Podcast appearances and mentions of Monte Carlo

Ron Faber (left) and Stephen Stout (right) in Lucky Stiff. Photo by Peter Cunningham. This episode of Settling Scores dives into the delightfully offbeat world of Lucky Stiff, the cult-favorite musical that helped launch the legendary songwriting team of Lynn Ahrens and Stephen Flaherty. With its rapid-fire wit, breakneck(!) farce, and charming score, Lucky Stiff showcases the early sparks of a musical theatre partnership that would go on to create Ragtime, Once on This Island, and Anastasia. We'll attempt to outline the show's wild plot and swoon over some lovely musical moments, all while tracing how Ahrens and Flaherty's unique voice first took shape. Along the way, we unpack behind-the-scenes stories, creative risks, and why this small, zany musical still punches far above its weight. Call it a love letter to joyful absurdity. Perfect for fans who like their Broadway deep dives smart, irreverent...and perhaps a little feisty! Join us over on our Facebook and Instagram pages for more content and to share your thoughts with us! Stephen Flaherty and Lynn Ahrens circa 1988 Julie White and Stephen Stout in Lucky Stiff. Photo by Peter Cunningham. New York Times review of Lucky Stiff from 4/27/1988   John Scamardella (standing) and Steve Mook (seated). Pull-Tight Players Theatre production of Lucky Stiff, 2025. Photo credit: Three Wishes Photography Jeremy Hargis (left) and Bre Hall (right). Pull-Tight Players Theatre production of Lucky Stiff, 2025. Photo credit: Three Wishes Photography The incomparable Mary Testa.   Original playbill from Playwright's Horizon   The *interesting* movie version of Lucky Stiff.

GBH's Adam Reilly and The Bay State Banner's Ron Mitchell join for Press Play media analysis. This week, they talk about media reaction to Trump's White House address, Brian McGrory returning to the Globe and a profile of the photographer who captured Trump staff for the Susie Wiles Vanity Fair profile.  Boston Medical Center's Dr. Katherine Gergen Barnett on the CDC reversing its position on Hepatitis B vaccines for infants, cutting funding for the American Academy of Pediatrics, RFK Jr.'s move to ban gender affirming care for young people, and the so-called "Christmas Coronary effect." Atikin Rose is an up-and-coming R&B singer songwriter with a new EP due out next year. She joins for Live Music Friday alongside talent manager Rob Kelley-Morgan.Tony Williams and Peter Gwiazda celebrate 25 years of the Urban Nutcracker. Tony is the show's founder and creative visionary. Peter is a dancer with Les Ballets Trockadero de Monte Carlo.NBC10 Boston media maven Sue O'Connell talks Epstein files, Brian Walshe, and a NYTimes profile of the woman caught in that Coldplay kiss-cam last summer.

Martin Burke, chief underwriting officer, MS Amlin, said when looking at aggregations, you must be comfortable with your stance in the end. Burke spoke with AM Best TV at the Rendez-Vous de Septembre conference, Monte Carlo.

Les investisseurs ont été rassurés par les publications du jourLes deux grands rendez-vous économiques de la journée ont boosté les marchés hier.D'abord après avoir annoncé pour la 4ème fois un statu quo sur sa politique monétaire, la Banque centrale européenne a rassuré avec la revue à la hausse de ses prévisions de croissance du PIB.La publication des chiffres de l'inflation aux Etats-Unis a également été une bonne nouvelle pour les investisseurs. Les prix à la consommation sont tombés à 2,7% sur un an en novembre, bien en-dessous des 3,1% attendus par le consensus et des 3% de septembre. Du coté des valeurs, une entreprise de la Tech était sous les projecteursMicron Tehnology a publié des résultats supérieurs aux attentes ainsi que des perspectives bien meilleures que prévu grâce à l'accélération des projets dans l'Intelligence Artificielle. Sur ces nouvelles le titre grimpait de près de 12% à la clôture européenne.L'indice parisien a ainsi clôturé la séance en gain de 0.80% sur la journée, Tendance plus marquée pour le Nasdaq qui progressait de près de 2% à la clôture des marchés européens.Hébergé par Ausha. Visitez ausha.co/politique-de-confidentialite pour plus d'informations.

Are you looking to save time, make money, and start winning with less risk? Then head to https://www.ovtlyr.com.It was one of those market days that makes people panic. Big red candles, ugly price action, and nonstop noise about what is “supposed” to happen next. But this video is about why those days do not need to control your emotions, your decisions, or your account when you actually have a plan.This session walks through what separates reactive traders from disciplined ones. When the market is down hard, most people feel pressure to act, predict, or fix something. What you see here is a very different approach. Instead of guessing bottoms or averaging down blindly, the focus stays on trend structure, signals, expectancy, and risk control. When you know exactly what you are waiting for, the stress drops dramatically and the decision-making becomes simple.A big theme in this video is psychology. Watching price move without a framework feels chaotic. Once you understand trends, EMAs, ATR, and why exits matter just as much as entries, the market stops feeling random. You do not need to stare at charts all day. You do not need to babysit positions. You just follow the plan and let the data do the heavy lifting.There is also a deep dive into why prediction-based trading fails so many people. Doubling down, hoping, or assuming something has to bounce eventually sounds logical until you realize you never know how far a move can go. This video breaks down why waiting for confirmation puts you in profitable trends faster, with less time underwater and far less emotional damage.Midway through, the discussion shifts into real backtesting data. This is where things get interesting. Instead of “trust me” opinions, you see how expectancy, win rate, ATR behavior, and Monte Carlo testing actually work together. You also learn why some sectors are avoided completely, even if they look tempting, and how frequency and risk-adjusted returns matter more than chasing home runs.Key ideas covered in this video include:✅ Why red days are only scary when you do not have a plan✅ How trend signals remove emotion from trading decisions✅ The role of ATR in defining risk, exits, and expectations✅ Why random trade selection can still work when expectancy is positive✅ How V-shaped recoveries waste time compared to trend confirmationThe bigger takeaway is simple. Trading does not have to be stressful, dramatic, or chaotic. When your rules are clear and tested, you already know what you will do before price ever moves. That clarity is what allows traders using the OVTLYR approach to stay calm while everyone else is freaking out.If you want a calmer, more repeatable way to approach the market that is grounded in data instead of hype, this video is worth your time.Gain instant access to the AI-powered tools and behavioral insights top traders use to spot big moves before the crowd. Start trading smarter today

De värsta pandemier som drabbat mänskligheten var när européerna på 1500-talet tog med sig en dödlig cocktail av sina vanligaste smittsamma sjukdomar till Amerika. Idag tror man att 90 procent av urbefolkningen strök med i sjukdomar de saknade immunitet mot. Hela kulturer gick under.Under 1700-talet började de växande nationalstaterna i Europa att utveckla metoder för att hantera pandemier – trots att den tidens läkevetenskap ofta missförstod hur smittor spreds. Samtidigt som böldpesten i stort sett försvann, uppstod nya pandemier till följd av industrialismens trånga, osanitära städer.Detta är det andra av två avsnitt av podden Historia Nu om pandemier, där programledaren Urban Lindstedt samtalar med Fredrik Charpentier Ljungqvist, professor i historia, särskilt historisk geografi, vid Stockholms universitet, om hur farsoter har påverkat samhällen genom tiderna – från medeltidens pest till spanska sjukan.När européerna anlände till Amerika på 1500-talet förde de med sig sjukdomar som smittkoppor, mässling och influensa – sjukdomar som den amerikanska ursprungsbefolkningen saknade immunitet mot. Resultatet blev en demografisk kollaps: upp till 90 procent av urbefolkningen dog inom ett sekel.Denna ”mikrobiella erövring” möjliggjorde den europeiska kolonisationen av Nord- och Sydamerika. Avfolkningen ledde till omfattande återförskogning, vilket i sin tur påverkade koldioxidnivåerna i atmosfären – ett exempel på hur pandemier kan få långtgående konsekvenser bortom människans hälsa.Det är först på 1800-talet som vetenskapen gradvis börjar förstå smittspridningens mekanismer. Kolera blev århundradets mest fruktade pandemi – men också den som ledde till avgörande förändringar i folkhälsopolitik och stadsplanering.På 1800-talet svepte koleraepidemier fram över världen. Flera pandemier startade i Asien och nådde Europa via handelsvägar. Koleran var vattenburen och slog särskilt hårt mot tätbefolkade städer med bristfällig sanitet. Under perioden 1834–73 drabbades Sverige av nio koleraepidemier. Vid den största av dessa, 1834, insjuknade mer än 25 000 personer, av vilka drygt hälften dog.Den engelske läkaren John Snow revolutionerade smittspårningen 1854 när han identifierade en förorenad vattenpump som kolerans källa i London – en insats som lade grunden för modern epidemiologi. Hans upptäckt blev en katalysator för utvecklingen av moderna avloppssystem, säkrare dricksvatten och en ny syn på urban hygien. Koleran blev med andra ord en drivkraft bakom avgörande samhällsreformer.Mellan 1918 och 1920 dödade spanska sjukan mellan 25 och 100 miljoner människor världen över – fler än första världskriget. Pandemin slog särskilt hårt mot unga vuxna, vilket bröt det klassiska U-formade dödlighetsmönstret för influensa. Trots dess enorma påverkan föll sjukdomen snabbt i glömska – kanske för att samhället redan var traumatiserat av krigets fasor.Senare forskning har visat att pandemin lämnade djupa men ofta osynliga spår. Barn till mödrar som varit sjuka under graviditeten löpte högre risk för kroniska sjukdomar senare i livet – en påminnelse om att pandemiers effekter kan vara långvariga, subtila och påverka generationer framåt.Bild: Smittkoppor under den spanska erövringen, ur bok XII i Florentinska kodexen (1540–1585). Illustration av en okänd konstnär från 1500-talet, Originalet återfinns i Biblioteca Medicea Laurenziana, Florens. Reproduktion i: Fields, Sherry (2008). Pestilence and Headcolds: Encountering Illness in Colonial Mexico. New York: Columbia University Press. Wikipedia, Public Domain.Musik: Fauré – Requiem – I. Introït et Kyrie, framförd av Orchestre national de l'Opéra de Monte-Carlo under ledning av Louis Frémaux, med Chorale Philippe Caillard och solisten Bernard Kruysen. Utgiven av Erato Records den 10 augusti 1962. Fotograf: Denis Thilliez. Ingen upphovsrätt gäller för denna ljudinspelning inom EU enligt direktiv 2006/116/EG.Klippare: Emanuel Lehtonen Hosted on Acast. See acast.com/privacy for more information.

Manger à la cantine coûtera bientôt le même prix partout dans la région. La Collectivité européenne d'Alsace met fin aux disparités entre les collèges et instaure un tarif unique de 4,10€ pour le repas à la cantine dans l'ensemble des collèges publics, à compter de la rentrée de septembre 2026. Un tarif solidaire de 2,90€ sera appliqué aux élèves boursiers et aux collégiens pris en charge par l'Aide sociale à l'enfance. La CEA précise que le coût d'un repas est proche de 9€ et qu'elle compense la différence à hauteur de 24 millions d'euros par an. Un spectacle proposé à Europa Park visé par une plainte. L'organisation de défense des animaux Peta a informé avoir saisi la justice allemande pour des faits de maltraitance sur des chiens. Cette dernière serait en possession de photos et de vidéos montrant un dresseur frappant ses animaux en coulisses. Contacté par nos confrères des DNA, Europa Park affirme avoir suspendu le spectacle, proposé par des intervenants extérieurs dans le cadre du partenariat avec le Festival international de cirque de Monte-Carlo.L'hôpital Schweitzer de Colmar investit 1,5 million d'euros pour rejoindre le réseau de chaleur urbain de la Ville. Cette décision, qui sera effective après son raccordement en 2027, permettra à l'établissement de diminuer ses émissions de CO2 de 820 tonnes par an. Deux tranches de travaux seront effectuées. La première, en été 2026, va concerner 300 mètres linéaires entre la rue de la Semm et l'avenue de Fribourg.Justice toujours, avec une amende de 300 000 euros pour l'entreprise Butachimie. Cette dernière a été condamnée hier par le tribunal correctionnel après l'explosion qui avait eu lieu sur son site de Chalampé, classé Seveso, en juin 2023. Il lui était reproché plusieurs infractions au code de l'environnement. Cinq personnes avaient été blessées lors de cette explosion. Une fuite d'hydrocarbure serait à son origine. Au milieu des marchés de Noël déjà très populaires en Alsace, la Ville de Sélestat compte bien faire sa place. En plus de ses décorations, son parcours d'expositions et de son vaste programme d'animations, la cité humaniste peut aussi compter sur son histoire. Depuis 2021, Sélestat se positionne en tant que « Capitale de l'Arbre de Noël ». Les précisions de Grégory Frantz, responsable de la communication. Une histoire qui permet aussi à Sélestat de bénéficier d'un impact supplémentaire auprès de la presse. Le nombre de tournages audiovisuels est d'ailleurs en hausse cette année. Et sur les réseaux sociaux, les influenceurs commencent aussi à s'intéresser aux festivités de Noël de la cité humaniste. Retrouvez notre article complet sur azur-fm.com. Hébergé par Ausha. Visitez ausha.co/politique-de-confidentialite pour plus d'informations.

Från romerska pestvågor till spanska sjukan har samhällen reagerat, förändrats och ibland kollapsat under trycket från smittsamma sjukdomar. Pandemier har satt djupa spår i allt från demografi och ekonomi till krig, religion, vetenskap och politik.Den mest ikoniska pandemin i europeisk historia är digerdöden, som svepte över Europa mellan 1347 och 1352. Länge antogs att upp till hälften av Europas befolkning – cirka 50 miljoner människor – dog i pesten. Men ny forskning visar att delar av Centraleuropa och Östeuropa fortfarande hade växande jordbruk efter 1350.Detta är det första av två avsnitt av podden Historia Nu om pandemier, där programledaren Urban Lindstedt samtalar med Fredrik Charpentier Ljungqvist, professor i historia, särskilt historisk geografi, vid Stockholms universitet, om hur farsoter har påverkat samhällen genom tiderna – från medeltidens pest till spanska sjukan.Pandemier tenderar att påskynda redan pågående trender – som urbanisering, migration eller maktförskjutningar – snarare än att skapa helt nya utvecklingslinjer. De fungerar också gång på gång som påminnelser om mänsklighetens sårbarhet och vikten av att bygga robusta samhällsstrukturer.Pandemiernas historia i Europa inleds med den så kallade atenska pesten. Under Peloponnesiska kriget (431–404 f.Kr.) förlorade Aten uppåt hälften av sin befolkning i en farsot som snabbt spreds i den tättbefolkade staden. Katastrofen underminerade det politiska ledarskapet och försvagade Atens ställning i kriget mot Sparta.Romarriket drabbades av två stora epidemier under kejsartiden: den antoninska pesten (165–180 e.Kr.) och den cyprianska pesten (249–262 e.Kr.). Båda tros ha orsakats av smittkoppor. Effekterna var förödande: metallproduktionen minskade, vilket har dokumenterats genom isborrkärnor från glaciärer, och ett urholkat skatteunderlag försvårade försvaret av rikets gränser. Cyprianska pesten har till och med beskrivits som början till slutet för Västrom.År 541 slog den justinianska pesten till – den första pandemin som med säkerhet kopplats till pestbakterien Yersinia pestis. DNA-analyser har i modern tid bekräftat bakterien i massgravar. Pesten orsakade omfattande avfolkning kring Medelhavet och ledde till minskad handel och återförskogning. I kombination med kraftiga vulkanutbrott under 530-talet, som orsakade global nedkylning, blev konsekvenserna förödande för samhällena i södra Europa och delar av Asien.Digerdöden (1347–1352) sägs ha utplånat upp till hälften av Europas befolkning. Men ny forskning, särskilt baserad på pollenanalyser och arkeologi, nyanserar denna bild. I en omfattande studie av 1 634 pollenprover från hela Europa har forskare visat att dödligheten varierade kraftigt regionalt. Medan västra Europa – bland annat Italien, Frankrike och Skandinavien – drabbades hårt, fortsatte befolkningen att växa i stora delar av Central- och Östeuropa.Bild: Dödens triumf (ca. 1562) av Pieter Brueghel den äldre visar en apokalyptisk scen där döden härjar obarmhärtigt över människan. Målningen ingår i Museo del Prados samling.

Waleed Jabsheh, CEO, International General Insurance, notes varied recovery across markets, with regions such as the Middle East failing to benefit from hardening conditions. Jabsheh spoke with AM Best TV at the Rendez-Vous de Septembre in Monte Carlo.

⚖️ Ad Augusta : la formation juridique sur mesure au service des entreprises monégasquesDans Le Club Radio Monaco, Guillaume Rose, directeur général exécutif du Monaco Economic Board (MEB), reçoit aujourd'hui les fondateurs d'Ad Augusta, une société spécialisée dans la formation juridique, la compliance et l'accompagnement opérationnel des entreprises de la Principauté : Charles-Henri Karsenti et Charlotte Rochat.

Les principales bourses européennes ont entamé la semaine dans le vert Les marchés actions européens ont démarré la semaine favorablement en amont de plusieurs rendez-vous clés : la dernière décision de politique monétaire de la Banque Centrale Européenne de l'année et deux indicateurs d'importance en provenance des Etats-Unis : le rapport sur l'emploi de novembre ainsi que l'inflation.Le CAC 40 a progressé de 0,70% et l'EuroStoxx 50 de 0,67%.Outre-Atlantique, les indices américains qui naviguaient en territoire positif à l'ouverture, se sont rapidement dirigés autour de l'équilibre, les investisseurs temporisant avant les différents rendez-vous attendus.A la clôture des marchés européens, les principaux indices perdaient entre 0,05% et 0,26%. Et du côté des valeurs : Le titre Sanofi a accusé la plus forte baisse de l'indice CAC 40 avec une chute de 3,26% alors que le laboratoire pharmaceutique a annoncé deux mauvaises nouvelles, à savoir l'échec d'une étude et un retard réglementaire concernant son traitement expérimental contre la sclérose en plaques (SEP). Hébergé par Ausha. Visitez ausha.co/politique-de-confidentialite pour plus d'informations.

De Monaco, on croit tout connaître... et pourtant. Au milieu du XIXe siècle, la seigneurie devenue principauté en 1612 est amputée de la presque totalité de son territoire. Seuls et inaccessibles, l'aride Rocher et le port semblent condamnés. Pourtant, de ces écueils, Charles III, descendant des Grimaldi, va faire des atouts. Entre tradition et modernité, le petit pays se fraie un chemin, toujours avec l'appui des régimes qui, en France, se succèdent. Ce récit est aussi celui d'une série de personnages visionnaires : la famille Blanc fondatrice d'un empire, Monte-Carlo et sa Société des Bains de Mer ; Albert Ier, prince savant fondateur de l'océanographie?; Serge de Diaghilev, créateur des Ballets russes?; Raoul Gunsbourg et René Blum, frère de Léon, qui président aux destinées de l'opéra et du théâtre... De Charles Garnier à Jean Cocteau, d'Albert Santos-Dumont à Jacques-Yves Cousteau, artistes, sportifs, scientifiques contribuent à cette aura improbable et mythique. Une histoire inédite fondée sur des archives françaises et monégasques jusque-là inexploitées.Pierre Fabry est notre invité en partenariat avec le Salon du Livre d'Histoire de Versailles, pour les Interviews HistoireHébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Duncan Dale, CEO, Dale Underwriting Partners, said that while the reinsurance market has enjoyed two strong years, underlying claims data reveals worsening trends. Dale spoke with AM Best TV at the Rendez-Vous de Septembre conference, Monte Carlo.

Wall Street, les doutes sur l'IA persistent Les futures perspectives du géant des puces Broadcom a renforcé en fin de semaine les inquiétudes concernant le secteur de l'IA avec un recul de plus de 7% dans les premiers échanges. La valeur a été sanctionné après avoir mis en garde contre une baisse future des marges sur ses ventes de systèmes d'IA, et du manque de perspectives chiffrés. Sur ces nouvelles, l'indice Nasdaq corrigeait de plus de 1% dès l'ouverture. Quel est le programme économique cette semaine ? Les investisseurs prendront connaissance ce mardi du sentiment économique en zone euro mais aussi des dépenses de consommation aux Etats-Unis. Mercredi sera publié le dernier chiffre d'inflation en zone euro, et s'en suivra jeudi du dernier meeting de l'année de la banque centrale européenne sur sa décision de politique monétaire. Bonne journée à tousHébergé par Ausha. Visitez ausha.co/politique-de-confidentialite pour plus d'informations.

K vidění je například Laurin a Klement SD, Škoda Favorit 2 000 OHV, Škoda Rapid II nebo Škoda kabriolet Monte Carlo.

Une séance calme sur les marchés La séance d'hier s'est déroulée sans éclat, les investisseurs restant prudents avant les annonces très attendues de la Réserve fédérale américaine en soirée.A la clôture européenne, les indices étaient en léger repli en Europe comme aux Etats-Unis.À noter toutefois la belle performance de Roche, en hausse de 2,6 % à quelques encablures de la clôture, après des résultats prometteurs d'une étude sur un traitement expérimental contre le cancer du sein. Quelle sera la tendance du jour  Les décisions de la Fed devraient donneront le ton en Europe ce matin, les marchés ayant fermé avant l'intervention de Jerome Powell.La politique monétaire restera à l'honneur avec la Banque nationale suisse qui livrera son verdict ce matin.Rendez-vous ensuite à 14h30 Outre-Atlantique, pour les chiffres hebdomadaires du chômage, portant sur la semaine close le 6 décembre. Côté entreprises, toujours aux États-Unis Broadcom dévoilera ses résultats du quatrième trimestre et CostCo ceux du premier trimestre. Enfin Euronext publiera après la clôture européenne la revue de la composition de l'indice CAC 40.Le dernier changement remonte à septembre de cette année, quand le titre Téléperformance était sorti de l'indice parisien. Hébergé par Ausha. Visitez ausha.co/politique-de-confidentialite pour plus d'informations.

Chris's SummaryJim and I discuss secure income as we review a Yahoo Finance article for middle-class retirees. We use it to highlight longevity considerations and the differences between guaranteed income approaches and traditional safe withdrawal rate or Monte Carlo methods. We also cover where spending-segmented planning and hybrid long-term-care annuities might fit in. Jim's “Pithy” SummaryChris and I discuss an article titled “How Middle-Class Retirees Can Make Their Money Last 25 Years or Longer” to get into the parts of retirement planning that actually matter when you may be retired for far longer than the industry tends to model. The article leaves out the realities of aging, the changing ability to manage complex finances, and the specific expenses that follow you for life, which lets me lay out why the Minimum Dignity Floor needs to be treated differently from everything else rather than blended into one big withdrawal strategy that assumes stability where none exists. I talk through why I push back so hard on traditional safe withdrawal rate thinking, especially the notion that retirees should simply trim spending whenever markets dip. I know you’ve probably heard me say it before – that approach ignores the reality many retirees face by not addressing what people cannot reduce and overstating what they can. It also glosses over how income behaves differently depending on its source, why some streams ratchet upward while others swing unpredictably, and how risk pooling creates stability that a portfolio alone cannot. The gaps in the article also give room to dig into long-term care, including why certain tax-driven situations make hybrid LTC annuities funded by non-qualified contracts worth considering. And underlying all of this is the point that the goal is not to react to markets for decades on end—it is to build a structure that supports the life you want to live. That is where secure income becomes essential. Show Notes: Yahoo Finance Article The post The Importance of Secure Income for Retirement: EDU #2550 appeared first on The Retirement and IRA Show.

Les investisseurs retiennent leur souffle avant la réunion de la Fed ce soir. Les séances s'enchaînent sans grande volatilité, les indices restent proches de zéro, dans l'attente du discours de Jerome Powell.Pour rappel, les derniers sondages donnent près de 89 % de probabilité à une baisse des taux.Du côté des matières premières, seul le pétrole fait des vagues. Après avoir franchi les 60 dollars, le baril est retombé à 58,26 dollars, plombé par des stocks trop élevés et une demande qui reste insuffisante.L'or reste stable autour de 4 200 dollars, et le Bitcoin se maintient juste au-dessus des 90 000 dollars. Du côté des valeurs Le président américain, Donald Trump a de nouveau fait parler de lui en relançant la bataille des puces : Il autorise Nvidia à vendre le modèle H200, issue de l'ancienne génération Hopper, à des clients approuvés en Chine mais impose une taxe de 25% sur chaque vente.Une décision qui vise à protéger la sécurité nationale tout en maintenant l'avance américaine dans l'IA.Hébergé par Ausha. Visitez ausha.co/politique-de-confidentialite pour plus d'informations.

In this special seasonal episode, you and Tom resurrect Ha or Duh, tearing through Investopedia readers' “rules to live by” and dismantling the silliest ones with mock gravitas. Between the dad-joke arms race, a spirited defense of compounding, strong opinions on due diligence, and a surprising detour into crypto-mad zip codes, the show blends real financial guidance with holiday-season chaos. The episode also hits deeper listener questions on rebalancing, Roth vs. pre-tax strategy in high brackets, and the danger of thinking blue chips alone equal diversification. 0:04 Seasonal return of Ha or Duh and setup of Investopedia's “investing rules” 1:32 Rule 1: Never sell because of emotions — duh 2:44 Rule 2: “Only invest in what you know” — emphatic huh 3:35 Rule 3: Good investment in a bad market — phrasing unclear, lean duh 4:26 Rule 4: Never underestimate compounding — mega-duh 5:35 Rule 5: Cash and patience as “positions” — hard huh 6:25 Segment break into calls 7:49 Back to Ha or Duh lightning round 8:33 Buy low, sell high — duh (with caveats) 9:58 “Losses are tuition you won't get at uni” — pass 10:21 Hold for the long term — duh 11:09 Marathon, not sprint — duh 11:39 Is education the best investment? Nuanced disagreement 12:45 “Always do your own due diligence” — modified duh (about advisors, not stocks) 15:22 FOMO avoidance — duh 16:27 Final rule: Start now — biggest duh of all 17:41 Wrap-up and transition back to regular Q&A 18:06 Listener question: Finding the “sociopath son” episode 19:28 Setup for Friday's Q&A episode 20:18 Don's town turns into “free Disney World” during holidays 21:51 Disney hotel pricing shock and personal stories 23:42 Don's new original Christmas story: Santaverse 24:01 Story podcasts spike; Short Storyverses mention 25:28 Listener from Bothell: 90% blue chips, 10% cash — how to rebalance? 26:39 Why blue chips aren't diversified and the S&P concentration problem 28:52 Listener in high bracket asks when Roth beats pre-tax 30:26 SECURE Act 2.0 catch-up rules; Roth vs. pre-tax philosophy 32:10 Monte Carlo vs. unknowable future tax rates 33:26 Why all-Roth 401(k)s would simplify life 34:28 Advice: Likely stay pre-tax in 24% bracket 35:50 Shocking stats: Seattle among highest crypto-owning zip codes 37:24 Air Force bases dominate crypto ownership — why it's dangerous Learn more about your ad choices. Visit megaphone.fm/adchoices

More Info: https://www.jilldodd.com/ In the 1980s, Jill Dodd determined that her ticket out of an abusive home was to make it as a top model in Paris. Armed with only her desire for freedom and independence, she embarks on an epic journey that takes her to uncharted territory—the Parisian fashion industry with all its beautiful glamour and its ugly underbelly of sex, drugs, and excess. From there, Jill begins an eye-opening roller-coaster adventure that includes trips to Monte Carlo, s'xual exploitation, and falling in love with one of the richest men in the world, soon becoming one of his many wives—until she ultimately finds the courage to walk away from it all and rebuild her dreams. In The Currency of Love, she “writes earnestly and refreshingly about learning many of life's more difficult lessons the hard way” (Kirkus Reviews) with page-turning accounts of her struggles and triumphs as she paved her path through a dangerous and seductive world, before ultimately coming into her own as the founder and creator of global fashion line, ROXY. This “raw and inspiring story” (PopSugar) with a feminist fairy tale twist reveals how one woman chose to live her life without forfeiting her independence, ambition, creative expression, and free spirit, all while learning one invaluable lesson: nothing is worth the sacrifice of her integrity, inner peace, and spirit. Support My Shows Here - https://linktr.ee/projectrooq LIVE STREAM TTS DONATIONS - https://streamlabs.com/projectrooq/tip Project ROOQ Website MORE CONTENT - https://www.projectrooq.com/ My Patreon - patreon.com/projectrooq Instagram - www.instagram.com/projectrooq/ #PODCAST #YOUTUBE #DISCLOSURE #SHAUNATTWOOD #PROJECTROOQ #NEWS *****************************

Many people make more money and somehow feel more afraid. Afraid to decide. Afraid to lose. Afraid to look foolish. Afraid to miss out. https://www.youtube.com/live/00ErZ7MiuEM This isn't a fringe problem. It's everywhere.And it's solvable. Bruce and I recorded this episode to hand you a simple tool you can use to reframe fear and build the kind of financial life that runs on clarity, certainty, and stewardship. Overcoming financial fear starts hereWhat Financial Fear Really IsMake Financial Fear Work For YouScarcity vs Abundance With MoneyWhy Typical Financial Planning Fuels AnxietyTraditional Planning Builds CertaintyPut Money Back In Its PlaceHow Media and Culture Feed FearThe Practical System To Overcome Financial FearTypical Planning vs Traditional PlanningTypical PlanningTraditional PlanningOvercoming Financial Fear: From scarcity to abundance – your next stepBuild certainty, not anxiety – listen in and take your next stepBook A Strategy CallFAQ – Overcoming Financial FearWhat causes financial fear?How do I overcome financial fear fast?What is the abundance mindset with money?Is money good or evil?Why does typical retirement planning increase anxiety?How do cash flowing assets reduce financial fear?How does whole life insurance help with financial fear?What is traditional financial planning? Overcoming financial fear starts here If you've ever hesitated before a money decision, second guessed yourself after signing the paperwork, or stayed stuck because the “what ifs” grew louder than your purpose, you've met financial fear. This article will help you: Understand what financial fear really is, and why even high net worth families feel it. Swap a scarcity mindset for an abundance mindset without pretending fear disappears. See why typical planning fuels anxiety and how traditional planning builds certainty. Put money back in its place as a neutral tool and elevate stewardship. Take practical steps today to move from reaction to intentional design. If fear has been in the driver's seat, it's time to move it to the passenger side and make it serve your mission. What Financial Fear Really Is Let's start at the root. Fear is not your enemy.  It's a God-given alarm for imminent danger. As Bruce says, fear can save your life when a car barrels toward you. You don't want to pause and philosophize. You jump. The problem is when that same survival response starts running your money decisions. You either freeze and hoard, or you sprint from shiny object to shiny object because you're afraid to miss out. Different behaviors. Same scarcity. I've watched fear show up in two common ways: Fear of running outThe miser mindset. White knuckles. No generosity. No strategic investment. Just “hold on or else.” Fear of missing outThe constant upgrader. Bigger house, better boat, newer thing. Always chasing, never satisfied. Both are scarcity. Neither is abundance. Abundance isn't reckless. It's not denial. It's a settled conviction that value creation is limitless, and that you can make wise, long range decisions because you are a producer, not just a consumer. Make Financial Fear Work For You The most successful people don't lack fear.They refuse to let fear set the agenda. They put emotions under the leadership of a renewed mind. They use fear as a prompt to prepare, to do the work, to practice courage, and to move anyway. Here's a quick loop Bruce and I use: Name the fear. Say it out loud. Interrogate it. What's the real risk, the real timeline, the real magnitude? Reframe it. What productive action can this fear fuel today? Act. Small, specific steps beat ruminating every time. Review. Talk to yourself like you talk to a friend. Record wins. Build evidence. Courage is a muscle.Train it. Scarcity vs Abundance With Money I like to picture a continuum with scarcity at the bottom and abundance at the top. On both ends of the bell curve, scarcity looks different but feels the same. On one end, scarcity hoards and hides. On the other, scarcity spends to soothe and signal. Abundance sits at the top and does something else entirely. It designs a system where money can be saved, used, enjoyed, replenished, and directed toward a bigger mission. It recognizes that money follows value, and value flows from serving people well. Abundance knows this truth: Money is neutral.It's a magnifier of the soul. Put money in the hands of a wise steward and it multiplies blessing. Put money in the hands of a fool and it multiplies damage. Money did not change the heart. It revealed it. This is why character formation, family culture, and clear guidance are not side notes in finance. They are the engine. Why Typical Financial Planning Fuels Anxiety Typical planning was built to end your productivity.Work until X. Stop. Spend down the pile. Hope you don't outlive it. Because the goal is “stop,” the math has to guess a thousand variables. Guess your lifespan. Guess returns. Guess inflation. Guess taxes. Run a Monte Carlo and call it “certainty.” It's not certainty. It's a string of guesses. When your entire strategy rests on projections you can't control, you feed fear. You start managing to the simulation instead of managing to your mission. You also fragment your financial life into compartments that don't talk to each other. Save a little here, speculate a little there, and pray it nets out. No wonder so many feel anxious. Traditional Planning Builds Certainty Traditional planning doesn't ask, “When can I stop being productive?”It asks, “How do I keep producing, stewarding, and compounding value for generations?” That one shift changes everything. Traditional planning prioritizes: Cash flowing assets over pure appreciationThink businesses and investments that spin off usable cash today and tomorrow. Liquidity and control so you can seize opportunitiesDry powder matters. Optionality reduces fear. Properly designed whole life insurance as a foundational assetGuaranteed cash value, contractual certainty, and a death benefit that refills the family bucket. This is family banking and a reliable backstop that turns risk setbacks into recoverable chapters. Integrated estate design that includes guidanceA will and trust are the shell. A string family culture, Memorandum of Trust, clear roles, and love letters are the substance. Don't just transfer assets. Transfer wisdom and intent. A producer mindsetWe don't retire from purpose. We refine it. We build the family enterprise and train the next generation to steward it. Traditional planning removes guesswork where you can and embraces guarantees where they exist. That is how you replace fear with confidence. Put Money Back In Its Place Many people carry a hidden belief that money is bad. Movies preach it. Social feeds imply it. And if you've absorbed “money is evil,” you will sabotage your own success and feel guilty about every win. I love the picture Bruce learned on the football field. Football didn't build character. It revealed it. Money is the same. It shows what is already true in your heart and in your habits. When money is your god, it runs your life and ruins your relationships. When God is first and people are second and you include yourself in the command to love your neighbor as yourself, money becomes a powerful means to bless, build, and multiply good. Order brings peace. Peace calms fear. How Media and Culture Feed Fear Fear sells. Whether it's the markets, politics, or the latest doom headline, your attention is the product. If you feed fear 24 hours a day, fear will set your financial thermostat. We do something very simple in our family. We curate inputs. We stay informed without bathing in anxiety. Perspective is your most valuable asset. Guard it. The Practical System To Overcome Financial Fear Let's translate this into steps you can take this week. Audit your mindset.Write down three places fear is currently driving your decisions. Name whether it's fear of running out or fear of missing out. Clarify your long-range vision.Lift your eyes. Where do you want your family to be in 25, 50, 200 years? What values do you want embedded in your lineage? Your vision pulls you forward better than fear pushes you around. Strengthen liquidity and cash flow.Increase savings. Build or acquire cash flowing assets. Stop relying solely on appreciation and projections. Add guarantees where they belong.Evaluate properly structured whole life insurance as part of your base. Use it to store capital, access liquidity, and provide a guaranteed death benefit that refills the bucket and de-risks the plan. Integrate your estate design with guidance.Build or update your will and trust. Write your Memorandum of Trust. Clarify roles. Draft love letters to your heirs. Do not leave interpretation to chance. Build producer habits.Study. Create. Serve. Keep solving real problems. Producers attract opportunities. Opportunities expand options. Options reduce fear. Practice the self-talk you'd give a friend.Review wins. Document what worked. Speak to yourself with the same encouragement you offer others. This widens your capacity to choose faith over fear. Typical Planning vs Traditional Planning Use this quick contrast to evaluate your current path. Typical Planning End date focus Spend down a pile Reliant on projections Fragmented accounts Rate of return obsession High anxiety, low control Traditional Planning Ongoing production Cash flow focus Guarantees where possible Integrated system Value creation obsession High certainty, higher control Choose your operating system. Choose your outcomes. Overcoming Financial Fear: From scarcity to abundance – your next step

After a brief off-season, 2026 preparations are already underway for Alex de Minaur, who joined Viv and Matt on this week’s episode from his base in Monte Carlo. The Aussie No.1 enjoyed the chance to reflect on his 2025 season, during which he reached his first AO quarterfinal and won his 10th career ATP title in Washington DC – while also overcoming burnout and shifting perspective – to achieve his highest year-end ranking. Those performances saw him nominated once again for the prestigious Newcombe Medal, awarded to Australia’s most outstanding player and ambassador for the sport. ‘Demon’, as he is affectionately known, also dived into his passion for collecting vintage cars, his wedding plans, how he switches between English and Spanish, plans for his foundation, and how he’d love nothing more than a deep run at Australian Open 2026. Listen to the full episode here. AusOpen.comiHeartApple PodcastsSpotify Host handles:@Viv_Christie@MattyATSee omnystudio.com/listener for privacy information.

In der heutigen Folge gibt es die Weltmeisterkrönung von Lando Norris und Rennanalyse zu Abu Dhabi 2025 Wir sind auch auf Instagram erreichbar: https://www.instagram.com/formulanerdpodcast Wir freuen uns über Kritik, Ideen und weitere Anregungen, um unser kleines Projekt für euch immer Besser zu machen. Viel Spaß wünschen Marc und Manu. E-Mail: formulanerdpodcast@web.de Dieser Podcast wird vermarktet von der Podcastbude.www.podcastbu.de - Full-Service-Podcast-Agentur - Konzeption, Produktion, Vermarktung, Distribution und Hosting.Du möchtest deinen Podcast auch kostenlos hosten und damit Geld verdienen?Dann schaue auf www.kostenlos-hosten.de und informiere dich.Dort erhältst du alle Informationen zu unseren kostenlosen Podcast-Hosting-Angeboten. kostenlos-hosten.de ist ein Produkt der Podcastbude.

In der heutigen Folge gibt es die Weltmeisterkrönung von Lando Norris und Rennanalyse zu Abu Dhabi 2025 Wir sind auch auf Instagram erreichbar: https://www.instagram.com/formulanerdpodcast Wir freuen uns über Kritik, Ideen und weitere Anregungen, um unser kleines Projekt für euch immer Besser zu machen. Viel Spaß wünschen Marc und Manu. E-Mail: formulanerdpodcast@web.de Dieser Podcast wird vermarktet von der Podcastbude.www.podcastbu.de - Full-Service-Podcast-Agentur - Konzeption, Produktion, Vermarktung, Distribution und Hosting.Du möchtest deinen Podcast auch kostenlos hosten und damit Geld verdienen?Dann schaue auf www.kostenlos-hosten.de und informiere dich.Dort erhältst du alle Informationen zu unseren kostenlosen Podcast-Hosting-Angeboten. kostenlos-hosten.de ist ein Produkt der Podcastbude.

À Monte-Carlo, un savant discret affirme pouvoir accomplir l'impossible : transformer de la terre en or. Très vite, banquiers, aristocrates et aventuriers de la finance s'arrachent son secret. Mais derrière les portes closes des laboratoires improvisés, entre expériences troublantes, manipulations et trahisons, la vérité devient… explosive.Pierre Bellemare raconte cette extraordinaire histoire dans cet épisode du podcast "Les récits extraordinaires de Pierre Bellemare", issu des archives d'Europe 1.Crédits :  Réalisation et composition musicale : Julien Tharaud Rédaction et production : Estelle LafontPatrimoine sonore : Sylvaine Denis, Laetitia Casanova, Antoine Reclus Création du visuel : Luowen Wang Remerciements à Roselyne Bellemare et Mariapia Bracchi-BellemareHébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Work or pleasure? Whatever the excuse, Buncey found his way to Monte Carlo for a dramatic night of boxing that saw Shabaz Masoud outpoint Peter McGrail to claim the European super-bantamweight title. Joined by Darren Barker, he looks back at that fight and the others on a dramatic night of boxing. We also hear from Conah Walker after his stunning 12th-round knockout of Pat McCormack, and from Johnny Fisher, who overcame an early knockdown to stop Ivan Balaz.

Promoter Eddie Hearn talks tomorrow night's show in Monte Carlo headlined by Shabaz Masoud and Peter McGrail. The Matchroom Chairman also previews Johnny Fisher's ring return, the IBF World Lightweight Title clash between Bea Ferreira and Elif Turhan, Conah Walker vs Pat McCormack and gives off some general updates including Callum Smith. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Send us a textIn this episode, Lasy Petra and Saffermaster discuss the experience of living a created life, starting out in a kink dynamic and the journey over 7 years transforming their relationship into a blissful experience of being alive over a Monte Carlo. The Kinky cocktail Hour is brought to you by Motorbunny, the best saddle style vibrator on the market today. Save $40 on your Motorbunny purchase with the code LADYPETRAPLAYGROUND at Motorbunny.com You can order the TechRing, "Where health meets pleasure" at http://myfirmtech.com using the code "KINKY" to save 15%. Put a ring on it!Support the showHard Married: A Guide to Building Lasting Love by Unlocking the Secrets of Deep Intimacy. Get your copy of this new book by Saffer here: https://tinyurl.com/Hard-Married Visit Hardmarried.net Listen on Podurama https://podurama.com

See what 2026's housing costs and mortgage rates might mean for your homebuying plans and learn when you can safely coast on retirement savings. How is the housing market reshaping homebuying going into 2026? When can you stop saving for retirement and still feel confident about your future? Hosts Sean Pyles and Elizabeth Ayoola discuss Coast FI and long-term retirement planning to help you understand when “enough” might truly be enough. But first, senior news writer Anna Helhoski joins Sean and Elizabeth to discuss the year in housing with mortgage writers Holden Lewis and Kate Wood. They review how ultra-low pandemic mortgage rates helped fuel today's affordability crisis, why rising climate risks are driving up home insurance and escrow costs for owners, and how shifting trends like older first-time buyers and fewer buyers with kids are changing what “normal” looks like in the housing market. Then, Sean and Elizabeth discuss Coast FI with listener Paul, who wonders if his roughly $3 million nest egg means he can finally ease off saving for retirement. They discuss how Coast FI differs from traditional FIRE (Financial Independence, Retire Early), ways to manage retirement anxiety even when the math says you're on track, and how a certified financial planner can use tools like Monte Carlo simulations to pressure-test a plan. They also explore balancing long-term security with near-term goals like travel, buying a home, or upgrading a car, strategies for diversifying investments and accounts for tax efficiency, and how to gently transition from aggressive saving to actually enjoying more of your money today. NerdWallet Wealth Partners is a fiduciary online financial advisor, offering low-cost, comprehensive financial advice and investment management: https://nerdwalletwealthpartners.com/  Inspired to navigate your finances with an advisor? Use NerdWallet Advisors Match to find vetted professionals today at https://www.nerdwalletadvisors.com/match  Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header In their conversation, the Nerds discuss: housing market 2026 forecast, housing affordability crisis, mortgage rates 2026, climate change home insurance, rising home insurance premiums, escrow costs increase, home buying budget, when to buy a house, renting vs buying a home, age of first time homebuyer, delaying homeownership, property taxes and insurance costs, Coast FIRE, how much is enough to retire, retirement anxiety, financial independence, living below your means, high savings rate, couples financial planning, Monte Carlo simulation retirement, certified financial planner, balancing saving and spending, money fears, money stories, currency risk in retirement, travel in retirement, and multiple savings goals. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

Johnny Fisher and his army of fans flock to Monte Carlo for this weekend's big card. The Romford Bull talks about his late change of opponent in Ivan Balaz, training under Tony Sims' at the Matchroom gym, his love of coffee and England's cricket chances against Australia in the remaining Ashes Test matches. Learn more about your ad choices. Visit podcastchoices.com/adchoices

It's Fight Week in Monte Carlo and what a humdinger we have in the Welterweight division coming up when Conah Walker collides with Pat McCormack. We speak with The Wolf on the ground to discuss the fight, we also break news that there's two ranking belts on the line and his potential route to a World Title and possible rematch with Lewis Crocker. Learn more about your ad choices. Visit podcastchoices.com/adchoices

You've probably noticed that life insurance rarely comes up in wealth management conversations. When it does, it's usually dismissed with vague rules about income levels or net worth thresholds that don't actually mean anything. We think that's a problem worth addressing. In this episode, we explore why cash value life insurance deserves a seat at the wealth management table. You'll hear about the specific attributes that make it valuable—not as a path to massive wealth multiplication, but as a solid complement to your other investments. We cover the tax efficiency advantages that go beyond simple tax deferral. You'll learn how life insurance distributions don't count toward provisional income calculations that determine Social Security taxability. We explain how they also avoid triggering IRMAA surcharges on Medicare Part B and D premiums. These benefits become increasingly valuable as your retirement income grows. We discuss the predictability advantage life insurance offers compared to market-based investments. While we're not anti-index funds or real estate, life insurance doesn't require Monte Carlo simulations with 85% success probabilities. You get much greater certainty in your income planning. The conversation also covers how life insurance eliminates the constant reallocation decisions that come with traditional portfolios. You won't find yourself wondering whether to de-risk before a market correction or trying to time your next move. It simply continues doing what it does consistently well. We emphasize throughout that life insurance isn't a replacement for everything else in your wealth management strategy. It's one tool that should work alongside your other investments, sized appropriately for your personal situation and risk tolerance. The key is starting decades before you need it. ______________________________ Ready to explore how life insurance fits into your wealth management strategy? Contact us to discuss your specific situation and see if this missing piece belongs in your financial plan.

Alex Maloney, group CEO, Lancashire Group, points to accepting market cycles, building strong relationships, and avoiding quick fixes as competition intensifies. Maloney spoke with AM Best TV at the Rendez-Vous de Septembre in Monte Carlo.

In this episode, we feature two conversations that highlight PWL's culture, values, and intentional approach to advice. We first sit down with Trevor Daigle and Brett Watt, founders of EB Wealth in Halifax, to talk about why they chose to merge their thriving independent practice with PWL — PWL's first acquisition in Atlantic Canada. Trevor and Brett open up about what they saw in PWL's infrastructure, culture, and client-first philosophy, the internal hurdles they had to clear (including their own egos), and the moment they realized they "couldn't unsee" what PWL had built. Then, in the second half of the episode, PWL Portfolio Manager and Financial Planner Phil Briggs walks us through a remarkable real-world case. A podcast listener's father decided to take the commuted value of his defined benefit pension… and the family approached PWL to invest it. Rather than simply execute the plan, Phil stepped back to rigorously analyze whether that decision made sense at all. The result is one of the most compelling demonstrations of evidence-based financial planning we've featured on the show — covering risk pooling, tax implications, Monte Carlo results, survivor benefits, and the emotional side of decision-making. Key Points From This Episode: (0:00:51) Welcoming Trevor and Brett — and why their practice, EB Wealth, aligned so closely with PWL's holistic philosophy. (0:02:30) How long-term cultural fit, infrastructure, and research depth drove their decision to join PWL. (0:04:57) "We can't unsee that": The moment a visit to Ottawa convinced them PWL's values were real at every level. (0:07:45) Their biggest concern: giving up control after years of running an independent practice — and how that shifted. (0:09:43) Setting aside ego: How thinking long-term and client-first changed their perspective on joining PWL. (0:11:35) What excites them most about the future: growth, learning, and being surrounded by experts who prioritize client outcomes. (0:13:17) Seeing PWL's collaborative culture in action — and why industry-typical "sales meetings" were nowhere to be found. (0:14:43) Transitioning clients and feeling the immediate impact on conversations and relationships. (15:05) The setup: A podcast listener reaches out after his father already decided to take the commuted value of a DB pension. (17:25) Why Phil was surprised — and the questions he wanted answered before talking about investing. (17:25–18:49) The benefits of staying in a DB pension: risk transfer, inflation protection, and mortality pooling. (19:07) The risks: employer insolvency, underfunding, and historical examples like Sears Canada and Nortel. (20:10–22:04) Evaluating pension solvency: sponsors, surplus status, funding ratios, diversification, and regulatory filings. (23:49) Reasons someone might take the commuted value: investment preferences, life expectancy concerns, and survivor benefits — the central issue in this case. (25:15–30:52) The tax trap: how the "excess amount" of a commuted value can trigger immediate taxation — in this case at the 53.53% marginal rate — and how RRSP room and PARs interact. (31:26–33:53) Modeling the decision: building retirement scenarios in financial planning software, including spending, inflation, CPP/OAS, rental income, and Monte Carlo analysis. (34:00–37:54) Results: 60/40 investment after commuting: overfunded plan but with significant volatility. 100% equity: higher legacy, similar failure rate. Leaving the pension with the employer: similar retirement score but dramatically higher Monte Carlo success (96%) due to guaranteed income, inflation hedging, and tax smoothing. (38:32–40:55) Why the pension's stable income floor and deferred taxation made such a big difference — even in a shortened-life-expectancy scenario. (41:05–41:37) Other firms simply accepted the commuted-value plan; PWL was the only firm to fully analyze the decision. (43:50–44:53) How personal values, risks, and emotional comfort interact with data in real financial planning decisions. (45:00–47:28) The next decision: choosing between a higher pension with a 2/3 survivor benefit or a lower pension with a 100% survivor benefit — and how break-even analysis (age 81) informed the client's choice. (47:44–48:31) Why planning software provides clarity people can't get through gut feel alone. (48:31–49:59) Trust and incentives: why turning down a large investable sum was the right decision — and why PWL celebrates that. (50:08–51:01) Culture + incentives: how PWL's structure allows advisors to prioritize clients without sales pressure. Links From Today's Episode: Meet with PWL Capital: https://calendly.com/d/3vm-t2j-h3p Rational Reminder on iTunes — https://itunes.apple.com/ca/podcast/the-rational-reminder-podcast/id1426530582. Rational Reminder on Instagram — https://www.instagram.com/rationalreminder/ Rational Reminder on YouTube — https://www.youtube.com/channel/ Benjamin Felix — https://pwlcapital.com/our-team/ Benjamin on X — https://x.com/benjaminwfelix Benjamin on LinkedIn — https://www.linkedin.com/in/benjaminwfelix/ Cameron Passmore — https://pwlcapital.com/our-team/ Cameron on X — https://x.com/CameronPassmore Cameron on LinkedIn — https://www.linkedin.com/in/cameronpassmore/ Ben Wilson on LinkedIn — https://www.linkedin.com/in/ben-wilson/ Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com)

En el último episodio de noviembre repasamos algunas de nuestras novedades favoritas presentadas a lo largo del mes.Playlist;(sintonía) LANGHORNS “Monte Carlo confidenziale”RADIOACTIVITY “Time won’t bring me down”X “Struggle”GNOMES “Better with you”LES KITSCHENETTE'S “Poison”PLANBEE BEE SEA “Holy money”GLYDERS “Stone shadow”THE HEADCOATS “If people don't like it (it must be good)”PLADÜR “Torreznos”BLOODSHOT BILL “Bones rattle”HOWLIN RAMBLERS “Shadow son my trail”THE LEMON TWIGS “Friday (I’m gonna love you)”EXNOVIOS “Naves misteriosas”GEESE “Cobra”JE’TEXAS “No vacancy”HONEYBEAR THE BAND “Work in progress”LITTLE RACHEL “You don’t owe me a thing”SHARP PINS “I don’t have the heart”L.H.D. “The river forgets”Escuchar audio

Get your customized planning started by scheduling a no-cost discovery call: http://bit.ly/calltruewealth Most retirees worry about whether their money will last—but few understand the real variables that determine success. In this episode, we go beyond the usual “spend less, earn more” advice and unpack the math that truly drives a sustainable retirement: the rate of return you actually need, how to stress-test your portfolio against bear markets, and why flexible withdrawals can extend the life of your nest egg. Tyler Emrick, CFA®, CFP®, walks through how a real financial plan uses Monte Carlo simulations, withdrawal sourcing strategies, and tax-smart distribution planning to give you confidence—even in volatile markets. If you want your money to last as long as you do, this episode will give you the framework to make smarter decisions today and a stronger plan for tomorrow. Here's some of what we discuss in this episode:

Please have your driving gloves at the ready - there's plenty of car chat in today's episode. Jane and Fi also chat replenishing the store cupboard, Windy Miller, cricket, and the dying art of sweet and sour. Please get your thoughts in for book club! We will be recording it this week. You can listen to our 'I've got the house to myself' playlist here: https://open.spotify.com/playlist/2MkG0A4kkX74TJuVKUPAuJIf you want to contact the show to ask a question and get involved in the conversation then please email us: janeandfi@times.radioFollow us on Instagram! @janeandfiPodcast Producer: Eve SalusburyExecutive Producer: Rosie Cutler Hosted on Acast. See acast.com/privacy for more information.

We went live, the chat exploded, and a listener voiced what so many feel but rarely say out loud: “I've followed the rules—so why doesn't my Retirement Plan feel safe?” https://www.youtube.com/live/gFQYEJWlWpI Bruce gave me the look that says, “Let's tell the truth.” Because we've seen it over and over: neat projections, tidy averages, and a plan that works—until the world doesn't. Markets don't ask permission. Inflation doesn't use a calendar. Life throws curveballs, blessings, and bills. If your Retirement Plan only survives in a spreadsheet, it's not a plan—it's a hope. Today, let's trade hope for structure and anxiety for action. What You'll Gain From This GuideYour Retirement Plan Isn't Just Math—It's LifeRetirement Planning Risks You Can't IgnoreSequence of Returns RiskInflation and the Cost-of-Living SqueezeTaxes (The Leak You Don't See)Is the 4% Rule Still Useful? The 4% Rule Is a Guide, Not a GuaranteeThe Cash-Flow ToolkitFoundations — Guaranteed Income in RetirementFlexibility — Cash Value Life InsuranceDiversifiers — Alternative Income InvestmentsRetirement Plan Buckets Liquidity / “Free” Bucket (safety net)Income Bucket (essentials)Growth / Equity Bucket (long-term engine)Estate / Legacy Layer (optional)Taxes: Design for Control, Not SurpriseBehavior, Purpose, and Work You LoveInfinite Banking—Where It Fits in a Retirement PlanWhat Makes a Strong Retirement Plan?Take the Next StepBook A Strategy CallFAQWhat makes a strong retirement plan?Is the 4% rule safe for my retirement plan?How do taxes impact my retirement plan?Can whole life fit into a retirement plan?What are retirement income buckets?How can I protect my retirement from inflation?What's the role of annuities vs bonds in a retirement plan?Who qualifies as an accredited investor? What You'll Gain From This Guide In this article, Bruce and I break down what actually makes a strong Retirement Plan for real families: Why accumulation-only thinking creates a false sense of security—and how to pivot toward reliable income. The big retirement planning risks to plan for: sequence of returns risk, inflation and retirement, and taxes. Why the 4% rule retirement guideline is a starting point, not a promise. How to use retirement income buckets—in the same language we used on the show—to avoid selling at the worst time. Where guaranteed income in retirement, cash value life insurance, and (when appropriate) alternative income fit. How Roth conversions, withdrawal sequencing, and structure put you back in control. You'll walk away with a practical framework to move from “big balance” thinking to a Retirement Plan you can live on—calmly. Your Retirement Plan Isn't Just Math—It's Life Static models vs dynamic lives.As Bruce said, no family is static. Monte Carlo averages over 50–100 years don't describe your next 20. Averages hide timing risk. If poor returns arrive early while you're withdrawing, “average” performance won't save the plan—cash flow will. From accumulation to income.Most of us were trained to chase a number. But the goal of a Retirement Plan isn't a pile—it's predictable cash flow you can spend without gutting your future. That shift—from “How big?” to “How dependable?”—changes the tools you choose and the peace you feel. Use the LIFE purpose filter.We run every dollar through a purpose lens: Liquid, Income, Flexible, Estate. When each bucket has a job, decisions get simpler and outcomes get sturdier. Retirement Planning Risks You Can't Ignore Sequence of Returns Risk How Your Retirement Plan Avoids Selling Low Sequence risk is the danger of bad returns showing up early in retirement. If your portfolio drops while you're taking income, you must sell more shares to fund the same lifestyle. That shrinks the engine that's supposed to recover—and can cut years off a plan. Your protection: hold dedicated reserves and reliable income so market dips don't force sales. (We'll detail our buckets in a moment—exactly as we discussed on the show.) Inflation and the Cost-of-Living Squeeze Build Inflation Awareness Into Your Retirement Plan Prices don't rise politely. Even modest inflation, compounded, squeezes fixed withdrawals. Bond yields, dividend cuts, and rising living costs can collide. Your protection: blend growth and income that can adjust, avoid locking everything into fixed payouts that lose purchasing power, and review spending annually so your Retirement Plan keeps pace with reality. Taxes (The Leak You Don't See) Retirement Plan Tax Strategy & Withdrawal Sequencing Withdrawals from tax-deferred accounts are ordinary income. That can: Push you into higher brackets Trigger IRMAA Medicare surcharges Increase the taxation of Social Security Complicate capital gains planning Your protection: design taxable, tax-deferred, and tax-free buckets; use Roth conversions in favorable years; and sequence withdrawals to manage brackets and RMDs—not the other way around. Is the 4% Rule Still Useful? The 4% Rule Is a Guide, Not a Guarantee Stress-Test Withdrawal Rates You Can Actually Live With We don't hate the 4% rule; we just refuse to outsource your life to it. Yields, inflation, fees, and timing change the math. When low-yield years pushed chatter toward “2.8%,” it proved the point. A better approach: Stress-test 3%–5% withdrawal rates. Add non-market income (pensions, annuities vs bonds, business/real-asset cash flow). Keep dedicated reserves so you don't sell at the bottom. Turn a rule of thumb into a plan. The Cash-Flow Toolkit Foundations — Guaranteed Income in Retirement Cover Essentials, Then Take Prudent Risk A predictable floor is priceless. Pensions, Social Security, and income annuities can cover core expenses so volatility doesn't dictate your grocery list. You trade some upside for contractual certainty—and many families prefer sleeping well to chasing every basis point. Flexibility — Cash Value Life Insurance Downturn Buffer, Tax-Advantaged Access, and Legacy Backfill Done properly, this can strengthen a plan: Downturn buffer: use cash value to fund spending during market slides—avoid selling equities at a loss. Tax-advantaged access: policy loans/distributions (managed correctly) can supplement income without spiking taxable income. Legacy backfill: the death benefit protects a spouse and replenishes assets for heirs, letting you spend with confidence. This is one reason infinite banking retirement thinking resonates: control and optionality matter when life isn't linear. Diversifiers — Alternative Income Investments Accredited Investor Rules, Liquidity, and Position Size For those who qualify under accredited investor rules, private credit, income-oriented real estate, or operating businesses can provide alternative income investments with lower correlation to public markets. They're not risk-free and often lack daily liquidity—so size positions prudently. The draw is simple: steadier cash flow vs accumulation. Retirement Plan Buckets We didn't frame them by time horizons on the episode; we framed them by purpose. Here's the exact structure we discussed and use with families: Liquidity / “Free” Bucket (safety net) Cash, money market, CDs, cash value life insurance.Purpose: fund spending and surprises without touching equities during a downturn; bridge timing gaps so sequence risk doesn't bite. Income Bucket (essentials) Social Security, pensions, annuity income, bond ladders, durable dividend payers.Purpose: dependable monthly cash flow for core lifestyle needs so markets don't control your paycheck. Growth / Equity Bucket (long-term engine) Broad equity exposure and other long-term growth assets.Purpose: outpace inflation and periodically refill income/liquidity buckets. Estate / Legacy Layer (optional) Life insurance death benefit, beneficiary designations, trusts.Purpose: protect a spouse and pass values + capital with clarity. Taxes: Design for Control, Not Surprise Roth conversions:Convert slices of tax-deferred money when brackets are favorable to grow your tax-free bucket. Withdrawal sequencing:Blend taxable/Roth/tax-deferred withdrawals to target bracket thresholds, manage IRMAA, and soften RMDs later. Give with intention:If charitable, consider appreciated assets or bunching strategies; align with your estate plan. We also coordinate tax buckets—taxable, tax-deferred, and tax-free (Roth/cash value)—so your Retirement Plan controls brackets, IRMAA, and RMDs rather than the other way around. A tax-smart Retirement Plan can add years of sustainability without asking for more market risk. Behavior, Purpose, and Work You Love Clarity about why the money matters anchors behavior when markets wobble. Travel with grandkids? Fund ministry? Launch a family venture? Purpose steadies the hand. And one more lever: if you enjoy your work, consider delaying full retirement. Each extra year can improve the math dramatically—more contributions, fewer withdrawal years, and potentially higher Social Security benefits. Infinite Banking—Where It Fits in a Retirement Plan Lenders profit from your lifetime financing. Strengthening your family's “bank” can keep more control in your hands: Finance major purchases through your system rather than outside lenders—recapture more interest. Maintain cash value as a volatility buffer. Use the death benefit to protect a spouse and fund legacy goals. It's not magic. It's discipline and design—complementary to the rest of your Retirement Plan. What Makes a Strong Retirement Plan? Built for dynamic lives, not static spreadsheets. Prioritizes cash flow you can spend, not just a big balance. Plans around sequence risk, inflation, and taxes—on purpose.

This episode of the Global Medical Device Podcast features a compelling conversation with Perry Parendo, a seasoned expert in product development and project management within the MedTech sector. Host Etienne Nichols and Perry delve into the challenges and opportunities facing medical device development, emphasizing the critical role of agile practices, risk management, and the necessity for a patient-focused approach. The discussion sheds light on how companies can navigate regulatory landscapes, manage project risks, and drive innovation to enhance patient care.Key Timestamps:00:00:15 - Introduction of Perry Parendo and the episode's focus00:03:50 - Discussing the challenges of MedTech product development and regulatory hurdles00:12:20 - Agile methodologies vs. traditional project management in MedTech00:22:35 - The importance of risk management and Monte Carlo simulation in project planning00:34:10 - Perry's perspective on innovation, compliance, and balancing project priorities00:45:55 - Strategies for efficient and effective product development processesQuotes:"We're so focused from a compliance point of view on patient and health risk, we're not focused on project risk. And when I worked in the defense industry, we were hugely focused on project risk," Perry Parendo"There's waterfall, there's agile, there's Toyota, there's set based design, and there's APQP in the automotive industry. They're all a blend. There's no organization that's doing purely the theoretical of any one of those processes," Perry ParendoTakeawaysInsights on MedTech Trends:The convergence of agile and traditional methodologies tailored to MedTech's unique demands.The rising importance of advanced risk management techniques, like Monte Carlo simulations, in navigating project uncertainties.A call for innovation that transcends regulatory compliance to genuinely benefit patient care.Practical Tips for Listeners:Adopt a flexible approach to project management by integrating various methodologies based on project needs.Prioritize risk management early in the development process to foresee and mitigate potential challenges.Always align product development objectives with the ultimate goal of improving patient outcomes.Questions for Future Developments:How will evolving regulatory standards shape the next generation of medical devices?What role will patient feedback play in the design and development of future MedTech innovations?Can MedTech sustain its pace of innovation while ensuring safety and compliance?References:Perry Parendo on LinkedInEtienne Nichols on LinkedInBehavioral Grooves podcast with Annie Duke - Thinking in BetsBook - Someday is Today, Ron RichardYoutube video - the Heartbeat of New Product DevelopmentQuality Culture for Product Design SuccessDesign News Columns

In today's Frequent Miler on the Air podcast, we'll look at United's cardholder discount, Hilton's Diamond Reserve status, and we'll rank the perks of hotel elite benefits from Marriott, Hilton, Hyatt, and IHG.Giant Mailbag(01:13) - "I just spent the day in Nice and Monte Carlo and I have you to blame..."Bonvoyed(03:30) - United increases prices for close-in award bookingsRead more about United's increased prices for close-in award bookings here.Awards, Points, and More(06:08) - Bilt/Rakuten: Read more about earning Bilt points with Rakuten here.(08:36) - Add your Passport to your Apple Wallet(11:11) - Hilton Diamond ReserveRead more about Hilton Diamond Reserve status here.(19:57) - Read more about Greg's opinion about how Hilton's Diamond Reserve status disappoints here.Main Event: Elite Benefit Battle: Marriott, Hilton, Hyatt, and IHG(23:52) - Free breakfast, lounge access, suite upgrade certificates, guaranteed late check-out: which program has the best benefits?(24:20) - Primary shortcuts(30:36) - Comparing Hilton, Hyatt, IHG, and Marriott for free breakfast(40:21) - Comparing Hilton, Hyatt, IHG, and Marriott upgrade certificates(50:43) - Comparing Hilton, Hyatt, IHG, and Marriott lounge access(58:05) - Comparing Hilton, Hyatt, IHG, and Marriott, 4 PM Late check-out guaranteedQuestion of the Week(1:03:54) - Are there banks that let you refer to a lesser card if you have the more premium card?Learn more about Amex multi-referrals here.Subscribe and FollowVisit https://frequentmiler.com/subscribe/ to get updated on in-depth points and miles content like this, and don't forget to like and follow us on social media.Music Credit – “Ocean Deep” by Annie Yoder

Robert Wiest, CEO, MS Reinsurance, discusses reinsurance trends, the importance of underwriting discipline and strategies for managing risk in a changing market. Wiest spoke with AM Best TV at the Rendez-Vous de Septembre conference, Monte Carlo.

John Cavanagh, co-founder, Beat Capital Partners, discusses how managing general agents matured into underwriting leaders, specialty growth, client focus and responses to emerging risks. Cavanagh spoke with AM Best TV at the Rendez-Vous de Septembre conference, Monte Carlo.

Jocke och Jonna har varit borta i två veckor på sin långa Europaroadtrip, så Jonas ringer för att kolla läget med dem. Jocke hatar Tyskland, Jonna älskar McRösti, båda älskar Monte Carlo och barnen är både på bråkhumör och språkhumör. En helt vanlig semester alltså. * Det här är ett gammalt avsnitt från Podme. För att få tillgång till Podmes alla premiumpoddar samt fler avsnitt från den här podden, helt utan reklam, prova Podme Premium kostnadsfritt. *

Andy and Ben Brandt from Retirement Starts Today share their thoughts on a handful of current events and "hot topics" relating to retirement planning. Specifically, they talk about: Thoughts on Monte Carlo analysis; the good, the bad, the ugly ( 9:10 )Why all retirement plans are ultimately wrong as soon as they're made, and need to be agile and adaptable ( 13:30 )How to try to help people get comfortable spending the money they've accumulated ( 22:53 )Should people care how financial advisors dress? ( 29:18 )Is IRMAA (Income Related Monthly Adjustment Amount) something that needs to be avoided, or is it okay to knowingly pay some IRMAA in the name of longer term tax planning ( 35:12 )Are there any planning considerations or concerns people should have if the government shutdown continues to drag on ( 39:58 )Is renting a home (instead of owning or buying) a home in retirement okay ( 44:27 )Are Donor Advised Funds worth using ( 48:35 )Their thoughts on Artificial Intelligence and how it may impact financial and retirement planning ( 52:52 )Is it okay to pay taxes on Roth conversions by withholding it from the IRA, or should taxes on conversions only be paid with money outside of an IRA, such as in a bank or brokerage account ( 1:00:42 )Links in this episode:Ben's website - Retirement Starts TodayBen's YouTube channel - Even Better RetirementTo send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.comMy company newsletter - Retirement Planning InsightsFacebook group - Retirement Planning Education (formerly Taxes in Retirement)YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)Retirement Planning Education website - www.RetirementPlanningEducation.com

Most financial advisors still cling to the outdated "4% rule" — the idea that you can safely withdraw 4% a year from your retirement portfolio and never run out of money. But what happens when someone tells you to pull 8–10% instead? Total disaster. I ran the numbers using real Monte Carlo simulations. A 10% withdrawal rate only has a 3.3% chance of success. That means 97 out of 100 retirees would run out of money before they die. The math doesn't lie — but Wall Street might. The truth is, there is a smarter way. A system that lets you pull 2–3x more income, tax-free, and with safety and liquidity built in. Stop gambling your retirement on "hope and growth." Start building it on strategy and certainty.

Jesse returns for the 10th "Ask Me Anything" episode to tackle three listener questions that cut to the core of modern wealth planning. He opens with a deep dive into direct indexing, separating substance from sales pitch. While advocates tout it as the next evolution of indexing—combining personalization and tax-loss harvesting—Jesse explains why, for most investors, the extra complexity, cost, and tracking error outweigh the modest tax advantages, making low-cost ETFs the better long-term choice. Next, he answers a question from a listener whose retirement timeline doesn't align with their spouse's, exploring how couples can navigate income changes, healthcare coverage, and tax strategy when one partner stops working years before the other. He breaks down the pros and cons of filing jointly versus separately, showing why joint filing almost always leads to lower overall taxes and greater flexibility. Finally, Jesse delivers a masterclass on decumulation—the art and order of withdrawing money in retirement. From spending taxable assets first to preserving Roth and HSA accounts for last, he maps out how smart sequencing, Roth conversions, and bracket management can extend portfolio life, minimize taxes, and keep retirees financially steady through every stage of the journey. Key Takeaways:• Direct indexing isn't revolutionary for most investors—it's often an overhyped, higher-cost alternative to low-cost ETFs with limited long-term benefits. • Married filing jointly is almost always the better tax choice, offering lower overall tax rates, higher standard deductions, and broader eligibility for credits. • Before changing filing status, couples should test both scenarios using online 1040 tax calculators to see the real impact on their total tax bill. • Guardrail and Monte Carlo strategies help retirees adjust withdrawal rates dynamically based on market performance, rather than using a rigid 4% rule. • HSAs can be used as stealth retirement accounts, reimbursing decades-old medical expenses tax-free or even acting as traditional IRAs after age 65. • The key to successful retirement planning is flexibility—balancing tax efficiency, market uncertainty, and personal goals to ensure sustainable income for decades. Key Timestamps:(02:24) – Tax Loss Harvesting: Strategies and Examples (10:06) – Direct Indexing: Pros and Cons (17:18) – Financial and Tax Planning for Lopsided Retirements (24:09) – Retirement Withdrawal Order of Operations (32:39) – Real-Life Financial Planning Experiences (40:56) – Roth Conversions and Tax Bracket Management (45:37) – Optimizing for Post-Death and Social Security Timing (52:26) – Common Mistakes in Retirement Withdrawal Strategies Key Topics Discussed:The Best Interest, Jesse Cramer, Wealth Management Rochester NY, Financial Planning for Families, Fiduciary Financial Advisor, Comprehensive Financial Planning, Retirement Planning Advice, Tax-Efficient Investing, Risk Management for Investors, Generational Wealth Transfer Planning, Financial Strategies for High Earners, Personal Finance for Entrepreneurs, Behavioral Finance Insights, Asset Allocation Strategies, Advanced Estate Planning Techniques Mentions:https://bestinterest.blog/retirement-withdrawal-order-of-operations/ https://www.guidestone.org/resources/education/calculators/tax/tax1040 https://bestinterest.blog/0-capital-gains-vs-roth-conversions-how-to-optimize-in-your-financial-plan/ https://bestinterest.blog/spousal-survivor-divorced-social-security/  More of The Best Interest:Check out the Best Interest Blog at https://bestinterest.blog/ Contact me at jesse@bestinterest.blog Consider working with me at https://bestinterest.blog/work/ The Best Interest Podcast is a personal podcast meant for education and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.  

What a show we have coming up in Monte-Carlo on Saturday 6 December. Eddie Hearn hosts a launch press conference with Shabaz Masoud and Peter McGrail plus undercard fighters Pat McCormack, Johnny Fisher and Sean McComb. Listen in to what is promising to be one of the lineups of 2025. Learn more about your ad choices. Visit podcastchoices.com/adchoices

In this episode of Movie Torture, Brad, Jacob, Hannah and MTD tackle the comedy "Once Upon a Crime," where three couples navigate a murder mystery in Monte Carlo. With a gambling husband, a cheating wife, and a dog with a fortune, the plot is as unpredictable as it is funny. Hannah, Brad, and Jacob also discuss the evolution of their podcast's intro songs, while Jacob talks about how him and Brad went to the movies the night before this recording and Brad lost his wallet and highlighting Troy's unforgettable reactions to scary scenes. Join The Pod Father, The First Lady, and Brad as they explore mistaken identities, unexpected twists, and a surprising conclusion. Tune in for a mix of humor, intrigue, and a standout canine performance.Follow Movie Torture here:https://www.instagram.com/movietorturepod/Buy Merch here:https://www.bonfire.com/store/the-hopecast-network-swag/This show is brought to you by The Hopecast Networkhttps://www.instagram.com/hopecastnetwork/

Don and Tom tackle the timeless topic of diversification — why it's back in style, why it's so hard to maintain, and why most investors (and pros) still get it wrong. They walk through how market “leadership” shifts over decades, the global vs. U.S. split, and why comparing your portfolio to the S&P 500 is often a trap. Listener questions cover ETF access at T. Rowe Price and Vanguard, whether to invest or pay down debt, and how the 5% flexible withdrawal rule works in early retirement. Plus, the guys riff on Halloween candy inflation, Social Security COLA bumps, and Don's LitReading “Scary Story Season.” 0:04 Show open — Saturday radio edition and why repetition matters in financial education 1:03 The fashion of diversification — and why it's “back in style” 2:27 International and small-cap value resurgence 3:15 Why investors chase past returns instead of diversifying 4:02 Gold, inflation, and recency bias — lessons from the 1980s 5:21 U.S. vs. international allocation debate: market cap vs. 50/50 6:20 The long wait for Japan's market recovery 7:41 Practical diversification tools — AVGE, DFAW, VT 8:19 Stop comparing everything to the S&P 500 9:08 Historical proof: global portfolio vs. S&P since 1931 10:02 Caller Charlie — buying Avantis or DFA ETFs through T. Rowe Price or Vanguard 12:39 How fund custodians differ from managers 13:27 Checking portfolio exposure with Morningstar 14:42 Caller Gabe — invest or pay off debt? 16:45 When to pay off a car loan vs. mortgage 19:35 How to handle multiple mortgages and long-term plans 20:22 Social Security's 2026 COLA bump and the “good news/bad news” of $102 more a month 22:21 Inflation realities — coffee, beef, and Halloween candy 25:02 Candy talk — shrinkflation and Don's trick-or-treat haul 25:54 LitReading plug: “Scary Story Season” and Philip K. Dick's The Hanging Man 27:34 Search “Don McDonald” in Apple Podcasts — chiropractor cameo included 29:05 Listener Victor (a.k.a. George) — can $4 million last 60 years with 5% withdrawals? 31:38 How the flexible withdrawal method works in practice 33:49 Retirement purpose, Monte Carlo results, and FIRE skepticism 37:41 Kindleberger quote on bubbles and envy: “There's nothing so disturbing as to see a friend get rich.” 38:55 Kindleberger's background and Manias, Panics, and Crashes Learn more about your ad choices. Visit megaphone.fm/adchoices