Podcasts about retire

By the time you finish this episode, you'll have your exact plan for financial freedom through real estate, starting in 2026.  See if you can answer these questions right now: How much money do you want to make every month? When do you (realistically) want to retire? How much real estate will it take to get there? And which strategy will actually get you to the finish line? If you can't answer all four of those questions, you're like 99% of real estate investors—buying properties just to “build wealth.” While “building wealth” is worth striving for, it's not actually a true goal. It's what keeps investors working longer, unsure of when or if they've “made it” or how much farther they have to go. If you do one thing before 2026, do this: define your financial goals. Today, Dave shows you exactly how to do that. You'll learn the formula to calculate your financial freedom number, how much real estate you'll need, how long it will take, the one- and three-year goals you should set now, and the best real estate strategies for your situation. You could be retired in under 10 years if you start in 2026. What are you waiting for? In This Episode We Cover How to actually retire with rental properties in 10 years (or less) with a personalized strategy  The best real estate investments for those with low money or little time  How long it will take you to replace your income with real estate  2026 goal-planning that is achievable and gets you closer to early retirement  How it's possible to double your money in a matter of years by reverse engineering your investments  And So Much More! Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.biggerpockets.com/blog/real-estate-1209 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠advertise@biggerpockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

EXCLUSIVE NordVPN Deal ➼ https://nordvpn.com/cultaholic Try it risk-free now with a 30-day money-back guaranteeMaffew, Ross and Tom are here with this week's Cultaholic Wrestling Podcast including their reviews of WWE SmackDown, WWE Survivor Series, Raw, NXT and AEW Dynamite! They will also be answering the big question - Who Will Retire Chris Jericho In WWE?JOIN US and hit SUBSCRIBE!PATREON: https://www.patreon.com/cultaholicWEB: https://cultaholic.com/MERCH: https://www.cultaholicshop.comTWITCH: https://twitch.tv/CultaholicTWITTER/X: https://www.twitter.com/CultaholicFACEBOOK: https://www.facebook.com/CultaholicINSTAGRAM - https://www.instagram.com/cultaholicwrestlingWHATSAPP: https://www.cultaholic.com/whatsappDISCORD - https://www.cultaholic.com/discordCAMEO - https://www.cultaholic.com/cameoPODCASTS - Spotify: https://open.spotify.com/show/7yTfgtZJGF0J3ya3dETWfx - Apple Podcasts: https://podcasts.apple.com/gb/podcast/cultaholic-wrestling/id1344913966NEWS PODCASTS - Spotify: https://www.cultaholic.com/spotify - Apple Podcasts: https://www.cultaholic.com/apple➡️ Get 10% off EVERYTHING at GamerSupps or try a FREE trial pack with FREE delivery using code CULTAHOLIC at https://www.cultaholic.com/gamersupps!➡️ Sign up to Wrestle Crate UK using code CULTAHOLIC and receive DOUBLE the merch with your first month's crate: https://www.wrestlecrate.co.ukCultaholic provides video coverage of professional wrestling - including WWE (including WWE Raw, WWE SmackDown, and NXT), AEW, TNA Wrestling (formerly IMPACT), NJPW, ROH, and more with daily news updates, reviews, lists, highlights, predictions, reactions, podcasts and much, much more.Creative Commons Licensing Information: https://creativecommons.org/share-your-work/cclicenses/ Hosted on Acast. See acast.com/privacy for more information.

Discover tips to retire without losing your social life! Jake and Cory cover strategies to maintain purpose, connection, and community after leaving the workforce. Learn ways to build a balanced social portfolio, avoid isolation, and create a more fulfilling retirement lifestyle. --------------- Complimentary 'Retiring Right' ebook: https://falconwealthadvisors.com/jake-falcon-book-signup.html?utm_source=podcast&utm_medium=content&utm_campaign=rr_ebook   Complimentary Retirement Social Blueprint Template luke@falconwealthadvisors.com   Subscribe to our weekly newsletter: https://falconwealthadvisors.com/index.html?utm_source=podcast&utm_medium=content&utm_campaign=newsletter_subscribe#ID2GUSO1Sj8Upy1QWdqVxHOM   Contact our team: https://falconwealthadvisors.com/contact.html?utm_source=podcast&utm_medium=content&utm_campaign=contact_us#ID6rJkMgTJ1jVvl9lxUsddri   Download our whitepaper, "The Phases of Retirement — Knowing is Power" https://falconwealthadvisors.com/resources/the-phases-of-retirement.pdf --------------- Upticks is your podcast for financial planning insights. Hosted by Jake Falcon, CRPC™ and Cory Bittner, CRPC™, who discuss the philosophy of wealth management, exploring tailored retirement plans, tax planning, and timely industry topics. Join us for concise, understandable discussions that help empower your financial literacy. --------------- Connect with Jake Falcon, CRPC™ https://www.facebook.com/jake.falcon.524         https://www.instagram.com/jake_falcon_crpc/?hl=en         https://twitter.com/jakefalconcrpc         https://www.linkedin.com/in/jakefalconfalconwealthadvisors     #retirementplanning #socialwellness #financialliteracy #falconwealthadvisors #uptickspodcast #retirementtips #communityconnection #purposefulretirement #healthyaging #lifebalance

It's a dream (or nightmare?) lefty-righty combo: Sheng is paired with just Dan Boyle today! Does Macklin Celebrini have a strong case for the Hart Trophy? Sheng thinks so. How about Alex Wennberg for…Selke? It's not as crazy as it sounds. We also discuss the state of the San Jose Sharks' blueline: Who deserves to play every night? What's going on with Shakir Mukhamadullin? What's a path for the young San Jose Sharks defenseman to get more consistent playing time? Dan is honest about what he's seen from John Klingberg this season. Sheng asked some NHL scouts about Nick Leddy. Finally, Dan recalls when he knew that it was time for him to retire. He shares the mental challenge of adjusting to a lesser role in his last two years with the New York Rangers. Sponsored by Bring Hockey Back. Custom jerseys, hockey gear & tees for every fan. Use promo code: SANJOSEHOCKEYNOW for 15% off. ⸻ Listen on Spotify: San Jose Hockey Now Podcast: https://open.spotify.com/show/4l4mpAD... Listen on Apple: San Jose Hockey Now Podcast: https://podcasts.apple.com/us/podcast... ⸻ Follow San Jose Hockey Now San Jose Hockey Now: https://sanjosehockeynow.com/ Instagram: @sanjosehockeynow: / sanjosehockeynow

Utah OC Jason Beck's high powered offense could attract Kyle Whittingham to return Former Utah QB Frank Dolce

After a "positivity influencer" featured Ed, an 88-year-old veteran working full time at Meijer, the Internet raised over a million dollars for him to retire! STORY: https://www.wdjx.com/the-internet-comes-to-the-rescue-for-an-88-year-old-veteran/

In this week's Gaslit Nation, Andrea and Kyiv-based journalist Terrell Starr discuss how American corporate oligarchs act like authoritarian regimes. It's a lot like Trump, Kushner, and their real estate buddy Steve Witkoff's plan to sell out Ukraine to Russia. Once again we're reminding you that the war against oligarchy here at home is global.  Amazon, one of the 37 donors who helped bankroll Trump's illegal and unnecessary ballroom, was exposed in an investigation by Rolling Stone for possibly causing a cancer cluster near one of its data centers in Oregon, an allegation the company denies, because they know, under Kremlin-backed mass-murdering Trump, escalating a war for oil in Venezuela, they will get away with it. This is the same Jeff Bezos who celebrated in the White House with Trump, Kushner, and the Saudis who murdered Washington Post writer and Saudi dissident Jamal Khashoggi. Democracy doesn't just die in darkness; it dies under cheap gold fixtures and chandeliers. We also discuss why both Trump and Putin need a war in Venezuela to distract from their corruption at home, how oligarch ownership of the press continues to hollow it out, and how much more Americans can take of this abuse and gaslighting. And yet, amid all this lawlessness, democracy defenders around the world are fighting back. Bolsonaro's escape plan got foiled as he faces 27 years in prison, New Yorkers joined other American cities and towns in shutting down Trump's gestapo, and MAGA continue to be punished for voting for him–with a recent poll showing one in four Trump voters are disappointed or regret their vote. Join us for Gaslit Nation's bonus show out Thursday as we debate whether America is ready for a woman president–and how to stop Kushner and Ivanka from winning the MAGA succession war to install Ivanka with the help of their dictator friends. To listen and join our community of supporters, be sure to subscribe at the Truth-teller ($5/month level) or higher. Thank you to everyone who supports our independent journalism. Your support keeps us going and gives us the freedom to tell the truth.  Join our community of listeners and get bonus shows, Q&A sessions, invites to exclusive events like our Monday political salons at 4pm ET over Zoom, ad free listening, group chats with other listeners, ways to shape the show, and more! Sign up at Patreon.com/Gaslit! EVENTS AT GASLIT NATION: December 1st 4pm ET – Deaf Republic by Ilya Kaminsky + Total Resistance by H. Von Dach – Poetry and guerrilla strategy: tools for survival and defiance. Minnesota Signal group for Gaslit Nation listeners in the state to find each other: available on Patreon. Vermont Signal group for Gaslit Nation listeners in the state to find each other: available on Patreon. Arizona-based listeners launched a Signal group for others in the state to connect, available on Patreon. Indiana-based listeners launched a Signal group for others in the state to join, available on Patreon. Florida-based listeners are going strong meeting in person. Be sure to join their Signal group, available on Patreon. Gaslit Nation Salons take place Mondays 4pm ET over Zoom and the first ~40 minutes are recorded and shared on Patreon.com/Gaslit for our community Show Notes:   Article that Terrell references in the episode: 'What's the Big Deal?' Ask Trump Voters on Russia Hacking Report https://www.nytimes.com/2017/01/07/us/russia-hacking-election-trump-voters.html?unlocked_article_code=1.5k8.LzM3.Aqyb_HChdz9L&smid=url-share   "In his book Berlin: the Downfall 1945, Beevor described how Russian soldiers would gang rape not just German women but the starving and emaciated survivors of concentration camps and slave-labour factories." https://bsky.app/profile/andreachalupa.bsky.social/post/3m6ubnaxavk2h   "This exposé is breathtaking. Witkoff and Kushner do not just have conflicts of interest - thy are deeply woven into a web of Russian influence peddling by "investments". Money, personal ties and geopolitics have become indistinguishable." https://bsky.app/profile/joerglau.bsky.social/post/3m6yvn5n6g22i   Rolling Stone investigation into Amazon data center in Oregon polluting water, leading to mysterious cancers and miscarriages https://www.rollingstone.com/culture/culture-features/data-center-water-pollution-amazon-oregon-1235466613/   "According to the US Coast Guard, the year prior to Trump changing our policy to summary execution, only 21% of the vessels interdicted by them off the coast of Venezuela suspected of trafficking drugs had drugs on board. The other 79% had nothing. But now we just kill them all." https://bsky.app/profile/ronfilipkowski.bsky.social/post/3m6zh6tznsk27 Make Money Not War: Trump's Real Plan for Peace in Ukraine The Kremlin pitched the White House on peace through business. To Europe's dismay, the president and his envoy are on board. https://www.wsj.com/world/russia/russia-u-s-peace-business-ties-4db9b290   Not A Bad Week For Ukraine Truth, Democracy and Corruption, Possible High Command Changes, Are European Gloves Coming Off? https://phillipspobrien.substack.com/p/weekend-update-161-not-a-bad-week?r=1tgexa&utm_medium=ios&triedRedirect=true   Jared Kushner's double life Kushner has resumed his role as a top Trump foreign policy advisor while expanding his business partnership with the Saudi government. https://popular.info/p/jared-kushners-double-life   Meet all 37 White House ballroom donors funding the $300 million build, including Silicon Valley tech giants, crypto bros and the Lutnicks https://fortune.com/2025/10/26/37-white-house-ballroom-donors-funding-300-million-build-tech-ceos-trump/   "This is what it looks like when billionaires own the media." https://x.com/DarrigoMelanie/status/1995566687249465706   Trump Envoy Has Financial Ties With Former Adviser to Putin's 'Money Man' Now Leading Kremlin Peace Talks: Steve Witkoff's real-estate empire is bankrolled by a former adviser to Kirill Dmitriev, head of Russia's sovereign wealth fund and a key architect of Moscow's Ukraine negotiations https://bylinetimes.com/2025/12/01/trump-envoy-has-financial-ties-with-former-adviser-to-putins-money-man-now-leading-kremlin-peace-talks/   Dictatorship-era army officers and supporters rally in Argentina in latest sign of political shift https://apnews.com/article/argentina-military-junta-dictatorship-javier-milei-plaza-de-mayo-6122d6d7541141badaf78522efd42fd9   Layoff announcements surged last month: The worst October in 22 years https://www.cnn.com/2025/11/06/economy/job-layoff-announcements-challenger   A year on from Trump's victory, resistance is everywhere https://www.theguardian.com/commentisfree/2025/nov/09/trump-resistance-is-everywhere?CMP=share_btn_url   Ivanka Trump Sat in Vladimir Putin's Chair and Spun Around When at Kremlin, President's Former Associate Says https://www.newsweek.com/ivanka-putin-chair-spun-kremlin-931754   Ivanka Trump Was In Contact With A Russian Who Offered A Trump-Putin Meeting: Her contact said a meeting between Trump and Putin could expedite a Trump tower in Moscow. https://www.buzzfeednews.com/article/anthonycormier/ivanka-trump-putin-moscow-meeting-michael-cohen-tower   Admiral Overseeing Caribbean Mission to Retire after One Year in Role https://news.usni.org/2025/10/16/admiral-overseeing-caribbean-mission-to-retire-after-one-year-in-role   "Prospera Honduras is a Zone for Employment & Economic Development (ZEDE) backed by Peter Thiel. Trump plans to pardon the former Honduran president who championed ZEDES b4 his drug trafficking conviction. Honduras current outgoing president has tried to eliminate ZEDES, an obstacle for Prospera." https://bsky.app/profile/did:plc:we7sidyj3b5or2r7trtpfzt7/post/3m6ungpja622f   Terrell Starr Substack: https://terrellstarr.substack.com/  

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What does it take to go from dropping out of school in ninth grade to owning more than 150 rental units and retiring in your 40s? Matt Hawkins, also known as the Lumberjack Landlord, is a self-taught investor who now manages over 50 buildings and 400 tenants with just one employee — all from his phone. He joins us on this episode of Living Off Rentals to unpack his incredible journey from humble beginnings to financial freedom. Listen as he shares how early mistakes, creative deal-making (like buying a city-owned police station), and consistent systems helped him build a real estate empire that now provides freedom, flexibility, and purpose. Enjoy the show! Chapters: [00:00] Introducing Matt Hawkins and his background [01:45] From dropping out of high school to becoming a real estate investor [05:40] Investing in the stock market and losing everything [07:41] How his first real estate deals evolved over time [08:44] Use house hacking as the ultimate foundation for financial freedom [13:49] Retire early by designing a business that funds your ideal life [18:21] Scale a rental portfolio efficiently using systems and one key employee [20:52] Think like an asset manager, not just a landlord [24:34] Win competitive deals using the "reverse offer strategy" [28:00] Why great deals matter more than more deals [29:03] Connect with Matt Hawkins [30:51] Outro Guest Links: Website: https://www.lumberjacklandlord.com/  Instagram: https://www.instagram.com/lumberjack_landlord/?hl=en  YouTube: https://www.youtube.com/c/LumberjackLandlord  Show Links: Living Off Rentals YouTube Channel – youtube.com/c/LivingOffRentals  Living Off Rentals YouTube Podcast Channel - youtube.com/c/LivingOffRentalsPodcast  Living Off Rentals Facebook Group – facebook.com/groups/livingoffrentals  Living Off Rentals Website – https://www.livingoffrentals.com/  Living Off Rentals Instagram – instagram.com/livingoffrentals  Living Off Rentals TikTok – tiktok.com/@livingoffrentals   

At Summit, we believe salon professionals should be able to retire on their own terms. In this last episode in our Financials 101 series with CPA Chris Wittich from Boyum Associates, Chris explains why you should be saving for retirement now, even if you're working your very first job. Chris and Blake discuss retirment investment accounts for individuals like IRAs, Roth IRAs, and 401Ks. Also, did you know you can create an online account with the Social Security Administration and see how much you've been contributing in your working life so far? (We didn't!)From the salon owner perspective, we have advice on providing retirement plans for employees, and how to encourage your staff members to contribute. Find Chris Wittich and his team of salon accounting pros at salon.cpa.  Follow Summit Salon Business Center on Instagram @SummitSalon, and on TikTok at SummitSalon. SUMM IT UP is now on YouTube! Watch extended cuts of our interviews at www.youtube.com/@summitunlockedFind host Blake Reed Evans on Instagram @BlakeReedEvans and on TikTok at blakereedevans. His DM's are always open! You can email Blake at bevans@summitsalon.com. Visit us at SummitSalon.com to connect with others in the industry.

In this episode of Retire in Texas, Darryl Lyons and PAX Financial Advisor Greyson Hanna take listeners through the emotional, practical, and behavioral realities that business owners face when preparing to transition out of their companies. Drawing on years of advising entrepreneurs - and personal experience from a family of business owners - Darryl explains why selling a business is far more than a financial transaction. They break the conversation into the six phases of PAX Financial Group's business transition process: Phase Zero: Understanding the Owner and Spouse, including personal history, sacrifices, communication styles, and behavioral tools like the Enneagram to uncover motivations and priorities. Phase One: Business Discovery & Exit Readiness Assessment, where owners begin evaluating industry dynamics, operational gaps, and qualitative questions that often seem simple - but prove surprisingly difficult to answer. Phase Two: Valuation Preparation, helping owners gather the information needed for an equity estimate that provides a directional view of their company's worth rather than relying on guesswork. Phase Three: Honest Conversations & Risk Review, inviting both spouses into discussions about fears, expectations, long-term goals, and the emotional impact of stepping away from the business. Phase Four: Strategy & Buyer Fit, covering potential internal and external buyers, tax considerations, tradeoffs, and the importance of allowing enough runway - often years, not weeks - to position the business properly. Phase Five: The "Wheel of Life" Transition, where owners begin planning purpose, meaning, and fulfillment beyond the sale, ensuring they enter retirement with clarity, stability, and a vision for how they want to spend their time. If you know a business owner preparing for their next chapter, feel free to share this episode with them! This episode provides general educational information only and is not intended to provide specific investment, tax, or legal advice. 

More and more people are waking up to the fact that 0.01 of a bitcoin is going to be SIGNIFICANT wealth in the not-so-distant future. In this conversation, we're talking about the 2030s… 2040s.. and we'll likely see a bitcoin priced in dollars into the tens of millions, Rajat Soni, CFA breaks it all down for you in this episode of the State of Bitcoin Podcast. Check out Rajat's YouTube channel: @rajatsonifinance Give Rajat a follow on Twitter: https://x.com/Rajatsoni?s=20 Please Like, Share, and Subscribe to my channel!

Are you paying yourself what you're worth, or is your practice managing you?In this episode of The Millionaire Dentist™, host Jarrod Bridgeman sits down with CPAs Kevin Rhoton and Brodie Hough from Four Quadrants Advisory to dismantle the "one-size-fits-all" approach to dental practice finances.Too many dentists rely on generic quarterly tax estimates, leading to cash flow crunches and nasty surprises at year-end. Kevin and Brodie explain why proactive tax management is the key to keeping more of what you earn. They dive deep into the strategies that separate struggling practices from profitable ones, including how to properly structure owner compensation and how to leverage 401(k) plans for massive tax savings.Interested in more info on how to: Earn More, Save More, and Retire EarlyUpcoming Tour Dates: Go to our EVENTS page for infoFacebook: Four Quadrants AdvisoryInstagram: @fourquadrantsadvisoryLinkedIn: Four Quadrants Advisory

Hour 2 of Jake & Ben on December 3, 2025 With one local coach locked up, all eyes turn to Kyle Whittingham and his big decision. How long will Morgan Scalley keep waiting?  What You Got Wednesday: Most Desirable College Fooball Coaching Jobs, Most Overrated Actors.  Not only did the Los Angeles Clippers just cut Franchise Legend Chris Paul, they cut him at 3 in the morning. 

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The news of Texas covered today includes:Our Lone Star story of the day: Texas Republicans to lose another incumbent in Congress to retirement but this one has a twist of a twin thrown in. Plus other political and campaign news such as RINO state Rep. VanDeaver deciding a re-election bid to the House isn't something he wants to go through.Democrats throw in the towel on their legal challenge to Tarrant County's redistricting. Tarrant County Judge Tim O'Hare continues to impress as a true pro-taxpayer conservative leader.Our Lone Star story of the day is sponsored by Allied Compliance Services providing the best service in DOT, business and personal drug and alcohol testing since 1995.Corpus Christi man gains notoriety (or infamy) for handing out cheap Harbor Freight machetes to vagrants and bums. Gotta have something to clear out new bum camps with under those stream bridges!Another bad asylum call: Afghan national allegedly threatened to bomb Fort Worth. Afghan accused of killing national guard soldier in DC was known, and reported, by many to “spiraling into mania” but was given asylum anyway.Listen on the radio, or station stream, at 5pm Central. Click for our radio and streaming affiliates. www.PrattonTexas.com

Healthcare planning is a huge part of getting ready for your retirement. In this episode, I tackle one of the most pressing updates for retirees: the latest changes to Medicare premiums for 2026, including important surcharges, deductibles, and strategies to help you manage your healthcare expenses.  I'm helping you understand the significant increases in Medicare Part B premiums and deductibles, the impact these changes will have on your Social Security benefits, and why waiting to claim Social Security might pay off. Listen in to get helpful strategies for appealing IRMAA surcharges and practical tips for structuring your income to minimize additional Medicare costs. If you're planning for retirement or already navigating Medicare, this episode is packed with timely advice to help you make informed decisions about your healthcare and finances. You will want to hear this episode if you are interested in... [00:00] 2026 Medicare vs. Social Security. [02:23] Part B Medicare surprise announced. [04:08] Social Security timing and medicare basics. [10:07] Appealing the Medicare IRMAA surcharge. [12:13] Avoid IRMAA by keeping an eye on your retirement income. [14:08] Key Medicare changes for 2026. Medicare Part B Premiums Are Increasing in 2026 The standard monthly premium will jump to $202.90 per individual, a striking 9.7% rise from the 2025 rate of $185. This marks the largest increase since 2022, signaling that healthcare costs for retirees continue to climb at rates surpassing even Social Security's cost of living adjustment, which will be 2.8% for 2026. For retirees collecting Social Security, Part B premiums are automatically deducted from their benefits, while those not yet collecting must pay separately, typically on a quarterly basis. It's possible for individuals with lower Social Security benefits to see the entire annual cost-of-living increase consumed, and even exceeded, by higher Medicare premiums. Understanding Medicare's Two Parts: A and B It's important to understand Medicare's original coverage: Part A and Part B. Part A (Hospital Insurance): Most retirees won't pay a premium for Part A if they (or a spouse) have worked at least 10 years in the U.S. Those with fewer qualifying quarters face monthly premiums of either $311 or $565, depending on how long they've paid in. The Part A deductible will also rise to $1,736 in 2026. Part B (Medical Insurance): Covers preventive care, with the standard premium set at $202.90 and a deductible of $283 for 2026 (about a 10% increase from 2025). IRMAA: Income-Related Monthly Adjustment Amounts & Surcharges Higher-income retirees may be subject to IRMAA, leading to additional surcharges on Part B premiums. This is determined by your modified adjusted gross income (MAGI) from two years prior (2024 for the 2026 premiums). The IRMAA threshold for single filers is $109,000 and $218,000 for joint filers, with surcharges starting at $284.10 per person and escalating through higher brackets, potentially doubling your premium if you cross certain income thresholds. Medicare will send IRMAA notifications, but an appeal process is available. If your income drops due to retirement or other qualifying life events, you can use SSA Form 44 to appeal unwanted surcharges. Reasons might include a work stoppage, divorce, loss of a pension, or the death of a spouse. Strategic Planning for Retirees How can retirees manage these costs and avoid sudden surcharge surprises? Ryan Morrissey  provides practical guidance: Delay Social Security: Waiting until full retirement age or later can mean higher monthly benefits and greater long-term cost-of-living increases. Monitor Your Income: Large IRA withdrawals, significant capital gains, or property sales can raise your MAGI and push you into higher IRMAA brackets. Appeal When Justified: Act quickly if you're eligible for an IRMAA appeal, as processing can take time and surcharges last 12 months before adjusting. Retirees should work closely with financial advisors to manage income distributions and plan for healthcare expenses as part of their broader retirement strategy. With healthcare costs rising faster than Social Security increases, retirees must stay vigilant. Whether you're newly eligible for Medicare or well into your retirement journey, understanding these changes is super important. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  Medicare.gov Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan

How many times in your life do you retire? The traditional answer—once—is being overturned by a new wave of workers embracing months-long disconnections, or micro-retirements. This trend is a direct response to systemic burnout, prompting a vital debate on the real career risks of trading future security for present sanity. / The music to calm your pet (19:03). On the show: Steve, Fei Fei & Yushun

CHIWIWIS!!!!"Mighty" Demetrious Johnson is joined by UFC bantamweight prodigy Raul Rosas Jr.! ⚡️1st Phorm

Send us a text“Don't forget to set your scales back 10 lbs at midnight tonight for the holiday season, Thanksgiving through Christmas."For better or worse, the holiday season is upon us again. It is arguably the best season of the year. It is also the season of each year that I gain the most weight.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

Have you ever caught yourself thinking, “I don't want to work forever… but am I actually preparing for the retirement chapter of my life, or just hoping it sorts itself out?” If that thought has ever floated through your mind, you're in very good company. Only 33% of Australians feel financially prepared for retirement, which means most of us are quietly wondering if we're doing enough - even if we're not saying it out loud. That's why this week's conversation with James Wrigley is such a powerful one. James is one of Australia's most trusted and followed financial advisers, part-owner of First Financial, and the author of the newly released book Retire Life Ready. James is the adviser people turn to when they feel stuck, overwhelmed or simply unsure what's possible. He helps people zoom out, breathe, and see that they're not behind, they're not trapped, and they're definitely not too late to shape a financial future they feel proud of. What I love about James is his ability to blend strategy with empathy. His story - from accidentally applying for a job he didn't fully understand straight out of uni, to discovering it was his forever career - reminds us that sometimes the best paths are the ones we don't plan. As a midlife woman myself, retiring life ready is no longer a “future me problem” - it's something I'm intentionally thinking about. So I paid very close attention to everything James shared. Key Episode Takeaways: What you want to do with the third of your life you spend in retirement Retirement isn't an ending - it's a reimagining. The sooner you start thinking about your retirement plan, the better, small actions today open big possibilities later. The power of saying yes; being open to learning and making small changes can radically shift your future. Knowing how much is “enough” for YOU - how to identify your personal level of financial comfort and freedom - not society's. About the Guest: James Wrigley is one of Australia's most trusted financial advisers and part-owner of First Financial. With more than 20 years' experience, he's known for helping everyday Australians cut through overwhelm, make confident decisions, and prepare for the future with clarity. James is also the author of the newly released book Retire Life Ready, and his practical, jargon-free videos have reached hundreds of thousands of people online. His work blends empathy, strategy and straight-talking advice to help people create a retirement - and a life - they're genuinely excited about. Show Resources: Follow James on Instagram - HERE Check out Jame's book, Retire Life Ready - HERE Learn More About First Financial - HERE Follow Emma, the Podcast Host on Instagram - HERE Learn More About Emma's Wealth Mastery Self-Paced Program - HERE If you LOVED the episode, please share it on your Instagram stories and tag @emmalagerlow and @iamjameswrigley - I love seeing your takeaways. Yours in Retiring Life Ready, Emma. X.

Get in losers, we’re going All The Way to the River. We read Elizabeth Gilbert’s latest book with guest Jack Lawler of Work.Retire.Die, The Daily Friday, and The Daily Friday podcast. If you’ve heard anything about this book, you’re probably wondering: did this lady try to kill her wife or what? Well, you’ll have to listen to the episode to find out! Readers advisory: Here. Footnotes: Episode 209 – Eat Pray Love “Elizabeth Gilbert opens up about sex, drugs and codependency in a new memoir” by Tonya Mosely “My Once-in-a-Million-Years Love Story” by Elizabeth Gilbert “Elizabeth Gilbert’s Latest Epiphanies” by Jia Tolentino Gavel of Justice sound Coming up next: The Company of Vengeful Crows by Lana Pecherczyk.

You already know about independent sponsors and search funds, but the entrepreneurship through acquisition (ETA) trend is transforming the market. These buyers are sophisticated, well-funded entrepreneurs who buy businesses and ensure a quick succession plan and a smoother closing process for owners ready to retire. Listen to learn why these educated buyers are a powerful, focused group actively looking for businesses like yours. View the complete show notes for this episode.   Want To Learn More? M&A Guide | The 4 Types of Buyers of Businesses The Basics of Independent (Fundless) Sponsors in M&A Preparing Financial Statements When Selling a Business Additional Resources: Selling your business? Schedule a free consultation today. Sign up for an Assessment and Valuation of Your Business. Courses: The Art & Science of Selling a Business Download The Art of The Exit: The Complete Guide to Selling Your Business Download Acquired: The Art of Selling a Business With $10 Million to $100 Million in Revenue   If you have any topic or guest suggestions, please email them to podcast@morganandwestfield.com.

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Brian Noe & Jason Martin fill in for the guys as they talk about Frank Ragnow un-retiring and joining back up for the Lions and what that means for their playoffs aspirations, some questionable impersonations afoot, and more!!See omnystudio.com/listener for privacy information.

In this community episode, we discuss the role of AI in planning your retirement. Can ChatGPT provide us with the answers? Also, how early should we start planning for retirement day? We are joined by Bill Yount from The Catching Up to FI Podcast and community member SuzyB. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this engaging conversation, Jon and Bailey Sanchez discuss the complexities of retirement readiness, emphasizing the importance of communication between adult children and their parents regarding financial planning. They explore the signs that indicate when someone is ready to retire, the role of financial advisors, and the necessity of having an estate plan. The discussion highlights the emotional aspects of retirement and the need for families to have open conversations about finances and future planning.Chapters00:00 Introduction and Family Dynamics12:22 Understanding Retirement Readiness17:48 Navigating Conversations About Retirement20:59 The Role of Financial Advisors in Retirement Planning21:36 Navigating Family Financial Conversations22:03 Understanding Retirement Readiness24:33 The Importance of Family Meetings26:17 Communicating Estate Plans27:16 Addressing Healthcare Costs31:24 Signs of Retirement Readiness35:38 Sanchez MWF Disclaimer .mp3

Don and Tom run through a Wall Street Journal list of “subtle signs it might be time to retire,” reacting to each one with their usual mix of disbelief, personal anecdotes, and gentle ribbing. The episode wanders into tech reluctance, job promotions nobody wants, Sunday dread, obsessive 401(k) checking, volunteering guilt, missing peers, feeling left out of friends' retirements, boss-related misery, and aging knees. They also answer listener questions about Schwab Intelligent Portfolios and their high cash allocations, discuss the shrinking role of physical cash, explain the real value of pre-1964 silver quarters, and handle calls on Social Security math. Tom repeatedly tracks his daughter's high-school soccer match on-air, providing live updates as the drama unfolds. 1:06 WSJ list of “subtle signs it's time to retire” begins 1:40 Sign #1: Feeling numb arriving at work 2:11 Why neither host relates to workplace numbness 2:59 Sign #2: Shrinking from new tech tools (Tom jokes incoming) 3:40 Don embraces AI, Tom… less so 4:21 Sign #3: Avoiding promotions; why neither wants a bigger job 5:16 Sign #4: The “Sunday scaries” 5:50 Sign #5: Constantly checking your 401(k) balance 6:26 Mid-list recap before the break 7:42 Second half of the list introduced 8:57 Sign #6: Wanting to volunteer more 9:40 Sign #7: Realizing all your peers have retired 10:11 Don jokes about dying at his desk 11:34 Sign #8: Feeling left out as friends enjoy retirement trips 12:40 Sign #9: Hating your boss (and why that's not a retirement issue) 12:56 Sign #10: Achy knees and “retire before you can't enjoy things” 13:35 Doctors, guarantees, and aging joints 14:43 Call for listener questions 15:04 Call: Schwab Intelligent Portfolios' big cash allocations 16:28 How Schwab makes money on the spread 18:20 Transparency vs. hidden fees 20:20 Back from break — Wednesday podcast explanation 21:31 Don hates change (the coin kind and the life kind) 22:30 Historical buying power of coins 22:56 Pre-1964 silver quarter value 24:15 Odds of finding one in circulation 25:10 What amount of money makes you bend over and pick it up? 25:47 Cleaning out the garage vs. hunting silver coins 27:36 Halftime soccer update: the comeback begins 29:02 Caller: misunderstanding “8% interest” from Social Security discussion 30:26 Caller Paul on cash vs. cashless society 31:51 Coca-Cola prices through time 32:57 Only 12–18% of payments today are cash 34:02 Holiday well-wishes and generational shifts 35:34 Bewitched, credit checks, and pre-internet detective work Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Retire in Texas, Darryl Lyons addresses the growing emotional and mental strain many Americans are experiencing in today's economic climate. With 83% of individuals reporting that rising costs are affecting their mental health, Darryl unpacks the concept of "stressflation" and explains why financial pressure has become overwhelming for many households. He breaks the discussion into five key areas using the PERMA happiness framework: Positive emotions, including how practicing gratitude, shifting perspective, and focusing on personal progress can help reduce negative reactions to financial stress. Engagement, emphasizing how finding activities that create "flow" - whether hobbies, work, or creative outlets - can help people stay grounded and mentally refreshed. Relationships, highlighting the importance of community, generosity, and genuine connection, especially during periods of financial strain or isolation. Meaning, reminding listeners to look to their personal life stories and experiences to find purpose, direction, and opportunities to support others. Accomplishment, offering examples of small wins and activities that restore a sense of progress, purpose, and control during uncertain economic periods. Darryl also shares behavioral finance insights, real-life observations, and practical guidance for listeners who feel "stuck" in today's K-shaped economy. His message encourages long-term thinking, personal responsibility, and healthier emotional habits to help individuals navigate financial challenges more clearly. If you benefitted from today's episode, feel free to share it with your family and friends! This episode provides general educational information only and is not intended to provide specific investment, tax, or legal advice.  Resources: https://positivepsychology.com/perma-model/  https://pmc.ncbi.nlm.nih.gov/articles/PMC3037397/   https://lifestance.com/insight/financial-stress-impact-mental-health-statistics-2025/  

Free Copy of My Book: Building Wealth In the TSP: Your Road Map To Financial Freedom as A Federal Employee: https://app.hawsfederaladvisors.com/free-tsp-e-book Want to schedule a consultation? Click here: https://app.hawsfederaladvisors.com/whatservicemakessense I am a practicing financial planner, but I'm not your financial planner. Please consult with your own tax, legal and financial advisors for personalized advice.

If you'd like to work with us on your Medicare health plan, we're licensed in 45 states and actively helping clients across the country. Christian and the team at Everything Senior Insurance represent many of the top insurance companies in the Medicare space. We're happy to help—just reach out! ➡️ Visit our site: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.eseniorinsurance.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠✅ Call us: (801) 255-5340

As 2025 comes to a close, we're here to help you make the most of year-end tax planning. I'm explaining seven actionable strategies to help you minimize your tax liability and optimize your retirement savings before the New Year.  From maximizing retirement plan contributions and exploring Roth conversion opportunities to using donor-advised funds for charitable giving and getting the most from your health savings accounts, this episode is packed with practical advice. The insights I'm sharing in this episode will guide you through the essential moves you need to consider before December 31st.  You will want to hear this episode if you are interested in... [00:00] Year-end retirement contribution tips. [04:07] Mega Backdoor Roth IRA strategy. [08:51] Maximizing charitable tax benefits. [12:19] Year-end tax savings key insights. [16:24] Maximize HSA contributions strategically. 7 Essential Year-End Tax Planning Strategies for 2025 When the end of the year approaches, savvy savers and future retirees know it's prime time to make smart financial moves. Here are my top seven actionable steps you can take before December 31st, and even a few after, to set yourself up for retirement success and optimize your tax situation.  1. Max Out Your Retirement Contributions For 2025, the maximum contribution is $23,500 if you're under 50 and $31,000 if you're over 50 (including a $7,500 catch-up). Contributing up to these limits reduces your taxable income for the year and boosts your nest egg for retirement, especially important if you're at your career's earnings peak. But don't wait! Corporate payroll deadlines mean these contributions typically need to be made by year's end. Self-employed individuals might have a little longer, but now is the best time to act. Setting yourself up for the new, higher 2026 limits can also help you keep your savings momentum going. 2. Utilize the Mega Backdoor Roth IRA High earners who make too much for direct Roth IRA contributions aren't out of options. The "Mega Backdoor Roth" strategy lets you contribute after-tax dollars beyond the standard 401(k) limits, then convert those funds into a Roth IRA or a Roth 401(k). For 2025, total contribution limits (including after-tax) can be as high as $77,500 if you're over 50. This powerful move can supercharge your retirement savings with the potential for decades of tax-free growth. However, not all employer plans allow in-plan conversions, so check with your HR department to explore your options. 3. Consider Roth Conversions A Roth conversion involves moving pre-tax money from a traditional IRA or 401(k) into a Roth account. You'll owe taxes on the conversion, but if you're in a low tax bracket this year, or expect to be in a higher one later, converting now could pay off substantially in future tax savings. Even small conversions ($10,000 - $20,000) can be beneficial if kept in lower tax brackets.  4. Maximize Charitable Contributions Using Donor-Advised Funds Charitable giving is generous, but it's also an opportunity to optimize taxes. Since the standard deduction now exceeds what many typically give, "bunching" several years' worth of donations into a single year using a donor-advised fund can allow you to itemize and increase your deduction. For example, funding three years of donations at once could push your deductions over the standard threshold, providing a greater tax benefit. 5. Review Stock Options for Tax Efficiency If you have stock options, especially non-qualified stock options or incentive stock options (ISOs), year-end is an ideal time to review their tax impact. Exercising during a low-income year can mean paying less tax on gains. ISOs, when held beyond the required periods, can qualify for long-term capital gains tax rates. Each type of stock option has distinct rules and opportunities for savings, so analyze your position before acting. 6. Use Flexible Spending Accounts (FSAs) Before They Expire FSAs allow you to pay for medical expenses with pre-tax dollars, saving you the equivalent of your combined federal and state tax rates (often ~30%). For 2025, you can contribute up to $3,300. Remember: FSAs are "use it or lose it," so spend down your balance, or you risk forfeiting unspent dollars, with only a limited carryover allowed. Also consider dependent care FSAs if you have eligible expenses. 7. Maximize Your Health Savings Account (HSA) HSAs are financial powerhouses, offering triple tax benefits: contributions are deductible, growth is tax-free, and withdrawals for qualified medical expenses are untaxed. The 2025 limits are $4,300 for singles and $8,550 for families, plus an extra $1,000 catch-up if you're over 55. Make sure employer contributions are factored into your personal limit, and if both spouses are eligible, consider separate accounts for maximum catch-up savings. Year-end tax planning is your chance to make meaningful progress toward retirement readiness and tax efficiency. Whether you're maximizing workplace plans, exploring Roth opportunities, leveraging charitable strategies, or optimizing account contributions, each move can compound into significant long-term benefits.  Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  Charles Schwab Fidelity Vanguard Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan

Send us a textIt's Thanksgiving, again!Join me for a mini-Thanksgiving celebration.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

If you're done working in uncertain shutdown-zones instead of on your own terms, now's the time to lock in your retirement freedom— the longest federal shutdown in history just highlighted what it means to wait.

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In this episode of the Smart Wealth & Retirement Podcast, financial advisors and retirement planners Jim Martin & Casey Bibb of Martin Wealth Solutions dive deep into one of the most important — and often misunderstood — parts of retirement planning: long-term care. They break down what long-term care really means, how it fits into a retirement plan, and the pros and cons of having insurance versus self-funding. Jim and Casey explore the emotional and financial impact of care decisions, discuss the difference between traditional and hybrid policies, and share real-life examples from clients who've faced these challenges firsthand. Whether you're in your 50s, nearing retirement, or already retired, this episode offers practical insight into protecting your assets and your loved ones while maintaining peace of mind. http://retirewithmartin.com/ ← Learn about working with us www.planwellretirehappy.com Episode Breakdown 00:00 – Introduction: Why long-term care planning matters 02:12 – What “long-term care” actually covers 04:05 – How rising healthcare costs affect retirees 06:14 – Why planning early can make a big difference 08:02 – The pros of long-term care insurance 10:26 – Common drawbacks and misconceptions 12:45 – Comparing traditional vs. hybrid policies 15:04 – When self-funding may make more sense 17:10 – How long-term care can impact your income plan 19:22 – Real-life client examples and lessons learned 23:02 – Key takeaways and next steps Disclosure Opinions expressed herein are solely those of Martin Wealth Solutions, unless otherwise specifically cited. Material presented is believed to be from reliable sources, but no representations are made by our firm as to another parties' informational accuracy or completeness. Content provided herein is for informational purposes only and should not be used or construed as investment advice or a recommendation regarding the purchase or sale of any security. There is no guarantee that any statements, opinions or forecasts provided herein will prove to be correct. All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation. Past performance may not be indicative of future results. Indices are not available for direct investment. Any investor who attempts to mimic the performance of an index would incur fees and expenses which would reduce returns. Securities investing involves risk, including the potential for loss of principal. There is no assurance that any investment plan or strategy will be successful.

The All Local Afternoon Update for Monday, November 24 2025

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 2808: Andy Hill explores three thoughtful alternatives to fully merging finances in marriage, drawing on real-life examples from the personal finance community. Whether couples want to maintain autonomy, streamline shared expenses, or build in guilt-free spending, these options aim to reduce tension and better align financial habits with relationship values. Read along with the original article(s) here: https://marriagekidsandmoney.com/3-smart-alternatives-to-merging-money-in-marriage-2/ Quotes to ponder: "What I'm finding more and more in marriage is that we need to choose what works best for us and not let other opinions interfere." "Money is also a form of independence, and so having to negotiate with another person regarding money can create a power struggle that is really about so much more than money." "Life is good." Episode references: 43 Blue Doors: https://www.43bluedoors.com Route to Retire: https://www.routetoretire.com  

In this episode of A Wiser Retirement® Podcast, we discuss how $1 million has been the golden benchmark for retirement savings. But is this magic number still enough in today's economy?Related Podcast Episodes: Ep 276: How to Make Sure You're Ready for RetirementEp 217: What are the best and worst states to retire to?Related Financial Education Videos:Investing for Income vs Growth in Retirement: Finding the BalanceHow to Estimate Your Tax Bill in RetirementLearn More:- About Wiser Wealth Management- Schedule a Complimentary Consultation: Discover how we can help you achieve financial freedom.- Access Our Free Guides: Gain valuable insights on building a financial legacy, the importance of a financial advisor for business owners, post-divorce financial planning, and more! Stay Connected: - Social Media: Facebook | Instagram | LinkedIn | Twitter- A Wiser Retirement® YouTube Channel This podcast was produced by Wiser Wealth Management. Thanks for listening!

In this episode we answer emails from Camille and Jeff.  We discuss how 72(t) and asset swaps enable early IRA access, where to place managed futures and treasuries for taxes, practical cash options at IBKR and ultra-short term ETFs, designing a mix for higher safe withdrawal rates, when to ratchet spending and when to hold flat, and tracking mandatory versus discretionary spending, among other things.And THEN we our go through our weekly portfolio reviews of the eight sample portfolios you can find at Portfolios | Risk Parity Radio.Additional Links:Father McKenna Center Donation Page:  Donate - Father McKenna CenterHow To Do An Asset Swap Video from Risk Parity Chronicles:  How to Do an Asset SwapFI Tax Guy Post on 72(t):  Retire on 72(t) Payments – The FI Tax GuyWhite Coat Investor Podcast with Sean Mullaney:  Managing Taxes in Retirement with Sean Mullaney | White Coat InvestorTax Planning Book:  Amazon.com: Tax Planning To and Through Early Retirement: 9798999841599: Garrett, Cody, Mullaney, Sean: BooksUltra-short ETFs for Parking Excess Cash:  Ultra Short-Term ETF ListPortfolio Charts Descriptions of Variable Withdrawal Strategies:  Retirement Spending – Portfolio ChartsBreathless Unedited AI-Bot Summary:What if your IRA isn't a locked box until 59½? We dig into the real-world playbook for early access and smarter withdrawals, showing how 72(t) and asset swaps let you fund life now without wrecking your allocation or triggering penalties. Along the way, we answer donor questions on where to park managed futures when tax-advantaged space is tight, how to rebalance when bonds live behind the IRA wall, and the cleanest ways to earn yield on cash at Interactive Brokers with short-term ETFs like SGOV, BIL, and JPST. We also touch on BOXX for high earners and ask our Canadian friends to weigh in on legacy RRSP headaches.From there, we map a durable withdrawal framework: blend growth and value equities, hold intermediate and long treasuries for ballast, and add diversifiers like gold and trend to raise your safe withdrawal rate. If pensions and Social Security cover the essentials, a 5% withdrawal from a risk-balanced mix can still thrive over 30 years, especially when you limit spending increases to 1% instead of full CPI. For raises, we compare floor-and-ceiling rules to ratchets so you can lock in gains after meaningful portfolio advances, yet stay flexible when markets wobble.To ground it all, we run through market movers—growth stocks buzzing, gold shining, bonds steadying—and share performance across our sample portfolios, from classic Golden Butterfly to leveraged variants. Takeaways are simple and usable: your access is wider than you think, tax location is a spectrum not a slogan, and the best spending rule is the one that fits your life. Subscribe, leave a review, and tell us: which withdrawal rule would you follow this year, floor and ceiling or a ratchet?Support the show

The news of Texas covered today includes:Our Lone Star story of the day: Border and illegal immigration news continues to remind us that even with the Trump Administration getting a good handle on illegal border crossings, the crisis caused by years of abuse and fraud has left us with major problems. Stories covered: Chip Roy Unveils Plan To Fix America's Legal Immigration Revolving Door – why punish those who go about it legally through the years-long arduous process? Just stop all the other abuses. Government Ordered to Resume Deportation Protection Program for Vulnerable Immigrant Youth Leaked Houston council proposal would limit HPD's ICE cooperation DPS Celebrates Border Mounted Patrol Unit's Anniversary Austin ISD employees detained by ICE spark campus alarm – not that the district may have hired illegal aliens but that they've been caught! Governor Abbott Demands Action On Mexico's Water Treaty Violation – great but mostly meaningless Our Lone Star story of the day is sponsored by Allied Compliance Services providing the best service in DOT, business and personal drug and alcohol testing since 1995.CAIR sues Texas Gov Abbott after it was labeled a terrorist organization.Oil and gas rig count unchanged in Texas this week.Why Senator Cornyn should lose the primary and retire, Cornyn pushes for yet another federal bureaucracy: The DC swamp proposes beating China in space by creating another bureaucracy here on Earth.SpaceX Superheavy booster intended for next test flight damaged during static fire test. Firefly to provide the launch rocket for Kratos' hypersonic test vehicles.Listen on the radio, or station stream, at 5pm Central. Click for our radio and streaming affiliates.www.PrattonTexas.com

MATT BROWN IS HERE!⚡️ Use my code for 10% off your next SeatGeek order*: https://seatgeek.onelink.me/RrnK/MIGHTY Sponsored by SeatGeek. *Restrictions apply. Max $20 discount⚡️ Thanks, Bear Mattress for sponsoring! Head to https://bearmattress.com/mighty and use my CODE: MIGHTY to get 40% off your mattress!⚡️ Live, only on DAZN, The Ring IV: Night of the Champions, sign up at my link and get 7 days of DAZN free! https://www.dazn.com/promo"Mighty" Demetrious Johnson welcomes MMA legend & analyst Matt "The Immortal" Brown on the latest episode of The MightyCast!⚡️ PrizePicks: Sign up with code "MIGHTYCAST" to play $5 and WIN $50 INSTANTLY https://prizepicks.onelink.me/ivHR/MIGHTYCAST⚡️1st Phorm

                                      Listen in as Erin and Rebecca discuss: Rebecca shares how she built her first real estate team while raising two babies under two—and what she learned about letting go of control. She reveals the turning point when she stopped chasing volume and started prioritizing profitability and peace of mind. Learn the mindset and systems that helped her step off the hamster wheel and finally build a business she could retire from. Rebecca opens up about walking away from a million-dollar income to rebuild intentionally—and how that decision transformed everything. Discover the mission behind her CEO Agent Academy and why real success means doing "less, better."                                             About Rebecca is a mom first — her family is her first team. She's a serial entrepreneur second. She started my real estate business in 1991. Sge was a solo agent for two years before she built her first team. With two babies under two, at 24 years old, she was in the top 2% of brokers nationally and selling 45 homes a year. Fast forward to being licensed in three other states with a 9-year stint abroad, and several years in leadership with two luxury brands. 10 years ago, she didn't just step into a new market—she built a seven-figure real estate business from scratch using the exact systems she's here to share with you. After 30+ years in the industry, Rebecca knows one thing for sure: success is not about the grind—it's about working smarter, building to scale, and being profitable. Rebecca helps real estate agents, team leads, and brokerages create systems that generate leads, streamline operations, and scale revenue—without burning out. She's candid and has a no-frills approach, both in business and in life. Feeding people is her love language — She's a sucker for good wine, can make a mean Paloma, and wants every meal to feel like an exquisite dinner party — whether it's just her husband with her at the kitchen island, a house full of kids, or a room full of friends + neighbors. Rebecca sees renovation projects in almost every piece of furniture or space she encounters — indoors or out. Her current obsessions are gardening and our chickens. Let's talk authenticity, systems, collaboration, coffee, travel, and good design. Rebecca fully believes we are the architects of our destiny and every day presents a new opportunity to improve!  How to Connect With Rebecca Website: https://www.rebeccagreen.co/ LinkedIn: https://www.linkedin.com/in/rebecca-green-real-estate/ Facebook: https://www.facebook.com/rebeccagreen.co Instagram: https://www.instagram.com/rebeccagreen.co/

Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereHow do you know if you can actually afford to retire as a Canadian business owner — and are you sure the “freedom number” you're chasing is even the right one?Most business owners have built impressive balance sheets, yet still feel uncertain about stepping away from work because their wealth isn't structured to pay them when they stop earning. You may have properties, retained earnings, or a thriving company — but little of it translates into reliable, personal cashflow. This episode breaks down why traditional retirement advice fails entrepreneurs and shows a simpler, more accurate way to calculate what your lifestyle truly costs. You'll also hear how reorganizing the wealth you already have can convert static assets into sustainable, tax-efficient income for decades.You'll discover: How to calculate your real financial freedom number using a lifestyle-first formula. How to sort your assets into three practical buckets so you can unlock income without selling everything. How to build a predictable, tax-efficient income engine that keeps paying you even after you step away from your business.Press play to learn how to turn your existing wealth into a system that makes work optional.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle…taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.Canadian business owners looking to build long-term wealth in Canada need a retirement planning approach that goes beyond traditional RRSP optimization and real estate investing. A modern Canadian wealth plan blends financial vision setting with smart asset organization, using financial buckets, tax-efficient investing, and corporation investment strategies to create reliable income strategies that support financial freedom Canada. By combining salary Ready to connect? Text us your comment including your phone number for a response!Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

In hour four, a shocking turn of events in the WQAM fantasy football league. Explaining why tomorrow's Heat game in Chicago is a must win. Is Jimmy Butler getting his jersey retired by the Miami Heat?

In this episode, Scott Becker explores why the popular idea of early retirement is often misguided.

 Our guest on the podcast today is Dan Haylett, who's the author of a new book called The Retirement You Didn't See Coming. Dan is a financial planner and head of growth for TFP Financial Planning based in the UK. Dan focuses on financial planning, retirement planning, and life planning for people over age 50. He also hosts a podcast called Humans vs. Retirement that is centered on the behavioral aspects of retirement. Prior to joining TFP, Dan occupied several positions in the asset management industry. Dan, welcome back to The Long View.BackgroundBioHumans vs. Retirement podcastThe Retirement You Didn't See Coming: The Guide to the Human Side of Retirement Nobody Warns You AboutTFP Financial Planning“Dan Haylett: Retirement Planning = Life Planning,” The Long View podcast, Morningstar.com, Dec. 5, 2023.Retirement and Happiness“Can You Afford to Retire?—3 Questions to Ask Yourself!” Humans vs. Retirement video, youtube.com, June 2025.“The Fragile Decade: Retirement's Danger Zone,” by Dan Haylett, humansvsretirement.com, June 30, 2025.“Your Brain Has Two Sides. Retirement Needs Both,” by Dan Haylett, linkedin.com, October 2025.“A Plan for Your First 12 Months in Retirement,” Humans vs. Retirement video, youtube.com, 2024.“Few and Deep: The Retirement Lens That Changes Everything,” by Dan Haylett, humansvsretirement.com, Sept. 9, 2025.“Why Retirement Can Feel More Like a Void Than a Victory,” by Dan Haylett, humansvsretirement.com, March 28, 2025.“The Best Things in Retirement Aren't Things at All,” by Dan Haylett, humansvsretirement.com, Feb. 6, 2025.“Don't Let the Fear of the Future Steal Your Retirement Joy,” by Dan Haylett, humansvsretirement.com, Jan. 14, 2025.“Longevity and Brevity: The Two BIGGEST Risks in Retirement,” by Dan Haylett, humansvsretirement.com, Sept. 3, 2024.OtherMichael Finke Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Retiring by 55 sounds incredible, but it takes more than hitting a savings target. You need to understand how to bridge the gap between your last paycheck and the life you want to live.In this episode, Ari Taublieb, CFP®, shares the five things every early retiree should know before calling it quits. From the overlooked “Rule of 55” to navigating healthcare costs and tax traps, this guide helps you move forward with confidence in your plan instead of crossing your fingers.Here's what we cover:The Rule of 55 — how it lets you access 401(k) funds early (and the key mistake that disqualifies you).Healthcare before Medicare — how to budget smartly, use tax strategies, and avoid sticker shock.Taxes & Withdrawal Strategy — why a $2M 401(k) isn't really $2M, and how to create real after-tax income.Legacy Goals — whether you want to leave a million or spend it all, your intentions should drive your plan.Lifestyle & Purpose — how to avoid the “I'm bored already” phase and build fulfillment into your retirement.Retiring early isn't about escaping work, it's about creating a life you don't want to escape from.If you're serious about retiring at 55 (or sooner), this episode helps you think beyond the math so you can design your freedom with purpose.-Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.

Brian Waters was destined to work until he was at least 63 years old. Now, just five years after starting to invest intentionally, he's got 16 rental units that can retire him a decade earlier! How'd he do it? A combination of easy, done-for-you out-of-state investment properties and the ever-profitable BRRRR method. Brian's work isn't sitting at a desk or crunching numbers. He's a firefighter and is routinely one serious injury away from his career being over. With a family to support, losing his work wasn't an option. So, in his 40s, he decided to pivot and go all-in on building a real estate portfolio. He bought a couple of properties in his home state of California before Southern California prices began to eat into his limited savings. So, things had to change. By being extremely clear about his plan, Brian began investing out of state, buying over a dozen properties without ever laying eyes on them. He tried a very beginner-friendly strategy that helped him build his out-of-state portfolio before moving on to the BRRRR method, where he gets paid to buy cash-flowing rentals in areas 99% of investors overlook. In five years, he's completely transformed his financial future, using a method you can, too! In This Episode We Cover The best out-of-state real estate investment for beginners (completely hands-off) How to use the BRRRR method even when you're living thousands of miles away from your investing market  Using your primary residence's equity to fund your first (or next) real estate deal  What to do once you've run out of cash to invest (should you raise private money?) Why you do NOT need to wait until you're 65 to finally retire  And So Much More! Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.biggerpockets.com/blog/real-estate-1198 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠advertise@biggerpockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices