Podcasts about living adjustment

Evan Cartwright, Tim Darcy, and Ben Stidworthy from Cola are here to discuss their new album Cost of Living Adjustment, the first Ought interview ever, why Ought ended when it did, group dynamic stressors and Buddhism, the way Cola work together, cool beats and whether or not Ben could be a music producer, delving particularly deeply into the songs “Hedgesitting” and “Much of a Muchness,” the band's subtle acronym name, sports metaphors, capitalist critiques, and escapism, tour dates and new songs, other future plans, and much more.EVERY OTHER COMPLETE KREATIVE KONTROL EPISODE IS ONLY ACCESSIBLE TO PATREON SUPPORTERS STARTING AT $6/MONTH. Enjoy this excerpt and please subscribe now via this link to hear this full episode. Thanks!Thanks to Blackbyrd Myoozik, the Bookshelf, Planet Bean Coffee, and Grandad's Donuts.Support Y.E.S.S., Pride Centre of Edmonton, and Letters Charity. Follow vish online.Related episodes/links:Win an American Football Vinyl Bundle + a Mug in May/June 2026!Ep. #1080: Charlotte CornfieldEp. #1028: Jane Inc.Ep. #997: Bria SalmenaEp. #988: U.S. GirlsEp. #961: Eliza NiemiEp. #873: Luka KuplowskyEp. #792: Nico PauloEp. #739: Isla CraigEp. #636: SofaEp. #93: OughtSupport this show http://supporter.acast.com/kreative-kontrol. Hosted on Acast. See acast.com/privacy for more information.

Welcome to You Had to Be There, the podcast where we deep dive into the world of the music industry. I'm your host, Julia Gomberg. This week, I'm thrilled to welcome Evan Cartwright, drummer of the post-punk band Cola from Montreal. We chat about the band's new release, Cost of Living Adjustment, out now, and Evan takes us behind the scenes of how the band's separate musical lives came together to form a sound that blends post-punk edge, minimalism, and intelligence.Be sure to check out Cola's music and upcoming tour dates below, and follow the pod on Instagram at @uhadtobetherepod. Thanks for listening, and I'll catch you next time.Cola on IG: https://www.instagram.com/band_cola/Listen to 'Cost of Living Adjustment': https://found.ee/colaband

Oliver looks at another spaced-out indie gem from Kurt Vile's upcoming record. Also, new music from U.S. shoegazers The Asteroid No.4. Then, a song from U.K. post-punkers Cola's new record 'Cost of Living Adjustment'. Tracklist: 1. Kurt Vile - Fo Sho 2. Kurt Vile - Zoom 97 3. The Asteroid No.4 - Protostar 4. The Asteroid No.4 - Wicked Wire 5. The Asteroid No.4 - Shadowed 6. Cola - Hedgesitting Follow @asonicyouthpodcast on Insta and Facebook. This show is part of the Free FM 89.0 YOUTH ZONE. Made with support of NZ on Air.

Being a Millionaire Ain’t What It Used to Be Episode 367 – It wasn't that long ago that Regis Philbin drew massive viewers with his TV program Who Wants to be a Millionaire. Never mind the fact that the top prize was $1 million before taxes, which is considerably less than $1 million after taxes. But in today's economy, being a millionaire does not necessarily project the same status it once did. Or does it? More SML Planning Minute Podcast Episodes Transcript of Podcast Episode 367 Hello, this is Bill Rainaldi, with another edition of Security Mutual's SML Planning Minute. In today's episode, being a millionaire ain’t what it used to be. It wasn't that long ago that Regis Philbin drew massive viewers with his TV program Who Wants to Be a Millionaire. Never mind the fact that the top prize was $1 million before taxes, which is considerably less than $1 million after taxes. And while it's much more noticeable today, even during Y2K, being a millionaire did not give the same status that it once did. Yet it's an achievement many of us are shooting for. According to a new study, almost half of all workers (48 percent) have set $1 million as their retirement benchmark. That number was only 37 percent in 2024. But people aren't necessarily optimistic about reaching that milestone. In fact, a mere 27 percent actually expect to get there.[1] Another recent study provides more information on this. An analysis of government survey data done by Bloomberg indicates that there are more than 24 million millionaire households, or almost one in five. But a lot of that wealth is sealed into 401(k)s, IRAs and home equity, none of which is easily accessible. This is especially true for households in the lower end of the millionaire spectrum, with a net worth between $1 million and $2 million, which on average, have 66 percent of their wealth locked into these types of assets.[2] It’s important not to minimize what so many people have accomplished. $1 million is a great emotional milestone. And it's still a lot of money. The median household net worth is considerably less: about $193,000.[3] But nowadays, you might not be able to live off $1 million. It could end up lasting you a long time, but it all depends on where you live (which you can control), your health and longevity (which you might not be able to control), and how much you spend on things like housing, health care and other expenses. Every situation is different, of course. The cost of living varies widely throughout the United States. According to research by Forbes magazine, the average cost of living, defined as “housing costs, transportation, health care, food and income taxes,” is the highest in Hawaii at $55,491. Mississippi comes in the lowest with an average of $32,336. Of course, this is just for the essentials. The figures don't include entertainment, travel or anything else.[4] When it comes to longevity, average life expectancy has some quirks to it. For one thing, each year you age, your remaining life expectancy goes down, but not by a full year. This is a statistical oddity due to the fact that you're still here, but a few of your peers are not. For example, if you are a male age 60, your remaining life expectancy is 23.3 years, or to age 83.3. But if you make it to age 65, your new life expectancy is 19.3 years, or to age 84.3.[5] There are gender differences as well. For people age 65, females, on average, outlive males by approximately 2.7 years.[6] These are all just averages, of course. But the resulting life expectancies are often longer than people might anticipate. Here's another unique statistic: For a married couple age 60, there is approximately a 60 percent chance that at least one of the two will live past age 90.[7] That may or may not be you, but the longer you expect to live, the more concerned you will be about whether your $1 million is enough. How long will it last, and will you still be around when it runs out? Here are three hypotheticals compiled by SmartAsset. In the first one, assume you start with $1 million and get a 6 percent return. Also assume you are in a 24 percent tax bracket and you spend $5,000 per month. In that scenario, your $1 million should last you 30 years. But in the second scenario, assuming your return goes down to 5 percent, the well would run dry in 26 years. In the third scenario, your return goes up to 7 percent. But your tax bracket is also higher: 32 percent, and your withdrawal goes up to $6,000 per month. With those assumptions, your savings would only last 23 years.[8] Keep in mind that these examples do not include other sources of income such as Social Security. The maximum amount of Social Security you can collect is $5,181[9] per month before tax and Medicare charges, but that assumes you paid in the maximum and collect at age 70, which less than 10 percent of people do.[10] The average benefit is approximately $1,959 per month.[11] But when it comes to retirement income, the one huge advantage Social Security has is that it is indexed for inflation, although the Cost of Living Adjustment (or COLA) increases don't always keep up. So, how much you can accumulate for retirement is important, but it's not everything. Perhaps some of us are focusing on the wrong thing. Maybe it's just as important to have an income plan as it is to have an accumulation plan.[12] In other words, no matter how much you save, it's still only the first half of the journey. [1] Randall, Steve. “Nearly half of workers peg retirement target at $1M as anxiety climbs.” Investmentnews.com. https://www.investmentnews.com/retirement-planning/nearly-half-of-workers-peg-retirement-target-at-1m-as-anxiety-climbs/263546 (accessed December 15, 2025). [2] Steverman, Ben, Tartar, Andre and Davidson, Stephanie. “America Is Minting Lots Of Cash-Strapped Millionaires.” Fa-mag.com. https://www.fa-mag.com/news/america-is-minting-lots-of-cash-strapped-millionaires-84395.html (accessed December 12, 2025). [3] Kane, Libby. “The net worth it takes at every age to be richer than most people you know.” Businessinsider.com https://www.businessinsider.com/net-worth-data-american-wealth-age-2025-4 (accessed December 12, 2025). [4] Rothstein, Robin. “Examining The Cost Of Living By State.” Forbes.com. https://www.forbes.com/advisor/mortgages/cost-of-living-by-state/ (accessed December 15, 2025). [5] Social Security Administration. “Retirement & Survivors Benefits: Life Expectancy Calculator.” Ssa.gov. https://www.ssa.gov/OACT/population/longevity.html (accessed December 15, 2025). [6] The Global Statistics. “Life Expectancy by Age in the US 2025 | Stats & Facts.” Theglobalstatistics.com. https://www.theglobalstatistics.com/life-expectancy-by-age/ (accessed December 15, 2025). [7] Social Security Administration. “Longevity Visualizer.” SSA.gov. https://www.ssa.gov/policy/tools/longevity-visualizer/index.html (accessed December 15, 2025). [8] Smartasset.com. “Is $1M Enough to Retire Comfortably in 2025? Replace Guesswork With a Fiduciary-Built Plan.” Insights.smartasset.com. https://insights.smartasset.com/sem/how-long-will-1m-last-in-retirement?utm (accessed December 15, 2025). [9] Social Security Administration. “Worker with steady earnings at the maximum level since age 22.” Ssa.gov. https://www.ssa.gov/OACT/COLA/examplemax.html (accessed December 15, 2025). [10] Royal, James. “What age do most Americans take Social Security?” Bankrate.com. https://www.bankrate.com/retirement/when-do-most-americans-take-social-security/ (accessed December 15, 2025). [11] Horton, Cassidy. “What's the average Social Security check in Dec. 2025?” Aol.com. https://www.aol.com/finance/retirement-planning/article/average-social-security-benefit-payment-december-2025-195039610.html (accessed December 15, 2025). [12] LaPonsie, Maryalene. “Can You Retire on $1 Million? Here’s How Far It Will Go in 2025.” USNews.com. https://money.usnews.com/money/retirement/articles/can-you-retire-on-one-million (accessed December 15, 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

Are invisible fees quietly draining your retirement savings? This episode of the Unleash Your Wealth podcast dives into the real impact of Social Security, Cost of Living Adjustment or COLA, rising Medicare premiums, and the hidden costs lurking in 401(k)s and IRAs. Discover why relying solely on Social Security may not be enough, how to spot and reduce unseen expenses, and the importance of dynamic, personalized financial planning for a confident retirement. For more information or to schedule a consultation with SC Wealth Advisors visit: scwealthadvisors.com Raj Shah and Rick Borek focus on wealth management, retirement planning, personal finance, taxes, estate planning and so much more. Combined, Raj and Rick have over 55 years of financial planning experience and are eager to help you retire in the most efficient manner. See omnystudio.com/listener for privacy information.

This just in! Social Security announced the Cost of Living Adjustment for 2026. Listen on the ASG podcast for the official numbers and how the COLA increase impacts your clients.   Read the text version  

During this episode, we're going to discuss Social Security's Cost of Living Adjustment increase as well as maximizing your Social Security.

During this episode, we're going to discuss Social Security's Cost of Living Adjustment increase as well as maximizing your Social Security.

President and CEO of the Better Business Bureau Steve Bernas joins Bob Sirott to talk about how you can safely donate to wildfire relief efforts, fake rewards from holiday purchases, and a warning from the Illinois Attorney General. He also shares details about how to recognize a Cost-of-Living Adjustment scam, fake banking apps, and fake emails about iCloud […]

During this episode, we're going to discuss the recent news about Social Security's Cost of Living Adjustment increase as well as maximizing your Social Security payment.

During this episode, we're going to discuss the recent news about Social Security's Cost of Living Adjustment increase as well as maximizing your Social Security payment.

During this episode, we're going to discuss the recent news about Social Security's Cost of Living Adjustment increase as well as maximizing your Social Security payment.

During this episode, we're going to discuss the recent news about Social Security's Cost of Living Adjustment increase as well as maximizing your Social Security payment.

During this episode, we're going to discuss the recent news about Social Security's Cost of Living Adjustment increase as well as maximizing your Social Security payment.

During this episode, we're going to discuss the recent news about Social Security's Cost of Living Adjustment increase as well as maximizing your Social Security payment.

During this episode, we're going to discuss the recent news about Social Security's Cost of Living Adjustment increase as well as maximizing your Social Security payment.

During this episode, we're going to discuss the recent news about Social Security's Cost of Living Adjustment increase as well as maximizing your Social Security payment.

  This just in! Social Security announced the Cost of Living Adjustment for 2025. Get the official numbers and learn more about how the COLA increase impacts your clients.   Read the text version   Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: 2025 Medicare Advantage and Medicare Part D Premiums: https://link.chtbl.com/ASGF20241004 CMS Announces Medicare $2 Drug List Model RFI: https://link.chtbl.com/ASGF20241011 Optimize Client Acquisition by Becoming a Registered Social Security Analyst ft. Tom Drapala: https://link.chtbl.com/2024TomDrapala Preparing Clients for the New Medicare Prescription Payment Plan Program: https://link.chtbl.com/ASG621 Staying Motivated Amidst Change & Disruption: https://link.chtbl.com/ASGM20240710 What to Do if Your Medicare Part D Plans Become Non-Commissionable: https://link.chtbl.com/ASGN20241005   References: “Consumer Price Index - September 2024.” BLS.Gov, US Bureau of Labor & Statistics, 10 Oct. 2024, www.bls.gov/news.release/pdf/cpi.pdf. “Create Your Personal My Social Security Account Today.” SSA, Social Security Administration, www.ssa.gov/myaccount/. Accessed 11 Oct. 2024. Bogle, Darlynda. “How the Hold Harmless Provision Protects Your Benefits.” Blog.SSA.Gov, Social Security Administration, 19 Aug. 2024, blog.ssa.gov/how-the-hold-harmless-provision-protects-your-benefits/. “Social Security Cost of Living Adjustment.” SSA.Gov, Social Security Administration, 10 Oct. 2024, www.ssa.gov/cola/.   Follow Us on Social!  Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/

Will your benefits be there when you need them the most? If so, should you collect your benefits as soon as possible? This is something I'm frequently asked, so much so that I decided it was time to address it. So in this episode of Retire with Ryan, I'll cover how Social Security works, how long Social Security will remain solvent, and whether or not you should collect early.  You will want to hear this episode if you are interested in... [1:52] How does social security work? [4:23] Social Security solvency report [6:10] What are the options? [10:24] Are there enough people paying in?  [11:25] Should you wait to collect Social Security?  How does social security work? Every dollar you earn—up to an annual maximum amount—is taxed for Social Security and Medicare. This is known as the FICA tax. You pay 6.2% of your income up to $168,600. The company you work for also pays 6.2%. If you're self-employed, you pay both portions. The amount you earn over $168,000 isn't subject to the FICA tax (but is subject to the Medicare tax). The limit is adjusted upward annually.  The money is used to pay current Social Security beneficiaries their monthly check. When social security first started, 40 people were paying into the fund to every one person collecting. That ratio is now closer to 2-to-1.  The initial surplus was put into the Social Security Trust Fund to pay for future benefits. Now, more funds are being paid out than taxes being collected. The government is covering the deficit from the trust fund. This is why people are worried that Social Security will go broke.  Social Security solvency report Each year, a report is issued on the solvency of Medicare, Social Security, and other social systems. It states that, unfortunately, Social Security and Medicare programs both continue to face significant financing issues. What else does it say? The Old-Age and Survivors Insurance (OASI) Trust Fund will be able to pay 100 percent of the total scheduled benefits until 2033. After this, 79% of scheduled benefits will be paid annually. If nothing is done in the next nine years, starting in 2033, recipients will see a 21% reduction in their benefits. This would be catastrophic for most people. How can we solve the solvency problem?  Most retirees get 40% of their income from Social Security. Congress must do something to make sure people receive the same benefits. What can they do? Raise the Social Security earnings limit: They could raise or do away with the annual cap and tax everyone on their entire annual income.  Increase in the percentage that's paid in: Instead of 6.2%, they may raise the FICA tax to 7.2% or 8%.  Increase in the age of retirement: Full retirement age for someone born after 1960 is 67. They may raise the age to 68, 69, or 70.  Increase the taxation of benefits: Social Security benefits are taxed based on your earned income in the tax year you're receiving your benefits. Benefits weren't taxed in the past. But in 1983, Social Security was made taxable.  Changing the cost-of-living adjustment calculation: In 2024, the COLA was 3.2%. With the high inflation we're experiencing, this adjustment gives people a chance to have their income keep pace with inflation.  Part of Social Security money could be set aside and invested in stocks/bonds: This is a quite unpopular proposition that some people believe is too risky.  Congress needs to decide what they're going to do and pass a bill into law. However, Congress tends to wait until the last minute to get things done. The last big change was in 1983. Hopefully, the next change will make the system solvent for longer.  Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Fiduciary: How to Find, Hire, and Establish an Aligned and Trusted Partnership with a Fee-Only Financial Advisor Status of the Social Security and Medicare Programs (2024) Cost-of-Living Adjustment (COLA) Information for 2024 How Medicare Enrollment Impacts HSA Contributions  Changes to the Social Security Cost of Living Adjustment in 2023 Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan

I'm Annette Leonard of https://www.annetteleonard.com find me on Instagram https://www.instagram.com/theannetteleonard You finally heard that you've been approved for Social Security Disability. Treat yourself -- whether that's a call to a friend, a gf cupcake, or some other way that you do something good for yourself, take a moment to celebrate. Having this resource to support yourself, matters! It's been a while since I crossed this hurdle, but to my memory: if you're legally married, you'll have to make some decisions about whether you'll take a greater amount each month or leave a spousal benefit after your death. 2 years after your EOD (your eligibility date) is when you become eligible for Medicare. There are a whole cascade of decisions you'll then have to make. For those of us who don't have other health care options, or who have been self-paying, or buying through COBRA, getting Medicare is a big deal. Every year, SSD sends you an award letter. Keep that letter. Some years there will be a COLA (Cost of Living Adjustment) of a percent or two. Through my research I found its rare for people to get less than $1200/month in benefits and it's also rare for people to get more than $3000/month in benefits. If you're wondering what the average benefit is, that's what's typical. That's the end of my series on Social Security Disability benefits. If you have other questions I haven't answered, let me know below. **I have a new mini-course I'm finishing about how to unlock the power of your next doctor appointment*** the first 50 people get FREE enrollment. Sign up here https://www.annetteleonard.com/waitlist This is the Chronic Wellness Podcast. I'm Annette Leonard, speaker, coach, and sick person who believes that my illnesses do not define me. If health is the absence of disease and wellness is the presence of wholeness, then no matter what your disease status, we can work toward your wellness, your wholeness. Whether or not you are ever "healthy" on paper, you can be well. Join me and others on the path back to wholeness at AnnetteLeonard.com. Whether you are a person experiencing chronic illness or are someone who loves or serves people with chronic illness I have great resources here on this channel or on my website for you.

The Cost-of-Living Adjustment for Veterans' disability compensation in 2024 was announced at 3.2 percent. In this episode of CCK Live, we will discuss how this change in COLA will affect veteran's benefits, what the 2024 pay chart looks like, and what veterans can expect for their VA disability benefits in 2024. Tune in to this episode to learn everything you need to know about the 2024 COLA adjustment and VA disability pay chart. For more information, visit our website at ⁠⁠⁠⁠⁠⁠cck-law.com⁠⁠⁠⁠⁠⁠ Follow us on social media: ⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠ - ⁠⁠⁠⁠⁠⁠https://bit.ly/CCKYTL⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠ - ⁠⁠⁠⁠⁠⁠https://bit.ly/CCKFBL⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠ - ⁠⁠⁠⁠⁠⁠https://bit.ly/CCKINL⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠Twitter⁠⁠⁠⁠⁠⁠ - ⁠⁠⁠⁠⁠⁠https://bit.ly/CCKTL

Welcome to The Sentinel Pension Show! We have a new episode for you to start your Tuesday off right. This week, Melissa and Kasey discuss COLA limits, or Cost of Living Adjustment limits. These limits change annually, so it is important to stay up to date on the latest limits and know how they can impact your retirement plan contributions. Visit our website for more information: ⁠⁠⁠⁠Sentinel Pension (sp-tpa.com)⁠⁠⁠⁠ Call us at 225-300-8478 ⁠⁠⁠⁠⁠Follow us on LinkedIn⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠Follow us on Facebook ⁠⁠⁠⁠⁠ Music by Adam Vitovsky

During this episode, we're going to discuss the recent news about Social Security's Cost of Living Adjustment increase as well as maximizing your Social Security payment.

During this episode, we're going to discuss the recent news about Social Security's Cost of Living Adjustment increase as well as maximizing your Social Security payment.

#BRNAM #1573 | Is the Social Security Cost of Living Adjustment in 2024 Enough? | David R. Baker, Harvest Investment Consultants  | #Tunein: broadcastretirementnetwork.com #JustTheFacts For more information: https://harvestinvestment.com/

During this episode, we're going to discuss the recent news about Social Security's Cost of Living Adjustment increase as well as maximizing your Social Security payment.

During this episode, we're going to discuss the recent news about Social Security's Cost of Living Adjustment increase as well as maximizing your Social Security payment.

During this episode, we're going to discuss the recent news about Social Security's Cost of Living Adjustment increase as well as maximizing your Social Security payment.

During this episode, we're going to discuss the recent news about Social Security's Cost of Living Adjustment increase as well as maximizing your Social Security payment.

During this episode, we're going to discuss the recent news about Social Security's Cost of Living Adjustment increase as well as maximizing your Social Security payment.

During this episode, we're going to discuss the recent news about Social Security's Cost of Living Adjustment increase as well as maximizing your Social Security payment.

During this episode, we're going to discuss the recent news about Social Security's Cost of Living Adjustment increase as well as maximizing your Social Security payment.

During this episode, we're going to discuss the recent news about Social Security's Cost of Living Adjustment increase as well as maximizing your Social Security payment.

  Stay up to date on industry news to keep your clients informed. In this episode we've got the details for the 2024 Cost of Living Adjustment, listen to find out more! Read text version   Ask the Agent Survival Guide Podcast! Fill out the form: https://bit.ly/askasg Email us: asgpodcast@ritterim.com Or call 1-717-562-7211 and leave a voicemail.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim Twitter, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance   Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/    Resources: 2024 CMS Compliance Regulation Updates for Agents ft. Alyson Seighman: https://agentsurvivalguide.podbean.com/e/2024-cms-compliance-regulation-updates-for-agents-ft-alyson-seighman/ 2024 Medicare Part A & B Premiums and Deductibles: https://agentsurvivalguide.podbean.com/e/2024-medicare-part-a-and-b-premiums-and-deductibles/ 5 Things Medicare Beneficiaries Report About Their Coverage in 2023: https://agentsurvivalguide.podbean.com/e/5-things-medicare-beneficiaries-report-about-their-coverage-in-2023/ Do's and Don'ts of Medicare Compliance: https://agentsurvivalguide.podbean.com/e/do-s-and-don-ts-of-medicare-compliance-2023/ Register with Ritter, Get Access to Our Full Suite of Tools: https://app.ritterim.com/public/registration/ Thrive Tomorrow Kits: https://www.ritterim.com/kit-thrive/   References: 2024 Medicare Parts A & B Premiums and Deductibles: https://www.cms.gov/newsroom/fact-sheets/2024-medicare-parts-b-premiums-and-deductibles CMS Fast Facts: https://data.cms.gov/fact-sheet/cms-fast-facts Here's how much more you'll pay for Medicare Part B in 2020: https://www.cnbc.com/2019/11/11/heres-how-much-more-youll-pay-for-medicare-part-b-in-2020.html Social Security Fact Sheet: https://www.ssa.gov/news/press/factsheets/colafacts2024.pdf U.S. Bureau of Labor Statistics Consumer Price Index: https://www.bls.gov/cpi/

In this episode of ABL Live, we covered a variety of topics, including the conflict that is ongoing over in Israel, Steve Scalise withdrawing his name from contention for the Speaker of the House nomination, the Philly LGBT activist deleted by his alleged grooming victim, Brian Mast wearing his IDF uniform on Capitol Hill in an affront to Rashida Tlaib, Dave Rubin supporting the banning of pro-Palestine protests in France despite being a free-speech advocate, the 2024 Social Security Cost of Living Adjustment being much less than 2023 and 2022, a singular gun charge being dropped against Hunter Biden, Carlee Russell being found guilty in the Alabama kidnapping hoax from earlier this year, and much more! --- Support this podcast: https://podcasters.spotify.com/pod/show/anthony-logan/support

How will things change for those saving for retirement in 2024? What is the estimated cost of living adjustment going to be? Do you think you're on track for a comfortable retirement? These are the questions I discuss in this episode of the Retirement Made Easy podcast. If you're planning for your dream retirement, these are things you need to know. Don't miss it!  You will want to hear this episode if you are interested in... [1:37] Check out RetirementMadeEasyPodcast.com [2:20] Changes to the catch-up contribution in 2024 [8:50] How much should you save for retirement? [12:45] The estimated cost of living adjustment for 2023 [14:06] Are you on track for retirement?  Resources & People Mentioned 3 Steps to Retirement Planning Ed Slott High-income retirement savers may have to pay tax now on catch-up contributions. Eventually. T. Rowe Price Says You Need This Much Saved For Retirement Based on Your Income Cost-of-Living Adjustment for 2024 Could Be 3.1% Connect With Gregg Gonzalez Email at: Gregg@RetireSTL.com  Podcast: https://RetirementMadeEasyPodcast.com Website: https://StLouisFinancialAdvisor.com Follow Gregg on LinkedIn Follow Gregg on Facebook Follow Gregg on YouTube Subscribe to Retirement Made EasyOn Apple Podcasts, Spotify, Google Podcasts

Low costs and tax efficiency are obvious pluses, but so are ease of oversight and cash flow extraction.Today's Stocks & Topics: Treasury Department, Economist Paul Krugman, ING - ING Groep N.V. ADR, RGR - Sturm Ruger & Co., SWBI - Smith & Wesson Brands Inc., GLW - Corning Inc., Reverse Split, RF - Regions Financial Corp., WBD - Warner Bros. Discovery Inc. Series A, New Home Sales, IEP - Icahn Enterprises L.P., CHPT - ChargePoint Holdings Inc. TRIVIA QUESTION: "The recent 8.7% cost-of-living adjustment, or COLA, put about $140 per month more in Social Security beneficiaries' checks...but looking at statistics...... What do you suppose has been the AVERAGE Social Security COLA (Cost of Living Adjustment) since the year 2000? AND-- HOW does that compare with the cost of goods and services AVERAGE over that SAME TIME PERIOD?Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

We're thrilled to get the ball rolling with Season Eight of The Guided Retirement Show. Season Eight begins with a familiar guest, as Garner Insurance Agency, LLC Owner Taylor Garner returns to The Guided Retirement Show. Taylor last appeared on the podcast in March to discuss health care costs in retirement. For this episode, he and Dean Barber will talk about Medicare changes in 2023. In this podcast interview, you'll learn: There was an historic 8.7% Bump in the 2023 Cost-of-Living Adjustment for Social Security recipients We received some good news on the Medicare Part B premium front as well Inflation is at the root of the Medicare changes in 2023 As always, it's important to plan ahead when considering Medicare changes The pros and cons of group health insurance vs. Medicare START PLANNING To get a full recap of today's conversation, including the biggest takeaways, transcripts, and links to all the resources mentioned, visit GuidedRetirementShow.com/79 Learn More about Retirement Planning Find out more about retirement planning and Barber Financial Group, by visiting BarberFinancialGroup.com

December 12, 2022, Sarah Reith — The Board of Supervisors is looking for $6.1 million to balance its books for Fiscal Year 2021/22, as costs and interest rates soar and sales tax decreases. The county reached a tentative agreement with its largest employee union for a 2% Cost of Living Adjustment, which it might be able to fund with a pension reserve account. The self-funded healthcare plan that was in place when the county racked up a $3.6 million deficit has now been swapped out for a pool plan that will require an increase in employee contributions. That's supposed to save the county $685,000 a year, but unknown future obligations are likely to be sizable. At last week's budget workshop, the Board reviewed an analysis of the costs for building the new jail for mentally ill inmates, which includes millions in staffing. The Board also heard a reminder that the county is still waiting on more than $9 million of covid relief money promised by FEMA. That money has been borrowed from the treasury, and the interest is not recoverable. And there's been no paper trail documenting the direction that former auditor Lloyd Weer allegedly received from the State Controller's office in 2016, telling him the county should spend down the healthcare reserves by not paying into the health plan for three months out of the year or requiring employees to pay into it. Supervisor Ted Williams described the situation to Assembly member Jim Wood last week, and asked him for help from the state. “I don't know, when I've voted on balanced budgets in the past, whether they were actually balanced,” Williams said. “That's coming to light. We have a health plan that was millions over, and part of that was due to a holiday. I understand that's because we got a call from the state. The state said we had accumulated too much money. We needed to spend it down. I don't know what department of the state or why they would have done that by phone instead of writing…our finances are in such disarray, if I were in the state's position, I would be looking at this rural county, thinking, we need to conserve them, clean up this mess and then give control back. Do you have any thoughts on how we move forward? We don't have the local labor pool, we don't have the funds to hire the staffing. It sounds like we have an office that was based on paper and spreadsheets, not automated systems. I think the Board and staff want to move forward and get our books in order, but we don't know how.” Wood was noncommittal, saying, “We're happy to work with you on that. Those are issues that we're becoming aware of. I don't know where there is potential for state resources there, but one of the things I'm always pushing for in my role is more technical assistance and support for rural counties.” Acting Deputy CEO Sara Pierce told the Board the county has received $9.1 million in covid money from FEMA and is still waiting for another $9.4 million. Supervisor John Haschak questioned her and CEO Darcie Antle. Pierce said when the county receives the amount FEMA has promised, it will go into the county's disaster recovery budget unit, since that unit “is currently sitting in a $10 million deficit.” “How does that deficit show up?” Haschak asked. “Are we using reserves to cover that deficit at this point?” Antle told him that she believes the county is paying interest to the treasury, as it is for the money it borrowed to cover the health plan deficit. “And so that interest won't be recoverable,” Haschak deduced. “When FEMA finally pays us, it will just be the base pay.” “Correct,” Antle confirmed. The Board also learned that the new jail will cost the county $2.5 million a year in employee wages and benefits. General Services Agency Director Janelle Rau explained why expectations for ongoing facilities costs at the new jail have risen. “We're moving towards a cost of ownership model, versus the historical practice of what is contained in the Board's Policy 33 regarding facility maintenance,” she said. That policy, last amended in 2007, states that seventy cents per square foot is to be funded for future capital costs. The standards for the cost of ownership model, which includes a capital reserve that budgets for ongoing facilities upkeep, is closer to $3 a square foot. Projections under the new model are sobering, and possibly more realistic. Rau told the Board that, “What we've estimated now, based on that expanded footprint, would be an additional $175,000. Again, currently the Board is not funding capital maintenance reserves. Funding is occurring on a project by project basis.” Supervisor Dan Gjerde argued for several belt-tightening initiatives, including consolidating dispatch services, offering employees the option of a less comprehensive healthcare plan, and unloading county parks. “How can we maintain the pretense that we're going to keep these five or six county parks that are basically neighborhood parks?” he asked, before proposing an aggressive policy for park divestiture. “I think we need to set a schedule, where in the next two to three years, at a certain date and point in time, they will be offloaded. We will put them on the open market, if no non-profit steps forward, if no community services district steps forward, because we do not have the money to maintain our county roads.” The budget ad hoc committee, which consists of Supervisors Williams and Glenn McGourty, made several suggestions, including maintaining the current vacancy rate for non-mandated General Fund positions, except for those currently in recruitment; decommissioning services, including animal control on the coast; and increasing remote work to cut down on county-maintained office space. The budget workshop is on the agenda again for tomorrow's meeting. The Board will also decide on whether or not to accept agreements with two employee unions.

Do you know how long you have to work to become fully insured for social security benefits? What happens if you spend time out of the workforce? Will social security benefits be available for future retirees? Our guest has over 30 years experience working  for the Social Security Administration.  In this episode,  Melissa Joy, CFP interviews, Vonda VanTil,  Public Affairs Specialist representing the agency in Michigan. Vonda shares her knowledge on all things Social Security for listeners of all ages. Resources:Learn more about Melissa Joy and Pearl Planning. Find out more about Vonda VanTil Create an account or check your estimated Social Security benefits.Read Blog , What Issues Should I Consider When Dealing With High InflationListen to Episode 139: Cost-of-Living-Adjustment for 2023 with Melissa FradenburgLinks are being provided for information purposes only. The information herein is general and educational in nature and should not be considered legal or tax advice. Tax laws and regulations are complex and subject to change, which can materially impact investment results. Pearl Planning cannot guarantee that the information herein is accurate, complete, or timely. Pearl Planning makes no warranties with regard to such information or results obtained by its use and disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Consult an attorney or tax professional regarding your specific situation. Please note, changes in tax laws or regulations may occur at any time and could substantially impact your situation. Pearl Planning financial advisors do not render advice on tax matters. You should discuss any tax matters with the appropriate professional.

Lenny Baillargeon, Chair of the New Bedford Retirement Board joins Marcus to discuss the role of the retirement board in municipal government and the recent vote in the City Council to raise the Cost of Living Adjustment for city retirees and survivors. Then City Council President Ian Abreu stops by to discuss some upcoming community events.

Lenny Baillargeon, Chair of the New Bedford Retirement Board joins Marcus to discuss the role of the retirement board in municipal government and the recent vote in the City Council to raise the Cost of Living Adjustment for city retirees and survivors. Then City Council President Ian Abreu stops by to discuss some upcoming community events.

Are you ready to end the year strong? With just 7 weeks left in 2022, Melissa Joy, CFP, ® and Melissa Fradenburg, CDFA, ® discuss year end financial planning.  It's important to organize your financial "to-do's" and set intentions going into the new year. In this episode we will cover taxes, retirement contribution deadlines, Roth conversions, charitable giving, and cash reserves. Resources:Learn more about Melissa Joy, CFP ® and Pearl Planning.Sign up for our Year End Webinar or watch the Replay. Listen to Episode 140: Making the Most of Your Employee Benefits with Melissa Joy.Listen to Episode 139: Cost-of-Living-Adjustment for 2023 with Melissa Fradenburg.Listen to Episode 128: Roth Conversion in a Down Market.Listen to Episode 79: Winning Resumes with Brooke Kent.Links are being provided for information purposes only. The information herein is general and educational in nature and should not be considered legal or tax advice. Tax laws and regulations are complex and subject to change, which can materially impact investment results. Pearl Planning cannot guarantee that the information herein is accurate, complete, or timely. Pearl Planning makes no warranties with regard to such information or results obtained by its use and disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Consult an attorney or tax professional regarding your specific situation. Please note, changes in tax laws or regulations may occur at any time and could substantially impact your situation. Pearl Planning financial advisors do not render advice on tax matters. You should discuss any tax matters with the appropriate professional.

Social Security just announced an 8.7% cost of living adjustment for retirees! The COLA increase will be applied to benefits in January of 2023. That's the largest inflation adjustment since 1981, when it was 11.2%. Peter with Richon Planning explains to Erin Kennedy why this year's Cost of Living Adjustment, or #COLA, is so high and whether this change should affect your claiming strategy. If you'd like to speak with Peter to determine when you should claim Social Security, Richon Planning actually specializes in running very personalized analyses to determine your most "financially optimal" strategy. Please feel free to reach out for a complimentary consultation by calling (919) 300-5886 or by visiting www.RichonPlanning.com #SocialSecurity #Retirement #WealthManagement #SocialSecurity2023

Coming up on today's show. The Cost of Living Adjustment for Social Security has been announced. Good news, it hasn't been this much in 40 years. We'll break it all down for you.

In this Real Estate News Brief for the week ending October 14, 2022... another round of inflation overload, a double whammy for home loans, and the big news from Social Security.Hi, I'm Kathy Fettke and this is Real Estate News for Investors. If you like our podcast, please subscribe and leave us a review. Economic NewsWe begin with economic news from this past week. Federal Reserve officials released the minutes of their last meeting which show they are more worried about inflation than they are about going overboard with rate hikes. They feel that inflation is “unacceptably high” and is not falling as fast as they anticipated. They raised the short-term rate three-quarters of a point at the last meeting to a range of 3 to 3.25%. It was the third super-sized rate hike in a row, and many economists are expecting another three-quarter point rate hike at the next meeting. (1)There were two inflation reports last week that will fan the flames for additional rate hikes. First, it was the producer price index which was up .4% in September. That was double what Wall Street economists had forecasted. The index had been down in July and August because gas prices were lower, but the latest number shows that overall inflation is still raging. The annual rate is down slightly from 8.7% to 8.5%. If you remove gas and food from the equation, the annual rate is 5.6%. (2) The monthly consumer price index was also released with a similar .4% gain in September. Economists had predicted a .3% gain. The yearly rate did slip down a bit – from 8.3% to 8.2%. It had peaked in June with an annual rate of 9.1%. The core rate shows a .6% monthly gain and a yearly “core” rate of 6.6%. As reported by MarketWatch, lower gas prices kept inflation in check toward the end of the summer, but economists don't expect them to go any lower, especially since the OPEC oil cartel is cutting production. Prices were higher for things like rent, medical care, education, furniture, new cars, and auto insurance. They were down for used cars, clothes and communication. (3)Jobless claims are still low, but they did rise for a third week in a row to their highest level since August. The Labor Department reported that initial claims were 9,000 applications higher to a total of about 228,000. Many of those claims were in Florida, however, where people are dealing with the aftermath of Hurricane Ian. Continuing claims were also up slightly to 1.368 million. (4)Consumers appear to be feeling a little more confident about the economy despite the latest inflation reports. The University of Michigan's consumer sentiment survey shows it was up about a point, to a reading of 59.8. but that's only 9.8 points higher than an all-time low of 50 in June. (5)Mortgage RatesMortgage rates continue to move higher. It is breaking through the 7% level for some loan programs, but Freddie Mac says the average 30-year fixed-rate mortgage was 6.92%. The 15-year also moved higher to an average of 6.09%. (6)In other news making headlines...Double Whammy for BorrowersNot only do borrowers have to contend with higher mortgage rates, they are now having a tougher time qualifying for a loan. According to the Mortgage Bankers Association, lenders are tightening their standards which resulted in a 5.4% decline in the Mortgage Credit Availability Index for the month of September. (7) While lenders would like the business, they are more concerned about a weakening economy and the possibility of delinquencies. The MBA's Joel Kan says: “Credit availability fell to the lowest level since March 2013 – the seventh consecutive month of tightening.” He says: “There's a smaller appetite for lower credit scores and high loan-to-value loan programs.”Home Flippers Are Getting FlippedRising mortgage rates are flipping profits to the downside for many home flippers. As reported by The Real Deal, flippers were wildly successful not that long ago. At the beginning of the year, home-flipping made up 10% of all transactions. That's according to Attom Data Solutions. It fell to 8.2% during the second quarter. (8) Data from August shows that profit margins have slipped to 26% from about 31% a year ago. But they also now plummeting a lot more in some areas, like San Jose California. The report says flipping profits hit 45% in March and are now down to 6.5%. It also says that 42% of the homes sold on Opendoor are being sold for less than the iBuyer paid for them.Hard-money lender Noah Brocious told The Real Deal that flippers need to lower their expectations. He says: “Price it to sell. Today is not the time to get greedy.”Social Security Will Be Giving Retirees a HUGE RaiseRetirees will be getting a big raise in their Social Security checks next year. Officials announced that the Cost of Living Adjustment or COLA for 2023 will be a whopping 8.7%. That's even higher than the giant 5.9% that recipients got last year. (9) The increase will apply to about 70 million people who are on Social Security, and boost checks by an average of $140 per month. The cost of Medicare Part B will also get a little bit cheaper. It will be reduced from $170.10 to $164.90.That's it for today. Check the show notes for links. And please remember to hit the subscribe button, and leave a review!I also invite you to join RealWealth at newsforinvestors.com, if you haven't done so already. It's free to join and gives you complete access to all our education materials and market data, along with sample properties, and a list of recommended real estate professionals. Thanks for listening. I'm Kathy Fettke.Links:1 -https://www.marketwatch.com/story/fed-saw-too-much-action-vs-high-inflation-as-less-risky-than-too-little-minutes-show-11665597813?mod=federal-reserve2 -https://www.marketwatch.com/story/wholesale-prices-rise-for-first-time-in-three-months-and-show-inflation-still-raging-11665578458?mod=economic-report3 -https://www.marketwatch.com/story/coming-up-consumer-price-index-for-september-11665662566?mod=economic-report4 -https://www.marketwatch.com/story/jobless-claims-rise-to-highest-level-since-august-11665665081?mod=economic-report5 -https://www.marketwatch.com/story/americans-inflation-expectations-rise-in-october-consumer-mood-stays-somber-11665756467?mod=economic-report6 -https://www.freddiemac.com/pmms7 -https://www.mba.org/news-and-research/newsroom/news/2022/10/11/mortgage-credit-availability-decreased-in-september8 -https://therealdeal.com/national/2022/10/11/mortgage-rates-reverse-home-flippers-fortunes/9 -https://www.cnbc.com/2022/10/13/social-security-cola-will-be-8point7percent-in-2023-highest-increase-in-40-years.html

August 3, 2022 — A Board of Supervisors discussion about cost overruns for the new jail construction project veered into a cry for help from the state, as county leadership admitted that it does not have a clear idea what its financial situation is. “I would like to ask my colleagues for support on direction to the CEO's office to reach out to the state controller's office to help us get our books in order,” Supervisor Ted Williams announced, about a half hour into the meeting. A few minutes after hearing that state review of construction documents is causing months-long delays and that cost estimates for the new jail are now $7-8 million over budget, Williams told his colleagues how frustrated he is by the lack of financial information, even after a budgeting process that started months ago. “I'm three and half years into a term,” he said. “I worry, I'm coming up on the point where I can no longer use the excuse, I'm new here. And yet in the three and a half years, I haven't been able to get a credible financial report. I understand we have three different sets of books. They all differ. Why?” CEO Darcie Antle corroborated the main point. “I would agree with you. I'm not quite sure,” she acknowledged. “I think a lot of the reason we have asked for a pause in the labor negotiations is that we don't know. We don't have a clear vision on what the books are, and where the finances are. And those discussions need to continue with the new auditor-controller.” It doesn't seem like anyone has a clear idea, and that's a problem for rank and file workers and the public as well as the leadership. SEIU Local 1021, the union that represents the bulk of the county's employees, filed a complaint with the Public Employees Relations Board last month, detailing the information they've requested as they negotiate their contract. The union wants a 5% Cost of Living Adjustment, which Field Representative Patrick Hickey estimates would cost the county $3.2 million. The county released some information to the public a few days after the union filed its complaint, but Hickey said that he, too, is frustrated by missing details. He's still looking for specific information about differential pay and temporary and part-time workers that will help the union understand the impact their proposals will have on the county's budget. “That's something we submitted all the way back in November,” he said last week. “So we've been trying to keep track as the county has parsed out little bits of information to us as the negotiations have progressed.” Though it seems no one has the information anyone wants about the budget, the county has had an unprecedented amount of money to work with in the past year and a half. Local agencies are still receiving their allotments from the county's $22 million settlement from PG&E. And the county was awarded almost $17 million from the American Rescue Plan Act, or ARPA. Maria Avalos of UVA, a Latino advocacy group, requested more details about how those funds will be spent, and how the decisions will be made. She noted that over $4 million of the ARPA funds has been allocated for core county services and infrastructure. “So I'm just wondering, where is the breakdown of where that money will go?” she asked during public comment. “Will it be able to be found by the public? And how is the local government making the decision to use the funds? And will there be public input?” Williams counts himself among those agitating for financial transparency. But he told his colleagues yesterday that he doesn't think anyone is able to provide detailed financial information about the county. “We do have an outside audit that happens,” he said. “When was the last time this board, you and I sitting on this board, voted to direct the auditor to incorporate the outside audit recommendations? I don't think I've done it yet. I don't know if past boards have done it. But it means we're paying for an outside audit, we're getting advice about changes we need to make to meet accounting principles. And then we're ignoring the advice. So how much accumulated error is there, and over how many years is it? Ten years, is it thirty years? Is that why we have different sets of books, with different numbers? Because we never incorporate the outside audit findings? I think we have a financial crisis here, and we just don't know how bad it is.” Supervisor John Haschak pointed to a recent shakeup in the county's main financial offices. But Williams thinks the problem goes back much further than the decision to consolidate the offices of auditor-controller and treasurer-tax collector. “It's just really ironic that this board voted to consolidate the two positions when those people in those positions said don't do it, and that consolidation would not help, and now we're in the position where we're asking the state to step in to help out this position that in part we created as a board,” Haschak said. “So I want to respond to that. A part of the reason that I supported the consolidation is that I couldn't get financials,” Williams replied. “And we had an auditor retire, and shortly after, I learned we have a $4.5 million hole in the health plan. Why didn't this board know that we had a $4.5 million hole? We would have planned accordingly. There's an institutional problem here that this county doesn't have a set of books that anybody believes. There's nobody in this county today you could ask, how much money do we have to our name, and get a straight answer. How can I do my job, voting on a budget, if I don't know how much money we have to spend?” Supervisor Glenn McGourty called for structural change. “You want to have people who really know finances, who are properly trained,” he said. “That's why I've supported a professional financial office, which is what most big organizations have, where you appoint people based on their skill set and a proven track record of handling money well. And if we look back through Mendocino County's history at the auditor-controller and tax collector-treasurer, we don't see that pattern. So I still think we're going to need long-term structural change in county government on this. This will not go away until we do.” The board voted unanimously to ask the state for more money for the new jail, and to ask the state controller for help with the county's fiscal issues.

On this midweek show, Crystal chats with Jeff Manson about his campaign for State Representative in the 36th Legislative District - why he decided to run, how the last legislative session went, and where he stands on issues such as COVID response and recovery, housing affordability and zoning, homelessness, guaranteed basic income, public safety, drug decriminalization, and climate change. As always, a full text transcript of the show is available below and at officialhacksandwonks.com. Find the host, Crystal, on Twitter at @finchfrii and find Jeff at @VoteJeffManson.   Resources Campaign Website - Jeff Manson: https://www.votejeffmanson.com/   Transcript   [00:00:00] Crystal Fincher: Welcome to Hacks & Wonks. I'm Crystal Fincher, and I'm a political consultant and your host. On this show, we talk with policy wonks and political hacks to gather insight into local politics and policy in Washington state through the lens of those doing the work with behind-the-scenes perspectives on what's happening, why it's happening, and what you can do about it. Full transcripts and resources referenced in the show are always available at officialhacksandwonks.com and in our episode notes. Well today, I am very excited to welcome to the program, Jeff Manson, who's a candidate for the 36th District State House seat. Welcome, Jeff. [00:00:49] Jeff Manson: It's great to be here, Crystal - thank you. [00:00:51] Crystal Fincher: It's great to be here, it's great to see you. We were in the IDF class of 2010 together. [00:00:59] Jeff Manson: Yes we were - 2010 forever. [00:01:01] Crystal Fincher: 2010 forever. So I'm thrilled to have you on here and to have this conversation, excited to see you again. So starting off, what made you choose to run? [00:01:12] Jeff Manson: Yeah - great question. So, I'm an administrative law judge with the state, I'm a labor leader, and a disability community advocate. As a state administrative law judge, we resolve disputes that people have with state government - so I see every day how underfunded government affects people, including the most vulnerable individuals in our state. So I'm running for State Representative to fund the services and infrastructure that we need and utilizing progressive revenue sources. I've been fighting for progressive values since the fourth grade, when I co-founded my elementary school's Earth Club after reading a book for kids on the environment - it was 50 Simple Things Kids Can Do to Save the Earth and each page described an environmental problem and then what a kid could do about. And I did most of the things and it really taught me not only about environmental issues at a young age, but also that one person can make a difference - if you get off your butt and start doing stuff, you can make incremental differences and possibly take that to scale. So since then I've developed a track record of effecting progressive policy change. I was lucky to go to law school at Seattle University, where I did an emphasis in poverty and inequality law, and I represented people with disabilities as a young attorney. But I saw them struggle with our legal system - there's just a lot of systemic barriers, especially for people with disabilities to accessing justice. So I gathered legal and disability experts and people with disabilities, and we wrote a guide for judges on how to accommodate people in legal proceedings. And then, when I saw the negative effects of corporate and wealthy donations on our democracy, I became a leader with the group that brought the Democracy Voucher program to Seattle City elections. And it took about a decade - we had to change state law first, and then we tried to go to the ballot and decided not to, then we did go to the ballot and we failed, and then we went to the ballot again a couple of years later and were finally successful - and it's been a really successful program. And then in my own profession, our salaries were stagnating, we were having issues in our workplace. But we were not allowed as - even though we're state employees as administrative law judges - we were not allowed to collectively bargain for almost 40 years. So a few years ago I organized my colleagues and we successfully lobbied the Legislature - my own representative who I'm running to replace, Representative Noel Frame, sponsored the bill. And we successfully got collective bargaining rights for administrative law judges. And in the few weeks before COVID shut everything down, we got 85% of our judges to sign union authorization cards. So, and now we're unionized, we've got a contract, we got a salary increase, and last year I was elected as President of WFSE Local 562. So I'm a restless personality - always seeing problems and trying to fix them and pulling people together to fix them - and I can't wait to hopefully be elected so I can work for the people of the 36th doing the same stuff in the legislature. [00:04:33] Crystal Fincher: Yes, and it is exciting to have watched you do all of this over the years and get the opportunity to - see so many more people get the opportunity to see all of the work that you've done and how helpful that has been. You just mentioned COVID. Right now, we're still dealing with COVID, but trying to move forward with COVID - sometimes lurching forward prematurely in how we're dealing with COVID. And so it seems like - to a number of people still - there still needs to be more done to mitigate COVID. I was just - a friend just yesterday came down with COVID. Lots of talk about - hey, we have the tools to address this, we have therapeutics and Paxlovid - and she and others that I've known have had challenges even accessing that with COVID, in addition to testing and some of the financial mitigation things. Should we - should the Legislature be doing more to keep us safe from COVID, and if they should, what should be happening from the legislative point of view? [00:05:44] Jeff Manson: Yeah, it seems like two steps forward, one step back - or sometimes two steps forward, three steps back - depending on the season. It's been a long couple of years - I guess we're on 26 months now. And yeah, this isn't over. I don't know about you or the listeners, but it seems like more people that I know have caught it in the last few weeks than in the couple of years prior to that. And yeah, so it isn't over. Ideally this would be handled at the federal level, and I think the federal government has done some things right and some things not right. And our federal system, I think, makes it more difficult - when we first had the vaccines last year, I waited my turn until my category came up and then I went online to try to find a place, and it was just a mess to just find - it's like, can't you just tell me where to go. I'll drive to Yakima - I'll totally drive to Yakima if that's my assigned place - just tell me where to go instead of giving me 20 websites to click on, all of which say it's full. If the federal government had just taken it over, it may have run more smoothly, but we have this decentralized form of government in this country where the states were in charge and then they would turn it over to the counties. And I think we've seen some of the flaws in that system, especially when there's a crisis. I think federalism creates - we have the laboratories of democracy or whatnot - but in a crisis where you have emergencies declared and you need quick responses and top-down efficiency, that decentralized system doesn't work very well. So I think from the Legislature - what the Legislature can do - is still provide the resources that people need, who are not able to stop quarantining. In my job, we adjudicate unemployment benefits appeals, and that's most of what I'm doing right now - we still have a big backlog. And there's still lots of people who are not comfortable leaving their homes, either because of their own health situation, or that of someone else in their household, or of a parent they care for in another household, or because their child is under five years old. And it's one of the main reasons a lot of people aren't going back to work yet. And why we have a - we talk about supply chain issues, but we have a labor supply issue in almost every industry right now. And people aren't able to go back to work 'cause they don't feel safe doing it. So for those who can't, I think we need to continue some of the safety net programs that we had for a year, year and a half, but many of which have expired. And then beyond that, I think a lot of it is communication - there are free tests that - I bought a test at a grocery store, it was 20 bucks when it's like - oh, wait a minute, I could have ordered one of these if only I had known to go to this website and then do this and then do that. I think our state and our county health departments could help with that communication - that does require funding though, and the state provides a lot of that funding. [00:08:56] Crystal Fincher: All right. Well, you talk about what the Legislature has done here in our state. We just got done recently with a session where there are some things that happened that were great and other things that were pretty disappointing. What was your evaluation of this past session? What would you have done differently than our Legislature did? [00:09:19] Jeff Manson: Yeah, there were, like any session, there were highs and lows. Some of the high - we got a transportation package which was good. It wasn't a perfect transportation package, but it does fund a lot of really good things, including transit, bike, and pedestrian infrastructure. We got - for education, it's still just a - we haven't fully funded education in my mind yet, but we did take a step in the right direction. Teachers got a COLA [Cost-of-Living Adjustment], we got more funding for school counselors and nurses and social workers. But there were also some disappointments - there were some environmental bills that didn't pass. We had electric vehicle subsidies that didn't pass and there were some other environmental bills that we'll need to take up next year. And I think we have a housing crisis in the state - but in particular in Seattle, it's a regional housing market, but we see it acutely here in Seattle. And I think leaving housing decisions to the cities hasn't worked and there is a place for the state to step in. And I know Jessica Bateman, Representative Bateman, had a bill. There were a few different versions of it before it died, but I think we need to - I support the concept of the state directing changes in zoning and we should - that should be a priority next session. [00:10:49] Crystal Fincher: Should we be increasing zoning density in single-family neighborhoods? [00:10:53] Jeff Manson: I think in some of them - the devil will be in the details, but I think - we're at tens of thousands of housing units behind where we need to be. People are moving here and staying here faster than we're building housing units. And the result has been increased housing prices. We're seeing housing prices increase across the country the last year or so, but Seattle has been seeing this much longer than just the last year. And the result is that people are being priced out of the City or onto our streets. And so we need to - we need more housing stock. We need it - and of every type - we need more large apartment buildings in transit corridors, we need more duplexes and fourplexes. And the City of Seattle has taken some steps in recent years to add density, which I've supported - more ADUs [Accessory Dwelling Units], some up-zoning in urban villages. But a lot of cities elsewhere in the region haven't done the same, so I think state action is needed to prod that along. And ADUs and DADUs [Detached Accessory Dwelling Units] - I think that's great and for those who are able to afford to build one or renovate for one - it's wonderful. But the first year after that change, we saw an increase of about 300 ADU and DADU permits than the previous year. And 300 housing units - that's one large apartment complex, it's just a drop in the bucket. It's great, but we need to attack this from all angles, but it's just a drop in the bucket compared to the tens of thousands of units that we need over the next several years. [00:12:39] Crystal Fincher: Do you support the social housing initiative that is currently gathering signatures in the City of Seattle. And do you think that's an approach that could be taken statewide? [00:12:49] Jeff Manson: I'm very intrigued by it - I've not read the actual initiative, but I understand from what I've read, that it's a model that's been used in Europe, especially in Vienna. So I'm very intrigued by the idea and excited about the idea. I think we need to try as many things as we can and see what works. I need to see how it pencils out and what it looks like before I make a decision about whether I'll support it at the ballot or not, but I really like that we're having the conversation. And if it does look like it's a model that could work, then I think it should be expanded to the rest of the state. I do - we were talking about the market rate housing and supply and demand, which is a big part of housing affordability. But I really think that there is a significant - government should also be responsible for subsidizing and directly building housing units. We need both the free market and the commons to take responsibility for housing people - and whether that's traditional public housing, or Section 8, or subsidies - the government needs to be stepping up to the plate. And the state provides a lot of the funding for those - cities and counties make a lot of the micro-level decisions, but the state provides funding for the Housing Trust Fund. This last session, we put money in for about 2000 units of supportive housing, which is great - it may not be enough, but it's great. But we really need government being part of this market. There's the free market, but it should be - we should have a safety net of housing, just like we have a safety net of food assistance for low-income people and disability benefits for people. We need a housing benefit, so to speak, and government role in that space. [00:14:42] Crystal Fincher: And part of our housing problem, housing affordability problem, is one of the root causes of homelessness. And we are experiencing a crisis of homelessness. What are you proposing, that you can do as a legislator, to help make a tangible difference? [00:15:05] Jeff Manson: Yeah, and it really comes back to funding. There can be - there's some at the edges, we can tweak policies to help with homelessness, but really it's a funding issue. We need more funding for more housing options, and that's really at every level - that's emergency shelter, it's tiny homes, it's supportive housing as I mentioned, and it's other public housing that I mentioned. But we have an acute crisis right now, and we need to get people off of the streets and into some sort of shelter that is safer for them and safer for all of us. And then longer term, increasing our housing stock will reduce the root cause, which is evictions - a lot of people are homeless. They were not born homeless - most of them. They, at some point, lost their housing or lost their support system. So yeah, it's really about funding and our state government has been, I believe, chronically underfunded for decades. And really that gets back to our tax structure. We have the worst tax structure in the country, where the lowest-income people pay the most and the wealthiest pay the least, and it's completely upside down. So we need more progressive revenue sources to fund things like housing and everything else that we feel like we need as a society. [00:16:30] Crystal Fincher: There are currently about 30 cities across the country piloting some form of a guaranteed basic income program - a set amount of money each month targeted to low-income households just to help take care of basic needs. And with it showing results in everything from health outcomes, to educational outcomes, to public safety outcomes. Do you support a guaranteed basic income? [00:16:58] Jeff Manson: I love the idea and I think we should continue experimenting with it. And actually, I am in the public benefits arena where everything - a lot of things are means-tested - unemployment benefits aren't, it's an insurance program. But in my office, we adjudicate food assistance, TANF [Temporary Assistance for Needy Families], state disability benefits, Medicaid - and these are all means-tested programs. And maybe I'm going to get myself in trouble with my union because I'm going to propose putting us out of work. But what we do is try to figure out whether people qualify for these programs. Somebody will be getting - say, $182 per month in food assistance. And then they get a letter that reduces it from $182 to $165, so it's gone down $17 a month. They request a hearing, they come to the hearing. And so now we have this whole hearing about whether they should have their benefits reduced by $17, and then I issue a decision and then it's implemented. And this is all after the person shows up in a building, they fill out paperwork, they go to their doctor or they go to their landlord to get supporting documentation, a financial worker and sometimes a social worker with DSHS looks it up - so we've got all of this expense for the bureaucracy of determining how much this person should - just give everybody $200 per month of food assistance. Jeff Bezos, Bill Gates, you, me, everybody - and is $200 the right amount? I don't know, but I think the concept of UBI [Universal Basic Income] has helped sort of change the conversation about this. There is so much bureaucracy around a lot of these means-tested programs, where if you just gave it to people, we know that almost everybody spends it in the way that we think people should spend it, which is on their basic needs. I think we saw this with the refundable childcare tax credit at the federal level - I don't think we would have had that conversation if it wasn't for Andrew Yang and him talking about UBI in the previous presidential election - even Mitt Romney was on board with a refundable child tax credit for everybody, which gives it to people who have children, who are the ones who need it. And it was too bad that it hasn't been extended, but I think all the studies have shown that it's been better than just about anything to reduce child poverty in this country. So wherever - actually having UBI like Andrew Yang was talking about is incredibly expensive, and so I wouldn't want to flip the switch and necessarily devote resources to giving everybody thousands of dollars per month right now. But I do think the concept is a good one for changing our approach to a lot of these public benefits. It is also demeaning as hell to go through the process of getting public benefits. You jump through all these hoops just to prove that you're poor enough, or disabled enough, or fleeing domestic violence enough - to get the paperwork necessary to prove that you're fleeing a domestic violence situation is awful. It's retraumatizing just to get what you need to survive on the street, because we don't have public benefits that really house everybody. Most of the benefits and most of the people I see in hearings in King County are unhoused people trying to get benefits - just to eat, much less get a job or whatnot. [00:20:26] Crystal Fincher: Yeah, that is the current situation and it is a shame, and we can do better. Another area where we can and have to do better is in keeping people safe. It's a concern that a lot of people have - people are looking at crime - wondering if they're going to be victimized and wondering if we're doing the right things about it. What can you do in your capacity as a state legislator to make people safer? [00:20:55] Jeff Manson: Yeah, no, it's a real issue, and it's something I feel - I live in Greenwood, I ride the E line downtown and it's an adventure every time. I've had stuff stolen and I've been doorbelling for about a month now, and it's what I hear more than just about anything. I think it's - as Democrats nationally - we're out of practice talking about crime. You know what I mean? Crime has been much lower - even now - over the last 20 years, 30 years than it was in say the 70s and the 80s. And now that it's ticking back up, and not just ticking back up, but accelerating back up here and nationwide, I think we're trying to figure out how to talk about it again. But it is going up and one of the basic public duties is to protect citizens. And I think it goes back to underfunded government, both on the services side and the criminal justice system side. On services, I think if you give people housing and you provide mental health supports, addiction supports, and provide access to community and to both government and individual support, then that's the root cause of a lot of crime. And we have not been - part of what we're seeing now is the results of under-investment in our government supports over the last several decades. So I think first and foremost, we need to get people housed and give them the support they need for their own individual recovery. I do believe housing needs to come first because anyone who's trying to take a step towards recovery, whether it's mental health or addiction, is just not gonna be able to take that first step if they are in fight-or-flight mode, 24/7 on the streets, and more vulnerable to the kind of crime we're talking about than the rest of us are. But once they are housed, then there's at least the opportunity to be able to get them services that they need. I also think we need more funding on the criminal justice side. Our courts have a two-year backlog in criminal trials, we don't have enough prosecutors or defenders or investigators or paralegals or social workers or mental health therapists. And we also have a police force, law enforcement that at least in Seattle has seen a lot of people leave. And I have mixed feelings about law enforcement, especially the last couple of years - after the murder of George Floyd, there was a big movement to increase accountability and oversight of police, which I 100% supported. We can not have law enforcement killing Black and Brown people and not having any consequences. So I supported the reforms from two sessions ago and was opposed to many of the attempts to roll those back this past session. But, while we do need accountability, while we need training, and while we need independent oversight, we still do need law enforcement - often they're responding to things that others could respond to. Maybe we don't need law enforcement to respond to every mental health crisis, but we do still need police officers and Seattle Police Department is down about 25% of their officers. They have homicide detectives who are now responding to 911 calls. So I do think our whole criminal justice system, including alternatives to incarceration and mental health supports, all need funding. And as a public servant myself, I see underfunded government in my line of work, and I think we should fully fund my public service, just like we need to fund the public servants who teach in our schools, and public servants who try our cases, and the public servants - the police, firefighters, first responders, who are the frontlines of our criminal justice system. [00:25:06] Crystal Fincher: Well, and you bring up an interesting point there in - looking at police and having them to respond to certain things, also looking at alternative responses or things that get more to treating the root cause. When, just as a general approach to crime, do you think - right now the majority of our resources are going into responses to crime pretty much after they've happened and trying to figure out are those right resources there, whether it's police or in the criminal legal system, to have it there. And we have severely underfunded alternative responses that get more to the root causes. So should we be shifting that priority in how we allocate our resources towards prevention and keeping people from being victimized in the first place? [00:25:58] Jeff Manson: Yes, but I think we can do both, and. I think it's all of the above. And I think after - a couple of years ago there was the slogan, Defund the Police. And I think it - I never thought that was the best slogan at the time or now, but I think the intent behind that for a lot of people who said that was - we should be funding alternatives to police response, and alternatives to incarceration, alternatives to solely punitive response - which I am 100% in support of. I don't think, and as someone who thinks government's underfunded and as a progressive Democrat, I don't think it's a zero-sum game. I don't think in order to fund something, you have to take away from another government service. I think law enforcement - just like firefighting, just like roads and electricity - are just a basic government resource that should be funded at a basic level. But in terms of where we should be directing new resources - should be towards those alternatives and getting at the root cause of a lot of crime. We have an acute crisis right now in that people call 911, or call the police, and they literally don't get a response. That's an immediate right now, this year, this month issue. While, on the other hand, the reason we're having an uptick in crime is that over the last couple of decades, we haven't invested in all this stuff to prevent the crime. So you need both - you need to attack the acute problem right now, but you also need to lay the groundwork and start investing in the social infrastructure to prevent crime in the future. And also when we talk about alternatives to incarceration, Drug Court is amazing - anecdotes say this, but studies show as well that those who successfully do Drug Court, it is a life-changing experience. But you don't get into Drug Court unless a police officer arrests you first. So I don't want to suggest that we start arresting people in order to get them into treatment that they need. But often it is the mechanism that gets them into where they need to go. I mean, Drug Court is hard - people talk about it - when I say people, people who may come at this from a different perspective than me - it's like, oh, that's the easy way out. It's just handing them services instead of actually being tough on crime or whatnot, but Drug Court's hard - you have to make regular court appearances, you have mandatory treatment, regular drug tests, and if you slip up you're back to jail. But those who graduate, who actually get all the way through, actually stay clean and get housed and become productive members of society. And we need to expand that opportunity - and things like LEAD, Law Enforcement Assisted Diversion, is another great program that - we hear the stories of how it's successful, but also the studies show that it actually has good outcomes and the amount of money invested is less than jailing somebody. But it is law enforcement that is assisting that diversion - it's that interaction with law enforcement that is allowing that to happen. So - [00:29:22] Crystal Fincher: Well and that brings up an interesting question. So in your perspective, should addiction, or even possession, be criminalized? Is that the best approach, or should we be treating it like a public health problem? [00:29:33] Jeff Manson: No, it's absolutely a public health problem. Yeah, it's - if you're pulled over and you've got half a ton of meth in your truck or something that's different, but yeah - simple possession, just being an addict - that is, these are people who are sick and they need treatment, just like someone who has COVID or cancer. It is a public health problem, and I very much believe in a harm reduction approach to addiction. But I do think that a lot of the property crime that we're seeing and other kinds of low-level criminal activity is the result of addiction. It doesn't mean that all addicts commit crimes - not all homeless people commit crimes, it's a unfair stereotype - but a lot of the criminal activity that we're seeing - packages stolen from porches, windows being broken in small businesses - a lot of that is people trying to feed their addiction and that's not an excuse for the behavior, but it is an explanation of the root cause of a lot of what we're seeing. [00:30:47] Crystal Fincher: And seemingly a roadmap to how to reduce the occurrences of crime committed as a result of addiction or dependency - that if we solve the root, then we also solve for the crime in many of those instances. I'm also wondering - we need to make such dramatic progress in terms of our approach to climate change, in reducing greenhouse gas emissions, in mitigating the impacts that we're already feeling and that those who are most marginalized are feeling most acutely. And just starting off, our transportation sector is the biggest emitter of greenhouse gas emissions, so it seems like any solution needs to start there and it needs to be substantive. What would you propose, especially that impacts transportation-related emissions, to reduce those and help meet our climate goals? [00:31:54] Jeff Manson: Yeah, you know what? I was in fourth grade and I read the environment book, I remember explaining climate change to my parents and it was news to them - this was 1990, so it was news to them. I remember telling them - look, this is my future, mom and dad. And now I'm realizing now it's our present, right? And it's going to get worse, even if we do all the things right, it's going to get worse. But we've got the smoke from forest fires in our summer days, our few summer days here in Seattle, we can see the glaciers get smaller and smaller on the mountains every year. I have a family member who was essentially a climate refugee, who was living in a more tropical area and two Category 5 hurricanes left her without housing. She fortunately had the supports necessary to relocate, but this is scary. Fortunately, Washington State has been arguably the leader among the states in tackling climate change. Unfortunately, that's nowhere near close enough, but we should continue to push that envelope and be on the forefront as a state, not just for our own sake and doing our own part, but also to be a model for other states and other countries - look, here's what you can do. And not only is it not devastating to your economy to make these transitions, but it actually can make an economy more resilient if you do it the right way. So in terms of the things we need to do, we had a transportation package this last session. I don't think we need to wait another 10 years for the next transportation package, which has sort of been the model - it's 6 to 10 years between transportation packages. There was no gas tax increase on this last one. Some of it was federal money that was passing through, so I think there's an opportunity - maybe not this next session, but within the next couple - to do another transportation package which should be very heavily focused on climate-friendly infrastructure - transit and other alternative modes of transportation. We have the Link Light Rail coming through the middle of the 36th a decade from now, right through Interbay and into Ballard. And we need to make sure that - first of all, that happens, but also that it happens in a way that we have a light rail system that people are actually going to ride. And I think that means having light rail underground under the Ship Canal. We just saw that the Coast Guard is saying that any bridge would need to be - I think it's 205 feet above - and I saw the drawing - [00:34:36] Crystal Fincher: Gotta accommodate those mega-yachts. [00:34:38] Jeff Manson: You gotta accommodate the mega-yachts. [00:34:40] Crystal Fincher: That's a big priority. [00:34:41] Jeff Manson: And maybe - I don't know if there are other vessels that would also require it or not, but there's an easy solution here, guys - go under the Ship Canal. It's not that deep, and actually it turns out that a tunnel is not that much more expensive than going above ground than we thought it would be. It's not that tunneling got cheaper it's that we're realizing the cost of going above ground is even more expensive than it used to be. And now with the bridge height needing to be that high, it's probably even more expensive. So, if the state needs to provide additional funding in order to make that happen, then let's do it. If we can find funding from some other third party source, that'd be great. But I think this is going to be - this is a hundred year decision, right? Like wherever this line goes and wherever these stops go, those stops will still be there a hundred years from now. We have to get this right now and we can't just say - oh, interest rates went up by 0.5%, therefore we need to remove a stop or we need to do it this way or that way. By going underground, it also allows the light rail to go west of 15th Avenue - right now, the proposals are along 14th, but that's not where people want to go. The historical downtown Ballard, which will still be the historical downtown Ballard a hundred years from now, is about six blocks west of where they're wanting to send it. If you go underground, then you're not having to destroy all those buildings and we need to provide the funding for that. Whether that's a transportation package or some other source, I don't know, but - [00:36:18] Crystal Fincher: If you do get the opportunity to vote on a new transportation package, or help shape it - will you vote or support a package that includes highway expansion? [00:36:29] Jeff Manson: Not if that's the overwhelming priority of the money - what the priority needs to be - green infrastructure and transit. And representing the 36th - my duty would be to do the best that I can for the 36th District. And we already have two highways - we don't need anymore. Now would I absolutely never vote for something that expanded a highway? Sometimes you have to make compromises - there are also - I would be open to an argument about a freight corridor or something. Maybe there's a one particular spot where there needs to be an expansion. But overall, my philosophy is - the place that we are the farthest behind from where we should be is in terms of our transit system. We are 40 to 50 years behind where we should be on transit. [00:37:19] Crystal Fincher: What more can we do to help meet our goals? We've taken actions, but we're still behind our goals. We need to catch up and accelerate. Is there anything else we can do outside of our transportation system? Action that you could take to help make that change? [00:37:39] Jeff Manson: Yeah, there's a lot we can do. And our own goals are reduced carbon emissions by about half by 2030 - we're almost to 2030. It sounds weird to say that, but we're talking about - I would be in a legislative session in 2023. Those policy - the laws would take effect summer of 2023 and the actual effects of those policies won't even start until 2024, and then we're only basically five years away from 2030. So we have to do whatever we're going to do now. There are some things that did not pass this last session, which is where we can easily just start off - electric vehicle subsidies didn't pass - we should do that in order to encourage the electrification of our vehicle fleet and people's cars. There was a bill to require climate impacts to be part of comprehensive plans and the Growth Management Act that didn't pass - something we should look at. Other opportunities to move towards more electrification of homes - some of those bills didn't pass. So it was just a lot of opportunities to invest in our electric grid. We already have one of the less carbon-emitting electric grids since we have so much hydroelectric power in this state, but if we're going to electrify homes and vehicles, we are going to need more electrical capacity than we have historically. So that means we're going to have to expand our electric grid, and we really have an opportunity to model for the nation and the world on how you can build an electric grid that is totally carbon neutral. We can build more wind farms, more solar power, and the transmission lines to get it to population centers. We need to move - we need cleaning up the electric grid and moving things towards electricity that are not currently electricity. That's about 90%, probably, of our carbon goals - transportation being electric and investing in transit, and then electrifying pretty much every building, vehicle, or tool that we have is really the key to solving climate change. [00:40:10] Crystal Fincher: Well, and as we conclude our time today and are wrapping up, what is it that you think sets you apart from the crowded field of candidates that you are competing against in the 36th and how will voters' lives feel different as a result of you being their elected representative? [00:40:31] Jeff Manson: Well, I think I bring two things to the race primarily. One is - I have been doing, doing, doing to solve problems like this since I was a kid. I am not comfortable sitting still when I see a problem - I want to fix it. And I know that sometimes it takes a decade or more, it often takes working with a lot of other people. And I've been following that model for 30 years now, since I was 10 or 11 years old. And that's - I think that's the model of action that we want in a legislator - someone who sees a problem, is motivated and works their butt off to try to solve it, and is able to bring people together to do that. And I think I have a track record of doing that with progressive causes over the years. And I think the other is just an expertise in state government. I literally see how state laws and state budgets affect thousands of people every year and know at a granular level, how a turn of phrase in a statute can affect the outcome in an individual's case, or how a reduction in the state disability benefit by 20% results in changes in people's lives. And I think that perspective and being able to bring those stories of the people in my hearings into the Legislature and being able to speak to it from the perspective that I've been in, in my day job, could make a real difference. And besides that, I just love the 36th District. I've been there - I've been in this district for 15 years, it's a beautiful place, wonderful people - for those who could still afford to live in it. And would just really be honored to represent the 36th District in the Legislature and would just be such a joy to solve problems for people in the district. [00:42:28] Crystal Fincher: Well, thank you so much for joining us here today. [00:42:31] Jeff Manson: Thank you, Crystal. [00:42:32] Crystal Fincher: I thank you all for listening to Hacks & Wonks on KVRU 105.7 FM. The producer of Hacks & Wonks Lisl Stadler with assistance from Shannon Cheng. You can find me on Twitter @finchfrii, spelled F-I-N-C-H-F-R-I-I. Now you can follow Hacks & Wonks on iTunes, Spotify, or wherever else you get your podcasts - just type "Hacks & Wonks" into the search bar. Be sure to subscribe to get our Friday almost-live shows and our midweek show delivered to your podcast feed. If you like us, leave a review wherever you listen to Hacks & Wonks. You can also get a full transcript of this episode and links to the resources referenced in the show at officialhacksandwonks.com and in the episode notes. Thanks for tuning in - we'll talk to you next time.

Robert E. Wright says American employers need to implement a Cost-of-Living Adjustment. Employees are leaving in droves. They seek higher paying jobs that employers are giving to new employees. Those who are staying are underperforming. Americans know their real wages are declining.

During this episode, we're going to break down the recent news that Social Security's Cost of Living Adjustment will go up by 5.9 percent in January 2022. We'll also look at some Social Security and retirement strategies.