Podcasts about jpmc

One deployment. $87,000 into Roth accounts. Never taxed going in, never taxed coming out — and if you're 25, that grows to roughly $1.5 million by 60 without a dollar of federal income tax. In this solo episode, Spencer Reese breaks down the military mega backdoor Roth: the combat-zone strategy that lets you blow past the normal TSP limit using tax-exempt CZTE pay and the Roth in-plan conversions that became available in January 2026. He walks through the exact myPay percentages, the monthly conversion rhythm, and the mistakes that can lock you out of contributions or cost you the BRS match. Questions Answered What is the combat zone tax exclusion (CZTE), and who qualifies? What's the difference between traditional and Roth contributions? Which two limits make this strategy work — and why doesn't CZTE pay count against the elective deferral limit? How much extra TSP space does a combat zone deployment actually open up? What percentages should you set in myPay? What are the Roth in-plan conversion rules and restrictions? Why convert monthly instead of once at the end of the year? What happens to the taxable portion, and how do you pay those taxes? What if you're only deployed six months? Where do people screw this up? What should you change when you get home? Main Topics Covered The triple tax advantage of CZTE pay: tax-free in, tax-free growth, tax-free out 2026 limits: $24,500 elective deferral vs. the $72,000 annual additions limit Why tax-exempt combat zone pay only counts against the higher limit Worked example on $100,000 base pay: ~24–25% to Roth TSP, ~43% to traditional TSP Roth in-plan conversions — up to 26 per calendar year, $500 minimum, $500 must stay behind The pro rata rule and why monthly sweeps beat one December conversion Stacking Roth IRAs on top: $7,500 single / $15,000 married filing jointly Common mistakes: maxing the Roth TSP early and losing the BRS match, the 92% myPay cap that makes DFAS reject the whole transaction, and letting gains pile up before converting The six-month deployment version — still roughly $74,000 into Roth accounts Turning off the extra contributions once you're back home Deploying next year? Pre-loading traditional contributions to convert at a low rate Resources Mentioned Full article + calculator: https://militarymoneymanual.com/max-tsp-contributions-combat-zone/ — or search "military mega backdoor Roth" CZTE area list: irs.gov TSP contribution rules: tsp.gov (contributions section) TSP in-plan Roth conversion guide How to max your TSP and get the full BRS match Savings Deposit Program (SDP) — guaranteed 10% on $10,000 while deployed Book: The Military Money Manual Advertiser Disclosure: This video may contain links through which we are compensated when you click on or are approved for offers. The information in this video was not provided by any of the companies mentioned, and has not been reviewed, approved, or otherwise endorsed by any of these entities. All opinions, analyses, and recommendations are the author's alone, not those of any bank, credit card issuer, airline, or hotel chain. Military Money Manual may receive compensation from JPMC.  Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 24,000 military servicemembers and military spouses have graduated from the 100% free, Ultimate Military Credit Cards Course available at militarymoneymanual.com/umc3 In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, such as waived annual fees, on elite cards like the Chase Sapphire Reserve® Card. Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3 If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual. Offers may be expired: Offers, rates, fees, and benefits are subject to change and may have ended since this video was published — please verify the current terms on the issuer's official website before applying. Terms apply, and all cards are subject to credit approval. Any comments below are from individual users and are not provided, reviewed, approved, or endorsed by any issuer.

It might be the greatest military discount in history — and most service members are leaving it on the table. In this solo episode, Spencer breaks down how active duty members, Guard and Reserve on 30+ day orders, and military spouses can carry the best premium credit cards on the market and pay $0 in annual fees, thanks to two federal laws. He covers exactly how it works, the optimal order to open cards, how far you can push it in "two-player mode," and the real refund stories — including one veteran who got over $8,000 back. Questions Answered What's the big deal with military annual-fee waivers, and why do the banks do it? Who qualifies as a "covered borrower"? What's the difference between the MLA and the SCRA — and which applies when? How do you check the MLA database before applying? How do you get started, and are you actually ready for this hobby? What's the optimal order to open cards? How far can you take this, and what is "two-player mode"? Which cards are eligible for fee waivers? Are military spouses eligible for their own cards? (Yes.) What if a spouse opened a card before active duty? Will all these cards hurt my credit score? What about business cards? What happens to the annual fees when I leave active duty? Main Topics Covered The two laws that power the waivers: Military Lending Act (MLA) and Servicemembers Civil Relief Act (SCRA) Who's covered: active duty, Guard/Reserve on 30+ day orders, and DEERS-listed spouses MLA's 36% rate cap and why banks just zero out fees instead Treating credit cards like debit cards — the prerequisite for playing Referral bonuses and spouse "two-player mode" A sample card-opening sequence  Stacking recurring benefits across multiple cards (travel credits, Uber Eats, hotel credits, free-night certs) How multiple open cards can actually help your credit score What to do with cards after separating: keep, downgrade, or close Real UMC3 success stories, including large SCRA refunds Resources Mentioned Top card list: militarymoneymanual.com/cards Ultimate Military Credit Cards Course: militarymoneymanual.com/umc3 MLA database check: militarymoneymanual.com/mla-database Episode 215: "Military Spouse Credit Cards: 4 Myths Debunked" with The Military Travelers Instagram: @militarymoneymanual Email: podcast@militarymoneymanual.com For Bilt MLA waivers: support@cardless.com Advertiser Disclosure: This video may contain links through which we are compensated when you click on or are approved for offers. The information in this video was not provided by any of the companies mentioned, and has not been reviewed, approved, or otherwise endorsed by any of these entities. All opinions, analyses, and recommendations are the author's alone, not those of any bank, credit card issuer, airline, or hotel chain. Military Money Manual may receive compensation from JPMC.  Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 24,000 military servicemembers and military spouses have graduated from the 100% free, Ultimate Military Credit Cards Course available at militarymoneymanual.com/umc3 In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, such as waived annual fees, on elite cards like the Chase Sapphire Reserve® Card. Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3 If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual. Offers may be expired: Offers, rates, fees, and benefits are subject to change and may have ended since this video was published — please verify the current terms on the issuer's official website before applying. Terms apply, and all cards are subject to credit approval. Any comments below are from individual users and are not provided, reviewed, approved, or endorsed by any issuer.

The person next to you probably paid less for their seat than you did — and you'll never know it. Spencer talks with Sam Hollander, founder of Autopilot (withautopilot.com), about the overlooked art of saving money after you've already booked. Since U.S. airlines killed change fees, you can claw back cash every time your fare drops and snag last-minute premium-cabin upgrades for a fraction of the sticker price. Sam breaks down how to automate all of it, which tools every points-and-miles traveler should be using, and why free elite upgrades are quietly disappearing in 2026. Questions Asked What is Autopilot, and how does it save travelers money after booking? Are you canceling and rebooking the ticket, or filing a claim for the fare difference? What happens if the price drops multiple times? Does this work on codeshare flights? What do you need to share with Autopilot to get started? Does it work if you book with points or miles? How does the pricing and success-fee model work? How do the upgrade-offer alerts work, and do you recommend a bid amount? Do you need a credit card on file for the free tier? What travel tools are you using besides Autopilot? What's most exciting to you in the travel space right now? In 2026, with airlines selling most premium seats, what actually works to get up front? Where can people find you and follow what you're building? Main Topics Covered How the post-COVID end of change fees created the opening for Autopilot Lowest Fare Guarantee: automatic refunds when your booked fare drops $20+ Automation as a money philosophy — low-cost, automated, diversified, simple Importing trips via Gmail sync, email forwarding, or confirmation code Free tier vs. 25% success fee vs. $9.99/mo Pro plan Upgrade-offer bidding and how to judge whether an upgrade is worth it Why 2026 airlines are pulling back on free elite upgrades Day-of-departure price drops and pricing anomalies (business cheaper than premium economy) Best days to book and fly, and why "book now" beats waiting Building Alaska/Atmos Rewards miles through Bilt Autopilot's new hotel repricing feature Resources Mentioned Autopilot (withautopilot.com) MLA & SCRA fee waivers Google Flights (https://www.google.com/travel/flights) Seats.aero (https://seats.aero/) PointsYeah (https://www.pointsyeah.com/landing) ExpertFlyer (https://www.expertflyer.com/) CardPointers (https://cardpointers.com/) Travel Freely (https://travelfreely.com/) Max Rewards (https://maxrewards.com/) Flighty (https://flighty.com/) Bilt Rewards (https://www.bilt.com/) BofA Atmos Rewards Summit card Sam Hollander on X @samhollander_ https://www.withautopilot.com/ Advertiser Disclosure: This video may contain links through which we are compensated when you click on or are approved for offers. The information in this video was not provided by any of the companies mentioned, and has not been reviewed, approved, or otherwise endorsed by any of these entities. All opinions, analyses, and recommendations are the author's alone, not those of any bank, credit card issuer, airline, or hotel chain. Military Money Manual may receive compensation from JPMC.  Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 24,000 military servicemembers and military spouses have graduated from the 100% free, Ultimate Military Credit Cards Course available at militarymoneymanual.com/umc3 In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, such as waived annual fees, on elite cards like the Chase Sapphire Reserve® Card. Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3 If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual. Offers may be expired: Offers, rates, fees, and benefits are subject to change and may have ended since this video was published — please verify the current terms on the issuer's official website before applying. Terms apply, and all cards are subject to credit approval. Any comments below are from individual users and are not provided, reviewed, approved, or endorsed by any issuer.

Advertiser Disclosure: This video may contain links through which we are compensated when you click on or are approved for offers. The information in this video was not provided by any of the companies mentioned, and has not been reviewed, approved, or otherwise endorsed by any of these entities. All opinions, analyses, and recommendations are the author's alone, not those of any bank, credit card issuer, airline, or hotel chain. Military Money Manual may receive compensation from JPMC. Spencer joins the Foxhole to talk about something most veteran benefit conversations skip: what happens when you take those benefits outside the United States. A former Air Force C-17 pilot now living in New Zealand, Spencer shares hard-won lessons on collecting VA compensation abroad, navigating overseas healthcare, stretching the GI Bill, and the realities of immigration and quality of life beyond the U.S. border. Topics Covered Spencer's background: Air Force ROTC, flying the C-17 for 10 of 12 active-duty years, and leaving at the 12-year mark without a 20-year pension How militarymoneymanual.com started and the military's unique investing culture The TSP, Roth IRA, and the "triple tax benefit" of contributing while deployed in a combat zone Collecting VA disability compensation anywhere in the world via direct deposit and foreign bank accounts Using the Wise app for low-cost currency conversion and multi-currency accounts (vs. the old daily-ATM-withdrawal trick) The limits of VA healthcare overseas and the frustrations of scheduling from abroad Using AI tools and VA chatbots to help with disability claims (and a caution about predatory claim firms) GI Bill benefits at overseas universities, including OCONUS BAH and host-country student stipends What healthcare actually costs abroad: New Zealand's public/private systems, plus cash-pay care in Thailand, the Philippines, and Vietnam Residency and immigration pathways: EU citizenship by ancestry, New Zealand's investor visa, marriage, the student-visa route, and Germany for retired U.S. military The case for trying before committing: rent an Airbnb and live somewhere for a month or two first Quality of life abroad vs. the U.S. — social safety nets, lower "hustle culture," and Spencer's observations on trust and anxiety back home Resources Mentioned Military Money Manual community app — launching in beta; coming to the Apple App Store and Google Play Instagram — @militarymoneymanual Wise app — currency conversion and multi-currency banking The Military Guide to Early Retirement and Financial Independence by Doug Nordman The Military Wallet by Ryan Guina The Golden Albatross by Grumpus Maximus — on evaluating defined-benefit pension "cliffs" Bogleheads — the simple, low-cost, automated investing philosophy Spencer follows va.gov and the VA mobile app — for tracking claims and updating your address GI Bill — Chapter 33 vs. Chapter 35 considerations for overseas study TSP, Roth IRA, USAA — referenced throughout ACC (Accident Compensation Corporation) — New Zealand's no-fault accident coverage Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 24,000 military servicemembers and military spouses have graduated from the 100% free, Ultimate Military Credit Cards Course available at militarymoneymanual.com/umc3 In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, such as waived annual fees, on elite cards like the Chase Sapphire Reserve® Card. Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3 If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual. Offers may be expired: Offers, rates, fees, and benefits are subject to change and may have ended since this video was published — please verify the current terms on the issuer's official website before applying. Terms apply, and all cards are subject to credit approval. Any comments below are from individual users and are not provided, reviewed, approved, or endorsed by any issuer.

20,000 Dollars, 4 Cards, 400,000 Points. Spencer Reese of the Military Money Manual podcast sits down with Taryn from The Military Travelers to break down how military families can turn PCS moving expenses into free travel — without spending a single extra dollar. From sign-up bonuses to Hyatt Globalist status, this episode is packed with practical strategies for the upcoming PCS season. Topics Covered PCS Season Spending Strategy — Why PCS moves generate $10,000–$20,000+ in spendable expenses and how to redirect that spend to hit credit card sign-up bonuses GTC vs. Personal Cards — The frustrating reality of the Government Travel Card and why (for most branches) personal cards make more sense Branch-Specific Rules — Important caveats for Navy families and other branches regarding on-post lodging forms and card usage policies The Math of Points — Why putting PCS spend on one existing card (like the Amex Platinum at 1X) leaves massive value on the table compared to opening new cards Business Cards for Military Families — How a PPM qualifies you as a sole proprietor, why business cards don't hit your personal credit report, and how the Chase 5/24 rule makes them essential for bigger families Current Elevated Offers — Hot cards highlighted: Chase Sapphire Reserve (150K points), Atmos Summit (100K points + 3X on foreign transactions), United Club, Marriott Brilliant, Hilton Aspire, and Delta Reserve TLE Maximization — Using all 21 days of Temporary Lodging Expense, loyalty numbers, and stacking hotel promos during your move Hyatt Globalist Corporate Challenge — How a .mil email address unlocks Globalist status after 20 nights in 90 days (valid through February 2028) Multiple Cards Strategy — Holding multiple Hilton Aspires and Chase Sapphire Reserves, and the tip to align annual free night certificate expiration dates Military Spouse Eligibility — A reminder that spouses are fully eligible for annual fee waivers under MLA/SCRA Resources Mentioned The Military Travelers — themilitarytravelers.com | Facebook Group: "The Military Travelers" | Instagram: @themilitarytravelers Travel Freely (travelfreely.net) — Zach's beginner's guide to business cards and sole proprietor applications IRS EIN Application — Free Employer Identification Number at irs.gov (2-minute online form) Hyatt Globalist Corporate Challenge — Search "Hyatt Globalist Corporate Challenge" and enroll with a .mil email Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 22,000 military servicemembers and military spouses have graduated from the 100% free, Ultimate Military Credit Cards Course available at militarymoneymanual.com/umc3 Military Money Manual may receive compensation from JPMC. Opinions expressed here are author's alone, not those of any bank, credit card issuer, airlines or hotel chain. If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.

Most new officers will blow their first paycheck on too much car, too much apartment, or too much wedding. Don't be most officers. This episode is your 60-minute shortcut to building wealth, freedom, and financial confidence from the moment you commission. Host Joe Brown of Always Ready Financial Planning sits down with Spencer Reese (Military Money Manual) and Rob Shaye (Institute for Leadership / Fireside Finances) to deliver a financial fast-start guide for newly commissioned officers. The conversation covers everything from compound interest to avoiding the biggest wealth killers in military life — and why getting the basics right early beats chasing shortcuts forever Topics Covered Why Personal Finance Can't Wait — The cost of delaying good money habits and why commissioning is the perfect moment to get the vector right The Power of Compound Interest — How $500/month invested over 40 years at 10% can grow to $3 million, and what that means for your 30s and 40s, not just retirement Financial Discipline as Leadership — Why money stress is a distraction from leading your people, and how a clean financial house makes you a more present and effective officer The #1 Wealth Killer: Too Much Car — Why junior officers buy more car than they should, and how delaying that purchase by a few years changes everything The Three Biggest Wealth Destroyers — Expensive cars, oversized apartments, and fast weddings that end in divorce TSP Basics Done Right — Start contributing immediately, bump it to 10–15%, and put it in the Lifecycle Fund (L2070/L2075) — then mostly leave it alone Roth TSP vs. Roth IRA — Why the Roth accounts are the right choice for most junior officers, especially given the tax-free housing and sustenance allowances Combat Zone Tax Exclusion (CZTE) — The "triple tax advantage" of contributing tax-free combat pay into Roth accounts that grow and distribute tax-free Avoiding TSP Get-Rich-Quick Distractions — Day trading the TSP, Robinhood accounts, and newsletter schemes: why consistent singles beat swinging for the fences Business Cards & Business Cards — Why 90% of active fund managers can't beat index funds over 10–20 years, and why you don't need to either Post-9/11 GI Bill Strategy — How to transfer the GI Bill to dependents, why timing matters, and why it can be worth $400,000–$500,000 if handled correctly Military Grad School — Going to graduate school while still getting paid and preserving your GI Bill for your family Living Like the Rank Below You — The "live like an O-2 when you're an O-3" mindset and how each promotion is an investment opportunity Time as Wealth — The concept of being a "time billionaire" and balancing saving with creating memories in your 20s and 30s Resources Mentioned Related Military Money Manual Podcast episodes — Episode 132 (financial guide for new officers) and Episode 2 (deep dive on the TSP); available on Apple Podcasts, Spotify, Amazon TSP Lifecycle Funds — tsp.gov (L2070 or L2075 recommended for the Class of 2026) Always Ready Financial Planning — alwaysreadyfp.com | joe@alwaysreadyfp.com Fireside Finances (Rob Shaye) — rob@firesidefinances.com | LinkedIn: Robert Shaye Military OneSource — militaryonesource.mil (general military financial resources) Spencer Reese — spencer@militarymoneymanual.com | Instagram: @militarymoneymanual       Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 22,000 military servicemembers and military spouses have graduated from the 100% free, Ultimate Military Credit Cards Course available at militarymoneymanual.com/umc3 Military Money Manual may receive compensation from JPMC. Opinions expressed here are author's alone, not those of any bank, credit card issuer, airlines or hotel chain. If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.

Jason Steele hasn't paid for a flight or hotel in 20 years — and he has a family of five. In this episode, the credit card expert, Card Con founder, and author of Travel for Free breaks down exactly how military service members can build a sustainable points and miles strategy, avoid the money traps that sink young service members, and why the best f Spencer Reese sits down with Jason — a freelance credit card expert, founder of Card Con, and author of Travel for Free — to talk travel hacking, military credit card benefits, and building a sustainable points strategy. Topics Discussed How Jason got into Points & Miles consulting — after years of writing about award travel, people kept asking him to just tell them what to do; he turned that demand into a consulting practice What makes a great consultation client — financially responsible, pays statement balances in full, has some flexibility with cards, and is genuinely excited about travel Sustainable travel hacking over a military career — opening one card per year per spouse = up to 40 cards over a 20-year career with no annual fees and millions of points American Express and military fee waivers — Amex tends to be the most accessible issuer for young active duty members; Jason's own daughter (USAF Academy cadet) was immediately approved for the Platinum card The biggest financial mistake young service members make — buying too much car too early; the Hellcat in the parking lot vs. the Corolla driven by the commander Brokerage accounts vs. credit card rewards — a brief nod to the value of flexibility in personal finance, mirroring themes from other episodes Managing multiple credit cards — auto pay, spreadsheets, and apps like Card Pointers; focus on big-win credits first (Chase Sapphire Reserve $300 travel credit, Hilton free night certs) before chasing $7 Dunkin credits Amex Platinum airline credit hack — buy refundable Southwest tickets under $100, cancel within 24 hours; the credit triggers and the refund posts Redeeming points for others — using miles to fly family members to visit you overseas; points can be redeemed in anyone's name at no extra cost Best sweet spots mentioned — ANA (All Nippon Airways) miles for business class to Japan and Africa; United Polaris via Chase Ultimate Rewards transfer; Southwest companion pass Jason's book, Travel for Free — written for beginner to intermediate award travelers; includes personal stories, client case studies, and travel "recipes" (reusable booking frameworks for common trip types) The "how much would you travel if it were free?" question — Jason's framing for why this hobby is worth building Resources Mentioned JasonSteele.com https://jasonsteele.com— book a free 50-minute award travel consultation; link to Travel for Free Travel for Free: How to Use Points and Miles to See the World — available on Amazon Card Con https://jasonsteele.com— Jason's annual conference for credit card media professionals Card Pointers https://cardpointers.com/military— app for tracking credit card benefits and coupon book credits (military discount available) Chicago Seminars & Frequent Travel University — large conventions for award travel enthusiasts Slick Deals, Nav, SoFi — outlets where Jason currently publishes points valuations and credit card content Military Money Manual Podcast Ep. 217 — Jared Mausi flying his mom to Rome in business class using points Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 22,000 military servicemembers and military spouses have graduated from the 100% free, Ultimate Military Credit Cards Course available at militarymoneymanual.com/umc3 In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, such as waived annual fees, on elite cards like The Platinum Card® from American Express and the Chase Sapphire Reserve® Card. https://militarymoneymanual.com/amex-platinum-military/ https://militarymoneymanual.com/chase-sapphire-reserve-military/ Military Money Manual may receive compensation from JPMC. Opinions expressed here are author's alone, not those of any bank, credit card issuer, airlines or hotel chain. Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3 If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.

What if you could retire from the military at 50, bridge a decade of income, and pay less in taxes than you ever expected? It sounds too good to be true — but it's written right into the tax code. Spencer and Rob walk through exactly how a Roth conversion ladder works, who it's built for, and whether a simple brokerage account might actually beat it. Spencer Reese interviews Rob Moore, Army veteran, CFP candidate, and founder of Everman Wealth and Prosperity. Topics Discussed What a Roth Conversion Ladder is — moving funds from a traditional IRA to a Roth IRA each year before military retirement to create penalty-free supplemental income during the bridge period between military retirement and age 59½ Who it's for — service members retiring before 59½ who need to bridge their income gap, and those in the FIRE community with lower taxable income Contribution vs. Conversion — contributions can be withdrawn penalty/tax-free anytime; conversions require a five-year waiting period per conversion year The Five-Year Rule — each conversion starts its own five-year clock on January 1st of the conversion year; after five years, the converted amount can be withdrawn penalty and tax-free TSP limitations — Roth conversion ladders live entirely in the IRA universe; TSP rules are different and don't qualify (though the new TSP Roth conversion feature, live in 2026, is noted as a separate benefit) Practical example — a service member at age 49, five years from retirement, converts $20,000/year; at retirement (age 54), the first conversion is available penalty/tax-free, with each subsequent year unlocking the next rung Alternatives to the Roth ladder: Rule 72(t) / SEPP — rigid but allows early retirement account access Rule of 55 — penalty-free TSP access if retiring in the year you turn 55 Taxable brokerage account — flexible, no rules, and often more tax-efficient than people assume Brokerage vs. tax-deferred comparison — Rob's case study on a retiring O-5 showed the brokerage account came out ~$13,000 ahead in aggregate taxes over 16 years vs. a Roth conversion ladder strategy Tax bracket inflation adjustment — a reminder that brackets adjust for inflation, so projecting future RMD tax burden in today's dollar terms overstates the hit Backdoor Roth contributions — briefly mentioned as an option for those without existing traditional IRA funds; subject to the same five-year conversion rule and annual limits ($7,500/person, $15,000/couple in 2026) Resources Mentioned Fiscal Foxhole Podcast https://www.instagram.com/fiscalfoxhole— co-hosted by Rob Moore and Oman Quavo; available on all major podcast platforms Everman Wealth and Prosperity https://www.prosperwitheverman.com/— Rob's financial planning firm (Northern Virginia, fee-only) How Tax-Advantaged is Tax-Deferred? https://www.prosperwitheverman.com/podcastarticles/how-tax-advantaged-is-tax-deferred— Rob's article comparing brokerage vs. tax-deferred retirement savings Moneychimp.com  http://www.moneychimp.com — simple compound interest/tax calculator mentioned by Spencer Military Money Manual Podcast Ep. 216 — prior interview with Oman Quavo Military Money Manual Podcast Ep. 162 — backdoor Roth IRA deep dive with Brian Alf O'Neill of Winged Wealth Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 22,000 military servicemembers and military spouses have graduated from the 100% free, Ultimate Military Credit Cards Course available at militarymoneymanual.com/umc3 In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, such as waived annual fees, on elite cards like The Platinum Card® from American Express and the Chase Sapphire Reserve® Card. https://militarymoneymanual.com/amex-platinum-military/ https://militarymoneymanual.com/chase-sapphire-reserve-military/ Military Money Manual may receive compensation from JPMC. Opinions expressed here are author's alone, not those of any bank, credit card issuer, airlines or hotel chain. Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3 If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.

Episode 10: Save for Rapid Financial Independence — (10-part series finale) Jamie and Spencer close out their beginner-friendly 10-step series with the final move: saving aggressively to fast-track financial independence (FI). Topics Covered Quick recap of all 10 steps in the series (from getting the 5% Roth TSP match → building a life you want → saving enough to rapidly achieve FI) What financial independence actually means: living off your accumulated assets The 4% safe withdrawal rate and the Trinity Study (1998), pioneered by Bill Bengen How savings rate dictates years to FI: 2% → 85 yrs, 10% → 50 yrs, 15% → 41 yrs, 20% → 36 yrs, 30% → 25 yrs, 40% → 20 yrs, 50% → 17 yrs FI as optionality, not forced retirement — career flexibility, caregiving, sabbaticals, starting a business, going back to school Stat: 58% of people retire sooner than planned (health, job loss, organizational changes, unhappiness) Why not to rely solely on Social Security Military-specific advantages: low expenses on deployment, tax breaks, and stacking VA disability + pension on top of personal savings Avoiding lifestyle inflation as income grows Resources Mentioned Savings-rate-to-years-of-work chart — page 35 of Spencer's book The Military Money Manual  Trinity Study, Journal of Financial Planning (1998) — Bill Bengen's 4% rule Instagram: @MilitaryMoneyManual Email: podcast@militarymoneymanual.com   Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 22,000 military servicemembers and military spouses have graduated from the 100% free, Ultimate Military Credit Cards Course available at militarymoneymanual.com/umc3 In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, such as waived annual fees, on elite cards like The Platinum Card® from American Express and the Chase Sapphire Reserve® Card. https://militarymoneymanual.com/amex-platinum-military/ https://militarymoneymanual.com/chase-sapphire-reserve-military/ Military Money Manual may receive compensation from JPMC. Opinions expressed here are author's alone, not those of any bank, credit card issuer, airlines or hotel chain. Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3 If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.

Episode 1951 - brought to you by our incredible sponsors: Quo - For business communication, try QUO for free PLUS get 20% off your first 6 months when you go to quo.com/hardfactor  Better Help - Your emotional wellbeing matters. Find support and feel lighter in therapy. Sign up and get 10% off at BetterHelp.com/HARDFACTOR. 00:00:00 Timestamps 00:01:00 Pat can't breathe anymore 00:02:40 Cumming and hating it?! 00:05:00 Will you get Stefan Diggs on your team or not? 00:06:35 Even MORE updates to the JPMC Sex Slave saga 00:22:10 Man in Scotland having sex with a trash can 00:27:10 Incredible NextDoor post from Pat's hood 00:31:00 Huge Gang of ATV riders and dirtbikers apprehended on the Bay Bridge Thank you for listening! Join our community at https://www.patreon.com/hardfactor for bonus pods and Discord chat. We love you all, and most importantly, get out there and HAGFD! Learn more about your ad choices. Visit megaphone.fm/adchoices

Step 9 in our 10-part series: build the life you want and save for it. Spencer and Jamie step away from the spreadsheet to remind listeners that financial independence is a means to an end — not the end itself. Topics covered: Why high savers can lose sight of why they're saving and fall into a "scarcity mindset" The danger of grinding toward a 20-year retirement without enjoying the journey along the way How Spencer and Jamie made the deliberate choice to spend above BAH in Hawaii — and why it was worth it The concept of Coast FI: once you've saved enough, dialing back from a 40% to a 30% savings rate may only push your FI date back by a year The transition from scarcity to abundance mindset — and why you'll inevitably spend money on things that don't bring you joy (and why that's okay) How to "test" big splurges before retirement: try the business class upgrade once, see if it's worth it to you Why spending on experiences now is an investment in understanding what actually makes you happy Don't wait until 55 or 75 to enjoy your money — build the life you want intentionally, on the way to FI Resources mentioned: The Golden Albatross by Grumpus Maximus (book on cliff-vested military pensions) Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 22,000 military servicemembers and military spouses have graduated from the 100% free, Ultimate Military Credit Cards Course available at militarymoneymanual.com/umc3 In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, such as waived annual fees, on elite cards like The Platinum Card® from American Express and the Chase Sapphire Reserve® Card. https://militarymoneymanual.com/amex-platinum-military/ https://militarymoneymanual.com/chase-sapphire-reserve-military/ Military Money Manual may receive compensation from JPMC. Opinions expressed here are author's alone, not those of any bank, credit card issuer, airlines or hotel chain. Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3 If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.

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Step 8 in our 10-part series: max out your Roth TSP. Spencer and Jamie explain the triple tax benefit military members get by combining low-taxed allowances with Roth contributions, and why maxing the TSP is a stretch goal — not a year-one expectation. Topics covered: The 2025 Roth TSP contribution limit is $23,500 (Spencer's projection for 2026: ~$24,500) Why BRS participants need to spread contributions across all 12 months to get the full match How deployed servicemembers in a Combat Zone Tax Exclusion (CZTE) area can contribute above the standard limit The triple tax benefit: BAH and BAS are untaxed allowances, Roth contributions grow tax-free, and qualified withdrawals after 59½ are tax-free What maxing looks like in practice: ~49% of base pay for an E-5 over 6, ~28% for an O-3 over 4 Why this is an "advanced" step — most Americans barely save 5% for retirement It's okay to save 20% instead of maxing out — you're just pushing your FI date back Annual contribution limits are use-it-or-lose-it — you can't recover last year's unused space Why starting early matters more than the amount, thanks to compounding Spencer's TSP max contribution chart by rank and time in service Resources mentioned: tsp.gov (to confirm current year contribution limits) militarymoneymanual.com/tsp Military Money Manual TSP max contribution chart by rank and time in service Past episodes covering TSP contributions in Combat Zone Tax Exclusion (CZTE) areas Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call at militarymoneymanual.com/mentor. Over 22,000 military servicemembers and military spouses have graduated from the 100% free Ultimate Military Credit Cards Course, available at militarymoneymanual.com/umc3. In the course, you can learn how to apply for the most premium credit cards and get special military protections, such as waived annual fees, on elite cards like The Platinum Card® from American Express and the Chase Sapphire Reserve® Card. https://militarymoneymanual.com/amex-platinum-military/ https://militarymoneymanual.com/chase-sapphire-reserve-military/ Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3. If you want to maximize your military paycheck, check out Spencer's 5-star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual. Military Money Manual may receive compensation from JPMC. Opinions expressed here are author's alone, not those of any bank, credit card issuer, airlines or hotel chain.

Step 7 in our 10-part series: open a Roth IRA at Vanguard, Fidelity, or Schwab and max out your contribution into a total stock market index fund. Spencer and Jamie break down why the LADS method (Low-cost, Automated, Diversified, Simple) beats stock picking and why Roth almost always wins for military pay. Topics covered: Why to open a Roth IRA at one of the big three: Vanguard, Fidelity, or Schwab Total stock market index fund options: VTI, SCHB, FZROX, VTSAX, VT Spencer's LADS method: Low-cost, Automated, Diversified, Simple How low fees compound — 3 cents per $100 vs. high-load funds from military-targeted advisors Buying the haystack instead of hunting for the needle (you already owned Nvidia a decade ago) Mutual funds vs. ETFs — why the difference doesn't matter for most investors Recreating a total US stock market in the TSP with 80% C Fund / 20% S Fund How the Roth IRA is a separate bucket from the Roth TSP — both have their own contribution limits Why Roth (pay taxes now) beats Traditional for most military families with low effective tax rates The narrow edge cases where Traditional might make sense (O-5+ doctors, some dual-military couples) Spencer's effective tax rate as a pilot and major was under 10% — often under 5% Resources mentioned: Vanguard, Fidelity, Schwab (Roth IRA providers) VTI — Vanguard Total Stock Market Index Fund SCHB — Schwab Total Stock Market Index Fund FZROX — Fidelity Total Stock Market Index Fund VTSAX — Vanguard Total Stock Market mutual fund tsp.gov (for current contribution limits) Bogleheads forum (for the mutual fund vs. ETF deep dive) Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call at militarymoneymanual.com/mentor. Over 22,000 military servicemembers and military spouses have graduated from the 100% free Ultimate Military Credit Cards Course, available at militarymoneymanual.com/umc3. In the course, you can learn how to apply for the most premium credit cards and get special military protections, such as waived annual fees, on elite cards like The Platinum Card® from American Express and the Chase Sapphire Reserve® Card. https://militarymoneymanual.com/amex-platinum-military/ https://militarymoneymanual.com/chase-sapphire-reserve-military/ Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3. If you want to maximize your military paycheck, check out Spencer's 5-star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual. Military Money Manual may receive compensation from JPMC. Opinions expressed here are author's alone, not those of any bank, credit card issuer, airlines or hotel chain.

Step 5 in our 10-part series: pay down your high interest rate debt. Spencer and Jamie share how they each paid off six figures of debt on military pay, why debt robs your future self of choices, and where to find free help if you're overwhelmed. Topics covered: Why non-asset-backed debt (credit cards, auto loans, student loans) is working against you The 5-6% interest rate threshold for "high interest" vs. "low interest" debt Why Spencer has become more debt-averse over time — even toward low-interest career starter loans The emotional and psychological weight of debt, and how paying it off changed both hosts' financial trajectories Scarcity mindset vs. abundance mentality — and why you might need a temporary scarcity mindset to get out of debt Ways to increase income in the military: spouse employment, side hustles, DoorDash, garage sales, Facebook Marketplace Debt affects all ranks and all ages — don't let embarrassment keep you from getting help Resources mentioned: The Total Money Makeover by Dave Ramsey (available on Libby app and base libraries) Financial Peace University (Dave Ramsey) Dave Ramsey's 7 Baby Steps — Military Money Manual Podcast Episode 135 How to Get Out of Debt in the Military — Episode 14 Spencer & Jamie's Debt Stories — Episode 15 On-base financial counseling services (accredited financial counselors) Military OneSource (text, chat, phone, video counseling) Spencer is offering one-on-one Military Money Coaching sessions! Get your personal military money and investing questions answered in a confidential coaching call. If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual or email podcast@militarymoneymanual.com. If you want to maximize your military paycheck, check out Spencer's 5-star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. I also offer a 100% free course on military travel hacking and getting annual fee waived credit cards, like The Platinum Card® from American Express, the American Express® Gold Card, and the Chase Sapphire Reserve® Card in my Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3. The Platinum Card® from American Express and the American Express® Gold Card waive the annual fee for active duty military servicemembers, including Guard and Reserve on active orders over 30 days. The annual fees on all personal Amex cards are also waived for military spouses married to active duty troops. Military Money Manual may receive compensation from JPMC. Opinions expressed here are author's alone, not those of any bank, credit card issuer, airlines or hotel chain. Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 22,000 military servicemembers and military spouses have graduated from the 100% free, Ultimate Military Credit Cards Course available at militarymoneymanual.com/umc3 In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, such as waived annual fees, on elite cards like The Platinum Card® from American Express and the Chase Sapphire Reserve® Card. https://militarymoneymanual.com/amex-platinum-military/ https://militarymoneymanual.com/chase-sapphire-reserve-military/ Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3 If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.

Step 4 of the 10-part military finance essentials series. Spencer and Jamie explain how to create a realistic budget focusing on "the four walls": food, utilities, shelter, and transportation. Learn which budgeting tools work best, why tracking spending matters, and how to avoid the biggest financial trap in the military—buying too much car. Create a Realistic Budget Focus on the Four Walls first: Food Utilities Shelter (rent/housing) Transportation Then track: Other necessary expenses Discretionary spending Where money is actually going Recommended Apps: Monarch Money - $100/year (Spencer's current choice, replaced Mint.com) YNAB (You Need A Budget) - $109/year (Jamie's choice) Google Sheets or Excel - Free (works fine for beginners) Pen and paper - Free (better than nothing) Cash Envelope Method Key Points Military Advantages: Housing usually covered (BAH or base housing) Food access (DFAC for single members) Should be "almost zero situations" where four walls are an issue This frees up money for other goals Biggest Trap: Buying Too Much Car What to Look For The Goal: Align spending with your values—spend on what matters, cut what doesn't Important Reminders Budget = A Plan Not restrictive, just intentional Know what's coming in, what's going out Ensures you're being efficient with money Credit Cards Are NOT the Solution Don't solve overspending with credit cards Credit cards are great tools (right time, right place) Not for covering expenses you can't afford Not for living beyond your means If You're Behind: Focus on four walls FIRST Pay rent, utilities, food, transportation Everything else comes after Create safe, stable environment so you can focus on work/mission Resources Episode 48: Four Ways to Budget a Military Paycheck (deep dive) Monarch Money: monarchmoney.com YNAB: youneedabudget.com Military Money Manual Book: Full budgeting strategies   Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 22,000 military servicemembers and military spouses have graduated from the 100% free, Ultimate Military Credit Cards Course available at militarymoneymanual.com/umc3 In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, such as waived annual fees, on elite cards like The Platinum Card® from American Express and the Chase Sapphire Reserve® Card. https://militarymoneymanual.com/amex-platinum-military/ https://militarymoneymanual.com/chase-sapphire-reserve-military/ Military Money Manual may receive compensation from JPMC. Opinions expressed here are author's alone, not those of any bank, credit card issuer, airlines or hotel chain. Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3 If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.

Step 3 of the 10-part military finance essentials series. Spencer and Jamie explain why every service member needs a $1,000 emergency fund. This starter fund stops you from living paycheck to paycheck, prevents debt accumulation, and turns emergencies into inconveniences. What to Do Save $1,000 Emergency Fund Timeline: $100/week = 10 weeks $250/month = 4 months Where to keep it: High yield savings account (separate from checking) Must be FDIC or NCUA insured Options: Ally, Marcus, Capital One 360, USAA, Navy Federal Key Points Why $1,000? Covers most common emergencies (flat tire, minor repairs, appliance breakdown) Creates mental clarity and breathing room Prevents credit card debt and payday loans Most Americans can't cover $1,000 emergency - don't be one of them The Mental Shift: With $1,000 saved: emergencies become inconveniences, not crises Flat tire = annoying, not catastrophic Unexpected expense = manageable, not panic-inducing Important Notes: This is a starter emergency fund (you'll build bigger later) Okay to temporarily keep at USAA/Navy Federal Must be in separate account from daily spending Don't skip this to invest more   Bottom Line: $1,000 emergency fund = financial breathing room. Transforms emergencies from crises into inconveniences. Start saving now. Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 22,000 military servicemembers and military spouses have graduated from the 100% free, Ultimate Military Credit Cards Course available at militarymoneymanual.com/umc3 In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, such as waived annual fees, on elite cards like The Platinum Card® from American Express and the Chase Sapphire Reserve® Card. https://militarymoneymanual.com/amex-platinum-military/ https://militarymoneymanual.com/chase-sapphire-reserve-military/ Military Money Manual may receive compensation from JPMC. Opinions expressed here are author's alone, not those of any bank, credit card issuer, airlines or hotel chain. Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3 If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.

Step 2 of the 10-part series on military finance essentials. After setting up your 5% Roth TSP contribution in Step 1, now you need to create your TSP account online and make sure your money is invested in the right fund. Spencer and Jamie explain how to set up your account at tsp.gov, enable two-factor authentication, and allocate contributions to the appropriate L (lifecycle) fund based on your retirement age. What to Do Action Steps: 1. Create TSP Account Go to tsp.gov Create account/login Set up two-factor authentication Verify account is active 2. Check Your Fund Allocation Ensure contributions go to correct L Fund (lifecycle fund) Not the G Fund (too conservative for young investors) 3. Update Allocations Set current balance to appropriate L Fund Set future contributions to same L Fund Example: L 2060 or L 2065 for younger service members Key Information What is an L Fund? Which L Fund Should You Choose? Why Not the G Fund? Blended Retirement System (BRS) Resources TSP Website: tsp.gov MyPay: mypay.dfas.mil (from Step 1) TSP Course: militarymoneymanual.com/tsp   Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 22,000 military servicemembers and military spouses have graduated from the 100% free, Ultimate Military Credit Cards Course available at militarymoneymanual.com/umc3 In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, such as waived annual fees, on elite cards like The Platinum Card® from American Express and the Chase Sapphire Reserve® Card. https://militarymoneymanual.com/amex-platinum-military/ https://militarymoneymanual.com/chase-sapphire-reserve-military/ Military Money Manual may receive compensation from JPMC. Opinions expressed here are author's alone, not those of any bank, credit card issuer, airlines or hotel chain. Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3 If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.

VLOG March 2 US v Live Nations jury selection, Inner CIty Press to Live (Nation) tweet; Alexander Bros US to rest https://matthewrussellleeicp.substack.com/p/hamptons-horror-xi-in-us-v-alexanderFifth Third & JPMC sued re Tricolor; amid Iran, Melania Trump UNSC, @USUN no answers on UN censorship https://innercitypress.com/usun3waltzicp022526.html

VLOG Jan 23 Luigi Mangione hearing, Altoona PD;Alexander Bros jury strikes https://www.patreon.com/posts/courtroom-too-in-148738361 Lively v Baldoni https://matthewrussellleeicp.substack.com/p/extra-in-blake-lively-baldoni-caseAssociated Banc-Corp hit, 10% cap BofA & Citi, JPMC debanking, after OCC denied hearing. Microsoft with UN- on censorship?

VLOG Jan 21: On Epstein files SDNY Judge denies participation to @RepThomasMassie & @RoKhanna; Davos has JPMC - but not UN @AntonioGuterres, back to his mansion with a cold. Alexander Bros open Jan 26Habeas petitions, Federal Reserve conflict on Fulton, Sup Ct

Cash flow used to mean waiting and worrying. Today, it can mean deciding and doing. We sit down with Ana Garcia of JPMorgan Payments and James Chi of Block to unpack how real-time payments are reshaping the small business playbook - turning every sale into instantly usable working capital and replacing uncertainty with visibility you can act on.Ana pulls back the curtain on how instant payments actually work: APIs or portals trigger transactions, banks authenticate and screen for fraud and compliance, networks like The Clearing House RTP clear and settle, and funds land in seconds with instant confirmation. James maps those capabilities to real merchant needs - Square's instant transfers to linked accounts, immediate spend via Square Checking, and faster marketplace payouts for merchants - showing how speed enables on-time payroll, proactive inventory management, and smoother refunds.We also get real about adoption. Many owners still don't know they can move money this fast, so education in context is key - surfacing instant options exactly when cash is tight. On safety, both leaders emphasize layered defenses: identity checks, behavioral analytics, transaction limits, and step-up authentication, proving you don't need to trade security for speed. Looking forward, we explore request for payment for cleaner collections, the march toward near-universal bank coverage, and the promise of cross-border instant payments that could redefine supplier and marketplace flows. If you care about liquidity, predictability, and customer trust, this conversation shows how real-time payments turn pressure into momentum.This episode is part of our special series on The Future of Modern Payments sponsored by The Clearing House.

Welcome back to AI Unraveled, your daily strategic briefing on the business impact of artificial intelligence.Today, we are flipping the script on the most boring word in tech: Governance. We are diving into the 'Compliance Cost Cliff'—a new reality where the ability to control your AI is not just a legal shield, but the primary engine of your velocity. We'll look at how AI hallucinations cost businesses $67 billion this year alone, why the EU AI Act is actually a springboard for global dominance, and how giants like JPMorgan and Mayo Clinic are building 'Trust Moats' to leave their competitors in the dust.1. The Strategic Inversion: From Brake to Engine The narrative of "move fast and break things" is dead. We have reached the Compliance Cost Cliff, where the financial and reputational risks of ungoverned AI far outweigh the friction of implementing it. Organizations that treat governance as infrastructure are unlocking high-risk, high-reward use cases that remain inaccessible to less disciplined competitors.2. The "Trust Moat" Theory In a market flooded with AI-generated noise and deepfakes, verified reality is the only scarce resource.Sales Friction: Governance-first companies bypass lengthy procurement security questionnaires, winning deals in the "silent" phase of the buying cycle.Pricing Power: Verified, auditable AI outputs command a premium. An AI that cites its sources is a professional tool; one that doesn't is a liability.3. The Economics of FailureThe Hallucination Bill: In 2024, AI hallucinations cost businesses $67.4 billion in direct losses, legal sanctions, and operational remediation.Regulatory Hammers: The EU AI Act introduces fines of up to 7% of global turnover—a penalty structure that can erase a year's worth of profitability for major firms.4. Sector Deep Dives: The First MoversFinance (JPMorgan Chase): Misinterpreted for initially banning ChatGPT, JPMC used the pause to build the LLM Suite—a governed platform that handles data privacy and model risk centrally. This infrastructure now allows them to deploy tools like Connect Coach safely while competitors struggle with compliance.Healthcare (Mayo Clinic): Mayo's "Deploy" platform acts as governance middleware. Insurance (AXA): With SecureGPT, AXA positions itself as a governance auditor, refusing to insure companies that cannot prove their AI safety standards—effectively monetizing governance.5. The Technical Architecture of Compliance Governance must be encoded into the software itself.Auditable RAGImmutable Audit Logs6. Future Outlook: Agentic AI & Liability As we move toward Agentic AI (systems that take action, not just chat), the liability shifts entirely to the deployer. The only defense against an agent that executes a bad trade or deletes a file is a robust, documented governance history.KeywordsAI Governance, Compliance Cost Cliff, Trust Moat, EU AI Act, Agentic AI, Hallucination Costs, JPMorgan LLM Suite, Mayo Clinic Deploy, Auditable RAG, Vector DB Audit Logs,

Welcome back to Fintech Takes. I'm Alex Johnson, joined (as always) by my Jason Mikula, my partner in recapping — who I've been lucky to see a lot of lately, which makes recording this over the internet feel oddly impersonal? First up, open banking updates. JPMC has updated data-access contracts with Plaid, Yodlee, Morningstar, and Akoya; covering, reportedly, 95% of data pulls on its systems (but is silent on players like Finicity, Stripe, Trustly, and MX). Meanwhile, the CFPB wants to finalize its 1033 rule by year's end, possibly skipping key steps like the small business panel. The rule may allow data fees tied to “cost recovery,” but what counts as cost (and who has the leverage to charge it) is still very much in play. Then it's onto digital IDs. Apple now lets users create an identity credential in Wallet from a passport, using NFC and a liveness check. Jason tested it. It works, but usage is limited to select TSA checkpoints. And adoption faces the same slow climb as Apple Pay, but with higher risks if it fails. Identity credentials aren't like payments: you don't want them glitching at airport security! From there, Green Dot (which some might describe as an OG fintech company) is going private and splitting up. Smith Ventures is buying the non-bank side, while CommerceOne (also backed by Smith) takes over the bank and folds it into a new holding company. It's a move that looks like extraction (pulling the combo out of public markets that never knew how to value it), which raises questions for other banks trying to thread the same needle. Plus, in our Can't Let It Go corner: Jason dives into the latest lawsuit against Meta, where internal docs reveal the company blocked safety features that threatened growth, ran a 17-strike policy before removing sex traffickers (described as a very, very, very high threshold), and drew its own comparisons to Big Tobacco. And I flag a podcast moment so surreal it sounds fake: the CEO of Roblox endorsing prediction markets for kids (as long as they're framed as “educational”). Thanks for listening!  This episode was brought to you by Marqeta. Don't sacrifice agility for stability. With Marqeta, launch payments experiences that perform at scale and flex with your business. Learn more at https://marqeta.com/ftt Sign up for Alex's Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/  And for more exclusive insider content, don't forget to check out my YouTube page. Follow Jason: Newsletter: https://fintechbusinessweekly.substack.com/ LinkedIn: https://www.linkedin.com/in/jasonmikula/   Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnsonTwitter: https://www.twitter.com/AlexH_Johnson

VLOG Nov 25 2d Bid to Unseal in US v. Epstein and Maxwell, we're back, like book: https://www.amazon.com/Maximum-Maxwell-Prosecution-Collusion-Verdicts/dp/B09P7RNGK6Links of UBS, BofA- and JPM Chase, debanking: https://innercitypress.com/jpmchase1epsteinhmdadebankingffw112425.html Alexander Bros hearing reveals 28 witnesses - against Luigi Mangione. UN bans Press

VLOG Oct 31 As Epstein files of JPMorgan Chase to go on PACER at noon, book banning (partially) ended so Maximum Maxwell paperback here https://www.amazon.com/Maximum-Maxwell-Prosecution-Collusion-Verdicts/dp/B09P7RNGK6Crypto Bros trial defense https://matthewrussellleeicp.substack.com/p/extra-in-trial-for-taking-25m-from-150; Fair Finance Watch to Fed on "EGRPRA." UN censors

Our second wave of FinovateFall coverage includes interviews with the founders of Gentreo and Wysh- two young firms aiming to preserve member deposits across life cycles- as well as Veep Software, which delivers early wage access alongside financial education through the FI channel. Also- Glen reveals his Best of Show ballot, and touches on the startling plot twists with Plaid, Chase and open banking (spoilers entirely warranted).        Links related to this episode:   Wysh: https://www.wysh.com/    Gentreo: https://www.gentreo.com/    Veep Software: https://veepsoftware.io/    Veep's post-interview announcement of its partnership with financial education content provider nudge: https://www.financialcontent.com/article/getnews-2025-9-17-veep-launches-ewa-20-and-announces-first-global-partnership-with-nudge    Videos of all 63 FinovateFall demos: https://finovate.com//videos/?filtertype=&showtypes=FinovateFall&videostartyear=2025&showletters=A-Z    FinovareFall's Best of Show Winners: https://finovate.com/finovatefall-2025-best-of-show-winners-announced/    Alex Johnson's Fintech Take on the Prisoner's Dilemma aspect of JPMC, Plaid, and open banking: https://fintechtakes.com/      Follow us on LinkedIn:  https://www.linkedin.com/company/best-innovation-group/   https://www.linkedin.com/in/jbfintech/  https://www.linkedin.com/in/glensarvady/

Every year at Data + AI Summit, there's a shift in energy — and this year, it's clear: AI is in production, and the spotlight is finally on the data layer. Caught up with my friend Raj Bains, CEO & Co-Founder of Prophecy on The Ravit Show, to talk about what's changed — and how their mission to combine self-service with governance is resonating more than ever.We covered:-- Why “democratizing AI” isn't just a nice phrase — it requires a platform that prepares the room with the right guardrails-- Real-world traction with JPMC and Amgen — and how success turned into investment-- What it really takes to build a production-ready, governed data pipeline in under 10 minutes (hint: it's not just speed, it's control)-- Their early agentic AI features helping analysts find and transform data with smarter guidanceRaj also shared what's changed in the past year — a clear push across customers to modernize, consolidate legacy tools, and go deeper with AI features.Lots of energy around Prophecy this year — and for good reason.#data #ai #DataAISummit #Databricks #prophecy #agentic #connectors #theravitshow

Vinod Metra is an accomplished IT executive with over 25 years of leadership in spearheading global teams and driving multimillion-dollar technology transformations at industry giants like Fidelity, JPMC, MassMutual, State Street and more. Most recently, Vinod served as Fractional CTO at StonePeak, where he guided strategic tech initiatives. Holding a Master's from Harvard and a Wharton CTO certification, Vinod brings deep expertise in AI, cloud/data cloud platforms, and transformative projects in finance and environmental services. Listen NOW as he shares his insights on architecting AI-ready data platforms and navigating the dynamic role of tech executives in today's AI-driven landscape.

JPMorgan Chase's David Pinto-Carpenter shares how the banking giant is adapting to changing consumer expectations for financial services, what he thinks is holding back more investment in CTV and why he's comfortable not being a first mover. Episode TranscriptPlease note, this transcript  may contain minor inconsistencies compared to the episode audio. Damian (00:00):I'm Damian Fowler.Ilyse (00:02):And I'm Ilyse Liffreing.Damian (00:03):And welcome to this edition of The Current Podcast.Ilyse (00:10):This week we're delighted to talk with David Pinto-Carpenter, the managing director of Media Strategy and Insights at JPMorgan Chase.Damian (00:19):Now over 225 years old and is situated across 100 global markets. JPMorgan Chase is one of the world's most respected financial institutions, and for the second consecutive year, fortune ranked JPMorgan Chase, the fifth most admired company in the world.Ilyse (00:35):After 10 years of agency life, David moved over to JPMC where he's focused on how the company invests in its digital marketing strategy to stay current with the fast moving media environment.Damian (00:48):We start by asking David about how his agency life informed his thinking at JPMorgan ChaseIlyse (00:55):After having spent nearly 10 years on the agency side of media. What inspired you to move over to the brand side and how has that experience kind of shaped your approach at JPMorgan Chase?David (01:10):Right, so well, that really ages me, so appreciate that. But I think I've always been interested in two sides of media. One is how media can influence consumer behavior and also how media can move business. And I think it's a bit hard to get a real accurate answer of how media moves business when you don't see the other side of the business. So agencies are, there's always typically a gap between clients and agency in terms of information sharing, what can be passed back and forth. So I was fortunate enough to, as my last agency assignment work on the Truth Initiative, which is a(01:48):Youth pro non-smoking nonprofit, and they were very open with their information. Essentially we're all working on a common cause. The cause is maybe the only thing in marketing where you actually save lives and therefore our information is your information, whatever can make us better, we'll do it. My clients gave us access to their web analytic platform. We had a full understanding of their tagging infrastructure and which actions were scored higher and lower and where we were trying to drive people and how people were traversing across the funnel as well as their data management platform. How do we create audiences? How do we collect data on an ad impression? How do we ultimately transform that into groups that we can use to target better? And for Truth, they're trying to reach 13 to 24 year olds with the message they don't want to hear. The hardest thing to get in action, and their action is to sign people up for advocacy.(02:40):I was able to see front and back everything that's happening and be able to use that to build tools and capabilities that allow us to model forward outcomes. We're basically able to say, okay, now we can not only project how much the outcome will cost, but also we can anticipate how people will respond to the ads as we put them out into market, and that included creative, that included everything else. We were able to reduce the amount of working media they needed to achieve their goal by 20%. We just said, take that back. You don't need it. You're a nonprofit, you don't need to spend it anymore. That was my last gig. And then at the time, my current manager, Tracy- Ann Lim, chief media officer at JPMC started to contact me asking if I was interested in coming to JPMC. So first questions I asked were, what kind of systems do you have?(03:24):What kind of access to information will I have? And then what is the objective? What does a team look like? So the team was very nascent, but the technology and the systems were very similar to truth, actually. It was a no-brainer getting access to or having the potential to access some portion of JPMC data to make marketing more effective and see how it works. And then a nonprofit, let's say JPMC's, I dunno, a hundred times the size of the nonprofit, maybe that's some job security it'll take me, took one year to make something happen on the nonprofit. Maybe we'll take a hundred on JPMC, but it's a fun thing to do. I'm very grateful for that experience. I worked across a lot of different categories, a lot of different businesses, but I don't think we would've been as successful at moving things as fast as JPMC if Tracy and I didn't come from an agency background. There's nothing that can really prepare you for working at JPMC.Damian (04:18):One question I have about that. When you worked on the Truth Initiative project, it sounds like you would have a very clear mission statement. How do you think about that mission statement in your current context, in your current role?David (04:33):So we have, depending on how you count them, between 30 and 40 business units across JPMC globally, and all of them have some desire or ambition to market something out into the world. So I think we treat it as a series of levels. We have corporate level marketing and that's, you know, what does JPMC stand for? What is it doing in the communities? What information do we need to get out? So people do any number of things, either decide to open a banking relationship with us, decide to trust us with their investments or even come to work for our company. We compete on a lot of different fronts. So that's the top. And then from there, we cascade down to business groups, business units. But I think our purpose as recently defined by Carla is to make dreams happen for everyone everywhere, every day. And I think that's the culture that we try to carry through in the marketing decisions that we make. Yes, of course we want to open more accounts, but also we want to do right by our customers and make people understand that not only is this a great place to work, it's a great place to bank, but there's a lot of good that's happening from business that originates from JPMorgan Chase.Ilyse (05:42):It can be a tricky sector to markets because it's so heavily regulated - finance that is. I'm curious what your media strategy looks like. What kind of customer insights can you rely on to inform your overall media plan?David (05:59):Yeah, so we do a lot of design target work. We do a lot of segmentation, but I think specific to media, we treat our media strategy a lot more like financial planning and analysis in that we are – it's a couple things: One, if we don't make more than we spend, we're a bank, we're probably not going to get that money again. So we treat an initial investment as very sacrosanct. We need to be very disciplined in the way that we spend it and use the best information we have to make sure it'll be a success. And then we try to get better over time. So we work with our finance partners in every business to understand what are the financials of each product, how are they changing, what do we know about the interaction effect of the channels that we market and the other channels that we use for marketing?(06:44):And how do we triangulate and forecast forward what we think that benefit will be and then prove that out over time through testing. In that respect, the notion of a campaign is important in the sense that it's an organizing construct to get work done and there's a message that runs and we create a message and it runs in the advertising space, and we're trying to get better at quantifying that impact. What does good creative look like and what does bad creative look like and what does that do for the business? But for us, we buy, for lack of a better word, blank space for another message to be put in. And so we've built a lot of muscle memory over time on what works in one business, how do we adapt it to another? Our business is similarly situated so that we can believe that this will be a predictable outcome for the foreseeable future. How long do we think this outcome will last? And then the proof is in, do we hit our numbers at the end of the year?Damian (07:33):You've touched on this a little bit Ilyse, but it's a sector, the finance sector is a conquesting sector in some ways, and on the face of it, there may seem to be little differentiation between one big bank and another. But I'm curious from your point of view in terms of branding, how do you think about JPMC setting itself apart? What are its differentiating points and how does that manifest itself in how you think about your work?David (07:58):Right. Yeah. So it's very important for me to keep one foot out of JPMC and not think like a marketer but think like a human being. And in that respect, if you open a checking account, you open a savings account, generally speaking, those are going to be pretty similar products from bank to bank. But I think where the real race is right now in financial services is experiences. So how do we deliver value to you by being an account holder of one of our products? And how is that different from the way that you are treated or the way that you might feel or the things that you can experience or unlock through other products? We have a pretty robust travel platform and dining platform. We invest heavily in bonus accelerators for travel and dining and other spaces. And we're starting to open progressively larger lounge business in addition to our branches. So we treat all of those as places where we can make an impression on people to give them an experience that is, for lack of a better word, white glove.David (09:00):That they couldn't get anywhere else and trying to make the differentiation on those experiences. And I think that's where the biggest battleground is.Damian (09:07):It's so interesting to me to hear you talk like that and how a company like JPMorgan Chase is actually thinking about lifestyle and experiences and in lots of ways you are marketing a membership or a membership of a kind of elite club, if you like. Is that fair?David (09:24):I think for some of our products, we compete in affluent and there's a lot of benefits that we give to affluent account holders that are meant to give unforgettable experiences, experiences they can't get anywhere else. But I think even our core experience in branches, we want that to be a differentiating factor too. So we invest totally separate from marketing, but we invest a lot in making sure that our bankers have the right information about the customers that they're serving at their fingertips so that when someone comes in and has a question that they know the entire history of that person's relationship. And then in call centers as well, investing a lot in applied AI and ML to do the same thing. So if you call, we want to understand exactly who you are and help get you the help that you need as quickly as possible. We treat all of our products across the spectrum as trying to be differentiated in that way.Damian (10:14):So maybe it's a better way to talk about it as you think about the different customer experiences at different levels.David (10:19):Right, yes.Ilyse (10:21):Yeah, I would say that's definitely like a audience first approach to marketing. What about when it comes to buying ad space and media space?David (10:31):Yea, so without going into too much detail about the secret sauce, I'll say that we obviously have relationships with a quarter of the United States in terms of our customers and our households that bank with us and millions of small businesses as well. There's a lot of information that's proprietary to us that we are able to leverage and we take the protection of that data very seriously. There's a lot that we can't use and we can't access and we have to secure approval to get it. But I think generally speaking, our products are aligned to a series of firm-wide strategic segments, and we track growth against those segments. That's at the highest level and as you go progressively lower the matrix of the audiences that we might use or the audience we might prioritize becomes more matrixed and complex. But we have an audience centric approach to targeting. We are getting better in our capabilities to orchestrate journeys. So I think our ambition or our desire is to be as close to one and personal as we can be given the restrictions that we have in data access.Ilyse (11:36):So your digital marketing strategy definitely signals a future that is focused on measurable outcomes. I'm curious about how you're using channels like CTV and digital out of home to connect that brand awareness with that performance level.David (11:54):Sure. So I would say our strategy has been focused on measurable outcomes since day one. As I mentioned, we wouldn't get money if we weren't able to prove that it was working. But we also think about media in a full funnel context. So awareness drives consideration, drives acquisition, and they're all tied to a person and that person is interacting with multiple messages every day. So I think in the past, and what we're trying to progress away from is the campaign specific mindset. Every product works in a silo, they're all targeting a general audience. And once a product launches on awareness channels, we're no longer on awareness channels. So we've spent a lot of time proving that interaction effect between awareness and consideration acquisition so that we can say what's happening up here is benefiting up here, but we also know the unique benefit of what's happening at the top.(12:44):But I think the two biggest things holding CTV back at the moment for us, I can't speak for the rest of the advertising industry, and it seems like they're spending a lot, is price and brand safety. So on the price front on average CTV ads among publishers, I will not name are two to three times higher than broad reach cable or some mix that's more efficient in nature. Brand safety is another in that you can buy an unlimited amount of CTV that's running in a lot of different fragmented places who you choose to buy it direct. You can choose to buy it through a hardware provider or you can choose to buy it in some app aggregator and all of those will air to some household in some content somewhere. And you know what the household is. So where we've been pushing a lot on brand safety is can we get, it doesn't have to be similar to TV per se, but we definitely need to know what programming we're running against.(13:38):Especially if we're talking about long tail connected TV programming. Most of it's not brand safe, but there's a lot of connected TV content that's tied to children's programming. And if it's going to a household and we can't exactly confirm where that ad brand, who knows, we're running against 12 year olds this entire time. So we're pushing for more information back through brand safety vendors and publishers to validate exactly where that's running in the same context or in a similar context to TV logs. I think once that happens, we invest in the same way that we would anywhere else.Ilyse (14:16):Do you think it'll get there sooner rather than later? David (14:19):Or is the data incoming?David (14:22):I think so. Brand safety technology really just as a matter of getting the information from the hardware or the app provider itself.Damian (14:32):As we look back 2024, we wrote a lot about how the upfronts were changing and there's been a lot of press about upfronts changing. What's your perspective on the upfronts? You talked a little bit about the differences between linear and CTV. Has that impacted the way you think about your products across linear and streaming? How has the upfronts changed things, speeded things up, slowed things down.David (14:55):So the upfronts are always, I don't know if I'm, was it masochist or sadist, but the upfronts are usually my favorite part of the year because you can get a lot of decisions done at the same time and you can look much longer term than sometimes even my agency days clients or in our cases the business are thinking themselves. So it forces a lot of conversations on what is the outlook of the business, what is the outlook of the products you're prioritizing? And then on the other side, how have macro changes impacted what we think will work and at what price? So I don't think it's an exaggeration to say the last four years more has changed in consumption patterns than the previous 10 before that. I think it has had a pretty massive impact on the marketplace in that anyone who's watched cable TV recently will watch endless reruns on cable tv. And so it's really just a matter of capturing passive intent. There's not all that much original content that is being developed specifically for TV anymore.(15:59):So it's a bit more like, I don't know, run of network or video advertising 10 years ago. So we have to take those two things and counterbalance if we know that the bulk of live TV is happening with hyper consumers who are watching it a lot and have a different footprint than those who are watching streaming. But we also know that streaming, ad supported streaming is a very small portion of the total streaming universe. How do we munge those two things together to find the right opportunity? And how do we validate that change is ultimately resulting in a response among the people that are most likely to respond for a particular product or service advertising. This year we undertook a big evaluation. Essentially it felt like the inflection point to say, we can't really just go to market in the same way that we always have in the upfront because there's not as much inventory as we want to buy in the upfront, but it's a good opportunity for us to think about what is a holistic video investment long-term and do we make drastic changes this year or do we make drastic next year?(16:58):So we essentially undertook a process where we built versions of that strategic segmentation that I mentioned where all of our products are aligned against, and then flip that same segmentation around to understand how networks and digital video packages and connected TV packages all reach these different segments. And some of that's a slew of tools, not any one tool has that whole picture. So we use different platforms for different parts of the picture and then started to reorient the entire investment around how do we best reach the people that are most relevant to this product in a way that sort of normalizes the whole investment for the firm.Ilyse (17:43):So this was the first year that you actually looked at all the puzzle pieces, I guess, and put those together. Was there something that inspired that in the market specifically or just the ongoing change throughout the past couple of years?David (18:00):Yeah, I think that what really prompted that change was the options that we have to procure media in different ways. And so now we have different options to say, what is the best method of buying? Is this something that we need to buy as a commodity at the best price? Is this something that we need to buy that's highly targeted to a household, but we need to control the programming? Is this something that we within a reasonable bounds know what the content categories are and we think that there's opportunity in the response of people watching in these content categories in connected tv, or is there on the opposite side a commodity for video where we say if everything's going to run in this standard topic allow list and we're trying to get tonnage but control for the way an ad is served. And that flexibility didn't exist to the extent that it exists now, I think our flexibility to choose those different routes is also relatively recent development through our in housing efforts. And also we have great very flexible agency partnerships to say, we're going to look at this together. We'll figure out the best combination of entities or methods or pipelines to get access to the inventory that we want at the right price. And sometimes that is a collaboration and sometimes it's something we do ourselves. So that flexibility gave us a lot more options to think critically about where and how we secure video upfront inventory.Ilyse (19:27):Traditionally, banks are perceived as brick and mortar establishments, but these days they're all online and digital. How does that change the way you go to market?David (19:39):Right. So each business has some blend of digital and branch originated business. So we think about business bank. If you're a small business owner, you're more likely than not going to go into a branch to make sure you know who the person is that's handling your money for your business. Whereas credit cards are much more digital first. So that blend of who opens, which accounts, where is usually a pretty good predictor of what channels will work well to solicit a response. We have a very big app and website. We're also one of the most conservative cybersecurity companies on earth. So there's a lot of capabilities that marketers like that we will never have or capabilities that we have to work a lot harder to evaluate whether or not it's worth it for us. We treat that as a good challenge.(20:35):If you can't explain exactly where information is going and why it's being used, you probably shouldn't use it in the first place. I don't think that's unique to finance. So we are able use that to our advantage too. So if we're not a first mover and everyone is working out the kinks on our behalf and then we say, okay, we're comfortable with this because we're seeing how the landscape is utilizing this new tool or this new technology or some other part of the technology ecosystem makes it so that we don't have to use it in the way that it is built to be used, but we can customize it and this company will work with us. That helps us to be effective when we need to be effective. And we also don't need to be a first mover because a very small change in improvement for us might be the revenue of an entire company in another place.(21:25):So it's worth it to be methodical and very focused on getting it right, getting things secure, using our digital capabilities in a responsible way. But then I think that the most important thing for us is that our branches, we view our branches as a superpower. It's a place where the vast majority of our customers form an opinion of us. If you go into a branch and don't have a good experience, then you also won't have a good opinion of us. And the marketing effectiveness is partially on what ads you put into market. It's partially based on the impression people have of you, and it's partially based on the opinion that people state of you based on their experience. And so we are always looking for ways to learn from what is working in the branches to improve our marketing capabilities. So I don't think that there's necessarily a trade off. It's trying to find the way that they both benefit each other and then what mix of channels ultimately encourages the type of interest that will grow the business in the unique way the business is configured.Damian (22:23):Great. Thank you so much for these really thoughtful insights.Ilyse (22:26):Yes, thank you so much.Damian (22:33):And that's it for this edition of The Current Podcast. We'll be back next week. So stay tuned.Ilyse (22:38):The Current Podcast theme is by Love and Caliber. The Current team includes Kat Vesce and Sydney Cairns.David (22:44):And remember, we treat our media strategy a lot more like financial planning and analysis. We need to be very disciplined in the way that we spend it and use the best information we have to make sure it'll be a success. Damian (22:54):I'm Damian. Ilyse (22:55):And I'm Ilyse.Damian (22:56):And we'll see you next time. And if you like what you hear, please subscribe and leave as a review. Also tune into our other podcast, The Current Report.

VLOG Aug 7 Trump ruling by NY Justice Merchan pushed back to Sept 16; JPM Chase cites privilege to keep Charlie Javice docs sealed, as FuboTV v Disney hearing largely sealed. @SierraLeoneUN decrepit building defended by State Dept, impunity like @AntonioGuterres

Anjee shares insights from Colliers' consumer studies. She describes the shift from traditional shopping habits to a more digital and socially driven approach, and notes the importance of integrating online and offline shopping experiences in order to cater to modern consumer preferences.Welcome to Elevating Brick and Mortar. A podcast about how operations and facilities drive brand performance.On today's episode, we talk with Anjee Solanki, Head of US Retail at Colliers. Colliers is a leading diversified professional services and investment management company. Colliers maximizes the potential of property and real assets to accelerate the success of clients, investors and people.GUEST BIOIn Anjee's current role, as National Director, Retail Services and Practice Groups for the U.S., she provides strategic leadership to more than 500 retail professionals nationally, covering investment sales, agency, retailer representation, and asset repositioning advisory services.Anjee Solanki brings 30 years of focused retail estate experience, and world-class expertise regarding everything retail to Colliers International. She provides strategic retail advisory services to enhance value for her clients with her expertise in lifestyle, community, power center, neighborhood, mixed-use retail/residential, and resort retail. Her strategy identifies current market and property inefficiencies to capture untapped value through asset repositioning, releasing, redevelopment, rehabilitation, proactive management, and enhanced marketing. Creative problem-solving is her specialty, and she becomes a key stakeholder with national and international retailers, such as JPMC, Opry City Stage/Ole Red and Tim Hortons, and many others. Her highly focused approach reduces the risk profile and provides clients with a thoughtful approach executing strategic multi-year planning initiatives.  TIMESTAMPS**(01:00) – All about Colliers**(03:28) – Anjee's retail outlook**(07:43) – Online vs. Offline shopping**(14:56) – The space supply issue**(19:25) – Physical space creates trust**(32:16) – Future thinking**(39:55) – Big growth strategies**(45:37) – Where to find Anjee**(45:37) – Sid's final thoughtsSPONSORServiceChannel brings you peace of mind through peak facilities performance.Rest easy knowing your locations are:Offering the best possible guest experienceLiving up to brand standardsOperating with minimal downtimeServiceChannel partners with more than 500 leading brands globally to provide visibility across operations, the flexibility to grow and adapt to consumer expectations, and accelerated performance from their asset fleet and service providers.LINKSConnect with Anjee on LinkedInConnect with Sid Shetty on LinkedinCheck out the ServiceChannel Website

News this week as Florida governor Ron DeSantis signs a law restricting social media access for children. Is this the first step to full-on social media verification or just another fruitless attempt to tell people how to parent? Trump's Truth Social goes public and hits meme stock territory. How long with the party last? Spotify adds video learning to its platform. Is YouTube in Spotify's sights? And print is back baby! Hits and misses include a Ryan's World movie and Comscore. Rants and raves include rants against Accenture and Meta's Threads. Sign up to CEX and use code TOM100 to win a guest spot on This Old Marketing. This week's links: Florida Age-Gating Law Trump's Truth Social Meme Stock Truth Social's Revenue Problem Spotify Adds Video Learning Print On the Move Pew Research on Print Comscore Deal Ryan's World Movie Accenture and Adobe AI Release This week's sponsors: Smart sales software for today's multitasking reps that's built to help you manage every stage of your sales pipeline with ease. Work smarter, not harder at Hubspot.com/sales ----- Content Connect 2024 - Join speakers from JPMC, Square, and Marriott, as well as your fellow content, digital and analytics leaders, for a day of keynote sessions, interactive workshops and unparalleled networking opportunities.   If you're interested in attending this free event, please visit knotch.com/contentconnect. ------ Liked this show? SUBSCRIBE to this podcast on Spotify, Apple, Google and more. Catch past episodes and show notes at ThisOldMarketing.com. Catch and subscribe to our NEW show on YouTube. Subscribe to Joe Pulizzi's Orangeletter and get two free downloads direct from Joe. Subscribe to Robert Rose's newsletter at Experience Advisors.

In this special episode #420, Joe and Robert dissect the upcoming Apple/Google deal for AI and the iPhone. Is this a sign of weakness for Apple or are they just buying time? OpenAI's chatbot store is filling up with spam. Are you surprised? And a group of publishing experts launch Authors Equity to give more rights back to authors. Uh, we don't think so. Hits and misses include Liquid Death and Coca-Cola. Rants and raves includes a full overview of the TikTok banning bill and why it's harder to become a creator today. Sign up to CEX and use code TOM100 to win a guest spot on This Old Marketing. This week's links: Don Lemon Pivot Interview Apple and Google to Partner on AI OpenAI Spam New Publishing Model Isn't Great It's Harder to Become a Creator Today No TikTok Bill This week's sponsors: Smart sales software for today's multitasking reps that's built to help you manage every stage of your sales pipeline with ease. Work smarter, not harder at Hubspot.com/sales ----- Content Connect 2024 - Join speakers from JPMC, Square, and Marriott, as well as your fellow content, digital and analytics leaders, for a day of keynote sessions, interactive workshops and unparalleled networking opportunities.   If you're interested in attending this free event, please visit knotch.com/contentconnect. ------ Liked this show? SUBSCRIBE to this podcast on Spotify, Apple, Google and more. Catch past episodes and show notes at ThisOldMarketing.com. Catch and subscribe to our NEW show on YouTube. Subscribe to Joe Pulizzi's Orangeletter and get two free downloads direct from Joe. Subscribe to Robert Rose's newsletter at Experience Advisors.

We are in post-social media and, now, a post-search environment. The next 12 months are critical to start getting your content assets in order for the AI Content wave. The House passes a bill that could lead to a TikTok ban. Uh, we told you so. But does it really matter? Google's Gemini AI refuses to answer political questions (among other things). This leads to a conversation on how AI Truth is coordinated and what we can do about it. MrBeast tells everyone to slow down a bit...that less content is more. Thank you sir! And OpenAI starts doing publisher deals. Hello Google circa 2002. Hits and misses include Kate Middleton and Da'Vine Joy Randolph. Rants and raves include Kara Swisher's new book (rant) and the quote by Sam Altman heard round the world. Sign up to CEX and use code TOM100 to win a guest spot on This Old Marketing. This week's links: TikTok House Ban Google Gemini Is Mum on Elections MrBeast Slows Down OpenAI Publisher Deals Sam Altman and 95 Percent Quote Da'Vine's Oscar Speech This week's sponsors: Smart sales software for today's multitasking reps that's built to help you manage every stage of your sales pipeline with ease. Work smarter, not harder at Hubspot.com/sales ----- Content Connect 2024 - Join speakers from JPMC, Square, and Marriott, as well as your fellow content, digital and analytics leaders, for a day of keynote sessions, interactive workshops and unparalleled networking opportunities.   If you're interested in attending this free event, please visit knotch.com/contentconnect. ----- StreamYard is the easiest way to create content right in your browser. You can multistream to your social media platforms, host a weekly show with special guests, create webinars, record podcasts with local recordings, create videos and more. StreamYard's a popular tool amongst livestreamers, video creators, YouTubers, and podcasters – With features like live streaming, webinars, local recordings, screen sharing and more, StreamYard makes it simple to get professional and polished content every time. Sign up today and get a free trial and lifetime discount.  ------ Liked this show? SUBSCRIBE to this podcast on Spotify, Apple, Google and more. Catch past episodes and show notes at ThisOldMarketing.com. Catch and subscribe to our NEW show on YouTube. Subscribe to Joe Pulizzi's Orangeletter and get two free downloads direct from Joe. Subscribe to Robert Rose's newsletter at Experience Advisors.

In this episode, I speak with Craig Taylor on $24,000 worth of gift cards and a maxed out credit card, a lost $100,000 wire transfer due to an email hack, social media scams and his thoughts on two step verification.★ Craig's Bio: ★ I'm a veteran of Cybersecurity having spent the last 25 years building cybersecurity programs at fortune 500 companies (CSC, JPMC, Vistaprint) and MSPs (Venture, Neoscope). I founded a company that helps MSPs train and test employees in positive, educational, automated, and high compliance ways. My Company CyberHoot is upending the attack-based phish testing industry with novel methods that are more positive, educational, and 100% automated. This helps us reach the most people with quick, engaging, and knowledge building exercises.As the CEO of CyberHoot, I've helped boot-strap this company with a product-market-beating solution. Sold by 140 MSPs to more than 15,000 users a month... our solution is 100% automated and effective at reducing the threat of compromise at SMBs all over the world.I'm a competent Toastmaster, who can actually entertain listeners of your podcast with anecdotes, stories from the trenches, and keep cybersecurity mostly interesting.I was born and raised in Canada, moved to the US where I live today. I'm a hockey nut, mountain biker, golfer, and Rotarian.My mantra is to leave the world a better place than how I found it. With CyberHoot we're succeeding in that mission while making a healthy living.Connect with Craig:https://www.linkedin.com/in/craigmtaylor/https://cyberhoot.com/blog/https://cyberhoot.com/cybrary/

How can business and policy work together to empower communities? Peter Scher, Vice Chairman of JPMorgan Chase, joins the Forbes Books podcast to discuss his unique career journey spanning both worlds. Learn how Peter helped reshape JPMorgan's approach to corporate responsibility in the wake of the 2008 financial crisis. Peter shares his guiding philosophy that business growth relies on community health. He explains how this win-win mindset is fueling JPMorgan's community development initiatives from Detroit to Paris. Tune in for an uplifting conversation about how business can drive systemic change. Peter's relentless optimism and collaborative leadership offer inspiration for making a difference in any field.About Peter Scher: Peter has an impressive story of leadership, beginning his career at JPMorgan Chase (JPMC) over 15 years ago after an accomplished career as a partner at a prestigious law firm and decades in public service. Today he's the Vice Chairman, working closely with our CEO, overseeing several corporate and business functions of the company, including the firm's business impact in communities around the world.During his time at JPMC, Peter has led the evolution of the firm's approach to corporate responsibility—one that now brings in all the resources of the bank to help solve the most pressing societal challenges in communities while driving business growth. He was the architect of a $200 million investment in Detroit's economic recovery following its bankruptcy. And the investment model created in Detroit is one the firm applies across the globe now, including in France.

For this week's episode of Off-Kilter, with October as National Disability Employment Awareness Month, Rebecca sat down with two leaders at JP Morgan Chase (JPMC) who are at the forefront of advancing disability employment within the business and employer community: Bryan Gill, head of JP Morgan Chase's Office of Disability Inclusion and the firm's global head of neurodiversity, and Nan Gibson, executive director of JP Morgan Chase's PolicyCenter. They had a far-ranging conversation about the story behind JPMC's Office of Disability Inclusion and how it's working to remove barriers to hiring and successful employment for disabled people at JPMC; why disability employment and inclusion is both the right thing to do and a business strategy; how JPMC's PolicyCenter is advancing policy and legislative reform to promote disability employment and inclusion across the workforce as a whole; how asset limits hurt JPMC's disabled employees and why JPMC is engaged in the national push to update SSI's antiquated asset limits; efforts JPMC has underway to better serve customers with disabilities as a group who've largely been overlooked within the financial sector; and lots more.   Links from this episode: Learn more about Bryan's work as JPMC's head of neurodiversity and the Office of Disability Inclusion here Read JPMC's brief on how SSI's asset limits hamper economic opportunity and mobility here Learn more about the SSI Savings Penalty Elimination Act here Connect with Bryan and Nan on LinkedIn

VLOG Aug 23: Bankman-Fried intends to blame lawyers for his fraud, files day after flesh diet beef. Crypto Creep book: https://www.amazon.com/dp/B0CFCJ68PS OpenSea Chastain gets 3 months; today Charlie Javice for defrauding JPM Chase, hmm... UN bans Press, hypocrisy

Ever felt like your wheels are spinning out or feel like you are chasing the rat race? Here is what Harry Stone has to say for an intro, and so excited to have him on the Careers in Review Podcast talking about how to find meaning beyond your 9-5. You may ask yourself, how did a mortgage underwriter from Florida become a recruiter at some of the best companies in the world? While pinching myself, I too ask that question, and the answer is through hard work, networking, and a little bit of luck.As a graduate of JPMorgan Chase's Mortgage Banking Credit Program, I started my career working in a highly regulated, fast-paced, and analytical environment. Since then, I've applied my business acumen to the human capital space, and have loved it ever since.With a diverse skillset, I've worked in-house on full-cycle, executive search, and sourcing teams, hiring for various functions around the world. My passion lies in leading and building new teams, and I've been lucky enough to do so at JPMC, Google, WeWork, and TikTok.I have experience leading diversity recruiting events and thrive in driving cultural change through an organization. I'm a die-hard Florida State Seminole fan, concertgoer, and content creator, and look forward to connecting with other LinkedIn users.Connect with HarryConnect with Eddiana

VLOG July 25: In Epstein case, JPM Chase seals most of its filing v USVI. Dirty Doc Hadden, 20 yrs on table. Crypto: Celsius' Mashinsky today, & Tim Shea. UN censors to hide failure on Ukraine, brag$ about Safer in Yemen, no answers: https://www.innercitypress.com/ungate1litmus2023applicationicp061923.html

In this episode, a generation of entitled ingrates. The great divide between so-called Conservatives versus Leftists exists in legislation. A belief in something bigger than oneself.

VLOG July 7: In SDNY, scoop on NYPD detective sleeping w/ intimidating JPM Chase witness https://matthewrussellleeicp.substack.com/p/extra-charged-with-16-million-start in NYS court, arraignment of illegal funder of Eric Adams campaign. UN failure as Guterres silent on Ukraine, defer to French funds of Burma junta

Keita Young is an attorney who is currently Head of Diversity, Equity & Inclusion at FanDuel. After practicing employment law earlier in her career, Keita took an 11-year career break from the legal profession. During that time she was an entrepreneur - owning a children's specialty boutique and eventually relaunched her legal career through JPMorgan Chase's ReEntry Program. She was selected for the inaugural 2014 Legal ReEntry cohort and over the next 8 and 1/2 years, Keita rose in seniority in the legal department, moved to Human Resources to program manage a global diversity strategy and eventually rejoined the legal department to serve as JPMC's Global Head of Outside Counsel Engagement. Keita left JPMC to become the first head of Diversity, Equity, and Inclusion for FanDuel, the fast-growing sports-tech entertainment company. This episode is the podcast version of a previously recorded video interview, aired in its entirety on the iRelaunch website. https://www.irelaunch.com/resources/keita-young-career-path-reaching-senior-level-management

VLOG May 12: Trump appeals Carroll verdict https://www.amazon.com/dp/B0C4WZG4D3 WilmerHale stays in Epstein victims' case v JPMC. Title 42 special: sex abuse of asylum seeker in 26 Federal Plaza NYC. UN fails on Sudan while US brags of work with Saudis, press freedom forgotten

VLOG May 4: Carroll v Trump, the tape; Ed Sheeran jury deliberations, verdict v OpenSea Chastain on NFTs. PacWest teeters after 1st Republic given to JPMC despite Dimon depo https://www.innercitypress.com/bank3pacwestcomerica050423.html; Bragg discovery, UN censorship past WPFD https://www.innercitypress.com/wpfd1aunguterresicp050323.html

In this episode, deeper truths about the events an instigators of J6. Subjectivity has come down to being political. Police robots will not eliminate human responsibility.

In this episode, Welcome the GOP version of AOC. First openly gay non-incumbent Republican elected to the House lied about nearly everything.

Achieving Customer LoveHoward is the Wall Street Journal bestselling author of Winning Digital Customers: The Antidote to Irrelevance which was recently listed by Forbes as “One of the ten most important business books of 2021.”Howard was named by IDG as “One of The Top 10 Digital Transformation Influencers to Follow Today,” and by Enterprise Management 360° as “One of the Top 10 Digital Transformation Influencers That Will Change Your World.”As an entrepreneur, Howard has launched two successful companies that help large brands transform to thrive in the digital age: FROM, The Digital Transformation Agency, and Innovation Loft. Among his dozens of Fortune 1000 clients are Verizon, NBC, Universal Studios, JPMC, Morgan Stanley, the NBA, Visa, and digital leaders like Facebook, Spotify, and Amazon.Prior to founding his own companies, Howard spent 18 years with Ernst & Young Consulting which then became part of Capgemini, one of the world's leading global consulting firms, where he helped launch their digital practice.Howard speaks regularly at major industry conferences and is proud to have been on the faculty of the NYU Tisch School of the Arts, his alma mater. He is a frequent contributor to CIO Magazine.BIGGEST TAKEAWAYS FROM THIS EPISODE:Why achieving customer love is the single most important criteria for business successWhat is the formula for achieving customer loveTransformation process brands can use to improve their fulfillment of the love formulaDownload the first chapter of The Wall Street Journal Bestseller Winning Digital Customers HEREWORK WITH MECOACHES, CONSULTANTS, ENTREPRENEURS & BUSINESS OWNERS if you are ready to step into your power, do what you love, and make your dream business flourish◉ Book a free call with me:☎ http://bit.ly/StrategySessionWithCatherineDownload LinkedIn Decoded eBook: https://www.lhmacademia.com/Visit https://linktr.ee/catherinebroy for more

This. Affects. EVERYONE.   So what the heck does the case in America — with what appeared in 2020 to be the greatest cryptocurrency thus far — have to do with YOU, an everyday citizen of the globe busting your hiney to survive and thrive after 2 years of global lockdowns, more ‘variants' on the way, more ‘mandates' being issued, central banks gobbling up precious metals, CBDC's on the side of evil marketing their immediate issuance of digital ID's, and additional property assaults at every level, and banks going insolvent?    A whole heckuva a lot - that's what.     Sovereign whistleblower, faith-based patriot, and 5th generation Texan James “Jimmy” Vallee, founder of ValHilCapital.com, author, and one of the top attorneys in the States (likely the world in all matters crypto-related), joins us to share why.     You see, last week a Federal Judge issued a statement citing findings the SEC has acted with utter “Hypocrisy” over the nearly 2 year case they're waging upon Ripple, the company which created XRP — which until 2020, was on track to blow past Bitcoin and Ethereum.    The hashtag #ETHGate has been trending back and forth over time, as many cryptocurrency investors, crypto and NFT exchanges, and digital asset analysts have weighed in on the outright preposterousness of a federal agency who deems the two leading crypto's of the world right now (BTC and ETH) to *not* be a security, yet applied a different approach to Ripples XRP.      Why?    Thus far based on documents revealed in the case, it is reported the top two cohorts at the SEC not only have a legal and financial interest in seeing BTC and Ethereum hold the top crypto slots…   Yet (wait for it)…   Just when you thought the crypto world was ‘safe and effective' at assisting you in obtaining financial sovereignty, documents have surfaced all the way back to nearly a decade ago revealing JP Morgan Chase had a massive ownership stake in Layer 1 technology (think ETH and BTC folks)…not only did they have this stake, and likely may have founded its efforts…the top two positions at the SEC whom helped launch the case against Ripple on 12.21.2020 had served JPMC in their legal positions as attorneys working on behalf of Chase bank for decades beforehand.    Let's ignore the fact Binance and Celsius halted BTC withdrawals on their exchanges over a month ago.  Let's not bring light to the issue Three Arrows Capital is insolvent.    If this doesn't have your head spinning, it likely should. Because we'll put it to you this way…as of now, there's upwards of $9 TRILLION in private losses XRP investors are entitled to (not to mention the repercussions as more becomes public regarding what seems to be a massive, corrupt, conspiratorial marketing spin for which at least one of America's biggest banks and others at all levels have made their best efforts to conceal (some like to say they thwart humanity) from discovering since almost the beginning, a collusive syndicate aimed its sinister attempts to deceive the public into thinking Bitcoin and Ethereum's backbone were entirely sovereign.    ~The Bling'd Buddha   PS: Did You Know With The Issuance of 3 Billion People Rolling onto Precious Metals Backed Currencies the past few weeks, Now Experts Predict Physical Silver Bullion's Price Could Leap from approximately $20/ounce to $500/ounce or more!    THIS ALONE COULD literally HELP YOU and all of humanity — even a grocery store clerk dollar cost averaging in — AMASS A FORTUNE in a very, very short period of time.   Dr. Kirk Elliott is a 2x Phd & Sovereign Economist and recurring guest on our show whom Advises Billionaires….to schedule a FREE CONSULTATION with his team now and understand how you can rollover your savings or retirement account into silver penalty-free, visit