Podcasts about Pension

GP Money Matters is a series of special bonus episodes of Talking General Practice sponsored by Wesleyan where we look at key personal finance issues that affect GPs.In this episode GPonline editor Emma Bower speaks to Wendy Baillie, a chartered financial planner and regional manager at Wesleyan Financial Services, about how to decode your NHS pension statement, and why taking a closer look at it is vital for your long-term financial planning. Wendy explains what these statements actually tell you, including crucial details on your pensionable pay, service history, and spousal benefits.She also outlines the most common misunderstandings around NHS pensions, how to navigate issues like the McCloud remedy and the annual allowance threshold, what you should be checking annually to spot errors, and when you may need to seek professional guidance.This episode was produced by Czarina Deen.This podcast is intended for general information purposes only and does not constitute financial advice. Individual circumstances may vary.Useful linksTo learn more about the financial considerations discussed in this podcast, you can book an appointment with a specialist financial adviser at Wesleyan Financial Services. Charges may apply. If you want to find out more about Wesleyan following this podcast, you can visit wesleyan.co.uk/gppodcastAbout WesleyanWesleyan Financial Services supports doctors with advice shaped around the realities of the profession.From complex income structures and portfolio careers to the NHS Pension Scheme and retirement options, its Specialist Financial Advisers work closely with doctors every day. Recognised by the NHS as able to give guidance on the NHS Pension Scheme, Wesleyan brings trusted expertise to key financial decisions. Combining financial planning, investment advice and protection, it helps doctors make confident, informed choices.96% of doctors rated their specialist financial adviser as very good or excellent, reflecting a focused service that helps doctors protect their income, grow wealth and plan ahead with confidence.Remember: The value of investments can go down as well as up, and you may get back less than you invest.Wesleyan Financial Services Ltd (Registered in England and Wales No. 1651212) is authorised and regulated by the Financial Conduct Authority. Registered Office: Colmore Circus, Birmingham B4 6AR. Telephone: 0345 351 2352. Calls may be recorded to help us provide, monitor and improve our services to you. Hosted on Acast. See acast.com/privacy for more information.

What if that old pension you barely think about is secretly one of the most valuable assets in your retirement plan? Bill and Jackie welcome back financial planner and educator, Andy Panko for a deep dive into the increasingly rare (but far from extinct) world of pensions. They explore plans from private and government employers and why a seemingly small monthly check can dramatically change the work the rest of your portfolio has to do. This episode covers Why pensions are less common but still relevant to millions of workers What it actually means when an employer "freezes" a pension How to think about a pension as part of your overall retirement portfolio The risks behind private, federal, state, and municipal pension promises Lump sum versus lifetime monthly payments and the trade-offs of each Single-life, joint-and-survivor, period-certain, and inflation-adjusted pension options Why guaranteed income can give retirees psychological permission to spend When comparing an employer pension with a commercial income annuity may make sense  Andy's four-question framework for deciding whether lifetime payments fit your plan Jackie's pension options and her final decision to turn on lifetime monthly payments Where to find old or forgotten pensions from previous employers . === SUPPORT  THE  SHOW ===

This episode is brought to you by our sister podcast Money Talks. New episodes land every Wednesday. Regular listeners to Money Talks will know that the show has always focused on the personal side of personal finance. Now we're really putting our money where our mouth is with our new Money Makeover series. Financial expert Cian Carolan joins Katie Byrne to apply the actionable advice from Money Talks to real-life circumstances faced by our listeners. On this episode, he focuses on a couple with very different saving styles – and a looming time crisis on their pension pot. Host: Katie Byrne | Guest: Cian Carolan The content of this podcast is for information purposes and does not constitute investment advice or recommendation of any investment product. We want to earn your trust and are members of the Trust Project. See our ethics policies at independent.ie/ourjournalismSee omnystudio.com/listener for privacy information.

Kelley Slaught discusses essential retirement planning strategies, including managing longevity risk, healthcare costs, tax planning, and early retirement considerations. This episode provides practical advice for building a secure and flexible retirement plan. 800-810-8060 California Wealth AdvisorsSee omnystudio.com/listener for privacy information.

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Bankruptcy. Merger. A frozen pension. Furlough. These are words every airline pilot hopes they will never hear. Today's guest has experienced all of them—and still managed to rebuild, reinvent himself, and come out on top. Paul Horsley is a retired airline pilot and the author of “Why the Rich Don't Die Broke”. Paul, welcome to … Continue reading ACP464 A Pilot’s Second Act After The Pension Disappeared → The post ACP464 A Pilot’s Second Act After The Pension Disappeared appeared first on Aviation Careers Podcast.

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Pension tax relief is one of the most useful ways to reduce tax while building long-term financial security. It helps taxpayers, business owners, company directors and higher earners make pension contributions more tax-efficiently. The challenge is that pension rules can feel confusing, especially when annual allowance limits, tapered annual allowance, carry forward, relief at source, net pay arrangements and employer contributions all come into the conversation. This episode explains the key ideas in plain English so you can understand what pension tax relief does, why it matters and where planning can make a real difference. About this episode If there was a legal way to pay less tax while building long-term financial security, most people would want to know about it. Pension tax relief does exactly that. In this episode, we look at how pension tax relief works, why it exists, how much you may be able to contribute, what the annual allowance means, what higher earners need to watch, and how carry forward can help you use unused allowances from earlier years. We also look at why employer pension contributions can be especially powerful for limited company directors and owner-managed businesses, and why understanding how your pension scheme gives tax relief matters. Why this matters Pension tax relief exists because the government wants people to save for retirement. The more people save for their own future, the less pressure there is on the state pension system. In simple terms, pension tax relief means some of the money that would otherwise go in tax can instead go into your pension pot. Mahmood describes it as the government helping you fund your future. This makes pensions a powerful part of tax planning. It is not about becoming wealthy overnight. It is about creating options, building financial security and making today's money work harder for tomorrow. For business owners and company directors, this also links naturally to wider tax-efficient reward planning. Our episode on Saving Tax with Company Benefits is a useful follow-on if you want to understand how pension contributions can sit alongside other company benefits. “Some of the money that would otherwise disappear in tax finds its way instead into your pension pot.” Key points from this episode Pension tax relief is not only for wealthy people One of the biggest misunderstandings is that pension tax relief is only useful for high earners. It is not. Pension tax relief is available to millions of ordinary taxpayers. Even if you have little or no earnings, you may still be able to contribute a limited amount into a pension and receive tax relief. The key point is that you do not need to be wealthy to benefit. You need to understand the rules, the limits and how your own pension arrangement works. How much can you contribute? Tax relief on personal pension contributions is generally linked to the lower of two figures: your relevant earnings or your available annual allowance. For many people, that is more than enough room to save tax-efficiently. However, if you are a business owner, company director, higher earner or somebody having a particularly profitable year, it becomes more important to pay attention to the annual allowance. The annual allowance includes your own contributions, employer contributions and contributions made by somebody else on your behalf. It is not a savings target. It is a limit to keep in mind so you avoid unwanted tax consequences. Higher earners and the tapered annual allowance Higher earners need to be particularly careful because the annual allowance may reduce. This is known as the tapered annual allowance. The taper can apply when both threshold income and adjusted income exceed certain levels. When that happens, the annual allowance can reduce, which means pension planning becomes more important. Large bonuses, dividend payments and employer pension contributions can all affect the calculation. That is why protective planning matters. The higher your income, the more important it becomes to check the numbers before making decisions. This connects with wider owner-director planning. Our episode on Dividends Explained: What They Are, Why They Matter and How to Pay Them is useful if you want to understand how dividends fit into director reward and tax planning. Carry forward can help you use earlier unused allowances Carry forward is a pension rule that many people overlook. If you have not used all your annual allowances during the previous three tax years, you may be able to bring unused allowances forward and use them now. Mahmood compares this to unused luggage allowance on a flight. Instead of wasting it, you may be able to use it later. Carry forward can be especially useful if your business has had a strong year, you have received a large bonus, you have received a redundancy payment, or retirement is approaching and you want to boost your pension quickly. Employer pension contributions can be powerful for business owners If you run a limited company, employer pension contributions deserve close attention. Employer pension contributions can be one of the most tax-efficient ways to move money from your business into your personal wealth. Unlike personal contributions, employer contributions are not limited by your personal earnings level, although they still count towards your annual allowance. That is why directors and owner-managed businesses often use pension contributions as part of a wider remuneration strategy. Done correctly, pension contributions can benefit both the business and the individual. They are not just pension payments. They can be part of a wider plan for extracting value from the company tax-efficiently. Relief at source and net pay arrangements Not all pension schemes deliver tax relief in the same way. Two common methods are relief at source and net pay arrangements. With relief at source, which is common with personal pensions, you pay contributions from income after tax. The pension provider claims basic rate tax relief from HMRC and adds it to your pension pot. If you are a higher-rate taxpayer, you may need to claim additional relief yourself, often through Self Assessment. With a net pay arrangement, often used by workplace pensions, contributions are taken from salary before Income Tax is calculated. Tax relief is then received through payroll, and no extra claim is normally required. The practical lesson is simple: know which method your pension scheme uses so you do not miss tax relief you are entitled to. Emma's pension tax relief example Mahmood uses Emma to show how powerful pension tax relief can be. Emma contributes £300 a month into her pension. Over a year, that is £3,600 from her own pocket. Under a relief at source arrangement, the pension contribution is treated as having basic rate tax added back, so the pension contribution becomes £4,500. The pension provider claims £900 from HMRC. If Emma is a higher-rate taxpayer, her total tax relief entitlement may be higher, and she may be able to claim the remaining relief through her tax return. For a higher-rate taxpayer in Mahmood's example, a pension contribution worth £4,500 has effectively cost £2,700 after the extra relief is claimed. That is the power of pension tax relief in action. FAQs What is pension tax relief? Pension tax relief is a government incentive that helps money go into your pension more tax-efficiently. In simple terms, some of the money that would otherwise go in tax can instead help build your retirement savings. What is the pension annual allowance? The annual allowance is the maximum amount that can generally go into your pension in a tax year while still benefiting from tax advantages. It includes personal contributions, employer contributions and third-party contributions. What is the tapered annual allowance? The tapered annual allowance is a reduced annual allowance that can apply to higher earners. If your income is high enough, your annual allowance may shrink, which can create unexpected tax consequences if not planned properly. What does carry forward mean for pensions? Carry forward allows you to use unused annual allowance from the previous three tax years, if the rules are met. It can be especially useful after a strong business year, a large bonus, redundancy payment or when retirement is approaching. Why are employer pension contributions useful for company directors? Employer pension contributions can help company...

Urgent action is needed to help people in their sixties on low incomes who face a delay of up to a year before they can claim their State Pension. That is the main recommendation of a new report from the Work and Pensions Committee. Pension age rises over the next two years from 66 to 67 and the committee of MPs fears some of the people affected by that delay face poverty unless the benefit rules are changed to give them more money. The Department for Work and Pensions says in February, 0.02% of the Universal Credit caseload was aged 65 or 66. It also welcomed the report saying it will consider the recommendations in due course. There's growing concern in the housing industry over the rise in a practice known as “gazundering”. It's when people selling homes are told by buyers just days before exchanging, that they must drop the agreed price by thousands of pounds or risk losing the deal. The Conveyancing Association says it's a growing problem and is urging the government to implement reforms which would stop the practice “without delay”. The government says it's stopping gazundering by introducing "legally binding agreements that prevent buyers from walking away at the last minute without a valid reason, with fines for those who do."Money Box has found that a grant which can be used to install a heating system than can also act as air conditioning is not up and running, despite being announced in November. We'll investigate why.Presenter: Paul Lewis Reporters: Dan Whitworth, Jo Krasner and Niamh McDermott Editor: Jess Quayle Senior News Editor: Sara WadesonPhoto Credit: Witthaya Prasongsin via Getty Images(First broadcast 12pm Saturday 18th July 2026)

PLUS:Why an information officer in BC kept livestreaming even as he fled a wildfire with his familyThe cost of Canada's heavy reliance on U.S. tech, and what it would take to change itWhere are all the 'bears'? How weight-loss drugs are changing the celebration of big-bodied gay menHe was tracked on Flock cameras and surrounded by police – but he hadn't committed any crimeRiffed from the Headlines, our weekly musical news quiz

Viele Menschen stellen sich im Laufe ihres Berufslebens die Frage, wann sie eigentlich in Pension gehen können. Gerade in den letzten Jahren hat es zahlreiche gesetzliche Änderungen gegeben. Dadurch ist das Pensionsrecht nicht einfacher geworden. Umso wichtiger ist es, einen verständlichen Überblick zu erhalten. Fidas-Experte Jörg Atzlinger beleuchtet in dieser Episode die normale Alterspension, die vorzeitige Alterspension bei langer Versicherungsdauer und die Korridorpension.

In this episode, Kelley discusses essential retirement planning strategies, including spending, pensions, lump sums, working in retirement, and tax considerations. Kelley offers information to help listeners make informed decisions for a secure and confident retirement. 800-810-8060 California Wealth AdvisorsSee omnystudio.com/listener for privacy information.

While we work on the next chapter of The Vault, we're bringing back the episodes you loved most.

Some huge revelations in this one - book exist, people used to not live as long, Clint is on borrowed years. Bree Tomasel & Clint Roberts on ZM - find us @breeandclint on Instagram, Facebook and TikTok.See omnystudio.com/listener for privacy information.

Turning 60 with a significant pension pot and nothing forcing your hand? This episode is a worked case study on the pension lump sum decision at 60 in Ireland: Take the tax-free lump sum now, or leave the fund invested and revisit it at 65. Paddy goes through a study-case: Larry is 60, a senior private-sector executive, with €1.4 million in a defined contribution scheme. He doesn't exist. The numbers do. What you'll learn in this Episode: How the retirement lump sum is actually taxed in Ireland: the first €200,000 tax-free as a lifetime limit across all schemes, the 20% band to €500,000, and the marginal rate above it Why an uncrystallised pension carries no mandatory drawdown, and what imputed distribution at 4% from age 61 means once you have crystallised What five years of 5% to 6% growth is actually worth in net lump sum terms and why the honest answer is a range, not a number Where the Standard Fund Threshold genuinely bites and where it doesn't, including why a threshold rising €200,000 a year to 2029 changes the usual "don't let it grow too big" advice The three mistakes that decide most of these cases in practice If you're approaching retirement with a significant pension pot and you've been assuming 60 or 65 is the moment you have to act, this episode is for you. 

Don opens with a spirited defense of AI as a creative tool—especially when it makes ideas possible that would otherwise be too expensive or time-consuming. Technology changes the jobs around us, but learning to direct it responsibly can expand what one person can make.Then it's on to listener questions: how charitable giving from a retirement account might work better through an IRA and qualified charitable distributions, whether dividends and bond interest should be reinvested, and why money generally belongs at work instead of waiting in cash.Finally, Don weighs a COLA-adjusted pension against a lump sum, considers a low-cost new 401(k) versus an IRA, gives a hard no to illiquid Why Refi promissory notes, and compares simple flexible retirement withdrawals with advisor-managed guardrails.03:40 — AI as a creative tool07:01 — Charitable giving, IRAs, and QCDs09:55 — Reinvesting dividends and bond interest11:37 — Pension or lump sum? Plus the next 401(k)14:52 — Why Refi and the danger of “magical” returns17:56 — Flexible withdrawals versus guardrailsQuestions? Comments? Click!

Bundeskanzler Christian Stocker (ÖVP) hat mit seiner Aussage "Kinderbetreuung ist keine unbezahlte Arbeit" für viel Kritik gesorgt. Mittlerweile hat er sich entschuldigt. Unter anderen hat auch Anna Parr Generalsekretärin der Caritas Österreich verärgert reagiert ++ Am Sonntag haben Männer statistisch gesehen bereits so viel Pension erhalten wie Frauen erst am Ende des Jahres ++ die griechische Mythologie mit ihren Göttinnen und Göttern fasziniert bis heute ++Moderation: Susanne Krischkegesendet in Ö1 am 07.08.2026

Episode OverviewIf you've been scheduled for a VA Compensation & Pension (C&P) exam for depression, you may be wondering what to expect. Many veterans feel anxious about the process, but understanding how the exam works can help you prepare.In this episode, we explain the purpose of a C&P exam for depression, what the examiner is evaluating, common questions you may be asked, and how your symptoms may affect your VA disability rating. We also discuss common mistakes veterans make before and during the examination.Topics CoveredWhat Is a C&P Exam? The purpose of a Compensation & Pension examination  Why the VA orders mental health C&P exams  Difference between diagnosis, nexus, and severity evaluations  Who performs the examination Conditions That May Be Evaluated Major Depressive Disorder (MDD)  Persistent Depressive Disorder (Dysthymia)  Depression secondary to another service-connected disability  Depression related to chronic pain or physical limitations  Depression associated with military trauma or life events What the Examiner ReviewsThe examiner may review: Your VA claims file (if provided)  VA treatment records  Private mental health records  Service treatment records  Personnel records  Prior C&P examinations  Lay statements from you, family members, or friends Common Questions You May Be AskedThe examiner may ask about:Military History Your military service  Stressful experiences during service  Changes in behavior during service Mental Health Symptoms Depressed mood  Loss of interest or motivation  Anxiety  Irritability  Feelings of hopelessness  Guilt  Difficulty concentrating  Memory problems  Panic attacks  Emotional numbness Sleep Insomnia  Oversleeping  Nightmares  Fatigue Daily Functioning Personal hygiene  Household responsibilities  Ability to manage finances  Driving  Shopping  Cooking Employment Ability to work  Missed work  Conflicts with supervisors  Difficulty concentrating  Reduced productivity Relationships Marriage  Family interactions  Friendships  Social isolation Safety QuestionsThe examiner may ask about: Suicidal thoughts  Previous suicide attempts  Thoughts of self-harm  Homicidal thoughts These questions are a routine part of nearly every mental health examination.Mental Status ExaminationDuring nearly every mental health C&P exam, the examiner documents observations including: Appearance  Eye contact  Behavior  Speech  Mood  Affect  Thought processes  Memory  Attention  Judgment  Insight  Orientation  Concentration VA Rating ConsiderationsThe VA generally evaluates depression based on occupational and social impairment, rather than simply counting symptoms.Ratings commonly include:0%10%30%50%70%100%The overall severity of functional impairment is often more important than any single symptom.Tips Before Your ExamConsider the following: Be honest and accurate.  Describe your symptoms on your worst typical days—not your best day.  Do not exaggerate symptoms.  Do not minimize symptoms because of military culture or pride.  Answer the questions asked without trying to guess what the examiner wants to hear.  If you don't understand a question, ask for clarification.  If symptoms fluctuate, explain how often they occur and how severe they are. Common Mistakes Veterans Make Saying "I'm fine" out of habit  Downplaying symptoms  Forgetting to discuss how symptoms affect work and relationships  Assuming the examiner has already read every medical record  Focusing only on the diagnosis instead of discussing functional limitations  Trying to memorize answers instead of speaking honestly Can You Bring Evidence?Depending on the circumstances, you may bring: Medication lists  Recent treatment records  Private mental health evaluations  Symptom journals (if applicable) However, not every examiner will accept or review documents during the examination, so it's generally best to ensure important evidence is submitted to the VA as part of your claim.Key TakeawaysA C&P exam is not a therapy session or a treatment appointment. Its purpose is to gather information that helps the VA evaluate your claim. The examiner assesses your symptoms, reviews relevant records, and evaluates how your depression affects your occupational and social functioning.Being honest, specific, and prepared can help ensure the examination accurately reflects your condition.DisclaimerThis episode is for educational purposes only and is not legal or medical advice. Every VA disability claim is unique, and the outcome depends on the individual evidence in the record. If you have questions about your specific case, consider consulting an accredited VA representative or attorney.

What happens when your pension goes away?  Scary topic, isn't it? In this episode, we talk about what's actually happening when the pension terminates, what you should expect as an employee, what actions you should be taking and what common mistakes you should avoid.Feat Mary Sterk & Jordan IrelandSchedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/#ForbesAwardWinner #WealthManagement #EstatePlanning

Today on the show - Jemma Slingo is here to tell us why the final few years before you retire can be amongst the most important for achieving your goals - and how you can use the rules of ‘carry forward’ to give your savings a boost. Read Jemma’s full article on carry forward here. Ed Monk is joined by Jemma Slingo to provide a well-balanced take on the latest financial developments together with expert insights to help you grow your capital, manage your investment portfolio and make the most of the money markets. Popular for its jargon-free approach, clear analysis and fresh perspective, The Personal Investor podcast helps shine a light on the latest market developments for the savvy UK investor.See omnystudio.com/listener for privacy information.

This is a special best-of episode of our Question Time podcast, where Matt has picked his favourite questions you've asked Martin, including: I'm 23 and saving 15% of my salary into my pension, is that enough? My 5-year-old TV's faulty, can I get a refund? We've also hear from Robert, who's finally debt free after making poor financial decisions when he was younger - and wants to know what he should do now. Then we hear from Carly, who, after hearing Robert's story on the podcast, decided to seek help with her debt. Plus, how we (or you) decided what we should call you if you come on the podcast.If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!). So, if you've always wanted to know his favourite paper size, what prescription he has in his glasses, or have a very complicated question about your finances, email it to MartinLewisPodcast@bbc.co.uk.

Originally recorded May 2024. This episode is from the Be Battle Ready archive and is well worth a second listen. Dan John is one of the most respected strength coaches in the world. A former All-American discus thrower, a prolific author with close to 20 books to his name, and someone who has been coaching athletes across multiple sports for over four decades. He has a rare gift. The ability to take genuinely complex ideas and distil them into something so simple you wonder why you ever made it complicated in the first place. This conversation covers the difference between health, longevity, fitness and performance, and why most athletes confuse them. We get into why the basics consistently applied over years are the only secret that actually exists, what strength and mobility work should look like for endurance athletes over 50, what equipment you actually need, and a phrase that came up in the conversation that I think every person over 40 should sit with. The physical pension. 5 KEY POINTS Health, longevity, fitness and performance are four different things. Most athletes chase fitness and performance while neglecting health and longevity. Get the order wrong and the whole house eventually falls down. Fitness is simply the ability to do a task. Nothing more. Stop comparing yourself to people doing different tasks. The best couch carrier in the world isn't automatically fitter than the best Ironman athlete. They're just fit for different things. The only secret is consistency over time. Five days a week, 52 weeks a year. One to five workouts will be brilliant, one in five will be embarrassing, and three out of five will be ordinary. Multiply that by 10 years and the ordinary ones quietly do all the work. Strength work becomes non-negotiable after 50. The 35 to 55 window is when you build the strength reserves that stay with you for the rest of your life. Future you will be very glad you did. The physical pension is real. Regular deposits into your physical health now, while you can, build the pot you'll draw on in your 60s, 70s and beyond. Every consistent week compounds. 3 TAKEAWAYS Mobility before strength. If you're limited in range of movement, getting stronger within that limited range won't give you much return. Fix the mobility first, then build strength through the full range. Focus on movements, not muscles. Squats, hinges, pushes, pulls and loaded carries work the biggest number of muscles in one hit and build the kind of functional strength that transfers to sport and life. Ask yourself: will future me be happy with this decision? If you're 45 and making training, nutrition and lifestyle choices, run them through that filter first. KILLER QUOTE "It's hard to sell a secret when there's no secret. You do the basics right, you recover well, and you repeat the next day. That's it."   CONNECT with Dan Dan John is a strength coach, author and educator based in the United States. He has coached athletes from high school level through to Olympic standard across multiple sports. To find out more about Dan John, please visit these channels: Website - Dan John University Sign up for Dan's weekly newsletter “Wandering Weights”  Easy Strength with Dan John & Pavel Tsatsouline Check out Dan John's other books HERE Dan is a prolific writer. Check out his articles and blogs    Dan John talks about the physical pension — putting regular deposits into your physical health now so future you has something to draw on. That's exactly the philosophy behind SWAT Inner Circle. Structured training plans from Sprint to Ironman, strength and mobility built in, recovery centred, and designed for the age you are now, not the age you were. New members join at £65 a month. No minimum term, cancel any time. Details at simonward.co.uk/swat-inner-circle   FREE Download

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, … 08/08/26 – HERO’S Talk Radio Read More » The post 08/08/26 – HERO’S Talk Radio appeared first on HERO'S Strategies, Inc..

Chris Hudspeth is on a mission to bring the Pension back! Author of The 21st Century Pension and host of the Money By Chris Podcast, Chris shows people how to roll their 401(k) into passive income for retirement with honesty, clarity, and zero financial jargon.Learn more: https://www.retrieverfinancial.com/Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-chris-hudspeth-founder-of-retriever-financial

Chris Hudspeth is on a mission to bring the Pension back! Author of The 21st Century Pension and host of the Money By Chris Podcast, Chris shows people how to roll their 401(k) into passive income for retirement with honesty, clarity, and zero financial jargon.Learn more: https://www.retrieverfinancial.com/Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-chris-hudspeth-founder-of-retriever-financial

Hour 3 of the Monday Bob Rose Show, on Japan's economic woes, and Trump answering with a gesture of friendship to stabilize their currency. Will ‘intervention' make their economy worse in the long term? Also, a stunning $570k pension payoff to a retired teacher, union boss, and lifeguard accused of patronage abuse. Plus, all of the morning's biggest news stories for 8-3-26.

Parliament was asked this week to help tens of thousands of young adults get access to their own money. It is sitting in the state-backed Child Trust Funds set up more than 15 years ago with contributions from the government, parents and other relatives. However, because these young people have learning disabilities the legal process for getting hold of their own money can cost more than the couple of thousand pounds typically in their fund. What happens next?New figures reveal that in a single year half a million people said 'no thanks' to joining a workplace pension. Like everyone taking up a new job they were automatically enrolled into a pension, but they opted out before it even began. How might that impact their future?Capita has missed the deadline to return services to normal for civil servants facing long delays in getting their pensions sorted. And, a major change to the Lifetime ISA could see it replaced with a new product designed solely for First Time Buyers. How will it work?Presenter: Paul Lewis Reporters: Dan Whitworth and Meghan Owen Researcher: Catherine Lund Editor: Jess Quayle Senior News Editor: Sara Wadeson(First broadcast 12pm Saturday 4th July 2026)

One of the main concerns Kiwis have when planning out their retirements is the cost of getting old – especially when it comes to healthcare. Ed McKnight runs through a couple of the key things you need to take into consideration when it comes to health after retiring. Public is free, but you pay the price of waiting Over 36% of patients have waited more than four months for surgery The Government's target is 5%, which is why two-thirds of elective surgery in NZ now happens in private facilities (some of that is publicly funded). People wildly underestimate what private costs Most Kiwis think a hip replacement is under $10,000. It's about $27,700–$33,100. Prostate cancer surgery runs around $26,700–$32,300 and breast cancer surgery is around $9,400–$31,100. Ultimately, it's about quality of life. One Auckland man was quoted $165,000 for back surgery, couldn't pay, and sat at home on nine pain prescriptions until the public system took him. Insurance fixes that, but the premium quadruples by 65 Health insurance for a non-smoking office worker is about $170 a month at 35, but it's about $676 at 65. By 75 you're nearing $1,000 a month — over $100,000 across that decade. Over-65s claim more than three times what 35–49-year-olds do. LISTEN ABOVE See omnystudio.com/listener for privacy information.

India is on the cusp of a major demographic shift. By 2047–2050, nearly one in five Indians will be over the age of 60, making retirement planning a national priority rather than a personal choice. In this exclusive conversation, C. Sivasubramaniam Raman, Chairman, PFRDA, discusses why Indians need to "grow rich before they grow old" and how the National Pension System (NPS) is evolving to meet the needs of a changing workforce. From the power of long-term compounding and retirement discipline to innovations like NPS Swasthya, digital onboarding, support for gig workers, and the future of pension reforms, the discussion explores how India's pension ecosystem is being reimagined for the decades ahead.

Ferien oder Krankheitl, Spitalaufenthalt oder beruflichliche Abwesenheit: Wohin soll der Hund in dieser Zeit? Diese Frage sollte sich jeder Hundehalter und jede Hundehalterin frühzeitig stellen - im gegenseitigen Interesse. Eine Fremdplatzierung eines Hundes darf nicht auf die leichte Schulter genommen werden – auch wenn es nur für kurze Zeit ist. An einem neuen Ort ist für einen Hund alles anders, nicht nur Schlafplatz, Umgebung und Tagesablauf, sondern auch Gerüche, Menschen und andere Hunde. Veränderungen sind immer mit zusätzlichem Stress verbunden. Kriterien bei der Auswahl der Tierpension: · Ruhige, freundliche Atmosphäre unter den Hunden wie unter dem Personal · Kein Dauergebell, keine ständige Betriebsamkeit · Hygiene und Sauberkeit · Unterkünfte (keine Boxenhaltung) geräumig, klimatisiert · Innen wie aussen steht Wasser zur Verfügung · Genügend Ruhe vor und in erster Linie nach der Fütterung · Unterbringung so, dass sich Hunde nicht gegenseitig zum Bellen aufschaukeln · Zweimal täglich Auslauf, auf Wunsch einmal Spaziergang, wenn mit anderen Hunden, nur bei guter Verträglichkeit · Eigenes Hundebett und Lieblingsspielzeug · Ausgebildete Mitarbeitende · Wie wird der Hund aufgenommen? · Bekommt er Eingewöhnungszeit (ohne sogleich Hundekontakt)?

Clement Manyathela speaks to Advocate Tertius Wessels who is an Advocate and Legal Director at Strata-g Labour Solutions to understand the circumstances under which pension funds get withheld upon the termination of an employee’s contract. The Clement Manyathela Show is broadcast on 702, a Johannesburg based talk radio station, weekdays from 09:00 to 12:00 (SA Time). Clement Manyathela starts his show each weekday on 702 at 9 am taking your calls and voice notes on his Open Line. In the second hour of his show, he unpacks, explains, and makes sense of the news of the day. Clement has several features in his third hour from 11 am that provide you with information to help and guide you through your daily life. As your morning friend, he tackles the serious as well as the light-hearted, on your behalf. Thank you for listening to a podcast from The Clement Manyathela Show. Listen live on Primedia+ weekdays from 09:00 and 12:00 (SA Time) to The Clement Manyathela Show broadcast on 702 https://buff.ly/gk3y0Kj For more from the show go to https://buff.ly/XijPLtJ or find all the catch-up podcasts here https://buff.ly/p0gWuPE Subscribe to the 702 Daily and Weekly Newsletters https://buff.ly/v5mfetc Follow us on social media: 702 on Facebook https://www.facebook.com/TalkRadio702 702 on TikTok https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/Radio702 702 on YouTube: https://www.youtube.com/@radio702 See omnystudio.com/listener for privacy information.

First up this week's episode of Inside Business, we are looking at pensions and what constitutes a comfortable retirement here.A recent survey from Royal London Ireland suggested Irish workers believe they will need almost €41,000 per year to achieve that.So, when should you start contributing into a pension and what age should you ramp up those contributions? And why is home ownership so important when it comes to our financial life cycle?To discuss this host Cliff Taylor is joined in studio by partner at PwC Ireland Munro O'Dwyer.Plus, Permanent TSB shareholders are to vote Thursday July 30th on Austrian bank Bawag's planned €1.62bn takeover.This suggests a finish line is in sight after the bank was put up for sale last October.But what will the takeover potentially mean for branch closures and staff cuts?Irish Times Markets Correspondent Joe Brennan has been writing about this, and he joined Cliff on the line.Produced by John Casey with JJ Vernon on sound. Hosted on Acast. See acast.com/privacy for more information.

What Happens After Payday in Spain? You May Be Surprised.Have you ever stopped to think about where all those deductions on a Spanish pay check actually go?Most people see the numbers, sigh a little... and move on.But behind those deductions is a system that's been protecting millions of people for well over a century. And unless you've actually lived in Spain, chances are you've only seen the surface.  People ask me this on tour all the time.This week on Spanish Loops, Fran and I thought we'd tackle one of those subjects that sounds a bit dry... until you realize it affects almost every single person who lives here.We're talking about Spain's Social Security system.Where did it begin? Why was it created? Who pays for it? And what do you actually get in return?We're going to walk you through the story, from the first protections for workers back in the late nineteenth century to the universal healthcare system Spain has today. We'll explain how family doctors, hospitals, maternity leave, sick leave, unemployment benefits and retirement pensions are all connected in ways that many people never realize.One thing that often surprises visitors is that healthcare here isn't simply a public service. It's considered a right, and that idea has shaped Spanish society for decades.Curious about how the country looks after its citizens? This episode will answer a lot of questions you've probably never thought to ask.As always, we're leaving the politics outside the studio.This isn't about opinions.It's about understanding how one of Spain's biggest institutions really works... and why it matters to every worker from the very first day they start paying into the system.So grab a coffee, come and join us. I think you'll look at Spain a little differently by the end of this episode.Discover Spain every week with Fran And Jorge. Hidden secrets, fascinating history, local curiosities, personal stories, travel tips, culture, food, legends, and non stop laughter in the most entertaining Spanish Podcast online. For Jorge: Small Group Tours in Spain & PortugalWebsite: https://travelingwithjorge.com/Small group tours in Spain, cultural tours in Spain and Portugal, authentic travel experiences, guided tours for mature travelers, food and wine tours in the Iberian Peninsula.If you're dreaming about discovering Spain and Portugal beyond the typical tourist routes, Jorge designs small group cultural tours that combine history, local gastronomy, wine experiences, and meaningful human connections. His journeys are crafted for curious travelers who value authenticity, comfort, and depth over rushed itineraries. Explore upcoming departures, detailed itineraries, and insider travel insights at travelingwithjorge.com Your trusted source for unforgettable small group tours in Spain and Portugal.For Fran: Cultural & Gastronomic Tours in Spain & PortugalWebsite: https://travelingsteps.es/Spain cultural tours, Portugal walking tours, food and wine travel Spain, Camino experiences, senior-friendly tours Spain, immersive Iberian travel.Looking for a deeper way to experience Spain and Portugal? Fran at Traveling Steps curates immersive cultural tours that blend history, gastronomy, local traditions, and relaxed walking experiences designed especially for thoughtful, experience-driven travelers. From Mediterranean islands to the Portuguese Camino, each itinerary is built around authentic encounters and meaningful storytelling. Discover upcoming tours, travel guides, and insider advice at TravelingSteps.es and start planning your next unforgettable journey through Spain and Portugal.

Today on the show - Marianna Hunt is here to talk about the temptation to opt-out of pension savings. Can it ever make sense - and who is at most risk if they opt out of retirement saving? Ed Monk is joined by Marianna Hunt to provide a well-balanced take on the latest financial developments together with expert insights to help you grow your capital, manage your investment portfolio and make the most of the money markets. Popular for its jargon-free approach, clear analysis and fresh perspective, The Personal Investor podcast helps shine a light on the latest market developments for the savvy UK investor.See omnystudio.com/listener for privacy information.

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, … 08/01/26 – HERO’S Talk Radio Read More » The post 08/01/26 – HERO’S Talk Radio appeared first on HERO'S Strategies, Inc..

Most people think tax strategy is the starting point. It's not. It's the final layer that sits on top of a life you actually want to live.In this episode, Ari Taublieb, CFP®, responds to a listener with over $3 million across pre-tax, Roth, and brokerage accounts, plus a pension and future Social Security. On paper, everything looks optimized. In reality, he's stuck on a question that keeps a lot of high savers from moving forward.Should he use his brokerage account for income, for tax strategies, or to fund Roth conversions?The answer is not as simple as picking the most tax-efficient move. In fact, focusing on taxes first can lead to the wrong outcome entirely. Ari walks through why having too much income later in life can create a “tax bomb,” how required minimum distributions change the equation, and why Roth conversions can make sense when future tax rates are likely higher.But the real takeaway has nothing to do with spreadsheets.Before deciding on conversions, withdrawal strategies, or tax brackets, the first question is much simpler. How much do you actually want to spend? Without that clarity, even the best tax plan can lead to regret. With it, the right strategy becomes much easier to see.Because the goal is not to minimize taxes at all costs. The goal is to use your money in a way that actually improves your life while you still have the time and energy to enjoy it.--Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA  is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.

In this episode of Dollars & Sense, Joel Garris of Nelson Financial Planning breaks down three timely money topics that can impact everyday financial decisions. First, he looks at the Bilt card and whether earning rewards on rent is really worth it—or whether the credit card risks outweigh the marketing hook.Then, Joel explains key Florida Retirement System choices, including the Pension Plan, Investment Plan, DROP, and recent legislative updates affecting certain COLA benefits and DROP flexibility.Finally, he discusses the decline in financial literacy, the rise in adult children relying on parents for financial support, and practical steps families can take to build independence without putting retirement at risk.

In our Question Time podcast, Martin Lewis gives you answers on anything and everything, including: can I use AI to improve my finances, and if so, what's the best and safest way? We're in our 60s, is it better to not pay off the remainder of our small mortgage? Will a bit of fiddling give us Section 75 credit card protection on our new windows? Am I wrong to use Amex at small retailers? We have a success where keeping old paperwork, as Martin suggested on the podcast, boosted our caller's pension by 20%! Plus, you ask Martin what products he wouldn't be able to live without if he had to spend less. If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!). So, if you've always wanted to know what his second favourite podcast is, how he feels about films that run for longer than three hours, or have a very complicated question about your finances, email it to MartinLewisPodcast@bbc.co.uk.

Jim and Chris discuss listener emails on Social Security survivor benefit strategies, a Roth 401(k) catch-up rule loophole, HSA reimbursement for Medicare premiums, pension options including a lump sum rollover, and trust titling versus individual beneficiaries. (13:00) — George asks whether his brother can claim his own Social Security benefit at 62 and switch to the higher survivor benefit at full retirement age. (22:45) — A listener asks whether starting a new job in 2026 could exempt him from the new mandatory Roth 401(k) catch-up rule. (28:45) — The guys field a question about using HSA funds to reimburse Medicare Part A premiums paid for a spouse before age 65. (40:00) — Jim and Chris review a listener’s decision to take a pension lump sum and roll it into an IRA over the annuity options. (1:13:00) — Georgette asks which accounts should be retitled into her trust versus left as individual beneficiary designations. The post Social Security, Roth 401k, HSA Reimbursement, Pension Options, Trust Planning: Q&A #2630 appeared first on The Retirement and IRA Show.

バイロンベイで話題のエリアにて Hi everyone, welcome back! Today, I'm bringing you a special report from Australia. We'll be touching on everything from multicultural life and the soaring cost of living, to unique career paths for the next generation, and the key differences between the Australian Superannuation and Japanese pension systems. I hope you enjoy the conversations! 今回は、

Australia's social safety net is designed for those most in need - but increasingly the benefits are flowing to the wealthiest households. 

Jim and Chris discuss the new PROMISE Act’s potential impact on Social Security before covering listener emails on pension RMD timing, interest taxation versus capital gains indexing, and portfolio strategy around Social Security survivor benefits and multi-account allocation. (5:30) — Chris discusses the new PROMISE Act and how it may impact Social Security. (17:15) — George asks how long he can delay pension distributions without violating RMD rules, given his 73rd birthday falls in February 2027. (29:45) — A listener asks whether interest income should be inflation-indexed the same way some propose indexing capital gains for wealthier taxpayers. (43:00) — The guys field a two-part question on how a surviving spouse’s Social Security loss factors into MDF portfolio and annuity design, and how to allocate a portfolio strategy across different account types. The post Social Security, Pension RMDs, Interest Taxation, Portfolio Strategy: Q&A #2629 appeared first on The Retirement and IRA Show.

Fran Spielman interviews Chicago Civic Federation president and former inspector general Joe Ferguson about the pending sale of Chicago Parking Meters LLC's remaining 57 years to Stone Peak Partners, which City Council must authorize by Sept. 30. Ferguson says the city has limited leverage and should negotiate marginal contract improvements—especially reducing “true-up” reimbursements—rather than reject the transfer and risk lawsuits, financial damages, and reputational harm. 

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Military service offers more financial advantages than most Americans realize, but is staying for a 20-year pension always the smartest move? In this episode of the BiggerPockets Money Podcast, Mindy Jensen and Scott Trench sit down with Carol and Doug to discuss how military benefits can accelerate financial independence. They cover military pensions, VA disability compensation, TRICARE, reserve retirement, and the opportunity cost of leaving active duty for a civilian career. Carol shares how she left active duty after five years, joined the reserves, and built wealth through disciplined investing. Doug explains why military compensation is worth more than base pay alone, how to think about pensions as a probabilistic asset, and why quality of life should be part of every financial decision. Whether you're active duty, a reservist, a veteran, or pursuing Financial Independence (FIRE), this episode is packed with practical strategies for building long term wealth. To go beyond the podcast: Kick start your financial independence journey with our FREE financial resources - https://biggerpocketsmoney.com/ Subscribe on YouTube for even more content- www.youtube.com/biggerpocketsmoney  Connect with us on social media to join the other BiggerPockets Money listeners - https://www.facebook.com/groups/BPMoney Connect with Carol and Doug: Carol: https://www.facebook.com/NextGenFinance Doug: militaryfinancialindependence.com AND Nordsnords@gmail.com Resources from Todays Episode: https://themilitarywallet.com/leave-active-duty-for-reserves/ https://militarypay.defense.gov/Calculators.aspx https://militarypay.defense.gov/calculators/rmc-calculator/ https://tricare.mil/Plans/HealthPlans https://militaryfinancialindependence.com/2024/06/27/why-you-file-your-veterans-disability-claim-not-just-how/ We believe financial independence is attainable for anyone no matter when or where you're starting. Let's get your financial house in order! Learn more about your ad choices. Visit megaphone.fm/adchoices

With two big pensions in the mix, and a big pot of pre-tax money, should Roth conversions be the priority?Have a money question? Email us ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money LIVE⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠"Jill on Money" theme music is by Joel Goodman, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.joelgoodman.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Is private credit the pin that pops the market bubble? The short answer is no—but that’s the wrong question entirely. Private credit is now a $1.8–$3.5 trillion market, rivaling the entire U.S. leveraged loan and high-yield bond markets combined. It’s direct lending, shadow banking, and middle-market finance all rolled into one, and firms like Ares, Apollo, Blackstone, Blue Owl, and Morgan Stanley are at the center of it. Business development companies (BDCs), are gating redemptions. Pension funds, insurance companies, and retail investors are all exposed. And the Financial Stability Board issued a formal warning in May 2026. So what is private credit, how did it get this big, and what does it actually mean for the broader economy if it seizes up? In this episode, Max breaks down the entire private credit ecosystem—from its origins in post-2008 regulation to the mechanics of SOFR-linked floating rate loans, PIK interest, covenant-lite structures, and the $410–$540 billion in bank lending that ties the whole system together. We look at the BDC redemption crisis of 2025 and 2026, the First Brands and TriColor fraud cases and Jamie Dimon’s cockroach comment that won’t go away. Resources J.P. Morgan: Understanding Private Credit Bloomberg Television: Why Private Credit Is Not a Financial Crisis Threat Blackstone: What’s Really Happening in Private Credit? Expert Answers CNBC Television: Inside Alts: Private credit fears resurface CNBC Television: This is the start of a big crisis for private credit, says Verdad’s Rasmussen The Federal Reserve: Bank Lending to Private Credit: Size, Characteristics, and Financial Stability Implications Federal Reserve Bank of Boston: Could the Growth of Private Credit Pose a Risk to Financial System Stability? IMF eLibrary: Chapter 2 The Rise and Risks of Private Credit in: Global Financial Stability Report, April 2024 Financial Stability Board: FSB warns on private credit vulnerabilities NAIC: How State Insurance Regulators are Responding to Growth in CLOs and Private Credit Bloomberg: Ares Private Credit Fund Caps Redemptions After 14% Seek to Exit Bloomberg: Apollo Caps Private Credit Fund After 17% Request to Exit Bloomberg: Private Credit Is Still a Hot Asset for Bond Investors Buying Debt Bloomberg: Morgan Stanley Caps Private Credit Fund After 11.6% Exit Request Bloomberg: Cliffwater Private Credit Fund Stung by 17% Redemption Requests Bloomberg: Blackstone Limits Withdrawals From $79 Billion Private Credit Fund BCRED Bloomberg: Private Credit BDC Redemptions Exceed Fundraising for First Time The Lead Left: Middle Market & Private Credit – 1/5/2026 - The Lead Left Financial Times: US debt investors raise alarm over lending standards UNFTR Resources Video: Will Private Credit’s Death Spiral Pop the Market Bubble? Essay: Is Private Credit the Pin That Pops the Bubble? UNFTR Newsletter UNFTR Progressive Trivia -- If you like #UNFTR, please leave us a rating and review on Apple Podcasts and Spotify: unftr.com/rate and follow us on Facebook, Bluesky, and Instagram at @UNFTRpod. Visit us online at unftr.com. Become a member at unftr.com/memberships. Buy yourself some Unf*cking Coffee at shop.unftr.com. Visit our bookshop.org page at bookshop.org/shop/UNFTRpod to find the full UNFTR book list, and find book recommendations from our Unf*ckers at bookshop.org/lists/unf-cker-book-recommendations. Access the UNFTR Musicless feed by following the instructions at unftr.com/accessibility.Support the show: https://www.unftr.com/membershipsSee omnystudio.com/listener for privacy information.

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What do Civil War pension files reveal about one of history's most successful slave rebellions? Historian Edda Fields-Black joins Roman to trace a story of fire, flight, and freedom — beginning on a South Carolina rice plantation in 1863, where a Union raid liberated over 700 people in a single night. By unearthing Black soldiers' testimonies buried in military pension applications, they resurrect not just the raid, but the lives and communities it transformed. Subscribe to SiriusXM Podcasts+ to listen to new episodes of 99% Invisible ad-free and a whole week early. Start a free trial now on Apple Podcasts or by visiting siriusxm.com/podcastsplus. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.