Podcasts about pensions

Happy Father's Day! Adam walks through the money lessons a lot of us picked up from our dads and grandfathers. The advice came from a good place and from real experience. The trouble is that the world they lived in looked almost nothing like the one we are retiring into now. Pensions are mostly gone, people are living longer, healthcare costs keep climbing, and the tax code is more complicated than it has ever been. Adam goes through the old rules one at a time. Cash is king. All debt is bad. Never touch the principal. Social Security has you covered. The stock market is a casino. He explains what still holds up, what quietly works against you today, and where a fiduciary actually earns their keep. There is plenty here for everyday savers and a few good reminders for advisors too. It is a warm, honest conversation, and a pretty fitting tribute to Dad. Episode Timestamps 00:00 – Why following outdated money advice can quietly cost you 01:00 – Father's Day setup and how Dad's financial era was different 02:00 – "Cash is king" and the hidden cost of inflation 02:40 – Why hating all debt can work against you 03:30 – "Never touch the principal" and modern income planning 04:30 – What Social Security was really designed to do 05:30 – The market scar that became a family money philosophy 06:30 – Why retirement doesn't reward improvising 07:30 – Honoring Dad by getting your own house in order Key Takeaways

In a recent interview with Alan Skorski, Dr. Jacob Agronin, a cardiology fellow, detailed the antisemitism he and other Jewish physicians face within their union — the Committee of Interns and Residents (CIR) — and explained why he felt compelled to testify before Congress. Dr. Agronin appeared before the House Subcommittee on Health, Employment, Labor, and Pensions to highlight what he described as the union's adoption of positions aligned with Hamas and Hezbollah supporters, amid broader concerns about antisemitism infiltrating healthcare — a field many expected to remain free of political and religious conflict. CIR, which represents more than 37,000 physicians and is affiliated with the Service Employees International Union (SEIU), has passed resolutions declaring Israel guilty of “apartheid” and “genocide,” endorsing the Boycott, Divestment and Sanctions (BDS) movement, and directing the union to oppose candidates who support legislation criminalizing BDS. The resolutions also reject equating antisemitism with anti-Zionism and claim that concerns over rising antisemitism are being exploited to stifle anti-Zionist organizing, according to Agronin's testimony. The union has also expressed support for figures associated with Hamas and Hezbollah, including Mahmood Khlail, a former Columbia University student targeted for deportation by the Trump administration. In his interview with Skorski, Agronin recounted noticing troubling signs about the union approximately a year ago when his hospital voted to join CIR. He described being disturbed by the organization's focus on anti-Israel positions that have nothing to do with patient care or medicine. When asked what motivated him to testify, Agronin told Skorski: “I didn't want any of this… but someone had to stand up and say something.” Agronin, a cardiology fellow at Temple University Hospital in Philadelphia, emphasized two primary concerns for Jewish doctors: being forced to pay dues to a union they did not choose that targets them and Israeli colleagues, and the politicization of medicine. He argued that CIR's resolutions align it with activists who disrupted college campuses following the Hamas-led Oct. 7, 2023, massacre in Israel. In the interview, Agronin noted that he first became aware of rising antisemitism on college campuses about 10 years ago and was surprised to see it extend into healthcare. He connected with the American Jewish Medical Association and the National Right to Work Legal Defense Fund for support before his congressional testimony. The testimony and interview come as reports of antisemitism in medical settings — including calls to exclude Israeli doctors and hostile environments for Jewish patients and providers — have increased since Oct. 7 -VIN News Watch the interview on YouTube: https://www.youtube.com/watch?v=Ni9pERXNv2Q Alan Skorski Reports 14JUNE2026 - PODCAST

In this episode of the Crazy Wisdom Podcast, host Stewart Alsop sits down with client strategist Amadeus Huff to cover a wide range of topics that wind their way from the nuts and bolts of recruiting and payment models to the rapidly shifting landscape of AI adoption in business. The two dig into how AI tools are reshaping client success roles, the murky territory of recording laws and privacy in a globalized world, the geopolitical implications of oil supply chains, sanctions, and the rise of domestic tech ecosystems in countries like Russia and Argentina, and what all of this means for the future of human connection and the nation-state. Amadeus closes on an optimistic note, arguing that as AI takes over bureaucratic busywork and erodes trust online, people will increasingly hunger for genuine human relationships and third spaces. You can connect with Amadeus Huff on LinkedIn.Timestamps00:00 - Stewart introduces Amadeus Huff, diving into recruiting as building connections between job seekers and employers with minimal variance.05:00 - Amadeus discusses AI adoption pitfalls, comparing aggressive growth strategies to Amazon's early model, questioning whether tools deliver promised results.10:00 - Conversation shifts to AI notetaking versus human perception, exploring probabilistic interpretation differences between humans and machines.15:00 - Recording consent laws debated across states, touching on Waymo surveillance, Uber data collection, and public versus private space definitions.20:00 - Global privacy landscape examined, covering Swiss banking secrecy erosion, ProtonMail's departure, and RISC-V semiconductor development escaping US jurisdiction.25:00 - Sanctions creating domestic innovation ecosystems discussed through Russia's example, paralleling Argentina's emerging commerce evolution.29:00 - Closing reflections on AI replacing bureaucracy while preserving human purpose, optimism about meaningful work and deeper personal connections emerging.Key Insights1. Recruiting is fundamentally about reducing variance between what job seekers want and what employers offer. The most ethical payment models in recruiting are tied to proven success, such as waiting three months to confirm a hire is working out, rather than collecting fees the moment a contract is signed.2. Business thinking has shifted from shareholder value to stakeholder value, meaning companies now consider the wellbeing of employees, families, and communities, not just stock price. This shift is accelerating due to AI overpromising and underdelivering, making value-based measurement more important.3. AI is most useful when it handles administrative tasks that provide no direct value to customers, such as transcribing meetings and populating CRM systems. This frees up workers to focus on meaningful relationship-building and intellectual work rather than bureaucratic busywork.4. There is an important distinction between recorded and unrecorded conversation in professional settings. Building trust through informal off-the-record dialogue before switching on a transcription tool creates clearer boundaries and stronger relationships with clients.5. Sanctions tend to follow a bell curve of effectiveness. Over time they force sanctioned countries to build domestic alternatives, which gain adoption and loyalty, ultimately reducing the influence of the original foreign companies once sanctions lift.6. AI is degrading trust in online information to the point where people will increasingly crave authentic human connection, physical gathering spaces, live experiences, and real relationships rather than algorithmically generated content.7. AI is quietly improving intergenerational relationships by removing codependency. When elderly parents learn to use AI for technical help, their calls to family members shift from problem-solving to genuine connection, which strengthens the relationship.

In this episode of V-FM Pensions, hosts Darren and Nico are joined by Paul Maynard, former Pensions Minister and MP for Blackpool North and Cleveleys. In a wide ranging chat about pensions, politics and what really happens inside government, we cover pension dashboards, Mansion House, productive finance, consolidation, tax relief, the Pensions Commission and why policy often looks very different from the ministerial hot seat. Paul also brings a powerful constituency perspective, challenging some baked in industry assumptions as he does so. We discuss how Paul got into politics and pensions and, of course, find out what value for money means to him.

Why Do We Ignore Our Pensions? I ignored my own pension for years, even while I worked in a bank. In this solo episode I talk about why pensions feel so easy to avoid, and the simple steps that turn them from a distant worry into real opportunity. Why do so many of us look away from our pensions? They feel distant, complicated and invisible, so the statements go in a drawer and we promise to deal with it another day. In this episode I am honest about the fact that I did exactly that for years, even while I worked in financial services. ----- If you want more from the podcast, take our quiz. We'll give you playlists that are full of exactly the information you want from the podcast. https://evolutionfinancialplanning.co.uk/financial-well-being-quiz/podcast-financial-wellbeing-quiz/ ----- I share the moment pensions went from a chore to something I genuinely love, and why I see what they do for my clients every week. One couple I worked with can now retire ten years earlier than they thought and spend that time travelling while they are fit and well. That is what a well planned pension can buy. Not just security, but opportunity. I also talk about the psychology of avoidance, the tax relief and employer contributions that behave like free money, the confusion that builds up when you have several old pensions, and why a new job is often the moment people finally start to pay attention. Then I share the practical steps that move you from avoidance to control. Key Takeaways · A pension is one of the few places your employer and the government top up your money for you · Avoidance is usually overwhelm, not laziness · Finding old pensions and keeping a simple list is the best first step · Consolidation can help or hurt, so understand what you hold before moving anything · Plan around the future life you want, not just the size of the pot If you do one thing this week, go and find your pensions and make a list. If you would like a second pair of eyes, you can book a no obligation conversation with me or my team at Evolution Financial Planning. Follow Accelerating Your Wealth wherever you listen, and don't forget to take our financial well-being quiz to get playlists matched to what you need.   --------------------------------------------------------------------------------------------------------------------------------- Connect with Rebecca Robertson and the Podcast: Subscribe for weekly wealth-building strategies: https://www.youtube.com/@rebeccarobertsonifa Instagram: https://www.instagram.com/rebecca_robertsonifa & https://www.instagram.com/acceleratingyourwealth LinkedIn: https://www.linkedin.com/in/rebecca-financial-advisor Facebook :https://www.facebook.com/RebeccaRobertsonwealth www.evolutionfinancialplanning.co.uk Disclaimer: This content is for educational and informational purposes only and should not be construed as financial advice.

June 11, 2026 ~ Detroit News reporter Beth LeBlanc talks with Paul W about how 41 former Michigan lawmakers are collecting six-figure 'Cadillac' pensions. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this Meaningful Money Q&A episode, Pete and Roger answer six listener questions on pensions, retirement planning and tax for a UK audience. We cover whether to put life insurance into trust, how to reduce the 60% marginal tax trap around £100k income, and whether taking a defined benefit pension early can make sense when health is a factor. Plus, we explain the Royal Mail Collective Defined Contribution (CDC) pension, share practical guidance on dealing with overseas pensions, and discuss when to take 25% tax-free cash for the best outcome. Shownotes: https://meaningfulmoney.tv/QA51    01:36  Question 1 Hi both, I have a question relating to discretionary trusts for life insurance policies. I'm from Scotland, 37, married with 2 young children and have a life assurance policy with Vitality which is currently not in trust. I was considering putting into a trust for the benefits associated to inheritance tax but was looking to get your opinion on whether it was necessary or not, and what the pros/cons are. Thanks, Marc 05:46  Question 2 Hi Pete and Roger I am a relatively latecomer to the podcast - its been a year or so now but your work makes the complications of planning for retirement so much more understandable so thank you for bringing clarity to a very difficult subject. I have two first world questions if I may.  Neither are time critical. I am in a fortunate position.  DB pensions will kick in over the next 2 years (I am 63) totalling circa £75K pa and with the state pension at 67 it won't be very long - if tax thresholds and rates don't change - before I will be hitting the 60% effective rate.  So to delay the inevitable, I am thinking I will need to contribute to a DC pension!  As I understand it, if I have a DC scheme for three tax years and presumably contribute to such a scheme each year (say £100?) in the year I hit the £100K income, I will be able to contribute gross £3600 x 4 (so £2160 pa or £8640 in total, less any annual contributions along the way) in the first year or with care spreading that amount over 2-3 years to ease the tax burden.  I realise when the money is withdrawn it will still be taxed at my marginal rate, but maybe the 60% marginal rate will have been removed by then - I can hope!  Is that right?  Have I missed anything or are there any other techniques generally available? I am also in a position that when my wife and I both die, unless carehome fees have eaten into the estate, there will be inheritance tax to pay as our combined wealth is well over £1m and we have already given away what we reasonably can to our children.  As I understand it, inheritance tax is payable 6 months after death but all being well probate will be granted well before that so our bank accounts can be used to pay the tax (our children have financial and health powers of attorney but they are irrelevant on death).  Apart from incredibly expensive life assurance or a lifetime gift of cash for this purpose, is there anything else we can do to facilitate payment (the nature of our affairs means there's not much more we can do to mitigate the liability itself, ie the vast majority of the value is in the family home!) Many thanks, David   11:46  Question 3 Hi Roger and Pete,   First of all thank you for all the content you provide, it has been incredibly useful as I start to really take the idea of early retirement seriously.   I am 49 and looking to retire as early as financially possible as I have medical issues that mean my life expectancy is somewhat curtailed - though I plan on defying the inevitable for as long as possible.   I have a DC pension which I plan to access as soon as I stop working in hopefully 10 years' time. I also have an index-linked deferred DB pension which provides a 50% widows pension as one of the benefits.   I am torn between accessing this 6 years early (with a 25% reduction) as I start drawing from my DC pension, or delaying so that my wife is better taken care of later in life. Whatever I choose, all the projections seem to stack up that my DC pension should last into my 90s, but I'm acutely aware that I will probably want to go a bit overboard when I first retire and try to maximise travel and experiences.   My question is, am I missing something in the DB trade off?  Assuming I live a while after retiring, accessing the pension early will take a decent amount of time before we're financially worse off than we would have been if we'd waited (~13 years). However the combined loss of my state pension and the smaller DB income could leave my wife short of funds.   I would really appreciate your perspective on this scenario and anything else you think I might want to consider, many thanks again for all of your words of wisdom, Dan Meaningful Academy Retirement Planning: https://meaningfulacademy.com/retirementplanning  19:40 Question 4 Hi Pete and Roger! My partner works for Royal Mail, she is under the new starters contract and started in 2022, at which point the pension scheme was a typical defined contribution scheme with very generous contribution levels from the employer of 10% with a 6% contribution from the employee. This was 'easy' to make assumptions on for compound calculations to plan for our very far away retirement as we are both currently 27 years of age. Now this brings me to today's pension scheme, which is known as a Collective Defined Contribution plan. I'm struggling to find any information on this type of scheme as it seems to be the first of its kind in the UK, and seems to have been used for a while in the Netherlands. Now the wording of the scheme seems to be worded as if it's a Defined Benefit scheme with a lump sum being paid at retirement age and a 'Guaranteed income for life' amount being paid each month, however it has the caveat that the payout per month may decrease if investments do not perform as expected for better or for worse, so this is not a guaranteed amount at all in reality. The issue I have with this is that with a standard DC scheme like my own, if I was to die either before or during retirement, the remaining money in the pot would be inherited by my surviving spouse or if she was to pass away before I do, it would go to the next nominated beneficiary. With the Collective DC scheme, it's worded that if my partner was to die before she claimed it then I would receive the 'income for life' portion at a reduced rate of 50% and lose out on the lump sum entirely or if she was to pass away after claiming it then she would clearly receive the lump sum and I would remain to collect 50% income for life for as long as I remain alive. This seems to be very unfavourable for anyone receiving the benefit of this scheme on the whole. Now with some calculations, not using exact figures but somewhere close, I've just done some comparisons as the new Collective DC plan was sold as far and away a better option than the old DC Plan, but I cannot find a way for it to make sense. It's hard to see how this new scheme is better in any way compared to the old scheme, even if the contributions from the employer look more generous on paper. Is there something I am completely missing or misunderstanding with this new type of pension scheme? I have not seen much content online about it at all and would love for this to be featured in a podcast episode or video or even just for a chat on this matter as I feel very underwater with this. I can't seem to find a good way to factor this pension into our plan as we do plan to retire before the age of 67, this is just the age stated on the CDC scheme for payout so this is the assumption I am working with. There is an option to opt out of the CDC plan and join a regular NEST DC plan instead but this only has 4% employer contributions on top of the 5% employee giving a yearly contribution of x per year. I suppose my main gripe would be how much you would lose out on if the worst was to happen as traditionally this would remain as a pot for next of kin to inherit, however if my partner and I both passed away at age 70 (I certainly hope not!) and didn't have kids under the age of 18, the entire amount of money would be lost. This is the part I'm struggling to wrestle and the NEST pot even looks appealing with this in mind. I know the future is uncertain and we could live to 100, but the chances are relatively low. Apologies this got a bit long and ranty, I would appreciate any feedback. Keep up the amazing work and I have learned loads from your content over the years. Many Thanks, Joe 29:56 Question 5 Hi Pete and Rodger, Like many people these days, I spent part of my career working overseas. I'm now 52 and have been thinking about how best to deal with personal pensions I accrued while working abroad, in my case, in Japan and the United States (both broadly equivalent to 401(k)-type schemes). While working overseas, I didn't accrue sufficient qualifying years to receive any state pension benefits, but I did build up some company personal pension entitlements. The amounts are relatively small (less than £100k in total), which makes me question whether it's worth the time and cost of seeking formal financial advice. My UK-based pensions and ISAs are relatively straightforward and well organised, but these overseas pots feel more cumbersome by comparison. I imagine there must be many people in a similar position, holding small overseas pension pots and unsure what the most sensible approach is. From an administrative perspective, it feels as though the simplest option may be to access these pensions as soon as I reach the relevant retirement ages, rather than continuing to manage them long term. That said, I'd welcome any general thoughts or guidance on typical approaches people take in this situation, and any obvious pitfalls to be aware of. Many thanks, Lawrence Perceptive Planning - https://www.perceptiveplanning.co.uk     34:20  Question 6 58 now and both thinking of retiring at 61 with no mortgage and kids self sufficient. At age 61 we will have around £300k in savings (inc stocks n shares ISAs, cash ISAs, Premium Bonds and Bank Accounts) and between us will have around £450k in Pensions at age 67 and the wife will get a £7k a year NHS DB pension. Our idea is to live off the cash first from age 61 till age 67 to let the pension pot grow to its absolute max and then draw down the 25% tax free to add to state pension at age 67 then live off the rest at about 4% per year BUT others say take the tax free 25% before 67 because if do it at 67 it will add to the state pension taking you over the personal allowance! We want to let the pot grow more for actual retirement age of 67 onwards and leave more for the kids inheritance long term if we don't use it all so unsure what to do. For clarity, it's our intention to lump sum some money in to our pensions and ISAs in April with some of our 'available cash' and may also lump sum in to my Stocks n Shares ISA to leave it growing for say between 8 to 15 years until we need it. Any advice welcome, Steven. James Shack video on Withdrawal Strategy  https://www.youtube.com/watch?v=d4MDvcEcHXI   

On Wednesday's Morning Focus, Alan Morrissey was joined live in-studio once again by Tommy Corbett of Carey Corbett Financial Solutions. Tommy Corbett spoke about financial considerations for co-habiting couples when it comes to life insurance and pensions. Image (c) Clare FM

Pensions & Investments reported that several pension funds called SpaceX governance reckless ahead of a potential IPO. The funds cited concentrated control, limited transparency, and questions about board independence and risk oversight. They warned of forced buying pressures if index and benchmark mandates require purchasing shares after a listing. SpaceX has used company-led secondary tenders, with media reporting valuations above $180 billion in 2024. Underwriters and counsel typically address such concerns with detailed prospectus disclosures and governance structures, including independent directors and potential voting right sunsets. Founders preparing for public markets can mitigate risks by clarifying governance, tender policies, and disclosures early.Learn more on this news by visiting us at: https://greyjournal.net/news/ Hosted on Acast. See acast.com/privacy for more information.

Workplace pension plans in Canada are undergoing significant transformation, as organizations seek innovative ways to modernize benefit delivery and enhance member experience. In this episode, listeners will hear from leading voices who combine hands-on operational expertise with research and advocacy in pension design and outcomes.The discussion draws on insights gathered from conversations with more than 15 leaders and subject matter experts across the pension, technology, and consulting sectors. Plannera shares practical lessons from its recent journey through system conversions and member experience transformation, offering real-world strategies for navigating complex change. These operational perspectives are complemented by research-driven analysis on member needs, demographic trends, and the evolving retirement landscape.Listeners will gain a comprehensive understanding of current challenges and opportunities in workplace pensions, along with actionable guidance to support modernization efforts and drive better outcomes for plan members.Tune in to join our discussion on the practical realities and emerging considerations shaping plan member experience today.This presentation contains the presenter'spersonal views and not those of CIBC Mellon or any other person. It may beconsidered advertising, and provides general information only and neither thepresenter nor CIBC Mellon nor any other person are, by means of thispresentation, rendering accounting, business, financial, investment, legal,tax, or other professional advice or services.  This presentation isintended for general informational purposes only. It may not be regarded ascomprehensive nor as a substitute for professional advice.  Before takingany particular course of action, contact your professional advisor to discussthese matters in the context of your particular circumstances.  Neitherthe presenter nor CIBC Mellon accept responsibility for any loss or damageoccasioned by your reliance on information contained in this presentation. ©2026 CIBC Mellon. CIBC Mellon is alicensed user of the CIBC trade-mark and certain BNY trade-marks, and is thecorporate brand of CIBC Mellon Trust Company. None of CIBC Mellon TrustCompany, CIBC, The Bank of New York Mellon Corporation and their affiliatesmake any representations or warranties as to its accuracy, currency orcompleteness, makes any commitment to update any information.  No part ofthe presentation is an offer or solicitation in respect of any particularstrategy and may not be construed as such.  Services referred to may notbe offered in all jurisdictions nor by all companies.CIBC Mellon does not provide investment orasset management services. This presentation, either in whole or in part, mustnot be reproduced nor referred to without the express written permission ofCIBC Mellon. Trademarks, service marks and logos belong to their respectiveowners.

Avec : Jérôme Lavrilleux, propriétaire de gîtes en Dordogne. Pierre Rondeau, économiste. Et Emmanuelle Dancourt, journaliste indépendante. - Accompagnée de Victor Pourcher et sa bande, Estelle Denis s'invite à la table des Français pour traiter des sujets qui font leur quotidien. Société, conso, actualité, débats, coup de gueule, coups de cœurs… En simultané sur RMC Story.

In this episode of V-FM Pensions, hosts Darren and Nico catch up on a whole host of topics that are currently making the pensions news. We talk about Retirement CDC, Pensions UK Retirement Living Standards, the PPI Megafunds report, and start to unpack some of the key themes from the Pensions Commission's interim report.

Pensions policy shapes outcomes across generations. In this episode of Hymans Robertson On…, our panel explore how we can build a system that works for everyone.They discuss the pressures facing both public and private pensions, from the rising cost of the state pension to the shift from defined benefit (DB) to defined contribution (DC), which has moved risk onto younger savers.The potential for collective defined contribution (CDC) schemes is also explored. The conversation looks at whether meaningful change is possible, including how automatic enrolment could evolve and how policy might better support financial resilience, while improving retirement adequacy.They close by challenging whether the current system works for everyone, highlighting gaps for part-time workers and the self-employed, and the need for a more inclusive approach to pension design.Hymans Robertson disclaimerThis podcast has been prepared by Hymans Robertson LLP, and is based upon our understanding of events as at release date. It is designed to be a general summary of topical investment matters and is not specific to the circumstances of any particular employer or pension scheme. The information contained in this podcast should not be construed as advice and not be considered as a substitute for specific advice as the information is generic in nature. Where a podcast refers to legal matters please note that Hymans Robertson is not qualified to provide legal opinion and therefore you may wish to obtain independent legal advice to consider any relevant law and/or regulation. Hymans Robertson LLP accepts no liability for errors or omissions. Your Hymans Robertson LLP consultant will be pleased to discuss matters raised in this podcast in greater detail. Guests views are separate to that of Hymans Robertson.The information provided in this broadcast is not financial advice. Past performance is not a guide to the future. Please note the value of investments, and income from them, may fall as well as rise. This includes but is not limited to equities, government or corporate bonds, derivatives and property, whether held directly or in a pooled or collective investment vehicle. Further, investments in developing or emerging markets may be more volatile and less marketable than in mature markets. Exchange rates may also affect the value of investments. As a result, an investor may not get back the full amount of the original investment. Past performance is not necessarily a guide to future performance. Hymans Robertson LLP is authorised and regulated by the Financial Conduct Authority and Licensed by the Institute and Faculty of Actuaries for a range of investment business activities.

In this episode, Martin Lewis unpacks what's really happening with energy prices and the energy price cap—what it means for your bills right now, what's likely coming next, and the practical steps you can take to protect your household finances. From fixed vs variable tariffs to whether now is the right time to switch. We dive into the surprising world of lost and forgotten money, shining a spotlight on the billions that could be sitting unclaimed in old accounts, refunds, or schemes many of us have simply forgotten about. Martin explores where this money commonly hides, including dormant bank and savings accounts and unclaimed pension pots from previous jobs. Tell Us is all about when you have found money you didn't know you had. From rediscovered savings accounts to surprise payouts decades later, the episode celebrates the unexpected windfalls—including a caller who found money in her knicker draw. Steffan Powell is presenting instead of Adrian Chiles this week. In Mastermind Martin asks him about reclaiming student loan overpayments before guiding listeners through how to check if they've paid too much and how to get that cash back. It's quick, practical, and could put real money back in your pocket. 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 ice cream flavour, if he's ever pondered the meaning of life, or have a very complicated question about your personal finances, email it to MartinLewisPodcast@bbc.co.uk.

Part 2 of our UK pensions series, this episode covers everything you need to DO if you want to simplify your pensions without making expensive mistakes. You'll learn how to take stock of every pot, spot safeguarded benefits you should never move casually (like DB pensions and protected tax-free cash), and compare charges and platforms properly. We also break down transfer mechanics and the big decision: how simple you actually want your setup to be, while keeping your investment strategy and beneficiaries up to date. If you want a calmer, practical guide to pension consolidation in the UK, this is for you. Shownotes: https://meaningfulmoney.tv/session624 01:16 Summary of KNOW 06:26 DO - Take stock 08:18 DO - Identify what should NEVER be moved casually 13:21 DO - Compare charges properly 15:30 DO - Assess the quality of each existing provider or platform 18:55 DO - Decide what level of simplicity you actually want 19:44 DO - Understand transfer mechanics 24:13 DO - Be deliberate about investment strategy AFTER consolidation 25:45 DO - Update beneficiaries and records 27:20 DO - Decide YOUR threshold for "tidy enough" 29:40 Summary of DO Pension Consolidation Checklist - https://meaningfulmoney.tv/consolidationchecklist   

This podcast is released as part of a collaboration between Fiftyfaces Productions and the Always a Pensions Angle Podcast produced by DG Publishing.  Nick Dixon is Head of Pensions, Avon Pension Fund, which he has led since 2022.  Avon Pension Fund serves c.140,000 members in the public sector across Bristol, Bath and surrounding areas and is now a partner fund of Local Pensions Partnership.  Previously Nick advised private sector wealth platforms on their pensions and investment proposition. He was CIO of Aegon UK from 2013-21, focused on DC workplace pensions. From 2001-13 Nick was Marketing Director for wealth & pensions platform Quilter.Our conversation has a particular focus on an engagement exercise that Avon conducted around the fund's investment in aerospace and defence companies. Nick explained that during 2024 and 2025 the fund received a lot of petitions from its members who were deeply concerned about the war in Gaza, and the indirect role of aerospace and defence companies in supplying Israel. In response to that, a critical stakeholder issue, they conducted a survey of all members. We opened up the issue to bring out a set of trade-offs, including the importance of NATO defence, the concern about arms impacts on the environment, the fact that they kill innocent civilians. The consultation had reasonable engagement - with 11% of the fund members responding, and the result was that 42% wanted to divest, about 47% said they'd like to remain invested, and about 11% said they didn't know. The fund did not consider this a clear mandate to divest – and therefore decided to remain invested.We discuss the importance of engagement generally as well as this critical, sometimes emotive, issue, which has emerged for many local authority pension funds. We reflect on whether surveys and engagement in this way could be a way forward for other funds in the future as these issues continue to gain traction with the underlying beneficiaries and stakeholders. 

The Department for Work and Pensions is in the process of hiring nearly 500 new members of staff to help clear the Access to Work backlog and tackle long delays. The Access to Work scheme can help disabled people gain and maintain employment by providing funding for things like support workers and assistive tech. A review of the scheme is currently underway which aims to reform the scheme as it is struggling to keep up with rising demand, these new recruits are a separate measure by the department which aims to quicken the processing of people's claims. In Touch speaks to Minister for Social Security and Disability Sir Stephen Timms about these new roles. For the first time, the UK communications regulator Ofcom is introducing access requirements for streaming services like Amazon Prime Video, Disney Plus and Netflix. This is following the Media Act 2024, and Ofcom's proposals will not only apply for audio description, but also for subtitling and signing. Cathy Taylor is part of Ofcom's Broadcasting Team and describes to In Touch what these new requirements could look like, and about a consultation which is seeking the views of access service users. Contact details for Ofcom's consultation are below: General advice telephone number: 0300 123 3333 Consultation email address: Tier1accessibility@ofcom.org.uk And the consultation web page: https://www.ofcom.org.uk/tv-radio-and-on-demand/accessibility/tier-1-accessibility-code Closing date for responses: 7th August 2026Presenter: Peter White Producer: Beth Hemmings Production Coordinator: Helen Surtees Website image description: Peter White sits smiling in the centre of the image, wearing a dark green jumper. Above Peter's head is the BBC logo (three individual white squares house each of the three letters). Bottom centre and overlaying the image are the words "In Touch"; and the Radio 4 logo (the word Radio in a bold white font, with the number 4 inside a white circle). The background is a bright mid-blue with two rectangles angled diagonally to the right. Both are behind Peter, one of a darker blue and the other is a lighter blue.'

Nick Bruining, independent financial adviser, joins Nightlife regularly to talk about the ever-changing world of business and finance and what these changes mean for you.

In this episode of The Martin Lewis Question Time Podcast, Martin takes on your consumer rights questions including to cancel or not to cancel old credit cards, higher paycheck or higher pension contributions, and if Martin were King for a day, what three laws would he introduce?There's a question about the rules when it comes to paying tax on benefit payments, Martin explains the rules and regulations.With so many competing credit card providers, Martin takes a question on how's best to balance closing old cards with maintaining your credit score, and how to hope between different cards unscathed.There's a question asked about a showdown between an impressively high pension contribution versus a potentially massive increase in pay. Martin explains the pros and cons of each. There's also a feel‑good moment, with a success story from a listener who successfully used Gift Aid on their charitable donations, and Martin delivers a little refresher on Gift Aid for those who want to use it to the fullest.Plus, Martin considers an alternate universe where he is in charge of Britain, and thinks of three laws he would enact for the good of the consumer.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 ice cream flavour, if he's ever pondered the meaning of life, or have a very complicated question about your personal finances, email it to MartinLewisPodcast@bbc.co.uk.

Hur mycket kan du egentligen påverka din pension och varför känns ett av livets viktigaste ekonomiska beslut ofta så krångligt att man helst skjuter upp det? I veckans avsnitt av Pengapeppen gästas Moa Tyborn av Shoka Åhrman – sparekonom, författare och en av Sveriges mest uppskattade röster inom privatekonomi. I ett varmt, inspirerande och väldigt konkret samtal hjälper hon oss att reda ut pensionsdjungeln och visar att pension faktiskt inte handlar om siffror och blanketter, utan om frihet, valmöjligheter och framtidsdrömmar. Vi pratar om varför så många känner oro inför pensionen, hur pensionssystemet egentligen fungerar, vad den allmänna pensionen, eget sparande och tjänstepensionen betyder för din framtida ekonomi och vilka små saker du kan göra redan idag för att ge ditt framtida jag bättre förutsättningar. Dessutom pratar vi om ekonomiskt självförtroende, vanliga missuppfattningar och varför det aldrig är för sent att börja ta tag i sitt sparande. Helt enkelt ett avsnitt som ger både kunskap, framtidstro och konkreta verktyg för att skapa en ekonomiska trygghet, både idag och imorgon.   Höjdpunkter: 03:06 Pengar handlar inte om pengar – det handlar om frihet 08:35 Kommer dagens unga verkligen få någon pension? 09:25 Nio av tio har tjänstepension – men många vet inte om det 12:07 Den lilla pensionsdelen som kan göra stor skillnad 14:35 När ska man börja pensionsspara? Shokas svar överraskar 17:13 “Det är inte för sent” – därför kan du börja även efter 50 19:34 Därför får kvinnor fortfarande betydligt lägre pension än män 25:31 Varför unga känner pensionsångest – och varför de inte behöver göra det 26:26 Sluta tänka pension – börja tänka på ditt framtida drömliv 33:32 Om Shoka fick ge sitt 25-åriga jag ett enda ekonomiskt råd

Don celebrates the continued success of the Friday Q&A format and the encouraging first week of sales for his novel The Line Uncrossed, including a strong Kirkus review, before tackling a series of listener questions centered on retirement income and fixed income investing. He explains how his combination of cash reserves, a CD ladder, and bond funds supports a disciplined withdrawal strategy, discusses why diversified bond funds like BND still play an important role in reducing portfolio volatility, rejects the idea that Social Security and pension income should be counted as bond allocations within an investment portfolio, argues against the concept of a reverse glide path that increases stock exposure later in retirement, and shares lessons learned from decades of entrepreneurship about balancing investments in a business versus the market. Throughout the episode, he emphasizes diversification, discipline, investor behavior, and the importance of managing volatility rather than chasing returns.0:05 Why listener questions remain Don's favorite part of talk radio after 40+ years1:16 Friday Q&A episodes continue to be the most downloaded shows each week1:50 Easier ways to submit questions through the redesigned Talking Real Money website2:42 First-week sales update on The Line Uncrossed and reader support3:21 Positive Kirkus review and details on the ebook bundle4:48 How Don uses cash, bond funds, and a CD ladder during retirement8:00 Why BND and total bond market funds remain useful fixed income tools11:22 Should Social Security and pensions count as bonds in your allocation?14:26 Why Don believes reverse glide paths are a bad retirement strategy17:34 Investing in your own business versus investing in the market21:23 Why compliance reviews delay listener questions from airingQuestions? Comments? Click!

This podcast is the latest in our collaboration with the Always a Pensions Angle podcast produced by DG Publishing. Peter Wallach is Director of Pensions at Merseyside Pension Fund, a position he took up in April 2007. He started his career in private banking, where he worked in the City for 12 years. In 1997 he joined Close Wealth Management as an investment manager, and in 2004 he joined Merseyside Pension Fund. Our discussion, which is Peter's first time being interviewed by Aoifinn Devitt, so his first appearance on the podcast, was a long time coming, in that Peter has been a long-term steady hand in the LGPS, combining investment acumen with operational insight.  Our discussion focused on the evolution at Northern LGPS and we asked what needed to evolve there to meet the new demands of pooling. Peter cites the benefits of collaboration between pools an effective way of delivering the government's agenda and he mentions both GLIL, as well as a housing initiative that Northern is working on with LPPI. He also mentions the potential for collaboration with DC master trusts as they grow in scale. We touch then on the fund's responsible investment policy and how that will evolve under pooling and Peter mentions the fund's baseline as well as its interim milestones. He discusses the importance of targets not being too rigid while still being ambitious.

La nuit a été longue au Parlement fédéral. Après des heures de débats tendus, les députés ont adopté plusieurs textes majeurs dont la loi-programme et la très controversée réforme des pensions. Face à la déferlante chinoise, l’Union européenne veut durcir le ton. La Commission discute aujourd’hui de nouvelles mesures pour protéger l’économie européenne. On ne peut vendre tout et n’importe quoi aux consommateurs européens. C’est le message qu’a tenu à faire passer la Commission au géant chinois Temu en lui infligeant une amende record de 200 millions d'euros pour vente de produits illégaux. Présentation: Ondine Werres 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.

Will your credit score affect your mortgage application? Should you consolidate all your pensions into one place? And how do you actually start planning for retirement right now? In this Ask Becky episode Rebecca Robertson answers the three questions her team at Evolution Financial Planning hear most from clients. Whether you're a first-time buyer building your credit history or someone with multiple workplace pensions wondering what to do next, this episode breaks it all down in plain English. This is a special Ask Becky edition where Rebecca's team, mortgage and protection adviser Jenny and client manager Katie, share the questions clients ask them most. Rebecca then gives her honest, independent financial advice on each one. In This Episode You'll Learn: - How your credit score directly impacts your mortgage chances and what lenders actually look for - Why having no credit history can be just as problematic as having bad credit - The truth about payday loans and why they often mean an automatic decline - Whether consolidating your pensions is actually a good idea (spoiler: it depends) - The difference between defined benefit and defined contribution pensions - How upcoming inheritance tax changes could affect pension planning - Simple first steps to start planning for retirement at any age Chapters 0:00 Welcome to Ask Becky 0:23 Introduction: Rebecca Robertson & Evolution Financial Planning 1:40 Jenny's Question: Will My Credit Score Affect My Mortgage? 2:07 How HP, Finance & Missed Payments Impact Your Score 2:28 Why Payday Loans Are Often an Automatic Decline 2:50 Checking Your Credit Report: Experian & Equifax 3:14 When It's the Bank's Mistake, Not Yours 3:36 First-Time Buyers: The Problem with No Credit History 4:04 Building Credit the Smart Way with a 0% Card 4:47 CCJs, Bankruptcy & Higher Interest Rates 5:30 Rebecca's Book: Accelerating Your Wealth 6:04 Katie's Question: Should I Consolidate My Pensions? 6:57 Why Consolidating for the Sake of It Can Be a Mistake 7:42 Risk, Oversight & When Moving Pensions Makes Sense 8:09 Defined Benefit vs Defined Contribution Pensions 8:53 Why Every Pension Needs Individual Review 9:17 Inheritance Tax Changes & Pension Planning 10:01 Katie's Second Question: How Do I Plan for Retirement? 10:32 Run Projections, Find the Gap, Fill It 11:04 Outro & Thanks Connect with Rebecca Robertson and the Podcast: Subscribe for weekly wealth-building strategies: YouTube Instagram: @rebecca_robertsonifa & @acceleratingyourwealth LinkedIn: Rebecca Robertson Facebook: RebeccaRobertsonwealth Website: www.evolutionfinancialplanning.co.uk Disclaimer: This content is for educational and informational purposes only and should not be construed as financial advice.

In this episode (Part 1 of 2), Pete and Roger unpack the big question: should you consolidate your pensions and investments, or can you oversimplify and accidentally make things worse? We break down what pension consolidation really means in the UK, the strongest arguments for and against it, and the key benefits and risks to watch for (including charges, safeguarded benefits, and 'all eggs in one basket' concerns). If you are approaching retirement planning and want more clarity, confidence, and fewer moving parts, this is a practical guide to help you think it through properly. Part 2 will focus on what to actually do next, step by step, if you decide consolidation might be right for you. Shownotes: https://meaningfulmoney.tv/session623  02:42 KNOW - The emotional pull of consolidation 08:16 KNOW - What consolidation actually means 10:56 KNOW - The strongest arguments FOR consolidation 25:00 KNOW - The strongest arguments AGAINST consolidation 44:35 KNOW - When consolidation is usually a very good idea 47:16 KNOW - When caution is essential 48:36 KNOW - The "good enough" middle ground 50:10 Summary  

Alors que la Roumanie est en pleine crise politique et dans l'attente d'un nouveau Premier ministre, les raisons de la tourmente sont à chercher du côté de l'économie. Confronté à un déficit budgétaire majeur, le plus grand de l'Union européenne, et une inflation trop élevée (11%), le gouvernement a mis en place une politique d'austérité qui pénalise gravement les citoyens et leur pouvoir d'achat.  Le reportage de Guilhem Bernes, notre correspondant à Bucarest, est à retrouver dans son intégralité sur le site de RFI dans Accents d'Europe Accents d'Europe. À lire aussiEn Roumanie, la pénurie de sages-femmes fait exploser le nombre de césariennes

Running out of money is a top fear in retirement, and it almost always traces back to one question: where will your monthly income actually come from? In this episode of Safer Retirement Radio, Brian Decker and Arrin Wray walk through how Decker Retirement Planning builds a diversified retirement income plan. The same math-based, fiduciary process they use with clients every day. What this episode covers: • The bucket strategy: structuring emergency cash, principal-guaranteed income accounts, and a separate growth "risk bucket" so every dollar in your portfolio has a job • Annuities, demystified: why Decker steers clear of income and variable annuities, and where fixed indexed annuities (FIAs) and MIGAs actually fit • Social Security timing: spousal benefits, the 8% delayed-retirement credit, and how to coordinate two spouses for the most lifetime income • Pension decisions: lump sum vs. income stream, the real break-even math, and counterparty risk • Tax-smart withdrawals: Roth conversions, account placement, and keeping more of your money out of Uncle Sam's hands If you're within 5–10 years of retirement and you want a clear, structured plan that balances safety and growth, this episode is for you. Schedule a no-cost retirement review: 833-707-3030 Free resources, including The Decker Approach book and a sample income plan: DeckerRetirementPlanning.com Serving families in Salt Lake City, Seattle/Bellevue, the Bay Area, and virtually nationwide. Investing involves risk, including the potential loss of principal. Decker Retirement Planning, Inc. is a registered investment advisor. This show is for informational purposes only and is not tax or legal advice.

Most Jamaicans are walking toward retirement with nothing saved and don't know it yet. Desmond Johnson spent over 20 years inside NCB managing over $120 billion in pension assets. He joins Dr. Matthew Preston and Dr. Thaon Simms to explain why less than 20% of Jamaica's workforce contributes to a pension, what the government's auto enrollment plan actually changes, and which JSE stocks he's buying right now. This is the retirement conversation Jamaica needs to have.Chapters:00:00 Introduction and Meet Desmond Johnson02:10 Behind the Scenes: What the Pension Industry Sees That You Don't05:06 Jamaica's Retirement Gap: Only 20% Are Saving09:08 What a Pension Actually Is and How It Works14:11 Starting at 24 vs 35: The Real Difference in Your Payout16:17 Why Coverage Is So Low: It's a Culture Problem18:14 What Auto Enrollment Actually Means for Jamaica22:37 Pension Funds and the JSE: Why More Money Isn't Flowing In33:19 How Pension Funds Invest and the 5% Concentration Limit40:14 Desmond's JSE Stock Picks: NCB, Grace Kennedy and Sagicor

Merryn Somerset Webb and John Stepek answer listener questions on how retail investor flows, passive investing, and social media have reshaped markets, arguing that the surge in everyday investing has significantly boosted stock prices — particularly in the US. They also discuss practical personal finance challenges around pensions, capital gains tax, and passive versus active investing.See omnystudio.com/listener for privacy information.

"Don't sit around waiting to feel motivated. You take some little actions, and that often gives you the motivation and the momentum to move forward." Our hosts, Stephanie McCullough and Kevin Gaines, sit down to work through a HerMoney.com list of ten things to do when retirement is a decade away. The meta-lesson turns out to be bigger than any single item on it! The list, from Jean Chatzky's financial information service for women, gives them a useful scaffold, but what they keep returning to is the paralysis that keeps so many people from starting at all. Planning for retirement can feel like pushing a stone uphill; getting moving makes it roll the other way. The list items themselves span the practical and the personal. Test-drive potential retirement destinations before committing. Tackle home repairs now, while you still have a paycheck. Start volunteering, not just to give back but to road-test how you'll spend your time when work no longer fills it. On the financial side: understand what Medicare actually covers (spoiler: not dental, vision, or long-term care). Build your HSA if you're eligible. Track down old 401(k)s and check the beneficiaries on every account. Create your Social Security account online and verify your earnings record for errors. And on claiming age, Kevin pushes back on the blanket advice to "always wait" because Social Security strategy depends on how it fits the rest of your specific plan. The bonus tip says it all: say it out loud. Telling people you're planning to retire creates accountability. It makes the stone easier to push!   Key Topics: ●      Trying Out Retirement Destinations (04:24) ●      Home Repairs, Renovations, and Aging in Place (07:21) ●      Volunteering: A Test Drive for Your Time (12:02) ●      Reclaiming Your Calendar… and Your Identity (13:35) ●      Healthcare Costs, Medicare Myths, and HSAs (16:52) ●      Building a Social Network Outside the Office (21:04) ●      Checking In on Pensions and Old 401(k)s (25:30) ●      Why the 10-Year Mark Is the Right Time to Find a Financial Planner (27:21) ●      Social Security: "Wait" Is Not a One-Size-Fits-All Answer (29:33) ●      Creating Your Social Security Account (and Checking Your Earnings Record) (31:02) ●      Say It Out Loud (32:22)   Resources: Retirement Readiness Quiz: https://www.aarp.org/money/retirement/readiness-quiz/ The 5 Years Before You Retire and other books by Emily Guy Birken: https://www.emilyguybirken.com/books HerMoney.com Article Discussed in this Episode: https://hermoney.com/invest/10-things-you-should-do-when-retirement-is-10-years-away/   Take Back Retirement Episodes Referenced: Making Your Own Story: Finding Meaning After 50 with Diane Gansauer Redefining Retirement: Finding Your Creative Voice Through Comedy with Lynn Harris The Challenges and Opportunities of Defining Your Identity in Retirement with Elizabeth Parsons Practicing for Retirement: Balancing Creative Pursuits and Financial Planning with Mary Jo Hoffman Simplifying Medicare: What's Important For You To Know with Susan Sloan Cultivating Creative Connections for Lifelong Wellness with Claire Waite Brown Getting the Most from Social Security: Smart Strategies for Women with Heather Schreiber Smarter Social Security: Getting What's Yours Without Panicking   If you like what you've been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com   You can find the transcript and more information about this episode at www.takebackretirement.com.   Follow Stephanie on Twitter, Facebook, YouTube and LinkedIn.  Follow Kevin on Twitter, Facebook, YouTube and LinkedIn.

Haley Sacks — better known as Mrs. Dow Jones — is the financial educator helping millions of people stop being weird about money and start building real wealth. Named Creator of the Year by Adweek, featured on Fortune's 40 Under 40, and dubbed by The Wall Street Journal as “the financial guru millennials listen to,” Haley has built a movement around making personal finance feel less like punishment and more like power. She's also the author of the brand-new book Future Rich Person: The New Rules for Building Wealth — a modernized, judgment-free playbook for anyone who's tired of the old advice that doesn't work anymore. This conversation is a masterclass in mindset, money, and why the old American Dream needs a complete rewrite. Takeaways:• The Old American Dream Is Dead — Use the New Rules: Your parents' money playbook was built for a world that no longer exists. Pensions, affordable homes, single-employer careers, and predictable student debt are gone. Haley breaks down why financial literacy in 2026 has to include AI, business structures like LLCs and S-corps, retirement vehicles for entrepreneurs, and the negotiation tactics nobody taught you. If you're still playing by 1985 rules, you're already losing.• Money Magnifies Who You Already Are: There's no shame in wanting to be rich — money is just a tool that amplifies your character. If you're a giver, money lets you give bigger. If you want to take care of your family, build your community, or leave a job that doesn't serve you, wealth is the fuel that makes it possible. Drop the guilt, own the goal, and start building a financial life that matches the impact you want to have.• Money Etiquette Is a Wealth Skill: Money is energy — and how you carry yourself with it determines how it flows back to you. Holding too tight, nickel-and-diming, or being tone-deaf about other people's situations doesn't just hurt your relationships, it actually slows your wealth-building. Move with grace, lead with humor, communicate openly with your people, and treat money etiquette like a non-negotiable part of your financial education. Sound Bytes:“Money only magnifies who you are.” “The system was always created by the people that it serves.” “Money is energy. If you hold on to it too tight, it's not going to come to you as freely.” Connect & Discover Haley:Instagram: @mrsdowjonesWebsite: mrsdowjones.comLinkedIn: @mrsdowjonesTikTok: @mrsdowjonesBook: Future Rich Person

All Home Care Matters and our host, Lance A. Slatton were honored to welcome Elizabeth Field as guest to the show.   About Elizabeth Field, Chief Operating Officer at the Elizabeth Dole Foundation:   Elizabeth Field joined the Elizabeth Dole Foundation in February 2024 as its first Chief Operating Officer. Prior to that, she served as a Senior Executive Director in the Government Accountability Office's (GAO) Defense Capabilities and Management Team, where she led a broad body of work related to military quality-of-life issues, as well as defense management, business operations, and reform.   A recognized expert on the Department of Defense, she has testified several times before Congress, and her work has been featured by various news outlets, including National Public Radio, CNN, and The New York Times. Before joining GAO in September 2017, Ms. Field served as Chief of Staff and Senior Advisor to the Under Secretary of State for Civilian Security, Democracy, and Human Rights. Ms. Field also previously served as Assistant Inspector General for Audits and Inspections at the Office of the Special Inspector General for Afghanistan Reconstruction, which was charged by Congress with conducting audits, inspections, and investigations to improve the effectiveness and efficiency of the Afghanistan reconstruction effort and to detect and deter waste, fraud, and abuse.   Ms. Field's first tenure with GAO lasted from 2002-2010, during which she worked primarily as a Senior Analyst in the International Affairs and Trade Team and conducted fieldwork in the Middle East, Africa, Asia, and Latin America. From 2000-2001, she served as a Jacob K. Javits Fellow on the Public Health Subcommittee of the U.S. Senate Committee on Health, Education, Labor, and Pensions. Ms. Field holds a Master's Degree in Public Policy from Duke University and a Bachelor's Degree in History from Davidson College, where she graduated cum laude.   The proud daughter of an Army veteran, she lives in Washington, D.C. with her two sons, Graham and Henry (a West Point cadet), and their rescue dog, Maisie.     About the Elizabeth Dole Foundation:   The Elizabeth Dole Foundation is the preeminent organization empowering, supporting, and honoring our nation's 14.3 million military and veteran caregivers—the spouses, parents, family members, and friends who care for America's wounded, ill, or injured service members and veterans. Established by Senator Elizabeth Dole in 2012, the Foundation works to empower military and veteran caregivers, their families, and their communities through programs, partnerships, and advocacy that drive innovative, impactful, and sustainable solutions.   About the 11th Annual National Convening:   Registration is now open for the Elizabeth Dole Foundation's 11th Annual National Convening – and you won't want to miss it!   Join us on May 19, 2026, in Washington, D.C., at the iconic Ronald Reagan Building and International Trade Center, where leaders, advocates, and caregivers from across the country will come together for a powerful day of connection, conversation, and action. If you are unable to join us in-person, you can register for virtual attendance using the same link.   Last year, Convening attendees helped us begin to develop the National Blueprint for Action—a practical, solutions-driven roadmap designed to strengthen support for the 14.3 million military and veteran caregivers nationwide. Now, as we officially launch that Blueprint, we commit to act—bringing together caregivers, business and industry leaders, and policymakers to advance a nationwide Culture of Caregiving. Inspired by thought-provoking plenary speakers, you will participate in interactive working sessions and breakout discussions to learn how you can make a difference.   In-person attendees will also experience our dynamic Innovation Expo, featuring more than 30 organizations across military and veteran services, healthcare, and beyond. There, explore valuable resources, spark meaningful connections, enjoy a complimentary headshot, and take a moment for yourself at our chair massage station.  

HEADLINES:• The UAE Says It's Fully Prepared If Any Hantavirus Cases Are Detected• UAE Nationals Get 100% Pension Salary After 35 Years of Service• Officials Dismiss Media Claims Of UAE-Based Indians Evacuating Through Fujairah Port• Dubai Residents Call For Stricter Cinema Etiquette

In netball, once you've got the ball you have to pivot. It turns out that skill can be applied just as neatly to careers for Tracey Neville. The former England netball coach joins Nuala McGovern to discuss her new role as the new managing director of the Stockport County Women Football Club.A new medical device to assist at birth is now in use in eight NHS trusts in the UK and 40 hospitals in the whole of Europe. The OdonAssist can replace forceps in many situations and is a much gentler way to deliver a baby which is stuck in the birth canal. NHS Specialist registrar Dr Emily Hotton has worked on the UK clinical trials. She describes how the device works and why it can give a much better outcome for both mothers and babies.New research suggests the age of 28 is a key turning point for women's finances. Investment platform AJ Bell says that's when many start to fall behind on pension savings. And women retire with around 48% less wealth. Charlene Young, Senior Pensions and Savings expert at AJ Bell explains.Mina came to the UK from Iran 15 years ago. She is appearing on Channel 4's Your Song, a new series celebrating the power of music and storytelling. Growing up where women's voices were restricted, she learnt to sing secretly as an act of quiet rebellion. On the show, she performs a song that has followed her from childhood through exile to her new life in the UK. For Mina, this performance isn't just personal — it's about representing millions of women still silenced. She talks about identity, resistance, and what it means to finally reclaim her voice.An online safety group, the Early Warning Working Group, is encouraging schools across the UK to rethink how they use photographs of pupils online, amid growing fears that images taken from school websites and social media accounts are being stolen and manipulated into sexually explicit content using AI tools. Nuala speaks to Carole Osborne - a mother of two daughters who used to work in school communications. After hearing growing concerns from parents and headteachers about AI-generated abuse imagery, she decided to try to do something about it herself. Presenter: Nuala McGovern Producer: Kirsty Starkey

What do drug prices, hospital closures, and pensions have in common? They're all shaping affordability debates at the Illinois Capitol. The UIS PAR class of 2026 has more.

It's another Q&A show where Roger and Pete answer YOUR questions about such mighty subjects as bridging the gap from retirement to state pension, CGT for non-taxpayers and much more besides! Shownotes: https://meaningfulmoney.tv/QA48  02:18  Question 1 Hello Pete and Roger, wonderful podcast and I'll try and acceed to your short question desire. And I'll try not to use the word should. I am 52 and my wife and I would like to retire at 60. I have a DB pension that should pay me £20k per year from 65.  I would like to live off £50k per year and currently have £220k in a DC pension. That will hopefully get to £500k by age of 60. Equally I am hoping to have £100k in a S&S ISA and hoping to have the first year of retirement spending in cash.   My question is around my bridging requirements before my DB pension and state pensions kick in (my wife is 46).   Am I better off pulling 25% of DC tax free at the age of 60 and putting that into ISA's  or is it better to just pull pension money per year with and ongoing 25% tax free Allowance and using the smaller ISA amount to minimise tax. Just interested in your thoughts :-) Thanks and please keep up the great work. Kind regards, Adrian 06:38  Question 2 Hi Pete & Roger A few months ago a friend recommended your podcast and I've been devouring it ever since! Having worked in Compensation & Benefits for the past 15 years, and spending much of my time these days in the design and operation of pension plans, I thought I had a pretty good grasp on such things. But I've already learned a few tips and tricks to help as I plan my retirement, so huge thanks to you both! My question for you is about CGT liabilities when one is a non-tax payer. My son is in the fortunate position of having a healthy savings pot in a GIA, thanks to gifts/inheritances from grandparents over the years, which each year he sweeps into his LISA and stocks and shares ISA up to the £20k limit. The return has been really good this year and he is likely to realise a gain in excess of the £3k limit next April when doing the sweep. As he is still at university and only earning a few pounds here and there as a freelance musician, his earnings are well below the Personal Allowance. My Googling suggests that he would therefore not have to pay any CGT if the gain was above £3k next April. Is that correct? Many thanks in advance and keep up the good work! Kind regards, Marion 10:03  Question 3 Hi Pete and Roger, I am 56 and have been paying closer attention to my Pensions for the last 12 months. This is with a view to making an informed decision about my retirement plans at 60. Pete's videos and the podcast have been a great help. I am aiming for the Retirement Living Standards 'comfortable' figure for a single person because a) why not?, b) I am pretty sure I will be able to afford it, and c) I have estimated my needs and that more than covers it. I have a spreadsheet which models everything for me. I have 2 questions. A quarter of my pension will come from a DB which starts at 65. A quarter from the state from 67. The rest from my DC pot which I expect to be at least £600,000 by 60. The bridge from 60-65 comes from other assets. Any thoughts on the equity/bond split for my DC pot given that 50% of my pension is secure? 60:40 feels too bond heavy to me, I was thinking 80:20. And, following your 'not advice' I have modelled what I know now, inflation at 3.6%. I experimented by dropping inflation by 1.0%. I was amazed to see that at 3.6% my pot runs down but not out at age 100. At 2.6% it keeps accumulating and never turns down. I have used 8.25% for growth but made no allowance for tax free cash, UFPLS etc. It just shows the pernicious impact of inflation. Does that feel about right to you. Thanks, Mike 18:31 Question 4 Hi Chaps A thought just occurred to me and I wondered whether you've covered this already.... Will v Pension Expression of Wishes - which one wins in that battle if there's a conflict (from April 2027)? I've just noticed that my wife's EOW for her pension is different to that in her will, and would therefore be a problem from April 2027? Cheers, John   21:34 Question 5 Hi Gentlemen (Pension Gurus) My 18 year old children are setting out in the wonderful world of work and (with my "encouragement") are squirrelling away 10-12.5% of their salary into pensions (with their employers contributing 4 and 12.5% respectively). So one ok and one really good. Q: Their workplace pensions are with Aviva and L&G respectively and at the moment they are in the "default" scheme. As default pensions are a "one size fits all" I don't think that it's necessarily the best for my children with at least 35 years of investing left. Plus I don't like the idea of 10% being gambled on start ups. I'd like to come out of the default scheme but am not sure what to invest in i.e. if I DIY what % global index? global bonds what %? multi asset and if so what %? Or something simple like life strategy etc? What would your guidance be to an 18 year old on what to invest in their pension? Many thanks, London Mum 27:48  Question 6 Hi both, I am wondering how to approach retirement. I am 32 years of age and I have a DB pension with work. I am single with 18 years left on my mortgage. No kids. I have been splitting my saving contributions between workplace pension which goes out before I get my pay, cash ISA, S&S ISA and Lifetime ISA. With the latest budget I am conscious of the constant messing of the pensions and ISA's, mainly the lifetime ISA as they are potentially getting rid of it. Do I just carry on with the contributions as is? Will the lifetime ISA still be ok to contribute to for retirement planning? Thanks, Lisa

It's Q&A Wednesday, and Lance Roberts & Danny Ratliff are taking your questions live from the YouTube chatroom. From markets at all-time highs and rising pullback risk, to Fed policy, rates, and portfolio positioning, we're breaking down what matters most right now. With stocks extended, volume thinning out, and momentum showing signs of fatigue, is this a healthy pause or the start of a correction? What should investors and traders be doing right here? Key topics include: 0:00 - INTRO 0:57 - Markets Rally, Oil Plunges 4:05 - AI Trade is Back - but watch for reversal 7:52 - Vanguard Bond Builders - Bonds vs ETF's 12:32 - Best Store of Cash for a Portfolio? 14:39 - Couples with Pensions 17:06 - How did you react to downturn in the market? 19:59 - Lump Sum vs Pension Payout? 21:15 - The Thing About High-Yield Bonds 23:15 - What About the "Bucket Strategy" for Managine Risk? 24:31 - What Happens if Pensions Go Broke? 26:12 - Technical - Is the MACD Ever Wrong (and what is it?) 28:14 - Technical - What is the difference between Absolute & Relative scores? 32:28 - Where Are Rotations Going Next? 33:33 - Why Aren't Nvidia & Palantir Part of This Advance? 35:32 - Are Gold Stocks a Decent Buy? 38:16 - Use of Inverse ETF's as Hedges 39:03 - Portfolio Over- & Under-weighting 39:58 - How to Work with RIA? 40:44 - What if U.S. Dissolves? 42:35 - Don't Worry; Be Happy 43:07 - Managing Stocks w Different Advisors 45:35 - What's Your Story? 46:20 - The Thing About Apple & Microsoft 50:48 - BOE Interest Rates & Impact on Gold Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/TFn61TpR-Fc ------- Watch today's "Before the Bell" feature, "AI Rally Nears Exhaustion," here: https://youtu.be/cievTNHiw6Y ------- Watch our previous show, "Investing vs Trading - Finding the Balance," https://youtube.com/live/LGDW2OXJ6oo ------- * REGISTER for our next Candid Coffee, Saturday, May 16: "Financial Organization Made Simple:" https://streamyard.com/watch/SA6aj2aMdMhf -------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #Investing #AIStocks #MarketOutlook #RiskManagement

Key Topics Covered:   1. New Pension Tax Rules (2027 Changes) The government's ability to tax pensions on death marks a major shift. Impacts long-term retirement and legacy planning strategies. 2. Understanding the Finance Act Changes The move from proposal to law and what it means in practice. Why this change is significant compared to previous pension rules. 3. Risks of Traditional Pension Planning Relying solely on pensions may no longer be as efficient. Potential erosion of wealth intended for future generations. 4. Taking Back Control of Retirement Planning The importance of being proactive rather than reactive. Exploring alternative strategies to maintain control over assets. 5. Role of SSAS in Wealth Planning Using Small Self-Administered Schemes for flexibility and control. How SSAS can support more strategic wealth management decisions. 6. The “7 C's” Framework A new way to think about retirement planning in changing conditions. Adapting strategies to navigate uncertainty and complexity. 7. Protecting and Transferring Wealth Planning not just for accumulation, but for efficient transfer. Ensuring wealth reaches the next generation as intended. 8. Adapting to Regulatory Change Why staying informed and flexible is essential. Turning policy changes into opportunities for better planning. Actionable Takeaways Review your current pension strategy in light of the 2027 rule changes and assess potential tax implications on death. Avoid relying solely on traditional pension structures—consider diversifying how your wealth is held and managed. Explore options like SSAS to gain greater control and flexibility over your retirement funds. Take a proactive approach to retirement planning rather than waiting for changes to take effect. Develop a clear strategy for how your wealth will be transferred to the next generation. Stay informed on legislative changes and adjust your plans accordingly to protect your assets. Use frameworks or structured thinking (like the “seven seas”) to simplify complex financial decisions. Seek guidance where needed to ensure your long-term wealth strategy remains effective and aligned with your goals. Resources & Next Steps WealthBuilders Membership: Free access to guides, webinars, and community Download our FREE Pensions and Inheritance Tax Guide Connect with Us: Listen on Spotify, Apple Podcasts, YouTube, and all major platforms. Next Steps On Your WealthBuilding Journey:   Join the WealthBuilders Facebook Community Schedule a 1:1 call with one of our team Become a member of WealthBuilders If you have been enjoying listening to WealthTalk - Please Leave Us A Review!

Live May 5, 2026 | Yaron Brook ShowStraits of Hormuz; AI regs; Opioids; Alberta; Germany; India; Ukraine; Pensions; Cancer | Yaron Brook Show#iranwar #abortion #Iran #PoliticalPhilosophy #CryptoDebate #WorldNews #Freedom #USPolitics #Capitalism #Objectivism #ForeignPolicyThe Yaron Brook Show is Sponsored by[The Ayn Rand Institute](https://www.aynrand.org/starthere)[Energy Talking Points, featuring AlexAI, by Alex Epstein](https://alexepstein.substack.com/)[Express VPN](https://www.expressvpn.com/yaron)[Hendershott Wealth Management](https://www.youtube.com/watch?v=X4lfC...) &(https://hendershottwealth.com/ybs/)[Michael Williams & The Defenders of Capitalism Project](https://www.DefendersOfCapitalism.com)[Support the Show]( / yaronbrookshow )[Sponsor the Show](askyaron@yaronbrookshow.com/)[One-time donation](https://bit.ly/2RZOyJJ)Join the [Yaron Brook Show YouTube channel]( / @yaronbrook )Like what you hear? Like, share, and subscribe to stay updated on new videos and help promote the [Yaron Brook Show](https://bit.ly/3ztPxTx)Continue the discussion by following Yaron on [Twitter](https://bit.ly/3iMGl6z) and [Facebook](https://bit.ly/3vvWDDC )Want to learn more about Ayn Rand and Objectivism? Visit the [Ayn Rand Institute](https://bit.ly/35qoEC3)Become a supporter of this podcast: https://www.spreaker.com/podcast/yaron-brook-show--3276901/support.Yaron is the executive chairman of the Ayn Rand Institute and a world class speaker. He is the coauthor of the national best-seller Free Market Revolution: How Ayn Rand's Ideas Can End Big Government, Equal is Unfair: America's Misguided Fight Against Income Inequality and In Pursuit of Wealth: The Moral Case for Finance. He speaks around the world on a variety of topics including the morality of capitalism, Ayn Rand and her philosophy, finance and economics, and the value of inequality.

Nick Bruining, independent financial adviser, joins Nightlife regularly to talk about the ever-changing world of business and finance and what these changes mean for you.

Under current law, Members convicted of certain corruption offenses can forfeit their pensions, while other serious misconduct is treated differently. A bipartisan bill aims to close those gaps by including violent crimes and sexual misconduct involving staff. Supporters say the goal is accountability, not punishment by press release. Congressman Suhas Subramanyam, who co‑sponsored the bill, joins me now.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

A special bonus episode brought to you in conjunction with the Always a Pensions Angle Podcast, by D G Publishing. This podcast was recorded in January 2026 at their conference in Windsor.Richard Tomlinson has responsibility for management of all investment and client activity at LPPI. He has more than 20 years of investment experience. Prior to joining LPPI in 2017, Richard was Head of Portfolio Advisory (EMEA) at Albourne Partners for six years where he advised European investors on alternative investments, portfolio construction and risk management. Earlier in his career, he was Head of Multi-Strategy at Old Mutual Asset Managers and prior to this an analyst at GNI Fund Management. Our conversation covers the evolution of their product mix as the pool grows, the development of the advisory function, the opening of an office in Bristol as the pool expands, and their core mission: paying pensions as they fall due, affordably and efficiently. We also take the crystal ball out to look at what the next five years may hold. Richard features on The Fiftyfaces Podcast later in Series 2 of 2026. 

Successive UK governments have made immigration policy a high political priority, but no recent government has seemed to meet public expectations in the pursuit of those policies. So, what have recent immigration policies been trying to achieve, and why have so many people ended up unhappy with the outcome? A new book by Madeleine Sumption explores these questions. Drawing on decades of research, she explores the unavoidable trade-offs governments face, and the impacts of their choices on people and communities. To answer these questions and more, this IfG event brought together an expert panel, including: Rt Hon Amber Rudd, former Home Secretary (2016–18) and former Secretary of State for Work and Pensions (2018–19) Madeleine Sumption, Director of the Migration Observatory at Oxford University and a member of the UK Government's Migration Advisory Committee This event was chaired by Alex Thomas, Executive Director for Impact and Influence at the Institute for Government.

What if everything you were taught about who you are in law is wrong?   This week I welcome Russell Paul Arthur — certified practitioner of Sovereign Law, founder of Grace Private Society, chief justice of Grace Private Court, and creator of the Grace Sovereignty Academy. Russell has spent nearly a decade studying how the system of citizenship works, what it costs you in terms of freedom and standing, and how you can lawfully and peacefully unwind from it.   About my Guest: Russell Paul Arthur is a certified practitioner of Sovereign Law that focuses on human freedoms and rights. The creator of Grace Private Society — for sovereign men and women who cooperate for mutual benefit and support to create a New World Paradigm of widespread peace and prosperity. The chief justice for Grace Private Court and justice system. The creator of Grace Sovereignty Academy that teaches people the specialised knowledge, skillsets, and lawful procedures to transition from Citizenship to Sovereignty.   What we Discussed: 00:00 Introduction to Sovereignty and the Awakening Podcast 01:19 Introducing Russell Paul Arthur: Transitioning from Citizen to Sovereign 01:55 Roy's Personal Journey: 100 Court Cases and Legal Battles 03:30 Russell's 10-Year Journey: Awakening to Global Corruption 05:41 Taking Action: Creating a New Direction for Humanity 06:56 The Internal Experience: Sovereignty as Self-Authority 07:53 Roy's Experience with Taxes, Pensions, and Standing Your Ground 09:22 Reclaiming Power: Moving Beyond the Corporate Entity 10:33 The Current State of Ireland: Defaults and Economic Pressure 43:14 The Legal Bondage of Citizenship: How We Forfeit Rights 44:18 The Parasitical System: Control and Extortion 44:52 The Failure of the Education System: Why Money Isn't Taught 46:33 Creating a New Educational Paradigm 47:21 Educating the Next Generation: Protecting Children through Awareness 49:21 The Food System: Control vs. Sovereign Nutrition 51:18 The Vision for Free Energy and Basic Human Needs 63:31 The Private Court System: Being Your Own Judge and Jury 66:01 Principles of Honor and Equity in Law 68:57 Why Solicitors Exist: The Weaponization of Legal Ignorance 71:17 How to Join the Grace Private Society & Sovereignty Academy 73:39 Closing Remarks and Contact Information   How to Contact Russell: www.graceprivatesociety.com Academy Registration: https://www.graceprivatesociety.com/academybookingpage Email: graceprivatesociety@protonmail.com   More about the Awakening Podcast: All Episodes can be found at www.awakeningpodcast.org   Join my PodFather Podcast Coaching Community https://www.skool.com/podfather/about   Start Your Own SKOOL Community https://www.skool.com/signup?ref=c72a37fe832f49c584d7984db9e54b71   Awakening Podcast Social Media / Coaching / My Other Podcasts https://roycoughlan.com/   Our Facebook Group can be found at https://www.facebook.com/royawakening   #Sovereignty #CommonLaw #NaturalLaw #RussellPaulArthur #GracePrivateSociety #AwakeningPodcast #RoyCoughlan #CitizenshipTrap #DeclarationOfStatus #PrivateTrust #EstateReclamation #SovereignMan #LivingMan #LegalFiction #Strawman #StatusCorrection #PrivateMembersAssociation #SovereigntyAcademy #TrustLaw #ContractLaw #PrivateDomain #NewWorldParadigm #FreedomFromTheState #CommonLawCourt #PrivateCourt #SovereignLaw #UCC #EstateTrust #PrivateEstate #BirthCertificateFraud #DebtFreedom #LegalBondage #HealthFreedom #FoodFreedom #EnergyFreedom #BuildInParallel #Awakening #SovereignEnterprise #CheckMateTheMatrix #PrivateSociety  

State Treasurer Erick Russell joins CEA President Kate Dias and Vice President Joslyn DeLancey to break down the current state of the Teachers' Retirement Fund and what it means for educators' long-term financial security. As the state's chief financial officer and principal fiduciary for its pension assets, Russell offers a behind-the-scenes look at how the fund is managed and where it's headed.

Ryan Boothroyd is Head of External Management at Border to Coast Pensions Partnership. We start by learning about his path into finance - some of his early interests that were from far outside finance.  from a non-finance background, early career “wobbles,” and formative mentors. Ryan explains his investment beliefs: skepticism about consistent active outperformance, whey to have a high bar for manager skill, what he thinks of efficiency in markets, and a shift from contrarian valuation to greater respect for momentum and catalysts. He describes what makes effective external partnerships- mutual understanding, proactive support, and feeling like an extension of the team rather than a simple offering of “bells and whistles.” Ryan discusses Border to Coast's growth priorities: demonstrating benefits of scale beyond cost savings, institutionalizing processes, and exploring AI cautiously. In addition, we cover developing advisory and investment management services, a coherent fund range, his sustainability master's, stewardship impact, and the nascent “nature” investment opportunity set,This podcast is kindly sponsored by Benefit Street Partners and PIMCO. Founded in 2008, Benefit Street Partners – BSP – is Franklin Templeton's specialised private credit manager with $92 billion in assets under management.  The firm provides a wide range of private credit strategies across the US, Europe, Middle East and Asia Pacific, including direct lending, special situations, commercial real estate debt, infrastructure debt, asset backed finance, structured credit and liquid credit.  PIMCO (Pacific Investment Management Company LLC) is a premier global investment management firm founded in 1971, specializing in active fixed-income with over $2 trillion in assets under management. Headquartered in Newport Beach, California, it offers diversified investment solutions across public and private markets, serving institutional and individual investors worldwid

Dan looks at the Triple lock pension system - is this sustainable?

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With two pensions in the mix, how should we be planning for our eventual retirement? Have a money question? Email us ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money LIVE⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Twitter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ "Jill on Money" theme music is by Joel Goodman, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.joelgoodman.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Nick Reisman, POLITICO Albany bureau chief covering New York state government and politics and co-author of the New York Playbook, discusses the latest in state budget negotiations and the major sticking points, including early pension access for public school teachers and the buffer zones for protestors around religious institutions. Photo: State Senators Liz Krueger, left, and Thomas O'Mara, right, debate a bill (S9631) that would extend various expiring laws that allow the Department of Motor vehicles to collect certain fees and pay operating costs on Tuesday, March 31, 2026, in the Senate Chamber at the Capitol in Albany, N.Y. Tuesday was the last day of the state's fiscal budget year. (Will Waldron/Albany Times Union via Getty Images)