Podcasts about Lump

Allison Sweet Grant joins Zibby Owens to talk about her new poetic memoir Lump, an unconventional, moving collection of essays and verse about her experience with breast cancer. Allison discusses how the book started out as a journal to process the difficult moments of her cancer journey, being diagnosed at the beginning of Covid at forty years old, what kept her from going to the doctor right away, and the psychological weight of this horrible disease. She also shares her initial attraction to poetry in elementary school, how intimidating it is to publish a book while married to a bestselling author, the barometer cancer becomes for daily life challenges, and sharing the book with her daughters.Follow Allison on Instagram @allisonsweetgrant. Hosted on Acast. See acast.com/privacy for more information.

Two of the most respected cancer institutions in the country ran the same tests on the same tissue from the same patient and reached opposite conclusions. In this deeply personal episode of Let’s Talk Wellness Now, Dr. Deb shares a real-time update on her family member Kamren’s cancer case and the advocacy lesson inside it that every patient and family needs to hear. Shared with Kam’s full permission as his case continues to unfold, this is a follow-up to his story. A second-opinion pathology review came back and shifted the picture in a meaningful way, reopening the question of where his cancer actually started, and underscoring why a single institution should never be the only set of eyes on a complex diagnosis. Dr. Deb walks through what changed, why second opinions are a clinical necessity rather than a betrayal of your doctor, and why a finding that goes unexamined for years can turn out to be the most important detail in the room. This is a difficult, honest episode, and it carries a lesson that could protect other families navigating a confusing diagnosis. In this episode, you will learn: Why two elite institutions can reach opposite conclusions, and why that is a reason to keep asking questions Why a second, independent pathology review matters in any complex or rare diagnosis Why “normal” on a test only means normal for exactly what was tested, and nothing more Why population-level data is not the same as your own individual biology The questions every patient and family should be ready to ask their care team Highlighted quotes:“If you do not have someone in your corner asking the right questions, the system will not ask them for you.”“A normal test is only normal for what it was tested for.” Timestamps:[00:16] Looking in the wrong place: the finding that went unexamined for years[04:18] Catching up on Kam’s case: the foundation for today’s update[07:00] When the ground shifted: a second opinion changes the picture[09:10] Why find the source: getting the diagnosis right before the treatment[31:20] Speaking directly to you: the questions every patient should ask[37:03] Why this case matters to all of us: advocacy as a necessity, not a luxury Donate – Any amount makes a differencehttps://www.freefunder.com/campaign/rare-male-breast-cancer Connect with us:Website: https://www.letstalkwellness.comInstagram: https://www.instagram.com/letstalk_wellnessnow/Facebook: https://www.facebook.com/LetsTalkWellnessNowPodcastLinkedIn: https://www.linkedin.com/company/lets-talk-wellness-now/ Subscribe to Let’s Talk Wellness Now so you never miss an episode, and if this one opened your eyes, share it with someone who needs to hear it.The post Episode 283: The Lump Nobody Looked At — A Real-Time Update on Kam's Cancer Case first appeared on Let's Talk Wellness Now.

"YEAST WILL LEAVEN YOUR LUMP" - WHOEVER LOVES LIES WIL BE DESTROYED BY THEM- THE BEAUTIFUL MEN PT 14 by The Master's Voice Prophecy Blog

"I found a lump...down there!" Is this you?? Let Dr Oakley walk you through the most common causes of lumps and cysts in the lady bits. While it is NOT likely to be cancer, is IS LIKELY to be annoying!

Paraziti jsou podle něj nádherné organismy, ve svém těle dobrovolně hostil tasemnici. V čem se skrývá nedoceněná krása světa parazitů? „Mohou nám stimulovat imunitní odpověď, snaha přežít v hostiteli je nutí k neobvyklým řešením,“ prozrazuje oceňovaný český vědec Julius Lukeš, vedoucí laboratoře molekulární biologie prvoků v parazitologickém ústavu Biologického centra Akademie věd.Všechny díly podcastu Hovory můžete pohodlně poslouchat v mobilní aplikaci mujRozhlas pro Android a iOS nebo na webu mujRozhlas.cz.

An itch, a small lump, and a thirty four year old mom who refused to ignore what her hand felt. Amber Gonzalez shares how a pea sized lump led to a triple negative breast cancer diagnosis, aggressive chemo, surgery, and hard decisions about what to tell her children. From cold caps and hats to long days at Texas Oncology with her mother at her side, Amber shows what early action, self exams, and strong support can mean for young women facing breast cancer. Support The Rose HERE. Subscribe to Let’s Talk About Your Breasts on Apple Podcasts, Spotify, iHeart, and wherever you get your podcasts. Key Questions Answered 1. How did Amber first notice her breast lump and decide to call her doctor?2. What steps led from a well woman visit to mammogram, ultrasound, biopsy, and diagnosis?3. What does triple negative breast cancer, stage two, grade three, mean in practical terms for treatment planning?4. How did Amber’s treatment at Texas Oncology unfold, including Taxol, Carbo, and Red Devil chemo?5. What role did the cold cap and hats play in helping her maintain a more normal appearance for her children?6. How did she balance extreme fatigue, long chemo days, and parenting responsibilities?7. What did Amber choose to share and not share with her younger children about her diagnosis?8. How did her mother support her practically and emotionally through treatment?9. Why does Amber emphasize monthly self exams and being in tune with any changes in your breasts?10. How can friends and caregivers show up for someone in breast cancer treatment, according to Amber’s experience?See omnystudio.com/listener for privacy information.

If you or a loved one has suffered from severe illness, you know that recovery isn't always as joyful as it sounds. In this episode, Adam's wife Allison Sweet Grant is back to talk about her new memoir “Lump,” a collection of poetry and prose about her experience with breast cancer. Allison and Adam reflect on their experience as a family dealing with a difficult diagnosis in the middle of the COVID pandemic, and Allison shares her complicated relationship with being called a “survivor.” They discuss how many patients downplay their pain to appease their providers, explain why many patients feel more relief than joy during recovery, and address how we can provide better support to our loved ones. They also talk about Allison's synesthesia, revisit their beloved driving debate (is the lead or following car responsible for staying together on a multi-car trip?) and open several new ones (is Seinfeld better than Friends, and is true crime scarier than fiction?).Featured guestFollow Allison Sweet Grant on Instagram, LinkedIn, and https://www.allisonsweetgrant.com/Buy Allison's books!Connect with the teamFollow Adam on Instagram, LinkedIn, and at adamgrant.net/Subscribe to Adam's Substack GrantedWatch ReThinking videos on YouTube at TEDPodsFollow TED on X, Instagram, Facebook, LinkedIn, and TikTokReThinking is produced by Cosmic Standard. Our Senior Producer is Jessica Glazer, our Engineer is Aja Simpson, our Technical Director is Jacob Winik, and our Executive Producer is Eliza Smith.For the full text transcript, visit ted.com/podcasts/rethinking-with-adam-grant-transcripts Hosted on Acast. See acast.com/privacy for more information.

The US market is exciting, but it can also be dangerous for young investors. The US market has been on a tear, but it is also littered with pitfalls for unsuspecting new investors. Should we stock pick or just buy the S&P 500? And what about new IPOs like Space X? In this episode, ST business correspondent Sue-Ann Tan looks at how to explore the US market without getting burnt. Her guests are Sheryl Choong, Head of Client Advisory Singapore at Endowus and Afdhal Rahman, OCBC executive director of wealth advisory. Highlights (click/tap above): 3:12 Should I just invest in the S&P 500? 7:13 What percentage of my portfolio should be in the US? 10:30 S&P 500 vs Nasdaq vs Dow Jones 12:00 How to start investing in the US 15:45 Getting into popular new US IPOs 18:30 Lump sum investing vs regular investing 23:20 Dealing with exchange rates Read Sue-Ann Tan's articles: https://str.sg/mvSa Follow Sue-Ann Tan on LinkedIn: https://str.sg/A86X Hosts: Sue-Ann Tan (suetan@sph.com.sg) Produced & edited by: Amirul Karim and Natasha Liew Executive producer: Elizabeth Law Follow Headstart On Record Podcast channel here: Channel: https://str.sg/wB2m Apple Podcasts: https://str.sg/wuN3 Spotify: https://str.sg/wBr9 Feedback to: podcast@sph.com.sg Get business/career tips in ST's Headstart newsletter: https://str.sg/headstart-nl --- Follow more ST podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 Get more updates: http://str.sg/stpodcasts Watch Headstart On Record Podcast on YouTube: https://str.sg/3psqrx --- Get The Straits Times app, which has a dedicated podcast player section: The App Store: https://str.sg/icyB Google Play: https://str.sg/icyX --- Do note: All analyses, opinions, recommendations and other information in this podcast are for your general information only. You should not rely on them in making any decision. Please consult a fully qualified financial adviser or professional expert for independent advice and verification. To the fullest extent permitted by law, SPH Media shall not be liable for any loss arising from the use of or reliance on any analyses, opinions, recommendations and other information in this podcast. SPH Media accepts no responsibility or liability whatsoever that may result or arise from the products, services or information of any third parties. --- #headstartSee omnystudio.com/listener for privacy information.

The US market is exciting, but it can also be dangerous for young investors. The US market has been on a tear, but it is also littered with pitfalls for unsuspecting new investors. Should we stock pick or just buy the S&P 500? And what about new IPOs like Space X? In this episode, ST business correspondent Sue-Ann Tan looks at how to explore the US market without getting burnt. Her guests are Sheryl Choong, Head of Client Advisory Singapore at Endowus and Afdhal Rahman, OCBC executive director of wealth advisory. Highlights (click/tap above): 3:12 Should I just invest in the S&P 500? 7:13 What percentage of my portfolio should be in the US? 10:30 S&P 500 vs Nasdaq vs Dow Jones 12:00 How to start investing in the US 15:45 Getting into popular new US IPOs 18:30 Lump sum investing vs regular investing 23:20 Dealing with exchange rates Read Sue-Ann Tan's articles: https://str.sg/mvSa Follow Sue-Ann Tan on LinkedIn: https://str.sg/A86X Hosts: Sue-Ann Tan (suetan@sph.com.sg) Produced & edited by: Amirul Karim and Natasha Liew Executive producer: Elizabeth Law Follow Headstart On Record Podcast channel here: Channel: https://str.sg/wB2m Apple Podcasts: https://str.sg/wuN3 Spotify: https://str.sg/wBr9 Feedback to: podcast@sph.com.sg Get business/career tips in ST's Headstart newsletter: https://str.sg/headstart-nl --- Follow more ST podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 Get more updates: http://str.sg/stpodcasts Watch Headstart On Record Podcast on YouTube: https://str.sg/3psqrx --- Get The Straits Times app, which has a dedicated podcast player section: The App Store: https://str.sg/icyB Google Play: https://str.sg/icyX --- Do note: All analyses, opinions, recommendations and other information in this podcast are for your general information only. You should not rely on them in making any decision. Please consult a fully qualified financial adviser or professional expert for independent advice and verification. To the fullest extent permitted by law, SPH Media shall not be liable for any loss arising from the use of or reliance on any analyses, opinions, recommendations and other information in this podcast. SPH Media accepts no responsibility or liability whatsoever that may result or arise from the products, services or information of any third parties. --- #headstartSee omnystudio.com/listener for privacy information.

In this episode of For The Dads with Former NFL Linebacker Will Compton, Will defends the use of childcare on vacation, Sherm cracks a cold Olipop to Baylor Football and Chef doubles down on his burrito promise — all while keeping the episode fun, fresh and of course, under an hour. The episode kicks off with Chef defending his burrito honor and promising to make it right before getting into topics like; A Dad Hack to never miss trash day again Trying a limited addition Olipop flavor Scottie and ScarScar take some LUMPS Other highlights include: A hilarious call in about Potty Training Dealing with teething children

When I called Mya Ludwig a few weeks ago, I expected a hard conversation. She had been diagnosed with breast cancer, undergone a double mastectomy, and was halfway through chemotherapy. Instead, I hung up feeling like Mya had somehow helped me.So I knew I needed to bring her back to the podcast.Mya opens up about the moment she discovered the lump, what treatment has really been like, and how losing her hair challenged the way she saw herself. But what impacted me most was her perspective. She refuses to let cancer become her identity or allow fear about tomorrow to steal the life she still gets to live today.We talk about learning to put yourself first, finding joy in incredibly difficult seasons, and how a traumatic brain injury years earlier taught Mya lessons she never imagined she'd need again.And making this conversation even more special, Mya's brother Adam joins us again, bringing the same joy and personality we loved the first time.In this episode:The moment Mya discovered something was wrongWhy she refuses to live in the "what ifs"What losing her hair taught her about identityHow to support someone without making them feel helplessFinding one small reason to keep going on the hardest daysThis conversation reminded me that we don't always get to choose what happens to us. But we do get to choose how we show up through it.Key Moments:00:00 The Lump Maya Knew Was Cancer03:18 The Attitude Toward Cancer That Changed My Life07:44 Why Cancer Forced Maya to Finally Put Herself First11:02 Why Maya Refuses to Feel Sorry for Herself14:44 Refusing to Let Cancer Take Over Her Life18:02 What Someone With Cancer Actually Needs From You21:04 Losing Her Hair Changed How Maya Saw Herself25:40 The One Thing Maya Does on Her Darkest Days29:26 Maya's Brother Adam Returns to the Podcast31:20 How Adam Reacted to Maya's Cancer Diagnosis34:01 The Joy Adam Brings Everywhere He Goes38:19 Adam's Unfiltered Take on the Raiders41:29 Adam's Message to Anyone Going Through a Hard TimeConnect with Me:Instagram: https://www.instagram.com/tyler.hall/Connect with Mya:IG: @minimamamya (https://www.instagram.com/minimamamya/)

Today on the radio show 2mins - D's too big! 6mins - Morning Rumble Ice Creams 11mins - Rog's Lump 15mins - Rog's Lump 2.0 20mins - Sam Healey On The Show 26mins - Man With Something In His Head? 28mins - What's In Your Head 32mins - Blade vs Face 35mins - KFC One Question Quiz 38mins - Father's Day Sunday

Donna Valentine has some questions about a recent photo taken of her where it looks like she has a lump on her leg. We investigate!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Questions about what to say to someone who finds it hard to believe in a God that lumps non-criminals in with murderers and rapists when he sends them to Heaven or Hell, and whether all receive the same punishment in Hell.   What could you ask a non-believer who finds it hard to believe in a God that lumps non-criminals in with murderers and rapists when he sends them to Heaven or Hell? Do all receive the same punishment in Hell? Does Hitler receive the same eternal punishment as a Buddhist?

Send us Fan MailRomans 9 doesn't leave room for religious pride, and it doesn't let us soften the sharp edges with word games. We pick up at Romans 9:21 and walk straight into the potter and clay picture, where Paul insists there is “the same lump” of fallen humanity and God has the right to form vessels for honor and for dishonor. That single phrase knocks out the assumption that anyone has a better starting point with God because of heritage, culture, or any other external advantage.We also tackle the pushback Paul expects: “Why does he still find fault?” If God is sovereign, is that injustice? We argue no, because mercy is never owed, and judgment is righteous because of real sin. We make a careful distinction between how God saves and how God judges: grace is God's active rescue that creates a new heart with new desires, while condemnation is God withholding mercy he is not obligated to give, leaving sinners in the state they already chose.Along the way, we challenge the habit of calling parts of God's Word “secondary,” and we point out how the gospel runs from the Old Testament prophets to Christ without changing. If you've wrestled with predestination, sovereign election, free will, or the fairness question, this is a thoughtful place to sit with the text and let it speak. Subscribe, share this with a friend who loves Romans, and leave a review with the question you still can't shake.Support the showBE PROVOKED AND BE PERSUADED!

Send us Fan MailPredestination gets treated like a math problem, but Romans treats it like a window into God's mercy and our humility. We argue for a clear distinction many people miss: God mercifully intervenes to save, while judgment happens as God does not intervene to stop rebels from pursuing what they already want. That's why we call “double predestination” a false symmetry, and why Romans 8:29 matters so much when it says predestination has a purpose: conformity to the image of Christ. From there, we lean hard into Romans 9 and the potter and clay. If all humanity is the same fallen “lump,” then nobody negotiates their way into the kingdom and nobody gets to boast. We talk openly about how modern religion often denies the fall, turns salvation into a personal deal-making process, and resists the idea that God has the right to do what he wills with what belongs to him. Along the way, we also address end-times assumptions tied to dispensationalism and rapture teaching that divides Jew and Gentile, and we explain why that clashes with the “same lump” reality. We also unpack one of the most debated phrases in the chapter: “vessels of wrath fitted to destruction” versus “vessels of mercy, which he had afore prepared for glory.” We connect that wording to divine hardening, God's long-suffering, and Pharaoh's role in displaying God's power to his people, with a forward look to the justice-and-worship themes echoed in Revelation. If you want biblical clarity without flattery, press play, then subscribe, share the episode, and leave a review with your biggest question or pushback.Support the showBE PROVOKED AND BE PERSUADED!

Send us Fan MailGod could end evil in an instant, so why doesn't He? We start with Israel watching the Red Sea open, then doubting almost immediately, and we follow that same human pattern into one of the hardest themes in Christian theology: God's long suffering. We talk about why divine patience should never be mistaken for approval, weakness, or indifference, and why the delay of judgment is part of a deliberate purpose that's unfolding across history. From Pharaoh and the plagues to Romans 9, we explore how God patiently endures rebellion while still directing outcomes, and how that patience leaves the final judgment unmistakably just. Then we tackle the “same lump of clay” argument head-on by bringing Judas into the picture: we're not saved because we're better, and the lost aren't condemned because they're made from different material. The difference is mercy and grace, not superior clay. We also debate whether God's sovereignty and human responsibility run like parallel train tracks or whether they truly intersect, using Proverbs, God's decree, and the idea of God employing real human desires as real means. Along the way, we touch on election language from Romans 11 and keep returning to the central thread: God's glory. Salvation isn't only rescue; it's God making known the riches of His glory on vessels of mercy prepared beforehand for glory. If you've ever wondered how patience, justice, sovereignty, and human accountability fit together, this conversation will stretch you in the best way. Subscribe, share this with a friend who loves deep Bible study, and leave a review. Where do you land on the “parallel vs intersecting” question?Support the showBE PROVOKED AND BE PERSUADED!

Send us Fan MailYou can spend a lifetime trying to find the one thing that makes you “worthy” of God's mercy, and Romans 9 cuts that search off at the root. We talk through the stunning claim that we are vessels of mercy not because of foreseen merit, not because God looked ahead and saw we would believe first, and not because our will is somehow better than someone else's. We are made from the same lump, and the only reason any of us stands is sovereign grace.From there, we wrestle with what Paul is doing across Romans 9 through 11: stripping away boasting in outward privilege and putting the spotlight where it belongs. Salvation becomes a theater where the riches of God's glory are displayed as guilty sinners are pardoned, justified, adopted, sanctified, preserved, and ultimately glorified. That isn't abstract Reformed theology for debate points; it's meant to bring comfort to the soul and produce a grateful, humble walk.We also tackle assurance of salvation head-on. If God “prepared beforehand unto glory,” what does that say about losing salvation? We connect the logic of predestination, calling, justification, and glorification to the keeping power of God and the finished work of Christ. We close with a practical discernment filter for confusing doctrines: does the teaching lead you to the Creator or the creation, and does it land on Christ as the answer?If this encouraged you, subscribe, share it with a friend who needs rest, and leave a review so more people can find the conversation.Support the showBE PROVOKED AND BE PERSUADED!

What if that old pension you barely think about is secretly one of the most valuable assets in your retirement plan? Bill and Jackie welcome back financial planner and educator, Andy Panko for a deep dive into the increasingly rare (but far from extinct) world of pensions. They explore plans from private and government employers and why a seemingly small monthly check can dramatically change the work the rest of your portfolio has to do. This episode covers Why pensions are less common but still relevant to millions of workers What it actually means when an employer "freezes" a pension How to think about a pension as part of your overall retirement portfolio The risks behind private, federal, state, and municipal pension promises Lump sum versus lifetime monthly payments and the trade-offs of each Single-life, joint-and-survivor, period-certain, and inflation-adjusted pension options Why guaranteed income can give retirees psychological permission to spend When comparing an employer pension with a commercial income annuity may make sense  Andy's four-question framework for deciding whether lifetime payments fit your plan Jackie's pension options and her final decision to turn on lifetime monthly payments Where to find old or forgotten pensions from previous employers . === SUPPORT  THE  SHOW ===

YOU MAY KNOW CHRIS FROM THE BANDS: BALLS, GIRAFFE, CASPER BABY PANTS OR PERHAPS THE PRESIDENTS OF THE UNITED STATES OF AMERICA (with the hit songs "LUMP" and "PEACHES") I hold "the Presidents" up there with They Might Be Giants, Weird Al and Cake! *** Chris returns to Know Good Music for the 2nd time and talks to Rob about: THE NEW ALBUM "NEWBORN HUMAN"  THE CREATION OF THE SONG "PEACHES"  WHERE CHRIS GOT HIS SENSE OF HUMOR CHRIS' 3 FAVORITE COMEDIANS MEMORIES OF TOURING WITH THE PRESIDENTS  IF THE PRESIDENTS WILL RE-UNITE OR NOT HOW THE SOLO SONGS ALL COME TOGETHER - WRITING - TWEEKING THE TIME CHRIS PITCHED A PARODY SONG TO WEIRD AL and more! It's always great talking to Chris and you will simply love this interview! *** Visit Chris' Website at www.chrisballew.org Stream the new songs ... listen to some rare unearthed songs ... and keep up with what Chris is up to. *** KNOW GOOD MUSIC can be found on Podbean (host site), Spotify, Apple Podcasts, Iheart Radio, Pandora, YouTube  and almost anywhere you listen to podcasts. Links to more sources at Link Tree - www.linktr.ee/knowgoodmusic Visit our YouTube Channel where you can see video segments from all of our interviews.  Just search "know good music" Please follow / subscribe & comment Follow our Instagram & Facebook pages for info on upcoming podcasts and sometimes extra content Visit our website where you can find some cool Know Good Music merchandide (shirts / mugs) at: https://knowgoodmusicpodcast.wixsite.com/know-good-music/knowgoodmerch TURN OFF THE TV - AND TURN UP THE MUSIC!!!   COPYRIGHT CLAIM: The songs : Newborn Human, Hallow Feeling, Peaches & Give In, Get Up used with permission from Chris Ballew.

This episode of Fit As A Fiddle features Dr. Ilya Iofin, Chief of Orthopedic Oncology at Mount Sinai Hospital. We explore the complex world of cancer, focusing on the specialized treatment of rare soft tissue and bone sarcomas. Dr. Iofin explains that cancer is not one disease, but a diverse group of conditions that can present and behave differently based on specific mutations and the individual patient. He also shares insights into navigating uncertain prognoses and making difficult decisions about limb-sparing surgery versus amputation.A major focus is soft tissue sarcomas, with only about 15,000 cases diagnosed annually in the United States. Dr. Iofin explains how to distinguish a common benign mass, such as a lipoma, from a potentially dangerous sarcoma. Listeners will learn the warning signs that require prompt medical attention: a mass larger than two inches, located deep within the muscle, or actively growing, even if it is painless. The discussion also covers metastatic bone disease and how unexplained fractures without significant trauma, such as a femur breaking while walking, may signal an underlying tumor.Finally, we explore the evolving role of technology in medicine. Dr. Iofin discusses how artificial intelligence can help summarize medical literature, while emphasizing the need for fact-checking. He also explains why the critical thinking and highly skilled hands-on work of human surgeons will not be replaced by machines anytime soon.Click here and use your exclusive 20% listener discount (Code: Fit20) to enroll in Master Your Pelvic Floor, our signature self-paced course that will change the way you understand and care for your body.

Same money, same returns, same twenty years. One fund charges 0.2%, the other charges 1%. The difference is more than fifty thousand dollars, and Shani Jayamanne ran the numbers before she walked into the studio. Shani is an Investment Specialist at Morningstar, co-host of Investing Compass and co-author of Invest Your Way. Morningstar runs a study twice a year comparing what funds return against what the investors in those funds actually get, and the funds win by 1.2% a year. Shani explains where that gap comes from, why Australians are among the best in the world at closing it, and what that has to do with the fact that someone else decides when your super goes into the market. WHAT YOU'LL GET OUT OF IT The gap between investment returns and investor returns, and exactly what's causing it Why losses hurt more than twice as much as gains, and the two mistakes that come from it What a 1% fee really costs you over twenty years Why more investment options make people less likely to invest at all What happens to your returns if you miss the ten best days in the market Lump sum versus dollar cost averaging, and where Ben disagrees with the research Why the most sophisticated investors tend to have the simplest portfolios The investment specialist who doesn't pick stocks, and why CHAPTERS 00:21  Intro 00:44  The biggest mistake Australian investors make 01:30  Mind the Gap: your fund beat you by 1.2% 02:30  Why compulsory super makes Australians better investors 04:00  Loss aversion, and why losses hurt 2.25 times more 06:11  Do men and women invest differently 06:30  Complexity is not sophistication 08:00  Boring is profitable 10:30  The chart a colleague left on her desk 12:00  Why more choice means less action 15:22  Thematic ETFs and the AI question 19:43  Growing up with cash and property and no shares 22:00  Fifty dollars a week on a $56,000 salary 24:16  What changed in how she invests 26:30  What a 1% fee really costs 27:55  Where markets are and what's already priced in 29:27  Lump sum or drip feed, and Ben pushes back 33:24  Advice to her 21 year old self SHANI JAYAMANNE, MORNINGSTAR Investing Compass on Apple: https://podcasts.apple.com/au/podcast/investing-compass/id1533956604 Investing Compass on Spotify: https://open.spotify.com/show/70E7mbBaJOFuVQOGhxWsK3 Invest Your Way: https://amzn.to/46qMXAu Morningstar Australia: https://www.morningstar.com.au   Smarter money moves start here. Learn how to cut through the noise, avoid expensive mistakes, and get ahead faster. FREE 7-DAY MONEY CHALLENGES Pick one and see what changes in a week: https://pivotwealth.com.au/challenges/ WORK WITH US Book a no-strings call: https://www.pivotwealth.com.au/booking More about Pivot Wealth: https://www.pivotwealth.com.au BEN'S BOOKS Virgin Millionaire: https://amzn.to/3VFPPDM Replace Your Salary by Investing: https://amzn.to/3J9Ta8g Get Unstuck: https://amzn.to/3xo0MQG All books: https://www.pivotwealth.com.au/books FOLLOW Instagram: https://www.instagram.com/pivotben TikTok: https://www.tiktok.com/@bentalksmoney YouTube: https://www.youtube.com/c/BenNashPivot Facebook: https://www.facebook.com/pivotwealth/ DISCLAIMER This podcast is for education only and doesn't take into account your personal circumstances. It's not financial advice. If you buy a financial product, read the PDS and TMD, and seek advice tailored to your situation. Ben Nash and Pivot Wealth are authorised representatives of Fish Tacos Pty Ltd, ABN 14 649 248 082, AFSL 533055.

Somebody in Quincy, Illinois just became insanely rich, somebody else allegedly treated a Morgan Wallen concert like his own personal bathroom, and somehow that's only the beginning of today's Rizzuto Show.The crew kicks things off with the massive Powerball jackpot and the one winning ticket sold in Quincy, Illinois. Naturally, instead of simply congratulating this newly minted billionaire and moving along like mature adults, we immediately start spending their money for them. Lump sum or annuity? Buy an island or stay in the same house? Disappear forever or become the richest tractor enthusiast in the Midwest? This funny podcast tackles all the responsible financial questions that absolutely nobody should trust us to answer.Moon also wonders whether the mystery winner could somehow be his cousin, which leads to dreams of farmland, giant gardens, tractors, demolition derby cars and the kind of billionaire lifestyle that says, “Yes, I have generational wealth, but I still know how to fix this carburetor.”Then things take a hard turn. And by “hard turn,” we mean the kind of conversational detour only The Rizzuto Show could make.We get an update on Michael Phillips, the North Carolina man who previously went viral for openly discussing his micropenis condition and is now preparing for an enhancement procedure. Rizz actually donated to the crowdfunding campaign, because apparently this show occasionally uses its powers for good between making every possible inappropriate joke about the situation.From there, welcome to The Urine Chronicles.The man accused of urinating on seated concertgoers during a Morgan Wallen show has finally been arrested, reopening one of the great philosophical debates of our time: what exactly are you legally, morally and spiritually allowed to do when a stranger starts peeing on you? Rizz has some thoughts. Rafe has some extremely specific defensive strategies. Lern consults the internet. Moon attempts to introduce reason into the discussion, which—as longtime listeners know—is usually where everything goes wrong.There's also a trip through history as the crew marks the anniversary of the Berlin Wall going up, complete with escape stories, Moon's memories of visiting Berlin and the historically impeccable reminder that David Hasselhoff personally brought the whole thing down. Please do not cite this funny podcast in your dissertation.Then it's time for Crap on Celebrities, featuring Diddy's prison update and a debate over whether celebrities can ever truly become untouchable after major scandals. The crew gets into Ozzy Osbourne's “Crazy Train” passing one billion Spotify streams, new Phoebe Bridgers music, upcoming rock documentaries, Jason Sudeikis joining Mumford & Sons for the Ted Lasso theme, Seinfeld remaining comfort-food television, Rory Scovel's comedy special, Star Wars fatigue, Ewan McGregor's willingness to return as Obi-Wan Kenobi, and Julie Andrews stepping away from Princess Diaries 3.Plus, celebrity fan encounters get deeply weird. Dolly Parton once had a baby left on her doorstep. The Jonas Brothers received a preserved baby shark. Rupert Grint apparently accepted an invitation to party with drag queens until 4 a.m. And James McAvoy got presented with perhaps the most direct hall-pass proposal imaginable.Throw in birthdays, St. Louis references, inappropriate detours and enough pop culture commentary to make your search history look deeply concerning, and you've got another funny podcast from The Rizzuto Show.Come for the billion-dollar dreams. Stay because we're apparently litigating concert pee.Follow The Rizzuto Show → linktr.ee/rizzshow for more from your favorite daily comedy show.Connect with The Rizzuto Show Comedy Podcast online → 1057thepoint.com/RizzShow.Hear The Rizz Show daily on the radio at 105.7 The Point | Hubbard Radio in St. Louis, MO.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode, Benjamin Lake, CFA®, CFP® and I went rapid fire through the biggest financial debates that come up constantly with clients.Rent vs. buy Lump sum vs. dollar cost averaging Roth vs. traditional Term vs. permanent life insurance Index funds vs. direct indexing Pay off the mortgage early or invest the difference------✅ Financial planning for 30-50 year old entrepreneurs: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.allstreetwealth.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠✅ My personal blog & newsletter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.thomaskopelman.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Disclaimer: None of this should be seen as financial advice. It is just for informational purposes.

Lot 140 : The Lump Consigned by P.D. Thompson Starring Fiona Thraille Judith Evenson   **Much obliged for using the Factor and Mint Mobile link below. It lends a helping hand to our little shop, and we're truly grateful for the support.

Most of my £196k investment portfolio (at the time of recording) is invested in global index funds and ETFs. And right now they're all sitting at record highs - or 'all-time highs'.As is the S&P 500, the Nasdaq, and many other broad market indices.Which begs the obvious questions: is now a terrible time to invest? Should you just wait for a dip? Is this time different?In this episode we go through:What the data actually says about investing at all-time highsWhy 'this time might be different' (or might not be) Practical steps to take, given the market is at a record highAnd moreThanks for watching and let me know what you think by leaving a comment below!-----------------------------------------

Recorded 2026-08-03 05:47:22

Recorded 2026-08-01 07:04:52

Through two short parables that use the images of a mustard seed and leaven, Jesus makes a similar point. Both a mustard seed and leaven are small and seem insignificant, yet over time, both bring substantial growth. In a similar way, God's reign as King may seem insignificant right now in the ministry of Jesus, but the Lord promises that His reign will become a home for many people. Jesus' parables bring about a fulfillment of God's Word from Psalm 78.  Rev. Ned Moerbe, pastor at Memorial Lutheran Church and School in Houston, TX, joins host Rev. Timothy Appel to study Matthew 13:31-35.  To learn more about Memorial Lutheran, visit mlchouston.org. “The Reign of Heaven Stands Near” is a series on Sharper Iron that studies the Gospel according to St. Matthew. The first evangelist proclaims that God has fulfilled His Old Testament promises by sending Jesus to bring the reign of the heavens among us. As the Son of David, Jesus is the gracious King we need, and as the Son of Abraham, Jesus is the blessing to all the families of the earth.  Sharper Iron, hosted by Rev. Timothy Appel, looks at the text of Holy Scripture both in its broad context and its narrow detail, all for the sake of proclaiming Christ crucified and risen for sinners. Two pastors engage with God's Word to sharpen not only their own faith and knowledge, but the faith and knowledge of all who listen. Pastor Appel serves at Faith Lutheran Church in Godfrey, IL. Learn more at flcgodfrey.org. Submit comments or questions to: listener@kfuo.org

Recorded 2026-07-28 19:06:07

Chris Ballew is BACK for his fifth Power Chord Hour appearance to talk about his 11th solo album Newborn Human, the making of the Presidents 1996 sophomore album II, if it's harder to open or close and album and lots more CHRIS BALLEW https://chrisballew.org https://chrisballew.bandcamp.com https://www.instagram.com/chrisballew https://www.instagram.com/pusaband PCH Instagram - www.instagram.com/powerchordhour Facebook - www.facebook.com/powerchordhour Youtube - www.youtube.com/channel/UC6jTfzjB3-mzmWM-51c8Lgg powerchordhour@gmail.com Donate to help show costs - https://www.paypal.com/paypalme/pchanthony https://cash.app/$anthmerch Check out the Power Chord Hour radio show every Friday night at 8 pm est/Tuesday at Midnight est on 107.9 WRFA in Jamestown, NY. Stream the station online at wrfalp.com/streaming/ or listen on the WRFA app/Apple CarPlay/Android Auto

Recorded 2026-07-26 21:02:22

Recorded 2026-07-26 21:29:07

Yup. Getting outside has meant like EVERYTHING to me as I sit with the potential outcomes, as well as navigate the healthcare system to receive the care that will help.It's funny how there are no coincidences – I am offering a workshop this coming Monday, in zoom, 6 PM Eastern time on 27 July – called “Let's Go Outside.” If you, like me, can use a little outside time, plus being in shared company and playing together, I'd love to see you there.Here's the registration link. If you're a Dreamers & Doers member, there's some savings for you to join the workshop; the link is in our community. And here's the events page so y'all can see what events are coming up.Thank you for being present with me right now. It truly means more than I can say.

Split and Lump season is here again, and as we have since this podcast began, we welcome Dr. Nick Block of Stonehill College to discuss the exciting bird taxonomy changes that might be coming to a life list near you via the AOS NACC. Could this be the year we finally see the long awaited splits of Willet and Marsh Wren? Will Great Egret be picked apart into its continental forms? Is Prairie-Chicken on the way out in favor of Prairie-Grouse? We answer all those questions and more! Also, Nate fact checks a phenomenal Short-eared Owl story from last week's Random Birds.  Subscribe to the podcast at Apple Podcasts, Spotify, or wherever you get your podcasts and please leave a rating or a review if you are so inclined! We appreciate it!

Paul returns from a two-week Baltic cruise refreshed and ready to dig into the numbers. He opens with a 12-month performance review of the recommended portfolios at Avantis, DFA and Vanguard — Avantis averaged 31.1% across the 10 equity asset classes in the Ultimate Buy and Hold, versus 27.7% at DFA and 26% at Vanguard — and explains why the non-traditional index funds keep outperforming traditional cap-weighted indexes.Paul also revisits Ben Carlson's look at the ARK Innovation ETF (ARKK), which grew to $30 billion under management before falling 65% while the S&P 500 gained more than 60% — a costly lesson in performance chasing, with an estimated $7.5 billion in shareholder losses.Then Paul answers 12 listener questions, with a special deep dive into table G1B — 56 years of S&P 500 vs. small cap value returns, one year at a time, plus every combination in 10% increments.QUESTIONS COVERED1. Funds that match the international and U.S. small cap value asset classes 17:182. Keep investments at Fidelity or move to Vanguard? 18:513. Is the Vanguard money market fund a good long-term emergency fund? 20:194. Pairing the S&P 500 with small cap value — the G1B fine-tuning table 21:465. Why the Four Fund worldwide portfolio uses U.S. small cap value only 31:176. Should geopolitical tension make you cash out? 33:577. Why has small cap value historically produced higher returns? 36:478. Can you get rich from investing? The Rule of 72 and $100 a month 41:519. Is the all-value worldwide portfolio better than the other strategies? (Table H2) 44:0310. Where to find the 10 Fund portfolio allocations 48:3911. Paul's take on DFA's micro cap fund (DFMC) 49:1612. Lump sum or dollar cost average when switching funds in a Roth? 51:57LINKS• Table H2 — Sound Investing Portfolios Comparison (Worldwide All Value)• Table H1a — Sound Investing Portfolios Asset Allocations• Fine-Tuning Table G1B — S&P 500 vs. Small Cap Value• Fine-Tuning Table G1C — S&P 500 vs. SCV, 2025 Returns• Best-in-Class ETF Recommendations

Lump sum investing can feel like a smart next step when extra cash is sitting in a money market fund or savings account. But before choosing dividend stocks, bonds, growth funds, crypto, or any other investment, the real question is: What is this money for? A strong investment strategy starts with purpose, timeline, and risk, not with whatever investment is getting attention right now. When money doesn't have a clear goal, it's easy to build a portfolio around scattered ideas instead of a financial plan. Matching each pool of money to a realistic timeline can help you decide whether you need safety, income, long-term growth, or diversification. For Americans in Israel with U.S. brokerage and IRA accounts, that kind of goal-based investing can make it easier to avoid unnecessary risk, tax surprises, and trend-driven decisions. Key Takeaways and Action Points Start with the goal. Define what each pool of money is meant to support before choosing investments. Use your timeline to guide the strategy. Money needed soon should usually be handled differently from money meant for long-term growth. Don't chase income you don't need. Dividend strategies can be useful, but they should fit your actual cash-flow needs and tax situation. Avoid trend-driven investing. Diversification can help keep your portfolio aligned with your goals instead of the latest market headlines. Read the full blog post here: https://goldsteinongelt.com/investing-basics-strategies/smart-way-to-invest-a-lump-sum    

Sometimes it's fun to daydream a bit!  In this episode of Financial Clarity for Doctors, Rachelle Vanderzanden and Corey Janoff unpack the potential uses of those unexpected windfalls.  The lottery is a great example, although a long shot – especially if you don't play!  Selling a business or receiving a large inheritance is much more likely for some of you.  Below are some practical (and not so practical) ideas. Practical matters first: There will be tax considerations for any windfall and consulting a tax professional and/or financial planning professional will be very helpful. They can help you consider: Lump sum vs annuity payments Timing of business ownership transfer and payments Taxation on various inherited assets and the timing of withdrawals and sales Then, assess where you are with your goals! Can ensure you are on track for retirement, college savings, debt repayment, and so many other things. Last – the fun stuff! With large windfalls, maybe you get to do that pie in the sky dream splurge? Golf simulator? Vacation house? Large chunks of money can potentially have larger tax implications depending on their source. Consulting a tax planning professional can be very helpful in these circumstances. And with these windfalls, consider what's really important to you, tackle that first, then maybe you'll have extra for a splurge! For more financial planning tips from Corey and Rachelle, find them on social media! LinkedIn: @CoreyJanoff; Instagram: @CoreyJanoff and @VanderzandenRachelle; and Twitter: @CoreyJanoffCFP Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities and advisory services offered through LPL Financial, a registered investment advisor, Member FINRA/SIPC.  Finity Group, LLC is a separate entity from LPL Financial.  Finity Group and LPL Financial do not provide legal advice or tax services.  Please consult your legal advisor or tax advisor regarding your specific situation. This material is for general information and educational purposes only and is not intended to provide specific advice or recommendations for any individual. Investing involves risk including the loss of principal. There is no assurance that the views or strategies discussed are suitable for all investors or will yield positive outcomes. Finity Group and LPL Financial do not provide legal advice or tax services. Please consult your legal advisor or tax advisor regarding your specific situation. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. ETFs trade like stocks, are subject to investment risk, fluctuate in market value, and may trade at prices above or below the ETF's net asset value (NAV). Upon redemption, the value of fund shares may be worth more or less than their original cost. ETFs carry additional risks such as not being diversified, possible trading halts, and index tracking errors. Fixed and Variable annuities are suitable for long-term investing, such as retirement investing. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Withdrawals made prior to age 59 ½ are subject to a 10% IRS penalty tax and surrender charges may apply. Variable annuities are subject to market risk and may lose value. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. A Roth IRA offers tax deferral on any earnings in the account. Qualified withdrawals of earnings from the account are tax-free. Withdrawals of earnings prior to age 59 ½ or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax. Limitations and restrictions may apply Citations: Loughead, Katherin.  Estate and Inheritance Taxes by State, 2025.  Tax Foundation. October 28, 2025. Bonus Depreciation for Short-Term Rentals: The Complete Guide (2026).  https://taxfoundation.org/data/all/state/estate-inheritance-taxes/ Powerball. FAQS.  https://www.powerball.com/faqs

Welcome to the Komen Health Equity Revolution series on Real Pink — where patients, advocates, researchers and community partners come together to talk honestly about what's standing in the way of breast health equity, and what we're doing to change it. June is Pride Month — a time to celebrate identity, community and the courage it takes to live authentically. Today's conversation sits right at the heart of that. Because advocating for yourself, knowing your body and refusing to be dismissed, that's not just a health message. That's a love letter to who you are. Our guest today is Shelby Smith. She was 30 years old when she noticed something felt off. No family history of breast cancer. Young, healthy, going about her life as a wife and mom to a 7-year-old daughter. But she trusted herself — and that decision changed everything. Shelby faced a 12-centimeter tumor, a bilateral mastectomy, 16 rounds of chemo and 15 rounds of radiation. She did her own research, built her own notebook, asked her own questions — and came out the other side with a message she wants every young woman to hear: Know your normal. And when something doesn't feel right, advocate for yourself. Key Takeaways: Trust your instincts when something feels off Self-advocacy can change outcomes Being informed helps patients navigate treatment Cancer can affect more than physical health Including loved ones in the journey matters Chapters 00:00 Introduction: Shelby's Breast Cancer Story 02:07 Discovering a Lump and Seeking Answers 04:37 Diagnosis, Testing, and Receiving the News 10:07 Research, Self-Advocacy, and Navigating Treatment 17:33 Identity, Family, and Talking to Her Daughter 24:46 Life After Treatment and Advice for Young Women Learn more at realpink.komen.org and komen.org Real Pink, by Susan G. Komen, shares real stories and expert insights to support people navigating breast cancer, from diagnosis through survivorship.

This week, Deirdre & Emma chat about mosquitos & sexy juices, an Ibiza all-nighter and big Irish headsThis Podcast is part of the Acast Network.Recorded at D2 Podcast StudioArtwork: Alan Bourke-TuffyThank you for listening! Follow Keep It Tight on Instagram!Thank you for listening! Follow Keep It Tight on Instagram! Artwork: Alan Bourke-Tuffy Hosted on Acast. See acast.com/privacy for more information.

A breast cancer diagnosis may feel like it changes your entire life in an instant, but it doesn't get to define who you are or make all your choices for you. On today's episode of Real Pink, we're joined by Amanda Sangemino, a remarkable young woman whose diagnosis came at an age when cancer was likely the last thing on her mind. What began with a concern that was initially dismissed ultimately led her to trust her instincts, advocate for herself, and make a series of personal decisions about her treatment and future. Throughout the process, she was determined not to let fear and cancer make every decision for her. Today, she'll talk about the choices that she made about fertility, surgical options and maintaining an active lifestyle and why trusting yourself can be one of the most powerful tools you have. Key Takeaways: Mindset can play a powerful role during treatment Trust your instincts and advocate for yourself Maintaining normalcy can be empowering Don't let cancer make every decision for you A strong support system makes a difference Chapters: 00:00 – Amanda's Breast Cancer Story Begins 01:28 – Finding a Lump and Receiving a Misdiagnosis 04:22 – Seeking a Second Opinion and Getting Answers 07:00 – Why Self-Advocacy Matters for Young Women 10:00 – Fertility, Menopause, and Treatment Decisions 14:43 – Choosing Surgery, Staying Active, and Building Support 23:09 – Amanda's Final Advice Learn more at realpink.komen.org and komen.org Real Pink, by Susan G. Komen, shares real stories and expert insights to support people navigating breast cancer, from diagnosis through survivorship.

Recorded 2026-06-03 05:07:52

Has your family consumed its lump of coal today?One of the most perverse presidential moves ever is Trump's Big Government decree to force feed “King Coal” to Americans. Proclaiming an “energy emergency,” he unilaterally ordered five electric utilities to re-open their old, coal-burning power plants.These are toxic bombs, that continuously spew mercury, carbon dioxide, and a mix of other killer pollutants into our air, water, and bodies. Mercury emissions are especially vicious, causing early death in adults and permanent IQ damages to fetuses and children. Even the president's own health secretary has excoriated mercury pollution from coal-fired utilities as “the most powerful neurotoxin we know of in the universe.”That's why We the People have rebelled against the greed of coal barons in past years, finally replacing their deadly fuel with wind power, solar, and other renewable energy sources – which also lowers consumers' electric bills.So why push to re-impose a horrific corporate poison that the people have already rejected – and that progressive utilities have moved beyond?Crass corruption. By hailing dirty coal as “beautiful,” while demonizing and defunding clean energy, Trump has been showered with millions of dollars from old-line coal profiteers. And never underestimate vanity – he even got a custom bronze trophy from the polluters, hailing him as the “Undisputed Champion of Beautiful Clean Coal.”After America began replacing coal with clean energy, mercury pollution plummeted. But by restarting coal-fired utilities last year, Trump has already increased mercury emissions by 9 percent. Since he tries to merchandize everything, though, you might be able to buy an autographed lump of coal from him.Do something!* The Sierra Club's “Beyond Coal” campaign is a great place to find all kinds of resources for taking action, making local change, and more.* Money in politics remains the thorn in our collective sides, so you can also check out End Citizens United to get involved on that front.Jim Hightower's Lowdown is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit jimhightower.substack.com/subscribe

Joe Schmitz Jr. and Jeremy Keil explore the 2% Club of retirees and the unique challenges that come with significant retirement savings and a pension. https://youtu.be/G04JKpKyLJ0 Most retirement conversations focus on one question: Will I have enough? But there's another retirement challenge that doesn't get talked about nearly enough: What happens when you've done everything right? Joe Schmitz Jr. has been working with a very specific group of retirees he calls the 2% Club. His definition: People who have both: A pension And $1 million or more saved for retirement That combination creates opportunities. But it also creates a different set of retirement decisions. Success Creates Different Problems For decades, these retirees did what they were told: Saved consistently Avoided lifestyle inflation Built meaningful retirement assets Earned pensions Stayed disciplined Now retirement arrives… …and suddenly the challenge isn't accumulating wealth. It's using it wisely. Joe shared one statistic that stood out: “80% of people out there will pay no federal income taxes in retirement… while this 2% club is part of that 20% that will have to pay taxes and typically much more.” That means retirement planning shifts. Less focus on accumulation. More focus on: Taxes Spending Distribution strategy Legacy Purpose Why High-Income Retirees Can Accidentally Become Under-Spenders One of the most interesting parts of this conversation was Joe's concept of the Midwestern Millionaire. His description: Hard-working.Frugal.Disciplined. Excellent savers. Often reluctant spenders. And that creates an unexpected retirement problem. People who spent 40 years training themselves to save don't automatically become comfortable spending. Even when they can afford it. Joe described clients who had millions saved but still struggled emotionally to use their money because restraint had become part of their identity. That's where retirement planning becomes less about spreadsheets and more about permission. The Four Places Your Money Can Go Joe offered a simple framework. Your money ultimately goes somewhere. You can: Spend it Gift it Give it Pay taxes on it That framework creates an important question: If you're not spending your money intentionally… where is it going? That doesn't mean everyone should spend aggressively. But it does mean retirees should think intentionally about: Lifestyle Family impact Charitable goals Taxes Because choosing not to decide is still a decision. Pension Decisions Deserve More Attention Than Most People Give Them Joe also emphasized something I see frequently: People often make pension elections based on coworkers. Someone retires.Takes a lump sum.Everyone follows. But pension elections are often irreversible. Joe's advice was simple: Run the numbers. Questions like these matter: Lump sum or monthly pension? Survivor benefits? Age differences between spouses? Existing assets? Insurance needs? The right answer isn't universal. It's personal. Don't Let Tax Fear Control Retirement For some retirees, fear of crossing an income threshold and triggering Medicare IRMAA surcharges becomes bigger than the actual cost itself. Joe's point wasn't to ignore taxes. It was to understand them. Tax planning matters. But taxes shouldn't become the only goal. Because avoiding taxes at all costs can sometimes prevent people from living the retirement they actually built. The Real Goal One story Joe shared captured this perfectly. A retired couple promised each other they'd spend intentionally during their early retirement years. Two years later… They had spent nothing. Not because they couldn't. Because they hadn't learned how. Eventually they created a spending plan and began enjoying experiences they had delayed for decades. That's the shift retirement requires. You don't stop being disciplined. You simply redirect that discipline. The Bottom Line Retirement success isn't measured by how much money you leave untouched. It's measured by whether your money helps support the life you actually wanted. Because after decades of saving… Retirement planning becomes deciding what your wealth is for. Don't forget to leave a rating for the “Retire Today” podcast if you've been enjoying these episodes! Subscribe to Retire Today to get new episodes every Wednesday. Apple Podcasts: https://podcasts.apple.com/us/podcast/retire-today/id1488769337  Spotify Podcasts: https://bit.ly/RetireTodaySpotify About the Author: Jeremy Keil, CFP®, CFA is a retirement financial advisor with Keil Financial Partners, author of Retire Today: Create Your Retirement Income Plan in 5 Simple Steps, and host of the Retirement Today blog and podcast, as well as the Mr. Retirement YouTube channel. Jeremy is a contributor to Kiplinger and is frequently cited in publications like the Wall Street Journal and New York Times. Additional Links: Buy Jeremy's book – Retire Today: Create Your Retirement Master Plan in 5 Simple Steps “How Much Taxes Will Retirees Owe on Their Retirement Income?” – Center for Retirement Research at Boston College Peak Retirement Planning Joe Schmitz Jr. on YouTube: https://www.youtube.com/@peakretirementplanninginc.  Articles by Joe Schmitz Jr. on Kiplinger “Joe Knows Retirement” podcast with Joe Schmitz Jr.  Books by Joe Schmitz Jr.  Connect With Jeremy Keil: Keil Financial Partners LinkedIn: Jeremy Keil Facebook: Jeremy Keil LinkedIn: Keil Financial Partners YouTube: Mr. Retirement Book an Intro Call with Jeremy's Team Media Disclosures: Disclosures This media is provided for informational and educational purposes only and does not consider the investment objectives, financial situation, or particular needs of any consumer. Nothing in this program should be construed as investment, legal, or tax advice, nor as a recommendation to buy, sell, or hold any security or to adopt any investment strategy. The views and opinions expressed are those of the host and any guest, current as of the date of recording, and may change without notice as market, political or economic conditions evolve. All investments involve risk, including the possible loss of principal. Past performance is no guarantee of future results. Legal & Tax Disclosure Consumers should consult their own qualified attorney, CPA, or other professional advisor regarding their specific legal and tax situations. Advisor Disclosures Alongside, LLC, doing business as Keil Financial Partners, is an SEC-registered investment adviser. Registration does not imply a certain level of skill or expertise. Advisory services are delivered through the Alongside, LLC platform. Keil Financial Partners is independent, not owned or operated by Alongside, LLC. Additional information about Alongside, LLC – including its services, fees and any material conflicts of interest – can be found at https://adviserinfo.sec.gov/firm/summary/333587 or by requesting Form ADV Part 2A. The content of this media should not be reproduced or redistributed without the firm’s written consent. Any trademarks or service marks mentioned belong to their respective owners and are used for identification purposes only. Additional Important Disclosures

That “lump in your throat” might be a symptom of something more chronic.In this episode of the MindBodySpace Podcast, Dr. Juna sits down with her own doctor, Dr. Jonathan Aviv—ENT physician, Columbia professor, clinical professor at Mount Sinai, and author of The Acid Watcher Diet.We talk about silent reflux, acid influx, and a stomach enzyme called pepsin that may sit in the throat, mouth, nose, and sinuses—and then get reactivated by acidic foods and drinks.This matters because reflux does not always feel like heartburn and chronic reflux can lead to problems benign and pre-cancerous.Sometimes it feels like:✔️ chronic cough✔️ hoarseness✔️ constant throat clearing✔️ post-nasal drip✔️ a lump in your throat✔️ waking up at night feeling like you can't breatheDr. Aviv also explains why some “healthy” flavored drinks, sparkling waters, sports drinks, vinegar, citrus, tomato sauce, and wine can be triggers for some people—and why the solution does not have to be a miserable, restrictive diet.This is where tracking matters.Changing your diet is not just willpower. It's pattern recognition. The RELAX TO SOAR™ planner helps you track food, sleep, stress, exercise, routines, and how your body feels—so you can start seeing what actually helps you feel better.Small changes. Real patterns. Less guessing.Explore the planner here: limited time special offerhttps://www.mindbodyspace.com/storeThis is not medical advice. Always consult your doctor for individual care.#mindbodyspace #drjuna #braintalk #brainbun #parenting

June in Washington State is 62 with $2.5 million saved and a $350,000 pension on the table. Should she take the lump sum or the monthly check for life? Spoiler alert: there's a 3-to-1 vote in the studio, and Big Al is the one, today on Your Money, Your Wealth® podcast number 581 with Joe Anderson, CFP®, and Big Al Clopine, CPA. Plus, how aggressive should “Homer and Marge” get with Roth conversions, and is it smart to pay the conversion tax from an inherited IRA RMD? Pompous Assets drops his big, fat wallet on the YMYW table next: with millions in tax-deferred and taxable accounts, why is his financial advisor fighting him on a Roth conversion? Of course, Joe and Big Al have some thoughts on the subject. Finally, Johnny Mercer in Georgia is eyeing an immediate income annuity and a MYGA. The fellas break down why that 7.5% “rate of return” might not be what he thinks.Free Financial Resources in This Episode: https://bit.ly/ymyw-581 (full show notes & episode transcript)Ultimate Guide to Roth IRAs - free download:https://purefinancial.com/white-papers/roth-ira-white-paper/?utm_source=captivate&utm_medium=podcast&utm_campaign=whitepaper-ultimate-guide-to-roth-iras&utm_content=ymyw-pod-ep581-description-whitepaperFinancial Blueprint (free, self-guided):https://purefinancial.com/financialblueprint/?utm_source=captivate&utm_medium=podcast&utm_campaign=financial-blueprint&utm_content=ymyw-pod-ep581-description-blueprintYour 11 Step Path to Financial Freedom - YMYW TV:https://purefinancial.com/ymyw/episodes/your-11-step-path-to-financial-freedom/?utm_source=captivate&utm_medium=podcast&utm_campaign=ymyw-tv&utm_content=ymyw-pod-ep581-description-tv-s10e13Financial Assessment (Meet with an experienced professional):https://bit.ly/PureFreeAssessmentREQUEST your Retirement Spitball Analysis:https://bit.ly/AskJoeAndAlDOWNLOAD more free guides:https://bit.ly/PureGuidesREAD financial blogs:https://bit.ly/PureFinBlogWATCH educational videos:https://bit.ly/PureEdVideosSUBSCRIBE to the YMYW Newsletter:https://bit.ly/YMYWNewsletterConnect With Us:Subscribe on YouTube and join the conversation in the comments:https://bit.ly/YMYW-YTSubscribe or follow YMYW in your favorite podcast app:https://lnk.to/ymywLeave your honest reviews and ratings in Apple Podcasts:https://podcasts.apple.com/us/podcast/your-money-your-wealth/id312900254Chapters: 00:00 - Intro: This Week on the YMYW Podcast01:08 - Should I Take the Pension Lump Sum or Monthly Income? (June, WA State)09:23 - How Much Should We Convert to Roth Each Year? (Homer & Marge)16:26 - Should I Convert My Entire IRA to a Roth? (Pompous Assets, Arkansas)23:00 - $5M All in Pre-Tax. Should I Buy an Annuity Before It's Too Late? (Johnny Mercer, GA)36:00 - Outro: Next Week on the YMYW Podcast

Hey Streetwalkers. This is a throwback episode with Chris Ballew from the ground breaking 90s band The Presidents of the United States of America. Chris first appeared on the show on 7.18.22It was such a compelling & fun episode, l decided it needed to be re-visited!Enjoy this throwback episode, tell a friend, and thanks for listening! Chris BallewTake a walk with me down Fascination Street as I get to know Chris Ballew. Chris is a musician and founding member and lead singer of the alternative rock band The Presidents of the United States of America. Chris is also known as Caspar Babypants; catering music for parents and kids to enjoy together. In this episode we chat about why he was drawn to music, touring as a band member with Beck for 2 tours, forming The Presidents, managing huge hits like Peaches, and Lump, and some of the strangely stringed instruments he has played in those songs. He shares stories about Sir Mix A Lot, Beck, Madonna, and even a great story about Kurt Cobain's GHOST! We talk about he second, third, and now fourth musical incarnation; including Caspar Babypants, writing music for tv, film, and commercials, and his latest project, ethereal music. All of this and more, Chris HAS to com back! Follow Chris on social media:Insta: @ChrisBallewCheck out his music at: ChrisBallew.org & Babypantsmusic.com

김영철의 파워FM - 진짜 영국식 영어 591회 - 코 끝이 찡해! = I've got a lump in my throat.

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