Podcasts about Red Zone

We'll be doing a draft recap, NBA playoffs and more!   About TIR Thank you, guys, again for taking the time to check this out. We appreciate each and every one of you. If you have the means, and you feel so inclined, BECOME A PATRON! We're creating patron-only programming, you'll get bonus content from many of the episodes, and you get MERCH!   Become a patron now: https://www.patreon.com/join/BitterLakePresents   Please also like, subscribe, and follow us on these platforms as well, especially YouTube!   THANKS Y'ALL   YouTube: www.youtube.com/thisisrevolutionpodcast   Twitch: www.twitch.tv/thisisrevolutionpodcast & www.twitch.tv/leftflankvets Facebook: https://www.facebook.com/Thisisrevolutionpodcast/   Twitter: @TIRShowOakland Instagram: @thisisrevolutionoakland   Pascal Robert in Newsweek: https://www.newsweek.com/black-political-elite-serving...   Get THIS IS REVOLUTION Merch here: www.thisisrevolutionpodcast.com   Get the music featured on the show here: https://bitterlakeoakland.bandcamp.com/   Follow Djene Bajalan @djenebajalan Follow Kuba Wrzesniewski @DrKuba2

For the 85th episode of Private Parts Unknown, hosts Courtney Kocak and Sofiya Alexandra welcome author Chloe Caldwell for a deep dive into her latest book, The Red Zone, about her experience with PMDD and how that impacted her relationships. The Red Zone: A Love Story is a searching, galvanizing memoir about blood and love: how learning more about her period, PMS, PMDD, and the effects of hormones on moods transformed her relationships — to a new partner, to family, to non-blood kin, and to her own body — from the beloved essayist and author of Women. We discuss how PMDD is different from regular ol' PMS, Chloe's journey to regain control over her symptoms, what worked and what didn't, and how being a stepparent is kind of like being queer. For more from today's guest: Follow Chloe on Instagram @chloeeeecaldwell Check out Chloe's website chloesimonne.com Buy Chloe's latest book The Red Zone Private Parts Unknown is a proud member of the Pleasure Podcast network. This episode is brought to you by: Like A Kitten is offering our listeners 20% off AND free shipping when you go to LikeAKitten.com/Private OR enter code Private at checkout. Dipsea is an audio erotica app full of short, sexy stories and guided sessions designed to turn you on. Dipsea is offering a 30-day free trial when you go to dipseastories.com/private. BetterHelp is an online portal that provides direct-to-consumer access to mental health services. BetterHelp will assess your needs and match you with your own licensed professional therapist. Join over 1 million people who have taken charge of their mental health. Again, that's BetterHelp.com/private. https://linktr.ee/PrivatePartsUnknownAds If you love this episode, please leave us a 5-star rating and sexy review! —> ratethispodcast.com/private  Psst... sign up for our Private Parts Unknown newsletter for bonus content related to our episodes! privatepartsunknown.substack.com Let's be friends on social media! Follow the show on Instagram @privatepartsunknown and Twitter @privatepartsun. Connect with hosts Courtney Kocak @courtneykocak and Sofiya @thesofiya on Instagram and Twitter.

Considered Shaquille O'Neal's “Head coach for Happiness,” Elizabeth Lombardo is on a mission to free people from the stress of perfectionism caused by their own inner critics. She is considered the country's most widely interviewed celebrity psychologist, with hundreds of radio and TV appearances on shows like Dr. Oz, The TODAY Show, Steve Harvey, CNN, Fox Business News, and others, and she has been quoted in media outlets including The New York Times, The Wall Street Journal, Money Magazine, Forbes, Women's Health, and Cosmopolitan. Her own articles can frequently be found in SUCCESS, Fast Company, Entrepreneur, Better Homes & Gardens, and other publications. Support the show

Game day coordination of an Offense - Andy Sowder, OC, Kent State University Today's episode is a segment from Andy Sowder's presentation at the 2nd Annual Lauren's First & Goal Clinic. Andy Sowder, Kent State University's Offensive Coordinator, arrived at Kent State after serving as the offensive coordinator at San Jose State and as an offensive quality control coach at the University of Texas. He shares his thoughts on the important game day functions of handling the coordination of an offense. Shownotes: -Resources for Situational football -Pre game checklist -Press Box Mechanics -Communications -Charting -Situational chart Check out our partner: sportscope.com for your sideline replay and end zone camera needs. Related: Andy Sowder - Screens, Red Zone and Goal Line Planning https://soundcloud.com/user-804678956/screens-redzone-goal-line-game-planning-andy-sowder-offensive-coordinator-at-kent-state-univ Michael Lombardi - Grid Iron Genius https://soundcloud.com/user-804678956/from-the-archives-michael-lombardi-former-nfl-coachgm-author-of-gridiron-genius Q&A with Michael Lombardi, Former NFL Coach/GM, Author Of Gridiron Genius https://soundcloud.com/user-804678956/qa-with-michael-lombardi-three-time-super-bowl-champion-nfl-coach-and-general-manager Game Planning Master Class on CoachTube: https://coachtube.com/course/football/game-planning-master-class/14007423 More Game Planning Resources: https://coachtube.com/courses/football/game-planning

00:00 - The foundations of a hot tub. 03:03 - Coiledspring Games' Photosynthesis sets a new standard for gateway games and feels like it might genuinely be a good option for getting people into the hobby. Plus we get talking about how challenging that actually is. 21:57 - A sauna. The Red Zone. Fika. 34:11 - Hot Lap League reminds us, very deliberately, of TrackMania Turbo which we covered back on Ep4. This slick racer brings time trial-based high precision competitiveness to Android and iOS, and we're here for it. 45:33 - A very VERY funny joke. Oh and our thoughts on new book-turned-TV-series Reacher. 56:31 - Free Radicals from WizKids Games sure isn't a gateway game, but its bold use of colours is admirable, and even if it does get utterly silly at times that's all part of the fun. All that, and a silent scream, with Dan (@ThisDanFrost), Kris (@DigitalStrider), Peter (@XeroXeroXero), and Sam (@MrSamTurner). Our Spotify Playlist brings together lots of great thematic music inspired by the stuff we talk about. Go check it out, if you like. Links to where you can find us - StayingInPodcast.com Note: sometimes we'll have been sent a review copy of the thing we're talking about on the podcast. It doesn't skew how we think about that thing, and we don't receive compensation for anything we discuss, but we thought you might like to know this is the case.

Welcome back to the Cover 3 podcast! We've got a packed show for ya'll today. It's a college football mailbag! (4:44) We start things off with the future of the NCAA. Who is best to be the next president of the NCAA? (8:30) Florida Spring Game talk! You asked questions about spring game scheduling and whether we are joining the Gators hype train yet. (13:55) Will we ever see a college football redzone channel? How would it work? (22:10) Someone asked us about Deion Sanders and his future. Is it at Florida State? (29:20) Recruiting starting slow. What does that mean? Let's talk Alabama. (32:35) TV Wars! Let's talk about the battle for college football TV rights. (38:30) Someone asked what the best advice we can give for someone who wants to work at 247Sports or CBS Sports one day. (43:00) What would a school have to do to get the SMU death penalty? (44:55) Why does Bud not like Sean Clifford? Get 20% off Cover 3 merch in the CBS Sports Store:  https://store.cbssports.com/collections/cover-3?utm_source=podcast-apple-com&utm_medium=web&utm_campaign=buy-our-merch&utm_content=cover-3-collection Learn more about your ad choices. Visit megaphone.fm/adchoices

We'll talk USFL, what are the 9ers doing with Deebo? The Browns and their Baker problem, NBA playoffs and MORE!!! Also, I bet no one can guess the QB in the Thumbnail...   About TIR Thank you, guys, again for taking the time to check this out. We appreciate each and every one of you. If you have the means, and you feel so inclined, BECOME A PATRON! We're creating patron-only programming, you'll get bonus content from many of the episodes, and you get MERCH!   Become a patron now: https://www.patreon.com/join/BitterLakePresents Please also like, subscribe, and follow us on these platforms as well, especially YouTube!   THANKS Y'ALL   YouTube: www.youtube.com/thisisrevolutionpodcast   Twitch: www.twitch.tv/thisisrevolutionpodcast & www.twitch.tv/leftflankvets Facebook: https://www.facebook.com/Thisisrevolutionpodcast/   Twitter: @TIRShowOakland Instagram: @thisisrevolutionoakland   Pascal Robert in Newsweek: https://www.newsweek.com/black-political-elite-serving...   Get THIS IS REVOLUTION Merch here: www.thisisrevolutionpodcast.com   Get the music featured on the show here: https://bitterlakeoakland.bandcamp.com/   Follow Djene Bajalan @djenebajalan Follow Kuba Wrzesniewski @DrKuba2

On today's episode, Adam C. Armbrecht joins us to talk about the Brooklyn Nets getting eliminated, the Kevin Durant and Kyrie Irving Dynamic, lack of regret for the James Harden trade, and MORE!!!! Also, we are joined by RazorRosenthal (@RosenthalRazor) from ‎Razor's Redzone joins the show to talk about the NFL Draft tomorrow, obscure draft picks, and the gambling values you could possibly find in the draft CKSAML Productions This show is presented by BetOnline Sportsbook. Use Code “BLEAV” for a 50% bonus on your initial deposit

Mock Draft 2.0 (EP 100) Es ist soweit: endlich ist es Draft-Woche in der NFL! Wir gehen die hoffnungsvollste Woche des NFL-Jahres mit unserem finalen Mock Draft an. Die aktuellsten News rund um den Draft dürfen dabei natürlich nicht fehlen. Viel Spass beim Reinhören! Wir möchten uns darüber hinaus bei all unseren Zuhörern und Followeren für die vergangenen zwei geilen Jahre bedanken und hoffen, ihr seid auch für die nächsten 100 Folgen mit am Start.?? Social Media Für tägliche Updates zu der NFL, folge Redzone - Der Football Podcast auch auf Instagram unter https://www.instagram.com/redzone.live/ oder auf Twitter unter https://twitter.com/redzone_live Kapitel (00:00) - Intro & News (24:30) - Mock Draft 2.0

Ever spend months planning the perfect outing with your lifestyle friends only to have to reschedule, replan, or completely rework your plans because of your (or your wife's) menstrual cycle? The reality of "the best laid plans" is that we aren't in control.  Hear about some of the disasters, the ridicule, or the challenges we've encountered along the way as we navigate the lifestyle while being human...and not without our faults. Also, ever wondered what they call "that time of the month" in other countries?  Hear some of our favorite euphemisms for "The Red Zone" on this week's Casual Swinger! BONUS!  It's time for WHISKEY OF THE MONTH!  Hang around til the end and find out which whiskey won us over with its amazing story this week!   Casual Toys The Rose Vibrator on Casual Toys Hedonism Resorts Euphemisms for Period by Language Whiskey of The Month Whiskey of The Month on Total Wine Podcast-A-Palooza        

Friday Night Fever (EP 99) Startet mit uns in euer Wochenende? Nach zweiwöchiger, der Krankheit zum Opfer gefallener Abstinenz, melden wir uns mit einer Friday Night Fever Edition unseres Podcasts zurück. Dabei reden wir über einmalige Sporterlebnis wie auch über die aktuellsten und wichtigsten News rund um die NFL. Enjoy??? Social Media Für tägliche Updates zu der NFL, folge Redzone - Der Football Podcast auch auf Instagram unter https://www.instagram.com/redzone.live/ oder auf Twitter unter https://twitter.com/redzone_live

Nick and Vera travel to the Red Zone with a newly formed squad of “Blackcats” to investigate a disturbance in the area, only to discover more than they ever bargained for.18 years after the original STORY OF SURVIVAL, a new generation is forced to grow up in the post-apocalypse. The Infected have evolved into new deadly varieties, and humanity's efforts to reclaim our lost civilization have put us in conflict with our greatest enemy: Ourselves. Now the countdown begins as the children of the survivors work to make sense of this deadly new world before it consumes them and everything they know and love.For more lore and exclusive behind-the-scenes content, support us on Patreon: https://www.patreon.com/waylandproductions CAST:Jataun Gilbert as Nicholas Hajin Cho as VeraAustin Trace as AlexBrie Tilton as LisaHayes Dunlap as DeanJim Gleason as MichaelElisa Eliot as PegsTammy Klein as KellyOtto Sturcke as VictorJane Lichacz as HopeVanessa Born as NakomaMichael Ursu as VincentSam Skolnik as WillSkip Pipo as AlvinGigi Guizado as The BoarJosh Petersdorf as WalrusDexter McDaniel as DerringerThe Blackcats: Alexandra Rae, Hari Williams, Hero Carlisle, Nasaka Malimba, Jeff Lowe, Victoria ChengMichael Swan as NarratorFull list of cast & crew: https://www.werealive.com/ Join us on May 3, 2022 for Chapter 3, Part 1 of WE'RE ALIVE: DESCENDANTS - “The Other Side of the Wall” See acast.com/privacy for privacy and opt-out information.

We talk NCAA, NBA, and Premier League.   About TIR Thank you, guys, again for taking the time to check this out. We appreciate each and every one of you. If you have the means, and you feel so inclined, BECOME A PATRON! We're creating patron-only programming, you'll get bonus content from many of the episodes, and you get MERCH!   Become a patron now: https://www.patreon.com/join/BitterLakePresents   Please also like, subscribe, and follow us on these platforms as well, especially YouTube!   THANKS Y'ALL   YouTube: www.youtube.com/thisisrevolutionpodcast   Twitch: www.twitch.tv/thisisrevolutionpodcast & www.twitch.tv/leftflankvets   Facebook: https://www.facebook.com/Thisisrevolutionpodcast/   Twitter: @TIRShowOakland Instagram: @thisisrevolutionoakland   Pascal Robert in Newsweek: https://www.newsweek.com/black-political-elite-serving...   Get THIS IS REVOLUTION Merch here: www.thisisrevolutionpodcast.com   Get the music featured on the show here: https://bitterlakeoakland.bandcamp.com/   Follow Djene Bajalan @djenebajalan

The Red Zone: A Love Story by Chloe Caldwell by Poets & Writers

GUESTS: Vincent Giampapa, Brandon Beach, The Red Zone with John Fredericks and Doug Collins + your calls at 1-888-480-JOHN (5646) @jfradioshow #GodzillaOfTruth #TruckingTheTruth #OracleOfDeplorables 

On today's episode, Brian Rosenthal (@razorrosenthal) from Razor's Redzone joins the show to recap all of the Final 4 + National Championship Game in 7 minutes. We also discuss MLB Opening Day, and the Astros, Braves, and Dodgers chances to win their divisions in 2022. We also try and disect exactly why it is that the Los Angeles Angels now have 2 generational talents in Baseball, and they can't even sniff the playoffs across 8 years. Is it a combination of the value of a single star in baseball, bad farm system, subpar pitching staff, bad contracts, the Astros, or a combination of all these reasons??? I also eulogize the Los Angeles Lakers after they got eliminated from the playoffs, talk about how the Lakers approach Anthony Davis, and putting the ball in LeBron's court to leave if they decide not to trade Russell Westbrook this offseason CKSAML Productions This show is presented by BetOnline Sportsbook. Use Code “BLEAV” for a 50% bonus on your initial deposit

NFL Mock Draft 2022: The Mockfather Hereinspaziert, hereinspaziert

On Episode 113 of WIRED Up (on a Saturday) we get set for Kansas-Villanova and UNC-Duke with our friend RazorRosenthal (@RosenthalRazor) over on his Podcast Razor's Redzone. We also got to chat with  Ken Thomson of SportsXRadio 720AM in Las Vegas about the Final Four, Tom Flores, and MORE!!!  CKSAML Productions This show is presented by BetOnline Sportsbook. Use Code “BLEAV” for a 50% bonus on your initial deposit

We talk fighting, NCAA Tourney, Women's Swimming and NFL trade talk.    About TIR Thank you, guys, again for taking the time to check this out. We appreciate each and every one of you. If you have the means, and you feel so inclined, BECOME A PATRON! We're creating patron-only programming, you'll get bonus content from many of the episodes, and you get MERCH!   Become a patron now: https://www.patreon.com/join/BitterLakePresents   Please also like, subscribe, and follow us on these platforms as well, especially YouTube!   THANKS Y'ALL   YouTube: www.youtube.com/thisisrevolutionpodcast   Twitch: www.twitch.tv/thisisrevolutionpodcast & www.twitch.tv/leftflankvets   Facebook: https://www.facebook.com/Thisisrevolutionpodcast/   Twitter: @TIRShowOakland Instagram: @thisisrevolutionoakland   Pascal Robert in Newsweek: https://www.newsweek.com/black-political-elite-serving...   Get THIS IS REVOLUTION Merch here: www.thisisrevolutionpodcast.com   Get the music featured on the show here: https://bitterlakeoakland.bandcamp.com/   Follow Djene Bajalan @djenebajalan Follow Kuba Wrzesniewski @DrKuba2

This podcast is dedicated to both the mothers and guardians of our life thank you all for being the best human beings in the world live stream making friends talk to a --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app

NFL Mock Draft 2022: The Mockfather Es ist Mock Draft Zeit

This Friday, March 25th, marks the 111th anniversary of the Triangle Shirtwaist Factory Fire. Over a hundred garment workers died that day in Greenwich Village. Historians say many more people could have survived the 1911 fire were it not for the sweatshop's poor safety conditions. Long ago the site was purchased by NYU and renamed the Brown Building, which now houses science labs. WNYU's Nandini Gupta has more on the tragic fire and its aftermath. Marissa Monroe calls herself a Texas parent girl turned NYC princezzz. Spelled with 3 zs. Right after graduating NYU Tisch School of the Arts last year, she opened up her own private tattoo studio in Manhattan. She talked to me about how she creates a safe tattooing space for women and non-binary folks, where she draws her feminine art inspiration from, and finally, what it's like to be a female in a male-dominated industry. Are students on campus experiencing more sexual harassment ? Nia Watson reports on the Red Zone and the rise in street harassment since the return to campus this year The state of Oregon is setting out to decriminalize sex work. Elizabeth Carlisle talks to Anna Wilkings, an NYU professor and licensed sex therapist and social worker, about what the realities of sex work and what decriminalizing it would entail. Here's the story. The US-backed war in Yemen has resulted in a humanitarian crisis. Indications that the Biden Administration has not yet taken action to end support for the war, activists have been protesting to educate the public about the conflict and ways to resist it. Nina Huang Nina Huang went to a protest in Union Square to talk to protestors on the matter. 
Aired for The Rundown April 14, 2021. All this and more hosted by Grace Wanebo.

Josh Bertaccini from The Red Zone joins the show to talk about the Hogs big win over Gonzaga

Guy Schnitzler -  Owner of DFW Defensive Training and the only certified Immediate Action Combatives instructor under Cecil Burch.  Guy is a black belt in Brazilian Jiu-Jitsu, Rangemaster Master Pistol instructor certified, and has 1000s of hrs of training under the industries pre-eminent instructors in firearms, combatives and multi-disciplinary weapons based training.  He is a multi-time alum of Craig Douglas' Shivworks ECQC, EWO and AMIS, Cecil Burch's Immediate Action Combatives flagship courses, Paul Sharp's Sharp Defense courses, William Aprill of Aprill Risk Consulting classes, Larry Lindenman of Point Driven Training, and Jerry Wetzl of Redzone knife Defense courses just to name a few he has attended.   In this episode we have an AAR discussion about Guys Immediate Action Combatives - Dominating the vertical fight class Eric attended in Jacksonville NC  5 Feb 2022.  Aaron and Eric also recently hosted Cecil and Guy in Tulsa OK for the Immediate Action JiuJitsu and Pugilism classes of which were pivotal.  More bio below, and for more on Guy go to his website:   http://www.dfwdefensivetraining.com/  And for social media @dfwdefenseive Currently a Federal Law Enforcement Officer in the Department of Homeland Security. 24 year laws enforcement veteran. Worked for almost a decade as a patrol officer for the largest municipal police department in NC. Former field training officer training over 30 new officers Former adjunct instructor in defensive tactics for his agency's academy delivering instruction to over 500 recruits While attending NC State university(1992) Guy was a member of the North Caroline National Guard with the MOS of Infantry for 6 years.  With 30 yrs experience in both military and law enforcement Guy understands the need for current, ongoing, realistic training. In the desire to better train himself for his career Guy seeks out training from the top instructors in the multi-disciplinary weapons based environment training community. Guy's training includes BJJ, boxing, firearms, tactics, tactical medicine, and criminal behavior.   Check out our awesome sponsors below and provide them your patronage as it helps us: Please subscribe and share our podcast with friends and family.  Visit our website for bios, future events and info at www.evosec.org  Like, follow and share us on Facebook and Instagram @evosecusa WE ARE PUMPED TO HAVE A NEW AFFILIATE LINK FOR ORIGIN AND JOCKO FUEL!!!  Help support this show by purchasing any of your JiuJitsu gear, Jocko Supplements, books clothing and more... link below. Origin/Jocko Fuel – Bringing back American manufacturing, producing the best Jiu-Jitsu Gis on the market, Jeans, rash guards, and world class supplements to help you on the path.  Use EvoSec10 at checkout for 10% off, this helps us greatly.  EVOSEC Originusa.com AFFILIATE LINK Tenicor – www.tenicor.com they are educators, and innovators in the holster market.  They are firearms instructors themselves, pressure testing their gear in multiple force on force events every year.  We support those who do the work.  Use our NEW code EVO2021 at checkout for 10% off.  Again patronizing our sponsors helps us greatly.  Keepers Concealment Original authority on Appendix Holsters, Appendix Training  Offer high-Performance Handgun Training - specializing in Concealed Carry Performance.  Keepers Concealment also - proud affiliate CCWSAFE, the truly proven legal service membership company - offering dedicated legal defense heaven forbid you're forced to use lethal force.   Use code: KC10OFF and check them out at CCWSAFE.com/Keepers To buy a holster, sign up for a class, inquire about hosting a course or join CCWsafe, you'll find it all at Keepersconcealment.com Evolution Security is Eric Davis, Aaron Davis and Brian Schilt; specializing in self-protection education, defensive pistol and carbine, consulting, and weapons based grappling.  Their mission is to help those serious about protecting themselves and their loved ones, become more capable though filtered information, recommended study, and highlighting their mentors who are the best in the field.   In addition, Eric and Aaron (twins) are musicians keeping with Musashi's adage that martial artist should focus on art outside of the martial (bumper music recorded by the brothers). 

On today's episode, we are joined again by RazorRosenthal (@RosenthalRazor) from Razor's Redzone to discuss the best 4 days of the College Basketball Season. We talk about the SEC and BIG10 laying a dud in the tournament, St. Peters, Gonzaga surviving a scare in March Madness, plus Houston, Michigan, and Villanova. We also talk about our favorite games from the 1st Weekend of March Madness. I also talk about the crazy story that Tom Brady wanted to go to the Miami Dolphins as team president before the Brian Flores lawsuit. Also, the Vikings used Kirk Cousins' restructured contract to sign Zadarius Smith, and probably compete for the 6th seed in the NFC CKSAML Productions This show is presented by BetOnline Sportsbook. Use Code “BLEAV” for a 50% bonus on your initial deposit This show is presented by Athletic Greens. Use this link to get a Free 1-year supply of Vitamin D and 5 free travel packs with your 1st Purchase!!!!!!

NFL Free Agency Review Teil 2: The Bad Man Wild, wild, wild

Red Zone by Steve Sonius

About TIR Thank you, guys, again for taking the time to check this out. We appreciate each and every one of you. If you have the means, and you feel so inclined, BECOME A PATRON! We're creating patron-only programming, you'll get bonus content from many of the episodes, and you get MERCH!   Become a patron now: https://www.patreon.com/join/BitterLakePresents   Please also like, subscribe, and follow us on these platforms as well, especially YouTube!   THANKS Y'ALL   YouTube: www.youtube.com/thisisrevolutionpodcast   Twitch: www.twitch.tv/thisisrevolutionpodcast & www.twitch.tv/leftflankvets   Facebook: https://www.facebook.com/Thisisrevolutionpodcast/   Twitter: @TIRShowOakland Instagram: @thisisrevolutionoakland   Pascal Robert in Newsweek: https://www.newsweek.com/black-political-elite-serving-corporate-interests-misrepresenting-our-community-opinion-1652384   Get THIS IS REVOLUTION Merch here: www.thisisrevolutionpodcast.com   Get the music featured on the show here: https://bitterlakeoakland.bandcamp.com/   Follow Djene Bajalan @djenebajalan Follow Kuba Wrzesniewski @DrKuba2

NFL Free Agency Review Teil 1: Für eine Handvoll Dollar Was für ein Start in die NFL Free Agency

While the guys are on spring break, they come together to do this years bracket challenge! Every person will draft four teams they think will make it the farthest in the tournament. It's a snake draft, meaning whoever is first goes last in the next round and whoever is last in the first round goes first in the second. The guys also give their takes on who are the sleeper teams in this years tournament!

On today's episode, RazorRosenthal of BeerLife Sports and Razor's Redzone joins us to break down all 32 of the Round 1 College Basketball Matchups this week!! We also talk about how the bracket broke down last week, our beloved anarchist Rutgers making it in to the First Four, Texas Southern, unexpected 7 v 10 matchups, and MORE!!!! Also, NFL Free Agency started on Monday, and it wasn't really that interesting. Although, we did find out the Jaguars were the 2022 version of the below-average team who spends all their money on the 1st day (like the 2021 Patriots, 2020 Dolphins, 2019 Jets, 2018 Lions) CKSAML Productions This show is presented by BetOnline Sportsbook. Use Code “BLEAV” for a 50% bonus on your initial deposit

Celebrating in true style, our Birthday Vet and Fearless Commissioner decided to spend his only day that is completely about him - With his Squad here on the Air Raid Podcast!With Play offs on the Horizon and The birth of a New Mega Season, there is much to cover and so little time. And remember, only the best make it on the show.  See you in the Red Zone. 

NFL Free Agency Wahnsinn: NFC Preview Die NFL Offseason 2022 hat offiziell ihre Stützräder abgelegt

Paul is joined by Josh Bertaccini of The Red Zone with JB and Kyle Tucker from The Athletic to talk about Arkansas basketball and Kentucky hoops respectively.

Free Agency Preview: AFC Nach zwei Wochen Pause, sind wir wieder zurück und haben zum Start der Offseason erstmal 2,5 Stunden Free Agency Preview der AFC im Gepäck für euch. ENJOY

Catchups Happy New Year! Log4j Issues, fall out, ranty commentary And now PostgreSQL JDBC gets a 9.8 CVE: Java Stuff Java 18 set for March 22, 2022 The new features in Java 18 Mark Reinhold: There are no unresolved P1 bugs in build 36, so that is the first JDK 18 Release Candidate. Binaries available here, as usual: https://jdk.java.net/18/ Java 19 builds are already available MicroProfile 5 out Helidon 2.4.2 released Quarkus 2.7.1 released Continuations [GR-34749] Continuation support independent of Project Loom. #4114 - merged. https://cr.openjdk.java.net/~rpressler/loom/Loom-Proposal.html Project Loom: Fibers and Continuations for Java by Alan Bateman - YouTube - Early Continuation API sample JEP draft: Sequenced Collections JEP 423: Region Pinning for G1 I believe I read somewhere JEP 389 (Foreign Linker) are coming out of the incubator soon - Using libsodium with JEP 389 is an interesting example. Java's Options for Options - it hurts just reading this, let alone the reddit comments AZUL Cloud Compiler Jetbrains Fleet - Next Gen IDE/Editor Other Stuff Apple Removes Python 2.7 in upcoming release of macOS Apache Groovy 4 Released No Such Thing As Clean Code

The closer you get to your goal, the harder it is to get to the goal!  If this message blessed you in anyway, pass it on! If you know of someone that might be blessed from this message, pass it on.Scripture: Matthew 20:17-19 NIVText GIVE to 314-916-4242 to sow into our ministryText FAMILY to 314-916-4242 to join our church familyStay ConnectedWebsite: www.ctfcstl.orgInstagram: www.instagram.com/ctfcstlFaceBook: www.facebook.com/christtemplefamilychurch

In football, teams are extra careful not to make a mistake when they get within about 20 yards of scoring points (known as the Red Zone). They've typically worked hard to get to that point and don't want to cost themselves by throwing an interception or fumbling the ball and giving it to the other team. On this episode, we'll explore the financial equivalent of the Red Zone and discuss how you can really mess things up if you're not careful during this phase of your life. If you're approaching retirement, this is a fundamental conversation you won't want to miss. Helpful Information: PFG Website: https://www.pfgprivatewealth.com/ Contact: 813-286-7776 Email: info@pfgprivatewealth.com Disclaimer: PFG Private Wealth Management, LLC is a registered investment adviser. All statements and opinions expressed are based upon information considered reliable although it should not be relied upon as such. Any statements or opinions are subject to change without notice. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investment involve risk and, unless otherwise stated, are not guaranteed. Information expressed does not take into account your specific situation or objectives and is not intended as recommendations appropriate for any individual. Listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance. Transcript of Today's Show: For a full transcript of today's show, visit the blog related to this episode at https://www.pfgprivatewealth.com/podcast/ ----more---- Marc Killian: Hey everybody. Welcome back into the podcast. It's time to talk football a little bit here on retirement planning, redefined with John and Nick. We always talk finance, investing finance and retirement, and we're still going to, but we're going to talk about not fumbling your retirement in the financial red zone. We are in the playoffs at the time we are dropping this. Now we are recording just before they're starting. They're starting this weekend. And so this will come out while the playoffs are rocking and rolling, but that's all right. We're still going to talk about this analogy, because it works really well for this time of year. And we'll get into that in just a second. But first let me say, Hey to the guys.   Marc Killian: Nick, what's going on, buddy? How you're doing?   Nick McDevitt: Good.   Nick McDevitt: This was a good reminder to ask John on when I'm going to get paid for my second place finish in the Fantasy Football League.   Marc Killian: Nice.   John Teixeira: I don't know what Nick's referencing here. We do not gamble here, so I'm going to give Nick a nice handshake and pat in the back for drafting the second best team in the league.   Marc Killian: There you go. Okay. Well what's going on with you, John. You're doing all right?   John Teixeira: Doing good. Trying to get some recapping from our last session of their great resignation, and actually trying to get some contractors to send me an estimate based after they came to my house has been a challenge.   Marc Killian: Right? I know.   Marc Killian: I was talking with some contractors not too long ago and they're like, right now, all I got to do is show up and I get like 50% of the jobs, you know?   John Teixeira: Yeah.   Marc Killian: And, they're not wrong, you know? So there's a lot going on. Well, I know you guys are both football fans and guys both come in from the same division, actually. We got a Patriots fan and a Bills fan. So living in Florida, which is interesting, and especially considering that you got radio right around the corner now, but either way, we're going to talk about this financial red zone and football and a little analogy to go back and forth. And as I said, the games are starting for the playoffs and you guys are going to be actually competing against each other. Your teams will be anyway. So we'll have some fun with this. So do me a favor real fast. John, I'll let you start. Tell me what's the financial red zone? Go ahead and talk about the football red zone if you want as well. I think most people know it, but just real quick and then tell us what the financial equivalent is.   John Teixeira: Yeah. Football red zones, when you get 20 yards of scoring. So, right before the end zone, really important place to be efficient, making sure that everything's tightened up. The defenses plays a little bit harder here because the shorter field. So just really important to make sure the offense is doing their best and making sure everything's done right, which leads into what we call the financial red zone, where we would consider that last 10 years before retiring and can range for five to 10 years after retiring, but the analogy goes well where. This is probably the most important part of your retirement is making sure that, Hey, you got 10 years left or you're five, 10 years into it. You cannot make a mistake.   Marc Killian: Yeah.   John Teixeira: And it's important to make sure everything's lined up and you're being as efficient and careful as possible to make sure you hit all your goals and maintain the lifestyle that you want going into retirement.   Marc Killian: Yeah, for sure. So it has been pretty easy. Right? So just think of it like that, same scoring red zone. Now maybe you're not trying to score necessarily in the financial red zone as you're talking about retirement, but there are some things to pay attention to because turnovers, as you mentioned with the football analogy are more critical. So Nick give us some reasons why people need to pay attention to that?   Nick McDevitt: Yeah. There're a few things here and obviously it'll all depends on the plan, but in many ways, from an accumulation standpoint, time is no longer on your side. The goal is obviously to save as much money as you can. And once you get into that 10 year window, hopefully you're in your higher earning years and you're able to save more money. Maybe there're less kids on the payroll, et cetera. And it's also important from the standpoint of the money that you've saved up to that point, making sure that it's invested properly, it's a lot easier to have a half a million dollars double in the last two years than it is to have a hundred thousand dollars catch up to $500,000 or things like that.   Nick McDevitt: So, that's some money that you've been able to build up once you've entered into that red zone and then how that money's going to accumulate, leading up through retirement is an important time. So, really making sure that your decisions are coordinated together and you're not really just, Hey, I just saved this amount of money and I put it into this, and I don't pay attention to it. Usually isn't the best sure strategy.   Marc Killian: Yeah.   Nick McDevitt: It's just much more difficult to recover from mistakes that are in this period.   Marc Killian: Yeah. So, If you're in a good place, right, this is when a lot of times teams will start looking at taking the knee, right? If you're in a good spot from a financial standpoint, you want to start taking that victory formation because you're trying to protect the ball. And John, I'll go to this next one, but I'll make you happy by bringing something up here when you're talking about, some of the mistakes that you see people make getting a little too risky. Think back to that Seahawks Patriots game, Super Bowl, a few years back, I think it was 2015. Right? And the whole world knew the Seahawks were going to punch that in with Marshawn Lynch, running on the one yard line, but they took a risk. They threw it and they got intercepted and it cost them the Super Bowl.   John Teixeira: Yeah. That was a big risk.   Marc Killian: Right. It sticks in my mind seven years later, right?   John Teixeira: Yeah. It's funny. I watched some of the man of the arena with Brady, it's been background noise at this point just when I'm doing stuff around the house and they replayed that. And it was interesting to hear the people talk about it, but yeah, that was a big risk. And that's a big mistake that we see for clients when they're nearing retirement is they are taking too much risk and that can happen quite a bit in your 401k, because you've just picked a fund when you first started at that company.   Marc Killian: Right.   John Teixeira: And typically everyone unfortunately chases returns in their 401k. They just look at a fund and say, this did, will they pick it? But as you're getting that red zone, it's important you evaluate what you're in because if you're taking too much risk and we have a 2009 type recession, it takes a little bit to fully recover from there never mind that you got the mindset of, Hey, I just lost 30% of my portfolio.   John Teixeira: I don't want to lose any more. Should I get more conservative? Which will seep into people as you get closer to retirement. So if you make that shift and get conservative, market bounces back within a two year period, you miss a majority of that recovery. So important to make sure that how much risk you're taking your portfolio is the right amount of risk for you and your plan. We go back to, again, the planning, having the right distribution strategy, as you're in the red zone, very vital to your retirement success and scoring.   Marc Killian: Yeah. Well, Nick, before I go to the next point here, I'm going to give you a chance on this as well, because if you think about, what he was just talking about, making sure that your portfolio's not taking too much risk. This market is on a 12 year run. It makes it really enticing and really hard for us to not go. I can eek out a little more. Right? I can squeak out just a little bit more, but that's when you start putting more at risk on the table.   John Teixeira: Yeah. And you know, because ultimately what ends up happening is what we're trying to do is, is manage decision making and what ends up happening. And the reason that we try to de-risk a little bit in the situation is so that there's not an overreaction. So, the easiest way to prevent an overreaction for an individual is to have a plan. So you can remind yourself of, Hey, this is why I'm doing what I'm doing. And you have something to go back to show you, Hey look at, this plan tells me that if I do X, Y, and Z, that I've got a pretty solid chance to have a comfortable and successful retirement. And, if you've got ice water in your veins and you can handle, a 40% dip in a year and something in a year that where things happen chaotic and it doesn't even blip your iWatch then that's one thing, but most people can't.   John Teixeira: And when that feeling of anxiety starts to creep in, as you start to log in your account more because we're going through a pullback happens and it pushes you to make a poor decision. That's when the snowball starts rolling down the hill and that's where we can really get into trouble.   Marc Killian: So, well, even if you've got ice water in your veins, there's a good chance, your significant other doesn't, right?   John Teixeira: Yeah.   Marc Killian: Oftentimes there's that split in the investing philosophy many times where one is a go getter and one is a bit more conservative. So you want to make sure you're just not taking too many chances in the red zone. If you got a good plan, you got a good strategy. Your team is so "winning the game," then again, consider taking that knee, take that victory formation, at least start hedging your bet, that way you're not going to have too much at risk because you got to still outpace inflation. That's a given, but you also don't have to necessarily continue to throw the ball, 40 yards down the field.   Marc Killian: So for those that are paying attention, John, that are being proactive, why is retirement planning easier for those folks once they do get to the financial red zone?   John Teixeira: Yeah, I'd say the biggest thing we see when someone goes through a planning process and they get to see it, it provides them a blueprint and a roadmap of what they can expect. And that roadmap of blueprint really gives people a little bit peace of mind so they can see the cash flow, they can see the money and it really comes down to, they can see their goals and what they want to do. So it makes it come to life. So that makes a little bit easier versus the unknown of, Hey, you try building the house without a blueprint, it makes a little bit harder. Right? So, the financial plan is that blueprint and just gives people peace of mind, which ultimately they make better decisions.   Marc Killian: Yeah.   John Teixeira: So you can look at things, income stream, social security, when is the best time to take it or my pension options. When you have the plan, you can test those. So you feel confident in, Hey, I already looked at this and I know what to expect. What's the best option for me in my family and what we're doing. So, the plan is key in making sure you make sound decisions and it provides people, again, sound like a broken record or a peace of mind that what they're doing is right.   Marc Killian: Yeah. Definitely. Any couple of little bullet points Nick to toss in there.   Nick McDevitt: Yeah. I would just say that, the people that are doing well are the people that are able to zero in, in this financial red zone. Part of the reason is because everything starts to feel a little bit more real. Sometimes people have a really hard time thinking about 30 years down the line.   Marc Killian: Right.   Nick McDevitt: And the numbers seem out of whack and the variables seem super unpredictable, and things like that. So oftentimes once we're in that zone, we have a good idea of what the numbers are going to look like from an income stream standpoint, whether it's the social security or you have a pension or Hey, there's lead at the end of the tunnel of having the mortgage paid down, or the kids are going to be off the payroll in two years and that's going to free up X amount of income per month to be able to save. So, you feel there's hope and momentum on the side and the people that do well with planning, they really lean into that and are really able to take that momentum and move themselves forward strongly.   Marc Killian: Yeah. So let's not fumble the football in retirement, the financial football, if you will, if you got some questions, need some help, you should know what to do by now. Hopefully you're already working with John and Nick. There's a good chance of just catching this because you already are. And you're checking out the podcast and you get the information. But if not, definitely stop by and reach out to them at pfgprivatewealth.com. That's the team's website, a lot of good tools, tips and resources at pfgprivatewealth.com. And you could drop us a line as well. We take email questions. Of course, they all get answered, but we also take some from time to time here and use them on the show. And that's what we're going to do to wrap things up.   Marc Killian: So, whoever wants to tackle this, no pun intended, go for it. My brother tells me that I have way too much money in the bank and he's probably right. I got about $150,000 sitting in there now, but I just like knowing if there in case I have an emergency, this is Frank by the way. And so Frank says, is it really that bad to have that much in my savings account, take it away.   Nick McDevitt: So, this is an interesting question because oftentimes for most people, the answer might be yes. However, the thing to remember and what we try to harp on with people is that, it doesn't necessarily matter what your brother, your sister, your mailman, your coworker, your dog walker, everybody's willing to give their opinion or their advice on financial topics. And it's important to take your situation, put in a perspective. If you're somebody that makes $300,000 a year, then maybe that 150 is a good amount. If you're somebody that makes $40,000 a year and you've got 150 in cash, then there's a good chance that you're not saving into things that have more upside and more growth for you. You probably have been a little bit wary of the market or didn't know how or where to invest.   Nick McDevitt: And there're things that you can do. Maybe you've never saved to a Roth before and we could start putting money into a Roth. Maybe you haven't adjusted your 401k contribution in eight years. And that's part of the reason that this money is saved up. So, there're ways that we can take a portion of it and save it into vehicles and then maybe adjust. One of the things that we've seen is adjusting from here, moving forward. So in other words, it might make you very uncomfortable to take a hundred grand out of that 150 and put it to work, but maybe we can take 25 and put it to work, but also we're going to aggressively save moving forward with the income that you have and and figure out where that pain point might be to put money away.   Marc Killian: Yeah.   Nick McDevitt: So it really is a function of what your expenses are. Things like, do you have dual income in the house? Is the house paid off? Dual income, you could probably have a little bit less in there. If the house is paid off, definitely put more money to work. So, it could be, but just like everything else that we talk about, it depends. And the easiest way to really truly answer that is to look at it through the lens of the plan and go from there.   Marc Killian: Well, I guess I would say John, probably what's your definition of liquid, right? In getting to it, obviously a lot of people see, they want to see a certain number. I'd ask myself if I was Frank, what kind of emergency constitute 150 grand and/or what do you consider liquid, right? If it's something you need to get to within three to five days, often there're many types of accounts you can do that. It doesn't have to just be money in the bank.   John Teixeira: Yes. So, liquid would. A lot of different people view it differently. So one would be, Hey, I can get access to this without any penalty. And that would be number one of being liquid. Another version would be, Hey, I can get this without any penalty or taxes, you know? So that could be another version of someone considering it liquid, but yeah, there're different buckets to choose from when you need access money. And it's important you work with an advisor to figure out what are the penalties and very important what are the tax consequences for accessing this cash?   Marc Killian: Yeah. Okay. Well, Frank, thanks so much for listening. Hopefully that helps you. I know you how you don't want to admit your brother's right. So technically you don't have to. So if you're like me, I never want to tell my brother he is right. You can just certainly say it depends. Right? So everybody's situation is different. That's going to do it this go round for the podcast. Don't forget to subscribe to us again at pfgprivatewealth. That's where you can find all the things from the team at pfgprivatewealth, which is John and Nick's company there. So find it online at pfgprivatewealth.com.   Marc Killian: We're going to wrap it up, but guys, I'm going to give you a chance to say what you think is going to happen for the Super Bowl since we're dropping this beforehand, who's winning the Super Bowl this year? John go.   John Teixeira: Good question. I'm going to have to say, I think the 49ers might win.   Marc Killian: Okay. All right. He's calling the 49ers. Nick, who you're going with, buddy?   Nick McDevitt: I'll go with the Packers.   Marc Killian: Wow. Neither one of you guys took the team.   John Teixeira: I was going to go with the Packers, but Adam Rogers always chokes him.   Marc Killian: He does play.   John Teixeira: He is like notorious for NFC championship game. Let me play awful. Last year I think Brady threw three picks in the second half or third quarter or something.   Marc Killian: Yeah.   John Teixeira: And he couldn't capitalize on it or fourth quarter, whatever it was. I don't know.   Marc Killian: There you go. Well, folks, let us know what you think. And we'll be back with more on the podcast in February. So probably after the Super Bowl. So, we'll see if the guys are right and we'll talk to you next time here on retirement planning, redefined with John and Nick.

If you're 5-10 years from retirement, you're in what we like to call the "retirement red zone." We're pulling out the playbook on today's show to help you score in retirement!

In football, teams are extra careful not to make a mistake when they get within about 20 yards of scoring points (known as the Red Zone). They've typically worked hard to get to that point and don't want to cost themselves by throwing an interception or fumbling the ball and giving it to the other team. On this episode, we'll explore the financial equivalent of the Red Zone and discuss how you can really mess things up if you're not careful during this phase of your life. If you're approaching retirement, this is a fundamental conversation you won't want to miss. Important Links: Website: https://www.cpweldegroup.com/ Call: 610-388-7705

In football, teams are extra careful not to make a mistake when they get within about 20 yards of scoring points (known as the Red Zone). They've typically worked hard to get to that point and don't want to cost themselves by throwing an interception or fumbling the ball and giving it to the other team. On this episode, we'll explore the financial equivalent of the Red Zone and discuss how you can really mess things up if you're not careful during this phase of your life. If you're approaching retirement, this is a fundamental conversation you won't want to miss. Contact: Website: https://centrusfs.com/podcast/   Call: 800-779-4592

Winning a football game is a lot like planning for retirement. As you enter the red zone, you don't want to fumble the ball. When you're getting close to retirement, you certainly don't want to fumble your retirement. On today's episode, we'll discuss how to keep your retirement protected as you enter the retirement red zone.   TIMESTAMPS:  1:39 – What is the financial red zone? 2:36 – Being cautious in the red zone 5:40 – Real consequences of inflation 8:32 – Top mistakes people make 10:10 – Coaching you through retirement 12:28 – Making retirement planning easier 14:37 – Having a clear picture 16:33 – Running the clock down for victory   ADDITIONAL INFORMATION: https://philstaxhacks.com/

In football, teams are extra careful not to make a mistake when they get within about 20 yards of scoring points (known as the Red Zone). They've typically worked hard to get to that point and don't want to cost themselves by throwing an interception or fumbling the ball and giving it to the other team. On this episode, we'll explore the financial equivalent of the Red Zone and discuss how you can really mess things up if you're not careful during this phase of your life. If you're approaching retirement, this is a fundamental conversation you won't want to miss. Important Links Forbes Article: https://bit.ly/3G2lCo9 Website: http://www.yourplanningpros.com Call: 844-707-7381 ----more---- Transcript Of Today's Show: Marc Killian: Hey, everybody. Welcome back in to Plan With The Tax Man. Thanks for hanging out with Tony Mauro and myself here on the podcast as we talk investing, finance, and retirement and not fumbling the retirement in the financial red zone. It is the playoffs, we are into late January here, closing in on super bowl time if you were a fan of football. And even if you're not, you may have heard the term, the financial red zone before. But we're going to do a little analogy here and a little conversation about not fumbling our retirement, because it's that time, right? When we're getting close to it, where everything is heightened. If you're a football fan, you certainly know what that means. And we're going to explain some more of that in just a second, but Tony, what's going on my friend? How you doing?   Tony Mauro: I'm doing good. Getting ready for the super bowl myself a little bit, and I don't do much for it, but I always sit around and watch it and use it as an excuse-   Marc Killian: To eat.   Tony Mauro: Have chips, to eat, yeah. And do a little bit of something.   Marc Killian: That's right, it's a great excuse to sit there and have some nachos or whatever the case might be. Hey, what is the financial red zone? Because the football red zone is the 20 yard line to the goal post, right? So what's the financial red zone? What's the equivalent there?   Tony Mauro: Well, the equivalent is probably the last 10 to 12 years before you retire and then the first five to 10 after you retire. So it really is, acquainting it to football, is you're really focused like on the football game, they're in focus once they're inside the 20 of course, getting in to the end zone. And same way with the retirement planning is, 10 years out you really start to need to look at some things, start really doing some planning because it's coming and it's going to come fast. And so you want to get your plan set up and then as you ease into it, once you cross the goal line, you want to make sure that as you get started, get used to this new way of life and how things are going to go in the first few years of retirement. So that's generally what we talk about when we talk about that.   Marc Killian: Okay. So we'll say the 10 years before, the 10 years after, right? Kind of that crucial period. And if you think about from the football analogy, when you get inside the 20 yard line with a team, it's typically harder to score, right? The field is condensed, the defense is tightened up. It gets harder to kind of, again, kind of punch the ball in. And so if you think about this from a retirement standpoint Tony, people need to pay attention once they get to this point in life because it gets harder and everything is magnified, right? At this point, making a mistake is not something you want to do. If you were let's say 50 in 2008 and nine, right? And you lost 50% with the great turn down there that we had with the housing bubble. '08, '09 and you were 50, it sucked, right? I mean obviously if you lost 50%, it stung pretty good. But now we're 12 years past that and 12 years into this kind of bull run, if you lost 50% in another downturn, well now you're 60.   Tony Mauro: Exactly.   Marc Killian: Now it really stings.   Tony Mauro: Now you really don't have time on your side.   Marc Killian: You do not have the time. Right.   Tony Mauro: And it's going to be, it will affect your retirement greatly if you, at this point... And the markets continue to do very well, but everybody knows that at some point we're going to have some kind of downturn, we don't know how severe it'll be. But you certainly don't want to end up at, yeah, between 60, 65, I say even 55.   Marc Killian: Oh, absolutely, yeah.   Tony Mauro: Really taking that kind of hit. Not that you should not be in equities or anything like that at all, it really should be starting to plan though for the end and pay attention, be more conservative with that end goal in mind. Because yeah, you won't be able to make it up.   Marc Killian: The time is just not there. Yeah.   Tony Mauro: And I think a lot of people, they don't understand, if you have a $100,000 and you lose 50%, if you make 50% the next year, you do not get back to $100,000.   Marc Killian: Right. You're not at a hundred grand again.   Tony Mauro: You're not at a hundred. So you got to even have more then. And how many times has the market returned 50% in one to two years, or three years? It doesn't happen that fast.   Marc Killian: No.   Tony Mauro: So that's why we say you really got to pay attention and you've got to make sure you're working with your advisor on your portfolio or whatever your plan is to make sure that, that doesn't happen to you.   Marc Killian: Yeah. So you're kind of thinking about it, we'll stay with this football analogy. So if you're in pretty good shape and you're closing in on retirement, you're into this financial red zone, the market, again, Tony over the last little bit, it's enticing, right? I mean, it's been turn, it has been turning. '21 had some amazing returns, right? And so, their predictions are, they're not too bad for '22, they seem to think it's still going to be fairly up. Who knows? It's all predictions, it's just speculation.   Marc Killian: But the point is, it becomes enticing and if you're in good shape, maybe it's time to look at taking the victory formation, right? In football, when they've got kind of the game one and the team's back on offense, they start taking a need to run out the clock. Right? Because they're not risking a pass or a fumble and turning the ball back over to the other team. Same kind of thing, if you're in pretty good retirement shape, to your point, you want to still have something in equities. You still want to outpace inflation, but maybe it's time to pull some of that off the table and re-look at the allocation and how much you have at risk.   Tony Mauro: Yeah. And I think that's one of the biggest mistakes most people make is, they take too much risk number one, and like you say, it's especially enticing in this kind of market. I hear a lot, I just heard it, I was in a class last night and these people were a little bit younger, but it was funny to hear them talk. They're talking about day trading and cryptocurrencies and all this stuff and one guy said, and he might be right, that he bought a Tesla and he bought Tesla stock and he said that he made enough money to pay for his car. And I'm thinking, wow, well that's probably great if you really did that, but nobody ever talks about all the money that they lose day trading and this cryptocurrency.   Tony Mauro: And I'm sure if we opened up the mic or the phone lines, we would get a lot of people that say that they've made a lot of money in cryptocurrency, but it's not a place where you want to be in my opinion, closing in on retirement, because that is chalk full of risk. Very difficult to understand. And that's just one area, but going back to my point of taking too much risk, it's all over the place of people making money doing this or that. And it's enticing that, Hey, well maybe I should just try that.   Marc Killian: Right. Because we all suffer from FOMO, fear of missing out. Right? We don't-   Tony Mauro: Missing out, yeah.   Marc Killian: I want get in on some of that or so on and so forth. And that's okay Tony, we've talked about that before on the podcast. Hey, look, if you're in a pretty good spot for retirement and you've got a good sound plan, you're working with Tony or you got a good strategy or whatever the case is, and you want to have some of that play money. I mean, almost think of it like Vegas. Right? If you want to have some of that speculative money that you want to dip into crypto, or you want to dip into some emerging kind of technology thing or something cool, just don't risk the retirement. Plus, the spouse might not be happy about that.   Tony Mauro: Exactly.   Marc Killian: If you mortgage the farm so to speak, right?   Tony Mauro: Right, right. And yeah, there's nothing wrong with that. And most advisors though are not probably going to recommend that, but, and most, and if you're like me, I would say, you know what? That's fine, you go out and you do that, but you're kind of on your own there. And in fact, I know enough about the crypto for tax purposes, but boy, I have not, as an advisor, really done a lot of education, educating myself on, for me it's, I don't know, maybe call me old school now. I just, I'm not into it. But I'm not saying-   Marc Killian: It's still the wild west right now, that's for sure.   Tony Mauro: Yeah. It couldn't be good, but... I just think you got to be, like I say, you got to be careful and really make sure you're understanding that. But the other thing too is, in this red zone or when we think we're in it, another mistake I see is people don't have a plan. They have a masked money and they know they want to retire at some point, but then they, that's it, they say, well, I think I'm good.   Marc Killian: We have a collection of stuff.   Tony Mauro: Yeah. I think you got to, in this red zone, you got to start planning and understand what life's going to look like when you finally say enough is enough.   Marc Killian: Well, I think a big question that people, and tell me if I'm wrong here, Tony, because obviously you're the professional, you're the advisor. But the big question I think people have often is, well, I do have all this stuff, but I don't know how to do, like how do I activate it? Kind of like, how do I turn this, I have money in these accounts, but how do I turn them into the income streams that I do need? And again, our demographic is primarily 50 plus. So that's when we're starting to think about these things and that's so obviously the red zone.   Tony Mauro: Yeah. And a lot of people, they don't even know how to call whomever has the money and say, "I need some money."   Marc Killian: Right, right. Yeah.   Tony Mauro: And a lot of them come and say, "Well, obviously I got to have money every month to pay my bills, how do I set that up?" And so that I've got basically an income coming in, just like I did when I was working that I pay my bills and then I've got a little extra to do what I want to do with. So there is just some logistical things there. And of course with today's technology, the good news is you work with your advisor, everything can be set up and you have it teed into your account, which makes it very nice. But it is a process and if you haven't been paying attention other than, well, I know I have this money, but I have no idea how to access it, that's, something you need to talk about.   Marc Killian: Well, so for those that are paying attention and being proactive, why is retirement planning a little bit easier once you do get to the red zone? Give me a couple of bullet points here.   Tony Mauro: Well, the first thing is, you probably, like me, you have a retirement agent in mind, at least in mind, that that's when you're going to call it.   Marc Killian: You kind of penciled it in, right?   Tony Mauro: Yeah. And if things go the way you want between now and then and you've done some projections, that's what you're going to call good. You've also done an enough planning where you know, or at least have projected your income streams from whatever source, could be social security, your 401ks, pensions, and and savings that your income streams are going to be X and so you feel pretty good about that. You've got enough money to live on and do what you want to do. More than likely, you're probably not going to have any or very little debt, so that's a great place to be as well. It takes all the pressure off of not having to be under that and pay bills, those bills every day. And most of us that are kind of in this red zone that have done any planning, you kind of know what you want to do with your life. I mean, I think I know what I want to do right now.   Marc Killian: Yeah, that's a big one right now.   Tony Mauro: [crosstalk 00:10:38]... 15 years out.   Marc Killian: How many people come in, don't know. Right? They're just like, "Yeah, well we're going to retire Tony, but then what?"   Tony Mauro: Right.   Marc Killian: Yeah.   Tony Mauro: Yeah. And obviously that does change as you get a little older and of course health dictates some of that. But you at least you've got to have something, all of this is subject to change, but [crosstalk 00:10:55].   Marc Killian: Sure, and that's the fun part too.   Tony Mauro: Yeah.   Marc Killian: But having at least a rough structure, and we've done podcasts on that in the past too folks. So definitely by subscribing and getting the episodes as they come out, you can also go check out past episodes on Tony's website at yourplanningpros.com. But with Tony, we've talked about having some goals in mind in retirement, and that's really important to definitely strategize with in the red zone. I think wine and golf is on your list, right?   Tony Mauro: That's on my list, but I'd like to travel to do that.   Marc Killian: Yeah. You love to do that. Yeah.   Tony Mauro: So that's kind of what we're thinking is, traveling even more, and especially in the early years of retirement.   Marc Killian: And that costs.   Tony Mauro: Doing some of those things on the culinary side, and then golf if I could still swing. And I like to hike, so I like to be out west and be outside, see that sun and those rocks and mountains and whatnot. But everybody's different, but at least I've got something in mind.   Marc Killian: Right. Yeah. But it does cost money. Retirement, as we said on the prior podcast, free time is not free.   Tony Mauro: No, not free.   Marc Killian: Because you typically find something to do. I mean, hiking, you go, well, Hey, hiking's free Marc. It's like, well, yeah, but staying at a hotel someplace where you're at or camping or paying camp, ground fees, I mean, there's always something, right? There's always some kind of cost. So when you get to the red zone, you got to have a plan in mind. And again, if you are kind of proactive and paying attention, you probably have some of those things already checked off that Tony and I discussed. But if you don't, that's the beauty of working with an advisor, is they're going to help you walk through this stuff. And even the daydreaming part, they're going to kind of help you with.   Tony Mauro: That's right. And that's the funnest part. It's the funnest part for me when we, we set the numbers aside and just talk about, well, what do you want to do? And just kind of chit chat about that and kind of go down different roads and have some fun with it because the way I look at it and again, personal opinion, but you've worked for what? 30, 40, maybe a little longer years. And if you're lucky enough to have your health and whatnot, shouldn't you want to have a little, what everybody wants at retirement? The goal at the end of the rainbow is have all this free time and do what you want for one thing in life. I always tell my staff, I want to be a child again, wake up and say, "what am I going to do fun today?" And not a lot of worries, but there's no guarantee that's going to happen. But if you don't plan, you're almost surely not going to have the retirement you're looking for.   Marc Killian: Yeah. Yeah. I want to be a child again, but I don't want to have to eat my Brussels sprouts, I'm just saying.   Tony Mauro: Right. You don't want to do that. Well, you do what you want.   Marc Killian: There you go. Well, that's our fumbling in then the red zone conversation here, the financial red zone. Don't fumble your retirement, make sure that you are working with a qualified professional who can help you with a lot of the X's and O's to stay with that football analogy. Because look, DIY process has been very popular in the last few years, it's so much easier. We've done shows on that, we've talked before in the past. It's a lot easier to grow the wealth and to build it up than it is to understand how to preserve it and distribute it throughout retirement, throughout those golden years. So there's a lot of little moving parts.   Marc Killian: So make sure you're doing yourself and your retirement a favor and having the conversations that you need to have with a qualified professional, like Tony Mauro, his team, Tony's an EA and a CFP with 20 plus years experience. So a great resource for you to tap into if you're not already. And course you can find all the information, you could subscribe to the podcast, you can learn more about Tony and his team. You can schedule some time at yourplanningpros.com. That's yourplanningpros.com to talk with Tony Mauro and the team at Tax Doctor Inc. Tony, thanks for hanging out with me, my friend. I appreciate it.   Tony Mauro: All right. well talk to you on the next one.   Marc Killian: Yeah, we'll be back soon. And in February, we'll probably be talking about Valentine's day and finance as well. So it'll be that time of the year. The year is already off and trucking. So we'll see you next time here on Plan With The Tax Man.   Disclaimer: Securities offered through Avantax Investment ServicesSM. Member FINRA, S.I.P.C. Investment advisory services offered through Avantax Advisory Services. Insurance services offered through an Avantax affiliated insurance agency.

In football, teams are extra careful not to make a mistake when they get within about 20 yards of scoring points (known as the Red Zone). They've typically worked hard to get to that point and don't want to cost themselves by throwing an interception or fumbling the ball and giving it to the other team. On this episode, we'll explore the financial equivalent of the Red Zone and discuss how you can really mess things up if you're not careful during this phase of your life. If you're approaching retirement, this is a fundamental conversation you won't want to miss. Links & Show Notes: Great Lakes Retirement Website: http://www.greatlakesretirementsolutions.com/ Call: 989-401-2949

Red Zone Rogue returns to the show to discuss the results of our FAB draft survey. Flake and RZR also decipher the cryptic tweets from the official FAB Twitter account. This episode of Instant Speed is sponsored by FABDB.net - Your source for Flesh and Blood decks and training. Visit https://fabdb.net/

In football, teams are extra careful not to make a mistake when they get within about 20 yards of scoring points (known as the Red Zone). They've typically worked hard to get to that point and don't want to cost themselves by throwing an interception or fumbling the ball and giving it to the other team. On this episode, we'll explore the financial equivalent of the Red Zone and discuss how you can really mess things up if you're not careful during this phase of your life. If you're approaching retirement, this is a fundamental conversation you won't want to miss. Helpful Info: Kyle's website: http://www.mokanwealth.com/ Phone: 913-257-3991 Tax-Free Retirement Toolkit: http://www.mokanwealth.com/shock/