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#665: If you've ever stared at an insurance quote and wondered, “Is this really worth it?”, you're not alone. Liability and umbrella policies can feel like an expensive mystery, especially when your net worth is growing and your risks are shifting. In today's episode, we dig into a listener's dilemma about soaring liability and umbrella insurance costs, and we explore how to think clearly about protection, exposure, and the parts of your portfolio that may already be shielded. Along the way, we unpack how shifting household risks, driver ages, and asset location change the insurance strategy year by year. From there, we take questions about Roth choices, future tax brackets, and whether it's worth giving up investment flexibility to build a stronger tax triangle. These conversations get to the heart of how we balance risk, taxes, and long-term planning in the FI journey. Listener Questions in This Episode Andy asks: How can I protect my $2 million net worth without paying nearly $950 a month for increased auto, home, and umbrella coverage, especially with a teenage driver in the mix? (01:47) Mike asks: Given our high current tax bracket and expected lower tax rate in retirement, does contributing to a Roth still make sense for us? (25:50) Cindy asks: Should I move my rollover IRA into my new 401(k) so I can start doing backdoor Roth contributions, even if the investment choices are more limited? (39:47) Key Takeaways Sometimes the question isn't “umbrella or nothing,” it's “what risk am I truly trying to insure, and for how long,” especially when a teenage driver temporarily changes the household risk profile. You already may have more asset protection than you think. Retirement accounts and primary residences often carry their own layers of protection, which influences how much liability insurance you actually need. The Roth decision hinges less on math in isolation and more on your likely future earnings, work style, and appetite for locking in today's tax rates. Building a balanced tax triangle gives you flexibility later, especially when future tax rates are unknowable and retirement timing is uncertain. Backdoor Roths can be powerful, but only when the tradeoff between investment choice and long-term tax flexibility makes sense for your goals and timeline. Related Episode: Episode 649: Umbrella insurance deep dive Chapters Note: Timestamps are approximate and may vary greatly across listening platforms due to dynamically inserted ads. (00:00) Offense versus defense and setting up today's questions (01:47) Andy asks about protecting a $2 million net worth (12:00) What's already protected and how coverage layers work (17:00) Managing short-term risk when a teenager starts driving (29:50) Mike asks whether high earners should prioritize Roth contributions (35:07) How career trajectory and future tax rates shape Roth logic ( 45:54) Building a balanced tax triangle (47:47) Cindy asks about using a backdoor Roth to shift her tax triangle ( 52:10) Tradeoffs of moving an IRA into a 401k (54:06) How long Roth dollars need to grow to matter Share this episode with a friend, colleagues, your tax advisor: https://affordanything.com/episode665 Learn more about your ad choices. Visit podcastchoices.com/adchoices
Today the listener controls the show! We talk about building bike strength to be a better climber. We get into how to fall in love with the trainer and the treadmill this winter. We also look at strengths and weaknesses. How do you define them and decide where to put the most work. We get into swimming and how much you should be doing it. Some of the best drills and things to think about. Also, finding your swimming economy and body position. We also look at controlling your breath on the run and raising your bike threshold. ————— Get some C26 Gear for Christmas: https://c26triathlon.com/shop/ Looking for a great way to empower your training, explore your limits, and exist in the moment? Check out C26 Adventure Camps for 2026! http://watersharpensiron.com Want to build strength and conquer the water? Look into our swim camps at C26Hub.com Looking for triathlon coaching? Comb through our roster at https://c26triathlon.com/about/coaches/ Topics: Thanksgiving Recap and favorite foods Building climbing strength on the bike Big gear/torque workouts Faux Big Gear Ways to pass time on the trainer or treadmill Limited time - Do you work on strengths or weaknesses? Determining strength and weaknesses More time on the run or swim? Body position and feel for the water Hard time breathing on the run but legs feel fine? Relaxing your breath Swim drills Swim economy Raising your bike threshold Bike progressions Playing the long game Negative split mentality Do you lack time or energy? Mike Tarrolly - mike@c26triathlon.com Robbie Bruce - robbie@c26triathlon.com Check us out at www.c26triathlon.com Looking to find your flow? Check out C26 Adventures! www.watersharpensiron.com
In this episode we discuss the coming Christmas season. How do you keep the focus on Christ in Christmas? What is Advent? Plus, we answer listener questions on songs in worship and we play a game of 'Name that Christmas Song.'
We've got some great questions and stories for you this month ranging from seeing ghosts and spirits with no faces to questions about signs and reconciling religion with intuitive knowings. Thanks for listening! If you enjoy the show, please tell a friend, subscribe, rate and leave us a kind review. Don't forget to join our community on Facebook by searching Psychic Teachers. If you have a question or story to share with us, send us an email at psychicteachers@gmail.com. For more information on us, check out our websites: debbowen.com and samanthafey.com.You can also find Samantha on Instagram @samanthaofey. You can find our eCourses on crystals, tarot, manifesting and moon magic. Plus we both offer wonderful guided meditations and you can find signed copies of our books. Be sure to check out Samantha's other podcast Enlightened Empaths. Have a great week. Be the Light!
In this episode, Kirsten and Jim answer Season 12 listener questions, which focus on the teachings of Brother Lawrence. Resources: The transcript for this episode can be found here. Connect with us: This podcast is made possible thanks to the generosity of our donors. If you would love to support the ongoing work of the Center for Action and Contemplation and the continued work of our podcasts, you can donate at https://cac.org/support-cac/podcasts/ Thank you!
BLACK FRIDAY SALE: Save up to 65% on our NFL In-Season product!https://establishtherun.com/blackfriday/THE SOLVER Black Friday Sale: New customers receive 20% off any NBA or NFL product! Simply use code SOLVER20 at checkout: https://thesolver.com/?ref=etr Adam Levitan breaks down Week 13 in NFL DFS, as well as discussing whether it's time to move on from rostering D/ST in DFS, before tackling a bunch of hard-hitting listener questions.Links mentioned in the episode:Levitan's DFS Cash Lineup Review: Week 13Timestamps:0:00 - Introduction0:26 - Is It Good For DFS If Defense Breaks The Slate?5:14 - Adam's Cash Game Review10:37 - Listener QuestionsWant ETR on your team this season? Our 2025 NFL In-Season has you covered with:NFL In-Season content includes:Silva's Matchups ColumnDFS Top PlaysProjections for Every PlayerOwnership Projections for Every SlateWeekly Premium ShowsSubscribe now at https://subscribe.establishtherun.com/nflinseason/New Customers Play Free for Your Share of Millions in Prizes with First DepositDownload the DraftKings Daily Fantasy app and enter promo code ETR to play FREE for your share of millions in prizes with your first deposit! Sign Up TodayGambling Problem? Call 1-800-GAMBLER or 877-8-HOPENY/text HOPENY (467369) (NY). Help is available for problem gambling. Call (888) 789-7777 or visit ccpg.org (CT).18+ in most eligible states, but age varies by jurisdiction. Eligibility restrictions apply. Void where prohibited. 1 per new customer. Min. $5 deposit req. 1 single-use $3 ticket rewarded. Ticket rewards are site credits valid for use on eligible DraftKings contests. Ticket rewards expire 14 days (336 hours) after being issued. Terms: www.draftkings.com/promotions. Ends 12/31/2025 at 11:59 PM ET. Sponsored by DK.DFS OPTIMIZER: Sign up for THE SOLVER for access to the software we think fantasy players need to win: https://thesolver.com/?ref=etrWE CAN HELP: Tired of attention-seeking hot takes? Get the highest-quality fantasy football analysis in your inbox, FREE: https://bit.ly/establishtherunSPORTSBOOK OFFERS: We've partnered with several major sportsbook outlets to help supply you with the best offers in the industry and ensure you're maximizing your bankroll from the start: https://establishtherun.com/offers/FOLLOW US: Check out our social media channels for FREE fantasy football & DFS videos, analysis, and more: https://linktr.ee/establishtherun
Kit, Andy, and Steve crack open the mailbag to read through your wildest theories, sharpest questions, and deepest-cut Easter Eggos from Volume 1 of Stranger Things 5. From character fates to hidden clues to the biggest twists and reveals, the guys tackle all the hottest talking points of the season so far.00:00:00 - Introduction00:03:34 - Mailbag BeginsSpotify Playlist: HEREVideo Version of this Episode: YouTubeFollow Us on Social MediaStreaming Things PatreonStreaming Things InstagramStreaming Things TikTokFollow Kit LazerTikTokInstagramYouTubeFollow SteveInstagramFollow AndyInstagramVisit Our WebsiteCheck Out Our MerchSend Us Mail:Streaming Things6809 Main St. #172Cincinnati, OH 45244 Hosted on Acast. See acast.com/privacy for more information.
Send us a text!The second run of Lexy's new book, Wisdom on Her Tongue, is now shipping! Pick up your copy here.This episode's Headline Sponsor is: Humble Love — Check out their all-natural magnesium cream. Packed with magnesium chloride and moisturizing oils, it helps ease tension, promote restful sleep, and relieve everyday aches. Click here and use code NCP15 for 15% off your order.Want premium, handmade soaps without the seed oils or other nasty hormone disrupters? Check out our partners at Indigo Sundries Soap Co., and use code BRIGHTHEARTH for ten percent off your order!The best coffee you'll taste! Lux Coffee Company is caffeinating the New Christendom with artisan roast coffee. Get 15% off your coffee with code "NCP15". https://luxcoffee.co/Recover the lost art of worship through weekly music lessons - Book a consultation at https://www.bohnetma.com/You can explore the full postpartum collection at noellesnaturals.com - Use code BRIGHT for 15% off your order.Ladies, check out Home & Hearth's Cycle Support Tinctures. Visit https://shophomeandhearth.com/bright to claim your 15% off.Do you have a newborn and need help with carrying your baby? Email Kirby at carryingwithkirby@gmail.com and claim your special Bright Hearth listener discount. You've seen them around! The Hand-thrown Jerusalem Cross and travel ceramic mugs made by Taste & See Ceramics. Get $10 off your order. Visit https://tasteandseeceramics.com to get your mugs.Be sure to subscribe to the show, and leave us a 5-Star review wherever you get your podcasts! Buy an item from our Feed the Patriarchy line and support the show at the same time at briansauve.com/bright-hearth.Become a monthly patron at patreon.com/brighthearth and gain access to In the Kitchen, a special bonus show with each main episode!BLACK FRIDAY DISCOUNTS: https://www.newchristendompress.com/storeSupport the show
What is it like in the Nat Theo studio? Are there monkeys swinging around, tanks of exotic fish, or fancy lighting? We're going behind the scenes and sharing what it's like (and what it takes) to make Nat Theo happen. We are also sharing an exciting goal for 2026 and inviting you on the adventure! Finally, we are answering questions from curious listeners.Give a one-time or monthly gift. Every gift goes directly toward producing Nat Theo and reaching more families in 2026: https://erynlynum.com/givePlease note: Nat Theo is not set up as a non-profit and gifts are not tax-deductible.
Reddit Talks Clash: The Official Clash of Clans Subreddit Podcast
We discuss all the choices new TH18s need to make, and what the community is actually using 2 weeks into our new max Town Hall after the latest Clash of Clans update. You can support us by using creator codes "coolrick" and "spencer" for your in-game purchases in any supercell game or platform.Timestamps:(00:00) Intro(02:18) Sneaky Gobs or New Valk Fast Farming?(10:43) Meteor Golems Vs Drags and Totems(19:05) Guardians: Longshot or Smasher?(27:56) Crafting Stations and the new Fancy Shop(34:45) Frost Age: December Cosmetics(37:37) Reddit: The Saltiest Place on Earth(40:34) Listener Questions(50:32) Shout OutsAbout the Podcast: Reddit Talks Clash is a Clash of Clans podcast hosted by Liam, Sam, Spencer, and Rick: four mods of r/ClashOfClans. We cover Clash of Clans updates, balance changes, community news, esports, and more. Join us live for recordings on the Official Clash of Clans Discord: www.discord.gg/clashofclans. Select “Podcasts” as an interest when joining, or ask a mod how to get notifications for live episodes. As part of Supercell's Creator Program, we bring you official Clash of Clans news, event breakdowns, and community discussions every week. Find more information here. (https://creators.supercell.com/en/supercell-partner) #supercreator
Kevin, Grayson, and The Chief offer takes on FC Cincinnati, including the impact of Yuya Kubo, the club's roster decisions, overall team dynamics, and the challenges of contract negotiations within the salary cap framework. They explore the significance of Kubo's contributions to the team, the evaluation of current players, and the future direction of the club amidst changing roster rules in MLS. They analyze the team's performance, coaching strategies, and the potential need for new ideas to enhance team effectiveness. In Part Two it's Patreon Questions where the conversation touches on the impact of the MLS calendar shift and the future of playoff formats, FCC gifts, repeat concerts, and more! Timestamps: (12:28) - FC Cincinnati Roster Decisions (1:10:15) - Listener Questions! Links: Looking for an MLS podcast? Check out The World's GAM Visit our friends at Streetside Brewery Check out The Post at www.thepostcincy.com Music by Jim Trace and the Makers Join the Discord Server and jump into the conversation Follow us on BlueSky, Twitter, Facebook, Instagram, and YouTube Support us on Patreon https://www.patreon.com/ThePostCincy
[include file=get-in-itunes.html] Once again Kate and I had another fun conversation on today’s Free For All Friday show. It’s really great fun to sit in the studio and talk about different health or life topics so that you can benefit. From the listener feedback that we’ve been getting people seem to be enjoying them. We […] The post Tips For Changing Your Diet, Food Addictions, Listener Questions & Much More! appeared first on Extreme Health Radio.
The Grow From Your Heart Podcast - Hosted by Rasta Jeff of Irie Genetics
Welcome back to the Grow From Your Heart Podcast with your host Rasta Jeff! Leave comments and tell me what you think of the show! Visit AC Infinity and use code IRIEARMY to save 10%. https://www.acinfinity.com/ref=RASTAJEFF&utm_campaign=affiliate_promotions&utm_medium=social&utm_source=affiliate Join us on Discord for live chats and endless grow info! https://discord.gg/iriearmy
Join Scott Bogman and Andrew Erickson as they tackle your questions LIVE on Discord every Thursday at 2 PM EST at fantasypros.com/chat. Timestamps: (May be off due to ads) Intro - 0:00:00 Listener Questions #1 - 0:01:23 FantasyPros My Playbook - 0:20:06 Listener Questions #2 - 0:20:47 FantasyPros on Twitch - 0:33:24 Listener Questions #3 - 0:34:11 Outro - 1:07:33 Helpful Links: My Playbook - Sync your league instantly to My Playbook to get custom advice on how to manage your team throughout the season. See your league’s top available players, power rankings, and more for free! Check the “Are They Playing” tool each week to get the latest game-day availability odds for all injured players. If you’re premium – you unlock all kinds of helpful waiver, trade, lineup and league analysis tools. You can even auto-start your team’s optimal lineup each week with Auto-Pilot. Sync your league and dominate every week of the season with My Playbook at fantasypros.com/myplaybook or on the FantasyPros App Follow us on Twitch - The team here at FantasyPros is taking questions all week, every week on Twitch. Follow us on Twitch at twitch.tv/fantasypros and never miss a stream! Discord – Join our FantasyPros Discord Community! Chat with other fans and get access to exclusive AMAs that wind up on our podcast feed. Come get your questions answered and BE ON THE SHOW at fantasypros.com/chat Leave a Review – If you enjoy our show and find our insight to be valuable, we’d love to hear from you! Your reviews fuel our passion and help us tailor content specifically for YOU. Head to Apple Podcasts, Spotify, or wherever else you get your podcasts and leave an honest review. Let’s make this show the ultimate destination for fantasy football enthusiasts like us. Thank you for watching and for showing your support – https://fantasypros.com/review/ BettingPros Podcast – For advice on the best picks and props across both the NFL and college football each and every week, check out the BettingPros Podcast at bettingpros.com/podcast, our BettingPros YouTube channel at youtube.com/bettingpros, or wherever you listen to podcastsSee omnystudio.com/listener for privacy information.
Cori is acutely depressed, so we discuss his inner world, psychic bodies, primal wounds, and spiritual maladies. We also answer some Listener Questions: is it OK to be tired of TERFing? What are our favorite cat memories? What is Cori's latest forecast for the future? It's a far cry from our energetic gender days, but we're still surviving, which is sometimes the best we can hope for.Links:Cori interviews Nina when she was depressed: https://heterodorx.substack.com/p/episode-164-ninas-brain-breaks-itselfTish Hyman at Minnesota prison protest: https://x.com/listen2tish/status/1990310036703478079Wieiner vs Hyman:Erin Reed, LOLcow: https://kiwifarms.st/threads/erin-reed-anthony-reed-ii-erininthemorn-erininthemorning-erininthenight-_supernovasky_-beholderseye-realitybias-anonymousrabbit.112364/page-888#post-22970899Sita Sings the Blues: https://sitasingstheblues.com/watch.htmlSeder Masochism: https://sedermasochism.com/download/Apocalypse Animated: https://apocalypseanimated.com/Nina's SSDI Blue Book illustrations-in-progress: https://ninapaley.com/2025/11/28/ssdi-blue-book-cards-in-progress/This Land Is Mine:Nina's store: https://store.ninapaley.com/ Get full access to Heterodorx Podcast at heterodorx.substack.com/subscribe
The St. Louis Post-Dispatch’s Matthew DeFranks and Nathan Mills discuss the Thanksgiving checkpoint in the NHL, another overtime loss for the Blues, a 1-1-3 road trip, Logan Mailloux's recall and the end of Milan Lucic's PTO in the AHL. Then they finish the episode by taking listener questions. Submit questions for a future episode via email to mdefranks@post-dispatch.com or via X (formerly Twitter) @MDeFranks. Find more podcasts from the Post-Dispatch Subscribe to the Post-Dispatch
The Composite Two-Star Recruits podcast returns during a holiday weekend to talk about a massive USC-UCLA visitor weekend, preventing flips and give some Thanksgiving advice. TIME STAMPS: (0:00): Podcast Stands Between Us and Thanksgiving (06:26): USC-UCLA Visitor Weekend (48:09): Oregon Recruiting Angle (01:46:38): Friday Night Lights (02:08:38): Cilantro Boys Give Thanks (02:17:02): Listener Questions (02:31:31): Thanksgiving Questions To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices
From August 2020: A mom writes in wondering how to help her son who wrestles with pessimism. Learn more about your ad choices. Visit megaphone.fm/adchoices
Thanksgiving and overindulgenceA food poisoning incidentObservations on health at ThanksgivingWhat do you think of online sites offering prescriptions for hair loss via a questionnaire?
My granddaughter suffers from menstrual cramps. Do you have any suggestions?Do you recommend nicotinamide daily to prevent recurrence of basal cell cancers?What works best to lower fibrinogen?I've been on Ozempic for a year and have diarrhea every morning!Is bypass surgery still being done?Would you recommend Bergamot for fatty liver?
In this Maxton Hall Season 2 Mailbag Podcast, Jillian and Tyler answer listener questions and break down the biggest theories heading into the Season 2 finale. They talk James and Ruby, Maxton Hall - The Summer I Turned Pretty parallels, Mortimer conspiracy theories, Titanic moments, and THAT photo cliffhanger!No finale spoilers, just deep dives into Episodes 1 thru 5, character analysis, fan reactions, and everything you missed.00:00:00 Introduction to podcast00:01:13 Crazy MH theories00:03:09 Listener questions00:03:12 Forgiving James Beaufort vs Jeremiah Fisher00:09:06 Maxton Hall and The Summer I Turned Pretty00:17:24 Titanic references00:19:24 Anxiety for Season 2 finale00:20:41 Did Mortimer fake his breakdown?00:28:18 Ep 5 cliffhanger - what did the headmaster see?Buy our merch: https://www.etsy.com/shop/PreviouslyOnTeenTVFollow Previously On Teen TV on Instagram: https://www.instagram.com/previouslyon_teentv/Follow Previously On Teen TV on TikTok: https://www.tiktok.com/@previouslyon_teentvSubscribe to our YouTube: https://www.youtube.com/channel/UCe2lgvvZGKMrQ8v24FmDdWQ?sub_confirmation=1
In our thirty sixth episode of BungleTech my spheroid co-host Midnight Michael and I take it easyyyy as we have a PPC blast of a time answering submitted listener questions. It's a casual episode folks, so sit back, relax, cuddle up with your loyal Kodama and join us at the ceremonial Clan Kodama table of super honouorable clan grade level earnestness. Could be a decent time!Our Honourable Patreon SupportersMechWarriors: Canaan McKenna, Ed Magilton, HeyZeus, Lorian Sunrider, Malathis, MetalEd, Phil Raider Roby, Slurski LispersTechnicians: Blunderdome, Chris Cannon, DarkTremere, Dire Situation, Keflyn, Klint, Matthew Hopper, ML8211, TheRock3393, ZemerBondspersons: Arbriar, Fiddler, Fullmetal Gundam, G, Hilux, Itswhatevan, Offensive Titan, Rob Carpenter, Rob Prescott, Steffan Gordan, William BeckerSegment Start TimesExtraordinary Proclamation - 1:03Podcast Primary Topic - 4:54BungleTech LinksBungleTech Discord Homebase Under BungleTech -> https://discord.gg/thevalhallaclubBungleTech Email -> BungleTech@outlook.comBungleTech Global Campaign Initiative Document Repository -> https://www.patreon.com/posts/global-campaign-125155370BungleTech Patreon -> https://www.patreon.com/BungleTechBungleTech Podcast Game Mode Collection -> https://1drv.ms/f/s!AiU1hP8RhYzUn5FwSg7PaYnHbJvm7QBungleTech Twitter/X -> BungleTechTweetOther Important LinksKSAGG VI Information and Registration -> https://tabletop.events/conventions/ksagg-vi
Hit us up with your questions at weirdertogetherpod@gmail.comDive deeper into our world at https://weirdertogether.substack.com
It's Casual Wednesday as we ease into the weekend we take a look at Paranormal News freshly ripped from the Internet, Listener Question & Feedback, Feedback from the Question of the Week. E-mail: comment@ghostboxradio.com Listen Live Streaming: www.am950radio.com Watch Live: www.facebook.com/MNGhostBox www.facebook.com/AM950Radio www.facebook.com/ParaFriendsEvents/ www.facebook.com/gethauntedusa www.facebook.com/PUNMedia1 Website: www.ghostboxradio.com Twitter: @mnghostbox #GhostBoxRadio #AM950 #GregBakun #ParanormalRadio #ParanormalPodcast #TalkRadio…
Happy Thanksgiving to each and every one of our listeners! We are so thankful to call you all friends! Join Mike, Rikki and Pam (and Scott!) today as we answer some amazing Listener Questions! Today, we get a great question about if it is worth it to buy a 1-day ticket for January 1 to spend the day in the parks for a mom and 16 year old son, or enjoy some resort time. We have thoughts! We also talk transportation between Fort Lauderdale & Walt Disney World, giving a 1st-timer the best experience possible at Walt Disney World, and even talk to Scott LIVE from Disney's Animal Kingdom park! This and much more on today's show! Come join the BOGP Clubhouse on our Discord channel at www.beourguestpodcast.com/clubhouse! Thank you so much for your support of our podcast! Become a Patron of the show at www.Patreon.com/BeOurGuestPodcast. Also, please follow the show on Twitter @BeOurGuestMike and on Facebook at www.facebook.com/beourguestpodcast. Thanks to our friends at The Magic For Less Travel for sponsoring today's podcast!
This is a buggy listener questions episode as I answer your queries about insect vision, ants outsmarting our poisons, and the impacts of insect farming! See omnystudio.com/listener for privacy information.
Buckeye Weekly Podcast: Key Rivalry Game Insights & Listener QuestionsIn this episode of the Buckeye Weekly Podcast, hosts Tony Gerdeman and Tom Orr delve into the upcoming Ohio State vs. Michigan rivalry game by addressing listener questions from Michigan fans. They discuss if Michigan's defensive line is being underestimated, debate the strengths of the Michigan offensive line, evaluate the impact of Jordan Marshall, and compare Julian Sayin's performance to other notable quarterbacks. Subscribe for in-depth analysis and insights ahead of the big game.00:00 Introduction and Podcast Promotion00:59 Listener Questions from Michigan Fans01:45 Discussion on Michigan's Defensive Tackles05:25 Michigan's Offensive Line Analysis12:23 Jordan Marshall's Impact18:34 Brian Hartline's Future at Ohio State22:39 Heisman Trophy Contenders26:55 Rivalry and Season Expectations30:22 Conclusion and Sign-Off
Welcome to another show full of questions form you, the audience and hopefully some meaningful questions from Pete & Roger. This week we have questions about paying school fees, becoming a financial adviser, how to invest an inheritance and lots more! Shownotes: https://meaningfulmoney.tv/QA33 01:15 Question 1 Good morning Pete & Roger, Thank you for a great podcast, been really enjoying it over the years and it's been no end of help for me. My question concerns my grandchild. She was born in America but now lives in the UK, is duel nationality. As grandparents we were hoping to put money aside into a savings account for her. Now obviously we thought the JISA but as she is born in America we can't do that. Is there any advice for how we can save for her in the most tax efficient way for her, conscious that she is quite young. If we can put some money away now regularly, it could build up into a nice little nest egg for her. Also hoping to do this for other grandchildren, not necessarily born in America. Any advice gratefully received. Mike. 05:48 Question 2 Hello Pete & Rog Wow these Q&As just keep delivering incredible value -keep up the great work! I'm 52 and my wife is 43. We're both higher-rate taxpayers contributing to a DB-DC hybrid via salary sacrifice. We'd like to retire together in 12 years (me at 64, my wife at 55—she has a protected pension age). We both have a DB pension and a DC pension. Combined we have emergency fund of £30k in Cash ISA, no S&S ISA. Observations: - Once both DB & State Pension are in payment pay, planned spending of £60k p.a. is fully covered. - My ability to draw DC within the basic-rate band post-State Pension is limited, as DB 33k p.a. - My wife has much more scope to use her DC tax-efficiently before her DB/State Pension start. - Likely outcome: large residual DC balances if we only withdraw what's needed to spend. Question: Would it be sensible to draw more from DCs early (using UFPLS at ~15% effective tax) and reinvest the surplus in S&S ISAs? This could: - Lock in withdrawals at basic-rate tax before DB/State Pension restrict allowances - Reduce the chance of paying higher-rate tax later - Diversify across ISAs (which we intentionally lack currently) Am I letting the "tax tail wag the investment dog," or is this just pragmatic tax-efficient planning? Cheers, Dunc 09:05 Question 3 Hi, Thank you both for your financial wisdom! It has definitely lit a fire under me! My husband and I (41) would like financial independence at 50. We have received £120k early inheritance gift and also plan to sell 2 rental properties over the next 5 years to reduce commitments (a further approximate £250k post CGT) We are mortgage free and I have since filled our stocks and shares LISA and ISA, investing in 100% equity low cost global trackers. Other than investing the remaining in a GIA and transferring to ISAs each year are there any other options to help money grow over the next 9 years. We may continue to work at 50 but under our terms. We need sufficient to tide us over from 50-57 when we can consider access to Pensions and the LISA at 60. Thanks Amy 12:18 Question 4 Dear Pete & Roger, Thank you so much for all the work you do on YouTube, on the Website and on the Podcast, it really does make a difference to people's lives and long may it continue! I'm 36 years of age, and I currently work as an Aircraft Technician, which I somewhat enjoy. However I find the older I get, the harder it is to keep up with the physically demanding nature of the job, and fear this may become more of an issue further down the line. This has prompted me to think about my future employment. Engineering has been my whole life, and my curiosity for learning and my persistent quest for personal development has resulted in me becoming a fully qualified Car Mechanic and Aircraft Technician. I have also achieved a BSc (Hons) in Motorsport Engineering & Design! However, my race car days are over, and in a way I feel like I have "completed engineering" to the best of my ability, and I am eager to take on a new challenge! I have always been interested in finance (some would say I talk about nothing else!). I've always kept on top of my own personal finance (thanks to yourselves), and try to encourage/empower others to take control of theirs. The past few months I have been thinking of self-studying (whilst remaining in my current employment) for the AAT Level 2+3 in Accountancy, however the more I think about it perhaps Financial Planning is more my cup of tea? I love working with numbers, working with and helping people, planning for the future etc, however I worry I lack the necessary confidence and people skills to become a successful advisor. So I guess my questions are: 1. How do you become a Regulated Financial Planner? 2. Is it possible to self-study for the CII Level 4 in Regulated Financial Planning whilst remaining in employment? Or would you advise against this? 3. Are there any pre-requisites to studying for the CII L4 in RFP? 4. Would an Accountancy role be more suited to someone who does not possess great people/communication skills? 5. Could a RFP qualification open doors to work in industry as a FP&A as oppose to personal finance? 6. Anything else you wish to add for clarity? Both your opinions are highly regarded. Keep up the great work! Kind Regards, Tom 23:55 Question 5 To the wonderful Pete and Rog I am a long time listener with my husband . the podcast and videos have been invaluable in developing our understanding of personal finance - translating complex issues into an accessible format so that people like me can get to grips is a real skill and thank you sincerely! My husband and I are 53 and have quite late become parents to beautiful twin daughters who just started secondary school (and are learning how to slam doors and stamp feet... you know that age...) anyway back to us, we are both employed, my husband is a higher rate tax payer and I am on the lower rate band. Because of some specific issues with the kids development needs we have decided to prioritise their education and to put them in our local small independent school where there is excellent specific support for them. They started in September and were paying £45k per annum. just typing that number scares me! To support the fees we moved house and extended our mortgage. This given us c100k for fees and alongside significant monthly savings out of our income (1.5k) has given us capacity to support the fees for the next three years, however it won't be enough to take them through to GCSEs. We're feeling weighed down by our mortgage which is now significant although supportable because of our salaries. It leaves us very little capacity for savings or luxuries like holidays. We realise this is our choice! Up until this point we have been relatively disciplined paying into pensions. My husband has DB pension scheme which will pay circa 50k a year from the age of 61 (he has been paying in since 21) and one of those good, connected DC pots which should have circa £350,000 in by 61. the 350k can be used to provide the TFLS as it is connected to the DB scheme. So, we know when my husband retires, we will have capacity to clear the current mortgage. But this can only be accessed at 60+. I have a smaller pot which is £180k currently. I'm paying in £150 month which is as much as I can afford. We need to make a planning decision about how do we afford the 5 years of fees not just the next 3? the decision is imminent as we have to renew our mortgage in the coming months. We have we think two options (excluding selling a kidney or two). 1. To further extend the mortgage. This will mean we push back possibility of retirement even further and will certainly use up all £265k of TFLS from husbands pension.... and gives us a problem of repayments - further squeeze. or 2. we wondered whether we could use my pension fund? The idea we had was to use tax-free cash from my pension to support the fees. I will be 55 in November 2027 and we think we might be able to get c £50,000 to use as a TFLS. - Is the drawing my tax-free lump sum a real option? It feels like the only way we might access funds other than the mortgage. - what impact would that have on my pension does it mean I can't continue to contribute to the pot? - Finally, how might we evaluate the pros and cons of the two options? we suspect there is no right or wrong answer but if anyone can offer a few wise words it would be the dynamic duo - thank you're the best. Katherine 31:50 Question 6 Hi Pete and Roger I love this show. There's so much great information and it brings me comfort to know so many people are making similar decisions to me and I seem to be on the right path! My question is about property vs index funds. I am about to inherit about £100k and am wondering what to do with it. I invest in global index funds every month so would be comfortable DCA-ing (pound cost averaging) it in over a few months. But, I do not own a property. So, I could buy a 2-3 bed property in Kent with approx. £150k mortgage and rent out a room to take advantage of the rent-a-room scheme. I am fortunate that my job provides my accommodation so I do not pay ridiculous rent and so do not need a property. Would you choose index funds or property for growth over the next 10-15 years? I'm located in Kent. Thanks for sharing your thoughts. Ceara
Affordable Interior Design presents Big Design, Small Budget
In this episode of the Uploft Interior Design Podcast, I share my personal reflections on Thanksgiving, discussing my small family dynamics and the various ways I've celebrated the holiday over the years. I then dive into a listener question from Theresa in Harrisburg, who is looking to modernize her entertainment center. I provide design advice on wall-mounted TVs and alternative storage solutions to enhance her space. In the second half, I discuss Virginia Giuffre's memoir, "Nobody's Girl," sharing my thoughts on the important themes of sexual abuse and the need for ongoing awareness beyond the Me Too movement. I encourage listeners to consider adding this impactful book to their holiday wish list and remind everyone to tune in next week for more design insights and pop culture discussions. Timestamps: 00:00:00 - Thanksgiving Reflections00:04:04 - Design Advice Introduction00:04:37 - Listener Question from Theresa00:10:39 - Design Solutions for Theresa's Entertainment Center00:16:18 - Virginia Giuffre Book Recommendation00:24:39 - Closing Thoughts and Next Week's Preview Links: Uploft.com AffordableInteriorDesign.com Submit your design questions to be featured on the show Become a Premium Member and access the bonus episodes Click here to become an interior designer with Uploft's Interior Design Academy. Get Betsy's book: betsyhelmuth.com/book For more about our residential interior design services, visit ModernInteriorDesign.com For our commercial interior design services, visit OfficeInteriorDesign.com Follow Us: Instagram: @uploftinteriordesign Facebook: facebook.com/UploftIntDes TikTok: tiktok.com/@uploftinteriordesign LinkedIn: linkedin.com/company/uploft-interior-design If you enjoy the show, please spread the word and leave a review on iTunes! Learn more about your ad choices. Visit podcastchoices.com/adchoices
Welcome back to the show! In this episode, Steve answers questions from his listeners. Did you send in a question? Did you know that you could? Are you going to listen to this episode? You most certainly should! Please remember that Steve answers the questions ent to him personally. No one else can access the inbox at AskSteve@TotalWealthAcademy.com except Steve!
Producer Joel is back and he's bringing the mailbag! See Danny's award winning show The Holiday in London here:m https://www.museumofcomedy.com/danny-ward-the-holiday/See Mark on tour here: https://marksimmons.co.uk/live-dates/ Hosted on Acast. See acast.com/privacy for more information.
After a loyal listener asks whether the Commanders are trying to find an easier matchup for Jayden Daniels' return, Chris Russell shares his perspective, explaining why he disagrees with that notion. The discussion quickly heats up as fans flood the phone lines, offering their own takes and arguing that such a strategy wouldn't benefit the franchise or Daniels' development.
Philosopher Stefan Molyneux examines civic participation and the impact of welfare systems on society. He critiques the reliance on government aid, arguing it fosters dependency and hinders personal initiative. He analyzes capitalism's complexities, emphasizing that success is influenced by market dynamics rather than just hard work. The importance of thoughtful dialogue in a polarized environment is also highlighted. Ultimately, he calls for a reevaluation of personal and collective responsibilities to create a more informed society.Questions submitted:"With Western society resembling that of an insane asylum, how does one stay motivated to participate? Do you ever have the desire to leave and live on an island beach?""If most of your life was a psychological operation, how would you logically assess the moral and strategic response once it all unravels?""When is it right to speak about an issue""How does the phenomenon of 'working yourself out of a job' fit into a logical capitalist system? A logical *and moral* capitalist system rewards productivity and innovation. A crony capitalist system punishes productivity and innovation. Over my many years of work, I've lost track of how many times I was told 'don't work yourself out of a job' or had bosses steal ideas and even claim work done as their own that was done by another. MAKE IT WORK PHILOSOPHICALLY. The last 'frontier' was not peaceful parenting. That was the second to last frontier. The last frontier is private sector ethics, which is the only path toward a real capitalistic society.""What are your thoughts on meditation? Have you ever done it?""In a world where evil is rewarded and good behavior punished, is evil behavior justified?""I have a philosophical question. How should you measure philosophical principles against real world outcomes? It seems to me there needs to be an objective yardstick to gauge philosophical theories.""A man can do bad things all his like and then do one good deed and they say, he's not so bad, a man can so good things all his life and one day do one bad deed and they say, he's shown his true colours""Does evil exist? As a force? A demonic or satanic spirit that possesses individuals or even groups? As a learned behavior?""Are you gonna answer them?"SUBSCRIBE TO ME ON X! https://x.com/StefanMolyneuxFollow me on Youtube! https://www.youtube.com/@freedomain1GET MY NEW BOOK 'PEACEFUL PARENTING', THE INTERACTIVE PEACEFUL PARENTING AI, AND THE FULL AUDIOBOOK!https://peacefulparenting.com/Join the PREMIUM philosophy community on the web for free!Subscribers get 12 HOURS on the "Truth About the French Revolution," multiple interactive multi-lingual philosophy AIs trained on thousands of hours of my material - as well as AIs for Real-Time Relationships, Bitcoin, Peaceful Parenting, and Call-In Shows!You also receive private livestreams, HUNDREDS of exclusive premium shows, early release podcasts, the 22 Part History of Philosophers series and much more!See you soon!https://freedomain.locals.com/support/promo/UPB2025
Send us a text!Welcome to Bright Hearth, a podcast devoted to recovering the lost arts of homemaking and the productive Christian household with Brian and Lexy Sauvé. In this episode, Brian and Lexy take up some great listener questions on weight loss and more!The second run of Lexy's new book, Wisdom on Her Tongue, is now shipping! Pick up your copy here.This episode's Headline Sponsor is: Humble Love — Check out their all-natural magnesium cream. Packed with magnesium chloride and moisturizing oils, it helps ease tension, promote restful sleep, and relieve everyday aches. Click here and use code NCP15 for 15% off your order.Check out Joe Garrisi at Backwards Planning Financial at https://backwardsplanningfinancial.com for all your financial planning needs!The best coffee you'll taste! Lux Coffee Company is caffeinating the New Christendom with artisan roast coffee. Get 15% off your coffee with code "NCP15". https://luxcoffee.co/Want premium, handmade soaps without the seed oils or other nasty hormone disrupters? Check out our partners at Indigo Sundries Soap Co., and use code BRIGHTHEARTH for ten percent off your order!Get all your elderberry products from our friends at The King's Ridge Elderberries! Head to https://tkrfarm.com and use code BRIGHTHEARTH for 10% off!This episode is also brought to you by Live Oak Integrative Health. Visit https://www.liveoakintegrativehealth.com and connect with owner Rebecca Belch, who has served as a critical care and labor and delivery nurse for 20 years and is a licensed practitioner of functional medicine.Thanks to our friends at Gray Toad Tallow for sponsoring this episode! Head over to graytoadtallow.com and use discount code BRIGHT15 for 15% off your order.Wives, get your husband some body armor from Armored Republic. Visit Armored Republic or text JOIN to 88027 to help your husband stand strong.Be sure to subscribe to the show, and leave us a 5-Star review wherever you get your podcasts! Buy an item from our Feed the Patriarchy line and support the show at the same time at briansauve.com/bright-hearth.Become a monthly patron at patreon.com/brighthearth and gain access to In the Kitchen, a special bonus show with each main episode!BLACK FRIDAY DISCOUNTS: https://www.newchristendompress.com/storeSupport the show
Russell takes a listener's question about how a non-believer can meaningfully engage in a book group with Christians. Watch the video of this episode on YouTube here. Submit your own question for the show! Email questions@russellmoore.com — and remember: attach a voice memo! Learn more about your ad choices. Visit podcastchoices.com/adchoices
Buckeye Weekly: Breaking Down Michigan's Win Over Maryland and Ohio State PreviewIn this episode of the Buckeye Weekly Podcast, hosts Tony Gerdeman and Tom Orr dive deep into Michigan's 45-20 win over Maryland. The duo discusses Michigan's strengths and weaknesses, including standout performances, areas of concern, and strategic insights as the Wolverines prepare for their upcoming showdown against Ohio State. With a critical look at both the offensive and defensive sides of the ball, this episode offers a comprehensive analysis of what Michigan fans can expect. Don't miss the actionable insights and expert opinions as Tony and Tom gear up for one of the season's most anticipated matchups.00:00 Introduction and Podcast Opening00:18 Rant on Maryland Football03:21 Michigan vs. Maryland Game Recap05:23 Michigan's Offensive Line and Running Backs10:35 Bryce Underwood's Performance16:03 Michigan's Third Down Efficiency16:05 Defensive Struggles and Key Players16:22 Michigan's Vulnerability in the Passing Game19:28 Defensive Line and Linebacker Analysis23:56 Special Teams and Key Players28:45 Concluding Thoughts and Listener Questions
This episode originally aired on July 17, 2023. Psalm 51 is a powerful expression of repentance and restoration. Written by David in the aftermath of his affair with Bathsheba, it shows humility, brokenness, and a willingness to do whatever God asks of him. It is in this chapter that David writes these words, “Create in me a pure heart, O God, and renew a steadfast spirit within me. Do not cast me from your presence or take your Holy Spirit from me. Restore to me the joy of your salvation and grant me a willing spirit, to sustain me.” Join Ken and Mike as they dig into this rich Psalm loaded with lots of practical insights for us today. And don't miss the Listener Question segment, one of the guys shares some big news.Passage: Psalm 51Support the show
Christopher Price takes a look back at a messy 26-20 win over Cincinnati, has some thoughts about the play of Drake Maye and Hunter Henry, and looks at the route forward after a rash of injuries New England suffered against the Bengals. Plus, Chris takes a bunch of listener questions. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.
Stefan Molyneux addresses a recurring question from listeners:"Is it against UPB to preemptively attack? Someone is at the border of your property with a gun or troops are amassing at a border. Is it moral to attack them first? How far in advance are you able to act and still be moral?"SUBSCRIBE TO ME ON X! https://x.com/StefanMolyneuxFollow me on Youtube! https://www.youtube.com/@freedomain1GET MY NEW BOOK 'PEACEFUL PARENTING', THE INTERACTIVE PEACEFUL PARENTING AI, AND THE FULL AUDIOBOOK!https://peacefulparenting.com/Join the PREMIUM philosophy community on the web for free!Subscribers get 12 HOURS on the "Truth About the French Revolution," multiple interactive multi-lingual philosophy AIs trained on thousands of hours of my material - as well as AIs for Real-Time Relationships, Bitcoin, Peaceful Parenting, and Call-In Shows!You also receive private livestreams, HUNDREDS of exclusive premium shows, early release podcasts, the 22 Part History of Philosophers series and much more!See you soon!https://freedomain.locals.com/support/promo/UPB2025
Stefan Molyneux addresses the following listener questions:"Where was my consciousness before my birth?""Is the Enlightenment or the French Revolution more responsible for where we are today?"SUBSCRIBE TO ME ON X! https://x.com/StefanMolyneuxFollow me on Youtube! https://www.youtube.com/@freedomain1GET MY NEW BOOK 'PEACEFUL PARENTING', THE INTERACTIVE PEACEFUL PARENTING AI, AND THE FULL AUDIOBOOK!https://peacefulparenting.com/Join the PREMIUM philosophy community on the web for free!Subscribers get 12 HOURS on the "Truth About the French Revolution," multiple interactive multi-lingual philosophy AIs trained on thousands of hours of my material - as well as AIs for Real-Time Relationships, Bitcoin, Peaceful Parenting, and Call-In Shows!You also receive private livestreams, HUNDREDS of exclusive premium shows, early release podcasts, the 22 Part History of Philosophers series and much more!See you soon!https://freedomain.locals.com/support/promo/UPB2025
Ohio State vs Rutgers Recap & Michigan Week Preview | Buckeye Weekly PodcastIn this episode of the Buckeye Weekly Podcast, hosts Tony Gerdeman and Tom Orr give their instant reactions following Ohio State's 42-9 win over Rutgers. They discuss the quirky elements of the game, standout performances, and injuries. The conversation also transitions to 'Michigan Week,' analyzing the upcoming Ohio State vs. Michigan matchup, current team standings, injury updates, and the stakes for both teams in this highly anticipated rivalry game. Tune in for a thorough breakdown as the hosts prepare you for next week's showdown. Join the discussion and subscribe for more Ohio State football coverage!00:00 Introduction and Welcome00:08 Recap of the Rutgers Game03:49 Transition to Michigan Week04:56 Listener Questions and Super Chats06:49 Injury Updates and Player Performances12:47 Aggressive Play Calls and Game Strategy17:13 Looking Ahead to the Michigan Game23:56 Post-Game Player Interviews31:44 Post-Game Reflections and Coaching Praise31:55 Senior Day Highlights and Emotions32:10 Shifting Focus to Michigan32:17 Routine and Preparation for the Big Game32:31 Balancing Routine and Rivalry33:05 Addressing Penalties and Preparation33:30 Senior Day Emotions and Reflections33:54 Media Week and Routine Consistency36:36 Michigan's Injuries and Game Strategy38:05 Bold Predictions and Game Analysis40:06 Offensive Strategies and Player Performances44:47 Rivalry Week Traditions and Preparations01:03:02 Final Thoughts and Viewer Engagement
Buckeye Weekly: Key Michigan Players to Watch Ahead of Ohio State ClashIn this episode of the Buckeye Weekly Podcast, hosts Tony Gerdeman and Tom Orr discuss five Michigan Wolverines that Ohio State fans should be concerned about as the Buckeyes prepare for their annual showdown against Michigan. From wide receiver Andrew Marsh to quarterback Bryce Underwood and defensive threats like Jaishawn Barham and Derek Moore, the hosts provide an in-depth analysis of the key players who could impact the game. Tune in for a comprehensive preview of the big game, including listener questions from Michigan fans and insights on how both teams are shaping up for this pivotal matchup.00:00 Introduction and Welcome00:12 Transition to Michigan Week00:52 Five Michigan Wolverines to Watch01:35 Andrew Marsh: Freshman Phenom04:43 Bryce Underwood: The Quarterback Challenge08:58 Michigan's Defensive Threats19:03 Listener Questions and Closing Remarks
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Joe Pisapia and Andrew Erickson offered their advice on YOUR trade questions LIVE on YouTube at youtube.com/fantasypros Timestamps: (May be off due to ads) Intro - 0:00:00 Listener Questions #1 - 0:01:23 Trophy Smack Giveaway - 0:14:53 Listener Questions #2 - 0:15:13 FantasyPros Trade Analyzer - 0:26:50 Listener Questions #3 - 0:27:11 Hard Rock Bet - 0:37:47 Listener Questions #4 - 0:38:40 Outro - 0:59:37 Helpful Links:Hard Rock Bet - All lines provided by Hard Rock Bet. Sign up for Hard Rock Bet and make a $5 bet and you'll get $150 in bonus bets if you win. Head over to Hard Rock Bet, sign up and make your first deposit today. Payable in bonus bet(s). Not a cash offer. Offered by the Seminole Tribe of Florida in FL. Offered by Seminole Hard Rock Digital, LLC, in all other states. Must be 21+ and physically present in AZ, CO, FL, IL, IN, NJ, OH, TN or VA to play. Terms and conditions apply. Concerned about gambling? In FL, call 1-888-ADMIT-IT. In IN, if you or someone you know has a gambling problem and wants help, call 1-800-9-WITH-IT. GAMBLING PROBLEM? CALL 1-800-GAMBLER (AZ, CO, IL, NJ, OH, TN, VA). My Playbook - Sync your league instantly to My Playbook to get custom advice on how to manage your team throughout the season. See your league’s top available players, power rankings, and more for free! Check the “Are They Playing” tool each week to get the latest game-day availability odds for all injured players. If you’re premium – you unlock all kinds of helpful waiver, trade, lineup and league analysis tools. You can even auto-start your team’s optimal lineup each week with Auto-Pilot. Sync your league and dominate every week of the season with My Playbook at fantasypros.com/myplaybook or on the FantasyPros App Follow us on Twitch - The team here at FantasyPros is taking questions all week, every week on Twitch. Follow us on Twitch at twitch.tv/fantasypros and never miss a stream! Discord – Join our FantasyPros Discord Community! Chat with other fans and get access to exclusive AMAs that wind up on our podcast feed. Come get your questions answered and BE ON THE SHOW at fantasypros.com/chat Leave a Review – If you enjoy our show and find our insight to be valuable, we’d love to hear from you! Your reviews fuel our passion and help us tailor content specifically for YOU. Head to Apple Podcasts, Spotify, or wherever else you get your podcasts and leave an honest review. Let’s make this show the ultimate destination for fantasy football enthusiasts like us. Thank you for watching and for showing your support – https://fantasypros.com/review/ BettingPros Podcast – For advice on the best picks and props across both the NFL and college football each and every week, check out the BettingPros Podcast at bettingpros.com/podcast, our BettingPros YouTube channel at youtube.com/bettingpros, or wherever you listen to podcastsSee omnystudio.com/listener for privacy information.
The Composite Two-Star Recruits podcast returns to talk USC Flip SZN rumors, visitor reaction from USC's big 26-21 comeback win over Iowa, the updated 2026 Top247 rankings and the new secret podcast. TIME STAMPS: (0:00): Welcome Back (04:55): Updated Top247 Rankings (39:59): Iowa Recruiting Angle (01:40:20): Friday Night Lights Playoff Edition (02:08:35): Flip SZN Rumors (02:40:03): Listener Questions (03:20:43): Secret Pod Begins To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices
Join Mike, Rikki and Scott today as we answer some amazing Listener Questions! Today, we get a great question from a listener who is sailing Disney Cruise Line for just the second time next Thanksgiving and asks if she can let her kids have a bit of freedom on the ship during their 7-night sailing. Hear our thoughts and suggestions. Also, we discuss if Coral Reef's days are numbered now that it is discontinuing lunch service. We also talk about the new store, aimed at vloggers and influencers coming to the Co-Op at Disney Springs, and much more! Come join the BOGP Clubhouse on our Discord channel at www.beourguestpodcast.com/clubhouse! Thank you so much for your support of our podcast! Become a Patron of the show at www.Patreon.com/BeOurGuestPodcast. Also, please follow the show on Twitter @BeOurGuestMike and on Facebook at www.facebook.com/beourguestpodcast. Thanks to our friends at The Magic For Less Travel for sponsoring today's podcast!
#661: When your income drops, debt spikes, and a rental property starts bleeding cash, it can feel like your entire financial foundation is cracking beneath you. Veronica, our first caller, is navigating all of it at once, from a near-foreclosure to a luxury car payment that's strangling her budget. Her question is simple but enormous, how do you rebuild when you're overwhelmed and out of margin? Once we work through her path forward, we shift to a listener on the opposite end of the spectrum. Daniel has maxed his Roth IRA, HSA, 401(k), and 457, and now sits on growing surplus cash. We talk about where extra money belongs when you're aiming for early retirement and wondering whether to invest, save, or crush a low-interest mortgage. And to close, we take on a question dominating every financial feed right now, what if AI stocks really are in a bubble? We break down what it means to short the market, whether put options are actually a “safe” bet, and how to position a portfolio if you're worried about tech valuations. Listener Questions in This Episode Veronica asks (02:06): How do I dig out of debt, repair my credit, and stabilize my rental after nearly going into foreclosure. Daniel asks (28:17): What should I do with my surplus side hustle cash when I already max tax-advantaged accounts and have a 3.5 percent rental mortgage. Scarlet asks (49:20): If AI stocks are in a bubble like the dot-com era, is there any relatively safe way to profit from a crash, such as put options. Key Takeaways Why tackling the right problem first can change the entire trajectory of a debt recovery plan. How downsizing one major expense can unlock breathing room you didn't realize you had. The surprising factor that often matters more than interest rates when choosing between investing and debt payoff. Why flexible money becomes essential when planning for early retirement. What most people misunderstand about betting against a bubble, especially in fast-moving tech sectors. The simple portfolio shift that can help calm bubble anxiety without trying to time the market. Resources and Links GreenPath Financial Wellness – nonprofit credit counseling and debt management support for people overwhelmed by payments and afraid of bad actors in the debt relief world. Our course: Your Next Raise – a deep dive on how to negotiate a higher salary at work, with a special comp offered in this episode. Paul Merriman Four-Fund Portfolio – the simple, diversified investing framework Daniel uses inside his retirement accounts. The Big Short movie Michael Lewis and the film adaptation. 1929 book by Andrew Ross Sorkin – a historical look at bubbles and crashes. Chapters Note: Timestamps are approximate and may vary greatly across listening platforms due to dynamically inserted ads. (0:00) Veronica's debt crisis and rental challenges (16:46) Cutting car costs and rebuilding cash flow (22:28) Debt relief programs and avoiding bad actors (28:17) Daniel's surplus cash and retirement strategy (37:52) Brokerage vs mortgage payoff discussion (49:20) Can you profit from an AI bubble burst (1:00:40) Why shorting and puts rarely pay off (1:08:18) Safer ways to position your portfolio Got a question: Call it in: https://affordanything.com/voicemail Share this episode with a friend, colleagues, your veterinarian: https://affordanything.com/episode661 Learn more about your ad choices. Visit podcastchoices.com/adchoices
Philosopher Stefan Molyneux examines the philosophical implications of postmodernism, particularly its rejection of objective truth and the resulting moral relativism. He discusses the concept of "hallucination" in artificial intelligence as a metaphor for balancing creativity and utility. By critiquing the decline of rational thought, Stefan highlights its impact on contemporary societal debates, especially regarding race and gender. He warns that without universal moral principles and rational discourse, society risks falling into chaos, emphasizing the need for a return to objective standards.SUBSCRIBE TO ME ON X! https://x.com/StefanMolyneuxFollow me on Youtube! https://www.youtube.com/@freedomain1GET MY NEW BOOK 'PEACEFUL PARENTING', THE INTERACTIVE PEACEFUL PARENTING AI, AND THE FULL AUDIOBOOK!https://peacefulparenting.com/Join the PREMIUM philosophy community on the web for free!Subscribers get 12 HOURS on the "Truth About the French Revolution," multiple interactive multi-lingual philosophy AIs trained on thousands of hours of my material - as well as AIs for Real-Time Relationships, Bitcoin, Peaceful Parenting, and Call-In Shows!You also receive private livestreams, HUNDREDS of exclusive premium shows, early release podcasts, the 22 Part History of Philosophers series and much more!See you soon!https://freedomain.locals.com/support/promo/UPB2025