Podcasts about social security

On this week's Money Matters, Scott and Pat take a call from a listener sitting on a $9 million nest egg—$4.5 million in a taxable account, $3 million in Roth, and $1.6 million in a traditional IRA. He doesn't need more growth, he's not worried about his own retirement, and now he's asking: Should we start helping the kids financially now, or wait? The twist? His kids don't want the money—and he doesn't want to mess up their independence. It's a real-world conversation about smart gifting, capital gains strategy, and how to share your wealth without regret. Then, a 62-year-old federal employee calls in with over $1 million in her federal retirement account, a pension on the way, and rental income—but she's also stuck with a 7% mortgage on one of her properties. Scott and Pat explore whether she should draw from her savings, start Social Security, or consider a charitable remainder trust to maximize income and minimize taxes. Join Money Matters:  Get your most pressing financial questions answered by Allworth's co-founders Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking here.  You can also be on the air by emailing Scott and Pat at questions@moneymatters.com. Download and rate our podcast here.

Jim and Chris discuss listener questions on Social Security claiming timing with a listener PSA on application details, Social Security earnings rules at FRA, estate planning organization systems, and restrictions for annuity payments. (15:30) Georgette shares a PSA about the Social Security application process and asks whether applying for benefits to start the month she […] The post Social Security,Estate Planning PSA, Annuity Payments: Q&A #2546 appeared first on The Retirement and IRA Show.

How big is the divide between different age groups? In this inaugural episode of a new Open to Debate series, “Generational Divides,” Reason's editor-at-large Nick Gillespie brings together a Baby Boomer, a Gen X-er, and a Gen Z-er to discuss Social Security benefits and how they'll affect future generations, homeownership, and 1950s nostalgia, where they examine the cultural and economic shifts occurring around intergenerational wealth and how each generation views money, opportunity, and the American Dream.  Our Guests:  For Baby Boomers: Joe Nocera, Deputy Managing Editor at The Free Press  For Gen X: Stacey Vanek Smith, Journalist and Reporter; Co-host of "Everybody's Business" at Bloomberg Business   For Gen Z: Kyla Scanlon, Financial Content Creator, Economic Commentator and Author of "In This Economy?"  Nick Gillespie, Editor-at-Large at Reason, is the guest moderator.    Visit our Substack to watch more insightful debates and subscribe to our newsletter.   Learn more about your ad choices. Visit podcastchoices.com/adchoices

It's one of the most valuable things we have—and one of the easiest to waste. We've all heard the saying, “Time is money.” But if that's true, why do we spend it so carelessly? The truth is, time is worth far more than dollars and cents—it's the most limited resource God has given us. Learning to steward it well isn't just good productivity advice—it's an act of worship.If you've ever said, “I just need a little more time,” you're not alone. Many of us feel the pressure of time slipping through our fingers. Ironically, we often spend our days chasing money, status, or success—only to run out of the very thing we were trying to “buy back.”We treat time like a renewable resource when it's really more like a savings account that's constantly being drawn down. Every hour that passes is one you'll never get back. Yet our culture tempts us to equate our worth with how much we earn or produce.A Biblical View of TimeScripture offers a radically different view. In Psalm 90:12, Moses prays, “Teach us to number our days that we may get a heart of wisdom.” He's not talking about counting hours on a clock but realizing that our time is limited—and therefore deeply valuable.From a biblical perspective, time isn't ours to manage however we wish. It's a gift from God, entrusted to us for His purposes. Just as money and talents belong to Him, so does our time.In Ephesians 5:15–16, Paul writes, “Look carefully then how you walk, not as unwise but as wise, making the best use of the time, because the days are evil.” The original Greek phrase for “making the best use” literally means “redeeming the time”—buying it back for God's glory. It's the same word Paul uses elsewhere to describe what Jesus did for us on the cross.Christ redeemed us from sin and emptiness, giving our lives eternal meaning. In the same way, we're called to redeem our time—to invest every moment, conversation, and decision in what will last forever.Here's the catch: if you don't decide what your time is worth, someone else will. Your job, your phone, your inbox, even social media—all have plans for your time. Unless you set boundaries, your days will fill up with things that seem urgent but aren't truly important.Jesus modeled something completely different. Even with the most important mission in history, He took time to rest, pray, eat with friends, and be fully present with people. He had the margin to be interrupted—to stop for the sick, listen to the hurting, and teach those who were searching. He never rushed, yet He always fulfilled the Father's will.How to Steward Your Time WellSo how can we live as if our time truly belongs to God?1. Reevaluate Your PrioritiesEvery decision is a trade. When you say yes to one thing, you say no to something else. Ask yourself, “What matters most in God's eyes—and am I giving that my best time?”2. Measure Time by Meaning, Not MoneyOur culture values time by dollars per hour, but God's economy works differently. A quiet afternoon encouraging a friend may not pay in cash—but it yields eternal dividends. As Jesus said, “Seek first the kingdom of God and His righteousness, and all these things will be added to you.”3. Build Margin into Your LifeJust as financial margin creates freedom to give, time margin allows you to live generously. When you're not overscheduled, you can pause to listen, serve, or rest. Sabbath isn't wasted time—it's holy time that reminds us that God is in control.4. Steward Small MomentsEternal impact isn't found only in big events. It's in the five minutes you pray for someone, the ten minutes you spend in Scripture, or the conversation that points someone to Jesus. As Colossians 3:17 reminds us, “Whatever you do, in word or deed, do everything in the name of the Lord Jesus.”Making Your Hours Count for EternityWhen you see your time through an eternal lens, every moment takes on new meaning. You stop chasing the clock and start cherishing what truly matters. Missionary C.T. Studd once wrote, “Only one life, 'twill soon be past; only what's done for Christ will last.”So what's your time really worth? It's worth exactly what you invest in eternity.Don't just count your hours—make your hours count. Live intentionally. Rest purposefully. Serve generously. And let every day remind you of the One who holds all time in His hands.On Today's Program, Rob Answers Listener Questions:I have two kids—a 14-year-old and a newborn—and just opened brokerage accounts for them. What are the best investment options, especially for my newborn with a longer time horizon? I'd like something more flexible than a college savings plan.I retired at 59 and receive Social Security disability. My home is paid off, I have no debt, and I have savings in retirement and trading accounts. I'm thinking about buying a new car with cash to avoid debt, but would it be wiser to finance or lease instead?I recently bought an RV with dealership financing at 7.9% for 20 years, though I don't plan to keep it that long. Does simple interest work the same across all banks, and is there a good calculator for figuring out principal payments on early payoff? Also, where could I refinance to get a lower rate?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Calculator.net | Credit Karma (Simple Loan Calculator) | Calculator SoupList of Faith-Based Investment FundsWisdom 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)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Episode 25 of The Basic Income Show!patreon.com/scottsantensChapters:00:00 South Korea's huge rural basic income pilot experiment14:05 The Guaranteed Income Pilot Program Act26:30 Miracle Money Experiment Results46:56 Zack Polanski asks Richard Murphy about UBI1:10:21 Baltimore Young Families Success Fund results1:21:07 Hamburg, Germany votes against a UBI pilot1:24:20 TEDEd video about GiveDirectly's cash giving1:38:04 Customers are the real job creators1:41:09 How much wealth is too much wealth?In this episode of The Basic Income Show, Scott Santens, Josh Worth, and Conrad Shaw break down one of the biggest basic income stories in the world right now: South Korea's massive rural basic income pilot covering more than 200,000 people. They dig into how the “local love” voucher design works, why it targets rural counties instead of cities, and how funding it from solar and wind profits creates a clean-energy dividend model that looks a lot like a permanent UBI fund. From there, they turn to the newly reintroduced U.S. “Guaranteed Income Pilot Program Act of 2025,” led by Rep. Bonnie Watson Coleman, and explain why tying payments to the local cost of a two-bedroom apartment risks becoming a landlord subsidy rather than a scalable universal basic income. The conversation hits core design questions: per-person vs per-household payments, including or excluding seniors on Social Security, and why calibrating UBI to cost of living can undermine competition between high-rent cities and cheaper regions. The hosts then unpack fresh randomized-control-trial evidence from Miracle Money California's $750/month cash transfers to people experiencing homelessness, alongside results from the Baltimore Young Family Success Fund, which gave young parents $1,000/month for two years.Show links:https://www.scottsantens.com/its-time-to-walk-the-walk-for-universal-basic-income-ubi/https://www.youtube.com/watch?v=_gTgloPR0Awhttps://www.guaranteedincomeworks.org/data-from-baltimore-mdSee my ongoing compilation of UBI evidence on Bluesky:https://bsky.app/profile/scottsantens.com/post/3lckzcleo7s24See my ongoing compilation of UBI evidence on X: https://x.com/scottsantens/status/1766213155967955332For more info about UBI, please refer to my UBI FAQ: http://scottsantens.com/basic-income-faqDonate to the Income To Support All Foundation to support UBI projects:https://www.itsafoundation.orgSubscribe to the ITSA Newsletter for monthly UBI news:https://itsanewsletter.beehiiv.com/subscribeVisit Basic Income Today for daily UBI news:https://basicincometoday.comSign up for the Comingle waitlist for voluntary UBI:https://www.comingle.usFollow Scott:https://linktr.ee/scottsantensFollow Conrad:https://www.linkedin.com/in/conradshaw/Follow Josh:https://www.linkedin.com/in/joshworth/Special thanks to: Gisele Huff, Haroon Mokhtarzada, Steven Grimm, Bob Weishaar, Dorothy Krahn, Judith Bliss, Lowell Aronoff, Jessica Chew, Katie Moussouris, David Ruark,Tricia Garrett, A.W.R., Daryl Smith, Larry Cohen, John Steinberger, Philip Rosedale, Liya Brook, Frederick Weber, Dylan Hirsch-Shell, Tom Cooper, Robert Collins, Joanna Zarach, Mgmguy, Albert Wenger, Andrew Yang, Peter T Knight, Michael Finney, David Ihnen, Steve Roth, Miki Phagan, Walter Schaerer, Elizabeth Corker, Albert Daniel Brockman, Natalie Foster, Joe Ballou, Arjun ,' @Justin_Dart , Felix Ling, S, Jocelyn Hockings, Mark Donovan, Jason Clark, Chuck Cordes, Mark Broadgate, Leslie Kausch, Braden Ferrin , Juro Antal, centuryfalcon64, Deanna McHugh, Stephen Castro-Starkey, Tommy Caruso, and all my other patrons for their support.If you'd like to see your name here in future video descriptions, you can do so by becoming a patron on Patreon at the UBI Producer level or above: https://www.patreon.com/scottsantens/membership

What happens when "we" suddenly becomes "me"? In this episode, Patti Brennan and Chief Planning Officer Eric Fuhrman sit down to discuss one of life's most difficult transitions — becoming suddenly single. Whether through loss or divorce, this chapter brings both emotional and practical challenges that can feel overwhelming. Patti and Eric talk about the "fog of trauma," the importance of giving yourself grace, and the steps to take now, soon, and later. From understanding hidden financial costs to navigating Social Security, grief, and identity shifts, this episode offers compassionate guidance for anyone facing life after partnership — and reassurance that you don't have to walk through it alone.

Lock and load, patriots—@InTheMatrixxx and @ShadyGrooove charge into Season 7, Episode 217: "The Democrat Shutdown Ended; J6 Pipe Bomber Narrative Busted." FBI insider Dan Bongino demolishes media fake news on the January 6 pipe bomber, labeling reports "grossly inaccurate" and confirming no real leads despite open-source intel. These truth warriors break down the radical left's 43-day economic sabotage that failed spectacularly, celebrating President Trump's bold bill cutting taxes on tips, Social Security, and overtime—while calling out Democrat demands for illegal alien handouts. Razor-sharp analysis on psyops hitting MAGA heroes: Kash Patel's FBI overhaul treating cartels as terrorists and tracking Antifa funds; Alexis Wilkins under fire; and shredding Candace Owens' baseless smears for views. Evidence over emotion—algorithms breed division, but the Constitution is our ultimate weapon. Stand with Trump and America First! Tune in weekdays at 12:05 PM ET / 9:05 AM PT. Catch on-demand via Podbean or major apps. Show Notes: Intro & Patriot Call to Arms Democrat Shutdown Debacle Exposed J6 Pipe Bomber Narrative Busted by Bongino Trump's Tax Cuts Victory Psyops on Kash Patel & FBI Reforms Alexis Wilkins & Candace Owens Breakdown Closing: Truth Learned, Not Told Where to Listen: Podbean: https://mgshow.podbean.com (or search "MG Show") Also distributed to Apple Podcasts, Spotify, Amazon Music, and more Engage: Telegram Chat: https://t.me/mgshowchannel Voice Chats: https://t.me/MGShow Follow on Social: X: @InTheMatrixxx | @ShadyGrooove YouTube: MG Show | ShadyGrooove Support MG Show: Fundraiser: https://givesendgo.com/helpmgshow Donate: https://mg.show/support Merch: https://merch.mg.show MyPillow Deal: Code MGSHOW at https://mypillow.com/mgshow Crypto Donations: Bitcoin: bc1qtl2mftxzv8cxnzenmpav6t72a95yudtkq9dsuf Ethereum: 0xA11f0d2A68193cC57FAF9787F6Db1d3c98cf0b4D ADA: addr1q9z3urhje7jp2g85m3d4avfegrxapdhp726qpcf7czekeuayrlwx4lrzcfxzvupnlqqjjfl0rw08z0fmgzdk7z4zzgnqujqzsf XLM: GAWJ55N3QFYPFA2IC6HBEQ3OTGJGDG6OMY6RHP4ZIDFJLQPEUS5RAMO7 LTC: ltc1qapwe55ljayyav8hgg2f9dx2y0dxy73u0tya0pu All Links: https://linktr.ee/mgshow Intermission Music: Lemurian Shores (with Lucentia) (~432 Hz) by Spheriá | https://soundcloud.com/spheriamusic | Promoted by https://www.chosic.com/free-music/all/ | CC BY-SA 3.0: https://creativecommons.org/licenses/by-sa/3.0/ #Trump #MAGA #AmericaFirst #J6 #DanBongino #KashPatel #CandaceOwens #FBI #Psyops #GovernmentShutdown

What practical advice could leaders and managers implement right now in their organizations to increase productivity and decrease friction between disparate elements of their companies? How can managers reexamine legacy processes that have remained in place simply because they were, and reimagine them for the specific challenges of today's business environment?Donald C. Kieffer is  a lecturer at the MIT Sloan School of Management, the founder of consulting firm ShiftGear Work Design, and the author of the new book There's Got to Be a Better Way: How to Deliver Results and Get Rid of the Stuff That Gets in the Way of Real Work.Greg and Donald discuss the concept of dynamic work design. Donald shares stories of challenges in work design across various industries, including healthcare, banking, and software. He also explains how dynamic work design focuses on understanding and improving human work by making the invisible elements of work visible, reducing inefficiencies, and promoting incremental improvements. With a bit of attention to detail and careful setup, systems and processes can be honed to better serve their businesses. Donald points to mistaken beliefs that senior managers often hold about work processes and emphasizes the importance of regulating work to maintain flow, avoiding the political dynamics that arise from inefficiencies, and managing by observing and understanding the real work, allowing organizations to work smarter and harder. *unSILOed Podcast is produced by University FM.*Episode Quotes:Injecting discovery into work09:15: If you're firefighting to run the day-to-day business, you have no time to think about the future, to even think about the strategy or think about what's happening. So, we're much more about improvement, about incremental improvement. What we are about is discovery. So the idea is that every action that you take in business, be it at whatever level, at the strategic level or the frontline level, is based on the assumptions that activity will cause an improvement. And so we run it as an experiment and say, instead of measuring the plan, we measure: did the activity actually do what you thought? And if it did, great, let's do more. If it didn't, why not? And so we inject discovery into the whole idea of doing, of human work against the target at every level.If you can't draw the work you can't fix it16:14: I have a saying I use all the time that I love, which is, if you can't draw the work, you don't understand it, and you certainly can't fix it. And it comes from... [16:46] And I think we ask leaders all the time, can you draw it? Can you show it? They can't do it. They think they do it in their head. And this is the thing—why these tools, like A3 and different problem-solving tools, work—is that when you have to write down the problem statement, or when you have to draw the work, it moves it from that pattern-matching part of your brain, where you think you know it, to the rational part of your brain, where it shows you, I'm not really sure.Why we blame people instead of the work design the work36:53: If you see a problem, you tend to blame the person who's nearest the problem, even though it could have been caused way far away, because most of the time there could have been something they did, they could have done to keep it from happening. But you know, if there are like 500 opportunities per problem to happen, one or two of them are gonna get through, even though they're not that person's fault. So I think it's just something very human in us, which is why we call this work design. This is not about people; this is about the design of the work that's usually been ad hoc.On helping people do good work57:23: People want to do good work, meaningful work. Go find the stuff that's getting in their way, even if it's stuff you've put in the way, and get out of the way. Help them. Help them with the design of work. I know it's good for business. There are stories galore in the book about how points on the board, but I'll tell you why I do it when I should be sitting on the back porch collecting Social Security and drinking beer. It's because of the look on people's faces. We can actually go to work and be productive no matter what their level is and feel like they're part of something good and doing.Show Links:Recommended Resources:Takashi TanakaRoss PerotHarley-DavidsonClayton ChristensenDaniel KahnemanFrederick Winslow TaylorJugaadSteven J. Spear PodcastWilliam S. HarleyFive WhysNUMMISeagull ManagementGuest Profile:Faculty Profile at MIT Management | Sloan SchoolShift Gear Work DesignGuest Work:There's Got to Be a Better Way: How to Deliver Results and Get Rid of the Stuff That Gets in the Way of Real WorkGet Work Back on Track With Visual Management | ArticleHow to Rescue an Overloaded Organization | Article Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

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Chris's SummaryWith Jim away this week, I review the 2026 Social Security changes from the recently released SSA Fact Sheet covering the 2.8% COLA, the new taxable maximum, quarters-of-coverage earnings, and earnings test limits. I also walk through projected Medicare Part B premiums and the deductible, explain the hold harmless provision, and outline 2026 IRMAA […] The post 2026 Social Security Changes: EDU #2546 appeared first on The Retirement and IRA Show.

In this episode of the Tax Smart REI Podcast, Thomas Castelli and Nathan Sosa, Head of the National Tax Department at Hall CPA, sit down with Alex Savage, CPA, CFP, to unpack the Mega Backdoor Roth 401(k), one of the most powerful yet underutilized tax strategies for high-income earners. They break down how the strategy works, who qualifies, and why it can be a game-changer for those looking to build long-term, tax-free retirement wealth, all while balancing real estate investing and other income streams. From contribution limits and in-plan conversions to control group rules and timing, this episode covers everything you need to know to decide whether this advanced strategy fits your situation. You'll learn: - What makes the “Mega” Backdoor Roth 401(k) different from a traditional or standard Roth IRA - How high-income W-2 earners and solopreneurs can contribute up to $70,000+ in after-tax dollars - Why this strategy can help you manage future tax rates, Social Security taxation, and estate planning - The key testing and timing rules to avoid IRS pitfalls - When a Mega Backdoor Roth makes sense and when real estate might be the better play Whether you're a tech executive, business owner, or high-earning real estate investor, this episode gives you the clarity to determine if the Mega Backdoor Roth 401(k) belongs in your financial toolkit and how to use it strategically alongside your real estate portfolio. To become a client, request a consultation from Hall CPA, PLLC at go.therealestatecpa.com/3KSEev6 Subscribe to REI Daily & Enter to Win a FREE Strategy Call: go.therealestatecpa.com/41JuQBX Connect with Engineered Tax Services: https://portal.engineeredtaxservices.com/cost-segregation/quick-start?utm_source=Live+Event&utm_medium=Others&utm_campaign=hall_cpa&pagesense_source=729733000061045013&utm_term=kim_lochridge&utm_content=cost_segregation Get the Solar White Paper: www.therealestatecpa.com/solar-white-paper/ The Tax Smart Real Estate Investors podcast is for general information purposes only and is not intended to provide, and should not be relied on for, tax, legal, or accounting advice. Information on the podcast may not constitute the most up-to-date legal or other information. No reader, user, or listener of this podcast should act or refrain from acting on the basis of information on this podcast without first seeking legal and tax advice from counsel in the relevant jurisdiction. Only your individual attorney and tax advisor can provide assurances that the information contained herein – and your interpretation of it – is applicable or appropriate to your particular situation. Use of, and access to, this podcast or any of the links or resources contained or mentioned within the podcast show and show notes do not create a relationship between the reader, user, or listener and podcast hosts, contributors, or guests. Any mention of third-party vendors, products, or services does not constitute an endorsement or recommendation. You should conduct your own due diligence before engaging with any vendor.

Send us a textWhat if you could pay your kids a salary, take a business deduction, and teach them real financial skills at the same time? In this episode, Mike Jesowshek, CPA, explains how to legally hire your children in your business, what the IRS actually allows, and how to do it correctly so you avoid audits and penalties.You'll learn the rules for paying your kids under age 18, how to document their work, how much you can pay them tax-free, and how this strategy can double as a wealth-building tool through Roth IRAs.

Ever wonder what the numbers really look like behind a pool service route? We pull back the curtain with a clear, practical breakdown of a 45-pool operation charging $185 per month, then map the journey from gross revenue to true take-home pay. You'll hear how recurring service, tight expense control, and smart tax choices can turn a four-day workweek into roughly $5,000 in monthly net income without 12-hour days or constant upsells.We start by setting a realistic model: no side repairs, just weekly service across a compact route. Then we stack the actual costs—chemicals, tools, office needs, licensing, insurance, the odd rental truck—and square off the big decision between the standard mileage deduction and actual vehicle expenses. From there, we explore entity choices (LLC, corporation, or sole proprietor), why audit risk differs, and how a trusted CPA can help you plan quarterly taxes, time purchases, and evaluate whether to put a spouse or first hire on payroll. Along the way, we talk clean books, mileage apps, home office rules, and the long-term benefits of reporting income for financing, Social Security, and eventual route valuation.The best part is scalability. Once your processes are dialed, adding accounts or a technician can grow revenue faster than your personal hours. Route density, predictable billing, and bulk purchasing create leverage that many service trades struggle to match. If you're weighing a jump into pool service or deciding how to price and structure what you already run, this breakdown gives you the numbers, the strategy, and the confidence to build a durable, profitable business.If this helped you see the business more clearly, follow the show, share it with a fellow pro, and leave a quick review—then tell us the one number you most want to improve next.Send us a textSupport the Pool Guy Podcast Show Sponsors! HASA https://bit.ly/HASAThe Bottom Feeder. Save $100 with Code: DVB100https://store.thebottomfeeder.com/Try Skimmer FREE for 30 days:https://getskimmer.com/poolguy Get UPA Liability Insurance $64 a month! https://forms.gle/F9YoTWNQ8WnvT4QBAPool Guy Coaching: https://bit.ly/40wFE6y

What if your investments did more than earn returns—what if they helped shape the culture for good?Today, we'll explore how your money can not only grow but also advance God's purposes in the world. Brian Mumbert joins us from Timothy Plan to share how faith-based investing allows believers to engage the culture with an eternal impact.Brian Mumbert is the President of Timothy Plan, an underwriter of Faith & Finance.Giving That Flows from FaithAt the heart of Timothy Plan's mission is a conviction that money is not merely a financial tool but a spiritual one. Timothy Partners, Ltd.—the advisor to Timothy Plan—tithes its profits to support ministries aligned with biblical values.Those partnerships reflect a desire to be active on the other side of Timothy Plan's investment screens. In other words, it's not enough to avoid investing in companies that exploit, harm, or oppose biblical principles. True stewardship involves using financial influence to protect life, defend freedom, equip biblical entrepreneurs, and strengthen families.This commitment is not theoretical—it's deeply practical.In Central Florida, Timothy Plan partners with organizations such as Choices Women's Clinic, the area's largest pro-life pregnancy center, as well as House of Hope Orlando and the Orange County Jail Ministry. Nationally, their reach extends through partnerships with organizations like Movieguide and Florida Family Voice.Through the Kairos Prize, Timothy Plan helps fund aspiring Christian filmmakers with seed capital to develop their projects. Another powerful partnership is with the Nehemiah Project, which equips entrepreneurs worldwide to start and grow businesses based on biblical principles.A Legacy of Business as MinistryTimothy Plan's founder, Art Ally, was inspired by the legendary Christian industrialist R.G. LeTourneau, who dedicated 90% of his income to God's work. LeTourneau often said, “I shovel out the money, and God shovels it back—but God's got a bigger shovel.”That philosophy continues to shape Timothy Plan's culture. They see business as ministry, and since we are all stewards of God's money, we want to ensure it has an eternal impact.For many investors, the idea that their portfolio could be shaping the culture might feel new. But as an investor, we really need to understand where our dollars are going. When we invest with a biblical worldview, we're not just seeking a return—we're influencing what gets built, produced, and promoted in our world.This approach aligns with the broader mission of Timothy Plan: to provide investment options that reflect the values of faith-driven investors and to mobilize generosity that brings light into dark places. The impact of this approach is tangible. You can see the joy on their faces and the difference these ministries are making—locally in Central Florida and across the nation.At FaithFi, we share that conviction: when you invest with purpose, your portfolio can do more than generate returns—it can help bring redemption and renewal to our culture.To learn more about biblically responsible investing and how your financial stewardship can make an eternal impact, visit TimothyPlan.com.On Today's Program, Rob Answers Listener Questions:I'm planning to retire in 2027 and want to move my deferred compensation. How do I go about that? And should I also get life insurance when I retire?My wife and I just bought a home with a 6.188% adjustable-rate mortgage for three years. Should we refinance now into a 30-year fixed, or wait to see if rates come down?I'll start receiving my full Social Security benefits in December. How much can I earn without being taxed on it?Can you explain how your financial approach differs from Dave Ramsey's? And since Social Security had me apply for widow's benefits, will I owe taxes on that income?Should I invest in gold—or a mix of gold and silver—and how would I do that? And what about Bitcoin or other digital currencies? Are they wise investments, and how would I start?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Timothy PlanCharles Schwab | FidelityAn Uncommon Guide to Retirement: Finding God's Purpose for the Next Season of Life by Jeff HaanenWisdom 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)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Joe Anderson, CFP® and Big Al Clopine, CPA spitball withdrawal strategies, Roth conversion timing, and saving priorities for every stage of life, today on Your Money, Your Wealth® podcast number 555. Christine just retired at 59 and wants the smartest way to draw income before Social Security, without letting taxes take a third of it. Prickly Richard and Margarita Maggie have a plan to "pull ahead" some Roth conversions now to dodge an RMD avalanche later. Will it work? And the Michigan Queen and Mississippi Boy are wondering whether to save harder for retirement or college for three kids currently under the age of 5. Free Financial Resources in This Episode: https://bit.ly/ymyw-555 (full show notes & episode transcript) Tax-Free Retirement Guide - NEW! Free download How To Retire Tax-Free With A Smart Income Plan on YMYW TV Financial Blueprint (self-guided) Financial Assessment (Meet with an experienced professional) REQUEST your Retirement Spitball Analysis DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter   Connect With Us: YouTube: Subscribe and join the conversation in the comments Podcast apps: subscribe or follow YMYW in your favorite Apple Podcasts: leave your honest reviews and ratings   Chapters: 00:00 - Intro: This Week on the YMYW Podcast 00:53 - I Retired at 59. What's My Best Retirement Withdrawal Strategy Before Social Security at 62? (Christine) 13:50 - Should We Do Roth Conversions Before Being Hit With the RMD Avalanche? (Prickly Richard & Margarita Maggie, Tucson, AZ) 26:20 - Saving for Early Retirement at 55 vs. Saving for Kids' Future (Michigan Queen & Mississippi Boy, TN) 39:53 - Outro: Next Week on the YMYW Podcast

Topic: Beyond Health Insurance - Supplemental coverage, Life insurance as a financial foundation, Retirement income planning and Social Security optimization.Our Sponsors:* Check out Secret Nature and use my code ZANE for a great deal: https://secretnature.com* Check out Uncommon Goods: https://uncommongoods.com/zaneSupport this podcast at — https://redcircle.com/the-eric-zane-show-podcast/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Navigating Expat Taxes: Insights for Dream RetireesSnagged a dream place in Puerto Vallarta or Mykonos… and now the IRS is at the door? Today we're joined by expat tax expert Michelle Miele (Director of Paperwork) to decode how U.S. taxes work when you retire abroad. We cover Social Security, IRA/401(k)/Roth distributions, self-employment/online business income, countries with and without U.S. tax treaties, foreign tax credits, and common traps (like selling your U.S. home after you change tax residency). Three real-world scenarios—Mexico, Portugal, and Thailand—show you how this plays out.Key Takeaways:Filing ≠ owing. You'll likely file in the U.S. even after moving, but credits/treaties can prevent double tax.Order matters: generally file where you live first, then the U.S., and use foreign tax credits to offset.Roth alert: some countries tax Roth distributions; plan timing and residency to protect withdrawals.Entity traps: your LLC/S-corp may be treated as a corporation abroad; confirm local treatment before you move.Real estate timing: if selling a U.S. primary home, sell while still a U.S. tax resident to preserve exclusions.Benefits trade-off: higher taxes in some countries may be offset by much lower healthcare and living costs.Related Queer Money Episodes:Ep 614 — Top 5 Cities for Gay Retirement in TaiwanEp 610 — Best LGBTQ+ Retirement Cities in GreeceEp 607 — The $6,000 “Boomer Bonus” Deduction StrategiesEp 599 — Affordable Gay-Friendly Cities in PortugalEp 542 — Gay Expats in Mexico: Pacific Coast EditionChapters:00:11 - Navigating Taxes as an Expat Retiree03:51 - Understanding Tax Obligations for Expats11:34 - Tax Implications of Living Abroad14:10 - Tax Obligations for Expats: A Case Study21:25 - Retirement Abroad: Tax Implications28:09 - Planning for Retirement AbroadMentioned in this episode:Get Your Portugal Golden Visa Faster Here!Want a European passport with access to living in nearly any European country? Just click the link below to find out how. Get Your Portugal Golden Visa Here!Get Your Portugal Golden Visa Here!

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

Nick Hopwood, Certified Financial Planner and Founder of Peak Wealth Management, joins Steve Gruber to break down smart strategies for your retirement and investments. From new IRA, 401(k), and HSA contribution limits to catch-up rules for those over 50, Nick explains how to make the most of your money. He also compares Wirehouse advisors to RIAs, discusses the impact of the government shutdown on retirement planning, and weighs in on the latest mortgage trends. To get a free Social Security analysis and a second opinion with Nick and his team of CFPs to retire with confidence, visit peakwm.com/gruber.

Retirement is often envisioned by retirees as an eternal vacation. No alarms, no deadlines, no meetings. But as retirement life coach and neuroscience expert Cyn Meyer explains, that sudden stop can do strange things to the brain. After years of chasing goals and deadlines, your mind is wired for achievement. So when the structure disappears, it doesn't relax, it actually panics. Many retirees experience what Cyn calls “retirement shock,” where the loss of routine and purpose quietly rewires the brain toward anxiety, depression, or a deep sense of aimlessness.Cyn joins Matt to explain what's really happening inside the brain when you stop working — and how to prevent negative effects. Through her Rewire Retirement Method, Cyn helps retirees replace structure with growth, rediscover purpose through small daily habits, and create new pathways for meaning that last well beyond a career. In this episode, she reveals how to use your brain's natural adaptability to build the vibrant, purpose-filled retirement most people never prepare for.My website with more Medicare resources, books, courses, and more: https://prepareformedicare.com/?utm_source=youtube&utm_medium=social&utm_campaign=organic_descriptionI recommend my wife's Medicare insurance agency, but there's never any obligation or pressure to work with her team. Here's more information if you're interested: https://brickhouseagency.com/?utm_source=youtube&utm_medium=social&utm_campaign=organic_descriptionThe Matt Feret Show is about thriving in midlife, retirement, and beyond. Each week, Matt shares smart conversations on Medicare, Social Security, retirement planning, health, wealth, wellness, caregiving, and life after 50.Explore more episodes and sign up for The Matt Feret Newsletter: TheMattFeretShow.comNeed Medicare help? Book a no-obligation consultation: BrickhouseAgency.comWatch full episodes on YouTube: The Matt Feret ShowSubscribe on Apple, Spotify, or YouTube for more insights on wealth, wisdom, and wellness in retirement. Hosted on Acast. See acast.com/privacy for more information.

For those of you who may be interested in retiring early, today's guest says there is a little known provision in the IRS code that could help.

Why We Need Each Other More Than Everhttps://undpress.nd.edu/9780268210335/the-dignity-of-dependence/https://www.compactmag.com/article/the-great-feminization/Ashley welcomes back Leah Sargeant to discuss her new book, The Dignity of Dependence: A Feminist Manifesto. They explore two core arguments: that women's equality with men doesn't depend on being interchangeable with them, and that no humans are truly autonomous; we're all dependent on one another throughout our lives.The conversation moves from "doom" to optimism, examining how modern society tries to flatten sex differences and promote an illusion of self-reliance, particularly around pregnancy, motherhood, and the workplace. Leah critiques the approach of treating women as "defective men" who need to suppress their biology and feminine qualities to succeed in male-normed environments.Ashley and Leah discuss Helen Andrews' controversial essay on workplace feminization, the false ideal of the independent individual, and how this myth fails everyone—from infants to aging populations. They explore practical solutions, including community building, workplace flexibility, policy changes like baby bonuses and caregiver Social Security credits, and the importance of creating space for interdependence at every scale.The episode celebrates the seasons of life, the necessity of mutual dependence, and finding dignity in our need for one another, from the everyday juggling of school pickups and neighborhood networks to the profound vulnerabilities of pregnancy, illness, and aging.

In this episode, Alex and Wade unpack the complexities of Social Security claiming strategies, weighing the benefits of delaying versus claiming early. They examine key financial considerations such as survivor benefits, tax planning opportunities, and the psychological factors that shape these decisions. The discussion also highlights how the Retirement Income Style Awareness (RISA) tool can help align Social Security choices with individual retirement preferences. Ultimately, the episode underscores the long-term financial impact of claiming decisions.   Takeaways Delaying Social Security can significantly increase lifetime benefits. Social Security provides inflation-protected lifetime income. Survivor benefits are a crucial consideration for couples. Building a social security delay bridge can ease financial pressure. Claiming early may be necessary for those without sufficient resources. Psychological factors play a role in claiming decisions. Discount rates can influence the perceived value of Social Security benefits. RISA helps align retirement income strategies with personal preferences. Claiming early can be rational under certain circumstances. Social Security reforms are likely but won't eliminate the program. Chapters 00:00 Introduction and Context 00:56 The Case for Delaying Social Security 12:07 Understanding RISA and Claiming Early 16:06 Psychological Factors in Claiming Decisions 24:38 Understanding Technical Liquidity and Early Claiming 26:18 Medical Considerations for Early Claiming 28:50 Real-Life Implications of Claiming Strategies 31:11 Legitimate Reasons for Claiming Early 34:22 The Role of Discount Rates in Claiming Decisions 39:20 Dependent Benefits and Claiming Early 42:04 Concerns About Social Security's Future 45:08 Final Thoughts on Claiming Strategies   Links  Explore the New RetireWithStyle.com! We've launched a brand-new home for the podcast! Visit RetireWithStyle.com to catch up on all our latest episodes, explore topics by category, and send us your questions or ideas for future episodes. If there's something you've been wondering about retirement, we want to hear it! The Retirement Planning Guidebook: 2nd Edition has just been updated for 2025! Visit your preferred book retailer or simply click here to order your copy today: https://www.wadepfau.com/books/ This episode is sponsored by Retirement Researcher https://retirementresearcher.com/. Download their free eBook, 8 Tips to Becoming A Retirement Income Investor at retirementresearcher.com/8tips

Lorenz Kraus is awaiting trial in Albany, New York, for killing his parents and keeping their Social Security checks.

The Silent Crisis Changing Everything: US Fertility Rate {1.6} vs. Replacement Rate {2.1)!Do you ever wonder what happens when the world quietly slips below the point of population replacement? It's not a dystopian fantasy—it's the reality unfolding right now across the developed world.In this episode of Do You Ever Wonder, we tackle The Birthrate Bomb, an unprecedented demographic crisis with profound consequences for every facet of life. Our guest is Elliot Daigneault, an entrepreneur who has closely studied the growing crisis.The numbers are stark: the required replacement rate is {2.1} children per woman, yet the United States fertility rate has plummeted to {1.6}. This gap is creating aging societies, shrinking consumer bases, and an economic system built on perpetual growth facing an existential reckoning.Inside the Episode: Economic Collapse, Real Estate Chaos, & the Workforce CrisisWe dive deep into the real-world consequences of this fertility rate collapse:Real Estate Market Disaster? What happens to housing demand and property values when there are fewer young people to buy homes? We explore how a declining workforce and aging demographics could permanently alter the real estate market.The Future of Business: How can businesses survive and thrive amidst crippling labor shortages? We analyze the impact on wages, automation, and the long-term viability of industries that rely on a growing talent pool.Economic Reckoning: Can our pension systems, Social Security, and national debt withstand a rapidly shrinking base of workers? We break down the threat to the overall economy and the end of predictable GDP growth.The Million-Dollar Question: Is Immigration the Solution?Can sustained immigration solve the demographic deficit and save our economy? Or does the answer require a completely new approach to family, work, and community life?Is the future one of innovation and adaptation… or quiet decline?Don't Miss a Moment!If this episode made you think, please hit the LIKE button!SUBSCRIBE to the Do You Ever Wonder channel for weekly deep dives into the questions that matter most.

Confused about why your Medicare Part B premium is higher? Discover how IRMAA (Income-Related Monthly Adjustment Amount) impacts your Medicare costs and what federal employees and retirees can do about higher premiums. This video covers:What is IRMAA and why it matters for Medicare Part B & DHow taxes affect your Medicare premiums and retirement budgetPlanning strategies for federal retirees, including FERS, TSP, Social SecurityReal-world tips on managing healthcare costs and avoiding surprises

France has one of the most generous pension systems in the world. But several governments there have collapsed over questions about how the government will fund it. All over the world, aging populations are forcing governments to rethink their assumptions. Today on the show, what France's political fiascos teach all of us about the economics of an aging population, and what a retirement expert's ideal retirement system might look like.Mercer CFA Institute Global Pension Index 2025Related episodes: What would it take to fix retirement? What does the next era of Social Security look like? When Retirement Advice Goes Viral For sponsor-free episodes of The Indicator from Planet Money, subscribe to Planet Money+ via Apple Podcasts or at plus.npr.org. Fact-checking by Sierra Juarez. Music by Drop Electric. Find us: TikTok, Instagram, Facebook, Newsletter.  Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

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Retirement doesn't come down to a magic number, it comes down to your number. This episode gives you a simple, personalized framework to decide when you can truly retire based on the life you want, not generic benchmarks.First, get clear on monthly spending (baseline needs + lifestyle wants). Then reverse-engineer your target by layering in taxes, a sensible withdrawal strategy, guaranteed income (Social Security, pensions), and the one-time costs people forget—like cars, remodels, weddings, or big trips.Beyond the math, we tackle the emotional side: purpose, identity, and designing days that feel meaningful, so the plan funds a life you actually want to live.What you'll learnA simple framework to find your number, not “the” numberHow to translate monthly spending into a retirement targetCoordinating Social Security, pensions, and portfolio withdrawalsPlanning for taxes, RMDs, and estate basics without overwhelmBudgeting for big one-time expenses (and avoiding nasty surprises)Stress-testing returns and inflation—without getting lost in complexityBuilding purpose and rhythm in the first 1–2 years of retirementIf this brought clarity to your timeline, follow the show, share it with a friend, and leave a quick review—so more people can retire on purpose.-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 Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.

A new report says retirees who use a so-called "bridge strategy" can actually spend more and need fewer assets to retire securely. That's right. By delaying Social Security and using other savings to "bridge the gap," you could improve your lifetime income, reduce longevity risk, and build more peace of mind into your plan.  We will break down the research and find ways to make Social Security work harder for you. After that, I'll answer a listener question: What's the difference between a 5 year MYGA and a 5 year SPIA?  Resource: Article by John Manganaro on ThinkAdvisor: This Social Security Strategy Gives Retirees More to Spend Connect with Benjamin Brandt Get the Retire-Ready Toolkit: http://retirementstartstodayradio.com Subscribe to the newsletter: https://retirementstartstodayradio.com/newsletter Work with Benjamin: https://retirementstartstoday.com/start Follow Retirement Starts Today in:Apple Podcasts, Spotify, Overcast, Pocket Casts, Amazon Music, or iHeart Get the book!Retirement Starts Today: Your Non-financial Guide to an Even Better Retirement  

Show Notes: Samora Wolokolie talks about his dual roles as a CPA and attorney in Monrovia, Liberia. Samora lists his credentials: chartered accountant, certified public accountant, certified forensic investigation professional, certified fraud examiner, certified tax practitioner, and lawyer, and  details his academic background. He is also an associate professor at the University of Liberia where he teaches all levels of accounting. Samora also teaches at other universities and holds degrees from  Cuttington University, and Chariot University. He talks about his career path, including working with Deloitte in 2000, then moved to PKF Liberia and Baker Tilly, where he qualified as a chartered accountant in 2014.  Serving as Liberia's Deputy Minister of Finance for Fiscal Affairs Samora served as Liberia's Deputy Minister of Finance for Fiscal Affairs from 2018 to 2024, managing the national budget and growing it from $600 million to $800 million. When asked about the major sources of revenue for the Liberian government, Samora explains that over 80% of the government budget comes from domestic revenue, with the rest from donors like the IMF, World Bank, and European Union. He details the importance of conducting audits and meeting benchmarks to access external resources, and shares a few examples of how this works. Samora discusses his role in developing revenue policies and regulations, focusing on domestic resource mobilization to grow the budget to $1 billion. He highlights the challenges and strategies needed to achieve this goal, including tax policies and revenue measures. He goes on to explain the structure of the companies he currently works for, his roles there, and how it focuses on both accounting and legal issues.  Major Industries and Economic Potential in Liberia The conversation turns to the main industries in Liberia. Samora describes Liberia as an input-driven economy with significant potential in mining, forestry, and infrastructure development. He mentions the mining sector's potential, including gold, iron ore, and diamonds, and the involvement of companies like ArcelorMittal. Samora also discusses the forestry sector's potential, including logs and the Kimberley Process. He emphasizes the government's efforts in infrastructure development, particularly road construction and building maintenance. He goes on to talk about investment potential and licensing, shipping, and exporting. Consulting and Legal Processes in Liberia  Samora talks about the process of hiring independent consultants in Liberia. He advises talking to an attorney and a CPA. He recommends checking with the Liberian Institute of Certified Public Accountants and the Liberian National Bar Association for licensed professionals. Samora explains the distinction between attorneys and counselors at law in Liberia, and recommends dealing with firms to ensure coverage through professional liability and insurance coverage. He goes into detail on the importance of following processes and doing due diligence and background checks when hiring consultants.  Taxation and Labor Law Considerations for Foreign Companies Focusing on the tax implications for foreign companies hiring consultants in Liberia, Samora explains the withholding tax rates for resident and non-resident taxpayers, including the 10% and 15% rates for ordinary companies and the 6% rate for mining operations. He clarifies the concept of resident and non-resident status based on the number of days spent in Liberia. Samora discusses the importance of understanding labor law considerations, including contracts, occupational health and safety, and long-term employment. He also explains the tax brackets and Social Security tax obligations for foreign companies, employees and independent contractors, in addition to labour laws and health and safety laws in Liberia. Insurance Requirements for Firms in Liberia. Samora advises firms to have professional liability insurance to cover potential transgressions. He emphasizes the importance of ensuring payments pass through formal financial institutions to avoid money laundering issues. Samora suggests using bank-to-bank wire transfers or prepaid cards for payments to consultants, and he reiterates the importance of due diligence and background checks when hiring consultants in Liberia. Timestamps: 04:11: Revenue Sources and Management in Liberia  09:38: Major Industries and Economic Potential  20:04: Consulting and Legal Processes in Liberia  27:08: Taxation and Labor Law Considerations 36:50: Insurance and Payment Methods  Links: LinkedIn: https://www.linkedin.com/in/atty-samora-p-z-wolokolie-ph-d-cfe-ca-cpa-fcfip-l-l-b-67315438/ Alliance CPA Inc:  https://alliancecpainc.com/ TORCH Professional Consultancy Inc:  https://topcinc.com/   Unleashed is produced by Umbrex, which has a mission of connecting independent management consultants with one another, creating opportunities for members to meet, build relationships, and share lessons learned. Learn more at www.umbrex.com.  

Trump appeals a judge's SNAP ruling. Ben riffs. David Faris gives the good and bad news from Tuesday's elections. The good news—America hate Trump. The bad news—he's still in charge. Also, envy as a political force. Americans are philosophical conservatives and policy liberals. What if SNAP were like Social Security—open to all? Would Donnie and Musk take it? You know they would. David is a political science professor at Roosevelt University and a columnist for The Nation and Newsweek. His views are his own.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

This week, Jeremiah and Alex tackle the questions that real retirees are actually asking. From how to file for Social Security the smart way to how to unlock forgotten retirement money hiding in old accounts. They dig into Social Security myths and strategies, including how to decide when to file, the difference between spousal and survivor benefits, how income limits affect your payments, and what happens when SSDI converts to regular benefits. Callers share real-world dilemmas: a 64-year-old in cybersecurity weighing when to claim; a woman in California discovering a secret credit card in a community property state; and a couple debating whether to sell or rent a second home and how to avoid capital gains taxes using the Section 121 exclusion. The unstoppable duo wrap with tips on finding unclaimed 401(k)s, old accounts, and missing funds, plus why year-end is the perfect time to revisit tax strategies and portfolio moves.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Jeremiah Bates & Alex Lundgren ————————————————————— SPONSORS: Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

Join us for a special episode of CURE America, where host Pastor Donald T. Eason sits down with Star Parker, the founder of the Center for Urban Renewal and Education (CURE). This conversation was recorded live at the 2025 CURE Clergy Policy Summit, held in Washington, DC at the iconic Willard Hotel. Star, who has authored four books drawing from her own journey out of welfare, shares insights from her 30 years building an organization dedicated to helping others achieve independence and dignity. This episode offers a unique look at the transition of leadership at CURE, captured amid a gathering of over 400 pastors focused on faith-driven solutions for urban communities. The discussion begins with the hand-off, as Star explains to Donald that after three decades of leading, it's time for a new chapter—one she believes requires strong pastoral guidance from men in the community. She emphasizes why the next steps in addressing inner-city challenges must come from pastors rather than politicians, and why she chose this moment to step aside while remaining involved. From there, Star addresses why she views Social Security as a modern-day barrier to wealth-building, particularly for black families. She argues that allowing individuals to invest the 12.4% deducted from their paychecks could close the wealth gap in a single generation, highlighting how the current system prevents families from passing on inheritances. The pair also explores the drawbacks of minimum-wage laws through a biblical lens, noting with a mix of humor and seriousness how such policies might have disrupted the story of Ruth and Boaz—potentially altering the lineage leading to King David and Jesus. They tie this to broader lessons from Scripture about opportunity and hard work. Star shares a recurring prophecy she's heard from several sources: that the next Great Awakening in America will emerge through the Black church. She sees the summit itself as evidence that this moment is unfolding now, urging collaboration between churches to drive real change. In the closing moments, Star delivers a direct call to action, stating that every church should function as a school and every pastor as a policy influencer. Without this engagement, she warns, government efforts will continue to fall short in fixing community issues. Overall, this episode focuses on the evolution of a longstanding movement, offering practical wisdom and inspiration for viewers committed to faith-driven solutions.

This Day in Legal History: Social Security AmendmentsOn November 10, 1983, President Ronald Reagan signed into law the Social Security Amendments of 1983, a landmark piece of legislation aimed at addressing a looming fiscal crisis in the Social Security system. At the time, the program was projected to run out of funds within months, threatening benefits for millions of retirees. The bipartisan effort, led by a commission chaired by Alan Greenspan, produced a package of reforms that fundamentally altered the structure of Social Security and continue to shape its operation today. One of the most significant changes was the gradual increase in the full retirement age from 65 to 67, a shift that reflected growing life expectancies and was designed to reduce long-term benefit payouts.Another major provision subjected Social Security benefits to federal income tax for higher-income recipients, marking a departure from the program's previously tax-exempt status. These changes helped restore solvency to the system and underscored the evolving view of Social Security not merely as a safety net, but as part of a broader fiscal policy framework. The amendments also mandated that federal employees begin paying into Social Security and included temporary payroll tax increases.The 1983 reforms were notable for their rare bipartisan consensus, forged between a Republican president and a Democrat-controlled House. The political compromise demonstrated that major structural entitlement reform was possible when both parties shared a sense of urgency and responsibility. The law's legacy is complex—it shored up the system for decades but left future generations facing similar solvency questions. Legal scholars and policymakers still reference the 1983 amendments as a model of negotiated reform, even as the political climate has become more polarized. The taxation of benefits and the higher retirement age remain central to debates about equity and sustainability within the program.The Social Security Amendments of 1983 exemplify how statutory changes can recalibrate entitlement programs to respond to demographic and economic pressures, while raising ongoing questions about intergenerational fairness and fiscal responsibility.A federal appeals court has upheld a lower court's order requiring the Trump administration to fully fund Supplemental Nutrition Assistance Program (SNAP) benefits for November, despite the ongoing government shutdown. The U.S. Department of Agriculture (USDA) had planned to rely solely on $4.65 billion in contingency funds, which would have resulted in reduced aid, but the court found this inadequate. The Rhode Island judge had ordered the USDA to tap into a separate $23.35 billion fund intended for child nutrition programs to cover the $4 billion shortfall and avoid widespread harm to the 42 million Americans who rely on SNAP.While the 1st Circuit declined to stay the lower court's ruling, Supreme Court Justice Ketanji Brown Jackson temporarily paused the order, creating ongoing uncertainty about benefit distribution. The USDA has since directed states to reverse any moves to issue full benefits made before the pause, warning of potential financial penalties. The administration argued that it couldn't be forced to reallocate funds during a shutdown, blaming Congress for the funding crisis. However, the appeals court emphasized the urgent need to prevent food insecurity during the winter. The case arose from a lawsuit brought by cities, nonprofits, a union, and a food retailer seeking full benefit payments.Trump administration cannot withhold full funding for food aid, US appeals court rules | ReutersLarge and midsized U.S. law firms experienced a strong increase in client demand during the third quarter of 2025, according to the Thomson Reuters Institute. Demand rose 3.9% year-over-year—marking one of the largest quarterly gains in two decades and the highest outside the 2021 post-pandemic rebound. Transactional practices drove much of this growth, particularly among midsized firms, with M&A work rising 6.7%, corporate work up 4.4%, and real estate and tax also showing solid gains.Litigation demand increased 4.9%, while labor and employment rose 4%. Bankruptcy, however, dipped slightly by 0.4%. Demand for countercyclical practices—those that tend to rise in downturns—was more modest, with larger firms seeing smaller gains compared to firms ranked 101–200. Midsized firms also saw a 3.9% rise in these areas. Analysts attribute part of the shift to corporate clients seeking cost control by reallocating work to more affordable firms.Billing rates were also up 7.4%, contributing to greater profitability despite a 7.5% increase in overhead expenses driven by tech investments. While current trends point to a strong 2025, the report warned of continued global economic and geopolitical instability that could reverse gains quickly.US law firms saw demand surge in third quarter - report | ReutersDemocrats ended a record-long government shutdown without securing their primary goal: the extension of health insurance tax credits under the Affordable Care Act. Despite initial unity, eight Senate Democrats broke ranks and voted with Republicans to advance a bill reopening the government on its 40th day, omitting the sought-after healthcare provisions. In return, they received only a vague promise of a future vote on the subsidies, a concession many in the party, including Senators Elizabeth Warren and leaders in the House, criticized as a strategic failure.The decision has sparked internal party conflict, especially after Democrats had recently seen electoral gains tied to their affordability messaging. Some Democrats believed holding out longer might have forced Republican concessions, but others, like Senator Jeanne Shaheen, argued prolonging the shutdown would only harm the public. The failed push is reminiscent of past shutdowns, including Trump's 2018-19 border wall standoff, where policy goals were ultimately abandoned after prolonged disruption.Air travel chaos and delayed food aid added pressure to end the shutdown, with more than 10,000 flights affected and warnings of a near-complete travel halt ahead of Thanksgiving. While public opinion largely blamed Republicans for the impasse, Democrats now hope to leverage the upcoming healthcare vote in their favor ahead of the 2026 midterms. The fate of the tax credits—and potentially rising premiums for 24 million Americans—will likely become a defining campaign issue. The shutdown technically continues as the Senate and House still need to finalize and pass the bill before President Trump can sign it.Democrats Concede Shutdown Fight Without Health Care Win in HandPresident Donald Trump has issued pardons to at least 77 individuals connected to efforts to overturn the 2020 election, including Rudy Giuliani, Mark Meadows, Sidney Powell, Jeffrey Clark, and other close allies. The pardons, outlined in a proclamation dated Friday, were framed by Trump as an attempt to end a “grave national injustice” and promote “national reconciliation.” These actions come amid ongoing investigations into the fake elector scheme that aimed to keep Trump in power after his 2020 loss to Joe Biden—a plan Trump and his allies continued to promote until his 2024 re-election.While Trump himself had been federally indicted in connection with the elector plot, that case was dismissed after his re-election, citing the Justice Department's policy against prosecuting a sitting president. The pardons only apply to federal charges and do not shield recipients from state-level prosecutions, which remain active in some jurisdictions. The White House has not publicly commented on the latest round of pardons, many of which were not formally announced.Included in the list of recipients are legal and political figures such as John Eastman, Christina Bobb, and Boris Epshteyn, all of whom played public roles in contesting the 2020 results. The full number of individuals pardoned could be even higher, as the list may include unnamed individuals.Trump pardons Giuliani and dozens of others accused of seeking to overturn his 2020 defeat | Reuters This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.minimumcomp.com/subscribe

[Coastal News] A tribute to one of our own: Rosemarie Liftoff. [Housing Wire] Senate Democrats propose bill to boost Social Security & VA payments. [HECMWorld] Exclusive Interview: The leaders of Atlas VMS & QuantumReverse announce a new technology partnership. Watch our video podcast here!

This week on Investing Simplified, Matt Sudol and Matt Mai covered essential year-end financial strategies, including tax planning, required minimum distributions, and maximizing retirement contributions. They discussed common tax surprises faced by small business owners, the importance of proactive planning for 2025, and new tax rules introduced by the recently enacted "Big Beautiful Bill" (OBBB). With the economy navigating Federal Reserve interest rate changes and ongoing volatility, the hosts emphasized reviewing your financial plan before the busy holiday season and ensuring emergency savings are in place, especially as market conditions remain uncertain.The show also provided practical retirement guidance, tackling questions about Social Security options (such as claiming at age 62 versus 70), considerations for early retirement, and the necessity of customized financial modeling for future scenarios. Estate planning was another featured topic, with special attention given to blended families and potential family conflicts.Navigating the world of finance can be overwhelming, especially when biased advice and outdated strategies cloud the path to financial success. That's why Price Financial Group Wealth Management created Investing Simplified — a podcast dedicated to demystifying the complexities of finance and investing. Join our experienced hosts and guest experts as they break down financial concepts into practical, actionable insights. Whether you're a seasoned investor or just getting started, Investing Simplified is your go-to resource for honest advice and proven strategies to help you build a confident financial future. Meet the Hosts: Matt Mai - CIO & Wealth Manager Matt Sudol - COO & Wealth Manager Bo Caldwell - CCO & Wealth Manager Tune in and take charge of your financial journey with clarity and confidence! Schedule A Complimentary Consultation

A single misunderstanding about Social Security spousal benefits can cost couples thousands over retirement. This episode unpacks the real math behind how Social Security treats spouses, ex-spouses, and survivors, so you can make smart claiming decisions that protect both cash flow and long-term security.Listen to learn how the spousal benefit actually works: it's based on 50% of the primary earner's full retirement age benefit, not when they file. We walk through clear examples showing who qualifies, how marriage length and divorce rules apply, and when a lower earner can switch from their own benefit to a larger spousal amount.James also separates spousal from survivor benefits—because they're not the same thing. Survivor checks can reach up to 100% of what the deceased earned, which makes timing even more critical for the higher earner. You'll hear how early filing, delayed credits, and coordination with 401(k) withdrawals or Roth conversions all play into your bigger retirement income plan.The goal: help couples see Social Security not as a guessing game, but as one of the most flexible (and misunderstood) tools for creating reliable income.If you're planning around two benefit records, a stay-at-home spouse, or a late-career divorce, this episode will clarify your options and help you avoid the traps that quietly shrink your lifetime income.-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!

With Jim is away at a conference, Chris is joined by Jake to discuss listener questions on Social Security survivor benefits, and Roth conversion strategies. (6:30) A listener asks how a widow can maximize her Social Security benefit when her late husband had not yet claimed his. (14:15) George seeks guidance on figuring out if […] The post Social Security and Roth Conversion Strategies: Q&A #2545 appeared first on The Retirement and IRA Show.

In this episode, Rochelle and Leslie stitched together conversations as colorful as their fabric stashes! They shared exciting personal projects, with Rochelle completing a wedding quilt and diving into her label-making obsession, while both exchanged travel wisdom about the Mobile Passport Control app and Viking cruise adjustments. The crafty duo discussed upcoming retreats, Halloween plans with grandchildren, and fitness journeys, before unraveling conversations about shipping costs, quilt-making techniques, and the surprising history of ranch dressing. Their needle-sharp wit shone through discussions of buffalo wings, tomato soup preparations for Thanksgiving retreats, and the practical wisdom that UPS might beat USPS for heavier packages.The conversation took a heartfelt turn as Rochelle shared her involvement with suicide prevention initiatives and her touching experience giving quilts to unhoused individuals, emphasizing the importance of remembering loved ones for their positive qualities. Creative energy flowed through discussions of zipper bag projects, with Rochelle hunting for the perfect colored zippers and planning to bring her creations to an upcoming retreat. These quilting companions wrapped up their chat with sewing projects featuring directional chicken fabric, a Nutcracker-themed quilt class, matching family pajamas, and heartwarming stories of community support—including how Patty helped an unhoused woman named Barbara secure Social Security benefits, leading to Barbara's touching plan to donate underwear and socks for the holidays.This is a jam-packed episode filled with heart. Enjoy!*Please note: We are aware of the audio issues with Rochelle's microphone being too low. We will continue to work to improve this!For your ultimate quilting experience, check out our sponsor, Osage Hills Retreat Center for upcoming retreats, classes and so much more! It is Oklahoma's premier craft destination. Relaxation and Send us a textFollow Leslie on Instagram at @leslie_quilts and Rochelle at @doughnutwarrior

When voter rolls fail, who's really running the show? Tara dives into the shocking story of newly elected Kansas mayor Joe Ciballos, who turns out to be a Mexican citizen and not legally eligible to hold office—or even vote in federal elections. Facing multiple felony charges for voting fraud and election perjury, his case exposes gaps in voter verification, the consequences of past executive orders, and the hidden challenges in safeguarding American elections. In this episode, Tara uncovers the extraordinary case of Kansas mayor Joe Ciballos: The Discovery: Coldwater Mayor Joe Ciballos, a Mexican citizen and legal permanent resident, was elected despite being ineligible to vote or hold office in the U.S. Legal Fallout: Ciballos now faces multiple felony charges, including voting without citizenship and election perjury, while federal authorities may pursue further immigration fraud charges. Voter Roll Verification: The case highlights the effectiveness of the Trump-era national citizenship database, which Kansas recently implemented to identify noncitizen voters. Broader Implications: Tara discusses how past executive actions under the Biden administration prevented routine verification of voter rolls against Social Security and Homeland Security databases, allowing millions of noncitizens—including thousands on terror watch lists—to receive Social Security numbers and access programs. Systemic Risks: The episode explores the hidden vulnerabilities in election systems, the influence of “shadow” voters, and the urgency of restoring integrity to elections before future federal, state, and local races. Takeaway: While the Ciballos case is alarming, Tara emphasizes that this discovery shows proactive measures can work—and underscores the importance of vigilance, verification, and accountability in protecting American democracy. Kansas, Coldwater, Joe Ciballos, illegal voting, election fraud, mayor, citizenship, voter verification, Trump database, Secretary of State, attorney general, immigration fraud, felony charges, voter rolls, US elections, legal permanent resident, criminal charges, shadow nation, democracy, Tara Show

In this episode, Tara covers a sweeping range of interconnected issues reshaping America: NYC Exodus: Florida realtors are flooded with calls from New Yorkers fleeing high taxes and socialist-leaning policies under Mayor Mankami, demonstrating how political decisions can shift populations and markets overnight. Demographics & Voting: Tara highlights the impact of immigration on elections, citing that nearly 50% of New Yorkers are foreign-born and 20% cannot speak English, influencing voting outcomes in major cities. Kansas Mayor Scandal: Newly elected Coldwater Mayor Joe Ciballos is exposed as a Mexican citizen and illegal voter, now facing multiple felony charges, showcasing gaps in voter verification systems. Trump Database vs. Biden Policies: The episode explains the role of the Trump-era national citizenship database in catching noncitizen voters and the consequences of Biden-era executive orders that limited voter verification, which allowed millions of illegal immigrants access to Social Security numbers and benefits, including thousands on terror watch lists. Housing & Economic Strain: Rising property taxes, home equity firms buying homes, and inflated housing prices have caused first-time homebuyer rates to plummet, pushing the median age of first-time homeowners into the 40s. Deportations of illegal immigrants are beginning to affect housing and used car markets. Federal Reserve & Jobs: Tara critiques Jerome Powell's handling of interest rates, framing him as an “economic arsonist” whose decisions threaten job growth. Takeaway: The episode underscores the urgent need for enforcement of immigration laws, vigilance in election integrity, and awareness of economic policies affecting everyday Americans. The episode concludes with a reflection on nonviolent activism and systemic reform as a means to protect the future of the nation.

Tara dives deep into the intersection of immigration, politics, and economics shaping America today. From New Yorkers fleeing socialist-leaning policies in Palm Beach to the shocking election of a noncitizen mayor in Kansas, this episode exposes how policy decisions ripple through housing, elections, and national security. With a critical look at amnesty, voter verification, and the Fed's rate decisions, Tara unpacks the consequences for everyday Americans and outlines what needs to be done to reclaim control. Politics, policy, and power—what they don't want you to know. NYC exodus, Florida real estate, Mankami, socialism vs capitalism, immigration, illegal voting, Kansas mayor, Joe Ciballos, voter fraud, national citizenship database, Trump administration, Biden policies, amnesty, housing crisis, homeownership collapse, property taxes, home equity firms, deportations, rent inflation, used car prices, Jerome Powell, Fed rates, economic policy, Tara Show Today's episode covers the key events shaping the nation: New York to Florida Exodus: Realtors in Florida are overwhelmed with calls as New Yorkers flee rising taxes and socialist policies under Mayor Mankami, demonstrating the economic and political impact of population shifts. NYC Demographics & Elections: Nearly half of NYC's population is foreign-born, and 20% cannot speak English, influencing local elections. This raises concerns about the future of American cities and the effects of amnesty. Kansas Mayor Scandal: Newly elected Coldwater Mayor Joe Ciballos, a Mexican citizen, faces felony charges for illegal voting and election perjury, highlighting gaps in voter verification and oversight. National Citizenship Database: The Trump-era system is beginning to catch noncitizen voters, countering Biden-era policies that limited voter verification and enabled illegal access to Social Security numbers, including individuals on terror watch lists. Housing & Economic Pressures: Skyrocketing property taxes and home equity firms buying homes are pushing first-time homebuyers out of the market, while deportations of illegal immigrants are starting to affect housing prices and used car markets. Federal Reserve Critique: Jerome Powell's handling of interest rates is discussed as an example of how policy decisions can suppress job growth and economic opportunity. Takeaways & Call to Action: The episode emphasizes nonviolent activism, informed voter engagement, and systemic reform as necessary tools to protect the nation's future.

In today's Five Question Friday (FQF) video, we look at these five questions:1. Have we been lied to about our Social Security break-even age?2. Is it ok to restart the 4% rule if the market goes up in early retirement?3. I am nervous about the run up in AI stocks . . . Could it be a good idea to consider diversifying from VTI to an “equal-weighted index fund like Invesco S&P Equal Weight ETF or others like it?4. I'm 64 and I would like to begin annual Roth conversions from my traditional IRA's.  Can you review the rules surrounding these conversions in one's retirement years?  I would like to know how soon I can withdraw converted funds and their associated earnings penalty free and tax free.5. You've mentioned in the past that you transitioned from a six-fund portfolio to a simpler three-fund setup. I'm curious — was that change mainly about reducing complexity and streamlining your investments, or did it reflect a stage of investment maturity and confidence in a more minimalist approach?Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...

Patrick gently responds to a listener's fear of attending Mass, advocating both spiritual and therapeutic support, and assures a young Protestant woman that the Church holds space for everyone, whether or not they have a family. Donation updates, reflections on government funding explored via Elon Musk’s recent remarks, and gratitude for listener support thread through the hour, keeping things urgent, compassionate, and grounded in community connection. Alex - If IVF is not approved by the Church what else is there that is Catholic approved for those struggling with infertility. (01:04) Marlene (email) - I love listening to you and Drew. How do you maintain your composure? (14:44) Rose (email) – Is it safe to travel to the Holy Land? (16:04) Audio: Elon explains how illegal immigrant voters are paid off to vote https://x.com/tarabull/status/1986101204385206768?s=46&t=m_l2itwnFvka2DG8_72nHQ (28:46) Audio: Elon Musk about why Democrats don’t want to clean out all the dead people names from Social Security – https://x.com/wallstreetapes/status/1985235065123779001?s=46&t=m_l2itwnFvka2DG8_72nHQ (34:57) Linda - Elon Musk is very spot on. I worked in an industry that ran Motor Vehicle Reports. 100 year death indicator. People will go to the cemetery and shop around for names and assume a dead person's identity. (44:58)

Stay informed about the changing retirement landscape with hosts Wes Moss and Christa DiBiase as they unpack today's relevant financial topics—from the growing influence of AI-related stocks to strategies for maintaining a well-balanced retirement plan. This episode of the Retire Sooner Podcast focuses on education, awareness, and practical insights to help you better understand the factors that can potentially shape your long-term financial journey. • Explore how AI-related stocks are influencing the S&P 500 and what increased market concentration may mean for maintaining a diversified investment mix. • Review thoughtful rebalancing considerations designed to help preserve diversification across asset classes—including small caps, mid caps, international equities, and fixed income. • Understand the structure and potential risks of employee stock purchase plans (ESPPs), including holding periods and portfolio exposure considerations. • Clarify what the idea of a “million-dollar retirement” represents by examining how individual goals, income needs, and household spending habits differ. • Consider long-term planning concepts such as Roth IRA conversions for inherited assets and the potential benefits of engaging multiple generations in family financial discussions. • Examine the latest Social Security Cost of Living Adjustment (COLA), how it compares historically, and common perspectives regarding future program sustainability. • Evaluate options for managing excess savings allocated toward shorter-term goals—such as travel or home projects—based on time horizon and comfort with potential market movement. • Discuss flexible withdrawal and income planning considerations that may help support the transition from early retirement to Social Security eligibility. Enhance your financial awareness and stay up to date with the Retire Sooner Podcast. Listen and subscribe for educational discussions on market trends, retirement fundamentals, and strategies to help you make well-informed financial decisions. Learn more about your ad choices. Visit megaphone.fm/adchoices

Today - You know Clark loves competition, and there is more choice for you now in the home internet market. More providers are offering wireless internet.  Also, scams keep morphing and  proliferating. Clark discusses the patterns to recognize so you're able to protect yourself and others.   Home Internet For Less: Segment 1 Ask Clark: Segment 2 Scam Warnings: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Mint Mobile Introduces 5G Home Internet From $30/Month The Best Unlimited Hotspot Plans The Best Phone Plan For You - Compare Phone Plans 10 Ways To Save on Prescription Drugs Receive a letter from the Supreme Court? Think again, Social Security watchdog says Chinese Criminals Made More Than $1 Billion From Those Annoying Texts -WSJ DOJ seizes $15 billion in bitcoin from massive 'pig butchering' scam based in Cambodia Crypto ATM crime scene Medicare Advantage Warning: Read This Before You Auto-Renew Why Vacation Clubs Are Even Worse Than Timeshares Automatic Bill Pay: How It Works and How To Do It Safely Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

972. Laura reviews why delaying your retirement benefit could make your nest egg last longer.Find a transcript here. Have a money question? Send an email to money@quickanddirtytips.com or leave a voicemail at (302) 364-0308.Find Money Girl on Facebook and Twitter, or subscribe to the newsletter for more personal finance tips.Money Girl is a part of Quick and Dirty Tips.Links:https://www.quickanddirtytips.com/https://www.quickanddirtytips.com/money-girl-newsletterhttps://www.facebook.com/MoneyGirlQDT Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Is Your Portfolio Too AI-Heavy? and Does Social Security COLA Keep Up With Inflation? In this episode, Wes Moss shares startling JP Morgan research: just 41 AI-related stocks now account for nearly 50% of the S&P 500's weight, making the market severely overweight in a single theme. Wes offers actionable advice on how to rebalance your portfolio. Also, with the new COLA increase, Wes sets the record straight on Social Security, demonstrating that it has quietly been one of America's best inflation fighters since 1975. He examines the history of COLA adjustments and provides an honest assessment of the fear surrounding the Social Security trust fund running out, clarifying what that worst-case scenario truly means for current and future retirees. Mentioned on the show: Rule 72(t): Secret Rule To Access Your IRA Early Rule of 72 Calculator - Clark Howard Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the November 4, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes.  Let us know what you think in the comments! Learn more about Wes:  BOOKS BY WES MOSS   Wes Moss, CFP®  Wes Moss - Clark.com Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices