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On today's episode, Dr. Mark Costes welcomes back Mark Johnson, wealth advisor with RBF Wealth Advisors and founder of Student Loans Rx and Dental Wealth Rx, for a practical conversation about student loan repayment, practice ownership, and long-term financial planning for dentists. Mark shares how he first began working with dental students and residents after realizing how little traditional financial planning addressed the realities of six-figure student loan debt. He explains why young dentists should build a financial foundation that includes emergency savings, disability insurance, retirement contributions, and a thoughtful student loan repayment strategy. Mark also discusses the new repayment assistance plan, why practice ownership can be one of the most powerful ways to accelerate income and pay down debt, and how dentists can begin preparing financially, clinically, and emotionally to become owners within a few years of graduation. Be sure to check out the full episode from the Dentalpreneur Podcast! EPISODE RESOURCES https://www.studentloansrx.com https://www.truedentalsuccess.com Dental Success Network Subscribe to The Dentalpreneur Podcast
In this episode of On Investing, Liz Ann Sonders and Collin Martin examine the recent surge in global bond yields and what it means for investors. Collin explains that long-term Treasury yields have risen due to a combination of the Federal Reserve's hawkish posture, elevated uncertainty premiums, fiscal concerns, and a global move higher in interest rates. He emphasizes that inflation expectations remain relatively well-behaved, suggesting the rise in yields is less about fears of runaway inflation and more about uncertainty, government borrowing needs, and a "higher for longer" interest rate environment. Liz Ann discusses how higher yields affect stocks, noting that growth-oriented sectors, real estate, and utilities are particularly sensitive to rising rates. She also argues that investors may be operating in a more volatile "Temperamental Era," where inflation and bond yields play a larger role in driving equity market performance than they did during the decades-long "Great Moderation." Then, Liz Ann interviews former St. Louis Fed President Jim Bullard, who argues that the Federal Reserve risks falling behind the curve by tolerating inflation near 3% rather than returning it to its 2% target. Bullard shares his views on monetary policy, AI's potential impact on productivity, geopolitical risks, financial markets, and the evolving economic landscape. Finally, Liz Ann and Collin provide a preview of upcoming economic indicators and data releases, including the Fed's preferred inflation measure, housing data, and consumer sentiment surveys. You can read the report Liz Ann mentions here: “Great Moderation Era: Drift(ing) Away.” On Investing is an original podcast from Charles Schwab. For more on the show, visit schwab.com/OnInvesting. If you enjoy the show, please leave a rating or review on Apple Podcasts. Important Disclosures The comments, views, and opinions expressed in the presentation are those of the speakers and do not necessarily represent the views of Charles Schwab. This material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The securities, investment products and investment strategies mentioned are not suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions. All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed. Past performance is no guarantee of future results. Investing involves risk, including loss of principal. Performance may be affected by risks associated with non-diversification, including investments in specific countries or sectors. Additional risks may also include, but are not limited to, investments in foreign securities, especially emerging markets, real estate investment trusts (REITs), fixed income, municipal securities including state specific municipal securities, small capitalization securities and commodities. Each individual investor should consider these risks carefully before investing in a particular security or strategy. Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors. Treasury Inflation Protected Securities (TIPS) are inflation-linked securities issued by the US Government whose principal value is adjusted periodically in accordance with the rise and fall in the inflation rate. Thus, the dividend amount payable is also impacted by variations in the inflation rate, as it is based upon the principal value of the bond. It may fluctuate up or down. Repayment at maturity is guaranteed by the US Government and may be adjusted for inflation to become the greater of the original face amount at issuance or that face amount plus an adjustment for inflation. Treasury Inflation-Protected Securities are guaranteed by the US Government, but inflation-protected bond funds do not provide such a guarantee. All names and market data shown are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Forecasts contained herein are for illustrative purposes only, may be based upon proprietary research and are developed through analysis of historical public data. The policy analysis provided by Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party. Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see schwab.com/indexdefinitions. (0826-Z0K4) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
Robert Nordlander spent over 20 years as a special agent with IRS Criminal Investigation — investigating complex criminal tax and money laundering violations, working undercover operations, executing search and arrest warrants, and building the cases that sent tax evaders and money launderers to federal prison — and in this episode of Locked In with Ian Bick, he finally tells the complete truth about what that career really looked like from the inside. He shares what cases the IRS Criminal Division actually goes after and prosecutes, what it actually takes to put someone in prison for taxes, the different types of money laundering he investigated, why small business owners evade taxes more than anyone else, how cases came to him and what the investigation process actually looked like, some of the most significant cases of his career, and what the new world of influencers and social media income is producing in terms of tax crime that most people never see coming. _____________________________________________ #irs #taxes #truecrimestories #accountant #cops _____________________________________________ Thank you to CASH APP for sponsoring this episode: Download Cash App Today: https://capl.onelink.me/vFut/ksjh06pb #CashAppPod Cash App is a financial services platform, not a bank. Banking services provided by Cash App's bank partner(s). Prepaid debit cards issued by Sutton Bank, Member FDIC. Cash App Visa® Debit Flex Cards issued by Sutton Bank, Member FDIC, and The Bancorp Bank, N.A., pursuant to a license from Visa U.S.A. Inc. See terms and conditions for the Sutton prepaid card, Sutton debit flex card, and Bancorp debit flex card. Discounts and promotions provided by Cash App, a Block, Inc. brand. Visit cash.app/legal/podcast for full disclosures. _____________________________________________ Connect with Robert Nordlander: Website: https://www.nordlandercpa.com/ Buy his books: https://www.amazon.com/stores/Robert-Nordlander/author/B0BMZT4CNK?ref=ap_rdr&shoppingPortalEnabled=true&ccs_id=a4257f70-b089-4db0-8020-c9bd7e35d743 Hosted, Executive Produced & Edited By Ian Bick: https://www.instagram.com/ian_bick/?hl=en https://ianbick.com/ _____________________________________________ Timestamps: 00:00 Meet the Ex-IRS Agent 00:21 Growing Up and Early Career 02:00 From Chips to IRS Agent 03:48 The CPA Advantage 05:40 IRS CI Origins and Its Role 06:34 Stationed in Alabama 07:19 Dad's Blessing and Career Shift 09:03 First Case: Identity Theft 10:50 The IRS 'Funny Box' Explained 12:05 Tax Protesters and False Refunds 13:37 Sentencing for Tax Protesters 14:59 Statute of Limitations for Tax Crimes 15:38 Hiding Income: The Small Business Owner 16:36 How Agents Find Cases 18:40 Data Mining for Evasion 20:47 The Value of IRS CI to Prosecutors 21:09 Drug Dealers and Tax Returns 22:12 Civil vs. Criminal: Making the Call 24:30 Choosing Cases Worth Prosecuting 25:40 Cash App Sponsorship 27:40 Dollar Amounts Drive Cases 29:34 Most Common Businesses for Fraud 30:42 Contractor Cash Schemes 31:32 Investigating Contractor Fraud 32:51 Why Celebrities Don't File 34:14 The Tax Gap and Who's Responsible 35:30 Are Business Owners Honest? 36:50 Influencer Tax Issues 38:12 The Fiji Hotel Example 39:22 Influencer Contracts and Tax 40:20 Ignorance and Willfulness 41:30 Influencer Cases and Richard Hatch 43:08 Tax Preparer Liability 44:42 Return Preparers: No License Needed 45:29 Preparer Mistakes vs. Crimes 46:53 Abuse of Earned Income Tax Credit 48:55 What Happens to the Clients? 50:00 When to Tell a Subject They're Investigated 51:42 Undercover Work and Surveillance 55:27 Common Lies from Suspects 57:37 Finding the Second Set of Books 58:26 Pissed-Off Partners as Informants 58:49 State vs. Federal Cases 01:00:35 The Length of Federal Investigations 01:01:36 Finding Bank Accounts 01:03:40 Using Flight Rosters as Leads 01:05:27 Structuring: The $10,000 Myth 01:07:19 A Surprising Case: Murder and Taxes 01:12:28 Expectations of Repayment 01:13:12 Most Egregious Money Hiding 01:15:40 PayPal, Venmo, and Cash App 01:17:52 Money Laundering Evolution 01:20:51 Cryptocurrency and the IRS 01:24:17 Unreported 1099 Income 01:26:46 Tips and Minor Tax Evasion 01:27:43 Is the System Fair? 01:29:00 The Tax Boycott Myth 01:31:00 Tax Protesters Are Filing 01:34:19 Jury Trials and Complex Cases 01:37:52 Testifying and Simplifying for Juries 01:42:10 Winning at Trial: The Odds 01:44:00 Robert's Role as a Consultant 01:45:58 Retiring from the IRS 01:47:53 Life on the Defense Side 01:52:56 IRS Layoffs and Efficiency 01:56:58 The Most Important Lesson 01:58:52 Truth Has Many Friends 02:00:18 Final Thoughts and Resources _____________________________________________ To advertise on the show, contact sales@advertisecast.com or visit https://advertising.libsyn.com/LockedInWithIanBicka
It's Indicators of the Week!On today's episode: Retirees get a bump in benefits; credit card debt delinquency at a historically high level; and the dating app Bumble on a serious decline — Men first! IRL events! What will work! Fact checking by Cooper Katz McKim and Vito Emanuel.Your Next Listen — Trying to fix the dating app backlashConnect with The Indicator — Sign up for The Indicator's weekly newsletter!— Buy the Planet Money book— Find our socials, YouTube and more!— For sponsor-free episodes, subscribe to NPR+ Support public media with NPR+ and enjoy perks for over 25 podcasts like this one. This show's perks include sponsor-free listening. Learn more at plus.npr.org.See pcm.adswizz.com for information about our collection and use of personal data for sponsorship and to manage your podcast sponsorship preferences.NPR Privacy Policy
Major student loan repayment changes are here, and borrowers on the SAVE Plan may have only 90 days after receiving their notice to choose a new repayment option. In this episode of Dollars & Sense, Chet Cowart and Kristin Kalley break down what happened to the SAVE Plan, why doing nothing could automatically move borrowers into a Tiered Standard Repayment Plan, and how that choice could affect monthly payments, Public Service Loan Forgiveness, and long-term financial planning. You'll learn how Income-Based Repayment, the new Repayment Assistance Plan, and fixed repayment plans compare; why recertification matters; and what borrowers should consider before choosing a new plan. The episode also covers how market leadership may be shifting beyond big technology stocks and why diversification, valuation, and concentration risk matter for investors approaching retirement. Topics covered: SAVE Plan ending90-day repayment deadlinestudent loan repayment optionsIBR vs. RAPPublic Service Loan Forgivenessrecertification strategiestax filing considerationsmarket leadership changesAI and tech stock concentrationdiversificationretirement planning
What employers should know about key developments this week: Severance Agreement Overhaul: The No Severance Ultimatums Act, awaiting Governor Kathy Hochul's signature, would extend a 21-day review period plus a seven-day revocation period to all employees and require severance agreements to explicitly state that the employee has the right to consult counsel. The legislation would take effect immediately upon signature. Trapped at Work Act Amendments: On December 19, 2026, New York's ban on "stay or pay" promissory notes takes effect. The Trapped at Work Act carves out financial bonuses and wage advances and adds new conditions for tuition repayment agreements. New York joins California and Connecticut in banning certain promissory notes. Earned Safe and Sick Time Act Update: Amended Earned Safe and Sick Time Act rules, now in effect for New York City employers, require 32 hours of unpaid protected time off immediately upon hire and set new obligations for employers that use electronic systems to track sick leave balances for departing employees. In this episode of Employment Law This Week®, Epstein Becker Green attorney Drew C. Ambrose discusses the No Severance Ultimatums Act and what employers should be doing now to prepare their severance agreements ahead of the governor's signature. - Visit our site for this week's video edition and more news: https://www.ebglaw.com/eltw442 Sign up for notifications: https://www.ebglaw.com/eltw-subscribe Visit https://www.EmploymentLawThisWeek.com - Epstein Becker Green is a national law firm focused on health care and life sciences; employment, labor, and workforce management; and litigation and business disputes. This video is for informational purposes only and does not constitute legal advice. Viewing this video does not create an attorney-client relationship. EMPLOYMENT LAW THIS WEEK® and #WorkforceWednesday® are registered trademarks of Epstein Becker & Green, P.C. © Epstein Becker & Green, P.C. All Rights Reserved. Attorney Advertising.
Trump's overhaul of the federal student loan system will leave millions of Americans facing higher monthly payments, fewer repayment options, and new borrowing limits.
A better-than-expected June Consumer Price Index (CPI) report offered some welcome relief for investors concerned about persistent inflation pressures. But while the headline numbers came in below expectations, Liz Ann Sonders and Collin Martin explain why underlying inflation trends, including higher oil prices, rising costs tied to AI-related investment, and components that feed into the Fed's preferred inflation gauge, suggest the inflation story is far from over. They also discuss why macroeconomic factors such as inflation, monetary policy, and labor-market conditions remain essential inputs for portfolio decisions, even when investors are looking for more specific investment guidance. The conversation covers the Federal Reserve's outlook, what recent data means for bond investors, small-business sentiment and hiring plans, growing concerns about inflation among business owners, and the economic indicators they'll be watching in the weeks ahead. On Investing is an original podcast from Charles Schwab. For more on the show, visit schwab.com/OnInvesting. If you enjoy the show, please leave a rating or review on Apple Podcasts. Important Disclosures This material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The securities, investment products and investment strategies mentioned are not suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions. All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed. Past performance is no guarantee of future results. Investing involves risk, including loss of principal. Performance may be affected by risks associated with non-diversification, including investments in specific countries or sectors. Additional risks may also include, but are not limited to, investments in foreign securities, especially emerging markets, real estate investment trusts (REITs), fixed income, municipal securities including state specific municipal securities, small capitalization securities and commodities. Each individual investor should consider these risks carefully before investing in a particular security or strategy. Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors. Lower rated securities are subject to greater credit risk, default risk, and liquidity risk. Diversification and asset allocation do not ensure a profit and do not protect against losses in declining markets. All names and market data shown are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Forecasts contained herein are for illustrative purposes only, may be based upon proprietary research and are developed through analysis of historical public data. The policy analysis provided by Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party. Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see schwab.com/indexdefinitions Treasury Inflation Protected Securities (TIPS) are inflation-linked securities issued by the US Government whose principal value is adjusted periodically in accordance with the rise and fall in the inflation rate. Thus, the dividend amount payable is also impacted by variations in the inflation rate, as it is based upon the principal value of the bond. It may fluctuate up or down. Repayment at maturity is guaranteed by the US Government and may be adjusted for inflation to become the greater of the original face amount at issuance or that face amount plus an adjustment for inflation. Treasury Inflation-Protected Securities are guaranteed by the US Government, but inflation-protected bond funds do not provide such a guarantee. (0726-F5V5) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
Financial Coaches Network - The Podcast: Build your Financial Coaching Business
In this episode, Joshua Escalante Troesh CFP® and Amelie Riendl AFC® break down how to properly structure, document, and repay owner-funded business loans—from deciding whether the money should be treated as a loan or a capital contribution, to understanding tax, legal, and bookkeeping implications. The conversation highlights why documentation matters, when to involve an attorney, and how repayment mechanics work. Top takeaways: Many new businesses start with capital contributions, not loans, which add unnecessary complexity early on. The first (and most important) step is deciding whether the money should be a loan or a capital contribution, as each has different tax and legal consequences. Proper documentation protects you in audits and lawsuits; even loans to yourself could benefit from having a signed agreement outlining the key terms of the loan. Loan payments must be split between principal and interest, and interest must be reported as income to the owner. Proper bookkeeping may benefit from hiring professional services to help. If repayment terms need flexibility, an attorney should draft provisions that a reasonable third party would accept. Poorly documented loans can jeopardize liability protection and may require costly retroactive bookkeeping and tax corrections. With thoughtful planning and proper documentation, owner loans can support your business without creating future financial or legal headaches.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
The massive student loan overhaul is officially here. In this exclusive interview with financial literacy expert Ja'Net Adams (@janetadamsspeak), we break down exactly how the "One Big Beautiful Bill Act" (OBBBA) completely reshapes federal student loans starting July 1, 2026.Whether you have existing student debt or are planning for future college costs, the rules of the game have shifted. We explain the death of the SAVE plan, the rollout of the new Repayment Assistance Plan (RAP), the new Tiered Standard options, and the critical steps you must take within the next 90 days to avoid being auto-enrolled in a higher payment plan. We also cover the newly announced 1% auto-pay interest rate reduction and what parents need to know about the new Parent PLUS annual caps.Ja'Net Adams Money Attractor Academy - https://themoneyattractoracademy.com/?affcode=282391_rbe4ug_8Survey Link: https://secure.money.com/pr/i71f742d8474Ja'Net website: https://debtsucksuniversity.com/The Money Attractor Book on Amazon: https://a.co/d/00gNWZaLInstagram: https://www.instagram.com/janetadamsspeak/Youtube: https://www.youtube.com/@JaNetAdams#StudentLoans2026 #OBBBA #RAPPlan #FinancialLiteracy #CollegeDebt #StudentAid #JanetAdams #moneynewsmalayalam Available on all podcast streaming services:spotify: https://open.spotify.com/show/71jAuFEpE62eXOJQsQmx74apple podcast: https://podcasts.apple.com/us/podcast/the-highest-point-podcast/id1573678608pandora: https://pandora.com/podcast/the-highest-point-podcast/PC:1000637890iHeart: https://www.iheart.com/podcast/269-the-highest-point-podcast-83744185/Support the show: https://www.cash.app/$highestpointenthttps://www.paypal.com/paypalme/highestpointpodcast#thehighestpointpodcast
A call for retirement villages to speed up their payment processes. The Government's looking to change the law so retirement villages have to pay back departed residents in 12 months. Labour wants to see it reduced to three months. Retirement Village Residents Association national president Brian Peat says a Consumer NZ petition for the three-month policy has received more than 40 thousand signatures. He told Ryan Bridge all they've ever asked for the repayment to occur in longer than three months and for it to apply to existing residents. Peat says the Coalition Government now has to step up to the challenge, because they're not going to give up on this review. LISTEN ABOVE See omnystudio.com/listener for privacy information.
After years of prioritizing balance sheet repair and shareholder returns, upstream E&Ps are facing a dramatically different commodity environment. With cash flows rising, producers faced pressures to reassess priorities as hydrocarbon prices increased. Today, we look at how they responded.
CMS revised the Medicare 60-Day Repayment Rule, changing how overpayments are identified. In this episode, Husch Blackwell's Bryan Nowicki and Andrew Brenton analyze this change and how it affects the time frames applicable to internal investigations and repayment obligations. They also introduce a handy one-page summary of key deadlines. Additional resources: 60-Day Repayment Rule
A brand new income-driven repayment (IDR) plan is coming, and the rules are stricter than anything borrowers have dealt with before. We break down what we know about the Repayment Assistance Plan (RAP): who qualifies, how payments are calculated, and the deadlines you may need to beat before older plans like Pay As You Earn (PAYE) close their doors. If you have federal loans and want to make the right move during this transition window, this is where to start.Key moments:(03:57) Checking your loan types and RAP eligibility(06:38) How RAP payments are calculated(10:44) Unpaid interest subsidy and other RAP features(18:26) RAP's 30-year forgiveness and how it impacts PSLFResource mentioned: Repayment Assistance Plan (RAP) CalculatorLike the show? There are several ways you can help!Follow on Apple Podcasts, Spotify or Amazon MusicLeave an honest review on Apple PodcastsSubscribe to the newsletterJoin SLP Insiders for student loan loopholes, SLP app and member communityFeeling helpless when it comes to your student loans?Try our free student loan calculatorCheck out our refinancing bonuses we negotiatedBook your custom student loan planGet profession-specific financial planningDo you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!Mentioned in this episode:The SLP YouTube ChannelIf you're more of a visual learner or you like seeing charts, breakdowns, and exploring other topics, check out https://youtube.com/studentloanplannerFree Student Loan newsletterIf you are not already getting our weekly newsletter every Thursday, you are missing out. We break down studio loan news, updates, money tips, all in one helpful newsletter. Sign up for free at https://studentloanplanner.com/newsletter
On July 1, there will be changes to the student loan repayment system that change the situation for new and old borrowers alike. On Today's Show:Cory Turner, NPR education correspondent and senior editor, shares what's changing, and how those impacted can navigate the changes. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
In this episode, Collin Martin and Liz Ann Sonders focus on the outlook for equities, fixed income, and the overall U.S. economy in the second half of 2026. They begin by discussing recent inflation data, noting that while CPI remains elevated, core inflation came in slightly better than expected. Both agree inflation is not quickly returning to the Fed's target, but easing expectations and stable inflation expectations suggest the Federal Reserve can remain patient for now. The key risk is whether higher prices, especially at the pump, begin to erode consumer spending, as real wages have turned negative year over year. From a policy perspective, Collin expects the Fed to stay on hold through year-end, despite the fed funds futures market pricingin a potential hike. He emphasizes that short-term yields should remain steady, while longer-term Treasury yields may stay elevated due to persistent inflation, heavy Treasury issuance, and global rate pressures. In this environment, he suggests favoring short-to-intermediate bond durations and selectively considering credit risk via investment-grade corporates, high yields, and preferred securities. Liz Ann focuses on the outlook for equity investors, highlighting a shift back to a negative correlation between bond yields and stocks—more characteristic of inflation-driven regimes. Her midyear forecast points to a solid economic backdrop, led by resilient GDP growth, strong capital spending tied to AI, and a healthy labor market, though some early warning signals are emerging in survey-based employment data. The episode closes with a cautious but constructive outlook: no immediate recession signals, but investors should consider prioritizing diversification, risk management, and periodically rebalancing as markets navigate inflation, policy uncertainty, and evolving leadership trends. On Investing is an original podcast from Charles Schwab. For more on the show, visit schwab.com/OnInvesting. If you enjoy the show, please leave a rating or review on Apple Podcasts. Important Disclosures This material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The securities, investment products and investment strategies mentioned are not suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions. All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed. Past performance is no guarantee of future results. Investing involves risk, including loss of principal. Performance may be affected by risks associated with non-diversification, including investments in specific countries or sectors. Additional risks may also include, but are not limited to, investments in foreign securities, especially emerging markets, real estate investment trusts (REITs), fixed income, municipal securities including state specific municipal securities, small capitalization securities and commodities. Each individual investor should consider these risks carefully before investing in a particular security or strategy. Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors. Lower rated securities are subject to greater credit risk, default risk, and liquidity risk. Treasury Inflation Protected Securities (TIPS) are inflation-linked securities issued by the US Government whose principal value is adjusted periodically in accordance with the rise and fall in the inflation rate. Thus, the dividend amount payable is also impacted by variations in the inflation rate, as it is based upon the principal value of the bond. It may fluctuate up or down. Repayment at maturity is guaranteed by the US Government and may be adjusted for inflation to become the greater of the original face amount at issuance or that face amount plus an adjustment for inflation. Treasury Inflation-Protected Securities are guaranteed by the US Government, but inflation-protected bond funds do not provide such a guarantee. Preferred securities are a type of hybrid investment that share characteristics of both stock and bonds. They are often callable, meaning the issuing company may redeem the security at a certain price after a certain date. Such call features, and the timing of a call, may affect the security's yield. Preferred securities generally have lower credit ratings and a lower claim to assets than the issuer's individual bonds. Like bonds, prices of preferred securities tend to move inversely with interest rates, so their prices may fall during periods of rising interest rates. Investment value will fluctuate, and preferred securities, when sold before maturity, may be worth more or less than original cost. Preferred securities are subject to various other risks including changes in interest rates and credit quality, default risks, market valuations, liquidity, prepayments, early redemption, deferral risk, corporate events, tax ramifications, and other factors. High-yield securities and unrated securities of similar credit quality (junk bonds) are subject to greater levels of credit and liquidity risks and may be more volatile than higher-rated securities. High-yield securities are considered predominately speculative with respect to the issuer's continuing ability to make principal and interest payments. All names and market data shown are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Forecasts contained herein are for illustrative purposes only, may be based upon proprietary research and are developed through analysis of historical public data. The policy analysis provided by Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party. Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see schwab.com/indexdefinitions Negative correlation refers to investments that tend to move in opposite directions: when one rises, the other falls. A hyperscaler is a large-scale cloud service provider that offers vast computing, storage, and networking resources through a distributed infrastructure of interconnected servers and software. (0626-WG7N) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
Mozilla found 271 unknown Firefox vulnerabilities in days using AI—bugs that millions of automated test runs had missed for years. Steve Gibson argues this isn't a crisis. It's the industry finally paying down decades of security debt, and for the first time, defenders may have the advantage. Cisco meets Mythos Can the aging CVE system survive AI Patch deployment latency in the AI age MSFT's official YellowKey BitLocker bypass mitigation Ubiquiti patches 5 serious vulnerabilities Drupal attacked by a PostgreSQL injection Microsoft terminates SMS as a second factor GitHub hacked - all of its source code exfiltrated Russia is using very old Western software Why to get a no-charge AI chatbot account New Sci-Fi on Netflix What we learn from Mozilla's use of Mythos Show Notes - https://www.grc.com/sn/SN-1080-Notes.pdf Hosts: Steve Gibson and Leo Laporte Download or subscribe to Security Now at https://twit.tv/shows/security-now. You can submit a question to Security Now at the GRC Feedback Page. For 16kbps versions, transcripts, and notes (including fixes), visit Steve's site: grc.com, also the home of the best disk maintenance and recovery utility ever written Spinrite 6. Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free audio and video feeds, a members-only Discord, and exclusive content. Join today: https://twit.tv/clubtwit Sponsors: guardsquare.com doppel.com cyberhoot.com/securitynow trustedtech.team/securitynow365 XBOW.com
Mozilla found 271 unknown Firefox vulnerabilities in days using AI—bugs that millions of automated test runs had missed for years. Steve Gibson argues this isn't a crisis. It's the industry finally paying down decades of security debt, and for the first time, defenders may have the advantage. Cisco meets Mythos Can the aging CVE system survive AI Patch deployment latency in the AI age MSFT's official YellowKey BitLocker bypass mitigation Ubiquiti patches 5 serious vulnerabilities Drupal attacked by a PostgreSQL injection Microsoft terminates SMS as a second factor GitHub hacked - all of its source code exfiltrated Russia is using very old Western software Why to get a no-charge AI chatbot account New Sci-Fi on Netflix What we learn from Mozilla's use of Mythos Show Notes - https://www.grc.com/sn/SN-1080-Notes.pdf Hosts: Steve Gibson and Leo Laporte Download or subscribe to Security Now at https://twit.tv/shows/security-now. You can submit a question to Security Now at the GRC Feedback Page. For 16kbps versions, transcripts, and notes (including fixes), visit Steve's site: grc.com, also the home of the best disk maintenance and recovery utility ever written Spinrite 6. Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free audio and video feeds, a members-only Discord, and exclusive content. Join today: https://twit.tv/clubtwit Sponsors: guardsquare.com doppel.com cyberhoot.com/securitynow trustedtech.team/securitynow365 XBOW.com
Mozilla found 271 unknown Firefox vulnerabilities in days using AI—bugs that millions of automated test runs had missed for years. Steve Gibson argues this isn't a crisis. It's the industry finally paying down decades of security debt, and for the first time, defenders may have the advantage. Cisco meets Mythos Can the aging CVE system survive AI Patch deployment latency in the AI age MSFT's official YellowKey BitLocker bypass mitigation Ubiquiti patches 5 serious vulnerabilities Drupal attacked by a PostgreSQL injection Microsoft terminates SMS as a second factor GitHub hacked - all of its source code exfiltrated Russia is using very old Western software Why to get a no-charge AI chatbot account New Sci-Fi on Netflix What we learn from Mozilla's use of Mythos Show Notes - https://www.grc.com/sn/SN-1080-Notes.pdf Hosts: Steve Gibson and Leo Laporte Download or subscribe to Security Now at https://twit.tv/shows/security-now. You can submit a question to Security Now at the GRC Feedback Page. For 16kbps versions, transcripts, and notes (including fixes), visit Steve's site: grc.com, also the home of the best disk maintenance and recovery utility ever written Spinrite 6. Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free audio and video feeds, a members-only Discord, and exclusive content. Join today: https://twit.tv/clubtwit Sponsors: guardsquare.com doppel.com cyberhoot.com/securitynow trustedtech.team/securitynow365 XBOW.com
Mozilla found 271 unknown Firefox vulnerabilities in days using AI—bugs that millions of automated test runs had missed for years. Steve Gibson argues this isn't a crisis. It's the industry finally paying down decades of security debt, and for the first time, defenders may have the advantage. Cisco meets Mythos Can the aging CVE system survive AI Patch deployment latency in the AI age MSFT's official YellowKey BitLocker bypass mitigation Ubiquiti patches 5 serious vulnerabilities Drupal attacked by a PostgreSQL injection Microsoft terminates SMS as a second factor GitHub hacked - all of its source code exfiltrated Russia is using very old Western software Why to get a no-charge AI chatbot account New Sci-Fi on Netflix What we learn from Mozilla's use of Mythos Show Notes - https://www.grc.com/sn/SN-1080-Notes.pdf Hosts: Steve Gibson and Leo Laporte Download or subscribe to Security Now at https://twit.tv/shows/security-now. You can submit a question to Security Now at the GRC Feedback Page. For 16kbps versions, transcripts, and notes (including fixes), visit Steve's site: grc.com, also the home of the best disk maintenance and recovery utility ever written Spinrite 6. Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free audio and video feeds, a members-only Discord, and exclusive content. Join today: https://twit.tv/clubtwit Sponsors: guardsquare.com doppel.com cyberhoot.com/securitynow trustedtech.team/securitynow365 XBOW.com
Mozilla found 271 unknown Firefox vulnerabilities in days using AI—bugs that millions of automated test runs had missed for years. Steve Gibson argues this isn't a crisis. It's the industry finally paying down decades of security debt, and for the first time, defenders may have the advantage. Cisco meets Mythos Can the aging CVE system survive AI Patch deployment latency in the AI age MSFT's official YellowKey BitLocker bypass mitigation Ubiquiti patches 5 serious vulnerabilities Drupal attacked by a PostgreSQL injection Microsoft terminates SMS as a second factor GitHub hacked - all of its source code exfiltrated Russia is using very old Western software Why to get a no-charge AI chatbot account New Sci-Fi on Netflix What we learn from Mozilla's use of Mythos Show Notes - https://www.grc.com/sn/SN-1080-Notes.pdf Hosts: Steve Gibson and Leo Laporte Download or subscribe to Security Now at https://twit.tv/shows/security-now. You can submit a question to Security Now at the GRC Feedback Page. For 16kbps versions, transcripts, and notes (including fixes), visit Steve's site: grc.com, also the home of the best disk maintenance and recovery utility ever written Spinrite 6. Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free audio and video feeds, a members-only Discord, and exclusive content. Join today: https://twit.tv/clubtwit Sponsors: guardsquare.com doppel.com cyberhoot.com/securitynow trustedtech.team/securitynow365 XBOW.com
Mozilla found 271 unknown Firefox vulnerabilities in days using AI—bugs that millions of automated test runs had missed for years. Steve Gibson argues this isn't a crisis. It's the industry finally paying down decades of security debt, and for the first time, defenders may have the advantage. Cisco meets Mythos Can the aging CVE system survive AI Patch deployment latency in the AI age MSFT's official YellowKey BitLocker bypass mitigation Ubiquiti patches 5 serious vulnerabilities Drupal attacked by a PostgreSQL injection Microsoft terminates SMS as a second factor GitHub hacked - all of its source code exfiltrated Russia is using very old Western software Why to get a no-charge AI chatbot account New Sci-Fi on Netflix What we learn from Mozilla's use of Mythos Show Notes - https://www.grc.com/sn/SN-1080-Notes.pdf Hosts: Steve Gibson and Leo Laporte Download or subscribe to Security Now at https://twit.tv/shows/security-now. You can submit a question to Security Now at the GRC Feedback Page. For 16kbps versions, transcripts, and notes (including fixes), visit Steve's site: grc.com, also the home of the best disk maintenance and recovery utility ever written Spinrite 6. Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free audio and video feeds, a members-only Discord, and exclusive content. Join today: https://twit.tv/clubtwit Sponsors: guardsquare.com doppel.com cyberhoot.com/securitynow trustedtech.team/securitynow365 XBOW.com
Mozilla found 271 unknown Firefox vulnerabilities in days using AI—bugs that millions of automated test runs had missed for years. Steve Gibson argues this isn't a crisis. It's the industry finally paying down decades of security debt, and for the first time, defenders may have the advantage. Cisco meets Mythos Can the aging CVE system survive AI Patch deployment latency in the AI age MSFT's official YellowKey BitLocker bypass mitigation Ubiquiti patches 5 serious vulnerabilities Drupal attacked by a PostgreSQL injection Microsoft terminates SMS as a second factor GitHub hacked - all of its source code exfiltrated Russia is using very old Western software Why to get a no-charge AI chatbot account New Sci-Fi on Netflix What we learn from Mozilla's use of Mythos Show Notes - https://www.grc.com/sn/SN-1080-Notes.pdf Hosts: Steve Gibson and Leo Laporte Download or subscribe to Security Now at https://twit.tv/shows/security-now. You can submit a question to Security Now at the GRC Feedback Page. For 16kbps versions, transcripts, and notes (including fixes), visit Steve's site: grc.com, also the home of the best disk maintenance and recovery utility ever written Spinrite 6. Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free audio and video feeds, a members-only Discord, and exclusive content. Join today: https://twit.tv/clubtwit Sponsors: guardsquare.com doppel.com cyberhoot.com/securitynow trustedtech.team/securitynow365 XBOW.com
Mozilla found 271 unknown Firefox vulnerabilities in days using AI—bugs that millions of automated test runs had missed for years. Steve Gibson argues this isn't a crisis. It's the industry finally paying down decades of security debt, and for the first time, defenders may have the advantage. Cisco meets Mythos Can the aging CVE system survive AI Patch deployment latency in the AI age MSFT's official YellowKey BitLocker bypass mitigation Ubiquiti patches 5 serious vulnerabilities Drupal attacked by a PostgreSQL injection Microsoft terminates SMS as a second factor GitHub hacked - all of its source code exfiltrated Russia is using very old Western software Why to get a no-charge AI chatbot account New Sci-Fi on Netflix What we learn from Mozilla's use of Mythos Show Notes - https://www.grc.com/sn/SN-1080-Notes.pdf Hosts: Steve Gibson and Leo Laporte Download or subscribe to Security Now at https://twit.tv/shows/security-now. You can submit a question to Security Now at the GRC Feedback Page. For 16kbps versions, transcripts, and notes (including fixes), visit Steve's site: grc.com, also the home of the best disk maintenance and recovery utility ever written Spinrite 6. Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free audio and video feeds, a members-only Discord, and exclusive content. Join today: https://twit.tv/clubtwit Sponsors: guardsquare.com doppel.com cyberhoot.com/securitynow trustedtech.team/securitynow365 XBOW.com
On this week's episode of "Financial Planning: Explained”, host Michael Menninger, CFP welcomes back Mackensie Ellis. Mackensie is a student loan professional at Juno. Juno student loans uses collective bargaining power to negotiate better rates on undergraduate, graduate, and refinance student loans. In this episode, Mackensie and Mike talk about loan repayment after graduation. The two get into refinance options, loan deferment, and public service loan forgiveness. This is a great episode for students of any age or students who have recently graduated looking for repayment options. For more information on Menninger & Associates Financial Planning visit https://maaplanning.com.
James Anderson, Chairman & CEO of Guanajuato Silver (TSX.V:GSVR – OTCQX:GSVRF), joins me for a comprehensive update on Q4 2025 financials, year-to-date operations trends, the early partial repayment of their loan to Ocean Partners, the 16,000 meters of underground development work underway, and the key initiatives for their ongoing 75,000 meter drill program at each mine. Guanajuato Silver produces silver and gold concentrates from the El Cubo Mine Complex, Valenciana Mines Complex, the San Ignacio mine, and their recently acquired Bolanitos Gold-Silver Mine. In addition, the Company produces silver, gold, lead, and zinc concentrates from the Topia mine in northwestern Durango. In addition to these 5 producing mines, the Company also has 3 past-producing exploration and development projects in their portfolio at the El Horcon Mine, Pinguico Mine, and Cebada Mine. Q4 2025 Highlights Mine Operating Income of $4.0M represented a 375% increase over Q3; Working Capital of $14.2M vs $5.4M, represented a 163% increase over the previous quarter. Revenue increased by 40% to $22.7M in Q4 from $16.3M in Q3, 2025. Production during Q4 was 295,836 ounces of silver (an increase of 21% over the previous quarter Grades of Silver and Gold were 37% and 15% higher respectively, showing a continued trajectory toward higher quality ounces. Silver represented 64% of total revenue; with 94% of revenue in Q4 derived from silver and gold sales, Guanajuato Silver remains a genuine precious metals producer with outsized leverage to the silver price. Realized prices were $55.54 for silver and $4,161.94 for gold in Q4. Cash and cash equivalents totaled $41.5M at the end of the quarter James outlines their ongoing 16,000 meters of underground development work paired with the 75,000-meter drill program, currently utilizing 7 drill rigs and with plans to contract 2 more to augment exploration initiatives. This is largest exploration program the company has ever deployed, with some areas getting the first meaningful resource expansion in many years. If you have any follow up questions for James on Guanajuato Silver, then please email them into me at Shad@kereport.com. In full disclosure, Shad is a shareholder of Guanajuato Silver at the time of this recording, and may choose to buy or sell shares at any time. Click here to follow the latest news from Guanajuato Silver For more market commentary & interview summaries, subscribe to our Substacks: The KE Report: https://kereport.substack.com/ Shad's resource market commentary: https://excelsiorprosperity.substack.com/ Investment disclaimer: This content is for informational and educational purposes only and does not constitute investment advice, an offer, or a solicitation to buy or sell any security. Investing in equities and commodities involves risk, including the possible loss of principal. Do your own research and consult a licensed financial advisor before making any investment decisions. Guests and hosts may own shares in companies mentioned, and companies profiled may be sponsors of the KE Report.
I'm putting myself on trial with attorney Frederick Rosenberg, who has spent 30 years as a forensic analyst, picking apart the wreckage of financial disasters. In his book, Dying for Benefits, he comes after the infinite banking concept and agents selling life insurance for income. Can I change his mind?Watch the Interview on Youtube for Visuals - https://youtu.be/MMgdrQ-d4g4Want a Whole Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarityWant Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-reviewWant More Free Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vaultLearn More About BetterWealth: https://betterwealth.comChapters:00:00 - Introduction to Fred and his book Dying for Benefits 02:42 - Fred's Background in Financial Litigation 04:13 - Critical Issues with Infinite Banking and IUL Policies 12:37 - Role of Permanent Life Insurance 18:00 - Debating Policy Lapse Statistics 25:48 - The "Phantom Tax" and Surrender Consequences 32:15 - Analyzing Insurance Policy Illustrations 42:35 - Putting Life Insurance Theories "On Trial" 57:01 - Scenario A vs. Scenario B: Savings vs. Insurance 01:06:44 - Concept of "Value Arbitrage" 01:21:01 - Risks of Borrowing and Source of Repayment 01:28:58 - Discussion on Imputed Interest and Business Deductions 01:36:44 - Diversification and Proportionality in Portfolios 01:40:52 - Closing Remarks and Future CollaborationDISCLAIMER: https://bttr.ly/aapolicy*This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.
GPPR Podcast Editor Asha Gudipaty (JPPP '27) sits down with Kristin Blagg - Principal Research Associate in the Work, Education, and Labor Division at the Urban Institute, McCourt alum, and current professor - for a timely conversation on income-based repayment (IBR) and the evolving federal loan landscape following the passage of the "One Big Beautiful Bill."
Before we leave this book, remember and reflect on… 1. The Reliability of the Revelation v.6 - If we believe Revelation is true, we must live our lives accordingly. 2. The Readiness of the Revelation v.7a, 12 3. The Reward and Repayment of the Revelation v.7b, 11, 12b -Revelation teaches Recompense… Reward for the Righteous Reckoning for the Rebellious 4. The Restrictions of the Revelation v.8-10 Do Worship God ONLY Do NOT seal up the words of the prophecy of this book 5. The Reason for Revelation v.13 Jesus is the reason! He is The Revelation!
If income-driven repayment flexibility matters to you, don't wait until summer 2026. Any federal loans disbursed on or after July 1, 2026, lose access to IBR, ICR, and PAYE. Because consolidation can take months to process, treat April 1, 2026 as your planning deadline. FREQUENTLY ASKED QUESTIONS What is changing with income-driven repayment? The One Big Beautiful Bill Act (OBBBA), signed July 4, 2025, restructures federal student loan repayment starting July 1, 2026. Loans disbursed on or after that date are limited to a new Standard Repayment Plan or the Repayment Assistance Plan (RAP). Legacy plans — IBR, ICR, and PAYE — will not be available for those loans. Are IBR, ICR, and PAYE going away entirely? Not immediately. Borrowers with loans disbursed before July 1, 2026, who take on no new loans after that date, can still enroll in or remain on IBR, ICR, or PAYE. That said, per NASFAA's bill analysis, borrowers on ICR or PAYE must move to IBR, a standard plan, or RAP by July 1, 2028 — otherwise they are automatically placed in RAP. IBR remains available for existing borrowers on an ongoing basis. Why does consolidation matter? Borrowers with FFEL loans, Perkins loans, or mixed federal portfolios often must consolidate into a Direct Consolidation Loan to access income-driven repayment at all. Under the OBBBA, that loan must be disbursed — not just applied for — by June 30, 2026. A consolidation disbursed on or after July 1, 2026 loses access to IBR, ICR, and PAYE, even for borrowers previously enrolled in those plans. Parent PLUS borrowers have an additional requirement: a consolidation loan used to pay off a Parent PLUS loan must enter repayment under ICR before July 1, 2026 to preserve later IBR eligibility. Why April 1? April 1 is not in the law — it's a practical safety deadline. Federal Student Aid encourages borrowers who need to consolidate to apply at least three months before July 1, 2026 to ensure disbursement clears by June 30. Three months back from July 1 is April 1. What counts as "disbursed"? Disbursement means the consolidation loan has been fully processed, the underlying loans paid off, and a new Direct Consolidation Loan officially issued. Submitting an application or receiving approval does not count if the actual disbursement occurs on or after July 1, 2026. Should everyone consolidate before April 1? No — consolidation is not automatically the right move. Consider the impact on interest capitalization, existing borrower benefits, and forgiveness timelines before acting. The goal isn't "everyone consolidate." It's everyone check. Log in to StudentAid.gov, review your loan types, and determine whether action is needed before the window closes. REFERENCES NASFAA (2026, January). Federal student aid changes from the One Big Beautiful Bill Act. https://www.nasfaa.org/uploads/documents/Federal_Student_Aid_Change_OB3.pdf U.S. Department of Education, Federal Student Aid. Big updates: Changes to federal student loan repayment. https://studentaid.gov/announcements-events/big-updates U.S. Congress (2025). H.R. 1 — One Big Beautiful Bill Act (119th Congress). https://www.congress.gov/bill/119th-congress/house-bill/1/text
SA's National Debt Repayment looks Positive by Radio Islam
In this episode of the MtoM Podcast #262, we explore how a pediatric intensivist became a millionaire and share actionable lessons for other doctors looking to build wealth. From career choices and saving strategies to the mindset shifts required for financial success, this episode provides a practical roadmap for physicians at any stage of their career. We cover the pediatric intensivist's personal journey from residency to millionaire status, including the key habits, investment strategies, and financial decisions that made it possible. You'll learn how automation, disciplined saving, and smart financial planning can compound into life-changing results over time. We also include a Financial Boot Camp segment on Income-Driven Repayment (IDR) plans, explaining how doctors can manage student loans effectively and avoid common pitfalls. Whether you're early in your career, mid-career, or considering how to optimize your repayment strategy, this portion is packed with practical guidance. If you're a doctor, dentist, or other high-income professional looking for real-world financial strategies and inspiration, this episode shows how it's done—step by step. One of the most underrated financial moves in medicine is working locum tenens. It pays significantly more on average, and you can work locums full time or on the side of your full time. When you work with CompHealth, the #1 staffing agency, they cover your housing and travel costs —which on top of higher pay, really adds up. Locums also gives you more control of your career, allowing you to go where you want, when you want, with a schedule that works for you. It's the perfect way to get ahead financially while getting focused on what you love. Whether it's locum tenens or a regular permanent position, visit https://whitecoatinvestor.com/CompHealth and build your career your way with the power of CompHealth. Celebrating your stories of success along the journey to financial freedom! Tune in every Monday to the Milestones to Millionaire Podcast, where we celebrate the financial achievements of our listeners and share practical tips for reaching your own milestones. We want to celebrate your milestones—no matter how big or small—and help inspire others to follow your lead. Every week, these episodes feature one listener who has recently achieved a milestone they are proud of and want to celebrate, and they give any advice they have for those who want to follow their example. Make sure to listen every Monday to be inspired by your fellow white coat investors. Celebrate YOUR Milestone on the Milestones to Millionaire Podcast: https://whitecoatinvestor.com/milestones Website: https://www.whitecoatinvestor.com YouTube: https://www.whitecoatinvestor.com/youtube Student Loan Advice: https://studentloanadvice.com TikTok: https://www.tiktok.com/@thewhitecoatinvestor Facebook: https://www.facebook.com/thewhitecoatinvestor Twitter: https://twitter.com/WCInvestor Instagram: https://www.instagram.com/thewhitecoatinvestor Subreddit: https://www.reddit.com/r/whitecoatinvestor Online Courses: https://whitecoatinvestor.teachable.com Newsletter: https://www.whitecoatinvestor.com/free-monthly-newsletter 00:00 MtoM Podcast #262: How a Pediatric Intensivist Built Wealth 02:28 How a Pediatric Intensivist Became a Millionaire 14:24 Lessons for Doctors Who Want to Build Wealth 17:00 Understanding Income-Driven Repayment Plans (IDR) for Doctors
Student loans can feel overwhelming. Repayment plans change, headlines create confusion, and it's hard to know what actually applies to your situation or what to do next. In this episode, student loan expert Robert Farrington breaks down what's really happening with student loans right now, what borrowers need to pay attention to, and how to take strategic action instead of staying stuck. We also talk about his journey building a successful media business from the ground up, what he'd repeat, what he'd change, and what he believes matters most if you want to build something that lasts. Robert is a student loan expert and the founder of The College Investor, a leading news organization focused on the intersection of personal finance and education. https://milmo.co/podcast/state-of-student-loans For more MILMO, follow at: MILMO.co ItsMILMO on YouTube @itsmilmo on X @itsmilmo Instagram @itsmilmo LinkedIn @itsmilmo Facebook
Bonus Podcast - Martin Lewis gives his advice for people on a Plan 2 Student Loan. With the Government freezing the repayment threshold he explains if you should overpay now (spoiler: for some yes, many no). The pod features Martin speaking to Victoria Derbyshire about UK Chancellor Rachel Reeves's decision to freeze the student debt repayment threshold for three years and the experience of graduates paying interest on a Plan 2 student loan.You can get in touch with the team by emailing martinlewispodcast@bbc.co.uk – make sure to send in your burning questions and any successes you've had following Martin's advice!
Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3423: Jackie Beck explains why emotions, not logic, are the key to successfully paying off debt. By focusing on the smallest balances or the debts that weigh heaviest emotionally, you're more likely to build momentum and stay motivated, leading to long-term behavioral change and financial freedom. Read along with the original article(s) here: https://www.jackiebeck.com/what-debt-to-pay-off-first/ Quotes to ponder: "Put your debts in order from smallest to largest and get rid of the first one as fast as you can." "Logic wasn't a factor in getting into debt, and it's not going to be the biggest factor in getting out." "Remember, a huge part of how to get out of debt is changing your behavior for good." Learn more about your ad choices. Visit megaphone.fm/adchoices
Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3423: Jackie Beck explains why emotions, not logic, are the key to successfully paying off debt. By focusing on the smallest balances or the debts that weigh heaviest emotionally, you're more likely to build momentum and stay motivated, leading to long-term behavioral change and financial freedom. Read along with the original article(s) here: https://www.jackiebeck.com/what-debt-to-pay-off-first/ Quotes to ponder: "Put your debts in order from smallest to largest and get rid of the first one as fast as you can." "Logic wasn't a factor in getting into debt, and it's not going to be the biggest factor in getting out." "Remember, a huge part of how to get out of debt is changing your behavior for good." Learn more about your ad choices. Visit megaphone.fm/adchoices
Guest: Steve Yates. China expects repayment for its loans to Venezuela, but the U.S. "Monroe Doctrine 2.0" aims to cut adversaries out of the hemisphere. By blocking oil shipments, the U.S. leverages economic power to disrupt China'ssupply chains, potentially forcing Beijing to rethink its global energy strategy.1932 Shanghai
In what ways can you give this year?Text me at 972-426-2640 so we can stay connected!Support me on Patreon!Twitter: @elliottspeaksInstagram: @elliottspeaks Text me at 972-426-2640 so we can stay connected!Support me on Patreon!Twitter: @elliottspeaksInstagram: @elliottspeaks
Jason Solomon is the Vice President of Partnership Development at Fora Financial, where he leads strategic channel relationships and builds partnerships that support the company's mission to provide working capital solutions for underserved small businesses. With over 15 years of experience in sales, business development, and financial services, Jason brings deep industry insight and a proven track record of driving growth through collaborative partnerships. At Fora Financial, which has generated 5B in funding, he focuses on expanding the company's ecosystem of partners to better serve small and medium-sized enterprises. Jason holds an MBA from Northeastern University and a bachelor's degree in business from Miami University. During the show we discuss: An overview of Fora Financial's financing products, including revenue advances and lines of credit How much capital businesses can access and how quickly funding can be received after approval The application and underwriting process, including documentation and credit considerations Repayment structures, cash-flow-based flexibility, and early payoff options Transparency around rates, terms, fees, and total cost of financing Eligibility requirements, supported industries, and key approval factors How Fora Financial compares to traditional banks and SBA loan programs Resources: https://www.forafinancial.com/
After you listenFollow Kathy and Liz Ann on social media:Kathy Jones on X and LinkedIn.Liz Ann Sonders on X and LinkedIn.What should investors expect from the U.S. economy next year? What will happen in the equities markets and fixed income markets? On this 2026 Market Outlook episode, Liz Ann Sonders, Schwab's chief investment strategist, speaks with Kevin Gordon, head of macro research. Liz Ann and Kevin discuss their perspective on the direction of the U.S. economy and stock market. She and Kevin cover the K-shaped recovery, inflation trends, the impact of AI on capital expenditure, and the implications of fiscal stimulus on federal debt.Then, Liz Ann Sonders discusses the equities outlook for 2026, focusing on consumer confidence, the impact of the presidential election cycle, and the potential for volatility. Finally, Kathy Jones is joined by Cooper Howard and Collin Martin for the outlook on municipal bonds, corporate bonds, U.S. Treasuries, and the overall fixed income markets.You can read all of Schwab's 2026 Market Outlook reports on our website:Read Cooper Howard's 2026 Municipal Bond Outlook.Read Collin Martin's 2026 Corporate Credit Outlook.Read Kathy Jones's 2026 Treasury Bonds and Fixed Income Outlook.Read Liz Ann Sonders and Kevin Gordon's 2026 Stocks & Economic Outlook.Read Michelle Gibley's 2026 International Stocks & Economy Outlook.On Investing is an original podcast from Charles Schwab.If you enjoy the show, please leave a rating or review on Apple Podcasts.Important DisclosuresThis material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned are not suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.Past performance is no guarantee of future results.Investing involves risk, including loss of principal. Performance may be affected by risks associated with non-diversification, including investments in specific countries or sectors. Additional risks may also include, but are not limited to, investments in foreign securities, especially emerging markets, real estate investment trusts (REITs), fixed income, municipal securities including state specific municipal securities, small capitalization securities and commodities. Each individual investor should consider these risks carefully before investing in a particular security or strategy.Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors. Lower rated securities are subject to greater credit risk, default risk, and liquidity risk.All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security.The policy analysis provided by Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.Preferred securities are a type of hybrid investment that share characteristics of both stock and bonds. They are often callable, meaning the issuing company may redeem the security at a certain price after a certain date. Such call features, and the timing of a call, may affect the security's yield. Preferred securities generally have lower credit ratings and a lower claim to assets than the issuer's individual bonds. Like bonds, prices of preferred securities tend to move inversely with interest rates, so their prices may fall during periods of rising interest rates. Investment value will fluctuate, and preferred securities, when sold before maturity, may be worth more or less than original cost. Preferred securities are subject to various other risks including changes in interest rates and credit quality, default risks, market valuations, liquidity, prepayments, early redemption, deferral risk, corporate events, tax ramifications, and other factors.Tax-exempt bonds are not necessarily a suitable investment for all persons. Information related to a security's tax-exempt status (federal and in-state) is obtained from third parties, and Schwab Center for Financial Research does not guarantee its accuracy. Tax-exempt income may be subject to the Alternative Minimum Tax (AMT). Capital appreciation from bond funds and discounted bonds may be subject to state or local taxes. Capital gains are not exempt from federal income tax.Treasury Inflation Protected Securities (TIPS) are inflation-linked securities issued by the US Government whose principal value is adjusted periodically in accordance with the rise and fall in the inflation rate. Thus, the dividend amount payable is also impacted by variations in the inflation rate, as it is based upon the principal value of the bond. It may fluctuate up or down. Repayment at maturity is guaranteed by the US Government and may be adjusted for inflation to become the greater of the original face amount at issuance or that face amount plus an adjustment for inflation. Treasury Inflation-Protected Securities are guaranteed by the US Government, but inflation-protected bond funds do not provide such a guaranteeThere are risks associated with investing in dividend paying stocks, including but not limited to the risk that stocks may reduce or stop paying dividends.Bank loans typically have below investment-grade credit ratings and may be subject to more credit risk, including the risk of nonpayment of principal or interest. Most bank loans have floating coupon rates that are tied to short-term reference rates like the Secured Overnight Financing Rate (SOFR), so substantial increases in interest rates may make it more difficult for issuers to service their debt and cause an increase in loan defaults. A rise in short-term references rates typically result in higher income payments for investors, however. Bank loans are typically secured by collateral posted by the issuer, or guarantees of its affiliates, the value of which may decline and be insufficient to cover repayment of the loan. Many loans are relatively illiquid or are subject to restrictions on resales, have delayed settlement periods, and may be difficult to value. Bank loans are also subject to maturity extension risk and prepayment risk.Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see schwab.com/indexdefinitions.Forecasts contained herein are for illustrative purposes only, may be based upon proprietary research and are developed through analysis of historical public data.BLOOMBERG® is a trademark and service mark of Bloomberg Finance L.P. and its affiliates (collectively "Bloomberg"). Bloomberg or Bloomberg's licensors own all proprietary rights in the Bloomberg Indices. Neither Bloomberg nor Bloomberg's licensors approves or endorses this material or guarantees the accuracy or completeness of any information herein, or makes any warranty, express or implied, as to the results to be obtained therefrom and, to the maximum extent allowed by law, neither shall have any liability or responsibility for injury or damages arising in connection therewith.Diversification strategies do not ensure a profit and do not protect against losses in declining markets.1225-LJD8 Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
What should investors expect from the U.S. economy next year? What will happen in the equities markets and fixed income markets? On this 2026 Market Outlook episode, Liz Ann Sonders, Schwab's chief investment strategist, speaks with Kevin Gordon, head of macro research. Liz Ann and Kevin discuss their perspective on the direction of the U.S. economy and stock market. She and Kevin cover the K-shaped recovery, inflation trends, the impact of AI on capital expenditure, and the implications of fiscal stimulus on federal debt.Then, Liz Ann Sonders discusses the equities outlook for 2026, focusing on consumer confidence, the impact of the presidential election cycle, and the potential for volatility. Finally, Kathy Jones is joined by Cooper Howard and Collin Martin for the outlook on municipal bonds, corporate bonds, U.S. Treasuries, and the overall fixed income markets.You can read all of Schwab's 2026 Market Outlook reports on our website:Read Cooper Howard's 2026 Municipal Bond Outlook.Read Collin Martin's 2026 Corporate Credit Outlook.Read Kathy Jones's 2026 Treasury Bonds and Fixed Income Outlook.Read Liz Ann Sonders and Kevin Gordon's 2026 Stocks & Economic Outlook.Read Michelle Gibley's 2026 International Stocks & Economy Outlook.On Investing is an original podcast from Charles Schwab.If you enjoy the show, please leave a rating or review on Apple Podcasts.Important Disclosures This material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned are not suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.Past performance is no guarantee of future results.Investing involves risk, including loss of principal. Performance may be affected by risks associated with non-diversification, including investments in specific countries or sectors. Additional risks may also include, but are not limited to, investments in foreign securities, especially emerging markets, real estate investment trusts (REITs), fixed income, municipal securities including state specific municipal securities, small capitalization securities and commodities. Each individual investor should consider these risks carefully before investing in a particular security or strategy.Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors. Lower rated securities are subject to greater credit risk, default risk, and liquidity risk.All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security.The policy analysis provided by Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.Preferred securities are a type of hybrid investment that share characteristics of both stock and bonds. They are often callable, meaning the issuing company may redeem the security at a certain price after a certain date. Such call features, and the timing of a call, may affect the security's yield. Preferred securities generally have lower credit ratings and a lower claim to assets than the issuer's individual bonds. Like bonds, prices of preferred securities tend to move inversely with interest rates, so their prices may fall during periods of rising interest rates. Investment value will fluctuate, and preferred securities, when sold before maturity, may be worth more or less than original cost. Preferred securities are subject to various other risks including changes in interest rates and credit quality, default risks, market valuations, liquidity, prepayments, early redemption, deferral risk, corporate events, tax ramifications, and other factors.Tax-exempt bonds are not necessarily a suitable investment for all persons. Information related to a security's tax-exempt status (federal and in-state) is obtained from third parties, and Schwab Center for Financial Research does not guarantee its accuracy. Tax-exempt income may be subject to the Alternative Minimum Tax (AMT). Capital appreciation from bond funds and discounted bonds may be subject to state or local taxes. Capital gains are not exempt from federal income tax.Treasury Inflation Protected Securities (TIPS) are inflation-linked securities issued by the US Government whose principal value is adjusted periodically in accordance with the rise and fall in the inflation rate. Thus, the dividend amount payable is also impacted by variations in the inflation rate, as it is based upon the principal value of the bond. It may fluctuate up or down. Repayment at maturity is guaranteed by the US Government and may be adjusted for inflation to become the greater of the original face amount at issuance or that face amount plus an adjustment for inflation. Treasury Inflation-Protected Securities are guaranteed by the US Government, but inflation-protected bond funds do not provide such a guaranteeThere are risks associated with investing in dividend paying stocks, including but not limited to the risk that stocks may reduce or stop paying dividends.Bank loans typically have below investment-grade credit ratings and may be subject to more credit risk, including the risk of nonpayment of principal or interest. Most bank loans have floating coupon rates that are tied to short-term reference rates like the Secured Overnight Financing Rate (SOFR), so substantial increases in interest rates may make it more difficult for issuers to service their debt and cause an increase in loan defaults. A rise in short-term references rates typically result in higher income payments for investors, however. Bank loans are typically secured by collateral posted by the issuer, or guarantees of its affiliates, the value of which may decline and be insufficient to cover repayment of the loan. Many loans are relatively illiquid or are subject to restrictions on resales, have delayed settlement periods, and may be difficult to value. Bank loans are also subject to maturity extension risk and prepayment risk.Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see schwab.com/indexdefinitions.Forecasts contained herein are for illustrative purposes only, may be based upon proprietary research and are developed through analysis of historical public data.BLOOMBERG® is a trademark and service mark of Bloomberg Finance L.P. and its affiliates (collectively "Bloomberg"). Bloomberg or Bloomberg's licensors own all proprietary rights in the Bloomberg Indices. Neither Bloomberg nor Bloomberg's licensors approves or endorses this material or guarantees the accuracy or completeness of any information herein, or makes any warranty, express or implied, as to the results to be obtained therefrom and, to the maximum extent allowed by law, neither shall have any liability or responsibility for injury or damages arising in connection therewith.Diversification strategies do not ensure a profit and do not protect against losses in declining markets.(1225-KGJB) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
“Stay-or-pay” agreements — where employees must repay training or bonuses if they leave — are now off-limits in California (with narrow exceptions). Jen explains what counts as a prohibited repayment clause, how this law changes contract drafting, and what to do before January 1.
This week on the Retirement Quick Tips podcast, I'm talking about why most Americans never reach financial independence and become wealthy. Most of you listening to this podcast are boomers and gen Xers. College debt wasn't the crisis back then it was today. In fact, for many of you listening, unless you went to law school, medical school, or got some advanced degree, there's a good chance you graduated college with little to no debt. Unless you've been living under a rock, that's obviously not the case today. Average student loan debt is now $39,075. Repayment usually takes 10-20 years at $500+ per month.
Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3334: Jackie Beck shares a powerful mindset shift that can accelerate your debt repayment: treat everything as negotiable. By questioning every expense and experimenting with voluntary frugality, you'll not only trim costs but also gain freedom and control over your financial life without feeling deprived. Read along with the original article(s) here: https://www.jackiebeck.com/debt-repayment-speed-up/ Quotes to ponder: "Every little bit helps." "When you look for things to change about your lifestyle, start with the idea that literally everything is up for grabs." “Make a list of the things you enjoy or use on a regular basis that you spend money on.” Episode references: The Power of Now: https://www.amazon.com/Power-Now-Guide-Spiritual-Enlightenment/dp/1577314808 Learn more about your ad choices. Visit megaphone.fm/adchoices
Visit our website:https://www.thewealthwarehousepodcast.com/Dave and Paul open the vault on how they actually put cash value to work. Join other Infinite Banking practitioners as they discuss how they look for low risk, repeatable opportunities that fit an IBC plan, and why a simple amortized note can create steady cash flow that helps retire policy loans faster. Additionally, Dave, Paul and co. walk through using policy loans with intention, keeping repayments flexible, and sequencing a windfall or savings into premiums without losing liquidity.Becoming Your Own Banker by Nelson Nash:https://infinitebanking.org/product/becoming-your-own-banker/ref/46/Episode Highlights:0:00 - Episode beginning and introduction3:28 - Deal filter: risk, consistency, repayment6:15 - What the “note” is, terms and break-even10:57 - Option 1 recap11:57 - Option 213:38 - Second note15:16 - Third note17:50 - Option 322:59 - Taxes: interest front-loaded on amortization28:34 - $100k example → ~$2,100/mo; start Policy B30:28 - Repayment tactics44:36 - Keep an emergency buffer; $2,500 min to start58:29 - The math most miss1:04:40 - Wrap-up + next stepsABOUT YOUR HOSTS:David Befort and Paul Fugere are the hosts of the Wealth Warehouse Podcast. David is the Founder/CEO of Max Performance Financial. He founded the company with the mission of educating people on the truths about money.David's mission is to show you how you can control your own money, earn guarantees, grow it tax-free, and maintain penalty-free access to it to leverage for opportunities that will provide passive income for the rest of your life.Paul, on the other hand, is an Active Duty U.S. Army officer who graduated from Norwich University in 2002 with a B.A. in History and again in 2012 with a M.A. in Diplomacy and International Terrorism. Paul met his wife Tammy at Norwich.As a family, they enjoy boating, traveling, sports, hunting, automobiles, and are self-proclaimed food people.Visit our website:https://www.thewealthwarehousepodcast.com/Catch up with David and Paul, visit the links below!Website:https://infinitebanking.org/agents/Fugere494https://infinitebanking.org/agents/Befort399LinkedIn:https://www.linkedin.com/in/david-a-befort-jr-09663972/https://www.linkedin.com/in/paul-fugere-762021b0/Email:davidandpaul@theibcguys.com
This week, Liz Ann Sonders and Kathy Jones discuss the implications of the ongoing government shutdown and the impact on key economic indicators and market data. They analyze the current state of the bond and equity markets, the reliance on alternative data sources in the absence of government data, and the upcoming earnings season. Their conversation highlights the bifurcations in market performance, particularly between larger and smaller companies, and the impact of fiscal policy on global bond markets. They also touch on consumer behavior in response to tariffs and the importance of monitoring key economic indicators moving forward.On Investing is an original podcast from Charles Schwab. For more on the show, visit schwab.com/OnInvesting. If you enjoy the show, please leave a rating or review on Apple Podcasts.Important DisclosuresThis material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.Past performance is no guarantee of future results.Investing involves risk, including loss of principal. Performance may be affected by risks associated with non-diversification, including investments in specific countries or sectors. Additional risks may also include, but are not limited to, investments in foreign securities, especially emerging markets, real estate investment trusts (REITs), fixed income, municipal securities including state specific municipal securities, small capitalization securities and commodities. Each individual investor should consider these risks carefully before investing in a particular security or strategy.Treasury Inflation Protected Securities (TIPS) are inflation-linked securities issued by the US Government whose principal value is adjusted periodically in accordance with the rise and fall in the inflation rate. Thus, the dividend amount payable is also impacted by variations in the inflation rate, as it is based upon the principal value of the bond. It may fluctuate up or down. Repayment at maturity is guaranteed by the US Government and may be adjusted for inflation to become the greater of the original face amount at issuance or that face amount plus an adjustment for inflation. Treasury Inflation-Protected Securities are guaranteed by the US Government, but inflation-protected bond funds do not provide such a guarantee.All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security.Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. Forecasts contained herein are for illustrative purposes only, may be based upon proprietary research and are developed through analysis of historical public data.The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.(1025-T88J) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
Financial Freedom for Physicians with Dr. Christopher H. Loo, MD-PhD
✅ Student loan repayments and forgiveness for professional students is changing fast—and the new 2026 rules under the One Big Beautiful Bill Act are set to reshape how repayment works for graduate-level borrowers across the U.S.In this episode, financial expert James Mwombela from Student Loan Planner breaks down what the new law means for law students, pharmacy students, dental students, business school graduates, optometry students, physician assistants, nurses, medical students, chiropractors, and other healthcare professionals navigating student debt.If you're in or entering a graduate or professional program, the elimination of Grad PLUS loans, new federal borrowing caps, and less generous income-driven repayment plans could directly affect your future—and your finances. This episode covers everything you need to know about the coming changes and how to prepare, strategize, and protect your financial future.
Updates available on militarymoneymanual.com/shutdown Air Force Aid Society – Falcon Loans up to $1,500 and Standard Assistance, up to 24 months of repayment. Space Force also eligible. Navy-Marine Corps Relief Society – Quick Assist Loan and Financial Assistance available Army Emergency Relief – Normally assistance available same day but no later than 48 hours. AER will provide rapid, zero-interest loans to help cover financial needs until normal operations and back pay resume. Assistance is available up to the amount of one net paycheck (maximum $6,000), with repayment beginning once pay is restored. If you or someone you know may be affected, please share this information. More information here. Coast Guard Mutual Assistance – Quick Loan program up to $1,000, Shutdown Loan up to 1 month's BAH per month USAA Government Shutdown Program 0% loan, credit check required, up to $6,000 Navy Federal Government Shutdown Assistance, Paycheck Assistance Program 0%, no credit check required, up to $6,000 PenFed Service Credit Union Spencer Reese delivers a timely solo episode addressing the 2025 federal government shutdown and its impact on military families. Recorded on October 8th, just days into the shutdown, this episode provides practical, actionable guidance on navigating the financial challenges of missed paychecks, accessing zero-interest loans from military-friendly banks, and protecting yourself from shutdown-related scams. While the Military Money Manual typically focuses on evergreen content, this episode addresses an urgent situation affecting active duty service members, federal employees, and military contractors. Topics Covered Government Shutdown Basics: Active duty military deemed mission essential, must continue reporting to work October 1st paycheck protected (work performed in September) October 15th paycheck at risk Historical precedent: 2018-2019 Coast Guard missed paychecks for 35 days Backpay is guaranteed by law once shutdown ends Veterans, retirees, VA disability, and Social Security payments protected (separate funding sources) USAA Government Shutdown Assistance Program: https://www.usaa.com/support/government-shutdown-program/ Zero-interest loan: $500-$6,000 based on last direct deposit amount Requirements: Direct deposit established before shutdown, at least one qualifying deposit in 30 days prior, US/military address (APO/FPO/DPO), credit approval required Repayment: 3 months, two equal installments (first payment ~60 days, second ~90 days) Additional relief: Auto/property insurance payment relief Credit cards: 3-month payment extension Consumer loans: 2-month extension with no interest Overdraft fees waived Home equity lines: 3-month payment extension Navy Federal Paycheck Assistance Program: https://www.navyfederal.org/about/government-shutdown.html Zero-interest loan: $250-$6,000 based on last direct deposit Major advantages: No credit check, not reported to credit bureaus Eligibility: Federal employees, active duty service members, federal contractors paid directly by government (broader than USAA) Registration deadline: Day before scheduled payday for funds on normal pay date (can register up to 3 days after, but won't receive funds immediately) Automatic repayment: Once direct deposit resumes, Navy Federal automatically deducts loan amount Backup repayment: If shutdown continues, repayment occurs 6 days after loan receipt Service Credit Union Options: 0% APR for up to 4 months No payments for up to 90 days Up to $5,000 for qualifying members Standard underwriting criteria applies (may require credit check) Military Aid Societies (All Interest-Free): Air Force Aid Society – Falcon Loans up to $1,500 and Standard Assistance, up to 24 months of repayment. Space Force also eligible. Navy-Marine Corps Relief Society – Quick Assist Loan and Financial Assistance available Army Emergency Relief – Normally assistance available same day but no later than 48 hours. AER will provide rapid, zero-interest loans to help cover financial needs until normal operations and back pay resume. Assistance is available up to the amount of one net paycheck (maximum $6,000), with repayment beginning once pay is restored. If you or someone you know may be affected, please share this information. More information here. Coast Guard Mutual Assistance – Quick Loan program up to $1,000, Shutdown Loan up to 1 month's BAH per month Historical Context: 2011: Near shutdown (averted) 2013: 16-day shutdown 2018: 3-day shutdown 2018-2019: 35-day shutdown (Coast Guard NOT paid) Bipartisan political theater regardless of which party controls Congress Military pay typically protected by last-minute "Pay Our Troops Act" Immediate Action Steps Reduce non-essential expenses - No big purchases or travel bookings Contact lenders - Request payment deferrals on mortgage, car, rent, student loans, credit cards Apply for 0% loans - Through USAA, Navy Federal, or Service Credit Union if needed Reach out to aid societies - Before considering any payday loans, auto title loans, or carrying credit card debt Watch for scams - Only use verified websites (USAA.com, NavyFederal.org), hang up and call back on suspicious calls Long-Term Action Steps Build an emergency fund - Minimum $1,000, ideally $10,000+ Switch to military-friendly bank - If current bank doesn't offer shutdown assistance Break paycheck-to-paycheck cycle - If missing one paycheck derails your finances, you have a financial emergency Turn off the news - Constant updates increase anxiety without adding value Focus on what you can control - Maintain internal locus of control Critical Security Warnings Scam Prevention: Only access programs through official websites: USAA.com and NavyFederal.org DO NOT use payday lenders or auto title loan companies DO NOT go through intermediaries If you receive a phone call claiming to be from Navy Federal or USAA, hang up and call back using verified number from app or official website Verify all communications independently Key Takeaways Don't panic - This has happened before and will likely happen again You will be backpaid - Military pay typically protected; backpay is guaranteed by law Assistance is available - Multiple 0% loan options and interest-free aid society loans Use this as motivation - Build financial resilience and emergency funds Emergency funds are essential - Perfect example of why military members need cash reserves Related Episodes Episode 95: Previous government shutdown episode (check for still-relevant information) Resources & Links Military-Friendly Banks: USAA.com - Government shutdown assistance NavyFederal.org - Paycheck assistance program Service Credit Union - Shutdown loan program Military Aid Societies (Interest-Free Loans): Air Force Aid Society - Covers Air Force and Space Force Navy Marine Corps Relief Society - Quick assist loans Army Emergency Relief - Same-day to 48-hour assistance Coast Guard Mutual Assistance - Quick loan program Apply for Assistance: Register with Navy Federal by day before payday for funds on schedule USAA requires credit approval (new requirement) Aid societies offer interest-free alternatives to commercial loans Who This Episode Is For Active duty military facing potential missed paychecks Federal employees impacted by shutdown Federal contractors paid directly by government Military spouses managing finances during shutdown Anyone needing immediate financial assistance during government disruptions Contact Information Host: Spencer Reese Connect: Website: MilitaryMoneyManual.com Instagram: @MilitaryMoneyManual Share this episode with others in your unit or squadron so they know the steps to take during a government shutdown. Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 20,000 military servicemembers and military spouses have graduated from the 100% free course available at militarymoneymanual.com/umc3 In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, including waived annual fees, on elite cards like the American Express Platinum Card® and the Chase Sapphire Reserve® Card. https://militarymoneymanual.com/amex-platinum-military/ https://militarymoneymanual.com/chase-sapphire-reserve-military/ Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3 If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. Want to be confident with your TSP investing? Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE! If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.
Your Law Firm Loan Repayment is Not an Expense
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