Podcasts about Lump sum

A common question we get asked is, can I start Infinite Banking with a Lump Sum?  The short answer is: Yes We find that what most people are really asking with this question is, Does it make sense to start Infinite Banking with a lump sum? A detailed answer will take into consideration the specific amount of the lump sum, personal details, as well as rules and regulations that will apply to you, and will tell you not only if it is possible, but if it is profitable. In this episode we share examples and scenarios that we've designed and observed, where people have funded Infinite Banking policies with lump sums of money. This will help you understand the process better.

Some pastors receive their pay as a lump sum and must decide how to allocate it themselves. In this episode, Art and Matt discuss why that approach might not be ideal for pastors and answer a listener's question. Plus, they kick off some summer fun with music trivia. Tune in!Resources:8 Money MilestonesMy Church Staff: StewardshipAsk a Money Question!

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3161: Chris Reining unpacks the psychological and strategic considerations behind investing a large lump sum, emphasizing the risks of loss aversion and market timing. By advocating for a slower, more measured investment strategy aligned with your savings rate, he provides a practical framework to protect against emotional decision-making and reduce risk while still building long-term wealth. Read along with the original article(s) here: https://chrisreining.com/how-should-i-invest-a-lump-sum/ Quotes to ponder: "We like gains, but we hate losses even more." "To protect you from yourself by easing smaller amounts of money into the market over longer periods of time it gives new investors more time to get comfortable with investing." "By investing a static amount each month, you average everything out." Episode references: The Power of Loss Aversion - Daniel Kahneman and Amos Tversky: https://en.wikipedia.org/wiki/Loss_aversion Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3161: Chris Reining unpacks the psychological and strategic considerations behind investing a large lump sum, emphasizing the risks of loss aversion and market timing. By advocating for a slower, more measured investment strategy aligned with your savings rate, he provides a practical framework to protect against emotional decision-making and reduce risk while still building long-term wealth. Read along with the original article(s) here: https://chrisreining.com/how-should-i-invest-a-lump-sum/ Quotes to ponder: "We like gains, but we hate losses even more." "To protect you from yourself by easing smaller amounts of money into the market over longer periods of time it gives new investors more time to get comfortable with investing." "By investing a static amount each month, you average everything out." Episode references: The Power of Loss Aversion - Daniel Kahneman and Amos Tversky: https://en.wikipedia.org/wiki/Loss_aversion Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3161: Chris Reining unpacks the psychological and strategic considerations behind investing a large lump sum, emphasizing the risks of loss aversion and market timing. By advocating for a slower, more measured investment strategy aligned with your savings rate, he provides a practical framework to protect against emotional decision-making and reduce risk while still building long-term wealth. Read along with the original article(s) here: https://chrisreining.com/how-should-i-invest-a-lump-sum/ Quotes to ponder: "We like gains, but we hate losses even more." "To protect you from yourself by easing smaller amounts of money into the market over longer periods of time it gives new investors more time to get comfortable with investing." "By investing a static amount each month, you average everything out." Episode references: The Power of Loss Aversion - Daniel Kahneman and Amos Tversky: https://en.wikipedia.org/wiki/Loss_aversion Learn more about your ad choices. Visit megaphone.fm/adchoices

Tackle Roth IRA strategies, dollar cost averaging, passive investing risks, strategic retirement withdrawals, and more. Whether you're planning early retirement or optimizing your current portfolio, Wes and Christa deliver actionable insights and answer listener questions, including: • Is Passive Investing Creating a Bubble? Are index funds inflating markets? Or do global diversification and ongoing price discovery demonstrate otherwise? Is it a mistake to dismiss all active strategies? • Roth IRA Allocation Roth IRAs often have the longest time horizon. Does that make them ideal for more aggressive, all-stock index fund investing? • How to Diversify an IRA After a Rollover Is it helpful to go beyond S&P 500 funds with mid- and small-caps? Treasuries? Corporates? REITs? Commodities? Energy pipeline investments? • Avoid Paying Roth Conversion Taxes from a Roth? Does it reduce long-term value to use Roth funds to pay taxes on a conversion? Is it okay to spread conversions over several years? • What Is Dollar Cost Averaging (DCA)? DCA can help reduce timing risk by investing consistently over time. Is it beneficial for large cash amounts and emotional ease? • Investing a Lump Sum? What About a 50/50 Split? Should you consider investing half up front and dollar cost averaging the rest over several months for balanced risk and reward? • Effective Withdrawal Strategy in Retirement Is it more strategic to pull from bonds/cash rather than stocks in down markets? • Should You Use Target Date Funds? They can be handy early in your career, but do some get too conservative by retirement age? • Is the Reverse Glide Path Worth It? Starting conservative and getting more aggressive later may look good on paper, but does its complexity overshoot its practicality in real life? Learn more about your ad choices. Visit megaphone.fm/adchoices

Geneva is the top destination for Switzerland's lump sum tax residents while Russians make up the largest applicant nationality pool.View the full article here.Subscribe to the IMI Daily newsletter here. 

Total Wealth & Wellness Radio

Investi con ⁠⁠⁠⁠Fineco⁠⁠⁠⁠, 60 trade gratis nei primi tre mesi con il codice TRD060-TB (#adv). Quali sono i migliori strumenti in cui tenere la liquidità a breve termine? Perché un ETF monetario non è un'alternativa ad un ETF obbligazionario? Perché tenere liquidità da parte da investire non è una buona idea. Vanguard, Lump Sum vs Cost Averaging N. Maggiulli, Even God Couldn't Beat Dollar Cost Averaging M. Statman, A Behavioral Framework for DCA =============================================== Investi con ⁠⁠⁠⁠⁠Fineco⁠⁠⁠⁠⁠, 60 trade gratis nei primi tre mesi con il codice ⁠⁠⁠⁠⁠TRD060-TB⁠⁠⁠⁠⁠ 4Books⁠⁠⁠⁠⁠ premium gratis fino al 31/05/2025 Investi con ⁠⁠⁠⁠Scalable⁠⁠⁠⁠, 3,5% di interessi sulla liquidità (*) (#adv) Naviga in totale sicurezza con ⁠⁠⁠NordVPN⁠⁠⁠ I link sono sponsorizzati e l'Autore potrebbe percepire una commissione. (*) fino al 31/12/2025, offerta valida per i nuovi clienti. Si applicano termini e condizioni. =============================================== ATTENZIONE: I contenuti di questo canale hanno esclusivamente finalità di informare e intrattenere. Le informazioni fornite sul canale hanno valore indicativo e non sono complete circa le caratteristiche dei prodotti menzionati. Chiunque ne faccia uso per fini diversi da quelli puramente informativi cui sono destinati, se ne assume la piena responsabilità. Tutti i riferimenti a singoli strumenti finanziari non devono essere intesi come attività di consulenza in materia di investimenti, né come invito all'acquisto dei prodotti o servizi menzionati. Investire comporta il rischio di perdere il proprio capitale. Investi solo se sei consapevole dei rischi che stai correndo. Learn more about your ad choices. Visit megaphone.fm/adchoices

On this week's Money Matters, Scott and Pat explore the benefits of tax-loss harvesting during volatile markets. Then, they're joined by Simone Devenny, Head of Private Wealth Strategies at Allworth, to dive into key financial strategies for entrepreneurs and business owners, including tax optimization, estate planning, and succession strategies. Finally, they answer listener questions on topics like lump-sum payments, Direct Indexing, and how to manage tax-deferred savings. Join Money Matters:  Get your most pressing financial questions answered by Allworth's co-founders Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking here.  You can also be on the air by emailing Scott and Pat at questions@moneymatters.com. Download and rate our podcast here.    

Join Faisal Karmali and Rob Gerrie for More Than Money as they talk with Bonnie-Jeanne MacDonald, Director of Financial Security Research, from the National Institute on Ageing about a new proposal called the Pension-Back Benefit which would see your estate get a lump-sum payment of your CPP if you die before you can start drawing it. Are there any dangers in choosing an executor of your will who doesn't live in your province or country? Faisal and Rob will chat with Erin Bury from Willful.co about what to think about before choosing an executor that doesn't live near you. And Retirement Coach and owner of Retire Ready Canada Jennifer Rovet will be on to talk about the importance of digital decluttering as you retire.See omnystudio.com/listener for privacy information.

Join Faisal Karmali and Rob Gerrie for More Than Money as they talk with Bonnie-Jeanne MacDonald, Director of Financial Security Research, from the National Institute on Ageing about a new proposal called the Pension-Back Benefit which would see your estate get a lump-sum payment of your CPP if you die before you can start drawing it. Are there any dangers in choosing an executor of your will who doesn't live in your province or country? Faisal and Rob will chat with Erin Bury from Willful.co about what to think about before choosing an executor that doesn't live near you. And Retirement Coach and owner of Retire Ready Canada Jennifer Rovet will be on to talk about the importance of digital decluttering as you retire.

"I've got the option to take a monthly pension or a one-time lump sum. The monthly option seems like a good idea, but I don't know if I'm missing something?" We're answering YOUR questions on this week's Get Ready For The Future Show!  Can you explain how to plan for RMD withdrawals and avoid unexpected tax hits? How can I set my kids up for financial success without putting my own retirement at risk? With potential inflation, market downturns, and possible changes to Social Security, how do I create a retirement plan that can handle all this uncertainty?  And if you've got a question you want answered on the show, call or text 501.381.5228! Or email your question to show@getreadyforthefuture.com!  Originally aired 4/16/2025 

Which is better, lump sum investing or Dollar Cost Averaging? Bottom line, neither is significantly better, although lump sum investing statistically wins slightly. The more important factor in you building wealth is that you invest consistently for the long-term!  Missing just the 10 best trading days between 2002-2022 would cut your returns by 50%. Don't play games when you know it's impossible to win. Just keep investing! Links from today's episode: Vanguard white paper on lump sum vs. DCA Military Money Manual blog post on this topic How to Time the Market World's Worst Market Timer (only investing at the peak) For a limited time, Spencer is offering one-on-one Military Money Mentor sessions! Get your personal military money and investing questions answered in a confidential coaching call. Our new TSP course is live! Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE! If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual or email podcast@militarymoneymanual.com. If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. I also offer a 100% free course on military travel hacking and getting annual fee waived credit cards, like The Platinum Card® from American Express, the American Express® Gold Card, and the Chase Sapphire Reserve® Card in my Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3. Learn how to get your annual fees waived on premium credit cards from American Express in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3. The Platinum Card® from American Express and the American Express® Gold Card waive the annual fee for active duty military servicemembers, including Guard and Reserve on active orders over 30 days. The annual fees on all personal Amex cards are also waived for military spouses married to active duty troops.

In this episode, Dr. Preston Cherry breaks down two popular ways to invest: dollar cost averaging (investing smaller amounts over time) and lump sum investing (putting all your money in at once). He explains how emotions like fear and regret influence our choices, and why understanding your own goals and risk tolerance is key. Backed by real data, this conversation helps you figure out which strategy might work best for you.Takeaways:• Mindset matters• DCA reduces risk• Lump sum wins long-term• Cash drag hurts returns• Know your goalsWant to learn more? Connect with us below!Stay informed and inspired! Join our FREE wealth & well-being newsletterDo you want confidence & clarity? Check out our award-winning wealth advice servicesGrab Your Copy of Dr. Cherry's book ‘Wealth In The Key of Life'Disclosure: episodes are educational only, not advice. Review our disclosures here: https://www.concurrentfp.com/disclosures/

UNDRAFTED ALLSTARZ SPORTS SHOW LIVE ON HOT7025FM.COM#WaayyyBiggerThanSports Topic Of The Week: - Anthony Edwards pays LUMP SUM CHILD SUPPORT

On this episode: Should your retirement income always come from the same place? Avoiding one of the biggest retirement mistakes. Many people who take a lump sum pension are out of money in 5 years. The main questions people are asking their financial advisors right now. Like this episode? Hit that Follow button and never miss an episode!

Send us a textNavigating Pension Choices: Lump Sum vs Monthly PaymentIn this episode of the 'Retire Early Retire Now' podcast, host Hunter Kelly, a Certified Financial Planner (TM)  from Palm Valley Wealth Management, discusses the crucial decision for those with pensions on whether to take a lump sum or monthly payment. With pensions becoming rare, Hunter examines factors like life expectancy, risk tolerance, investment potential, and tax implications in making this decision. He also shares a real client case study to illustrate the considerations involved. This episode equips high-income professionals with the knowledge to make informed retirement choices.00:00 Introduction to the Podcast00:16 The Decline of Pensions00:55 Pension Payment Options03:04 Calculating Your Pension05:17 Client Case Study: John and Jane06:38 Key Factors to Consider08:22 Breakeven Point Analysis12:35 Final Thoughts and Advice14:17 Conclusion and DisclaimersCheck out the Palm Valley Wealth Management WebsitePalmValleywm.comCheck us out on InstagramLinkedIn FacebookListen to the Podcast Here! AppleSpotify

Nick is joined by Lydia Hislop to discuss the latest from around the racing world. On today's show, Jon Pullin gives a detailed going report for the Festival plus watering so far; JJ Slevin tells us why Banbridge, Solness and Home by the Lee are all big players in the feature Grade Ones; plus, owner Ed Ware tells the story of his bumper hopeful Copacabana, as JP McManus reveals to the Racing Post that the horse is his only bet of the week so far. Also on today's show, Sam Thomas eyes the Imperial Cup bonus with Lump Sum and talks through his Festival runners, headed by the fancied Katate Dori, sportinglife.com's Dave Ord has Something for the Weekend, Thady Gosden tells Nick in Bahrain about tonight's King's Cup fancy Military Academy, and Justin Vermaak of Cape Sales is this week's Weatherbys Bloodstock guest.

Krystle passed out on the toilet and hit her head. Over the weekend JLR went to Ponderosa in Pennsylvania, Kroger in Sandusky, and Applebee's in Mentor. Jeffrey received a large lump sum in his paycheck.

Krystle passed out on the toilet and hit her head. Over the weekend JLR went to Ponderosa in Pennsylvania, Kroger in Sandusky, and Applebee's in Mentor. Jeffrey received a large lump sum in his paycheck.See omnystudio.com/listener for privacy information.

The Plant. Harvest. Prosper. podcast examines the best strategy between lump sum investing versus dollar cost averaging.

My pension won't be coming for quite a few years, but I'm trying to plan now what the best course of action should be when the time comes. Have a money question? Email us here Subscribe to Jill on Money LIVE YouTube: @jillonmoney Instagram: @jillonmoney Twitter: @jillonmoney "Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Total Wealth & Wellness Radio

Should you take a lump sum or pension payout? Use the 6% Test to help you decide. With markets hitting record highs, is it the right time to invest, or should you wait? History suggests some clues that retirement planning should not be left to chance. Wes Moss and Christa DiBiase provide crucial context by answering listener questions about 401(k) target date funds, beta vs. volatility, selling a business for retirement, mega backdoor Roth IRAs, and inherited IRAs. Learn more about your ad choices. Visit megaphone.fm/adchoices

Free Copy of My Book: Building Wealth In the TSP: Your Road Map To Financial Freedom as A Federal Employee: https://app.hawsfederaladvisors.com/free-tsp-e-book FREE WEBINAR: "The 7 Biggest FERS Retirement Mistakes": https://app.hawsfederaladvisors.com/7biggestmistakeswebinar Want to schedule a consultation? Click here: https://hawsfederaladvisors.com/work-with-us/ Submit a question here: https://app.hawsfederaladvisors.com/question-submission I am a practicing financial planner, but I'm not your financial planner. Please consult with your own tax, legal and financial advisors for personalized advice.

Dive into the latest economic trends and retirement strategies, breaking down essential financial topics. Can investing during market highs yield strong returns and counter the typical "buy low, sell high" advice? Explore the psychology of lump sum vs. pension decisions for federal employees, and examine a balanced investment approach in a bond market with higher interest rates. Learn the nuances of fixed-income investments, the benefits of locking in higher rates, and how bonds typically outperform cash in the long run. Wes Moss and Connor Miller cover all of this, plus some fun Super Bowl stats for happy retirees and beyond.

Suze explains what Value Cost Averaging investing is and how it’s different from Dollar Cost Averaging and Lump Sum investing. Could Value Cost Averaging be the right way for you to invest? Get out your Suze notebooks and find out! Jumpstart financial wellness for your employees: https://bit.ly/SecureSave Protect your financial future with the Must Have Docs: https://bit.ly/3Vq1V3GGet your savings going with Alliant Credit Union: https://bit.ly/3rg0YioGet Suze’s special offers for podcast listeners at suzeorman.com/offerJoin Suze’s Women & Money Community for FREE and ASK SUZE your questions which may just end up on the podcast. Download the app by following one of these links: CLICK HERE FOR APPLE: https://apple.co/2KcAHbH CLICK HERE FOR GOOGLE PLAY: https://bit.ly/3curfMISee omnystudio.com/listener for privacy information.

Craig from Wisconsin came into a lump sum of money recently and wants to know if he should lump sum invest it or use dollar cost averaging. We'll define lump sum investing vs. dollar cost averaging and decide which is better. Second, we're back with our Net Worth Win segment. This month, we're featuring Nicole Stanley from Massachusetts. Nicole and her husband Jake became a half millionaire couple at the age of 31! Listen up to hear how they did it. Last, my son Calvin will be reading the month's review and I'll quiz him with some money questions. We're talking about Black History Month, investing, and the Super Bowl ... with no Lions :( EPISODE RESOURCES: Sponsors + Partners + Deals Nicole Stanley (website): https://www.arise.financial/ MKM RESOURCES: MKM Coaching: Want 1-on-1 support with your family finance journey? Book a time with me today. Make My Kid a Millionaire Course: Want to build generational wealth and happiness for your kid? Learn more about my course! YouTube: Subscribe for free to watch videos of these episodes and interviews. Instagram: Follow our IG channel. Voicemail: Leave your questions or comments here. Merch Store: Check out our t-shirts, hoodies, and coffee mugs! SHOW INFORMATION:  Marriage Kids and Money is dedicated to helping young families build wealth and happiness. This award-winning platform helps couples and parents achieve financial independence and discover the true meaning of wealth.  To achieve these big goals, we answer questions and interview experts who uncover smart net worth building habits and tools that can help everyone find their own version of financial independence. Learn more at https://www.marriagekidsandmoney.com  HOST BIO:  Andy Hill, AFC® is the award-winning family finance coach behind Marriage Kids and Money - a platform dedicated to helping young families build wealth and happiness.  Andy's advice and personal finance experience have been featured in major media outlets like CNBC, Forbes, MarketWatch, Kiplinger's Personal Finance and NBC News. With millions of downloads and views, Andy's message of family financial empowerment has resonated with listeners, readers and viewers across the world.    When he's not "talking money", Andy enjoys being a soccer Dad, singing karaoke with his wife and relaxing in his hammock. HOW WE MAKE MONEY + DISCLAIMER: This show may contain affiliate links or links from our advertisers where we earn a commission, direct payment or products. Opinions are the creators alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. Marriage Kids and Money (www.marriagekidsandmoney.com) is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com. CREDITS: Podcast Artwork: Liz Theresa Editor: Podcast Doctors Podcast Support: Nev Maraj Learn more about your ad choices. Visit megaphone.fm/adchoices

In today's episode - Clark has new data on renting vs. buying in terms of long-term net worth and how renters can close the gap. Also, With Valentine's Day ahead, Clark has good news if you are in the market for jewelry, specifically diamonds. Changes in the marketplace mean deals.    Housing: Bridging The Net Worth Gap: Segment 1 Ask Clark: Segment 2 The Diamond Marketplace: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The median renter in America has a net worth of $10,400. The median homeowner's net worth is $400,000 Should You Take Your Pension in a Lump Sum or Monthly Payments? What Is a Fiduciary Financial Advisor and Do I Need One? Best Financial Advisors De Beers amasses biggest diamond stockpile since 2008 financial crisis Verizon administrative settlement payments are nowhere near $100. Here's why Should You Respond to Class-Action Lawsuits? How To Sell, Cancel or Get Rid of Your Timeshare Why Vacation Clubs Are Even Worse Than Timeshares Clark.com resources Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of 'Retire with Style', hosts Wade Pfau and Alex Murguia, are joined by Jason Rizkallah from McLean Asset Management. They continue answering your critical questions surrounding retirement planning, focusing on the nuances of choosing between lump sum and annuity options and asset allocation strategies for retirees. They explore the implications of having reliable income sources like pensions and Social Security, and how these can influence investment strategies. The conversation emphasizes the importance of understanding personal risk tolerance and the unique circumstances of each retiree when making financial decisions. This conversation delves into the complexities of retirement planning, focusing on guaranteed income sources, the implications of the 4% rule, and the nuances of liquidity in retirement funds. The discussion also covers the role of the Pension Benefit Guarantee Corporation, strategies for deciding when to start annuities, and the considerations surrounding frozen pensions and lump sum options. The importance of viewing these decisions within the broader context of an individual's financial plan is emphasized throughout. Listen now to learn more!   Takeaways Defined benefit pensions are becoming rare but still relevant in certain areas. Choosing between a lump sum and an annuity requires careful consideration of personal financial goals. Reliable income sources can allow for more aggressive investment strategies in retirement. Pensions and Social Security can be viewed as bond-like income streams. The Retirement Income Style Awareness (RISA) tool can help identify personal preferences for retirement income. Market downturns can significantly impact retirement plans, highlighting the need for careful risk management. Legacy considerations may influence investment strategies, but they are often secondary to ensuring a successful retirement. Guaranteed income can influence asset allocation decisions. Understanding liquidity is crucial for effective retirement planning. The Pension Benefit Guarantee Corporation can alter pension benefits. Frozen pensions may limit future benefits and require careful consideration. Lump sum options can provide flexibility but come with risks. Pension contributions can be counted as part of overall savings. Retirement decisions should be made in the context of a comprehensive financial plan. Chapters 00:00 Introduction to the Q&A Episode 04:57 Lump Sum vs. Annuity: Key Considerations 12:09 Asset Allocation: Stocks vs. Bonds in Retirement 22:53 Understanding Guaranteed Income and Asset Allocation 23:39 Evaluating the 4% Rule and Pension Value 25:23 Liquidity: Technical vs. True Liquidity in Retirement 29:11 Pension Benefit Guarantee Corporation: Implications for Retirees 32:34 Deciding When to Start Your Annuity 36:43 Navigating Frozen Pensions and Lump Sum Decisions 41:53 Counting Pension Contributions Towards Savings Rate     Links Want to find out your personalized retirement income style? Click here to take a free RISA: https://risaprofile.com/style/ The Retirement Planning Guidebook: 2nd Edition has just been updated for 2025! Visit your preferred book retailer or simply click here to order your copy today: https://www.wadepfau.com/books/  This episode is sponsored by McLean Asset Management. Visit https://www.mcleanam.com/retirement-income-planning-llm/ to download McLean's free eBook, “Retirement Income Planning”

Hello. My name is Joyce and I am trying to determine the best date to retire either december 31st or january 11th 2025 at the end of the last pay period. Just wanted to know the advantages of possibly waiting to retire at the end of the pay period. And if I would receive my annual lump sum and the January pension or would it start in February? Thank you in advance for your your help with this question. Thank you. Bye bye. - Joyce    https://zurl.co/L1MK1

Over the past four years I've received tens of thousands of questions about investing from viewers. I've assembled 9 of the most frequently asked questions in this video. Here they are:1. Should you pay off debt or start investing?2. How do I get started investing?3. Is 100% stocks a reasonable portfolio?4. S&P 500 vs Total Stock Market Index5. Why do I need international stocks?6. Should I invest in Bitcoin?7. How do you know when you can retire?8. Lump Sum vs DCA9. How can I increase my savings rate?Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...

Charlotte Greenway brings you a shortened version as the final episode before Christmas and is joined by Fergal O'Brien to reflect on Crambo's success as Ascot on Saturday in the Long Walk Hurdle. Then onto the action over the festive period where Joseph O'Brien explains the jockey booking of Paul Townend aboard Banbridge before we hear from James Owen on how and if Burdett Road can serve it up to Constitution Hill and Lossiemouth in the Christmas hurdle whilst Sam Thomas looks at the same race from the perspective of his runner Lump Sum as well as running through his Aintree and Welsh National runners.

In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions! --- ⭐️ Open a Bond Account on⁠⁠⁠ ⁠⁠⁠⁠Public⁠⁠⁠⁠⁠⁠⁠ to lock in your 6% or higher yield today,⁠⁠⁠ ⁠⁠⁠⁠Click Here!⁠⁠⁠⁠⁠⁠⁠ ---

I took a lump sum pension payout and now I'm responsible for managing the money, which has me a bit worried. Have a money question? Email us here Subscribe to Jill on Money LIVE YouTube: @jillonmoney Instagram: @jillonmoney Twitter: @jillonmoney "Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

In this episode of the Friday Q&A, Jacob discusses a listener's dilemma of choosing between taking a lump sum or opting for a monthly pension in retirement. With a detailed inquiry involving health concerns, survivor benefits, and financial flexibility, the discussion delves into various factors such as fixed income, monthly expenses, Social Security benefits, and personal circumstances like employment status and legacy planning.———————————————————————————Book a free consultation to get started today

Have you ever received a lump sum of money, and then frittered it away? We receive a listener question about what to do with a sizeable amount of money. This episode is for you if you've ever had a work bonus, an inheritance, a large payout or other mass of money, or you might be getting one in the future.    For more information on Transformation Weekend, check out www.transformationweekend.ca.  _______________________________

In today's blog post, we explore the insights Bruce and I shared while answering listener questions about building a self-sustaining financial system for yourself and your family through the power of whole life insurance, structured for infinite banking. This is more than insurance—it's about giving you control and freedom. https://www.youtube.com/live/637N4E8L-Xg The concept of infinite banking allows you to use whole life insurance as your personal financing system. This isn't about just saving or avoiding debt; it's about creating a powerful, self-sustaining reservoir of capital that can grow and work for you. Think of it as a financial ecosystem where you have complete control. But it's more than that. Infinite banking means creating the discipline and long-term mindset to build lasting wealth. Whether you want to understand lump-sum premium payments or how to structure your policy best, let's jump in and answer your most pressing questions. Why Lump Sum Payments Aren't Always the Best StartWhy Behavior is More Important Than Policy DesignShould You Choose Custom Whole Life or Ordinary Life Policies?Finding the Right Policy Structure and PartnerThe Benefits of Infinite Banking for Your Financial FutureBook A Strategy Call Why Lump Sum Payments Aren't Always the Best Start One of the most common questions we receive is whether it's better to pay a single large sum into a whole life insurance policy or fund it gradually over time. Many people think that a big upfront payment will jumpstart growth. However, a one-time lump sum can cause a policy to fail the Modified Endowment Contract (MEC) test, meaning you lose valuable tax advantages. Instead, a steady funding approach builds lasting value without losing the tax benefits. When you fund a policy gradually, it allows the policy to grow with a solid base and maintain a steady death benefit. The key is to structure the policy to be self-sustaining, with dividends and interest paying ongoing costs over time. With gradual funding, you're setting the foundation for uninterrupted growth—one of the most powerful aspects of infinite banking. Why Behavior is More Important Than Policy Design The most well-designed policy won't help you if you don't have the right mindset and habits. A lot of people get caught up comparing policy designs, thinking the right combination of premium and paid-up additions (PUA) is all they need. But the reality? Your financial behavior matters more. Infinite banking only works if you're disciplined. This means consistent funding, even when times are tough. It's about committing to growth for the long term. Think of it as planting a forest: the trees don't grow overnight, but over time, they create something truly sustainable. Your financial journey is similar—staying consistent, resisting the urge to draw down early, and trusting the growth process is what builds true wealth. Should You Choose Custom Whole Life or Ordinary Life Policies? With so many options out there, it's easy to feel overwhelmed. For instance, should you choose a “paid-up” whole life policy that requires only short-term funding, or go with a traditional policy that you pay into your entire life? The short answer is that **the best policy depends on your goals and cash flow**. Paid-up policies (often designed to be fully paid in 10 or 20 years) allow you to stop funding at a certain point, but these policies tend to have higher premiums. If you're able to keep paying into a policy over time, you can achieve incredible cash value growth without a massive initial outlay. And the longer you fund your policy, the more powerfully the compounding effect works in your favor. Think of it like rolling a snowball: the longer you roll, the bigger it gets. Infinite banking is a long-term game; funding as long as possible amplifies the rewards. Finding the Right Policy Structure and Partner When it comes to choosing a whole life insurance policy ...

It's the Saturday Edition with Charlotte Greenway and this week ahead of the fighting fifth, we hear from Sam Thomas who weighs up whether Welsh Champion Hurdle winner Lump Sum can play his part and serve it up to the big two at Newcastle tomorrow afternoon. Then it's onto Newbury where the focus is Saturday's Coral Gold Cup and this episode features interviews with Jamie Snowden (Colonel Harry); Paul Nicholls (Kandoo Kid); Ben Pauling (Henry's Friend); Noel George (General en Chef); Joe Chambers (Horantzau D'Airy); Eddie Harty (Grandero Bello) and finally Henry de Bromhead (Senior Chief), who also discusses his two key runners in the Grade 1 Drinmore Novice Chase at Fairyhouse on Sunday.

Nick is joined by Racing Post senior writer Lee Mottershead to discuss the latest from around the racing world. They lead with the news that Grey Dawning may yet make the King George at Kempton having emerged well from his Haydock exertions. Also on today's show, Sam Thomas looks ahead to the Fighting Fifth with rising star Lump Sum, while Timeform's Dab Barber considers the Gold Cup and Champion Hurdle divisions in light of last weekend. Nick talks to Shirley Anderson-Jolag about becoming the first woman to take to the rostrum at Tattersalls, while Coolmore Australia's Tom Magnier is our Weatherbys Guest and has news of exciting sprinters set to tackle Royal Ascot next year. Debbie Kepitis shares her joy at Winx's latest offspring, while JA McGrath has a bulletin from Hong Kong, and Romantic Warrior's trainer Danny Shum joins with an update ahead of next weekend's big races.

Nick is joined by Racing Post senior writer Lee Mottershead to discuss the latest from around the racing world. They lead with the news that Grey Dawning may yet make the King George at Kempton having emerged well from his Haydock exertions. Also on today's show, Sam Thomas looks ahead to the Fighting Fifth with rising star Lump Sum, while Timeform's Dab Barber considers the Gold Cup and Champion Hurdle divisions in light of last weekend. Nick talks to Shirley Anderson-Jolag about becoming the first woman to take to the rostrum at Tattersalls, while Coolmore Australia's Tom Magnier is our Weatherbys Guest and has news of exciting sprinters set to tackle Royal Ascot next year. Debbie Kepitis shares her joy at Winx's latest offspring, while JA McGrath has a bulletin from Hong Kong, and Romantic Warrior's trainer Danny Shum joins with an update ahead of next weekend's big races.

Welcome to the first episode of Five Question Friday (FQF). I'll answer five questions from past live shows that we didn't get to. Today, we're covering the following questions:1. Is the 6% Rule on Lump Sum vs Pension Reasonable?2. What will my stock/bond allocation be when I reach 65?3. How do you decide between a Roth Conversion and 0% Capital Gains Harvesting?4. What's the best credit card for travel?5. Should an early retiree pay off their low-rate mortgage?Kitces Article: https://www.kitces.com/blog/navigatin...CFPB Pension Article: https://files.consumerfinance.gov/f/2...Fidelity Pension Article: https://www.fidelity.com/learning-cen...Travel Credit Cards: https://www.allcards.com/travel-rewar...Cash Back Credit Cards: https://www.allcards.com/best-cash-ba...Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...

My mom is about to receive a nice chunk of cash, but we're not sure what to do with the money and how to allocate the funds during her retirement. Have a money question? Email us here Subscribe to Jill on Money LIVE YouTube: @jillonmoney Instagram: @jillonmoney Twitter: @jillonmoney "Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

We recently found out that my husband, thanks to his job, will be coming into a large chunk of money. What should we do with it?Have a money question? Email us hereSubscribe to Jill on Money LIVEYouTube: @jillonmoneyInstagram: @jillonmoneyTwitter: @jillonmoneySee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Today's mandatory arbitration abuses trace back to a law passed a century ago, repeatedly upheld to deny citizens their right to a day in court. Clark shares yet another case in point. Also in this episode- open enrollment is an opportunity to choose among health care plans which offer one of Clark's favorite tools for long term financial security. Should you opt for an HSA - Health Savings Account?  Mandatory Arbitration: Segment 1 Ask Clark: Segment 2 The Case For HSAs: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How Long Should I Save Pictures of My Car Rental? Military and Veterans Guide: Free Resources for Your Finances Where Should I Set Up My Health Savings Account (HSA)?- Clark.com What Is an HSA Account and How Does It Work? Should You Fund Your IRA at Once or Steadily Contribute Throughout the Year? Should I Invest a Lump Sum at Once or Through Dollar-Cost Averaging? Refunding Fees for Delayed Checked Bags and Ancillary Services File a Consumer Complaint | US Department of Transportation Elliott Report: Home What Luggage Does Clark Howard Recommend? 4 Things You Should Always Pack in Your Carry-On Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Did you hear about the clever woman who sent an AirTag to herself to catch a mail thief? These devices are proving handy for a lot of reasons. Also, what is the best energy source we have in the United States? That's a trick question. Clark explains.  Tracking Devices: Segment 1 Ask Clark: Segment 2 American Power Production: Segment 3 Ask Clark: Segment 4 Mentioned on the show: California woman fed up with stolen mail sends Apple AirTag to herself to catch thief Best 529 College Savings Plans By State What To Do With a Lump Sum, Inheritance or Windfall What Are Index Funds? 10 Ways To Save Money on Car Insurance WSJ: More Th an 40% of World's Electricity Came From Zero-Carbon Sources in 2023 How To Get a Free Credit Report / How To Monitor Your Credit Credit Karma Review: Free Credit Score and More at Your Fingertips How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion Should You Make Your Child an Authorized User on Your Credit Card? How To Buy a Used Car Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

This week, listeners want to know: how to manage health care and 401(k) investing after a layoff, the best cadence for investing (weekly or lump sum?) and how can couples with income differences manage money equitably? Learn more about the So Money Members Club here.