Podcasts about peak wealth management

Nick Hopwood, CFP® of Peak Wealth joined Ryan Ermanni on WJR to unpack the new federal newborn investment accounts and how families can let those funds grow from day one. He highlighted how long-term compounding, paired with the Dell family's philanthropic commitment to expand access, could spark a new generation of investors and help level the playing field for kids from all backgrounds. Catch Nick on WJR the first Wednesday of every month on the No Lazy Money show with Jim Pilat, hosted by Ryan Ermanni. — Peak Wealth Management is a financial planning and wealth management firm in Plymouth, MI. We believe by providing education and guidance, we inspire our clients to make great decisions so they can Retire With Peace of Mind. Stay Connected With Us: Podbean: findingtruewealth.podbean.com YouTube: / @peakwealthmgmt Apple: rb.gy/1jqp6 (Trust the Plan Podcast) Facebook: Facebook.com/PeakWealthManagement Twitter: Twitter.com/nhopwood1 www.peakwm.com  

This week on the Trust the Plan Podcast, Nick Hopwood, CFP® and Jim Pilat, CFP® kick off with a Thanksgiving recap and highlights on Michigan football. Plus, they share a big announcement: starting December 2025, catch them live on the first Wednesday of each month at 7 PM on WJR for No Lazy Money with Ryan Ermanni, an hour-long show diving into what “No Lazy Money” really means.  — Peak Wealth Management is a financial planning and wealth management firm in Plymouth, MI. We believe by providing education and guidance, we inspire our clients to make great decisions so they can Retire With Peace of Mind. Stay Connected With Us: Podbean: findingtruewealth.podbean.com YouTube: / @peakwealthmgmt Apple: rb.gy/1jqp6 (Trust the Plan Podcast) Facebook: Facebook.com/PeakWealthManagement Twitter: Twitter.com/nhopwood1 www.peakwm.com  

1 hour and 43 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, Champions Circle, Winewood Organics, Community Pest Solutions, Venue by 4M where record this, and Introducing this season: Radecki Oral Surgery, and Long Road Distillers. 1. Offense vs Ohio State Starts at :51 Good thing this is pivoting to being a snacks podcast. Combos are way up there as far as gas station snacks go. Every time Ohio State got into a 3rd down situation they would just drop back and throw it to an open receiver. When Michigan was in this situation, Ohio State would just man up and Bryce had nowhere to throw. Those substitutions that happened all season continued in this game. Is trophy done going brrr? You cannot have this many holes in your team and expect to compete with Ohio State. The offensive line didn't look as dominated as it seemed, if Jordan Marshall and Justice Haynes played the whole game they'd probably break some more big runs. It didn't seem like Chip Lindsey brought much into this game that was built off of what they had been doing all season. Maybe Bryce froze up (pun not intended) a bit. He only had five throws at halftime? Guarnera actually looked really good, Frazier and Sprague held their ground. The reasons this offense didn't shine this season weren't because of the offensive line. Who's even going to sit out on offense in the bowl game?  2. Defense vs Ohio State Starts at 29:05 Giving up 27 points to Ohio State seems not that bad but we're still done with Wink. Ohio State's 3rd down conversions were the easiest possible. Neither Barham nor Derrick Moore got anywhere near Sayin all game. The 5-2 came back... It's year two, the defense shouldn't be this simplified. Yes, simplify it early on but it cannot be simplified against Ohio State. He learned nothing from the USC game, Wink needs to get fired and if he isn't then that's on Sherrone. There was a 20 play 81 yard field goal drive that took 12 minutes off the clock. That goal line stand was nice, though. Ohio State was at their own 10 but the backups were in?? Also it's a Fox broadcast, there's plenty of time to rest your starters during tv timeouts! There's a lot of work that needs to be done on the defensive line going into next year. The waves of elite defensive tackles has run its course.  3. Hot Takes, Game Theory, and Special Teams Starts at 53:38 Takes hotter than... idk. I'm out of ideas just like Michigan's coaches. The first sign that it was over was when Ohio State declined a holding call and then held Michigan on 3rd and 5. Zvada made field goals and a mob didn't have to come after Brian (they would've been right to do so). Hollenbeck had an 11 yard punt. Keeping Andrew Marsh just to fair catch punts is a valuable skill, don't make him a kick returner though. Kicking field goals early on 4th down felt like the right thing at the time, it could've been a stupid blizzard game later. You'd trust Zvada to make these field goals more than you'd trust the offense to get six yards in the redzone. Apparently an Ohio State player had head butted a Michigan player and Barham was demonstrating - but also don't do that. Jeremiah Smith almost had the funniest application of the worst rule in football. There were a lot of Ohio State fans at this game, how does that keep happening? Were there Ohio State fans near you and if so what was the experience near them like?  4. Around the Big Ten with Jamie Mac Starts at 1:25:11 Oregon 26, Washington 14 Washington's hyped offense just never came true in any of their big games this year. Oregon locks up a playoff bid, they'll probably get the G5 bid or the ACC champions. Penn State 40, Rutgers 36 Congrats to Penn State on getting bowl eligibility. This was a shootout. Tamper with the Rutgers receivers.  Minnesota 17, Wisconsin 7 Wisconsin is not good.  Michigan State 38, Maryland 28 Jonathan Smith was fired after this recording. There might've been 10,000 fans at this game but the weather kept a lot of people home.  Illinois 20, Northwestern 13 Snow game!  Iowa 40, Nebraska 16 Just a first half blowout without much effort in the 2nd half. A very disappointing ending to Nebraska's season. Nebraska is 2-10 the last three years in November. USC 29, UCLA 10 UCLA lead at halftime and then USC ran away with it in the 2nd half.  Indiana 56, Purdue 3 A year after Indiana gave Purdue their worst loss in the rivalry they give Purdue their first home loss in the rivalry. MUSIC: "Colors Change"—Tanks and Bangas "Too Good Too Bad"—Jason Scott and the High Heat "My Girlfriend Doesn't Worry"—Jeffrey Lewis and the Voltage “Across 110th Street”—JJ Johnson and his Orchestra   

The Sponsors We want to thank Underground Printing for starting this and making it possible—stop by and pick up some gear, check them out at ugpmichiganapparel.com, or check out our selection of shirts on the MGoBlogStore.com. And let's not forget our associate sponsors: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklar Brothers, Winewood Organics, Community Pest Solutions, Radecki Oral Surgery, Long Road Distillers, and SignalWire where we are recording this. Featured Musician: Sunday the Band THE VIDEO: [After THE JUMP: The show notes.]  --------------------- 1. Ohio State Preview: Offense starts at the top Forecast is wind and snow, the real blizzard arriving after the game. Other than one guard they all range from solid to stars. They're back to what they were in 2021-'22, with a future 1st round QB in Julian Sayin who reads leverage on Ryan Day's standard multi-level drag routes and throws to the guys getting open. Those guys: Jeremiah Smith, the future #1 overall pick, and Carnell Tate, who will be a 1st rounder this year. Both have been banged up, but we think they're both going to play and more or less be themselves, with an excuse banked if they lose. Where they've advanced is they use a lot more two-TE sets, particularly Max Klare, a true blocky+catchy hybrid who may necessitate a hybrid response. They use the TEs in clever RPOs to create space for Sayin's throws, and are good enough in the run game with Bo Jackson to punish you for overplaying pass. 2. Ohio State Preview: Defense starts at 16:59 Be afraid. Illinois gained 295 yards on 4.2 YPP and Washington gained 234 yards on 4.4 YPP. Alex Drain does not like Matt Patricia, but he's slimmed down himself and his playbook and has Ohio State playing at an elite level. That's Caleb Downs, the guy Corum juked for a touchdown in the Rose Bowl, and now the best player in football, who's allowed to rove around and make plays while they man you with everybody else. It's also the play of their linebackers; Sonny Styles was the guy Corum juked on the 6-5 touchdown, but was always supremely talented and is at the peak of his game. Arvelle Reese was another big recruit; he came on last year and is in the conversation to go 1st overall as a grow-a-Parsons. He can be a safety, a DE, a linebacker, or anything. They can get away with all of that man and blitzing LBs because Igninosu, Matthews, and Styles are excellent athletes in coverage, and the Big Ten doesn't like to flag their grabbiness. The next generation of DBs is coming up—you remember trying to recruit Aaron Scott and Bryce West, plus #8 overall Devin Sanchez. They replaced four superstars on the DL with a superstar, a star, and two Just-Guys. Kayden McDonald is the lone member who wasn't a top-50 recruit but he's the star, and is probably a step too far Crippen and Guarnera. Caden Curry made the leap; he's Jack Sawyer 2.0, a strong pass-rusher and a force against the run. Kenyatta Jackson is equally strong against the run but is a block-and-done rusher. Tywone Malone has been there for ages. 3 and 4. Hoops in Vegas After-Action Report starts at 31:49 and 44:49 Beat Auburn by 30 and SDSU and Zaga by 40. Teams came into this thinking they could blitz Michigan's ball screens, Michigan came in having practiced their response to it. Zaga thruck? Look who took their shots—those aren't their shooters. The defense has been incredible; Morez allows you to be switchable when Mara is off the court and when he's on there's nowhere to go with the ball. Zaga had to take a bunch of push shots from 12 feet that are good shots for them, but that's not going to sustain an offense. Cason is coming around, though the offense is still much smoother with Cadeau. Turnovers are going to be the thing for this team again; when they get anything like even shot volume they're murder because their threes are open and they have all of these guys who score at the rim. Yaxel is becoming the Weapon that he was thought to be in the portal, but is extra dangerous because he doesn't have to be. Big-big actions are going to have to level up now that teams are sitting on them. This is where you bring in Tschetter, because a team that prepared for Johnson is out of sorts. Featured Artist: Sunday the Band If it wasn't for Brad Dumont I might still be in the Rose Bowl parking lot. Brad recognized us, let us in his car, and took us to Randy Sklar's place in time to catch Washington vs. Texas. He also put on the music of his then-14-year-old son Nate. Part of this had to be the fact Michigan had just won 26-20 in overtime in Nick Saban's last game. Also these kids rocked. It's relatable catchy stuff with a funky rhythm that's way more advanced than anyone ought to be at that age. Apparently in the two years since these high schoolers have picked up a following in the Pasadena music scene, but were getting in at the bottom floor; these are the two songs they've recorded so far. Trouble in Paradise was the one we were bouncing around to like middle-aged Mikey Sainristils. Rewind hits right now. Also give it up for a four-piece band when all the stuff that gets pushed these days are from solo artists and collabs. You can make fun of me now then turn this on for the ride home after we win. Songs: Rewind Trouble in Paradise Also because Across 110th Street will get our Youtubes taken down, the opener and outro: “The Employee is Not Afraid”—Bear vs. Shark “Ruska Vodka”—Motorboat

Nick Hopwood, CFP and founder of Peak Wealth Management, shares strategies to help Americans retire with confidence. From navigating market volatility and comparing brokers like Robinhood, Schwab, and Fidelity, to making the most of forgotten 401(k)s and last-minute Roth conversions, Nick covers it all. Get your finances in peak shape before the year ends.  Visit PeakWM.com/Gruber to get in on the last chance for a Roth Conversion before year end!

1 hour and 45 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, Champions Circle, Winewood Organics, Community Pest Solutions, Venue by 4M where record this, and Introducing this season: Radecki Oral Surgery, and Long Road Distillers. 1. Offense vs Maryland Starts at :51 It doesn't feel good to just beat up on Maryland the week before The Game. Dave explains a soft and gooey snack for all of you to enjoy. Bryce was okay! He's worked on a nice seam route with an arc to Marlin Klein that he didn't have before the bye. And a dig route! There was one bad pass which was a tough throw to make anyways. Can he go and win The Game? Probably if the defense can do enough. This was never going to be a challenge for the offensive line but they exceeded expectations anyways. The Ohio State game might be a bridge too far, though. Kuzdzal is a step down from Justice Haynes and Jordan Marshall but he's got some juice. They succeeded on wedge! Andrew Marsh almost completed the Odell Beckham?? He's a star going forward. Marlin Klein hurdled a fool, Goodwin had a few catches. It was nice of Maryland to just run into themselves and let Michigan do what they wanted.  2. Defense vs Maryland Starts at 34:09 There was an opening drive touchdown with various guys being offsides again, but then there wasn't much until the backups came in. Pleeeease do not be rotating the back-seven against Ohio State all game. Derrick Moore has 11 sacks, imagine if he played more! Ernest Hausmann did not travel, Cole Sullivan was back (and possibly a little rusty). This performance didn't build confidence in holding Ohio State to 10 points again, a lot of Maryland receivers were running open. Brandyn Hillman had another good game, maybe that mini-suspension was the best thing for his career. He was even directing players into position. Some of Maryland's drops count as triple drops. There's just not much interior rush from this defensive line, maybe play Barham at linebacker against OSU so you can blitz him. Does Wink actually call plays without knowing or caring which personnel are out there? This year you don't have the two best defensive tackles in America and you can't bait Ryan Day into running into a six man box.  3. Hot Takes, Game Theory, and Special Teams Starts at 56:08 Takes hotter than yours truly after he got through the hot takes intro and had to re-do them because the Sklars dropped out of the call. Brian broke Zvada. Chase Taylor gets +4 on the onside kick recovery, that did not feel good. There was no punting from Michigan so we don't have to complain about punting. Marsh had some nice punt returns?? End of first half time management was less than ideal, Goodwin lined up in the wrong spot and they should've called timeout. Stop jumping offside! The late hit by Brandt was a weak call, so was the one on Bryce Underwood. Every replay angle was field-level and somehow they're contradictory?  4. Around the Big Ten with Jamie Mac Starts at 1:19:43 Oregon 42, USC 27 A close-ish looking boxscore but Oregon scored 28 first half points. Oregon has figured out some things after the Indiana game, they're in the 99th percentile in opportunity run rate. They're starting to look like the championship team they were hoping to be.  Iowa 20, Michigan State 17 Iowa pulls out a classic game that they don't deserve to win. MSU QB Alessio Milivojevic punted three times. Michigan State's 8 game losing streak is tied for the 2nd longest, the program record is 10. Tickets for MSU vs Maryland at Ford Field after the game are free!  Northwestern 38, Minnesota 35 An offensive explosion game! Northwestern wins at Wrigley for the first time in 8 attempts.  Wisconsin 27, Illinois 10 Neither team gets to 300 yards of offense. This was the first time all season that Wisconsin scored in the first and second quarter.  Penn State 37, Nebraska 10 The Grunk throws 12 times for 181 yards, that'll do it. Nebraska goes 1 of 6 on 4th down. Who is Penn State's number 1 coaching candidate?  Washington 48, UCLA 14 The Huskies continue to play without some of their stars but still blew out UCLA Ohio State 42, Rutgers 9 Ugh MUSIC: "Feel It Again"—Winyah "Drugs"—Philharmonik Live from NPR Tiny Desk "DBZ"—Your Old Droog and Method Man “Across 110th Street”—JJ Johnson and his Orchestra   

The Sponsors We want to thank Underground Printing for starting this and making it possible—stop by and pick up some gear, check them out at ugpmichiganapparel.com, or check out our selection of shirts on the MGoBlogStore.com. And let's not forget our associate sponsors: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklar Brothers, Winewood Organics, Community Pest Solutions, Radecki Oral Surgery, Long Road Distillers, and SignalWire where we are recording this. Featured Musician: The Band Feel THE VIDEO: [After THE JUMP: Things discussable.]  --------------------- Not necessarily in this order. 1. Maryland Preview: Offense starts at around noon They have a kid quarterback too, but Malik Washington doesn't have an offensive line or a running game to help him. He does have a redzone threat in Shaleak Knotts and a couple of other productive receivers. That offensive line is the problem—their left tackle is from Central Connecticut State and he's not even their worst OL. Their TE room is banged up and bad at blocking. The RB and TE are good receivers but don't contribute much to the run game either, and somebody on this team has to protect the QB. 2. Maryland Preview: Defense starts at around 12:20 PM They're very young—younger than we are. Remember when Jalen Huskey picked off JJ McCarthy in the endzone? Hint: it was the game JJ threw interceptions in 2023 and made us feel bad briefly. They're opportunistic in the secondary, and won some games early in the season because they pick the ball off. They also have some transfers who make the passing game tough sledding: an Ohio vagabond who gets the backfield, a true freshman pass rusher that M had its eye on. Safeties are the returning starters and the best part of the defense, but have to hang back and clean up after the kids. Prescription: pound 'em. 3. Hoops: TCU and MTSU After-Action Report starts around 12:40 PM This team can be maddening. They have eight to nine starters who will take over a game or throw it away on any given possession. Aday Mara can be inconsistent even when his height isn't, and that's why they're 6th in Kenpom. Team fixed its rebounding issues and sprung some major turnover issues that allowed MTSU back into a game they were out of, before they were out of it again. The Blue Raiders settled for a lot of jumpers—contested threes or pullup other twos, while M is scoring 1.4 PPP at the rim. That formula is going to work against a lot of teams, but San Diego State and Auburn are going to be real threats. 4. Northwestern After Review starts at around 1:00 PM Andrew Marsh, come on down. Already on star watch and boy do we like that. Bryce was pretty good except when he threw a REALLY BAD freshman interception and an only kinda bad OC interception because they went to the well one too many times against Robert Fitzgerald, who balled out. Run game: Jordan Marshall is special but Bryson Kuzdzal is playable. Offensive line continues to do well against this level of competition; got 70% of their available yards against a very good defense. Defensively Seth thinks he's figured out (finally) why Michigan's rotations are what they are, in part because Michigan finally figured out their rotations. They also tried a new 3-3-5 defensive strategy that uses Barham as a linebacker and Hausmann as a hybrid, but it suffered the same fate as a lot of Wink ideas when he springs something new. Fine games from Brandyn Hillman and Mason Curtis; not as mad at Bowles as I thought we'd be. Cam Brandt: that's still weird, at least in pass rush, but he did some things in the run game to justify himself again. Featured Artist: The Band Feel You know here at MGoBlog we're fans of the un-Googleable. The Band Feel, which will be at The Pig in a few weeks, looks, acts, and sounds like a lost act from the early 1970s. But man does it ever work now, and it's not like the psychedelic ideas stopped coming when all the Zeppelin knockoffs drank themselves into glam. The Band Feel picks up where Beck, Sabbath, Deep Purple, etc. left off, but they also work in all the threads that have been developed since. The hit is "Shoal Creek" which sounds like a long lost Led Zeppelin song, but I stumbled on "Fly Birdy, Fly" which weaves in some of the bluegrassy ideas that became country back into rock. Goodbye Virginia is off their 2024 EP but the others are from their newest album Into the Sun. Songs: Icarus Fly Birdy, Fly Goodbye Virginia Also because Across 110th Street will get our Youtubes taken down, the opener and outro: “The Employee is Not Afraid”—Bear vs. Shark “Ruska Vodka”—Motorboat

2 hours and 34 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, Champions Circle, Winewood Organics, Community Pest Solutions, Venue by 4M where record this, and Introducing this season: Radecki Oral Surgery, and Long Road Distillers. 1. Offense vs Northwestern Starts at :51 This doesn't even qualify as a top five weird Northwestern game (we list our top five). This week's snack of the week is organic pumpkin seeds. On one level, this kinda looked like Michigan's best game of the year on offense and defense. Michigan comes out slinging it and Bryce's confidence seemed like it was at another level, but he made young mistakes. What happened on Bryce's sacks? Playing Northwestern always kinda feels like they have your signs. Michigan was able to counter some of Northwestern's defensive counters. Most of the mistakes are coming from freshmen which is just something that happens. Missed cuts on zone is whatever but missed cuts on power isn't good. Bryson Kuzdzal came in and did just fine. Bryce's scrambles were pretty good and mostly improvisation, his interceptions were freshman stuff. Safeties were baiting him, can he anticipate that in the future? The first interception was not understanding how to read the coverage, the second one was just needing to throw the ball better. Andrew Marsh made the Michigan catch of the year, you have a dedicated receiver going into next year. You could have 12 of 14 boxes in a great position next year. Andrew Marsh is the best freshman receiver since... Manningham? How much does this performance mean against Ohio State? The reverse fumble is on Chip Lindsey.  [The rest of the writeup and the player after THE JUMP]  2. Defense vs Northwestern Starts at 44:15 Northwestern came into this game with a pretty good ground game and they got stuffed. This was a good game to run the 5-2 in, Northwestern is on the opposite end of the spectrum from USC. Northwestern's gamesmanship cost them two false starts, Michigan tipped what they were running multiple times. The defensive backs got beat a few times but sometimes a receiver just makes a nice play over you. You probably don't want to put Zeke Berry on Jeremiah Smith, Jyaire Hill is getting his star back. Brandyn Hillman tackled with his arms! He's grown as a much more mature player over the season. They're defending screens now! TJ Metcalf body-slammed a guy.   3. Hot Takes, Game Theory, and Special Teams Starts at 1:08:55 Takes hotter than suburban Chicago in mid-November. There seems to be differing views on how much people liked this venue for a football game. The camera shots were weird. Seth and Dave think the inside of the stadium is magical, Brian not so much. It might've actually been 90% Michigan fans. They did the best they could with clock management at the end of the first half. What about timeouts at the end of the second half? Zvada kicked the ball into the street outside of the stadium. Brian takes responsibility for the missed field goals by changing the preview. Semaj got replaced, he's a better player than he's performed but he may be overdue for a mental health break. 4th down decisions. NFL calculator says there's a complete coin flip in decision making. It shouldn't be a holding call if you're getting your ass kicked. Semaj was on the ground with the ball but they didn't overturn the fumble? There's no transparency between officiating and the fans, other conferences and sports are getting better at it. 4. Around the Big Ten with Jamie Mac Starts at 1:59:37 USC 26, Iowa 21 Iowa jumped out to a nice lead but scored zero points in the second half. The Hawkeyes lost three offensive linemen. The universe is paying them back for all the 10 win seasons they had no business having. USC is now a legitimate playoff contender.  Indiana 31, Wisconsin 7 This was a sludge fart for Indiana in the first half but put it away in the second. Wisconsin is one of the worst Big Ten offenses ever contemplated. Most of Wisconsin's offense was off of a couple weird plays.  Penn State 28, Michigan State 10 A rock fight between two of the worst teams in the league. Michigan State had 15 wins over the last three years... well at least they did. Penn State won the very ugly trophy which might actually be the best trophy and they looked like they really wanted it. Illinois 24, Maryland 6 Maryland is not even trying to run the ball anymore. Illinois ground them to a pulp. Don't throw at Maryland, just run them over.  Washington 49, Purdue 13 Washington doubles Purdue in yardage and most of that was likely garbage time for Purdue.  Oregon 42, Minnesota 13  This feels like danger zone for PJ Fleck. They could lose to Wisconsin?? Ohio State 48, UCLA 10 UCLA is without Nico in this game, their backup has never thrown a college pass. UCLA is moving out of the Rose Bowl??  MUSIC: "Slow Burn"—The Rose City Band "Swans"—Maston "Optimism"—Jana Horn “Across 110th Street”—JJ Johnson and his Orchestra  

wsg Rodger Sherman, founder of Sports!, formerly of The Ringer, coiner of "Fetty Wapping," college football hero. The Sponsors We want to thank Underground Printing for starting this and making it possible—stop by and pick up some gear, check them out at ugpmichiganapparel.com, or check out our selection of shirts on the MGoBlogStore.com. And let's not forget our associate sponsors: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklar Brothers, Winewood Organics, Community Pest Solutions, Radecki Oral Surgery, Long Road Distillers, and SignalWire where we are recording this. Featured Musician: Terry Klein THE VIDEO: [After THE JUMP: Things discussable.]  --------------------- Not necessarily in this order. 1. Northwestern Preview starts at the top They're fine. Their offense plods but for one good receiver or when their QB throws an INT, which he's got accuracy problems that were visible when he was a Rhett Ashlee QB at SMU. Their defense is decent, rotates, plays sound football of a Lloyd variety. Alex likes edge Aidan Hubbard more than Michael Kilbane (whom PFF prefers). Their DTs are a little undersized so they jump behind the line of scrimmage, which Nebraska was able to exploit down the stretch. 2. Northwestern Preview cont. wsg Rodger Sherman starts at 13:56 What's it like being a Northwestern fan these days? It's spending $800 million on an unnecessary stadium instead of players, because you can't put your name on players. 3. Wake Forest After-Action Report, and a short TCU Preview starts at 27:45 How many ways can we say Mara is a star? Defensive ceiling is ridiculous. Three-big lineup needs a name. We also talk about Matt D's findings regarding the defensive play of Michigan's guards, which was not at all what we expected. 4. Purdue Upon Further Review starts at 44:58 Young offensive line plus Zack Marshall and Jalen Hoffman continue to be good blockers—might meet their match vs Ohio State. Jordan Marshall is a beast. Bryce's second half wasn't great either—he was not feeling comfortable in the pocket, missed some RPO reads he made earlier. Need a bye to get right. Defensively, I wasn't mad about Wink. Don't say on the internet that I was mad. Defensively the kids were not alright and the defensive rotations were still weird, but more explainable given the injury circumstances. Long drives were explainable until Purdue figured out they were just running nail (where you insert a blitzing LB as a 5th lineman and play 5-1). Interested in Lugard Edokpayi. Featured Artist: Terry Klein I usually don't go for country music, but I do when it's made by Terry Klein (LSA 1995), a folk country artist from Austin who's been touring festivals the most hallowed singer-songwriter venues across the country for decades, and reading a lot of MGoBlog between stops. His last album Leave the Light On won a bunch of acclaim, making American Songwriter's list of the best records released in 2023. His fifth album, Hill Country Folk Music, just came out. Songs: I Used To Be Cool The Dirty Third The Job Interview Song     Also because Across 110th Street will get our Youtubes taken down, the opener and outro: “The Employee is Not Afraid”—Bear vs. Shark “Ruska Vodka”—Motorboat

Nick Hopwood, Certified Financial Planner and Founder of Peak Wealth Management, joins Steve Gruber to break down smart strategies for your retirement and investments. From new IRA, 401(k), and HSA contribution limits to catch-up rules for those over 50, Nick explains how to make the most of your money. He also compares Wirehouse advisors to RIAs, discusses the impact of the government shutdown on retirement planning, and weighs in on the latest mortgage trends. To get a free Social Security analysis and a second opinion with Nick and his team of CFPs to retire with confidence, visit peakwm.com/gruber.

2 hours and 26 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, Champions Circle, Winewood Organics, Community Pest Solutions, Venue by 4M where record this, and Introducing this season: Radecki Oral Surgery, and Long Road Distillers. 1. Men's Basketball vs Oakland Starts at :53 Everyone said "nice" at the halftime of this game. At first it didn't seem like the results meant much because Oakland looked really bad, but then they went and had a close game against Purdue. How much can you gather about Michigan fromhere? Trey McKenney was 6-8 from three and looked the part. He also had four assists and no turnovers, there were some Darius Morris qualities about him. Do they go with the very big rotation with Yaxel out? Will Tschetter seems to get more minutes when Yaxel is out, would like to see him step up as a four year player. Wake Forest was a bubble team last year and look like one this year, that game will tell us more about Michigan.  2. Previewing Men's Basketball in the Big Ten Starts at 21:31 In reverse Kenpom order Penn State They're bad. Rutgers How is this team even going to score a basket? They have seven teams scheduled in the 200s.  Minnesota Niko Medved's first year at Minnesota, but the roster does not look good. They'll compete with Rutgers and Penn State for the bottom spot. Oregon 35th in the preseason but have fallen considerably after a one point win over Hawaii and a four point win over Rice. They have a transfer from Elon, the Oregon NIL budget must be focusing on football.  Maryland The only Big Ten team with a loss. They shot terribly against Georgetown and were only in it because they scored 30 points off of free throws.  Northwestern They bring back Nick Martinelli, the guy who makes the worst shots you've ever seen (complimentary). They've blown out Mercyhurst and Boston, which would be impressive if it was hockey. Their center looks like Elvis. Washington Very young team starting two freshmen and two sophomores.  Nebrasketball Sam Hoiberg is still playing a majority of minutes, but at least the mustache is gone. They bring in the Icelandic Unicorn.  Iowa Ben McCollum's first year. Tavion Banks looked great at Drake last year but will probably hit a wall against the Big Ten.  Ohio State They beat IU Indianapolis 118-102, eek. They've retained a few players which is a big thing in college basketball now.  Michigan State More continuity and the best win in the Big Ten so far (69-66 over Arkansas). They're very experienced. They were awful at three point shooting a year ago and so far they're at 20% this year. This doesn't seem like a team that's going to win the league by three games but they didn't look like that last year.  Indiana Year one for Darian DeVries. They bring in a lot of new players and we don't know what to expect. This team is loaded with seniors. They're going to do what they do and then go away.  UCLA Mick Cronin is awesome, actually. How can a team starting Xavier Booker at center be? They have shooting but defense and rebounding are big questions. What if Mick Cronin yells at them more? USC Hey it's Terrance Williams. USC is surprisingly putting together a basketball program. Wisconsin They're 18th in Kenpom and looking at the roster doesn't make sense. There's no bench, either.  Purdue They bring back Braden Smith and Trey Kaufman-Renn. Fletcher Loyer is also back. Their 10 point win over Oakland was awkward. Jack Benter is an interesting freshman at guard. You can't second guess Matt Painter but they're missing their classic giant center that they build around.  Illinois This team is huge. They absolutely blew out Jackson State and Florida Gulf Coast. Pronounce Ivisic, or Petrovic, or Stojakovic, or Jakstsys.    3. Hot Takes and Hockey Updates Starts at 1:15:30 Takes hotter than the opposite of Kinnick Stadium, that looked miserable. Michigan split with Wisconsin over the weekend in a return to reality series. But it felt like worse than a split for what got exposed. Michigan couldn't get out of their zone but most teams on the schedule won't be able to replicate what Wisconsin did. Goalie Jack Ivankovic also just had a bad weekend which happens. Friday was such a fun game that was getting ruined by piped in music. They're being told to turn it down. Wisconsin seemed to really get under Michigan's skin and the frustration came out. The Big Ten is one of the best hockey leagues in the world and the league barely broadcasts games.    4. Around the Big Ten with Jamie Mac Starts at 1:45:28 Indiana 27, Penn State 24  Absolutely bonkers ending. The final two catches were amazing. This game raised questions about Indiana's ability to block next-level guys. Mendoza was pressured on 50% of dropbacks. Penn State did start the season with a group of players you would've thought would do that, though. All Penn State quarterbacks are now "The Grunk". Indiana was 2-25 against Penn State coming into this game and this was their first ever win in Happy Valley, the feels are still amazing for Hoosiers fans.  Oregon 18, Iowa 16 Oregon went into Kinnick during a rain storm and got almost the full Iowa experience (except that the safety happened to Iowa). The only stat that matters is that Oregon survived a November night(ish) game in Kinnick, survive and advance in that scenario.  Wisconsin 13, Washington 10 Played in similar conditions as Oregon vs Iowa, except this game sucked! Wisconsin's lead passer was the punter. This was a Big Ten West game and someone had to lose. If this wasn't in a sleet storm then Demond Williams probably gets more than 134 passing yards.  Nebraska 28, UCLA 21 Nebraska QB TJ Lateef goes 13/15 for 205 yards and 3 touchdowns. Dylan Raiola who? This was a very Big Ten game with limited possessions because both teams ran the ball a lot. Nebraska goes through so many running backs but might've finally found a guy. Rutgers 35, Maryland 20 Rutgers' running back Antwan Raymond rushed for 240 yards but Rutgers got outrushed. Maryland had six explosive plays and had a -0.4 EPA outside of those. Rutgers rescued their bowl hopes. USC 38, Northwestern 17 The boxscore is a blowout. USC had a fake punt pass that wasn't even legal. Why did they pull that out against Northwestern? It was close at the time. Ohio State 34, Purdue 10 merp MUSIC: "Feel For Love"—Michigan Rattlers "What's It All Mean"—Philharmonik "Sin Triangle"—Sidney Gish “Across 110th Street”—JJ Johnson and his Orchestra   

Nick Hopwood, CFP® and Jim Pilat, CFP® of Peak Wealth discuss ETFs – Exchange-Traded Funds —and the “Everyday Is Payday x2” concept, highlighting key points about dividends and investing strategies. In their discussion, they cover how ETFs are structured, the types of dividends investors may encounter, and the factors to consider when exploring income-focused investments. This content is for informational purposes only and is not financial advice or a recommendation. To learn more, visit peakwm.com. — Peak Wealth Management is a financial planning and wealth management firm in Plymouth, MI. We believe by providing education and guidance, we inspire our clients to make great decisions so they can Retire With Peace of Mind. Stay Connected With Us: Podbean: findingtruewealth.podbean.com YouTube: / @peakwealthmgmt Apple: rb.gy/1jqp6 (Trust the Plan Podcast) Facebook: Facebook.com/PeakWealthManagement Twitter: Twitter.com/nhopwood1 www.peakwm.com  

Nick Hopwood, CFP and founder of Peak Wealth Management, joins Steve Gruber to help Americans in the retirement “red zone” plan with confidence. Hopwood explains why getting a second opinion on your Social Security strategy can make a huge difference, and offers guidance on consolidating accounts, understanding the difference between investment advisors and wealth managers, and preparing for the best six months of the year for investing. Visit PeakWM.com/GRUBER for a free social security strategy!

1 hour and 55 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, Champions Circle, Winewood Organics, Community Pest Solutions, Venue by 4M where record this, and Introducing this season: Radecki Oral Surgery, and Long Road Distillers. 1. Offense vs Purdue Starts at :57 This podcast starts out telepathically but then Brian's intrusive thoughts got telepathed so it had to stop. Dave introduces the Snack of the Week. Would you rather talk about this game or Dunkaroos? Bryce Underwood - not good in the first half. A fumble on the sideline is usually harmless unless it involves the silliest rule in football. His scrambling was good but you can't build a business in this industry by scrambling, that will get you killed against Ohio State. Too many missed passes, he doesn't really settle in. By the Georgia game, JJ was probably where Bryce is now - many mistakes but you can see the talent. On the flip side, the offensive line had a great game. Purdue loaded the box but Jordan Marshall rushed for 185 yards anyways. You can't tackle him with just one guy, he will emerge from piles. This is the fourth straight game where Sprague has been incredible. Bryson Kuzdzal had some nice runs on the game-sealing drive. Tight ends were fine, more catches by Zack Marshall. There's not a lot of separation between Marshall and Klein. Semaj had way fewer snaps, Goodwin saw more time. You have six 2nd or 3rd year players on this offensive line that can absolutely play in this conference. The future of the offensive line is bright.  2. Defense vs Purdue Starts at 41:43 How do we even feel about the defensive performance? We've seen Purdue all season be an offense that moves the ball down the field but can't score. That happened but it felt bad. Cam Brandt was too far upfield on a couple big run plays. Why are the good defensive ends not on the field for 70% of the snaps that they should be out for? Why are the starters rotating out so much throughout the game? Assuming he's healthy, do you put Jaishawn Barham at DE or LB against Ohio State? Michigan didn't commit to a position for him and it's hurting his play. Way fewer three defensive tackle sets, yay. If your name is going to be "Michael Jackson" you need to go by "Mike". Jyaire Hill got sealed a couple times but was otherwise fine. The endzone DPI was DPI. Metcalf got sucked in during the touchdown.  3. Hot Takes, Game Theory, and Special Teams Starts at 1:06:04 Takes hotter than the amount of trouble Jason would get into if he did the Hot Takes voice at a golf tournament where he was during recording. Michigan has not been good at Special Teams Things, why are they running kickoffs out of the middle of the endzone? Another punt that Semaj didn't field that gave up 20 yards. Did Jay Harbaugh have a heat map for punting? We've never had to talk so much about shield punting positioning but now we have to. Clock management at the end of the first half was pretty on-point. Purdue's 4th down decision making was aggressive which you do if you want to try to win the game. Shout out to Michigan fans for feeding energy back into the team in the 4th quarter. The students did the shirtless thing that's become a college football thing. Also shout out to Barry Odom for getting the Purdue bench fired up.  4. Around the Big Ten with Jamie Mac Starts at 1:28:22 Indiana 55, Maryland 10 This is a typical Indiana game these days. Indiana's offense is a machine. The defense is... also a machine?? Every week, Indiana has some weird defensive stat that's historical and worth tracking. Mendoza threw and interception on his first play, the game was wobbly for about a quarter.  Ohio State 38, Penn State 14 Briefly competitive in the 2nd quarter. Penn State is the first top five team in the history of college football to lose five straight games. Julian Sayin had 14 yards per attempt. Ohio State finally catches a break and gets an obvious targeting call to not get enforced.  Minnesota 23, Michigan State 20 (OT) MSU benches Aidan Chiles for Alessio Milivojevic. The Spartans lose this game despite outgaining Minnesota by about 160 yards. The final two minutes of this game are worth watching. Northwestern QB Aidan Chiles?? Alessio had a better EPA than Chiles any other game this season. USC 21, Nebraska 17 If you like offense, don't look at this game. We are suddenly having feelings about Wink Martindale. Dylan Raiola is done for the season and USC is able to grind out a win. Raiola's backup went 5/7 for 7 yards.  Illinois 35, Rutgers 13 A solid victory for Illinois, most of Rutgers' yards are when it was 35-6. Bert: "I put us as good as any 6-3 team out there. That doesn't mean anything." Bowl eligible in consecutive seasons for the first time since 2011. Illinois is the new Wisconsin.  MUSIC: "On & On"—The Marcus King Band "Husbands"—Geese "Don't Forget That I Love you"—Pale Jay “Across 110th Street”—JJ Johnson and his Orchestra 

In the new episode of the Trust the Plan Podcast, Nick Hopwood, CFP® and Jim Pilat, CFP® of Peak Wealth Management talk about their Peak Process and what new clients can expect when working with their team. They explain how the process helps determine a good fit between what Peak offers and what clients are looking for, creating clarity and confidence from the beginning. Nick and Jim also share how being true wealth managers means doing much more than just investment advising, including retirement planning, tax strategies, insurance guidance, and estate coordination. If you want a second opinion on your financial plan, visit peakwm.com. — Peak Wealth Management is a financial planning and wealth management firm in Plymouth, MI. We believe by providing education and guidance, we inspire our clients to make great decisions so they can Retire With Peace of Mind. Stay Connected With Us: Podbean: findingtruewealth.podbean.com YouTube: / @peakwealthmgmt Apple: rb.gy/1jqp6 (Trust the Plan Podcast) Facebook: Facebook.com/PeakWealthManagement Twitter: Twitter.com/nhopwood1 www.peakwm.com  

No Brian this week The Sponsors We want to thank Underground Printing for starting this and making it possible—stop by and pick up some gear, check them out at ugpmichiganapparel.com, or check out our selection of shirts on the MGoBlogStore.com. And let's not forget our associate sponsors: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklar Brothers, Winewood Organics, Community Pest Solutions, Radecki Oral Surgery, Long Road Distillers, and SignalWire where we are recording this. Featured Musician: Grand Gesture THE VIDEO: [After THE JUMP: Things discussable.]  --------------------- 1. Purdue Preview: Offense starts at the top Injured Mockobee, injured, turnover-prone starting QB in a battle with Arkansas transfer. OL gets worse from left to right. Receivers drop more than ours. Tight end was one dude who's hurt and three weirdos. They move the ball with College Crappe: screens, GT Counters, lots of RPOs, and the occasional baller play by Ryan Browne. DO NOT UNDER ANY CIRCUMSTANCES WINK. 2. Purdue Preview: Defense starts at 25:22 That secondary is rough and getting rougher. They have one good lineman, plus maybe a second in Breeon Ishmail. Linebackers came with Odom. Do the Nebraska thing where they give you lots of weird fronts, 3-3-5, 404 Tite, Mint, etc. so they confuse your reads. Going to be fits and starts, need to take advantage of the cracks without Haynes. 3. MSU After Review starts at 45:51 Defensive UFR things: Jimmy Rolder was a star for more reasons than you think. Jyaire Hill took away their main thing. Chiles looks broken, MSU OL look broken, they are down bad. 4. We Solve the Coaching Carousel starts at 1:03:29 Open and soon to be open coaching jobs, person who has to approve, person we would choose. We ship LSU, PSU, Florida, Arkansas, VT, Wisconsin, UCLA, Stanford, MSU, Oregon State, and Oklahoma State, plus Seth has one more because we stole a coach from somewhere. Featured Artist: Grand Gesture (Spotify) We featured Grand Gesture on this show back in 2017 and I rediscovered their album I downloaded (for free) from Bandcamp. Reader Ryan Dembinsky (class of 2000) is one of the guitar players in this NYC band that promises "Protean fjord jam rock." I'd actually characterize it as a great example of the more interesting stuff that came out at the end of the garage rock era (other examples: Apollo Sunshine, Starlight Mints) that I thought was better than the genre that birthed it. Ryan also used to write the Ghosts of Wayne Fontes blog back when MGoBlog was young (2006-2009) and sports blogging was a budding industry. I'm not sure they're still together—the last show on their FB page was pre-pandemic—and even then they were all musicians on the side with full-time jobs. I wonder what would have happened if they took this professional though, because they're pretty good and got some buzz in the NYC music scene around 2017. Songs: Straw in My Sock Computer Love 1,000 Yard Stare Also because Across 110th Street will get our Youtubes taken down, the opener and outro: “The Employee is Not Afraid”—Bear vs. Shark “Ruska Vodka”—Motorboat

2 hour and 30 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, Champions Circle, Winewood Organics, Community Pest Solutions, Venue by 4M where record this, and Introducing this season: Radecki Oral Surgery, and Long Road Distillers. 1. Offense vs Michigan State Starts at 1:05 They watch games in Craig's garage but to be clear it's a very nice garage. This game means different things based on if you're from Michigan or not. This game is like "Jerry Springer: the Rivalry". Michigan went back to the 2023 "we can just run the ball and get away with a win" gameplan. 'Road Bryce' seems to be a real thing. Every time they show Jonathan Smith he looks like he doesn't want to be there. Should there be an ingrained hatred of Michigan if you're going to be the head coach at Michigan State? Bryce doesn't have a good game but both backs go for over 100 yards. Bryce looked great last week, what happened? Or is this just the case of a true freshman in a road environment again? Sprague and Guarnera had great games, El-Hadi maybe not so much? The pieces for the 2026 offensive line may already be in place. Let's talk about Semaj... We're mostly out on Semaj, do you bench him now for his own good? Jordan Marshall: runs through guys and runs through guys. The Crippen high snap was unfortunate. Can anyone play fullback better than Max Bredeson?  [The rest of the writeup and the player after THE JUMP]  2. Defense vs Michigan State Starts at 59:04 We've been down on Wink but this was a good game for the defense. You can't take much on this based on the performance of the opposition. Chiles was awful in a vacuum, Michigan was not forcing his problems. Hillman had a really good game, he's been given a lot of criticism but this was a chaotically good game. Jimmy Rolder was a little bit of everywhere, he's a playmaker now. Derrick Moore is pretty good, he should start! Everything around the defensive tackle position is fine but we're used to a defense designed around great defensive tackles. Defensive backs should have as equal right to the ball as wide receivers.  3. Hot Takes, Game Theory, and Special Teams Starts at 1:26:57 Takes hotter than the bacteria and/or virus that really got up in Brian's business this week. Glue the hat and pants on, Michigan State's not getting the trophy back. Some of us don't think that guy was off-sides... or was he? The hold on Crippen is not even remotely a hold. If that's a hold then we need to talk about Jaishawn Barham. Why are we accepting a fair catch on the 20?? We are out on J.B. Brown as special teams coordinator. Hollenbeck had a nice game at least. Semaj gets run over by Goodwin?! Should they have taken a shot in the endzone before the end of the half?   4. Around the Big Ten with Jamie Mac Starts at 1:51:10 Rutgers 27, Purdue 24 The Purdue QB catches his own pass and spectacularly hands the game over to Rutgers in dramatic fashion. Rutgers gets yards, not points. Purdue wins a game they probably shouldn't have. This game kind of saved Rutgers' season, they could potentially compete with Penn State for bowl eligibility.  Nebraska 28, Northwestern 21 Northwestern outgains Nebraska and Dylan Raiola was un-inspiring. That said, Raiola was still the better QB. Northwestern always seems to find the worst QB in the portal. Nebraska seems to think they can solve their offensive line problems with the portal but they can't.  Indiana 56, UCLA 6 There was a pick-six a minute into the game and that's all she wrote. Last year Indiana was a fun story, this year THEY'RE SCARY.  Washington 42, Illinois 25 Road Washington is a thing. The worst roughing the passer call we've ever seen is in this game. Could Oregon be a play-in for a playoff spot for Washington??  Oregon 21, Wisconsin 7 Wisconsin doesn't get shut out three games in a row! All things considered, the Wisconsin defense is playing their hearts out.  Iowa 41, Minnesota 3 Iowa had 274 total yards. How do you get 41 points on 274 total yards? It's Iowa. We need a Floyd of Rosedale pose on touchdowns in this game. Playoff Iowa??? No, that's silly.  MUSIC: "Chokkan Way"—Haku "My Girlfriend Doesn't Worry"—Jeffrey Lewis "Nausea"—Jeff Rosenstock “Across 110th Street”—JJ Johnson and his Orchestra   

On the Trust the Plan Podcast, Nick Hopwood, CFP® and Jim Pilat, CFP® of Peak Wealth talk about how many people get financial advice from family, friends, or co-workers who are simply trying to share what they have learned. They point out that this advice often comes from personal experiences and may not apply to your own financial situation. As Certified Financial Planners (CFPs), Nick and Jim stress that what works for someone else might not be right for you. A successful financial plan should be designed around your specific goals, interests, and circumstances so it truly fits your life. — Peak Wealth Management is a financial planning and wealth management firm in Plymouth, MI. We believe by providing education and guidance, we inspire our clients to make great decisions so they can Retire With Peace of Mind. Stay Connected With Us: Podbean: findingtruewealth.podbean.com YouTube: / @peakwealthmgmt Apple: rb.gy/1jqp6 (Trust the Plan Podcast) Facebook: Facebook.com/PeakWealthManagement Twitter: Twitter.com/nhopwood1 www.peakwm.com  

The Sponsors We want to thank Underground Printing for starting this and making it possible—stop by and pick up some gear, check them out at ugpmichiganapparel.com, or check out our selection of shirts on the MGoBlogStore.com. And let's not forget our associate sponsors: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklar Brothers, Winewood Organics, Community Pest Solutions, Radecki Oral Surgery, Long Road Distillers, and SignalWire where we are recording this. Featured Musician: Chirp THE VIDEO: [After THE JUMP: Things discussable.]  --------------------- 1. MSU Preview: Offense starts at the top. What have they done to Aidan Chiles? He's dinky this year, and not very accurate as a dinker either. Be careful of his rushes. MSU fans are turning on their coaches already. Offensive line is a shambles of injury. Nick Marsh, enter the dang portal already friend. They're not even throwing to him deep. Sandbagging for this game? Please don't Wink out—they've been running a million screens. 2. MSU Preview: Defense starts at 20:26 Let Bryce cook, we say! A lot of cyans as yards are coming easily. They run both types of switch coverages—weird to see Dantonio's low safeties and press corners against a passing spread (it didn't work). Best thing to do is repeat last week's approach. 3. Washington After Review starts at 43:48 Waiting for Brian to tell us about Bryce and Frazier, but they looked pretty good. Drops were an issue, are an issue. Seth proposes a prospectin' name for Jordan Marshall. Defensively Washington contributed a lot to our scores, but credit Wink or the people who yelled at him for going back to the 2024 Ohio State gameplan. Long discussion on the rotations, especially at DL—Cam Brandt isn't Derrick Moore or a young Derrick Moore and it's unfair to be playing him as such. Also Jordan Young at the end of the 2nd half when you've got a 7-point lead. 3. Hoops and Hockey Check-In starts at 1:15:54 Hockey is undefeated after their best game in years vs WMU, game 2 is tonight and will be intense. Hoops has their 2nd exhibition, hopefully with a frontcourt this time, and this one has all the makings of an elite matchup. Featured Artist: Chirp Chirp is a four-piece band that hops around genres. I don't they've opened for Vulfpeck but they're part of that same progressive rock/funk and jazz-fusion scene. Formed in 2015, Jay Frydenlund, Brian Long, Sam Naples, and Patrick Blommel have been playing concerts and festivals all around the region. I saw them with Joe Hertler (featured here before), and got a notification in my email this week that they'll be at the Pig at the end of November (11/28), so I figured it's a good time to bring them up. I have them on my work playlist, mostly for their covers, but the songs featured are all off their 2022 album. Songs: "By the Book" (video) "Little Friend" "Fast Food Blues"       Also because Across 110th Street will get our Youtubes taken down, the opener and outro: “The Employee is Not Afraid”—Bear vs. Shark “Ruska Vodka”—Motorboat

On the Trust the Plan Podcast, Nick Hopwood, CFP® and Jim Pilat, CFP® of Peak Wealth discuss the importance of asset allocation and asset location when building a strong retirement strategy. They emphasize that younger investors can typically afford to be more aggressive with their investment mix, leaning more heavily into equities to take advantage of long-term growth potential, while also being mindful of where those assets are held, whether in taxable, tax-deferred, or tax-free accounts. By aligning investment aggressiveness with one's time horizon and future goals, they explain, individuals can better position themselves for financial independence and a smoother transition into retirement. — Peak Wealth Management is a financial planning and wealth management firm in Plymouth, MI. We believe by providing education and guidance, we inspire our clients to make great decisions so they can Retire With Peace of Mind. Stay Connected With Us: Podbean: findingtruewealth.podbean.com YouTube: / @peakwealthmgmt Apple: rb.gy/1jqp6 (Trust the Plan Podcast) Facebook: Facebook.com/PeakWealthManagement Twitter: Twitter.com/nhopwood1 www.peakwm.com  

On this feel-good edition of the Trust the Plan Podcast, Nick Hopwood, CFP®, and Jim Pilat, CFP®, of Peak Wealth started with some positive market news. The S&P 500 is up double digits year to date, which has happened about 30 times since 1950 and is usually a good sign for the rest of the year. They encouraged listeners to focus on data like this rather than emotions, especially with distractions such as potential government shutdowns. The main topic of the episode was beneficiary IRAs and the strategy they recommend when taking withdrawals. They also discussed the investment risks involved and how proper planning can help manage them effectively. — Peak Wealth Management is a financial planning and wealth management firm in Plymouth, MI. We believe by providing education and guidance, we inspire our clients to make great decisions so they can Retire With Peace of Mind. Stay Connected With Us: Podbean: findingtruewealth.podbean.com YouTube: / @peakwealthmgmt Apple: rb.gy/1jqp6 (Trust the Plan Podcast) Facebook: Facebook.com/PeakWealthManagement Twitter: Twitter.com/nhopwood1 www.peakwm.com  

On this episode of Trust the Plan Podcast with Nick Hopwood, CFP® and Preston Gee, CFP® of Peak Wealth, the focus was on the rising availability of private investments within 401(k) plans. They discussed how options like private equity and private credit, while traditionally reserved for institutional investors, are slowly being introduced into retirement accounts through specialized structures. Although access is still limited and not open to all participants, regulatory changes and industry innovation are beginning to pave the way. Nick and Preston emphasized that while these investments can offer diversification and long-term growth potential, they come with added complexity and are best suited for well-informed investors with a long time horizon. — Peak Wealth Management is a financial planning and wealth management firm in Plymouth, MI. We believe by providing education and guidance, we inspire our clients to make great decisions so they can Retire With Peace of Mind. Stay Connected With Us: Podbean: findingtruewealth.podbean.com YouTube: / @peakwealthmgmt Apple: rb.gy/1jqp6 (Trust the Plan Podcast) Facebook: Facebook.com/PeakWealthManagement Twitter: Twitter.com/nhopwood1 www.peakwm.com

On the Trust the Plan Podcast, Nick Hopwood, CFP®, and Preston Gee, CFP® of Peak Wealth dive into insights from the J.P. Morgan Guide to Retirement, offering practical ideas and concepts around getting started with saving, preparing for, and living in retirement. They emphasize the importance of evaluating Roth contributions at various life stages, noting that younger investors often benefit most from Roth accounts due to lower current tax brackets, while those in peak earning years may need to weigh traditional vs. Roth options carefully. The discussion encourages listeners to think strategically about retirement planning early on, adapting their approach as financial circumstances evolve. — Peak Wealth Management is a financial planning and wealth management firm in Plymouth, MI. We believe by providing education and guidance, we inspire our clients to make great decisions so they can Retire With Peace of Mind. Stay Connected With Us: Podbean: findingtruewealth.podbean.com YouTube: / @peakwealthmgmt Apple: rb.gy/1jqp6 (Trust the Plan Podcast) Facebook: Facebook.com/PeakWealthManagement Twitter: Twitter.com/nhopwood1 www.peakwm.com

Nick Hopwood, CFP® and Jim Pilat, CFP® kick things off with some excitement as Michigan Football is back and the season is finally underway. There's plenty to be hopeful for on the field, and even more to look forward to in today's feel-good edition of the Trust the Plan Podcast. We're turning our attention to an important topic: scam calls and suspicious emails. Nick shares a personal story about recently getting hacked, reminding us all how easy it is to fall victim and how important it is to stay vigilant. We've seen a rise in scammers pretending to be Charles Schwab representatives, calling clients to try and gather personal information. If you ever receive a call like this, don't engage. Hang up and give us a call directly. We're here to help. — Peak Wealth Management is a financial planning and wealth management firm in Plymouth, MI. We believe by providing education and guidance, we inspire our clients to make great decisions so they can Retire With Peace of Mind. Stay Connected With Us: Podbean: findingtruewealth.podbean.com YouTube: / @peakwealthmgmt Apple: rb.gy/1jqp6 (Trust the Plan Podcast) Facebook: Facebook.com/PeakWealthManagement Twitter: Twitter.com/nhopwood1 www.peakwm.com

On today's episode of the Trust the Plan Podcast, Nick Hopwood, CFP® and Jim Pilat, CFP® of Peak Wealth discuss recent market data with a focus on international stocks. After years of underperformance, many investors began to ignore this area completely, often with no exposure at all. So far in 2025, international equities have emerged as a leader, and Nick and Jim explain why they are feeling bullish. They share a chart showing the renewed strength in foreign markets and talk about the Fed's August meeting in Jackson Hole, where potential rate cuts were mentioned, which could be a positive for international stocks. As always, this podcast is for educational purposes only and is not a recommendation. — Peak Wealth Management is a financial planning and wealth management firm in Plymouth, MI. We believe by providing education and guidance, we inspire our clients to make great decisions so they can Retire With Peace of Mind. Stay Connected With Us: Podbean: findingtruewealth.podbean.com YouTube: / @peakwealthmgmt Apple: rb.gy/1jqp6 (Trust the Plan Podcast) Facebook: Facebook.com/PeakWealthManagement Twitter: Twitter.com/nhopwood1 www.peakwm.com  

On the Trust the Plan Podcast, Nick Hopwood, CFP® and Jim Pilat, CFP® explore the concept of "What's your number?" This refers to the specific amount of money you need to feel comfortable retiring. They explain how identifying this number brings clarity to your financial planning and helps you focus on what truly matters to achieve your goals. It's about understanding what you need to live the life you want and being able to enjoy it guilt-free once you've reached that point. Nick and Jim outline practical steps to reach your number, including intentional saving, investing, and aligning your plan with your values and vision for retirement. — Peak Wealth Management is a financial planning and wealth management firm in Plymouth, MI. We believe by providing education and guidance, we inspire our clients to make great decisions so they can Retire With Peace of Mind. Stay Connected With Us: Podbean: findingtruewealth.podbean.com YouTube: / @peakwealthmgmt Apple: rb.gy/1jqp6 (Trust the Plan Podcast) Facebook: Facebook.com/PeakWealthManagement Twitter: Twitter.com/nhopwood1 www.peakwm.com  

On a new episode of the Trust the Plan Podcast, Nick Hopwood, CFP® and Jim Pilat, CFP® of Peak Wealth share insights on the RIA business model and why it continues to attract both advisors and clients. They highlight how the number of RIA firms has doubled in the last 20 years, reflecting major shifts in how people want to work with financial professionals. With a focus on trust, transparency, and real relationships, they explore what makes the independent model so appealing today. — Peak Wealth Management is a financial planning and wealth management firm in Plymouth, MI. We believe by providing education and guidance, we inspire our clients to make great decisions so they can Retire With Peace of Mind. Stay Connected With Us: Podbean: findingtruewealth.podbean.com YouTube: / @peakwealthmgmt Apple: rb.gy/1jqp6 (Trust the Plan Podcast) Facebook: Facebook.com/PeakWealthManagement Twitter: Twitter.com/nhopwood1 www.peakwm.com  

On the Trust the Plan Podcast from Peak Wealth, Nick Hopwood, CFP® and Jim Pilat, CFP® open the episode with a conversation about Michigan football before shifting into a discussion on a recent Wall Street Journal article about changes to tax laws. They explore how certain households, such as married couples with children or retirees, can end up in a zero percent federal tax situation through careful planning. The discussion covers strategies like managing income sources, using deductions, and timing withdrawals to take full advantage of the current tax code. — Peak Wealth Management is a financial planning and wealth management firm in Plymouth, MI. We believe by providing education and guidance, we inspire our clients to make great decisions so they can Retire With Peace of Mind. Stay Connected With Us: Podbean: findingtruewealth.podbean.com YouTube: / @peakwealthmgmt Apple: rb.gy/1jqp6 (Trust the Plan Podcast) Facebook: Facebook.com/PeakWealthManagement Twitter: Twitter.com/nhopwood1 www.peakwm.com  

2 hour and 10 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, Champions Circle, Winewood Organics, Community Pest Solutions, Venue by 4M where record this, and Introducing this season: Radecki Oral Surgery, and Long Road Distillers. 1. Offense vs Washington Starts at 1:05 Pay no attention to the background noise from the drag show at Venue. This game was vanilla and we like that. Bryce Underwood had a fabulous day despite losing about 50 yards from drops. There seems to be a big difference between Road Bryce and Home Bryce. Michigan didn't take many deep shots because the short stuff was working great and Washington has tall corners. The remaining road games shouldn't be nearly as threatening as the previous three. The game is over but they have a designed run for Bryce? Jordan Marshall isn't Justice Haynes but he gets a lot of yards after contact. He's still working on re-gapping but overall an excellent first start for him. Jasper Parker looked fine. Under Harbaugh not much changed between offensive coordinators, but with Chip Lindsey a lot has changed already. He was dealing in the first touchdown drive. When's the last time we came out of a game thinking "oh wow they nuked the defensive coordinator?" How do we feel about going for it on 4th down and passing it to Mr. Dropsies? Running it up the middle is probably a 70% conversion, throwing it to Semaj is also a 70% conversion but for different reasons. Evan Link looks to be done for the year. Bryce's first scramble was Frazier getting knocked backwards, he seems fine but doesn't quite have the oomf that Evan Link does. Zack Marshall had a great game, what happened to the starting tight ends? Overall the offensive line was fine.  2. Defense vs Washington Starts at 34:40 The defense only gave up seven points but everyone is still a little mad. Michigan runs a pretty vanilla defense and it works nicely because college quarterbacks are going to make mistakes. Oden did intercept the ball but uhh... it was not because of his performance. Washington shot themselves in the foot but also Jaishawn Barham was much more responsible. Wink is not forgiven but it was nice that this game plan was simplified and it was fine. A lot of defensive tackle rotation but not everybody is a play maker. Is Lou Esposito the one rotating the tackles so much? Maybe part of the chaos on defense is you don't get used to playing next to the same guy every snap. This will not be a -33 RPS day. Jyaire Hill is not getting targeted very much.  3. Hot Takes, Game Theory, and Special Teams Starts at 58:19 Takes hotter than the bangin' drag show going on during the recording of this podcast. Brian apologizes once again for changing "AHHH YOU PUT IT THROUGH THE UPRIGHTS" and disrupting the cosmic balance. Zvada misses another field goal but gets the game sealer. Punting was a 35 yarder and then a rocket. No major complains about Semaj on punt returns except that he hit the spin button at the wrong time. The 4th and 1 drop to Semaj was unfortunate. What about the 4th and 2 on the 6? The whistle blew too early. Max Bredeson's holding call is the worst holding call since that Northwestern holding call. Stadium vibe: some people could actually use their phones! It should not take nine minutes to get a $9 coke, the athletic department doesn't pay close attention to the small things. Apparently concession people at Yost don't get paid but the athletic department can finally install cell phone towers at Michigan Stadium after 11 years under Warde.  4. Around the Big Ten with Jamie Mac Starts at 1:26:57 Iowa 25, Penn State 24 The nicest thing you can say about Penn State is that a lot of big programs are in collapse. Drew Allar's career is over, Ethan Grunkemeyer throws for 93 yards and throws two interceptions. Iowa threw for 68 yards but ran for 245 yards, Iowa should just run the triple option!  UCLA 20, Maryland 17 You gotta respect Maryland's commitment to one Army drive and then not doing a thing after. UCLA looked like the better team all game. This was a Big Ten [wild wild] West game. This is Maryland's third straight heartbreaking loss, they can't finish games with a freshman QB. There's still a path to a bowl.  Indiana 38, Michigan State 13 Shout out to everyone who listened to this on Spartan Radio. Indiana's offense was extremely efficient. Fernando Mendoza was 24/28 for 332 yards and four touchdowns. Indiana football fans were mad that they weren't winning by more. Did Indiana give up enough passing yards to be concerned with playoff implications for the Hoosiers? Northwestern 19, Purdue 0 Northwestern gets one 76 yard scoring drive and that's about all the scoring in this game. Don't let the score fool you into thinking that Northwestern has figured something out.  Notre Dame 34, USC 24 USC takes a 3rd quarter lead followed by Notre Dame getting a kickoff return. Then USC just falls apart in the 4th quarter. This was frustrating to watch as a Michigan fan.  Ohio State 34, Wisconsin 0 134 total yards for Wisconsin and that's generous. Oh god they play Oregon next weekend. Minnesota 24, Nebraska  Dylan Raiola is sacked nine times, that's too many times. Nebraska had just entered the top 25 and has now exited the top 25. A left tackle was ejected for targeting! Shout out to Minnesota fans for really filling the stadium on a Friday night.  Oregon 56, Rutgers 10 14 different Oregon players went for at least 10 yards on a play. Oregon was very upset about their Indiana game. Somehow there wasn't a rutger. Oregon had 233 breakaway yards, Rutgers had 202 total yards.  MUSIC: "Brand New Second Hand"—Peter Tosh "It's Not Easy"—Ofege "Plain as Your Eyes Can See"—Jim Sullivan “Across 110th Street”—JJ Johnson and his Orchestra   

The Sponsors We want to thank Underground Printing for starting this and making it possible—stop by and pick up some gear, check them out at ugpmichiganapparel.com, or check out our selection of shirts on the MGoBlogStore.com. And let's not forget our associate sponsors: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklar Brothers, Winewood Organics, Community Pest Solutions, Radecki Oral Surgery, Long Road Distillers, and SignalWire where we are recording this. Featured Musician: Rawhide THE VIDEO: [After THE JUMP: Things discussable.]  --------------------- 1. Washington Preview: Offense starts at noon, we hope Massive respect for their skill positions, not so much their offensive line, which means this game will mostly be a test of whether Wink learned anything from last week, or cares to now that he's put his football career on life support. 2. Washington Preview: Defense starts around 12:15 PM Not the offense. D'Anton Lynn is on the Ravens tree but he's not having the same success, mostly because they can't seem to get the defensive line up to size. Devan Thompkins is 290, Jide Abasiri is 295. Edges were highly ranked (Anthony Lucas was a pre-Elston Michigan target) but sophomore Kameryn Crawford isn't panning out like a top-100 is supposed to. They added Portal #25 Keeshawn Silver from Kentucky and a 5-star freshman, but they haven't changed that math, and are getting pushed around. We do still like Kamari Ramsey, who came with Lynn from UCLA and has been playing nickel this year. Cornerbacks are tall. 3. Hoops and Hockey Check-In starts around 12:30 PM Hockey is off to a hot start after a two-game road sweep of Providence, though having to come back against Robert Morris last night put the first little damper on it. Basketball starts tonight with an exhibition against Cincinnati at Crisler that will be our first look at the transfers. Question #1 is how physical will they be up front, because Cincy has a brawler. Will they try three bigs? 4. USC After Review starts around 1:00 PM I had three RPS-3s, two for screens and one for the Power after the 3rd & 26 and TD, which were both Power, when Wink ran an exotic that had no chance against Power. If they can cut out half of their shit and get their best players (read: seniors like TJ Guy) on the field, they should be able to get righted. Offensively it was a better performance than 13 points. There weren't that many drives, and Bryce struggled. His passes might be flat because he's getting sped up (Gardner has been in that position). Marshall missed two big cuts that Haynes makes. OL was okay; El-Hadi's return wasn't great, there were some mistakes from Guarnera, but USC's defense didn't ask Sprague to do too much and he did well, and Link had MAs but wasn't straight-up beat. Brian doesn't blame Bryce for the interception—once the WR wins inside he's going to win the route—but the throw to Marsh could have put him in the endzone if Bryce is feeling confident in his throw. Maybe give him some max pro to Featured Artist: Rawhide (formerly Girl Fight) Last May someone was carrying a tom into Ziggy's with a bumper sticker that read if "If you don't like Motörhead Fuck you" with American and British flags on it. My one friend snapped a photo and sent it to our group for commentary from the guy who founded (and sold) an MGoBlog-sized site about metal music. This thread of college roommates/bandmates/best friends is like 10% Michigan sports, 20% Xennial parent shit, and 70% music shit, meaning music prompts can result in 42-message threads that the college football guy in the middle of writing a college football preview magazine might not get to until he's trying to clear unread notifications many months later. This is how I found I had missed the group discovering a new genre/EP called Michigan Fuzz Punk by Rawhide, a two-piece (Ellen Cope and Jacob Bloom) Michigan band formerly known as Girl Fight. What I know about them comes from this column. The EP is pay what you may ($13.10 is fair). Anyway this is me talking about Michigan Fuzz Punk, which is both an excellent description of the genre and the EP's title. I am a total tourist in this genre so I'll refrain from talking about it like I know shit about shit, except I'm super intrigued to see what this is actually like live since the recordings only hint at it. I'll say the song Reach Me kicks and it's hilarious that "Greta is a Punk" and "Paige's Song" are the same song. Songs: "Stone Cold" "Reach Me" "Clocked In"        Also because Across 110th Street will get our Youtubes taken down, the opener and outro: “The Employee is Not Afraid”—Bear vs. Shark “Ruska Vodka”—Motorboat

Nick Hopwood, President and Founder of Peak Wealth Management, breaks down the complexities of inherited IRAs and smart wealth strategies. They compare the current 3-year-old bull market with historic trends, the difference between investment advisors and wealth managers, crypto flash crashes and leverage risks, gift tax rules, and balancing 401(k) contributions with after-tax accounts for retirement planning. Go to peakwm.com/gruber for a LIMITED TIME free Beneficiary IRA Analysis

2 hour and 21 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, Champions Circle, Winewood Organics, Community Pest Solutions, Venue by 4M where record this, and Introducing this season: Radecki Oral Surgery, and Long Road Distillers. 1. Defense vs USC Starts at 1:00 Seth reads off an ominous message from Brian from earlier last week. USC's success rate was typical of a good offense against a MAC team. This was the dumbest game plan we've ever seen a Michigan defensive coordinator execute. Wink Martindale coaches like he looks down on college and Brian is officially done with him. Is Wink just Charlie Weis?? What happened between The Meeting from last year and this year? Mike McDonald made a lot of the same mistakes in his first four games but he was able to adjust to what was around him, Wink can't change. Would things be better if they fired Wink Martindale and just made Rod Moore the defensive coordinator? His answer to the question "are you spilling or setting the edge" was "it depends on the playcall" which raises a red flag. How much actual player development is being done? They're playing their subs in the first quarter, Brandt had more snaps than Derrick Moore. USC was running a lot of really easy stuff but they may legitimately be one of the best offenses in the country. Why are they subbing so much against such a good offense? His buyout is head coach money to be one of the worst defensive coordinators in the Big Ten. It's not just younger guys making mistakes, it's older guys, too. At some point you gotta think "maybe this is a tunnel screen?" USC had a 66% standard downs success rate.  [The rest of the writeup and the player after THE JUMP]  2. Offense vs USC Starts at 40:07 There was a limited number of drives in part because USC ran the clock a lot. Bryce Underwood just wasn't quite up for it in this one. His deep passes were too flat but he had some good moments too. Denard talked about how in big games we was so amped that he couldn't hit his targets, maybe Bryce is still a little nervous in big games. USC's nickel is nicknamed "the angry giraffe" because he's so tall. Andrew Marsh is getting better rapidly and is becoming the next best option #2, maybe that's why the tight ends got fewer targets. The pieces of a solid offense are there, they're still developing. The tackles weren't getting whipped consistently. Despite the issues, Bryce is developing as expected for a freshman, he has a lot of added pressure when the defense can't stop the opposing offense. Based on limited snaps of Jadyn Davis, maybe you can't run Bryce as much to risk injury. El-Hadi was back and looked fine.  3. Hot Takes, Game Theory, and Special Teams Starts at 1:04:56 Takes hotter than the eternal flame in the Los Angeles Coliseum (which does get put out at the conclusion of the game). The game might've been going a bit fast which caused the false starts. The OPI was a bad call. Michigan drew a holding call!! A lot of extracurriculars went uncalled. Hollenbeck's punting started promising but eventually resulted in a 28 yarder. Do you punt or try for a 60 yard field goal? That two point conversion is apparently the thing you do now? The USC cheerleaders were on the field when Michigan was running a play!  4. Around the Big Ten with Jamie Mac Starts at 128:41 NOTE: This was recorded just before James Franklin was fired. Indiana 30, Oregon 20 This was a defensive masterclass from Indiana. This is how 2023 Michigan would've beaten Oregon. How the hell does Indiana have one of the best defenses in America?? This was really the first game all year where Dante Moore was under pressure and didn't seem to know what to do. Indiana has signs of... a championship winning team?! Penn State 21, Northwestern 22 Drew Allar is out for the season. This wasn't a fluke, Northwestern just outperformed Penn State. Linebacker U has completely fallen apart and Jim Knowles doesn't seem to know how to be aggressive with this roster. Will... Penn State win a Big Ten game?? James Franklin was fired immediately after this recording so there's still speculation on what to do with this situation. The situation at Penn State just seems toxic all around.  UCLA 38, Michigan State 13 Michigan State scores on their first drive and then that's all, folks. October UCLA is the opposite of October Maryland. Michigan State can't move on from John Smith for stability reasons... can they? What do the Spartans do well? What Big Ten teams would swap their QB with Aidan Chiles? Nebraska 34, Maryland 31 Nebraska had control of this game down-to-down but Dylan Raiola threw three interceptions. October Maryland can't get out of their way again. Raiola isn't quite there yet but has a shot at it next year.  Ohio State 34, Illinois 16 Ohio State was never really threatened. Illinois outgains Ohio State 295 to 275 but three of Ohio State's first four drives started in Illinois territory.  Iowa 37, Wisconsin 0 Sim to basketball season. This wasn't even an Iowa offensive explosion, Wisconsin threw two interceptions and lost a fumble. You can't fire Fickell but you also can't afford not to? Washington 38, Rutgers 19 A fun first half but Washington blows the doors open in the second half. Total yards were 590 to 493. Rutgers is 0-3 in the Big Ten but had a halftime lead in each of those games.  Purdue 20, Minnesota 27 Minnesota is outrushed 253 to 30 rushing yards but Purdue throws three interceptions and loses a fumble. If you rewatch this game, we will have to call 911. MUSIC: "Au Pays do Cocaine"—Geese "See You Again"—Tyler the Creator "Havin' or Not"—LaRussell and Lil Jon “Across 110th Street”—JJ Johnson and his Orchestra   

On a new episode of the Trust the Plan Podcast, Nick Hopwood, CFP® and Jim Pilat, CFP® of Peak Wealth share insights on the RIA business model and why it continues to attract both advisors and clients. They highlight how the number of RIA firms has doubled in the last 20 years, reflecting major shifts in how people want to work with financial professionals. With a focus on trust, transparency, and real relationships, they explore what makes the independent model so appealing today. — Peak Wealth Management is a financial planning and wealth management firm in Plymouth, MI. We believe by providing education and guidance, we inspire our clients to make great decisions so they can Retire With Peace of Mind. Stay Connected With Us: Podbean: findingtruewealth.podbean.com YouTube: / @peakwealthmgmt Apple: rb.gy/1jqp6 (Trust the Plan Podcast) Facebook: Facebook.com/PeakWealthManagement Twitter: Twitter.com/nhopwood1 www.peakwm.com  

The Sponsors We want to thank Underground Printing for starting this and making it possible—stop by and pick up some gear, check them out at ugpmichiganapparel.com, or check out our selection of shirts on the MGoBlogStore.com. And let's not forget our associate sponsors: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklar Brothers, Winewood Organics, Community Pest Solutions, Radecki Oral Surgery, Long Road Distillers, and SignalWire where we are recording this. Featured Musician: Syd Burnham THE VIDEO: [After THE JUMP: Things discussable.]  --------------------- 1. USC Preview: Offense starts at the top Maiva is getting 12 YPA vs blitzes, so maybe don't Wink so much in this game. They're using a lot more 12 personnel and splitbacks this year as well so it's not just your standard Lincoln Riley spread. It's still Lincoln Riley though, and it's been murder on a mostly bad offense. A big reason is the All-American slot/flanker Makai Lemon. There aren't as many outside guys as last year but they kept their two favorites; Ja'Kobi Lane is back and huge, but freshman Tanook Hines is getting most of the snaps at the other side. You do have to be wary of tight end Lake McRee and JUCO RB Waymond Jordan. OL might be better than they were against Illinois, when they had some significant injuries; we expect LT Elijah Paige to be back but not center Killian O'Connor, so they'll have to play 7th year senior J'Onre Reed. 2. USC Preview: Defense starts at 19:15 Not the offense. D'Anton Lynn is on the Ravens tree but he's not having the same success, mostly because they can't seem to get the defensive line up to size. Devan Thompkins is 290, Jide Abasiri is 295. Edges were highly ranked (Anthony Lucas was a pre-Elston Michigan target) but sophomore Kameryn Crawford isn't panning out like a top-100 is supposed to. They added Portal #25 Keeshawn Silver from Kentucky and a 5-star freshman, but they haven't changed that math, and are getting pushed around. We do still like Kamari Ramsey, who came with Lynn from UCLA and has been playing nickel this year. Cornerbacks are tall. 3. Wisconsin After Review starts at 36:56 Underwood is coming along, the RBs are elite, and Andrew Marsh is happening. Still have McCulley the #1 with a bullet, and it's nice to see they're giving him leapy chances now. Not sure where PFF (and Sam apparently) are getting the bad pass protection grades for the tackles, because we thought they were fine. The young OL have mistakes but they fix them, and they all have the talent. Fire blitzes were the order of the day. Weird seeing this defense spill but that's what they do sometimes I guess. Rod Moore's return was a bigger deal than you think. Seth's not as mad at Wink as you think.  4. Around the Big Ten starts at 52:45 There are some pretty big games this weekend (and that's more interesting than hockey vs Mercyhurst) so we previewed each of them. Indiana at Oregon: "…is a top-ten matchup" means Okay grandpa let's get you back to a home. Oregon by 7. If IU's OL is legit they can win and if they can beat Oregon there's no ceiling on this team. I can't believe in Indiana! Ohio State at Illinois: They'll lean. UCLA at Michigan State: What's funnier: MSU losing at home to UCLA or UCLA immediately losing by like 60 after beating Penn State? MSU fans are already saying Jonathan Smith doesn't have That Dawg in him. He seems like a normal human being, not an angry little dwarf. Nebraska at Maryland: Interesting game with what happened with Maryland last week. They are throwing many screens. Rutgers at Washington: Expect a high-scoring game. Would like this game on the opposite coast but Rutgers's offense is hit or miss and three time zones suggests miss. Northwestern at Penn State: PSU fans are already salty after the Eagles and Gavin McKenna/PSU hockey just lost to Clarkston. If you have one punt there could be a riot; OTOH Penn State fans respect Northwestern's big win over a tough UCLA team. Iowa at Wisconsin: euugh. Special teams malfeasance by Wisconsin will ruin them. Purdue at Minnesota: Vaguely watchable? Featured Artist: Marcus: Syd Burnham Okay reader who keeps asking: this is when I'll do Syd Burnham (now Osten; she got married this summer, but kept the performing name). Syd is an indie rock musician and graphic designer from Detroit who mixes a bunch of genres (jazz, singer-songwriter, etc.) to come up with a unique sound. She made an impact with her debut EP "The Yellow Album," at the age of 16, followed by her album "Timeline" at 19. She has since released hit singles like "Summertime," "4 A Grl," "Milky," and "By Then" but her live performances are what carved out a dedicated audience in the Detroit music scene. Syd goes up there with just a guitar and her voice but has a magnetic stage presence who incorporates her modern art into the music, and incorporates local themes into the artwork. Links: IG, YT, FB, Spotify. Songs: "A GRL" "Best Friend" "By Then"        Also because Across 110th Street will get our Youtubes taken down, the opener and outro: “The Employee is Not Afraid”—Bear vs. Shark “Ruska Vodka”—Motorboat

On the Trust the Plan Podcast from Peak Wealth, Nick Hopwood, CFP® and Jim Pilat, CFP® open the episode with a conversation about Michigan football before shifting into a discussion on a recent Wall Street Journal article about changes to tax laws. They explore how certain households, such as married couples with children or retirees, can end up in a zero percent federal tax situation through careful planning. The discussion covers strategies like managing income sources, using deductions, and timing withdrawals to take full advantage of the current tax code. — Peak Wealth Management is a financial planning and wealth management firm in Plymouth, MI. We believe by providing education and guidance, we inspire our clients to make great decisions so they can Retire With Peace of Mind. Stay Connected With Us: Podbean: findingtruewealth.podbean.com YouTube: / @peakwealthmgmt Apple: rb.gy/1jqp6 (Trust the Plan Podcast) Facebook: Facebook.com/PeakWealthManagement Twitter: Twitter.com/nhopwood1 www.peakwm.com  

2 hour and 18 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, Champions Circle, Winewood Organics, Community Pest Solutions, Venue by 4M where record this, and Introducing this season: Radecki Oral Surgery, and Long Road Distillers. 1. Offense vs Wisconsin Starts at 1:00 Are Michigan fans turning beet red or was it just hot? This game looks better on rewatch and followed the preview fairly closely. Bryce Underwood took a leap forward in this game, he has the occasional accuracy issue and isn't testing the middle of the field, but he's starting to hit guys downfield. Andrew Marsh and Donaven McCulley also took a huge lea. This is encouraging considering Goodwin was barely targeted, Semaj has been having catching issues, and Frederick Moore is off the team. You can rotate most positions but not the wide receivers. Russel Bellamy has been getting unfairly judged for the receivers. Wisconsin has a very good rush defense and Michigan put up pretty good numbers. Underwood needs to get the ball out a little quicker. Sprague will grade out negatively but he generally does it well when he knows the right assignment. The offensive line is young, they need some time to get better. Lindsey plays off the screen game really well. Has Michigan gotten a holding call all year on defense? [The rest of the writeup and the player after THE JUMP]  2. Defense vs Wisconsin Starts at 39:33 10 points from the opposition but three came from a sad field goal. They barely got to 200 yards of offense until "kill the clock mode". Rod Moore being back instantly makes this defense much better. Don't rotate him and just keep him on the field all game? Zeke Berry is back from injury, he missed a tackle but was otherwise fine. This defense seems like they miss a lot of tackles but we're comparing it to the best defense in recent school history. Jimmy Rolder was in his element, one time he almost picked up a fullback and threw him. Michigan goes cover zero in a situation that makes no sense. Everyone in the stands keeps turning towards Seth when this happens. Brandyn Hillman is reckless which is helpful sometimes, sometimes it hurts you. Please don't be weird against USC. 3. Hot Takes, Game Theory, and Special Teams Starts at 1:05:20 Takes hotter than Michigan Stadium this Saturday. Michigan missed a 27 yard field goal, was it the hold? They did (just barely) block a punt and almost blocked a second one. Hollenbeck was blasting them in this game. What is up with Semaj's punt returns? Is he being told not to take any chances? Should you run a QB sneak on 4th and inches near your own red zone? Luke Fickell is Brady Hoke. They weren't trying to win the game in the 4th quarter, you can't have a six minute field goal drive in this situation. Seth is about to start charting an umpire's spatial awareness. 4. Around the Big Ten with Jamie Mac Starts at 1:34:02 UCLA 42, Penn State 37 UCLA has been awful all season but they looked like the #7 team in the country in Pasadena. James Franklin partially blamed the travel. Coming into this weekend, UCLA never led in any of their four games. In this game they never trailed. Tim Skipper has as many wins over top 10 teams as James Franklin. Penn State was a playoff team but now they have to beat Ohio State to have a chance, Was this the biggest Big Ten upset ever?  Nebraska 38, Michigan State 27 In most weeks this would be the funniest game of the week. Michigan State ran for 2.3 YPC and Chiles threw two interception into Nebraska chests. Their backup looked pretty good so is there a QB controversy?  Washington 24, Maryland 20 Maryland took a 20-0 lead but road Washington dominated October Maryland. Washington is still without their best defensive end, linebacker, and defensive back. Mike Locksley is 0-10 coming out of bye weeks.  Illinois 43, Purdue 27 The Purdue offense is actually functional. Each QB threw for over 300 yards.  Northwestern 42, ULM 7 One day we'll have something to say about Northwestern, but not today. Ohio State 42, Minnesota 3 They let Julian Sayin cook. MUSIC: "Cobra"—Geese "God's Country"—Thomas Dollbaum "How To Kill Houseplants"—Spacey Jane “Across 110th Street”—JJ Johnson and his Orchestra   

The Sponsors We want to thank Underground Printing for starting this and making it possible—stop by and pick up some gear, check them out at ugpmichiganapparel.com, or check out our selection of shirts on the MGoBlogStore.com. And let's not forget our associate sponsors: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklar Brothers, Winewood Organics, Community Pest Solutions, Radecki Oral Surgery, Long Road Distillers, and SignalWire where we are recording this. Featured Musician: Marcus: The Apex Predator THE VIDEO: [After THE JUMP: Things discussable.]  --------------------- 1. Wisconsin Preview: Offense starts around noon. Hiring Phil Longo was one of those WTF decisions that destroyed what remained of Wisconsin's identity. Without one they're just a Big Ten team, even if they did hire Jeff Grives to run the old Wisconsin offense. Billy Edwards is hurt—one drive against Maryland showed he couldn't go—so they're playing Danny O'Neil, the SDSU transfer who's basically Nick Sheridan. OL is a mess, with Riley Mahlman coming in under expectations, Ryan Cory hurt, and RS freshmen starting at three positions. Not impressed with their skill position players either. Need to get pressure with four—blitzing them just allows them to dink it. 2. Wisconsin Preview: Defense starts around 12:15 Mike Tressel was the LBs coach under Dantonio and runs something akin to Dantonio Quarters, though his guys can't run it well. They do have a decent front four, with two good DTs protected by heavy LBs Christian Alliegro and Tackett Curtis (not good). But those guys can't cover, and you can run by Matthew Jung, the SS who adds himself to the run, and their corners are just guys. Want to see Bryce rip these guys apart. 3. Jason Sklar Around Ann Arbor starts around 12:35 The Sklar Brothers are hosting the Letterwinners homecoming event tonight and doing two shows at the Ann Arbor Comedy Showcase tomorrow night, where you can come up afterwards and give your Hot Takes. We just shoot the shit on Ann Arbor and talk about what comedians get offered to sell out to the Saudis. 4. 2025-26 Hockey Preview starts around 12:50 They have plenty of blueliners—perhaps too many—but not enough forwards. Got more of a mix in the top lines in age, but they're also a lot shorter. Plenty of centers, need TJ Hughes and Michael Hage to continue scoring at a high pace while they bring along some freshmen. Expect Cole McKinney to center a scoring line immediately. One of them (Hughes or Hage) gets Horcoff on the wing after half a young season with him last year. He's one of the best passers and we expect his line to be the top scoring one. Defensively they have depth! And a top four! But there's going be a lot of questions about playing time for the six guys vying to be the third pairing, including a senior captain, two guys who returned that didn't have to, and two freshmen who came to play. As for the backstop, they've got a draft pick freshman again, but he's not Portillo-sized. Featured Artist: Marcus: The Apex Predator The last time we featured reader Kevin Watts's postcore band on this show was right before the last time Wisconsin played before fans at Michigan Stadium. Shea Patterson kept on an arc read deep in Michigan territory to break the game open, and Michigan played Jump Around in the 4th quarter. It's been seven years, but Marcus has a new EP for us. Kevin formed Marcus: the Apex Predator in 2015 with his former drummer from Float Here Forever, Nick Marko. For FHF fans, this is like when Jonah started One Line Drawing to keep making Far songs, except Nick Marko is a drummer whereas Jonah's percussionist was an R2D2 unit. Marcus is a cat. Songs: "Lo-Fi"    "The First Summer"    "Newborn Fossil    Also because Across 110th Street will get our Youtubes taken down, the opener and outro: “The Employee is Not Afraid”—Bear vs. Shark “Ruska Vodka”—Motorboat

Nick Hopwood, Certified Financial Planner and founder of Peak Wealth Management, joins The Steve Gruber Show to guide viewers through smart financial strategies as we enter the final quarter of the year. Hopwood discusses the S&P 500's strong performance, historical trends showing Q4 gains, and why earnings growth matters for investors. He also breaks down how to protect your portfolio from potential government shutdowns and offers insights on making the best Social Security decisions based on income, health, and long-term planning. With Nick, it's all about “No lazy money”, making every financial move count. Visit PeakWM.com/GRUBER to get a free social security analysis! LIMITED OPPORTUNITY!

On this feel-good edition of the Trust the Plan Podcast, Nick Hopwood, CFP®, and Jim Pilat, CFP®, of Peak Wealth started with some positive market news. The S&P 500 is up double digits year to date, which has happened about 30 times since 1950 and is usually a good sign for the rest of the year. They encouraged listeners to focus on data like this rather than emotions, especially with distractions such as potential government shutdowns. The main topic of the episode was beneficiary IRAs and the strategy they recommend when taking withdrawals. They also discussed the investment risks involved and how proper planning can help manage them effectively. — Peak Wealth Management is a financial planning and wealth management firm in Plymouth, MI. We believe by providing education and guidance, we inspire our clients to make great decisions so they can Retire With Peace of Mind. Stay Connected With Us: Podbean: findingtruewealth.podbean.com YouTube: / @peakwealthmgmt Apple: rb.gy/1jqp6 (Trust the Plan Podcast) Facebook: Facebook.com/PeakWealthManagement Twitter: Twitter.com/nhopwood1 www.peakwm.com  

aka The 2025-26 Men's Basketball Preview, Part 1 2 hours and 26 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, Champions Circle, Winewood Organics, Community Pest Solutions, Venue by 4M where record this, and Introducing this season: Radecki Oral Surgery, and Long Road Distillers. 1. The Backcourt Starts at 1:00 Out: Tre Donaldson, In: Elliot Cadeau, who is a much better creator, and that's what this team needs. Cadeau and the general UNC'ness of North Carolina are hard to separate but he was a five-star who plays hot and should benefit from not having to fight for usage with RJ Davis. Defensively his size puts a cap on what he can do but he gets after it: more Xavier Simpson than Eli Brooks. LJ Cason is the backup point, we guess, though he may defer to Gayle as the on-ball player in those sets just because Cason is more of an off-ball threat than Roddy. Cason was a three-star because he was coming in unready, but could take that huge jump. This year is the freshman Jordan Poole year, not the sophomore Jordan Poole year, IE frustratingly forgivable. Gayle isn't going to shoot 9% in the Big Ten again, but he's what he is at this point: a guy who can get to the rim and create fouls/hit his free throws. We kinda want him coming off the bench since he can fill in for a lot of what any given starter leaves, but isn't a great fit with the other projected starting four. The other wild card is their new five-star. Trey McKenney lost 20 pounds in the offseason so he might not as much of a burly 2/3 as he seemed at OLSM. He's still Gayle at this point in his career, though with some big point upside. Not a one-and-done but should be ready by Tournament time. [The rest of the writeup and the player after THE JUMP]  2. Hot Takes, Wings and Frontcourt Starts at 32:15 Starting at the three again will be Nimari Burnett, who is Nimari: a usage soak who is there to end good possessions not start them. He began to show a bit of creation late last season but that only got him from 90% points assisted to 84%. He is very good at what he does, and unlikely to do more. His backups are extra guards, and Winters Grady, who should be Just a Shooter at this stage, and more down the road. Oscar Goodman arrived midseason last year, but he's supposed to need another year of development. Patrick Liburd is the kind of guy we wish was 2 years older right now. At the four is Yaxel Lendeborg, the #1 player in the portal, who is going to be a cross between Danny Wolf and Johni Broome, though not better than either of them. He is very strong and impossible to stop once he has you off your feet, but he's coming from an offense where he had to be the alpha creator every play and he's better as the second option. Can he guard up to three? Probably in the Big Ten; there was some distance at the Combine between him and Wolf in the agility drills, but Yaxel came out like Johni: agile enough to be among the who can play the four in the NBA. Backup to Yax is Will Tschetter, the rarest bird in college basketball these days as a five-year player who stuck around despite the likelihood of less playing time than last year. They were working on making him a shooter on the move. He has to be hidden away defensively, but this lineup has plenty of defenders to do that. Frontcourt is two guys instead of 1.5 now. We are obsessed with the upside of Aday Mara, who is 7'3" with impossible length. He would have had the highest block rate in the country by some distance if he played enough to qualify; he didn't because he got sick (Mono?) but when he returned they had him playing 21 mpg and UCLA got much, much better. Then he got benched. Sometimes he plays soft—was that a sick thing, a Cronin thing? He's also got a soft touch and a good feel for passing. May be as good as Yaxel if he hits his ceiling. Mara's platoonmate, and the probable "starter," is Morez Johnson from Illinois, a crazy rebounder with great ups and shot-blocking ability. Offensively he's a finisher. Defensively there's some hope he can be switchable. Going to make it very hard to go inside and give Michigan an edge from the five that they haven't had since...? 3. How It All Fits Starts at 1:11:34 Can they play the bigs together? Matt D says the NBA is going back to three forwards, and Michigan's best attribute is they're Old North Carolina, where they're just going to out-size everybody. That's doable if they can get Mara to be the player we think he could be, since he can create and so can Yaxel, and you can get away with blow-bys when you have a guy like Mara who blocks shots without leaving the floor. Speaking of floor, this team at worst looks like a four-seed, with considerable upside if a) Mara can play more and maintain his numbers, b) Cadeau cuts down on turnovers, c) Gayle finds his shooting, d) Cason blows up, or e) McKenney blows up. Think they can cut down on turnovers from last year because Wolf just had a bunch that were unforced, and because instead of forcing everything to the rim they can shoot bad twos and rebound them. They also just have more room to pass to. 4. Around the Big Ten with Jamie Mac Starts at 2:02:19 Oregon 30, Penn State 24 Penn State could do nothing on offense until the 4th Q when they had went on an Oregon-is-exhausted march, then hit a great PA shot. The INT that ended it was that pyramid formation Lanning loves. Frames punted from the plus-36.  Ohio State 24, Washington 6 Went about how you might expect a team whose OL/DL are their issues would go against OSU, IE they got six points out of three red zone trips and then it was 17-6 in the 4th Q and they had to go for it on 4th down. OSU did a great job containing the QB run. Indiana 20, Iowa 15 I know that touchdown; that's the Anthony Carter play!  Iowa had chances to win this but lost their QB near the end and also went Cover Zero one too many times.  USC 32, Illinois 34 This felt like two good teams going at it, though USC was short on guys in the secondary and played bend-don't-break until they either broke or Illinois pulled out a Philly Special. Coulda been a blowout but Illinois fumbled in the endzone twice. Minnesota 31, Rutgers 28 Rutgers hits their program high when they have to play a Big Ten West schedule. Good solid quarterbacking until Athan Kaliakmanis had to face pressure, which is like Pedro Serrano trying to hit a curve. Northwestern 17, UCLA 14 Down 17-0 to Northwestern was probably UCLA's best shot at winning a Big Ten game this year. MUSIC: "Surefire"—Wilderado    "See You Again"—Tyler the Creator "I Believe She's Lying"—Jon Brion “Across 110th Street”—JJ Johnson and his Orchestra   

2 hour and 26 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, Champions Circle, Winewood Organics, Community Pest Solutions, Venue by 4M where record this, and Introducing this season: Radecki Oral Surgery, and Long Road Distillers. 1. Offense vs Nebraska Starts at 1:00 Is yogurt, honey, and granola a snack? Dave Nastersnacks will give us the answer. Oklahoma was a 24-13 loss but it felt worst than that, this was 30-27 win but it felt better than that (but also worse!). The domination on both lines was more notable than some of the silly, bad things that happened. Between Oklahoma and Nebraska, Michigan hasn't had a complete touchdown drive (but this game had an 8 minute drive to go up by 10). Caveats aside, we're on the verge of saying Greg Crippen is good after he blocked three guys on one play. Running stretch is hard and they're running it quite well. McCulley had a great game but was to blame on Semaj's throw being incomplete. Zero drops otherwise and ran guys over. Everyone else? Not so great. Gotta catch the ball on a slant, get used to passes from Underwood. Should they throw it to Peyton O'Leary? The running backs sure toughened up in this one. Max Bredeson blocks everyone like they're Caleb Downs in the Rose Bowl. Not many Bryce critiques. Catch the ball. Guarnera is just not making mistakes. What's the next good defensive line that Michigan will play, Ohio State? Michigan consistently got a play in, saw the look of the defense, and got a new play in.  2. Defense vs Nebraska Starts at 46:58 Time for a Wink Martindale argument? He doesn't need to do anything fancy. Just run the Iowa defense, you're not going up against an NFL offense. Brandyn Hillman is being asked to do things outside of his base job. 27 points, seven are on Biff, seven are on Hillman taunting, three are on Mangham missing a sack. Otherwise it was pretty good? Raiola was getting sacked every other play. Too many safeties missing sacks. Complaining aside, they got to the quarterback a lot and tackled well. Sanders has been playing a lot and there haven't really been any negative feelings about him. Wink would be a better poker player than Mike Debord but not as good as Jesse Minter. This game felt like Trey Pierce arrived. Cole Sullivan has absolutely emerged, he's little bit of everywhere and has freaky long arms. Defensive backs played well. The Shamari Earls PI was a bit weak. Brandyn Hillman needs to grow up, that was the most obvious personal foul in a minute. Brian usually defends players celebrating and even he says that's an obvious foul. Was it a targeting call at the end of the game? Let's talk about the Hail Mary. Why was TJ Guy dropping? Why was there a spy?  3. Hot Takes, Game Theory, and Special Teams Starts at 1:25:17 Takes hotter than a Wisconsin fan looking at whatever the shit that was on Saturday. If you're Nebraska, would you go for it on 4th and 2 on the opening drive? Should Michigan have called timeout at the end of the first half? Maybe Sherrone could make a better call here but we can't know that. Zvada hit a 56 yarder and a chip shot to seal it, yay. Punting was okay, how do you recruit punters? What's with Semaj at punt returns? Punt returning has been a problem for a couple years now. Kendrick Bell got the onside! Gary Danielson and Brad Nessler are washed. The turf was a little slippy?  4. Around the Big Ten with Jamie Mac Starts at 1:51:48 Indiana 63, Illinois 10 This is the most points a top 10 team has been beaten by. This looks like Michigan's boxscore against Central. Cignetti is vindicated. How much is this Indiana being legit and Illinois never being top 10 team? Maryland 27, Wisconsin 10 The boxscore shows a relatively even game, BUT Maryland blocks a punt, field goal, and gets one of the easiest interceptions you've seen. Luke Fickell is done. The boo birds were just apathetic, which is worse than booing. 61 rush yards for Wisconsin on 42 attempts.  Oregon 41, Oregon State 7 Oregon State has fallen on hard times since college football ejected them. This game looked like a controlled scrimmage. Is Oregon really good or just beating up on bad teams? We'll see how Oregon does during a whiteout at Penn State next weekend.  Notre Dame 56, Purdue 30 Purdue's defense is really bad. Purdue is Purdue.  Iowa 38, Rutgers 28 Iowa returns the opening kickoff for a touchdown and could not stop Rutgers' QB. Both teams went up and down the field, what is happening??  USC 45, Michigan State 31 The boxscore looks a little close but MSU gets a 75 yard drive down three touchdowns. Mostly a blowout. The Spartans' defense did not have answers to USC's running game. Aidan Chiles had some explosive plays.  Washington 59, Washington State 24 Another Pacific Northwest rivalry that college football has ruined. Does Washington have the best complete package for skill position players in the conference? We don't trust Ohio State's run game.  MUSIC: "Wave Goodnight"—Jeff Rosenstock "Alien With a Sleep Mask"—Batboys "Big Dipper"—Built to Spill “Across 110th Street”—JJ Johnson and his Orchestra   

On the Trust the Plan Podcast, Nick Hopwood, CFP® and Jim Pilat, CFP® explore the concept of "What's your number?" This refers to the specific amount of money you need to feel comfortable retiring. They explain how identifying this number brings clarity to your financial planning and helps you focus on what truly matters to achieve your goals. It's about understanding what you need to live the life you want and being able to enjoy it guilt-free once you've reached that point. Nick and Jim outline practical steps to reach your number, including intentional saving, investing, and aligning your plan with your values and vision for retirement. — Peak Wealth Management is a financial planning and wealth management firm in Plymouth, MI. We believe by providing education and guidance, we inspire our clients to make great decisions so they can Retire With Peace of Mind. Stay Connected With Us: Podbean: findingtruewealth.podbean.com YouTube: / @peakwealthmgmt Apple: rb.gy/1jqp6 (Trust the Plan Podcast) Facebook: Facebook.com/PeakWealthManagement Twitter: Twitter.com/nhopwood1 www.peakwm.com  

Special Guest: John U. Bacon. The Sponsors We want to thank Underground Printing for starting this and making it possible—stop by and pick up some gear, check them out at ugpmichiganapparel.com, or check out our selection of shirts on the MGoBlogStore.com. And let's not forget our associate sponsors: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklar Brothers, Winewood Organics, Community Pest Solutions, Radecki Oral Surgery, Long Road Distillers, and SignalWire where we are recording this. Featured Musician: Karl Kingson THE VIDEO: [After THE JUMP: Things discussable.]  --------------------- 1. Nebraska Preview: Defense starts around 12:15 pm Play a weird nickelized version of the Rock Long 3-3-5 that has a 235-pound former Indiana linebacker at edge and moveable guys who like to get upfield up front. If you get them blocked up correctly there are ways to gash them. The best team to use against them would be 2023 Michigan—definitely think El-Hadi being out will have an effect. Run the QB? 2. Nebraska Preview: Offense starts at noon Dylan Raiola is a year 2 five-star but hasn't taken that next step despite Nebraska spending a lot of money to put talent around him and gave him Air Raid expert Dana Holgorsen, but they weren't that impressive vs Cincy. Their transfer OL haven't worked out, and they're not sure who's their LT. Those receivers are legit though. 3. Interview w John U. Bacon, author of The Gales of November: The Untold Story of the Edmund Fitzgerald starts around 12:30 pm Bacon has a new book, so we have him on to talk about the haunting story of the Great Lakes' most famous shipwreck, and the lives, loved ones, and Dodge Chargers that were left behind. Pre-Order Link: http://johnubacon.com/ 4. CMU After Review starts when we're done with Bacon They put the air back in the ball. Underwood runs make the whole offense easier. CMU offense wasn't much of a test, but we got to try out the Barham at Edge thing, and want to see it transitioned to the next phase. Also need to talk about QB runs and why Michigan hasn't been able to fit them. Featured Artist: Karl Kingson Karl Kingson is a Detroit-based multidisciplinary artist whose work blends music, film, and visual storytelling into cinematic experiences that move both the heart and the body. With a sound rooted in R&B, pop, and alternative scores, Karl creates songs that feel like stories — romantic, mysterious, and timeless. His debut single STARE exemplifies his vision: a fusion of soulful vocals, striking visuals, and performance art that transforms love into a cinematic universe. Beyond music, Karl is a visionary creative and cultural architect. His projects span bold promotional campaigns, immersive live events, and fashion-forward collaborations, always grounded in the energy of Detroit and the underdog spirit he represents. His brand essence is motivation — inspiring audiences to embrace their value, chase their dreams, and connect through authentic artistry. Songs: "Open Medium"—Karl Kingson "The Wreck of the Edmund Fitzgerald"—Gordon Lightfoot "Brandy (You're a Fine Girl)"—Looking Glass Also because Across 110th Street will get our Youtubes taken down, the opener and outro: “The Employee is Not Afraid”—Bear vs. Shark “Ruska Vodka”—Motorboat

On this episode of The Steve Gruber Show, Nick Hopwood, Founder and President of Peak Wealth Management, shares his expert insights on the current state of the financial markets and retirement planning strategies. Nick breaks down the Federal Reserve's upcoming rate cuts, why investors shouldn't stay in cash, and how international indexes are hitting all-time highs despite widespread nervousness. He also revisits the trends following Fed Chair Powell's Jackson Hole speech, explaining how historical patterns show strong returns for investors over the coming year. Nick also covers tax-efficient strategies for Bene IRAs and why having a solid plan, and trusting it, is more important than ever. Listeners can get a second opinion from Nick and his team of CFPs at peakwm.com/gruber

2 hour and 25 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, Champions Circle, Winewood Organics, Community Pest Solutions, Venue by 4M where record this, and Introducing this season: Radecki Oral Surgery, and Long Road Distillers. 1. Offense vs Central Michigan Starts at 1:00 Michigan's biggest blowout since the 2016 Hawaii game. This game was trending towards a total rutger for a while and was a nice palette cleanser. More Biff Poggi interviews, please. Listen for the Chip's chips. Do we think "Sherrone's not here so let's play with the kids"? Who's your Crippen comparison, Andrew Vastardis? David Molk? This is what Bryce Underwood looks like when he's not under siege. What did Bryce see on the interception? He had someone open. One of the special things about Bryce is he can just go and get you 20 yards on the ground. Is he putting a little extra zip on the ball? McCulley had a couple nice catches, other guys need to catch the ball. Running backs did a better job of re-gapping in this game. The offensive line had a nice day with some [redshirt] freshman mistakes. Jadyn Davis played several drives with no passes.  [The rest of the writeup and the player after THE JUMP]  2. Defense vs Central Michigan Starts at 44:32 Couldn't quite get a total rutger but felt like it would for a while. They played a 3-4 for most of this game. Jaishawn Barham found the backfield a lot. Manuel Beigel had some meaningful time in the first quarter. Central Michigan ran a lot of down G. A lot of guys were hurt in this game but backups looked good. Michigan has a little Channing Stribling now. Rolder was up and down but had some good stops. Does Biff even understand Batman's hero abilities work??  3. Hot Takes, Game Theory, and Special Teams Starts at 1:05:11 Takes hotter than the Georgia Tech radio announcer after the bees hit a fire drill field goal from 50 yards and they SOUNDED EXACTLY LIKE THIS. There's a list of things you can't bring into the stadium but they're handing out versions of the thing! Someone teach the students how to do the wave and when to do it, we didn't even get a fast or slow wave. And not when the game is happening! We like Jake Butt as a commentator. What's Semaj's plan when he's fielding punts? Definitely a sad field goal.  4. Around the Big Ten with Jamie Mac Starts at 1:38:31 Too many Big Ten teams so notes are reduced. Nebraska 59, Houson Christian 7 Maryland 44, Towsend 17 Penn State 52, Villanova 6 Penn State is struggling to convert on 3rd down on Drew Allar's arm. Rutgers 60, Norfolk State 10 Iowa 47, UMass 7 Indiana 73, Indiana State 0 ISU with 77 total yards, not a total rutger. Oregon 34, Northwestern 14 Most of Northwestern's yards were in the 4th quarter while down 34-0, but Northwestern had a pulse at times. Alabama 38, Wisconsin 14 No Billy Edwards in this game. Wisconsin couldn't do anything, this was a debacle. If they don't beat Maryland, do they get a win the Big Ten? USC 33, Purdue 17 It wasn't particularly close, but Purdue had some long drives (that ended in picks).  Michigan State 41, Youngstown State 24 This was a bit of a game for a little while?? Michigan State was always in control but gave up some big plays. The Spartans lost some starters to injuries. Ohio State 37, Ohio 9 The score looks close but it was not. Ryan Day's decision making kept the scoring low. Illinois 38, Western Michigan 0 Is Illinois really a top 10 team? Which Memorial Stadium is the real Memorial Stadium? California 27, Minnesota 14 A game that was fairly even statistically except for a couple turnovers.  New Mexico 35, UCLA 10 UCLA is BAD bad, and they fired their coach. This was not a fluke. New Mexico got pressure on 52% of Nico's dropbacks. The Big Sky says "no thanks" to adding UCLA. 

The Sponsors We want to thank Underground Printing for starting this and making it possible—stop by and pick up some gear, check them out at ugpmichiganapparel.com, or check out our selection of shirts on the MGoBlogStore.com. And let's not forget our associate sponsors: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklar Brothers, Winewood Organics, Community Pest Solutions, Radecki Oral Surgery, Long Road Distillers, and SignalWire where we are recording this. Featured Musician: Jim Cherewick THE VIDEO: [After THE JUMP: Things discussable.]  --------------------- 1. CMU Preview: Offense starts at noon They rotate a LOT. Get ready for two offensive lines, three quarterbacks, and a lot of Iowa from the former Army OL coach whose YouTube clinics have been a staple of my learning diet. Fullbacks! 2. CMU Preview: Defense starts around 15:02 MAC version of Hutch, or a poor man's Braden McGregor is Holdman, the SDE who has to play B-gaps because they don't have the size. They're in a 404 Tite and they're aggressive, so expect something like the Army 2019 game. 3. Oklahoma After Review: Offense starts around 26:10 What it looked like on first watch. Frustrating that we don't have answers for Dantonio stuff. Felt like Hoke era offense. OL was okay save for Zack Marshall; he wasn't ready and we missed Marlin Klein. RBs were not pressing gaps, Haynes missed blocks in pass pro. 4. Oklahoma After Review: Defense starts at 44:43 Couldn't fit the QB run game. A lot of that was unbalanced, and Michigan didn't use the same response to that as usual, probably because Jayden Sanders was at corner and they didn't want him to be the free safety. Some Dammit Wink but I expect Guy to chip. Weirdly bad games from Benny, Guy, Moore. A little worried that Tre Williams still thinks he's a Clemson d-tackle.  Featured Artist: Jim Cherewick A local artist, writer, and musician, Jim Cherewick has been involved in a lot of projects around town—Gymsee, False Figures, Best Exes, Piner, Wicker Chairs, and Congress. I discovered him because I liked his watercolors, and then saw he's playing at the Pig with Cattywampus in October so I started checking out his stuff and have been writing to it all week. It's all indie but all sounds different—the best way I can describe it is you start with a guy and a Fender and add a My Bloody Valentine slider that goes all the way up (Congress) or down (Wicker Chairs). I chose a spread to show what I mean. I'm still in discovery mode here but hope you'll join me. Songs: "Death Wagon"—Jim Cherewick "Urgency"—Wicker Chairs "Pile of Me"—Congress Also because Across 110th Street will get our Youtubes taken down, the opener and outro: “The Employee is Not Afraid”—Bear vs. Shark “Ruska Vodka”—Motorboat

1 hour and 48 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, Champions Circle, Winewood Organics, Community Pest Solutions, Venue by 4M where record this, and Introducing this season: Radecki Oral Surgery, and Long Road Distillers. 1. Offense vs Oklahoma Starts at 1:00 How bothered/upset are you right now? Seth says this game was 2004 Notre Dame. It feels like they're playing for 2027 but you need some momentum if you want to get more wide receivers. You want Bryce Underwood to let it rip but instead the offense played way too conservatively. Michigan didn't keep it close, Oklahoma kept shooting themselves in the foot to keep Michigan in this game. Oklahoma knew Michigan would run a bunch of freshman quarterback plays and blew them all up. It's possible that Michigan didn't drop back much because they offensive line couldn't give Bryce enough time and the coaches knew this. Maybe the coaches are just trying to keep Bryce from getting hurt and that means playing conservatively in a non-conference game. Why are there so many runs and screens on 3rd down? Just throw it on 3rd and long and see what happens. How much of the Jim Harbaugh stuff is sustainable without literally Jim Harbaugh? Sometimes Crippen just isn't strong enough for his assignment.  [The rest of the writeup and the player after THE JUMP]  2. Defense vs Oklahoma Starts at 29:45 That felt like it should've been about 24 points. John Mateer also did some incredible things and came up positive in the random number generator game. Michigan wasn't able to get after Oklahoma's freshman left tackle. There was some cute Wink stuff again that the personnel couldn't execute. He reverted back to some of his ways from early last year. When Oklahoma did run it up the middle the defensive line was what you wanted it to be. Overall, the defense was okay, just not #1 defense in America okay. TJ Guy getting shut down by a true freshman tackle says "we're just not there." Was there much of a difference with and without Jaishawn Barham? Oklahoma seemed to adjust to his absence but Michigan didn't.  3. Hot Takes, Game Theory, and Special Teams Starts at 53:11 Takes not quite as hot Billy Napier's hot seat. Number changes must be approved by a sickos committee (unless it is to make the quarterback #98). Michigan elected to kick from the plus 38 yard line, this is indefensible when you have Zvada. The point of being Michigan is that you can get that 4th and 2. Sherrone should be old and young enough to have played Madden from the age of six. Go let Zvada (and all the guys who make plays) go make the plays they're supposed to make. There was no mention of Semaj getting targeted and looking woozie. In case you're wondering the difference between running into the kicker and roughing the kicker... that was roughing the kicker.  4. Around the Big Ten with Jamie Mac Starts at 1:21:51 Too many Big Ten teams so notes are reduced. Penn State 34, FIU 0 Indiana 56, Kennesaw State 9 Minnesota 66, Northwestern State 0 Minnesota running back Darrius Taylor went out with an injury. Ohio State 70, Grambling 0 Nebraska 68, Akron 0 It should be a little bit easier to run against Nebraska than Oklahoma at least. Wisconsin 42, Middle Tennessee 10 This game was actually close for a while. Wisconsin couldn't run the ball well at all. USC 59, Georgia Southern 20 USC with 11.3 YPP through two games. They have one touchdown per 6.5 snaps. Washington 70, UC-Davis 10 Northwestern 42, Western Illinois 7 Purdue 34, Southern Illinois 17 Illinois 45, Duke 19 Duke is not a terrible ACC team, they outgained Illinois. How valid is Illinois being ranked #11? Duke had five turnovers. Illinois got a first down after Duke had two guys wearing the same number on a punt. Iowa 13, Iowa State 16 This was a perfect rendition of ¡El Assico!. Zero explosive plays between both teams. Neither team got to 300 yards of offense. The same guy kicked the same game winning field goal for the 2nd year.  Rutgers 45, Miami (NTM) 17 Rutgers has scored on 12 of their 16 drives this year. There's a legit passing attack here. Oregon 69, Oklahoma State 3 Mike Gundy complained before the game that Oregon spent a lot of money on their players. Then oh no! Oklahome State is an OSU that looks too much like Oregon State apparently. Michigan State 42, Boston College 40 (2OT) Aidan Chiles can be anything in any given week and this week was Good Aidan Chiles. Is Michigan State's pass defense worse than Fordham's? UNLV 30, UCLA 23 Going to UCLA is telling on yourself. UNLV's first win over a "Big Ten" team in 22 years. Alex Orji's only appearance was one running play. Maryland 20, Northern Illinois 9 Would you rather take the Maryland job or the Virginia Tech job? Would you rather have mayo dumped on you or lose the Mayo Bowl? MUSIC: "What's the Move"—Friendship "After the Flood"—Jesse Woods "Take My Heart"—Florry “Across 110th Street”—JJ Johnson and his Orchestra   

The Sponsors We want to thank Underground Printing for starting this and making it possible—stop by and pick up some gear, check them out at ugpmichiganapparel.com, or check out our selection of shirts on the MGoBlogStore.com. And let's not forget our associate sponsors: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklar Brothers, Winewood Organics, Community Pest Solutions, Radecki Oral Surgery, Long Road Distillers, and SignalWire where we are recording this. Featured Musician: Booster THE VIDEO: [After THE JUMP: Things to be said.]  --------------------- 1. Oklahoma Preview: Offense starts at noon It's John Mateer doing Tate Forcier things in an RPO-heavy system that meets its greatest challenge yet in a defense that doesn't give you any easy reads. Can their haphazard OL with one or two true freshman hold up to Michigan's DL? Can Michigan force Mateer into mistakes? Are his receivers enough to get open for him? Fascinating matchup. 2. Oklahoma Preview: Defense starts around 12:20 The other side of our Spiderman Pointing: their defense is Legit. Venables defense is the older cousin of the Don Brown system: it's 50% Don Brown's cover 1, which he calls "Brown" and 50% Dantonio's quarters. The DL get upfield in a hurry and the LBs have to make them right, but there's always a safety or two involved in the run fits to collect when you break outside. Best way to attack it is CJ Stroud and NFL receivers but we're probably not there yet. He has two hybrid OLBs so he doesn't get Devin Gil'd but those guys might be susceptible to some Bredesoning. 3. New Mexico After Review: Offense starts around 12:45 This is where we talk about Bryce Underwood. 4. New Mexico After Review: Defense starts around 1:10 PM This is where we talk about College Crappe. Featured Artist: Booster Detroit born (East side in August 1990), and Detroit educated, Booster was exposed to music from an early age from his artist/performer mother, which you can tell because his music is dripping with 1960s (you'll hear that Motown cooing in All Night Long) and 1970s (the funk in Real City) Detroit, and honed himself at the Detroit School of Arts and the music program at Kentucky State University. He's changed his approach several times in his career, but the throughline is his creativity. A musician's musician, Booster is the guy a lot of local creators get their ideas from—like how all the rock bands in Ann Arbor in my day were obsessed with At the Drive-In. You can read more about him here and check out his socials: Ig: @imyourboost YouTube: imyourboost Facebook: @imyourboost Songs: All Night Long    Box    Real City    Also because Across 110th Street will get our Youtubes taken down, the opener and outro: “The Employee is Not Afraid”—Bear vs. Shark “Ruska Vodka”—Motorboat

2 hours and 40 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, Champions Circle, Winewood Organics, Community Pest Solutions, Venue by 4M where record this, and Introducing this season: Radecki Oral Surgery, and Long Road Distillers. 1. Offense vs New Mexico Starts at 1:00 When's the last time you've ever seen an offensive lineman run away from a fight? Probably the funniest thing all night. New Mexico came out like they wanted to make a statement for a new era of New Mexico, and they may have an endless well of College Crappe that they can run. Let's talk about Bryce Underwood, it took one game for Brian to become a believer. Bryce just turned 18 but we're making critiques that you would make about juniors and seniors. He's got a thing for parabolic arcs. We're finally seeing the Semaj Morgan we hoped to see when he was a sophomore. The whole stadium stopped and turned to Brian on the play action pass to Max Bredeson. Bryce is very accurate when he can throw in the pocket, if Channing Goodwin hadn't put his hands up the ball would've just gotten stuck in his facemask. They're not running Bryce but then he's throwing a monster block with his throwing shoulder. Offensive line kept Bryce from getting lit up so that's a W, especially against a couple decent transfer edges. So was Justice Haynes worth the price? Overall, Channing Goodwin was encouraging. Fred Moore had a bad drop.  [The rest of the writeup and the player after THE JUMP]  2. Defense vs New Mexico Starts at 51:04 A little tricky to grade the defense. They gave up some stuff but some of it was aided by the officials. Wink seemed to struggle with the College Crappe a bit, but Ohio State doesn't run that and you need Wink to beat Ohio State. QB Jack Layne was a fearless dawg who kept getting back up all game. Michigan had a lot of rotation all game. Brandyn Hillman hit a guy hard enough that you didn't need Grapentine to tell you who it was, Jyaire Hill got beat. Enow Etta played more than was expected. Seth got deported from the Vatican once. Jaishawn Barham is probably the worst person to get hit by on this team. The defensive line doesn't have a superstar but it's deep like the 2022 line.  3. Hot Takes, Game Theory, and Special Teams Starts at 1:17:56 Takes hotter than Michigan Stadium after Jaishawn Barham got ejected. Michigan punted on 4th and 1 on their own 49, three thumbs down. Andrew Marsh fumbled a kickoff and hesitated on one he brought out but he's a true freshman so it is what it is, it'll get better. Hudson Hollenbeck was fine, there's room for improvement. Discussing the targeting call, note that this was recorded before the "upheld" decision. Oops, we've been pronouncing "Sprague" wrong apparently. Maybe we midwesternized his name.  4. Around the Big Ten with Jamie Mac Starts at 1:58:00 There are too many Big Ten teams so there are fewer notes for some games. Purdue 31, Ball State 0 Maryland 39, FAU 7 The Maryland freshman QB looks pretty decent. Total yardage was somehow even. Penn State 46, Nevada 11 Penn State might be a boring team to watch until they play Oregon. Iowa 34, Albany 7 The Iowa QB was still pretty pedestrian. Oregon 59, Montana State 13 USC 73, Missouri State 13 Welcome to the FBS, Missouri State. Illinois 52, Western Illinois 3 Northwestern 3, Tulane 23 Preston Stone had -42 rushing yards. The Northwestern head coach says to "believe in this quarterback". Indiana 27, Old Dominion 14 This Indiana team feels less explosive compared to last year. Washington 38, Colorado State 21 Jonah Coleman had 177 rushing yards on 24 carries, the Huskies are looking more explosive this season. They could be Pacific Chaos Team but their defense is still suspect.  Utah 43, UCLA 10 "Committing to UCLA is telling on yourself", Nico Iamaleava was 11/22 for 136 yards, 1TD/1INT. UCLA is still who they've been. Utah was 14/16 on 3rd down conversions. Michigan State 23, Western Michigan 6 Michigan State struggled to stop Western's edges. 138 yards in the last nine drives isn't great. MSU did get a 21-0 lead early, though. Rutgers 34, Ohio 31 Not a great start for Rutgers. Overall, an exciting game. Minnesota 23, Buffalo 10 This is much more of a blowout than the score indicates. Minnesota QB is 19/35 for 290 yards (2TD/1INT). Buffalo is a good MAC team, too. Wisconsin 17, Miami (Oh) 0 Billy Edwards is injured and Wisconsin struggled to move the ball. But Miami struggled more. Nebraska 20, Cincinnati 17 Dylan Raiola was 33/42 for 243 yards but it was mostly to the backs. Former Indiana QB Brendan Sorsby was the Cincy QB that threw the final interception. Half the event was that Taylor Swift was here. Ohio State 14, Texas 7 336 yards for Texas, 203 for Ohio State. The Buckeyes can't really run the ball. There was some "oh no" from the Ohio State fans. Texas got stopped four times on 4th down, twice inside the 10. Texas also has two massive facemask penalties. Ohio State also had weird drops from the receivers. When's the last time Ohio State had less than 200 yards of offense? MUSIC: "Sunday Eve"—Bonnie Calista "Spin Me Around"—The Marias "River Song"—Dennis Wilson “Across 110th Street”—JJ Johnson and his Orchestra   

The Sponsors We want to thank Underground Printing for starting this and making it possible—stop by and pick up some gear, check them out at ugpmichiganapparel.com, or check out our selection of shirts on the MGoBlogStore.com. And let's not forget our associate sponsors: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklar Brothers, Winewood Organics, Community Pest Solutions, Radecki Oral Surgery, Long Road Distillers, and SignalWire where we are recording this. Featured Musician: Magic Toaster THE VIDEO: [After THE JUMP: Things to be said.]  --------------------- 1. New Mexico Preview: Offense starts at the top They've got a very 2022 Colorado State vibe after importing a Big Sky team. We like their Big Sky RBs better than MSU's. Mikey Keene-ish QB wasn't the reason they gave Oregon trouble. 2. Preview in Review: Defense starts at 11:24 The wily open defensive end is. The rest of lines and their secondary are terrible, save a Bruce Feldman Freak who had six kick return touchdowns in the FCS. 3. Preview in Review: Defense starts at 22:58 We're so into Metcalfs. Shark Teeth mode now with players behind players. Only thing is they don't have so many superstars—just good guys all around. Can Jyaire Hill step forward into one? Benny? Derrick Moore is the one EXTRA guy that we can't lose. 4. Preview in Review: Offense starts at 35:50 Surviving Evan Link. Featured Artist: Magic Toaster Songs: Saturday Night Anything's Fine Blue Night Oberon Also because Across 110th Street will get our Youtubes taken down, the opener and outro: “The Employee is Not Afraid”—Bear vs. Shark “Ruska Vodka”—Motorboat