Podcasts about social security

#668: We're joined in-studio by David Bach, bestselling author of The Automatic Millionaire and The Latte Factor. He's updated his most popular book (over two million copies sold) and this is his last big launch as he heads into retirement. Together, we wrestle with a problem our listeners know well: what happens when you've built the habit of saving, investing, optimizing … and then feel weirdly unable to spend. We talk about mini-retirements, the psychology of “spend and enjoy,” and why waiting to touch retirement money can be its own kind of risk. Key Takeaways Think about retirement as a series of deliberate mini-retirements, not one finish line you might reach with less energy than you expected. If you're a dedicated saver, build a plan for the “spend and enjoy” phase so you do not accidentally optimize away the years you wanted freedom for. Run the numbers on “small” spending habits, not to guilt yourself, but to see which choices actually buy future optionality. Treat withdrawals, benefits, and deadlines as part of the strategy, not a paperwork problem you'll deal with later. If your finances feel out of reach, anchor yourself with a simple projection and one automated action, momentum beats motivation. Resources and Links David Bach's website: http://davidbach.com/ David Bach's books The Automatic Millionaire (updated edition) The Latte Factor Smart Women Finish Rich Chapters Note: Timestamps are approximate and may vary greatly across listening platforms due to dynamically inserted ads. (0:00) Introducing David Bach (4:50) Radical sabbaticals, Florence and rethinking retirement (9:10) Health scares, widowhood stats and enjoying life earlier (11:00) Updating The Automatic Millionaire for 24 million millionaires (15:30) Social Security strategy, RMD parties and claiming earlier (31:30) The latte factor, avocado toast and $10 dollar decisions (33:00) How $10 a day turns into $678,000 (34:20) Oprah behind the scenes, bricks of cash and an audience gasp (47:10) Tiffany Aliche, $75,000 dollars of debt and other success stories (54:25) A $53,000 income couple who retired as multimillionaires (1:25:40) Careers in advising, hiring trends and women advisors (1:28:37) Social Security taxes, new ideas and an eight year tax window (1:41:27) Remembering the “why,” values based choices and using money well Learn more about your ad choices. Visit podcastchoices.com/adchoices

Is your 401(k) really a "benefit"… or did you just get dropped into the government's boiling pot without noticing?

Hour 3 for 12/11/25 Drew and Deacon Chris Kabat discuss America's looming retirement crisis (1:00). Topics: debt (15:55), Social Security (24:53), raising Social Security (30:22), I pulled my money out of the state pension, and made money! (31:53), adjusting retirement age (36:52), technology (38:50), disability (40:14), should I help my sister? She might be homeless (42:52), and Churches should help (47:43). Original Air Date: 12/4/25

In this eye-opening episode, we break down what's really happening with welfare fraud, voter rolls, and national security threats. From millions of illegitimate sign-ups on federal programs

Today's episode starts with chaos in the studio

Today's episode starts with a little studio chaos

Today's show is one for the record books.

Send us fan responses! Ever tried to “authenticate” your way to freedom and wondered why nothing changes? We pull back the curtain on the public vs private divide and show why certified copies, UCC-1 filings, and public records keep you in beneficiary status instead of true control. The big shift is simple but profound: you can only control what you create. If you didn't originate the trust tied to your birth certificate and Social Security number, no amount of authentication will hand you the steering wheel.We walk through the real mechanics of authentication and certification, the Cestui Que Vie framework, and how public filings expose your assets and increase liability. Then we pivot to the private playbook used by enduring communities and elite families: holding companies to own assets, operating companies to conduct business, and non-grantor, irrevocable discretionary spendthrift trusts to separate control from ownership. Private family foundations become your record book and governance hub, keeping sensitive details off the public record while preserving purpose and continuity.Along the way, we highlight the practical tools for building a life that is structured, resilient, and private: affidavits of live birth, nativity certificates, patents of nativity, tribal records, and disciplined record-keeping that assert identity without surrendering title. We also tackle tax exposure, alter ego risks, and why registration is often the moment you give up control. The outcome is a blueprint to move from public dependency to private mastery—own nothing, control everything, and let your structures, not your signature on public forms, define your power.Ready to stop chasing validation and start creating control? Follow the show, share this with a friend who needs the shift, and leave a review with your biggest takeaway so more people can find it.https://donkilam.com FOLLOW THE YELLOW BRICK ROAD - DON KILAMGO GET HIS BOOK ON AMAZON NOW! https://open.spotify.com/track/5QOUWyNahqcWvQ4WQAvwjj?autoplay=trueSupport the showhttps://donkilam.com

Today's show turns a national mood ring into a money lesson. Don and Tom walk through a new Wall Street Journal/NORC survey that sorts Americans into four emotional quadrants—comfortable optimists, comfortable pessimists, stressed optimists, and stressed pessimists. Tom takes the quiz live, landing squarely where most Americans do: personally comfortable, broadly pessimistic. The two unpack why sentiment is so gloomy despite solid personal finances, how risk tolerance shifts with market cycles, and why feelings often overpower facts. Listener questions follow on retirement diversification, how much risk one really needs if Social Security covers the bills, whether younger investors should ever be 100% in stocks, and the practical challenges of automatic withdrawals from ETF-based portfolios. 0:04 Don's intro and NPR-style location banter 1:08 Why the episode is about how we feel about money 1:40 Explaining the four sentiment quadrants in the WSJ/NORC poll 3:12 Tom begins the quiz: current financial satisfaction 4:23 Confidence levels across jobs, savings, and expenses 6:04 Vacations, stock market reactions, and financial worry 8:10 Comparing today's challenges to parents' generation 9:18 Buying a home, marriage, caregiving 10:07 Rating the strength of the U.S. economy 10:46 Optimism about the future and “the American dream” 11:26 Expectations for the next year and future generations 13:06 Results: Tom is a “comfortable pessimist” 14:44 Why pessimism dominates the national mood 15:16 What individuals can—and can't—control about tomorrow 16:29 Listener question: retiring at 63 with mixed assets and too much cash 19:14 How risk tolerance should drive allocation, not income sources 20:35 Fixing the portfolio's biggest issue: excess high-yield savings 21:54 Listener question: should a 47-year-old investor be 100% stocks? 23:11 Why very few people can stomach a 50% decline 23:59 The case for diversification even when accumulating 24:44 Listener question: automatic ETF withdrawals in retirement 26:15 Annual or semiannual rebalancing as a solution 27:28 ETFs vs. mutual funds: cost vs. convenience 29:13 Year-end cleanup and planning habits Learn more about your ad choices. Visit megaphone.fm/adchoices

You're listening to Burnt Toast! I'm Virginia Sole-Smith. Today, my conversation is with Rachel Cahill, a longtime anti-hunger policy advocate based in Ohio. Rachel and her team support national and state-level organizations fighting every day to end hunger and poverty in the United States. Most of her work focuses on making SNAP (the government's Supplemental Nutrition Assistance Program) the most effective, accessible and equitable program it can be in every community. JICYMI: When the federal government shut down this fall, it closed SNAP for the first time in the history of the program, pausing benefits for much of November. Benefits are up and running again in most places, but this has had major ripple effects on the state of hunger in our country right now. And it's led to a lot of long-term questions about what we do to prevent that ever happening again. Rachel knows more about the ins and outs of SNAP, and anti-hunger advocacy, than anyone I know, so I asked her to come on the podcast to explain what's happening, and what we can do to help fight hunger. We also talk quite a bit about how to give strategically because it is that time of year when a lot of us want to do charitable giving. Which is great! But there are good and less good ways to do that. Burnt Toast is a community of helpers, and I think this conversation will help us all be better at helping. If you enjoy this conversation, a paid subscription is the best way to support our work! Join Burnt Toast!

Angel Studios https://Angel.com/Herman Join the Angel Guild today where you can stream Thank You, Dr. Fauci and be part of the conversation demanding truth and accountability.  Renue Healthcare https://Renue.Healthcare/ToddYour journey to a better life starts at Renue Healthcare. Visit https://Renue.Healthcare/Todd Bulwark Capital https://KnowYourRiskPodcast.comBe confident in your portfolio with Bulwark! Schedule your free Know Your Risk Portfolio review. Go to KnowYourRiskPodcast.com today. Alan's Soaps https://www.AlansArtisanSoaps.comUse coupon code TODD to save an additional 10% off the bundle price.Bonefrog https://BonefrogCoffee.com/ToddThe new GOLDEN AGE is here!  Use code TODD at checkout to receive 10% off your first purchase and 15% on subscriptions.LISTEN and SUBSCRIBE at:The Todd Herman Show - Podcast - Apple PodcastsThe Todd Herman Show | Podcast on SpotifyWATCH and SUBSCRIBE at: Todd Herman - The Todd Herman Show - YouTubeIlhan Omar would have you believe that Somalis are the actual victims of the fraud scandal in Minnesota. In spite of their desire to destroy the country, we are to love our enemies, even when they are difficult to love.Episode Links:@IlhanMN says Somalis in Minnesota are actually the victims of the massive fraud scandal in which 91% of the perpetrators are of Somali descent: "It's been really frustrating!"Martha, Do You Hear Yourself?MS NOW Host Downplays $1 Billion Minnesota Somali Welfare Fraud as 'Isolated'HOLY SMOKES! A generational betrayal has occurred - HUD Sec. Scott Turner confirmed that the Democrats gave government-backed MORTGAGES to illegal aliens, harming American citizens. They're now being purged.BREAKING: Voter fraud case in Minnesota TIES Somali communities with registering fake Democrat votersFormer Minnesota Rep Jason Lewis in 2014 described Somali daycare fraud as a "major issue" and said over $100 million dollars was missingThis is from a couple months ago in Minnesota. It's like the wild wild west out there. Somalis dropping off bags of cash to bribe jurors. You know it's taxpayer money too that was already stolen. I'm surprised this guy wasn't elected the next Mayor of Minneapolis.Maine Governor candidate Bobby Charles says that Maine has its own Somalian fraud ringsHOLY SMOKES It just came out that a Somali alien built a so called nonprofit to care for migrants and is now pulling in five million in taxpayer money every single year including money from Maine. Every dollar we send ends up strengthening forces in Somalia instead of helping Americans at home. This is exactly why Trump is cutting the pipeline and forcing accountability.  “We were told to label newly arrived ILLEGALS as ‘long-term disabled' — even for headaches or back pain — so they'd get Social Security for LIFE.” “Once they're classified, that's it — they're set FOREVER. That's exactly what they wanted us to do.”VP Vance: "You cannot have a country where the American people keep on electing immigration enforcement, and the courts tell the American people they're not allowed to have what they voted for."

As the year winds down, most of us feel the crunch of holiday travel, family gatherings, and a calendar that fills up faster than we expect. But this season also offers something incredibly valuable: a natural pause. A moment to look back, look ahead, and make sure our financial lives still reflect the things—and the people—we care about most.To help us think through this year-end reset, we sat down with Cole Pearson, President of Investment Solutions at OneAscent, a family of companies committed to helping believers invest in alignment with biblical values. Cole shares practical, hope-filled steps to set your finances on a firm footing as you head into a new year.Start With What Matters Most: Your ValuesBefore crunching numbers or updating accounts, Cole suggests beginning with the why behind your financial decisions.“As the year winds down,” he says, “it's the perfect time to pause and make sure our financial life still reflects our actual life—our goals and values.”This is the heart of wise stewardship. Money isn't the goal; it's a tool. And when our tools aren't aligned with what matters most, our decisions can drift.Cole encourages families to sit down—whether with a spouse, children, or even a financial advisor—and ask a simple but powerful question:“What is most important for us to reflect through our financial life?”These conversations reconnect us with the things God has entrusted to us: people, opportunities, relationships, and resources. When your values are clear, your financial decisions begin to tell a consistent story.The Three Lenses for a Year-End CheckupTo help families gain clarity, OneAscent uses three helpful “lenses” that offer a holistic view of stewardship. Each one enables you to assess where you are and where God may be inviting you to grow.1. Perspectives: How You Think and Feel About MoneyEvery financial decision begins with a mindset. Do you naturally want to give? Save? Spend? Invest?None of these instincts is wrong—money is simply a tool. But understanding how God has wired you helps you use that tool intentionally rather than reactively.2. Priorities: What Matters Most to Your FamilyOnce your perspectives are clear, it's time to identify your priorities.Is this season about legacy?Providing stability for your family?Creating margin for relationships?Leaning more fully into generosity?“When you know your top priorities,” Cole says, “you can give every dollar a job. It brings focus and direction to your plan.”3. Milestones: What's Changing in Your Life?The end of the year is a great time to reflect on transitions:A new jobA retirementA new child or grandchildA loss in the familyA health changeLife transitions always put money in motion. Recognizing them early allows you to adjust your financial plan before drifting off course.Together, perspectives, priorities, and milestones provide a complete picture of your financial health—and help ensure your plans align with your values.Preparing for the Year Ahead Through Intentional GenerosityFor many families, generosity naturally comes up during year-end reflections. The holidays remind us that giving is both worship and witness—an expression of God's grace through us.Cole encourages families to approach generosity as intentionally as investing.“Whether you're investing or giving,” he says, “we think of both as investing God's resources. We want all of it moving in the same direction—reflecting the same values.”Talking about generosity as a family:Fosters unityClarifies your shared purposeCreates a legacy of open-handed livingThis is a season when many families give. But it's also the perfect time to ask: “How can our giving reflect what we believe most deeply?”Considering Faith-Based Investing in 2026Some listeners may be feeling a nudge toward Faith-Based Investing in the coming year. If so, Cole suggests an easy first step: screen your current portfolio.“Start by asking what you're invested in that may not align with your faith,” he says. Screening helps identify areas where your dollars are unintentionally supporting companies or causes that conflict with biblical values.From there, you can begin redirecting your investments toward companies that create blessing, contribute to human flourishing, and reflect God's heart.This simple exercise can lead to a powerful sense of alignment between your faith and your finances.Explore Values-Aligned Investing With OneAscentOneAscent exists to help believers invest with clarity and conviction—directing capital toward companies that make a positive impact and reflect biblical values. To learn more or begin screening your own portfolio, visit: OneAscent.com/FaithFi.It's a great next step as you prepare to start a new year with purpose, unity, and renewed stewardship.On Today's Program, Rob Answers Listener Questions:I've been offered a small settlement after several years of litigation. My attorney recommends taking it rather than dragging things out, but I'm unsure whether to accept or keep fighting. What's your advice?I started collecting Social Security at 65, but I keep getting emails saying Donald Trump will end Social Security and raise the retirement age to 70. Even Social Security couldn't confirm anything. I'm worried—what should I do if those benefits disappear?I'm almost 62 and considering taking Social Security early at $1,800 instead of waiting until 67 for $2,400. I've heard the break-even point means waiting may not pay off. If I keep working and invest the benefits, how does that affect things? Should I take it now or hold off?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)OneAscentWisdom 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.

Are TikTok "experts" and viral retirement hacks influencing your Social Security decisions? In today's episode,  Floyd Shilanski tackles one of the biggest dangers he sees in federal retirement planning: relying on trends, reels, and generic advice for one of the most important financial decisions of your life. https://zurl.co/JL4Ac

On Jesse's 11th "Ask Me Anything" episode, he unpacks four questions that sit at the center of real-life financial decision-making. He starts with a grounded look at the 15-year vs. 30-year mortgage debate, cutting through rules of thumb to show how interest rates, liquidity, cash-flow, and even your personal comfort with debt shape the right choice far more than blanket advice ever could. From there, he turns to the under-discussed strategy behind Health Savings Accounts—why the "invest and reimburse later" approach works, when it stops working, and how the tax bomb of leaving HSA dollars to non-spouse heirs should change how listeners think about funding and spending those accounts in their 50s and beyond. In a detailed case study, Jesse walks through a listener's complex 2026 tax year involving rental-property capital gains, ACA cliffs, Social Security timing, and potential Roth conversions, revealing how layered tax rules—income brackets, capital gains stacking, depreciation recapture, and NIIT—interact in ways that can either save or silently cost retirees thousands. And finally, he tackles whether a diehard DIY investor or Boglehead should ever hire a financial planner, drawing a sharp distinction between the "Uncle Franks" who truly live and breathe this stuff and the "Nicks" who love markets but miss the deeper planning work. With clarity, nuance, and practical wisdom, Jesse shows listeners not just what to do, but how to think through the tradeoffs that define good long-term planning. Key Takeaways: • A 15-year mortgage saves significant interest, but the higher monthly payments reduce cash-flow flexibility and increase default risk. • A 30-year mortgage often wins mathematically when investors "invest the difference," thanks to potentially higher long-term market returns versus fixed loan rates. • Choosing a mortgage term is partly a psychological decision, not just a financial optimization. • HSA dollars become a tax trap if left to non-spouse heirs, who must treat the entire balance as taxable income in the year of inheritance. • Selling a rental property triggers both capital gains and depreciation recapture, which can dramatically increase taxable income in that year. • DIY investors vary widely—some are true experts, while others know just enough to make avoidable mistakes. Key Timestamps: (02:04) – 15-Year vs. 30-Year Mortgage Debate (11:03) – Liquidity and Mortgage Payments (13:48) – HSA Accounts: When to Fund and When to Use (25:37) – Spending Down HSA Balances (26:39) – Allison's Financial Planning Dilemma (29:05) – Analyzing Capital Gains and Tax Implications (35:49) – Considering Social Security Timing (38:54) – The Role of Financial Planners for DIY Investors Key Topics Discussed:The Best Interest, Jesse Cramer, Wealth Management Rochester NY, Financial Planning for Families, Fiduciary Financial Advisor, Comprehensive Financial Planning, Retirement Planning Advice, Tax-Efficient Investing, Risk Management for Investors, Generational Wealth Transfer Planning, Financial Strategies for High Earners, Personal Finance for Entrepreneurs, Behavioral Finance Insights, Asset Allocation Strategies, Advanced Estate Planning Techniques More of The Best Interest: Check out the Best Interest Blog at https://bestinterest.blog/ Contact me at jesse@bestinterest.blog Consider working with me at https://bestinterest.blog/work/ Personal Finance for Long-Term Investors is a personal podcast meant for education and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

Jeremy Keil explores 7 money moves you can consider before the new year to lower your taxes and keep more of your money in retirement. Every December, people scramble to finish holiday shopping, travel plans, and year-end tasks. But one of the most important deadlines — your December 31st tax deadline — often gets overlooked until it's too late. And once the calendar flips to January 1st, many of the smartest tax moves disappear. In this episode of Retire Today, I walk through seven year-end tax steps you should consider to make sure April brings fewer surprises and more savings. With new tax laws taking effect, the stock market sitting near all-time highs, and contribution limits shifting in the coming years, this is the perfect moment to take control of your finances. 1. Manage Your Tax Bracket Before the Year Ends Your income may fluctuate from year to year — especially in retirement. Some retirees have unusually high-income years due to bonuses, pension payouts, early retirement packages, stock vesting, or unexpected distributions. Others have abnormally low-income years. If you're experiencing a higher income year, now is the time to pull deductions forward. Charitable giving, donor-advised fund contributions, and other deductible expenses can help lower your taxable income. If you're in a lower income year, you might choose to accelerate income instead — such as doing a Roth conversion or taking extra withdrawals at a better tax rate. Year-end planning starts with projecting your tax return and understanding which direction to go. 2. Harvest Capital Losses — and Sometimes Gains Even in years when the market is high overall, you may still have individual positions sitting at a loss. Harvesting those losses can offset gains or reduce taxes now or in the future. On the flip side, some retirees find themselves in the 0% long-term capital gains bracket, which creates the perfect opportunity to harvest capital gains on purpose. When you're in a low tax bracket and gains cost nothing, you can reset your cost basis without additional tax. This is one of the most underused year-end strategies — especially when markets have been climbing. 3. Review Mutual Fund Capital Gain Distributions Many mutual funds issue their capital gain distributions in December. You may not receive the money in cash, but it still counts as taxable income. Look up the estimated year-end distributions from your fund companies and double-check your brokerage account. Mutual fund distributions have surprised many retirees — and they can lead to unnecessary underpayment penalties if tax withholding isn't adjusted in time. 4. Get Your Tax Withholding Correct Years ago, tax underpayment penalties weren't a big deal. But with high interest rates today, penalties now operate more like expensive interest charges for not paying taxes in the proper quarterly schedule. If you expect to owe money for 2025, you may want to adjust withholding from your paycheck, pension, Social Security, or IRA distributions. For retirees over 59½, using IRA withholding is one of the easiest ways to catch up — and it is treated as if it was paid evenly all year. To avoid penalties, don't wait until spring. Make corrections before December 31st. 5. Use Qualified Charitable Distributions (QCDs) If you're age 70½ or older, QCDs allow you to donate directly from your traditional IRA to charity tax-free. This is often better than taking withdrawals and giving afterward — especially if you use the standard deduction. Even if you're not yet required to take RMDs, QCDs can reduce your future RMD burden and help you give in a more tax-efficient way. With 2025 bringing updated QCD limits and ongoing rule changes, it's smart to review your giving strategy now. 6. Make Annual Exclusion Gifts Before Year-End In 2025, the annual exclusion gift limit is $19,000 per person — and it remains the same for 2026. If you're planning to help your children or grandchildren, consider spreading the gifts across the end of this year and the beginning of next year to maximize tax-free amounts. For education planning, 529 plans also allow “superfunding,” letting you front-load up to five years' worth of gifts. Year-end is an ideal time to execute these strategies thoughtfully. 7. Rebalance Your Investments (Especially After a Big Market Year) When markets rise sharply, your portfolio may drift into a risk level you never intended. A portfolio that started at 60% stocks may now sit at 68% or higher. That's more risk than you signed up for — especially if you are nearing retirement. Rebalancing is a critical part of your year-end checklist. It brings your risk back in line, prepares your portfolio for the next year, and supports the long-term stability of your retirement plan. The Bottom Line Year-end planning isn't just about taxes — it's about taking control. Whether it's adjusting your income, harvesting gains or losses, fixing withholding, giving strategically, gifting to family, or rebalancing your investments, December is your opportunity to make meaningful changes before the window closes. Don't let the deadline sneak up on you. Start now so April feels predictable — not painful. Enjoying these episodes? Make sure to leave a rating for the “Retire Today” podcast if you've been enjoying these episodes! Subscribe to Retire Today to get new episodes every Wednesday. Apple Podcasts: https://podcasts.apple.com/us/podcast/retire-today/id1488769337 Spotify Podcasts: https://bit.ly/RetireTodaySpotify About the Author: Jeremy Keil, CFP®, CFA® is a financial advisor in Milwaukee, WI, author of the bestseller Retire Today: Create Your Retirement Master Plan in 5 Simple Steps and host of both the Retire Today Podcast and Mr. Retirement YouTube channel Additional Links: Buy Jeremy's book – Retire Today: Create Your Retirement Master Plan in 5 Simple Steps “QCDs: The Tax-Smart Way to Give in Retirement (2025 Qualified Charitable Distributions Guide)” – Mr. Retirement YouTube Channel Create Your Retirement Master Plan in 5 Simple Steps Connect With Jeremy Keil: Keil Financial Partners LinkedIn: Jeremy Keil Facebook: Jeremy Keil LinkedIn: Keil Financial Partners YouTube: Mr. Retirement Book an Intro Call with Jeremy's Team Media Disclosures: Disclosures This media is provided for informational and educational purposes only and does not consider the investment objectives, financial situation, or particular needs of any consumer. Nothing in this program should be construed as investment, legal, or tax advice, nor as a recommendation to buy, sell, or hold any security or to adopt any investment strategy. The views and opinions expressed are those of the host and any guest, current as of the date of recording, and may change without notice as market, political or economic conditions evolve. All investments involve risk, including the possible loss of principal. Past performance is no guarantee of future results. Legal & Tax Disclosure Consumers should consult their own qualified attorney, CPA, or other professional advisor regarding their specific legal and tax situations. Advisor Disclosures Alongside, LLC, doing business as Keil Financial Partners, is an SEC-registered investment adviser. Registration does not imply a certain level of skill or expertise. Advisory services are delivered through the Alongside, LLC platform. Keil Financial Partners is independent, not owned or operated by Alongside, LLC. Additional information about Alongside, LLC – including its services, fees and any material conflicts of interest – can be found at https://adviserinfo.sec.gov/firm/summary/333587 or by requesting Form ADV Part 2A. The content of this media should not be reproduced or redistributed without the firm’s written consent. Any trademarks or service marks mentioned belong to their respective owners and are used for identification purposes only. Additional Important Disclosures

Meet my friends, Clay Travis and Buck Sexton! If you love Verdict, the Clay Travis and Buck Sexton Show might also be in your audio wheelhouse. Politics, news analysis, and some pop culture and comedy thrown in too. Here’s a sample episode recapping four takeaways. Give the guys a listen and then follow and subscribe wherever you get your podcasts. Clay: I'd be a Better SCOTUS Judge Clay and Buck break down the case that could redefine the separation of powers by determining whether presidents can fire executive branch officials who lead independent regulatory agencies. They argue that this decision isn’t just about Donald Trump—it will impact every future president, from Obama to potential leaders like Gavin Newsom or JD Vance. The hosts criticize Justice Ketanji Brown Jackson’s comments during oral arguments, questioning her understanding of constitutional principles and highlighting what they see as her overtly political approach. Clay even raises the provocative argument that Biden’s pledge to appoint a Black woman to the Court may have violated federal law, sparking a broader discussion on merit, diversity, and judicial competence. The hour then pivots to cultural commentary, featuring clips from The View and a spirited debate about Donald Trump’s legacy. Clay and Buck dismantle claims that Trump will be a mere “footnote,” asserting that he is the most influential political figure of the 21st century and second only to Ronald Reagan in the past 45 years. They compare Trump’s impact to other modern presidents, including Obama, Clinton, and George W. Bush, and explore how Trump reshaped American politics and global dynamics. This segment underscores the enduring influence of Trump’s policies and persona, regardless of media narratives. Uncle Bill Stops By Bill O’Reilly (aka Uncle Bill) shares candid insights from his recent conversations with President Trump. O’Reilly ranks Trump among the top ten U.S. presidents, praising his unmatched work ethic while noting that Abraham Lincoln will always hold the number one spot. He contrasts Trump’s accomplishments with what he calls Joe Biden’s catastrophic presidency, arguing Biden failed to solve a single major problem during his term. O’Reilly also warns that affordability concerns—particularly rising insurance costs—could become a defining issue in the 2026 midterms, even as Trump touts strong economic fundamentals like job growth and stock market gains. Can You Afford Your Life? The discussion pivots to Trump’s economic strategy and his push to address affordability through a Pennsylvania tour. Clay and Buck emphasize that inflation and high prices remain top-of-mind for voters, regardless of improving economic indicators. They spotlight Trump’s critique of Obamacare, playing audio where Trump blasts the law as a “disaster” that enriches insurance companies while leaving Americans with skyrocketing premiums and shrinking networks. The hosts argue that the entire healthcare system is broken, riddled with hidden costs and subsidies, and warn that demographic shifts—more retirees and fewer young workers—will strain programs like Social Security and Medicare for decades to come. Over half of Americans pay no federal income tax, while government spending under Biden—$6.8 trillion in 2021 alone—fueled historic inflation. The hosts dismantle progressive proposals like tax exemptions as reparations, pointing out that many households already pay zero federal income tax. They end the hour by reaffirming that Biden’s reckless spending spree drove inflation from 1.7% to over 9%, cementing economic frustration as a key issue heading into the next election cycle. Christmas Music and Gifts are Overrated A spirited debate about holiday traditions, gift-giving, and the commercialization of Christmas. Clay admits he’s “going Grinch” over the nonstop barrage of Christmas music and argues that only children should receive gifts, while Buck shares his preference for practical contributions like college fund donations over material presents. Callers weigh in with creative solutions, including gift exchange apps and liquor swaps, adding humor and relatability to the discussion. The hour closes with a playful exchange about presidential rankings, as listeners challenge the hosts’ takes on George Washington, Abraham Lincoln, and Thomas Jefferson, sparking a lively historical debate. Make sure you never miss a second of the show by subscribing to the Clay Travis & Buck Sexton show podcast wherever you get your podcasts! ihr.fm/3InlkL8 For the latest updates from Clay and Buck: https://www.clayandbuck.com/ Connect with Clay Travis and Buck Sexton on Social Media: X - https://x.com/clayandbuck FB - https://www.facebook.com/ClayandBuck/ IG - https://www.instagram.com/clayandbuck/ YouTube - https://www.youtube.com/c/clayandbuck Rumble - https://rumble.com/c/ClayandBuck TikTok - https://www.tiktok.com/@clayandbuck YouTube: https://www.youtube.com/@VerdictwithTedCruzSee omnystudio.com/listener for privacy information.

Watch The X22 Report On Video No videos found (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:17532056201798502,size:[0, 0],id:"ld-9437-3289"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");pt> Click On Picture To See Larger PictureThe [CB][DS] are trying to convince the world high electricity costs are coming from AI and Crypto mining, it is not, its coming from the green new scam. Gas prices are coming way down. The new system Trump is building is getting stronger and stronger. The [CB] will fight back against Trump’s tariff system. The [DS] is pushing back, they want war and they do not want the peace deal. Corruption is being exposed in Ukraine which is putting a lot of pressure on Zelensky, the EU is now funding Ukraine. Soon he will be pushed out or he will sign the peace deal. Trump says its time for election in Ukraine. The [DS] criminal syndicate that they setup in DC under threat by the SC. They will rule that Trump as the right to remove the agencies and people, they are not independent of the Executive Branch, game over. Economy https://twitter.com/MarioNawfal/status/1997946755116359938?s=20 thanks to bad energy policy, not data centers. He slammed subsidies for unreliable sources like offshore wind, saying some projects cost $11B for 1GW of intermittent power, versus $1–2B for 24/7 reliable supply. Burgum laid into what he called “climate extremists,” accusing them of prioritizing flashy green experiments over building energy systems that actually work. The result is sky-high bills for electricity that cuts out when the weather does, while lawmakers pat themselves on the back for feel-good “net zero” policies that don't add up. Burgum: “A lot of the higher prices that you’re seeing are not related to the AI data centers. The policy choices of the last 5 years, driven by sometimes climate extremists, were the ones that are driving up the prices you’re seeing.” (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:18510697282300316,size:[0, 0],id:"ld-8599-9832"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");   That is why I have authorized documentation to impose a 5% Tariff on Mexico if this water isn't released, IMMEDIATELY. The longer Mexico takes to release the water, the more our Farmers are hurt. Mexico has an obligation to FIX THIS NOW. Thank you for your attention to this matter! Gas Prices Drop To Lowest Level In Nearly 5 Years Across US Gasoline prices have dropped to their lowest levels in nearly five years and stand at around $2.90 per gallon on average as of Monday, according to data from GasBuddy, a company that tracks gas prices. “The national average has just slipped below $2.90 per gallon for the first time since May 2, 2021,” GasBuddy analyst Patrick De Haan wrote in a Sunday post on X.   Source: zerohedge.com https://twitter.com/RapidResponse47/status/1998037849539846303?s=20 ADP Weekly Employment Report Signals Rebound In Labor Market  the US labor market turned up for the four weeks ending Nov. 22, 2025, private employers added an average of 4,750 jobs a week., according to ADP’s new weekly employment data This week's positive number hints at an upswing in the labor market after four straight weeks of negative pulse estimates, after four straight weeks of losing jobs. This follows the almost unprecedented decline in initial jobless claims last week (which some have argued was impacted by Thanksgiving Week irregularities). Source: zerohedge.com https://twitter.com/profstonge/status/1998369537851346975?s=20   “degraded” products that nobody wanted, a terrible idea that slowed Innovation, and hurt the American Worker. That Era is OVER! We will protect National Security, create American Jobs, and keep America's lead in AI. NVIDIA's U.S. Customers are already moving forward with their incredible, highly advanced Blackwell chips, and soon, Rubin, neither of which are part of this deal. My Administration will always put America FIRST. The Department of Commerce is finalizing the details, and the same approach will apply to AMD, Intel, and other GREAT American Companies. MAKE AMERICA GREAT AGAIN!  Political/Rights https://twitter.com/DHSgov/status/1998069235734520159?s=20  putting American lives at risk. There are another 4,015 aliens in the custody of an Illinois jurisdiction that ICE is seeking to arrest. Criminal illegal aliens should not be released back onto our streets to terrorize more innocent Americans. https://twitter.com/EricLDaugh/status/1998407499884511706?s=20 https://twitter.com/FBIDirectorKash/status/1998416601050161442?s=20 https://twitter.com/FBIDDBongino/status/1998135848546746381?s=20  daily to dismantle the network and all those criminal actors associated with it. https://twitter.com/EricLDaugh/status/1998400657217257829?s=20 DOGE https://twitter.com/EricLDaugh/status/1998127452195852468?s=20   don’t see how they can do that!” “I’ll speak about it later. I’ll get a FULL report on it.” “Europe has to be VERY careful…Europe is going in some BAD directions.” @ElonMusk will win this! Geopolitical https://twitter.com/PM_ViktorOrban/status/1998044051203928212?s=20  Hungary will not implement the measures of the Migration Pact. The rebellion begins! War/Peace https://twitter.com/Rasmussen_Poll/status/1998163342465306883?s=20 https://twitter.com/MarioNawfal/status/1998082649425125715?s=20  amid uncertainty about future U.S. involvement. Zelensky met with Macron, Merz, and Starmer to align Europe's position on Ukraine peace talks. The message? If the U.S. steps back, Europe is ready to step up. Macron spoke of “convergence” between Europe, Ukraine, and the U.S., code for: we're not waiting for Trump. Starmer promised “a just and lasting settlement.” Merz framed Ukraine's future as “the destiny of Europe.” This isn't just about Ukraine anymore, it's about Europe's ability to act without Washington.aa the subtext is clear: Europe knows Trump may walk away, and they're preparing for it. Ukraine is only part of the equation, the real test is whether Europe can act without Washington. For the first time since 2022, the center of gravity on Ukraine is shifting eastward, to Paris, Berlin, and London. If Trump wins, the burden of leadership falls on Europe. Today may have been the first test of whether it’s ready https://twitter.com/BRICSinfo/status/1998299398456131611?s=20 What’s The Likelihood Of A NATO-Russian Non-Aggression Pact? Putin recently proposed providing Europe, the majority of whose countries are part of NATO, with formal guarantees that it won't attack. In connection with this, he also assessed that those who fearmonger about Russia are serving the interests of the military-industrial complex and/or trying to bolster their domestic image, which exposed their ulterior motives. In any case, his proposal could hypothetically lead to a NATO-Russian Non-Aggression Pact (NRNAP), but only if the political will exists on both sides Source: zerohedge.com  https://twitter.com/TheOtherSideRu/status/1998356606119981155?s=20   it's not a democracy anymore” https://twitter.com/visegrad24/status/1998356214384611652?s=20   hold an election, but I would think the Ukrainian people should have that choice. And maybe Zelensky would win. But they haven't had an election in a long time. They talk about a democracy, but it gets to a point where it's not a democracy anymore,” Donald Trump said. As of December 2025, Ukrainian President Volodymyr Zelenskyy’s approval (or trust) rating in Ukraine has reportedly plummeted due to a major corruption scandal involving leaked “Mindich tapes” tied to his inner circle and energy sector graft. Multiple sources, including Ukrainian media and lawmakers, indicate the rating has dropped by about 40 percentage points in a single week, now sitting at or below 20-25%. Medical/False Flags [DS] Agenda https://twitter.com/libsoftiktok/status/1998187351026348280?s=20 WATCH: Crockett Launches Senate Campaign By Posting Bizarre Compilation of Trump Repeatedly Calling Her ‘Low IQ' FBI Agents Sue Kash Patel After Being Fired Over BLM Support — Claim Kneeling ‘Saved American Lives'   The FBI agents who kneeled during the George Floyd BLM riots were fired on Friday by the FBI. A group of former FBI agents has filed a lawsuit against Director Kash Patel and the federal government after being fired for supporting the Black Lives Matter movement. The dozen agents complained that almost immediately upon becoming director of the bureau, Patel began working to terminate all agents who had kneeled in support of the movement. The lawsuit also claims the agents would not have been fired had they had the same perceived political affiliations as those involved in the January 6th protests. Source: thegatewaypundit.com The FBI, as a U.S. federal law enforcement agency under the Department of Justice (DOJ), is required to maintain political neutrality and impartiality in its operations and public actions. It does not take official political stands or engage in activism, as its mission focuses on enforcing federal laws without partisan bias. Individual FBI employees (including agents) are subject to strict restrictions under the Hatch Act, which prohibits most forms of partisan political activity to ensure a neutral federal workforce. FBI personnel are classified as “further restricted” employees, meaning they face additional limitations compared to most other federal workers. Key Prohibitions for FBI EmployeesThese apply at all times (on or off duty) unless otherwise noted, with the goal of preventing any appearance of political influence or coercion: Taking a partisan political stand: They may not endorse or oppose candidates for partisan office or political parties in advertisements, broadcasts, campaign literature, speeches at partisan events, or similar materials if done in coordination with a candidate, party, or partisan group.     Pushing partisan activism: Active participation in partisan political management or campaigns is banned, including organizing rallies/caucuses, promoting/selling tickets to fundraising events, addressing partisan gatherings in support of/opposition to candidates, or driving voters to polls in coordination with partisan entities. They cannot use their official authority to interfere with elections or solicit/discourage political activity from individuals with business before the DOJ/FBI. Permitted Activities for FBI EmployeesWhile heavily restricted, some non-active or non-partisan actions are allowed, primarily off-duty: . https://twitter.com/amuse/status/1998131089542713808?s=20   million in fees from Fani Willis's office after she was disqualified for an improper relationship with a special prosecutor. The Georgia Supreme Court removed her permanently in September, opening the door for all 19 defendants to file similar reimbursement claims. The total cost could dwarf Trump's alone and stands as a humiliating rebuke of Willis's partisan prosecution. The blowback is now financial as well as legal. https://twitter.com/MarioNawfal/status/1998354564790284308?s=20 notice. 18 of them are still actively covered. September 2025. Monthly payout: over $10,000. GAO’s just…monitoring them. Because apparently nobody at HHS has. No SSN? Fine. No proof of citizenship? Whatever. No income documentation? Come on in. GAO literally wrote in their report: “[We] did not provide documentation yet received coverage.” They’re not even hiding it – they got benefits with nothing. The system just said yes. Now check the real-world damage. In 2023, 29,000 Social Security numbers somehow got used for multiple full-year coverage plans. By 2024? That jumped to 68,000. Someone’s running the same number through the machine twice, three times, however many times it takes, and the alarms aren’t going off. Then there’s the $94 million that went to dead people in 2023. Not “accounts tied to people who died recently and the paperwork hasn’t caught up” – straight up deceased recipients. Death certificates filed, funerals held, checks still clearing. But here’s the really wild part: GAO tried to track $21 billion in subsidies from 2023 back to actual Social Security numbers. Couldn’t do it. 21 billion dollars just floating out there with no clear connection to who’s supposed to be getting it. The system allows multiple enrollments per SSN “to help ensure actual SSN-holder can enroll in cases of identity theft or data entry errors.” In other words: we built in workarounds so generous that fraud looks identical to legitimate use. Now Congress is fighting over whether to extend these enhanced COVID subsidies past December 31. Cost to keep them? $30 billion annually. 24 million people enrolled, over 90% getting subsidies. Without extension, premiums spike overnight and 22 million people might lose coverage. Republicans looking at GAO’s findings saying: this is exactly why we shouldn’t pour another $30B into a system that can’t tell fake accounts from real ones. Democrats saying: you’re going to kick 22 million people off insurance because less than 1% is fraud? Both sides kinda have a point. Yeah, the fraud’s under 1% of total enrollees. But when you’re burning $30B yearly and literally cannot verify where $21B went, “less than 1%” stops sounding so minor. Senate vote coming this week. Expected to fail. Which means scramble for short-term extension, fight continues into 2026 budget battles, and absolutely nothing changes about fraud controls. Because here’s what nobody wants to say out loud: the system isn’t designed to catch fraud. It’s designed to maximize enrollment. When your mandate is “get people covered,” asking too many questions becomes the enemy. Verification slows things down. Documentation creates barriers. Better to let a few fake accounts slip through than risk denying real people who need coverage. So GAO’s 18 fictional enrollees will keep collecting their $10K monthly until someone at HHS manually shuts them down. Which requires someone at HHS to actually read GAO reports. Which requires someone at HHS to care more about fraud than enrollment numbers. Don’t hold your breath. By next year, GAO will run the same test. Find the same results. Write the same warnings. And Congress will have the same fight about whether feeding money into a system that can’t track where it goes is compassionate policy or expensive theater. Meanwhile, somewhere in America, a completely imaginary person just got their subsidized premium renewed for 2026. https://twitter.com/chad_mizelle/status/1998194850324222006?s=20  clown show. Ignore him. In the meantime, Congress needs to start acting like a co-equal branch and initiate its own inquiry into Boasberg. President Trump's Plan Alina Habba Resigns as U.S. Attorney for New Jersey After Courts Rule Against Her Appointment Alina Habba, President Donald Trump's pick to serve as U.S. attorney for New Jersey, has resigned from her role following a federal court's ruling to uphold a lower court's decision that she was not “lawfully” appointed to the office. The news was announced Monday by U.S. Attorney General Pam Bondi, who said she was “saddened to accept Alina's resignation”: https://twitter.com/AGPamBondi/status/1998102734680318084?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1998102734680318084%7Ctwgr%5E61a3e334e8e6099ea26f7cf5005134be5bf746cd%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.breitbart.com%2Ft%2Fassets%2Fhtml%2Ftweet-5.html1998102734680318084 Habba intends to return to the U.S. attorney's office if that occurs, Bondi added, noting that she will be continuing with the DOJ as a senior advisor. Source: breitbart.com Do Not Mistake Compliance For Surrender” – Alina Habba Steps Down As Acting US Attorney For New Jersey    Habba's statement Monday said “do not mistake compliance for surrender”. https://twitter.com/AlinaHabba/status/1998101999024550125?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1998101999024550125%7Ctwgr%5Ec3b83e0f57525961eabb9975a6e4dab69d0d73c0%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.zerohedge.com%2Fpolitical%2Fdo-not-mistake-compliance-surrender-alina-habba-steps-down-acting-us-attorney-new-jersey Source: zerohedge.com https://twitter.com/JoeLang51440671/status/1998202248636072142?s=20  Ketanji Brown Jackson claimed the president should have no power to fire expert bureaucrats. She said economists, PhDs, scientists, & transportation officials should operate beyond presidential reach. Such a view would carve the heart out of Article II & cement rule by permanent insiders rather than elected leadership. Jackson's theory elevates the deep state over the voters who choose a president. That is a constitutional revolution in plain sight. https://twitter.com/AwakenedOutlaw/status/1998116399190036973?s=20   Furthermore, the same logic would apply to the Federal Reserve, IMO. In fact, that’s almost certainly where this is going. Justice Kavanaugh: “I want to give you a chance to deal with the hard hypothetical. When both Houses of Congress and the President are controlled by the same party, they create a lot of these independent agencies or extend some of the current independent agencies into these kinds of situations so as to thwart future Presidents of the opposite party https://twitter.com/nayibbukele/status/1894547479367938142?s=20 https://twitter.com/Rothbard1776/status/1998162884455522528?s=20 https://twitter.com/MJTruthUltra/status/1998149963835191541?s=20 https://twitter.com/EricLDaugh/status/1998129151857848575?s=20   where you have Dem Senators, they won’t approve him! This gentlemen’s agreement [blue slip] has lasted TOO LONG. It means you can’t appoint a GOP US Attorney!” “In VA, NJ, CA, a US Attorney or judge…the only people you can get by are Democrats because they put a HOLD ON IT!” “It only takes one senator! If they are Democrat, they won’t approve it.” “All because GRASSLEY with his BLUE SLIP stuff won’t let anybody go by! And by the way, Democrats have violated blue slip!” Susie Wiles: Trump Will Campaign for 2026 Midterms ‘Like It's 2024 Again' White House Chief of Staff Susie Wiles revealed that President Donald Trump will get out and “campaign like it's 2024 again” for the 2026 midterm elections. Wiles went on to explain that “in the midterms, it's not about who's sitting at the White House,” but about localizing the election and keeping “the federal officials out of it.” “We're actually going to turn that on its head,” Wiles shared. “And, put him on the ballot because so many of those low propensity voters are Trump voters. And, we saw, a week ago Tuesday, what happens when he's not on the ballot and not active. So, I haven't quite broken it to him yet, but he's going to campaign like it's 2024 again.” Source: breitbart.com (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:13499335648425062,size:[0, 0],id:"ld-7164-1323"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="//cdn2.customads.co/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");

Independent investigative journalism, broadcasting, trouble-making and muckraking with Brad Friedman of BradBlog.com

Social Security advice is often not what it seems. Will the Fed cut rates this week, 401(k) millionaires double and young 'uns are investing. Plus Vanguard joins the annuity push in 401(k) plans and gift cards go unused as often as not.

New tax laws are on the horizon—and they could significantly influence the way you give. The recently passed One Big, Beautiful Bill Act (often shortened to the OBBBA) introduces several changes that affect charitable givers today and in the years to come. To help unpack these shifts, we sat down with Bruce McKee, attorney and Senior Vice President of Complex Gifts at the National Christian Foundation (NCF).What the OBBBA Actually DoesDespite its cheerful name, the OBBBA carries serious implications for donors. Bruce explains that the bill makes permanent many provisions that were originally scheduled to expire at the end of 2025 under the 2017 Tax Cuts and Jobs Act. Key extensions include:Higher standard deductionsHigher estate tax exclusionsNew deduction floors for charitable giftsA new limit on itemized deductionsExtended business deductionsUpdated rules for university endowment taxesThese changes will affect different givers differently, but nearly everyone will feel the impact of the new standard deduction.The Standard Deduction Gets Bigger—AgainThis update alone affects roughly 90% of taxpayers.The OBBBA permanently extends the increased standard deduction and even boosts it for the 2025 tax year:Individuals: $15,750Married couples filing jointly: $31,500Because the standard deduction is now higher, fewer people will itemize. And when giving is lumped under the standard deduction, charitable gifts are no longer deductible.But there's a powerful workaround.If you want to maximize your tax benefits while maintaining your giving rhythms, “bunching” can help. Bunching means:Grouping several years' worth of charitable gifts into a single tax yearItemizing in that year, instead of taking the standard deductionUsing a donor-advised fund (DAF)—such as an NCF Giving Fund—to distribute gifts gradually over future yearsA giving fund works like a charitable checking account—a powerful tool for strategic, tax-efficient generosity. Bunching is especially impactful when paired with gifts of appreciated assets.New Charitable Deduction Floors Coming in 2026Beginning in 2026, charitable deductions will include a “floor”—a small portion of giving that won't be deductible at all.For IndividualsOnly the amount of charitable giving above 0.5% of your Adjusted Gross Income (AGI) will be deductible. Here's an example:AGI = $200,0000.5% floor = $1,000Whether you give $20,000 or $40,000, the first $1,000 is not deductible.For CorporationsA similar rule applies, but the floor is 1% of taxable income.Why This MattersThis floor means that givers with large AGIs—especially in high-income years—should consider giving earlier, before 2026 arrives. Strategic timing will matter more than ever.Even high-capacity donors who itemize may benefit from bunching in alternating years.New Limits on Itemized DeductionsThe OBBBA also introduces a “haircut” affecting all itemized deductions—not just charitable ones.Because the highest tax bracket (37%) is now permanent, itemized deductions typically reduce income taxed at that rate. But beginning in 2026:Deductions in the highest bracket will be valued at 35 cents per dollar, not 37.It's a relatively small shift, but it slightly increases tax liability and adds another layer of planning complexity. Once again, Bruce recommends intentionally reviewing giving strategies before the 2025 year closes.Estate and Gift Tax Exclusions: Higher and More StableThe OBBBA also stabilizes estate planning by raising the estate and gift tax exemption to:$15 million per individual$30 million for married couplesThese thresholds—once set to sunset back to near half—are now permanent (as permanent as tax law can be). This gives families greater clarity as they plan inheritances and consider charitable tools like trusts or family foundations.When people settle their estate planning, it often helps them focus their hearts on where God is calling them to give—what Ron Blue usually describes as “giving while you're living so you're knowing where it's going.”Good News for Non-Itemizers: The Above-the-Line Charitable Deduction ReturnsBeginning soon, non-itemizers will be able to deduct modest charitable amounts:$1,000 for individuals$2,000 for married couples filing jointlyThis applies to cash gifts made to churches and public charities. It's a welcome incentive for households that rely on the standard deduction.Navigating Change with WisdomThe tax landscape may shift, but God's call to generosity never does. Thoughtful planning ensures you can give joyfully, efficiently, and impactfully.If you want to steward God's resources with greater intentionality, a Giving Fund through the National Christian Foundation can help you:Maximize tax benefitsSimplify your givingSupport ministries you loveInvest funds for future generosityYou can open one in just a few minutes at FaithFi.com/NCF.On Today's Program, Rob Answers Listener Questions:My husband and I are turning 68 and need to move from our two-story home into a one-story house. We're considering new construction, but we'd either need a small mortgage or withdraw $50–60,000 from our 401(k). Our income is stable—he gets $3,000 from Social Security, and I make about $2,000. We manage fine month to month. Which option makes more sense?I'm 73, single, living on Social Security with excellent credit and no debt besides a small monthly charge card. I'm looking into either a HELOC or another home-equity option so I can access some of my home's value to help others before I pass away. What's the best way to proceed?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)The National Christian Foundation (NCF) Movement MortgageWisdom 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.

Nick Hopwood, Certified Financial Planner and founder of Peak Wealth Management, joins The Steve Gruber Show for a no-nonsense discussion on taking control of your finances, NO LAZY MONEY allowed. Nick breaks down what to expect from this week's Federal Reserve meeting, and weighs in on the Wall Street Journal article suggesting people take Social Security at 62 and invest it. The conversation also gets personal and practical: Nick shares a humorous story about why his kid will never be allowed to order DoorDash again, and calls out the rise of TikTok “money influencers” misleading millions about 401(k)s and retirement planning. Visit peakwm.com/gruber for a free Social Security analysis!

Paying for college is one of the biggest financial shocks families face — not just because tuition keeps rising, but because the decisions parents make in the moment can have an outsized effect on their own financial future. Most people think college planning is about saving early, opening a 529, and hoping the FAFSA works out in their favor. But as college funding strategist Brian Eyster explains, the system is far more complex, and the consequences of getting it wrong often show up decades later… in retirement.Brian joins Matt to break down the hidden rules of college-saving — the ones most parents never hear until it's too late. In this episode, Brian reveals why traditional advice often falls short, how to legally reduce what colleges expect you to pay, and using tools like home equity, cash flow, and even student loans strategically so you protect your long-term financial health.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.

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In Part 2 of A New Contract With America, Professor Nick Giordano delivers a hard-hitting breakdown of two issues Washington refuses to touch. He exposes the truth about Social Security and Medicare insolvency and lays out real conservative solutions that protect every senior while empowering future generations with wealth and independence. He then turns to immigration and dismantles the myths surrounding border security. Professor Giordano explains how to permanently end illegal immigration and build a simplified, merit based legal system that strengthens America instead of weakening it. This episode continues the blueprint for restoring national sovereignty, fiscal responsibility, and the American spirit. Episode Highlights How to save Social Security and Medicare from collapse without cutting benefits for current retirees. The permanent immigration reforms needed to secure the border and build a merit-based legal system that serves America's interests. Why real reform requires courage, truth, and a new vision for American strength and self-reliance.

Deciding when to claim Social Security is one of the most important retirement choices you'll make, but most people approach it the wrong way. They pick an age early, cling to it for years, and assume the “best” decision never changes. In reality, the right claiming strategy shifts as your life shifts: your spouse's benefit, your health, your spending, your tax plan, and even how much joy you're getting out of retirement all matter far more than a hard rule.In this episode, Ari explains why Social Security should never be treated as a one-time, set-it-and-forget-it decision. Through real client stories, a behind-the-scenes look at how Roth conversions, RMDs, and retirement income interact, and a simple framework that fits any household, this conversation reframes the entire question. Sometimes delaying boosts long-term security. Sometimes taking it early frees up your cash flow for meaningful years. And in many cases, the “optimal” age changes as your plan changes.If you've been wondering when to claim Social Security, how it fits into Roth IRA conversions, what it means for your surviving spouse, or how to build a flexible retirement income plan, this episode gives you clarity without the jargon and confidence without the fear.-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.

Most people focus on saving for retirement, but what happens when you actually get there? Retirement isn't just about having enough money—it's about managing risks that can threaten your financial security and lifestyle.  In this episode, we explore Five Key Retirement Challenges (and Solutions), inspired by a Kiplinger's Personal Finance article by Walt West. From unexpected market downturns to rising healthcare costs, these challenges can catch retirees off guard if they're not prepared. We break down each challenge—financial instability, healthcare expenses, taxes, inflation, and estate planning oversights—and discuss practical strategies to navigate them. Learn how to structure a flexible withdrawal plan, prepare for long-term care costs, use tax-efficient strategies like Roth conversions, and ensure your estate plan protects your loved ones.  Plus, we tackle a listener question about using a MIGA ladder strategy to bridge the gap until Social Security—offering insights into the pros and cons of annuities in a retirement portfolio. If you want to retire with confidence and avoid costly missteps, this episode is a must-listen. Whether you're years away from retirement or already in it, understanding these key challenges and their solutions can help you make smarter financial decisions for the road ahead. Resources & People Mentioned The Retirement Podcast Network Kiplinger's Personal Finance "Five Key Retirement Challenges" by Walt West Fidelity's Healthcare in Retirement Report 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  

Join Lionel as he tackles the critical question: How do we get people to pay attention to what's going on?. We stress that precision matters, drawing a sharp distinction between Islam, a peaceful religion practiced worldwide, and Islamism, a political ideology focused on dominance and replacing secular institutions. Listeners calls spark fiery debates about the merits of capitalism, the nature of socialism (is Social Security a form of it?), and whether welfare is designed to help or hold people down. The discussion escalates into controversial territory, addressing calls for forced sterilization of welfare recipients and establishing minimum IQs for having children, triggering historical warnings against eugenics and the infamous Supreme Court decision Buck against Bell. Plus, a deep dive into the George Floyd controversy, challenging the official cause of death and arguing that evidence supporting reasonable doubt was improperly excluded from the trial. Lionel explores the role of police training, civilian compliance, and the "assumption of risk" involved when resisting arrest. Learn more about your ad choices. Visit megaphone.fm/adchoices

Gear up, patriots—@intheMatrixxx and @shadygrooove blast into Season 7, Episode 232, "Trump's Tippy Top Kennedy Honors; J6 Pipe Bomber Arrested; Fuentes Bots Exposed; Minnesota Somali Fraud; Censorship Wars Rage," celebrating President Trump's triumphant overhaul of the Kennedy Center Honors with icons like Sylvester Stallone and KISS, spotlighting his "tippy top" quip from the Dec. 6 speech as a loud-and-clear signal echoing intel proofs while slamming MSM gripes over renovations. They drop hard evidence on the FBI's arrest of 30-year-old Brian Cole Jr. for the Jan. 6 pipe bombs—cell pings, credit-card buys for pipes and timers—torching doubters who cry "setup" amid his rigged-election beliefs, then expose Nick Fuentes' artificial social media boost via 92% anonymous-bot retweets tied to foreign networks fracturing MAGA. Hammering Tim Walz's Minnesota as a fraud epicenter with over $1 billion siphoned in Somali-linked schemes while ICE targets criminals, they rail against brutal shadowbanning across platforms—even Rumble—and issue an urgent cash plea after cancellations, needing $12,500 monthly to survive past February, with live donor shouts and Trump praise for border wins, Social Security fixes, and Monroe Doctrine revival. Toss in Qed Up's betrayal branding fans a "cult," tech glitches, chilling economic collapse readings, and Christmas parody jams like "Jingle Deport"—this is unyielding warfare against globalist spin. The truth is learned, never told—the constitution is your weapon. Tune in at noon-0-five Eastern LIVE to stand with Trump! Trump tippy top, Kennedy Center Honors, J6 pipe bomber, Brian Cole Jr arrest, Nick Fuentes bots, Minnesota Somali fraud, Tim Walz scandal, censorship shadowban, MG Show financial plea, America First, Monroe Doctrine, @intheMatrixxx, @shadygrooove, intel proofs mgshow_s7e232_trump_tippy_top_kennedy_honors_j6_pipe_bomber_fuentes_bots_minnesota_fraud_censorship 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 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 Follow us on X: @intheMatrixxx https://x.com/inthematrixxx @ShadyGrooove https://x.com/shadygrooove Follow us on YouTube: MG Show (intheMatrixxx) https://youtube.com/c/inthematrixxx ShadyGrooove https://www.youtube.com/c/TruthForFreedom 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 Intermission Music Lemurian Shores (with Lucentia) (~432 Hz) by Spheriá | https://soundcloud.com/spheriamusic Music promoted by https://www.chosic.com/free-music/all/ Creative Commons CC BY-SA 3.0 https://creativecommons.org/licenses/by-sa/3.0/

Most retirement advice quietly assumes you have a partner: two incomes, two Social Security checks, someone to split expenses with, someone to catch the slack if something goes wrong. But for singles, the margins are tighter and the freedom can be much greater. Planning alone means every decision carries more weight, but it also means you have full control over the life you want to build.This video centers on Tina, a 62-year-old single woman with roughly $2.2 million across investment accounts, employer stock, a 401(k), and a Roth IRA. Her situation highlights something many single retirees face: the rules for married couples don't apply. There's no second Social Security benefit, no shared expenses, no fallback income — just her plan, her goals, her decisions. Once her “freedom number” becomes clear, the entire plan shifts. Reliable income fills part of the picture, but the rest depends on how her portfolio supports the exact life she wants to live. Simple choices — retiring sooner, traveling more, inviting friends on those trips, or designing a lifestyle that actually reflects what matters — completely change her projections and expand what's possible.The heart of this conversation isn't about budgets or perfect withdrawal rates. It's about giving singles permission to build lives that match their values, not someone else's template. When the numbers align with the life you want, confidence follows naturally.If this perspective helps you rethink how retirement looks when it's just you, tap like and share what resonated. Your retirement doesn't need to look like anyone else's, it just needs to support the version of life that feels right to you.-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!

Send us a textOn this episode, we welcome Lucretia Ryan back to the show! Raised by educators in NYC, Lucretia has a heart for teachers and providing her expertise and free resources.  With recent changes, SS is now on the table for ALL teachers, even if you don't pay into it as an educator. Have you paid into it in the past? Should you get your 40 quarters to get SOMETHING? Lucretia Ryan is the founder of FinancialFreedomforWomen.org. She is a financial writer, educator, and philanthropist. After graduating from Cornell University and spending her career at IBM, Lucretia is now helping women to gain financial independence. Her goal is to simplify complex saving and investment decisions to help women make financial decisions that are in their best interest.Because Lucretia does not accept any fees, commissions, advertising, or donations or sell any financial products, she is able to expose the hidden fees and financial traps and help women avoid being taken in by financial predators. She conducts pro-bono, one-on-one retirement optimization workshops for women so they can understand their retirement options and make educated financial decisions. She teaches “Financial Literacy” and “Medicare: What the Insurance Companies Won't Tell You”. https://www.financialfreedomforwomen.org/

This week's episode of Investing Simplified, hosted by Matt Sudol and Matt Mai of Price Financial Group, focused on the evolving landscape of interest rates, inflation, and their impact on personal finance as we approach the end of the year. The discussion emphasized the importance of reviewing cash holdings, savings rates, and mortgage options amid recent Federal Reserve rate cuts and volatile treasury yields. Matt and Matt explained how short-term interest rates have dropped more significantly than long-term rates, influencing products like money markets and CDs. They also highlighted the necessity of maintaining adequate emergency funds and actively checking the competitiveness of rates offered by banks, especially as mortgage rates and housing prices remain elevated.The show also dedicated time to retirement income planning, breaking down the five main sources: Social Security, pensions, IRA or 401(k) withdrawals, taxable brokerage income, and rental or business income. Strategies for maximizing benefits and making tax-efficient decisions—such as timing Social Security claims and considering qualified charitable distributions for required minimum IRA withdrawals—were discussed. Both Matt Sudol and Matt Mai reminded listeners of the importance of early planning, consulting qualified professionals, and taking advantage of complimentary consultations available.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

Jim and Chris discuss listener questions on Social Security family maximum and suspending benefits, a listener PSA on IRMAA premiums, a listener PSA on Medicare premiums, a listener PSA on Social Security claiming strategies, Roth contribution rules, and Roth conversion disadvantages.(4:30) George asks how the combined family maximum benefit works when two retirement records are combined to increase the family limit for auxiliary benefits paid to a spouse and two minor children.(16:00) A listener asks what additional factors should be considered when suspending a Social Security benefit at full retirement age and restarting at 70 after previously claiming early.(30:15) The guys share a PSA in which a listener states that IRMAA is a premium rather than a tax because Medicare enrollment is optional.(37:45) Georgette shares her objections to Chris describing the base Medicare premium as “free” and explains why she feels that is misleading.(44:30) A listener offers a couple of PSAs, first sharing their thoughts on Nokbox, then sharing an article on a Social Security claiming strategy they believe could help people concerned about sequence of returns.(51:00) The guys answer a question about how a 529-to-Roth IRA transfer affects the annual Roth contribution limit when part of the rollover is gains.(56:30) Jim and Chris address what disadvantages exist when choosing a Roth conversion instead of a non-RMD IRA withdrawal when both would be taxable. Show Notes: NokBox Social Security | Readjust your claiming strategy | Fidelity The post Social Security, IRMAA, Medicare, Roth Contribution Rules, Roth Conversions: Q&A #2549 appeared first on The Retirement and IRA Show.

Your client's Medicare Beneficiary Identifier is an important piece of the enrollment application. Discover the multiple ways for a client to locate their MBI and why it's important.   Read the text version  

On this episode of Your Retirement Highway, Matthew Allgeyer and Kyle Jones kick things off with a relatable holiday confession—sometimes, even the best financial plans can get derailed by irresistible stuffing and family feasts. But that's just the beginning! As the conversation shifts gears, our hosts tackle one of the hottest topics on every retiree's mind: how to keep your hard-earned money safe when the market starts acting up.Curious about alternatives to bank CDs and worried about roller-coaster interest rates? Matthew and Kyle pull back the curtain on multi-year guarantee annuities (MYGAs), debunking myths and sharing strategies that could give your portfolio a little extra insulation when uncertainty hits. Whether you're approaching retirement or just want to stash some cash away from Wall Street's wild ride, tune in to find out why a well-timed detour could be the smartest move you make all year.Join Matthew Allgeyer and Kyle Jones as they dive into the crucial issues shaping your retirement. In this episode of Your Retirement Highway, our hosts discuss a key retirement topic, sharing expert advice, actionable strategies, and experiences that matter. From taxes and Social Security to long-term care and market volatility, they cover what you need to know to chart your retirement course with clarity and confidence.

Most retirees want to spend as much as they can without having to worry about running out of money. Morningstar's State of Retirement Income research analyzes retirement spending strategies to determine the highest safe starting withdrawal rate for new retirees in 2026. Christine Benz, Morningstar's director of personal finance and retirement planning and co-host of The Long View podcast, breaks down the research and shares some ideas about how you can boost your retirement spending.What's a Safe Retirement Withdrawal Rate for 2026?On this episode:00:00:00 Welcome00:00:46 Each year, you and your colleagues producethis really comprehensive research about retirement income. And as part of that research, you try toidentify what a safe withdrawal rate will be for the year ahead. 00:01:59 What is that safe withdrawal percentage, and how did you arrive at that conclusion?00:02:41 The 4% rule often comes up in the conversation around retirement spending. How does that compare to your base case?00:03:30 I know there are some misperceptions about your retirement income research and what that safe withdrawal percentage means. What are they? 00:03:28 So, how should retirees use this research?00:04:51 The safe starting withdrawal rate that you found in your base case might feel a little low for some retirees. Are there other strategies that retirees can use to boost their spending?00:07:02 So, flexible strategies are best suited for retirees that are focused on maximizing their spending. 00:08:52 What kind of retiree would benefit from a more rigid strategy, like the fixed inflation-adjusted spending approach that you use in your base case?00:09:26 How does asset allocation come into play? Would a stock-heavy portfolio support a higher withdrawal rate in retirement?00:10:36 So far, we've focused on portfolio income strategies, but you also looked at nonportfolio income sources like annuities and Social Security. What did you find?00:13:34 It seems like there's some more nuance to the suggestion of delaying Social Security. Can you talk about that? 00:14:50 How about annuities? Can you discuss some of the key considerations that income-centric retirees should bear in mind?00:16:07 Studies have found that retirees don't actually spend the same amount over the course of their retirement. What does actual retirement spending tend to look like, and how might that affect a retiree's plans?00:17:59Let's talk about some scenarios that can throw off a retiree's plan. One might be a market downturn early in retirement. What kind of impact could that have on spending? 00:18:56 Another scenario might be retiring earlier than expected. What kind of implications would that have for safe withdrawals?00:20:26 What is one final takeaway from the research that you want retirees to come away with?  Watch more from Morningstar:How ETFs Help You Cut Your Tax BillTax-Loss Harvesting Isn't Just for Downturns. Here's WhyBond ETFs Are Surging in Popularity in 2025. Here Are 5 of the Best Follow Morningstar on social:Facebook https://www.facebook.com/MorningstarInc/X https://x.com/MorningstarIncInstagram https://www.instagram.com/morningstarinc/?hl=enLinkedIn https://www.linkedin.com/company/morningstar/posts/?feedView=all Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Tripp Limehouse discusses the evolving challenges retirees face today, including inflation, healthcare costs, and longevity risk. He emphasizes the importance of proactive planning, understanding spending needs, and the necessity of a solid income strategy to ensure a comfortable retirement. The conversation also covers the significance of social security planning and estate planning essentials, providing listeners with actionable insights to navigate their retirement journey effectively. Visit Limehouse Financial to learn more. Call 800-940-6979See omnystudio.com/listener for privacy information.

AP's Lisa Dwyer reports on plans to cut in person Social Security visits.

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

Today's show is WILD. Candace Owens vs TPUSA is spiraling, creators are predicting a full-on disaster, and Tim Pool says this could blow up the GOP.We also break down Frank Turek's rant, Trump roasting Ilhan Omar and calling out Mayor Frey, plus massive failures inside Social Security. Then — FDA “black box” warnings, Mike Lindell running for MN governor, Coleman Hughes explaining the Fuentes strategy, and Bella Hadid complaining about her privilege.SUPPORT OUR SPONSORS TO SUPPORT OUR SHOW!Whatever fall throws at you, make sure you're prepared—visit https://ReadyWise.com and use code CHICKS10 for 10% off your order today!Fill the nutrient gaps in your diet with Bioactive Multi from HealthyCell. Visit https://Healthycell.com/Chicks and use promo code CHICKS to save 20% on your first order.Save 15% off and stay seven times warmer this winter with Heat Holders at https://HeatHolders.com with code CHICKS—plus get free shipping on orders over $25!Nobody wants to deal with being sick during the holidays, get ready now with All Family Pharmacy.  Use promo code CHICKS10 to save 10% off your order at https://AllFamilyPharmacy.com/ChicksSubscribe and stay tuned for new episodes every weekday!Follow us here for more daily clips, updates, and commentary:YoutubeFacebookInstagramTikTokXLocalsMore Info

Join Jim and Greg for the Thursday 3 Martini Lunch as they break down President Trump rolling back Joe Biden's fuel-economy mandates on automakers, a stunning new report on widespread Obamacare fraud, and Gov. Gavin Newsom's push to tax former California residents to plug his state's massive budget deficit.First, they applaud President Trump for scrapping the Biden administration's burdensome fuel-economy standards. The move will likely lower costs and will almost certainly save lives. Jim and Greg unload on Democrats who want to limit our choices on the vehicles we drive and in other areas of life.Next, they groan as a Government Accountability Office (GAO) report shows that the government accepted 100 percent of fraudulent Obamacare exchange applications that the GAO submitted as part of its investigation. In addition, the actual Obamacare fraud happening in the system is costing taxpayers billions of dollars and much of it happens when applicants use the Social Security numbers of dead people.Finally, they laugh as California Gov. Gavin Newsom attempts to fix his state's budget disaster by taxing people who have already moved away. Jim turns to a classic song to underscore how absurd the idea is, and he hopes someone sues the state if lawmakers actually pass the plan.Please visit our great sponsors:Give your liver the support it deserves with Dose Daily.  Save 35% on your first month when you subscribe at https://DoseDaily.co/3ML or enter code 3ML at checkout.  For a limited time, try OneSkin for 15% off with code 3ML at https://OneSkin.co/3ML — please support our show and mention we sent you!New episodes every weekday. 

Stay informed about today's highly-searched retirement and financial planning topics in this new episode of the Retire Sooner Podcast with Wes Moss and Christa DiBiase. Gain clear, accessible context on economic trends, retirement rules, portfolio structures, and planning conversations that are shaping long-term decision-making discussions. • Explore how the proposed 50-year mortgage is influencing conversations around affordability, home-equity timelines, and shifting real estate structures. • Recognize how the K-shaped economy reflects differing financial experiences across households and shapes discussions about consumer sentiment and wealth-building patterns. • Clarify how mortgage leverage and ultra-long terms relate to borrowing structures, payoff timelines, and the considerations homeowners may evaluate. • Understand how equal-weighted investing frameworks are designed to help distribute exposure more evenly across sectors to address concentration awareness. • Review how equal-weighted and sector-weighted ETFs and mutual funds structure market exposure and present alternative allocation methodologies. • Assess the factors often discussed when evaluating early Social Security filing, especially when immediate income needs are already met. • Compare modeled scenarios that illustrate how different 401(k) contribution timelines can affect projected balances under various assumptions. • Examine informational considerations for highly compensated employees, including restoration plan structures, tax mechanics, and withdrawal rules. • Weigh the structural differences between W-2 and 1099 income in high-income medical professions, including taxation, liability frameworks, and benefits access. • Explore available approaches for high earners encountering Roth IRA limits, such as after-tax contributions, mega-backdoor Roth structures, and ETF allocation strategies. • Hear listener questions addressing savings habits, employer-plan options, and retirement-plan mechanics discussed in real-world scenarios. • Identify informational steps that may support ongoing awareness throughout different stages of retirement planning. If you want to stay current on the retirement conversations shaping today's financial landscape, listen and subscribe to the Retire Sooner Podcast. Join Wes Moss, Christa DiBiase, and the Retire Sooner community for grounded, ongoing discussions aimed at helping listeners stay informed and intentional about long-term planning. Learn more about your ad choices. Visit megaphone.fm/adchoices

Hour 3 for 12/4/25 Drew and Deacon Chris Kabat discuss America's looming retirement crisis (1:00). Topics: debt (15:55), Social Security (24:53), raising Social Security (30:22), I pulled my money out of the state pension, and made money! (31:53), adjusting retirement age (36:52), technology (38:50), disability (40:14), should I help my sister? She might be homeless (42:52), and Churches should help (47:43). Link: Retirement Crisis

Tara breaks down the nationwide Democrat fraud schemes, from Minnesota's Shmale scandal

Tara breaks down the nationwide Democrat fraud schemes, from Minnesota's Shmale scandal

Join Jim and Greg for the Tuesday 3 Martini Lunch as they dig into Republicans pushing solutions to America's cost-of-living problems, Great Britain scrapping jury trials for many criminal cases, and the approaching implosion of Social Security.First, they applaud Montana Sen. Tim Sheehy for highlighting that the cost of living is too high for many Americans, especially in housing, grocieries, and medical care. In his Wall Street Journal op-ed, Sheehy dismisses Democrats' strategy of pouring more money into every problem and instead calls for deregulation, health-care price transparency, and other market-based reforms.Next, they blast the British government for eliminating jury trials for defendants likely to face three years or less in prison if convicted. The excuse is that there is a huge backlog in British courts. Jim and Greg blast the lefties in the UK for this attack on a fundamental part of western justice and point to ways this change could easily be used to punish political opponents of the current government.Finally, they react to stark projections that Social Security could collapse in just eight years without serious reform. Both parties have ignored the problem for decades. The left will eventually want to raise taxes, and no one will want reduced benefits. Jim says Congress missed a good opportunity to help fix this problem twenty years ago. And he points out one other group to blame for the problem getting so bad.Please visit our great sponsors:Give your liver the support it deserves with Dose Daily.  Save 35% on your first month when you subscribe at https://DoseDaily.co/3ML or enter code 3ML at checkout.  For a limited time, try OneSkin for 15% off with code 3ML at https://OneSkin.co/3ML — please support our show and mention we sent you!

Join Jim and Greg for the Tuesday 3 Martini Lunch as they dig into Republicans pushing solutions to America's cost-of-living problems, Great Britain scrapping jury trials for many criminal cases, and the approaching implosion of Social Security. First, they applaud Montana Sen. Tim Sheehy for highlighting that the cost of living is too high for many […]

Newt talks with Andrew Biggs, senior fellow at the American Enterprise Institute, about the perceived retirement crisis in the United States, arguing that the U.S. retirement system is performing well compared to other developed countries. He highlights that the typical U.S. senior is among the wealthiest globally. Biggs, who has worked on Social Security reform for over 20 years, notes that while surveys indicate a widespread belief in a retirement crisis, actual retirees report financial stability, with only 4% describing their situation as a crisis. Biggs advocates for a reevaluation of Social Security, proposing a shift from focusing solely on solvency to considering structural reforms that better align with current economic realities. He warns that without reform, the Social Security Trust Fund is projected to run out by 2032, necessitating either significant tax increases or benefit cuts. He suggests that a special commission could facilitate necessary reforms, as the regular political process may be inadequate to address the issue effectively.See omnystudio.com/listener for privacy information.