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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...
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
In this episode, we're tapping our past podcast guests for more advice. This time around, we asked what advice they would offer to more seasoned insurance agents.
In this inspiring episode, join Susan Zimmer (co-founder and administrator) and Karyn Walsh (LCSW with 20+ years specializing in older adults) from NOVA Older Adult Counseling (OAC) in Fairfax, VA, as they share the story of their pioneering practice.Founded in 2016 as a mother-daughter collaboration, OAC was created to address the unique mental health needs of seniors—tackling grief, isolation, caregiving, retirement transitions, health challenges, and more. With a team of 21+ seasoned therapists (all over 40, bringing wisdom and life experience), OAC makes therapy accessible and affordable by accepting Medicare, offering unlimited sessions, telehealth, in-home visits, and free initial consultations.Hear how specialized counseling empowers older adults to reclaim joy, build coping skills, combat loneliness (called a "real pandemic"), and navigate life's changes—whether solo aging or with family support. They dispel stigma, highlight the value of an objective sounding board, and explain why therapy is transformative at any age.Guest insights from Steve Gurney add real-world perspective on why every solo ager needs a therapist.If you're an older adult, caregiver, or adult child facing transitions, this conversation will motivate you to seek support. Therapy isn't a luxury—it's a tool for resilience and connection.Visit https://novaolderadultcounseling.com/ or call 703-667-0752 for a free consult.Timestamps:0:00 Intro2:15 Origin Story of OAC10:40 Meet the Experts18:20 Benefits of Therapy for Seniors28:50 Breaking Barriers: Cost & Stigma35:15 Virtual & Home Options42:30 Who They Serve & Future Plans48:00 Call to Action#OlderAdultMentalHealth #SeniorTherapy #GriefCounseling #AgingWell #MedicareTherapy #TelehealthForSeniors
MEDICARE ADVANTAGE MINUTE: PHYSICIANS SAY THAT PRIOR AUTHORIZATION STANDS IN THE WAY OF MEDICALLY NECESSARY CARE! YOUR MEDICARE BENEFITS 2025: THE FINAL ENTRY: X-RAYS We receive correspondence from "Lazy Man Steve" who is wondering what he ought to do, if anything, about his Medicare supplement and Part D drug plan as the new year approaches. We wrapped the episode with a another rousing Christmas Quiz! Contact me at: DBJ@MLMMailbag.com (Most severe critic: A+) Visit us on: BabyBoomer.ORG Inspired by: "MEDICARE FOR THE LAZY MAN 2025; 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.
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..
Have you gotten an unsolicited offer to buy your practice recently? You might not have realized it, but that's a signal that your local market might be attractive for you to be a buyer. What do you do at that point? My guest today helps his clients buy practices, and he'll tell us what he thinks.E.J. Cyran has spent over a decade as a healthcare lawyer, which means he represents physicians, dentists and their practices in negotiating vendor agreements, buying or selling their practice, handling associate buy-ins, and getting advice on their regulatory and payor issues. He knows his way around HIPAA, telehealth, Medicare and all other matters affecting healthcare practices. E.J. is a go-to lawyer for his clients.In this episode Carl White and E.J. Cyran discuss:Why take the meeting for an unsolicited offer to buy your practiceHow to tell how serious the buyers areFinancing options availableComparing terms of sale (ex: higher vs lower offer, more control, better care for patients, etc)Determining what your own non-negotiables are (ex: you do or do not want to stay on after the sale, the buyer's approach to patient care, etc).Factors to evaluate in a good purchase offerWant to be a guest on PracticeCare®?Have an experience with a business issue you think others will benefit from? Come on PracticeCare® and tell the world! Here's the link where you can get the process started.Connect with E.J. Cyranhttps://www.foxrothschild.com/edward-j-cyranConnect with Carl WhiteWebsite: http://www.marketvisorygroup.comEmail: whitec@marketvisorygroup.comFacebook: https://www.facebook.com/marketvisorygroupYouTube: https://www.youtube.com/channel/UCD9BLCu_i2ezBj1ktUHVmigLinkedIn: http://www.linkedin.com/in/healthcaremktg
Earlier this year, Congress passed legislation that requires some people on Medicaid to prove they are working or lose health coverage.The state quickly submitted its plan to implement those work requirements. But the federal Centers for Medicare and Medicaid Services will not consider the state's request.
Send us a textToday's episode is part of a series called "Leaving America," about folks who have decided to move outside the country and how they did it. Our guest is Joanna Keenan. Jo and I worked together in Santa Cruz, California. We were both physician assistants in the same emergency department at the local hospital there. Eight years ago Jo and her spouse Kelly retired to Mexico. Five years ago, Joanna came out as a trans woman. We discuss our shared experience working in American healthcare, and her and Kel's decision to retire to Mexico and the logistics of that move. We also talk about her experience coming out as a trans woman in Mexico, and her and Kel's move back to the United States this year in large part because they have turned 65 and now qualify for Medicare which gives them access to better health care than what they had in Mexico. Other episodes in the "Leaving America" series:Aaron Poe (Ireland)Tashina Duttle (Spain)Daniel Gundlach (Germany)Kathy McCue (New Zealand)
Comparing Federal Employees Health Benefits (FEHB) coverage with Medicare Part B + Supplement helps retirees balance premiums, deductibles, and out-of-pocket costs while maximizing access to care.FEHB + Part B or Medicare Part B with a Supplement — What's the smarter retirement healthcare move for federal employees and retirees navigating rising FEHB costs and Medicare decisions? Discover how FEHB coordinates with Medicare, when Medicare Part B makes sense, and why dual coverage can change your out-of-pocket risk in retirement.
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. 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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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We're closing out the year with a candid conversation about where America is headed.For our final episode of 2025, Halle and Steve sit down with entrepreneur and former presidential candidate Andrew Yang to talk plainly about the forces reshaping American life, from rising healthcare costs and gaps in coverage to AI-driven job disruption and the strain on the social safety net. We cover:
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 front and center in 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.
Just starting out in the insurance industry? There's a lot to learn! We've compiled some tips from past podcast guests on the advice they would give to new insurance agents.
Today's West Coast Cookbook & Speakeasy Podcast for our especially special Daily Special, River City Hash Mondays is now available on the Spreaker Player!Starting off in the Bistro Cafe, Trump's DOJ was caught spying on the top Epstein investigative journalist before the pedo sex trafficker's death.Then, on the rest of the menu, first they decided to strip nursing of its “professional” designation, now Trump and RFK, Jr are removing the requirement that ensured nursing homes receiving Medicare or Medicaid funding had an RN available 24/7; Virginia offshore wind developers sued Trump's executive order halting renewable energy projects; and, the biggest mystery in Georgia politics right now is who is paying for the attacks on Republican Lieutenant Governor Burt Jones?After the break, we move to the Chef's Table where Serbia's protesting university students collected signatures throughout the country for an early parliamentary election they hope would oust the autocratic government of President Vucic; and, calling Brigitte Bardot a “complicated sex symbol” is a nice way of saying she was a five-time convicted racist who carried on a thirty-year romance with the French neo-Nazis.All that and more, on West Coast Cookbook & Speakeasy with Chef de Cuisine Justice Putnam.Bon Appétit!The Netroots Radio Live PlayerKeep Your Resistance Radio Beaming 24/7/365!"I was never a spy. I was with the OSS organization. We had a number of women, but we were all office help." -- Julia ChildBecome a supporter of this podcast: https://www.spreaker.com/podcast/west-coast-cookbook-speakeasy--2802999/support.
Retiring after age 65 changes the math and the priorities. You have fewer high-energy years, shorter tax planning windows, and RMDs much closer than most people realize. But you also often have higher Social Security, clearer spending needs, and more flexibility if the plan is built the right way. This episode breaks down how retirement strategy shifts when you retire later. Traditional withdrawal rules are built for 30–40 year retirements. If your timeline is closer to 10–20 years, blindly following those rules can lead to significant underspending and missed opportunities in your healthiest years.Tax strategy becomes more compressed. Roth conversion windows are shorter. Medicare premiums and IRMAA surcharges matter more. Required minimum distributions arrive faster. Planning mistakes are harder to unwind, which makes coordination between income, investments, and taxes far more important.Market risk looks different too. Higher Social Security and other income sources can reduce pressure on your portfolio, even though recovery time after downturns is shorter. The goal is not extreme conservatism. It is matching investments to real cash-flow needs while protecting against inflation and future healthcare costs.The episode also covers survivor planning, charitable giving strategies like QCDs, Medicare surcharge planning, and why prioritizing health becomes one of the highest-return investments you can make when retiring later.Retiring after 65 is not a disadvantage. It simply requires a different plan, tighter execution, and more intentional use of the years that matter most.-Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Strategy ⬇️ Get Started Here.Join the new Root Collective HERE!
168 Breaking Taboos: Talking About Death with Gabby Jimenez In this episode of Hospice Explained, host Marie Betcher RN, a registered nurse and former hospice nurse, interviews Gabrielle Jimenez, a hospice and palliative care nurse, end-of-life doula, grief educator, and author. Gabby shares her journey from commercial real estate to nursing, witnessing nearly 2000 last breaths, and discusses the importance of human-centered care in hospice. The episode also covers the challenges and rewards of starting a nursing career later in life, the need for earlier hospice care, and supporting parents losing a child. Highlighting Gabby's intention to create a safe place through her Facebook community 'The Hospice Heart,' this episode emphasizes the critical role of compassion and education in end-of-life care. 00:00 Introduction to Hospice Explained 00:46 Meet Gabrielle Jimenez: Hospice Nurse and Doula 02:01 Gabrielle's Journey to Hospice Care 10:12 The Role of a Doula in End-of-Life Care 17:01 Challenges and Changes in Hospice Care 21:38 The Importance of Discussing Death and Dying 24:04 Celebrating Life and Death in New Orleans 24:37 Organizing Funeral Food 25:51 A Funny Story About My Dad's Funeral 27:20 Reflecting on My Mother's Death 29:13 Dealing with Family Drama During Funerals 32:12 Advice for Handling Grief and Family Dynamics 39:08 Supporting Parents Losing a Child 43:46 Conclusion and Final Thoughts https://www.thehospiceheart.net/ 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.
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!
Jim and Chris discuss listener emails on Social Security filing timing and online claiming language, a listener PSA on IRMAA and the online SSA-44, ACA income planning before Medicare, an IRA to HSA transfer, and annuity income needs. (6:45) The guys address how to word an online Social Security application so the first check is paid for a specific month when claiming at age 70, and whether applying 2–3 months before the 70th birthday is the right approach. (14:00) A listener shares a PSA on filing SSA-44 online after retirement, including how IRMAA recalculations reflected estimated future-year income and how the resulting tier was communicated in the approval letter. (25:00) Jim and Chris discuss whether it makes sense, from a planner's perspective, to stop working and manage income in a way that keeps health insurance affordable until Medicare eligibility. (38:45) George asks about doing the once-in-a-lifetime tax-free IRA-to-HSA transfer, how the HSA testing period works, and whether it's worth doing before starting Medicare to reduce future RMDs. (49:00) A listener asks whether annuity income is still useful for covering a minimum dignity floor gap when assets are high and spending needs are modest, and how to think about guaranteed income given planned retirement timing and gifting goals. The post Social Security, IRMAA, ACA Planning, IRA to HSA Transfer, Annuities: Q&A #2552 appeared first on The Retirement and IRA Show.
04:45 Deputy may face fine after allegedly sharing info with immigration authorities14:30 Suspect with knife breaks into home leading to chaotic fatal shooting36:32 Child held at knife point by his own father during tense confrontation with officersLEO Round Table (law enforcement talk show)Season 10, Episode 155 / S10E259 (2,495) filmed on 08/04/20251. https://www.foxnews.com/politics/colorado-deputy-could-massive-fine-sharing-information-immigration-authorities2. https://rumble.com/v6x3ao0-burglary-suspect-armed-with-a-knife-is-fatally-shot-by-lapd-officer-after-b.html?e9s=src_v1_upp_a3. https://rumble.com/v6wzzeq-child-9-rescued-after-being-held-at-knifepoint-by-father.html?e9s=src_v1_upp_aShow Panelists and Personalities:Chip DeBlock (Host and retired police detective)Jeff Wenninger (retired lieutenant and Founder & CEO of Law Enforcement Consultants, LLC)Related Events, Organizations and Books:Retired DEA Agent Robert Mazur's works:Interview of Bryan Cranston about him playing Agent Robert Mazur in THE INFILTRATOR filmhttps://vimeo.com/channels/1021727Trailer for the new book, THE BETRAYALhttps://www.robertmazur.com/wp-content/uploads/2023/05/The-Betrayal-trailer-reMix2.mp4Everything on Robert Mazurhttps://www.robertmazur.com/The Wounded Blue - Lt. Randy Sutton's charityhttps://thewoundedblue.org/Rescuing 911: The Fight For America's Safety - by Lt. Randy Sutton (Pre-Order)https://rescuing911.org/Books by panelist and retired Lt. Randy Sutton:https://www.amazon.com/Randy-Sutton/e/B001IR1MQU%3Fref=dbs_a_mng_rwt_scns_shareThey're Lying: The Media, The Left, and The Death of George Floyd - by Liz Collin (Lt. Bob Kroll's wife)https://thelieexposed.com/Lt. Col. Dave Grossman - Books, Newsletter, Presentations, Shop, Sheepdogshttps://grossmanontruth.com/Sheriff David Clarke - Videos, Commentary, Podcast, Shop, Newsletterhttps://americassheriff.com/Content Partners:Red Voice Media - Real News, Real Reportinghttps://www.redvoicemedia.com/shows/leo/ThisIsButter - One of the BEST law enforcement video channelshttps://rumble.com/user/ThisIsButterThe Free Press - LEO Round Table is in their Cops and Crimes section 5 days a weekhttps://www.tampafp.com/https://www.tampafp.com/category/cops-and-crime/Video Show Schedule On All Outlets:http://leoroundtable.com/home/syndication/Syndicated Radio Schedule:http://leoroundtable.com/radio/syndicated-radio-stations/Sponsors:Galls - Proud to serve America's public safety professionalshttps://www.galls.com/leoCompliant Technologies - Cutting-edge non-lethal tools to empower and protect those who servehttps://www.complianttechnologies.net/The International Firearm Specialist Academy - The New Standard for Firearm Knowledgehttps://www.gunlearn.com/Aero Precision - "When Precision Counts”https://www.aeroprecisionusa.com/MyMedicare.live - save money in Medicare insurance options from the expertshttp://www.mymedicare.live/
Angel Studios https://Angel.com/HermanJoin the Angel Guild today where you can stream Thank You, Dr. Fauci and be part of the conversation demanding truth and accountability. Renue Healthcare https://Renue.Healthcare/ToddYour journey to a better life starts at Renue Healthcare. Visit https://Renue.Healthcare/Todd Bulwark Capital https://KnowYourRiskPodcast.comBe confident in your portfolio with Bulwark! Schedule your free Know Your Risk Portfolio review. Go to KnowYourRiskPodcast.com today. Alan's Soaps https://www.AlansArtisanSoaps.comUse coupon code TODD to save an additional 10% off the bundle price.Bonefrog https://BonefrogCoffee.com/ToddThe new GOLDEN AGE is here! Use code TODD at checkout to receive 10% off your first purchase and 15% on subscriptions.LISTEN and SUBSCRIBE at:The Todd Herman Show - Podcast - Apple PodcastsThe Todd Herman Show | Podcast on SpotifyWATCH and SUBSCRIBE at: Todd Herman - The Todd Herman Show - YouTubeWhat Is The Cure of Trump Derangement Syndrome? // Common Sense on SNAP Is Literally Hitler // A Divine Loop: the Longest and Shortest Books in The BibleEpisode Links:NEW: Psychotherapist Jonathan Alpert says that 75% of the patients he sees have a deep hatred for Trump and are "hyper fixated" on him. - "They can't sleep, they feel traumatized by Mr. Trump."LAWFARE: Obama Judge Boasberg blocked Trump admin CDL restrictions meant to prevent tragedies like the Florida crash where an illegal migrant trucker killed three people. His ruling keeps 190,000 noncitizen CDL holders on US roads. Another Obama judge undermines safety.Lis Smith just admitted on CNN that the 34 felony charges against President Trump weren't honest legal cases at all — they were part of the Democrats' coordinated “resistance strategy” to take him down. Jaw. On. The. Floor.Dr. Oz, Medicare & Medicaid Administrator, didn't mince words regarding this topic,What Does God's Word Say?Psalm 119:105, 111–11 John 3.
Teach and Retire Rich - The podcast for teachers, professors and financial professionals
Teachers who collect a pension, Social Security, and draw income from a non-Roth retirement account may face an additional Medicare tax. Lucretia Ryan of Financial Freedom for Women breaks it all down. Why Am I Paying an Additional Medicare Tax? Financial Freedom for Women More Dirty Little Secrets of Medicare "Advantage" (YouTube) Dirty Little Secrets of Medicare "Advantage" Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®).
In this episode, certified financial planner Jennifer Johnson welcomes health insurance expert Paul Spanos from Community Employee Benefits to discuss the often-overlooked but crucial topic of health insurance during the holiday season. As the year comes to a close, Jennifer and Paul delve into the importance of understanding health coverage options, particularly for those looking to retire before Medicare eligibility at age 65.Listeners will gain insight into the complexities of health insurance, including the Affordable Care Act and the impact of income on premiums and subsidies. Paul shares valuable advice on navigating the healthcare landscape, including the significance of out-of-pocket costs and the potential financial burdens of inadequate coverage. With real-life examples and practical tips, this episode aims to empower individuals to make informed decisions regarding their health insurance needs.The Triad Podcast Network is proudly sponsored by The Ginther Group Real Estate, Dewey's Bakery, and Three Magnolias Financial Advisors.
MEDICARE ADVANTAGE MINUTE: HOSPITALS ARE DROPPING MEDICARE ADVANTAGE PLANSLEFT AND RIGHT! YOUR MEDICARE BENEFITS 2025: WHEELCHAIRS AND SCOOTERS Tragedy struck the Content Curator: Her Part D drug plan was hijacked by an unscrupulous scoundrel who enrolled her in a Medicare Advantage plan. The goal? Over $600 in ill-gotten sales commissions. Many Medicare participants and eligibles are being hounded by telemarketers. Some are receiving 50 to 60 phone calls per day and many of those calls can result in fraudulent activity. Finally, another Christmas quiz closes out the episode. 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.
In this special 2025 U.S. Policy Highlights edition of the Vital Health Podcast, we look back at our most important discussions on Most Favored Nation (MFN) drug pricing and its knock-on effects for jobs, state budgets, and the generic supply chain. Over the past year, proposals to link U.S. prices to those in other countries have collided with inflation pressures, tariff debates, and reshoring efforts, creating new uncertainty for manufacturers, payers, and policymakers. In an environment where expectations about future returns are shifting, and the rules of the game are still being defined, this episode is designed as a year-end guide to what MFN-style policies could mean in practice and how to think about the tradeoffs. Throughout 2025, we our research on MFN-style reference pricing with a series of podcast episodes where host Duane Schulthess sat down with leaders across the generic, distribution, and policy landscape. In this highlights episode, we revisit several of those conversations: Kirsten Axelsen: Part D Shift, IRA Penalties, and Access Risks Patrick Kelly: Inside the Generic Supply Chain Squeeze John Murphy: Generics, Biosimilars, and U.S. Policy VT’s Grumpies (Harry Bowen, Joe Hammang) Talk MFN Key Topics: MFN Mechanics Explained: How tying U.S. prices to the lowest GDP-adjusted price in a reference basket translates into steep cuts for top-spend medicines in Medicare Parts B and D and shapes expectations across commercial and Medicaid contracts. Jobs, Earnings, & State Budgets: What our modeling suggests about potential impacts on employment, earnings, and tax revenue under MFN-style reference pricing, and how those effects concentrate in R&D-intensive regions and manufacturing hubs. Spillovers Into Medicaid, 340B, & ASP: Why MFN in Medicare does not stay in Medicare, how Medicaid best price and 340B ceilings pull discounts across programs, and what lower ASP add-ons could mean for hospital and community oncology margins. Generics, Shortages, & Tariffs: How razor-thin margins for sterile injectables and generic manufacturers interact with purchaser consolidation, tariff shocks, and price referencing, raising the risk of exits, inventory write-downs, and persistent shortages. Global Competition & Offshoring: How aggressive reference pricing can accelerate shifts in trials, licensing, and high-value manufacturing to countries that offer more predictable returns, and what that implies for long-run U.S. competitiveness. Alternatives To MFN: Ideas from our guests on value-based approaches, targeted incentives, and other tools that can improve affordability without hollowing out domestic capacity, innovation, and resilience in the generic and biosimilar supply chain. Opinions expressed are those of the speakers.See omnystudio.com/listener for privacy information.
Andrew and Vieves consider the visual representation of pain in pharmaceutical ads, and they look at some recent commercial sthat they're seeing in the wild. Plus, a classic Christmas carol ad sparks a discussion of some very USA-forward advertising, and a Medicare spot is cranked up way past eleven. Here are links to the ads we talked about in this week's show: Tremfya - Relentless weed https://www.ispot.tv/ad/BRBb/tremfya-break-away Benlysta - Big stuff https://www.ispot.tv/ad/1xKn/benlysta-every-flare-is-a-disappointment Rexulti - Masking https://www.ispot.tv/ad/fUHb/rexulti-depression-still-masking-garage-and-office Rinvoq - Static disruption https://www.ispot.tv/ad/bCwl/rinvoq-helicopter Ingrezza - DIfferent Light https://www.ispot.tv/ad/q87l/ingrezza-different-light VYVGART - The Picture is Changing https://www.ispot.tv/ad/blWR/vyvgart-the-picture-is-changing Lexus - December to Remember https://www.ispot.tv/ad/BHrd/lexus-december-to-remember-sales-event-ecast-t1 Huggies Pull-ups - Turd and Urine https://www.ispot.tv/ad/fv4t/huggies-turd-and-urine-training-pants-potty-training NBC Winter Olympics (ft. Lindsey Vonn & Scarlett Johansson) https://youtu.be/jYfVpiZdjFg?si=criElutpD8ewXbjy Jaws - Scars https://youtu.be/dLjNzwEULG8?si=rUSuV-dg0fDm3t3Q Dominos - Treat Yo Self https://www.ispot.tv/ad/Ba6Q/dominos-mix-and-match-treat-yo-self-featuring-retta Hilton: Don't Lose Sleep Over The Holidays https://www.ispot.tv/ad/B9Zb/hilton-hotels-holidays-dont-want-to-lose-sleep Hershey's Kiss - classic holiday https://www.youtube.com/watch?v=4HtSLF4vlrk Medicare Advantage - Call now! https://youtu.be/DldT4QiydvE?si=SfIGZSyNg5bjZJSe
Dreams of a white Christmas are fading for parts of the state as fog, drizzle and warmer temperatures set the stage for a tricky Christmas Day forecast. Minnesota's Supreme Court has reinforced a standard barring vehicle searches solely due to marijuana odor.Minnesota is joining 18 other states and the District of Columbia in challenging a federal declaration aiming to pull Medicare and Medicaid funding from medical providers that offer gender-affirming care for minors.This is an MPR News Evening update, hosted by Emily Reese. Theme music is by Gary Meister. Subscribe on Apple Podcasts, Spotify, YouTube or RSS.
Supreme Court refuses to allow National Guard deployment in Chicago; Immigration advocates press for limits on ICE in hospitals; Medicare drug talks bring major savings for Ohio seniors; Indiana Guard member fears missing child's birth.
To wrap up this year's author podcast series, The American Journal of Managed Care® speaks with Angela Liu, PhD, MPH, assistant research professor at the Johns Hopkins Bloomberg School of Public Health, about her December 2025 study, "Mental Health Care Use After Leaving Medicare Advantage for Traditional Medicare." Her research analyzed Medicare beneficiaries with mental health diagnoses who switched from Medicare Advantage (MA) to traditional Medicare (TM), examining their use of mental health services in the year before and after the switch. In this Managed Care Cast episode, Liu discusses what inspired her research, highlights the key findings, and explores ways to improve equitable access to mental health services for Medicare beneficiaries.
Supreme Court refuses to allow National Guard deployment in Chicago; Immigration advocates press for limits on ICE in hospitals; Medicare drug talks bring major savings for Ohio seniors; Indiana Guard member fears missing child's birth.
MEDICARE ADVANTAGE MINUTE: "DENY, DENY, DENY!" BY REJECTING CLAIMS MA PLANS THREATEN RURAL HOSPITALS AND PATIENTS! YOUR MEDICARE BENEFITS 2025: WALKERS Next item is lists of states with the highest percentage and the lowest percentage of new Medicare participants selecting Medicare supplement plans. On a trip to Hawaii in 2000 I learned that the state is likely to be closed to new insurance companies since the approval committee consists entirely of existing insurance companies. In correspondence with current clients, we heard from: TOM: Noticed a $91 drug plan premium. Since he gets most of his drugs through the VA, he could dodge the IRMAA penalty by dropping his drug plan. LM: The husband likes to track his Medicare claim activity on the Medicare supplement company website. A recent glitch has taken down that function and she was hoping to see it return quickly.. The bottom line is that each insurance company has irritating qualities that are difficult to cope with but impossible to fix. The episode ended with a rousing Christmas Quiz! Contact me at: DBJ@MLMMailbag.com (Most severe critic: A+) Visit us on: BabyBoomer.ORG Inspired by: "MEDICARE FOR THE LAZY MAN 2025; 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.
Thank you Gayla Kunis, Laura
Jamie details a terrifying severe low blood sugar event while home alone. She shares her frustrating path to a LADA diagnosis and life with multiple autoimmune conditions. 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!
America's national debt now has surpassed $38 trillion, and we're adding another $2 trillion each year with our deficit spending. The situation is even more bleak when you consider our unfunded liabilities for the future. Couple that with the cliffs we're facing on Social Security, the continued problems with Medicare and Medicaid that we're seeing […]
Afraid You'll Never Be Able to Retire? You're Not Alone. Here's the Plan.What if retirement wasn't scary anymore?In this episode of Queer Money, we share the real, unfiltered results of a recent Queer Money community poll — and what it reveals about the five biggest fears LGBTQ+ people have about retirement.From “bag lady energy” to healthcare panic, from how much is enough to where can I live safely and affordably, this episode isn't about shame — it's about clarity, strategy, and community.If you've ever wondered:Will I run out of money?What happens if healthcare bankrupts me before Medicare?Can I retire early… or abroad?What if Social Security or Medicare changes?This episode is for you.
The job market isn't what it used to be. A strong resume and decades of experience are no longer enough to carry even the most qualified applicants, especially in a market flooded with applications and filtered by AI before a human ever looks twice. Hiring works differently now, and that shift catches a lot of experienced workers off guard. That's why today's guest matters big time. We're joined by Rick Denius, founder of HR Search Co., to break down how the hiring process really works today and what job seekers need to understand to navigate it.In this conversation, Rick walks through what he sees every day behind the scenes of hiring — why companies post jobs as a last resort, how roles actually get filled before they ever appear online, and where experienced candidates lose leverage without realizing it. He explains why applying online so often leads nowhere, how age bias quietly shows up in modern hiring (ageism is real!), and what older workers can do to stay visible and in demand. The Matt Feret Show is about thriving in midlife, retirement, and beyond. Each week, Matt shares smart conversations on Medicare, Social Security, retirement planning, health, wealth, wellness, caregiving, and life after 50.Explore more episodes and sign up for The Matt Feret Newsletter: TheMattFeretShow.comNeed Medicare help? Book a no-obligation consultation: BrickhouseAgency.comWatch full episodes on YouTube: The Matt Feret ShowSubscribe on Apple, Spotify, or YouTube for more insights on wealth, wisdom, and wellness in retirement. Hosted on Acast. See acast.com/privacy for more information.
2025 has been a year of significant highs and lows, a bittersweet time marked by personal loss but also tremendous growth in our community of listeners and clients. As we wrap up the year, I wanted to take a moment to reflect and, more importantly, to give back by answering the most pressing questions on your minds. In this episode, I'm tackling the top 10 most asked financial questions I received in 2025 from both clients and listeners. From the future solvency of Social Security and the reality of rising inflation to the specifics of Bitcoin and long-term care, we are covering the topics that directly impact your retirement confidence. I also share a special thank you gift to you my listeners: a significant discount on my Retirement Readiness Review course to help you kickstart your 2026 planning. Whether you are wondering if you should pay off your mortgage or how to find a truly objective financial advisor, this episode provides the clear, direct answers you need to navigate your financial future. You will want to hear this episode if you are interested in... [00:00] Will Social Security be there for you when I retire? [06:04] How to handle rising inflation in retirement. [12:34] Should you be investing in Bitcoin in 2026? [17:37] The pros and cons of paying off your mortgage early. [21:51] Getting your children started with investing and saving. [26:01] Protecting your investments during a market downturn. Social Security Solvency: Should You Worry? One of the biggest fears retirees face is the potential expiration of Social Security. The most recent trustees' report projects that benefits can be paid at 100% until roughly 2033. If no changes are made by then, benefits could be reduced by approximately 20%. However, history suggests that Congress will act to prevent such a drastic cut, especially given how heavily the average American relies on this income. We also saw recent changes with the "Social Security Fairness Act" passed just before President Biden left office, which restored benefits for many teachers and state employees previously affected by reductions. While this adds strain to the system, it highlights the political will to support retirees. Inflation and Investment Strategy Inflation has been a persistent concern since the post-COVID stimulus era. For retirees on a fixed income, combating this is difficult because pensions and Social Security cost-of-living adjustments are automatic and out of your control. The single best hedge against inflation is your investment portfolio. Historically, stocks are the only asset class that has significantly outpaced inflation over time. While this comes with volatility, maintaining an exposure to equities (often 50–70% for many retirees) is often necessary to ensure your purchasing power lasts as long as you do. The "Retirement Number" Formula Forget the arbitrary goal of saving "$1 million" or "$2 million." Retirement planning is about paycheck replacement. To find your number: Calculate Expenses: Determine your monthly spending needs in retirement. Subtract Fixed Income: Deduct your expected Social Security and pension income from that expense number. Determine the Gap: The remaining amount must come from your portfolio (401k, IRA, brokerage). Apply the Withdrawal Rate: Using a conservative 4% withdrawal rate, determine if your savings can cover that gap. Don't forget to account for taxes! You can use online calculators or work with a CPA to estimate your after-tax income. Specific Asset Questions: Bitcoin and Mortgages Bitcoin: Despite its popularity, Bitcoin remains a highly speculative asset. In 2025, while the stock market saw gains of 15-18%, Bitcoin was down significantly, highlighting its volatility. For most retirees, the risks outweigh the benefits when a standard diversified portfolio can already meet your income needs. Mortgage Payoff: Emotional peace of mind often conflicts with financial math. If you have a low interest rate (e.g., 3%), rushing to pay off that "cheap money" rarely makes sense when you could earn 5% or more on your investments. Furthermore, taking a large lump sum from an IRA to pay off a house could trigger a massive tax bill and even IRMAA surcharges on your Medicare premiums. Tax Planning: Roth Conversions and New Legislation With the passing of the "One Big Beautiful Tax Act" in 2025, we have new opportunities for tax planning. Roth Conversions: If you expect your future tax rate to be higher than your current rate, converting traditional IRA funds to Roth can save you money long-term. New Deductions: The new legislation allows for a higher SALT (State and Local Tax) deduction cap of $40,000 until 2030, which is a huge benefit for those in high-tax states like Connecticut. This might create a unique window over the next few years to perform conversions more tax-efficiently. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE Fidelity Investments Connect With Morrissey Wealth Management www.MorrisseyWealthManagement.com/contact Subscribe to Retire With Ryan
How much you need to retire quiz: https://bit.ly/Adam-OlsonMost people think retirement problems are solved by saving more.But for Mike — a 60-year-old with over $1.2 million saved — the real breakthrough came from one simple fix: withdrawing smarter, not saving harder. In this episode, Adam Olson CFP® breaks down the exact withdrawal sequence strategy that turned Mike's retirement from anxious and unpredictable to smooth, tax-efficient, and fully structured for the next 30 years.You'll learn:• Why focusing on net worth creates anxiety in retirement• The withdrawal order that transformed Mike's cash flow• How guaranteed income, flexible income buckets, and long-term assets work together• The tax moves that prevented Medicare penalties and RMD tax spikes• How the Red Zone Retirement Planning Process™ creates predictable income for lifeIf you're approaching retirement and want confidence, clarity, and consistent income, this episode shows the exact system that makes it possible.
It's Monday, December 22nd, A.D. 2025. This is The Worldview in 5 Minutes heard on 140 radio stations and at www.TheWorldview.com. I'm Adam McManus. (Adam@TheWorldview.com) By Adam McManus Five Iranian Christians sentenced to 10-year prison term Five Iranian Christians were sentenced to an average of 10 years in prison for “propaganda” and “collusion” for practices such as prayer and baptism, and for distributing Bibles and Christian literature, reports International Christian Concern. Matthew 5:10 says, “Blessed are those who are persecuted for righteousness' sake, for theirs is the kingdom of Heaven.” Though the verdict was given on October 21, it was not communicated to any of the prisoners until late November and early December. They have been given 20 days to appeal their case before the Revolutionary Court of Tehran. US launches strikes on Syria in response to killing of 2 American soldiers Vengeance struck in Syria Friday as U.S. forces attacked Islamic State targets in retaliation for an attack that killed three Americans last week, reports The Western Journal. A U.S. military official said F-15 and A-10 warplanes, Apache attack helicopters, and HIMARS rockets struck multiple targets, according to the Wall Street Journal. On X, Secretary of War Pete Hegseth wrote, “Earlier today, U.S. forces commenced OPERATION HAWKEYE STRIKE in Syria to eliminate ISIS fighters, infrastructure, and weapons sites in direct response to the attack on U.S. forces that occurred on December 13th in Palmyra, Syria. This is not the beginning of a war — it is a declaration of vengeance.” Hegseth added, “The United States of America, under President Trump's leadership, will never hesitate and never relent to defend our people. As we said directly following the savage attack, if you target Americans — anywhere in the world — you will spend the rest of your brief, anxious life knowing the United States will hunt you, find you, and ruthlessly kill you. Today, we hunted and we killed our enemies. Lots of them. And we will continue.” Netanyahu plans to brief Trump on possible new Iran strikes Israeli officials have grown increasingly concerned that Iran is expanding production of its ballistic missile program, which was damaged by Israeli military strikes earlier this year, reports NBC News. Israeli Prime Minister Benjamin Netanyahu is preparing to brief President Donald Trump about attacking Iran again. Israeli officials also are concerned that Iran is reconstituting nuclear enrichment sites the U.S. bombed in June. But, they added, the officials view Iran's efforts to rebuild facilities where they produce the ballistic missiles and to repair its crippled air defense systems as more important. RFK Jr calls mutilating “sex-rejecting” trans procedures malpractice Secretary Robert F. Kennedy Jr. announced Thursday that the U.S. Department of Health and Human Services is taking steps to push back against what he described as "sex-rejecting" transgender procedures for minors, reports The Christian Post. During an hour-long press conference, he warned, "So-called 'gender-affirming care' has inflicted lasting physical and psychological damage on vulnerable young people. This is not medicine; it is malpractice." KENNEDY: “We're done with junk science, drive by ideological pursuits, not the wellbeing of children.” Kennedy said the proposed HHS rules, which are subject to a 60-day comment period, would bar hospitals participating in Medicare and Medicaid from performing transgender procedures on children, citing risks of irreversible harm such as infertility, impaired sexual function, bone density loss and altered brain development. He added, "Sex-rejecting procedures are neither safe nor effective treatment for children with gender dysphoria.” Abortions up as abortion pills flourish, Democrat states fund killing babies Last week, the Society of Family Planning released updated abortion data which documented over 591,000 abortions were performed in the first six months of 2025, reports LifeNews.com. This represents a 1.1 percent increase when compared to the first six months of 2024. Two state Medicaid programs have recently started to fund elective surgical abortions. Nevada's Medicaid program began covering elective abortions in mid-December of 2024, and Delaware's Medicaid program started covering elective abortions as of January 1, 2025. Not surprisingly, there has been an uptick in abortions in those states – an increase by 8% in Nevada and 10% in Delaware. However, the main takeaway from this new WeCount data is that the percentage of chemical abortions done via telehealth continues to increase. In the first six months of 2024, just under 20 percent of all abortions were done via telehealth. That figure increased to 27 percent for the first six months of 2025. Telehealth abortions are undermining the strong pro-life laws that many states enacted in the aftermath of the Dobbs decision. Isaiah 59:7 says, “Their feet rush into sin; they are swift to shed innocent blood. They pursue evil schemes; acts of violence mark their ways.” Preventing telehealth abortions needs to be a top priority for the pro-life movement. State attorneys general in Florida and Texas have recently sued the Food and Drug Administration over policy changes regarding chemical abortions. Kirk Cameron's follow-up podcast on annihilationism Kirk Cameron's recent 39-minute podcast in which he supported annihilationism has created quite a bit of controversy. In the opening to a 16-minute follow-up podcast, Cameron said this. CAMERON: “No doubt you've caught wind of the controversy that's swirling around. Let me ask you a question, and I want you to imagine that this question is not coming from me on a podcast, but from someone you love. “What if your son or your daughter looked you in the eye and said, ‘Dad, Mom, I know you believe in hell. I know you believe that God is just. I know you believe that sin is serious. And I know that Jesus is the only way to Heaven. “So, when a unrepentant person, who doesn't turn to Jesus, dies, what does the Bible actually say happens to them? Are they preserved forever and kept alive by God in a place of endless conscious torment, suffering forever, weeping and wailing and gnashing their teeth with no end? “‘Or is the judgment that Scripture describes something different? Is it still real, still just, still severe, but culminating in what the Bible calls death, destruction, or the second death, which is the lake of fire?' “What would your answer be? I'm not asking for what you've always believed or been taught, but what do you believe the Scriptures actually teach? That's the question that my son asked me, and that's the question that started this conversation.” Cameron's support for annihilationism has sparked debate in Evangelical circles. Longtime ministry partner Ray Comfort, founder of Living Waters and co-host with Cameron on The Way of the Master, responded thoughtfully. “While we believe Kirk is sincere, we believe that conditional mortality and annihilationism are erroneous views, and that the Bible's clear teaching on hell is known as eternal conscious torment,” according to GodReports.com. Other voices, including commentators Samuel Sey and theologian Owen Strachan, expressed concern, viewing the shift as departing from historic Christian teaching. Yet some see growing interest in annihilationism as a biblically grounded alternative that reconciles God's love with His judgment. Close And that's The Worldview on this Monday, December 22nd, in the year of our Lord 2025. Follow us on X or subscribe for free by Spotify, Amazon Music, or by iTunes or email to our unique Christian newscast at www.TheWorldview.com. I'm Adam McManus (Adam@TheWorldview.com). Seize the day for Jesus Christ.
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 Christmas 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
Newt talks with Brian Blase, president of Paragon Health Institute and former special assistant to the President for Economic Policy at the White House's National Economic Council. Their discussion centers on the rising cost of healthcare in the United States, a pressing issue that Blase recently addressed before the Senate Finance Committee. Blase explains the mission of the Paragon Health Institute, which he founded to fill a void in the free market community by analyzing government healthcare programs and developing policy solutions that expand choice and market competition. Their conversation highlights significant issues such as fraud and corruption in government healthcare programs, with examples of the massive fraud in Minnesota and improper enrollments in Obamacare. Blase emphasizes the need for reform in Medicare payment policies and the importance of consumer control over healthcare financing to reduce costs. They conclude their discussion with a call for transparency in healthcare pricing.See omnystudio.com/listener for privacy information.
Representative Ro Khanna (D-CA) joins Chris Cuomo to lay out what he believes is the strongest path forward for Democrats—one that centers affordability, health care, wages, and jobs instead of endless outrage over Donald Trump. Khanna explains why letting Affordable Care Act subsidies expire would hurt millions of Americans, how Medicare for All could reduce costs by cutting middlemen and negotiating prices, and why Democrats lose credibility when they campaign against Trump without offering a substantive economic alternative. Cuomo and Khanna debate whether outrage-driven politics actually wins elections, the influence of corporate money and PACs, the decline of unions, and why Democrats risk becoming defined solely in opposition to Trump. They also tackle foreign policy flashpoints—from Venezuela to Gaza—faith and extremism, and what Khanna calls a “new economic patriotism” aimed at restoring the American Dream before the 2026 midterms. Follow and subscribe to The Chris Cuomo Project on Apple Podcasts, Spotify, and YouTube for new episodes every Tuesday and Thursday: https://linktr.ee/cuomoproject Join Chris Ad-Free On Substack: http://thechriscuomoproject.substack.com Support our sponsors: Ready to give MASA or Vandy a try? Get 25% off your first order by going to http://masachips.com/CUOMO and using code CUOMO. Go to GetSoul.com and use the code CUOMO. That's http://GetSoul.com , promo code CUOMO for 30% off. Get $35 off your first box of wild-caught, sustainable seafood—delivered right to your door. Go to: https://www.wildalaskan.com/CUOMO Learn more about your ad choices. Visit podcastchoices.com/adchoices
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