Podcasts about retire

85 Years Old and Still Preaching: Why Al Baird Refuses to Retire What keeps a Christian faithful, fruitful, and full of vision at 85 years old? In this inspiring episode, Rob sits down with Dr. Al Baird, longtime church leader, teacher, and disciple-maker, who is still actively preaching and helping churches grow decades into his Christian journey. After losing his wife Gloria following 56 years of marriage, Al faced the challenge of finding purpose in a new season of life. Rather than slowing down, he accepted an opportunity to help revitalize the church in Bakersfield, California—a congregation that had lost momentum, vision, and hope. In this conversation, Al shares: • Why every Christian needs a dream • How he navigated life after losing Gloria • The opportunity he saw in Bakersfield • What happens when churches lose vision • Why retirement can be one of the most powerful seasons of ministry • How contribution and participation began growing again • Lessons learned from decades of ministry • The incredible example of George and Irene Gurganus • Why Christians should never retire spiritually • Practical advice for staying faithful over the long haul This conversation is filled with wisdom, perspective, and encouragement for Christians of every age. If you've ever wondered how to finish strong, this episode is for you. Connect with Rob:

What if the most valuable financial gift you could give your children or grandchildren isn't money at all? Many families spend significant time thinking about inheritances, college savings plans, and investment accounts. While these tools can create opportunities for future generations, they are only part of the equation. The reality is that financial success is often shaped less by how much money someone receives and more by the habits, values, and behaviors they develop over time. In this episode of Retire in Texas, Darryl Lyons explores the difference between leaving an inheritance and leaving a legacy. Using the introduction of new government-funded investment accounts as a starting point, he explains why financial discipline, work ethic, and healthy money habits remain the true drivers of long-term financial success. Darryl shares practical lessons from his own experience as a parent, along with insights on how families can teach children to navigate money in a world filled with consumerism, emotional spending, and financial distractions. Whether you are raising young children, guiding teenagers, or helping grandchildren prepare for the future, this episode offers a thoughtful framework for building financial wisdom that can last for generations. You'll learn: • Why financial habits often matter more than financial gifts. • How education and inspiration work together to create lasting financial behaviors. • The importance of involving children in real-world money decisions and experiences. • Why different children learn about money in different ways. • How work ethic and responsibility contribute to long-term financial success. • Why emotions can be one of the biggest obstacles to making wise financial decisions. • Practical ways parents and grandparents can leave a lasting financial legacy. If you're a parent, grandparent, or anyone hoping to help the next generation develop a healthy relationship with money, this episode provides practical guidance on teaching financial responsibility, building character, and creating habits that can benefit families for years to come. Benefiting from the show? We'd appreciate it if you left a review on your favorite podcast platform. References: Financial Literacy Education in the United States Trump Accounts: What Are They and Should You Invest? | Financial Advisors | U.S. News Teach Your Teenager About Money (or they will live w/ you forever)

On Episode 3,677, the guys had a lot to discuss with UFC Freedom 250. They covered that and interviewed Dakota Ditcheva.

On the latest episode of The Fighter vs. The Writer, UFC legend Matt Brown and Damon Martin react to everything that went down at the UFC White House card including Justin Gaethje's stunning performance to dethrone Ilia Topuria in the main event. Should Gaethje fight again after that kind of win and where does Topuria go next following a brutal loss? Plus we'll break down what happened between Ciryl Gane and Alex Pereira, grading the overall card and is it time to have that difficult conversation with Michael Chandler about calling it a career? All this and more on the latest episode of The Fighter vs. The Writer! Subscribe to MMA Fighting Check out our full video catalog Like MMA Fighting on Facebook Follow on Twitter Learn more about your ad choices. Visit podcastchoices.com/adchoices

On this episode of Coastal Idiots, comedian and new dad Derrick Stroup attempts the impossible: teaching Shane and Katherine basic life skills. They debate Mountain Dew culture, relive legendary comedy stories involving Jon Lovitz, Post Malone and Frank Sinatra, discuss the glory days of road comedy with Raising Cane's in Alaska, and discover Derrick's surprisingly heartfelt retirement plan: checking into a Hampton Inn one last time and pretending there's a second show. Things spiral quickly when Derrick is forced to demonstrate how to change a diaper on a deeply unsettling baby doll. ++++++++++++++++++++++++++ Coastal Idiots is a weekly comedy podcast where each week your host Shane and Katherine are joined by a friend or two where they do something very stupid and hilarious. Follow Katherine and Shane so they have a reason to keep going. The show is produced by the marvelous Keida Mascaro. Some of the art on the walls by the great Perry Shall. Music by Gymshorts and Alex Orange Drink. Your favorite idiots are now available wherever you listen to podcasts! Stream video on Spotify or Youtube, to drink in every detail of Katherine Blanford & Shane Torres' shenanigans and insane sketches. Listen to audio on all podcast platforms. Welcome to the ATC family! Let's get weird. Let's get Coastal. Don't forget to call our Coastal Idiots hotline and leave a message, we might just publish it! Coastal Idiots Hotline: (510) 974-3349 More Derrick! IG: https://www.instagram.com/Derrick_yells/ More Coastal Idiots! IG: https://www.instagram.com/coastalidiots/ More Katherine! IG⁠: https://www.instagram.com/itskatherineblanford/ More Shane! IG: https://www.instagram.com/shanetorres/ ++++++++++++++++++++++++++++ Produced by Keida Mascaro ⁠⁠⁠⁠⁠IG: https://www.instagram.com/keidamascaro/ The Cave Podcast Studio https://keidamascaro.com/the-cave Presented by: All Things Comedy IG: https://www.instagram.com/allthingscomedy/ Theme Song by GYMSHORTS IG: https://www.instagram.com/gymshortsmusic/ Logo & Artwork by Perry Shall IG: ⁠⁠⁠⁠⁠https://www.instagram.com/perryshall/ Learn more about your ad choices. Visit podcastchoices.com/adchoices

On the latest episode of The Fighter vs. The Writer, UFC legend Matt Brown and Damon Martin react to everything that went down at the UFC White House card including Justin Gaethje's stunning performance to dethrone Ilia Topuria in the main event. Should Gaethje fight again after that kind of win and where does Topuria go next following a brutal loss? Plus we'll break down what happened between Ciryl Gane and Alex Pereira, grading the overall card and is it time to have that difficult conversation with Michael Chandler about calling it a career? All this and more on the latest episode of The Fighter vs. The Writer! Subscribe to MMA Fighting Check out our full video catalog Like MMA Fighting on Facebook Follow on Twitter Learn more about your ad choices. Visit podcastchoices.com/adchoices

In this podcast we discuss the planning process that should be involved in orchestrating a long-term retirement income strategy. Accumulating money for retirement is important; but just as important is the withdrawal strategy throughout your retirement years. 

Don takes listeners on a journey through nearly four decades of investment advice, explaining how his thinking evolved from recommending active mutual funds in the 1980s to embracing index funds, factor investing, and eventually ETFs. Along the way, he and Tom discuss Vanguard's rise, Don's early relationship with Paul Merriman, the emergence of Dimensional Fund Advisors and Avantis, and why their recommendations have changed over time. They also address listener skepticism about fund recommendations, compare Avantis and Vanguard products, answer a tax-efficient portfolio rebalancing question from a retired couple, and debunk a marketing pitch for “layered income portfolios.”0:08 Don shares the story of his early days giving investment advice from Leadville, Colorado2:56 The active management era and why great fund managers were once considered essential3:52 Vanguard's early growth and the gradual acceptance of index investing5:38 Don discusses Vanguard sponsoring his radio show and maintaining disclosure transparency6:55 Paul Merriman introduces factor investing and Fama-French research9:10 Early Dimensional Fund Advisors portfolios and advisor-only access10:56 The rise of ETFs, Dimensional's hesitation, and Avantis' origins11:23 The 2010 ETF flash crash and why Tom and Don were initially cautious13:29 Why factor investing remains compelling despite uncertain future returns14:20 Addressing listener skepticism about Avantis recommendations16:07 Comparing AVUV and Vanguard VBR small-cap value funds17:44 Comparing AVGE and Vanguard VT global equity funds19:15 Clarifying compensation, conflicts of interest, and transparency21:27 Listener Anton asks about tax-efficient portfolio rebalancing in retirement26:03 Why holding bonds inside IRAs can improve tax efficiency27:23 Discussion of Roth conversion strategies and tax considerations30:20 Listener asks about “Layered Income Portfolios”31:05 Why income portfolio marketing pitches are often more sales than substanceQuestions? Comments? Click!

Welcome back to Retirement Quick Tips. I'm your host, Ashley Micciche, and today's episode is a little different. There's no retirement topic, unless you consider my summer sabbatical a lesson in mini-retirements.  Instead, here's a quick update on what's happening with the podcast this summer. As many of you loyal listeners know, I am pregnant with my 5th child. Hard to believe myself, as I never grew up around a lot of other kids or siblings. I didn't babysit much, and I wasn't even sure I wanted to have kids until my husband and I decided we wanted to grow our family a couple years into our marriage. Since then we've been open to adding more children, and the good Lord has blessed us abundantly with now 5 children. And that 5th baby is coming very, very soon. My due date is June 11th, so by the time you listen to this episode, it's likely she's already arrived.  Which means that this summer, I'll be taking a break from recording new episodes for the podcast. New episodes are going to be on pause for a bit, and I'll be back in September with fresh content. September. Now, I know what you might be thinking. "Ashley, what am I supposed to do without my Retirement Quick Tips fix all summer?" Fear not! Here's what I want you to do. Head over to YouTube and subscribe to my channel. It's called Retire with Ashley, and I'm still going to be posting videos over there from time to time throughout the summer. So that's where you'll want to be if you want to stay connected and keep the retirement tips coming your way. You can search "Retire with Ashley" on YouTube and you'll find it. Subscribe, turn on the notifications, and you won't miss a thing. Lastly, thank you so much for listening. Whether you've been here since episode one or you just found this podcast last week, I'm so grateful for all of you who tune in, share the show, and send me your questions and feedback. It means a lot and I can't wait to be back with you again in September. Until then, take care & enjoy your summer. My name is Ashley Micciche and this is the Retirement Quick Tips Podcast

What if “retirement” for founders isn't about stopping work, but finally getting relief? The conversation unpacks why builders rarely stop building: founders are wired to create, not to consume, and the fantasy of beach life usually shows up at a low-energy point when what's really needed is recovery. They compare founder burnout to wanting the finish line without running the race, and note how exits often lead from “margaritas” to “domain names” within months because the calling returns once the nervous system resets. The key reframe: separate a recovery plan from a retirement plan, and define “retirement” as creating on your own terms—less panic, fewer hated parts (like investor pressure or endless hours), more control, and a sustainable way to keep doing the work you love.What to listen for:00:49 Builder DNA and Relief00:57 Carpenter Story and Pain03:06 Four Minute Founder Brain04:31 Broken Retirement Dream05:13 Reload and Retire Again06:31 Beach Metaphor Explained09:58 Athletes vs Founder Longevity12:00 Vacation Checklist Trap15:35 No Substitute for Mission17:29 Finish Line Fantasy18:45 Recovery Not Retirement20:35 Builders Need Purpose25:14 Retired But Uncharged27:00 Creation Over Consumption30:16 Retirement On Your Terms32:26 Design Better CircuitsResources:Startup Therapy Podcasthttps://www.startups.com/community/startup-therapyWebsitehttps://www.startups.com/beginLinkedInhttps://www.linkedin.com/company/startups-co/Join our Network of Top FoundersWil Schroterhttps://www.linkedin.com/in/wilschroter/Ryan Rutanhttps://www.linkedin.com/in/ryan-rutan/

In this episode, Monika examines two important developments that shaped the economic conversation over the past week: the Reserve Bank of India's decision to keep the repo rate unchanged at 5.25%, and India's strong FY26 GDP growth of 7.7%, with the fourth quarter growing at 7.8%. She explains how the RBI's inflation-targeting framework and relatively low inflation of 3.1% have given policymakers valuable room to maintain rates despite the inflationary pressures created by the West Asia conflict and elevated crude oil prices. Revisiting the basics of the repo rate and its role in controlling inflation and credit costs, she argues that prudence always appears boring during good times but proves invaluable when crises emerge. The lesson, she says, applies equally to nations and to individuals managing their own money.She then turns to the growth story and why India's economic momentum remains intact despite rising global uncertainties. Looking at broad-based indicators including agriculture, steel, cement and commercial vehicle demand, Monika highlights that FY26 was a remarkably strong year and that India entered the current period of geopolitical turmoil from a position of strength. While the RBI's projection of 6.6% growth for FY27 reflects caution amid higher oil prices and global fragility, she argues that India's growth has merely been “shaved, not sunk.” Had the current conflict not erupted, the country was positioned to exceed 8% growth. She reminds listeners that the government and the RBI still possess several policy tools to support the economy, from attracting foreign capital to deploying monetary and fiscal measures. Her message remains consistent with previous episodes: prepare for a slowdown, but reject the merchants of doom. India may face turbulence, but it is far from crisis.In listener questions, Srinivas asks whether LIC annuity products deserve a place in retirement planning, prompting Monika to examine the broader case for and against annuities, discussing guaranteed lifelong income, simplicity and protection from market volatility, while also highlighting their low returns, inflation risk and tax disadvantages compared with alternatives like debt funds and systematic withdrawals; Bhavesh, an NRI with a carefully constructed 50:50 portfolio, seeks guidance on how to rebalance during market corrections and transition debt allocations as retirement approaches, leading to a detailed discussion on the hierarchy of redeeming maturing fixed deposits, arbitrage funds and debt funds while preserving long-duration gilt investments; and Rachana from Coorg shares her concerns about retiring early with a ₹1.25 crore corpus and no pension, opening up a conversation about longevity risk, healthcare costs, protecting capital, and the importance of continuing to earn for as long as possible in order to strengthen financial independence in later life.Chapters:(00:00 – 00:00) Why India's Growth Story Is Shaved but Not Sunk(00:00 – 00:00) RBI Holds Rates Steady as Inflation Stays Under Control(00:00 – 00:00) The Pros and Cons of Annuities for Retirement Income(00:00 – 00:00) Rebalancing a Portfolio: Which Debt Investments Should Go First?(00:00 – 00:00) Is ₹1.25 Crore Enough to Retire at 45 Without a Pension?https://www.pib.gov.in/PressReleasePage.aspx?PRID=2269286®=48&lang=2https://rbidocs.rbi.org.in/rdocs/PressRelease/PDFs/PR3855508EB4A59FF46F9B57BBA200AA250B8.PDFIf you have financial questions that you'd like answers for, please email us at ⁠mailme@monikahalan.com⁠

In this episode, I sit back down with Cody Berman, entrepreneur, real estate investor, and author of the book Retire by 30. Cody first came on the podcast in 2018 at 22 years old. By 25, he had reached financial independence through scalable online businesses, strategic real estate, and intentional spending. He quit a corporate banking job after seven months, tried over 30 side hustles, and grew his income from $96K to over $400K in three years, all while keeping expenses under $24,000 annually. His new book lays out a menu of approaches for reaching financial freedom, not a one-size-fits-all formula, but a roadmap built around your own values, income, and life stage. In this episode, Cody shares: Why defining your values and aligning them with your spending is the foundation of a truly free life His four-bucket framework for thinking about side hustles and which type created the most wealth The exact income, savings, and investment numbers that got him to financial independence at 25 How he and his wife kept lifestyle creep in check while still traveling and enjoying life What's New in the Paperback Edition of Your Journey to Financial Freedom: A bonus chapter: When Life Happens: Staying on the Path to Financial Freedom Through Setbacks, Shifts, and Uncertainty A book club and discussion guide with prompts, exercises, and action steps Updated corrections from the original hardcover Exclusive bonuses when you purchase the paperback, including: The Fire Starter Course The Find Your FIRE Number Worksheet Other related blog posts/links mentioned in this episode: Check out Cody's book: Retire by 30 Read the The 4-Hour Workweek by Tim Ferriss Check out the FIRE Calc Get your paperback edition of Your Journey To Financial Freedom if you haven't already. Apply to Share Your Journeyer Story, here. Join the Journey to Launch Book Club to dive deeper into financial freedom with guided discussions and resources here! Join The Weekly Newsletter List to get updates, deals & more! Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here. Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link. What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here! Connect with Cody: Website: Codydberman.com Instagram: @CodyDBerman Facebook: @CodyBermanPage Twitter: @CodyDBerman Connect with me: Instagram: @Journeytolaunch Twitter: @JourneyToLaunch Facebook: @Journey To Launch Join the Private Facebook Group Join the Waitlist for My FI Course Get The Free Jumpstart Guide

Most high earners follow the traditional path, but true financial freedom comes from earning, saving, and strategically leveraging money. In this episode of Sharkpreneur, Seth Greene interviews Ryan D. Lee, Founder of Wealth Outside Wall Street, who shares his journey from a six-figure corporate career to building a system for financial freedom. He also explains the three engines of wealth: earning, protecting, and generating passive income. He discusses the difference between investing and speculating, using the tax code strategically, and building a pathway to financial independence. Key Takeaways:→ The three engines of wealth are income, capital, and passive assets. → Making money is only one part; keeping money is equally critical. → Passive income converts saved capital into sustainable cash flow. → Speculating is risky; investing prioritizes safety and predictable returns.→ Success is measured by income-generating assets, not just net worth or ROI. Ryan D. Lee's journey to financial freedom began with frustration and loss. A six-figure salary and a maxed-out 401(k) weren't enough to shield him from the devastating effects of the 2008 financial crisis. Determined to find a better path, Ryan discovered a powerful combination of real estate and high-cash-value life insurance—now known as the Passive Income Machine. Today, Ryan is a trusted mentor and speaker who has helped thousands achieve financial independence. As the co-founder of Wealth Outside Wall Street, he's on a mission to teach individuals how to build cash-flowing assets, break free from conventional financial systems, and live a life of purpose and freedom. Connect With Ryan:Website: https://wealthoutsidewallstreet.com/ Instagram: https://www.instagram.com/theryandlee/ TikTok: https://www.tiktok.com/@ryan_d_lee Facebook: https://www.facebook.com/wealthoutsidewallstreet/ LinkedIn: https://www.linkedin.com/in/ryan-d-lee-31838b304/ YouTube: https://www.youtube.com/@WealthOutsideWallStreet

What really drives successful investing over the long term? Many investors focus on stock tips, market headlines, or the latest trend, assuming that wealth is built by finding the next big winner. But what if the real key to investing is understanding the different disciplines working behind the scenes in a professionally managed portfolio? In this episode of Retire in Texas, Darryl Lyons breaks down three essential approaches that influence how investments are selected and managed: technical analysis, fundamental analysis, and valuation analysis. He explains how each discipline serves a different purpose, why no single approach is perfect on its own, and how professional investment managers often combine all three to make informed decisions. Drawing from personal experiences, market observations, and current trends surrounding artificial intelligence, Darryl provides a practical look at how investment professionals evaluate opportunities in today's rapidly evolving economy. He also discusses why outsourcing these complex disciplines to experienced managers can help investors stay focused on their long-term financial goals. You'll learn: • What technical analysis is and how market trends can influence investment decisions. • How fundamental analysis evaluates a company's financial health and long-term potential. • Why valuation matters and how investors determine whether a stock is reasonably priced. • The strengths and limitations of each investment discipline. • How mutual funds and ETFs often combine multiple investment approaches. • Why artificial intelligence is currently playing a major role in shaping market trends. • How investors can benefit from understanding these concepts without becoming experts themselves. Whether you're new to investing, working with a financial advisor, or simply curious about how professional portfolios are managed, this episode provides a helpful framework for understanding the key disciplines that drive investment decisions. Benefiting from the show? We'd appreciate it if you left a review on your favorite podcast platform.

Ashley gives us details into the recent news regarding the retirement of Tampa's Chief of Police and all of the top trending news stories in and around Tampa Bay! See omnystudio.com/listener for privacy information.

I'm 50 With $150K Saved. When Can I Retire?Is $150,000 enough to retire? If you're 50 years old and have $150K saved for retirement, you may be wondering whether you're on track, behind, or closer than you think.**Schedule your free virtual consultation

I am 56 and have a very stressful job that is having negative impacts on my mental and physical health. Can I retire early or reset to a less stressful job?Have a money question? Email us ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money LIVE⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Twitter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠"Jill on Money" theme music is by Joel Goodman, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.joelgoodman.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

The Jim Rome Show HR 3 - 6/9/26 SI Senior Writer and MLB ON FOX Analyst Tom Verducci joins the show. Then, the Cleveland Browns say good bye to Joel Bitonio, who won nothing during his 12-year career. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Anne Del Core has the spark! Her enthusiasm for change and reinvention post-career is captivating.  Anne had a cool career in television. She started on the talent side of TV buy quickly realized the biz side was more lucrative. (Her first transition.) She ended up falling in love with that whole side of TV. Her last position was as the General Sales Manager at WKRT-TV in Norfolk, VA as part of a larger network owned by the New York Times. Then she made another transition to put her big career on hold to raise three children. The family moved around the US a lot for her husband's job as a radio executive. And now she pivoted again (and surprised herself) by becoming an artist. Just four years ago, she was introduced to the world of glass art. She absolutely loves it and specializes in creating beautiful mosaics. This is isn't a hobby. She now has a thriving business of selling awarding-winning art pieces, opening her own solo show and donating art to raise money for nonprofits. What makes the interview truly special is that Carl and Anne met for the interview live, at the Landau Tiki Bar. It's a super fun, free- spirited conversation that will inspire anyone who is interested in how to take a leap of faith and try something completely new and different. And then just totally going for it! More about Anne C. Del Core: https://www.storyglassmosaics.com/artist More about Anne's business Storyglass Mosaics: https://www.storyglassmosaics.com Episode Content: https://pickleballmediahq.com/blog/anne-del-core-interview-tv-exec-turns-professional-artist Sponsored by How to Retire and Not Die Video Series: https://howtoretireandnotdie.com Sponsored by Capital Advantage: https://capitaladvantage.com/promotion/retirement-planning-guide Subscribe to the the I Used to be Somebody Newsletter: https://pickleballmediahq.com/contact/subscribe 

Executive Summary In part two of the Prosperity Podcast's retirement series, Kim Butler and Spencer Shaw move beyond the numbers and into the human dimension of stopping work. Kim opens with a deceptively simple question: what does a full day of doing nothing actually feel like? Her answer, drawn from personal experience, sets the philosophical tone for everything that follows. We were put on this earth to serve, she argues, and when we stop serving, we stop progressing. Progress, she notes, quoting a late 1800s thinker, is the law of God. The conversation then turns to the practical mechanics of the retirement decision, starting with Social Security. Kim's guidance is direct: delay as long as possible, ideally to 72. The reason is mathematical. The crossover point, the age at which you collect more in total by waiting, falls between 14 and 18 years after the date you begin taking benefits. For most people who expect to live into their 80s and beyond, the math favors waiting. She also introduces Dr. Katy Votava as the go-to expert on Medicare, with a firm warning: decisions around Medicare enrollment carry deadlines that are irreversible. Missing the window means permanently losing the opportunity. The episode closes with one of its sharpest claims: the retirement age of 65 was proposed in 1930. Adjusted for today's life expectancy, it would be 87. Kim walks through the arithmetic. If a person earns from 27 to 87, that is 50 years of income on 10 to 15 percent savings. If they then live to 121, that is 40 years of spending with no new income. The numbers do not work. Dan Sullivan, at age 82, is cited as the counterexample: still producing some of his most impactful work, with a stated goal of reaching 156, simply because he thinks about the future differently. Links & Resources Mentioned For resources and additional information of this episode go toEmpower Your Finances With Our Prosperity Podcast Empowering Parents, Nurturing Futures - Prosperity Parents Kim D. H. Butler Keywords retirement age 87, Social Security delay strategy, when to take Social Security, Medicare enrollment deadlines, Katy Votava Medicare, longevity retirement planning, prosperity thinkers, financial freedom, Dan Sullivan longevity, age 121 actuarial tables, retirement math, working longer benefits, retirement and purpose, financial education, service and retirement, prosperity economics, retirement planning 2026, work in retirement, agency and responsibility, progress is the law of God Episode Highlights [00:00:00 - 00:01:08] Spencer frames part two and Kim makes the case that doing nothing feels yucky, not freeing. [00:01:08 - 00:04:10] Kim on drawing a hard line against wallowing and the quote: 'Progress is the law of God.' [00:04:10 - 00:07:53] Kim introduces the concept of agency from Dan Sullivan and explains why serving others improves your own state. [00:07:53 - 00:09:29] Social Security: Kim's firm recommendation to delay as long as possible, ideally to 72. [00:09:29 - 00:10:42] Kim explains the 14-to-18-year crossover point and why income taxes on Social Security should not drive the decision. [00:10:42 - 00:12:31] Kim introduces Dr. Katy Votava for Medicare guidance and warns about irreversible enrollment deadlines. [00:12:31 - 00:13:41] Actuarial tables updated: life insurance illustrations now go to age 121, up from 100. [00:13:41 - 00:14:56] Kim makes the case for working until the mid-80s. The retirement age of 65 from 1930 would be 87 today. [00:14:56 - 00:16:06] The math: 50 years earning, 40 years spending, 10-15% savings. 'Just not mathematically possible.' [00:16:06 - 00:19:30] Dan Sullivan at 82, goal age 156, and why that mindset produces better outcomes regardless of outcome. [00:19:30 - 00:20:46] Spencer previews part three on portfolio allocations and issues the CTA for Medicare help.  

Charlie Marlow Talks:Denny Hamlin, he can't retireC-Bell's crashCorey Heim vs Kaden HoneycuttCleetus McFarlandIndyCar in St. LouisBrought to you by Triad Bank & Getaway Carts!

Variable annuities are often promoted as a secure way to generate guaranteed income during retirement, drawing the attention of retirees seeking stability for their nest eggs. But beneath the surface, these products frequently come with complications and costs that can erode your savings and limit your financial flexibility. In this episode, I share the details of the often-overlooked downsides of variable annuities and give you some important insights every investor should consider.   You will want to hear this episode if you are interested in... [03:14] What is a Variable Annuity? [04:27] Understanding Annuity Benefits and Growth [08:41] Lack of fee transparency in annuities [09:45] Variable annuity investment drawbacks [14:59] Avoiding variable annuity pitfalls   What Is a Variable Annuity? A variable annuity is an investment product sold by insurance companies, offering a selection of investment accounts, referred to as sub-accounts, designed to mimic mutual fund performance. The tax-deferred growth inside the annuity is often touted as a major benefit. This tax deferral is redundant for retirement investors who already enjoy similar benefits in IRAs or 401(k)s. Many variable annuities advertise living benefits, such as guaranteed lifetime withdrawals. For instance, a $100,000 investment could guarantee $5,000 per year for life, regardless of the contract's cash value. Some contracts offer guaranteed "growth" of your future income base, but crucially, this is not money you can cash out: it simply determines your withdrawal amount, not your walk-away value. The catch is that these appealing features come at a steep price.   Fee Structures are the Hidden Drain on Returns One of the most significant drawbacks of variable annuities is their high-cost structure. These costs can be organized into three main categories:   Mortality and Expense (M&E) Charges: Annual administrative fees imposed by the insurance company, typically ranging from 1% to 2% per year. Sub-Account Fees: Investment management fees that vary depending on your chosen investments. While some options are slightly less expensive, others can reach up to 2% annually. Rider Fees: If your contract includes a guaranteed income benefit, expect an additional 1%-2% per year for this privilege. Combined, these expenses can easily total 3% to 4% annually, making variable annuities arguably the most expensive retirement investment around.   What You Don't See CAN Hurt You Transparency is another major shortfall in the world of variable annuities. Many investors are not fully aware of the high fees they're paying. While the fees are listed in the prospectus, many advisors fail to highlight them, and statements often obscure these charges. Understanding true costs requires diligent reading of the fine print, and even then, variations in sub-account performance can lead to unexpected results. You may believe you're mirroring mutual fund returns, but annuity sub-accounts are not identical and can significantly underperform. The promise of guaranteed income comes at a heavy cost. For the insurance company's guarantee to pay off, you'd generally need to either live well beyond average life expectancy or experience long-term poor market performance. Since withdrawal rates are limited and fees are high, over the long run, variable annuities may yield less retirement income or reduce the amount left to your heirs.   Look Beyond the Sales Pitch Variable annuities can be marketed to highlight only the positives, but it's important to consider the high fees, lack of transparency, poor risk-return tradeoff, inflexibility, and opportunity costs involved. Before committing your retirement savings, do your homework—or consult a truly fiduciary advisor—and make sure variable annuities are the best fit for your long-term goals.   Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE    Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact Subscribe to Retire With Ryan  

Paul Hawksbee and Andy Jacobs bring you a packed show tracking the massive breaking story in English cricket. The Cricketer's senior correspondent George Dobell joins the podcast to break down why he believes Test captain Ben Stokes is on the verge of stepping down and retiring from the sport entirely by the end of the day.Shifting focus to football, former referee and broadcaster Christina Unkel helps make sense of the breaking World Cup controversy after top Somali referee Omar Artan was denied entry into the United States, completely ruling him out of officiating the tournament. Plus, comedian and Watford die-hard Dee Allum stops by to discuss her wild plan to watch absolutely every single match of the tournament. Finally, comedian and Evertonian Phil Nichol drops in to talk about returning to the Edinburgh Fringe for his first show in seven years, 'Aren't We Lucky'. You can check out a detailed breakdown of the cricket breaking news on talkSPORT.comFollow us on socials:X/Twitter: @tSHandJInstagram: @tSHandJYouTube: talkSPORT Hosted on Acast. See acast.com/privacy for more information.

Send us Fan MailJoin Sarah Thompson and me as we discuss in detail her experiences with ill and aging parents.If you'd like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Send us Fan MailNonprofit CEO succession planning is no longer a future issue—it's a current business challenge. As leadership turnover accelerates across the sector, boards and executives must rethink how they identify, recruit, and support the next generation of nonprofit CEOs.Dana Scurlock, Managing Director at Staffing Boutique, joins Julia Patrick and Sherry Quam Taylor to discuss what organizations should be looking for when hiring a CEO and how leadership expectations are changing.With research indicating that approximately 75% of nonprofit leaders are expected to retire by 2036, organizations face a major transition that will impact fundraising, operations, culture, and long-term sustainability. Dana explores why successful CEOs must be more than administrators—they must be communicators, relationship builders, and visionary leaders who can represent the mission externally while helping position the organization for future growth.As Dana explains, "A CEO is a visionary, an orator, somebody that's out representing the organization elsewhere and helping the organization grow."The conversation also examines the growing need to separate operational leadership from external leadership responsibilities. Many organizations are exploring structures that pair a forward-facing CEO with strong operational leadership to improve effectiveness, fundraising capacity, and organizational resilience.Dana also offers guidance on one of the biggest board-level decisions nonprofits face: whether to promote from within or recruit externally. The answer depends on the organization's goals, culture, and future vision—but boards must first define where they want the organization to go."If you haven't defined it yet, where do we want to be? And if you don't have the answer to that, therein lies where the first leg of the work needs to come."Whether you're a board member, executive director, CEO, or nonprofit leadership candidate, this discussion offers valuable insight into preparing your organization for the next decade of change.Key Takeaways:Approximately 75% of nonprofit leaders are expected to retire by 2036, creating significant succession planning challenges.Effective nonprofit CEOs increasingly serve as visionaries, communicators, and public ambassadors for the mission.Boards should consider separating operational leadership and external leadership responsibilities as organizations grow.Professional fundraising expertise allows CEOs to focus on growth, partnerships, and strategic positioning.Internal and external CEO candidates both offer advantages; organizational goals should drive the decision.Leadership transitions should be accompanied by a clear narrative that explains the organization's future direction. 00:00:00 Introduction: The Future of Nonprofit Leadership 00:04:02 75% of Nonprofit Leaders Expected to Retire 00:05:18 What Makes a Great Nonprofit CEO Today? 00:08:57 Visionary Leadership vs Operational Leadership 00:11:25 Should Nonprofits Redefine the CEO Role? 00:13:45 Why More CEOs Need Strong Operations Partners 00:19:39 The CEO's Role in Fundraising and Growth 00:22:19 Why Professional Fundraisers Matter 00:24:24 Hiring a CEO: Internal Promotion or External Search? 00:26:53 Controlling the Narrative During Leadership Transitions 00:29:01 Defining the Organization's Future Before Hiring Find us Live daily on YouTube!Find us  Live daily on LinkedIn!Find us Live daily on X: @Nonprofit_ShowOur national co-hosts and amazing guests discuss management, money and missions of nonprofits!  12:30pm ET   11:30am CT  10:30am MT  9:30am PTSend us your ideas for Show Guests or Topics: HelpDesk@AmericanNonprofitAcademy.comVisit us on the web:The Nonprofit Show

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⭐ Get my coaching & community to achieve financial freedom → https://www.coachcarson.com/rpm-pod-491   ⚒️Get my best investor tools for FREE → https://www.coachcarson.com/toolkit-pod-491   ▶️Next Episode: How Many Rentals Do You ACTUALLY Need to Retire? (The Real Number) Apple: https://podcasts.apple.com/us/podcast/483-how-many-rentals-do-you-actually-need-to-retire/id1448707654?i=1000761070798 Spotify: https://open.spotify.com/episode/0PWXaqIpwfvopSncC91s9s?si=riB3_klCQyucv1FtmpP0Vw --------------------------

Most people don't fall short in retirement because they're lazy or bad with money. They fall short because their home equity sits idle, taxes quietly eat away at their gains, and they've never been shown how to turn real estate into reliable retirement income without creating another full-time job. Maybe you're a homeowner in a high-cost market, a realtor with “lumpy” income, or a self-employed professional with no real pension, are you sitting on hundreds of thousands in equity and still worried you'll outlive your money? In this episode of Marketer of the Day, mortgage broker and retirement strategist Kerry Worden shows you how to “Retire on Real Estate” by using short-term rentals, reverse mortgages, and tax-deferral strategies to turn what you already own into cash flow. If you've ever wondered, “Am I an accidental millionaire on paper but broke in retirement?” or “How do I use my house in my retirement plan without losing it?” This conversation is for you. https://youtu.be/eZ9SNKq6J_8?si=IAl1yuQcM6stemiP Kerry shares the story behind Buckeye Basecamp, his short-term rental near Yosemite that sleeps up to 20 people, and explains why short-term rentals, set up as real businesses, can deliver stronger income and better tax treatment than many traditional long-term rentals. You'll hear about passive activity loss limitations, why so many investors and retirees leave money on the table, and how especially in your higher-earning pre-retirement years, short-term rentals can help you keep more of what you make. If you're a realtor, homeowner, or self-employed pro who's built up equity but not a real plan, this episode will challenge how you think about risk, retirement, and your house. Kerry's mindset, captured in his personal motto “DFQ: Don't F'n Quit,” is about not giving in to fear, myths, or confusion, but getting just educated enough to make smart, confident decisions for yourself and your family. Quotes: “Short-term rentals for retirement can be opportunity or overload. If you're not ready, it really can feel like too much, but for people trying to get ready to retire, especially in those higher-income years, they can be incredibly helpful.”  “A reverse mortgage line of credit has a unique attribute: it grows and never stops growing. Even if the value of the house never goes up again, that line of credit keeps increasing anyway.” “My purpose with financial planners and realtors is to show them how a reverse mortgage can help their clients not outlive their assets and reduce their tax liability. If you ignore home equity, you're ignoring one of the biggest tools in the retirement toolbox.”  Contact Details: Visit Kerry Worden's Facebook Page Connect with Kerry Worden on LinkedIn Visit Real Retirement Strategies Official Website Learn More About Buckeye Basecamp Follow Kerry Worden on Instagram Get The Copy of Retire of Real Estate: The Realtor's Retirement Plan on Amazon

Are today's market highs a sign of strength—or a reason for caution? In this episode of Dollars & Sense, Joel Garris breaks down what investors should pay attention to as stocks sit near record levels, inflation remains sticky, and interest rate uncertainty continues to shape the financial landscape.Joel also tackles one of the biggest quiet risks in personal finance right now: holding too much cash. While cash can feel safe, staying overly conservative for too long can create long-term consequences for growth, purchasing power, and retirement success.Then, in a practical and timely segment, Joel walks through a retirement readiness checklist—covering income planning, Social Security, taxes, health care, legal documents, and the lifestyle questions many people overlook.If you've been wondering whether to stay invested, move money out of cash, or prepare more intentionally for retirement, this episode offers clear, practical guidance to help you make smarter financial decisions.

Retire on Your Own Terms 2-21-26 by

Retire on Your Own Terms 3-21-26 by

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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 3587: Craig Stephens challenges readers to shift from being primarily consumers to becoming creators, arguing that wealth grows faster when you focus on producing value rather than simply consuming products, entertainment, and information. Through examples from investing, careers, entrepreneurship, and his own journey from reader to successful financial writer, he shows how even small changes in how you spend your time and money can unlock new income streams and accelerate long-term wealth building. Read along with the original article(s) here: https://www.retirebeforedad.com/creation-mindset-wealth-trajectory/ Quotes to ponder: "Start with your money. Are you spending too much money consuming? Can you funnel more of your money toward assets that create more wealth?" "When something is created that is of value to others, the resulting economic transaction creates wealth for the creator." "Reducing consumption (to save money) and increasing what you create (to earn money) are ways to enhance your ability to build income streams and grow wealth." Learn more about your ad choices. Visit megaphone.fm/adchoices

Bjarne Stroustrup is the creator of C++. I read a few of his books and alternately loved what he'd done and hated having to write C++ code in university and at a few jobs. I found it tedious and hard, though arguably better than C once you had a decent set of classes structured. BTW, I love his website, the basic text view of the world, which is how I have built a few sites on my own. I caught an interview with him and this short response on AI and coding. He had this quote: "Senior developers are already retiring rather than deal with it." He doesn't love the results from AI, which is fine. And it's not what I want to talk about today. Read the rest of Would You Retire Rather Than ...

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 3587: Craig Stephens challenges readers to shift from being primarily consumers to becoming creators, arguing that wealth grows faster when you focus on producing value rather than simply consuming products, entertainment, and information. Through examples from investing, careers, entrepreneurship, and his own journey from reader to successful financial writer, he shows how even small changes in how you spend your time and money can unlock new income streams and accelerate long-term wealth building. Read along with the original article(s) here: https://www.retirebeforedad.com/creation-mindset-wealth-trajectory/ Quotes to ponder: "Start with your money. Are you spending too much money consuming? Can you funnel more of your money toward assets that create more wealth?" "When something is created that is of value to others, the resulting economic transaction creates wealth for the creator." "Reducing consumption (to save money) and increasing what you create (to earn money) are ways to enhance your ability to build income streams and grow wealth." Learn more about your ad choices. Visit megaphone.fm/adchoices

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What if apostles were given emeritus status at 70 years of age? This was the question apostle Hugh B. Brown proposed to the Quorum of the Twelve as President David O. McKay descended into senility. Would the Quorum go for it? After all, Hugh would be the first to go! In this episode, Matt Harris talks about how a power vacuum caused chaos in the First Presidency. https://sunstone.org/wp-content/uploads/2026/06/SLP-211.mp3

On the show today, we speak with Dr. James Hereth of Kaleida Health about the Measles case in Erie County and Ebola outbreak in Africa, and we take a couple of topics suggested by you yesterday when asked what your first talk topic would be if you were a talk show host, those being: do you think you'll be able to retire and do you have a problem with fracking in Western New York?

What do a baby sleep mask, a detail van, and a print-on-demand candle have in common? They're all quietly generating serious income for real people — and in this episode, we dig into the numbers behind six of the most interesting side hustle stories making the rounds right now. I'm joined by Cody Berman — co-host of The FI Show and author of Retire by 30: How to Build Wealth, Gain Freedom, and Live Life on Your Own Terms — for a roundtable breakdown of the latest Side Hustle Headlines. Each story comes with real numbers, honest reactions, and ideas for how the same model might work in your own life. Listen to Episode 742 of the Side Hustle Show to learn: how a first-time mom built a $90k/month business in 20-minute bursts between feedings why a "boring" service side hustle is quietly keeping pace with a six-figure salary what the print-on-demand candle boom reveals about finding underserved niches Full Show Notes: $60k/mo Selling Baby Sleep Masks, the $72k “Secret” Detailing Business, $500k in Print on Demand Candles, and more New to the Show? Get your personalized money-making playlist ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠! Sponsors: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Indeed⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ – Start hiring NOW with a $75 sponsored job credit to upgrade your job post! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Quo (formerly OpenPhone)⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ — Get 20% off of your first 6 months! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Shopify⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ — Sign up for a $1 per month trial! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Gusto⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ — Get 3 months free of the leading payroll, benefits, and HR provider for modern small businesses! ⁠⁠⁠⁠⁠⁠⁠⁠⁠Whatnot⁠⁠⁠⁠⁠⁠⁠⁠⁠ — Whatnot will match your first $150 sold in the first month! About The Side Hustle Show This is the entrepreneurship podcast you can actually apply! The award-winning small business show covers the best side hustles and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠side hustle ideas⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. We share how to start a business and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠make money online⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and offline, including online business, side gigs, freelancing, marketing, sales funnels, investing, and much more. Join 100,000+ listeners and get legit business ideas and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠passive income⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ strategies straight to your earbuds. No BS, just actionable tips on how to start and grow your side hustle. Hosted by Nick Loper of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Side Hustle Nation⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

What do demographics, migration patterns, and a $100 trillion wealth transfer have to do with real estate investing? In this episode of The Real Wealth Show, Kathy Fettke sits down with demographic expert Ken Gronbach to discuss the population trends he believes will shape the economy and housing market for years to come.   Ken explains why falling birth rates around the world are creating labor shortages, why the United States remains in a stronger position than many developed nations, and how an estimated $100 trillion wealth transfer from Baby Boomers to younger generations could influence housing demand, consumer spending, and investment activity.   They also discuss migration to the South, the outlook for multifamily housing, the reshoring of manufacturing, the rise of Gen Z's "tool belt generation," and why demographic trends may be more important than today's headlines when making long-term investment decisions.   If you're a real estate investor looking beyond interest rates and market cycles, this episode offers a big-picture perspective on where future demand and opportunity may emerge.   Timestamps:  00:00 Introduction 01:36 Demography & Fertility Decline 04:12 China 05:57 Immigration Policy 07:22 Misleading Headlines 10:21 Millenials 12:43 Baby Boomers and Wealth Transfer 14:20 Kathy's Story 15:18 Jobs Market & AI 18:02 Millenial Trends 19:54 Demographics and Wealth 21:17 Real Estate 23:25 Gen Z: The Tool Belt Generation 25:49 Multifamily Housing 27:09 Housing Supply 27:48 Where Baby Boomers will Retire 30:25 Reshoring   DISCLAIMER The views and opinions expressed in this podcast are provided for informational purposes only, and should not be construed as an offer to buy or sell any securities or to make or consider any investment or course of action. For more information, go to www.RealWealthShow.com

It's time to hang the jersey in the rafters.

Everyone has financial goals. Pay off your mortgage.Retire early.Get an 850 credit score.Pay cash for everything. But what if some of the most celebrated financial goals in America are actually overrated? This week, Pete, Dame, and Kristen debate the financial goals people chase that may not deserve the hype. From perfect credit scores to early retirement, they explore whether some money milestones are helping people build better lives—or simply giving them something to obsess over. Because sometimes the smartest financial move isn't reaching a goal. It's choosing a better one.

As we look ahead to summer dating, Brian notes it's time we retire one of dating's most feared maneuvers. Chicago’s best morning radio show now has a podcast! Don’t forget to rate, review, and subscribe wherever you listen to podcasts and remember that the conversation always lives on the Q101 Facebook page. Brian & Kenzie are live every morning from 6a-10a on Q101. Subscribe to our channel HERE: https://www.youtube.com/@Q101 Like Q101 on Facebook HERE: https://www.facebook.com/q101chicago Follow Q101 on Twitter HERE: https://twitter.com/Q101Chicago Follow Q101 on Instagram HERE: https://www.instagram.com/q101chicago/?hl=en Follow Q101 on TikTok HERE: https://www.tiktok.com/@q101chicago?lang=enSee omnystudio.com/listener for privacy information.

Cody Berman had the $80,000 corporate job straight out of college, the four-hour daily commute, and the career path everyone said he should want. He hated all of it. By 25, he was financially free -- not because he stumbled into crypto or built a unicorn startup, but because he obsessively maximized the gap between what he made and what he spent, tried 30 different side hustles until a few of them worked, and built a life around what he actually valued. His new book is called Retire by 30. This episode is the conversation behind it.What You'll Walk Away WithWhy the title Retire by 30 is deliberately misleading -- and what Cody says the book is actually aboutThe gap: why the spread between income and expenses matters more than your investment returns, especially at the beginningHow Cody's co-host Justin hit financial freedom at 30 without a single side hustle -- just strategic corporate moves, index funds, and a 75-80% savings rateThe house hacking math: why living in a multi-family property created a $3,000+ monthly swing compared to friends paying Boston rentWhat happened when Cody tried to sell Lauren on FIRE using a spreadsheet -- and the reframe that actually workedWhy the big three (housing, transportation, food) move the needle infinitely more than cutting lattes and canceling NetflixThe 30-side-hustle graveyard: which ones were the worst, which one was the most ridiculous, and the one breakout that still generates income todayPurple's story: how someone retired on $500,000 and now has $1.1 million without adding another dollar to the pileThe surprising thing financial freedom actually teaches you about yourself -- and why it's never a money problem after you hit the numberWhat AI is actually good at for personal finance -- and why the more you already know, the better its answers getWhy This Matters NowWhether you're 25 or 55, the math Cody lays out is the same: find the gap, protect the gap, invest the difference, and build a life you don't need to escape from. The age you start determines the timeline, not the framework. This episode is the one to send to anyone in their 20s who hasn't started -- and anyone in their 40s who thinks it's too late.From the BasementCody Berman joins Joe and OG -- who is recording from inside Hollywood Studios at Coach Con -- to walk through the Retire by 30 framework, the 30 side hustles he actually tried, and the case studies from the book that prove it works in wildly different ways. The USA Today AI financial advice headline gives OG a full platform to explain where AI is genuinely useful, where it confidently hallucinates IRS codes, and why it apparently tried to blackmail a corporate email server. Doug arrives with Trader Joe's trivia after discovering the hard way that cider contains alcohol. Stacker Molly gets her HYSA cleared of all charges.Resources MentionedRetire by 30 by Cody Berman -- retireby30book.com; also available wherever books are soldCody Berman -- Financial Independence Show podcast; co-hosted with JustinA Purple Life blog -- referenced as a case study; apurplelife.netUSA Today -- "Half of Americans get financial advice from AI, but is it any good?" by Daniel DeViseAcquired podcast -- recommended for Trader Joe's, Coca-Cola, and Mars episode deep divesThe College Investor with Robert Farrington -- referenced for prior AI financial advice accuracy testingStacking Benjamins Vault -- stackingbenjamins.com/vaultStacking Benjamins Scorecard -- stackingbenjamins.com/scorecardStacking Benjamins Newsletter (The 201) -- stackingbenjamins.com/201Stacking Benjamins BAD Groups -- stackingbenjamins.com/badStacking Benjamins Community -- stackingbenjamins.com/basementSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Most Americans are far less prepared for retirement than many assume. Don and Tom discuss new Federal Reserve data showing that only about half of Americans have retirement accounts, the median retirement balance is just $200,000, and only a tiny percentage of retirees have more than $1 million saved. They explain why starting early, saving consistently, and avoiding speculative investing matter far more than chasing hot stocks or market trends. The episode also covers Social Security misconceptions, the challenges of retiring on limited income, concerns about Schwab's Teen Investor Account, and the importance of teaching young people disciplined long-term investing habits.0:11 How many Americans actually have enough saved for retirement?2:08 Federal Reserve data on retirement account ownership3:18 The surprisingly low median retirement balance4:47 Why advisors chase million-dollar clients5:07 Income, education, and retirement savings disparities7:06 Homeownership and wealth accumulation8:25 The importance of simply getting started9:41 Why Fidelity says it takes roughly 27 years to reach $1 million10:56 Saving versus investing and the dangers of speculation12:03 Leaving retirement money alone during market and life crises14:08 Bellevue, Nebraska caller asks about Social Security earnings limits15:11 Social Security taxation and claiming considerations16:32 Discussion of Edward Jones and advisor relationships19:29 Can a 76-year-old buy a home with $400 monthly payments?21:44 Schwab Teen Investor Account review22:39 Why Don dislikes stock-picking education for teenagers25:12 How custodians profit from trading activity26:35 Better ways to teach young people about investing27:31 Free advisor meetings and listener resourcesQuestions? Comments? Click!

Send us Fan MailWelcome back to Laundromat Resource! In today's episode, Jordan Berry dives deep into one of the most common—and most misunderstood—questions in the laundromat industry: How many laundromats do you ACTUALLY need to retire? Forget the hype and unrealistic Instagram goals. Jordan Berry breaks down the real math behind financial independence, covering everything from defining your personal “FI” (financial independence) number to calculating net operating income, dealing with loans, and understanding how factors like market, operating costs, and business size impact your path to retirement. Whether you want a bare-bones lifestyle or full-blown freedom, this episode will give you practical tools to figure out your own number—and avoid building yourself straight into a stressful second job. If you're ready for honest, no-fluff advice on using laundromats to fund your future, you're in the right place!In this episode, Jordan Discuss:00:00 Finding financial freedom05:58 Understanding Lean, Normal, and Fat FI06:57 Personalizing Your Financial Independence Number13:17 Real estate vs. laundromat investing14:44 Financing a Laundromat Purchase18:10 Calculating laundromat investment value21:32 Buying my first laundromat23:36 Laundromat valuation differences29:37 Free strategy call offer30:41 Encouraging subscribers to joinFree Strategy Zoom Call with Jordan:https://calendly.com/laundromatresource/free-strategy-call?back=1

In hour two, would teams like up for Mike Tomlin next offseason? Dolphins sign a WR. Crowder explains why he opted not to sign with the Patriots after the Fins cut him. Plus, 5 Wemby's vs 5 Michael Jordan's during Talk About It Tuesday.

Today on The Rizzuto Show, we discovered that technology has officially gone full circle. After decades of tech companies convincing us that one sleek device could handle everything, people are now voluntarily carrying multiple phones again. That's right — welcome back to the future, where your pockets are stuffed like it's 1998 and you're one Nextel chirp away from becoming a regional sales manager.The gang dives into the growing trend of people carrying separate work and personal phones in the name of mental health. Is it a brilliant life hack or just another thing to forget to charge? Lern almost had dreams of becoming a two-phone legend herself with plans for a "Learner Phone" burner setup before the deal disappeared faster than our motivation after lunch.Then it's time for Crap On Celebrities, where music news gets weird in all the right ways. Greta Van Fleet is back with new music, Peter Gabriel dusts off a song that apparently spent four decades sitting in a vault, and Disturbed is preparing new music while earning perhaps the most accurate parody album commercial we've ever produced. If you've ever wondered what a greatest hits collection consisting entirely of "AH-WAH-AH-AH-AH" sounds like, congratulations, your dream has arrived.We also discuss Rod Stewart's health issues, Frankie Valli finally canceling tour dates at age 92, and whether somebody should gently escort certain performers toward a comfortable pool chair and a nice afternoon nap.Movie fans get fed too. The crew talks about horror hit Backrooms, Toy Story 5 rumors involving Taylor Swift, the emotional Martin Short documentary, and some of the greatest movie ad-libs ever recorded. From "Here's Johnny!" to "You talking to me?" to "I'm the king of the world!" we revisit the moments actors accidentally turned into cinema history.Plus:Two-phone lifestyle debatesNextel nostalgiaMonica Valley's crowd-surfing weddingCelebrity cancellationsSwiftie conspiracy theoriesMartin Short appreciation hourClassic movie triviaBirthday celebrationsAnd one legendary porno birthday that somehow made it through legal reviewIf you're looking for a daily comedy show packed with music news, celebrity gossip, movie trivia, ridiculous observations, and the kind of conversations that somehow begin with smartphones and end with Pat Boone's metal album, you've found your people.The Rizzuto Show remains the daily comedy show where absolutely nothing stays on topic for long, and honestly, that's probably for the best.Thanks for making us part of your daily comedy show routine.Follow The Rizzuto Show → https://linktr.ee/rizzshow for more from your favorite daily comedy show.Connect with The Rizzuto Show Comedy Podcast online → https://1057thepoint.com/RizzShowHear The Rizz Show daily on the radio at 105.7 The Point | Hubbard Radio in St. Louis, MO.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

My wife and I will be 55 this year, and after years and years of saving, how do I switch my mindset from saving to spending? Have a money question? Email us ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money LIVE⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Twitter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ "Jill on Money" theme music is by Joel Goodman, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.joelgoodman.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.