Podcasts about Ramsey

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Dave Ramsey says retirees can safely withdraw 8% a year from the stock market, but does his retirement planning math actually hold up? David McKnight breaks down why Ramsey's approach overlooks a critical risk, and why annuities may be the missing piece to sustainably boosting your retirement income beyond the traditional 4% Rule. In this episode, David McKnight examines Dave Ramsey's 8% withdrawal rate claim and why retirement planning may need annuities, and not just the stock market. For Ramsey, you can take 8% per year out of your stock market portfolio in retirement, despite what other financial planning advisors may say. Ramsey believes that advisors suggesting their clients follow the so-called 4% Rule are misadvising their clients. Wade Pfau, one of the most respected retirement researchers in the U.S. looked at what would happen if a retiree invested 100% of their money in stocks and took an 8% annual withdrawal each year, adjusted for inflation. The attempt to make that money last for 30 years failed in an astounding 63% of the cases. David thinks that Ramsey's calculations are flawed because he didn't take into consideration the sequence of returns risk. He shares an example that illustrates how Ramsey's 12% growth rate actually ends up falling apart (and costing retirees their hard-earned money). Once you're taking distributions, the order in which you experience sequence of returns can make the difference between your money lasting for the rest of your life or running out sooner. While David agrees with Ramsey in that retirees shouldn't settle for a 4% withdrawal rate in retirement, he believes that there are more reliable ways to improve upon the 4% Rule. The irony is that the most reliable ways to improve upon the 4% Rule is to use financial instruments Ramsey has spent decades telling his audience to avoid. Those tools are guaranteed lifetime income annuities and permanent cash value life insurance. David discusses the volatility shield, an account outside your stock portfolio that holds 3-5 years of discretionary expenses. The idea is to live out of that account in the year following a down year in the stock market. That way, your stock portfolio has a chance to recover before you take further distributions. This act alone can increase the sustainable withdrawal rate on your stock portfolio from 4% to as high as 8% with a 95% confidence rate. David's preferred vehicle for accomplishing that is properly structured, property funded indexed universal life insurance (IUL). An Ernst & Young study focused on what happens when you combine investments with permanent life insurance with guaranteed lifetime income annuities. What they found is that when you adopt an integrated approach that incorporates both cash value life insurance and annuities, you draw more retirement income with better outcomes than if you relied on investments alone. While David agrees with Ramsey's point that a 100% stock allocation in retirement makes sense, there's something he disagrees with – he explains what it is and their views differ. "Perhaps, Dave Ramsey isn't wrong about wanting retirees to enjoy an 8% level of income, he's just using the wrong tools to get there", David argues. Mentioned in this episode: David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track The Power of Zero: How to Get to the 0% Tax Bracket and Transform Your Retirement by David McKnight DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Dave Ramsey Wade Pfau Ernst & Young  

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What happens when being a great clinician is no longer enough?Dr. Christopher Ramsey (@chris_ramsey_dmd) has spent more than 25 years in dentistry, but his approach to building a successful practice has surprisingly little to do with chasing the latest technique, impressing other dentists, or adding another plaque to the wall.His philosophy: stop treating dentistry like a commodity.In this episode, Ellie Halabian sits down with Dr. Ramsey to unpack what actually separates practices once clinical competency is expected—from Disney-level hospitality and uncompromising team standards to patient psychology, case presentation, fees, and the subtle details that shape how patients perceive value.Ramsey explains why everything that happens inside a dental practice is "theater," why great hospitality can sometimes outperform better dentistry, and why dentists need to stop making business decisions based on fear.They also get into the part most dentists struggle to talk about: money and case acceptance. Ramsey breaks down why his consults convert at a high rate without pressure or gimmicks, why he doesn't lead with before-and-after photos, and how body language, language, environment, and trust influence a patient's decision long before you ever present a treatment plan.This isn't an episode about becoming another better dentist. It's about building a practice patients can immediately tell is different.In this episode, we discuss:Why clinical excellence alone won't differentiate your practice — and what patients actually notice.What Disney can teach dentistry about hospitality, consistency, team standards, and perceived value.Why dentists undercharge and undersell themselves — and how fear quietly shapes the practices they build.The psychology behind a high-converting consult — without pressure, gimmicks, or hard selling.Why Ramsey doesn't lead with before-and-after photos and what he believes creates trust instead.Why your local market matters more than Instagram — and the danger of building a practice to impress other dentists.Want to learn more from Dr. Christopher Ramsey? Explore his courses, speaking programs, and resources at ChristopherRamsey.com or follow him on Instagram.If this episode challenged your perspective or sparked a new conversation, I'd love to hear your thoughts. Be sure to follow TeethMatter for more conversations exploring the future of dentistry, practice ownership, leadership, and the people shaping our profession._____Don't miss out on these deals: Prioritize your wellness—shop my daily essentials here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://teethmatterpod.com/store⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠COCOFLOSS - Use code TM20 to get 20% off ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://cocofloss.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ FIGS - Use referral code to get 20% off ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://fbuy.io/figs/elliehalabian⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ENOVA ILLUMINATION - Use code TEETHMATTER10 for 10% off ⁠⁠⁠https://goenova.com/ ⁠⁠⁠If you want to join the conversation about the realities of dentistry, follow: Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@_teethmatter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ LinkedIn: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ellie Halabian⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠__________________________If you enjoy the podcast, subscribe and rate ⭐️. If you think a friend will enjoy it, please share it with them.

Josh and Emily continue their discussion of the Financial Counseling textbook by Durband, Law, and Mazzolini. This episode focuses on Chapter 5, exploring how self‑awareness shapes the effectiveness of financial counselors, emphasizing the need for professionals to understand their own traits, biases, past experiences, and emotional triggers. The hosts discuss how counselor self‑awareness influences client relationships, goal‑setting, and the ability to adapt plans, while highlighting tools like transference awareness, cognitive bias recognition, and reflective practice.Top takeaways: Self‑confidence can be both a strength and a blind spot, often reducing a counselor's tendency to self‑question. Flexibility is essential—rigid, book‑based systems (e.g., Ramsey‑style plans) fail to meet clients where they are. Emotional bonds require vulnerability with boundaries, balancing empathy with professionalism. Mutual agreement on goals is critical to success; when counselors impose their own priorities or values, the goal will likely not be achieved. Understanding personality theory strengthens counselor self‑awareness, helping professionals recognize how their traits, past experiences, and default reactions shape client interactions. Transference and counter‑transference shape client interactions, especially around emotionally charged topics like debt. Cognitive biases distort judgment, making ongoing self‑reflection critical for accurate decision-making. Past experiences shouldn't become default recommendations; what worked for the counselor may not fit the client's situation. Self‑awareness practices matter: seek feedback, record and review sessions (with client permission), track session participation, work underneath or with other coaches, track recommendation success, and watch yourself for auto‑recommendations. Money history questions can deepen understanding of yourself. Self‑care supports counselor effectiveness, improving emotional presence and reducing reactivity. Chapter 5 of Financial Counseling reinforces that self‑awareness is not optional—it's foundational. Counselors who understand their own biases, triggers, and histories are better equipped to build trust, personalize guidance, and support clients with clarity and compassion.Want help building or growing a successful financial coaching business? Start here:Exploring financial coaching? Join our free community of 6,000+ coaches:https://www.facebook.com/groups/financialcoachescommunityReady to learn more? Get our free 8‑part email series with 30+ tips:https://www.financialcoachesnetwork.com/pre-launch-email-seriesLaunching your business? Check out FCN Biz DIY, our step‑by‑step program:https://www.financialcoachesnetwork.com/biz-diyLove coaching but not running a business? Beta test MoneyCoach Network:https://form.jotform.com/231063470154043

"Arise, shine for your light has come and the glory of the Lord is risen upon you!"

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Ramsey recently got to see a trio of Canadian legends take the stage and left with a reignited love of the band Metric. So, join him as he introduces Heather to the many eras of Metric! Discover bonus eps, merch and more on our Patreon! This week: Marriage proposals! Commanding people to dream! And a whole bunch of rumors and speculation! All this and so much MORE! Wanna get a shout-out on a future episode? Give us a rating on iTunes! It helps us, and it helps you feel good about yourself!

The JonBenét Ramsey ransom note gets another deep analysis.In this episode of True Crime with Jen Coffindaffer FBI, Jen Coffindaffer is joined by Steve Pagano, a law-enforcement officer and investigative linguistics expert, to take a closer look at the infamous ransom note.Steve examines the wording, sentence structure, and even the very first words—“Mr. Ramsey, listen carefully.” Why address John Ramsey by name when the note was supposedly left inside the home? And why use the word “listen” in a written ransom note?Jen and Steve break down the language and the potential red flags they see, while comparing elements of the JonBenét note to the ransom notes in the Nancy Guthrie case.Is the language in this note telling us more than we realize?#BreakTheCase #JonBenetRamsey #JonBenet #RansomNote #StevePagano #JenCoffindaffer #StatementAnalysis #InvestigativeLinguistics #TrueCrime #ColdCase #TrueCrimeCommunity #CoffindafferFBI

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Operating Twist  becomes Operation FAIL. NVDA Earnings and other interesting stuff. We get into the real facts about our oil reserves. Asset Allocation finally explained with our guest -Tom Nelson, Senior Vice-President and head of asset allocation portfolio management at Franklin Templeton.  NEW! DOWNLOAD THIS EPISODE'S AI GENERATED SHOW NOTES (Guest Segment) Tom Nelson is a senior vice president and head of asset allocation portfolio management for Franklin Templeton Investment Solutions. He is a member of the Investment Strategy & Research Committee. He is a portfolio manager of a number of funds offered for sale in various jurisdictions. He is lead portfolio manager of the Franklin NextStep Fund series, the Franklin VolSmart Allocation VIP Fund and numerous model portfolio programs. He is portfolio manager of Franklin LifeSmart Retirement Target Funds, the Franklin Fund Allocator Series available in the United States and several custom institutional portfolio mandates. Mr. Nelson joined Franklin Templeton in 2007 and co-founded the firm’s quantitative research services group upon joining the company. He moved to Franklin Templeton Investment Solutions in 2009. Prior to working at Franklin Templeton, Mr. Nelson worked for Bloomberg LP from 1991 to 2007, where he was most recently manager of the Americas market specialist teams. Mr. Nelson holds a B.S. in accounting from the University of Delaware. He is a Chartered Financial Analyst (CFA) charterholder and a Chartered Alternative Investment Analyst (CAIA) charterholder. He is a member of the CFA Institute, the New York Society of Security Analysts and the Chartered Alternative Investment Analyst Association. Check this out and find out more at: http://www.interactivebrokers.com/ Looking to invest in The Disciplined Investor Managed Growth Strategy? Click HERE for the virtual tour →  www.thedisciplinedinvestor.com Follow @andrewhorowitz Stocks Mentioned in the Episode: (NVDA), (DELL), (SNDK), (MU), (MSFT), (AAPL), (AMZN), (META), (GOOGL), (XOM), (CVX), (BTC-USD), (GLD), (SLV)

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Allie Mae, Ramsey Hernandez, and Derick Gonzales join Geo and Derek to breakdown performing at a historic Kill Tony Madison Square Garden show, open-world gaming rumors, and high-profile news headlines.In This Episode:Kill Tony at MSG: Derek and Ramsey share their firsthand experience performing at Madison Square Garden for Kill Tony, navigating sign-up madness, and handling the adrenaline of a sold-out arena crowd.Studio Accounting & Drama: Geo and Derek air out recent schedule conflicts, party invite mix-ups, and long-standing debts between the hosts.Gaming & Media News: The panel dives into the latest GTA 6 leaks and debates why modern developers are shifting open-world sandbox mechanics.True Crime & Legal Headlines: A deep dive into high-profile news cases, including the Luigi Mangione trial headlines, street security realities, and navigating the New Jersey correctional system.ON THE GATE! ENJOY!Original air date: 8/24/26Join the live chat Wednesday nights at 11pm EST. Uncensored versions of the show streamed Monday and Thursday at 2pm EST on GaSDigital.com. Signup with code OTG for the archive of the show and others like Legion of Skanks, The Regz, and Story Warz. FOLLOWGeo PerezInstagram - https://www.instagram.com/geoperez86/Derek DrescherInstagram - https://www.instagram.com/derekdrescher/See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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The JonBenét Ramsey ransom note is one of the most scrutinized pieces of evidence in the case—and now we're breaking it down line by line.In this episode of True Crime with Jen Coffindaffer FBI, Jen Coffindaffer is joined by interrogation and statement-analysis expert Lena Sisco to examine the infamous ransom note and the language, instructions, and patterns hidden within it.Why does the note repeatedly shift between “I” and “we”? Why provide an alternate delivery date? And what can the wording reveal about the mindset of whoever wrote it?Jen and Lena go deep into the note—and this is just the beginning of their JonBenét Ramsey series.#BreakTheCase #JonBenetRamsey #JonBenet #RansomNote #LenaSisco #JenCoffindaffer #TrueCrime #StatementAnalysis #Interrogation #ColdCase #UnsolvedMystery #TrueCrimeCommunity #CoffindafferFBI

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