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I've never been more physically mangled in a podcast episode. We invited former WWE wrestler Sledgehammer onto other show and they taught me a few moves (without much respect or bodily awareness). Perhaps this is why the Sledgehammer has retired and now tends to their succulent shop. We learn about their journey from early wrestling days and we pick up a few tips from this green thumb. To follow Sledgehammer's unique journey and stay updated on their succulent shop and upcoming shows, find them on Instagram @stevieshale. Cam is also performing his solo show, Just To Be Close To You, throughout July and August all over the world. You can catch his tour dates at his link in bio on Instagram @camoncam69. Get close with us! Follow Sex Talk With My Mom (@sextalkwithmymom), Cam Poter (@camoncam69), and KarenLee Poter (@karenleepoter) on Instagram, YouTube, and TikTok! #SexTalkWithMyMom #StevieShale #Sledgehammer #WWE #WWF #Succulents #Greenhouse #Greenthumb #Plants #Clowns #Comedy #CamPoter #KarenLeePoter #FunnyPodcast Chapters 0:00 - Intro 02:45 - Meet Retired WWE Wrestler “Sledgehammer” 04:00 - Sledgehammer's Transition to Succulent Shop Owner 10:11 - Game Segment: "Succulent or Wrestler" 20:34 - Discussion on the Reality of Wrestling 22:25 - Sledgehammer Teaches Cam Some Moves 30:55 - Game Segment: "Beefin' or Queefin'" 34:36 - Wrap Up and Upcoming Shows Please support our show and get discounts on our favorite brands by using our sponsors' links at sneakypod.com! FLESHLIGHT – Our sponsor, FLESHLIGHT, can help you reach new heights with your self-pleasure. FLESHLIGHT is the #1 selling male sex toy in the world. Looking for your next pocket pal? Save 10% on your next fleshlight with Promo Code: SNEAKY at fleshlight.com. ❣️You can view many of our full episodes in video form by going to our YouTube channel. Join our sparkling new Sneaky Freak chatroom on Discord! Just visit: https://discord.gg/jJZqkUw3dV. To gain exclusive access to all our Discord channels, join us at Patreon.com/sextalkwithmymom. If you've enjoyed the show, please consider leaving us a review at RateThisPodcast.com/Mom. Also, it would mean the world if you'd support us through Patreon.com/sextalkwithmymom – a platform where you can get exclusive STWMM bonus episodes and Zoom chats with us! Grab some Sex Talk w/ My Mom swag at sextalkwithmymom.com. Get close with us on socials at: Text us - 310-356-3920 Facebook/Instagram - @SexTalkWithMyMom Twitter - @SexTalkWMyMom Website - www.SexTalkWithMyMom.com Our podcast's music was crafted by the wildly talented Freddy Avis! Check out his work at http://www.freddyavismusic.com/ Sex Talk With My Mom is a proud member of Pleasure Podcasts, a podcast collective revolutionizing the conversation around sex. Learn more about your ad choices. Visit megaphone.fm/adchoices
Send us a textJoin me as I interview Cindy Terry, a unique Retiree with a special outlook on life.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
In this episode of the Smart Wealth & Retirement Podcast, financial advisors and retirement planners Jim Martin & Casey Bibb of Martin Wealth Solutions break down five key types of investments you should understand before retiring. They explore the roles of stocks, bonds, real estate, annuities, and cash equivalents in building a resilient retirement portfolio. Jim and Casey explain how each investment works, the risks and rewards involved, and how to align them with your goals. Whether you're a conservative investor or willing to take on more risk, this episode helps you make more informed financial decisions as you approach retirement. Want to work with us? Visit: http://retirewithmartin.com/ Learn more: www.planwellretirehappy.com 00:00 Welcome and Introduction 00:35 Why Knowing Your Investments Matters 01:22 #1: Stocks – Growth and Volatility 03:30 #2: Bonds – Income and Stability 05:45 #3: Real Estate – Passive Income and Property Ownership 08:21 #4: Annuities – Predictable Income with Caveats 10:55 #5: Cash and Cash Equivalents – Liquidity and Safety 12:48 Diversification and Building a Balanced Strategy 14:06 Final Thoughts and Recap 15:22 How to Learn More and Get in Touch Disclaimer: 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.
Unpacking the One Big Beautiful Bill Act: Taxes, Retirees, and America's Future! On today's show I'm taking a deep dive into the One Big Beautiful Bill Act or OBBBA for short. signed into law by Pres. Trump on July 4th, 2025! It's a massive piece of legislation and there is a lot to discuss, so let's go!! Web Site: www.DontTreadonMerica.com Email the show: Donq@donttreadonmerica.com DTOM Store (Promo code DTOM for 10% off) Sponsors: www.makersmark.com www.NordVPN.com Promo Code: DTOM www.alppouch.com/DTOM www.dubby.gg Promo code: DTOM Social Media: Don't Tread on Merica TV DTOM on Facebook DTOM on X DTOM on TikTok DontTreadonMericaTV DTOM on Instagram DTOM on YouTube
We're diving into a super important topic today: the political climate of your potential retirement spot. It's not just about sun-soaked beaches and affordable rent, right? We're here to help you figure out if that paradise you've been dreaming of is actually a safe haven or just a pretty facade hiding some shady politics. Trust me, understanding the local vibe and what's brewing politically can save you from future headaches. So grab your drink of choice, and let's chat about how to be a savvy retiree and not just chase the latest trend!Rethinking Your Retirement: Political Landscapes MatterIn this episode of the Where Do Gays Retire podcast, host Mark Goldstein emphasizes the importance of considering the political climate of potential retirement destinations. While aspects such as cost of living, healthcare, and weather are often scrutinized, Mark argues that understanding the local political landscape is crucial for ensuring long-term safety and well-being. Using examples from Spain, Italy, Mexico, and other global locations, he illustrates how political shifts can impact the LGBTQ+ community. The episode encourages listeners to proactively research and engage with local news and communities to make informed decisions about their retirement plans.Takeaways: Retirement isn't just about palm trees and cute cafes; the political climate is key. Before moving, dig into local politics to ensure your future safety and well-being. Don't just fall for pretty beaches; make sure the local government supports LGBTQ rights. Awareness is crucial; knowing the local vibe can prevent future headaches for your retirement. Links referenced in this episode:wheredogaysretire.comMentioned in this episode:Introducing LGBTQSeniors.com – A Free Community for Connection & PrideMark Goldstein, host of Where Do Gays Retire?, shares exciting news: LGBTQSeniors.com is live! It's a free online community for LGBTQ folks 50+ featuring: Private messaging & forums Monthly Zoom meetups Real connection—without the social media clutter If you love what Mark's building, please support the cause at
Portugal's calling—and she's wearing designer sunglasses.
In this episode, Ryan Burklo and Alex Collins discuss the implications of overpaying a mortgage and explore alternative strategies for managing cash flow and financial planning in retirement. They emphasize the importance of flexibility in financial decisions, particularly regarding mortgage payments, and the role of life insurance in providing additional security and cash flow. The conversation highlights the need for strategic planning to address potential financial challenges in retirement, such as market volatility and unexpected expenses. Check out our website: beerandmoney.net For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo Takeaways Overpaying a mortgage may not always be the best financial decision. Flexibility in financial planning allows for better management of cash flow. Life insurance can provide both security and cash value for retirement. Retirees often fear running out of money more than death. Strategic financial planning is essential for addressing unexpected expenses. Having liquid assets can provide more options in retirement. It's important to consider taxes and insurance in financial planning. A well-structured financial plan can reduce reliance on market performance. Retirement planning should include considerations for long-term care. Effective distribution strategies can enhance cash flow in retirement. Chapters 00:00 Introduction to Mortgage Overpayment Discussion 02:46 Historical Context of Mortgage Payment Mindset 06:02 Retirement Concerns and Financial Flexibility 09:02 Alternative Strategies for Mortgage Management 12:03 Comparative Analysis of Financial Strategies 14:52 The Importance of Financial Planning and Flexibility
Welcome to a new week here on the Retirement Quick Tips podcast! I'm your host, Ashley Micciche. I'm a financial advisor and co-owner of True North Retirement Advisors, a fee-only fiduciary financial advisory practice managing over $425M in assets. For 17 years, I've helped clients retire with confidence, and my goal on this podcast is to simplify the complexities of retirement planning so you can focus on what truly matters—enjoying your retirement years while maintaining financial security. One of the biggest spending categories for most Americans is food. Even wealthier Americans will still spend a lot of money on food - eating out more, buying higher quality foods, entertaining, and shopping at places like Whole Paycheck (er, whole foods). Retirees spend about $7500 a year on groceries and eating out on average, and because food costs matter in your budget, I wanted to focus on that in this week's episodes. And I can think of no better person to discuss this topic with than my good friend, Karrie. I first met Karrie about 5 years ago, shortly after her family moved to my town and started attending the same church we go to. OVer that time, we've become good friends. She also babysits my little ones a couple days a week, and we share a lot of the same views on things and have a similar sense of humor. At the moment, I'm working on arranging a marriage between their youngest and my 4 year-old, Theodore. I've offered their daughter a paid-for wedding, if only she agrees to marry my little man. As the chief grocery shopper for her family of 11 - her and her husband have 9 kids, ages 20 to 4 - Karrie has learned a lot about saving money on food over the years.
What are dividend stocks and how do they work for you in your investing portfolio? Maybe you already know what a dividend is, but do you know how to actually use that knowledge to build a better portfolio? In this episode, Jess Inskip (the investing expert) breaks down dividend investing in a way that finally made it click for me (Jessie DeNuit - the novice). We're not just learning what dividends are, but how they can support different investing goals.We talk about:How dividend stocks differ from growth stocksWhat makes a dividend stock high-quality (spoiler: it's not just about yield)The key dividend dates you need to know so you actually get paidHow to look at Beta when choosing dividend stocks to smooth volatility in portfoliosHow dividend stocks can add income, stability, or reinvestment power to your strategyWhether you're investing for the long haul or just getting started, this episode will help you see dividends as more than a bonus—they're a tool. Learn how to use them wisely. ✨Related Episodes:3. What is a stock?10. How to read a stock quote14. How to analyze a stock18. Understand the yield curve29. Investment risk tolerance56. How to construct and manage a portfolio59. What is P/E ratio and Stock Valuation74. Stock Order Types ------------------------------------------------
Dan and Jim explain how they can help you get a retirement plan IN WRITING that guarantees you will never run out of money in your golden years. All it costs is your time, schedule your free meeting today! -- Schedule your free meeting with Dan & Jim: https://peakfinancialfreedomgroup.com/contact/ Call us now by dialing #250 on your cell phone and say the key-word “MONEY” Listen to Previous Episodes: https://peakfinancialfreedomgroup.com/radio/ Connect with Dan & Jim: info@peakfin.com | (916) 791-7063 Subscribe to our YouTube to watch Clips from our radio and TV shows: https://www.youtube.com/@peakfinancialfreedomgroup About Peak Financial Freedom Group: At Peak Financial Freedom Group our top priority is to help you stop worrying about your money. We believe it's time for a new approach to retirement planning. It's why we've created The Peak Plan for Financial Freedom, with two main goals of making sure you never suffer a big loss like 2008 ever again and your income is dependable and predictable to last for as long as you live. Peak Financial Freedom Group provides comprehensive financial planning and investment management to retirees and pre-retirees in Roseville, CA and beyond.
After working with hundreds of people navigating retirement, we've seen a clear pattern: the biggest regrets aren't about money. They're about meaning.Too often, people retire from something—but never toward something. They solve the financial side without planning for the life side. And that leads to some common regrets:No clear purpose after work: Retirement without direction quickly turns from freedom to restlessness.Neglecting health too long: Wellness is what fuels the retirement you've dreamed about—don't wait to prioritize it.Losing social connection: The workplace offers more structure and belonging than many realize until it's gone.Expecting retirement to feel like a vacation forever: It won't. But with intention, it can become a reinvention.Being too afraid to spend: Your money is a tool to live—not something to hoard while life passes by.Don't wait to think about what really matters. The best retirements are built not just on financial security—but on vision, relationships, health, and joy.Start designing a life you won't regret.-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 Strategy ⬇️ Get Started Here.Join the new Root Collective HERE!
Steve Rader returns to share how open innovation has transformed from an experiment to a mission-critical tool inside NASA and beyond. As a newly minted retiree from NASA's Center of Excellence for Collaborative Innovation, Steve unpacks how crowdsourcing and challenge-based problem-solving went from fringe ideas to proven ways of tackling complex technical barriers. He explains what NASA looked like before open innovation took hold, the cultural resistance it faced, and how a small group of believers turned crowdsourced expertise into life-saving solutions, including doubling the warning time for dangerous solar flares and improving landing systems for Mars missions. Real-world stories bring this conversation to life. A retired cell phone engineer offered an algorithm that outperformed NASA's best predictions. A marine biologist from a tiny Texas town found a more innovative way to study Mars' atmosphere. A violinist's hobby cracked a stubborn food industry problem. These examples show that sometimes, the answers come from the least expected places. Steve also tackles what this means for the future of work. As gig platforms, remote teams, and flexible careers reshape how experts contribute, companies that ignore open talent risk falling behind. He makes the case that innovation is no longer limited to those on your payroll. In a world of constant technological change, staying connected to the right expertise has become a vital survival skill. This episode is a clear reminder that better ideas are out there waiting. All it takes is the courage to open the door and invite them in.
Does your agency or church have a plan to mobilize retirees? Tune in today as Dave chats with Bill Hennesy, author of the newly-released book, Purposeful Retirement. Bill shares practical advice to help mobilizers send more laborers. Here's what Dave asked: 1. Let's start by talking about retirement. What is it and where do we see this in the Scriptures? 2. You've written a new book called: "Purposeful Retirement - Making the Next Season of Life Your Best," Why write a book about retirement? 3. How can retirees plan for retirement? 4. How can retired people find purpose in missions? 5. How can a mobilizer help a retiree adjust some of their expectations? 6. As we think about mobilizing retirees, what do we say to a retiree that won't scare them off? 7. What types of opportunities are best to present to retirees?
On this episode of the Every Student Every Day Podcast, Superintendent Dr. James Franchini welcomes some members of the Averill Park Central School District faculty who are retiring this year, including Melissa Weatherwax, Katherine Eagan, Denis Sibson, Lorna Otty, AnnMarie Medici and Bray Engel.
The Medicare Advantage fraud, a bait and switch, is affecting many unionized retirees all over the country -- many times unbeknownst to them.Subscribe to our Newsletter:https://politicsdoneright.com/newsletterPurchase our Books: As I See It: https://amzn.to/3XpvW5o How To Make AmericaUtopia: https://amzn.to/3VKVFnG It's Worth It: https://amzn.to/3VFByXP Lose Weight And BeFit Now: https://amzn.to/3xiQK3K Tribulations of anAfro-Latino Caribbean man: https://amzn.to/4c09rbE
Retirees who want to reduce their taxes in retirement can benefit from strategic conversions and transfers between traditional and Roth IRAs. As Peter with Richon Planning explains to Erin Kennedy identifying those key windows for Roth conversions can lead to significant tax advantages and a bigger nest egg! The top 5 times to consider a conversion are: 1. During Market Downturns 2. Anticipation of Tax Bracket Changes 3. Between Retirement and RMD Age 4. Experiencing a Low Income Year 5. Planning for Your Heirs Keep in mind, taxes are set to increase at the end of 2025. Now is the time to crunch the numbers and determine if a Roth Conversion is right for you. To walk through the pros and cons, and the tax implications, give Peter a call at (919) 300-5886 or visit www.RichonPlanning.com
NY forced retirees to Medicare Advantage. Netanyahu flattened Gaza, bombed and un-alived Iranian scientists. Who are the arch terrorists? Watch Charlie Kirk disrespect women.Subscribe to our Newsletter:https://politicsdoneright.com/newsletterPurchase our Books: As I See It: https://amzn.to/3XpvW5o How To Make AmericaUtopia: https://amzn.to/3VKVFnG It's Worth It: https://amzn.to/3VFByXP Lose Weight And BeFit Now: https://amzn.to/3xiQK3K Tribulations of anAfro-Latino Caribbean man: https://amzn.to/4c09rbE
A professor advocates for social democracy as a means to resist fascism. New York is forcing Medicare Advantage on retirees. 72% of say the rich 'have too much' as GOP gives them handouts.Subscribe to our Newsletter:https://politicsdoneright.com/newsletterPurchase our Books: As I See It: https://amzn.to/3XpvW5o How To Make AmericaUtopia: https://amzn.to/3VKVFnG It's Worth It: https://amzn.to/3VFByXP Lose Weight And BeFit Now: https://amzn.to/3xiQK3K Tribulations of anAfro-Latino Caribbean man: https://amzn.to/4c09rbE
In this episode, host Taniel Chemsian interviews Gabriela Lopez and Jesus Valenzuela, co-founders of Outliance Real Estate Brokerage, based in Cabo San Lucas. Gabriela shares her journey from Argentina to Cabo, while Jesus recounts his move from California, highlighting why both fell in love with the region. They discuss Cabo's multicultural attractions, safety, excellent weather, outdoor lifestyle, and strong sense of community. The conversation shifts to the current real estate market, noting how the boom following COVID-19 has transitioned into a buyer's market, with increased inventory and more negotiation possibilities for buyers. Gabriela and Jesus explain common price ranges, popular neighborhoods, and what buyers should consider—emphasizing the importance of lifestyle compatibility, local amenities, and working with reputable agents. They also touch on the challenges of pre-construction developments and the unique logistical factors of living in Baja. The episode concludes with practical advice for foreigners considering a move, encouraging them not to let fear hold them back and to seek the guidance of experienced locals. Contact details for Outliance are provided for further inquiries. Key Moments: 05:53 Buying Property Abroad: Key Tips 09:00 Mexican Market Surge Pre-U.S. Elections 12:42 Investors Hold Amid Economic Changes 13:43 Vallarta's Resilient Real Estate Market 19:08 Kabul's Strategic Connectivity Highlights 20:56 Cabo's Culinary and Art Scene 23:03 Exploring Santiago's Natural Attractions 26:36 "East Cape: Off-Grid Simplicity" 30:59 "Affordable Homes Near Cabo" 35:22 Top Neighborhoods for Investment Homes 36:32 Top Rental Priorities: View, Amenities, Location 41:25 Baja Logistics: Challenges and Delays 44:56 Turnkey Homes Appeal Don't miss out on a free webinar, where experts cover everything you need to know about relocating to Mexico—from the best places to live to essential healthcare information for expats. Register at dreamretirementinmexico.com/webinar. Want to own a home in Mexico? Start your journey with confidence – download your FREE Taniel Chemsian Properties Buyer's Guide now for expert tips and clear steps to make it happen! Click here - https://tanielchemsian.com/buyers-guide/ Contact Information: Email: info@tanielchemsian.com Website: www.tanielchemsian.com Mex Office: +52.322.688.7435 USA/CAN Office: +1.323.798.8893
Thank you to everyone who tuned into my live video! Join me for my next live video in the app.* Netanyahu flattened Gaza, bombed and un-alived Iranian scientists. Who are the arch terrorists?: Benjamin Netanyahu believes the world is blind. As he illegally bomb civilians in Gaza and Iran claiming they are human shields, he complains because Iran retaliate… To hear more, visit egberto.substack.com
Forget waiting for the perfect financial opportunity. Everyone dreams of having bought Apple stock in 2004 or finding that perfect house at the perfect price, but real wealth isn't built through home runs – it's created through consistent singles.After working with hundreds of millionaire-next-door retirees, I've discovered their secret isn't spectacular investing wins but small, incremental improvements that compound dramatically over time. This power of 1% works universally, whether you're just starting your career or already enjoying retirement.For younger investors, increasing your 401k contribution by just 1% creates minimal budget impact now but massive retirement benefits later. On a $60,000 salary, that's only $50 monthly that could grow to $50-60k by retirement. Already maxing retirement accounts? Consider canceling one streaming service ($10-15/month) and redirecting those funds to a Roth IRA. Another overlooked opportunity: move your emergency fund from a traditional bank to a brokerage firm's money market account earning 4%+ interest – potentially generating hundreds in passive income annually from money that was sitting idle.Retirees benefit equally from the 1% approach. Reducing portfolio withdrawals by just 1% keeps more money invested and growing. Those 70½ or older can optimize charitable giving through Qualified Charitable Distributions directly from IRAs, maintaining generosity while eliminating taxes on those distributions. Think of financial wellness like physical fitness – consistency trumps intensity. What will your 1% improvement be this month? That single small step might just transform your financial future. The journey to financial freedom isn't about swinging for the fences – it's about showing up daily and moving consistently in the right direction. Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis, TN 38137. (901) 422-7526. This communication is strictly intended for individuals residing in the United States. Advisory Services offered through Envision Financial Planning, a Registered Investment Adviser.
Thank you john king (MY HUMBLE OPINION), Deborah J., Leslie Teyssier, Marc Van Rafelghem, and many others for tuning into my live video! Join me for my next live video in the app.* Anthony David Vernon advocates for social democracy as a tool of rebellion against fascism: Adjunct Professor Anthony David Vernon discusses fascism and the use of social democracy as a tool of rebellion against fascism. [More]* New York is forcing M… To hear more, visit egberto.substack.com
Growing anxiety among retirees over potential Social Security cuts and economic instability is prompting many to scale back spending and reconsider their retirement plans as policymakers debate the program's future. Today's Stocks & Topics: PRI - Primerica Inc., Market Wrap, IOT - Samsara Inc., APA - APA Corp., Retirees Fear for the Future of Social Security Amid Policy and Economic Uncertainty, T - AT&T Inc., GOOG - Alphabet Inc. Cl C, Retail Investors, Retirement Saving Plans, CFFN - Capitol Federal Financial Inc., 401k Rollover, Stablecoins.Our Sponsors:* Check out Ka'Chava and use my code INVEST for a great deal: https://www.kachava.com* Check out Progressive: https://www.progressive.comAdvertising Inquiries: https://redcircle.com/brands
Jun 16, 2025 – Jim Puplava and Crystal Colbert discuss the potential tax-planning implications of the One Big Beautiful Bill Act when it comes to child tax credits, tax brackets, estate tax exemptions, standard deductions, and the elimination...
What do wealthy retirees do differently when it comes to spending, investing, and managing their financial future? In this episode of Protect Your Assets, David Hollander shares key lessons from decades of working with high-net-worth clients. You’ll hear insights on purposeful spending, systematic investing, team-based planning, debt strategies, and staying ahead of tax changes. Plus, David covers current market updates, crypto milestones, and signs of a cooling labor market. You can send your questions to questions@pyaradio.com for a chance to be answered on air. Catch up on past episodes: http://pyaradio.com Liberty Group website: https://libertygroupllc.com/ Attend an event: www.pyaevents.com Schedule a complimentary 15-minute consultation: https://calendly.com/libertygroupllc/scheduleacall/ See omnystudio.com/listener for privacy information.
What do wealthy retirees do differently when it comes to spending, investing, and managing their financial future? In this episode of Protect Your Assets, David Hollander shares key lessons from decades of working with high-net-worth clients. You’ll hear insights on purposeful spending, systematic investing, team-based planning, debt strategies, and staying ahead of tax changes. Plus, David covers current market updates, crypto milestones, and signs of a cooling labor market. You can send your questions to questions@pyaradio.com for a chance to be answered on air. Catch up on past episodes: http://pyaradio.com Liberty Group website: https://libertygroupllc.com/ Attend an event: www.pyaevents.com Schedule a complimentary 15-minute consultation: https://calendly.com/libertygroupllc/scheduleacall/ See omnystudio.com/listener for privacy information.
Total Wealth & Wellness Radio
"I planned for 30 years of expenses—but zero years of purpose." This was a recent client's confession, and she's not alone. In fact, nearly 40% of retirees say they wish they had waited longer to retire (and it's not about money). In this episode, I'm revealing why even the most financially prepared retirees fall into identity crises and regret. I'm also sharing my 5-step "Bridge Strategy" to help you retire with clarity and purpose, not just a seven-figure portfolio. If you're planning FOR retirement but haven't considered what you're retiring TO, this episode is for you. *** SCHEDULE A COMPLIMENTARY DISCOVERY CALL: Need professional retirement & tax planning help? We help 100+ families across the country navigate retirement, optimize investments, and reduce taxes.
If your retirement plan includes staying in your home, you'll want to hear this conversation…In this episode of The Agent of Wealth Podcast, host Marc Bautis is joined by Kevin Guttman, Certified Reverse Mortgage Professional and author of A Reverse Mortgage Changed My Life: Real Stories of Hope, Courage, and Inspiration. Together, they break down the often misunderstood world of reverse mortgages – also referred to as “retirement mortgages.” With over two decades of experience, Kevin explains how these loans can offer older homeowners financial security, flexibility, and peace of mind – all while allowing them to stay in their homes.In this episode, you will learn:How retirement/reverse mortgages differ from traditional home loans and HELOCs.Who qualifies for a reverse mortgage and how to determine if it's the right fit.The three ways retirees can access their home equity – and which might make the most sense.The most common misconceptions about reverse mortgages (and the truth behind them).How to start a productive conversation with aging parents about home equity and long-term financial goals.And more!Tune into this episode to hear how home equity can support long-term retirement goals!Resources:Episode Transcript & Blog | reversemortgagerevolution.com | A Reverse Mortgage Changed My Life: Real Stories of Hope, Courage, and Inspiration | Bautis Financial: 8 Hillside Ave, Suite LL1 Montclair, New Jersey 07042 (862) 205-5000 | Schedule an Introductory Call
Each of you should use whatever gift you have received to serve others, as faithful stewards of God's grace. . . . — 1 Peter 4:10 Jim and Mary live down the street from Roseland Christian Ministries (RCM). Retirees, they pour their heart and soul into our thrift store, sorting clothes, stacking furniture, doing what they can to help our little store thrive. The store earns money that helps to support our programs. Working with them are Arlene, Amalia, Marlene, Sue, Ruth, Ms. Green, Bruce, Jan, Terry, Arlo, Randy, and more. They use their gifts to create a community that does a lot of good in the neighborhood. Jack is our board president. He serves wonderfully in his role of setting policy, vision, and development. But on a Monday morning you'll often see Jack deep cleaning the kitchen stoves or mopping floors. Over the years I've watched him listen and learn—forming bonds and trust with people in the community. All of the people I have mentioned here are retired. It inspires me that in retirement they live lives of service and form bonds with each other. It's not simply that they are serving, but that they are serving alongside one another, each with different gifts. Who are the people you have formed bonds with while serving? Who are the gifted people with whom you serve? Heavenly Father, thank you for the deep bonds we form while serving together. Strengthen our unity as we work side by side, reflecting your love and building Christian community together. In Jesus, Amen.
Retirees must decide how much to withdraw annually, whether to purchase long-term-care insurance, and look into the pros and cons of buying an annuity. Today's Stocks & Topics: GIS - General Mills Inc., Market Wrap, APLD - Applied Digital Corp., 3 Tricky Decisions Every Retirement Plan Must Address, TPH - Tri Pointe Homes Inc., Pros and Cons of Buying Annuities, PHM - PulteGroup Inc., SPGI - S&P Global Inc., China and Tariffs, CSL - Carlisle Cos., ITW - Illinois Tool Works Inc., ARE - Alexandria Real Estate Equities Inc.Our Sponsors:* Check out Ka'Chava and use my code INVEST for a great deal: https://www.kachava.com* Check out Progressive: https://www.progressive.comAdvertising Inquiries: https://redcircle.com/brands
Interview recorded - 5th of June, 2025On this episode of the WTFinance podcast I had the pleasure of welcoming back Danielle DiMartino Booth. Danielle is the CEO & Chief Strategist for QI Research. She is the author of Fed Up and a global thought leader in monetary policy, economics and finance with 9 years experience at the Federal Reserve Bank of Dallas.During our conversation we spoke about Danielle's thoughts on the economy, the FED stalling elections, the bond market, BOJ increasing global yields, recession comparison and more. I hope you enjoy!0:00 - Introduction2:07 - Danielle's economic outlook3:22- FED stalling6:37 - Worried about Covid repeat?7:50 - Cut before election?10:07 - End of Powell?12:13 - Bond market?13:41 - BOJ increases impacting global yields14:27 - Dollar depreciation16:02- US in a recession?19:16 - Global economy20:18 - Recession comparison21:31 - Risk-off?22:46 - Retirees selling?24:05 - One message to takeaway?DiMartino Booth set out to launch a #ResearchRevolution, redefining how market intelligence is conceived and delivered to guide portfolio managers and promote financial literacy. To build QI, she brought together a core team of investing veterans to analyze the trends and provide critical analysis on what is driving the markets – both in the United States and globally.Since their inception in 2015, commentary and data from DiMartino Booth's The Daily Feather and The Weekly Quill have appeared in other financial sources such as Bloomberg, CNBC, Fox Business, Institutional Investor, Yahoo Finance, The Wall Street Journal, MarketWatch, Seeking Alpha, TD Ameritrade, TheStreet.com, and more.A global thought leader in monetary policy, economics, and finance, DiMartino Booth founded QI Research in 2015. She is the author of FED UP: An Insider's Take on Why the Federal Reserve is Bad for America (Portfolio, Feb 2017), a business speaker, and a commentator frequently featured on CNBC, Bloomberg, Fox News, Fox Business News, BNN Bloomberg, Yahoo Finance and other major media outlets.Prior to QI Research, DiMartino Booth spent nine years at the Federal Reserve Bank of Dallas. She served as Advisor to President Richard W. Fisher throughout the financial crisis until his retirement in March 2015. Her work at the Fed focused on financial stability and the efficacy of unconventional monetary policy.DiMartino Booth began her career in New York at Credit Suisse and Donaldson, Lufkin & Jenrette where she worked in the fixed-income, public equity, and private equity markets. DiMartino Booth earned her BBA as a College of Business Scholar at the University of Texas at San Antonio. She holds an MBA in Finance and International Business from the University of Texas at Austin and an MS in Journalism from Columbia University.Danielle DiMartino Booth - Website - https://quillintelligence.com/Twitter - https://twitter.com/DiMartinoBoothYouTube - @DanielleDiMartinoBoothQI WTFinance -Spotify - https://open.spotify.com/show/67rpmjG92PNBW0doLyPvfniTunes -https://podcasts.apple.com/us/podcast/wtfinance/id1554934665?uo=4LinkedIn - https://www.linkedin.com/in/anthony-fatseas-761066103/Twitter - https://twitter.com/AnthonyFatseas
In this Did You Know episode, SEANC Executive Director Ardis Watkins delves into the challenges faced by retirees in North Carolina, part of the Teachers and State Employees Retirement System (TSERS), one of the largest in the country. Despite its size and strong asset-to-liability ratios, the retirement benefits lag behind the national average, impacting the financial well-being of those who served the state. We explore the reasons behind the shortfall and why it's crucial for the state to prioritize its retirees, who have dedicated their careers to public service. Listen to understand the significance of the 19-click difference in the retirement formula compared to the national average and how it's costing retirees up to 10% in monthly benefits. Additionally, learn about the lack of cost-of-living adjustments (COLAs) that further deepen the gap. Discover how you can advocate for change and support your local legislators in addressing this critical issue to ensure that the people who have long served the community receive the retirement benefits they deserve.
Retirement planning often revolves around one critical fear: running out of money. A recent study highlights that retirees with guaranteed income, such as pensions, spend 42% more than those relying solely on savings, showcasing the confidence that steady income can provide. Ryan Herbert and Katherine Groce explain that understanding monthly expenses and crafting a plan that secures income through diverse options—market investments, dividend portfolios, or annuities—retirees can prepare for financial stability regardless of market fluctuations. Want to begin building your retirement plan? Schedule a call with us here:
Retirement is often a maze of financial decisions, but are you building the right safeguards for your future? Mike Douglas goes through the impact of tariffs, market timing, and the shifting taxation landscape affecting retirees. Highlighting strategies to preserve wealth and segment financial plans, listeners gain insights into managing their "old money" and planning for generational transitions amidst ever-changing economic challenges. From navigating tax burdens to preparing for unexpected market shifts, the discussion centers on creating a sustainable financial moat around your retirement nest egg. Whether dealing with tariffs, volatile markets, or passing wealth to beneficiaries, Mike helps untangle the complexities facing today’s retirees. Schedule your complimentary appointment today: MichigansRetirementCoach.com Follow us on social media: YouTube | Facebook | Instagram | LinkedInSee omnystudio.com/listener for privacy information.
7a - US ships championed by Trump cost 5x as much as Asian ships7:15a - More about Trump's need for more US ships.7:30a - More men are dying of Broken Heart syndrome.7:45a - Retirees underestimate medical costs
Government Waste, Biblical Wisdom, and Local Accountability: Lessons for Pre-Retirees in Uncertain Times Originally aired June 7, 2025 Understanding True Change: Why Most People Never Repent Tom draws powerful parallels […] The post Government Waste, Biblical Wisdom, and Local Accountability: Lessons for Pre-Retirees in Uncertain Times appeared first on Dupree Financial.
Modern retirement is facing a critical challenge. While baby boomers have largely avoided financial disaster, their success relies heavily on pensions – a benefit that's rapidly disappearing. You'll discover why the next generation of retirees faces a fundamentally different landscape. We dive into the stark numbers behind retirement funding. Pension plans hold $17 trillion compared to just $9 trillion in 401(k)s, despite covering far fewer people. You'll understand why this massive gap exists and what it means for your retirement security. The psychological barriers to spending retirement savings create another layer of complexity. You'll learn why retirees resist selling their accumulated assets but readily spend guaranteed income. We explore how this behavior impacts retirement satisfaction and peace of mind. Annuities emerge as the remaining option for guaranteed retirement income. With pensions disappearing and Social Security facing insolvency, you need to understand how annuities can fill this critical gap. We address common misconceptions while acknowledging past industry problems that created legitimate concerns. You'll gain insights into why guaranteed income plays such a vital role in retirement happiness. We explain how having predictable monthly payments reduces stress and allows you to enjoy retirement rather than worry about market fluctuations. The episode provides a balanced perspective on using annuities as part of your retirement strategy. _________________________ Ready to explore how guaranteed income could improve your retirement security? Contact us to discuss whether annuities make sense for your specific situation and learn how to create a retirement income plan that lets you sleep soundly at night.
It's Sunday and I'm wrapping up the week by summarizing this week's theme: Right Accounts in the Right Order - Prioritizing Your Savings as a Pre-Retiree in 2025 In case you missed any episodes this week, heres how I recommend prioritizing savings especially as you approach retirement:
Investment Psychology and Market Timing: Why Pre-Retirees Need a Long-Term Strategy During Market Volatility The financial markets can feel like an emotional rollercoaster, especially for pre-retirees and retirees who see […] The post Market Psychology and Investment Timing: Essential Insights for Pre-Retirees and Retirees appeared first on Dupree Financial.
Send us a textIn this episode of The Retire Early Retire Now podcast, host Hunter Kelly, a certified financial planner, discusses everything you need to know about Social Security with a focus on early retirement. The episode covers the basics of Social Security, including how it is calculated and taxed, as well as strategic considerations for maximizing your benefits. Key points include the impact of early retirement on Social Security, the tax implications, planning opportunities for self-employed individuals, and factors to consider when deciding when to start receiving benefits. Listeners also get practical advice on how to manage their finances to optimize Social Security payouts, and a sneak peek into next week's topic on distribution strategies for an early retirement. Don't forget to leave a five-star review and share the podcast for more financial insights.00:00 Welcome to The Retire Early Retire Now Podcast00:27 Introduction to Social Security for Early Retirement00:51 Understanding Social Security Basics01:06 Maximizing Your Social Security Benefits01:39 Listener Reviews and Podcast Growth02:34 How Social Security is Calculated04:35 Paying into Social Security: Taxes Explained06:54 Self-Employment and Social Security Contributions10:38 Calculating Your Social Security Benefit13:06 When to Take Social Security: Key Considerations19:06 Conclusion and Next Week's TopicCheck out the Palm Valley Wealth Management WebsitePalmValleywm.comCheck us out on InstagramLinkedIn FacebookListen to the Podcast Here! AppleSpotify
Welcome to a new week here on the Retirement Quick Tips podcast! I'm your host, Ashley Micciche. I'm a financial advisor and co-owner of True North Retirement Advisors, a fee-only fiduciary financial advisory practice managing over $425M in assets. For 17 years, I've helped clients retire with confidence, and my goal on this podcast is to simplify the complexities of retirement planning so you can focus on what truly matters—enjoying your retirement years while maintaining financial security. So this week, I'll break down each step in the savings optimization ladder…what to focus on first, and what you should focus on next as you check each box and move up the ladder. If you pay attention to the right savings amounts in the right order in the right accounts, you'll be better off than most Americans and be more flexible with your finances, and set yourself up for more long-term financial stability.
For a lot of people, retirement isn't the relaxing reward it's made out to be—it feels more like losing a piece of themselves. After spending years tied to routines, responsibilities, and roles that defined them, stepping away can feel disorienting. The quiet that once sounded like freedom can become uncomfortable fast. It's not just about having free time—it's about figuring out who you are when the title, the office, and the calendar are gone. That shift can shake you more than anyone expects. Elizabeth Zelinka Parsons helps high achievers rethink retirement as a launchpad, not a finish line. With her book Encore, she guides professionals through the emotional and identity shifts that come with stepping away from traditional careers. Today, she shares how purpose, structure, and personal growth are just as vital as savings when planning for life after work. Drawing from her own early retirement at 35, she emphasizes designing a future rooted in meaning, not just money. Elizabeth believes that retirement should feel like a new beginning, not an end. Stay tuned! Resources: A winning approach to Retirement and Succession Planning — for Professional Services Firms. Follow Elizabeth Zelinka Parsons on Facebook Connect with Elizabeth Zelinka Parsons on LinkedIn
The Moose on The Loose helps Canadians to invest with more conviction so they can enjoy their retirement. Today, we are talking about 4 financial lessons from retirees. Get your Investment roadmap: https://dividendstocksrock.com/roadmap Download the Rockstar list here: https://moosemarkets.com/rockstars Join the Retirement Loop waitlist here: https://www.retirementloop.ca/webinar Why I prefer low yield vs high yield: https://moosemarkets.com/income
Text a Message to the ShowThis episode marks our fourth anniversary and I wanted to go back and do follow ups and business checks, checking in on some of our past guests to get updates. In this episode we get an update from Vinnie Montez, Compassion Alliance, recently retired detective Stuart Littlefield and previously unaired excerpts from recent guests Kelly Enos and Joe Smarro.Links and resources:Vinnie Montez - Ep 092: https://vinniemontez.comJohn Little, Compassion Alliance - Ep 078: https://compassion-alliance.orgGary Jenkins, Gangland Wire - Eps 035, 035.5, 046: https://ganglandwire.comGinger Passarelli, Soup Ladies - Eps 010, 081: https://www.soupladies.orgKelly Enos - Ep 111Stuart Littlefield - Bonus Ep 36Tobi Wolf - Ep 047Joe Smarro - Ep 112: https://solutionpointplus.comMusic is by LesFMHey Chaplain Podcast Bonus Episode 42Tags:Police, Books, Career, Comedy, Corrections, Counseling, Crime, Detectives, Empathy, Golf, Health, Helicopters, History, Mafia, Marriage, Military, Retirement, Therapy, USO, Boulder, Denver, Kansas City, Arizona, California, Colorado, Kansas, PolandSupport the showThanks for Listening! And, as always, pray for peace in our city.Subscribe/Follow here: Apple Podcasts: https://podcasts.apple.com/us/podcast/hey-chaplain/id1570155168 Spotify: https://open.spotify.com/show/2CGK9A3BmbFEUEnx3fYZOY Email us at: heychaplain44@gmail.comYou can help keep the show ad-free by buying me a virtual coffee!https://www.buymeacoffee.com/heychaplain
Guess who are heading back to school? Retirees aged 55 and above, well endowed with time and curiosity. From China to the US, seniors are stepping back into the classroom. So, what are they really looking for from this second round of education? And what does it say about how we should reimagine our golden years? On the show: Heyang, Steve Hatherly & Yushun
"So teach us to number our days, that we may get a heart of wisdom." - Psalm 90:12 If you're a few years from retirement and your savings aren't quite where you want them, you might feel like you've run out of time. But maybe you don't need a time machine to solve the problem. Today, Matt Bell joins us with some encouraging words about beefing up retirement savings.Matt Bell is the Managing Editor at Sound Mind Investing, an underwriter of Faith & Finance. The Surprising Power of Working a Little LongerIn 2018, a Stanford study called The Power of Working Longer made a compelling discovery: delaying retirement by just three to six months can have the same impact on retirement readiness as saving an additional 1% of income every year for 30 years.Yes, really.This is largely due to two factors:Higher Social Security Benefits – For every month you delay past full retirement age, your benefit increases by 2/3 of 1% (8% annually). Better Annuity Rates – The older you are when purchasing an annuity, the more monthly income you'll receive for the same investment.But there's a caveat: the study is based on specific assumptions that may not match your financial situation.What the Study Assumes—and Why It MattersThe Stanford study uses a fictional worker named “John” who:Started saving at age 36Saved 6% of income and received a 3% matchRetired at 66 and claimed Social Security immediatelyUsed all savings to buy an inflation-indexed annuityIn reality, your income, savings rate, Social Security timing, and withdrawal strategy may differ widely. Not to mention, indexed annuities like the one in the study are no longer widely available. So while the study provides encouragement, its specifics shouldn't be universally applied.If you can delay claiming Social Security, it can significantly boost your lifelong income. For example, waiting until age 70 instead of 66 could result in a monthly check that's 24% higher. You'd need to live roughly 12 more years to “break even,” but many retirees today are living well into their 80s and beyond.Social Security is essentially a government-backed, inflation-adjusted annuity, making it a powerful foundation for retirement income.More Benefits to Working LongerBeyond Social Security, staying employed offers additional financial and emotional perks:More Contributions – Additional working years allow you to save more and delay withdrawals.Shorter Retirement Span – Fewer retirement years mean your nest egg doesn't have to stretch as far.Health & Community – Work often provides routine, purpose, and social interaction—elements many retirees miss.Working longer isn't just a financial decision—it impacts your time, relationships, and expectations. If you've long looked forward to travel, family time, or volunteering, extending your career might feel like a loss. That's why it's essential to consider both the math and the meaning.Couples should prayerfully approach retirement planning together. Decisions about timing affect both spouses, especially when only one is working. Unequal expectations can lead to tension, so it's essential to:Talk openly about your hopes and concernsUnderstand your financial picture as a teamChoose unity over independence in decision-makingThis is one of the most crucial decisions you'll make as a couple.How Much Do You Really Need?You may have heard that you need 70–80% of your pre-retirement income. That's a good rule of thumb, but it's far better to run the numbers yourself. Some costs (like commuting or saving for retirement) may go down. Others (like healthcare or travel) may go up. The best approach? Create a post-retirement budget based on your unique goals and lifestyle.If you're behind on retirement savings, don't panic—and don't go it alone. Tools on the Social Security website can help you run scenarios based on your age and income. Brokerages like Fidelity or Schwab offer annuity estimators. Most importantly, seek wise counsel and pray through your decisions with your spouse.If you'd like to read the full article from Sound Mind Investing that we discussed during this episode, read Matt's article titled Retirement Preparedness—What a Difference a Little Time Can Make at SoundMindInvesting.com. On Today's Program, Rob Answers Listener Questions:I now have the money from my tax return to pay my property taxes, due in two installments—one in May and one six months later. Should I go ahead and pay it all now since I have the funds, or is there a wise short-term investment I could consider in the meantime?Is there a reliable resource or organization that can provide information on charities that are requesting donations, such as groups like America Cares, CARE, or Mercy Ships?What are your thoughts on the cryptocurrency XRP? Is it something worth considering?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Sound Mind InvestingRetirement Preparedness — What a Difference a Little Time Can Make by Matt Bell (Sound Mind Investing Article)Social Security Administration (SSA.gov)ECFA | Charity Navigator | Ministry WatchFidelity | Charles SchwabWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.
Retired with millions—but full of regret?In this episode of Root Talks, James and Ari share the real stories no one talks about: wealthy retirees who did everything “right” financially but still feel like they missed out. From sacrificing health and relationships for more savings, to realizing too late that they were planning for someone else's version of success, these lessons are emotional, practical, and essential.What you'll learn:Common regrets wealthy retirees confess after leaving workWhy financial freedom means nothing without health, time, or joyHow to avoid estate planning mistakes that burden your spouse or familyWhy intentional living matters more than chasing a numberSimple, high-impact ways to prepare for retirement nowIf you're building wealth, nearing retirement, or want to live more meaningfully today—this conversation is for youCreate 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. “Early Retirement – Financial Freedom” is a podcast produced by Root Financial Partners, an SEC-registered investment adviser. The content provided is for informational and educational purposes only. It should not be interpreted as investment, legal, or tax advice. I may reference planning situations based on real client experiences, but they've been simplified for clarity. Always consult your own financial advisor before making decisions. Listening to this podcast does not create or imply an advisory relationship with Root Financial. Investing involves risk, including the potential loss of principal. Past performance does not guarantee future results. Testimonials and endorsements do not reflect all client experiences and are not compensated. Learn more at our website or by reviewing our Form ADV at https://adviserinfo.sec.gov.
Retired with millions—but full of regret?In this episode of Root Talks, James and Ari share the real stories no one talks about: wealthy retirees who did everything “right” financially but still feel like they missed out. From sacrificing health and relationships for more savings, to realizing too late that they were planning for someone else's version of success, these lessons are emotional, practical, and essential.What you'll learn:Common regrets wealthy retirees confess after leaving workWhy financial freedom means nothing without health, time, or joyHow to avoid estate planning mistakes that burden your spouse or familyWhy intentional living matters more than chasing a numberSimple, high-impact ways to prepare for retirement nowIf you're building wealth, nearing retirement, or want to live more meaningfully today—this conversation is for youCreate Your Custom Strategy ⬇️ Get Started Here.Join the new Root Collective HERE!