Podcasts about Pension

Join Jeff Malec and Jason Buck as they dive deep into the inaugural Return Stacked Symposium held at the CBOE in Chicago. They break down key presentations from institutional leaders like Jonathan Glidden and Roxton McNeal, exploring how portable alpha and return stacking are revolutionizing portfolio construction. Hear their candid insights on leverage, uncorrelated strategies, and why this approach might be the future of investing. From pension fund strategies to practical advice for RIAs, this episode offers a comprehensive review of the cutting-edge investment conference that's challenging traditional portfolio management.. SEND IT!Chapters:00:00-00:47=Intro00:48-07:13= Setting the Stage: Return Stacking Symposium Overview 07:14-14:21=Shane McCarthy's State of Portable Alpha: Panel 114:22-27:28=Jonathan Glidden: Transforming Delta Pension with Return Stacking: Panel 227:29-42:05=Patrick Kazley's Convex Overlays: Volatility, Trend, and Portable Alpha for the Taxable Masses: Panels 3 &442:06-50:10= A Gaggle of Advisors - RIAs in practice & side conversations: Panel 550:11-01:05:49= Behind the Curtain: Pension Fund Strategies and Institutional Investment Challenges and Roxton McNeal's Deep Dive: Orthogonal Return Streams and Portfolio Complexity: Panel 601:05:50-01:15:22= Wrap up: Advisor Panel Insights: Return Stacking in PracticeFrom the Episode:Secret Club that Runs the WorldReturn Stacked Podcast episode: Saving Delta's Pension with Portable Alpha - Jon GliddenOne River - Convexity Rebalancing Act whitepaperThe Derivative podcast episode with Homer Smith - Dunn Capital MGMT Whitepaper - High-VOL Trend FollowingAQR - Cliff Asness = Cliff's PerspectivesDon't forget to subscribe to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Derivative⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, follow us on Twitter at⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@rcmAlts⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and our host Jeff at⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@AttainCap2⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ , and⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, and⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠sign-up for our blog digest⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.Disclaimer: This podcast is provided for informational purposes only and should not be relied upon as legal, business, or tax advice. All opinions expressed by podcast participants are solely their own opinions and do not necessarily reflect the opinions of RCM Alternatives, their affiliates, or companies featured. Due to industry regulations, participants on this podcast are instructed not to make specific trade recommendations, nor reference past or potential profits. And listeners are reminded that managed futures, commodity trading, and other alternative investments are complex and carry a risk of substantial losses. As such, they are not suitable for all investors. For more information, visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.rcmalternatives.com/disclaimer⁠⁠⁠⁠

An international report this week has given New Zealand's pension system a solid pass rate. Money correspondent Susan Edmunds has been looking at it and joins us now.

In today's Q&A episode, we're answering a bunch of questions from those on the threshold of retirement, getting into the nitty-gritty of age-difference planning, DB scheme reductions and all sorts! Shownotes: https://meaningfulmoney.tv/QA29    01:04  Question 1 Hi Pete I am really enjoying listening to the podcast, thank you. They make what can sometimes be a complicated subject much easier to understand. I have a question which I have asked my SIPP provider but even they don't appear to know the answer so here goes: If someone has a SIPP valued at say £1.2m and a DB pension valued at say £300k, in order to maximise the favourable annuity provided by the DB pension, is it possible to draw the full LSA (25% tax free cash) from the SIPP? Or is there a requirement to draw the LSA on a pro rata basis from both the SIPP and the DB pension? Thank you, AJ 07:07  Question 2 Hi Pete and Roger, Thanks to The Meaningful Money Handbook, The Meaningful Money Retirement Guide and listening to all of your podcasts, I'm now in the fortunate position to retire in three years at the age of 55. However, I have a couple of questions about building a Cash Flow Ladder: Q1 - Should I be moving my investments into the various rungs of the ladder now, or just wait until I retire? Q2 - Most of my investments are in a pension, but I also have an ISA for a bit of flexibility. Would it make sense to use the same ladder structure in both the pension and the ISA? Thanks for all your good work. Tim 11:17  Question 3 Hi guys Loving the podcast - helped me through the COVID years and it's been a staple ever since so thank you for that. My question is around investing in older age. At what point, if any, is it worth cashing out GIA investments if other sources of income such as state pension and DB pensions are more than enough to live off and I have sufficient other capital (cash isas) for those big things still ahead? I'm not planning to leave any sort of inheritance (unless I pop my clogs early !) so is there some rule of (age) thumb of when to cash out and spend investments? I sort of don't see the point of continuing to invest after a certain age and to spend the money. But I guess it's not easy switching from investing to spending. Thanks, Chris 16:33  Question 4 Hi Pete & Roger, Great show gents, always interesting and informative.  I've been an avid listener for a couple of years now and have been encouraged to write in on the off-chance that my question may have relevance to others with a similar dilemma. I fear you may feel it's too niche but here goes: I'm 59yrs old and for all intents and purposes retired, in as much as I quit my career in business 18months ago to take on the full-time parental care role of my 6yr old twins which enables my wife (15yrs my junior) to continue in the career she loves. We are fortunate that my wife is an additional higher rate tax payer (as was I before I quit), we live mortgage free in a ~£1.5m family house - all of which means I have no plans to draw a pension until my wife is also ready to retire, which despite her occasional gripe, is not likely to be until our children leave school (by which time we will be ~ 72 and 57 respectively). I have a small index-linked Public Sector DB pension that kicks in in a few months time when I hit 60 (£7k per year) and expect to get a full State Pension which should provide me with around £20k p.a. at todays values as a base income when I reach state pension age in 7 years time. I also have a Pension pot currently valued at around £1.2m, made up from £1m SIPP and £200k S&S ISA) and my wife's Pension pot is currently valued at around £520k (£400k SIPP & £120K S&S ISA).  I no longer contribute to my SIPP but my wife invests around £30k Gross in to her SIPP annually and we plan on continuing to fill both ISA allowances each year until she retires.  We are both 100% invested in equities using low-cost Global trackers to maximise their growth potential. Here's my question, I was burnt a few years back (before I started listening to podcast like yours to educate myself on how to manage my finances) when I was persuaded to join SJP and combine all my old workplace pensions into a single pot managed with them.  I even persuaded my wife to join and I opened Junior SIPPs for my twins when they were born (not their advice, my own) which we continue to pay the full amount into monthly to hopefully secure their future retirement. Long and the short of it, the more I learned about investing, the more I regretted my decision to tie myself into SJP and the more I begrudged paying their relatively high fees (for what turned out to be a lower return than much lower cost tracker options could / would have produced over that same time period). I eventually sucked up the exit fees and bailed out a few years back, taking my wife and children's accounts with me and whilst I haven't looked back, it has made me reluctant to spend money on financial advisors, given the perceived poor advice I felt I received last time. To that end, I'm currently planning on managing mine and my wife's finances through retirement without recourse to an advisor but have started to have niggling doubts as to the whether I'm being too arrogant in my own abilities. In simple terms, our aim to build a combined Pension Pot (incorporating a healthy ISA element to aid in tax-efficient drawdown, allow my wife to retire early(er) if she so desires and to cover one-off expenses that may from time to time will come up) that's large enough for us to live off comfortably based on a flexible 3-3.5% drawdown rate annually (index-linked).  The plan is also to remain 100% invested in equity throughout retirement with the exception of and maintaining, a 3-5yr cash-like buffer (invested in MM Funds / short term government bonds) from which to take our living expenses. My wife and I are not extravagant spenders and can easily cut our cloth according to circumstances, so my feeling is, with a small but decent guaranteed income that we will have as a foundation, when combined with what I hope/expect to be a sizeable joint Pension Pot and a relatively low and sustainable withdrawal rate that should see us right even through the harshest of winters (metaphorically speaking) this should provide all the income we'll need for a comfortable retirement with a good chance of leaving a fair amount left in the pot for our children at the end, without over complicating our portfolio or expensive management costs. The obvious concern I have is around IHT but even there, I feel like that's a concern to address further down the road once we know we are financially secure and when we know more about the needs of our children as they grow-up and can plan what to do with any excess cash we might have using the rules in place at that time. Sounds simple, but is it too simple?  Can you spot any obvious flaws in this plan or reasons why you think seeking professional advice would make sense that may not have considered? Thank you and keep up the good work! Regards, Aaron 27:42  Question 5 Hi both Love the podcast. I listen regularly and enjoy hearing the banter between the two of you,  as well as providing answers to thought provoking questions. As an additional rate taxpayer in Scotland, my marginal income tax rate is an eye watering 48%. So I get significant benefit from tax relief when topping up my pension. It can cost as little as £33,000 to enjoy a full input of £60,000 once I get money back on my tax return. I have been diligently stuffing my pension as much as I could afford for years now as it was always the prevailing financial advice. I'm now only a couple of years away from retiring at age 55. I am fortunate enough to be now over the old LTA (which is now of no consequence). However the tax free limit is still set at 25% of that old allowance (£268,273?). Given I am now NOT going to benefit from any further tax free money on the way out, I wonder whether continuing to contribute to my pension is a good idea anymore. My choices are either : 1) Pay into the pension and enjoy tax relief of 48% now, allow the fund to accumulate tax free over the coming years, then pay income tax on the way out at 40%. (I expect to be high rate , not additional or basic rate tax payer in retirement) 2) Take the tax hit now on income, don't contribute to pension, put the nett amount into a GIA, and pay 24% CGT on the gain on the way out. I did some numbers and while the pension wins out, it's not by much over a 10 year term assuming 5% growth. But tax rates could change, pension rules could change, and inheritance tax changes are pending. Can you compare the pros and cons of each approach to help me make a decision, or is there a third option to consider? (I hear Roger sometimes suggest a strategy of taking the tax hit now rather than later e.g better the devil you know) I hope this makes sense. Thanks, Martin   33:47  Question 6 I became an avid listener of the podcast during the first lockdown and have learned so much in the past 5 years. I really enjoy it and appreciate all the effort you put into it. My question is with regard to age gap relationships and planning for retirement. I'm 59 and am currently contributing to the NHS Pension Scheme. Part of my pension can be taken at  age 60, without deduction, and I hope to have an income of £16,000 plus a £50,000 lump sum. The rest of my pension I'll be able to take at age 67 and by the age of 63 I hope to have a further pension of £18,000 without a lump sum. In addition to this, from my career before the NHS, I have a SIPP and the current value is £400,000. 63 is the age by which I hope to have stopped working at my current level but it might be sooner. My wife is ten years younger than me and has not been working for most of her adult life. Currently she is paying into a local authority DB scheme but by the time she is 58 her pension entitlement might only be £5,000 per year, but this would need to be discounted by 40%-50% in order to take that income. By the time we are eligible I expect both of us to qualify for the full state pension. We have no other cash savings to speak of and our mortgage is due to be paid off next year, when I will be 60. My question is what advice do you have for couples who face this age gap issue. The plan is that we want to spend our retirement together while I am fit and active (well fit-ish). Once we both have the state pension, with my NHS Pension, we should have an income of £58,000 at todays values, which will be enough for our needs when I am in my late seventies, but might make me a higher rate taxpayer in requirement. Before then, we'd like to spend a bit more and we are planning to use my SIPP and my wife's DB scheme (when she is 58) to fund our pension, until it is replaced by the second NHS Pension and the state pensions. I never realised this would be so complicated to get my head around. When the mortgage is paid off, we'll have some money and should we concentrate in paying it into an ISA so that we can get an additional income without me having to pay higher rate tax, or should we set up a SIPP for my wife so that she can build up a pot of money that she can drawdown on from when she is 58. This would be with the aim of her utilising as much of her annual tax free allowance as possible. I've assumed there is no way that I can transfer part of my SIPP to her before I die. I very much hope that you can help. Best wishes, Steve    

Mercer Senior Partner Christine Mahoney joins host Mike Wallberg, CFA, to unpack key findings from the Mercer CFA Institute Global Pension Index 2025. She explains how 52 retirement income systems are evaluated on adequacy, sustainability, and integrity—and what those measures reveal about the resilience of retirement systems worldwide. The discussion explores government influence on pension investments, the principle of “retirement first,” and the role of policy incentives in balancing national priorities with member outcomes. Listen now to hear what's driving pension reform and innovation globally.    Read the full report: https://rpc.cfainstitute.org/research/reports/2025/mercer-cfa-institute-global-pension-index-2025

In this episode, Christian is joined by WealthBuilders member and wealth coach Toby Spanier, who shares three powerful case studies of commercial properties he purchased using his SSAS pension.Toby reveals how he found and structured each deal, why a SSAS gave him a unique advantage over traditional financing, and how he created both income and tax-free capital growth within his pension.If you've ever wondered how a SSAS can be used to fund commercial property — even when banks won't lend — this episode will give you clear, practical insights to apply on your own wealth-building journey.What You'll Learn in This Episode:How Toby used his SSAS to buy three very different commercial properties.Why being a SSAS cash buyer can unlock discounts and opportunities others miss.How planning permission and smart structuring created significant tax-free uplifts.The differences between buying property inside vs. outside a SSAS.How collaborating with other SSAS investors can make bigger deals possible.Practical lessons to avoid common pitfalls when investing through a pension.Links & Resources Mentioned in This Episode:Learn more about SSAS PensionsBook a call with WealthBuildersJoin the WealthBuilders AcademyConnect with Us:Listen on Spotify, Apple Podcasts, YouTube, and all major platforms.For more inspiring stories and actionable tips, subscribe to Wealth Talk and leave us a review!Next Steps On Your WealthBuilding Journey: Join the WealthBuilders Facebook CommunitySchedule a 1:1 call with one of our teamBecome a member of WealthBuildersIf you have been enjoying listening to WealthTalk - Please Leave Us A Review!If you enjoyed this episode, please rate and review WealthTalk on your favourite podcast platform 

Is pension padding a problem for police and firefighters? // GUEST: Katrina Guischard explains why you have to tell kids 'no' // SCENARIOS!

In this episode we will look at 18 U.S. cities, in various states, that impose no taxes on 401(k) or pension withdrawals — and how choosing one can stretch your retirement dollars further.Today's Stocks & Topics: Perdoceo Education Corporation (PRDO), Calamos US Equity Autocallable Income ETF (CAIE), Market Wrap, Top 18 U.S. Cities That Don't Tax Your 401(k) or Pension, Schneider Electric S.E. (SBGSY), Key Benchmark Numbers: Treasury Yields, Gold, Silver, Oil and Gasoline, A-I Second Order Winners, How to Select a Mutual Fund, Nutrien Ltd. (NTR).Our Sponsors:* Check out Anthropic: https://claude.ai/INVEST* Check out Gusto: https://gusto.com/investtalk* Check out TruDiagnostic and use my code INVEST for a great deal: https://www.trudiagnostic.comAdvertising Inquiries: https://redcircle.com/brands

Joseph Sternberg discusses German Chancellor Friedrich Merz's proposed "autumn of reforms" to revive the stagnant German economy by encouraging private investment, simplifying business processes, and reforming welfare and pension systems. In the UK, Prime Minister Keir Starmer faces severe political issues due to internal Labour Party divisions and voter defections to Nigel Farage's Reform Party. Starmer struggles to persuade voters that his party can address high immigration and culture issues. 1860 BECHTESGADEN

Joseph Sternberg discusses German Chancellor Friedrich Merz's proposed "autumn of reforms" to revive the stagnant German economy by encouraging private investment, simplifying business processes, and reforming welfare and pension systems. In the UK, Prime Minister Keir Starmer faces severe political issues due to internal Labour Party divisions and voter defections to Nigel Farage's Reform Party. Starmer struggles to persuade voters that his party can address high immigration and culture issues. BERCHTESGADEN

How do you turn your savings into a steady paycheck after work ends? Charleston’s retirement coach Brandon Bowen explains the shift from traditional pensions to DIY retirement, sharing strategies for creating protected income and balancing risk. Discover why knowing your monthly number and dialing in the right mix of guarantees and growth is the key to spending confidently and enjoying your next chapter. Like what you hear? Get a second opinion today: bowenwealth.com Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Send Us A Message! Let us know what you think.Topic #1:  NZ Herald 25th of September- First-home buyers' 10-year, $260,000 rent bill to save depositTopic #2: Oneroof.co.nz 24th of September - Tony Alexander: Why rents are falling and what it means for landlords and tenantsTopic #3: RNZ 25th of September - International students join growing number of rough sleepers in Auckland, advocate saysTopic #4: 1News 25th of September - Is it worth fixing your home loan for longer?Topic #5: NZ Adviser 25th of September -GST at 32 percent, pension age of 72 among Treasury solutions to financial crunch#AucklandHomelessness #InternationalStudents #NZFinance #GSTIncrease #PensionAge #RoughSleeping #FinancialNews #RNZUpdate #NewZealandPodcast #EconomicSolutionsSupport the show*Nothing from this episode should be taken as individual financial advice. *Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Referred to as winged rats, pigeons aren't often at the top of many favorite bird lists. They should be. When would you guess the last Civil War pension check went out?  You're probably wrong. What we wear has an impact on how people perceive us. How big an impact?http://www.commutethepodcast.comFollow Commute:Instagram - instagram.com/commutethepodcast/Twitter - @PodcastCommuteFacebook - facebook.com/commutethepodcast

Question Time: Is having a pension worth it? Why has my home insurance doubled? And Martin's Mick Jagger history! Martin explains why pensions offer the biggest savings, why you must pay off credit cards IN FULL, and recounts the time he tried to convince Mick Jagger to finish his finance and accounting degree. Our Q&A podcast choose the issues and Martin provides the answers. Share your questions and tips by emailing martinlewispodcast@bbc.co.uk.

HERO'S Talk Radio with hosts Dave and Laurett Arenz is presented by the Freedom Financial Radio Network. Through their Triple Crown Solution, Dave and Laurett coach clients to achieve financial independence by presenting options that provide safety, liquidity, and a great rate of return for tax-free account accumulation and distribution. As founders of HERO'S Strategies, … 09/27/25 – HERO’S Talk Radio Read More » The post 09/27/25 – HERO’S Talk Radio appeared first on HERO'S Strategies, Inc..

Treasury has warned the retirement age and GST would need to gradually increase over the next 40 years, to solve New Zealand's fiscal challenges. Infometrics chief executive and economist Brad Olsen spoke to Alexa Cook.

Don't let inflation erode your retirement — this video shows you how you can protect your 2025 Federal Pension COLA for income liquidity from day one.By rolling over a portion of your TSP into an IRA before retirement and having liquid funds in place, you can increase the quality of the first few months of retirement without delays in your pension COLA or benefits.

The Department of Veterans Affairs is the second largest government agency. The Secretary of the VA has an operational responsibility to support our Veterans and a moral obligation to ensure that those who defend and protect American interests are returned from service as contributing members of society. To explore what it takes to transform one of America's biggest bureaucracies, Fran Racioppi sat down with the Secretary of the VA, Doug Collins. As a former US and Georgia Congressman, and a Chaplain having served in both the Air Force and Navy, Secretary Collins knows what a Veteran needs and how to navigate Washington to get it done. The Secretary and Fran broke down the pillars of VA support: including the VA Health Care System, the Disability and Pension process, education support programs like the GI Bill and Vocational Rehab, the importance of Veteran-Owned Businesses, and the no down payment VA mortgages. Most importantly the Secretary shared his vision to stop Veteran suicide and why despite spending billions to reduce it over the years, we must forge a path that actually works. Fran has personally leveraged almost every single pillar of support the VA has to offer. And although it hasn't always been perfect, Secretary Collins explains why the VA leads industry in many domains and how under his leadership the VA will be held to a defined standard of excellence. This episode is about bridging the gap between military service and civilian life, the responsibility the VA has in supporting our nation's most important asset, and why Veterans are critical to American strength. Highlights0:00 Introduction1:48 Welcome to the Jedburgh Podcast7:06 Leading the VA11:09 VA Healthcare15:12 Reducing wait times18:20 Partnering with institutions20:20 Addressing Veteran suicide29:45 Disability Benefit Claims Process39:17 Education Benefits43:10 VA Home Loans43:57 VA Reduction in size49:41 Is Veteran Capitalized?Quotes“Everybody's going to have a problem. I'm committed to fixing those problems.” “We're the largest physical department in the government.”“Defense and VA are fraternal twins.”“60% of every time the phone rings at a Congressman's office it's about a VA issue.”“The VA's not gonna be a whipping post for anybody anymore.”“There's some things that the VA does better than private healthcare.”“No other hospital system in the world judges wait time. They judge on quality and how they get it.”“We're the largest trainer of doctors in the country.”“The shorter the service time, the higher the risk for suicide.”“Are we getting them out of the DoD system in a way that we can help them?” “I don't want a day to go by that a Veteran that needs help doesn't feel like they have it.”“If you've just transitioned out, DON'T QUIT.”“The standard is we're going to be excellent.”“I learn every day here and if you quit learning, you're really in trouble.”“If you've been to one VA, you've been to them all. That's the biggest lie that's ever been out there.”“Is the word Veteran capitalized?”The Jedburgh Podcast is brought to you by University of Health & Performance, providing our Veterans world-class education and training as fitness and nutrition entrepreneurs.Follow the Jedburgh Podcast and the Green Beret Foundation on social media. Listen on your favorite podcast platform, read on our website, and watch the full video version on YouTube as we show why America must continue to lead from the front, no matter the challenge.The Jedburgh Podcast and the Jedburgh Media Channel are an official program of The Green Beret Foundation.The opinions presented on The Jedburgh Podcast and the Jedburgh Media Channel are the opinions of my guests and myself. They do not necessarily reflect the opinions of the Green Beret Foundation and the Green Beret Foundation assumes no liability for their accuracy, nor does the Green Beret Foundation endorse any political candidate or any political party.

From vending machines to van life, today's money plans feel unhinged. On this episode, we welcome special guest Orianna Rosa Royle —award-winning journalist and Associate Editor at the Success Desk at Fortune. She helps us break down Germany's “start at age six” pension idea, why Social Security fears are fueling bad choices, and the $32 investing habit that could change your future. Reference Article by Orianna Rosa Royle  As boomers are forced to ‘unretire' because they've not saved enough, 6-year-olds in Germany could soon have retirement accounts Hosts: Matt Sunbulli ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/in/sunbulli/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.firstdraft.vc⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Aaron Calafato ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Listen to Aaron's 7 Minute Stories Podcast ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Leah Ova ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow Leah on TikTok ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Editorial: Brooks Borden Matt Sunbulli Ken Wendt Senior Audio Engineer: Ken Wendt Research: Zaid Safe Matt Sunbulli Aaron Calafato

The drama surrounding the Connecticut Sun and efforts to keep the WNBA team in our state continues. Now there are calls for more oversight when it comes to allocating pension funding as a bargaining chip in our state's offer to keep the team. We talked about this morning with political reporter, Mike Cerulli, from News 8. IMAGE CREDIT: Melissa Sheketoff

Government pension changes are taking place this weekend. More than five million Aussies will benefit from an increase to their income support payment. Likewise, the deeming rate will also change on 20 September.  

Eoin McGee, Financial Planner

(The Center Square) – As Washington state is forecast to run out of money by 2027 despite a historic tax increase during this year's legislative session, that fiscal crisis could be exacerbated several years later if new actuarial assumptions for the pension system don't pan out. During session, state lawmakers enacted Senate Bill 5357, which altered the assumed rate of return for pension investments from 7% to 7.25%. Support this podcast: https://secure.anedot.com/franklin-news-foundation/ce052532-b1e4-41c4-945c-d7ce2f52c38a?source_code=xxxxxx Read more: https://www.thecentersquare.com/washington/article_0db21f8a-6678-451d-aff3-0321864d5d83.html Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

My wife is not returning to teaching this year so we're trying to figure out what to do with the money in her pension plan. Have a money question? Email us ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money LIVE⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Twitter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ "Jill on Money" theme music is by Joel Goodman, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.joelgoodman.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Send me a messageWhen people think about tackling the climate crisis, they often talk about energy, food, or transport. But what about money? In this week's episode of Climate Confident, I sat down with Scott Ryan, founder and CEO of Investature, to unpack one of the biggest blind spots in corporate climate strategies, the financial supply chain.Scott argues that pensions, retirement savings, and even our everyday bank accounts may be the largest single drivers of greenhouse gas emissions for many organisations, often dwarfing their direct operations and traditional Scope 3 supply chains. He explained how most retirement funds are still heavily invested in fossil fuels and high-pollution industries, even though those assets will almost certainly become stranded as the world pushes for net zero.The numbers are staggering. Globally, pensions account for over $100 trillion. Redirecting just 1% of that towards climate solutions would close a third of the climate finance gap, enough to massively accelerate the transition in energy, mobility, agriculture, and adaptation. Yet most companies and individuals remain unaware of the scale of this leverage.We explored why financial supply chains have been overlooked in frameworks like TCFD and GRI, and why leading employers are now beginning to integrate sustainable retirement options into their benefits. Scott also shared practical steps individuals can take, such as shifting to green banks, exploring climate-positive ETFs, or pushing employers to offer sustainable pension plans.This is not just about risk management; it's about turning finance into a genuine engine for climate solutions. If you've ever wondered how your savings could work for or against the planet, this episode will give you a fresh lens on climate action.Podcast supportersI'd like to sincerely thank this podcast's amazing subscribers: Ben Gross Jerry Sweeney Andreas Werner Stephen Carroll Roger Arnold And remember you too can Subscribe to the Podcast - it is really easy and hugely important as it will enable me to continue to create more excellent Climate Confident episodes like this one, as well as give you access to the entire back catalog of Climate Confident episodes.ContactIf you have any comments/suggestions or questions for the podcast - get in touch via direct message on Twitter/LinkedIn. If you liked this show, please don't forget to rate and/or review it. It makes a big difference to help new people discover the show. CreditsMusic credits - Intro by Joseph McDade, and Outro music for this podcast was composed, played, and produced by my daughter Luna Juniper

Merryn Somerset Webb sits down with  Mark Wood, Chairman of Everest Funeral Concierge, Chair of PensionBee, and former CEO off Prudential UK and AXA, to discuss how sweeping pension reforms could transform the way UK earners save and draw down their pensions.Update: We wanted to add clarification to a point made in the show. In the interview, it was suggested that taking your 25% tax-free lump sum at age 55 or later means you’ve “retired” and can no longer put money into your pension with tax relief. It is correct that from the normal minimum pension age (currently 55, rising to 57 in 2028), you can access up to 25% of your pension pot tax-free. The restriction only arises if you also start taking taxable income (for example, via drawdown or as a lump sum payment). At that point, the Money Purchase Annual Allowance (MPAA) rules apply, and your future tax-relievable contributions are capped at £10,000 per year (current rules). However, withdrawing this lump sum alone does not mean you are treated as retired. You can continue to contribute to your pension and receive tax relief on those contributions, subject to the standard annual allowance.Thanks as always to those who wrote in seeking clarification.See omnystudio.com/listener for privacy information.

Jerry is joined by the managing director at Rockwell Financial Management, Robert Whelan. They discuss to Ireland’s long-awaited auto-enrolment pension scheme, "My Future Fund", which will begin on the 1 January 2026. It’s one of the most significant pension reforms in decades. Approximately 800,000 workers will benefit from auto-enrolment, primarily those aged 23 to 60, and earning over €20,000 without an occupational pension. Robert Whelan says pensions will now be a key part of an employer’s offer to employees.

HERO'S Talk Radio with hosts Dave and Laurett Arenz is presented by the Freedom Financial Radio Network. Through their Triple Crown Solution, Dave and Laurett coach clients to achieve financial independence by presenting options that provide safety, liquidity, and a great rate of return for tax-free account accumulation and distribution. As founders of HERO'S Strategies, … 09/20/25 – HERO’S Talk Radio Read More » The post 09/20/25 – HERO’S Talk Radio appeared first on HERO'S Strategies, Inc..

For the precedential ruling handed down by the US Court of Appeals in the Yellow Corp appeal on September 16, 2025 - see the Court's website at https://www2.ca3.uscourts.gov/opinarch/251421p.pdf

We answer listener questions in this episode with guests Saxon Williams and Christopher Ernst. This is part 1 of 3, and it goes all over the place...Outro Music is by The Devil's Pension with My Momma is an Alien.

There's been a noticeable rise in the number of Irish adults without any retirement plan in place. Recent research from the Competition and Consumer Protection Commission (CCPC) shows that one in four people are unprepared for retirement…So, what's going on? Do people simply not care about their financial future? Or has the rising cost of living made it nearly impossible to put money aside?Andrea is joined by listeners to discuss.

Auto-enrolment is a new pension savings scheme for certain employees who are not paying into a pension. They will be automatically included in the scheme but can opt out after 6 months. The introduction of the auto-enrolment retirement savings scheme, called my future fund, will start from 1 January 2026. To explain all the details and to answer listeners queries was Keith Dundon, Head of financial services at SYS Financial.

Au cœur de la nuit, les auditeurs se livrent en toute liberté aux oreilles attentives et bienveillantes de Valérie Darmon. Pas de jugements ni de tabous, une conversation franche, mais aussi des réponses aux questions que les auditeurs se posent. Un moment d'échange et de partage propice à la confidence pour repartir le cœur plus léger.Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

This week, Liz Ann Sonders and Kathy Jones discuss the recent downward revision in job market statistics, the implications for the economy, and the likelihood of a rate cut next week. They analyze the broader economic context of the job revisions, the importance of indicators like the Producer Price Index, and the impact of global market volatility. Then, Steven Meier joins the show. He is the Deputy Comptroller and Chief Investment Officer for the New York City retirement systems. Liz Ann and Kathy discuss his role, the importance of education for retirement plan participants and trustees, the convergence of public and private markets, and the challenges of inflation and liquidity management. Meier shares his thoughts on particular investment strategies, mainly in private equity and fixed income, while also addressing the current state of the public markets and the impact of AI on future investments. The discussion highlights the complexities of asset allocation and the importance of understanding market dynamics.Finally, Kathy and Liz Ann discuss which key economic data to watch in the coming weeks.On Investing is an original podcast from Charles Schwab. For more on the show, visit schwab.com/OnInvesting. If you enjoy the show, please leave a rating or review on Apple Podcasts.Important DisclosuresThis material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.Past performance is no guarantee of future results.Investing involves risk, including loss of principal. Performance may be affected by risks associated with non-diversification, including investments in specific countries or sectors. Additional risks may also include, but are not limited to, investments in foreign securities, especially emerging markets, real estate investment trusts (REITs), fixed income, municipal securities including state specific municipal securities, small capitalization securities and commodities. Each individual investor should consider these risks carefully before investing in a particular security or strategy.The comments, views, and opinions expressed in the presentation are those of the speakers and do not necessarily represent the views of Charles Schwab. All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Currency trading is speculative, very volatile and not suitable for all investors.Treasury Inflation Protected Securities (TIPS) are inflation-linked securities issued by the US Government whose principal value is adjusted periodically in accordance with the rise and fall in the inflation rate. Thus, the dividend amount payable is also impacted by variations in the inflation rate, as it is based upon the principal value of the bond. It may fluctuate up or down. Repayment at maturity is guaranteed by the US Government and may be adjusted for inflation to become the greater of the original face amount at issuance or that face amount plus an adjustment for inflation. Treasury Inflation-Protected Securities are guaranteed by the US Government, but inflation-protected bond funds do not provide such a guarantee.Diversification and asset allocation do not ensure a profit and do not protect against losses in declining markets.Forecasts contained herein are for illustrative purposes only, may be based upon proprietary research and are developed through analysis of historical public data.The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.(0925-CPRL)

What if the most powerful thing a CEO can do… is show up?That's exactly what John Bowman is doing. As the new CEO of CAIA, he's not sitting behind a desk or delegating from an ivory tower. He's on a plane, in person, listening to the very people his organization serves.In this episode, Stacy sits down with John to talk about the underrated power of founder-led sales (even when you're leading a global organization), the ROI of empathy, and why success in finance is less about numbers and more about people than you think. They dig into:John's backstory: The leadership lesson he learned after getting laid off at 29 with three kidsWhy walking the “listening tour” isn't just smart, it's essentialHow storytelling shaped his career in this number-obsessed industry What CAIA's member-first strategy can teach every founder and fund managerWhy he believes rejection is almost always redirection that's either protecting you or leading you to where you're meant to be More About John:John was appointed CEO for the CAIA Association in January 2025. He has devoted over 25 years to the asset management industry to recover the narrative of the value that the investment profession brings to society. He is a staunch public advocate for market integrity, long-termism, investor outcomes, diversity, human dignity and educational standards, as necessary ingredients to building a sustainable and healthy profession. John previously served as Managing Director for the Americas for CFA Institute, a region comprised of 40+ countries from Canada, the U.S., Central America, South America and the Caribbean. Before that, John was a portfolio manager for non-US equity strategies at both Boston Company and SSgA for several years. John is a prolific, speaker,writer and commentator, frequently keynoting industry conferences and appearing in investment and business publications such as the Wall Street Journal, The New York Times, Pension and Investments, Financial Advisor, The Independent, Wealthmanagement.com and CNBC. Bowman earned a BS in Business Administration from Mary Washington College and is a CFA charterholder. Books Mentioned in This Episode:The Advantage – Patrick Lencioni | https://a.co/d/2msVUSwThe 6 Types of Working Genius — Patrick M. Lencioni | https://a.co/d/15S3sKWTribes: We Need You to Lead Us — Seth Godin | https://a.co/d/ajf88KPWant More Help With Storytelling? +  Subscribe to my newsletter to get a weekly email that helps you use your words to power your growth:https://www.stacyhavener.com/subscribe  - - -Make The Boutique Investment Collective part of your Billion Dollar Backstory. Gain access to invaluable resources, expert coaches, and a supportive community of other boutique founders, fund managers, and investment pros. Join Havener Capital's exclusive membership. ---Running a fund is hard enough.Ops shouldn't be.Meet the team that makes it easier. | billiondollarbackstory.com/ultimus

Faith for the Coming Wilderness (3) (audio) David Eells – 9/10/25   I am sharing this encouragement now because the wilderness is at our door. I believe a plague is planned and it will be partially prayed down because of Father's mercy and grace. I believe the same thing about the quakes across the country, including the New Madrid, that are to distract from criminal activity. Also the economy will collapse due to these and other criminal reasons and the chastening of God on this nation and the world. So lets Begin Buying and selling is not the way of the Kingdom. I know most ministries today do that, but we have a different economy in the Kingdom. Why did God rebuke them in the days of Noah and the days of Lot for buying and selling? (Luk.17:26) And as it came to pass in the days of Noah, even so shall it be also in the days of the Son of man. (27) They ate, they drank, they married, they were given in marriage, until the day that Noah entered into the ark, and the flood came, and destroyed them all. (28) Likewise even as it came to pass in the days of Lot; they ate, they drank, they bought, they sold, they planted, they builded; (29) but in the day that Lot went out from Sodom it rained fire and brimstone from heaven, and destroyed them all: (30) after the same manner shall it be in the day that the Son of man is revealed. They bought, they sold, they married, they gave in marriage; what was wrong with buying and selling? Buying and selling is not the Kingdom way between brethren especially. The Kingdom is giving and receiving. You get a reward for giving; you get none for selling and borrowing. The Bible specifically says you get a reward for giving, and the interest is much better. The interest is “good measure, pressed down, shaken together and running over.” I've tried God on this and it works. He is faithful — consistently faithful. He is our surety. I learned that you just give, you meet the needs of the brethren around you, and don't worry about what you have left because God is never going to fail you. Never. From the time the Lord showed me about faith and how He forbade debt to His people, I haven't stored up or borrowed any money, and the Lord has never failed to make sure we had a good car, a good house, and all our needs met. The world says that you have to store up the money until you have enough, but you don't, because God can bring it in a lump sum. He did it for us many times. When we moved to Pensacola, He gave us our house, and He bought us a brand new car. They didn't cost us anything. Life in the wilderness is exciting. There's nothing for us to fear. It's only fearful to somebody who's not a believer, but don't worry about that. The non-believers aren't going out in that wilderness or, at least, they are not going to go very far out into it willingly. They're going to take the mark of the Beast because they don't believe they can live out there. But it's not a fearful place; it's a very joyous place where you feel the closeness of your Father. You know that He is taking care of you and He's watching over everything. I remember one time that was just amazing. It was really something. My youngest daughter was a little angry because her two brothers went camping and they took all the chips with them. She was chewing on my wife's ear in the washroom, and my wife just finally told her, “Well, you go pray to God and get your own.” And as my daughter was walking out of the washroom into the den, there came a knock on the door and she shouted, “It's here! It's here! It's here already!” That's childlike faith. She had taken only four or five steps away from the washroom into the den, and when she heard the knock on the door, she immediately claimed, “It's here already!” And my wife grabbed her and told her, “Shush!” Well, when we answered the door, it was our neighbor who lived behind us, who also came to our Bible study. He and his family always liked my wife's cornbread, so she had made a pan of cornbread for him to take home to his family. Here he came back the next day with the pan and it was all wrapped in foil. He handed it to my wife, and when she peeled back the foil, the pan was filled with a bag of chips! I want you to know he started walking from two blocks behind us, yet he arrived at our door moments after my daughter had prayed her prayer, and it wasn't a big miracle to my little girl with her childlike faith, who was just tickled. You see, God really does answer before we call. He doesn't dwell in time; He's not limited to time. You can ask God for something tomorrow, that if you only knew about it today, you would think it's impossible, but He does it. He hears it all and from the beginning of time, He's seen it all. God wants to do these things for us. He designed the wilderness so that He can meet our needs and build our faith. (2Co.12:9) And he hath said unto me, My grace is sufficient for thee: for [my] power is made perfect in weakness. Most gladly therefore will I rather glory in my weaknesses, that the power of Christ may rest upon me. He says, “My power is made perfect in weakness.” Glory to God! The wilderness is a place of faith and weakness, which is available to everyone. It's a place where we live by faith and living by faith makes us weak to be our own saviors. In other words, it's a salvation by faith in the Lord, not our works. (Heb.10:31) But my righteous one shall live by faith: And if he shrink back, my soul hath no pleasure in him. When we learn to walk by faith, we are walking in the wilderness because our methods change from those of the world to those of God and Jesus Christ. Years ago, when the Lord started leading me in the wilderness, for months He caused my Bible to open supernaturally to Isaiah 43. He was emphasizing His point about not walking in the ways of the world, so let's look at what the Lord says there. (Isa.43:14) Thus saith the Lord, your Redeemer, the Holy One of Israel: For your sake I have sent to Babylon, and I will bring down all of them as fugitives, even the Chaldeans, in the ships of their rejoicing. This was a time when God was promising deliverance to His people, who were in bondage in Babylon, and that's where God's people are today. They have allegiances with the world because the world is one form of Babylon. All nations came from Babel, and their Babylonish religion of the counterfeit virgin birth, Semiramis, Nimrod, so on and so forth, was spread all over the earth. And so God's people are very much in bondage to both secular Babylon and religious Babylon, but God is calling us out of their ways, their methods, their unbelief. What is acceptable to the world is not acceptable to God. (15) I am the Lord, your Holy One, the Creator of Israel, your King. (16) Thus saith the Lord, who maketh a way in the sea, and a path in the mighty waters. God seems to be confusing the Egyptian deliverance with the Babylonian deliverance here, but they are the same in type. God's going to make a way in the sea. When the Israelites passed through the Red Sea, Paul said it was a baptism. (1Co.10:1) For I would not, brethren, have you ignorant, that our fathers were all under the cloud, and all passed through the sea; (2) and were all baptized unto Moses in the cloud and in the sea. A baptism is for the death of the old man and the life of the new man. (Rom.6:3) Or are ye ignorant that all we who were baptized into Christ Jesus were baptized into his death? (4) We were buried therefore with him through baptism unto death: that like as Christ was raised from the dead through the glory of the Father, so we also might walk in newness of life. (5) For if we have become united with [him] in the likeness of his death, we shall be also [in the likeness] of his resurrection; (6) knowing this, that our old man was crucified with [him,] that the body of sin might be done away, that so we should no longer be in bondage to sin; (7) for he that hath died is justified from sin. God made a path through the waters for the spiritual man, the Israelite; He didn't make a path for the carnal man, the Egyptian. (Isa.43:16) Thus saith the Lord, who maketh a way in the sea, and a path in the mighty waters; (17) who bringeth forth the chariot and horse, the army and the mighty man (they lie down together, they shall not rise; they are extinct, they are quenched as a wick). The Egyptian represented the old man, the mighty man of the flesh, who was not to follow Israel into their wilderness, because Israel was not to live in bondage to the old man in the wilderness. In the wilderness, they weren't to do things according to the methods of Egypt. This is a type and shadow for us in our wilderness. We are not to be ruled by the old man; we are not to walk according to his principles or use his methods. What does God mean when He says that He brought down the chariot and the horse? (Psa.147:10) He delighteth not in the strength of the horse: He taketh no pleasure in the legs of a man. (11) The Lord taketh pleasure in them that fear him, In those that hope in his lovingkindness. We see here that He likens the “strength of the horse” to the “legs of a man,” meaning, God doesn't want us to trust in the strength of the old man, who belongs to the Beast. A chariot is a vessel that's powered by a beast. The old man, living the old beastly life that was led by the Beast, had to die in the Red Sea so that the Israelite could go into the wilderness. And the wilderness is where the Israelite learns not to lean on the arm of the flesh, but to trust in God alone. (Isa.43:18) Remember ye not the former things, neither consider the things of old. When you come into Christ, you give up thinking of things the way you did when you were in the world, because God is going to do everything differently from the way you did things when you were in the world. The Church doesn't do that. The Church is living in the world and is of the world. It's very Babylonish because they haven't escaped Babylon yet, but the wilderness is coming quickly now to mature those who will believe. (Rev.12:1) And a great sign was seen in heaven: a woman arrayed with the sun, and the moon under her feet, and upon her head a crown of twelve stars; (2) and she was with child; and she crieth out, travailing in birth, and in pain to be delivered. (3) And there was seen another sign in heaven: and behold, a great red dragon, having seven heads and ten horns, and upon his heads seven diadems. (4) And his tail draweth the third part of the stars of heaven, and did cast them to the earth: and the dragon standeth before the woman that is about to be delivered, that when she is delivered he may devour her child. (5) And she was delivered of a son, a man child, who is to rule all the nations with a rod of iron: and her child was caught up unto God, and unto his throne. (6) And the woman fled into the wilderness, where she hath a place prepared of God, that there they (The Man-child) may nourish her a thousand two hundred and threescore days. The wilderness is the place that God has prepared for the Church. The very worldly Church has been living in Egypt and is in bondage to the old man, the Egyptian. (Isa.43:19) Behold, I will do a new thing (It's new because now that you are a Christian, you are expected to live according to God's principles and to walk by faith. The righteous shall live by faith.); now shall it spring forth; shall ye not know it? (I'm afraid to say that's true. An awful lot of Christians don't know it but truth is going to pour out so they will have a chance.) I will even make a way in the wilderness, and rivers in the desert. Wow! That's awesome! God even brought rivers out of rocks in the desert (Exo.17:6; Num.20:11; Psa.78:20; etc.). You see, His provision for us is not limited by our circumstances. We can put our faith in Him. (Psa.37:19) They shall not be put to shame in the time of evil; And in the days of famine they shall be satisfied. (Rom.10:11) For the scripture saith, Whosoever believeth on him shall not be put to shame. (Isa.43:20) The beasts of the field shall honor me, the jackals and the ostriches; because I give waters in the wilderness, and rivers in the desert, to give drink to my people, my chosen. The “beasts” represent those lost people around us. It was Solomon who said every man is as a beast. (Ecc.3:18) I said in my heart, [It is] because of the sons of men, that God may prove them, and that they may see that they themselves are [but as] beasts. And remember the beasts that came down on the sheet in Peter's vision? (Act.10:9) Now on the morrow, as they were on their journey, and drew nigh unto the city, Peter went up upon the housetop to pray, about the sixth hour: (10) and he became hungry, and desired to eat: but while they made ready, he fell into a trance; (11) and he beholdeth the heaven opened, and a certain vessel descending, as it were a great sheet, let down by four corners upon the earth: (12) wherein were all manner of fourfooted beasts and creeping things of the earth and birds of the heaven. (13) And there came a voice to him, Rise, Peter; kill and eat. (14) But Peter said, Not so, Lord; for I have never eaten anything that is common and unclean. (15) And a voice came unto him again the second time, What God hath cleansed, make not thou common. (16) And this was done thrice: and straightway the vessel was received up into heaven. When Peter finally understood the revelation that these unclean beasts were the Gentiles, he went and preached the Gospel to them. (28) And he said unto them, Ye yourselves know how it is an unlawful thing for a man that is a Jew to join himself or come unto one of another nation; and [yet] unto me hath God showed that I should not call any man common or unclean.... (35) but in every nation he that feareth him, and worketh righteousness, is acceptable to him. So the “beasts of the field” there in Isaiah is talking about lost people, and the “field,” according to Jesus, is the world. (Mat.13:36) Then he left the multitudes, and went into the house: and his disciples came unto him, saying, Explain unto us the parable of the tares of the field. (37) And he answered and said, He that soweth the good seed is the Son of man; (38) and the field is the world; and the good seed, these are the sons of the kingdom; and the tares are the sons of the evil one. You know, the world trembled at God's people when they came out of Egypt. Remember what Rahab said about how they heard the stories of God's miraculous deliverance of Israel out of Egypt and the Red Sea destruction of their enemies? (Jos.2:10) For we have heard how the Lord dried up the water of the Red Sea before you, when ye came out of Egypt; and what ye did unto the two kings of the Amorites, that were beyond the Jordan, unto Sihon and to Og, whom ye utterly destroyed. (11) And as soon as we had heard it, our hearts did melt, neither did there remain any more spirit in any man, because of you: for the Lord your God, he is God in heaven above, and on earth beneath. They trembled before them and when God's people become those people who live by faith in the wilderness, the world is going to tremble at them, too. They are going to understand that these people have the favor of God. They are His chosen. (Isa.43:20) The beasts of the field shall honor me, the jackals and the ostriches; because I give waters in the wilderness, and rivers in the desert, to give drink to my people, my chosen, (21) the people which I formed for myself, that they might set forth my praise. When the Israelites went into the wilderness, God didn't want them to continue living as if they were still Egyptians, so He had to put to death the Egyptians and their beasts. (Jer.17:5) Thus saith the Lord: Cursed is the man that trusteth in man, and maketh flesh his arm, and whose heart departeth from the Lord. This is just another way of describing those people who believe in salvation by man's works, by man's methods, instead of waiting on the salvation of the Lord, which is freely given. “Cursed is the man that trusteth in man.” That's where a lot of Egyptian Israelites are. A lot of God's people, who call themselves “Christians,” actually have more affinity with Egypt in the world than they do with God in the wilderness, but God's going to put a stop to that. He's going to give “drink” to His chosen, not just His called, but His chosen. Many are going to die in the wilderness to come, but some are going to be Joshuas and Calebs. (Jer.17:5) Thus saith the Lord: Cursed is the man that trusteth in man, and maketh flesh his arm, and whose heart departeth from the Lord. (6) For he shall be like the heath (“tumbleweed”) in the desert, and shall not see when good cometh, but shall inhabit the parched places in the wilderness, a salt land and not inhabited. Many people don't get to see the wonderful provision of God in a place where man cannot provide it because they trust in the arm of the flesh. They are like “a tumbleweed in the desert.” (7) Blessed is the man that trusteth in the Lord, and whose trust the Lord is. (8) For he shall be as a tree planted by the waters, that spreadeth out its roots by the river, and shall not fear when heat cometh, but its leaf shall be green (This is somebody who continues to take in the sun/Son, somebody who continues to walk by faith.); and shall not be careful in the year of drought, neither shall cease from yielding fruit. Those who walk by faith can go through a wilderness and have streams of water in the desert; they will have God's provision in the desert because they don't trust the arm of the flesh. (Jer.17:21) Thus saith the Lord, Take heed to yourselves, and bear no burden on the sabbath day, nor bring it in by the gates of Jerusalem; (22) neither carry forth a burden out of your houses on the sabbath day, neither do ye any work: but hallow ye the sabbath day, as I commanded your fathers. The Sabbath day is the seventh day, and we've just entered into God's Sabbath. We've just entered into the seventh day of the seven thousand years. It's the day in which we have to cease from our works, and we are to do God's works. And since Jesus Christ is God's Sabbath, whenever you've entered into Jesus Christ, you're supposed to cease from your works. We just saw that the Lord spoke a curse upon the people who continued to do their works on His Sabbath, whether it be the works of the Law, works of the flesh, or works of self-justification. God wants to be our only Savior. We have to give up trying to save ourselves; we need to be weak. We cannot be in bondage to the Egyptian in the wilderness. Well, about 50 years ago, and almost six or seven years before it actually came to pass, God started giving me, my wife, my children and even the people around me, dreams, visions and prophecies concerning a ministry that we were to have in Pensacola. Let me just share a few of them with you. A friend dreamed he had gone away from us for a few years. In the dream, he came back into our neighborhood and ran into our neighbor next door, who pointed him over toward our house. He looked over there and saw we were loading up a U-Haul to move to Florida. Then he came over and helped us load up the van. Now, in real life, we hadn't seen him in a couple of years, but suddenly he showed up at our neighbor's house. And our neighbor said to him, “ look over there!” And he looked over at our house and, sure enough, we had a U-Haul truck backed up to the door, and we were loading it up. He was overjoyed that he'd had a very literal dream that came precisely true, and he very happily came over and helped us. Another thing he saw in the dream was that I had some papers, and on those papers was a word that he couldn't remember, but he said it started with a “P.” I said to him, “Pension,” and he said, “Yes! That's the word!” Now, I had been telling people for years that Exxon, where I worked, was going to offer me an early pension. Everybody told me I was crazy, up until the time it happened, which was when he showed up. Although the pension wasn't much and I was still a young man and didn't start drawing it until I reached 65, I received a year's severance pay when I left, and it was handy to help us move. This was all gone in less than a year because we gave to every need we saw. Another time, my wife had a dream that we were moving to Florida and that there was just one solid road to Florida. This was really strange because at the time she had this dream, the interstate was still broken in many places between Pensacola and where we lived in Baton Rouge, but we knew from the dream that when we moved, the interstate would be finished. Everybody along the Gulf Coast had been waiting for years for that interstate to be finished. People were wondering, “What are they doing? Why are they dragging their feet? Why don't they go ahead and finish that thing?” Well, the interstate was finished just before we moved to Pensacola. In another dream, my wife saw us walking through a house in Pensacola, and she was holding a baby girl on her hip. But before that dream, as my wife was waking up one day, she had a dream in which she saw a big boy and a little girl. And the Lord said to her, “Justin Joseph and Jennifer Joy”; all the names started with “J.” We thought we were going to have twins, until Justin Joseph was born. I told my wife, “No, it was a big boy because the boy came first, then the little girl because the little girl comes last.” So when Jennifer Joy was born, we knew it was getting close to the time we were to be moving to Pensacola. Somehow, we knew it was going to happen. And my wife came to me and she said, “Well, David it's almost time. Do you think we ought to be saving our money?” I said, “No, I don't. I think we are going to continue to do what the Bible tells us to do and not store up on earth but, instead, keep giving.” There are awesome promises in the Bible for giving! (Luk.6:38) Give, and it shall be given unto you; good measure, pressed down, shaken together, running over, shall they give into your bosom. For with what measure ye mete it shall be measured to you again. We didn't have any money, and we definitely needed that kind of blessing to move over to Pensacola and buy a house and not be in debt because we didn't believe in being in debt. I haven't been in debt since I came to the Lord, and the Lord showed me that it wasn't right to be in debt. So by not going into debt, I got to see miracles. Also, over the last 55 years has taught me that God will do miracles for people who put their trust in Him and obey their conscience. It says in (Rom.13:8) Owe no man anything, save to love one another: for he that loveth his neighbor hath fulfilled the law. (Pro.22:7) The rich ruleth over the poor; And the borrower is servant to the lender. (Deu.15:6) For the Lord thy God will bless thee, as he promised thee: and thou shalt lend unto many nations, but thou shalt not borrow; and thou shalt rule over many nations, but they shall not rule over thee. I stayed away from debt because God had made me those promises, but later on, the thought came to me to ask, “Well, Lord, do You want me to sell my house?” The Lord answered, “No, I want you to give the house away.” I tell you, this is how we get miraculous provision from God! Give! It's not by storing up that you get miraculous provision; it's by giving that you get miraculous provision because God will multiply it to you many times over. There's no multiplication in just storing up, but if you give to the needs that God points out around you, God will give to you freely, as you give freely to others. Anyway, God told me we were going to give the house to a couple whom we knew from years back. Since we hadn't had any fellowship with them in a while and didn't even know where they were, we did a little research and found out that they lived in Houston. At the time, there was a big oil bust over there, and when I called this couple, I found out they'd had a company house and a company car but had lost them both when the oil business went flat. They just had their little car they owned, and basically no place to go and no job, so you see, God had prepared a place for them to live. When I contacted them, they told me their situation. I said, “Hey, you come live with us and we'll see how the Lord works this out,” because the Lord had already told me that I was to give our house to them. So that's what they did; they came and moved in with us. And one day, when we were taking them out to eat, the Lord reminded me of a dream this sister had years before. In the dream, she said she'd been away from this area for a long time, and when she came back, there was somebody else living in our house. At the time, I had thought it was just some people they didn't know living in our house, but suddenly it came into my mind that she did know who those people were. So as we were driving along down the road, I asked, “Remember that dream you had years ago about coming back to town and somebody else was living in our house?” She said, “Yes.” I said, “That was you, wasn't it?” And she looked at me and said, “Yes.” She didn't want to make a self-fulfilled prophecy, which is why she didn't tell me up front, and I understood that. I understand that's the way of faith. I said, “Well, okay, then the house is yours.” Of course, they both looked at me in surprise, but I told them, “I mean it: the house is yours. The Lord told me to give it to you.” Here, this couple was out of everything, wondering where in the world they were going to live, and God had prepared a place for them. They were a couple of faith, too; they had real faith in the Lord. It's just awesome how God provided for them and for us. I was still working for Exxon at the time, and we had a fantastic church out there, with people from all different religions, who were coming together at the lunch break to share the Word and to pray for the sick. We had all kinds of miracles and wondrous things happen, too. Praise the Lord! Well, as it was getting time for us to move to Pensacola, Exxon did offer early retirement to company people, exactly as I'd been telling all my friends there for six or seven years. And I already knew I was going to take it because God had prepared me. People came to me and said, “Wow, you told us this was going to happen,” and I said, “Yes, because the Lord told me!” Also, there was my brothers dream about the pension, so it was a good witness, especially to the pagans around me, because I told them it was coming, and it did come. Exxon wanted to switch over to contract labor instead of company employees, which were more expensive to them because of benefits and administrative costs. Anyway, They sent me a year's severance in a lump-sum payment, and at the same time, I agreed with our assembly there that God was going to give me a house and give me a car, since I hadn't saved any money. You see, my car was getting to the point where we needed another one in Florida. I agreed in faith that God would do this, according to (Mat.18:19) Again I say unto you, that if two of you shall agree on earth as touching anything that they shall ask, it shall be done for them of my Father who is in heaven. I knew these people weren't in any position to provide that for me, and I wouldn't have accepted it from them anyway; that's why I agreed with them. You don't agree with people as a matter of graft. You don't agree with people forcing them to have pity on you and give to you. I didn't accept any money from anybody there. One week after we agreed on that, my wife was driving down Florida Boulevard in Baton Rouge, and the vehicle in front of her was a big Cadillac. And my wife and my daughter were in our Toyota. So the Cadillac was coming to a stop behind some other cars, and my wife was coming to a stop. Now this was at Christmas time, and the man behind her was in a big Lincoln, who evidently was window shopping. He didn't see them, and he slammed into my wife and slammed her into the Cadillac in front. Well, if you put a Toyota between a Cadillac and a Lincoln, you know you're not going to have much of a Toyota left. My wife and daughter were slightly injured, nothing that the Lord couldn't take care of, but they actually had to use the jaws-of-life to pry the car open and get them out because the Toyota was just totally crumpled. The man who was driving behind her in the Lincoln ran up alongside my wife in the car, and he told her through the window, “Listen, don't worry about a thing. I'm going to take care of everything.” It turned out that this man was the president of a big warehouse corporation in Baton Rouge, and his corporation was self-insured; they made that much money, and the insurance he was carrying on his vehicle was way above the norm. The man was very repentant, and I don't even think he was a Christian, but he was very, very sorry for what he had done. He contacted us and said, “Look, we're self-insured; there's nothing to worry about. I'll talk to the people. You will be taken care of.” Can you even imagine having somebody like that running into you only a week after you have agreed on enough money to buy a house and car? They very quickly replaced our Toyota with a better, newer one, and they put the wheels in motion to give us a lump sum to take care of my wife and daughter for any pain and suffering they went through. It was just astounding! Now, we didn't sue anybody, and we weren't planning on suing anybody; we don't believe in doing such things. We believe in turning the other cheek and resisting not the evil, as Jesus tells us to do. (Mat.5:38) Ye have heard that it was said, An eye for an eye, and a tooth for a tooth: (39) but I say unto you, resist not him that is evil: but whosoever smiteth thee on thy right cheek, turn to him the other also. (40) And if any man would go to law with thee, and take away thy coat, let him have thy cloak also. (41) And whosoever shall compel thee to go one mile, go with him two. (42) Give to him that asketh thee, and from him that would borrow of thee turn not thou away. (43) Ye have heard that it was said, Thou shalt love thy neighbor, and hate thine enemy: (44) but I say unto you, love your enemies, and pray for them that persecute you; (45) that ye may be sons of your Father who is in heaven: for he maketh his sun to rise on the evil and the good, and sendeth rain on the just and the unjust. Anyway, the money came in from the accident at the exact same time that the year's severance pay came in from Exxon. It was as if God had planned the whole thing, which, of course, He had. He had planned the whole thing for us! So we paid cash for our house and new car. Then we were in our wilderness and saw many wonderous things from our God who gives grace through faith.

Send us a textWhy mess around trying to save 50p off a coffee, when you could transfer an ISA or Pension to another provider and receive a hefty bonus? In this episode, Alvar walks us through why product transfers are an important step towards securing FI. *You must do your own research when it comes to pension transfers*. Stan Storehttps://stan.store/joshuaowenmillsIf the link isn't live, please contact me for a copy.Contact Meinfo@joshuaphilip.co.ukwww.joshuaphilip.co.ukReferral Codeshttps://joshuaphilip.co.uk/links/

Mit 61 Jahren wären viele schon in Pension. Christine Dornaus wollte es aber noch einmal wissen und bewarb sich für die Geschäftsführung der BIG, der Bundesimmobiliengesellschaft mit einem Vermögen von 18 Milliarden Euro. "Ich habe mich nicht mit dem Kaffeehäferl die anderen in der Abteilung besuchen und bei einem Plausch von der Arbeit abhalten sehen", sagt sie im STANDARD-Interview. Ihre Karriere hat Dornaus Einblicke ins Bankenwesen bis in die Versicherungsbranche beschert. Sie arbeitete in Brasilien und erlebte hautnah mit, wie eine Hyperinflation sich aufs Leben der Menschen auswirkt. Am Ende war es aber die Arbeit mit Immobilien, die sie am meisten faszinierte. Was sagt sie zur Krise der Immobilienbranche? Wo sieht sie einen Ausweg aus der Wirtschaftsflaute? Was hat sie in ihrer Zeit in Brasilien gelernt? Und wie hat sie sich in einer Männerdomäne durchgesetzt?

For years, the Windfall Elimination Provision and Government Pension Offset reduced benefits for those who had rightfully earned them. Now that those policies are gone, many are left with questions. Eddie Holland joins us to help clarify what's changed and what it means for your retirement.Eddie Holland is a Senior Private Wealth Advisor and partner of Blue Trust in Greenville, South Carolina. He's also a CPA, a Certified Financial Planner (CFP®), and a Certified Kingdom Advisor (CKA®).A Quick History of WEP and GPOThe Windfall Elimination Provision (WEP), enacted over 40 years ago, reduces Social Security benefits for individuals receiving a non-covered pension—a pension from which no Social Security taxes were withheld. This often included employees in state and local government jobs, such as teachers, police officers, and firefighters.Similarly, the Government Pension Offset (GPO) reduced a spousal or survivor benefit for individuals in the same situation. These rules were designed to prevent “double-dipping,” but they often unfairly penalized modest-income workers, sometimes reducing their monthly Social Security checks by hundreds of dollars—or even eliminating their spousal or survivor benefits entirely.The Social Security Fairness Act of 2025That changed on January 5, 2025, when President Joe Biden signed the Social Security Fairness Act. This legislation repealed both WEP and GPO, effective retroactively as of January 2024. As a result:Nearly 3 million Americans became eligible for retroactive benefits.Future monthly benefits for those affected have also been adjusted upward.This marks a significant win for many retired public servants who had long felt the weight of these provisions.What to Expect if You're AffectedThere are two phases of payments:Retroactive Payments – Starting in March 2025, some individuals received large one-time deposits representing the benefits they should have received since January 2024. These payments often arrived with little to no explanation, leaving many confused. Adjusted Monthly Benefits – Beginning in April 2025, Social Security began increasing ongoing monthly benefits for those impacted.It's important to note that these changes only apply to individuals with a non-covered pension, not all civil service employees.Steps to Take if You Think You QualifyIf you believe these changes may apply to you, Eddie recommends two simple steps:Check Your Account Online. Visit SSA.gov to log in to your account (or create one if you haven't already). Contact the Social Security Administration. If your account doesn't show any updates or you have questions, call 1-800-772-1213 or schedule an appointment at your local SSA office to speak directly with an agent.If navigating these changes feels overwhelming, consider consulting a Certified Kingdom Advisor (CKA) who specializes in matters related to Social Security, who can help you make informed, faith-based financial decisions. You can find one in your area by visiting FaithFi.com and clicking “Find a Professional”. On Today's Program, Rob Answers Listener Questions:I'm 60 years old and planning to retire early at 62. I'd also like to pay off my house before I retire. Is that a smart move, and is it realistic given my current financial situation?I understand that retiring before my full retirement age will result in a reduction of approximately 8% per year in my Social Security benefit. How do Social Security cost-of-living adjustments factor into that reduction?My grandson wants to be added as an authorized user on my credit card to take advantage of my good credit score so he can get a lower interest rate on a car loan. Is that a wise decision?At what age am I required to start taking distributions from my 401(k)? Also, I have two family members—one with dementia and another recovering from a stroke. How can we protect their assets, such as their house and 401(k), if they need long-term care?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Social Security Administration (SSA.gov)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

What if you’re more ready to retire than you think? In this episode, Damon Roberts and Matt Deaton share real stories of clients who discovered they could retire earlier—once they had a plan. From reducing stress and blood pressure to reclaiming freedom, they explore how financial planning transforms lives. Learn how to mimic your paycheck in retirement, maximize income streams, and why both spouses should be part of the conversation. Plus, hear what sets their approach apart from big-box firms. For more information or to schedule a consultation, call 480-680-6868 or visit www.successinthenewretirement.com! Follow us on social media: Facebook | LinkedInSee omnystudio.com/listener for privacy information.

US President Donald Trump said he was firing Federal Reserve governor Lisa Cook, shares in Ørsted plunged after the Trump administration halted one of the Danish wind farm developer's almost-completed projects, and Elon Musk's xAI has sued Apple and OpenAI alleging they broke antitrust rules. Plus, Germany's government is encouraging young people to invest in the stock market rather than rely on the country's flailing pension programme. Mentioned in this podcast:Trump says he is firing Fed governor Lisa Cook ‘effective immediately'Musk's xAI sues Apple and OpenAI over ChatGPT and iPhone integrationGermany's pensions crisis: can €10 a month change how people invest?Ørsted shares plunge to record low after US government halts projectToday's FT News Briefing was produced by Sonja Hutson and Marc Filippino. Additional help from Blake Maples and Gavin Kallmann. The FT's acting co-head of audio is Topher Forhecz. The show's theme music is by Metaphor Music. Read a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.

Stephen Grootes speaks to Sikonathi Mantshantsha, Journalist at News24 Investigations, about the suspension of GPAA CEO Kedibone Madiehe amid allegations of procurement misconduct and the appointment of Job Stadi Mngomezulu as acting CEO to ensure continuity and stability in the administration of government pensions. In other interviews, Warren Ingram, Co-Founder of Galileo Capital, talks about navigating the complexities of retirement planning, particularly the crucial decision of choosing between a variable income and a guaranteed income for life from retirement investments. The Money Show is a podcast hosted by well-known journalist and radio presenter, Stephen Grootes. He explores the latest economic trends, business developments, investment opportunities, and personal finance strategies. Each episode features engaging conversations with top newsmakers, industry experts, financial advisors, entrepreneurs, and politicians, offering you thought-provoking insights to navigate the ever-changing financial landscape. Thank you for listening to a podcast from The Money Show Listen live Primedia+ weekdays from 18:00 and 20:00 (SA Time) to The Money Show with Stephen Grootes broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3Nk For more from the show, go to https://buff.ly/7QpH0jY or find all the catch-up podcasts here https://buff.ly/PlhvUVe Subscribe to The Money Show Daily Newsletter and the Weekly Business Wrap here https://buff.ly/v5mfetc The Money Show is brought to you by Absa Follow us on social media 702 on Facebook: https://www.facebook.com/TalkRadio702702 on TikTok: https://www.tiktok.com/@talkradio702702 on Instagram: https://www.instagram.com/talkradio702/702 on X: https://x.com/CapeTalk702 on YouTube: https://www.youtube.com/@radio702 CapeTalk on Facebook: https://www.facebook.com/CapeTalkCapeTalk on TikTok: https://www.tiktok.com/@capetalkCapeTalk on Instagram: https://www.instagram.com/CapeTalk on X: https://x.com/Radio702CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

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Discover what the retirement age should be, according to surveys. My earlier podcast to calculate how much you need to retire is here. Are you on track for financial freedom...or not? Financial freedom is a combination of money, compounding and time (my McT Formula). How well you invest can make the biggest difference to your financial freedom and lifestyle. If you invested well for the long-term, what a difference it would make because the difference between investing $100k and earning 5 percent or 10 percent on your money over 30 years, is the difference between it growing to $432,194 or $1,744,940, an increase of over $1.3 million dollars. Your compounding rate, and how well you invest, matters!  INVESTING IS WHAT THE BE WEALTHY & SMART VIP EXPERIENCE IS ALL ABOUT - Invest in digital assets and stock ETFs for potential high compounding rates - Receive an Asset Allocation model with ticker symbols and what % to invest -Monthly LIVE investment webinars with Linda 10 months per year, with Q & A -Private VIP Facebook group with daily community interaction -Weekly investment commentary -Extra educational wealth classes available -Pay once, have lifetime access! NO recurring fees. -US and foreign investors are welcome -No minimum $ amount to invest -Tech Team available for digital assets (for hire per hour) For a limited time, enjoy a 50% savings on my private investing group, the Be Wealthy & Smart VIP Experience. Pay once and enjoy lifetime access without any recurring fees. Enter "SAVE50" to save 50% here: http://tinyurl.com/InvestingVIP Or set up a complimentary conversation to answer your questions about the Be Wealthy & Smart VIP Experience. Request an appointment to talk with Linda here: https://tinyurl.com/TalkWithLinda (yes, you talk to Linda!). SUBSCRIBE TO BE WEALTHY & SMART Click Here to Subscribe Via iTunes Click Here to Subscribe Via Stitcher on an Android Device Click Here to Subscribe Via RSS Feed LINDA'S WEALTH BOOKS 1. Get my book, "3 Steps to Quantum Wealth: The Wealth Heiress' Guide to Financial Freedom by Investing in Cryptocurrencies". 2. Get my book, “You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Men love it too! After all, you are Wealth Heirs. :) International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. WEALTH LIBRARY OF PODCASTS Listen to the full wealth library of podcasts from the beginning.  SPECIAL DEALS #Ad Apply for a Gemini credit card and get FREE XRP back (or any crypto you choose) when you use the card. Charge $3000 in first 90 days and earn $200 in crypto rewards when you use this link to apply and are approved: https://tinyurl.com/geminixrp This is a credit card, NOT a debit card. There are great rewards. Set your choice to EARN FREE XRP! #Ad Protect yourself online with a Virtual Private Network (VPN). Get 3 MONTHS FREE when you sign up for a NORD VPN plan here.  #Ad To safely and securely store crypto, I recommend using a Tangem wallet. Get a 10% discount when you purchase here. #Ad If you are looking to simplify your crypto tax reporting, use Koinly. It is highly recommended and so easy for tax reporting. You can save $20, click here. Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America's Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom.  (This post contains affiliate links. If you click on a link and make a purchase, I may receive a commission. There is no additional cost to you.)

"Rubble and Skye" in Minnesota want to spend $65,000 a year in retirement, and they'll have $67K in annual fixed income. Are they cutting it too close? "Atouk and Tala" in New Jersey will have retirement money, Social Security, and “Lumpy,” their lump sum pension - will they be okay? We'll find out today on Your Money, Your Wealth® podcast number 542 with Joe Anderson, CFP® and Big Al Clopine, CPA. Plus, should David in Redondo Beach California use his Roth money to buy a home? And what do the fellas think about "Charlie Pepper" in Colorado using a home equity line of credit (HELOC) for retirement spending, instead of living off of pre-tax money? Free financial resources & episode transcript: https://bit.ly/ymyw-542 DOWNLOAD the Investing Basics Guide WATCH Financial Boot Camp on YMYW TV COMPLETE the 8th Annual YMYW Podcast Survey for your chance at a $100 Amazon e-gift card! (secret password: ymyw) ASK Joe & Big Al for your Retirement Spitball Analysis SCHEDULE your Free Financial Assessment LEAVE YOUR HONEST RATINGS AND REVIEWS on Apple Podcasts SUBSCRIBE or FOLLOW on your favorite podcast app JOIN THE CONVERSATION on YouTube DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter Timestamps: 00:00 - Intro: This Week on the YMYW Podcast 00:43 - $250K Saved, $67K Fixed Income, $65K Spending. Are We Cutting Retirement Too Close? (Rubble & Sky, MN) 05:20 - We Have a $700K Pension, $335K Retirement, Plus Social Security. Will We Be OK? (Atouk and Tala, NJ) 13:14 - Watch Financial Boot Camp on YMYW TV, Download the Investing Basics Guide 14:03 - Should I Use My Roth Money for a Home Purchase? (David, Redondo Beach, CA) 21:03 - Complete the 8th Annual YMYW Podcast Survey for your chance at a $100 Amazon e-gift card! (secret password: ymyw) 22:01 - HELOC vs. Pre-Tax Account for Retirement Spending (Charlie Pepper, CO) 34:23 - Next Week on YMYW Podcast: Guest Co-Host Marc Horner, CFP® 34:53 - YMYW Podcast Outro