Podcasts about Kiplinger

Retirement researcher Stefan Sharkansky explains why the 4% rule often leaves retirees underspending — and how a more flexible, math-driven approach can lead to a better retirement experience. For decades, the 4% rule has been treated as a gold standard for retirement spending. In fact, I made video about it on my YouTube channel. If you ask most retirees how much they can safely spend, the conversation quickly turns to probabilities, simulations, and avoiding failure. But what if the real risk isn't running out of money — it's not using it well? In this episode of Retire Today, I'm joined by Stefan Sharkansky, whose background in math and computer science led him to question how retirement spending strategies are actually designed — and what they optimize for. As Stefan put it plainly, “Under the average market scenario, following the safe withdrawal rate of 4% would leave you with more when you passed away than when you started.” In other words, many retirees are leaving too much money on the table in their retirement spending plan. The Problem With “Safe” Withdrawal Rates Most retirement spending research focuses on one outcome: not running out of money. Advisors often present plans as probabilities — a 90% or 95% chance of success — where “success” means the portfolio never hits zero. But this framing runs the risk of missing what retirees actually care about. After all, if you have a 90% probability of success, what that really means is that 89% of the time, you could have spent more. That insight flips traditional planning on its head. Instead of asking, “What's the safest amount I can withdraw?” the better question becomes, “What level of spending lets me live well — while staying adaptable if conditions change?” Why Retirement Spending Isn't Constant One major flaw in the 4% rule is the assumption that spending stays flat year after year. Real life doesn't work that way. Spending often starts higher in early retirement with travel and experiences, dips in later years, then rises again due to healthcare needs. Taxes also change as retirees shift between taxable accounts, IRAs, and Roth accounts. As Stefan noted, “This idea of constant spending never exists in the real world.” Any retirement spending plan that assumes otherwise is solving the wrong problem. A Salary-and-Bonus Approach to Retirement Stefan's research introduces a different framework — one that mirrors how people actually lived during their working years. He described a model where retirees create: A stable, inflation-protected income base using Social Security and a ladder of TIPS (Treasury Inflation-Protected Securities) A variable ‘bonus' income driven by long-term stock performance “You have your salary from Social Security and your TIPS,” Stefan explained, “and then you get a bonus based on how the stock market does.” In strong markets, spending can increase. In weaker years, spending adjusts — while working to help maintain long-term security. The key is that adjustment is assumed, not treated as failure. Rethinking Risk Tolerance Traditional risk tolerance focuses on portfolio volatility — how much account values swing up and down. Stefan argues retirees should think differently. “Risk tolerance should be about how much variability in income you're comfortable with,” he said, “not just what percentage of stocks and bonds you hold.” Some retirees prefer a higher guaranteed income floor with less variability. Others are comfortable with more income fluctuation in exchange for higher long-term spending. The right plan aligns income stability with personal preferences — not arbitrary rules. Why This Matters Many retirees say the 4% rule “doesn't work for them” — not because it's unsafe, but because it doesn't generate enough income to support the life they want. Stefan's research shows that when you plan for flexibility, rather than perfection, you can often spend more, not less — while still maintaining control. The goal isn't to maximize your ending balance. It's to maximize your retirement experience. Ultimately, you need to make your retirement spending plan in a way that not only is within your means, but meets your retirement goals.  Don't forget to leave a rating for the “Retire Today” podcast if you've been enjoying these episodes! Subscribe to Retire Today to get new episodes every Wednesday. Apple Podcasts: https://podcasts.apple.com/us/podcast/retire-today/id1488769337  Spotify Podcasts: https://bit.ly/RetireTodaySpotify About the Author: Jeremy Keil, CFP®, CFA is a retirement financial advisor with Keil Financial Partners, author of Retire Today: Create Your Retirement Income Plan in 5 Simple Steps, and host of the Retirement Today blog and podcast, as well as the Mr. Retirement YouTube channel. Jeremy is a contributor to Kiplinger and is frequently cited in publications like the Wall Street Journal and New York Times. Additional Links: Buy Jeremy's book – Retire Today: Create Your Retirement Master Plan in 5 Simple Steps Is the 4% Rule Outdated? New Research Reveals the TRUTH – Mr. Retirement YouTube Channel Stefan Sharkansky on LinkedIn TheBestThird.com  Connect With Jeremy Keil: Keil Financial Partners LinkedIn: Jeremy Keil Facebook: Jeremy Keil LinkedIn: Keil Financial Partners YouTube: Mr. Retirement Book an Intro Call with Jeremy's Team Media Disclosures: Disclosures This media is provided for informational and educational purposes only and does not consider the investment objectives, financial situation, or particular needs of any consumer. Nothing in this program should be construed as investment, legal, or tax advice, nor as a recommendation to buy, sell, or hold any security or to adopt any investment strategy. The views and opinions expressed are those of the host and any guest, current as of the date of recording, and may change without notice as market, political or economic conditions evolve. All investments involve risk, including the possible loss of principal. Past performance is no guarantee of future results. Legal & Tax Disclosure Consumers should consult their own qualified attorney, CPA, or other professional advisor regarding their specific legal and tax situations. Advisor Disclosures Alongside, LLC, doing business as Keil Financial Partners, is an SEC-registered investment adviser. Registration does not imply a certain level of skill or expertise. Advisory services are delivered through the Alongside, LLC platform. Keil Financial Partners is independent, not owned or operated by Alongside, LLC. Additional information about Alongside, LLC – including its services, fees and any material conflicts of interest – can be found at https://adviserinfo.sec.gov/firm/summary/333587 or by requesting Form ADV Part 2A. The content of this media should not be reproduced or redistributed without the firm’s written consent. Any trademarks or service marks mentioned belong to their respective owners and are used for identification purposes only. Additional Important Disclosures

Author Jesse Hurst explains how retirement planning helps reduce the guesswork of retiring through his book “PopEnomics”. A lot of people approach financial planning with one big fear: that it's going to feel restrictive. Budgets. Rules. Spreadsheets. Being told what you can't do with your money. But in this episode of Retire Today, I sat down with Impel Wealth Management president and author of “PopEnomics”Jesse Hurst to talk about why that assumption gets things exactly backward — and how the right kind of planning actually creates freedom. As Jesse put it early in our conversation, “A lot of people think financial planning is very constrictive… and I think it's exactly the opposite. I think it's very freeing.” Why Guessing Is the Default (and the Problem) Most people don't lack motivation. They lack clarity. Jesse explained that many retirees have vague hopes rather than defined goals. “Someday I want to retire and live a comfortable life,” sounds nice — but it's not a plan. Without specifics, people end up guessing on some of the most important decisions of their financial lives. How much should I save?Should I prioritize paying off the mortgage?Is Roth or pre-tax better for me?Am I saving enough — or too much? Without a defined target, people default to hearsay. “My coworker did this.” “I read an article that said 8% is enough.” That's not planning — it's outsourcing your decisions to someone else's guess. Why Stories Stick When Numbers Don't Jesse has a way with analogies. By tying retirement planning ideas to pop culture — music, movies, and familiar stories — he finds people actually remember them. During the COVID period, Jesse began using pop-culture analogies more intentionally. One comparison between Federal Reserve policy and the movie Animal House took off online — and made him realize he'd found a powerful teaching tool. That insight ultimately led to his book PopEnomics, where retirement planning meets rock anthems, movie classics, and everyday analogies. Access to Information Isn't the Same as Wisdom One of the most important observations Jesse shared came from reflecting on his decades in the profession. Early in his career, the challenge was simply educating people about what options existed. Today, the challenge is the opposite. “There's a big difference between access to information and the wisdom to apply it,” Jesse said. Retirees today are overwhelmed with data — articles, headlines, opinions — but often still unsure what applies to them. That's where planning shifts from information to interpretation. The Retirement Puzzle Jesse described retirement planning as a puzzle — one where each piece matters. You can't decide how to invest if you don't know when you'll retire.You can't know how much risk to take if you don't know when you'll need the money.You can't spend confidently if you don't know whether your income supports it. One story he shared involved a couple who lost track of where they stood financially after COVID, inflation, and market volatility. Using an airport analogy, Jesse explained, “If you don't know where you are, you can't figure out how to get to your gate.” Clarity begins with knowing your starting point. The Saver's Mindset — and the Permission Problem Many people who retire successfully built wealth through discipline — spending less than they earned, avoiding debt, and saving consistently. But those same habits can make it emotionally difficult to switch from accumulation to spending. As Jesse explained, “They have a hard time giving themselves permission to spend.” He shared a powerful story of longtime clients who had ample income and assets — but struggled to enjoy them. The breakthrough came when they realized that if they didn't use their money intentionally, someone else eventually would. That shift — from fear to permission — is often one of the most important transitions in retirement. The Bottom Line Financial planning isn't about restriction. It's about clarity. When you know what you're saving for, what you've already done, and what your money can support, decisions become easier. Spending becomes intentional. And retirement becomes something you can enjoy — not just hope works out. Don't forget to leave a rating for the “Retire Today” podcast if you've been enjoying these episodes! Subscribe to Retire Today to get new episodes every Wednesday. Apple Podcasts: https://podcasts.apple.com/us/podcast/retire-today/id1488769337  Spotify Podcasts: https://bit.ly/RetireTodaySpotify About the Author: Jeremy Keil, CFP®, CFA is a retirement financial advisor with Keil Financial Partners, author of Retire Today: Create Your Retirement Income Plan in 5 Simple Steps, and host of the Retirement Today blog and podcast, as well as the Mr. Retirement YouTube channel. Jeremy is a contributor to Kiplinger and is frequently cited in publications like the Wall Street Journal and New York Times. Additional Links: Buy Jeremy's book – Retire Today: Create Your Retirement Master Plan in 5 Simple Steps Create Your Retirement Master Plan in 5 Simple Steps Jesse Hurst on LinkedIn Impel Wealth Management PopEnomics.com  PopEnomics: 12 Relatable (and Not Boring) Pop Culture Insights for Retirement Success Jesse Hurst on YouTube Jesse Hurst on Instagram Jesse Hurst on X Connect With Jeremy Keil: Keil Financial Partners LinkedIn: Jeremy Keil Facebook: Jeremy Keil LinkedIn: Keil Financial Partners YouTube: Mr. Retirement Book an Intro Call with Jeremy's Team Media Disclosures: Disclosures This media is provided for informational and educational purposes only and does not consider the investment objectives, financial situation, or particular needs of any consumer. Nothing in this program should be construed as investment, legal, or tax advice, nor as a recommendation to buy, sell, or hold any security or to adopt any investment strategy. The views and opinions expressed are those of the host and any guest, current as of the date of recording, and may change without notice as market, political or economic conditions evolve. All investments involve risk, including the possible loss of principal. Past performance is no guarantee of future results. Legal & Tax Disclosure Consumers should consult their own qualified attorney, CPA, or other professional advisor regarding their specific legal and tax situations. Advisor Disclosures Alongside, LLC, doing business as Keil Financial Partners, is an SEC-registered investment adviser. Registration does not imply a certain level of skill or expertise. Advisory services are delivered through the Alongside, LLC platform. Keil Financial Partners is independent, not owned or operated by Alongside, LLC. Additional information about Alongside, LLC – including its services, fees and any material conflicts of interest – can be found at https://adviserinfo.sec.gov/firm/summary/333587 or by requesting Form ADV Part 2A. The content of this media should not be reproduced or redistributed without the firm’s written consent. Any trademarks or service marks mentioned belong to their respective owners and are used for identification purposes only. Additional Important Disclosures

On this week's episode of "Investing Simplified," hosts Matt Sudol & Matt Mai emphasized the value of proactive, personalized financial advice tailored to each person's life stage and goals, highlighting that managing investments involves understanding both the fear of market losses and the temptation of chasing big gains. They unpacked how slow, steady investing—balancing risk and focusing on long-term objectives—can often provide calmness than reactionary moves during periods of volatility. The two also delved into FOMO, or the Fear of Missing Out, along with the Fear of Loss.The show continued with a focus on retirement planning, referencing a recent Kiplinger article that laid out a four-step retirement roadmap: review your current situation, identify risks and gaps, strategize your approach, and execute the plan. Matt and Matt stressed the ongoing challenge of market volatility, health care costs, inflation, and taxes—especially in states like Oregon and Washington with lower estate tax thresholds. Throughout, the hosts invited listeners to seek professional guidance, reminding them that personalized consultation can help demystify complex topics and ensure they're on the right financial path.Navigating the world of finance can be overwhelming, especially when biased advice and outdated strategies cloud the path to financial success. That's why Price Financial Group Wealth Management created Investing Simplified — a podcast dedicated to demystifying the complexities of finance and investing. Join our experienced hosts and guest experts as they break down financial concepts into practical, actionable insights. Whether you're a seasoned investor or just getting started, Investing Simplified is your go-to resource for honest advice and proven strategies to help you build a confident financial future. Meet the Hosts: Matt Mai - CIO & Wealth Manager Matt Sudol - COO & Wealth Manager Bo Caldwell - CCO & Wealth Manager Tune in and take charge of your financial journey with clarity and confidence! Schedule A Complimentary Consultation

Will Muschamp is back! PK and Akina are out. What does it mean for the Texas defense, why did Sark make the move, and what does it portend for future moves on the offensive and defensive side of the ball. Will Texas need to increase their whiteboard budget? The boys talk about that and a lot more...Congratulations to Longhorn Bo Robinson and the Yoakum Bulldogs 3A state champions! The time is now for your new mortgage or refi with Gabe Winslow at 832-557-1095 or MortgagesbyGabe. Then get your financial life in order with advisor David McClellan 312-933-8823 with a free consult: dmcclellan@forumfinancial.com. Read his retirement tax bomb series at Kiplinger! https://www.kiplinger.com/retirement/retirement-planning/605109/is-your-retirement-portfolio-a-tax-bomb Need a great CenTex realtor? Contact Laura Baker at 512-784-0505 or laura@andyallenteam.com.

Do You Really Want to Disinherit a Family Member? Episode 362 – So, you've been estranged from one of your children for years now. Your feelings are hurt, and the relationship seemingly has no chance of recovery. Now what? You can certainly disinherit your child if you wish. But beware: it's more complicated than you may realize. More SML Planning Minute Podcast Episodes Transcript of Podcast Episode 362 Hello, this is Bill Rainaldi, with another edition of Security Mutual's SML Planning Minute. In today's episode: do you really want to disinherit a family member? It's not easy. So, you've been estranged from one of your children for years now. Your feelings are hurt, and the relationship seemingly has no chance for recovery. Now what? You're feeling a strong urge to disinherit your child. It's your money, and you're certainly entitled to do that if you want. But beware: it's more complicated than you may realize. There are many potential reasons that a parent might consider disinheriting a child. Disinheritance sometimes comes into play with large estates, family business interests and blended families.[1] But there are other potential issues. You may have an heir who can't control their spending, has other disabilities or doesn't share your philanthropic ideas. But there's a significant downside. As author Susan Lipp pointed out in an article for Wealth Management, the emotional effects of disinheriting a child could destroy their physical and mental well-being. And it might not even have its intended effect. Eliminating a family member as an estate beneficiary isn't likely to change anybody's mind, and perhaps even worse, it may result in expensive litigation.[2] Ok so, in spite of all the potential headaches, you've decided that there's no going back. You're going to take the plunge and formally disinherit someone. Now what? Of course, you're going to need the help of an experienced estate attorney. He or she can help you avoid some potential traps you might not be aware of. The attorney would likely want to carefully explain one of those traps: you ‘re going to need to be specific when you disinherit someone. In other words, it's usually not enough to just leave your child's name out of your will. You'll need to explicitly state that you're excluding this person. Otherwise, a court might conclude that you accidentally omitted this individual rather than doing so deliberately.[3] Remember, you won't be there to argue otherwise. Also, disinheriting one child while favoring another child may foster ill-will or even animosity between them after your death and disrupt family harmony. You may want to avoid that if you can. And your attorney is also likely to remind you of how important it is to keep your will up-to-date. No matter how awful things are right now, reconciliation might still be possible someday. Also, there may be children born after the will is executed. They will need to be accounted for, one way or another. If your disagreement is with your children, one relatively simple idea might be to skip a generation and give the money to your grandkids. But beware. For a wealthy family, these types of gifts can be made impractical by the Generation Skipping Transfer Tax, or GST. If applicable, the GST Tax rate is a flat 40 percent. Thankfully, under current tax law, the GST tax will only affect wealthy individuals representing less than 1% of the population.[4] But there's more. Direct gifts to grandchildren can make the already frayed emotional situation even worse. Some experts feel that such a maneuver would be seen as an even bigger insult and would cause more damage than simply disinheriting everyone.[5] And, as we've discussed many times on this program, don't forget to look at beneficiary designations. If you've made the difficult decision to disinherit someone, the last thing you want is for that person to get an accidental inheritance simply because you forgot to take their name off your insurance policy, retirement account or bank accounts. It can also get tricky if you're dealing with a potential surviving spouse. You may not be able to disinherit your estranged spouse even if you say so in your will. It varies by state, but most states simply do not allow you to disinherit your surviving spouse.[6] Note that the same does not apply for a divorced ex-spouse, although things are a bit more complicated if you live in a Community Property state such as California or Texas.[7] Furthermore, it can be very difficult to completely disinherit minor children while they remain of minor age. Again, the law varies by state, but state law generally mandates that the assets from your estate be available to pay for the care of your minor children.[8] Rather than a complete disinheritance, families may have another option. One idea is that parents can place their family bequests into a trust with a third-party trustee. They would then appoint trustees who they believe share their philosophy. A properly structured trust can go a long way in resolving these issues in the best way possible, without technically disinheriting anyone. Do you still want to go through with this? You need to also consider the impact of a possible role reversal later in life. As a parent ages, it is common for the elderly to become dependent on their children for support. Disinheriting the child would undoubtedly make the situation much more complicated and could make things much worse for the parent in their later years. As with many things, it pays to think carefully before you act. It's not going to be cheap, and it might not accomplish what you want. How you decide to treat your children in your estate plan says a lot about yourself as well as them. Perhaps, not disinheriting a child who has caused you heartache can send a message of love and forgiveness. [1] Erskine, Matthew “How To Legally Disinherit Family Members.” www.fa-mag.com.. https://www.fa-mag.com/news/prince-andrew-and-king-charles–how-to-legally-disinherit-family-members-84794.html (accessed November 20, 2025). [2] Lipp, Susan. “Disinheriting Family Members With Different Political Beliefs.” Wealthmanagement.com. https://www.wealthmanagement.com/wealth-management-industry-trends/disinheriting-family-members-with-different-political-beliefs (accessed November 17, 2025). [3] Erskine, Matthew. “How To Legally Disinherit Family Members.” www.fa-mag.com.. https://www.fa-mag.com/news/prince-andrew-and-king-charles–how-to-legally-disinherit-family-members-84794.html (accessed November 20, 2025). [4] Gravelle, Jane G. “The Generation-Skipping Transfer Tax (GSTT).” Congressional Research Service. https://www.congress.gov/crs_external_products/IF/PDF/IF13053/IF13053.2.pdf (accessed December 9, 2025). [5]  Lipp, Susan. “Disinheriting Family Members With Different Political Beliefs.” Wealthmanagement.com. https://www.wealthmanagement.com/wealth-management-industry-trends/disinheriting-family-members-with-different-political-beliefs (accessed November 17, 2025). [6] Erskine, Matthew “How To Legally Disinherit Family Members.” www.fa-mag.com. https://www.fa-mag.com/news/prince-andrew-and-king-charles–how-to-legally-disinherit-family-members-84794.html (accessed November 20, 2025). [7] Id. [8] LeValley, Donna. “Six Reasons to Disinherit Someone and How to Do It.” Kiplinger.com. https://www.kiplinger.com/retirement/estate-planning/reasons-and-how-to-disinherit-someone (accessed November 18, 2025). More SML Planning Minute Podcast Episodes This podcast is brought to you by Security Mutual Life Insurance Company of New York, The Company That Cares®. The content provided is intended for educational and informational purposes only. Information is provided in good faith. However, the Company makes no representation or warranty of any kind regarding the accuracy, reliability, or completeness of the information. The information presented is designed to provide general information regarding the subject matter covered. It is not to serve as legal, tax or other financial advice related to individual situations, because each individual's legal, tax and financial situation is different. Specific advice needs to be tailored to your situation. Therefore, please consult with your own attorney, tax professional and/or other advisors regarding your specific situation. To help reach your goals, you need a skilled professional by your side. Contact your local Security Mutual life insurance advisor today. As part of the planning process, he or she will coordinate with your other advisors as needed to help you achieve your financial goals and objectives. For more information, visit us at SMLNY.com/SMLPodcast. If you've enjoyed this podcast, tell your friends about it. And be sure to give us a five-star review. And check us out on LinkedIn, YouTube and Twitter. Thanks for listening, and we'll talk to you next time. Tax laws are complex and subject to change. The information presented is based on current interpretation of the laws. Neither Security Mutual nor its agents are permitted to provide tax or legal advice. The applicability of any strategy discussed is dependent upon the particular facts and circumstances. Results may vary, and products and services discussed may not be appropriate for all situations. Each person's needs, objectives and financial circumstances are different, and must be reviewed and analyzed independently. We encourage individuals to seek personalized advice from a qualified Security Mutual life insurance advisor regarding their personal needs, objectives, and financial circumstances. Insurance products are issued by Security Mutual Life Insurance Company of New York, Binghamton, New York. Product availability and features may vary by state.​ SubscribeApple PodcastsSpotifyAndroidPandoraBlubrryby EmailTuneInDeezerRSSMore Subscribe Options

Paul and Randy break down the Michigan scandal, discuss the portal, ponder the Top 50 most watched games in college football, ponder the Big 12's total inability to draw viewers and how the networks got suckered into a bad B12 deal not realizing how much Texas buoyed the entire conference. Also, Randy has joined the elite youth sport coaching ranks with Paul. The time is now for your new mortgage or refi with Gabe Winslow at 832-557-1095 or MortgagesbyGabe. Then get your financial life in order with advisor David McClellan 312-933-8823 with a free consult: dmcclellan@forumfinancial.com. Read his retirement tax bomb series at Kiplinger! https://www.kiplinger.com/retirement/retirement-planning/605109/is-your-retirement-portfolio-a-tax-bomb Need a great CenTex realtor? Contact Laura Baker at 512-784-0505 or laura@andyallenteam.com.

Stijn Schmitz welcomes Lyn Alden to the show. Lyn Alden is founder of Lyn Alden Investment Strategy. In this comprehensive interview, Alden discusses her “gradual print thesis” and the current macroeconomic landscape, focusing on fiscal dominance and potential long-term economic challenges facing developed countries, particularly the United States. Alden argues that the United States is entering a period of sustained fiscal challenges, characterized by large structural deficits and a complex monetary environment. She suggests the country is transitioning from monetary tightening to monetary loosening, with significant implications for asset allocation. Unlike emerging markets that experience rapid currency debasement, developed countries like the US have more flexibility due to global demand for their currency and extensive international financial infrastructure. Find Out More About Palisades Goldcorp, Canada’s Leading Junior Resource Investment Company:► Website: https://palisades.ca Palisade Radio Links:► Website & Newsletter: https://palisadesradio.ca► Rumble: https://rumble.com/c/c-1586024 The discussion explores historical parallels, particularly drawing comparisons to the 1940s-1970s period. Alden emphasizes that while direct comparisons are impossible, certain patterns emerge, such as the importance of owning hard assets during periods of monetary expansion. She recommends diversifying across scarce assets like equities, real estate, precious metals, and select commodities, while being cautious of overvalued investments. Demographic challenges play a crucial role in Alden’s analysis. She challenges the notion that aging populations are inherently deflationary, arguing that extensive entitlement systems and continued consumption by older populations can actually drive inflationary pressures. This perspective suggests a more complex economic landscape than traditional models predict. Regarding potential investment opportunities, Alden highlights regions like Japan, Latin America, and parts of Southeast Asia as potentially attractive. She’s particularly bullish on assets that are currently undervalued and have long-term potential, such as regional banks, Bitcoin, energy infrastructure, and select international markets. Ultimately, Alden views the current economic environment as part of a broader “fourth turning” cycle, characterized by increasing political volatility and structural economic challenges. She anticipates a gradual process of economic adjustment rather than a sudden, dramatic collapse, advising investors to remain diversified and adaptable. Timestamps:00:00:00 – Introduction00:00:47 – Gradual Print Thesis00:02:10 – Fiscal Dominance Explained00:04:20 – Outgrowing Debt Challenges00:07:42 – Inflation Spectrum Assets00:10:43 – Reshoring Industrial Base00:15:38 – Treasury Auction Risks00:17:10 – Debt Crisis Timeline00:20:18 – Fourth Turning Parallels00:22:10 – Demographic Inflation Pressures00:28:35 – Historical Debt Cycles00:31:02 – Portfolio Allocation Advice00:50:12 – Concluding Thoughts Guest Links:X: https://x.com/LynAldenContactWebsite: https://lynalden.comAmazon Book: https://tinyurl.com/lynaldenc Lyn Alden is editor and publisher of LynAlden.com, where she has both a subscription and a free financial newsletter. She says, “Her background lies at the intersection of engineering and finance.” Her site provides investment research and strategy, covering stocks, precious metals, international equities, and alternative investments, with a specialization in asset allocation. Whether you’re new to investing or experienced, there’s a lot there for you. Lyn has a bachelor’s degree in electrical engineering and a master’s degree in engineering management, focusing on engineering economics and financial modeling. She oversees the finances and day-to-day operations of an engineering facility. She has been performing investment research for over fifteen years in various public and private capacities. Her work has been editorially featured or cited on Business Insider, Marketwatch, Time’s Money Magazine, The Daily Telegraph, The Philadelphia Inquirer, The Street, CNBC, US News and World Report, Kiplinger, and The Huffington Post. She has also appeared on Real Vision, The Investor’s Podcast Network, The Rebel Capitalist Show, The Market Huddle, and many other podcasts. She is also a regular contributor to Seeking Alpha, FEDweek, and Elliot Wave Trader.

Marriage, kids, and money — three things that can make life beautiful and stressful at the exact same time. But how do you build wealth and still have time for your family? Finance coach Andy Hill faced this exact question, and his answer was a step-by-step approach that feels doable and actually creates time freedom. In this episode, he shares how he and his wife went from a negative $50K net worth to building generational wealth for their family. You'll walk away with ideas to teach your kids money habits early and make giving fun! Topics discussed: Introduction (00:00) Andy's path to becoming a finance coach (00:59) Mission of the Marriage, Kids, and Money podcast (04:19) What it means to "create your own pension" today (06:43) Lessons in talking money and working with your spouse (09:15) How becoming a parent changed his view on money (12:21) Why he brings his kids on the podcast (16:08) Tips for parents to teach their kids good money habits (19:15) The 60/40 generational wealth plan for kids (21:11) Fintech tools that make teach money habits easier (22:18) The power of giving and how to make it fun for kids (23:26) Key takeaways from his book, Own Your Time (27:56) What brought you JOY today? (30:41) Resources: Sending your child to college will always be emotional but are you financially ready? Take the College Readiness Quiz for Parents: https://www.mitlinfinancial.com/college-readiness-quiz/ Doing your taxes might not be enJOYable but being more organized can make the process less painful. Get Your Gathering Your Tax Documents Checklist: https://www.mitlinfinancial.com/wp-content/uploads/2024/06/Mitlin_ChecklistForGatheringYourTaxDocuments_Form_062424_v2.pdf Will you be able to enJOY the Retirement you envision? Take the Retirement Ready Quiz: https://www.mitlinfinancial.com/retirement-planning-quiz/ Connect with Larry Sprung: LinkedIn: https://www.linkedin.com/in/lawrencesprung/ Instagram: https://www.instagram.com/larry_sprung/ Facebook: https://www.facebook.com/LawrenceDSprung/ X (Twitter): https://x.com/Lawrence_Sprung Connect with Andy Hill: LinkedIn: https://www.linkedin.com/in/andyhillmkm/ Instagram: https://www.instagram.com/marriagekidsandmoney/ YouTube: https://www.youtube.com/MarriageKidsandMoney Facebook: https://facebook.com/marriagekidsandmoney Website: https://marriagekidsandmoney.com/ About Our Guest: Andy Hill, AFC®️is the award-winning family finance coach behind Marriage Kids and Money - a platform dedicated to helping families build wealth and happiness.  Andy's advice and personal finance experience have been featured in major media outlets like CNBC, Forbes, MarketWatch, Kiplinger's Personal Finance and NBC News. With over 10 million podcast downloads and video views, Andy's message of family financial empowerment has resonated with listeners, readers and viewers across the world.  His debut book, "Own Your Time:  10 Financial Steps to Put Your Family First and Escape the Corporate Grind", will be released in January 2026. When he's not "talking money", Andy enjoys being a Soccer Dad, singing karaoke with his wife and relaxing on his hammock. Disclosure: Guests on the Mitlin Money Mindset are not affiliated with CWM, LLC, and opinions expressed herein may not be representative of CWM, LLC. CWM, LLC is not responsible for the guest's content linked on this site. This episode was produced by Podcast Boutique https://www.podcastboutique.com

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

Paul and Randy break down a terrific win over the Aggies, lament the state of the playoff committee and their fixation on loss column bias, discuss the shifting landscape of college football, and do talk about what Texas should try to get out of its bowl game. The time is now for your new mortgage or refi with Gabe Winslow at 832-557-1095 or MortgagesbyGabe. Then get your financial life in order with advisor David McClellan 312-933-8823 with a free consult: dmcclellan@forumfinancial.com. Read his retirement tax bomb series at Kiplinger! https://www.kiplinger.com/retirement/retirement-planning/605109/is-your-retirement-portfolio-a-tax-bomb Need a great CenTex realtor? Contact Laura Baker at 512-784-0505 or laura@andyallenteam.com.

Paul and Randy talk about their preference for BBQ and steak oriented Thanksgivings, the best rivalry games in college football, try to make some picks on some games with varying levels of motivation, talk Texas -Texas A&M, and offer their thoughts on the coaching carousel. The time is now for your new mortgage or refi with Gabe Winslow at 832-557-1095 or MortgagesbyGabe. Then get your financial life in order with advisor David McClellan 312-933-8823 with a free consult: dmcclellan@forumfinancial.com. Read his retirement tax bomb series at Kiplinger! https://www.kiplinger.com/retirement/retirement-planning/605109/is-your-retirement-portfolio-a-tax-bomb Need a great CenTex realtor? Contact Laura Baker at 512-784-0505 or laura@andyallenteam.com.

Send us a textContent Warning: mention of childhood abuse, divorceAbout This EpisodeSteph Wagner, National Director of Women in Wealth at Northern Trust and author of Fly!: A Woman's Guide to Financial Freedom and Building a Life You Love, shares how telling the truth about your money story can become the first step toward confidence and financial freedom. She opens up about rebuilding her life after a blindsiding divorce and offers practical tools women can use right now, from identifying your money personality to using her 45-20-35 framework to align spending with your values. We explore how to turn fear into growth, build transparency with partners, and create simple systems that support long-term wealth. If you are ready to rewrite your money story with honesty, clarity, and agency, this episode offers the mindset and next steps to begin. About Steph WagnerSteph Wagner is a nationally recognized thought leader in women's wealth and financial empowerment. Her passion for this work is deeply personal. Her own journey—from private equity executive to stay-at-home mom, to single mother facing financial uncertainty, to successful businesswoman—fuels her mission to help women take control of their wealth and build lives they love. Today, she serves as National Director of Women & Wealth at Northern Trust, where she leads the firm's advisory practice for women and its Elevating Women platform—a national program focused on building financial confidence and helping women use their wealth to create meaningful impact in their families, businesses, and communities.Prior to joining Northern Trust, Steph spent years advising high-net-worth women navigating major life transitions such as divorce and widowhood. She also built a national consulting practice for wealth management firms seeking to better serve female clients and founded WomenWealthyWise, a platform dedicated to advancing financial literacy and empowerment for women. Earlier in her career, she was Vice President at Gemini Investors, a Boston-based private equity firm. A frequent media contributor, Steph's insights have been featured in The Wall Street Journal, The New York Times, Entrepreneur, Barron's, Bloomberg, MarketWatch, Kiplinger, Yahoo Finance, and more. Steph lives just outside of Austin, Texas, and is the proud mom of three grown sons. When she's not working or writing, you'll likely find her cycling, hiking, on her yoga mat, or chasing after her beloved dogs. Additional ResourcesInstagram: @steph_l_wagnerLinkedIn: @StephLWagnerSupport the show-------- Stay Connected www.leighburgess.com Watch the episodes on YouTube Follow Leigh on Instagram: @theleighaburgess Follow Leigh on LinkedIn: @LeighBurgess Sign up for Leigh's bold newsletter

In this podcast episode, Brian shares his remarkable journey from his parents' middle-class immigrant background to achieving financial freedom through decades of learning and building businesses. He recounts his early aspiration for an opulent lifestyle and the pivotal moment when he realized the importance of creating income-producing assets. Through content creation, including three books and the Common Sense Financial Podcast, Brian's financial wisdom and expertise have garnered recognition and awards, providing valuable insights into wealth, financial freedom, and the pursuit of life's true riches. Join us as we explore Brian's wealth-building principles, the significance of faith, family, and relationships, and the pursuit of genuine financial freedom. It was over 30 years ago when Brian got started in business and he's spent this time building his knowledge while building teams and companies. Brian begins by telling the story of his parents and how they came over from Croatia and lived a middle-class life. His father worked evenings and weekends as a lab engineer while also running a business on the side. His work ethic greatly inspired Brian as he grew up. As a teen, he always dreamed of having expensive things, but his only model for getting that done involved trading time for money, which is exactly what he did throughout his early 20's. This led to him working harder to keep up with his increasingly expensive lifestyle. After doing it wrong for years, Brian had an epiphany where he realized he needed to create income-producing assets that would pay for his lifestyle. He set out to create a passive income stream to support his lifestyle and successfully accomplished it. That's when his focus for what he was really trying to do for his clients came into clarity. Brian began producing content back in 2010. And out of that came three books: Common Sense, Generational Planning, and Retirement Planning, which can all be found on Amazon. This led to the beginning of the Common Sense Financial Podcast, which has since been recognized by Forbes as a top 10 podcast by financial advisors. Brian also became a regular contributor for Kiplinger magazine locally in St. Louis. He's gone on to win numerous awards for his work. After 30 years of helping clients create the passive income they need to create real financial freedom, Brian regularly hears clients say that his process has really opened their eyes about how money works and how to think about wealth. In his personal life, Brian has been married to his wife Carrie for 30 years and has three kids, who have also grown up and had families of their own. Throughout their lives, Brian and his wife have taught their children two main things. First, most importantly, for them to pursue a close personal relationship with Jesus Christ and to live out their faith in their daily walk. Second to that, is to understand that a worthy pursuit in life is the things money can't buy: building relationships, investing, and creating memories and experiences with people that you love. A key lesson that took Brian a long time to figure out is that the pursuit of things never brings satisfaction. Real wealth is not found in things but in the freedom to live your life free from having to work for a paycheck or trade your time for money, which is another lesson he tries to impart to his kids as well as his clients.     Mentioned in this episode: BrianSkrobonja.com Common Sense Financial Podcast on YouTube  Common Sense Financial Podcast on Spotify SkrobonjaFinancial.com SkrobonjaWealth.com BuildBanking.com Common Sense: YOUR Guide to Making Smart Choices with YOUR Money by Brian Skrobonja Generational Planning by Brian Skrobonja Retirement Planning: Have A Plan So You Can Live Your Life by Brian Skrobonja     Investing involves risk, including the potential loss of principal. This is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation. Securities offered only by duly registered individuals through Madison Avenue Securities, LLC. (MAS), Member FINRA &SIPC. Advisory services offered only by duly registered individuals through Skrobonja Wealth Management (SWM), a registered investment advisor. Tax services offered only through Skrobonja Tax Consulting. MAS does not offer Build Banking or tax advice. Skrobonja Financial Group, LLC, Skrobonja Wealth Management, LLC, Skrobonja Insurance Services, LLC, Skrobonja Tax Consulting, and Build Banking are not affiliated with MAS. Skrobonja Wealth Management, LLC is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Skrobonja Wealth Management, LLC and its representatives are properly licensed or exempt from licensure. The firm is a registered investment adviser with the state of Missouri, and may only transact business with residents of those states, or residents of other states where otherwise legally permitted subject to exemption or exclusion from registration requirements. Registration with the United States Securities and Exchange Commission or any state securities authority does not imply a certain level of skill or training.

Paul breaks down an Arkansas win where the Texas offense got right but the defense did some wrong. Arch Manning went off, the Texas receivers dominated - what helped the Texas offense explode on the Pigs? As for the defense, well. It needs to fix some stuff. What can Texas do to shore up things with the Aggies coming on Friday? The time is now for your new mortgage or refi with Gabe Winslow at 832-557-1095 or MortgagesbyGabe. Then get your financial life in order with advisor David McClellan 312-933-8823 with a free consult: dmcclellan@forumfinancial.com. Read his retirement tax bomb series at Kiplinger! https://www.kiplinger.com/retirement/retirement-planning/605109/is-your-retirement-portfolio-a-tax-bomb Need a great CenTex realtor? Contact Laura Baker at 512-784-0505 or laura@andyallenteam.com.

Paul & Randy discuss the Dawg mauling in Athens, what ails this current Longhorn team, Lane Kiffin's likely destination, and preview the most dangerous 2-8 football team in America: The Arkansas Razorbacks. Paul also counts geography coup over Randy. Great success! The time is now for your new mortgage or refi with Gabe Winslow at 832-557-1095 or MortgagesbyGabe. Then get your financial life in order with advisor David McClellan 312-933-8823 with a free consult: dmcclellan@forumfinancial.com. Read his retirement tax bomb series at Kiplinger! https://www.kiplinger.com/retirement/retirement-planning/605109/is-your-retirement-portfolio-a-tax-bomb Need a great CenTex realtor? Contact Laura Baker at 512-784-0505 or laura@andyallenteam.com.

Joe Quinlan, head of market strategy for Merrill Lynch and Bank of America Private Bank, says that the U.S. consumer higher-income households "are in great shape heading into 2026," and so long as the Boomers continue spending, the economy and stock market can roll along. Quinlan says that the economy can avoid a recession if the Federal Reserve can avoid policy mistakes, if the U.S. stays out of a difficult trade war and if the extraneous factors mostly stay at bay. Given what the market has weathered in 2025, Quinlan says there is reason to believe the rally can continue, even if results are muted a bit compared to the equity returns of the last three years. Chris Vermeulen, chief market strategist at The Technical Traders, says that investors should not be fighting current trends, but they should be getting cautious in a market where there's not a lot of upside left this year. He expects January to be a telling month for whether the rally can carry deep into 2026, and says that investors looking for bigger gains can still get in on the gold rally, which Vermeulen says still has 25 to 30 percent upside from current levels.   Sandra Block, contributing editor at Kiplinger talks about what she learned about dental care for retirees as she made her own transition toward retirement earlier this year, and the choices consumers face as they weigh Medicare options. And Mark Hamrick discusses a recent BankRate.com survey which found that about half of working American adults expect to be reliant on Social Security benefits to handle necessary expenses when they retire, but more than three-quarters of that working population worries that their promised benefits won't be paid when they reach retirement age.

Send us a textOn this episode of The Get Ready Money Podcast, I spoke with Katherine Pomerantz, Rhianna Basore, and Joe Saul-Sehy about how the principles of improv can help us become better listeners, more engaged communicators, and more confident decision-makers—especially in uncertain or emotionally charged financial situations.

Paul & Randy discuss how Texas can take it to the Bulldogs in Athens. Other topics include, Gunner Stockton being a good college QB, Georgia's defensive decline, the Texas OL carrying a good Vandy game forward, the wonders of HS football, and the hilarious crap show at LSU that for Louisianans, is just another day in Louisiana. The time is now for your new mortgage or refi with Gabe Winslow at 832-557-1095 or MortgagesbyGabe. Then get your financial life in order with advisor David McClellan 312-933-8823 with a free consult: dmcclellan@forumfinancial.com. Read his retirement tax bomb series at Kiplinger! https://www.kiplinger.com/retirement/retirement-planning/605109/is-your-retirement-portfolio-a-tax-bomb Need a great CenTex realtor? Contact Laura Baker at 512-784-0505 or laura@andyallenteam.com.

CMS plans to simplify prior authorization for Medicare beneficiaries beginning in 2026. Listen to learn more about changes coming to Medicare Advantage and Original Medicare!   Read the text version  

When Willard M. Kiplinger launched the groundbreaking Kiplinger Washington Letter in 1923, he left the sidelines of traditional journalism to strike out on his own. With a specialized knowledge of finance and close connections to top Washington officials, Kiplinger was uniquely positioned to tell deeper truths about the intersections between government and business. With careful reporting and insider access, he delivered perceptive analysis and forecasts of business, economic, and political news to busy business executives, and the newsletter's readership grew exponentially over the coming decades. More than just a pioneering business journalist, Kiplinger emerged as a quiet but powerful link between the worlds of Presidents Hoover and Roosevelt, and used his Letter to play a little-known but influential role in the New Deal. Part journalism history, part biography, and part democratic chronicle, The Insider: How the Kiplinger Newsletter Bridged Washington and Wall Street (University of Massachusetts Press, 2022) offers a well-written and deeply researched portrayal of how Kiplinger not only developed a widely read newsletter that launched a business publishing empire but also how he forged a new role for the journalist as political actor." Rob Wells is is visiting associate professor at the Philip Merrill College of Journalism at the University of Maryland. Kavya Sarathy is a Linguistics student at the University of Massachusetts, Amherst, and a Marketing Intern for the University of Massachusetts Press. She is currently a political Staff Writer at The Massachusetts Daily Collegian. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/new-books-network

When Willard M. Kiplinger launched the groundbreaking Kiplinger Washington Letter in 1923, he left the sidelines of traditional journalism to strike out on his own. With a specialized knowledge of finance and close connections to top Washington officials, Kiplinger was uniquely positioned to tell deeper truths about the intersections between government and business. With careful reporting and insider access, he delivered perceptive analysis and forecasts of business, economic, and political news to busy business executives, and the newsletter's readership grew exponentially over the coming decades. More than just a pioneering business journalist, Kiplinger emerged as a quiet but powerful link between the worlds of Presidents Hoover and Roosevelt, and used his Letter to play a little-known but influential role in the New Deal. Part journalism history, part biography, and part democratic chronicle, The Insider: How the Kiplinger Newsletter Bridged Washington and Wall Street (University of Massachusetts Press, 2022) offers a well-written and deeply researched portrayal of how Kiplinger not only developed a widely read newsletter that launched a business publishing empire but also how he forged a new role for the journalist as political actor." Rob Wells is is visiting associate professor at the Philip Merrill College of Journalism at the University of Maryland. Kavya Sarathy is a Linguistics student at the University of Massachusetts, Amherst, and a Marketing Intern for the University of Massachusetts Press. She is currently a political Staff Writer at The Massachusetts Daily Collegian. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/biography

When Willard M. Kiplinger launched the groundbreaking Kiplinger Washington Letter in 1923, he left the sidelines of traditional journalism to strike out on his own. With a specialized knowledge of finance and close connections to top Washington officials, Kiplinger was uniquely positioned to tell deeper truths about the intersections between government and business. With careful reporting and insider access, he delivered perceptive analysis and forecasts of business, economic, and political news to busy business executives, and the newsletter's readership grew exponentially over the coming decades. More than just a pioneering business journalist, Kiplinger emerged as a quiet but powerful link between the worlds of Presidents Hoover and Roosevelt, and used his Letter to play a little-known but influential role in the New Deal. Part journalism history, part biography, and part democratic chronicle, The Insider: How the Kiplinger Newsletter Bridged Washington and Wall Street (University of Massachusetts Press, 2022) offers a well-written and deeply researched portrayal of how Kiplinger not only developed a widely read newsletter that launched a business publishing empire but also how he forged a new role for the journalist as political actor." Rob Wells is is visiting associate professor at the Philip Merrill College of Journalism at the University of Maryland. Kavya Sarathy is a Linguistics student at the University of Massachusetts, Amherst, and a Marketing Intern for the University of Massachusetts Press. She is currently a political Staff Writer at The Massachusetts Daily Collegian. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/american-studies

When Willard M. Kiplinger launched the groundbreaking Kiplinger Washington Letter in 1923, he left the sidelines of traditional journalism to strike out on his own. With a specialized knowledge of finance and close connections to top Washington officials, Kiplinger was uniquely positioned to tell deeper truths about the intersections between government and business. With careful reporting and insider access, he delivered perceptive analysis and forecasts of business, economic, and political news to busy business executives, and the newsletter's readership grew exponentially over the coming decades. More than just a pioneering business journalist, Kiplinger emerged as a quiet but powerful link between the worlds of Presidents Hoover and Roosevelt, and used his Letter to play a little-known but influential role in the New Deal. Part journalism history, part biography, and part democratic chronicle, The Insider: How the Kiplinger Newsletter Bridged Washington and Wall Street (University of Massachusetts Press, 2022) offers a well-written and deeply researched portrayal of how Kiplinger not only developed a widely read newsletter that launched a business publishing empire but also how he forged a new role for the journalist as political actor." Rob Wells is is visiting associate professor at the Philip Merrill College of Journalism at the University of Maryland. Kavya Sarathy is a Linguistics student at the University of Massachusetts, Amherst, and a Marketing Intern for the University of Massachusetts Press. She is currently a political Staff Writer at The Massachusetts Daily Collegian. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/communications

Paul & Randy rank, rate and debate the best open jobs in college football and a few that might come open. Is it as easy as it seems. We get to mock an ESPN writer, so that's good. Then Randy talks Vandy, will Texas fall for their eye candy? How will the Longhorns handle the mighty Top 10 Commodores? The time is now for your new mortgage or refi with Gabe Winslow at 832-557-1095 or MortgagesbyGabe. Then get your financial life in order with advisor David McClellan 312-933-8823 with a free consult: dmcclellan@forumfinancial.com. Read his retirement tax bomb series at Kiplinger! https://www.kiplinger.com/retirement/retirement-planning/605109/is-your-retirement-portfolio-a-tax-bomb Need a great CenTex realtor? Contact Laura Baker at 512-784-0505 or laura@andyallenteam.com.

Does Sark need an OC? Reasonable minds can differ, but he does need collaborators and he doesn't seem to have any, while the Longhorn defense has had many. Also, if you force Sark into an OC, it won't work. Paul explains the innovation flow of football on both sides of the ball and how and why having a defined system can create program clarity and protect college level OL play. Randy has some definite thoughts on why Texas didn't consolidate its OU game planning gains. What can we expect in Starkville? Tune in and find out. The time is now for your new mortgage or refi with Gabe Winslow at 832-557-1095 or MortgagesbyGabe. Then get your financial life in order with advisor David McClellan 312-933-8823 with a free consult: dmcclellan@forumfinancial.com. Read his retirement tax bomb series at Kiplinger! https://www.kiplinger.com/retirement/retirement-planning/605109/is-your-retirement-portfolio-a-tax-bomb Need a great CenTex realtor? Contact Laura Baker at 512-784-0505 or laura@andyallenteam.com.

The title says it all. Paul goes solo to share his thoughts on the 16-13 win in Kentucky, OL woes, Arch troubles, Sark's inability to carry over OU successes, and the strong play of the Longhorn special teams and defense. Then it's time for a thorough preview of the Mississippi State Bulldogs. They're dangerous in Starkville and the Horns must play better ball on offense if they want to silence those obnoxious cowbells. The time is now for your new mortgage or refi with Gabe Winslow at 832-557-1095 or MortgagesbyGabe. Then get your financial life in order with advisor David McClellan 312-933-8823 with a free consult: dmcclellan@forumfinancial.com. Read his retirement tax bomb series at Kiplinger! https://www.kiplinger.com/retirement/retirement-planning/605109/is-your-retirement-portfolio-a-tax-bomb Need a great CenTex realtor? Contact Laura Baker at 512-784-0505 or laura@andyallenteam.com.

Paul revels in the whipping of the Sooners and explains how and why it happened. An offense needs more than a hero ball QB and the Sooner defense can bleed. Then, it's on to the Cats. If Texas gets fat and happy and doesn't keep its violent edge and strong game planning from OU, we're in for a rude road awakening. The real opponent for Texas every year? Complacency. The time is now for your new mortgage or refi with Gabe Winslow at 832-557-1095 or MortgagesbyGabe. Then get your financial life in order with advisor David McClellan 312-933-8823 with a free consult: dmcclellan@forumfinancial.com. Read his retirement tax bomb series at Kiplinger! https://www.kiplinger.com/retirement/retirement-planning/605109/is-your-retirement-portfolio-a-tax-bomb Need a great CenTex realtor? Contact Laura Baker at 512-784-0505 or laura@andyallenteam.com.

CPA and financial planner Deb Meyer breaks down why most video business owners struggle financially and stay stuck on what she calls "the hamster wheel." She explains the crucial difference between revenue and profit, why separate bank accounts can save your business, and how to avoid nasty tax surprises that can cripple your cash flow. Key Takeaways Set up separate bank accounts for taxes, contractor expenses, and operating costs to avoid accidentally spending money that's already allocated Focus on profit margins (aim for at least 30%) rather than just top-line revenue numbers Get proactive tax planning to avoid surprise bills—a good CPA should give you quarterly projections, not April surprises Before buying any equipment or hiring staff, ask yourself if it will actually make you money or save you time that translates to revenue About Deb Meyer Deb Meyer, CFP®, CPA, and CEPA, is the award-winning author of Redefining Family Wealth, host of the Beyond Budgets® podcast, and founder of WorthyNest®, a fee-only, fiduciary wealth management firm that guides parents through important financial decisions using a values-based approach. Deb has been featured in The Wall Street Journal, Forbes, and CNN Business and is a contributor to Kiplinger.  She is a 2019 CPA Practice Advisor “40 Under 40 Honoree” in Accounting and received the 2018 AICPA Standing Ovation Award.  Deb lives in Missouri with her husband Bryan and three sons. In This Episode [00:00] Welcome to the show! [04:51] Meet Deb Meyer [06:34] Have a Trusted Financial Advisor [07:29] Cash Cushion for Your Business [10:12] Discerning Needs From Wants [22:18] Revenue and Profit [32:01] Tax Planning [45:07] Connect with Deb [46:29] Outro Quotes "You just bought yourself another job, really. I mean, you're not truly an entrepreneur if you're always beholden to the, hey, this is the mass I can get as my salary." - Deb Meyer "Revenue, great. It's a fun vanity metric, but it doesn't really matter that much in the grand scheme of things." - Deb Meyer "I look back and I'm like, what the heck was I thinking? Because it just felt like that's how I was making decisions like, man, yeah, if we had somebody doing that, that would feel pretty good." - Ryan "When COVID happened, we shrunk to four people. And we figured out how to run this company, the same company with four people... we're like so much more profitable these days." - Ryan "They should never have just surprised you with a $28,000 federal tax bill. That is really unfortunate." - Deb Meyer Guest Links Find Deb Meyer online Connect with Deb Meyer on LinkedIn Get Deb's free Starter Guide on 10 family finance myths Follow WorthyNest on Facebook Subscribe to WorthyNest on YouTube  Listen to the Beyond Budgets podcast Links FREE Workshop Available "How to Consistently Earn Over $100k Per Year in Video Production While Working Less Than 40 Hours Per Week" Join the Grow Your Video Business Facebook Group  Follow Ryan Koral on Instagram Follow Grow Your Video Business on Instagram Check out the full show notes

Paul & Randy talk about why the Sooners are their most hated rivals, memories of different Texas-OU games, Randy lists his most hated baseball rivals (the answer may surprise you), they talk State Fair, break down the Sooners and Longhorns, and sort out why the OU cheat play against Auburn irritated them so much. Go Texas. Beat OU! The time is now for your new mortgage or refi with Gabe Winslow at 832-557-1095 or MortgagesbyGabe. Then get your financial life in order with advisor David McClellan 312-933-8823 with a free consult: dmcclellan@forumfinancial.com. Read his retirement tax bomb series at Kiplinger! https://www.kiplinger.com/retirement/retirement-planning/605109/is-your-retirement-portfolio-a-tax-bomb Need a great CenTex realtor? Contact Laura Baker at 512-784-0505 or laura@andyallenteam.com.

Paul breaks down the Sooners, a potential game plan, the controlled violence required to win, and the importance of managing momentum shifts. The time is now for your new mortgage or refi with Gabe Winslow at 832-557-1095 or MortgagesbyGabe. Then get your financial life in order with advisor David McClellan 312-933-8823 with a free consult: dmcclellan@forumfinancial.com. Read his retirement tax bomb series at Kiplinger! https://www.kiplinger.com/retirement/retirement-planning/605109/is-your-retirement-portfolio-a-tax-bomb Need a great CenTex realtor? Contact Laura Baker at 512-784-0505 or laura@andyallenteam.com.

Welcome to another episode of Accelerate Your Business Growth! In today's conversation, host Diane Helbig sits down with Mark Miller of Hilton Tax & Wealth Advisors, a seasoned expert with nearly four decades of experience in tax and wealth management. Mark has dedicated his career to helping business owners, executives, and high-net-worth individuals build, protect, and sustain their wealth—and he's been featured everywhere from Kiplinger's and The New York Times to Fox News and Money magazine. Recognized as a Presidential Businessman of the Year, Mark brings a wealth of practical knowledge and unique insight to our audience. In this episode, Mark unpacks the real strategies the ultra-wealthy use to legally slash their tax bills—and shares what successful business owners can do today to follow their lead. He demystifies common misconceptions about building wealth, reveals how the smartest investors avoid volatility, and explains why protecting your portfolio is more important than chasing the highest returns. Plus, he shares actionable tips for turning income into generational wealth before the year's end. If you've ever wondered how top-tier families and business dynasties invest and what truly makes the difference between smart and retail money, you won't want to miss this conversation. Grab your notebook and get ready for an eye-opening look at building lasting financial legacies. If you are a small business owner or salesperson who struggles with getting the sales results you are looking for, get your copy of Succeed Without Selling today. Learn the importance of Always Be Curious. Accelerate Your Business Growth is proud to be included on the list of the 45 Best Business Growth Podcasts. We are also honored to be selected by FeedSpot as one of the Top 10 Growth Hacking Podcasts, Top 25 Evergreen Podcasts and Top 50 Business Growth Podcasts on the web. Each episode of this podcast provides insights and education around topics that are important to you as a business owner or leader. The content comes from people who are experts in their fields and who are interested in helping you be more successful. Whether it's sales challenges, leadership issues, hiring and talent struggles, marketing, seo, branding, time management, customer service, communication, podcasting, social media, cashflow, or publishing, the best and the brightest join the host, Diane Helbig, for a casual conversation. Discover programs, webinars, services, books, and other podcasts you can tap into for fresh ideas. Be sure to subscribe so you never miss an episode and visit Helbig Enterprises to explore the many ways Diane can help you improve your business outcomes and results. Learn more about your ad choices. Visit megaphone.fm/adchoices

Most people don't feel wealthy. But what if your day-to-day habits are quietly building serious financial strength? A recent article from Kiplinger outlined five surprising signs that you might be richer than you think, and none of them involve yachts or private jets. In this episode, David walks through each sign and explains why they might matter for both today and your long-term future. Here's some of what we discuss in this episode:

Paul's going solo, but he's not Han. He talks Georgia, Bama, Arkansas, Auburn and A&M before breaking down the Florida Gators. Why should Texas fans want as many major college football jobs open as they can get?Finally, the Gators are one of the most mystifying teams in college football. They look a certain way, but they don't play like it. Do they save their season with a bye week regroup or are they in a death spiral? What the hell is going on in Gainesville? The time is now for your new mortgage or refi with Gabe Winslow at 832-557-1095 or MortgagesbyGabe. Then get your financial life in order with advisor David McClellan 312-933-8823 with a free consult: dmcclellan@forumfinancial.com. Read his retirement tax bomb series at Kiplinger! https://www.kiplinger.com/retirement/retirement-planning/605109/is-your-retirement-portfolio-a-tax-bomb Need a great CenTex realtor? Contact Laura Baker at 512-784-0505 or laura@andyallenteam.com.

Paul breaks down the Sam Houston win, where Texas is in relation to the rest of the SEC, and discusses the big conference matchups this weekend. A lot of football left to be played and everything we think we know, we probably don't. The time is now for your new mortgage or refi with Gabe Winslow at 832-557-1095 or MortgagesbyGabe. Then get your financial life in order with advisor David McClellan 312-933-8823 with a free consult: dmcclellan@forumfinancial.com. Read his retirement tax bomb series at Kiplinger! https://www.kiplinger.com/retirement/retirement-planning/605109/is-your-retirement-portfolio-a-tax-bomb Need a great CenTex realtor? Contact Laura Baker at 512-784-0505 or laura@andyallenteam.com.

Paul and Randy talk about UTEP, Arch Manning, scout team effort from some members of the OL, and Randy offers some interesting insights from the world of baseball about players who have the yips. How do you coach a guy who is clearly in his head? When and why is it appropriate to bench a developing QB? Then they discuss the Week 4 slate of college football - it's surprisingly good with some high entertainment potential games. Also, Paul learns what a Greenie is. ⁠⁠⁠⁠⁠⁠⁠⁠⁠Buy The Thinking Texas Football Season Preview. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The time is now for your new mortgage or refi with Gabe Winslow at 832-557-1095 or MortgagesbyGabe. Then get your financial life in order with advisor David McClellan 312-933-8823 with a free consult: dmcclellan@forumfinancial.com. Read his retirement tax bomb series at Kiplinger! https://www.kiplinger.com/retirement/retirement-planning/605109/is-your-retirement-portfolio-a-tax-bomb Need a great CenTex realtor? Contact Laura Baker at 512-784-0505 or laura@andyallenteam.com.

Paul breaks down the challenges of the Texas offense, Arch Manning's awful play against UTEP, and how we got here. When is it appropriate to bench him? What might snap him out of his fugue state? Also, a comprehensive review of the 27-10 win over UTEP. ⁠⁠⁠⁠⁠⁠⁠⁠Buy The Thinking Texas Football Season Preview. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The time is now for your new mortgage or refi with Gabe Winslow at 832-557-1095 or MortgagesbyGabe. Then get your financial life in order with advisor David McClellan 312-933-8823 with a free consult: dmcclellan@forumfinancial.com. Read his retirement tax bomb series at Kiplinger! https://www.kiplinger.com/retirement/retirement-planning/605109/is-your-retirement-portfolio-a-tax-bomb Need a great CenTex realtor? Contact Laura Baker at 512-784-0505 or laura@andyallenteam.com.

Paul's solo emptying the notebook to check in on the Horns, how they performed against the Spartans, and what Saturday against UTEP holds. ⁠⁠⁠⁠⁠⁠⁠Buy The Thinking Texas Football Season Preview. ⁠⁠⁠⁠⁠⁠⁠⁠⁠The time is now for your new mortgage or refi with Gabe Winslow at 832-557-1095 or MortgagesbyGabe. Then get your financial life in order with advisor David McClellan 312-933-8823 with a free consult: dmcclellan@forumfinancial.com. Read his retirement tax bomb series at Kiplinger! https://www.kiplinger.com/retirement/retirement-planning/605109/is-your-retirement-portfolio-a-tax-bomb Need a great CenTex realtor? Contact Laura Baker at 512-784-0505 or laura@andyallenteam.com.

Paul and Randy talked about the good and bad of the Longhorn victory over San Jose State. Then it's a broader discussion of Arch Manning, OL play, the defense and Saturday's big upsets. Dare we discuss THE GRIMACE? ⁠⁠⁠⁠⁠⁠Buy The Thinking Texas Football Season Preview. ⁠⁠⁠⁠⁠⁠⁠⁠The time is now for your new mortgage or refi with Gabe Winslow at 832-557-1095 or MortgagesbyGabe. Then get your financial life in order with advisor David McClellan 312-933-8823 with a free consult: dmcclellan@forumfinancial.com. Read his retirement tax bomb series at Kiplinger! https://www.kiplinger.com/retirement/retirement-planning/605109/is-your-retirement-portfolio-a-tax-bomb Need a great CenTex realtor? Contact Laura Baker at 512-784-0505 or laura@andyallenteam.com.

Paul & Randy break down the tough loss in Ohio, discuss which teams looked good or bad in college football in Week 1, muse about how Arch and the offense can improve, and ponder some other very important questions. ⁠⁠⁠⁠⁠Buy The Thinking Texas Football Season Preview. ⁠⁠⁠⁠⁠⁠⁠The time is now for your new mortgage or refi with Gabe Winslow at 832-557-1095 or MortgagesbyGabe. Then get your financial life in order with advisor David McClellan 312-933-8823 with a free consult: dmcclellan@forumfinancial.com. Read his retirement tax bomb series at Kiplinger! https://www.kiplinger.com/retirement/retirement-planning/605109/is-your-retirement-portfolio-a-tax-bomb Need a great CenTex realtor? Contact Laura Baker at 512-784-0505 or laura@andyallenteam.com.

Paul is going solo to break down the state of Texas football after Week 1. A comprehensive look at every position and unit, coaching tactics, and the general state of the program. ⁠⁠⁠⁠Buy The Thinking Texas Football Season Preview. ⁠⁠⁠⁠⁠⁠The time is now for your new mortgage or refi with Gabe Winslow at 832-557-1095 or MortgagesbyGabe. Then get your financial life in order with advisor David McClellan 312-933-8823 with a free consult: dmcclellan@forumfinancial.com. Read his retirement tax bomb series at Kiplinger! https://www.kiplinger.com/retirement/retirement-planning/605109/is-your-retirement-portfolio-a-tax-bomb Need a great CenTex realtor? Contact Laura Baker at 512-784-0505 or laura@andyallenteam.com.

The biggest game of the year is here. Guess what we talked about? Join us for some Texas-Ohio State analysis, excitement, and Randy's obligatory 10 point win prediction for a big game! Also, please let us know your favorite football platitude that you share when watching Texas play? ⁠⁠⁠⁠Buy The Thinking Texas Football Season Preview. ⁠⁠⁠⁠⁠⁠The time is now for your new mortgage or refi with Gabe Winslow at 832-557-1095 or MortgagesbyGabe. Then get your financial life in order with advisor David McClellan 312-933-8823 with a free consult: dmcclellan@forumfinancial.com. Read his retirement tax bomb series at Kiplinger! https://www.kiplinger.com/retirement/retirement-planning/605109/is-your-retirement-portfolio-a-tax-bomb Need a great CenTex realtor? Contact Laura Baker at 512-784-0505 or laura@andyallenteam.com.

A lot to cover on this EGAT. The SEC goes to 9 conference games - what are the implications? The 16 team playoff is now all but assured. Who will Texas play and are big game non-cons now dead? Then they talk the Week 0 slate, Week 1's epic nature, and discuss the challenges and opportunities of Ohio State new DC. It wouldn't be EGAT without some Hee Haw and Sanford and Son talk. ⁠⁠⁠Buy The Thinking Texas Football Season Preview. ⁠⁠⁠⁠⁠The time is now for your new mortgage or refi with Gabe Winslow at 832-557-1095 or MortgagesbyGabe. Then get your financial life in order with advisor David McClellan 312-933-8823 with a free consult: dmcclellan@forumfinancial.com. Read his retirement tax bomb series at Kiplinger! https://www.kiplinger.com/retirement/retirement-planning/605109/is-your-retirement-portfolio-a-tax-bomb Need a great CenTex realtor? Contact Laura Baker at 512-784-0505 or laura@andyallenteam.com.