   Ian Fritz, Business Agent for IATSE Local 415 in Tucson, Ariz., joined the America's Work Force Union Podcast to discuss recent organizing victories at the Loft Cinema and Arizona Theatre Company.

The July Consumer Price Index report is out, and the numbers are better than expected. Are Texas Democrats about to return to the Lone Star State? Support for Democrats has been falling for decades. The federal government is already cleaning up Washington, D.C. And they're singing in the streets again. U.S. Rep. Delia Ramirez (D-Ill.) thinks she's a victim of America. Rep. Sarah McBride (D-Del.) makes organic video, and it's so good. Department of Justice looking into New York Attorney General Letitia James and Senator Adam Schiff (D-Calif.). Meet a new NFL cheerleader. Hilary Kennedy joins us to discuss the new UFC/Paramount+ deal! Homeless treehouse in Los Angeles. Train derailment and toxic cloud outside Dallas. Social Security changes … sort of. 00:00 Pat Gray UNLEASHED! 02:18 CNN Talks July CPI Report 03:31 July CPI Report is Here 09:07 Democrats Aren't Popular 15:48 DEI DC Police Chief Doesn't Know the Chain of Command 16:32 Pam Bondi Meets with Bowser 19:10 Joe Scarborough Describes Life in Washington DC 21:56 DC Residents Speak Out 22:27 Singing Democrats Take to the Streets 25:24 School is Back in Session 31:39 Chewing the Fat 52:18 Delia Ramirez Explains what it Means to Be an American 55:42 Sarah (Tim) McBride Goes to Wawa 59:13 DOJ Investigating Letitia James & Adam Schiff 1:05:50 New Male Cheerleader for the Minnesota Vikings 1:12:07 Hilary Kennedy's UFC Update 1:25:54 Homeless Treehouse in LA 1:28:30 Rick Santelli on the US Economy 1:30:32 Train Derailment in Gordon, Texas 1:32:40 Social Security Reform? Learn more about your ad choices. Visit megaphone.fm/adchoices

Social Security turns 90 tomorrow. Some 74 million Americans receive the benefits, and a new survey shows that 65% of retirees rely on them. Roughly 40% of Americans have no retirement savings at all, and this precarity comes at a time when Social Security faces the possibility of benefit cuts. Plus, Trump's tariffs are generating billions in revenue monthly, and Brazil's president announced $5 billion to help smaller companies deal with tariffs.

Social Security turns 90 tomorrow. Some 74 million Americans receive the benefits, and a new survey shows that 65% of retirees rely on them. Roughly 40% of Americans have no retirement savings at all, and this precarity comes at a time when Social Security faces the possibility of benefit cuts. Plus, Trump's tariffs are generating billions in revenue monthly, and Brazil's president announced $5 billion to help smaller companies deal with tariffs.

Trump's pick to lead the Bureau of Labor Statistics faces a rocky Senate confirmation over his past comments on jobs data, Social Security, and more. Anna and Jake break down the political fight ahead. Plus: Senate Minority Leader Chuck Schumer improves his hand with recruitment wins for 2026.  Punchbowl News is on YouTube! Subscribe to our channel today to see all the new ways we're investing in video. Want more in-depth daily coverage from Congress? Subscribe to our free Punchbowl News AM newsletter at punchbowl.news. Learn more about your ad choices. Visit megaphone.fm/adchoices

Many student loan borrowers are falling behind again, and the impact is more than financial.A recent change in federal law has reshaped student loan repayment, and as collections ramp back up, millions are seeing their credit scores drop. If you're feeling the weight of repayment, you're not alone. Neile Simon joins us today with practical steps to help you regain control.Neile Simon is a Certified Credit Counselor with Christian Credit Counselors (CCC), an underwriter of Faith & Finance.Major Changes in Federal Student Loan RepaymentIn early July, sweeping legislation restructured federal student loan repayment options. Borrowers now face only two choices:Standard Repayment Plan: Lasting 10 to 25 yearsRepayment Assistance Plan (RAP): A 30-year plan with payments based on 1% to 10% of the borrower's income, with a minimum of $10 per monthWhile RAP may seem like a helpful tool, the new law eliminated borrower-friendly plans such as the SAVE plan and many income-driven repayment options. For borrowers who are unemployed or experiencing hardship, this is a significant loss. The end of pandemic-era protections, including deferments, has left many unprepared and falling behind.Adding to the challenge, federal collections resumed on May 5, signaling a firm end to COVID-19 relief. The result? A wave of financial instability.The Credit Score CrisisThe fallout from these changes has been swift and painful. According to AP News, in the first quarter of this year alone:Over 2.2 million borrowers experienced a credit score drop of more than 100 points.Over 1 million borrowers experienced a decrease of more than 150 points.This sharp decline has made it difficult for individuals to secure new credit. Car loans, mortgages, and even rental approvals are now being denied. With limited disposable income, many are forced to choose between paying rent, student loans, or credit cards.More people are relying on credit cards just to cover essentials like groceries and gas. It's a cycle that only deepens their debt and financial stress.How Credit Counseling Can HelpWhile Christian Credit Counselors doesn't directly manage student loans, they play a vital role for those overwhelmed by mounting credit card balances. Neely explains how nonprofit credit counseling agencies bring clarity and relief:One-on-One Counseling: Certified counselors review your debt, income, and budgetDebt Management Plan (DMP): Unsecured debts are consolidated into a single monthly paymentCreditor Negotiation: Lowered interest rates (often between 1% and 12%), reduced monthly payments, and elimination of late feesCommitment to Repayment: This is not a loan, bankruptcy, or debt settlement. You repay your full debt—just through a simplified plan.It's a way to honor your commitments while regaining control. And once enrolled, your interest rates remain fixed throughout the program.If you're feeling weighed down by debt, don't wait. Take an honest look at your budget, explore your options, and don't hesitate to reach out for help. You may feel stuck, but there are real solutions—and people who care.Christian Credit Counselors is here to walk with you, offering biblical guidance and practical solutions to help you achieve debt freedom. Visit ChristianCreditCounselors.org to connect with a certified credit counselor today.On Today's Program, Rob Answers Listener Questions:I've paid off my credit cards and car—praise God! Now I'm wondering how to balance my emergency fund and regular savings. How much should I aim for in each?I'm reinvesting the interest from a CD. Since I'm not withdrawing the money, do I still need to tithe on the interest?My wife is turning 65 but hasn't earned enough credits for Social Security on her own. Can she start receiving spousal benefits now—and how will that affect her survivor benefits down the road?I'm debt-free and contributing 15% to my 401(k), but I only have two months of emergency savings. Should I pause my retirement contributions to build up my emergency fund?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Christian Credit CounselorsWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

EPISODE 8: The Stages of Grief: Denial Dying Laughing with Jessimae Peluso We're kicking off the first stage of grief...Denial. You know… that magical headspace where you tell yourself everything's fine, even when your 15-year-old dog is basically applying for Social Security. In this episode of Dying Laughing, I share how denial has shown up in my life (spoiler: a lot), why dogs are little time capsules, and I read submissions about the funniest, most relatable, and most painfully human ways people and their families have lived in denial. From pretending a breakup was “just a break” to ignoring that Grandma's wig was on backwards at the funeral this one's honest, hilarious, and maybe a little too real.

Thinking about retiring early and worried it might hurt your Social Security benefits? Good news: it probably won't.A common myth is that you have to work into your 60s to get the most out of Social Security. In reality, benefits are based on your 35 highest-earning years—not the age you stop working.This episode breaks down how benefits are calculated, what “bend points” are, and why even part-time income in semi-retirement can make a difference.There's also an important distinction between when you stop working and when you start claiming. Monthly benefits can range from around $1,400 at age 62 to $2,400 at age 70, depending on the timing.Curious what your own numbers look like? Head to ssa.gov to create a free account and check your personalized estimate. It's a simple step that can help you make smarter retirement decisions._ Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Strategy ⬇️ Get Started Here.Join the new Root Collective HERE!

"Rubble and Skye" in Minnesota want to spend $65,000 a year in retirement, and they'll have $67K in annual fixed income. Are they cutting it too close? "Atouk and Tala" in New Jersey will have retirement money, Social Security, and “Lumpy,” their lump sum pension - will they be okay? We'll find out today on Your Money, Your Wealth® podcast number 542 with Joe Anderson, CFP® and Big Al Clopine, CPA. Plus, should David in Redondo Beach California use his Roth money to buy a home? And what do the fellas think about "Charlie Pepper" in Colorado using a home equity line of credit (HELOC) for retirement spending, instead of living off of pre-tax money? Free financial resources & episode transcript: https://bit.ly/ymyw-542 DOWNLOAD the Investing Basics Guide WATCH Financial Boot Camp on YMYW TV COMPLETE the 8th Annual YMYW Podcast Survey for your chance at a $100 Amazon e-gift card! (secret password: ymyw) ASK Joe & Big Al for your Retirement Spitball Analysis SCHEDULE your Free Financial Assessment LEAVE YOUR HONEST RATINGS AND REVIEWS on Apple Podcasts SUBSCRIBE or FOLLOW on your favorite podcast app JOIN THE CONVERSATION on YouTube DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter Timestamps: 00:00 - Intro: This Week on the YMYW Podcast 00:43 - $250K Saved, $67K Fixed Income, $65K Spending. Are We Cutting Retirement Too Close? (Rubble & Sky, MN) 05:20 - We Have a $700K Pension, $335K Retirement, Plus Social Security. Will We Be OK? (Atouk and Tala, NJ) 13:14 - Watch Financial Boot Camp on YMYW TV, Download the Investing Basics Guide 14:03 - Should I Use My Roth Money for a Home Purchase? (David, Redondo Beach, CA) 21:03 - Complete the 8th Annual YMYW Podcast Survey for your chance at a $100 Amazon e-gift card! (secret password: ymyw) 22:01 - HELOC vs. Pre-Tax Account for Retirement Spending (Charlie Pepper, CO) 34:23 - Next Week on YMYW Podcast: Guest Co-Host Marc Horner, CFP® 34:53 - YMYW Podcast Outro

Today's show exposes how Barron's ran an undisclosed advertorial from a high-fee bond fund manager pushing junk-heavy, risky products while trashing traditional bonds with misleading comparisons. Don and Tom explained why safe bonds should stay short-to-intermediate term and simple, called out a Starlink “$127 for life” internet scam, and fielded listener questions on tax-adjusted rebalancing between traditional and Roth IRAs, trimming long-held Microsoft vs. American Funds, Social Security timing myths, and why Bitcoin isn't an investment. An email question on replacing BND rounded out the episode with a reminder that its structure still works for most investors. 0:04 Opening; Barron's undisclosed advertorial problem and high-fee, junk-heavy bond funds 5:06 Scam watch — Starlink $127-for-life ad and why nobody will protect you but you 9:41 Caller Rob: Tax-adjusted IRA rebalancing, simple three-fund global strategy with overlap 16:11 Caller Bob: Which to trim first — Microsoft vs. American Funds ICA 21:41 Caller Tony: Social Security timing and why trust fund worries aren't a reason to claim early 26:27 Caller Bruce: Bitcoin as speculation, not an investment, and the altcoin glut 35:13 Email: Swapping BND for short/intermediate bonds — why BND's structure still works Learn more about your ad choices. Visit megaphone.fm/adchoices