Podcasts about pensions

This episode begins with a look at the changing career landscape as AI and automation reshape white-collar work. Don and Tom discuss a Wall Street Journal piece suggesting that some workers—and especially young people deciding on careers—may want to reconsider the trades and other blue-collar paths where demand and wages are rising. They explore shortages in skilled labor, the value of transferable business skills, and the importance of knowing yourself when choosing a career. Listener questions then cover whether Robinhood's transfer bonuses make the platform worth considering, the realities of starting a second career as a financial advisor later in life, and whether switching from the Avantis Global Equity ETF (AVGE) to the more value-tilted AVGV makes sense inside an IRA. 0:04 Why today's topic isn't investing but earning money—rethinking career paths in the age of AI 1:15 White-collar layoffs and stagnant wages: why some workers may reconsider the trades 2:32 Labor shortages in skilled jobs and the surprising opportunities in service and technical roles 3:31 Don's brief career as a car dealership service advisor—and learning to drive a stick shift the hard way 6:46 Apprenticeships, pay potential, and career ladders in skilled trades 9:05 Blue-collar employment rising among younger workers 9:47 Massive labor shortages: factory workers, construction workers, and auto technicians 11:35 Pensions today—why unions still offer them while many corporations no longer do 13:04 Career wandering in your twenties and discovering the right path 14:23 Listener Mike: Is Robinhood okay if you ignore the gambling features and just invest? 17:23 Listener Dominic: Starting a second career as a financial planner at age 55 19:14 Why great advisors succeed because of people skills—not investment knowledge 21:03 Will AI reduce the number of financial advisors needed? 23:18 Listener Angela: Switching from AVGE to AVGV inside an IRA 24:47 Risk differences between global equity and global value portfolios Learn more about your ad choices. Visit megaphone.fm/adchoices

Debt charity StepChange says its research suggests around 2.5mn people who have debt on a credit card have paid more in interest, fees and charges over the past 18 months than they have repaid off the debt itself. Its survey of 6,000 adults, done by the polling organisation YouGov, found 1 in 20 adults had this persistent credit card debt. Its calling on the regulator, the Financial Conduct Authority, to improve the lending rules to stop debt building up and and ensure banks are intervening sooner to support customers in difficulty. The FCA says its rules mean that lenders should only provide credit to people who can afford to repay.The government has started a hardship fund because thousands of newly retired civil servants have been kept waiting months for their pensions to be paid. The Public and Commercial Services union, which represents many civil servants, has described the situation as "catastrophic" and is calling for urgent action to put things right. In a joint statement Capita and the Cabinet Office said they are "deeply sorry for the worry, frustration, and distress this has caused." Adding they both take this responsibility "very seriously and are urgently working together to put this right."New figures show that banks are refunding more of the money stolen from customer accounts, following new rules which force them to do so.And as the big lenders offer mortgages worth six times people's salary, what does this mean for borrowers?Presenter: Paul Lewis Reporters: Dan Whitworth, Jo Krasner and Niamh McDermott Editor: Jess Quayle Senior News Editor: Sara Wadeson(First broadcast 12pm Saturday 7th February 2026)

The Washington State House has passed a controversial bill, HB 2034, that redirects $4.5 billion from the Law Enforcement Officers' and Firefighters' Retirement System Plan 1 (LEOFF 1) while simultaneously passing record tax hikes. Republicans and pension advocates are raising alarms about the long-term implications of this decision. While Democrats claim the fund is healthy and retirees will receive promised benefits, critics like Representative John Ley are skeptical, likening the promises to easily broken "pie crust promises." The bill terminates LEOFF 1, creates a new plan, and transfers the funds, raising concerns about future legislative raids on pension funds. This move comes despite warnings from pension analysts about overly optimistic investment growth projections that could undermine the system's health, prompting fears of potential negative impacts on retirees and the state's financial stability. Stay informed about this critical financial decision affecting Washington's public employees.

In this episode of V-FM Pensions hosts Darren and Nico chat to Now: Pensions' Samantha Gould. Samantha heads up Now's PR and campaigns and has been particularly vocal in campaigning about pensions inequality. We explore the structural drivers of the gender pensions gap and the wider challenge of under-pensioned groups. Samantha discusses her campaigning work since the first gender pensions gap report in 2019 (with the Pensions Policy Institute), which has since expanded to identify eight groups most at risk of pension poverty. A key theme is women's “squiggly careers”, where time out of the workforce for childcare or elder care, combined with the design of auto enrolment, prevents millions from building adequate pension savings. Samantha argues that reforms such as amending the auto enrolment rules, mandating pension sharing orders in divorce and improving childcare and maternity pension contributions could materially narrow the gap. The discussion touches on pension dashboards, the balance between income security and access to capital in retirement, and the meaning of value for money. For Samantha, it ultimately comes down to fairness... ensuring the pensions system works for people regardless of gender, background or career path.

In an era of political turmoil, rapid technological change, and shifting tax rules, internationally minded investors, especially expats, face a landscape that feels more uncertain than ever. Yet within that uncertainty are clear, practical steps you can take to protect your wealth, manage risk, and live well. When you're a British expat or US-connected family navigating dual tax UK and US rules, even small misunderstandings can lead to outsized financial consequences. The difference between confident decision-making and costly mistakes often comes down to working with the right international advisor and having a clear long-term plan.   In this episode of Expat Wealth, Richard Taylor – dual UK/US citizen and Chartered Financial Planner – is joined by James Boyle – Lead Financial Planner at Plan First Wealth to unpack the real-world financial conversations happening behind the scenes with globally mobile families. As technology evolves and more people turn to artificial intelligence for quick answers, it's becoming easier to find information, but harder to interpret it correctly. Tax language is nuanced. American tax reporting rules can carry severe penalties if misunderstood. For anyone moving to the US, moving to America, or building wealth while living internationally, context matters just as much as the rule itself.   You'll hear insights on:   The Supreme Court's recent ruling on Trump-era tariffs, the political fallout, and what all the uncertainty means for markets.   Growing anxiety around AI – shifting from pure optimism to a more mixed, sometimes fearful outlook – and how to stay invested and optimistic despite the noise.   Why the US is still likely to be the key engine for monetizing AI and human ingenuity, and why global diversification is still non‑negotiable.   A deep dive into the upcoming UK inheritance tax (IHT) changes on pensions (including SIPPs) from April 2027, and the potential strategy of using non‑UK situs assets (e.g., US ETFs) within Self-Invested Personal Pensions (SIPP).   --   Expat Wealth is supported by Plan First Wealth. Plan First Wealth is a Registered Investment Advisor serving fellow expatriates and immigrants living across the US on matters such as retirement planning, investment management, tax planning and non-US asset management.   https://planfirstwealth.com/   --   Expat Wealth is affiliated with Plan First Wealth LLC, an SEC registered investment advisor. The views and opinions expressed in this program are those of the speakers and do not necessarily reflect the views or positions of Plan First Wealth.    Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Plan First Wealth does not provide any tax and/or legal advice and strongly recommends that listeners seek their own advice in these areas.   ABOUT RICHARD: Richard Taylor is a British expat, dual citizen (UK & US). Originally from Bolton, he now lives in Greenwich, CT, where Plan First Wealth has its head office. As the firm's leader, Richard launched Taylor & Taylor, now Plan First Wealth, and continues to fuel the firm's growth. Richard is a Chartered Financial Planner (UK – CII) in addition to holding the IMC (CFA UK) and Series 65 (US – FINRA). Connect with Richard on LinkedIn

Pension indexation day is approaching on March 20. This is when your Age Pension payment will be adjusted to account for changes in inflation.  

“Revenue Is Loud. Wealth Is Quiet.”Is the laptop lifestyle dream… cracking a bit?In this episode, we're having the unfiltered chat that a lot of people are thinking about but not saying out loud.We're seeing long-time YouTubers and online creators quietly applying for corporate jobs again. Not because they “failed”. But because the creator economy isn't what it was 5 to 10 years ago..So let's talk about it properly.This episode is about:Entrepreneurship vs employmentOnline income instabilityAsset building vs chasing revenueBurnout in the creator and property spaceWhy predictable income is not a step backwardsAnd how to build wealth that survives without youIf you're building a digital business, growing a property portfolio, freelancing, or just feeling that low-level “what if this all disappears?” anxiety… this one's for you.Chapters 00:00 – The glamorised laptop lifestyleQuitting your job. Working from the beach. Passive income everywhere. But what's the actual cost of that path?06:00 – The truth about online incomeBrand deals end. Algorithms change. One month is amazing. The next is crickets. What that does to your nervous system long term.12:00 – Revenue is not wealthYou can earn a lot and still build nothing. Entrepreneurs chase income. Wealth builders chase assets.15:30 – Property isn't glamorous eitherDevelopers reinvest everything. Serious investors don't “look rich”. They build quietly.21:00 – The anxiety of building onlinePosting 3 times a day. Chasing views. Platform risk. What happens if TikTok disappears tomorrow?29:30 – Is going back to a 9–5 a failure?Or is it regulation and self-awareness? Why predictable cash flow can actually make you a better investor.33:00 – The boring wealth strategy that worksBuy-to-lets. Long-term rentals. Index funds. Pensions. The stuff that quietly survives pandemics and business dips.37:30 – Why we rebuilt the Honest Property MasterclassBecause we kept seeing burnout. People forcing big strategies that didn't fit their life. Over-leveraging. Ego decisions. Emotional margin gone.44:00 – Final questions to ask yourselfAre you chasing freedom… or the image of freedom? If nobody could see your life, what would you choose?Keywordscreator economy 2026, entrepreneur burnout, going back to a 9 to 5, online, business reality, digital business income instability, property investing UK, buy to let strategy, asset building vs income, aligned wealth, predictable cash, flow, freelancer finances, hybrid income model, platform risk, financial independence, wealth building without burnout

EP 412 - How far should UK employers go when it comes to looking after staff?In this episode we break down the real cost of being a “nice” employer - from UK statutory sick pay (SSP) and full sick pay policies to employee benefits, pensions, flexible working, and permanent health insurance (PHI).With major UK employment law changes coming, SMEs face difficult trade-offs:Is full sick pay worth the payroll cost?Does unlimited holiday actually work?Can generous benefits create legal risk?Are employers responsible for employees' long-term wellbeing?Featuring insights from Oury Clark's employment lawyer Jessica Bass and financial adviser Freddie Pattenden, this episode is a practical guide for SME founders, directors, and HR leaders navigating sick leave, compliance, retention, and post-COVID workplace expectations.If you run a UK business and want to balance competitiveness, fairness, and sustainability - this one's for you.*For Apple Podcast chapters, access them from the menu in the bottom right corner of your player*Spotify Video Chapters:00:00 Caring Without Going Broke00:57 Meet the Experts01:27 What Staff Really Want03:38 Compliance Value Competition05:28 PHI Income Protection Debate11:22 Post Covid Flex and Mental Health15:36 Legal Minimums Sick Pay Changes21:54 Morality Consistency and Flex26:15 Being Nice Can Backfire29:10 Structuring Benefits and Contracts32:09 Unlimited Holiday Pitfalls32:51 Unlimited holiday pitfalls34:50 Perks arms race37:07 SMEs vs big firms38:35 Pension basics explained39:43 Qualifying earnings trap42:41 Pensions and retention47:17 Salary sacrifice demystified54:43 Self employed pension gap55:06 Death in service cover57:15 Private healthcare reality59:19 Tailoring PMI benefits01:03:00 Managing premium increases01:04:43 Virtual GP and AI support01:06:16 Avoiding Benefit Red Herrings01:08:14 Flexible Benefits Allowance01:11:20 Renewals and Underwriting Traps01:13:47 Flexible Working Rights01:15:33 Office Returns and Discrimination01:19:49 Mental Health Boundaries01:21:46 Best Benefits and Compliance01:27:10 Business or BS Quiz01:27:55 Maternity and Paternity Debate01:34:28 Wellbeing Apps and Final WrapWatch and subscribe to us on YouTubeFollow us:InstagramTikTokLinkedinTwitterFacebook

5pm - GUEST - FORMER KING COUNTY SHERIFF DAVE REICHART // Former King County sheriff leads lawsuit blocking lawmakers from grabbing first responder pensions // Bill Gates Apologizes to Foundation Staff Over Epstein Ties // Gates’ admission conflicts with his statement last week // Chaos erupts as Hillary Clinton HALTS her Epstein testimony after MAGA lawmaker took photo of closed-door deposition // LETTERS

In this episode of V-FM Pensions, hosts Darren and Nico take a meander through some recent pension news stories. The pair discuss: Reform's proposal to consolidate the LGPS into a single UK-focused sovereign wealth fund and shift new entrants from DB to DC, questioning both the investment logic and the politics; the government's VFM framework, highlighting a core tension between a system measuring capital growth with policy prioritising retirement income outcomes; the unintended consequences of policy in motion; from salary sacrifice reforms that may disproportionately affect lower-paid workers, to scale tests in the Pension Schemes Bill that could shut out innovators.

In September 2023, police officers walked into house on Pump Hill in the village of Great Baddow, Essex. Standing in front of them was 35-year-old Virginia McCullough, who appeared calm and composed. But within moments, she was telling them her parents were dead, and that their bodies were still inside the house.For four years, John and Lois McCullough had seemingly vanished. Family was told they'd moved to the seaside. Friends were told they were unwell. Birthday cards and text messages still arrived. Pensions were still being paid. To the outside world, it looked like two elderly parents enjoying a quiet retirement, but behind drawn curtains, a very different reality had been sitting undisturbed since June 2019.Exclusive content:Patreon - Ad Free, Early Access, Exclusive EpisodesFollow the show:British Murders with Stuart BluesDisclaimer:The case discussed in this podcast episode is real and represents the worst day in many people's lives. I aim to cover such stories with a victim-focused approach, using information from publicly available sources. While I strive for accuracy, some details may vary depending on the sources used. You can find the sources for each episode on my website. Due to the nature of the content, listener discretion is advised. Thank you for your understanding and support. Hosted on Acast. See acast.com/privacy for more information.

In this instalment, Jeremy Goodwin speaks with James Ellis and Charlotte Cartwright about the practical implications of two significant forthcoming tax developments, the introduction of inheritance tax on certain pension benefits and the new ability to pay lump sums to members from DB surpluses.

In this first part of a two-episode investing special on A Little Bit Richer, our host Iona Bain sits down with financial educator and founder of Vestpod, Emilie Bellet, to explore the foundations of investing. Emilie and Iona talk through the differences between saving and investing and offer some tips for those who’re keen to build their longer term wealth. They delve into the emotional side of investing and how fear, greed, FOMO and panic can all influence our decisions, often at the worst possible moments. Emilie shares some of her early mistakes with tips on keeping calm in chaotic markets. Then they discuss balancing short-term goals with long-term investing. Whether you’re already investing, thinking about starting, or currently sitting on the sidelines, this episode will help you understand the mindset behind successful investing and why even small steps can make a meaningful difference, helping you be a little bit richer in the future. Stay tuned for Part Two where we’ll get practical on ways to build a diversified portfolio that works for you. You can watch episodes on L&G’s YouTube channel And see behind the scenes content on TikTok and Instagram You can play the podcast and find other useful content on L&G’s website: https://www.legalandgeneral.com/podcasts/a-little-bit-richer Follow Emilie on Instagram Iona and her guests share their own personal thoughts and opinions in this podcast. These might be different from L&G’s take on things. They give financial guidance for a UK audience that’s relevant at the time of recording. It’s general best practice, not the kind of personalised advice you’d get from a financial adviser.See omnystudio.com/listener for privacy information.

Significant tax relief is on the way for Saint Lucians as sweeping changes to the country's income tax regime take effect for the 2025 income year. The amendments, recently passed in Parliament, increase child allowances, expand deductions for mortgage interest and medical expenses, raise investment caps, and make pension income fully tax-exempt.

Pensions are arguably the most important investing accounts in the UK - but are you making the most out of yours?If you found this episode helpful, please share it with someone who'd benefit from hearing it. It's a simple way to help a friend or family member feel more confident about the world of finance.Thank you!

It's In the News.. a look at the top headlines and stories in the diabetes community. This week's top stories: big updates for stem cell and islet transplants, new pen option for Zepbound, an implantable insulin pump moves forward and more! Announcing Community Commericals! Learn how to get your message on the show here. Learn more about studies and research at Thrivable here Please visit our Sponsors & Partners - they help make the show possible! Omnipod - Simplify Life All about Dexcom  T1D Screening info All about VIVI Cap to protect your insulin from extreme temperatures The best way to keep up with Stacey and the show is by signing up for our weekly newsletter: Sign up for our newsletter here Here's where to find us: Facebook (Group) Facebook (Page) Instagram Check out Stacey's books! Learn more about everything at our home page www.diabetes-connections.com  Episode transcription with links: Welcome! I'm your host Stacey Simms and this is an In The News episode.. where we bringing you the top diabetes stories and headlines happening now. A reminder that you can find the sources and links and a transcript and more info for every story mentioned here in the show notes. Quick reminder: I'm just back from MNO DC and I'm exhausted. But it's the best kind of tired. We had an incredible time – hope you can join us in Nashville. With a reminder that we have our first Club 1921 in Nashville – that's our educational dinner series for HCPs and patient leaders. All the info is over at diabetes-connections.com events/     Okay.. our top story this week: XX An "immune system reset" eliminated Type 1, diabetes in mice in a study conducted at Stanford Medicine without immune suppressant medications. This was a combined transplant of blood stem cells and insulin-producing pancreatic islet cells from a donor whose immune profile did not match the recipient. The dual transplant approach both restored insulin production and retrained the immune system. For the full six months of the experiment, the animals did not need insulin injections or immune suppressive medications. Challenges remain using this approach to treat Type 1 diabetes. Pancreatic islets can be obtained only after death of the donor, and the blood stem cells must come from the same person as the islets. It is also unclear whether the number of islet cells typically isolated from one donor would be enough to reverse established Type 1 diabetes. But the researchers are working on solutions, which could include generating large numbers of islet cells in the laboratory from pluripotent human stem cells, or finding ways to increase the function and survival of transplanted donor islet cells. https://scitechdaily.com/stanford-scientists-cure-type-1-diabetes-in-mice-without-insulin-or-immune-suppression/ XX An electronic implant interlaced with islet cells is being looked at to treat type 1. Researchers at the University of Pennsylvania School of Medicine worked with engineers at Harvard University to combine stem-cell biology with soft electronics. They inserted an ultrathin, flexible mesh of conductive wires — thinner than a human hair — into developing pancreatic tissue. As the cells assembled into clusters, the mesh became woven through them. The electronics can record the faint electrical signals produced by the cells that control insulin release. They can also deliver small pulses of electricity back to the cells.   After several days, the cells began to behave more like mature islets. Their internal signalling shifted, neighbouring cells started working in concert and insulin release became stronger and better timed.  Very early on here – and the transplanted cells still need to be protected from being attacked by the immune system. https://www.thetimes.com/uk/science/article/first-cyborg-pancreas-implants-type-1-diabetes-nxkv8r0fp?gaa_at=eafs&gaa_n=AWEtsqeJYYUF9TMR-GgGUG92hPyog-ISeiqGIgdyaaIKKcpvhtoftGiUaaOtQeG0NWI%3D&gaa_ts=699c50d4&gaa_sig=w-PQ0ArosZSznYDSWEzt8aQg4WC0FF5ZFRt9NedO5sSTL2FyWzupH8eSG7RCy2S8TQnlHOeKCudANWm1MNI59w%3D%3D XX Katie Beth (hand) Eledon trial – aaron kowalski post linkedin. Last fall we told you about promising results from Eledon's drug to prevent islet transplantation rejection in type 1 diabetes. The first six patients no longer had to inject or infuse insulin.. the trials continue and this month one of the patients – Katie Beth Hand – began posting about her experiences one month in, on social media, she says she's off basal insulin already and in range 99 percent of the time. She is also encouraging people to learn more about support the islet act https://lnkd.in/e8pQ7_Y7 XX This is a bill introduced last November which would change the wording on pancreatic cell transplants. The problem is that islets are classified as drugs rather than organs, making transplantations difficult for medical teams and centers to preform due to accessibility. Insurance companies are also less likely to provide reimbursements for treatment, which can cost hundreds of thousands of dollars. The official Journal of The Transplantation Society estimates the cost at about $140,000. The bill went to the senate committee of Health, Education, Labor, and Pensions in early November. No other action has been taken since then. https://www.wtoc.com/2026/02/19/bluffton-family-advocates-islet-act-help-diabetic-son/ XX Big change for the obesity drug Zepbound – now available in the multi dose KwikPen. This is a month's worth of doses in a single pen.. and it's multi dose – you can adjust it. Cash-paying patients can get the multi-dose device, called KwikPen, on the company's direct-to-consumer website, LillyDirect. Prices start at $299 per month for the lowest dose level. Until now, you could only get zepbound in a single dose auto injector or a sing dose vial. In a release, Lilly said the Food and Drug Administration approved a label expansion for Zepbound to include the multi-dose device. The KwikPen is already used for other drugs, such as Lilly's popular diabetes medication, Mounjaro – which is the same medication as zepbound, they're both tirzepitide. https://www.cnbc.com/2026/02/23/eli-lilly-launches-zepbound-obesity-drug-pen-one-month-doses.html   XX For years, researchers have observed that people who live at high elevations,  tend to develop diabetes less often than those at sea level. Although the trend was well documented, the biological explanation behind it was unclear. Scientists now say they have identified the reason. Their research shows that in low oxygen environments, red blood cells begin absorbing large amounts of glucose from the bloodstream. Their work showed that when oxygen is limited, red blood cells use glucose to generate a molecule that helps release oxygen to tissues. This process becomes especially important when oxygen is in short supply. The researchers also found that the metabolic benefits of prolonged hypoxia lasted for weeks to months after mice were returned to normal oxygen levels. They then evaluated HypoxyStat, a drug recently developed in Jain's lab that mimics low oxygen exposure. HypoxyStat is taken as a pill and works by causing hemoglobin in red blood cells to bind oxygen more tightly, limiting the amount delivered to tissues. In mouse models of diabetes, the medication completely reversed high blood sugar and outperformed existing treatments. https://www.sciencedaily.com/releases/2026/02/260221060952.htm XX Watching this one closely – Portal Diabetes gets FDA breakthrough device designation for its implantable insulin pump system. This is a system that includes not just a device that's implanted into the abdomen, but also a new, temperature stable insulin. It will work with – quote – "modern" CGM technology with a fully closed loop - and aims to deliver a functional cure for type 1. While reports say Portal's system is the first in the US – there was an implantable pump developed and used by about 500 people worldwide, including about 100 in the US – by MiniMed. Medtronic bought the company and in 2007 they stopped that program. Portal Diabetes expects to begin clinical trials on its combination system around the fourth quarter of 2027. https://www.drugdeliverybusiness.com/portal-diabetes-fda-breakthrough-implantable-insulin-pump/ XX Sequel Med Tech and Senseonics (NYSE:SENS) today announced the full U.S. launch of their CGM and insulin pump integration. That's the eversense cgm and twist pump. Sequel said its full launch with Eversense 365 makes twiist available with two compatible CGMs. twiist also pairs with the Abbott FreeStyle Libre 3 Plus sensor. Eversense 365, an implantable system, rests under the skin for the duration of a year. Users can change its external, silicone-based adhesive daily with almost no skin reactions. https://www.drugdeliverybusiness.com/sequel-senseonics-full-launch-twiist-eversense/ XX Right back with a Dexcom update, and a look at which type of diet reduces insulin use overall.. right after this: -- Back to the news.. Dexcom is watching for expanded Medicare coverage of its continuous glucose monitors to people with Type 2 diabetes who don't take insulin. CEO Jake Leach told investors on Thursday that the company has been "sitting here waiting for a coverage decision" from the Centers for Medicare and Medicaid Services Dexcom started to see commercial coverage unlock for Type 2, non-insulin users toward the end of last year, Leach said. He expects broader Medicare coverage for that group would allow nearly 12 million people to access CGMs.     In the meantime, the American Diabetes Association updated its guidelines last year to recommend clinicians consider using CGMs for Type 2 diabetes when patients are taking glucose-lowering medications other than insulin. Leach said that real world data the company has been generating supports that decision, and that Dexcom has launched a registry for non-insulin users. https://www.medtechdive.com/news/dexcom-seeks-expanded-medicare-coverage-of-cgms-for-type-2-diabetes/812223/ XX Medtronic's separation of MiniMed is not yet complete.. but continues to move forward. The company has submitted their next pump – MiniMed Flex – to the FDA. This is a pump smaller than the 780G but uses the same reservoirs and infusion sets. It will also work with both the Simplera Sync and Instinct sensors. Medtronic also began a U.S. pivotal study for Vivera, its third-generation algorithm for automated insulin delivery. It also remains set to submit its MiniMed Fit patch pump system to the FDA by the coming fall. https://www.drugdeliverybusiness.com/medtronic-submits-minimed-flex-fda-q3/ XX A study modelling how genes may influence a child's body mass index over time has found that BMI at age 10 and overall growth rate between ages one and 18 might be important factors, as the two are more likely linked to diabetes, high cholesterol, and heart disease in later life. Nearly 66,000 BMI measurements from around 6,300 children and adolescents aged one to 18 were analysed to understand the role of genes.     "Future research is needed to help identify the most effective ages to prevent obesity or poor growth for long-term benefit." https://www.ndtv.com/health/bmi-at-age-10-growth-rate-up-to-age-18-are-important-factors-for-diabetes-heart-disease-study-11125146 XX A low-fat vegan diet—without cutting calories or carbs—may help people with type 1 diabetes significantly reduce how much insulin they need. In a new analysis published in BMC Nutrition, participants following the plant-based plan lowered their daily insulin use by 28%, while those on a portion-controlled diet saw no meaningful change. Researchers say the reduced insulin requirement likely reflects improved insulin sensitivity. The original 2024 study reported additional benefits from the vegan diet. Participants lost an average of 11 pounds and showed improvements in insulin sensitivity and glycemic control. Cholesterol levels and kidney function also improved among those following the plant-based plan. https://www.sciencedaily.com/releases/2026/02/260212234212.htm XX Interesting little tidbit from the Winter Olympic Games.. the World Anti-Doping Agency (WADA) was monitoring GLP drug use. An advisory group that makes recommendations about WADA's list of prohibited substances discussed the status of GLP-1 medications, and added semaglutide (Ozempic, Wegovy, Rybelsus) and tirzepatide (Mounjaro, Zepbound) to its monitoring program That means patterns of use of these drugs will be tracked both in and out of competition.  The finding will be used to make recommendations about whether GLP-1 agonists should be added to the prohibited list, the spokesperson explained. While GLP-1 drug use is not currently prohibited, that could change before the next Summer Olympic Games in Los Angeles in 2028, he noted. https://www.medpagetoday.com/popmedicine/cultureclinic/119770 XX That's it for in the news!

This week, Andrew and I answer your money questions, starting with Andrew's own real-time question: should he invest a lump sum all at once, dollar-cost average, or hold onto it in an attempt to time the market? We also answer other listener questions, including how to calculate your net worth, how to account for a pension in your retirement calculations, how to roll over a 401k from a previous job, thoughts on accessing retirement funds during a market downturn, tips for lowering bills, and tax and savings recommendations as you start to reach higher incomes.  Get the full show notes, show references, and more information here:  ⁠https://www.insideoutmoney.org/151-listener-qa-with-andrew-surviving-market-downturns-pensions-tax-savings-timing-the-market-dollar-cost-averaging-net-worth-calculations-401k-rollovers-and-more/⁠

Taxes can quietly shape some of the biggest financial decisions you'll ever make — from choosing how to take a pension to deciding how to leave money to your heirs. On this week's Money Matters, Scott and Pat take calls from listeners working through those exact issues. One caller is weighing a pension lump sum against monthly payments, and the tax consequences of that decision become central to the conversation. The guys also discuss how asset location affects tax efficiency, why different accounts are taxed differently, and how thoughtful planning can help reduce unnecessary taxes over time. They even explore ways to structure inheritances that protect beneficiaries while keeping taxes in mind. Join Money Matters:  Get your most pressing financial questions answered by Allworth's co-founders Scott Hanson and Pat McClain. Call 833-99-WORTH. Or ask a question by clicking here.  You can also be on the air by emailing Scott and Pat at questions@moneymatters.com. Download and rate our podcast here.

Pensions are a topic that dominate the financial landscape and for the past decade This is Money readers have had Sir Steve Webb on hand to answer their questions.A former pensions minister, Steve has been our weekly columnist for ten years and helped guide people through the maze of retirement finances.On this episode of the This is Money Podcast, Steve joins Georgie Frost and Simon Lambert to talk about what's happened over those ten years and discuss what you need to know about pensions.Whether they've been about saving for retirement, turning a pension into income, working out what the quirks of the state pension mean for you and much more, Steve has both helped the readers asking the question and the millions who have read the answers.Aided by This is Money's pension and investing editor, Tanya Jefferies, Steve has also undertaken campaigning journalism, exposing among other things the underpaid women's state pension scandal, which got us a mention in parliamentary reports.Also on this week's show, Simon reveals how to strike the best deal on a new car with the help of our industry insiders who know how much the salesman or woman will really knock off.Plus, if you get an inheritance you don't need, can you pass it on with incurring an inheritance tax liability yourself?And finally, just how good is Barclays' seemingly generous offer to pay you £1,000 for switching... and who exactly can get it?

Avec le passage de l'âge légal de la retraite à 66 ans, 2025 a vu environ 55.000 personnes de moins partir à la retraite par rapport à l'année précédente. Résultat? Une économie d'environ 632 millions d'euros sur les dépenses de pension, selon les calculs du Service fédéral des Pensions, obtenus par notre rédaction. Les droits de douane américains ont fait plonger les exportations d'acier européen de 30% en six mois. De quoi affaiblir un peu plus un secteur qui souffre déjà. Trafic de déchets, pollution de l'air et de l'eau, non-respect des permis d'environnement... La justice belge n’a pas les moyens de s’attaquer à la criminalité verte. C'est un problème pour l'environnement autant que pour les entreprises qui respectent les règles du jeu. Journaliste: Julie Vuillequez Le Brief, le podcast matinal de L'Echo Ce que vous devez savoir avant de démarrer la journée, on vous le sert au creux de l’oreille, chaque matin, en 7 infos, dès 7h. Le Brief, un podcast éclairant, avec l’essentiel de l’info business, entreprendre, investir et politique. Signé L’Echo. Abonnez-vous sur votre plateforme d'écoute favorite Apple Podcast | Spotify | Podcast Addict l Castbox | Deezer | Google PodcastsSee omnystudio.com/listener for privacy information.

In this episode of V-FM Pensions, hosts Nico and Darren welcome their first-ever podcast guest back to the show: David Butcher. They catch up with David to hear how his mindfulness coaching through Positively Aware is going and to get his thoughts on V-FM, trusteeship, and the insight he has gained from recent trustee experiences. David also shares a brilliant story about gatecrashing a festival… a moment that somehow didn't make it into his first appearance (and, honestly, the real reason we invited him back...). And to round things off, David leads listeners through a short meditation at the end of the episode.

Big financial decisions rarely happen in isolation, and many involve family, timing, and long-term consequences. In this mailbag episode, Trent and Brandon respond to listener questions that highlight the importance of thoughtful planning before making major moves. Tune in for a practical conversation for anyone navigating complex financial choices with real-world implications. Here's some of what we discuss in this episode:

In this episode, Evan  explains how Canadian government retirement programs (CPP, OAS, and GIS) work, emphasizing their value in retirement planning.

Les Ukrainiens et les Russes ont repris leurs pourparlers à Genève en Suisse sous médiation américaine. Des mois de retard pour les pensions. La musique d’ici porte chance aux athlètes des JO. Tour de table entre Isabelle Perron, Alexandre Dubé et Mario Dumont. Regardez aussi cette discussion en vidéo via https://www.qub.ca/videos ou en vous abonnant à QUB télé : https://www.tvaplus.ca/qub ou sur la chaîne YouTube QUB https://www.youtube.com/@qub_radio Pour de l'information concernant l'utilisation de vos données personnelles - https://omnystudio.com/policies/listener/fr

On this week's markets wrap, hosts Merryn Somerset Webb and John Stepek discuss a sharp market rotation driven by growing fears that AI will disrupt – rather than simply enhance – major sectors including legal services, wealth management, and digital platforms. As “old economy” stocks rise and Asian and European markets outperform, Merryn and John debate whether investors should shift away from the US and reassess opportunities in the UK, emerging markets, and smaller caps amid political uncertainty. See omnystudio.com/listener for privacy information.

Young People & Pensions – Interview with A. Siegmann – Ep.23 by Martens Centre

Key Topics Covered:  1. Why Goal Setting Often Fails (and What's Really Driving You)Everything you do day to day is largely driven by your subconscious mind.If you don't set a clear goal, your subconscious will follow your dominant thought, which can lead to drift or self sabotage.The difference between achievers and non achievers is often whether they have a system for setting goals in a powerful way.2. Brian Main's Story and the Origins of Goal MappingBrian grew up in a travelling funfair family, left school before 13, had dyslexia, and couldn't read or write properly.After the family business collapsed, he faced repossession, major debt, and a very dark period personally.Personal development and goal setting became life changing, leading to the creation of Goal Mapping and a global coaching network.3. Why Words and Pictures Work Better Than Words AloneThe subconscious pays far more attention to images than to repeated written statements.Goal mapping combines clarity and precision (words) with subconscious impact (pictures).Brian explains why vision boards often fail: they may have pictures, but lack words, timelines, plans, and structure.4. The Seven-Step Goal Mapping ProcessDream: create a clear picture of successPriority: choose the main focusWhat: define the goals (often five on one map)Why: identify emotional reasons that keep you in the gameWhen: set start and target datesHow: map the key steps along the timelineWho: identify support and the qualities you must embody (for example “I am focused”)5. Daily Review, Brain States, and Making Goals “Stick”Brian recommends reviewing your map daily, ideally in the first hour after waking.This is when your brain is in alpha rhythm, with a much stronger connection to the subconscious.Reviewing daily for around 30 days helps form new neural connections and beliefs (brain cells that fire together, wire together).6. How to Write Goals So Your Subconscious Understands ThemAvoid negative goals like “I don't want debt” or “I lose 15kg” because the subconscious struggles with “don't” and abstract negatives.Write goals as affirmations: personal, positive, present tenseExamples: “I feel fantastic and free at 88kg” or “I am mortgage free”.7. Financial Goals: Getting Specific and Finding Your NumberFinancial freedom goals need a number, not vague phrases like “I'm abundant”.WealthBuilders' approach: design your perfect year, price it up, then divide by 12 to estimate your monthly recurring income target.The number can evolve, but having a destination helps you measure the gap and build a plan.Actionable Takeaways:Use a system, not willpower: goal achievement improves when the goal is set clearly and reviewed consistently.Combine words and pictures to speak to both your logical mind and subconscious mind.Review your goal map daily, ideally in the first hour after waking, for at least 30 days.Write goals in personal, positive, present tense and focus on what you want, not what you don't want.For financial goals, pick a specific number based on the lifestyle you want, then build a plan around it.Resources & Next StepsGoal Mapping: Create a free goal mapDownload our FREE Pensions and Inheritance Tax GuideWealthBuilders Membership: Free access to guides, webinars, and communityConnect with Us:Listen on Spotify, Apple Podcasts, YouTube, and all major platforms.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!

Superannuation, investing, retirement strategies, estate planning, pensions, tax and finances. Nick Bruining, independent financial advisor, joins Philip Clark on Nightlife to answer listener questions, and give advice about the latest finance news. 

Don and Tom step away from pure investing talk to explore how AI, layoffs, and stagnant wages are reshaping career paths—especially for young people and midlife career changers. Drawing on a Wall Street Journal article, they make the case that skilled trades and blue-collar careers are increasingly attractive alternatives to vulnerable white-collar jobs. They discuss service advisor roles, union trades, and apprenticeship paths, then pivot to listener questions on Robinhood bonuses, switching to financial advising later in life, and the risks of moving from AVGE to AVGV. Throughout, they emphasize self-knowledge, discipline, and long-term thinking—whether choosing a career or building a portfolio. 0:04 Why this episode is about earning money, not just investing 0:31 Encouraging parents to rethink college-only career paths 1:15 AI, layoffs, and the shrinking white-collar job market 2:32 Crash Champions and the rise of service advisor careers 3:31 Don's dealership days and why he left the car business 5:12 Learning to drive stick shift the hard way 6:46 Apprenticeships, $60K starting pay, and growth potential 7:34 Work-life balance in blue-collar vs. white-collar jobs 8:36 Why contractors struggle with communication and planning 9:05 Demand for skilled trades and handyman services 9:47 Labor shortages: factory, construction, and auto techs 10:36 Demographics and the retirement of skilled workers 11:35 Pensions, unions, and taking responsibility for retirement 12:45 Finding yourself in your 20s and career experimentation 13:04 New Tales Told plug and early radio career story 14:23 Listener: Robinhood bonuses and disciplined investing 15:41 Why Robinhood encourages risky behavior 17:23 Listener: Becoming a financial advisor at 55 18:31 Barriers to entry and starting an independent RIA 19:14 Why people skills matter more than math skills 20:45 How AI will reshape the advisory profession 22:07 Shift from brokerage to fiduciary advising 23:18 Listener: Switching from AVGE to AVGV 24:47 Risk tolerance and fund volatility 26:31 Splitting funds and managing behavioral risk Learn more about your ad choices. Visit megaphone.fm/adchoices

Sign up to my email newsletter - https://www.makingmoneysimple.co.uk/NewsletterWorkplace pension YouTube video - https://youtu.be/idEI30WR5RYHow I can help you - https://www.makingmoneysimple.co.uk/-----------------------------------------More investing:

Chris's SummaryJim and I discuss spending anxiety in retirement using a Washington Post article written by a personal finance columnist describing her fear of spending after her husband retires. We look at why the shift from saving to spending can feel destabilizing even when pensions and Social Security are in place, and why fear can persist despite adequate planning. We also address the difference between spending income and spending savings, and how that distinction often affects behavior once retirement begins. Jim's “Pithy” SummaryChris and I use a Washington Post article as a jumping-off point to talk about the moment retirement stops being theoretical and the fear around spending often shows up. The part that stuck with me in this situation is that nothing went wrong. One spouse retires. The other is still working. Pensions are there. Social Security is there. The house is paid off. And the fear shows up anyway. That's what made me save the article in the first place. She writes about personal finance for a living, and she's still cutting small expenses, feeling better for five minutes, and then right back to worrying. I've said it before, and I'll say it again—I don't expect to be immune to that when it's my turn. What keeps coming up for me is how differently people react to where the money comes from. Most people are comfortable spending a pension check or a Social Security deposit. It's like a bottomless cup of coffee—you don't think about the last sip because another one's coming. But savings? That's different. Even when the math works, even when the plan says you're fine, drawing from something you've built for decades feels heavier. That's where the spending anxiety shows up. Spending slows down. Decisions get second-guessed. Things get pushed out a year at a time. Not because people can't afford them, but because the shift from saving to spending is uncomfortable. Show Notes: Article: My husband just retired. I’m scared of running out of money. The post Retirement Spending Anxiety: EDU #2605 appeared first on The Retirement and IRA Show.

Property expert and investment strategist Ravi Sharma joins James Smith to reveal the problem with the global housing market. This is no longer just a hurdle for first time buyers; it is a systemic time bomb that is stripping away financial agency and threatening the future of social mobility. The quiet crisis of skyrocketing prices is not an accident of the market, but the result of a rigged system that prioritizes corporate incentives over human survival. Ravi Sharma's YouTube Channel: https://www.youtube.com/c/PersonalFinancewithRaviSharma We cover: ⬛ Why Housing Affordability is a Global Crisis ⬛ Property, Pensions and the Rigged System ⬛ The Truth About Mortgages and Wealth Building ⬛ Renting for Freedom vs Buying for Status

What if the retirement number you’ve been chasing was never the right one? This episode challenges the headline-driven belief that everyone needs the same seven-figure nest egg and explores why real retirement security looks different for every household. The conversation breaks down how income sources, cost of living, pensions, Social Security, market risk, and taxes shape what actually matters once the paycheck stops. Through real-world scenarios and practical framing, the discussion reframes retirement from a single savings target into a coordinated income plan—one that focuses on sustainability, clarity, and control rather than fear-based assumptions. Want to begin building your retirement and tax plan? Click Here to Schedule a 15-minute Discovery Call Follow us for more helpful insights:

Multi-generational living is becoming a more common response to the uncomfortable realities facing ageing parents and their adult children.With traditional aged-care pathways increasingly expensive, emotionally fraught, and often poorly understood, families are weighing up alternatives — staying at home, moving into residential care, or reshaping the family home through shared living arrangements and granny flats.In this episode, we look under the hood of multi-generational living to explore what's actually involved. From legal ownership and estate outcomes to pension eligibility, Centrelink rules, and family dynamics, we unpack the decisions families are making — and the risks they often don't see until they're already committed.Our guest, Adriana Care, is Managing Partner at Coutts Legal and works at the coalface with families navigating these choices under pressure. She's seeing a clear shift among the so-called sandwich generation toward property-based solutions for ageing parents — raising complex questions around money, fairness, control, and what can go wrong when good intentions meet poor planning.This episode isn't about whether multi-generational living is right or wrong. It's about understanding the legal, financial, and practical realities behind these decisions before they become permanent.Episode Highlights01:18 — Meet Adriana Care of Coutts Legal02:08 — Is Aged Care Failing Modern Families?03:47 — The Legal and Financial Risks Families Miss05:25 — Why Families Choose Multi-Generational Living15:31 — Retirement Living vs Staying at Home20:50 — How Retirement Village Contracts Really Work25:40 — What to Know Before Making a Family Move28:10 — Inside Retirement Village Agreements28:55 — Disclosure Documents Explained29:40 — Rules and Regulations That Catch Families Out30:52 — How Family Dynamics Shape Care Decisions32:21 — Financial Elder Abuse: Legal Warning Signs35:29 — Binding Financial Agreements Explained37:46 — Pensions, Gifting, and Centrelink Rules40:21 — Why Downsizing Isn't Always the Answer44:02 — Granny Flat Arrangements: Legal Traps49:42 — A Real Case That Shows What Can Go WrongAbout the GuestAdriana Care is the Managing Partner at Coutts Legal, where she specialises in aged care and elder law. She works closely with families navigating some of the most complex and emotionally charged decisions around ageing, care, and family living arrangements.Adriana advises clients on the legal and financial realities of home care, residential aged care, granny flats, and multi-generational living, with particular expertise in Centrelink rules, pension eligibility, and intergenerational asset arrangements. Working at the coalface, she sees first-hand how well-intentioned plans can unravel without clear structures, proper advice, and early conversations — especially for the sandwich generation balancing parents, children, and property decisions at the same time.Connect with AdrianaLinkedInCoutts Lawyers (Instagram)ResourcesVisit our website: https://www.theelephantintheroom.com.auIf you...

In this episode of Money Matters, Scott and Pat break down a big shift for higher earners: the new 401(k) Roth rule that changes how catch-up contributions work. If you're over 50 and earning a solid income, this could seriously affect your retirement plan. They also cover smarter tax strategies and take listener calls. A recent retiree wonders if buying a rental property makes sense. Then, Scott and Pat help a man from Virginia with a textbook example of how to balance pensions, Roth IRAs, and tax diversification as retirement nears. Whether you're saving, converting, or rethinking your retirement goals, this episode brings clarity, strategy, and a dose of straight talk. Join Money Matters:  Get your most pressing financial questions answered by Allworth's co-founders Scott Hanson and Pat McClain. Call 833-99-WORTH. Or ask a question by clicking here.  You can also be on the air by emailing Scott and Pat at questions@moneymatters.com. Download and rate our podcast here.

There's been a stark warning to MPs about the number of women pensioners living in poverty. The House of Commons Work and Pensions committee has been hearing the pension system is dysfunctional, and contributing to more gender disparity, that's according to the feminist economic think tank the Women's Budget Group, which gave evidence this week. Anita Rani is joined by their incoming director Dr Daniella Jenkins and Sarah Pennells, consumer specialist at Royal London finance company.It's less than a week to go until the Winter Olympics gets underway in Italy. With a record 47% of female athletes competing, the games will be the most gender-balanced in Winter Olympic history. Two women who are gearing up to cover every twist and turn of these Games are former two-time Winter Olympic snowboarder and broadcaster Aimee Fuller and Jeanette Kwayke, who'll be fronting the BBC's coverage as part of an all-female line up alongside Clare Balding and Hazel Irvine.The writer and performer Paris Paloma has a new single out today about women's bodies called Good Girl. Paloma joins Anita to sing and talk about her music, including her 2023 track Labour about women's unpaid work which started a social media trend as women around the world related the song to their own experiences with sexism.Presenter: Anita Rani Producer: Dianne McGregor

There's been a stark warning to MPs about the number of women pensioners living in poverty. The house of commons work and pensions committee has been hearing the pension system is dysfunctional, and contributing to more gender disparity, that's according to the feminist economic think tank the Women's Budget Group, which gave evidence yesterday. Anita Rani is joined by their incoming director Dr Daniella Jenkins and Sarah Pennells, consumer specialist at Royal London finance company.New figures revealed in a super-complaint suggest tens of thousands of sexual offence investigations are taking years to complete with some stretching beyond seven years to complete. Campaigners say excessive police delays are causing serious harm to survivors leaving them in limbo and may even be breaching their human rights. The complaint has been submitted by a coalition of legal and support organisations including Cambridge Rape Crisis Centre. Anita is joined by one of the co-authors, Ellie Ball, an Independent Sexual Violence Advisor Manager, who's helped survivors of sexual violence navigate the criminal justice system for over a decade.Madeleine Gray's first book Green Dot was a big hit and she's just published her second novel – Chosen Family. She joins Anita to discuss her fairy tale debut novel story, how then writing a second was daunting and why your ‘chosen family' is so important.Is there a gender gap when it comes to using AI? Journalist Olivia Petter says the men she meets are obsessed with using it but believes that women are far more cautious. Studies show women are less likely to use AI in the workplace. As the government rolls out free AI training for every UK adult, the question is: what happens if women don't feel equally confident or equally protected in this new AI driven world? Olivia and Prof Gina Neff from the  Minderoo Centre for Technology and Democracy at the University of Cambridge join Anita to discuss. Presenter: Anita Rani Producer: Corinna Jones

January 27th, 2026

Splitting up assets in a divorce can get complicated, especially when there are retirement accounts involved. My guest in this episode is Divorce Attorney, Liz Felt Wakeman, who offers information and advice on making sure things are fair and equitable, and that you don't make mistakes that could cost you down the road. 

Crystal brings you first report on Fern. Pensions and join the conversation on Reddit on the sub Reddit Morgs with crystal clear.

Lucky Lou is 48, burned out and wants to punch at 50. How should he bridge the gap before pensions and Social Security? Joe Anderson, CFP®, and Big Al Clopine, CPA walk through the Rule of 55, 72(t)s, and the psychological reality of spending down a taxable account, today on Your Money, Your Wealth® podcast number 565. Alexei and Anna are high earners in their mid-20s who want to save aggressively and keep taxes low. Which retirement accounts should they prioritize, and can they afford a downpayment on a house? Jay and Gloria are wrestling with the classic question of whether to save to Roth or traditional 401(k), especially since their state doesn't tax retirement income. Is taking the deduction now and backdooring Roths the smarter move? Plus, Sleepless in Seattle wants to know, can her 28-year-old daughter afford to buy a condo in a high-cost housing market? Finally,  Jennifer in Texas wonders how to invest and withdraw an inherited IRA over the 10-year rule with the least tax damage. Free Financial Resources in This Episode: https://bit.ly/ymyw-565 (full show notes & episode transcript) The Last 5 Years Before Retirement Will Decide Your Lifestyle - Here's How - YMYW TV Guides:  Growing Your Wealth Tax-Free Retirement One Big Beautiful Bill Act Blogs:  A Market of Stocks Why AI May Not Be a Bubble Should You Own Gold Instead of Stocks? Financial Blueprint (self-guided) Financial Assessment (Meet with an experienced professional) REQUEST your Retirement Spitball Analysis DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter   Connect With Us: YouTube: Subscribe and join the conversation in the comments Podcast apps: subscribe or follow YMYW in your favorite Apple Podcasts: leave your honest reviews and ratings   Chapters: 00:00 - Intro: This Week on the YMYW Podcast 01:04 - Can I Retire at 50 with $5M and Bridge the Gap to Pensions and Social Security? (Lucky Lou) 10:51 - Which Retirement Accounts Should Young High Earners Max First? Can We Afford a House Downpayment? (Alexei & Anna, Cincinnati) 17:57 - Save to Roth 401(k) or Traditional If Our State Doesn't Tax Retirement Income? (Jay & Gloria, People's Republic of IL) 28:21 - Should a 28-Year-Old Buy a Home in an Expensive Market? (Sleepless in Seattle) 37:15 - How to Invest for Most Growth and Least Tax on an Inherited IRA? (Jennifer, TX) 41:04 - Outro: Next Week on the YMYW Podcast

What if the secret to a confident retirement isn’t how much you’ve saved, but where you place it? In this episode, Ryan Herbert breaks down the real meaning of guaranteed income and why retirees with secure monthly sources often enjoy their money more. You’ll hear how to calculate what you truly spend, how to match that number with dependable income streams, and how to balance guaranteed funds with market‑based investments. Ryan also explores annuities, pensions, Social Security, and why the right mix is different for everyone. Want to begin building your retirement and tax plan? Click Here to Schedule a 15-minute Discovery Call Follow us for more helpful insights:

Today my guest is Renuka Sane who is the managing director of Managing Director of Trustbridge. An institution that seeks to improve India's business environment by improving the rule of law. Renuka was a member of many expert committees including: the Task Force of Experts set up by the Employees Provident Fund Organisation; the research team of the Bankruptcy Legislative Reforms Commission; the Pension Advisory Committee of the Pension Fund Regulatory Development Authority; and the Working Group on personal insolvency at the Insolvency and Bankruptcy Board of India. She received a Ph.D. in Economics from the University of New South Wales.  We talked about the old, new, and unified pension scheme and related reforms over the last few decades in India, India's broader financial regulation framework, separation of powers in regulatory authorities, the way regulatory orders are written, and much more.  Recorded December 17th, 2025. Read a full transcript enhanced with helpful links. Learn more about The 1991 Fellowship. Connect with Ideas of India Follow us on X Follow Shruti on X Follow Renuka on X Click here for the latest Ideas of India episodes sent straight to your inbox. Timestamps (00:00:00) - The 1991 Fellowship (00:01:09) - Intro (00:02:49) - India's Pension System (00:35:42) - Private Sector Pension Schemes (01:06:28) - Regulatory Orders (01:24:03) - Improving Transparency at the Reserve Bank of India (01:34:57) - Outro  

As we step into 2026, the pensions landscape is evolving rapidly. To help you stay ahead, we've brought together leading experts in DB, DC, and pension policy to explore the changes that matter most, and what you need to do now to prepare.

Steve is joined by Ivey Gruber, President of the Michigan Talk Network, for a wide-ranging, common-sense conversation. They start with the everyday headaches of home disasters, and why having a reliable team of tradesmen matters. Then, they turn to Washington excess, including Joe Biden's massive pension and perks. Would the Founding Fathers approve of politicians getting rich in office? They also tackle insider trading by elected officials and wrap up with a jaw-dropping story of a bluefin tuna selling for more than $3 million.

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.patreon.com/LadsAnonPod⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 

Jeremy Keil explains the 5 steps you can take if you are planning to retire in 2026 or 2027. If you've been planning to retire in 2026 or 2027, it might feel like you still have plenty of time. But in reality, retirement has a way of showing up earlier than expected — and when it does, the people who feel the most confident are the ones who prepared well in advance. In this episode of Retire Today, I walk through five things you should do before you quit working if retirement is anywhere on your near-term horizon. These steps aren't about picking a perfect retirement date. They're about being ready — even if your plans change. Why You Should Prepare Earlier Than You Think Two important statistics shape this entire conversation. First, the stock market is historically up about 70% of the time in any given year. That also means it's down about 30% of the time. If you're retiring soon, there's a real chance that your account balances could be lower at retirement than they are today. Second, most Americans retire about three years earlier than they expect. Health changes, job shifts, burnout, or family needs often move retirement forward — whether planned or not. That's why I encourage people to prepare for retirement three years ahead of time, even if they believe they'll work longer. Planning early gives you flexibility. Waiting too long removes it. 1. Create a Written Retirement Plan The first and most important step is to put your plan in writing. Many people have a retirement date in mind, but when asked how everything will actually work, they don't have clear answers. A written plan forces clarity. This is where the 5-Step Retirement Plan comes in: What you'll SPEND What you'll MAKE What you'll KEEP after taxes How you'll INVEST What you'll LEAVE behind Writing this down helps turn vague ideas into an actionable roadmap — and exposes gaps before they become problems. 2. Build a Lifetime Income Plan Retirement isn't about having a big account balance — it's about knowing where your income will come from every month. Before you retire, you should know: How much income you need Where that income will come from Which accounts you'll use first How taxes affect each withdrawal At a minimum, you should map out the first 12 months of retirement income in detail. That includes Social Security, pensions, savings, brokerage accounts, and retirement accounts — and the tax rules that apply to each one. Surprises here are costly. Planning removes them. 3. Make Your Retirement Plan Tax-Smart Many people assume their taxes will automatically go down in retirement. Sometimes that's true — but not always. Pensions, Social Security, required minimum distributions, and investment income can push retirees into higher tax brackets than expected. The key is understanding when you'll have flexibility and using it intentionally. Retirement often creates opportunities to: Shift income between tax years Take advantage of lower tax brackets Manage Roth conversions strategically Plan around healthcare subsidies Taxes don't disappear in retirement — they change. Planning ahead helps you adapt. 4. Plan Your Retirement Healthcare Healthcare is one of the biggest unknowns in retirement. Before you retire, you should know: What coverage you'll use immediately What it will cost How that coverage changes over time When Medicare becomes part of the picture Options may include employer coverage through a spouse, COBRA, retiree health plans, ACA plans, or Medicare — and each comes with different costs and rules. Healthcare planning isn't just about insurance. It's about understanding how medical costs interact with your tax plan and your income strategy. 5. Create a Retirement Investment Plan Retirement changes your investment timeline. You're no longer investing only for growth — you're investing for income and stability, too. That means separating your money into: Short-term funds for near-term spending Long-term investments for growth over decades Money you'll need soon shouldn't be exposed to short-term market swings. At the same time, money you won't need for many years still needs growth to keep up with inflation. The right investment plan balances both — and helps prevent panic decisions when markets get volatile. The Bottom Line If you're planning to retire in 2026 or 2027, now is the time to prepare. Not because something bad will happen — but because preparation gives you options. Retirement doesn't have to be so stressful. With a written plan, a clear income strategy, smart tax planning, healthcare clarity, and a thoughtful investment approach, you can step into retirement with confidence — whenever it arrives. Don't forget to leave a rating for the “Retire Today” podcast if you've been enjoying these episodes! Subscribe to Retire Today to get new episodes every Wednesday. Apple Podcasts: https://podcasts.apple.com/us/podcast/retire-today/id1488769337 Spotify Podcasts: https://bit.ly/RetireTodaySpotify About the Author: Jeremy Keil, CFP®, CFA® is a financial advisor in Milwaukee, WI, author of the bestseller Retire Today: Create Your Retirement Master Plan in 5 Simple Steps and host of both the Retire Today Podcast and Mr. Retirement YouTube channel Additional Links: Buy Jeremy's book – Retire Today: Create Your Retirement Master Plan in 5 Simple Steps Create your retirement master plan in 5 simple steps: www.5StepRetirementPlan.com  Connect With Jeremy Keil: Keil Financial Partners LinkedIn: Jeremy Keil Facebook: Jeremy Keil LinkedIn: Keil Financial Partners YouTube: Mr. Retirement Book an Intro Call with Jeremy's Team Media Disclosures: Disclosures This media is provided for informational and educational purposes only and does not consider the investment objectives, financial situation, or particular needs of any consumer. Nothing in this program should be construed as investment, legal, or tax advice, nor as a recommendation to buy, sell, or hold any security or to adopt any investment strategy. The views and opinions expressed are those of the host and any guest, current as of the date of recording, and may change without notice as market, political or economic conditions evolve. All investments involve risk, including the possible loss of principal. Past performance is no guarantee of future results. Legal & Tax Disclosure Consumers should consult their own qualified attorney, CPA, or other professional advisor regarding their specific legal and tax situations. Advisor Disclosures Alongside, LLC, doing business as Keil Financial Partners, is an SEC-registered investment adviser. Registration does not imply a certain level of skill or expertise. Advisory services are delivered through the Alongside, LLC platform. Keil Financial Partners is independent, not owned or operated by Alongside, LLC. 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In this episode of The Problem With Podcast, James Smith sits down with Damien Jordan, the voice behind the hugely popular YouTube channel Damien Talks Money, for a no-nonsense conversation about money, taxes, investing, and the uncomfortable truths most people ignore. Damien breaks down why the average person feels poorer despite “doing everything right,” how inflation and fiscal drag quietly erode wealth, and why property, pensions, and taxes are stacked against younger generations. From inheritance tax and housing shortages to crypto hype, market timing fears, and whether moving abroad actually solves anything. This episode challenges how you think about money and the system around it.

It's a listener question special, and grill master Jack is ready to push the pace. Learn more about your ad choices. Visit megaphone.fm/adchoices

THE TOWNSEND PLAN, FATHER COUGHLIN, AND THE THIRD PARTY THREAT Colleague David Pietrusza. Dr. Francis Townsend's popular plan for old-age pensions pressured Roosevelt, who disliked "the dole," into creating Social Security. Concurrently, Father Charles Coughlin, the influential "Radio Priest," turned against Roosevelt after feeling used and ignored, specifically following a meeting at Hyde Park arranged by Joe Kennedy. Coughlin allied with Townsend and Huey Long's successor, Gerald L.K. Smith, to form a third party aimed at throwing the election to the House of Representatives. Despite their massive radio audiences, these political amateurs failed to get on the ballot in key states like New York and California. NUMBER 3