Podcasts about Medicare

January doesn't have to start with a financial overhaul. In this special Ask Farnoosh episode, Farnoosh shares why easing into the new year, rather than rushing to reset everything, can lead to better money decisions.She reflects on how she's approaching 2026, what typically happens in the markets at the beginning of the year, and why January is a powerful time to slow down, learn, and reconnect with what matters most. From there, Farnoosh breaks down the week's biggest money stories, including shifting grocery prices, growing anxiety in the housing market, canceled home purchase deals, the return of student loan wage garnishment, and new data suggesting homeownership may feel out of reach for more Americans.The episode also highlights two recent conversations on So Money — with David Bach on building wealth through simple, consistent habits, and with Terri Trespicio on the importance of writing as a practical career skill.Listeners then get answers to thoughtful questions about opening a new credit card after securing a HELOC, what it really means when entrepreneurs say they “didn't pay themselves,” how HSAs work after enrolling in Medicare, and where to safely keep a $20,000 gift intended for a future home purchase. Hosted on Acast. See acast.com/privacy for more information.

Diagnosed at 63, Brenda battles incompetent doctors and self-teaches LADA management. Tune in to discover the absurd medical advice and feisty encounters behind the title "Squooshie Pushie." Go tubeless with Omnipod 5 or Omnipod DASH * Dexcom G7 CONTOUR NextGen smart meter and CONTOUR DIABETES app Get your supplies from US MED  or call 888-721-1514 Tandem Mobi  twiist AID System Free Juicebox Community (non Facebook) Type 1 Diabetes Pro Tips - THE PODCAST Eversense CGM Medtronic Diabetes Drink AG1.com/Juicebox Touched By Type 1 Take the T1DExchange survey Use code JUICEBOX to save 40% at Cozy Earth  Apple Podcasts> Subscribe to the podcast today! The podcast is available on Spotify, Google Play, iHeartRadio, Radio Public, Amazon Music and all Android devices The Juicebox Podcast is a free show, but if you'd like to support the podcast directly, you can make a gift here or buy me a coffee. Thank you! * The Pod has an IP28 rating for up to 25 feet for 60 minutes. The PDM is not waterproof. Among all paid Omnipod 5 G6G7 Pods Commercial and Medicare claims in 2024. Actual co-pay amount depends on patient's health plan and coverage, they may be higher or lower than the advertised amount. Source IQVIA OPC Library. Disclaimer - Nothing you hear on the Juicebox Podcast or read on Arden's Day is intended as medical advice. You should always consult a physician before making changes to your health plan.  If the podcast has helped you to live better with type 1 please tell someone else how to find it!  

In this interview recap, Lesley and Brad explore June Suepunpuck's insights on joy, identity, and the courage it takes to pause and reassess the life you're living. They reflect on career versus calling, destination addiction, and the role grief plays in meaningful transformation. This episode is a reminder that sustainable joy grows from self-awareness—and the willingness to be honest with yourself.If you have any questions about this episode or want to get some of the resources we mentioned, head over to LesleyLogan.co/podcast https://lesleylogan.co/podcast/. If you have any comments or questions about the Be It pod shoot us a message at beit@lesleylogan.co mailto:beit@lesleylogan.co. And as always, if you're enjoying the show please share it with someone who you think would enjoy it as well. It is your continued support that will help us continue to help others. Thank you so much! Never miss another show by subscribing at LesleyLogan.co/subscribe https://lesleylogan.co/podcast/#follow-subscribe-free.In this episode you will learn about:Understanding the why behind the dream and its impact on fulfillment.The difference between building a career and honoring a calling.Why addressing grief is a necessary part of finding real joy.How to identify one good thing about today even when you're struggling.How to actively question whether the life you are living brings you joy.Episode References/Links:Pilates Journal Expo - https://xxll.co/pilatesjournalCambodia Retreat Waitlist - https://crowsnestretreats.comAgency Mini - https://prfit.biz/miniContrology Pilates Conference in Poland - https://xxll.co/polandContrology Pilates Conference in Brussels - https://xxll.co/brusselsPOT in London - https://xxll.co/potHow To Find Joy Podcast - https://howtofindjoy.buzzsprout.comJune Suepunpuck's Website - https://www.joyguidejune.comSubmit your wins or questions - https://beitpod.com/questionsOnline Pilates Classes on Youtube - https://www.youtube.com/@OnlinePilatesClassesEpisode 559: David Corbin - https://beitpod.com/ep559 If you enjoyed this episode, make sure and give us a five star rating and leave us a review on iTunes, Podcast Addict, Podchaser or Castbox. https://lovethepodcast.com/BITYSIDEALS! 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DEALS! https://onlinepilatesclasses.com/memberships/perks/#equipmentCheck out all our Preferred Vendors & Special Deals from Clair Sparrow, Sensate, Lyfefuel BeeKeeper's Naturals, Sauna Space, HigherDose, AG1 and ToeSox https://onlinepilatesclasses.com/memberships/perks/#equipmentBe in the know with all the workshops at OPC https://workshops.onlinepilatesclasses.com/lp-workshop-waitlistBe It Till You See It Podcast Survey https://pod.lesleylogan.co/be-it-podcasts-surveyBe a part of Lesley's Pilates Mentorship https://lesleylogan.co/elevate/FREE Ditching Busy Webinar https://ditchingbusy.com/Resources:Watch the Be It Till You See It podcast on YouTube! https://www.youtube.com/channel/UCq08HES7xLMvVa3Fy5DR8-gLesley Logan website https://lesleylogan.co/Be It Till You See It Podcast https://lesleylogan.co/podcast/Online Pilates Classes by Lesley Logan https://onlinepilatesclasses.com/Online Pilates Classes by Lesley Logan on YouTube https://www.youtube.com/channel/UCjogqXLnfyhS5VlU4rdzlnQProfitable Pilates https://profitablepilates.com/about/Follow Us on Social Media:Instagram https://www.instagram.com/lesley.logan/The Be It Till You See It Podcast YouTube channel https://www.youtube.com/channel/UCq08HES7xLMvVa3Fy5DR8-gFacebook https://www.facebook.com/llogan.pilatesLinkedIn https://www.linkedin.com/in/lesley-logan/The OPC YouTube Channel https://www.youtube.com/@OnlinePilatesClasses Episode Transcript:Lesley Logan 0:00  You learn from what you did, and you do better the next time. And we have to allow for that, and we can't be so afraid of people who could take advantage on either side that we don't do anything at all. Lesley Logan 0:11  Welcome to the Be It Till You See It podcast where we talk about taking messy action, knowing that perfect is boring. I'm Lesley Logan, Pilates instructor and fitness business coach. I've trained thousands of people around the world and the number one thing I see stopping people from achieving anything is self-doubt. My friends, action brings clarity and it's the antidote to fear. Each week, my guest will bring bold, executable, intrinsic and targeted steps that you can use to put yourself first and Be It Till You See It. It's a practice, not a perfect. Let's get started. Lesley Logan 0:50  Welcome back to the Be It Till You See It interview recap where my co-host in life, Brad, and I are going to dig into the delightful convo I had with June Suepunpuck in our last episode. If you haven't yet listened to that interview, feel free to pause us now go back and listen to that one. Brad was obsessed with it. He interrupted my work three times a day to tell me how much he appreciated it. So you should go listen to it and then come back and join us, or keep listening and then go listen to that one. Lesley Logan 1:15  Today is January 8th 2026, and it's War on Poverty Day. Brad Crowell 1:20  War on Poverty Day. Lesley Logan 1:21  Okay, ready for it. Annually, on January 8th, we reflect on the impact of the legislation first introduced in 1964 by President Lyndon B. Johnson that collectively expanded economic opportunity through anti poverty, health, education, employment policies. I mean, we can't cosign on this more, I think. Lyndon B. Johnson's War on Poverty was primarily established by the Economic Opportunity Act of 1964.Brad Crowell 1:46  This is a this is a bit nerdy here, but there's a reason to give a little (inaudible). So the EOA.Lesley Logan 1:51  We're gonna rant in a second with some of you like that. But we got to get you on the same page with us. So created the Office of the EO,Brad Crowell 1:59  the Office of Economic Opportunity. So the EOA was the Act created the OEO. So the Office of Economic Opportunity. Lesley Logan 2:07  I guess I thought it was in a office of, like, OEC, but anyways, I don't know what I'm talking about. So I could never work in government, because I get confused with the letters real quick. So Office of Economic Opportunity, OEO, that's like a song, oh, e, o, oh. Anyways, to oversee new programs, I did not take my focus meds today. Key initiatives include the job corpse head. Key initiatives included the Job Corps, Head Start and community action programs, along with funding for vocational training, college work study and local development. Subsequent legislation and programs expanded on this foundation, including the permanent Food Stamp Act of 1964 and the passage of Medicare and Medicaid in 1965.Brad Crowell 2:31  Yeah, so it's possible that you might have heard of the Job Corps. You probably heard of Head Start. You may or may not have heard of community action programs, but you've definitely heard of food stamps, and you've definitely heard of Medicare and Medicaid, right? So all of these came out of LBJ's, War on Poverty program, which included the Economic Opportunity Act of 1964 and.Lesley Logan 3:08  And if you have, if you're not, if you never had experienced like food stamps or Medicare or Medicaid, right? Medicaid is for the babies and Medicare is when you're older, if I'm correct, if you haven't ever had experienced that it might be really easy to not know how people are served by that, how much they're served by it, like, how do they get that? And so if you have any reasons to go, I can't believe they're paying this much on food stamps, I highly educate would educate yourself on how hard people have to work to get these things.Brad Crowell 3:33  Well, we're talking about, we're talking about poverty here. Right? And so, you know, the reality is that it's a it's, it's actually really, really challenging to get out of poverty. Right, 10% of our country currently 11, it's moving up to like 11% or something, is in the place where we would consider them in poverty.Lesley Logan 3:51  Yeah. And if you want to know what that is, I think the US government considers you in poverty if you make under $20,000 as an individual, which, by the way, is $0 like that. How I don't even know where you're living, that you can afford the food at the grocery store and gas and any part of life. So you know, if you are in that place, a lot of people are working full time jobs ending poverty. Brad Crowell 4:15  For a family of four in in the United States in 2025 the Federal Poverty Level is an annual income of $32,150 or less. Lesley Logan 4:24  How do you feed how do you feed four mouths on that amount of money? Brad Crowell 4:24  For the whole year. Lesley Logan 4:24  Yeah, I don't even understand that. Brad Crowell 4:24  Like that's enough for the food. What about. Lesley Logan 4:24  Well. And then we, and then there's these people have the nerve to tell those people, well, they should just eat healthier. How are you affording lettuce and eggs on that amount of money? And then also. Brad Crowell 4:40  You're able to afford a fast food meal because it's $1. Lesley Logan 4:43  Because it's $1. Brad Crowell 4:44  And that's why it's crap.Lesley Logan 4:45  Yeah, so let me just finish our notes, and then we can (inaudible). One definition of poverty is not have enough resources for your basic needs, and it's a huge impact on people's lives in society. It's a huge impact on society. People think all the time like, oh, I don't want to pay for immigrants to have health care. Well, you don't, but you certainly pay when they go to county, when you go to them, they go the hospital, you pay. So, like, we have, we, I actually don't think a country can be rich if you have all.Brad Crowell 5:09  Let's just make a distinction there. We're not paying for, we're not paying for immigrants to have health care, in the sense of, like, are they on insurance going to the doctor. If they go to the emergency room, yes, right, if they go to jail, yeah, we're paying for that, too. Lesley Logan 5:25  And by the way, if you were traveling a different country that happens to have healthcare for all of their people, you also don't pay like my friend, yeah, as a visitor, my friend had an emergency surgery. They fell in the Netherlands in a race, and they did this crazy surgery that would have costed her so much money, no bill. Anyways, that's another day, another day's holiday. So recent studies show that suggests that the poorest states have a poverty rate of up to 18%. I think we can guess what states those are. Poverty can happen to anyone. This is very important. Poverty can happen to anyone, whether it's students who rely on scholarships to claim their right to education, seniors struggling with rising health care costs, or large families struggling to get food on the table. Poverty is a problem that over 40 million Americans are fighting against on a daily basis, and we'll just say as of 2024 we were down to 10.6% from 19% of our country beneath the poverty line in 1964.Brad Crowell 6:18  Yeah, so in 1964 so effectively, like, if you go back and look at the 30s, where there was the Great Depression, they did all of these government programs to help the country, because everything was in the toilet, right? Well, 30 years later, in the 60s, there was a 19% poverty rate, and it was a problem. And so how could they address these problems? They they put into like, that's how LBJ ran on the war on poverty, and he started to implement these things to support the country, right? And it's taken a long time for us to get down to 10% poverty, 10 and a half percent, yeah, you know. And that was what was happening as of last year. And now things are shifting in the wrong direction. Lesley Logan 6:57  Yeah. And there. And also, by the way, we were, we were recording this before the Thanksgiving holiday. And so what we do know is, on January 1st, everyone's healthcare bills are going up. Ours, we are very lucky that ours only went up 3000 for the year, for the two of us.Brad Crowell 7:09  Yeah, it's, well, it's 25%. Ours went up 25%.Lesley Logan 7:12  Yeah, that is insanity. That is insanity. And can we afford it? Sure, we're just gonna invest less in our retirement, I guess. Like, you know, it's not like, it's that money just doesn't come from somewhere. And what I also know is that there are people in certain states that theirs is going up 48%, and some people are making $85,000 a year. Their health insurance is going to cost $44,000 a year. So we're going to see poverty go up. And if we don't start thinking about it as a way that, like, I think that a lot of people think about people taking like they get these things, and they're taking from the government, and that's coming from your tax dollars. But if we don't help people get ahead, they will always be taking in different ways, right? And so your crime will go up. Why? Because people have to sleep and eat and be warm like they just have to. So we have to think of it as a holistic thing. And I really think that I love what LBJ did, and I love that we're honoring this. And I think like we could be doing so much better by now. I feel like if LBJ was alive, I would hope he'd be disappointed that we don't actually have preschool for every child in the US for free, like Head Start in Vegas, my nail tech, it's a lottery. So some of her kids got Head Start, and some of her kids didn't. And she's like, Lesley, I can tell you a difference in my children my kids can read levels above where their greatest and some of them are behind and and she's like, I can't, I can't teach them that that's not something I didn't teach them, that they learned that at school when they got to earlier. So I just think that we could be doing a better job, and especially, like, we should be thinking about people who'd have less than us and not, how do we give them more? Like, yes, any more money, but how do we actually set them up so that they can do other things? They need trainings, they need childcare. They need it to be they need busses to be free, you know, like, there's just different things we can do. So anyways.Brad Crowell 8:58  Yeah, it's that this is this is a tough thing, you know, like, if you look at the I'm not going to keep going, because I could keep going on. But this, this is definitely a challenging thing. I'm, you know, I'm glad that we have attempted to address it over the years. I don't admit, I don't, I can't, I can't convincingly say that we've done an amazing job of the process of doing it, you know, like, but I, but I think the intention is the right intention, and we should be always looking for ways to make it better. Lesley Logan 9:22  And also, I think, you know, that's exactly the right line, like we're just always looking for ways to make it better, you're going to have people who are going to have nefarious acts that they're using the money for or not doing it correctly. You cannot always be thinking only about those people, because they're always a small percentage. You have to be thinking about the greater good. And then when you figure out how people are usurping the system or doing different things. Okay, you make changes.Brad Crowell 9:43  Well, let's, let's talk about this like I think this is important, because there's always going to be someone taking advantage of the system. But I think even defining it as a percentage seems misleading, because I would imagine the numbers are minutes. We're talking 40 million people in the United States are considered poverty line or below. 40 million people. So even if 10,000 people are taking advantage of it, that sounds like a lot of people, but the percentage is microscopic compared to 40 million.Lesley Logan 10:05  Correct. And also, I wasn't even thinking about the people like this is, right, I think people are thinking about the people on food stamps or whatever, like the Reagan years of all that disgusting rhetoric, but I was actually thinking about, like, the companies that are pretending to help people, to get the government money to do these things, I was actually thinking about like, you know, there are people who can say, Oh, I'm going to do these things with this program and get that money, but I think you just you, you learn from what you did, and you do better the next time. And we have to allow for that, and we can't be so afraid of people who could take advantage on either side that we don't do anything at all? Brad Crowell 10:43  Yeah. Okay, well, hey, thanks for joining us on that journey. That was a journey, that was a history lesson. Lesley Logan 10:48  I just get really upset about this. I was poor. I was so poor, you know. And I was, I guess I was lucky that my parents weren't on any of these stamps, whatever, because they had family to help. But, like, this is how my life started, so I can't even imagine, was, like, if they didn't have that help.Brad Crowell 11:02  Yeah, yeah. Well, I appreciate your passion, and I think it's important. I love it. I really do. I mean. Lesley Logan 11:09  Well, I mean, like, I would, I would not have gone to college had my best friend's parents not cosign a student loan. You know, like, I happen to have those people, and that's why I get to be where I am today. So I'm, I think that, like, I think a lot of people don't realize how close they were growing up, or people in their lives were to being poor, like impoverished. So, January, hi.Brad Crowell 11:30  Let's talk about upcoming events. We're shifting gears. Lesley Logan 11:33  We're home, today we're home. Brad Crowell 11:34  It's January. Today is the eighth we just we are pulling in from tour tonight. Lesley Logan 11:39  We are fixing the roots, changing the nails. Well, they're my nails, but they're getting new they're getting an update.Brad Crowell 11:45  Yeah. And then tomorrow. Lesley Logan 11:45  We drive down to Huntington Beach. Brad Crowell 11:45  We hit the road again. Lesley Logan 11:46  We're leaving Bayon, we're leaving Bayon, and we're we're driving to Huntington Beach for the Pilates Journal Expo. You can go to xxll.co/pilatesjournal. I don't know why I stuttered there, but I thought I said them. That's completely wrong. xxll.co/pilatesjournal. So if there's any spots left, you should totally join us there. There's like, the lineup is insane. Brad Crowell 12:08  Yeah, it's gonna be awesome. Lesley Logan 12:09  The lineup's insane. Then, oh, you know what? We'll tell you this, but I'm pretty sure tomorrow it releases. So you want to get on the waitlist for next year's Cambodia retreat, because.Brad Crowell 12:20  No, this year's. Lesley Logan 12:21  This year's, oh, it's this year. Well, you need to change that copy, my friend. You want to get on the waitlist for this year's Cambodia retreat details. We'll be having early bird presale right now. In fact, if my memory serves me correctly, it starts tomorrow, but only for those on the waitlist, crowsnestretreats.com is where you go. Brad Crowell 12:40  I thought it was the 12th, but it could be the ninth. Lesley Logan 12:43  I think it's the ninth. Brad Crowell 12:44  Anyway, get on the waitlist, crowsnestretreats.com you'll find the waitlist there. Lesley Logan 12:46  This is what happens when we're recording early. Okay, then next month we have Agency Mini. It'll be happening this year's February, and you want to get on the waitlist for that, for it prfit.biz/mini who is it for? It is for the teachers, Pilates teachers and studio owners who work for themselves or want to, and they want to have ease in their business, without the overwhelm, and they actually want to be in control of things and not feel like they're always like reacting, because that's annoying in the business. So pfit.biz/mini we only are doing Mini, I don't know, maybe twice this year, but for sure, one. Brad Crowell 13:17  The plan, the plan is two times in 2026. Lesley Logan 13:19  Okay, great. Well, you don't want to miss this one. You'll go, oh, I'll do the next one because that could be, that could be the fall. I don't even know what it's going to be. Oh, it's going to be the fall. We could find out on the flight.Brad Crowell 13:26  Yeah, end of Q3 beginning of Q4. Lesley Logan 13:30  And then. Brad Crowell 13:30  So, but the point is this, why wait another six months? It's, we're talking it's early it's going to be early bird. Lesley Logan 13:38  By the way, it's only $25 when it's early bird, and it's $65 full price. If what we teach you makes you an extra. Brad Crowell 13:43  $25 Lesley Logan 13:46  Over six months. No, I was gonna say, do the math like, okay, six months is what? 26 weeks? 26 weeks, right? 24 weeks this I'm not a mathematician, so 24. Let's say, let's just say, all we do is make you an extra $100 a week. That's $2,400 you're fucking welcome, for 25 bucks go to prfit.biz/mini then in March, Brad and I are taking off to Europe for a month. I'm teaching the Poland Controlology Pilates conference with Karen Frischmann, xxll.co/poland and then the next week, where Karen and I are in Brussels. Brad's joining us along for the ride. xxll.co/brussels we're super excited about both events are selling really fast. I think our sessions are very much taken in Brussels, but there might be some spots left in Poland and then, okay, we've been saying, like, I don't know if we can announce it yet. I don't know. Well, here's what I do know. As of December 2nd, it was official to announce that we were going to be in London. So it's a few can now buy your ticket. And I don't know if the early bird is happening still or not, because I don't know anything, but I do know we'll be there. And I have workshops, I have a booth, you going to want to go to xxll.co/pot, so go there. Okay. Brad Crowell 15:00  Awesome. Lesley Logan 15:00  We have an audience question. I promise not to take too long.Brad Crowell 15:02  We sure do. Yeah. Instagram, (inaudible) reached out asking if OPC has a certificate of training online, and she said she wants it to be a Pilates instructor, mostly for knowledge. So she's not trying to be a teacher. She wants it as a practitioner to know specifically for herself. Do we have any recommendations? Lesley Logan 15:24  Well, I love this question, because I always want to do this with Anthony for yoga, like I always wanted him to teach a yoga training, but just for people who just wanted to learn it better and not be a teacher, because almost every teacher training that I've ever heard of in life is going to teach you how to teach it. And so what I would say is I don't know of a program that does that, especially online, that's going to be solid that I know about. I know that the Pilates Center out of Boulder does have online trainings, but again, they're going to train you to teach it, and there's going to be requirements for you to teach it. So what I would probably also just encourage you to do, because this is something that I realized now that we've trained with Anthony for over 10 years, is that the more you just do classical Pilates with us at OPC, you will become more educated and knowledgeable about the practice, especially for your body. So what I would actually suggest, and I know this sounds like a shameless plug, but seriously. Now at OPC, we follow Joseph Pilates' orders on all the pieces of equipment. And yes, there's other equipment that we don't talk about in OPC classes, but you can always ask us about them. And you can take advantage of the FFF and submit videos of you doing exercises, and I will give you specialized feedback for your practice so you're more knowledge about your body. You can come to the live class every month, and ask questions for your practice, and I will answer that for your body, and you can get the flash cards. So you do those things.Brad Crowell 16:46  So do, do we have a certificate of training online? No, but I don't know that you need one the tools that we've created will will support you in your goal, yeah, which you know we're assuming is to further your personal practice. Lesley Logan 17:01  And if you're like, I don't want to pay you a dime, LL, great. Our YouTube videos are free. Go have fun. You can do it between the flash cards and the YouTube videos. You can really understand it for your practice. You don't need to pay thousands of dollars for training where you only want half of the information. That's what I would do. If you would like to ask me a question. You can go to 310-905-5534, you can text us, call us, or you can go to beitpod.com/questions and send one in. Brad Crowell 17:24  Love it. Lesley Logan 17:25  And you can send your win in because I really love seeing those. All right. Brad Crowell 17:29  Stick around. We'll be right back.Brad Crowell 17:31  All right, now, let's talk about June Suepunpuck. Okay, June is a joy guide. She's a speaker, and she's the host of the How to Find Joy Podcast. She helps high achieving, heart-led leaders who have reached the top and still find themselves asking, is this it? Or what's the point? With a background in psychology and tools like human design and nervous system healing, June guides people through the process of reassessing their goals, addressing destination addiction of finding fulfillment in daily life rather than in the next achievement. This conversation lit me on fire because I, I'm I'm telling you, we've had a handful of other guests that talked about joy, and we had the doctor who was doing the research on it, and I was, like, really intrigued by that, but I don't know this. I really connected with the way that she talked and spoke and the things that she dug into. So I'm very excited to discuss this. So tell me what you loved about this convo.Lesley Logan 18:33  Okay, so we, I mean, there's so many different things, but like, I really love that she found a way to articulate the difference between, like, a career versus a calling. And that, like, you know, once you figure out what your calling is, it becomes, oh, it becomes really clear, like, this is the point. She said, like, this is the point, why we do it. I also love that she emphasize differentiate, differentiating between career versus calling, because it's, like, the important, because it's a why behind the dream, and it will determine if the result, the resulting fulfillment, will be fleeting or sustainable. So because if you're not clear on the dream, then it's really easy for us to, like, have an achievement, and then literally, three minutes later, go on to something else and a whole other feeling, like we've all done that, right? We're like, have this amazing high. And then you need a text message like, oh, fuck, right. And then, like, the high is gone. Where'd the high go? It's just totally gone. So, you have to have that clarity. Because I will say, like, I feel like I'm very much doing my calling. And the more I get clear on, like, not just what we what I know, I've always known what we're doing and why we're doing it, but the more you work on it, the more you're like, oh, I can make this better. Oh, we this could be the next thing that we do. And even on the hardest days you feel fulfilled, is more sustainable than like, going with the highs and lows of the business, like, I can have a good day only when the business has a good day. Brad Crowell 19:52  Yeah, I think, I think, like to clarify the career versus the calling thing. You know, it's put it into context, I think. She specifically meant. Mentioned her the influence of her parents on her college direction, you know, which is very typical for a first generation American, right? Her parents emigrated here. She was born here, and then what did they tell her, you got to be a doctor, basically, right? Lesley Logan 20:17  I know I had friends whose parents like, you can do whatever you want. I'm like, what? I'm not a first generation American. I was the first person to go to college like you figure out a degree that pays this bill back. That's what you have to do. Brad Crowell 20:28  Well, the the so for her, she, you know, it's like, now, go pursue your goals is what she said. And I listened to that part twice because I thought this is really interesting, you know, because she started saying, well, are these actually my goals? I don't know that these are my goals. I don't know. Am I excited about this at all? Right? This is going to put me on a career path that's going to make me probably the money that, you know, my parents want me to have, which is great, or the whatever that my parents want to have, awesome. But you know, is this my calling? And the answer is most likely no. So career versus calling in that sense, right? And she said, why are we doing the career? What is it about it? Right? We're, we're been told, Well, that's going to get you the financial independence, the house, the car, the money, the whatever, you know. And then, because you're in a parent child relationship, you know, how are you supposed to say, No, that's tough, right?Lesley Logan 21:20  Yeah, oh, I don't think, I don't even know that you she had the opportunity to you just, you don't have the life experience to know you can.Brad Crowell 21:27  Yeah, sure, and, you know, and then and then, and then, and then, what happens? Then, like, you know, you have your midlife crisis, and you're like, I hate everything about what I'm doing, you know, because once you've gotten the money, once you've had the time in the career. Does it make you happy? Probably not. Probably not. So now you're disenchanted, because you're like, Well, what the hell I thought that when I got here, it was going to be different. I was going to feel happy and fulfilled and better and ready to go, and I'm not. I don't feel that at all. So now, why am I doing it? And that's when people blow up their lives. And I really appreciate it when you and her were both talking about this moment where kaboom, right, quit everything, all of it, or it fell apart around you, you know, like in your case, it started with one decision you made, and then all these other things happening on top of it.Lesley Logan 22:13  Yeah, I like detonated something, and then like that detonated a lot of things. Brad Crowell 22:13  Yeah. So, you know, and I appreciated you sharing your story then, because I thought that was really, really awesome. But you know, the differentiating between the career versus the calling is important because of the why behind the dream and really knowing the dream. How do you know your dream? You need to know yourself, right? And that's, that's really tough.Lesley Logan 22:39  Yeah, I mean, like, I think that's where people are really struggling, is, like, getting to know themselves. I don't think, like, I think that a lot of people have been being, especially women who listen this podcast, right? Like, like, they have been trying to be the perfect daughter, perfect wife, perfect sister, perfect employee. Like, don't take up too much space. And like, now they're, they're 40s plus, and they're like, I'm fucking tired of that. But then it's like, okay, what? Okay, then, who am I? Right, right? Yeah, you know. So it's not, it's not the easiest thing, but I think it's the most essential thing to figure out.Brad Crowell 23:12  Yeah, yeah. 100% and, and, you know, so, and then there's a couple of other paths here, right? If you've hit that point of, like, I hate what I'm doing, you know, and you make a change, you know, there's, it's terrifying, it's scary. There's all these things. And that's when I, when I was really, you know, intrigued, because she said, yes, I coach people on finding joy. But I'm actually also like, a grief coach too, because when you make a change, there is grieving that happens. It just does, like, there's no way around it, right? And so what I really liked, when she was talking about this, she said, you can't it's kind of like what Anthony said, you can't have, you know, war without peace. You can't have light without dark. You can't have good without bad, right? You can't have these things. You need that polarity and joy was, was reiterating that. She said experiencing deep grief is actually necessary, because you wouldn't have understood how joyful you can be if you haven't personally experienced those dark places. I mean, I personally connected with this in my with my journey, with my story, where my, you know, I thought I was happy with my my old relationship, everything went to ship, and then I was incredibly set right, and now I have this marker in my life where I'm like, I am so much in a different place from where I was after that. And I can, I can measure against that and go barometer of in the shit versus not even close to that anymore. I am very happy today with who I am now because I had that negative experience, so.Lesley Logan 24:52  Yeah, I do think like and I think, I think it's really easy when you're in the grieving part to just go, Well, this is all happening for a reason. Correct it is. It doesn't mean you don't, you skip the part where you feel it, you know, like, and I also think it's really easy for us to want for others to not feel those things. We're like, trying to help people out in our lives from like, we try to make sure they don't make the same mistake as us. And so then we end up telling them things that make them just like, doubt what they're doing, and it's so important that, like, I remember one of the coaches we had said you can't take someone's rock bottom away, and I think that, like, you've got to be there for people when they hit it, but you kind of got to let people experience it, otherwise they're going to hit it again.Brad Crowell 25:34  Yeah, but I think there's a second step here, and I think I agree with you 100% and I think it's important for you can't take away someone's rock bottom, no, because otherwise you're just enabling them. And they're gonna they're never gonna change or learn or transform. But there's a second part of transformation after you hit the rock bottom, you have to address the grief.Lesley Logan 25:54  That you will that goes back to what June was saying. You have to. A lot of people, don't, I think they just like, want to skip over to the feeling good part.Brad Crowell 26:01  Right. And, and addressing the grief is where the self-reflection happens, the the analysis of, where were you and that you know, where were you before the shit? How did you get into the shit? Like, how do we not want to be in the shit, and now that we're now, how do we get out of it, right? And, and there's a lot of, that's right.Lesley Logan 26:01  Who do we need to see or who are you going to ask for help or. Brad Crowell 26:24  Self-reflection. Lesley Logan 26:25  Yeah, I will. There you go. That goes back to the same other thing as, like, people don't know themselves. This helps with that, because you, you, well, it's inside you, but you can't always articulate it, like, sometimes it comes out better in a journal.Brad Crowell 26:40  Yeah, sure. I mean, there's a lot of different methods to to get it out of your head, get it out of your you know, subconcsious. Lesley Logan 26:45  There was that one guy who tries to grab a journal, but close your eyes and just write what was coming up with your eyes closed. Lesley Logan 26:50  Oh, that's interesting. Lesley Logan 26:51  It was like David, somebody on the pod, like David Grove Gore Groban. Starts with a G. It was in the last 100 episodes.Brad Crowell 26:51  It's in the last 100 episodes.Lesley Logan 26:51  But I liked it. I like the idea of that, like there's different ways to do self-reflection. And when you self reflect, it allows you to know yourself, which allows you. Brad Crowell 27:08  Corbin. Lesley Logan 27:09  Corbin, not Groban, okay. So you can the more you know yourself, the more you're gonna understand, not just like your calling, but also how you experience joy and grief. Yeah.Brad Crowell 27:22  Yeah, awesome. Well, anyway, I, I, I would suggest going back and watching this episode again or listening to this episode again. Really, really awesome. Lesley Logan 27:30  She's so authentic. I really enjoyed her. Yeah.Brad Crowell 27:33  Yeah, and also very willing to be transparent. That's great. Lesley Logan 27:37  Yeah I was like, whoa. So, like, I so appreciate her transparency, because usually people come on and they like, be her like, they, like, they, they, for lack of better word, like, like, they whitewash the experience. Like I was here and now I'm here, and it's like, okay, but hold on, how do we get here? And they like, are so good at like, going around it? And she's like, nope, this is the it. This is how it was. And I, I really enjoyed that.Brad Crowell 27:58  Yeah. Well, stick around. We'll be right back, because we have some great be it action items from June. Brad Crowell 28:05  Welcome back, welcome back. Let's talk about those Be It Action Items that we got from your conversation with June. So what bold, executable, intrinsic or targeted action items can we take away from that convo? She suggested journaling, but she gave some very specific journaling tips, which we love here. Lesley Logan 28:25  She's a fan of the show, so she knows the rules. Brad Crowell 28:27  Although, yeah, yeah, absolutely, although, ironically, she was, she was myth-busting the perfectionism. I was really interested in listening to her first season of her podcast because she was trying to, like, break down the steps of how to be joyful. And in season two, she's basically already decided there's no one way to do it. And this entire way that I thought that I was creating in season one, I don't think I agree with myself anymore, and I was laughing about that. So sorry, perfectionist, but this, I thought, was a very actionable tip. She said, identify one good thing about today. One good thing about today. It's not a gratitude journal. This is she because she believes that gratitude is very hard to reach when you're struggling. So you're just identifying one good thing about today. You're focusing on only the one good thing, such as, I woke up tonight, or I woke up today. You know, provides a vital step on the path towards joy, even when deeper feelings of appreciation or joy feel very out of reach. So thought that was a great simple like just baby step kind of a thing to to support, especially if you're looking at everything as scary or frustrating. So, yeah. What about you?Lesley Logan 29:36  Okay. This is huge. I think this is amazing. Ready? Stop lying to yourself. That's what she says. Be It Action Item. We've never had anyone say this. And I was like, yeah, actually, that's probably the best way to be it until you see it. Stop lying to yourself. Where are you lying to yourself in your life? You need to get honest. You must figure this out. And she said, actively question the life you are currently living by asking, are you living this life that is your dream? Is it expired? Does it still even bring you joy? And so there's ways to find yourself and discover this new version of yourself that can support by reaching you can get support by reaching out to her and get support and go to therapy. But I love this, like, where am I living? Is this the life that I wanted to live? Is it the life that I wanted to live while did it expire? Did I did I move on from a new life to a new life? Does it even bring me joy? We only get this one life, you know, that's what we know.Brad Crowell 30:29  I remember this made me think back to my childhood dream, where they're like, what do you want to be when you grow up? You know, and everyone's like an astronaut, firefighter.Lesley Logan 30:38  My sister said, an adult. Brad Crowell 30:39  Brilliant. I told everyone I was going to be a professional soccer player, and I was preaching that since I was, like, six years old and. Lesley Logan 30:48  You mean, you could have done it, babe. Brad Crowell 30:49  I could have done it, except that when I got into high school and I was 75 pounds, it was pretty tough for me to be able to muscle people off the ball. So it became pretty, pretty quick that physically, it was gonna be really challenging for me to be able to compete. Lesley Logan 31:04  But look at you now. Brad Crowell 31:05  Look at me now. Lesley Logan 31:06  You, maybe you're, maybe you're a late bloomer.Brad Crowell 31:09  Pro soccer. Here I come, 43 I got this. Lesley Logan 31:12  Require you to be so consistent. Brad Crowell 31:15  But I, but I, yeah, which, which you know that's, well, that's my MO, consistency, but, but here's the here's the reality is that I also wasn't really enjoying it in my teens as much anymore. When I was a kid, all I wanted to do was soccer. I loved it. I went out, I juggled, I did the backyard thing, all that stuff. I was excited about it. But when I got in my teens, I was not as excited, not as enthusiastic. I was doing it because I thought I had to. So, you know, it was interesting to shift. Same thing happened with my music career, where I was like, I define myself as a musician. This is the only thing I actually ever want to do with my life. And then years later, I was like, well, I kind of want to do other things too. You know, is this really giving me the joy? And there are definitely pieces of the music element that I missed, don't get me wrong, for sure, but also too, I'm so grateful that I was willing to redefine who I am, how I am, because it really wasn't bringing me the joy that I thought it was and or that it initially did. So yeah, yeah, stop lying to yourself. Very, very tough. Lesley Logan 32:14  I love it. I'm Lesley Logan. Brad Crowell 32:15  And I'm Brad Crowell.Lesley Logan 32:16  Thanks so much for listening to this, you know, our rants, to our favorite takeaways, to our episodes. Who are you going to share this episode with? I would certainly share June's first and then this one. And because your friends need to hear it, they need to hear these Be It Action Items. They need to hear these things and it allows us to have not just friendships where we cheer each other on, but friendships we can hold each other accountable. So we can be it till we see it together. So you know what to do, until next time, Be It Till You See It. Brad Crowell 32:46  Bye for now. Lesley Logan 32:42  That's all I got for this episode of the Be It Till You See It Podcast. One thing that would help both myself and future listeners is for you to rate the show and leave a review and follow or subscribe for free wherever you listen to your podcast. Also, make sure to introduce yourself over at the Be It Pod on Instagram. I would love to know more about you. Share this episode with whoever you think needs to hear it. Help us and others Be It Till You See It. Have an awesome day. Be It Till You See It is a production of The Bloom Podcast Network. If you want to leave us a message or a question that we might read on another episode, you can text us at +1-310-905-5534 or send a DM on Instagram @BeItPod.Brad Crowell 33:24  It's written, filmed, and recorded by your host, Lesley Logan, and me, Brad Crowell.Lesley Logan 33:29  It is transcribed, produced and edited by the epic team at Disenyo.co.Brad Crowell 33:34  Our theme music is by Ali at Apex Production Music and our branding by designer and artist, Gianfranco Cioffi.Lesley Logan 33:41  Special thanks to Melissa Solomon for creating our visuals.Brad Crowell 33:44  Also to Angelina Herico for adding all of our content to our website. And finally to Meridith Root for keeping us all on point and on time.Support this podcast at — https://redcircle.com/be-it-till-you-see-it/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Long-term care has quickly become one of the greatest financial and emotional pressures facing American families. Rising costs, longer life expectancy, and limited insurance coverage have created a situation few retirees are prepared for. On today's episode of Faith and Finance, Harlan Accola joins us to explore this issue. He leads the reverse mortgage team at Movement Mortgage and works closely with families navigating long-term care decisions.Accola describes long-term care as “the elephant in the room.” As Baby Boomers age and care needs rise, families are trying to balance support for aging parents with raising children and managing their own financial responsibilities. Many households avoid discussing care needs until a crisis forces difficult decisions.The numbers reveal why planning is essential. Studies estimate that between 50% and 70% of retirees will require some level of long-term care during their lives. Yet more than 90% of those individuals have not purchased long-term care insurance—and many assume Medicare will cover the cost of nursing or assisted living facilities. In reality, Medicare provides limited short-term rehabilitation benefits, while long-term care typically falls under Medicaid, which only applies once a person has depleted most of their financial assets.Costs vary widely by region, but nursing facilities can range from $80,000 to $120,000 per year, and in-home care providers may charge $30–$40 per hour. Just one or two years of intensive care can rapidly deplete savings intended to last decades in retirement.One of the most overlooked financial risks is the well-being of the surviving spouse. Accola notes that husbands often require extensive care first, and the assets used to pay for their care can leave their wives financially vulnerable after their passing. Without adequate planning, the surviving spouse may face an underfunded retirement and fewer choices for her own care needs.To address this gap, families are encouraged to expand their planning tools. One strategy Accola highlights is to tap housing wealth through reverse mortgages. Because many retirees have significant equity tied up in their homes, a reverse mortgage can unlock funds without requiring monthly payments. These tax-free dollars can be used to pay for in-home care, cover long-term care insurance premiums, or bridge the gap between retirement income and care costs. It also allows individuals to remain at home longer—often delaying or avoiding the need for costly facility care—and preserves retirement accounts for the surviving spouse.Accola emphasizes that reverse mortgages are not a universal solution, but they should be included in the suite of planning options that families evaluate, alongside insurance, savings strategies, and Medicaid planning. Far too many households ignore the issue entirely or assume Medicare will handle it.As long-term care needs continue to rise, proactive planning is no longer optional. Exploring the full range of financial tools available can reduce stress, protect surviving spouses, and provide dignity and stability during the later stages of life.On Today's Program, Rob Answers Listener Questions:I'm 66 and plan to retire at 70. I can take full Social Security at 66 and 10 months. Should I start benefits now while continuing to work full-time, or wait? If I take it now, should I place the funds in an IUL, an IBC strategy, or invest through my Edward Jones account?I've borrowed from my 401(k) several times over the past decade and paid myself interest. Since I hate paying interest on loans like auto loans, is borrowing from my 401(k) a better option than taking a regular loan? If an auto loan is at 5–6%, would it be better to borrow directly from the bank?If I make small extra payments each month on my mortgage and loan, is that roughly equivalent to making a single lump-sum principal payment each year, or does the timing make a difference?I have a question about IRA beneficiaries. If someone inherits an IRA, what would the tax implications be, and is there a better way to pass the money on than simply naming a beneficiary?My husband and I are 45 and 50, and we're considering a 1031 exchange on a property with about $250,000 in capital gains and $15,000 remaining on the mortgage. Should we move forward with the exchange, or would a different strategy make more sense?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Movement MortgageWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Have you ever wondered if your HSA contributions could cause unexpected issues as you approach retirement? In this episode, I highlight potential risks and mistakes that individuals near or in retirement might encounter with their HSAs. Specifically around scenarios such as switching into an HSA plan mid-year, transitioning out of an HSA plan mid-year, and moving from an HSA plan to Medicare. 

If you'd like to work with us on your Medicare health plan, we're licensed in 45 states and actively helping clients across the country. Christian and the team at Everything Senior Insurance represent many of the top insurance companies in the Medicare space. We're happy to help—just reach out! ➡️ Visit our site: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.eseniorinsurance.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠✅ Call us: (801) 255-5340

“The world is a very volatile place, with currently 110 conflicts globally, and yet healthcare staff in the hospitals, even here in London, are not prepared to be the only clinician who can help in a crisis or hostile setting,” says Dr. David Gough, CEO of the David Nott Foundation, which equips providers with the skills and confidence needed to function in war and other extraordinary situations. A former British Army doctor injured in Afghanistan, Gough brings lived experience as well as a background in tech to his current role at the Foundation, which itself is anchored in decades of field work amassed by its namesake, a renowned war surgeon. As Dr. Gough points out to host Lindsey Smith, the cause could be helped by augmenting medical school curricula, but in the meantime, the Foundation is filling the knowledge gap by using prosthetics, virtual reality simulations and cadavers to train a broad swath of health workers including surgeons, anesthetists, and obstetricians. Tune in to this important Raise the Line conversation as Dr. Gough reflects on the strengths and weaknesses of NGOs in doing this work, his plans to expand the Foundation's footprint in the US, and the gratifying feedback he's received from trainees now operating on the frontlines in Ukraine and elsewhere. Mentioned in this episode:David Nott Foundation If you like this podcast, please share it on your social channels. You can also subscribe to the series and check out all of our episodes at www.osmosis.org/podcast

Watch The X22 Report On Video No videos found (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:17532056201798502,size:[0, 0],id:"ld-9437-3289"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");pt> Click On Picture To See Larger PictureTrump’s tariff system is putting a lot of strain on the Eurozone, they were hurting from the green new scam, but now it’s all falling apart. New supply of oil is coming into the US, prices are going to drop. Trump is shutting down the [CB] plan down, no institutional investors in real estate, prices are about to come way down. Newsom wants to confiscate Bitcoin. The [DS] is feeling pain, their drug, human and oil trafficking system is being dismantled. The [DS] have lost the information war, common sense has now taken over. The [DS] will now being moving to physical war. This is the trap Trump has set to use the Insurrection Act. Slowly but surely the [DS] will become more violent and Trump and team will have to call the ball. Buckle up, the storm is approaching. Economy Trump’s Tariffs Are Sinking The Eurozone  German trade surpluses are shrinking, with 2025 exports to the US projected down 7% and overall trade surplus far below 2024 levels. Structural challenges—especially Chinese competition in automotive—compound short-term pressures, threatening Germany’s role as Eurozone anchor. A German recession risks Eurozone-wide contagion, potential ECB stimulus, and euro depreciation, clouding the outlook for 2026. Since tariffs stepped in, the Eurozone has struggled with exports and hasn’t even retaliated to them. A passive approach that shows off all its weaknesses and, above all, is sinking the economy of its major member: Germany. Germany was already stuck with a negative GDP growth before tariffs, but the latter are acting as a final blow for the third economy in the world. A couple of weeks ago I pointed out the main risks that concern Japan (the fourth economy in the world); now it is time to assess the shape of the German economy. How tariffs are hitting Germany Germany's total exports in 2024 amounted to $1.63 trillion, and 11% of these goods were exported to the US, the main trading partner. Just this data says a lot; in fact, Germany used to rely on the US to generate billions and billions of trade surpluses. A sort of Chinese approach, but at a lower scale. Now, almost every European good exported to the US is subject to a 15% tariff, which is making German goods less convenient for US companies. We know that the latter pay most of the tariffs, and this means bearing higher costs of goods sold, therefore lower profits. Companies don't like to reduce their net profit margin, so it is not a surprise they are looking around to find new trading partners. On top of this significant issue, the currency fluctuations are adding further pressure on German exports.. Source: seekingalpha.com  (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:18510697282300316,size:[0, 0],id:"ld-8599-9832"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs"); https://twitter.com/disclosetv/status/2008918914110021878?s=20   and brought directly to unloading docks in the United States. Thank you for your attention to this matter! DONALD J. TRUMP PRESIDENT OF THE UNITED STATES OF AMERICA https://twitter.com/DOGEai_tx/status/2008960798094188804?s=20 https://twitter.com/truflation/status/2008494612378501267?s=20   index, calculated from millions of price data points, has remained below 2% since Dec 30. https://twitter.com/Rasmussen_Poll/status/2008641445574615279?s=20 https://twitter.com/amuse/status/2008921005046350098?s=20   domestic production, tax relief & energy independence. America remained the strongest economy in the world as capital flowed toward US assets. https://twitter.com/amuse/status/2008694980944998633?s=20 Political/Rights  https://twitter.com/paulsperry_/status/2008707706052632955?s=20 Democrat Charlotte Sheriff Now Under Investigation for “Mafia-style” Intimidation and Corruption   District Attorney Spencer Merriweather has formally requested the North Carolina State Bureau of Investigation (SBI) to probe allegations of attempted extortion and corruption against Democrat Sheriff Garry McFadden. The petition outlines explosive allegations regarding Sheriff McFadden's conduct over House Bill 10, a controversial state law mandating cooperation between local sheriffs and U.S. Immigration and Customs Enforcement (ICE). Rep. Cunningham, a fellow Democrat who provided a critical vote to override the Governor's veto of the bill, alleges McFadden threatened her safety to influence her vote. According to the petition, McFadden told Cunningham that if she continued to support the bill, the “people of Mecklenburg County would ‘come after' her.” The filing claims McFadden added, “I don't want to see you get hurt. You live in my county.” Cunningham described the interaction as “akin to a mafia boss demanding money by saying ‘nice little store you've got there; it would be a shame if anything happened to it.’”   District Attorney Merriweather confirmed he has asked the SBI's Professional Standards Unit to investigate the claims before his office decides whether to proceed with the removal petition. The DA's letter to the SBI specifically requests an investigation into: Extortion and bribery. Economic threats made to influence legislation. Hatch Act violations (regarding improper political activity). State campaign finance violations. Source: thegatewaypundit.com Breaking: Tensions Reach Boiling Point in Minneapolis As Woman Attacks ICE With Vehicle, Is Neutralized  https://twitter.com/nicksortor/status/2008962609769533872?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2008962609769533872%7Ctwgr%5Ea8d4c3aaf88bd8bfc614f35ff01e9af383546251%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fredstate.com%2Fbobhoge%2F2026%2F01%2F07%2Fbreaking-tensions-reach-boiling-point-in-minneapolis-as-woman-attacks-ice-with-vehicle-is-neutralized-n2197863https://twitter.com/nicksortor/status/2008973759097733306?s=20 https://twitter.com/TriciaOhio/status/2008957179793998266?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2008957179793998266%7Ctwgr%5Ea8d4c3aaf88bd8bfc614f35ff01e9af383546251%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fredstate.com%2Fbobhoge%2F2026%2F01%2F07%2Fbreaking-tensions-reach-boiling-point-in-minneapolis-as-woman-attacks-ice-with-vehicle-is-neutralized-n2197863 https://twitter.com/EricLDaugh/status/2008958131502768415?s=20  Source: redstate.com Geopolitical https://twitter.com/WadeMiller/status/2008657547629392370?s=20 https://twitter.com/sentdefender/status/2008906360537456723?s=20 https://twitter.com/sentdefender/status/2008912529087779051?s=20 On December 20th, the US Coast Guard and Navy attempted to board a sanctioned oil tanker off the coast of Venezuela. The tanker escaped, headed for the north Atlantic, painted a Russian flag on its hull, and has been operating under a new name (Marinera). US military aircraft are tracking the tanker off the coast of Ireland and are said to be preparing to board it. And now,  a Russian sub is enroute to intercept it. https://twitter.com/ConflictDISP/status/2008882720408305975?s=20 https://twitter.com/Rightanglenews/status/2008892280867000469?s=20 https://twitter.com/visionergeo/status/2008887222787887241?s=20 https://twitter.com/disclosetv/status/2008953776976134460?s=20 https://twitter.com/TankerTrackers/status/2008926432026632522?s=20 https://twitter.com/amuse/status/2008937593702916205?s=20  Putin’s side against Trump. TDSx1000 https://twitter.com/PeteHegseth/status/2008900933242032586?s=20 https://twitter.com/drawandstrike/status/2008633796317372618?s=20   that asshole pretending to be it’s President. Neither is the gal currently pretending she’s President of Mexico. When you figure out what the transnational crime syndicate is, and the kind of shit it’s been up to for over 130 years, some of you are gonna be awfully surprised. But then a lot of stuff you’re presently confused about will make sense. Brilliant Restitution Plan – President Trump Announces Interim Venezuela Oil Payment of $2 Billion  This is way beyond winning, this is stunningly brilliant strategy.  Not only has President Trump successfully apprehended Venezuela dictator Nicolas Maduro, but the remaining interim government officials have acquiesced to fund a civil restitution plan to pay for their malfeasance. The government that stole from its people is being forced to pay restitution for their own fraud, abuse and misconduct. [SOURCE] The 30 to 50 million barrels of oil is approximately a $2 billion self-created reconstruction effort. Compare and contrast this approach with the trillions of U.S. taxpayer funds that were used in the failed efforts in Iraq, Afghanistan, Libya, Syria, etcetera….  or even Kuwait, albeit the Kuwaiti's offered, but prior U.S. leadership chose influence over restitution. In this example, almost immediately the funds now in the control of President Trump can be deployed to the greater benefit of the Venezuelan people. Another way to look at this is like a type of ‘sovereign wealth fund' created by the corrupt Venezuelan officials, using the resources that belong to the Venezuelan people, to support the interim needs of the same citizens they victimized. Well done President Trump and Secretary Rubio! Source: theconservativetreehouse.com   The second phase will be a phase that we call recovery. And that is ensuring that American, western, and other companies have access to the Venezuelan market in a way that’s fair, also at the same time, begin to create the process of reconciliation nationally, within Venezuela, so that the opposition forces can be amnestied and released from prisons, and brought back to the country, and begin to rebuild civil society. And then the third phase, is of course will be one of transition. Some of this will overlap. I’ve described this to them (Venezuela) in great detail. We’ll have more detail in the days to follow. But we feel like we’re moving forward here in a very positive way. https://twitter.com/Matt_Bracken48/status/2008704247341183281?s=20   with a long-term secret IUD program, where Inuit women and young girls visiting Danish clinics for “health checks” were for unknowingly fitted with dangerous coil IUDs that were left in for years, leaving many sterile and in chronic lifelong pain. It was total “Dr. Mengele” stuff. The Inuit in Greenland are ripe for a better offer. And in any event, Denmark’s “claim” on Greenland is a total joke. Please read the whole Substack in the first reply. I’ll also do some more screen grabs in an X-thread to whet your appetite. War/Peace   me the Noble Peace Prize. But that doesn't matter! What does matter is that I saved Millions of Lives. RUSSIA AND CHINA HAVE ZERO FEAR OF NATO WITHOUT THE UNITED STATES, AND I DOUBT NATO WOULD BE THERE FOR US IF WE REALLY NEEDED THEM. EVERYONE IS LUCKY THAT I REBUILT OUR MILITARY IN MY FIRST TERM, AND CONTINUE TO DO SO. We will always be there for NATO, even if they won't be there for us. The only Nation that China and Russia fear and respect is the DJT REBUILT U.S.A. MAKE AMERICA GREAT AGAIN!!! President DJT Medical/False Flags The New Food Pyramid Health and Human Services Secretary Robert F Kennedy Jr has released a new food pyramid guide for Americans. The Dietary Guidelines for Americans released today meshes MAHA-influenced changes with longer-standing advice for people to cut sugar consumption while eating more protein, whole grains and colorful fresh vegetables and avoiding “highly processed” foods. Source: theconservativetreehouse.com [DS] Agenda https://twitter.com/WarClandestine/status/2008654733020717345?s=20 Medicaid Will ‘Claw Back’ Fraud Funds From Minnesota: Agency Head Minnesota will feel an “increasing vise grip of financial penalties” to help make up for taxpayer dollars lost to fraud, Dr. Mehmet Oz, administrator of the Centers for Medicare & Medicaid Service, said Jan. 6. His agency is auditing all 14 Medicaid programs that Minnesota flagged as vulnerable to fraud; that excludes 73 other Medicaid programs Minnesota runs. The agency also will “claw back that money” from current Medicaid payments that were to be made to Minnesota, Oz told Fox News. “This is a major problem for the state, because they've got to own the fact that they have been bilking the federal taxpayer [because of] their sloppy behavior for years,” Oz said. Oz said his agency has had difficulty tracking at least $500 million in Medicaid payments to Minnesota. Available data makes it hard to figure out how it was billed and “where it went,” he said.      Source: zerohedge.com President Trump's Plan https://twitter.com/JudgeJeanine/status/2008642273991393473?s=20  Today? Less than 10% not prosecuted.  This is what REAL enforcement looks like. Trump's federal surge is delivering results — law and order is being restored in DC. https://twitter.com/WallStreetApes/status/2008789449178579342?s=20  – Neville Roy Singham and his network – Hansjorg Wyss, a billionaire donor in Switzerland – Additional Foreign Cash – Reid Hoffman (Named by Trump) “It’s also big left-wing funders, some of them who are not citizens of this country, Mr. Hansjörg Wyss in Switzerland, they’re pouring money into this entire ecosystem.” “We have identified dozens of radical organizations, not just the decentralized Antifa organizations, but dozens of radical organizations that have received more than $100 million from the Riot Inc investors.” “I think the most shocking thing is that we have found that more than $100 million in US taxpayer funding has flowed into these funding networks” Trump Offers Blueprint on How Republicans Can Win the Midterms and Future Elections Trump said this to the GOP members: You gotta win the midterms. ‘Cause if we don’t win the midterms, it’s just gonna to be… I mean, they’ll find a reason to impeach me. I’ll get impeached. We don’t impeach them, you know why? Because they’re meaner than we are. We should have impeached Joe Biden for a hundred different things. Here is the second part They are mean and smart: but fortunately for you, they have horrible policy. They can be smart as can be, but when they want open borders, when they want, as I said, men in women’s sports, when they want “transgender for everyone!” Bring your kids in, we’re going to change the sex of your child. Just send them our way. […] We have great, common-sense policy. They have horrendous policy. What they do, is they stick together. They never have a no vote. Trump wasn’t whining that he is afraid of impeachment — he was spitting facts: if Democrats win, impeachment is inevitable; so, don’t let them win and show them this is how you do it. Trump made clear to Republicans that they must hammer home their common-sense, America-forward policies and contrast those against the truly terrible schemes of the Democrats. Trump said, “You can own health care. Figure it out. […]If you explain it: the money goes directly to the people, that’s going to be your issue.” Source: redstate.com (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:13499335648425062,size:[0, 0],id:"ld-7164-1323"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="//cdn2.customads.co/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");

First off — Happy New Year. To kick off the year, this week's episode of the Wealth Formula Podcast is a solo one from me. I spend the episode walking through my outlook for 2026 and sharing a few predictions for how I think this cycle is going to play out. Lately, I keep hearing the same question phrased in different ways. The economy feels tight, but markets are holding up. Growth is coming in stronger than expected, inflation is easing, and yet a lot of the signals people usually rely on just don't seem to be lining up. That disconnect is really the starting point for this episode. Rather than reacting to headlines or making short-term calls, I wanted to step back and talk through the mechanics of what's actually driving this environment — and why it looks so different from the cycles most of us learned about. A lot of it comes down to debt, policy constraints, how capital moves today, and the growing influence of technology. When you start looking at those pieces together, some of the things that feel confusing begin to make a lot more sense. This isn't meant to be alarmist or overly optimistic. It's simply an attempt to frame the environment clearly so you can think about it more intelligently — especially if you're deploying capital or deciding whether it makes sense to sit on the sidelines. If you've felt like the economy and the markets aren't really speaking the same language right now, I think you'll find this episode useful. Transcript Disclaimer: This transcript was generated by AI and may not be 100% accurate. If you notice any errors or corrections, please email us at phil@wealthformula.com.  You need to be out of the dollar and into the investor class because that that widening gap between those who have, who own things, who own assets and those who do not is gonna continue to widen. Welcome everybody. This is Buck Joffrey with the Wealth Formula Podcast, and today I am going to do something a little bit different. I’m gonna kind of give you. My perspective, maybe predictions I dare say about, uh, the upcoming year in 2026, how I look at it, what I think, uh, uh, is likely outcome and why. Not that I am any smarter than any of you on this stuff, but I’ve actually kind of sat down and, and thought about, you know, the things that are going on in the macroeconomic. Side of things and, um, put some stuff together and, uh, hopefully you’ll enjoy it. We’ll have, uh, that right after these messages. Wealth formula banking is an ingenious concept powered by whole life insurance, but instead of acting just as a safety net, the strategy supercharges your investments. First, you create a personal financial reservoir that grows at a compounding interest rate much higher than any bank savings account. As your money accumulates, you borrow from. Your own bank to invest in other cash flowing investments. Here’s the key. Even though you’ve borrowed money at a simple interest rate, your insurance company keeps paying you compound interest on that money even though you’ve borrowed it at result, you make money in two places at the same time. That’s why your invest. Get supercharged. This isn’t a new technique. It’s a refined strategy used by some of the wealthiest families in history, and it uses century old rock solid insurance companies as its backbone. Turbocharge your investments. Visit Wealthformulabanking.com. Again, that’s wealthformulabanking.com. Welcome back everyone, and, uh, happy New Year to you. I forgot to even say that in the intro. How rude of me. Hopefully you had a great holiday, you had a great Christmas, and you’re bringing in the new year with a vision of health and wealth and PO prosperity and all that stuff. So anyway, let’s talk a little bit about, uh, you know what I am. Kinda looking at for 2026. Now, when you think about, well, what are these predictions and what could they be and all that, um, interest rates, inflation markets, you know, uh, let’s set the foundation for how I’m thinking about it, because everything else really kind of builds on it. And the most important thing to understand is that debt. Is really now I think the main character in the economy. I know we, people have been talking about this for a very long time, but I think, I think the debt issue is really, really becoming something that cannot be ignored, and I’ll get into that in a while. Obviously, I’m not saying that inflation and interest rates don’t matter. They matter enormously. Uh, those are the things that people actually feel, right? Higher prices, higher mortgage rates, higher insurance costs. What I’m saying is that the level of debt now determines really how decisions on those things are made from policy makers. You know, how do they respond to inflation and interest rates, recessions market stress. What debt does is it actually kinda limits the range of choices around how policy makers react to all these things. So once you see that, the behavior of the economy starts to, I think, make a lot more sense. So let’s start with. Sovereign debt, and I’m gonna start really basic here because the question is, you know, what exactly is sovereign debt? Okay. And sovereign debt is the money a government owes, okay? In the US it exists because the government consistently spends more than it collects in taxes, and that gap is called the deficit. When that happens year after year, you have an accumulation of debt. Now, when debt is low, it’s, it’s pretty manageable, right? But when debt gets very large, it starts to influence policy decisions, and that’s where we are right now. Uh, here’s the key mechanic that I think most people don’t really think about, right? Governments don’t pay off debt the way you and I, you know, pay off our debt, like mortgage or whatever. They always refinance it, right? So when the US government borrows money, it issues bonds. That’s how it does, those bonds have maturity dates, and when you buy a bond, you’re, you know, you’re loaning the government money. So when a bond matures, the government owes that principle back to you. Right? So that’s, that’s kind of how well we talk about, we talk about debt, but the government doesn’t save money over time to pay off that bond. Like, I mean, that’s the way you would think about it for you and me, right? I mean, at some point you’re like, ah, I really need to pay off this debt. I’m just gonna pay it off with this money that I saved. Instead, what they do is when a bond comes due, it issues a new bond and uses the money from that new bond to pay back the old one. Okay. Now, if that sounds familiar, uh, to you, it’s because it’s pretty much what we would call in plain English refinancing, right? Now imagine though, the government issued a bond a few years ago when interest rates were near zero. That bond matures today, interest rates are much higher, right to pay off the old bond. The government issues a new one at today’s higher rates. So the debt doesn’t disappear, it just becomes more expensive to carry, right? I mean, it’s just like you got a mortgage, you know you had a, a great rate, but you only got it for seven years and all of sudden you gotta refinance it. Gosh, all of a sudden that rate went really higher and your payments are much higher, and the debt payments going up, you know, for the government, what adds to that deficit? It’s a really, really vicious cycle. Now, take that process and multiply it across trillions of dollars of debt. Now you can start seeing why interest rates matter so much in a high debt system. Now, what makes this especially important right now is that for over the last several years, the US issued a very large amount of short-term debt. Short-term debt matures quickly, and that means large portions of government debt. Come due every year and have to be refinanced at whatever the interest rate exists at the time. So even if deficit stock growing tomorrow, which they won’t, the government would still need smooth functioning financial markets just to keep refinancing what it al what already exists now. This is why the economy has become so sensitive to interest rates, liquidity and confidence. Higher interest rates increase the cost of refinancing, right? We’ve mentioned that already. And that pushes deficits higher and forces even more borrowing. So I mentioned liquidity. What is that? Well, liquidity is about how easily money moves through the system. When liquidity is good, bonds are easily absorbed. Banks lend markets function normally, and when liquidity dries up, refinancing becomes fragile. That stress. Stress in the market spreads quickly. And then finally, confidence I mentioned too. Why does confidence matter? Well, confidence matters because investors need to believe that the system is gonna hold together. When confidence weakens, guess what happens? Well, what would happen if you think about it with a loan, a higher risk loan? While investors demand higher yields like refinance, it becomes even more expensive. And problems compound fast. Now, this is why Pol policymakers are extremely uncomfortable with high borrowing costs, reduced lending, falling asset values, and deep recessions. Recessions, by the way, don’t make debt easier to manage. They make it harder by reducing tax revenue and worsening debt ratios. Now that brings me to a, something that I am feeling sort of back and forth with. Um. You know, a listener who sent me some commentary about, you know, the fear of going back to 1970s, eighties style interest rates. But the thing is that I just don’t think that comparison works, and here’s why. Okay, so in the 1970s, the US had far less debt. Interest rates could go very high without threatening the government’s ability to refinance itself. Now today, with debt much larger relative to the economy, very high rates don’t just fight inflation. They stress the entire financial structure, right? You can’t just say, oh, we’re gonna make super high rates because the cost of all that debt the government has is gonna be extraordinarily expensive. Now, that doesn’t mean that rates can’t rise. It means policymakers have far less tolerance for how high and how long rates can stay elevated. It’s a completely different system from the 1970s and eighties. So I think trying to put things into that context is probably not, um, not a, a good way to think about it. So why am I fo focusing on this right now? Uh, instead of a few years ago, because again, we stu we didn’t suddenly become a high debt economy this year. So what changed? Well timing a massive amount of debt that was issued at very low interest rates, as I mentioned before, is now maturing and being refinanced at much higher rates, and that shift is no longer theoretical. It’s happening in real time. Last year, much of that low uh, rate, debt was still in place. Interest costs hadn’t fully reset, but going into 2026, they have no, I, I keep talking about, you know, how much we’re paying an interest, right? Because again, that’s a big difference between now and the 1970s when you could have, you know, you didn’t have as much debt so you could pay more interest on it. Right now, the US is now spending roughly a trillion dollars a year just on interest. Her perspective, right? I mean, what’s a trillion dollars? Uh, what does that even mean for the normal person? Well, for Perce perspective, that’s the defense budget. $1 trillion. It’s more than Medicare, more than most major federal programs. And the thing is that money doesn’t do anything, right. It doesn’t create growth. It just services past borrowing. And this is the point where debt stops being background noise, kind of an annoyance that people just say, well, we’ll kick it to the next generation. It start starts actively shaping, uh, policy decisions because it’s, it’s a thing that you gotta pay for. You gotta keep paying for it. So the takeaway I want you to carry forward is simple. We now live in a system where policymakers don’t have the luxury of letting things break when debt is low. Governments can tolerate deep recessions like you saw in the seventies and eighties and long recoveries. When debt is high, they can’t because even small shocks can just really get outta control quickly. And that’s the framework I think, uh, that I’m using as we move into interest rates, inflation, and what all this means for markets going into 2026. So let’s talk about interest rates. You’ve heard me say that I think that interest rates are gonna come down. Um, they’re gonna continue to tick down a little bit. I don’t think a lot, but I do think there’ll probably be at least one more rate cut. I think, you know, you’re probably gonna have some, um, uh, some lowering in the 10 year and, and the bond market in general. Uh, but interest rates are not gonna go back to 2010, right? They just aren’t. And. The 2010s were not normal. There were a very specific period created by very specific conditions, right? Inflation was persistently low, uh, but just wouldn’t go up. Globalization, uh, push prices down. Capital was abundant. Debt levels, well, they were high, but they’re rising, but they hadn’t become what they are now. And because of that, central banks could hold rates near zero without much consequence. That environment, unfortunately, does not exist now. So today, debt is much higher. Inflation risk is real again, and investors expect to be compensated for lending money long term. So even when rates decline from current levels, they do not return, uh, they will not return to where people, uh, anchor them psychologically. If they’re thinking about the 2000 tens, they’re gonna settle higher. Within the 2000 tens baseline, you see policymakers are kind of stuck if rates, uh, say too high for too long. We mentioned this before. Refinancing government debt becomes increasingly expensive. Interest costs rise, deficits, widen, and then you get that financial stress that’s spreads through the credit markets. But if rates are pushed too low for too long, borrowing accelerates. And that’s. When inflation resurfaces and confidence in the currency weakens, so then that’s the tug of war. So policymakers, uh, you know, they, they can no longer choose between high rates and low rates. They’re gonna be choosing how to manage, uh, the trade-offs, right? So what’s gonna happen is that you’re gonna see that rates are gonna move within a range. Uh, they come down when something breaks, they move back up when inflation pressures recurrent. Um, that’s why volatility matters more than the exact. Level of rates going forward, in my opinion. So we’re, we’re not returning to free money. We are also not headed to a permanent 1970 style high rate world. What we are doing is entering a time where borrowing costs matter. Again, refinancing is not guaranteed, and rate swings are part of the system, and that naturally leads to the question of inflation. So once you understand why rates. You know, don’t go back to the 2010. The next question becomes, uh, well, if policymakers can’t keep rates high for long and they can’t push them back to zero either, then what are they actually trying to ac accomplish? Well, the answer is that, that the goal is kind of shifted for decades. Economic policy was focused on disinflation, um, you know, pushing inflation lower and lower. Over time, uh, and inflation was actually treated as a failure, and that made sense. In a world with lower debt in a high debt world, that logic sort of breaks down, right? Deflation, which is actually falling prices, increases the real value of debt. Think about that for a moment. Like just in terms of. You know, you have a mortgage and you know, sometime, you know, your parents might have like a 30 year mortgage or something like that, that they’ve had for 25 years. They’ve been paying it off and it’s great. But the bigger thing to notice is the amount of money that they borrowed is actually very small in real world dollars because it’s, you know, 25 years later. See, inflation is bad when it’s, you know, you’re dealing with it, but inflation is. Good at one other thing, which is it’s good at eroding debt. It will make, uh, the amount of the value of the, you know, the actual money that you owe on debt lower over time. So that’s why you can’t have deflation, right? You can’t have deflation because that increases the real value of the debt. It discourages spending, slows growth and makes refinancing harder. So in today’s system, deflation is way, way more dangerous than moderate inflation. And so because of that inflation really isn’t something that I think is quite as important that has to be eliminated at all costs. That, you know, you have to be right at 2%, which is, you know, kind of what the, the fed his, his target is, right? Instead, what you gotta do is you gotta manage it. Of course, that doesn’t mean you want runaway inflation. What they wanna do is have enough inflation to keep nominal growth positive and prevent debt burdens from become heavier again. Why? What do I mean by that? You gotta have enough inflation to erode the debt that we have, right? So this is why that 2% inflation target should be understood. As, you know, kind of aspirational, but not absolute because having a little higher inflation, yeah, it hurts people. It’s, uh, it hurts people on a day-to-day basis, but actually helps with that. So even at, uh, you know, inflation sell a bit higher than, than, than the, you know, 2% fed target say it’s 4%, it’s actually eroding, uh, you know, it is eroding purchasing power, but it’s also eroding debt. It’s, it’s stabilizing debt dynamics. From the system’s perspective, of course that’s helpful. But for us, we’re paying for things on a day-to-day basis to see the cost of eggs and all that. It’s, it’s frustrating, right? And that tension between system stability and personal cost, it’s one of the defining features of the economy heading into 2026. So when you see policymakers tolerate inflation, uh, longer. Then you think they should or step in quickly When markets kind of wobble, it’s not confusion or incompetence, it’s actually constraint because debt limits the available choices. Rates are managed within a range. Inflation is guided and not eliminated. Now put those together and you get the environment we’re moving into, which is an economy where markets can look. Resilient, even while people feel stretched, right? I mean, that’s kinda what we’re feeling. Everybody’s like, oh, these markets are doing fantastic, you know? But then, you know, you look at consumer confidence, it goes down. It’s been going down every month. This is an environment where asset prices recover faster than wages, and we’re understanding how policy reacts becomes a real advantage. So that’s kind of my macro setup for 2026. Um, you know, with that framework, we can start looking into the first prediction I’ll make. And again, these are not, you know, crazy predictions. Uh, they are just generalized things that I think you’re gonna see. So, like the first one is that the markets will stop being reliable proxy for the economy. You could argue that’s already happened, right? Markets in the economy kind of stopped correlating. We saw it after the financial crisis, right? We saw it very clearly even during COVID. The decoupling itself is not new. What’s new is that that decoupling is no longer temporary. It’s become the baseline that’s become the new normal. Uh, for most of modern history people had a fairly reliable mental model, right? You probably do. If you grew up in the eighties and nineties, uh, as a kid or whatever, when the economy felt bad, layoffs, we growth falling in con incomes, markets usually reflected the pain. Right. Sometimes there was a gap. Sometimes markets recovered a little earlier, but eventually things kinda re converged. The economy healed. We just caught up in the markets and lived experience kinda lined up. Now that’s the model that most people still have in their heads, and that’s why so many people feel so confused right now. I mean, I feel confused by it. So what’s changed going into 2026? You know, it, it is, it’s structural Now. We’re no longer living in a system where policy intervenes only during emergencies. We are, uh, in a system where policy is always on, debt is permanently high, rates are actively managed, inflation is tolerated rather than eliminated. And as a result of that, markets aren’t really necessarily responding primarily to how. The economy feels to people they’re responding. Uh, you know, it’s responding to refinancing needs. Liquidity management. Uh, confidence preservation. That’s a very different signal. COVID is the clearest example of that ship, but it’s, it’s important to understand it correctly. So in 2020, the economy was literally shut down, right? Unemployment exploded. Uh, small businesses were collapsing, right? Like, this is COVID and yet markets bottom quickly. We saw that and then bam. All time highs, even though life kind of felt terrible for a lot of people. And that wasn’t because the economy was healthy, it was because policy overwhelmed fundamentals. And at the time that felt extraordinary. It felt very different. Like this doesn’t make any sense. What’s different now is that we’re still using the same playbook but with out in obvious crisis. So intervention is no longer reactive. It’s, you know, uh, it’s preventative. So what do I predict for 2026? Well, markets are gonna stop being a reliable proxy for economic health. Uh, you, you people can just stop talking about that. Like it, like it, it means anything anymore. Markets going to increasingly reflect how constrained policymakers are and how much liquidity is in the system, and how aggressively risk is being managed. They’re not gonna, the markets are not gonna tell you. About affordability, wage pressure, or whether life feels easier or harder for people. Right. Those are completely gonna, those are, it’s just a standard thing now that those are uncorrelated and the gap is not, uh, abnormal anymore. It’s. The operating environment. So what do you do with that information? Well, for an individual investor, this environment requires a real mindset shift, right? You can’t rely on your gut anymore. You can’t say, man, I feel like this economy doesn’t feel good. So the market’s gonna look at the, I mean, you, you, you know, a lot of people feel like the economy doesn’t feel good to them because of inflation, because of what happened with interest rates and all that stuff, right? But look it, you’ve got. Record breaking, uh, stock market numbers. You can’t rely on your gut anymore. Your gut is telling you the economy feels bad. For many people, that’s absolutely true. Costs are high. Again, things feel tight, and the instinct is to wait to sit in cash. To assume markets would reflect that pain, but that instinct used to work. And in this system it doesn’t because markets are no longer pricing in how the economy feels. They’re pricing policy response. Liquidity and constraints. So if you wait for the economy to feel good before you act, it’s gonna be way too late. So instead of asking, does the economy feel weak, you need to start asking different questions. You need to ask how constrained policymakers are, how quickly liquidity will return if markets wob on it, and where capital tends to flow first when policy steps sit. In other words. You gotta start really thinking about investing, right? Like you gotta, like right now. Now I’ve talked, I’ve beat this over many times before, but you know, you have, if you’re, if you’re saving money right now and you’re looking and you are wondering what to do, look for things that are on sale now. I spent real estate’s on sale right now. Right? Get your money into the markets one way or another. That’s what I would say. Whatever it is that you want to invest in. Don’t let your money just erode because this lack of correlation is, it’s a really, really important thing and it’s, it’s gonna continue to happen and you know what else is gonna happen Because of that, you’re gonna see an increasing widening up the wealth gap. People whose income is tied primarily to wages are, are gonna experience that inflation directly, right? Their money’s trapped in the real economy where costs rise faster than income. But investors on the other hand, have an opportunity to participate in the markets that are supported by this sort of unnatural infrastructure that I just mentioned, right? As asset prices are gonna continue going up. Now, I’m not here to judge whether that’s a good thing or a bad thing, I’m just telling you how it’s functions. So the investor class increasingly benefits from asset appreciation, right? Early access to liquidity. While lower income groups often can participate in that upside. Even as their cost of living rise, because they’re not in the markets, they’re not, they don’t own assets. So again, you have to stop, you know, using how the economy feels is your primary investing signal. If you wanna protect and grow your wealth in this environment, you need to understand how policy reacts, how you know liquidity moves, how assets behave when the system is under constraint. And in other words, uh, you know. Frankly, you just need to be part of the winning class, which is the investor class. Alright, so that’s kind of, uh, hopefully that made sense to you. Here’s another prediction for you, and this is probably more related to some of the things that we talk about usually, but I’ll say that multifamily and commercial real estate are going to finish their washout, and the window is gonna start to really close again. I’ve talked about this. Before, you’ve probably heard me say this, but let’s talk about multifamily and commercial real estate again, because you know, this audience doesn’t need just theory. You’ve already lived through the pain or the past two years you’ve seen deals blow up, capital calls go out, refinancings fail. So the real question going on in 2026 is not whether real estate breaks. It’s already, it already did. It already did. The real question is how much longer this phase lasts and what replaces it. My view is that 2025 into early 2026, um, represents the final phase of this unwind in the beginning of stabilization. I’m not predicting an immediate boom, not a return to 2021 by any means, but the end of obvious distress. So what’s happened already from 2022 to 2024? Multifamily and commercial real estate absorbed the fastest rate shock in modern history. Many of you lived through that. I lived through that. It’s painful. Debt costs doubled or tripled. Cap rates moved hundreds of basis points. You know, bridge debt structures broke, uh, refinancing assumptions collapsed. Now, a lot of the deals, I mean, I would say most of the deals, uh, uh, that, you know, kind of imploded, uh, shared the same DNA, you know, peaking price, uh, purchases, uh, during peak prices in 2021, early 2022. Uh, you know. Floating rate thin or negative cash flow based on, you know, the rates at the time. Maybe it was positive business plans that were really dependent on refi and rent growth. Um, those deals though, have largely already defaulted, recapitalize, or, you know, they’re being quietly handed back. And that matters because markets don’t keep breaking the same wave forever. If, if you’re seeing right now and if you’re in our investor club, you are. 30% discounts on a regular basis. Right? On a regular basis compared to the peak. Don’t assume that’s gonna last. That this is the key point I wanna make very clearly. If you’re looking at multifamily or commercial deals today that are trade trading at that 30% below where they were a couple years ago, you should not assume that window stays opening. Definitely because the level of discount there, uh, the level of discount exists because. Dried up liquidity, uh, because of that violent rate reset, uh, uncertainty. But here’s the thing, markets don’t stay frozen forever and as soon as pricing stabilizes, even at higher cap rates, which are going to be higher than they were, because you’re not gonna see interest rates down at zero, capital is gonna start to move again. And stabilization doesn’t require rates to go back to zero. It just requires some level of predictability. So here’s the sequence of what happens first, you know, the distress slows, uh, you see less and less defaults, and then slowly but surely cap rates stop expanding, right? That alone brings back buyers. Then as rates drift mo lower and volatility declines, lenders reenter selectively, debt becomes a billable again. It’s not cheap. It’s definitely usable and that brings more liquidity. When I say liquidity, in this context, I’m talking about just more deals getting done. And once liquidity returns, cap rates don’t stay wide forever. They compress, right? It’s competition. And again, when they compress, they’re not gonna go back to 2021 levels, but enough to meaningfully lift asset values from distressed pricing. This can happen faster than people expect, right? People underestimate the fact that there is an enormous amount of capital sitting on the sidelines right now in money market funds, short term treasuries, private capital, waiting for clarity. That capital isn’t, you know, permanent. The moment investors believe that rates of peak, that prices of stabilized downside risks is contained, that money starts to chase yield. When it does the transition from, nobody wants this, everyone wants exposure again, can happen surprisingly fast. In other words, I’m not saying I think this will happen in 26, but the shift from a market that is on sale, which I’ve described it as to a market that is starting to look a little frothy, can really be just a couple of years. And in that situation, I’d rather be a net seller, right? You wanna be accumulating. During this phase of for sale so that you can sell in froth. So what this means is that the market is, you know, uh, is not a market to wait for everything to feel perfect, because by the time it does, the obvious discounts are gonna be gone. And if you wait for perfect clarity, you’re gonna be competing, you competing with institutional capital, with large private funds and, and, and yield hungry money coming outta cash. The opportunity is not assuming distress lasts forever. It is. It’s in recognizing when the market is transitioning from forced selling, which is what is happening even now to price discovery. So ultimately, the prediction is this multifamily and commercial real estate, that that washout is completed in 2026 and the window created by distress really starts to close. Deep discounts don’t persist. Once market stabilized, which I think is what’s gonna happen, and then I think you’re gonna start to see a shift. You’re gonna start to see more deals, more liquidity, and that’s gonna return faster than people expect. In other words, this is gonna be the end of, you know, sort of this bargain basement, you know, panic pricing. And once real assets stabilize and liquidity returns, attention inevitably turns, uh, to the currency, those assets are priced in. Which brings us to the prediction number three. That dollar, okay, the dollar doesn’t collapse, but it does continue to erode. It slowly leak, right? Let’s talk about the dollar, ’cause you hear about this all the time, right? A nausea, you hear the, the weakening of the dollar. Um, this is one of those topics that where people tend to jump to extremes. You know, on one side you hear the dollar is about to collapse. On the other side you hear the dollar’s strong and everything’s fine. I think, um, the truth is somewhere in, in the middle. And my prediction for 2026 is simple. Um, again, the dollar doesn’t really explode. It doesn’t get replaced. It can just continues to erode slowly but surely. And that’s how reserve currencies actually behave when debt gets high. Right. So why no collapse, right? Because you got like people out there, uh, worried about the collapse of the US dollar. The US dollar is gonna remain dominant, not because it’s perfect, but because there’s no real alternative at scale. There just isn’t. Okay? There’s no other currency with markets as deep, as liquid and as widely used for trade debt and collateral. So, you know, reserve currencies, you know, you hear about the, the worry about us being the reserve currency. Well, reserve currencies don’t disappear overnight. They erode gradually, but they don’t disappear overnight. And that erosion shows up not as a crash, but again as persistent inflation, right? It’s rising, you know, real asset prices, which is again, where you wanna be, and a slow loss of purchasing power over time. Again, that brings us back to the whole issue of debt we were talking about, right? So in a highly indebted system, policymakers are not incentivized to aggressively defend the currency at all costs, right? So very high interest rates might strengthen the dollar in the short term, but they also make debt harder to service and financial stress worse, right? So instead of choosing strength or collapse. Um, you know, policy drifts towards tolerance, right? Inflation is allowed to run a little hotter than people expect, because again, it’s gonna erode that debt. The currency weakens slowly, therefore, rather than violently, right? Again, currency weakening. It’s that, it, it’s so entwined with this idea of inflation because debt becomes easier to manage in real terms. And one of the things I hear, and I’ve been sort of in these conversations back and forth with, um. At least one of you out there, uh, in, in emails is that, you know, I hear, uh, that, that, that there’s a, a serious problem for interest rates because of, you know, China, uh, selling US treasuries. And because of that you might get the collapse of the dollar. In fact, in this conversation, it was not only about China, but also Europe. Which, you know, I hadn’t actually heard anybody mention that before, but I guess that’s out there in the ecosystem and some of the newsletters. Now, all that sounds scary, but it really misunderstands how the system actually works. What exactly happens when someone or a country sells treasuries? Well, they don’t dis, they, they don’t just destroy the dollars. What they’re doing is they just swap $1 asset for another, right? The dollars don’t even lead the system. They change hands. So this idea of China selling off all it t trade, well, China’s been, uh, reducing its treasury holdings for years and the dollar hasn’t collapsed. The market absorbed it because treasuries are the deepest, most liquid market in the world. And then this idea of Europe, of of Europe actually dumping treasuries because, you know, they’re not happy with Donald Trump and what he’s doing in Ukraine and all that, that would be an absolute nightmare for, for Europe. That would hurt their own economy. That’s the last thing that an indebted government wants. So foreign selling, yeah, sure it’s gonna move yields, but it, it’s not gonna implode the dollar. But the reality of the, uh, erosion of the dollar is real. I don’t think anybody questions that anymore, and I think that is another reason that you need to be buying. Real assets. You need to be buying equity. You need to be on the side of the investor class. Okay? That’s, that’s how you combat all of this. So the real takeaway here ultimately is that, you know, it isn’t, uh, to abandon the dollar, right? It isn’t. It’s, it’s just to stop pretending that holding cash is neutral. It’s not, it, most of your wall suits and assets that, that can’t adjust. You know, they can’t grow as, you know, as, as asset prices grow, then you’re making a bet on currency stability that literally no one believes is, is going to be the base standard anymore. Everybody knows, every economist, every country, every everywhere knows that these currencies are eroding. You don’t freak out about the dollar, but don’t, don’t, don’t be like heavily in dollars. Start getting into the markets. Alright, well, you know, I’m talking a lot about esoteric macro stuff, but let’s kind of get into some stuff that you might think is fun, more fun maybe. Okay. You, a lot of you are into Bitcoin. Well, I think that, you know, Bitcoin is gonna continue to mature. And the next look, leg up looks like, you know, because of more adoption, not because of hype, which isn’t maybe not as, as, as fast and violent, but it’s, it’s, it’s a lot more predictable. For those of you who are still unfortunately listening to the likes of Peter Schiff about Bitcoin, you gotta stop doing that because Bitcoin is not tulips. Right? A lot of people still talk about it like it’s a fad that could just vanish. We’re long past that phase. Bitcoin is, is, is a $2 trillion asset and in the history of the world, there has never been a $2 trillion asset that went to zero. Is it volatile? Yeah, it is. It can absolutely continue to be wildly volatile, but you’re not going to zero. And my prediction is not overly crazy. It’s just that. Bitcoin is going to continue to increase in price, but it’s not become, not because of speculative, uh, you know, because it’s a speculative trade anymore, right? I think it’s because of adoption. Uh, adoption is going to become the real meaningful driver of market capitalization. So what do I mean by that? It just means more people are seeing it as a real asset, and it has to become, when it becomes a real asset class, everyone has to have some of it. Every major institution has to have some of it because it’s an its own asset class. And when they do that, it just drives up the entire market capitalization of that asset. And when you have an asset that has a finite amount, which in the case of Bitcoin, there will never be more than 21 million Bitcoin. You have constant adoption, constant slow, but persistent growth in market capitalization, the asset has to become more expensive. Now, what do I mean by this adoption? Well, places that you would never think in a million years, a few years ago, that that would be buying Bitcoin or you know, ETFs, B to Bitcoin ETFs are doing. So Harvard. Harvard is a great example. Because it’s not, it’s not crypto influencer, right? It’s actually one of the most conservative, brand sensitive pools of capital in the world. But their endowment management, uh, disclosed roughly 443, uh, million dollars in its position in BlackRock, uh, BlackRock, iShares Bitcoin, Bitcoin Trust, which is ibi for those of you who, who, uh, don’t know, that’s how you can just go to your New York Stock Exchange and, and buy. Bitcoin ETFs with ibit. Now, whether you love this whole Bitcoin idea or hate it or whatever, that’s a signal that is increasingly treated like a portfolio asset. It’s not a fringe experiment, and it’s not only universities. Uh, institutional comfort is it’s just there, right? Um, custody, uh, custody regulated vehicles, positioning, size, risk controls, those kinds of things are all become part of the Bitcoin uh, environment. Many countries are already holding meaningful amounts of Bitcoin. Uh, even the US has, there’s a, there is a formalized Bitcoin reserve. Now we aren’t actively buying it, but here’s an interesting thing with Bitcoin, you can, when it is, uh, the way that the US is accumulating Bitcoin is through seizures. Alright? Bad guy gets caught. His boats, his house and his Bitcoin get, uh, confiscated. So the US will sell the house, they will sell the gold, they will sell the boats, but they will keep the Bitcoin. What does that tell you? You know? And, and there’s a lot of nations that are actually openly holding and, and buying Bitcoin. I mentioned the US China. This always seems to be, uh, you know, anti Bitcoin. Well, they actually own quite a bit the UK, Ukraine, Bhutan, El Salvador. Bottom line is there’s a big change in narrative, right? That this is a real asset. So this is something that, you know, even if it’s 1% of a major, uh, institution’s assets or less than that, or whatever, it’s part of it. And that adoption alone can move prices from, from here. And that’s what I think a lot of people miss because they’re like, well, you already had a big move and you know, instead a hundred, it’s 80 or 90 or a hundred, whatever. It’s, it’s not going much better, bigger than that. Well, Bitcoin is, is actually really small relative to global pools of capital. So at this stage, adoption alone. Not even the crazy mania of the past can make a non-trivial increase in market capitalization and therefore a mark, you know, a non-trivial increase in the actual price of Bitcoin. All it’s gonna take, and you’re gonna see this, you’re gonna see more endowments, you’re gonna see more sovereign wealth pool, pensions, mod model portfolios, all they guys daisy side, when you know, even with a small allocation. It doesn’t take too much to overwhelm the available float because Bitcoin is scarce and a lot of it’s held tightly. So as far as Bitcoin goes, what do I think is gonna happen? I believe all time highs are gonna get challenged. They’re gonna get broken again in 2026, not because again, everyone’s suddenly becoming a crypto maximas, but because adoptions could just gonna continue to grow. The wild card, I should say, is that the US moving from, we hold. What we seized in terms of Bitcoin to actively acquiring reserves could be enormous catalyst. And there is a lot of talk about this right now. Um, if the market ever believes that the US is a consistent buyer, even in a constrained budget neutral way, that changes the psychology fast. And in that scenario, I think 200,000 plus, uh, $200,000 plus Bitcoin by the end of 2026 becomes very plausible. Zooming out. I’ve said this before, you may think I’m crazy, but again, because of adoption, I think that Bitcoin is at a million dollars five to seven years from now. So what does that mean for you? Well, I mean, I think at the end of the day, if you don’t own some, you might want to, I’m not gonna give you financial advice, but again, just like Harvard’s doing it, you know, major, major endowments are saying, well. You know, maybe we’ll just buy, like, you know, 2% of that, 2% of our, our, uh, endowment will be made of something like that, right? Uh, you know, it’s just even a very small amount, but exposure to it makes a lot of sense. So I think that is something to highly consider if you are still on zero when it comes to Bitcoin. All right, now here’s my last, uh, prediction. You may have heard me talking about this before as well, that AI becomes a deflationary force that policy makers finally wake up to. And I think this is actually one of the most important and misunderstood economic developments, um, that is currently already out there. But I think it’s, it’s gonna be really recognized. By the end of 2026. Okay. Artificial intelligence is gonna stop being just a tech story, and it’s gonna become a macroeconomic story. I think that by the end of 2026, artificial intelligence is clearly, uh, you know, it’s clearly, um, going to be boosting corporate earnings while beginning to materially reshape the labor force. Um, and what’s gonna happen is that central banks and policymakers are gonna start treating it. Is a genuinely deflationary force over the next several years, and they’re gonna try to have to figure out what to do about it. And again, going back to our earlier conversation, because deflation is really a real problem for a country with an enormous amount of debt. So let’s get a little bit into the whole deflationary uh, conversation. So artificial intelligence at its core is a productivity machine, right? It allows companies to produce more. Without, with fewer inputs, fewer hours, fewer people, fewer stakes and productivity always shows up in profits before it shows up in everyday life. Right now, lower cost per transaction, faster execution, fewer people doing the same amount of work, widening margins without price increases. That’s the tell. That’s when profits rise without raising prices, something deflationary is happening underneath the surface. The biggest impact there is the labor market, right? It’s gonna be impossible to ignore. And this is where the conversation really shifts because artificial intelligence doesn’t need to eliminate jobs outright to matter. It only needs to reduce the number of people required to do it, right? So you’re thinking the labor markets, you’re gonna see a lot of this. You’re gonna see more slowing in hiring. Um, even while productivity expectations rise, and I think by late 2026, the public conversation is gonna change from will artificial intelligence affects jobs someday to why aren’t companies hiring the way they used to? And of course, that’s when people are gonna start paying attention and they’re gonna notice it’s deflationary because it’s going to be because artificial intelligence is gonna push down the cost. Of services, administration, customer support, research, and eventually decision making itself. That’s why it’s, it’s deflationary, it’s structural, right? Just think of all those things you can do for so much cheaper. That is what deflation is, right? And again, we mentioned before deflation is not something central banks are comfortable with because of debt and because debt heavy systems rely on nominal growth. Deflation makes debt heavier in real terms as opposed to what we said before, which is that inflation actually erodes debt. And that is a, a very, very challenging problem. And by 2026, I think you’re gonna hear a lot about this, you know, policy problem that we have. Which is innovation versus, you know, deflation. You make a lot of money, but are still worried about retirement. Maybe you didn’t start earning until your thirties. Now you’re trying to catch up. Meanwhile, you’ve got a mortgage, a private school to pay for, and you feel like you’re getting further and further behind. Now, good news, if you need to catch up on retirement, check out a program put out by some of the oldest and most prestigious life insurance companies in the world. It’s called Wealth Accelerator, and it can help you amplify your returns quickly, protect your money from creditors, and provide finance. Financial protection to your family if something happens to you. The concepts here are used by some of the wealthiest families in the world and there’s no reason why they can’t be used by you. Check it out for yourself by going to wealthformulabanking.com. Alright, well, so that’s basically it for my, uh, predictions. And I know I’ve kind of. Off on many different tangents, so hopefully it’s useful to you at least to start thinking and doing some of your own research. Bottom line is this, I mean, as, as a investor, what can you do? I think the big story here is understanding that, um, you need to be out of the dollar and into the investor class because that that widening gap between those who have. Who own things, who own assets, and those who do not is gonna continue to widen. And so, you know, my best, uh, won’t call it advice, but my own belief is that it is a, it is a very good time to look around and look for assets that are underpriced because I think everything is going to expand and it’s gonna ex expand. Uh, and you don’t wanna be caught, you know, on the, uh, dollar side of that equation. So. That’s it for me this week on Wealth Formula Podcast. Happy New Year. I’ll see you next week. If you wanna learn more, you can now get free access to our in-depth personal finance course featuring industry leaders like Tom Wheel Wright and Ken McElroy. Visit wealthformularoadmap.com.

On Jesse's 12th "Ask Me Anything" episode, he opens the year by tackling the questions that tend to surface when calendars turn and retirement feels closer than ever. He begins with a thoughtful exploration of whether "this is the year to retire," unpacking how sequence-of-returns risk, market valuations, spending accuracy, and portfolio construction matter far more than trying to guess the next market move, and why building flexibility—not perfect timing—is the real defense against early-retirement risk. From there, Jesse shifts to a practical and surprisingly nuanced discussion on getting kids and grandkids started in investing, weighing Roth IRAs, custodial accounts, and taxable strategies while emphasizing the twin lessons of earned money and compounding—and how to balance long-term discipline with making investing engaging and educational. He then addresses how portfolios should evolve as investors age and as assets grow, explaining why the glide path toward retirement is as much about risk capacity, risk need, and behavioral fit as it is about age, and why excess capital fundamentally changes how—and why—you take risk. He closes with a comprehensive walk through the key ages and milestones that shape a financial plan, from early adulthood to Social Security, Medicare, and required minimum distributions, giving listeners a clear mental map of when critical doors open and close. Throughout, Jesse blends technical insight with behavioral clarity, helping listeners not just answer financial questions, but build a durable way of thinking about decisions that will compound for decades. Key Takeaways:• The decision to retire is less about predicting markets and more about understanding cash flow, spending flexibility, and downside protection in the early years. • Writing down the rationale behind major investment decisions helps reduce future regret and emotional reactions. • Many retirees underestimate their spending, which can create false confidence in retirement readiness. • Teaching kids about investing works best when it combines earned income, parental matching, and simple, long-term strategies. • Excess capital changes the nature of investment decisions, allowing greater freedom without jeopardizing core goals. • Knowing the key financial ages—Social Security, Medicare, Roth rules, and required minimum distributions—helps investors anticipate decisions rather than react under pressure. Links:https://bestinterest.blog/should-retirees-sell-stocks-move-to-cash/ https://bestinterest.blog/great-investors-little-secret/ https://bestinterest.blog/rmds-sequence-risk-retirement-destruction/ https://bestinterest.blog/e87/ Wade Pfau's SRR Chart: https://www.bogleheads.org/forum/viewtopic.php?t=461168 https://bestinterest.blog/when-not-to-rebalance/ Key Timestamps:(03:51) – Smart and Dumb Reasons to Move to Cash (16:46) – Sequence of Returns Risk (20:47) – Spending and Lifestyle in Early Retirement (23:30) – Getting Kids Involved in Investing (26:10) – Tax Implications and Control of UGMA Accounts (30:38) – Investment Strategies for Financial Independence (36:44) – Rebalancing in Retirement (43:57) – Important Ages and Events in Retirement Planning Key Topics Discussed:The Best Interest, Jesse Cramer, Wealth Management Rochester NY, Financial Planning for Families, Fiduciary Financial Advisor, Comprehensive Financial Planning, Retirement Planning Advice, Tax-Efficient Investing, Risk Management for Investors, Generational Wealth Transfer Planning, Financial Strategies for High Earners, Personal Finance for Entrepreneurs, Behavioral Finance Insights, Asset Allocation Strategies, Advanced Estate Planning Techniques More of The Best Interest:Check out the Best Interest Blog at https://bestinterest.blog/ Contact me at jesse@bestinterest.blog Consider working with me at https://bestinterest.blog/work/ The Best Interest Podcast is a personal podcast meant for education and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

Tuesday, January 6th, 2026Today, Democrats will hold a shadow hearing to rebut the whitewashing of the events surrounding the attack on the Capitol; the Pentagon is seeking to reduce Sen. Mark Kelly's retirement rank; an organizer was arrested on camera in Grand Rapids Michigan for protesting the US attack in Venezuela; Trump announces Pee Wee Himmler Stephen Miller will have an outsize role in running Venezuela; Amy Klobuchar is considering a run for Minnesota Governor after Tim Walz's surprise announcement that he's dropping out; and Allison and Dana deliver your Good News.Thank You, IQBARText DAILYBEANS to 64000 to get 20% off all IQBAR products, plus FREE shipping. Message and data rates may apply. Stories:5 years later, a stubborn fight over the basic facts of the Jan. 6 riot | CBS NewsDear Colleague on January 6th Five-year Anniversary | Congressman Hakeem JeffriesPentagon seeks to reduce Sen. Mark Kelly's retirement rank over video urging troops to refuse illegal orders | NBC NewsU.S. plan to ‘run' Venezuela clouded in confusion and uncertainty | The Washington PostSen. Amy Klobuchar considering run for Minnesota governor after Tim Walz ends reelection bid, sources say | CBS NewsGood TroubleThe federal government has proposed two new rules that could make it virtually impossible for transgender youth to get the health care they need. These proposed rules would: Block Medicaid and CHIP funding for gender-affirming care for transgender youth; and punish hospitals and providers that offer this care by threatening their ability to participate in Medicare and Medicaid altogether.Make your public comments opposing this!Submit Public CommentsFrom The Good Newswww.voteelmquist.comhttps://apnews.com/article/buddhist-monks-peace-texas-washington-16a91db6f9fa1c90f8c87efa907bb6a7https://www.facebook.com/walkforpeaceusa→Go To DailyBeansPod.com Click on ‘Contact' → ‘Good News and Good Trouble' to Share YoursSubscribe to the MSW YouTube Channel - MSW Media - YouTubeOur Donation LinksPathways to Citizenship link to MATCH Allison's Donationhttps://crm.bloomerang.co/HostedDonation?ApiKey=pub_86ff5236-dd26-11ec-b5ee-066e3d38bc77&WidgetId=6388736Allison is donating $20K to It Gets Better and inviting you to help match her donations. Your support makes this work possible, Daily Beans fam. Donate to It Gets Better / The Daily Beans FundraiserJoin Dana and The Daily Beans and support on Giving Tuesday with a MATCHED Donation http://onecau.se/_ekes71More Donation LinksNational Security Counselors - Donate

???? In this episode of PT Pintcast, Jimmy McKay sits down with Tony Maritato for a no-BS breakdown of what's broken in physical therapy — from EMR burnout and Medicare cuts to flexible scheduling, patient engagement, and why PT clinics should think more like golf courses.This conversation is a must-watch for:✅ Physical therapists✅ Clinic owners✅ Healthcare entrepreneurs✅ Anyone ready to “choose their hard” and rethink how we deliver value in 2026.Whether you're tired of CPT code chaos or just want a better way to run your practice, you're in the right place.???? CHAPTERS (click to skip):00:00 - Cold Open & Welcome02:45 - Why Your EMR is Killing You08:30 - CPT Code Crystal Ball (Satire Ad Read)13:45 - What Golf Teaches Us About Scheduling20:01 - PT Tee Time: Flex Pricing & Creative Booking29:50 - Medicare Reimbursement & Inflation Math35:12 - Why Advocacy is a Losing Game44:00 - Choose Your Hard: Exit or Evolve?50:33 - Final Rants: Adam Meakins, Mel Robbins & The Business of Business

Host Dr. Jay Anders welcomes back Amy Gleason, Acting Administrator of the U.S. DOGE Service and Strategic Advisor to the Centers for Medicare & Medicaid Services (CMS). Together they discuss healthcare data interoperability challenges and CMS's initiatives, including efforts to modernize systems and combat Medicare fraud through enhanced data access and AI implementation. This is a must-listen for anyone in health tech. Find all of our network podcasts on your favorite podcast platforms and be sure to subscribe and like us. Learn more at www.healthcarenowradio.com/listen/

In this episode of The Broker Link Podcast, the focus is on the Medicare Advantage Open Enrollment Period (OEP), which runs from January 1 through March 31. Josh Slattery breaks down what OEP means for both beneficiaries and agents, emphasizing that this window allows Medicare Advantage members to make a one-time plan change if their current coverage no longer meets their needs. The discussion covers key effective dates—and clarifies important marketing and compliance guidelines. While agents cannot actively urge beneficiaries to enroll during OEP, general marketing and education remain permitted. Josh also highlights the importance of retail presence and community outreach, particularly for members experiencing buyer's remorse after AEP. He provides historical context on OEP, noting its reintroduction in 2019, and clarifies that standalone Part D plans are not included during this period. This episode equips agents with the knowledge they need to stay compliant, support their clients effectively, and identify meaningful opportunities during OEP. Learn more about partnering with The Brokerage Inc. by visiting our website, www.thebrokerageinc.com. Remember to like, share, and subscribe to our show!  New episodes are available every Tuesday. Join our Community! LinkedIn: https://www.linkedin.com/company/the-brokerage-inc-/   Facebook:  https://www.facebook.com/thebrokerageinc/  Instagram:  https://www.instagram.com/thebrokerageinc/  YouTube:  https://www.youtube.com/@TheBrokerageIncTexas  Website:  https://thebrokerageinc.com/       

Send us a textThinking about retiring before 65… but not sure what you'll do for health insurance?

What if one decision today could reshape how you’re taxed in retirement? This episode breaks down the growing appeal of Roth 401(k)s, why recent rule changes matter, and how Roth conversions may impact everything from Medicare premiums to legacy planning. Frank and Frankie Guida explain the key considerations—income limits, tax brackets, deductions, and long-term strategy—so listeners can better understand how different retirement accounts influence their future. It’s a clear, practical look at evaluating your options as a new year begins. Schedule a complimentary appointment: A Better Way Financial CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops. Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.” Follow us on social media: Facebook | LinkedIn | YouTube See omnystudio.com/listener for privacy information.

How long would $1.5 million really last in retirement—and what if you’re forced to retire before you’re ready? In this episode, Art McPherson breaks down the realities of taxes, Social Security, and unexpected life changes, sharing practical strategies for building a resilient retirement plan. From navigating Medicare premiums to setting meaningful goals instead of empty resolutions, discover how to adapt, thrive, and make your money work for you—no matter what the new year brings. For more information visit www.artofmoney.com! Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

The widely publicized Somali daycare fraud scandal in Minnesota is being deliberately amplified now to stoke outrage while obscuring larger geopolitical moves involving Israel, Somaliland, and the Middle East. As Jimmy points out, the fraud storyis linked to claims that Israeli intelligence, U.S. officials, and Gulf states are coordinating around recognizing Somaliland, building military facilities near the Red Sea, and countering Houthi activity tied to Yemen and Iran.  Jimmy shares past statements from General Wesley Clark, allegations about redirected U.S. aid money, and accusations that elite corruption and pardons for large-scale Medicare fraud receive far less scrutiny. These claims, he says, serve as a "distraction" narrative, suggesting the scandal serves broader strategic interests rather than being an isolated case of domestic fraud. Plus segments on President Trump saying he'll bomb Iran, Alex Jones' recent unhinged attacks on Candace Owens and Tucker Carlson's questions about the FBI's investigation into Charlie Kirk's assassination. Also featuring Stef Zamorano!

Every successful real estate development starts long before the first shovel hits the ground. From concept and capital stack to design, construction, and operations—understanding the process is key to building with purpose. In this episode, Steve Achram and Peter Skornia of Cella Building Company in Grand Rapids, Michigan, share a step-by-step guide to sustainable development and walk us through their Wealthy & Sheldon project—an example of how thoughtful design, solid financial modeling, and community collaboration can turn a vision into a high-performing building. We cover: What goes into a bulletproof proforma and capital stack How to conduct site due diligence and align with municipal priorities Using grants and incentives like the Emerging Developer Grant in Grand Rapids The full timeline from concept to construction to operations How sustainability and community equity drive long-term value Lessons learned from the Wealthy & Sheldon mixed-use development Why affordable and attainable housing starts with smart design How Cella is using (and approaching) AI tools in their business Whether you own land or are just exploring development, this episode demystifies what it takes to plan, finance, and deliver a successful project that serves both people and planet. Learn More: https://cellagr.com Contact Steve: sachram@cellagr.com RPOAM Webinar: Beyond Rent Checks: Boost Health, Go Green, and Unlock Hidden Profit in Your Portfolio – January 26, 2026 (Register here: https://bit.ly/49qGKV7) Today's episode is brought to you by Green Property Management, managing everything from single family homes to apartment complexes in the West Michigan area. https://www.livegreenlocal.com And RCB & Associates, helping Michigan-based real estate investors and small business owners navigate the complex world of health insurance and Medicare benefits. https://www.rcbassociatesllc.com

Catherine Olexa-Meadors, head of growth and partnerships at Town Hall Ventures, joins Josh Israel, MD, and Sean Cavanaugh to discuss the recently announced ACCESS (Advancing Chronic Care with Effective, Scalable Solutions) Model from the Center for Medicare and Medicaid Innovation (CMMI), also known as the CMS Innovation Center. They explain the new payment system, which includes outcome-aligned payments tied to demonstrating improved patient outcomes, and how advances in technology, specifically in digital patient engagement, could help this model succeed. They also explore challenges, including the delay in the announcement of payment rates and the concern that patients not in an accountable care organization (ACO) may not have someone monitoring the total cost of care.   Watch the full episode on YouTube   Listen to Episode 193: Breaking down CMMI's new strategy with Abe Sutton, director of CMMI, and Farzad Mostashari, MD

Dr. Travis Morrell, chair of Colorado Principled Physicians and a senior fellow at Do No Harm Medicine, joins me to pull back the curtain on what he calls the "medical mafia"—the intricate web of organizations led by the American Medical Association that manufactures the illusion of consensus on controversial medical practices, particularly pediatric sex trait modification.We explore how the AMA maintains its power despite only 15% of American doctors being members. The answer lies in a government-mandated monopoly: the AMA holds the copyright on CPT codes—the procedural codes every healthcare provider in the country must use to bill insurance and Medicare. This generates hundreds of millions in revenue annually, which the AMA then uses to lobby politicians, influence other medical organizations, and train activists within specialty societies to align with their positions.Travis explains how this money flows into shadow organizations like Race Forward to push diversity, equity, and inclusion initiatives that ultimately tie back to gender ideology in medicine. We discuss the physical harms of cross-sex hormones on women—including vaginal atrophy, pelvic floor dysfunction, and incontinence affecting over 95% of female patients on testosterone—and why Travis compares these effects to female genital mutilation. We also discuss what everyday people and physicians can do to push back against this institutional capture, and why speaking up—even privately—is a moral duty.Travis Morrell, MD, MPH, is a dad, husband, and physician. A lifelong learner to a fault, his postgraduate medical training in five specialty departments and medical leadership gives him a broad perspective of his profession. He is published in the top journals of multiple fields and in popular media. Dr. Morrell is a Senior Fellow at Do No Harm Medicine. He is Chair of Colorado Principled Physicians, a grassroots organization of physicians promoting evidence-based medicine and classical liberal values.The X thread mentionedX: @MorrellMDmphProtect Kids ColoradoColorado Principled PhysiciansStop the Harm Database[00:00:00] Start[00:00:46] Introducing Dr. Travis Morrell[00:09:30] The AMA's $450 Million Empire and CPT Code Monopoly[00:17:34] How the AMA Controls Other Medical Organizations[00:30:53] Who's Driving the Gender Ideology Agenda[00:44:35] Cross-Sex Hormones as Female Genital Mutilation[00:49:06] Physical Harms of Testosterone on Women[01:07:01] What Doctors and Patients Can Do[01:10:51] Why Doctors Alone Won't Save the Day[01:17:43] Compassion for Affected Kids and Families[01:18:47] Where to Find Dr. Travis MorrellROGD REPAIR Course + Community gives concerned parents instant access to over 120 lessons providing the psychological insights and communication tools you need to get through to your kid. Now featuring 24/7 personalized AI support implementing the tools with RepairBot! Use code SOMETHERAPIST2026 to take 50% off your first month.PODCOURSES: use code SOMETHERAPIST at LisaMustard.com/PodCoursesTALK TO ME: book a meeting.PRODUCTION: Looking for your own podcast producer? Visit PodsByNick.com and mention my podcast for 20% off your initial services.SUPPORT THE SHOW: subscribe, like, comment, & share or donate.Watch NO WAY BACK: The Reality of Gender-Affirming Care. Use code SOMETHERAPIST to take 20% off your order.MUSIC: Thanks to Joey Pecoraro for our song, “Half Awake,” used with gratitude & permission.ALL OTHER LINKS HERE. To support this show, please leave a rating & review on Apple, Spotify, or wherever you get your podcasts. Subscribe, like, comment & share via my YouTube channel. Or recommend this to a friend!Learn more about Do No Harm.Take $200 off your EightSleep Pod Pro Cover with code SOMETHERAPIST at EightSleep.com.Take 20% off all superfood beverages with code SOMETHERAPIST at Organifi.Check out my shop for book recommendations + wellness products.Show notes & transcript provided with the help of SwellAI.Special thanks to Joey Pecoraro for our theme song, “Half Awake,” used with gratitude and permission.Watch NO WAY BACK: The Reality of Gender-Affirming Care (our medical ethics documentary, formerly known as Affirmation Generation). Stream the film or purchase a DVD. Use code SOMETHERAPIST to take 20% off your order. Follow us on X @2022affirmation or Instagram at @affirmationgeneration.Have a question for me? Looking to go deeper and discuss these ideas with other listeners? Join my Locals community! Members get to ask questions I will respond to in exclusive, members-only livestreams, post questions for upcoming guests to answer, plus other perks TBD. ★ Support this podcast on Patreon ★

This time on Code WACK! As healthcare costs skyrocket and Americans face new coverage threats, California advocates are pushing for something bigger than simple fixes around the edges. We're joined by longtime healthcare organizer Michael Lighty, who breaks down the fight for single payer, what's at stake in 2026, and why unity may be the key to winning guaranteed healthcare for all. Michael is the president of Healthy California Now and has organized, advocated and developed policy for single payer Medicare for All nationally and in California for more than 30 years. This is the second episode in a two-part series with Michael Lighty.  Check out the Transcript and Show Notes for more! And please keep Code WACK! on the air with a tax-deductible donation.    

Join us at the Seven Figure Medicare Agent Summit: https://sevenfiguremedicareagentsummit.com/On this episode of the Seven Figures or Bust podcast, we sit down with David Cheatham to break down exactly how to set yourself up for your best year ever in 2026

Rapid disenrollments don't have to happen to you! Learn how better communication can smooth over most Medicare plan disenrollment issues. We outline 8 strategies that are simple for agents to implement.   Read the text version  

As we enter a new year and a new season for this podcast, I would like to offer this 3 part series as a resource to all in Oklahoma.  Many republicans have never read the entire Republican Party Platform, so I wanted to make it easier for everyone who carreis the label "Republican" to know exactly what that means and what the GOP in Oklahoma has collectively decided to prioritize.  This is Part 1 of this 3 part series where I read the platform verbatim without commentary.  Please enjoy and share!    Shout out to my amazing sponsors that make this podcast possible! Motus Health - THE best chiropractor in the state. Dr. Jeremy Maass and team offer the best in functional medicine and chiropractic care.  They have a full range of services to get you out of pain and living your life to the max!  Check them out here: motushealth.com   Michael McGuire with McGuire Capitol Planning for a secure retirement? Then you need to Meet my friend, Michael McGuire, CEO of McGuire Capital Advisors with over 30 years of experience helping Oklahomans protect and grow their wealth. From asset allocation and risk management to income planning, life insurance, Medicare strategies, retirement planning, enhanced estate planning, and smart tax strategies—Michael delivers personalized solutions tailored to you. Get your complimentary consultation today. Visit mcguirecap.com or call Michael directly at 405-760-5863.   Stevens Trucking Stevens Trucking maintains over 350 power units in our fleet so we ensure our customers and drivers always have top of the line equipment With over 1,600 trailers, we are able to offer a drop-and-hook solution to keep your freight moving quickly and secure. While also helping our drivers get extra miles so they can keep on pullin' more loads. https://stevenstrucking.com

   MEDICARE ADVANTAGE MINUTE:                                                                    THE FUTURE FOR(?) MEDICARE ADVANTAGE!  Includes a hint that funding for SHIP may be on the bubble in 2026!                                                         Eleven costly Medicare Mistakes you should avoid!      These include The Drug plan selection problems, HSA precautions and MA vs Medicare Supplement differences. Contact me at: DBJ@MLMMailbag.com (Most severe critic: A+)                   Visit us on: BabyBoomer.ORG Inspired by: "MEDICARE FOR THE LAZY MAN 2026; SIMPLEST & EASIEST GUIDE EVER!" "MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE" "MEDICARE FOR THE LAZY MAN: BARE BONES!" For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers. Official website: https://www.MedicareForTheLazyMan.com.

If retirement is starting to feel real, there are important decisions that need to be addressed before that final paycheck.In this episode, we walk through our Retirement Ready Checklist, a 9-step process we use to help families understand what deserves attention before retirement, not after. It's designed to bring clarity, confidence, and organization to one of the biggest transitions of your life.Rather than focusing on products or predictions, this episode is about awareness, organization, and confidence — helping you see the full picture of your retirement so you can make informed decisions moving forward.--Get the tools you need to prepare for retirement with the Retirement Ready Checklist: https://bit.ly/4apw5w3Ready to take the next step? Schedule a RetireReady Call at https://bit.ly/48YO36e--Loren Merkle, CFP®, RICP®, Certified Financial Fiduciary®https://merkleretirementplanning.com/staff-members/loren-merkle/AnnaMarie Morrow, Director of Medicare & Long-Term Carehttps://merkleretirementplanning.com/staff-members/annamarie-morrow/Molly Nelson, Host of Retiring Today with Loren Merklehttps://merkleretirementplanning.com/staff-members/molly-nelson/--This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation.Medicare services provided through MRP Insurance, LLC. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by Elite Retirement Planning, LLC. MRP Insurance, LLC, is not affiliated with or endorsed by any government agency. This is an advertisement for insurance. By responding to the ad, you will be put in contact with a licensed insurance agent offering Medicare Advantage Plans, Medicare Supplement Plans, and Prescription Drug Plans. We do not offer every plan available in your area. Currently we represent [5] organizations which offer [22] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

169 Understanding Deathbed Phenomena with Alison Potter RN In episode 169 of 'Hospice Explained,' host Alison Potter, a palliative RN, discusses various end-of-life experiences shared in previous episode number 12 of 'Hospice Encounters.' Alison, who runs grief support seminars and groups in Calgary, shares intriguing stories about deathbed phenomena, a field with scientific backing. These include patients sensing the presence of deceased loved ones or pets offering them comfort in their final moments. The episode emphasizes the importance of being curious and open to these experiences to provide peace and understanding to those nearing the end of their lives and their families. Alison also notes the significance of memorializing death stories positively for lasting impacts on families. Tune in for a heartfelt discussion on the enriching aspects of end-of-life care and the myths surrounding deathbed phenomena. 00:00 Introduction and Disclaimer 00:29 Episode Introduction 00:59 Guest Introduction: Alison Potter RN 01:29 Alison's Work and Services 01:47 Seminars and Support Groups 02:53 Deathbed Phenomena 04:38 Personal Stories of Deathbed Phenomena 10:39 The Importance of Peaceful End-of-Life Experiences 16:16 Final Thoughts and Farewell https://expectedoutcome.ca/   If you want to help, you can donate to help support Hospice Explained at the Buy me a Coffee link   https://www.buymeacoffee.com/Hospice  Hospice Explained Affiliates & Contact Information Buying from these Affilite links will help support this Podcast.  Maire introduces a partnership with Suzanne Mayer RN inventor of the  cloud9caresystem.com,  When patients remain in the same position for extended periods, they are at high risk of developing pressure injuries, commonly known as bedsores. One of the biggest challenges caregivers face is the tendency for pillows and repositioning inserts to easily dislodge during care.(Suzanne is a former guest on Episode #119) When you order with Cloud 9 care system, please tell them you heard about them from Hospice Explained.(Thank You)  If you would, you can donate to help support Hospice Explained at the Buy me a Coffee link  https://www.buymeacoffee.com/Hospice Marie's Contact Marie@HospiceExplained.com www.HospiceExplained.com   Finding a Hospice Agency 1. You can use Medicare.gov to help find a hospice agency, 2. choose Find provider 3. Choose Hospice 4. then add your zip code This should be a list of Hospice Agencies local to you or your loved one.

In this episode of The Better Life, Dr. Pinkston sits down with Dr. Marschall Runge, Dean of the University of Michigan Medical School and CEO of Michigan Medicine. Together, they explore the systemic challenges facing the American healthcare system and discuss the optimistic future outlined in Dr. Runge’s new book, The Great Healthcare Disruption. The conversation dives deep into the "corporatization" of medicine, where insurance companies and administrative costs often take precedence over the doctor-patient relationship. Dr. Runge highlights a startling statistic: while the U.S. spends the most on healthcare globally, it ranks roughly 60th in "healthy average life expectancy." They discuss potential solutions, including shifting focus toward prevention, learning from international models like Singapore and Denmark, and restoring the fundamental trust between physicians and their patients. Key Topics Covered: The Efficiency Gap: Comparing the 16% administrative costs of private insurance to the 2% cost of Medicare. The Preventive Approach: How lifestyle factors, nutrition, and social policy impact long-term health outcomes. AI in Healthcare: The double-edged sword of AI being used by insurance companies to drive high denial rates. The Primary Care Shortage: Why the U.S. has fewer primary care doctors per capita than almost any other developed nation and how "medical homes" can bridge the gap. Restoring Trust: Moving away from "Reddit-based" medical advice and back to evidence-based care provided by trusted professionals. See omnystudio.com/listener for privacy information.

January 2, 2026 In this episode, Scott, Mark, and Dr. John Lin dive into the complexities of billing G2211, the Medicare add-on code for complex E/M visits, which now pays nearly $18 per use. They unpack a real-world case where a hospital system's blanket use of modifier 25 is preventing employed physicians from getting reimbursed for G2211, potentially costing them thousands in RVUs. The discussion covers payer-specific rules, how to appeal inappropriate denials, how contract structure affects physician compensation, and when to fight for carve-outs. They also explore why every urology practice should reassess payer mix and drop underperforming contracts when appropriate.Urology Advanced Coding and Reimbursement SeminarInformation and RegistrationPRS Coding and Reimbursement HubAccess the HubFree Kidney Stone Coding CalculatorDownload NowPRS Coding CoursesFor UrologistFor APPsFor Coders, Billers, and AdminsPRS Billing and Other Services - Book a Call with Mark Painter or Marianne DescioseClick Here to Get More Information and Request a Quote Join the Urology Pharma and Tech Pioneer GroupEmpowering urology practices to adopt new technology faster by providing clear reimbursement strategies—ensuring the practice gets paid and patients benefit sooner.         https://www.prsnetwork.com/joinuptpClick Here to Start Your Free Trial of AUACodingToday.com   The Thriving Urology Practice Facebook group.The Thriving Urology Practice Facebook Group link to join:https://www.facebook.com/groups/ThrivingPractice/ 

Social Security and Medicare aren't abstract programs — they keep millions of Americans alive. Critics warn Trump-backed policies could force seniors and disabled Americans to delay or skip lifesaving care. We break down what's changing, who's at risk, and why this could become a public health emergency. Executive Director of Social Security Works, Alex Lawson joins Thom to break it down. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

The countries within the EU and the U.K. have dealt with overwhelming censorship for decades now, is an all out assault on free speech coming to America? In the United Kingdom, 30 people are arrested every day for social media posts, retweets or even cartoons. Michael Shellenberger has been monitoring this dangerous trend and recently spoke to the EU Parliament. A very unpopular group of European leaders don't like when they see dissenting voices on the internet. Shellenberger describes a system in which the EU appoints so-called “trusted flaggers” – NGOs and academics who receive special access to the platforms' data in order to identify content that is to be removed. While President Trump has defunded a lot of the censorship taking place under Biden, this global censorship campaign has its sights set on America next. President Trump signed an executive order to move marijuana from Schedule 1 to Schedule 3, allowing medical research to be done for cannibodial medical purposes. Dr Oz is here today to discuss what this means for patients in pain or suffering from PTSD. As administrator of the Center for Medicaid and Medicare services, Dr Oz has already blocked fraudsters trying to scam Medicare. There are many sophisticated operations, including foreign governments that are attacking and defrauding Obamacare. As President Trump secured a victory in prescription drug pricing, Dr Oz is optimistic about getting real healthcare reform for American citizens. Featuring: Michael Shellenberger Founder | Public News https://www.public.news/ Dr. Mehmet Oz Administrator | Center for Medicaid & Medicare Services https://www.doctoroz.com/ Today's show is sponsored by: Beam Do you want to wake up in the middle of the night and scare Santa away and ruin Christmas? Of course you don't, you want to wake up refreshed, inspired and ready to take Christmas day or any day! You need Beam's Dream powder. This best-selling blend of Reishi, Magnesium, L-Theanine, Apigenin and Melatonin will help you fall asleep, stay asleep, and wake up refreshed. So if you're ready for the best night of sleep you ever had just head to https://shopbeam.com/SPICER to receive 40% off your order. Delta Rescue Delta Rescue is one the largest no-kill animal sanctuaries. Leo Grillo is on a mission to help all abandoned, malnourished, hurt or suffering animals. He relies solely on contributions from people like you and me. If you want to help Leo to continue his mission of running one of the best care-for-life animal sanctuaries in the country please visit Delta Rescue at: https://deltarescue.org/ ------------------------------------------------------------- 1️⃣ Subscribe and ring the bell for new videos: https://youtube.com/seanmspicer?sub_confirmation=1 2️⃣ Become a part of The Sean Spicer Show community: https://www.seanspicer.com/ 3️⃣ Listen to the full audio show on all platforms: Apple Podcasts: https://podcasts.apple.com/us/podcast/the-sean-spicer-show/id1701280578 Spotify: https://open.spotify.com/show/32od2cKHBAjhMBd9XntcUd iHeart: https://www.iheart.com/podcast/269-the-sean-spicer-show-120471641/ 4️⃣ Stay in touch with Sean on social media: Facebook: https://facebook.com/seanmspicer Twitter: https://twitter.com/seanspicer Instagram: https://instagram.com/seanmspicer/ 5️⃣ Follow The Sean Spicer Show on social media: Facebook: https://facebook.com/seanspicershow Twitter: https://twitter.com/seanspicershow Instagram: https://instagram.com/seanspicershow Learn more about your ad choices. Visit megaphone.fm/adchoices

This time on Code WACK! Today, we're talking about rising healthcare costs and the renewed momentum behind Medicare for All. Recent polling shows majority support for the idea across Democrats, independents, and even a notable share of Republicans, even when voters are told it would replace most private insurance and require higher taxes. As premiums, deductibles, and out-of-pocket costs continue to climb, healthcare affordability is once again at the forefront of the political debate. To help us unpack what's driving this support and whether it represents a real political opportunity, we're joined by longtime healthcare advocate and policy strategist Michael Lighty, president of Healthy California Now and former healthcare constituency director for the Bernie 2020 campaign. This is the first of two episodes with Michael Lighty. Check out the Transcript and Show Notes for more! And please keep Code WACK! on the air with a tax-deductible donation.

Judith Waltz, Partner, Foley & Lardner LLP, Faraz Siddiqui, Assistant General Counsel, Memorial Sloan Kettering Cancer Center, David Lazarus, Partner, Foley Hoag LLP, and John Hood, Associate, Akerman LLP, discuss some of the key health law developments from 2025 and what to expect in 2026. They cover a wide range of legislative, regulatory, and judicial issues, focusing on Medicare and Medicaid, public health, civil and criminal enforcement, and drug development. Waltz, Siddiqui, Lazarus, and Hood are editors of AHLA's bestselling title, Federal Health Care Laws and Regulations.Watch this episode: https://www.youtube.com/watch?v=9H7hOIesrDALearn more about AHLA's Federal Health Laws and Regulations: https://store.lexisnexis.com/ahla/products/ahla-federal-health-care-laws-and-regulations-ahla-members-grpussku5626742m.html Essential Legal Updates, Now in Audio AHLA's popular Health Law Daily email newsletter is now a daily podcast, exclusively for AHLA Comprehensive members. Get all your health law news from the major media outlets on this podcast! To subscribe and add this private podcast feed to your podcast app, go to americanhealthlaw.org/dailypodcast. Stay At the Forefront of Health Legal Education Learn more about AHLA and the educational resources available to the health law community at https://www.americanhealthlaw.org/.

This past year marked the 60th anniversary of Medicare and Medicaid, the twin government programs that have shaped the health care system into what it is today. In this special episode, re-aired for the holidays, KFF Health News' Julie Rovner interviews two experts on the history, significance, and future of these perennially popular programs. First up, Medicare historian and University of North Carolina health policy professor Jonathan Oberlander talks about Medicare. He's followed by Sara Rosenbaum of the George Washington University, who has not only studied Medicaid since nearly its beginning but has helped shape Medicaid policy over the past four decades.Visit our website for a transcript of this episode.

Every January, millions of people set fresh goals: eat healthier, exercise more, or get their finances in better shape. These are good and worthy aims. Yet studies consistently show that most resolutions fade within a few weeks.So if this is the year you want to steward money more wisely—get out of debt, save consistently, or live with greater margin—what actually helps habits last beyond January?The answer isn't more motivation. It's a better foundation.Why Good Intentions Aren't EnoughResolutions often fail for predictable reasons. We set goals that are vague or unrealistic. We don't connect them to a meaningful “why.” Or we jump in without a system to support change. When life gets busy or discouraging—as it always does—old habits quickly take over.If you've ever tried to stick to a spending plan, curb impulse purchases, or make steady progress on debt, you know those difficult moments will come. Lasting change doesn't happen by hoping harder. It happens when old patterns are replaced with new, intentional habits.The Power of a PlanOne of the most common reasons financial resolutions fail is simple: we try to change without a plan. But you can't hope your way into better money habits.A spending plan turns good intentions into clear, practical choices. It gives your money direction and helps automate progress so your goals become part of everyday life—not just something you think about when motivation is high.More than that, a plan allows you to steward what God has entrusted to you with purpose and clarity, rather than relying on willpower alone.Accountability Makes Progress StickWe were never meant to pursue growth in isolation. Accountability strengthens resolve and keeps discouragement from becoming defeat.Invite a trusted friend to check in with you regularly. Make it a family goal to reduce spending or save consistently. Celebrate wins together—and when you fall short, don't quit. Reset and keep going.Stewardship is a journey, not a single moment of success.Willpower Isn't Enough—You Need God's StrengthEven with a solid plan, many people still struggle to keep their resolutions. Often, it's because they're trying to do it all in their own strength.Lasting change requires spiritual power, not just discipline. Scripture reminds us of this truth:“No discipline seems pleasant at the time, but painful. Later on, however, it produces a harvest of righteousness and peace for those who have been trained by it.” — Hebrews 12:11New habits often feel uncomfortable at first. A budget can feel restrictive. Cutting back can feel frustrating. Saying no to impulse purchases can feel like a sacrifice. But God promises that discipline rooted in faith produces something beautiful over time—peace, stability, and a life aligned with His wisdom.That's why prayer matters. Ask God to reshape your desires, guide your decisions, and strengthen you when the novelty wears off. If you're married, pray together, inviting the Lord to give you unity as you pursue shared financial goals.Build S.M.A.R.T. Financial GoalsOnce your plans are grounded in prayer, structure matters. One of the most effective ways to build that structure is by setting S.M.A.R.T. financial goals—goals that are:SpecificDon't say, “I want to save more.” Say, “I will save $100 each month.” Clear goals are easier to follow.MeasurableTracking progress keeps you motivated. Seeing balances change and debt shrink builds momentum.AchievableDon't expect to undo years of financial strain in a few weeks. Small wins compound over time—and they prevent discouragement.RealisticDream boldly, but plan honestly. Your goals should reflect your actual income and expenses—not depend on debt to fill the gaps.TimelyEvery goal needs a timeframe. Whether you're saving, paying down debt, or building margin, set milestones and review your plan regularly to adjust and keep moving forward.A Better Measure of SuccessAs you set financial goals for the new year, remember that every number tells a story—about God's provision, your heart's priorities, and the opportunities He gives you to bless others.Success isn't measured by how much you accumulate, but by how clearly your finances point to Jesus as your ultimate treasure.If you'd like help building habits that last, the FaithFi app is designed to help you create a plan, track progress, and stay encouraged along the way. You can find it in your app store or visit FaithFi.com to learn more.Faithful stewardship isn't about perfection—it's about steady, surrendered steps forward.On Today's Program, Rob Answers Listener Questions:A credit card company is suing a family member over about $12,000 in debt. His wages are now being garnished, and he's worried about losing his home and damaging his credit. His wife ran up the debt without his knowledge. Is there any advice I can give him? Would filing for bankruptcy stop the wage garnishment, or is it too late since the case is already in court?I set up a TreasuryDirect account, but can't figure out how to convert my paper I Bonds to electronic form. The website isn't clear about how to add them. What steps do I need to take to convert them?My wife and I just turned 64, and both work at the same Christian school. We have an eight-year-old, and our employer offers a family health plan that covers all of us. As we approach Medicare age, do we have to leave the family plan? What do we need to do about enrolling in Medicare, and how does it affect our child's coverage?I've used your financial small-group curriculum before. Do you currently offer any small-group resources or curriculum? If so, what would you recommend?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)TreasuryDirect.gov | Converting Paper Bonds to Electronic BondsWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode, Mardi Winder sits down with Marcia Mantell to talk about one of the most important and often overlooked parts of life after divorce. your financial future. Marcia brings years of experience helping women understand retirement planning, Social Security, and how to rebuild confidence around money, especially when a divorce changes everything you thought your future would look like.Together, Mardi and Marcia talk about why so many women feel uncertain when it comes to long-term planning and how divorce can leave you feeling like you are starting over. Marcia explains in clear, practical language what women often miss when they are focused on simply getting through the legal settlement and why it matters to look further ahead. She also explains the Social Security formula and how the system offers an option for women or men who have spent years out of the workforce due to children or other issues. Together, they explore how to ask better questions, how to work with financial professionals, and how to step into money conversations with more clarity instead of fear or doubt. Marcia also shares insight into the unique challenges of divorce later in life and what women need to know about Social Security timing, benefits, and creating a sustainable plan for the years ahead. Throughout the conversation, listeners are reminded that it is never too late to get informed, make empowered decisions, and build a future they feel secure in.This episode is both reassuring and practical, offering thoughtful guidance for anyone who wants to feel more confident, prepared, and at peace about what comes next financially after divorce.About the Guest:Marcia Mantell is the founder of her own small business, Mantell Retirement Consulting, which is celebrating 20 years this year. Marcia is known for taking the complicated retirement, Social Security, and Medicare rules and translating them into language we can all better understand. And she's the author of 4 retirement books, a long-time blogger, a media columnist, and a podcast guest. Whether writing about or talking about retirement, she takes the opportunity to share as many helpful tips and tricks as possible. It's all about making a successful transition into retirement.To connect with Marcia and access her complimentary resources: https://boomerretirementbriefs.com/LinkedIn: https://www.linkedin.com/in/marciamantell/ Facebook: https://www.facebook.com/search/top?q=boomer%20retirement%20briefsAbout the Host: Mardi Winder is an ICF and BCC Executive and Leadership Coach, Certified Divorce Transition Coach, Certified Divorce Specialist (CDS®) and a Credentialed Distinguished Mediator in Texas. She has worked with women in executive, entrepreneur, and leadership roles, navigating personal, life, and professional transitions. She is the founder of Positive Communication Systems, LLC, and host of Real Divorce Talks, a quarterly series designed to provide education and inspiration to women at all stages of divorce. Are you interested in learning more about your divorce priorities? Take the quiz "The Divorce Stress Test".Connect with Mardi on Social Media:Facebook - https://www.facebook.com/Divorcecoach4womenLinkedIn: https://www.linkedin.com/in/mardiwinderadams/Instagram: https://www.instagram.com/divorcecoach4women/Youtube: https://www.youtube.com/@divorcecoach4womenThanks for Listening!Thanks so much for listening to our podcast! If you enjoyed this episode and think that others could benefit from listening, please share it using the social media buttons on this page.Do you have feedback or questions about this episode? Leave a comment in the section below!Subscribe to the PodcastIf you would like to get automatic updates of new podcast episodes, you can subscribe to...

Wendell Potter exposes Medicare Advantage as a Wall Street scam draining Medicare while media manipulates the narrative after Charlie Kirk's death. A hard truth conversation America needs.Subscribe to our Newsletter:https://politicsdoneright.com/newsletterPurchase our Books: As I See It: https://amzn.to/3XpvW5o How To Make AmericaUtopia: https://amzn.to/3VKVFnG It's Worth It: https://amzn.to/3VFByXP Lose Weight And BeFit Now: https://amzn.to/3xiQK3K Tribulations of anAfro-Latino Caribbean man: https://amzn.to/4c09rbE

Toni has spent more than 27 years as a top sales leader in the Medicare and health insurance fields. She has also conducted “Confused about Medicare “ workshops throughout America. She took the Medicare and You handbook and put it into “people terms” so the average person could understand Medicare.Whether Toni is consulting with a client in the office or giving a “Confused about Medicare” workshop to hundreds of people, she emphasizes her mottos: “Medicare is NOT Cookie-Cutter” and “What You Don't Know WILL Hurt You!” Not understanding the rules and guidelines of Medicare can cause you to make costly mistakes that will last a lifetime. Whether you are helping your parents understand Medicare or choosing a plan for yourself, let Toni Says® Medicare office show you how to navigate your way through what has become the Medicare maze!She is the author of Medicare and You handbook. https://tonisays.com/http://www.yourlotandparcel.org

Chris returns to redeem himself after episode 1600, discussing resilience, family health improvements, AI in diabetes care, and an unbelievable story about inheriting land and a battleship. Go tubeless with Omnipod 5 or Omnipod DASH * Dexcom G7 CONTOUR NextGen smart meter and CONTOUR DIABETES app Get your supplies from US MED  or call 888-721-1514 Tandem Mobi  twiist AID System Free Juicebox Community (non Facebook) Type 1 Diabetes Pro Tips - THE PODCAST Eversense CGM Medtronic Diabetes Drink AG1.com/Juicebox Touched By Type 1 Take the T1DExchange survey Use code JUICEBOX to save 40% at Cozy Earth  Apple Podcasts> Subscribe to the podcast today! The podcast is available on Spotify, Google Play, iHeartRadio, Radio Public, Amazon Music and all Android devices The Juicebox Podcast is a free show, but if you'd like to support the podcast directly, you can make a gift here or buy me a coffee. Thank you! * The Pod has an IP28 rating for up to 25 feet for 60 minutes. The PDM is not waterproof. Among all paid Omnipod 5 G6G7 Pods Commercial and Medicare claims in 2024. Actual co-pay amount depends on patient's health plan and coverage, they may be higher or lower than the advertised amount. Source IQVIA OPC Library. Disclaimer - Nothing you hear on the Juicebox Podcast or read on Arden's Day is intended as medical advice. You should always consult a physician before making changes to your health plan.  If the podcast has helped you to live better with type 1 please tell someone else how to find it!  

At age 12, Chloe Cole began identifying as male and started socially transitioning. Soon after, she was put on puberty blockers. Testosterone injections followed at age 13, and she underwent a double mastectomy at 15.Shortly after the surgery, she realized that it had all been a terrible mistake: “I didn't believe that I was a boy ... until that idea was put in my head.”When she decided to detransition, the community that once eagerly encouraged her to transition into a boy treated her like she was “subhuman,” she says.“The moment that I detransitioned, I was human garbage to them,” she says.Now she has become one of the most vocal critics of what's been dubbed “gender-affirming care” for minors.Under the Trump administration, several measures have been put in place to end the medical transitioning of minors: In January, President Donald Trump issued the executive order “Protecting Children from Chemical and Surgical Mutilation.”Earlier this month, the Centers for Medicare & Medicaid Services proposed a new rule that prohibits hospitals that perform “sex-rejecting” procedures on minors from participation in Medicare and Medicaid Programs. HHS Secretary Robert F. Kennedy Jr. recently spoke out against such procedures for minors and described them as medical malpractice.And days ago, the House of Representatives voted to pass a bill that could imprison health care providers for providing these procedures to minors.Cole, who is 21 years old today, supports such measures to put an end to medical transitioning of minors, but she's convinced that this is not enough: “This doesn't end with bans. We have to go all out and hold everybody who was involved accountable.”And that's what she's doing: Cole filed a high-profile lawsuit in California against her healthcare provider, Kaiser Permanente, as well as her surgeon, endocrinologist, and the psychologist who referred her to surgery, alleging medical negligence, lack of informed consent, and fraud in placing her on puberty blockers, testosterone, and performing a double mastectomy.Her legal team, among them Dhillon Law Group and the Center for American Liberty, has added punitive damages claims, presenting her case as a test of whether “gender-affirming” treatment for minors will be treated as malpractice in U.S. courts.“It's something that has to be illegalized on both the state and federal level, so that no child ever is going to be hurt ever again,” she said, adding, “We have to go after the manufacturers or the drugs of the medical devices that they are giving to children.”Since 2022, Chloe has testified before multiple state legislatures. She also testified in the 2023 U.S. House Judiciary Committee hearing titled “The Dangers and Due Process Violations of ‘Gender-Affirming Care' for Children.”“Testimonies of people like me, who come out of it, who speak to the truth, are so threatening to them, because it completely dismantles their ideology,” she said.Views expressed in this video are opinions of the host and the guest, and do not necessarily reflect the views of The Epoch Times.

Jeremy Keil explains the 5 steps you can take if you are planning to retire in 2026 or 2027. If you've been planning to retire in 2026 or 2027, it might feel like you still have plenty of time. But in reality, retirement has a way of showing up earlier than expected — and when it does, the people who feel the most confident are the ones who prepared well in advance. In this episode of Retire Today, I walk through five things you should do before you quit working if retirement is anywhere on your near-term horizon. These steps aren't about picking a perfect retirement date. They're about being ready — even if your plans change. Why You Should Prepare Earlier Than You Think Two important statistics shape this entire conversation. First, the stock market is historically up about 70% of the time in any given year. That also means it's down about 30% of the time. If you're retiring soon, there's a real chance that your account balances could be lower at retirement than they are today. Second, most Americans retire about three years earlier than they expect. Health changes, job shifts, burnout, or family needs often move retirement forward — whether planned or not. That's why I encourage people to prepare for retirement three years ahead of time, even if they believe they'll work longer. Planning early gives you flexibility. Waiting too long removes it. 1. Create a Written Retirement Plan The first and most important step is to put your plan in writing. Many people have a retirement date in mind, but when asked how everything will actually work, they don't have clear answers. A written plan forces clarity. This is where the 5-Step Retirement Plan comes in: What you'll SPEND What you'll MAKE What you'll KEEP after taxes How you'll INVEST What you'll LEAVE behind Writing this down helps turn vague ideas into an actionable roadmap — and exposes gaps before they become problems. 2. Build a Lifetime Income Plan Retirement isn't about having a big account balance — it's about knowing where your income will come from every month. Before you retire, you should know: How much income you need Where that income will come from Which accounts you'll use first How taxes affect each withdrawal At a minimum, you should map out the first 12 months of retirement income in detail. That includes Social Security, pensions, savings, brokerage accounts, and retirement accounts — and the tax rules that apply to each one. Surprises here are costly. Planning removes them. 3. Make Your Retirement Plan Tax-Smart Many people assume their taxes will automatically go down in retirement. Sometimes that's true — but not always. Pensions, Social Security, required minimum distributions, and investment income can push retirees into higher tax brackets than expected. The key is understanding when you'll have flexibility and using it intentionally. Retirement often creates opportunities to: Shift income between tax years Take advantage of lower tax brackets Manage Roth conversions strategically Plan around healthcare subsidies Taxes don't disappear in retirement — they change. Planning ahead helps you adapt. 4. Plan Your Retirement Healthcare Healthcare is one of the biggest unknowns in retirement. Before you retire, you should know: What coverage you'll use immediately What it will cost How that coverage changes over time When Medicare becomes part of the picture Options may include employer coverage through a spouse, COBRA, retiree health plans, ACA plans, or Medicare — and each comes with different costs and rules. Healthcare planning isn't just about insurance. It's about understanding how medical costs interact with your tax plan and your income strategy. 5. Create a Retirement Investment Plan Retirement changes your investment timeline. You're no longer investing only for growth — you're investing for income and stability, too. That means separating your money into: Short-term funds for near-term spending Long-term investments for growth over decades Money you'll need soon shouldn't be exposed to short-term market swings. At the same time, money you won't need for many years still needs growth to keep up with inflation. The right investment plan balances both — and helps prevent panic decisions when markets get volatile. The Bottom Line If you're planning to retire in 2026 or 2027, now is the time to prepare. Not because something bad will happen — but because preparation gives you options. Retirement doesn't have to be so stressful. With a written plan, a clear income strategy, smart tax planning, healthcare clarity, and a thoughtful investment approach, you can step into retirement with confidence — whenever it arrives. 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 financial advisor in Milwaukee, WI, author of the bestseller Retire Today: Create Your Retirement Master Plan in 5 Simple Steps and host of both the Retire Today Podcast and Mr. Retirement YouTube channel Additional Links: Buy Jeremy's book – Retire Today: Create Your Retirement Master Plan in 5 Simple Steps Create your retirement master plan in 5 simple steps: www.5StepRetirementPlan.com  Connect With Jeremy Keil: Keil Financial Partners LinkedIn: Jeremy Keil Facebook: Jeremy Keil LinkedIn: Keil Financial Partners YouTube: Mr. Retirement Book an Intro Call with Jeremy's Team Media Disclosures: Disclosures This media is provided for informational and educational purposes only and does not consider the investment objectives, financial situation, or particular needs of any consumer. Nothing in this program should be construed as investment, legal, or tax advice, nor as a recommendation to buy, sell, or hold any security or to adopt any investment strategy. The views and opinions expressed are those of the host and any guest, current as of the date of recording, and may change without notice as market, political or economic conditions evolve. All investments involve risk, including the possible loss of principal. Past performance is no guarantee of future results. Legal & Tax Disclosure Consumers should consult their own qualified attorney, CPA, or other professional advisor regarding their specific legal and tax situations. Advisor Disclosures Alongside, LLC, doing business as Keil Financial Partners, is an SEC-registered investment adviser. Registration does not imply a certain level of skill or expertise. Advisory services are delivered through the Alongside, LLC platform. Keil Financial Partners is independent, not owned or operated by Alongside, LLC. Additional information about Alongside, LLC – including its services, fees and any material conflicts of interest – can be found at https://adviserinfo.sec.gov/firm/summary/333587 or by requesting Form ADV Part 2A. The content of this media should not be reproduced or redistributed without the firm’s written consent. Any trademarks or service marks mentioned belong to their respective owners and are used for identification purposes only. Additional Important Disclosures

Hello, my kiddos! This show with Celia Garcia, an expert in workforce development and a Social Security specialist, revealed that the average Medicare beneficiary loses about $100,000 if they do not complete the forms correctly. In this episode, Celia Garcia will help business owners and entrepreneurs maximize workforce development, fringe benefits, and retirement. Listen up! Celia Garcia is an award-winning author and business owner. I'm Yovy D, a former media broadcaster who transitioned into podcasting in 2017. My podcasting journey was driven by a series of layoffs I experienced—three times in just five years. This desire to switch careers was a long-standing passion, dating back to my high school days when I was a devoted TV viewer, particularly of talk shows. During that time, I realized my true calling was in journalism, specifically producing content. To confirm my abilities, I decided to engage with the public and put my skills to the test.Fast forward to Today, and I've successfully launched my English podcast, "The Yovy D," while wholeheartedly embracing and celebrating my unique accent. Moreover, I've ventured into creating the "Chombita Chronicles" podcast. This podcast chronicles my life journey as a Latina and Black, college-educated individual who has been exposed to unique educational and career opportunities. The "Chombita Chronicles" is a primarily storytelling platform that advocates for and showcases the personal narratives of Afrolatinx individuals.DISCLAIMER: Please be aware that the views expressed by our guests, me, or sponsors may not necessarily reflect or align with the policies and ethical standards of ALKIRIA MEDIA PRODUCTIONS, LLC. These opinions are solely those of the individuals, agencies, or businesses involved. Additionally, explicit language may be used for illustrative purposes in the content.Show notes and links:https://jobskillsinstitute.com/https://linktr.ee/yovydhttps://www.patreon.com/Yovy_DPODCAST EDITING & VO SERVICES:https://linktr.ee/the.50fifty https://goomedia.io/about-us/https://goomedia.io/services/podcast-audio-editing/https://linktr.ee/yovyd https://www.patreon.com/Yovy_dhttps://yovyd.com/#podcaster #podcast #business #culture #diversity #spanglish #entrepreneurship #diversity #medicarecoverage #retirementplanning #socialsecuritybenefits #idoitallwithanaccent #frombroadcast2podcast

Law professor and author Charles Silver joins Michael to break down why Americans pay too much for health care — from Medicare distortions and government inefficiency to runaway end‑of‑life costs and defensive medicine. They dig into market forces, personal responsibility, and what a consumer‑driven system could look like. A fast, sharp conversation for anyone who’s ever wondered why their medical bills make no sense.See omnystudio.com/listener for privacy information.

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Independent investigative journalism, broadcasting, trouble-making and muckraking with Brad Friedman of BradBlog.com

Terry closes out the year with a deep dive into Medicare's newly permanent “Virtual Supervision” rule taking effect in 2026, along with a refresher on the current requirements for reporting services under a physician's NPI versus an NPP's NPI. She urges listeners to approach this shift carefully, outlining the risks tied to non‑compliance, malpractice exposure, and whether patient‑safety concerns outweigh any potential financial upside. Tune in to get the context you need before jumping into this virtual model. Subscribe and Listen You can subscribe to our podcasts via: Apple Podcasts – https://podcasts.apple.com/us/podcast/codecast-medical-billing-coding-insights/id1305926627 Spotify – https://open.spotify.com/show/1lA69Q7EnjSMuVr3sXVWlX TuneIn – https://tunein.com/radio/CodeCast–Medical-Billing-p1056702/ YouTube – https://www.youtube.com/channel/UCoNm5vs6PFMIEDa5Undidlg YouTube Music – https://www.youtube.com/playlist?list=PLQ8tk23yZroZslhtTVe-PEIjQsAoJZJIQ Pandora – https://www.pandora.com/podcast/codecast-medical-billing-and-coding-insights/PC:1000156874 Amazon Podcasts – https://music.amazon.com/podcasts/c9d8dc99-fced-45a2-82b4-0efdf144c897/CodeCast-Medical-Billing-and-Coding-Insights iHeart Radio – https://www.iheart.com/podcast/256-codecast-medical-billing-a-31135434/ The post Is Virtual Supervision a Good Idea for 2026? appeared first on Terry Fletcher Consulting, Inc..

Watch The X22 Report On Video No videos found (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:17532056201798502,size:[0, 0],id:"ld-9437-3289"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");pt> Click On Picture To See Larger Picture[CB] around the world are dumping the Fed note, they just aren’t taking on anymore, everything is about to change. Trump’s GDP outshines Biden’s. China is now going to restrict silver, silver is used in electronics, batteries,solar panels etc. Silver prices are going to move. [CB] fraud is now exposed. The Tariff system is the future. The [DS] criminal syndicate is being exposed, it’s not just in DC it is world wide. As people learn how corrupt the system is and most of the taxes and borrowing goes to support the criminal system the people will be with Trump to remove the Fed. Trump is in the process of bringing down the entire corrupt temple on the [DS]. Trump moves closer to peace with Ukraine, 2026 is going to change everything. Economy Status of the US Dollar as Global Reserve Currency: USD Share Drops to Lowest since 1994  Central Banks diversify their holdings into dozens of smaller “non-traditional reserve currencies.”  The share of USD-denominated assets held by other central banks dropped to 56.9% of total foreign exchange reserves in Q3, the lowest since 1994, from 57.1% in Q2 and 58.5% in Q1, according to the IMF's new data on Currency Composition of Official Foreign Exchange Reserves. USD-denominated foreign exchange reserves include US Treasury securities, US mortgage-backed securities (MBS), US agency securities, US corporate bonds, and other USD-denominated assets held by central banks other than the Fed. Excluded are any central bank's assets denominated in its own currency, such as the Fed's Treasury securities or the ECB's euro-denominated securities. It's not that foreign central banks dumped US-dollar-denominated assets, such as Treasury securities. They did not. They added a little to their holdings. But they added more assets denominated in other currencies, particularly a gaggle of smaller currencies whose combined share has surged, while central banks' holdings of USD-denominated assets haven't changed much for a decade, and so the percentage share of those USD assets continued to decline.   Central banks' holdings of foreign exchange reserves in all currencies, and expressed in USD, rose to $13.0 trillion in Q3. Top holdings, expressed in USD: USD assets: $7.41 trillion Euro assets (EUR): $2.65 trillion Yen assets (YEN): $0.76 trillion British pound assets (GBP): $0.58 trillion Canadian dollar assets (CAD): $0.35 trillion Australian dollar assets (AUD): $0.27 trillion Chinese renminbi (RMB) assets: $0.25 trillion Source: wolfstreet.com (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:18510697282300316,size:[0, 0],id:"ld-8599-9832"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");  https://twitter.com/elonmusk/status/2004750391435755846?s=20 https://twitter.com/ElectionWiz/status/2004928015172821228?s=20 https://twitter.com/ElectionWiz/status/2004946780216328590?s=20  Political/Rights https://twitter.com/Patri0tContr0l/status/2004590513182367845?s=20  https://twitter.com/Geiger_Capital/status/2005107085865103608?s=20 ICE: 70% Arrested Had Criminal Ties Roughly 70% of illegal migrants arrested by U.S. Immigration and Customs Enforcement (ICE) under the second Trump administration reportedly had been convicted of or faced charges for criminal offenses. New data provided to the Washington Examiner shows the Trump administration arrested about 595,000 illegal immigrants between Jan. 20 and Dec. 11, according to the Department of Homeland Security. ICE said 70%, roughly 416,000, had “criminal convictions or pending criminal charges” in the United States, underscoring President Donald Trump’s promise to prioritize the “worst of the worst” in immigration enforcement. ICE officials stressed that even those without U.S. criminal records can still pose major public safety threats, the agency said, noting many are wanted abroad for violent crimes or have ties to gangs, terrorism, or other serious offenses. “This statistic doesn’t account for those wanted for violent crimes in their home country or another country, INTERPOL notices, human rights abusers, gang members, terrorists, etc. The list goes on,” an ICE spokesperson told the Examiner. Source: newsmax.com   New Files Show Epstein Was ‘Too Useful' for Banks to Drop — Trump Was ‘Too Politically Dangerous' to Keep  The newest Epstein disclosures include deposition testimony that illustrates, in unusually concrete detail, how major financial institutions assessed risk, value, and accountability. The transcript does not add new allegations about Epstein. Instead, it explains why he remained bankable long after his 2008 conviction and why his relationship with major banks survived despite generating almost no traditional revenue. That institutional logic is the same logic that later drove JPMorgan to end its ties with Trump Media, and the contrast between the two cases shows how selectively these standards are applied. In the deposition, Paul Morris—a private banker who handled Epstein's accounts at JPMorgan Chase and later Deutsche Bank—described Epstein's financial profile with unusual precision. Epstein's trading was minimal. His accounts produced limited fees. He was not a high-activity client and did not utilize the investment tools that banks rely on to generate consistent revenue. By every conventional benchmark, he was a low-value account. And yet, the relationship continued. The deposition shows why. Epstein was not retained for his financial performance but for his institutional usefulness. Morris acknowledged that Epstein facilitated introductions to ultra-wealthy individuals that the bank viewed as essential prospects. One example was Leon Black, whom Morris identified as a “priority prospect” because of Black's significant net worth and influence in the investment sector. Epstein introduced the bank to real-estate investor Andrew Farkas and discussed a potential connection involving biotech investor Boris Nikolic, who had ties to Bill Gates. These introductions were specific, documented, and initiated by Epstein, not the bank. This is the key element that many public accounts overlook. Epstein was not being managed as a traditional client. He functioned as a relationship broker inside a system where introductions to power carry more internal value than account-level returns. Source: thegatewaypundit.com  DOGE Geopolitical The EU Leaders Shouting About Visa Bans Are the Same EU Leaders Who Sent Political Operatives Into the U.S. to Support Kamala Harris  EU leaders from across the spectrum of their collective assembly, are furious with the administration of President Donald Trump for restricting their entry into the United States by blocking their visa permissions.  However, these same EU leaders are the people who sent operatives into the United States in order to interfere in our 2024 election. The Vice President of the European Commission, Kaja Kallas, sums up the European position: “The decision by the U.S. to impose travel restrictions on European citizens and officials is unacceptable and an attempt to challenge our sovereignty. Europe will keep defending its values — freedom of expression, fair digital rules, and the right to regulate our own space.” The “attempt to challenge our sovereignty” statement is a particular type of hubris when we consider THIS: GREAT BRITAIN (October 2024) – The British Labour Party is sending approximately 100 current and former staff members to the United States to work for Vice President Kamala Harris' campaign in key swing states. [SOURCE – LINKEDIN] Not only did the U.K attempt to challenge our sovereignty, but they also actively worked to influence the outcome of our national election in 2024. It is worth remembering the British intelligence operation, (Secret Intelligence Service (SIS), commonly known as MI6), was at the center of the Trump-Russia collusion conspiracy in 2016. The first EU political group to be targeted with the visa bans includes French former EU commissioner Thierry Breton, who was one of the architects of the EU's Digital Services Act (DSA). Also: Imran Ahmed, the British CEO of the U.S.-based Center for Countering Digital Hate, Anna-Lena von Hodenberg and Josephine Ballon of the German non-profit HateAid, and Clare Melford, co-founder of the Global Disinformation Index. https://twitter.com/GeneHamilton/status/2004656229684224393?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2004656229684224393%7Ctwgr%5E91706d63d41394916634b106fbd2268d7711e121%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Ftheconservativetreehouse.com%2Fblog%2F2025%2F12%2F27%2Fthe-eu-leaders-shouting-about-visa-bans-are-the-same-eu-leaders-who-sent-political-operatives-into-the-u-s-to-support-kamala-harris%2F https://twitter.com/GeneHamilton/status/2004656234910433405?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2004656234910433405%7Ctwgr%5E91706d63d41394916634b106fbd2268d7711e121%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Ftheconservativetreehouse.com%2Fblog%2F2025%2F12%2F27%2Fthe-eu-leaders-shouting-about-visa-bans-are-the-same-eu-leaders-who-sent-political-operatives-into-the-u-s-to-support-kamala-harris%2F Source: theconservativetreehouse.com https://twitter.com/michaelgwaltz/status/2005058695647166898?s=20 https://twitter.com/visegrad24/status/2005035840934723894?s=20 War/Peace   EIGHT, perhaps the United States has become the REAL United Nations, which has been of very little assistance or help in any of them, including the disaster currently going on between Russia and Ukraine. The United Nations must start getting active and involved in WORLD PEACE!   the United States is capable of doing. Under my leadership, our Country will not allow Radical Islamic Terrorism to prosper. May God Bless our Military, and MERRY CHRISTMAS to all, including the dead Terrorists, of which there will be many more if their slaughter of Christians continues.   DONALD J. TRUMP PRESIDENT OF THE UNITED STATES OF AMERICA Trump Tasks Military With an ‘Oil Quarantine' Against Venezuela, as Economic Pressure Is Chosen for Now Over Military Action Venezuela's oil industry under maximum pressure.   And now that the extended holidays are over, the socialist regime will have to deal with the veritable siege imposed by the US and its unprecedented armada. Venezuela is running out of storage space for its oil production since some ships are being seized and many others turned around and left.  Now, it arises that Donald J. Trump has directed US forces to enforce ‘an oil quarantine' against Venezuela for at least the next two months. These moves lead many to think that the Trump team will focus on economic rather than military means to pressure Caracas into ousting Maduro. Reuters reported:   Read  more: Source: thegatewaypundit.com Trump Blockade Leaves $1 Billion Of Venezuelan Crude Stranded On Tankers  With a two-month “quarantine” placed on Venezuelan oil by the Trump administration in a foreign policy move called “gunboat diplomacy,” new data estimate that roughly $900 million worth of crude is currently loaded on tankers, unable to depart Venezuela due to the U.S. blockade. “Based on our visual analysis from both shore and space, we estimate that there are around 17.5 million barrels of crude oil floating onboard tankers in Venezuela which are unable to depart due to the ongoing US blockade,” independent research Tanker Trackers wrote on X. “That’s around $900M of oil.” https://twitter.com/TankerTrackers/status/2004713684871078162?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2004713684871078162%7Ctwgr%5E016cd45f97095edcd74bb159f40c4e93caf9794d%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.zerohedge.com%2Fcommodities%2Ftrump-blockade-leaves-1-billion-venezuelan-crude-stranded-tankers Source: zerohedge.com Trump to POLITICO: Zelenskyy ‘doesn't have anything until I approve it' Trump's comments come ahead of his Sunday meeting with Zelenskyy, who will bring with him a new 20-point plan to end the war President Donald Trump on Friday cast himself as the ultimate arbiter of any peace deal between Ukraine and Russia, in an exclusive conversation with POLITICO. “He doesn't have anything until I approve it,” Trump said. “So we'll see what he's got.” Source: politico.com https://twitter.com/FoxNews/status/2005352028365848993?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2005352028365848993%7Ctwgr%5E1588e24fb392689513bf7b2f064c646c1bf5f470%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2025%2F12%2Ftrump-says-russia-ukraine-peace-talks-entering-final%2F  Medical/False Flags 19 Blue States Sue Trump Admin to Preserve Right to Perform Child Sex Changes Last week, Secretary of Health and Human Services Robert F. Kennedy Jr. said he would cut off Medicare and Medicaid funding to any provider that offers so-called gender-affirming treatment to minors. “Under my leadership, and answering President Trump's call to action, the federal government will do everything in its power to stop unsafe, irreversible practices that put our children at risk,” Kennedy said at the time. The Oregon-led lawsuit claims that the decision “exceeds the Secretary's authority and violates the Administrative Procedure Act and the Medicare and Medicaid statutes.” A total of nineteen blue states are suing the Trump administration in a bid to protect the right to perform child sex changes. His office said in a press release: Source: thegatewaypundit.com [DS] Agenda  https://twitter.com/nickshirleyy/status/2004642794862961123?s=20   work way too hard and pay too much in taxes for this to be happening, the fraud must be stopped. https://twitter.com/MAGAVoice/status/2005011311756017964?s=20 https://twitter.com/libsoftiktok/status/2005158623442600391?s=20 https://twitter.com/DataRepublican/status/2005292438114738555?s=20  diabolical. And it’s going to work until we understand that primaries will be more important than generals from here out on. https://twitter.com/C_3C_3/status/2005016429687701811?s=20 https://twitter.com/WarClandestine/status/2005351086115405986?s=20 https://twitter.com/CynicalPublius/status/2005030256382464493?s=20  and your tribe. I spent a lot of my life in the Middle East and Central Asia, working closely with foreign contractors and foreign governments to provide support to American military operations. As a US Army officer with a big checkbook courtesy of Uncle Sam, I can't really count the sheer number of times I was offered bribes to award a contract, or falsify records to do things like create larger (fake) headcounts at places like dining facilities, or to just simply be on the take for future illegal requests. Of course I had enough sense to never comply with such requests. Moreover, they were never explicitly structured as “bribes”; instead it was usually along the lines of “Here I have these Rolexes as gifts for you and your wife to show our friendship.” (Unfortunately, too many US officers and NCOs succumbed to this siren song and ended up breaking rocks in Leavenworth.) The weird thing about this to me was that whenever I turned down such an offering, it was treated as a grave insult. I was the one in the wrong, and not the fraudster trying to bribe me. They considered it rude that I was in their country and refused to accept how things got done. After all, why did I not want to help my tribe by helping their tribe? Let me repeat: in these cultures, FRAUD IS NOT EVEN A CONCEPT. There is only what helps your tribe. Such thought processes are so alien to Americans and much of the West. We are raised on the presumption that our institutions are valid, that the rule of law always prevails, and that integrity is universal. We need these presumptions to have working governments and economies, and without those presumptions—without the mental barrier that causes us not to accept outright fraud—our nation would quickly descend into the economic and social hellscape of countries like…. ummm… you know…. SOMALIA! So when we import people en masse from cultures that accept bribery and fraud as routine, acceptable ways to advance one's tribe, we should not be surprised that things like the $8 BILLION fraud schemes of the Somali population in Minnesota happen so easily. Introducing a fraud-based culture based on tribalism into America is like introducing some sort of lethal virus into a population that has no natural immunity. The virus will spread and grow, unchecked, because it is so alien to the host. Similarly, a culture of fraud is anathema to American thinking, and it must be cut out before it consumes the host. So when you see and hear patriotic Americans decrying what is happening in Minnesota or elsewhere, and when they seek deportation of the offenders, it is not “racism,” it is not “bigotry,” it is not “xenophobia”; instead, it is preserving the American tradition of responsible institutions and national integrity. https://twitter.com/MarioNawfal/status/2005262465190223928?s=20 https://twitter.com/FBIDirectorKash/status/2005305530651189719?s=20   exploiting federal programs. Fraud that steals from taxpayers and robs vulnerable children will remain a top FBI priority in Minnesota and nationwide. To date, the FBI dismantled a $250 million fraud scheme that stole federal food aid meant for vulnerable children during COVID. The investigation exposed sham vendors, shell companies, and large-scale money laundering tied to the Feeding Our Future network. The case led to 78 indictments and 57 convictions. Defendants included Abdiwahab Ahmed Mohamud, Ahmed Ali, Hussein Farah, Abdullahe Nur Jesow, Asha Farhan Hassan, Ousman Camara, and Abdirashid Bixi Dool, each charged for roles ranging from wire fraud to money laundering and conspiracy. These criminals didn't just engaged in historic fraud, but tried to subvert justice as well. Abdimajid Mohamed Nur and others were charged for attempting to bribe a juror with $120,000 in cash. Those responsible pleaded guilty and were sentenced, including a 10-year prison term and nearly $48 million in restitution in related cases. The FBI believes this is just the tip of a very large iceberg. We will continue to follow the money and protect children, and this investigation very much remains ongoing. Furthermore, many are also being referred to immigrations officials for possible further denaturalization and deportation proceedings where eligible. https://twitter.com/ScottPresler/status/2004932316926193933?s=20 https://twitter.com/HarmeetKDhillon/status/2004976287270731981?s=20 https://twitter.com/rising_serpent/status/2005080344610177489?s=20  https://twitter.com/amuse/status/2005092720927232198?s=20  “skeptical jurors” in federal cases involving President Trump. Co-founder Alex Dodds said jurors have “enormous power” to judge the administration itself. Critics report the sessions encourage rigging trials against the administration, conduct plainly barred under 8 USC §1503. President Trump's Plan https://twitter.com/WarClandestine/status/2004653262491058216?s=20 accomplished what no one else could. When we arrived, taxpayers were about to be on the hook for nearly $5 billion for a new headquarters that wouldn't open until 2035. We scrapped that plan. Instead, we selected the already-existing Reagan Building, saving billions and allowing the transition to begin immediately with required safety and infrastructure upgrades already underway. Once complete, most of the HQ FBI workforce will move in, and the rest are continuing in our ongoing push to put more manpower in the field, where they will remain. This decision puts resources where they belong: defending the homeland, crushing violent crime, and protecting national security. It delivers better tools for today's FBI workforce at a fraction of the cost. The Hoover Building will be shut down permanently.  They Got Her: FBI Caught Hillary Clinton Talking Donations with Foreign Felon on Tape As Hillary Clinton closed in on the presidential nomination in the spring of 2016, FBI field officers advised colleagues at headquarters to press her on the foreign donations flowing to the Clinton Foundation while she steered American foreign policy and whether she had used the charity as a campaign piggy bank. But the FBI HQ in Washington — a city in which the former secretary of state and first lady wields enormous influence — let the trail go cold. FBI New York Assistant Director in Charge Diego Rodriguez advised agents in Washington to ask Clinton several questions about the foundation, which are reproduced in full in documents released to the Senate Judiciary Committee by the FBI and published on Dec. 15. The questions reveal the concerns about foreign bribery that the Clinton Foundation case — codenamed “Cracked Foundation” — had uncovered. Among the evidence available to investigators, according to their questions: A recorded conversation between Clinton and Indian hotel magnate Sant Singh Chatwal in which Clinton discussed donations to the foundation and her remaining 2008 campaign debt. The new documents confirm that the FBI had at one time been “intercepting individuals associated with the Clinton Foundation.” Source: westernjournal.com  John Brennan's Lawfare Lawyers are Revealing More Than They Intend   former CIA Director John Brennan are sending proactive letters to the Federal District Court for the Southern District of Florida {SEE HERE}.  However, some of the information included in the letters intended to be exculpatory is actually damning against their defense position. You have to go deep in the weeds to see it but if you understand the details of the events, the information being revealed by Brennan's lawyers is the opposite of helpful to his case.  As an example, there is a citation included in a footnote of the December 22, 2025, [fn #20 page 6] letter that links to a March 31, 2022, letter sent to John Durham. Here's page 6 of the 2025 letter. Compare the underlined section to the 2022 letter sent to John Durham. In 2025 Brennan is telling the Florida court the Intelligence Community Assessment (ICA) conclusion was confirmed by Special Counsel Robert Mueller in a “very serious review.”  However, in 2022 Brennan told John Durham that Robert Mueller never interviewed him or offered an assessment of the ICA; Mueller just regurgitated it. So, which is it? These contradictions are throughout both of the letters when you compare them side-by-side.  In 2022 former CIA Director John Brennan was trying to escape the Durham review.  In 2025 Brennan is trying to escape a grand jury review. [We are aware that the U.S Attorney for the Southern District of Florida, Jason Reding Quiñones, has access to the CTH public library of research into all of these historic events.] There are other citations in the 2022 letter that are certainly worth reviewing because the legally binding statements made by John Brennan at the time have been shown to be false in 2025. Another of the claims in the 2022 letter to John Durham highlights why it was critical for the CIA to assist in the capture and arrest of Julian Assange in 2019. Source: thegatewaypundit.com  Trump: Upcoming Midterms Will Be ‘About Pricing’ The 2026 midterm elections will be “about pricing,” according to President Donald Trump, who said that his administration is restoring the nation’s economy after the condition in which former President Joe Biden left it. “I think it’s going to be about the success of our country,” Trump said in an interview with Politico, the outlet reported Saturday. “They gave us high pricing, and we’re bringing it down. Energy’s way down. Gasoline is way down.” Over the past two weeks, a series of positive economic reports has shown that inflation is decreasing, with the White House highlighting the latest data while addressing cost-of-living concerns nationwide. According to a Politico poll conducted last month, Americans say they are finding that the costs of groceries, utilities, healthcare, housing, and transportation are too expensive. Trump has been fighting to reframe that, however, blaming Democrats under Biden for driving prices up. He said in the interview, conducted Friday, that “electricity is down. It’s way down.” “When the gasoline goes down, and when the oil and gas go down, the electricity comes down naturally,” he said. “But it’s all coming down. It’s all coming down. It’s coming beautifully.” Source: newsmax.com https://twitter.com/WarClandestine/status/2004696380531503505?s=20   the NG will have quick response troops on standby in every state, the FBI building is being moved to a new location, the war between Russia and Ukraine is coming to an end, and all of Trump's pieces will be in place. There seems to be a shift in attitude. I think we are passing into a different phase of the operation. The shadow war will eventually have to come to the surface. (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:13499335648425062,size:[0, 0],id:"ld-7164-1323"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="//cdn2.customads.co/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");

Watch The X22 Report On Video No videos found (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:17532056201798502,size:[0, 0],id:"ld-9437-3289"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");pt> Click On Picture To See Larger PictureGermany has followed the [CB]/[WEF] green new scam and now the manufacturing jobs imploding. Germany will struggle in 2026. The debt in the US is made up of fraud, its most likely in the trillions. There a silver storm approaching and the gap between gold and silver will close as the [CB] loses control. Sound money is the only way. The [DS] is now panicking, their money laundering scheme is being exposed, the people now know that they funnel money via NGO’s and shell companies. This is bigger than anyone could ever imagine. We are in the exposure and investigative phase, Next is the cleanup, then justice. To bring down the entire corrupt system, it must be done right, it must carry weight, we must follow the rule of law, good thinks sometimes take time. Economy (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:18510697282300316,size:[0, 0],id:"ld-8599-9832"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs"); Half of Germany's Manufacturing Sectors Anticipate Significant Layoffs and Job Losses in 2026   Germany is the epicenter of the European Union's overall goal to chase the green energy agenda. For the past several years Germany has been deconstructing their fossil fuel energy production and replacing it with far more expensive alternatives.  This has led to large increases in overall energy prices, and downstream increases in manufacturing costs. The consequences have been snowballing throughout 2025, while cheap competitive alternatives coming into the EU from China have compounded their problem.  Recently a survey of major industries was conducted in Germany to determine the forecast for 2026, the results are not good. Approximately half of the industrial sectors in Germany are anticipating job losses, cuts or layoffs this year. 22 out of 46 business associations are preparing to downsize their labor force.  Only 9 of the 46 are expected to increase hiring.   Job losses are expected in auto manufacturing, the textile sector, wood and paper fabrication.  Job gains are expected in aerospace, shipbuilding and defense production – i.e. the war machinery. When the largest and most developed industrial economy in Europe is pinning its economic survival on war machinery, a particular momentum is created.  It is never a good outcome for Europe when Germany becomes reliant on war to maintain employment. Source: theconservativetreehouse.com https://twitter.com/stats_feed/status/2005654716462538992?s=20 2009 – $12T 2010 – $13.6T 2011 – $14.8T 2012 – $16.1T 2013 – $16.7T 2014 – $17.8T 2015 – $18.2T 2016 – $19.6T 2017 – $20.2T 2018 – $21.5T 2019 – $22.7T 2020 – $27T 2021 – $28.4T 2022 – $30.9T 2023 – $33.2T 2024 – $35.3T 2025 – $38.5T https://twitter.com/StephenM/status/2005494075793735925?s=20  self-loathing, self-denigration and the redistribution of our national resources to the states and peoples of the undeveloped world. https://twitter.com/profstonge/status/2005633652852437451?s=20 Political/Rights Trump-Kennedy Center Hits Jazz Star with $1M Lawsuit For Backing Out Of Christmas Eve Show Redd, a drummer and vibraphone player who has performed with legends including Dizzy Gillespie and Ray Brown, had hosted the Christmas Eve Jazz Jam at the Kennedy Center since 2006. He took over the tradition from bassist William “Keter” Betts and maintained it for nearly two decades. This year marked an abrupt departure from that longstanding commitment. “When I saw the name change on the Kennedy Center website and then hours later on the building, I chose to cancel our concert,” Redd told The Associated Press. The Trump-Kennedy Center is pursuing a $1 million lawsuit against jazz musician Chuck Redd after he withdrew from his annual Christmas Eve concert at the last minute, citing the recent addition of President Trump’s name to the venue.  Source: zerohedge.com https://twitter.com/libsoftiktok/status/2005398115030024201?s=20 DOGE Geopolitical Trump Administration Slashes UN “Humanitarian” Funding Pledge  The United States announced a $2 billion pledge for United Nations humanitarian aid programs on Monday, marking a sharp reduction from previous years as the Trump administration pushes for major reforms in global aid spending. This pledge represents a fraction of historical U.S. contributions, which have reached up to $17 billion in recent years, with voluntary funding often in the $8-10 billion range. Administration officials describe the amount as sufficient to keep America as the world's top humanitarian donor while demanding greater efficiency from UN agencies. The funding will flow through an umbrella mechanism controlled by the UN's Office for the Coordination of Humanitarian Affairs (OCHA), allowing targeted distribution to specific crises and countries. Initial priorities include 17 nations such as Bangladesh, Congo, Haiti, Syria, and Ukraine. Notably absent from the list are Afghanistan and the Palestinian territories, with officials stating Gaza aid will tie into ongoing peace efforts. Source: discernreport.com  War/Peace Did US Land Strikes On Venezuela Begin Last Week & No One Knew It? President Trump on Friday in a radio interview disclosed something which missed the attention of the US and global media. He let slip that a large land site had been knocked out by a strike from US forces in the Caribbean – however without specifying which country was hit (whether Venezuela or perhaps Colombia). o  According to the full remarks in context, the president said: “But every time I knock out a boat, we save 25,000 American lives. It’s very simple. And what’s happening is they’re having a hard time employment-wise, they can’t get anybody. And we just talked out, I don’t know if you read or you saw, they [Venezuela] have a big plant or a big facility where the ships come from. Two nights ago, we knocked that out. So we hit them very hard. But drugs are down over 97 percent. Can you believe it?” Some unnamed American officials suggested to the New York Times that the Commander-in-Chief was referring to a drug facility in Venezuela: Trump did not name the location of the facility, though American officials told the New York Times that the president was referring to a drug facility in Venezuela that was eliminated. The president's comment is the only report of such an attack. No other Latin American government, including Venezuela, has disclosed a strike of this sort. : Source: zerohedge.com  Zelensky Wants 50-Year(!) Security Guarantee From Trump A major point of disagreement remains security guarantees. Ukraine has been pushing maximalist demands for something akin to NATO Article 5 protections. It would be like getting all the benefits of being in NATO but without being a formal member of the Western military alliance. The Ukrainian side has revealed that President Trump had offered security guarantees for 15 years following a peaceful settlement, but Zelensky considered this much too short to protect from future potential Russian aggression. But in classic Zelensky fashion, he wants way more than this. Also, maximalist demands are something that European leaders have backed him on all along – and they may have even put him up to. According to The Wall Street Journal: Kyiv had asked for security guarantees to last up to 50 years after the end of the conflict during weekend discussions. In the documents currently being discussed, the U.S. offered a 15-year guarantee with the possibility of extension, Zelensky said in audio messages to journalists on Monday.   Source: zerohedge.com  Russia accuses Ukraine of military attack on Putin’s residence: ‘state terrorism’   Russia is promising retaliation against Ukraine for an alleged military attack on President Vladimir Putin’s residence in the northern Russia area of Novgorod, which Ukrainian President Volodymyr Zelensky deemed a lie intended to undermine peace talks, Reuters reports. . Russian Foreign Minister Sergei Lavrov said Monday that Russian air defenses destroyed all 91 long-range drones targeting Putin’s residence and that no one was injured and no damage reported. “Such reckless actions,” which Lavrov deemed “state terrorism,” will be answered with retaliatory strikes on targets in Ukraine, he said. Ukrainian President Zelensky says it’s a false claim intended to undermine peace talks  . Source: justthenews.com https://twitter.com/AutistDivision/status/2005463473006801341?s=20  geo-political territories forever. And lets be honest, they couldn’t get them back under any circumstances again. Medical/False Flags [DS] Agenda https://twitter.com/amuse/status/2005334470799565113?s=20   LAFD Battalion Chief Kenneth Cook rejected the final Palisades fire report after LAFD leadership removed critical findings tied to preparation failures before Jan. 7. Drafts obtained through public records show staffing violations, delayed assignments & ignored wind warnings were scrubbed from the final version. The report meant to save lives became a political shield. As a side note, New York City is setting themselves up for the same problem... https://twitter.com/amuse/status/2005608785990262859?s=20 https://twitter.com/EricLDaugh/status/2005622039999062219?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2005622039999062219%7Ctwgr%5E11dcdb289244b9644ea68d25359a18f753233f5d%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2025%2F12%2Fsomali-fraud-scandal-expands-as-lawyer-exposes-damning%2F   pushing for that in every single state!” “The state will, as long as the doctor has approved it, continue to pay you. It could be for 10 hours, 12 hours, up to 24 when it’s critical care.” “So you could sit at home without caring for an elderly parent who really doesn’t need it, make about $75,000 to $90,000 a year. Now you add two parents, that’s $180,000. Now you add your in-laws $250,000.” “You continue to add this and you wonder what are the services being provided? So a lot of providers came and said fraud is occurring because we said we weren’t going to rubber stamp this paperwork.” “So they went to other providers, their home health care networks saying we’ll make it worth your while. Well, sounds like a kickback to me.” “So we really need to investigate the Medicaid system and how much it’s increased since the Somalian population came and who really needs critical care because that’s meant for our disabled, our elderly and people who really need it, not to just live off our system.” “And that’s what’s happening in Ohio. I think it’s ridiculous. I think it’s despicable, but authorities are now looking at it from the Attorney General’s office to the U.S. Attorney’s office.” “I flagged them all because this is Ohio tax dollars and we have to take it seriously. I’m tired of people telling me, well, this is the way it’s always been. It’s subjective and we can’t really check. No, you can.” https://twitter.com/ArthurMacwaters/status/2005324862756127166?s=20   this not instant jail?! Like this is electoral fraud on top of Medicare fraud How is this not front page of every newspaper?! https://twitter.com/elonmusk/status/2005535693918138533?s=20 https://twitter.com/amuse/status/2005657030111932568?s=20   was unanimously convicted by a jury only to have Judge Sarah West vacate the verdict. In two separate cases to other judges dismissed the cases against his wife and his brother. $7.2 million is gone and no one is being held accountable. This story is being repeated across Minnesota to the tune of more than $8 billion so far. Somali criminals in Minnesota have stolen more than Somalia’s GDP from American taxpayers. Why won’t Democrat judges hold them accountable? https://twitter.com/elonmusk/status/2005496793279439182?s=20 https://twitter.com/JoeLang51440671/status/2005476678261461399?s=20   broke to being worth up to $30 million in just a year — as a massive, up to $9 billion fraud scheme involving the Somali community in her district unfolded right under her nose in Minnesota.” $9 billion in fraud happened in her district? Can I ask the question? How many Somali daycares did Ilhan Omar own? “Close to 90 people have been charged so far, including at least three with direct ties to the lefty Squad member, though she has not been charged.” https://nypost.com/2025/12/27/us-news/ilhan-omars-hubbys-30m-firm-quietly-scrubs-names-from-website-as-squad-member-faces-mounting-questions-on-sudden-wealth-amid-minnesota-welfare-fraud/ That's going to change. Have we looked into the wealth of the brother she married? I wonder if he owns some Somali daycares in Minnesota? Tick Tock!! https://twitter.com/libsoftiktok/status/2005657804301013272?s=20  , the Google business listing for this center showed the phone number 651-201-3400, which is the official public contact line for the Office of Governor Tim Walz and Lt. Governor Peggy Flanagan    https://twitter.com/JoeLang51440671/status/2005329284785647715?s=20   significant investments in pre-K for four-year-olds as well as other early learning programs serving children and families birth-to-school entry. This year he focused on the country's youngest children and their families' need for high-quality child care.” The Obama administration was a gigantic money laundering operation. “The President explained the need in last Tuesday's address stating, “In today's economy, when having both parents in the workforce is an economic necessity for many families, we need affordable, high quality childcare more than ever.” “But the child care tax credit isn't all the President proposed.” “He would also significantly expand the Child Care and Development Fund(CCDF), a child care subsidy for low- and moderate-income families authorized under the Child Care Block Development Grant (CCDBG) Act. (CCDBG was reauthorized last year after 18 years.) By 2025, the proposed expansion would increase the reach of CCDF to an additional one million children, under four-years-old.” Taxpayers subsidies and grants for “childcare.” “The last part of the President's proposal, in typical Obama Administration-style, is a competitive grant that would promote innovation in the child care system. The proposed grants– totaling $100 million– would allow states to create pilot programs to determine the best ways to provide child care to vulnerable populations, including children with disabilities, parents who work non-traditional hours, and families who have difficulty finding high-quality child care.” https://newamerica.org/education-policy/edcentral/presidents-child-care-plan/ Taxpayers “grants” totaling $100 million (for starters) to be given to “vulnerable populations.” Can you say “Somali?” Taxpayers funding of “childcare,” was a “necessity” for the funding of the democrat party. The Somali community was always a hub of this “childcare” theft of taxpayers money. It was set up this way on purpose. A Somali community, governed by Somali's and protected by the democrat party. The Somali's were being brought into this country starting with the George W. Bush's presidency. But Obama began accelerating the number of refugees from Somalia along with other Muslim countries. Here's just the last year under Obama. “A total of 38,901 Muslim refugees entered the U.S. in fiscal year 2016, making up almost half (46%) of the nearly 85,000 refugees who entered the country in that period, according to a Pew Research Center analysis of data from the State Department's Refugee Processing Center. That means the U.S. has admitted the highest number of Muslim refugees of any year since data on self-reported religious affiliations first became publicly available in 2002.” “Just two countries – Syria (12,486) and Somalia (9,012) – were the source of more than half of fiscal 2016's Muslim refugees. The rest are from Iraq (7,853), Burma (Myanmar) (3,145), Afghanistan (2,664) and other countries (3,741).” https://pewresearch.org/short-reads/2016/10/05/u-s-admits-record-number-of-muslim-refugees-in-2016/ Obama was an installed puppet of Prince Alwaleed and was doing his bidding. Obama filled his administration with people tied to the Muslim Brotherhood, who were implementing their “civilization jihad.” These communities began electing corrupt representatives like Ilhan Omar. Infiltration not invasion. Taxpayers money was funneled into these communities through “childcare grants” and other “welfare programs,” in order to fund the democrat party. Minnesota is just the “doorway” into a much larger nationwide fraud scheme to fund the democrat party. A magnifying glass is about to be put on ALL state welfare programs that are receiving “federal funding.” These grants and benefits handed out to these crooks, are now the doorway to expose and bring them all to an end. BOOMERANG! https://twitter.com/everytime_11/status/2004718928686350461?s=20 https://twitter.com/EndWokeness/status/2005651406985036272?s=20 Tim Walz's Office Responds with an Outrageous Falsehood After Journalist Nick Shirley Exposes Fraud of the Century in Minnesota “The governor has worked for years to crack down on fraud and ask the state legislature for more authority to take aggressive action,” a spokesperson for Walz told Fox News. “He has strengthened oversight – including launching investigations into these specific facilities, one of which was already closed,” the spokesperson added. “(He) hired an outside firm to audit payments to high-risk programs, shut down the Housing Stabilization Services program entirely, announced a new statewide program integrity director, and supported criminal prosecutions.” Walz previously called Shirley and others who have questioned his handling of the scandal “white supremacists.” Walz's team wants the public to believe that not only does the governor have no involvement in the scandal, but he has also been a leading advocate against this corruption. They must think that every day Americans have the same >IQ as Somali citizens.   Source: thegatewaypundit.com https://twitter.com/ElectionWiz/status/2005427571861909629?s=20 https://twitter.com/KevinKileyCA/status/2005329670083145745?s=20 Back on June 24, 2025. about 31% of applications to California’s 116 community colleges were deemed likely fraudulent by the chancellor’s office—equating to over 1.2 million fake applications. These were mostly detected and blocked before enrollment or aid disbursement, but some fraud succeeded, costing millions in stolen financial aid (around $11 million total in 2024, a small fraction of the billions distributed overall).The piece discusses ongoing efforts to combat the issue, like improved detection tools, identity verification, and a proposed $10 application fee to deter bots and scammers targeting the free-application, open-access system.  https://twitter.com/CynicalPublius/status/2005388876807057913?s=20 President Trump's Plan https://twitter.com/stats_feed/status/2005654716462538992?s=20 2009 – $12T 2010 – $13.6T 2011 – $14.8T 2012 – $16.1T 2013 – $16.7T 2014 – $17.8T 2015 – $18.2T 2016 – $19.6T 2017 – $20.2T 2018 – $21.5T 2019 – $22.7T 2020 – $27T 2021 – $28.4T 2022 – $30.9T 2023 – $33.2T 2024 – $35.3T 2025 – $38.5T https://twitter.com/4nt1p4tt3rn/status/2005345471674388575?s=20  deniability to the federal and state governments, and allow them to funnel money into the NGOs to do what the governments either don’t want to (due to optics) or can’t (due to legal constraints) do. They are quite literally dismantling the United States of America, and they’re doing it with YOUR money. Quite literally money taken out of your pockets. Food taken out of your children’s mouths. They’re directly or indirectly responsible for: * the massive invasion of this country by illegals * the high cost of healthcare * the shortage and high price of homes * the shortage and high price of unimproved land * the high cost of food and other goods * the high taxes you’re forced to pay * the skyrocketing national debt * the skyrocketing federal deficit * DEI and the elimination of qualified American workers from jobs * deaths of Americans on our roadways * the broken “justice” system In other words, literally everything everyone’s complaining about. https://twitter.com/911NewsBreaks/status/2005660846848958944?s=20   planning to livestream a racially motivated extremist attack with pipe b-mbs and g-ns. https://twitter.com/HarmeetKDhillon/status/2005444604624028029?s=20   year later as special counsel in November … statute runs on his obvious shenanigans late 2027 * Democrats in Congress and those in the states colluding with Biden WH hide their behavior, some of which STILLL HASN'T come to light! Statute runs on this five years after their concealed behavior is known to the government. This means the statute could run in the next administration. STOP POSTING CLICKBAIT BS!!! You are being used! https://twitter.com/HarmeetKDhillon/status/2005446072634872033?s=20 https://twitter.com/grok/status/2005427970681217334?s=20   to Jan. 6, 2021/2026. Specific cases vary by act. ‘Ten-year stain:' Bondi asks prosecutors to probe Obama-Biden lawfare as criminal conspiracy FBI Director Kash Patel penned a memo predicating an investigation looking at the weaponization of intelligence and law-enforcement powers dating to the Russia collusion case as an ongoing conspiracy. Attorney General Pam Bondi   asked the prosecutors to investigate the Obama-Biden era of lawfare as an ongoing election-meddling conspiracy that protected Democrats from criminal investigation and infringed the civil rights of Republicans like President Donald Trump and his supporters. An “ongoing conspiracy” and the statute of limitations Such an approach allows prosecutors to charge defendants with alleged crimes outside the statute of limitations because they were connected to an ongoing conspiracy, much like those cases brought against the mafia and drug cartels. “At my direction, our U.S. Attorneys and federal agents are actively investigating instances of government weaponization nationwide,” Bondi said. “This is a ten-year stain on the country committed by high-ranking officials against the American people. Source: justthenews.com https://twitter.com/WarClandestine/status/2005434508124782615?s=20   to be deported. They opposed the One Big Beautiful Bill because it funds ICE/US MIL, and they know Trump is going to invoke the Insurrection Act to deploy troops to their cities to assist ICE in deporting the illegals. If the Dems can't cheat in elections, they lose access to our tax dollars, and thus they lose all their power. They never cared about diversity, equality, equity, inclusion, immigration or any of that shit. It was all just a transaction. Everything they say and do is just a means to justify their treasonous scheme to steal our tax dollars. That's why it's so important to nuke the filibuster, pass the Save Act, invoke the Insurrection Act, deport all the illegals, and arrest everyone involved. If we don't, the Dems will take complete control, we will become a one-party State, and they will eventually phase us out via mass immigration. That's why the Dems have been trying to destroy, obstruct, and kill Trump, ever since he came down the escalator. Because they knew that he knew about all this, and is on a mission to stop it. The American People are being replaced, and the Democrats are directly responsible for it. This is the battle for the Republic. 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A funny, honest conversation with 13-year-old Trey and his mom Stephanie about type 1 diabetes, sports, growing up, parenting, pre-bolusing, and why runny eggs somehow matter. Go tubeless with Omnipod 5 or Omnipod DASH * Dexcom G7 CONTOUR NextGen smart meter and CONTOUR DIABETES app Get your supplies from US MED  or call 888-721-1514 Tandem Mobi  twiist AID System Free Juicebox Community (non Facebook) Eversense CGM Medtronic Diabetes Drink AG1.com/Juicebox Touched By Type 1 Take the T1DExchange survey Type 1 Diabetes Pro Tips - THE PODCAST Use code JUICEBOX to save 40% at Cozy Earth  Apple Podcasts> Subscribe to the podcast today! The podcast is available on Spotify, Google Play, iHeartRadio, Radio Public, Amazon Music and all Android devices The Juicebox Podcast is a free show, but if you'd like to support the podcast directly, you can make a gift here or buy me a coffee. Thank you! * Omnipod Wilmot E, et al. Presented at: ATTD; March 19-22, 2025; Amsterdam, NL. A 13-week randomized, parallel-group clinical trial conducted among 188 participants (age 4-70) with type 1 diabetes in France, Belgium, and the U.K., comparing the safety and effectiveness of the Omnipod 5 System versus multiple daily injections with CGM. Among all paid Omnipod 5 G6G7 Pods Commercial and Medicare claims in 2024. Actual co-pay amount depends on patient's health plan and coverage, they may be higher or lower than the advertised amount. Source IQVIA OPC Library. Disclaimer - Nothing you hear on the Juicebox Podcast or read on Arden's Day is intended as medical advice. You should always consult a physician before making changes to your health plan.  If the podcast has helped you to live better with type 1 please tell someone else how to find it!