Podcasts about Personal finance

Most retirees want to spend as much as they can without having to worry about running out of money. Morningstar's State of Retirement Income research analyzes retirement spending strategies to determine the highest safe starting withdrawal rate for new retirees in 2026. Christine Benz, Morningstar's director of personal finance and retirement planning and co-host of The Long View podcast, breaks down the research and shares some ideas about how you can boost your retirement spending.What's a Safe Retirement Withdrawal Rate for 2026?On this episode:00:00:00 Welcome00:00:46 Each year, you and your colleagues producethis really comprehensive research about retirement income. And as part of that research, you try toidentify what a safe withdrawal rate will be for the year ahead. 00:01:59 What is that safe withdrawal percentage, and how did you arrive at that conclusion?00:02:41 The 4% rule often comes up in the conversation around retirement spending. How does that compare to your base case?00:03:30 I know there are some misperceptions about your retirement income research and what that safe withdrawal percentage means. What are they? 00:03:28 So, how should retirees use this research?00:04:51 The safe starting withdrawal rate that you found in your base case might feel a little low for some retirees. Are there other strategies that retirees can use to boost their spending?00:07:02 So, flexible strategies are best suited for retirees that are focused on maximizing their spending. 00:08:52 What kind of retiree would benefit from a more rigid strategy, like the fixed inflation-adjusted spending approach that you use in your base case?00:09:26 How does asset allocation come into play? Would a stock-heavy portfolio support a higher withdrawal rate in retirement?00:10:36 So far, we've focused on portfolio income strategies, but you also looked at nonportfolio income sources like annuities and Social Security. What did you find?00:13:34 It seems like there's some more nuance to the suggestion of delaying Social Security. Can you talk about that? 00:14:50 How about annuities? Can you discuss some of the key considerations that income-centric retirees should bear in mind?00:16:07 Studies have found that retirees don't actually spend the same amount over the course of their retirement. What does actual retirement spending tend to look like, and how might that affect a retiree's plans?00:17:59Let's talk about some scenarios that can throw off a retiree's plan. One might be a market downturn early in retirement. What kind of impact could that have on spending? 00:18:56 Another scenario might be retiring earlier than expected. What kind of implications would that have for safe withdrawals?00:20:26 What is one final takeaway from the research that you want retirees to come away with?  Watch more from Morningstar:How ETFs Help You Cut Your Tax BillTax-Loss Harvesting Isn't Just for Downturns. Here's WhyBond ETFs Are Surging in Popularity in 2025. Here Are 5 of the Best Follow Morningstar on social:Facebook https://www.facebook.com/MorningstarInc/X https://x.com/MorningstarIncInstagram https://www.instagram.com/morningstarinc/?hl=enLinkedIn https://www.linkedin.com/company/morningstar/posts/?feedView=all Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Andrew, Ben, and Tom discuss the Warner Bros. and Netflix deal talks, Meta scaling back the Metaverse, and Scheinbaum's first meeting with Trump. Song: Drops of Jupiter (Tell Me) - TrainFor information on how to join the Zoom calls live each morning at 8:30 EST, visit:https://www.narwhal.com/blog/daily-market-briefingsPlease see disclosures:https://www.narwhal.com/disclosure

Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereAre you relying on luck instead of a liquidity plan—and putting your wealth growth at risk without even realizing it?Most Canadians think of an emergency fund as a boring cash pile that just sits there. But as Jon and Kyle reveal, your emergency fund is actually the foundation of every smart financial system—because it determines whether you react to problems or respond to opportunities. With rising costs, unpredictable expenses, and income volatility, your financial resilience depends on how you structure your liquidity. And as your net worth grows, the role of that fund should evolve—shifting from simple protection to strategic fuel for wealth building.You'll discover:The three tiers of liquidity—how to move from basic stability to a true “wealth reservoir” that compounds and supports long-term planning.When cash, leverage, or whole life cash value each make sense depending on your stage and volatility.How high-net-worth Canadians use liquidity strategically to seize opportunities, reduce taxes, and protect their legacy.Hit play to learn how to turn a simple emergency fund into one of the most powerful wealth-building tools in your financial system.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle…taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.Building long-term wealth in Canada requires more than earning a high income—it demands intentional capital gains planning, smart financial strategy, and a clear financialReady to connect? Text us your comment including your phone number for a response!Canadian business owners seeking financial freedom in Canada can strengthen their personal finance and corporate wealth planning by building emReady to connect? Text us your comment including your phone number for a response!Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

Steve Forbes praises the new "Trump Accounts" and points to the $6.5 billion donation by Michael and Susan Dell to help fund those of 25 million American children.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Send us a textDid you know there's a tool that has been created if you have money to donate (and want the tax write-off this year) but you haven't quite decided where to donate yet? Whether you are new to Donor Advised Funds (DAFs) or you already have one and have gotten stuck on how to use it, this episode will provide some tips so your money can help as much as possible.Links from today's episode:Charitable Tax Reform For the 21st Century by Roger Colinvaux and Ray D. Madoff https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3462163Until the River Runs Dry by by Chuck Collins Helen Flannery Dan Petegorsky Bella DeVaan https://inequality.org/great-divide/charity-reform-video/The 2023 DAF Report released by National Philanthropic Trust https://www.nptrust.org/reports/daf-report/Support the show

What does it really take to break through the myths of entrepreneurship and build a financially independent life—especially as a woman? In this eye-opening episode of The Angel Next Door Podcast, host Marcia Dawood invites listeners to rethink traditional notions of wealth, investing, and risk-taking by exploring the power of money mindset, resilience, and strategic investing.Our guest, Bernadette Joy, is a first-generation Filipino American, acclaimed author of "Crush Your Money Goals," and an entrepreneur who's achieved financial independence by age 40. As a life and money coach, Bernadette Joy opens up about her unconventional path from paying off $300,000 in debt to mentoring the next generation of women investors and entrepreneurs. Her journey is shaped by personal experience, a mission to help others overcome financial misconceptions, and a passion for demystifying the road to millionaire status—especially for women and communities of color.This episode dives deep into actionable strategies for getting your financial house in order, understanding the realities of angel investing, and building businesses designed for both growth and early retirement. Bernadette Joy shares candid stories—both successes and failures—offering a rare, honest perspective on what it means to curate your accounts, invest with intention, and heal your “money wounds.” Whether you're an aspiring investor, established entrepreneur, or simply looking for practical financial wisdom with heart and humor, this is a must-listen conversation that will inspire you to reimagine what's possible for your financial and entrepreneurial journey. To get the latest from Bernadette Joy, you can follow her below!https://www.linkedin.com/in/bernadebtjoy/https://www.crushyourmoneygoals.com/ https://a.co/d/1KJRwvJ - Crush Your Money Goals Bookhttps://www.instagram.com/bernadebtjoy/  Sign up for Marcia's newsletter to receive tips and the latest on Angel Investing!Website: www.marciadawood.comDo Good While Doing WellLearn more about the documentary Show Her the Money: www.showherthemoneymovie.comAnd don't forget to follow us wherever you are!Apple Podcasts: https://pod.link/1586445642.appleSpotify: https://pod.link/1586445642.spotifyLinkedIn: https://www.linkedin.com/company/angel-next-door-podcast/Instagram: https://www.instagram.com/theangelnextdoorpodcast/Pinterest: https://www.pinterest.com/theangelnextdoorpodcast/TikTok: https://www.tiktok.com/@marciadawood

Steve Forbes explains the complex and stark realities facing President Trump and his team in achieving a peace deal with Russian President Vladimir Putin to end the Russia-Ukraine War.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In today's episode resident social media gurus Amber and Sarah, of Instagram and TikTok fame respectively, join the show to talk about the personal finance trends that are going viral among the Gen Z population right now. The economy is difficult to thrive in, especially for young people, and the Zoomers have come up with creative ways to use their native digital environment to execute the common goals of all people trying to improve their finances: pay off debt and get out of the paycheck to paycheck cycle.   In this episode Sarah and Amber share six TikTok and Instagram videos as examples of popular trends, including: "No Spend" November "No Swipe" November Making micro debt payments to stay engaged with the goal of paying off debt Gamifying likes and social media engagement to pay off debt   Ernie shares his enthusiam for personal finance challenges and trends that bring a social element to finance, while Ben ponders whether using social media to help pay off debt is creative or dystopian. One thing is for sure -- young adults are finding creative ways to improve their relationship with money and bond with others working toward the same goal.   Follow Budget Nerds on YouTube Budget Nerds Livestreams: https://www.youtube.com/@YNABofficial/streams Budget Nerds Episodes: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g   Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com  

Jesse sits down with Andy Hill—personal finance educator, podcast host, and creator of Marriage, Kids, and Money—for a candid conversation about building wealth while building a life you actually enjoy. Andy shares how a mix of financial discipline, intentional goal-setting, and family-centered values helped him and his wife pay off their mortgage by age 35 and achieve financial independence on their own terms. Together, they unpack why traditional FIRE goals often miss the human side of money, how to define "enough," and why generosity and purpose are essential parts of financial freedom. Andy also opens up about the shift from chasing net worth to focusing on net happiness, revealing the moment he realized money was no longer the main goal—but a tool for creating the life and impact he wanted most. Throughout, Jesse and Andy remind listeners that real wealth isn't about numbers—it's about freedom, joy, and using money to live aligned with what truly matters. Key Takeaways:• Financial freedom isn't just about money—it's about creating the life and relationships you truly want. • Family alignment around financial goals strengthens relationships and ensures everyone is moving in the same direction. • Andy's shift from "net worth" to "net happiness" redefined how he measures success and balance. • Andy emphasizes financial independence on your own terms, not a one-size-fits-all version of FIRE. • Clarity creates motivation—when your goals align with personal meaning, saving and investing feel purposeful. • Sustainability matters more than intensity—consistent, realistic habits lead to long-term financial wellness. Key Timestamps:(00:44) – The Value of Time in Financial Planning (05:16) – The Importance of Buying Back Your Time (08:31) – Interview with Andy Hill: Owning Your Time (14:33) – Exploring the Concept of Coast FIRE (18:51) – Dreaming of a Three-Day Work Week (22:18) – The Value of Relationships (25:05) – Practical Tips for Transitioning to a Three-Day Work Week (29:45) – Involving Kids in Financial Planning (34:27) – Diversifying Your Identity Key Topics Discussed:The Best Interest, Jesse Cramer, Wealth Management Rochester NY, Financial Planning for Families, Fiduciary Financial Advisor, Comprehensive Financial Planning, Retirement Planning Advice, Tax-Efficient Investing, Risk Management for Investors, Generational Wealth Transfer Planning, Financial Strategies for High Earners, Personal Finance for Entrepreneurs, Behavioral Finance Insights, Asset Allocation Strategies, Advanced Estate Planning Techniques Mentions:Website: https://marriagekidsandmoney.com/  LinkedIn: https://www.linkedin.com/in/andyhillmkm/ Get your pre-copy of Andy's new book here:  https://amzn.to/4phCgqF "Own Your Time: 10 Financial Steps to Put Your Family First and Escape the Corporate Grind" by Andy Hill More of The Best Interest:Check out the Best Interest Blog at https://bestinterest.blog/ Contact me at jesse@bestinterest.blog Consider working with me at https://bestinterest.blog/work/ The Best Interest Podcast is a personal podcast meant for education and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

In this episode, we explore what “vulnerability” really means in the claims journey and why it matters more than ever.   Our guests' share their insights on identifying vulnerable customers, designing inclusive claims processes, and embedding vulnerability management into firm culture. Drawing on the Chartered Insurance Institute's latest report on Managing Vulnerability in the Insurance and Personal Finance profession, we discuss practical steps for insurers to go beyond the comfortable minimum and deliver genuine, lasting change for customer outcomes. Joining the podcast this week is Claire Lashbrook, Director of Supply Chain at Claims Consortium Group, and Sarah Durkin, Head of Counter Fraud at Woodgate and Clark. You can find a link to the CII's vulnerability report here: https://media.umbraco.io/ciigroup-dxp/eaedofqi/managing-customer-vulnerability-in-insurance-and-personal-finance-a-practical-implementation-guide.pdf

Steve Forbes shreds the latest budget for the U.K., explaining why its raised taxes and ending of jury trials will accelerate the startling degeneration of the U.S.'s mother country, and warns that what's happening in Britain is a warning to those who cherish liberty.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Today's quick episode is all about the one thing most high achievers avoid but desperately need: space to think.So many of us stay busy out of habit, even when we say we want change. But your next level doesn't come from doing more—it comes from creating room for clarity, intuition, and the ideas you can't access when you're running nonstop.I'm sharing a powerful question I'm giving all my clients for 2026:If a billion-dollar CEO took over your business and life, what are the first three things they'd remove from your plate?To grow, you need four things: clarity, confidence, space, and delegation. And if you think you don't have time for any of this—I promise, your screen time says otherwise. If you enjoyed this episode, make sure and give us a five star rating  and leave us a comment on iTunes, Podcast Addict, Podchaser and Castbox about what you'd like us to talk about that will help you realize that at any moment, any day, you too can decide, it's your turn! 

In this episode, I sit down with Lillian Zhang, author of The New Money Rules: The Gen Z Guide to Personal Finance. Her debut book aims to help young people globally overcome money anxiety and develop the habits and foundation they need to thrive. Lillian Zhang is a personal finance educator who helps Gen Z and millennials build confidence with money through practical, relatable content. A Silicon Valley professional and a Haas School of Business graduate from the University of California, Berkeley, she blends real-world experience with actionable guidance that resonates with young adults navigating today's financial landscape. Lillian has been featured on CNBC Make It, Business Insider, Bloomberg, ABC's Good Morning America, and Yahoo Finance. At just 25 years old, Lillian is changing the conversation around money for an entire generation. Her massive following on TikTok and Instagram is evidence that her message is breaking through. What you'll learn: Why Gen Z is ditching the latte factor advice and focusing on growing their income instead. Why talking openly about money isn't taboo anymore—it's empowering. Money hacks and simple strategies you can implement today The important difference between two types of side hustles you Order The New Money Rules at your local independent book store or at Amazon: https://www.amazon.com/New-Money-Rules-Personal-Finance/dp/B0DW678THW Want more I Dare You insights? Sing up for my weekly email with free, road-tested strategies you can implement in your life: www.idareyoupod.com Connect with Lillian: www.lillianzhang.com TikTok: @lillianzhang Instagram: @bylillianzhang Youtube: @lillianzhang_

Amy King hosts your Tuesday Wake Up Call LIVE from the Anaheim White House for 15th annual KFI Pastathon . The KFI Pastathon is a charity event hosted by KFI radio that benefits Caterina's Club, which helps feed children and families in need and provides them with job training. ABC News investigative reporter Peter Charalambous opens the show live from Luigi Mangione’s trial in New York. Amy talks with Alondra, a Katarinas club recipient. Managing Partner at Anaheim White House Restaurant Sylvano Ibay joins the show to talk about how they became involved with KFI & Caterina’s Club for the annual Pastathon charity event that helps feed thousands of children. Bloomberg’s Denise Pellegrini updates us on the latest in business and Wall Street. The show closes with the host of ‘How to Money’ Joel Larsgaard talking aboutSee omnystudio.com/listener for privacy information.

Amy talks with the host of ‘How to Money’ Joel Larsgaard talking about how to find trustworthy charities and being responsible while deciding to be charitable. See omnystudio.com/listener for privacy information.

Rate & review the Simply Financial Podcast on ITunesTaken from an Article from Bank of America: https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/financial-fitness-tips1. Understand Your Assets & Liabilities2.  Assess Your Goals3. Check Your Credit Reports4. Name Your Beneficiaries5. Manage Your Taxes6. Check If Your Investments And Goals Align7. Determine If You Have The Right Insurance

Send us a textHow It HappenedSpecial Guest Sabrina Maddeaux- Columnist, Co-Host of The Missing Middle Podcast and Director of Communications at Global Public AffairsCanada's House Prices are still Batshit Crazy High but how did we get here. Even though Prices are falling in some regions will they ever get to a rational level? And why did we end up building so many Dog Crate Hellscapes? Why did Planners & City Governments let it happenWe have the answers on this week's PodcastSupport the show

On this episode of Overdue Advice, MetCredit's podcast focused on cash flow strategies and financial literacy, host Bryn Griffiths talks with Noah Booth, a now-third-year student at Dalhousie University and author of the best-selling book “A Rich Future: Essential Financial Concepts for Youth”. As someone who wrote a book on personal finance before graduating high school, Noah brings a fresh, relatable perspective to young people (and parents, educators, and business owners) on how to build strong financial habits from an early age.Whether you're navigating your own financial journey or helping your kids avoid common pitfalls, this conversation is packed with practical advice for managing money, budgeting for life changes, and understanding the importance of starting early. The episode explores how basic financial literacy can make all the difference in avoiding debt, achieving stability, and setting up a "rich future," no matter your age. If you're a business leader or a parent worried about your youth's financial readiness, or a young adult wanting a head start, Noah's story and simple strategies are a powerful guide.Episode Highlights00:00:59 – Noah's passion project sparks his personal finance journey and reveals a gap in youth-targeted resources 00:03:02 – Why financial literacy is missing in schools and why that matters for young people00:04:03 – The challenges of digital spending and practical tips for mindful money management 00:05:31 – How a school presentation evolved into a published book, and partnering with RBC00:08:07 – Family support, early lessons, and using real-life examples—including siblings—in the book00:10:31 – Opportunities and impact since publishing; advice for teachers amplifying financial lessons 00:14:23 – Financial concepts apply at any age—breaking the silence on money conversations at home 00:15:36 – The power of starting early with budgeting, saving, and compound interest 00:16:05 – Overcoming procrastination and taking action for your financial future 00:17:32 – Feedback from students and the influence of social media on money management 00:19:57 – Budgeting tips for life's big transitions, like moving away for school 00:20:10 – How to find more resources, connect, and apply these lessons via MetCredit and Noah's website Whether you're just starting out or recalibrating your finances, this episode offers overdue advice that can shape your path to security and success … at any age! Be sure to share the book with a young person.Noah's website: ARichFuture.com

Gugs Mhlungu chats to Resident Certified Financial Planner, Paul Roelofse about how AI can help you explore financial questions, manage tasks, build budgets, and find tailored answers to your money concerns and why this creates an opportunity for collaboration between financial advisors and AI rather than replacing their work. 702 Weekend Breakfast with Gugs Mhlungu is broadcast on 702, a Johannesburg based talk radio station, on Saturdays and Sundays Gugs Mhlungu gets you ready for the weekend each Saturday and Sunday morning on 702. She is your weekend wake-up companion, with all you need to know for your weekend. The topics Gugs covers range from lifestyle, family, health, and fitness to books, motoring, cooking, culture, and what is happening on the weekend in 702land. Thank you for listening to a podcast from 702 Weekend Breakfast with Gugs Mhlungu. Listen live on Primedia+ on Saturdays and Sundays from 06:00 and 10:00 (SA Time) to Weekend Breakfast with Gugs Mhlungu broadcast on 702 https://buff.ly/gk3y0Kj For more from the show go to https://buff.ly/u3Sf7Zy or find all the catch-up podcasts here https://buff.ly/BIXS7AL Subscribe to the 702 daily and weekly newsletters https://buff.ly/v5mfetc Follow us on social media: 702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/Radio702 702 on YouTube: https://www.youtube.com/@radio702See omnystudio.com/listener for privacy information.

Steve Forbes explains why the experience of the pilgrims could off a much-needed Thanksgiving lesson for NYC Mayor-elect Zohran Mamdani: that socialism doesn't work.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

“Personal finance is personal.” — Anthony Weaver In this episode of Better Call Daddy, host Reena Friedman Watts and her dad, Wayne, welcome Anthony Weaver, a financial educator and podcast host, to dive deep into the fascinating world of personal finance and the stories our wallets tell. Anthony shares his journey from teaching mathematics to exploring the nuances of money management, discussing how his relationship with money has evolved over time. He reflects on the importance of understanding the psychology behind spending and saving, emphasizing that personal finance is not just about numbers, but about the choices we make based on our values and experiences. Understanding Money Mindsets Anthony explains how our upbringing shapes our financial habits, from couponing to hoarding, and how the mindset of scarcity can affect our ability to enjoy life. He encourages listeners to rethink their money narratives and to consider what truly brings joy in their lives. He shares valuable insights on: - The thrill of couponing and how it can lead to significant savings - The importance of enjoying experiences while being financially savvy - How to navigate insurance and healthcare costs effectively - Strategies for teaching financial literacy to younger generations Life Lessons & Future Aspirations As a member of the sandwich generation, Anthony discusses the realities of caring for aging parents while planning for his own future. He reveals his curiosity about the funeral industry and the importance of discussing end-of-life plans with loved ones, emphasizing that it's never too early to have these conversations. Wayne adds his wisdom, highlighting the balance between saving for the future and enjoying the present, reminding us that life is precious and should be lived fully. Keywords & Core Themes Personal Finance, Couponing, Financial Education, Money Mindset, Insurance, Healthcare Costs, Financial Literacy, Parenting, Saving, Spending, Life Lessons, Podcasting, End-of-Life Planning, Money Management Episode Highlights (00:00) Welcome to the Better Call Daddy Show (01:20) Meet Anthony Weaver: From Teacher to Financial Educator (05:45) The Evolution of Money Mindsets (12:30) The Thrill of Couponing: Tips & Tricks (20:15) Navigating Insurance and Healthcare Costs (30:00) Teaching Financial Literacy to Kids (40:50) Conversations About End-of-Life Planning (50:00) Wayne's Wisdom on Saving and Enjoying Life (55:30) Closing Thoughts and Reflections Connect with Anthony Weaver Podcast: About That Wallet  Connect with Reena Friedman Watts Better Call Daddy Website | LinkedIn | Instagram | YouTube Thank you for tuning in to Better Call Daddy—where wisdom, creativity, and heart meet!

NASCAR star Kyle Busch is suing Pacific Life after losing millions in a complex index universal life (IUL) insurance strategy—and the lessons for physicians are huge. In this episode, Dr. Jimmy Turner and Justin Harvey break down what happened, why complexity and “trust-based” sales tactics so often burn high-income professionals, and how to protect yourself from misleading financial products and advisors. Whether you're a physician navigating insurance pitches, investment opportunities, or affinity-based recommendations, this real-world case is a must-listen.Join the MMM weekly update filled with exclusive content, lessons, discounts, and deals. Hits your inbox once each week. Click here to joint: https://moneymeetsmedicine.com/updateEvery doctor needs own-occupation disability insurance.  To get it from a source you can trust? Visit https://moneymeetsmedicine.com/disabilityWant a free copy of The Physician Philosopher's Guide to Personal Finance?  Visit https://moneymeetsmedicine.com/freebook Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Today, Jesse is joined by Dr. Phil Pearlman—psychologist, behavioral finance veteran, and founder of the Pearl Institute—for a conversation about how long-term health and long-term wealth are two sides of the same coin. Together, they explore why the holiday season, while full of joy and connection, is also the unhealthiest stretch of the year for most Americans—and how small, deliberate choices can reverse that trend. Phil shares his "four pillars of health"—nutrition, exercise, sleep, and love/community—alongside his own powerful story of addiction, recovery, and rediscovering the athlete within. From the parallels between compounding habits and compounding returns to the dangers of "energy toxicity" in modern diets, the discussion connects physical and financial wellbeing through the shared principles of discipline, awareness, and intentional living. Phil explains why cutting alcohol, prioritizing protein, and starting with just one sustainable habit—like morning walks—can transform both body and mindset. Throughout, Jesse and Phil remind listeners that you only get one body, one life, and one chance to invest in both wisely. Key Takeaways: • Health and wealth are interconnected — both require discipline, patience, and compounding habits to create long-term success. • Nutrition is the top priority; you can't "out-exercise" a bad diet, and most health challenges begin with poor food choices. • Alcohol is one of the biggest barriers to health, harming sleep, metabolism, mood, and long-term physical wellness. • Phil's personal transformation—from addiction and poor health to sobriety and vitality—shows that renewal is always possible. • Morning walks are a high-impact, low-barrier habit, improving mood, metabolism, and sleep cycles. • Community and connection are health essentials, not luxuries; love and belonging strengthen both body and mind. Key Timestamps: (00:00) – The Power of a Deeper Yes (07:29) – Identifying Your Core Values and Spending (12:00) – The Four Pillars of Health (22:06) – Seasonality and Health During the Holidays (33:41) – The Role of Alcohol in Nutrition (39:10) – Setting Health Goals for the New Year Key Topics Discussed:The Best Interest, Jesse Cramer, Wealth Management Rochester NY, Financial Planning for Families, Fiduciary Financial Advisor, Comprehensive Financial Planning, Retirement Planning Advice, Tax-Efficient Investing, Risk Management for Investors, Generational Wealth Transfer Planning, Financial Strategies for High Earners, Personal Finance for Entrepreneurs, Behavioral Finance Insights, Asset Allocation Strategies, Advanced Estate Planning Techniques Mentions: Website: https://primecuts.philpearlman.com/  LinkedIn: https://www.linkedin.com/in/philip-pearlman-1002183/ Mentions: https://bestinterest.blog/do-you-have-a-deeper-yes/  More of The Best Interest: Check out the Best Interest Blog at https://bestinterest.blog/ Contact me at jesse@bestinterest.blog Consider working with me at https://bestinterest.blog/work/ The Best Interest Podcast is a personal podcast meant for education and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

Steve Forbes breaks down why any Russia-Ukraine peace plan that leads to the domination of Ukraine by Russia will prove to be a false success, and would set in motion horrific consequences not only in Europe but Asia and the rest of the world.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode, Christina Lecuyer shares the biggest themes coming up in her client conversations: from clarity struggles to major breakthroughs. She dives into what real ROI in coaching looks like, why clarity is the ultimate accelerator, and how the people around you quietly shape your success.Christina also gets real about the truth behind “passive income,” what actually builds confidence, and the power of taking aligned action even when things feel messy. She closes with a grounded reflection on personal growth and a preview of what's ahead on the show.This one is direct, energizing, and exactly what you need if you're craving momentum. If you enjoyed this episode, make sure and give us a five star rating  and leave us a comment on iTunes, Podcast Addict, Podchaser and Castbox about what you'd like us to talk about that will help you realize that at any moment, any day, you too can decide, it's your turn! 

Amy talks with the host of ‘How to Money’ Joel Larsgaard about Black Friday return policies, nostalgia buying, and a possible bear market.See omnystudio.com/listener for privacy information.

Stephen Grootes chats to Warren Ingram, financial adviser and co-founder of Galileo Capital, about how investors can seize opportunities as South Africa enters a period of economic optimism. The Money Show is a podcast hosted by well-known journalist and radio presenter, Stephen Grootes. He explores the latest economic trends, business developments, investment opportunities, and personal finance strategies. Each episode features engaging conversations with top newsmakers, industry experts, financial advisors, entrepreneurs, and politicians, offering you thought-provoking insights to navigate the ever-changing financial landscape.    Thank you for listening to a podcast from The Money Show Listen live Primedia+ weekdays from 18:00 and 20:00 (SA Time) to The Money Show with Stephen Grootes broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3Nk For more from the show, go to https://buff.ly/7QpH0jY or find all the catch-up podcasts here https://buff.ly/PlhvUVe Subscribe to The Money Show Daily Newsletter and the Weekly Business Wrap here https://buff.ly/v5mfetc The Money Show is brought to you by Absa     Follow us on social media   702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/CapeTalk 702 on YouTube: https://www.youtube.com/@radio702   CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/Radio702 CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

Stephen Grootes chats to Warren Ingram, financial adviser and co-founder of Galileo Capital, about how investors can seize opportunities as South Africa enters a period of economic optimism. The Money Show is a podcast hosted by well-known journalist and radio presenter, Stephen Grootes. He explores the latest economic trends, business developments, investment opportunities, and personal finance strategies. Each episode features engaging conversations with top newsmakers, industry experts, financial advisors, entrepreneurs, and politicians, offering you thought-provoking insights to navigate the ever-changing financial landscape.    Thank you for listening to a podcast from The Money Show Listen live Primedia+ weekdays from 18:00 and 20:00 (SA Time) to The Money Show with Stephen Grootes broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3Nk For more from the show, go to https://buff.ly/7QpH0jY or find all the catch-up podcasts here https://buff.ly/PlhvUVe Subscribe to The Money Show Daily Newsletter and the Weekly Business Wrap here https://buff.ly/v5mfetc The Money Show is brought to you by Absa     Follow us on social media   702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/CapeTalk 702 on YouTube: https://www.youtube.com/@radio702   CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/Radio702 CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

Are you good with money but still feel like you're not getting ahead? Most people follow traditional personal finance advice and still struggle to build real wealth. In this video, we break down why personal finance fails so many people and how the Infinite Banking Concept can give you control, security, and real growth with your money. Learn how to make your money work harder, protect your cash, and create a system that puts you in charge instead of relying on advisors or average returns that rarely reflect reality. We cover mindset shifts, wealth-building strategies, and how to take full control of your finances while building wealth today, not just tomorrow. If you want to stop following the baby step approach, escape the rat race, and put your money to work in multiple ways at once, this video will show you a better path to financial freedom. Join the Tactical Empire Network for free to attend our Infinite Banking webinar and start taking control of your money today.

Send us a textIn this comprehensive episode, canna-lawyer Tom dives into the recent changes in federal hemp laws and their impact on the industry. Drawing from his extensive experience in the field, Tom provides an in-depth analysis of the new hemp regulations, including the redefinition of hemp, the inclusion of THCA, and the stringent guidelines for THC concentration. If you work in cannabis, want to get into the industry, or just want to keep up with the politics shaping the plant — this is your weekly briefing.00:00 Welcome to the Show!00:55 Thanksgiving Week and Cannabis Legalization01:24 States Poised for Legalization in 202603:10 Hemp and Legalization Challenges05:12 The Hemp Loophole and Legal Battles10:31 The Future of Hemp and Cannabis18:44 Podcast and Reviews21:34 Ranting About Industry Leaders22:06 Legal Troubles and Financial Woes23:07 Understanding Put Options24:09 Cookies' Business Model25:29 Personal Finance and Business Sense26:12 Cannabis Industry Branding28:19 Health Concerns in the Cannabis Industry29:19 Regulatory Challenges and Legislative Reform32:57 Federal Prohibition and Legal Battles34:28 Name That Strain36:48 Florida's Marijuana Legislation39:21 Market Monopolies and Licensing Issues43:41 Cannabis and Alcohol Consumption Study44:08 Technical Difficulties and Sign Off

Steve Forbes explains why the Main Street Deposited Protection Act, which would raise the FDIC insurance limit from $250,000 to $10 million, would expose taxpayers to enormous risk, eliminate crucial market discipline, and primarily benefit wealthy corporations rather than ordinary Americans.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode of the Engineering Our Future podcast, Nicolai and I deliver a genuine, practical conversation about building real financial security through emergency funds and sinking funds. We draw from personal experience, sharing how our mindsets about money evolved and the crucial role that tailored, “bare bones” emergency funds play in handling life's curveballs—like sudden car breakdowns or medical bills. Our stories underscore that financial mistakes happen to everyone but can be great teachers, reinforcing the benefits of incremental progress and making informed, individualized choices based on one's comfort zone and risk tolerance.[15]“Financial peace isn't about having the perfect system—it's about building habits that give you confidence to handle both emergencies and expected expenses without fear or debt.”A central theme of our discussion is the distinction between emergency funds, meant for unexpected crises, and sinking funds, designed for predictable but irregular expenses such as holidays, birthdays, and home repairs. We provide actionable tips on setting up high-yield savings accounts, tracking various fund categories, and managing the psychological hurdle of using savings when needed. By emphasizing adaptable systems like customizable sinking funds and a strategic use of HSAs, this episode empowers listeners to start small, build habits, and gradually cultivate lasting peace of mind around money—the goal being to respond to both the expected and the unpredictable without fear or debt.Lessons and Takeaways* Build a tailored emergency fund - Calculate your personal “bare bones” monthly expenses and save 3-6 months' worth in a high-yield savings account to handle unexpected crises without going into debt.* Create separate sinking funds - Set up dedicated savings categories for predictable irregular expenses like holidays, birthdays, car maintenance, and home repairs to avoid financial stress when these costs arise.* Start small and build gradually - Begin with manageable savings goals ($500-1000) for your emergency fund, then consistently add to it over time rather than feeling overwhelmed by trying to save everything at once.* Optimize your health savings - Consider using HSAs strategically not just for medical expenses but as potential long-term investment vehicles with unique tax advantages.* Develop systems that match your psychology - Create financial tracking methods that work with your personality and habits, making it easier to maintain good money management practices consistently.Links and References* Remit Sethi Podcast* Psychology of Money* Episode on Paying Debt Get full access to Engineering our Future at engineeringourfuture.substack.com/subscribe

The Government is being forced to bring in emergency regulations to stop companies attempting to subvert the new auto-enrolment pension. We get more on this with Charlie Weston, Personal Finance editor with the Irish Independent.

In today's episode, we explore the power of generosity and the traditions that can help our kids grow into grateful and giving adults. We walk through five simple and meaningful family giving ideas, including Big Tip Tuesday, the Big Give, glovebox giving, and volunteer habits that bring families closer. Then we sit down with Angela Rozmyn from Women's Personal Finance to learn how she and her husband reached Coast Fire in their thirties and how intentional living shaped their journey. Angela shares transparent details about their investing, lifestyle choices, and the trade-offs that helped them create more time freedom as parents. We close with a heartwarming Good Word story featuring Calvin and a Today.com piece about a baker who delivers free birthday cakes to his neighbors experiencing homelessness. It is a powerful reminder that even small acts of kindness can make a big difference. If you want more margin to live generously, check out Own Your Time at https://marriagekidsandmoney.com/ownyourtimeamazon Chapters 0:00 Welcome to the show 0:24 Five family giving traditions 9:05 Coast Fire Couple interview with Angela Rozmyn 38:30 Where to find Angela online 39:02 The Good Word with Calvin 40:55 Today.com good news story 43:45 Final thoughts Resources and Links Women's Personal Finance (Angela Rozmyn)https://womenspersonalfinance.org/ Baker delivers free birthday cakes to homeless peoplehttps://www.today.com/food/people/baker-delivers-free-birthday-cakes-to-homeless-people-rcna235965 Own Your Time - New book: https://marriagekidsandmoney.com/ownyourtimeamazon Crew: https://marriagekidsandmoney.com/crew Sponsors and additional resourceshttps://marriagekidsandmoney.com/sponsors Disclaimer This show is for entertainment purposes only. Be sure to seek out a professional for your specific financial situation. As an Amazon Associate, I earn from qualifying purchases. Credits Editor: Johnny Sohl Podcast Artwork: Kayli Johnson Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the Money Meets Medicine podcast hosted by Justin Harvey and Dr. Jimmy Turner, the discussion centers on recent developments in physician finance, particularly around real estate syndication deals and capital calls. Dr. Turner delves into the financial pitfalls and lessons from particular real estate investments targeted at physicians. They discuss the concept of 'affinity fraud,' where trusted social or professional bonds are exploited for financial gain, and dissect why such investments are often riskier than they appear. The conversation also touches on the importance of understanding compensation models and incentives when receiving financial advice, the necessity of due diligence, and the role of being an accredited investor. Looking for own-occupation disability insurance? Get a quote from a company you can trust at https://moneymeetsmedicine.com/disabilityDownload a free copy of The Physician Philosopher's Guide to Personal Finance at https://moneymeetsmedicine.com/freebook  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

The idea of a 50-year mortgage was recently floated by President Trump as an option to make homes more affordable. Would the idea actually work?

Steve Forbes lays out an economic program that President Trump can employ to lower costs for American citizens and prevent a Republican routing in the 2026 midterms.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this powerful episode, Christina Lecuyer cracks open her personal playbook—hundreds of pages of lessons, mindset shifts, and real-world strategies that have shaped her success. She dives into the simple daily habits that create extraordinary results, like the underestimated power of a daily walk, taking action before you feel “ready,” and reframing anxiety into fuel.Christina also gets real about personal responsibility, the mindset behind true integrity, and why setting boundaries is non-negotiable if you want a life aligned with purpose. If you're ready to stop playing small and step fully into your potential, this episode will light a fire under you. If you enjoyed this episode, make sure and give us a five star rating  and leave us a comment on iTunes, Podcast Addict, Podchaser and Castbox about what you'd like us to talk about that will help you realize that at any moment, any day, you too can decide, it's your turn! 

Send us a textThis week let's chat about some practical suggestions for hosting a Thanksgiving that's just a little more sustainable. From planning the meal to polling guests before they show up, you're sure to leave today's episode with at least one idea you hadn't considered before!Links from today's episode:Time Magazine: Thanksgiving Food Waste Is Nothing To Celebrate. But There Are Ways To Combat Ithttps://time.com/6236321/thanksgiving-food-waste-ways-to-avoid/Farm-to-Table Thanksgiving: How to Host a Sustainable Fall Feasthttps://biofriendlyplanet.com/farm-to-table-thanksgiving-how-to-host-a-sustainable-fall-feast/ICYMI another episode you might enjoy:Episode#108 Decolonizing our Thanksgiving Plates (recorded before the 2024 rebranding of this show)Connect With Genet “GG” Gimja:Website https://www.progressivepockets.comTwitter https://twitter.com/prgrssvpcktsWork With Me:Email progressivepockets@gmail.com for brand partnerships, business inquiries, and speaking engagements.Easy Ways to Support the Show1. Send this episode to someone you know! Word of mouth is how podcasts grow!2. Buy me a coffee (or a soundproof panel!) https://buymeacoffee.com/progressivepockets 3. Leave a 5 star rating and review for the show!//NO AI TRAINING: Any use of this podcast episode transcript or associated show notes or blog posts to “train” generative artificial intelligence (AI) technologies to generate text is expressly prohibited. This includes, without limitation, technologies that are capable of generating works in the same style or genre as this content. The author reserves all rights to license uses of this work for generative AI training and development of machine learning language models//Support the show

Stephen Grootes speaks to Ms Nonkululeko Dlamini Group CFO of Telkom about their strong interim results for the first half of its 2026 financial year, driven by cost optimisation and a surge in mobile data subscribers despite modest revenue growth. In other interviews, Warren Ingram, financial advisor and Co-Founder of Galileo Capital, unpacks why sports betting should never be considered an investment. The Money Show is a podcast hosted by well-known journalist and radio presenter, Stephen Grootes. He explores the latest economic trends, business developments, investment opportunities, and personal finance strategies. Each episode features engaging conversations with top newsmakers, industry experts, financial advisors, entrepreneurs, and politicians, offering you thought-provoking insights to navigate the ever-changing financial landscape. Thank you for listening to a podcast from The Money Show Listen live Primedia+ weekdays from 18:00 and 20:00 (SA Time) to The Money Show with Stephen Grootes broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3Nk For more from the show, go to https://buff.ly/7QpH0jY or find all the catch-up podcasts here https://buff.ly/PlhvUVe Subscribe to The Money Show Daily Newsletter and the Weekly Business Wrap here https://buff.ly/v5mfetc The Money Show is brought to you by Absa Follow us on social media 702 on Facebook: https://www.facebook.com/TalkRadio702702 on TikTok: https://www.tiktok.com/@talkradio702702 on Instagram: https://www.instagram.com/talkradio702/702 on X: https://x.com/CapeTalk702 on YouTube: https://www.youtube.com/@radio702 CapeTalk on Facebook: https://www.facebook.com/CapeTalkCapeTalk on TikTok: https://www.tiktok.com/@capetalkCapeTalk on Instagram: https://www.instagram.com/CapeTalk on X: https://x.com/Radio702CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567See omnystudio.com/listener for privacy information.

Join us on Average Joe Finances as our guest Rizwan Memon, an equities and derivatives trader with 18 years of experience. Rizwan shares his journey from starting trading at 16 years old with $5,000 to becoming a seasoned trader specializing in U.S. financial markets. He discusses his strategies, including the use of complex options and shorting techniques, and offers advice to new investors. Rizwan also emphasizes the importance of transparency, diversifying investments, and maintaining a balanced approach to money and life. In this episode:Discover how starting early—even with limited knowledge—can build the foundation for long-term trading wisdom.Learn why Riz pulls profits from trading to diversify into real estate, protecting himself from market swings.Understand how technology has leveled the playing field, giving everyday traders access to tools once reserved for pros.Take in Riz's biggest lesson: financial success isn't just about returns—it's about ethics, balance, and building a life free from debt and pressure.And so much more!Key Moments:00:41 Meet Rizwan Mein: The Equities and Derivatives Trader01:19 Rizwan's Trading Journey: From 16 to Now04:21 Navigating the 2008 Financial Crisis06:49 Evolution of Trading Technology09:37 Rizwan's Advanced Trading Strategies15:51 Educating New Traders19:29 Podcast Break and Sponsor Shoutout22:44 Transparency in Trading23:49 Challenges in the Trading Industry24:31 Personal Financial Strategies25:56 Leveraging Debt vs. Buying Outright30:08 Final Round: Personal Insights38:44 Connecting with Riz40:23 Closing ThoughtsFind Rizwan MemonWebsite: https://rizinternational.com/Instagram: https://www.instagram.com/rizinternational/Youtube: https://www.youtube.com/@RizInternationalX: https://x.com/rizmemontradesThreads: https://www.threads.com/@rizinternationalAverage Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comShow Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSend us a textSupport the show

Steve Forbes warns of the ever-increasing nuclear threat posed by North Korea and its erratic dictator Kim Jong Un—and proposes putting nuclear weapons in key U.S. ally South KoreaSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Send us a textThis week we're exploring the topic of learning from Indigenous American chefs on how to use ingredients that are more authentic and historically accurate for our Thanksgiving celebrations.Links from today's discussion:Chef Sean Sherman Interview and Projectshttps://www.npr.org/2022/10/24/1131051237/the-sioux-chef-sean-shermanhttps://owamni.com/https://sioux-chef.com/Decolonizing Thanksgiving and Reviving Indigenous Relationship To Food byhttps://ndncollective.org/decolonizing-thanksgiving-and-reviving-indigenous-relationships-to-food/?fbclid=IwAR2N4_aL_EZtV-EvvtGoDHL_8E2b1VmsUO0bWv8cP0rByuR1RpRmnD8f_6cHow to Decolonize Your Thanksgiving Dinnerhttps://www.vice.com/en/article/9a8axe/how-to-decolonize-your-thanksgiving-dinnerSupport the show

Steve Forbes explains why axing the FCC once and for all would be a huge win for free speech and a major step in protecting the First Amendment from government overreachSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Robert Farrington, founder of The College Investor, posed 100 personal finance questions to Google AI and came away with 37 "misleading or inaccurate" answers, and while that sounds horrible, it actually represents an improvement of six percentage points over the results Farrington got making the same queries a year ago. Farrington notes that the outcomes are only as good as the inputs, meaning that consumers who don't know the right questions to ask will be more poorly served by artificial intelligence than those who know enough to ask solid questions. Catherine Collinson, president of the Transamerica Center for Retirement Studies, discusses "Retirement Throughout the Ages: The American Middle Class," which showed that U.S. adults earning between $50,000 and $199,999 annually are struggling to stay afloat and get ahead when it comes to retirement planning.  Todd Rosenbluth, head of research at VettaFi, looks to mid-cap stocks with momentum as he makes an offering from Invesco his ETF of the Week. Plus, Chuck tackles the subject of 50-year mortgages and how the real problem with the idea may be more on how it addresses housing affordability — or not — rather than the massive amounts of extra interest paid over the life of the ultra-long loans.

Jesse returns for the 10th "Ask Me Anything" episode to tackle three listener questions that cut to the core of modern wealth planning. He opens with a deep dive into direct indexing, separating substance from sales pitch. While advocates tout it as the next evolution of indexing—combining personalization and tax-loss harvesting—Jesse explains why, for most investors, the extra complexity, cost, and tracking error outweigh the modest tax advantages, making low-cost ETFs the better long-term choice. Next, he answers a question from a listener whose retirement timeline doesn't align with their spouse's, exploring how couples can navigate income changes, healthcare coverage, and tax strategy when one partner stops working years before the other. He breaks down the pros and cons of filing jointly versus separately, showing why joint filing almost always leads to lower overall taxes and greater flexibility. Finally, Jesse delivers a masterclass on decumulation—the art and order of withdrawing money in retirement. From spending taxable assets first to preserving Roth and HSA accounts for last, he maps out how smart sequencing, Roth conversions, and bracket management can extend portfolio life, minimize taxes, and keep retirees financially steady through every stage of the journey. Key Takeaways:• Direct indexing isn't revolutionary for most investors—it's often an overhyped, higher-cost alternative to low-cost ETFs with limited long-term benefits. • Married filing jointly is almost always the better tax choice, offering lower overall tax rates, higher standard deductions, and broader eligibility for credits. • Before changing filing status, couples should test both scenarios using online 1040 tax calculators to see the real impact on their total tax bill. • Guardrail and Monte Carlo strategies help retirees adjust withdrawal rates dynamically based on market performance, rather than using a rigid 4% rule. • HSAs can be used as stealth retirement accounts, reimbursing decades-old medical expenses tax-free or even acting as traditional IRAs after age 65. • The key to successful retirement planning is flexibility—balancing tax efficiency, market uncertainty, and personal goals to ensure sustainable income for decades. Key Timestamps:(02:24) – Tax Loss Harvesting: Strategies and Examples (10:06) – Direct Indexing: Pros and Cons (17:18) – Financial and Tax Planning for Lopsided Retirements (24:09) – Retirement Withdrawal Order of Operations (32:39) – Real-Life Financial Planning Experiences (40:56) – Roth Conversions and Tax Bracket Management (45:37) – Optimizing for Post-Death and Social Security Timing (52:26) – Common Mistakes in Retirement Withdrawal Strategies Key Topics Discussed:The Best Interest, Jesse Cramer, Wealth Management Rochester NY, Financial Planning for Families, Fiduciary Financial Advisor, Comprehensive Financial Planning, Retirement Planning Advice, Tax-Efficient Investing, Risk Management for Investors, Generational Wealth Transfer Planning, Financial Strategies for High Earners, Personal Finance for Entrepreneurs, Behavioral Finance Insights, Asset Allocation Strategies, Advanced Estate Planning Techniques Mentions:https://bestinterest.blog/retirement-withdrawal-order-of-operations/ https://www.guidestone.org/resources/education/calculators/tax/tax1040 https://bestinterest.blog/0-capital-gains-vs-roth-conversions-how-to-optimize-in-your-financial-plan/ https://bestinterest.blog/spousal-survivor-divorced-social-security/  More of The Best Interest:Check out the Best Interest Blog at https://bestinterest.blog/ Contact me at jesse@bestinterest.blog Consider working with me at https://bestinterest.blog/work/ The Best Interest Podcast is a personal podcast meant for education and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.  

Stocks are up. Consumers are cautious. We unpack the widening gap between Wall Street's rally and Main Street's reality, from falling consumer confidence to rising credit card balances. And how you should approach it from an investment perspective.

Steve Forbes demands reform of the U.S.'s air traffic control system as the government shutdown, and many recent accidents, have shown its vulnerability—and calls for the system to be turned into an independent non-profit organization removed from politics.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode, Christina Lecuyer gets real about clarity, boundaries, and choosing yourself—especially when the holiday season starts pulling you in every direction. If you've ever struggled to say no, felt guilty prioritizing your needs, or found yourself overwhelmed trying to make everyone happy, this conversation is one you'll want to hear.Christina breaks down what it means to be “selfish” in a way that's actually healthy, empowering, and necessary for a life that feels aligned. Because when you're clear on what you want, you not only show up better for yourself—you show up better for everyone around you.

Maggie Tucker shares her journey to financial independence at the age of 41, discussing her experiences with fear and anxiety about leaving a secure job. Her insights on the importance of community, transparency in financial matters, and travel with children highlight how to embrace a fulfilling life beyond conventional measures of success. Timestamps & Key Topics: 00:00:00 Podcast Intro 00:01:38 Maggie's Financial Journey Maggie reflects on her upbringing and financial habits. 00:07:02 Overcoming Financial Fears Maggie discusses her fears about running out of money and regretting her job change. Key Insight: "Fear of running out of money and regretting career change plagued me." 00:08:16 Reflecting on Career Choices The identity shift after leaving a high-paying job and the revelation that work was not all of who she was. Key Insight: "I don't regret leaving my job; my identity was more than work." 00:10:20 Strategies to Mitigate Fear Quantifying fears by assigning costs to them helped Maggie alleviate financial anxiety. Actionable Takeaway: "Make a list of financial fears and quantify their impact to manage anxiety around financial independence." 00:26:04 The Importance of Travel Maggie shares her perspective on travel as a bonding experience with her children, stressing that families can travel anywhere and enjoy it. Key Insight: "I think you can take kids anywhere, it's about aligning travel with their interests." 00:44:40 Listener Questions Maggie addresses various listener inquiries, including her strategies for financial independence and travel with kids. 01:04:34 Conclusion Actionable Takeaways: Create a detailed list of financial fears and assess their potential impact to reduce anxiety regarding financial independence. When traveling with children, ensure activities cater to their interests for a more enjoyable experience. Key Quotes: "Quantifying fears helped me mitigate anxieties around money." 00:10:20 "Creating for joy is now viewed as radical." 00:48:31 Discussion Questions: What fears do you have about achieving financial independence? 00:07:02 How can discussing financial fears with others help alleviate anxiety? 00:10:20 What strategies can you implement to quantify your financial fears? 00:10:20 What are the benefits of travel for families? 00:59:53 Speaker Highlights: Maggie Tucker: Creator and host of Inside Out Money, achieved financial independence by actively managing her salary and savings, while also facing her fears head-on. Related Resources: Inside Out Money Podcast