Podcasts about retire

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Plus: Chevron becomes more serious about entering the power business. And Toyota opens a $14 billion battery plant in North Carolina. Zoe Kuhlkin hosts. Sign up for WSJ's free What's News newsletter. An artificial-intelligence tool assisted in the making of this episode by creating summaries that were based on Wall Street Journal reporting and reviewed and adapted by an editor. Learn more about your ad choices. Visit megaphone.fm/adchoices

Jesse returns for the 10th "Ask Me Anything" episode to tackle three listener questions that cut to the core of modern wealth planning. He opens with a deep dive into direct indexing, separating substance from sales pitch. While advocates tout it as the next evolution of indexing—combining personalization and tax-loss harvesting—Jesse explains why, for most investors, the extra complexity, cost, and tracking error outweigh the modest tax advantages, making low-cost ETFs the better long-term choice. Next, he answers a question from a listener whose retirement timeline doesn't align with their spouse's, exploring how couples can navigate income changes, healthcare coverage, and tax strategy when one partner stops working years before the other. He breaks down the pros and cons of filing jointly versus separately, showing why joint filing almost always leads to lower overall taxes and greater flexibility. Finally, Jesse delivers a masterclass on decumulation—the art and order of withdrawing money in retirement. From spending taxable assets first to preserving Roth and HSA accounts for last, he maps out how smart sequencing, Roth conversions, and bracket management can extend portfolio life, minimize taxes, and keep retirees financially steady through every stage of the journey. Key Takeaways:• Direct indexing isn't revolutionary for most investors—it's often an overhyped, higher-cost alternative to low-cost ETFs with limited long-term benefits. • Married filing jointly is almost always the better tax choice, offering lower overall tax rates, higher standard deductions, and broader eligibility for credits. • Before changing filing status, couples should test both scenarios using online 1040 tax calculators to see the real impact on their total tax bill. • Guardrail and Monte Carlo strategies help retirees adjust withdrawal rates dynamically based on market performance, rather than using a rigid 4% rule. • HSAs can be used as stealth retirement accounts, reimbursing decades-old medical expenses tax-free or even acting as traditional IRAs after age 65. • The key to successful retirement planning is flexibility—balancing tax efficiency, market uncertainty, and personal goals to ensure sustainable income for decades. Key Timestamps:(02:24) – Tax Loss Harvesting: Strategies and Examples (10:06) – Direct Indexing: Pros and Cons (17:18) – Financial and Tax Planning for Lopsided Retirements (24:09) – Retirement Withdrawal Order of Operations (32:39) – Real-Life Financial Planning Experiences (40:56) – Roth Conversions and Tax Bracket Management (45:37) – Optimizing for Post-Death and Social Security Timing (52:26) – Common Mistakes in Retirement Withdrawal Strategies Key Topics Discussed:The Best Interest, Jesse Cramer, Wealth Management Rochester NY, Financial Planning for Families, Fiduciary Financial Advisor, Comprehensive Financial Planning, Retirement Planning Advice, Tax-Efficient Investing, Risk Management for Investors, Generational Wealth Transfer Planning, Financial Strategies for High Earners, Personal Finance for Entrepreneurs, Behavioral Finance Insights, Asset Allocation Strategies, Advanced Estate Planning Techniques Mentions:https://bestinterest.blog/retirement-withdrawal-order-of-operations/ https://www.guidestone.org/resources/education/calculators/tax/tax1040 https://bestinterest.blog/0-capital-gains-vs-roth-conversions-how-to-optimize-in-your-financial-plan/ https://bestinterest.blog/spousal-survivor-divorced-social-security/  More of The Best Interest:Check out the Best Interest Blog at https://bestinterest.blog/ Contact me at jesse@bestinterest.blog Consider working with me at https://bestinterest.blog/work/ The Best Interest Podcast is a personal podcast meant for education and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.  

In this powerful episode of Retire in Texas, host Darryl Lyons, CEO and Co-Founder of PAX Financial Group, is joined by Sarassa Inglis, Executive Director at Ransomed Life, and Roger Stukkie, Financial Advisor at PAX and a board member at Ransomed Life. Together, they shed light on the realities of child sex trafficking and exploitation happening right here in our local communities, and how Ransomed Life has been providing hope, healing, and mentorship for the past ten years. In this episode, you'll hear: The truth about human trafficking in San Antonio - and why it's not just a border issue How Ransomed Life's mentorship and counseling programs help victims rebuild their lives. Ways that listeners can volunteer, donate, or become mentors. Details about Ransomed Life's 10-Year Celebration at the Witte Museum. How purpose and service can transform your "second chapter" of life. To learn more about Ransomed Life or to get involved, visit www.ransomedlifetexas.org. If you benefitted from today's episode, feel free to share it with your family and friends!

In this video, we reveal a shocking truth that most investors overlook: you may need far less Bitcoin to secure your financial freedom than you've been told. A leading Bitcoin expert breaks down the math behind long term adoption, supply scarcity, and the staggering future purchasing power of a capped digital money. Follow Ben on X: https://x.com/bensig Please Like, Share, and Subscribe to my channel!

This month we tackle a topic we haven't talked much about...Forced Retirements. Anthony Napolitano had a very successful career in the high-tech world. Then he was laid off not once, but twice by two big corporations right around when he was 50 years old. That was two years ago, and since then he has plunged into the world of early retirement with great enthusiasm, (which is an understatement.) His friends joke that he doesn't have a "Type A personality," he has a "Type-Anthony personality".  Anthony has an analytical mind and devised a personalized Life Retirement Plan. He bases his plan on the four pillars of Health, Mindset, Purpose and Relationships. He even grades himself every year. He was a star baseball player in high school and then went on to play four years of college division 1 baseball at Loyola-Marymount College. So in (un)retirement, Anthony is a natural as a high school coach. He loves being the assistant coach for the girls volleyball team. He also works as a wine educator at a local winery in his tiny mountain town of Julian, CA, just outside of San Diego. He does a little bit of everything at the winery, from picking grapes to hosting wine tasting events. You will love Anthony. He's full of wonder and personality. Although Carl points out that he is the star of the podcast, Anthony clearly steals this month's show. • More about Anthony Napolitano: https://www.linkedin.com/in/anthonynapolitano • Anthony's Blog "For the Napos": https://forthenapos.com • Episode Content: https://pickleballmediahq.com/blog/anthony-napolitano-interview-rorced-into-early-retirement-and-now-a-renaissance-man • Sponsored by How to Retire and Not Die:  https://garysirak.com/how-to-retire-and-not-die • Sponsored by Capital Advantage: https://capitaladvantage.com/promotion/retirement-planning-guide • I Used to be Somebody World Tours:  https://pickleballmediahq.com/tour/all-tours • Subscribe to I Used to be Somebody newsletter:  https://pickleballmediahq.com/contact/subscribe  

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

If you've spent any time on social media or read personal finance blogs, you've likely encountered a buzz around Roth IRAs and, specifically, Roth conversions. This week I'm discussing the details of Roth conversions, what they are, how they work, and why they're crucial for those looking to optimize their retirement finances. Roth IRAs hold a special appeal: the promise of tax-free income in retirement. And most people would agree that having tax free income in retirement is preferable over having taxable income. Yet, for many people, especially those in their 50s and older, most of their retirement savings sit in pre-tax accounts such as traditional IRAs or 401(k)s. Roth conversions offer a pathway for transforming those tax-deferred assets into tax-free retirement income. This episode is packed with practical insights to help you make informed decisions about your financial future. Tune in to learn more and get ready to take your retirement planning to the next level! You will want to hear this episode if you are interested in... [00:00] The appeal of tax-free income during retirement. [04:43] Key rules for Roth conversions. [08:53] Roth conversion strategies for wealth. [11:58] Roth IRA conversion strategy. [14:47] Roth conversion planning tips. Breaking Down Roth IRA Conversions A Roth IRA conversion involves moving funds from a pre-tax retirement account, like a traditional IRA or 401(k), into a Roth IRA. This process requires you to pay taxes now on the amount you convert, but it grants you future tax-free withdrawals. Anyone with pre-tax retirement funds can consider a conversion, but it's important to understand the rules: Every time you do it, it starts a new five year holding period on the money. If you withdraw converted funds too soon, you might face taxes or penalties. One clever strategy we'll discuss is the Roth conversion ladder. By converting sums incrementally over several years, you gradually move money into the Roth IRA, allowing each batch to satisfy the five-year holding requirement. This helps maximize flexibility and minimize penalties if you need access in retirement. Who Should Consider Roth Conversions? So, who stands to gain the most from Roth conversions? Here are a few key candidates: Those anticipating higher future tax rates: If you're in a low tax bracket now but expect to be in a higher one later, converting at today's lower rates can save you significant money down the road. Anyone wishing to avoid required minimum distributions (RMDs): Roth IRAs aren't subject to RMDs, making them valuable for those who want more control over retirement withdrawals. Individuals aiming to leave a tax-free inheritance: Paying conversion taxes now could shield heirs from larger tax bills, especially if they'll be in a higher bracket. Retirees seeking flexibility: Having both taxable and tax-free buckets to draw from allows for smart tax-efficient withdrawals. Timing is also critical. Converting in years when your income dips, due to sabbaticals, career changes, or early retirement, can dramatically lower the tax impact of conversion. How to Calculate If a Roth Conversion Makes Sense It's tempting to jump into conversions, but I advise running the numbers. Consider a hypothetical: If you convert $50,000 at a 12% federal and 5.5% state tax rate, you pay $12,055 in taxes upfront. If you left the funds in a traditional IRA and paid taxes on withdrawals in retirement at a similar rate, the outcome might be similar, but if future rates rise, the Roth wins out. The more time your converted money has to grow, the greater the tax-free benefit. And if you can pay conversion taxes from outside the retirement account, your Roth can grow even more efficiently. Steps to Execute a Roth IRA Conversion Ready to act? Here's an overview of the process: Open a Roth IRA at your provider. Transfer funds from your pre-tax account. Decide how much to convert and how you'll pay the taxes (from conversion or other accounts). Complete the paperwork. Invest the funds, you want growth! Report conversions on your taxes, especially using IRS Form 8606. Roth conversions are a powerful but nuanced strategy. If you're nearing retirement, anticipate higher future tax rates, or want flexibility and legacy benefits, it may be time to explore this option. I'd advise you to consult a financial advisor familiar with your specific circumstances before you make any financial decisions, doing so ensures your Roth conversion fits seamlessly into your broader retirement plan, maximizing tax-free growth for years to come. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  Charles Schwab Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan

Valuations for many stocks in the S&P 500 are at sky high levels, and for many of these companies, the math on the growth projections simply doesn't add up, which historically has been catastrophic for investors when the music stops playing. Welcome to Retire with Ashley, your guide to preparing for and living your best retirement. I'm your host Ashley Micciche, and today, I am joined by Kevin Caron, senior portfolio manager and co-founder at Washington Crossing Advisors.  Here's is today's interview segment with Kevin Caron…  

Send us a textMultiple accounts mean more complicated record keeping, retirement planning, and tax preparation. The bottom line is, it's just harder to keep track of multiple accounts across multiple platforms.Is it time to consolidate financial accounts?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

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

Join the community built to help you master your money, stay accountable, and reach financial freedom.

Everyone's wondering if this is the worst time to retire. With high valuations, stubborn inflation, and constant uncertainty, it's easy to feel uneasy about your timing. In this episode, we look at what history teaches from past "lost decades," why the order of returns matters, and how to protect your plan without panic. You'll learn three ways to prepare just in case: build a spending bucket, stress-test your plan, and rethink your risk exposure. Retirement success isn't about timing the market. It's about preparation and peace of mind. Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms. 

BYU head coach Kalani Sitake weekly presser Good, Bad & Ugly Whole World News

In this episode of the Smart Wealth & Retirement Podcast, financial advisors and retirement planners Jim Martin & Casey Bibb of Martin Wealth Solutions tackle one of the most common retirement questions — “Do I really need $1.5 million to retire comfortably?” Jim and Casey break down where that number comes from, why it's often misunderstood, and what truly determines how much you need. They discuss the key variables that shape your retirement number — lifestyle, spending habits, healthcare, taxes, and longevity — and explain how income planning can often matter more than your total account balance. Whether you're just starting to save or approaching the finish line, this episode helps you replace the guesswork with a plan that fits your real life — not a headline.

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.

Valuations for many stocks in the S&P 500 are at sky high levels, and for many of these companies, the math on the growth projections simply doesn't add up, which historically has been catastrophic for investors when the music stops playing. Welcome to Retire with Ashley, your guide to preparing for and living your best retirement. I'm your host Ashley Micciche, and today, I am joined by Kevin Caron, senior portfolio manager and co-founder at Washington Crossing Advisors.  He published a piece on his website back on September 9, 2025, called the Illusion of perpetual growth, and that was really the catalyst for this discussion today. I wanted to have him on to talk more about what the market is assuming today about the growth trajectory of stocks, and what that means for investors.  Kevin - welcome to the podcast! It's an honor to have you here! 

Alex Gailey, Personal Finance Data Reporter and analyst at Bankrate, joins Lisa Dent to discuss the slow progress toward equal pay. Alex shares how minorities have wider pay gaps in comparison to their white male counterparts and what limits women in the workforce.

In this episode, we go over who we think is going to be in John Cena's Final Match tournament, including which non-WWE wrestlers could appear in it, what WWE War Games matches could get added to the card, and what the WWE War Games teams will be!Check Out Our Merch: https://www.teepublic.com/user/the-burning-hammerJoin Our Patreon:https://www.patreon.com/TheBurningHammerFollow Us On Social Media!X: https://twitter.com/theburnthammerInstagram: https://instagram.com/theburninghammerTikTok: https://tiktok.com/theburninghammer

Natalie interviews three recent olim, all retirees. Chaim Stricker, a former school teacher, made aliyah from New Jersey to Arad with his wife and five dogs in 2024. The couple bought a home and settled in. Chaim volunteers teaching english at a religious school in the neighborhood, and has been setting up house, getting to know the banking system, government services, and more. Dr. Malkah Benshir and her husband Shmuel moved from Olney, Maryland to Bat Yam. Dr. Benshir volunteers in seven different clinics and hospitals, and the couple take hebrew ulpan lessons for retirees twice a week. They live in an apartment by the sea. These guests chose retirement in Israel small towns, vs. the USA. Neither couple is fluent in Hebrew, but they get by just fine. Hear their stories! Returning Home 09NOV2025 - PODCAST

Have you ever wanted to see what would happen if you actually sat down and did that budget?This week’s Money Diarist actually did it and everything changed. After hitting rock bottom, the stress of trying to keep up finally broke her. One “yes” to a holiday with her partner she couldn’t afford turned into tears in the car and the realisation that something had to give. So she did what any of us would do, opened Google and typed “female finance book”. She came across She's on the Money, read the book and decided to put everything into action... and this is her money diary 5 years on (spoiler: she's thriving). SEE OUR BUNDLE SALE FOR UP TO 30%: Where you can get Victoria's budgeting system & learn to invest.Ready to binge more relatable, inspiring, and downright juicy money stories? Check out our ultimate Money Diaries playlist. Listen now Join our Facebook Group AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+. And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 4See omnystudio.com/listener for privacy information.

3pm: Holiday Flight Cancellations from Government Shutdown // Seattle Emergency Food Funding // Tukwila Families Turn to Free Market Amid SNAP Aid Gap // Nancy Pelosi to Retire // Sports Preview: Andy Dooley Previews Hawks vs. Cardinals Game

In this video, we reveal a shocking truth that most investors overlook: you may need far less Bitcoin to secure your financial freedom than you've been told. A leading Bitcoin expert breaks down the math behind long term adoption, supply scarcity, and the staggering future purchasing power of a capped digital money. Please Like, Share, and Subscribe to my channel!

Three more suspects, including two affluent New Jersey teens, are now charged in a foiled ISIS-inspired Halloween terror plot, bringing the total to five. The FAA is cutting up to 10% of flights at 40 major airports as the government shutdown enters week six, triggering nationwide delays. President Trump announces a deal with Eli Lilly and Novo Nordisk to slash the cost of popular GLP-1 weight-loss drugs like Wegovy and Ozempic to about $350 through a new program called TrumpRX. Former House Speaker Nancy Pelosi, 85, announces she will not seek reelection after nearly four decades in Congress and two impeachments of President Trump. Geviti: Go to https://gogeviti.com/megynand get 20% off with code MEGYN. Walmart: Learn how Walmart is fueling the future of U.S. manufacturing at https://Walmart.com/America-at-work Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In episode 1961, Jack and Miles are joined by co-host of Secretly Incredibly Fascinating, Alex Schmidt, to discuss… FAA To Start Canceling Flights On Friday, Nancy Pelosi Is Finally Retiring… In Two Years, Meta Is Really Taking Ad Industry Jobs Over With AI and It Looks Like Sh*t, Tom Brady Turns Dead Dog Into Sponsored Content and more! U.S. government shutdown to force flight reductions at 40 'high-traffic' airports Nation’s busiest airports face FAA’s cut in flights, initial list shows Which Times of Year are the Busiest for Air Travel in the US? Pelosi Plans to Retire in 2027 After 39 Years in Congress Pelosi is out. Expect heavy campaigning in CA — and cues for senior Dems in DC to follow suit. Meta Is Really Taking Ad Industry Jobs Over With AI and It Looks Like Sh*t Tom Brady Turns Dead Dog Into Sponsored Content We Can Clone Pet Dogs – But is that a Good Idea? The Real Reasons You Shouldn’t Clone Your Dog Tom Brady Says He Cloned His Dog. Cue the Critics. NFL great Tom Brady says his dog is a clone of family’s deceased pit bull mix Tom Brady Cloned His Dead Dog As A Brand Activation Tom Brady Cloned His Dog With a Company That Wants to Do a Jurassic Park Colossal Is The Real Life Blockbuster of ‘Jurassic Park’ and ‘Indiana Jones’ With Celebs Like Tom Brady Behind It ‘It won’t end like Jurassic Park!’ The man who wants to bring the mammoth and dodo back to life Colossal's de-extinction campaign is built on a semantic house of cards with shoddy foundations — and the consequences are dire Reviving the woolly mammoth isn’t just unethical. It’s impossible Report: Colossal Biosciences A Genetic Dating App Is a Horrifying Thing That Shouldn’t Exist LISTEN: Radiohead Dub by LockerzSee omnystudio.com/listener for privacy information.

Today's Headlines: House Democrats want no-longer-Prince Andrew to testify about his ties to Jeffrey Epstein. Meanwhile, Nancy Pelosi announced her retirement, with California Sen. Scott Wiener emerging as the establishment pick — though AOC's ex–campaign manager Saikat Chakrabarti plans to run too. A federal judge ruled again that Trump must fully fund SNAP benefits by today, but the DOJ is appealing. Trump also struck a deal with Eli Lilly and Novo Nordisk to cap Ozempic-style drugs at $50 for Medicare and Medicaid patients next year. In smaller but iconic justice news, the D.C. “sandwich guy” who threw a sub at an ICE agent was found not guilty of assault. The Heritage Foundation is in “open revolt” after its president defended Tucker Carlson for hosting white supremacist Nick Fuentes. Staffers, including members of its antisemitism task force, have quit. Meanwhile, FIFA announced a mysterious new “peace prize” ahead of the World Cup draw in D.C., which insiders say Trump demanded after missing out on a Nobel. And Tesla's board is set to hand Elon Musk a $1 trillion compensation deal. Resources/Articles mentioned in this episode: Politico: House Oversight Democrats call on embattled royal Andrew Windsor to testify - Live Updates Politico: California's attorney general endorses Scott Wiener to succeed Pelosi NYT: Judge Orders Trump Administration to Fully Fund SNAP Benefits This Month WaPo: Trump, long fixated on ‘fat drug,' announces deal to lower its price WaPo: Jury finds D.C. ‘sandwich guy' not guilty of assaulting officer WaPo: Heritage staff in open revolt over leader's defense of Tucker Carlson Axios: Trump teased as possible first FIFA Peace Prize winner CNBC: Elon Musk expected to prevail in Tesla shareholder vote over CEO's $1 trillion pay plan  Morning Announcements is produced by Sami Sage and edited by Grace Hernandez-Johnson Learn more about your ad choices. Visit megaphone.fm/adchoices

Topics discussed on today's show: Favorite Thanksgiving Side Dish, Airport Cancellations, Journey Tour, Down to Retire, Birthdays, Diamond Found, Matt's Huge Penis, History Quiz, Bass Pro Shop Fight, Premonitions, Another Raccoon Saved, Nations Dumbest, Stay Or Go: Chuckie Brown, Probably White, and Apologies.

In this hour, Brad and Ryan discuss how Nancy Pelosi has finally decided to take a step back and not run for re-election into Congress, retiring after nearly 40 years in Congress. What's her legacy and how will she be remembered in US politics?

Nancy Pelosi will retire (finally!), SNAP abuses that will make taxpayers angry, activists want the Dodgers to snub a White House invite, Prop 50 is getting sued, and more! Guest: Monica Paige

In our news wrap Thursday, former House Speaker Nancy Pelosi will not run for re-election next year, the Supreme Court is letting the Trump administration block transgender and non-binary people from choosing their own gender identity on passports and a jury in Virginia awarded $10 million to the former teacher who was shot by her six-year-old student in 2023. PBS News is supported by - https://www.pbs.org/newshour/about/funders. Hosted on Acast. See acast.com/privacy

If you're in your 50s and wondering how to retire within the next decade, this episode is for you. Tony and Derek pick up where last week's discussion left off, revealing the final five tips to strengthen your financial plan and protect your retirement dreams.They dive deep into practical strategies—protecting against inflation, managing healthcare costs, optimizing insurance, stress-testing your plan, and building a retirement lifestyle that's both realistic and rewarding.You'll learn how to: ✅ Hedge your nest egg against inflation's hidden impact ✅ Maximize HSA and health-care planning strategies ✅ Reevaluate insurance coverage and eliminate unnecessary costs ✅ Stress-test your plan for market downturns and tax changes ✅ Build a bucket-list lifestyle without breaking your budgetIt's not just about retiring—it's about retiring right.

Senate Republicans and Senate Democrats hold lengthy, separate, private meetings on Day 37 of the federal government shutdown strategizing on how to end the stalemate. Republicans may bring to a vote a new proposal that includes some regular spending bills and a promise for a vote on extending health insurance premium tax credits; President Donald Trump comments on plans to cut 10% of airline flights at 40 of the busiest U.S. airports due to air traffic controller staffing shortages during the government shutdown; House Speaker Emerita Nancy Pelosi (D-CA) announces she will not run for reelection after nearly 40 years in Congress; President Trump announces a deal with the makers of popular weight loss drugs to drastically cut prices; Senate defeats a resolution that would have blocked the President from conducting military operations against Venezuela; leaders of five Central Asian countries are in Washington as the Trump Administration looks to secure new sources of rare earth minerals. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this high-impact episode of Live Life by Design, Jeff Mendez is joined by Ryan Lee — real estate investor, educator, and co-author of Retire in 10 Years or Less. Together, they challenge traditional financial advice, unpack how to escape the “retirement trap,” and explore what it really means to live life by design. From smart tax strategy to redefining freedom, this conversation is packed with real talk, actionable insights, and powerful perspective shifts for anyone ready to take control of their time, money, and purpose.Timestamps:00:00 Welcome & Life Update01:06 Retire in 10 Years or Less02:14 Real Estate Beginnings03:54 Rich Dad, Poor Dad Takeaways05:15 Savers Are Losers06:00 Debt is Money08:10 The Tax Code & Patriotism11:06 Inflation as a Hidden Tax13:12 Playing the Tax Game Smart17:06 Favorite Chapter of the Book19:06 The 3 Investing No-Nos23:27 Financial Freedom is a Lifestyle26:59 The Day Ryan Quit His Job30:25 Advice for People Feeling Stuck32:00 Life Insurance & Legacy34:00 The 3 Questions That Change Everything38:00 The Ownership Economy40:01 Last Words of Wisdom42:15 Where to Get the Book43:34 What's Next for Ryan Lee44:33 Closing Remarks Hosted on Acast. See acast.com/privacy for more information.

Target-date funds just passed $4 trillion in assets. They're now the default investment in many 401(k)s, and millions of Americans are using them without really understanding how they work. So, are they a smart choice… or just the easiest one? Let's look closer at the rising popularity of target-date funds and explain what you really need to know if your 401(k) is riding on one. These "set it and forget it" options offer built-in diversification and automatic rebalancing, but they're not a one-size-fits-all solution. You'll learn how target-date funds work, why they became the default choice after the 2008 financial crisis, and what they do (and don't) protect you from as you near retirement. The guys also break down common misconceptions, why these funds never go 100% conservative, and when it might make sense to switch strategies. Here's some of what we discuss in this episode:

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In our news wrap Thursday, former House Speaker Nancy Pelosi will not run for re-election next year, the Supreme Court is letting the Trump administration block transgender and non-binary people from choosing their own gender identity on passports and a jury in Virginia awarded $10 million to the former teacher who was shot by her six-year-old student in 2023. PBS News is supported by - https://www.pbs.org/newshour/about/funders. Hosted on Acast. See acast.com/privacy

In this week's episode of Retire in Texas, host Darryl Lyons, CEO and Co-Founder of PAX Financial Group, explores a fascinating question supported by years of research: why do studies suggest that women often achieve different investing results than men? Darryl unpacks two key reasons - overconfidence and impulsiveness - and how humility and patience can support more thoughtful, long-term decision-making. He shares personal stories, including how his own wife's encouragement shaped his career, and how engaging a spouse in financial decisions can foster stronger communication and perspective. You'll also hear how legendary investors like Warren Buffett credit their success to temperament over intellect - and why that same mindset can help individuals stay grounded in their approach to investing and relationships. Key highlights include: Why studies show women earn ~2% higher annual returns than men. How overconfidence and impulsive trading can hurt performance. The importance of engaging your spouse in financial decisions. Lessons from the Bush family, Warren Buffett, and real-life examples. Biblical insight from Genesis 2:18 on partnership and harmony. Listen to more episodes here: https://PAXFinancialGroup.com/podcasts If you benefitted from today's episode, feel free to share it with your family and friends! Resource:  https://www.fool.com/research/women-in-investing-statistics/

Are you looking at your retirement finances and think it is time to find a new town that id affordable? Where real estate, rent, and cost of living aren't crazy.Well, today we look at where you can live on $1900 a month in the Pacific North West of the United States.These are some of the cheapest places to retire in Oregon, Washington, and Idaho.Email: World2Briggs@Gmail.comDo you want to move to that perfect place?Do you need a local Realtor for the area you want to move to? HomeAndMoney.com can help: Use this link: https://homeandmoney.com/briggs/New Merch https://briggs-azm-shop.fourthwall.com/products/this-place-sucksSponsorship Inquiries:WorldAccordingtoBriggs@outloudtalent.com

Worried that the "magic number" of a $1M won't be achieved? We run the math on a $500K nest egg and show how the right levers—timing, taxes, and total-return investing—can still deliver a confident retirement. You'll also hear when part-time work or a slight delay meaningfully boosts sustainability, how home equity fits in, and why chasing double-digit yields is the fastest way to drain a portfolio. Save Your Spot for the 6 Retirement Upgrades Webinar. Make sure to check out the complete show notes. X: @TheDividendGuy FB: http://bit.ly/2Z7Q5gF YouTube: http://bit.ly/2Zs6r1r DividendStocksRock.com Retirement Loop

La Xunta pide al Gobierno que "retire el recurso de inconstitucionalidad contra Galicia" por las medidas de repotenciación

FEATURING: Jim Brangenberg ORGANIZATION: iRetire4Him Retirement isn’t a biblical “off-ramp” from purpose. Scripture calls believers to live on mission as long as they have breath. Instead of drifting into a leisure-first mindset, Jim encourages listeners to view retirement as a God-assigned season of influence, service, and legacy. That’s why Jim and Martha want to send you the iRetire4Him book at no cost (just cover shipping). It equips you to approach retirement with clarity, calling, and joy. Inside, you'll discover guidance such as: • Why retirement should shift from comfort to Kingdom purpose • How staying rooted near family and community strengthens generational impact • Practical ideas for serving as a “fully funded missionary” in retirement • Encouragement for investing in younger families who need wisdom and presence Ready to plan and execute your retirement with Kingdom impact? Email Jim@iWork4Him.com to request your free copy of iRetire4Him: Unlock God’s Purpose for Your Retirement – just pay shipping (ships to US residents only). P.S. – Read the first chapter for free!See omnystudio.com/listener for privacy information.

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

Retirement planning is an ever-evolving process, and staying informed about changes to Social Security, Medicare, and tax limits is crucial to making the most of your golden years. On this episode of Retire with Ryan, I'm sharing important updates on the 2026 Social Security cost of living adjustment (COLA), projected changes to Medicare Part B premiums, and strategies for managing income in retirement.  The newly announced cost-of-living adjustment (COLA) for 2026 will see benefit checks rise by 2.8%. I break down how the yearly adjustments are calculated, why they matter for seniors, and the impact of inflation on Social Security. I also discuss the expected jump in Medicare Part B premiums, what IRMAA means for higher-income retirees, and important changes to the Social Security wage base and retirement earnings limits.  Whether you're thinking about when to start your benefits or you want to strategize your retirement income, this episode will give you practical tips and resources to help you make the most of your retirement planning.  You will want to hear this episode if you are interested in... [00:00] Social Security cost-of-living adjustment (COLA). [02:54] COLA trends and historical adjustments. [04:48] Social Security benefit updates. [10:56] Social Security earnings limit explained. [11:56] Social Security and Medicare updates. What to Expect from Social Security COLA for 2026 After a brief delay caused by a government shutdown, the Social Security Administration (SSA) announced that benefit checks will rise by 2.8% beginning January 2026. This increase is slightly higher than last year's 2.5% and a bit less than the 2024 bump of 3.2%. While not the largest adjustment in history, any increase helps seniors keep pace with the rising costs of essentials like groceries, taxes, and insurance. How is COLA Calculated? SSA bases COLA changes on the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W), specifically by comparing the average index for each month in the third quarter of one year to the same period in the previous year. Since 1972, this approach has pegged benefit adjustments to actual inflation, providing a more predictable and timely increase for beneficiaries. Beneficiaries will receive details about their new benefit amounts in early December. Medicare Part B Premiums The base premium for Medicare Part B is predicted to rise from $185 to approximately $206.50 per month in 2026, a significant increase of roughly 11.6%. Final figures will be released later, but even preliminary estimates suggest a noticeable impact, especially for fixed-income retirees. Income Related Monthly Adjustment Amount (IRMAA) may add further costs to your Medicare premiums if your income exceeds certain thresholds. For 2026, your IRMAA status will be determined by your 2024 tax return, due to a two-year lag in income reporting. Higher earners could see premiums up to $443.90 per month, so it's critical to strategize IRA distributions and capital gains to avoid unnecessary surcharges. If your financial situation changes, such as a recent retirement, you may appeal IRMAA charges using Form SSA-44. Ryan Morrissey recommends reviewing prior episodes and his blog for more on appealing IRMAA. Social Security Taxes and Retirement Income Limits The maximum wage base for Social Security taxes will jump to $184,500 in 2026 (up from $176,100), meaning any income above this threshold won't be subject to Social Security tax.  Retirees collecting Social Security before full retirement age must monitor their earned income. For 2026, the limit rises to $24,480. Earnings above this cut-off will reduce your Social Security benefit by $1 for every $2 earned. Once you reach your full retirement year, the earnings limit increases sharply to $65,160, and after your birthday, there's no limit. The latest updates to Social Security and Medicare reflect ongoing efforts to help retirees keep pace with inflation and evolving economic conditions. Successful retirement isn't just about knowing the numbers, it's about strategizing your income to minimize taxes, avoid excess premiums, and maximize your benefits.  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

Send us a textManaging expectations is not about reaching a particular goal, or even attaining a certain financial level.  Managing expectations has much more to do with mindset and happiness. 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

You always hear talk about retiring early... but is it actually realistic? From savings rates and side hustles to emotional readiness and the risk of post-retirement depression, Josh explores the pros and cons of the FIRE movement, and blind spots people forget to plan for. Can't get enough of The Financial Quarterback? Click ‘Subscribe' so you never miss a play. If you're enjoying the show, leave a 5-star rating and drop a review—it helps keep the game going!

Scott Galloway answers listener questions on the wave of subscription price hikes and why recurring revenue gives companies pricing power. He then lays out a simple playbook for making the most of a gap year before law school, and weighs the ethics and practicality of retiring early when layoffs loom. Want to be featured in a future episode? Send a voice recording to officehours@profgmedia.com, or drop your question in the r/ScottGalloway subreddit. Learn more about your ad choices. Visit podcastchoices.com/adchoices

At first, it looked like age catching up with former police chief Rick Young: confusion, fatigue, a flutter in the chest. No one suspected that the woman he had trusted for decades was quietly planning his death. This week on Pathology with Dr. Priya, a Zone 7 series, Sheryl McCollum and Dr. Priya Banerjee discuss the case of Marcy Oglesby, who, over several months, secretly mixed over-the-counter eye drops into Young's food and drinks. When his body was later discovered inside a storage unit, toxicology revealed lethal levels of tetrahydrozoline, the active ingredient in common eye drops. Dr. Priya explains how this drug attacks the cardiovascular system, why it is almost undetectable without targeted testing, and what makes poisonings like this so difficult to identify until it's far too late. Highlights (0:00) Welcome to Pathology with Dr. Priya: A Zone 7 series—Sheryl McCollum introduces the Marcy Oglesby case and the death of retired Police Chief Richard “Rick” Young (0:45) How Oglesby slowly poisoned her partner with tetrahydrozoline-laced food and drinks (2:15) Dr. Priya explains why eye-drop poisonings are rare and absent from most toxicology panels (6:00) Early symptoms: numbness, confusion, fluctuating blood pressure, and blue lips (8:00) Why doctors might miss the signs of tetrahydrozoline poisoning and attribute symptoms to age or heart disease (10:00) The estimated lethal dose and how even a small mouthful can cause heart-block death (13:45) Trust, dependency, and opportunity: the dynamics that let the poisoning continue undetected (20:30) What Rick Young likely endured in his final days: chest pain, dizziness, and slow suffocation (25:45) Closing reflections and Dr. Priya’s reminder that every case is a lesson About the Hosts Dr. Priya Banerjee is a board-certified forensic pathologist with extensive experience in death investigation, clinical forensics, and courtroom testimony. A graduate of Johns Hopkins, she served for over a decade as Rhode Island’s state medical examiner and now runs a private forensic pathology practice. Her work includes military deaths, NSA cases, and high-profile investigations. Dr. Priya has also been featured as a forensic expert on platforms such as CrimeOnline and Crime Stories with Nancy Grace. She is a dedicated educator, animal lover, and proud mom. Website: anchorforensicpathology.comTwitter/X: @Autopsy_MD Sheryl McCollum is an Emmy Award–winning CSI, a writer for CrimeOnline, and the Forensic and Crime Scene Expert for Crime Stories with Nancy Grace. She works as a CSI for a metro Atlanta Police Department and is the co-author of the textbook Cold Case: Pathways to Justice. Sheryl is also the founder and director of the Cold Case Investigative Research Institute (CCIRI), a nationally recognized nonprofit that brings together universities, law enforcement, and experts to help solve unsolved homicides, missing persons cases, and kidnappings. Email: coldcase2004@gmail.comTwitter/X: @ColdCaseTipsFacebook: @sheryl.mccollumInstagram: @officialzone7podcast

How Therapists Retire: Planning, Ethics, and Letting Go of the Work You Love – An Interview with Lynn Grodzki, LCSW and Margaret Wehrenberg, PsyD Curt and Katie talk with Lynn Grodzki and Margaret Wehrenberg about how therapists can plan for retirement with intention and integrity. They explore the emotional, ethical, and practical considerations of closing a practice, navigating readiness, and redefining identity after a lifetime of therapeutic work. About Our Guests Lynn Grodzki, LCSW-C, MCC is a pioneer in private practice development and the author of six influential books on therapy and coaching.Margaret Wehrenberg, Psy.D. is an internationally recognized expert on anxiety and depression and the author of 13 books, including The 10 Best-Ever Anxiety Management Techniques. Together, they offer a rare blend of clinical experience, practical strategies, and heartfelt compassion. Key Takeaways for Therapists Retirement is one of the most consequential transitions in a therapist's professional life. Lynn and Margaret's Readiness for Retirement Model helps therapists plan across four stages: pre-contemplation, contemplation, preparation, and action. Planning early supports ethical closure and a smoother emotional process for both therapist and client. Common barriers include guilt, grief, and identity shifts—as well as lack of business or financial planning. Creating a professional will and protecting intellectual property are essential parts of ending well. Therapists can honor their legacy by recognizing the lasting impact of their work and embracing new opportunities in retirement. For more information and full show notes Visit: mtsgpodcast.com Join the Modern Therapist Community Linktree Creative Credits Voice Over by DW McCann Music by Crystal Grooms Mangano

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