Podcasts about Retirement

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

Roger Whitney explores the idea that retirement always involves both excitement and uncertainty. While people spend years gathering information, running projections, and refining plans, there comes a point when no amount of additional analysis can eliminate risk. Through a conversation with Dr. Jordan Grumet, Roger discusses why retirement ultimately requires a leap of faith, how fear of running out of money can overshadow the risk of missing life, and practical ways to build confidence in spending and living intentionally. The episode also features listener reflections on decluttering, strategies for letting go of physical and financial clutter, and a Rockin' Retirement in the Wild story from Scott, who recently retired and embraced a long-awaited trip to Maui.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) Roger reflects on the “sweet and sour” nature of retirement and introduces the concept of taking a leap of faith.(01:56) Roger welcomes listeners, previews his conversation with Dr. Jordan Grumet, and invites listeners to the upcoming Noodle Live event.ROCKIN' RETIREMENT IN THE WILD(04:01) Scott shares a retirement story from Maui, including a chance encounter with Roger's realtor and reflections on taking the leap into retirement at age 57.PRACTICAL PLANNING SEGMENT WITH DR. JORDON GRUMET(05:47) Roger and Dr. Jordan Grumet discuss why confidence can be one of the biggest challenges in retirement, even for those who have prepared well financially. (13:00) The conversation explores the tension between protecting financial security and fully embracing life's opportunities.(22:18) ) A discussion on longevity assumptions, retirement planning conservatism, and why many retirees may overestimate the likelihood of running out of money. (27:04) Practical strategies for building spending confidence, including the “fun bucket” approach. (35:24) Additional tactics for creating confidence, including prefunding near-term spending and focusing on purpose rather than optimization. (42:12) How values-driven planning can help retirees intentionally use money to support the life they want to create. (47:49) Key takeaways on abundance, mindset, and taking meaningful action despite uncertainty.SMART SPRINT(49:55) Identify one decision you've been researching, planning, or delaying. Ask yourself whether additional information will truly change the outcome, or if it's time to take a small leap of faith and move forward.DECLUTTERING DEBRIEF(51:06) Roger reflects on listener feedback from the decluttering series and shares a few practical insights and resources from the community. REFERENCESlivewithroger.com — Register for Noodle Live on June 18!Submit a Question for RogerSign up for The NoodleDr. Jordan Grumet / Earn & Invest PodcastNote: The opinions expressed are for informational purposes only and should not replace personalized advice from licensed professionals.

After several “Good Morning” greetings, the Fat One somehow fills the LITTLE show with nattering about the weather, the quiz programs, Seniorcize and technology. Happy National Egg Day.

Think you don't need to worry about cybersecurity? That's exactly what hackers are counting on. Cybersecurity awareness expert Robert Siciliano breaks down how three simple habits put you in the top 10% of secure Americans. This episode explains how one move can save you years of financial headaches, what every business owner needs to know about protecting remote teams, and how to safeguard your digital estate even after you're gone. Topics discussed: Introduction (00:00) Robert's hacking origin story (02:02) Why real estate agents are high-risk targets (05:44) Two-factor authentication (08:22) SMS vs. authenticator apps (11:36) Cybersecurity for remote teams (13:15) Security vs. paranoia (15:53) The strategic human firewall (20:40) 3 steps to becoming secure (24:05) Digital estate planning (26:55) What brought you JOY today? (29:57)If you're a writer who wants to take control of your finances, read Mitlin Financial's  Write Your Financial Future: A Financial Guide for Authors: https://www.mitlinfinancial.com/insights/blog/write-your-financial-future-a-financial-guide-for-authors/ Resources: Sending your child to college will always be emotional but are you financially ready? Take the College Readiness Quiz for Parents: https://www.mitlinfinancial.com/college-readiness-quiz/ Doing your taxes might not be enJOYable but being more organized can make the process less painful. Get Your Gathering Your Tax Documents Checklist: https://www.mitlinfinancial.com/wp-content/uploads/2024/06/Mitlin_ChecklistForGatheringYourTaxDocuments_Form_062424_v2.pdf Will you be able to enJOY the Retirement you envision? Take the Retirement Ready Quiz: https://www.mitlinfinancial.com/retirement-planning-quiz/ Connect with Larry Sprung: LinkedIn: https://www.linkedin.com/in/lawrencesprung/ Instagram: https://www.instagram.com/larry_sprung/ Facebook: https://www.facebook.com/LawrenceDSprung/ X (Twitter): https://x.com/Lawrence_Sprung About Our Guest: Creator of The Strategic Human Firewall™, Cybersecurity Awareness expert, good guy hacker, and private investigator Robert Siciliano delivers 'straight talk' on safety and security, stripping away jargon to empower everyday protection. A bestselling author, CEO of ProtectNowLLC.com, he is a trusted commentator featured on CNN, Fox News, MSNBC, and the Today Show, decoding complex threats for mass audiences. Connect with Robert Siciliano: Website: https://protectnowllc.com/ TikTok: https://www.tiktok.com/@robert_siciliano LinkedIn: https://www.linkedin.com/in/robertsiciliano Facebook: https://www.facebook.com/CyberAwarenessExpertSpeaker Instagram: https://www.instagram.com/robertsiciliano/ X (Twitter): http://twitter.com/robertsiciliano YouTube: https://www.youtube.com/channel/UCxPUhCstuAW8GJR826pamYA Amazon: https://www.amazon.com/stores/Robert-L.-Siciliano/author/B0035CH602 Disclosure: Guests on the Mitlin Money Mindset are not affiliated with CWM, LLC, and opinions expressed herein may not be representative of CWM, LLC. CWM, LLC is not responsible for the guest's content linked on this site. This episode was produced by Podcast Boutique https://www.podcastboutique.com

Fan Mail: Tell Wendy how you're saying yes to yourself!Join Wendy for her dreamy Summer Solstice White Party on Saturday June 20, 2026 —an al fresco evening of delicious food, intention-setting, and celebration at the Phineas Wright House. Wear white, gather at the long table in the field, and toast to the season ahead. Save you seat here: phineaswrighthouse.com/the-shop/p/summer-solstice-white-partyIn this episode, Wendy sits down with Laura Phillips, a reverse mortgage lender. Laura challenges the generational belief that home equity is only a safety net, and explores how reverse mortgages can actually help seniors say yes to themselves and fund the life they want to live.They explore:What reverse mortgages actually are (and why the name confuses people)How non-recourse loans protect your heirs from debtWhy shifting your mindset about equity changes everythingLaura shares real stories of how reverse mortgages have helped seniors stay in their homes longer, fund in-home care, and maintain independence without burdening their children. She talks about breaking generational patterns around debt and home ownership, and why this financial tool deserves a second look.This is a conversation about reframing what your home equity can do for you in your later years.Connect with Laura:LinkedIn: linkedin.com/in/laurawphillipsWebsite: lauraphillips.comPhone: (303) 817-4611________________________________________________________________________________________Connect with Wendy:LinkedinInstagram: @wendy.harropFacebook: Phineas Wright HouseWebsite: Phineas Wright House PWH Farm StaysPWH Curated Experience and TravelInterested in being a guest on the show? Send your pitch to podcast@phineaswrighthouse.comPodcast Production By Shannon Warner of Resonant Collective Want to start your own podcast? Let's chat!If this episode resonated, follow Say YES to Yourself! and leave a  5-star review. It helps more women in midlife discover the tools, stories, and community that make saying YES not only possible, but powerful.

Schedule a Free Financial Assessment with an experienced professional:https://bit.ly/PureFreeAssessmentHeidi from the Space Coast of Florida found a money-saving tidbit in a past episode that completely changed how she thinks about her financial advisor's fee. Joe Anderson, CFP® and Big Al Clopine, CPA expand on the strategy, today on Your Money, Your Wealth® podcast number 584. Laverne and Shirley have four million bucks, Roth conversion questions, annuity questions, and a retirement plan so detailed it may require a diagram. Finally, Bess and George from Pure Michigan are already retired, already on Social Security, and already losing sleep over their investments. So why are they so stressed? Joe and Big Al's a debate about a 1% advisory fee gets a little spicy in that one.Retirement Accounts Guide - free download:https://purefinancial.com/white-papers/retirement-accounts-guide/?utm_source=captivate&utm_medium=podcast&utm_campaign=whitepaper-retirement-accounts-guide&utm_content=ymyw-pod-ep584-description-whitepaperFinancial Blueprint - free, self-guided retirement plan check-in:https://purefinancial.com/financialblueprint/?utm_source=captivate&utm_medium=podcast&utm_campaign=financial-blueprint&utm_content=ymyw-pod-ep584-description-blueprintRetirement Course: Can You Hit a Hole in One? With PGA Pro Chris Riley - YMYW TV:https://purefinancial.com/ymyw/episodes/retirement-course-hole-in-one-pga-pro-chris-riley/?utm_source=captivate&utm_medium=podcast&utm_campaign=ymyw-tv&utm_content=ymyw-pod-ep584-description-tv-s11e02REQUEST your Retirement Spitball Analysis:https://bit.ly/AskJoeAndAlDOWNLOAD more free guides:https://bit.ly/PureGuidesREAD financial blogs:https://bit.ly/PureFinBlogWATCH educational videos:https://bit.ly/PureEdVideosSUBSCRIBE to the YMYW Newsletter:https://bit.ly/YMYWNewsletterConnect With Us:Subscribe on YouTube and join the conversation in the comments:https://bit.ly/YMYW-YTSubscribe or follow YMYW in your favorite podcast app:https://lnk.to/ymywLeave your honest reviews and ratings in Apple Podcasts:https://podcasts.apple.com/us/podcast/your-money-your-wealth/id312900254Chapters: 00:00 - Intro: This Week on the YMYW Podcast01:02 - Can Financial Advisor AUM Fees Come Out of Pre-Tax Money? (Heidi, Space Coast, FL)09:54 - Are We Converting Enough Before RMDs? What to Do With Annuities? (Laverne & Shirley, Cleveland, OH)30:23 - Target Date Funds and a Sad Brokerage: Good Enough? Can't See Ever Paying an Advisor (Bess & George, MI)45:37 - Outro: Next Week on the YMYW Podcast

Jun 1, 2026 – Explore the often-overlooked impact of state taxes on retirement strategies with Jim Puplava and Brendan McMurtrie. This episode dives into sophisticated approaches to Roth IRA conversions, highlighting the advantages and pitfalls...

Retiring abroad sounds fabulous until you realize you may need to learn a new language, decode a new healthcare system, and explain your brunch order with hand gestures.So, what if you want the adventure, affordability, and lifestyle upgrade of retiring abroad, but without giving Duolingo your entire retirement?In this episode of Queer Money, we're breaking down five great gay retirement cities in English-speaking countries or places where English is widely spoken. These destinations offer a mix of LGBTQ+ friendliness, affordability, healthcare access, expat communities, and retiree-friendly lifestyles, especially for gay men over 40 who are dreaming about retiring abroad without feeling completely lost in translation.We look at Adelaide, Australia; Cebu City, Philippines; St. John's, Newfoundland and Labrador, Canada; Cape Town, South Africa; and George/Garden Route, South Africa. Each city gets our full Queer Money treatment: why it's fabulous, the reality check, the queer vibe, what your wallet needs to know, and its Queer Money Retirement Rating.Some of these cities offer big queer energy, beaches, wine country, mountains, and nightlife. Others are quieter, calmer, more affordable, and better suited for gay retirees who want peace, safety, scenery, and a lower cost of living.We also talk about the not-so-sexy but very necessary parts of retiring abroad, including visa rules, healthcare planning, legal protections, safety, and why affordability alone should never be the whole plan.Takeaways from this episode:You'll learn which English-friendly cities are best for LGBTQ+ retirementwhich destinations offer the strongest affordabilitywhere queer legal protections are stronger or weakerwhy your dream retirement abroad needs both a lifestyle plan and a money plan.Thinking about retiring abroad but not sure what it'll cost or where to start? Grab the Queer Money Retire Abroad Planner and CalculatorMentioned in this episode:What if your portfolio came with a visa and passport?That's exactly what the Optimize Portugal Golden Opportunities Fund can do, bringing together diversification, tax efficiency, and a path to EU residency and a passport. Click the link below to explore your ticket to Europe. Get Your Portugal Golden Visa Here!Get Your Portugal Golden Visa Here!

Send us Fan MailWhat happens when you stop seeing retirement as an escape plan and start treating it like a leadership decision?In this episode of The Mid-Career GPS Podcast, I sit down with my friend Rich Lucey to talk about retirement planning, professional identity, consulting, networking as an introvert, and what it really means to create a purposeful next chapter after mid-career.Rich spent more than two decades leading alcohol and drug misuse prevention efforts across state and federal government. But instead of waiting until burnout forced a decision, he chose retirement at 62 with intention, strategy, and clarity about how he wanted to spend his time moving forward.If you are a mid-career professional thinking about retirement, considering a second career, exploring consulting, or wondering how to maintain purpose after leaving a long-term role, this conversation will help you think differently about your next move.We also dive into one of the biggest challenges many mid-career professionals face today: visibility. Rich openly shares why networking feels exhausting for introverts, how “forced socialization” drains energy, and why meaningful professional relationships are built through intentional conversations instead of trying to work an entire room.This episode also explores public speaking, professional legacy, leadership presence, and the mindset shift that helps you contribute more confidently in meetings, presentations, and workplace conversations.You will also hear an important discussion for parents and professionals about college campus alcohol and drug culture, the dangers of fake pills and illicit fentanyl, and why the first six weeks of college can be especially high risk.In this episode, we discuss:How to approach retirement planning with purpose and strategyBuilding a consulting business without creating another full-time jobWhy networking for introverts should focus on mutual benefit and intentional conversationsThe connection between theater training, leadership presence, and public speakingQuestions parents should ask colleges about alcohol and drug culturePractical guidance about fake pills and illicit fentanyl awarenessConnect with Rich LuceyLinkedIn Support the showIf this episode resonated with you and you want more support in how you SHOW UP for your career and life, I want to invite you to join the SHOW UP Leadership Lab. This is my group membership program where you'll get the clarity and support you need to SHOW UP more impactfully and effectively in your life and career. Visit https://johnneral.com/showup to join. Please leave a rating and review on Apple Podcasts here.Connect with John on LinkedIn here.Get John's New Mid-Career Journal on Amazon here.  Follow John on Instagram @johnneralcoaching. Subscribe to John's YouTube Channel here.  

Executive Summary This episode opens a multi-part series on one of the most emotionally loaded words in personal finance: retirement. Kim Butler and Spencer Shaw start at the foundation, examining what the word actually means, why Kim resists it, and what the math really says about the most common retirement savings targets. Kim establishes the core problem: expenses triple over 30 years, not because prices rise arbitrarily, but because the dollar is worth less. Inflation at 3% compounding over three decades transforms today's lifestyle into a figure three times larger. Add longevity into the equation and the challenge grows steeper. Life insurance companies are already pricing policies to age 121, and Kim projects that listeners in their 30s and 40s may reach 120, 130, even 140. The episode also covers the efficient debt framework, where Kim explains why a mortgage at 8% or below is a good loan and why cash outside the home is almost always more valuable than home equity. The episode tackles the 4% rule directly. Once accepted as a reliable withdrawal guideline, it has been quietly revised downward to 3.5%, 3%, and in some conversations 2.5%, while pundits on the other end are telling people they can safely take 5.5%. Todd Langford's analysis of a $2 million portfolio showed it running out in as few as 14 to 15 years, leaving a 65-year-old potentially without income at 80. Kim and Spencer also address the emotional and psychological dimensions of stopping work entirely, making the case that retirement is not just a financial risk. For many people, it may be a health risk too. Links & Resources Mentioned For resources and additional information of this episode go toEmpower Your Finances With Our Prosperity Podcast Empowering Parents, Nurturing Futures - Prosperity Parents Kim D. H. Butler Keywords retirement planning, 4% rule, retirement savings, financial freedom, longevity risk, inflation and retirement, dollar worth less, whole life insurance, prosperity economics, prosperity thinkers, retirement math, efficient debt, home equity vs cash, time value of money, retirement withdrawal rate, financial education, 4% withdrawal rule problems, cash flow in retirement, how much to retire, living longer retirement planning Episode Highlights [00:00:00 - 00:01:50] Kim defines retirement as "taken out of service" and explains why the word conflicts with human purpose. [00:01:50 - 00:02:55] Spencer frames what people are actually doing: moving to Mexico, selling the house, working until 90. [00:03:18 - 00:05:13] Kim details why expenses triple: inflation at 3%, compounding lifestyle costs, and the example of her father in his mid-80s. [00:05:13 - 00:06:17] Spencer pushes back: is it rising expenses, or a dollar worth less? Kim confirms it is the dollar. [00:06:17 - 00:07:17] Kim explains efficient debt: why a mortgage at 8% or below is a good loan and why home equity is not the same as cash. [00:07:17 - 00:09:17] Kim walks through a real client scenario: $400K liquid vs. paying off the mortgage, and why cash wins. [00:09:17 - 00:11:25] Spencer presents three retirement target tiers: $800K, $1.46M, $2.67M and asks Kim to weigh in. [00:10:20 - 00:12:00] Kim addresses the Dave Ramsey $2.5M endorsement and Todd Langford's math showing it running out in 14-15 years. [00:11:25 - 00:14:59] Kim explains the 4% withdrawal rule, its quiet downward revisions, and why linear math fails in a time-based system. [00:15:00 - 00:17:07] Kim and Spencer address the human cost: purpose, physical health, and the psychological and physiological identity tied to work.  

In this episode of 'Retire with Style', Wade Pfau and Alex Murguia discuss the non-financial aspects of retirement with Jason Rizkallah. They explore how relationships change during retirement, the importance of maintaining social connections, and the need for communication between spouses. The conversation also touches on balancing time spent together and apart, as well as the significance of leading a healthy lifestyle in retirement. The hosts emphasize the importance of planning and discussing these changes before and during retirement to ensure a smooth transition. In this conversation, Jason Rizkallah discusses the various lifestyle changes that come with retirement, emphasizing the importance of building new routines, finding purpose, and maintaining social connections. He highlights the challenges of unstructured time and the need to adapt to aging, while also encouraging a positive outlook on these transitions. The discussion covers practical strategies for navigating retirement successfully, including the importance of planning and fostering relationships. Listen now to learn more!   Takeaways Relationships may change significantly after retirement. Engaging in hobbies can help meet new people. Communication with your spouse about retirement goals is crucial. Expect changes in household roles after retirement. Discussing financial plans is important for a successful retirement. Balancing time together and apart is key to a healthy relationship. Planning for family obligations is necessary in retirement. Mental and physical health are both important in retirement. It's never too late to have important conversations about retirement. Most folks operate under a routine to some degree. Creating a new routine is important in retirement. You have to make an effort to maintain social connections. Avoid the trap of doing nothing in retirement Chapters 00:00 Introduction to Retirement Planning 02:07 Navigating Relationship Changes in Retirement 12:51 Balancing Time Together and Apart 18:46 Maintaining a Healthy Lifestyle in Retirement 19:36 Building New Routines in Retirement 24:06 Transforming Lifestyle Changes into Opportunities 29:37 Navigating Unstructured Time 31:34 Strengthening Relationships in Retirement 33:40 Embracing Aging and Its Challenges   Links Join Our Next Live Q&A Session! We're hosting our next Retire With Style YouTube Live Q&A on Wednesday, June 3rd at 12:00 PM ET. Wade and Alex will be answering your retirement planning questions live! ✅ Submit your question in advance at retirewithstyle.com ✅ Or join us live and ask your question in the chat Come be part of the conversation—your questions often inspire future episodes!

Retirement, it turns out, doesn't come with a handbook. On this Tourism Tuesday Winchester/Frederick County edition of The Valley Today, host Janet Michael and Justin Kerns finally talk an avowed dog person into stepping inside a cat café — and what they find on the Piccadilly corner of the Old Town Walking Mall is something more carefully built than they expected. Chris Goebel, who retired to Virginia at 57 and went looking for purpose, opened Biscuits & Beans Cat Cafe on April 1st with his wife and family. Three weeks later they had welcomed nearly 1,400 guests and were on pace to donate $50,000 a year to local rescues. Chris and General Manager Chelsea Champ walk through the why behind every design decision — separate HVAC systems, a glass-walled "catquarium," 15 socialized cats max at a time, "no tips, just tails" as a built-in donation model, and a coffee program built entirely on steamed cold brew. Plus: how the reservation system works, what kinds of people are showing up (a younger demo than usual for the walking mall, including a lot of first dates), the June "Colored Collection" Pride drinks, and what's on the menu beyond coffee. Justin closes out with Hop Blossom, the VA 250 lineup, and a very gentlemanly update on the Middletown Maulers vintage baseball team. VISIT INFO — BISCUITS & BEANS CAT CAFÉ Located on the Piccadilly corner of the Old Town Walking Mall in downtown Winchester  Hours: Mon–Thu 10 AM–6 PM • Fri & Sat 10 AM–7 PM • Sun 10 AM–5 PM (open 7 days) Café: walk in any time during open hours — no reservation needed Cat Lounge: reservations required • 40-minute sessions • max 7 guests, up to 15 cats • $12.50 per person Private sessions: $75 for the full 40-minute space (up to 7 people) — great for first dates, girls' nights, bachelorette starts, coworker outings, or a quiet solo break  Allergy-friendly: separate HVAC and glass partition between the café and the cat lounge Kids welcome — any age, with one adult per child under 7 Adoption: meet a cat you love? You can get pre-approved before or during your visit and take them home the same day LINKS & RESOURCES • Biscuits & Beans Cat Café — biscuitsandbeans.com (reservations + menu) • Biscuits & Beans on Facebook, Instagram, and TikTok • Just Tails Foundation (501(c)(3) supporting local rescues) — justtails.org • Visit Winchester events calendar (Hop Blossom, VA 250, and more): visitwinchesterva.com → Events THE VALLEY TODAY with Janet Michael — A decade of conversations. New podcast episodes drop weekdays at 11 AM. Catch the show on The River 95.3 and Fox Sports 1450 AM weekdays just after noon. Subscribe and listen at thevalleytodaypodcast.com — available on Apple Podcasts, Spotify, and wherever you get your podcasts. If you enjoy the show, please take a moment to leave a rating or review — it helps more listeners find us. Connect with us: Facebook — facebook.com/ValleyTodayFanPage Instagram — instagram.com/thevalleytoday

Send us Fan MailI don't know if you've noticed, but writing checks is almost a thing of the past. Most people write very few, if any, checks anymore. The digital transfer of money has become quicker and easier with the advent of multiple options for cash transfers, such as ACH, debit cards, Zelle, and Venmo. But, are electronic money transfers safer?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

What if the biggest retirement mistake has nothing to do with money—but everything to do with the decisions behind it? In this episode, Jim Fox explores how retirement choices driven by emotion or assumptions can lead to unexpected regrets, from relocation decisions to spending habits. He explains why understanding your “why” matters more than chasing returns, and how aligning income, taxes, and lifestyle goals can shape retirement outcomes. Jim also highlights the importance of personalized planning, showing how a thoughtful approach can help balance enjoyment, efficiency, and long-term flexibility. Ready to connect with Jim today? Get some Financial Straight Talk! Follow us on social media: YouTube | FacebookSee omnystudio.com/listener for privacy information.

Could your retirement last 40 years—and is your income ready for it? Kevin Madden breaks down the reality of longer lifespans and why consistent cash flow matters more than ever. From guaranteed income options and Social Security timing to the impact of inflation, taxes, and market changes, this episode explores how retirees can structure income to keep pace with an evolving financial landscape. Plus, insights on “spring cleaning” your portfolio, avoiding redundancy, and making smarter decisions with old 401(k)s and investment accounts. Get Your Complimentary Retirement Roadmap Your roadmap will include: A retirement income strategy A test to see how long your money will last A tax-planning strategy See omnystudio.com/listener for privacy information.

Lucas Tyler ended his wrestling career just a few months ago! Now, he joins us to discuss what lead to his decision and what he's been up to since! 

Today - A warning about how much information you give an AI chatbot. Artificial intelligence tools like ChatGPT, Claude, and Gemini have made getting financial advice faster and easier than ever. But as the AI gold rush heats up, a massive privacy risk is emerging. Clark breaks down the critical things you should never tell an AI chatbot.  Also - The anatomy of a Ponzi scheme that RIPPED OFF $140 million from “investors.”  Clark covers two massive fraud cases—Drive Planning and First Liberty—which collectively defrauded thousands of investors out of hundreds of millions of dollars. When inflation or economic uncertainty makes us feel insecure about our money, we become susceptible to smooth pitches. Clark reminds us of the ultimate golden rule of investing: any time someone promises you "guaranteed" double-digit returns with zero risk, it is a lie. Learn how these schemes operate so you can spot the red flags, protect your hard-earned savings, and secure your financial future. Plus, Lane (Clark's wife!) shares your #AskClark questions and Clark gives his take. All this and more on the June 1, 2026, episode of The Clark Howard Show. Submit questions: Ask Clark AI Privacy Risk: Segment 1 Ask Clark: Segment 2 Ponzi Schemes Steal Millions: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Don't tell your AI chatbot these 5 things to keep your money safe  Where Should You Keep Your Cash Reserve? - Clark Howard 6 Things To Know About Series I Savings Bonds - Clark Howard How To Open a Roth IRA Anatomy of a Ponzi scheme How to Teach Young Kids About Money - Clark Howard How I Set My Teens Up for Retirement in 5 Minutes What Brokerage Do You Recommend for First-Time Investors or Kids? How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices. Visit megaphone.fm/adchoices

Most DIY investors spend their energy optimizing investments. The wealthiest investors optimize systems. According to Vanguard, a great advisor can add roughly 3% to your portfolio -- not by picking better stocks, but by keeping you from wrecking what you already have and by making the boring structural decisions most people skip. Joe and OG walk through the return boosters that actually move the needle, none of which involve a single exotic investment. OG and Anna follow up with the retirement withdrawal sequence that turns a good tax strategy into a great one.What You'll Walk Away WithWhy staying invested is the single highest-return move available to most investors -- and the Wall Street Journal archive experiment that proves it better than any chartHow news addiction creates the three portfolio killers: panic selling, market timing, and the constant feeling that today is the day to make a moveWhy your investment policy statement is a shock absorber between your emotions and your account -- and why advisors often beat DIY investors not by picking better funds but by being harder to reach on bad daysAsset location: the quiet return booster that moves money into the right tax shelter without changing a single investmentWhy tax loss harvesting is widely marketed to the wrong people -- and who actually has a strong use case for itSocial Security timing as a portfolio decision: why "I don't have to decide today" is sometimes the most financially sophisticated answer availableThe sequence of return risk trap that turns retirement into a constant anxiety loop -- and the simple margin of safety that makes it irrelevantThe lightning round: concentrated stock, leverage, crypto yield products, options trading, rebalancing, and tax efficiency -- return or trouble?OG and Anna on the distribution ladder: how to sequence withdrawals from pre-tax, brokerage, and Roth accounts to minimize taxes in retirementWhat IRMAA is, why it shows up two years after the decision that caused it, and why Roth conversions need to happen in November -- not MarchWhy This Matters NowIf you've been dollar-cost averaging into index funds and calling it a day, this episode is the next conversation. The gap between a well-built system and a random pile of investments isn't measured in which funds you chose -- it's measured in taxes paid, sequence of returns survived, and whether you had a plan when everything felt uncertain.From the BasementJoe and OG dig into the return boosters that have nothing to do with picking better investments -- recorded while OG is already inside Hollywood Studios at 4 AM trying to figure out the Lightning Lane math. OG and Anna deliver episode four of their financial basics series with a full walkthrough of tax-efficient withdrawal sequencing, including the IRMAA trap, Roth conversion timing, and why the tax triangle you built in season one is the whole point. Doug arrives with Studebaker trivia. The community delivers an anonymous car buying post that may be the most actionable 200 words the basement has produced all year. And the Stacking Benjamins Inner Circle scam gets called out by name.Resources MentionedStacking Benjamins Scorecard -- stackingbenjamins.com/scorecard; free tool to evaluate your current financial positionStacking Benjamins Basics Guide -- season one and season two workbooks free at stackingbenjamins.com/basicsguideStock Market Maestros episode -- linked at stackingbenjamins.com; on the habits of the world's best investorsStacking Benjamins YouTube channel -- youtube.com/stackingbenjamins; full OG and Anna basics seriesStacking Benjamins Vault -- stackingbenjamins.com/vaultStacking Benjamins Newsletter (The 201) -- stackingbenjamins.com/201Stacking Benjamins Community (The Basement) -- stackingbenjamins.com/basementStacking Benjamins Meetups (BAD Groups) -- stackingbenjamins.com/BADSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Retirement feels different when you're close enough to see the real fears and trade-offs. Hana is just a few years away from stepping out of active duty, and she shares what it's like to stand in that in-between space—excited for a slower pace, but still navigating purpose, parenting, and the question of “am I actually ready?”She talks about dreaming of morning pickleball, the frugal roots that shaped her money habits, and how starting to invest later than she planned didn't stop her from getting ahead. She also opens up about slow travel, building up her “superhero account” for early retirement, and carrying purpose into the next chapter by doing a small amount of meaningful work instead of going fully idle.Hana also reflects on the financial and emotional lessons that came from her divorce—and why honest money conversations matter more than most people admit.If you're preparing for retirement and feeling hopeful, anxious, or somewhere in the middle, Hana's story is a reminder that you're not behind. You're just human. And there's a thoughtful, steady way forward.--Hana is not a client of Root Financial Partners, LLC and received no compensation for participating in this video. His statements reflect his own opinions and experience and are not indicative of any specific client's experience and are not a guarantee of results. No cash or non-cash compensation was provided, and no material conflicts are known.Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA  is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.

Seamus McElearney spent years as an FBI agent doing what nobody had done in over a hundred years — he flipped a made man inside the DeCavalcante crime family. The same family the world knows as the real life inspiration behind The Sopranos. In this episode of Locked In with Ian Bick, Seamus breaks down exactly how he did it and what happened next. What followed was one of the most remarkable chain reactions in FBI history — flipping one mobster led to three more cooperating witnesses, then a captain, then an acting boss. By the end Seamus and his team had solved eleven murders, convicted seventy one defendants and completely dismantled the DeCavalcante crime family. He also led the takedown of the Colombo and Bonanno families — arresting 120 members and associates including the top leadership of both organizations. _____________________________________________ #TheSopranos #FBI #organizedcrime _____________________________________________ Connect with Seamus McElearney: Buy His Book: https://www.amazon.com/Flipping-Capo-Dismantled-Real-Sopranos/dp/B0DWHS2YVS LinkedIn: https://www.linkedin.com/in/seamus-mcelearney _____________________________________________ Hosted, Executive Produced & Edited By Ian Bick: https://www.instagram.com/ian_bick/?hl=en https://ianbick.com/ _____________________________________________ Shop Locked In Merch: http://www.ianbick.com/shop _____________________________________________ Timestamps: 00:00 The FBI Agent Who Took Down the Real Sopranos — Seamus's Story 00:20 Growing Up in the Bronx — How It Shaped the Agent He Became 02:56 The Education and Early Career That Led Him to the FBI 04:34 What FBI Selection and Training Actually Look Like From the Inside 07:58 Back to New York — Learning the City and His First Real Cases 09:21 His First Organized Crime Assignment and What It Really Looked Like 10:58 How It All Started — The Robbery and Murder That Opened the Case 13:03 The Witnesses Who Came Forward and How He Built the Investigation 15:39 Wiretaps Decoding Mob Communication and Recording the Evidence That Changed Everything 20:24 When the Arrests Began — Taking Down an Entire Crime Family 21:26 How He Built Enough Trust to Flip an Actual Made Man 25:36 The Domino Effect — How One Cooperator Brought Down an Entire Organization 30:33 Surveillance Searches and the Murders They Uncovered Along the Way 36:51 Preparing for Trial — The Challenge of Actually Convicting Mob Members 45:01 Inside the Courtroom — What It's Really Like Prosecuting Organized Crime 53:49 How Mob Investigation Tactics Have Evolved and Why It Matters 01:03:38 The Major Busts and How Technology Changed Organized Crime Forever 01:10:11 Why the Mob Never Dies and How Modern Gambling Keeps Them Alive 01:13:41 The Real Mob vs The Sopranos — What the Show Got Right and Wrong 01:20:14 Life After the Mob — Gangs Fraud and What Came Next 01:24:09 Retirement and the Private Sector — What Life Looks Like After the FBI 01:26:47 The Lessons From a Career Spent Taking Down America's Most Dangerous Criminals 01:32:17 The Ethics of Using Cooperators — Where the Line Really Is 01:33:02 Why Mob Cooperators Are Going Public and What It Means 01:33:37 Final Thoughts and His Book — What He Wants You to Know _____________________________________________ To advertise on the show, contact sales@advertisecast.com or visit https://advertising.libsyn.com/LockedInWithIanBicka Learn more about your ad choices. Visit podcastchoices.com/adchoices

Jezebel Sweet: Former Corey's Angel, Jezebel Sweet finally sits in to chat with your boys and share stories with the Goblin Ghoul.Stone Cold Steve Austin: Adrien Skye got Stone Cold got all worked up and ready to come out retirement.Robot Fails: We love a good robot fail and this robot dancing to Billie Jean by Michael Jackson is an all timer.THE BEAR!, FUCK YOU WATCH THIS!, HANDS ON THE WHEEL!, SCHOOLBOY Q!, A$AP ROCKY!, LISSIE!, STREAMATHON!, GOATS!, MILKMAN!, JOBS!, CASH!, HOPE!, BACON!, PASSING THE 8 HOUR MARK!, BIG BLACK DICK DILDO!, JOHNNY APPLESEED!, JEZEBEL SWEET!, ANGEL JACKIE!, WOLFPACK!, 22!, TEAM!, KISMET!, TOUCH OF DESTINY!, NMAN!, MOVED IN!, SNEAK OUT OF THE HOUSE!, COURTNEY ANN!, MARRIED!, CULT!, LEARNED BASS!, GUITAR!, COREY'S ANGELS!, BLONDE GIRLS!, FINALE SPECIAL!, LEGAL REPURCUSSIONS!, RESTRAINING ORDER!, GAG ORDER!, LAPD!, ATTEMPTED MURDER!, STABBING!, MONSTER TRUCKS!, WEED!, DRUGS!, MOLLY!, OXY CONTIN!, ALLEGEDLY!, SATANIC!, TOUR!, TRUE CRIME!, SURVIVOR INSTINCT!, FOUND IN A DITCH!, LAPD!, CONSPIRACY!, ADRIEN SKYE!, CONTRACT!, TAROT CARD!, FUTURE READING!, HERMIT!, LOVERS!, DEATH!, SANTERIA!, CHICKEN BONES!, STONE COLD STEVE AUSTIN!, DEBORAH!, WHAT!?, RETIREMENT!, HAUNTED!, THE ENTITY!, THE KILL SWITCH!, MISSION IMPOSSIBLE!, ROBOT!, MICHAEL JACKSON!, MOONWALK!, BILLIE JEAN!, FAIL!, FALL OVER!, DRAGGED AWAY!, DEAD!, FOX NEWS!, LIZARD MASK!, FLEX PASS OUT!You can find the videos from this episode at our Discord RIGHT HERE!

Don and Tom tackle some of the most common retirement planning mistakes, with a particular focus on taxes and the danger of becoming overly obsessed with them. They discuss taxable Social Security benefits, the importance of diversifying across account types, Roth conversion considerations, tax-loss harvesting, and why most retirement decisions ultimately fall into the category of “it depends.” They also answer a listener question about navigating poor 403(b) plan options and the advantages of a 457 plan for educators. Finally, they dive deep into a thoughtful challenge from a listener regarding Avantis and Dimensional factor funds versus traditional Vanguard index funds, examining the evidence for factor tilts, the role of risk premiums, costs, and whether higher expected returns justify modestly higher expense ratios.0:05 Retirement planning mistakes, taxes, retirement income, financial independence, retirement readiness1:58 Tax obsession, retirement taxes, income planning, financial priorities, wealth management2:43 Social Security taxation, taxable benefits, retirement income, Social Security myths, tax planning5:14 Tax diversification, traditional 401(k), Roth accounts, brokerage accounts, retirement savings7:57 Roth IRA, young investors, compound growth, retirement investing, tax-free income9:11 Tax-loss harvesting, brokerage accounts, capital gains, tax strategy, investment management10:03 Roth conversions, Medicare IRMAA, retirement taxes, financial planning, tax efficiency12:03 Inherited IRAs, heirs, estate planning, retirement accounts, legacy planning13:35 403(b) plans, 457 plans, retirement savings, school employees, listener question15:29 403(b) Wise, 457B Wiser, educator retirement plans, high fees, retirement options18:35 Roth IRA investing, small-cap funds, emerging markets, diversification, asset allocation19:38 Avantis funds, Dimensional funds, Vanguard funds, factor investing, index investing23:55 Fama-French research, small-value premium, indexing, active management, factor premiums26:08 Rules-based investing, passive investing, factor tilts, portfolio construction, diversification27:02 Small-cap value investing, fund performance, index comparisons, advisor value, investment returns30:25 International small value, emerging markets, factor premiums, diversification, expected returns32:55 Academic investing research, Nobel Prize economics, risk premiums, value investing, factor investing35:18 Portfolio construction, asset allocation, diversification, retirement planning, investment strategy36:16 Free portfolio review, financial advice, portfolio allocation, retirement readiness, fiduciary planningQuestions? Comments? Click!

If you want to spend more at the beginning of retirement, which withdrawal strategies actually let you do that? This week's Retirement Headline from Amy C. Arnott called "The Best Strategies for Boosting Starting Withdrawal Rates in Retirement" answers that question. For our Listener Question: A listener wrote in wondering whether sequence-of-returns risk really fades away after the first decade of retirement, and if so — whether that means it's safe to bump withdrawals up to 5.5% or more later in the game. And we wrap it up with another Retire To Something segment. Resource: Article by Amy C. Arnott
 at Morningstar: The Best Strategies for Boosting Starting Withdrawal Rates in Retirement     Connect with Benjamin Brandt: Subscribe to the This Week in Retirement: http://thisweekinretirement.com Get the Retire-Ready Toolkit: http://retirementstartstodayradio.com Work with Benjamin: https://retirementstartstoday.com/start Get the book!Retirement Starts Today: Your Non-financial Guide to an Even Better Retirement Follow Retirement Starts Today in:Apple Podcasts, Spotify, Overcast, Pocket Casts, Amazon Music, or iHeart  

A retirement is a terrible thing to waste. Don’t just retire. Design your new phase of life – with intention. Our next groups start in September. The very early registration discount ends June 21st. Learn more. ________________________ Retirement rarely unfolds exactly as planned. For Jerry Goodstein, retirement began with a clear sense of direction and a meaningful endeavor. But unexpected challenges, a deeply emotional experience helping his daughter move across the country, and an encounter with the world of ADHD coaching changed everything. In this conversation, Jerry shares how his retirement story became less about executing a blueprint and more about learning how to “turn into the swerve”  by staying open to reinvention, purpose, lifelong learning, and becoming someone new later in life. This is a thoughtful conversation about identity, letting go, service, and the surprising ways purpose can evolve, over time and in ways you may not expect, after retirement. In This Conversation, You'll Learn Why God laughs at your retirement plans How unexpected “swerves” can open new directions in life The opportunities to repurpose your skills in retirement Why letting go of identity is often difficult for high achievers How lifelong learning can reignite energy, curiosity and engagement What coaching taught Jerry about listening and presence Why service became more important than living a life of leisure ___________________________ Bio Jerry Goodstein is Professor Emeritus, Carson College of Business, Department of Management, Information Systems, and Entrepreneurship at Washington State University. Dr. Goodstein received his Ph.D. in Business Administration from the University of California, Berkeley, and his MBA and BA in Economics and Geography from the University of California, Los Angeles. He conducted research and taught business ethics, leadership, and strategy at the undergraduate and graduate levels for over three decades at Washington State University and the University of Illinois. His research on restorative justice in organizations, corporate and stakeholder responsibility, and second chance hiring has been published in leading management and business ethics journals. He is co-editor, along with Dr. Mary Gentile, of Giving Voice to Values: An Innovation and Impact Agenda, published in 2021. After retiring from Washington State University in May 2020, Dr. Goodstein continued work he had begun in 2019 to bring together businesses, criminal justice partners, and community-based organizations to develop employment-based opportunities for formerly incarcerated men and women. In January 2023 Dr. Goodstein made a major retirement/life shift to become a Certified ADHD Life Coach. He founded Where You Are ADHD after completing his ADHD life coaching program in December 2023. Since then, he has been coaching youth (teens and tweens) with ADHD. Dr. Goodstein partners with public and community-based organizations, especially those working with at-risk youth, to support both youth and their families in meeting the ADHD-related challenges they are facing in their lives. __________________________ For More onn Jerry Goodstein Where You Are ADHD _________________________ Retirement Podcast Conversations You’ll Also Love The Inspired Retirement – Nathalie Martin The Best Day of My Life So Far – Benita Cooper Changing the World One Small Act at a Time – Brad Aronson ________________________ Wise Quotes On Being Open to Reality “There are just some unanticipated swerves that come up…Turn into the swerve…Don't turn against it.” On Becoming a Beginner Again “It absolutely feels like a new beginning for me….“It's never too late to learn. It's never too late to evolve.” On Purpose “I don't think of myself as retired anymore….I've repurposed my purpose.” _______________________ About The Retirement Wisdom Podcast There are many podcasts on retirement, often hosted by financial advisors with their own financial motives, that cover the money side of the street. This podcast is different. You'll get smarter about the investment decisions you'll make about the most important asset you'll have in retirement: your time. About Retirement Wisdom I help people who are retiring, but aren't quite done yet, discover what's next and build their custom version of their next life. A meaningful retirement doesn't just happen by accident. Schedule a call today to discuss how the Designing Your Life process created by Bill Burnett & Dave Evans can help you make your life in retirement a great one — on your own terms. About Your Podcast Host Joe Casey is an executive coach who helps people design their next life after their primary career and create their version of The Multipurpose Retirement.™ He created his own next chapter after a 26-year career at Merrill Lynch, where he was Senior Vice President and Head of HR for Global Markets & Investment Banking. Joe has earned Master's degrees from the University of Southern California in Gerontology (at age 60), the University of Pennsylvania, and Middlesex University (UK), a BA in Psychology from the University of Massachusetts at Amherst, and his coaching certification from Columbia University. In addition to his work with clients, Joe hosts The Retirement Wisdom Podcast, ranked in the top 1% globally in popularity by Listen Notes, with over 2 million downloads. Business Insider recognized Joe as one of 23 innovative coaches who are making a difference. He's the author of Win the Retirement Game: How to Outsmart the 9 Forces Trying to Steal Your Joy.  

BUY THE SLOW LIVING BOOK HERE! Stephanie closes out the final episode of the Slow Living Podcast with an honest and heartfelt conversation about retirement, purpose, and what it really means to live a meaningful life. Rather than viewing retirement as the end of productivity or achievement, she explores how this season can become a shift toward presence, connection, rest, and intentional living. From redefining success beyond money and status to embracing a slower, more fulfilling lifestyle, this episode offers a refreshing perspective on retirement and personal growth.After five years of sharing reflections on slow living, motherhood, work-life balance, and creating a life aligned with her values, Stephanie shares why it feels right to step away from the podcast. She opens up about wanting more unstructured days, deeper family connection, yoga, rest, and the freedom to let life unfold naturally. Whether you're approaching retirement, craving a simpler life, or searching for purpose beyond achievement, this inspiring farewell episode will encourage you to slow down, look inward, and live life on your own terms.Want to know more about living a slowed down life?!Simple Shortcuts to Peace Course - https://stephanieodea.com/peaceNew Year, New You Mini Challenge - https://stephanieodea.com/newyouJoin me for my LIVE Masterclass - https://stephanieodea.com/masterclass/Website - https://stephanieodea.comBlog - https://stephanieodea.com/blog/Slow Living Podcast - https://stephanieodea.com/podcastSpeaking Opportunities - https://stephanieodea.com/speaking/Coaching Opportunities - https://stephanieodea.com/coaching/Courses - https://stephanieodea.com/courses/Contact - stephanieodea.com/contact/

Military retirement comes with some big financial decisions, but few create stronger opinions than the Survivor Benefit Plan. Some people believe SBP is essential protection for military spouses. Others say you're better off declining it and buying term life insurance instead.  In this episode, retired Army officer and Certified Financial Planner™ Kyle Packard breaks down the Survivor Benefit Plan, how it compares to term life insurance, and why this decision is about more than just cost. We're talking about the true value of a military pension, the protection gaps families often overlook, how military marriage and retirement transitions can impact this decision, and practical ways couples can think through what level of protection is right for their family.   For more MILMO, follow at: https://MILMO.co ItsMILMO on YouTube @itsmilmo on X @itsmilmo Instagram @itsmilmo LinkedIn @itsmilmo Facebook For more information, visit the full show notes at https://milmo.co/podcast/sbp-vs-term-insurance-military-retirement 

In episode 250 of the Transition Drill Podcast, explore breaking free from toxic cultures and rewriting your identity in transition for veterans and first responders navigating the high stakes of civilian life. You'll hear Riley Gruppo on overcoming systemic isolation, a traumatic medical retirement, and the pressure to be perfect, and what it takes to reclaim your personal mission as an entrepreneur.Riley grew up in a chaotic military family, groomed for a life of service under intense pressure. Seeking her own path, she entered an Early Commissioning Program at Valley Forge Military Academy before finishing her degree at Pepperdine University. Driven by ego and a fierce desire to prove her critics wrong, she chose the infantry branch right as combat arms roles opened to women.Her time on active duty at Fort Benning was defined by physical grit and systemic hurdles. Riley faced isolating dynamics as a woman in a heavily male dominated space, but she outperformed expectations until a severe knee injury forced a trajectory change. She pivoted to lead an integrated training unit on Sand Hill, but the unrelenting demands of command left no space to process personal loss, including the sudden death of her grandmother.Ultimately, a medical retirement forced her out of the uniform. Riley stepped into the corporate world in survival mode, quickly recognizing that the toxic cultures she tolerated in uniform existed in civilian offices too. After recognizing her skills in strategic planning and operations were highly transferable, she made the bold choice to quit corporate life and build her own brand, The Standard.Today, she helps clients navigate pivotal career transitions using a framework focused on the mind, body, and mission. She is also a passionate advocate for veteran healthcare, partnering with the Aspen Elevation Institute to pioneer cutting edge treatments for traumatic brain injuries and PTSD. Riley proves that when you leave the military, the ultimate mission becomes taking care of yourself.CONNECT WITH THE PODCAST:Instagram: https://www.instagram.com/paulpantani/WEBSITE: https://www.transitiondrillpodcast.comLinkedIn: https://www.linkedin.com/in/paulpantani/SIGN-UP FOR THE NEWSLETTER:https://transitiondrillpodcast.com/home#aboutQUESTIONS OR COMMENTS:paul@transitiondrillpodcast.comCHAPTERS00:00:00 - Intro: The Question That Opens Grief00:03:18 - Grandmother as the Anchor00:06:38 - Relearning How to Be Human00:08:38 - Groomed for the Infantry00:12:20 - Texas, Divorce, and Survival00:15:27 - Broken Homes, Servant Hearts00:21:19 - Good Memories Inside Chaos00:22:24 - Excellence Built on Fear00:25:24 - Living Alone Senior Year00:29:08 - Valley Forge and the Hard Way00:36:42 - Choosing Infantry00:38:00 - The Injury That Changed the Path00:44:18 - Pivoting Away From Infantry00:50:24 - The Cost Behind the Badge00:55:33 - Medically Retired, Ready to Leave00:58:09 - Seeing the Culture After Leaving01:03:30 - Isolation in Uniform01:09:30 - Women, Competition, and Change01:25:00 - Now the Mission Is You01:38:04 - Healing the Brain, Helping OthersSPONSORS:GRND Collective: Premium, veteran-owned sportswear built for those who show up, outwork the excuses, and give 100%. Score 15% off your order at thegrndcollective.com using promo code TRANSITION15 at checkoutBlue Line Roasting: Premium, law-enforcement-owned coffee roasted to fuel the shift. A portion of every order directly supports law enforcement families facing line-of-duty injury or loss. Save 10% at bluelineroasting.com with promo code Transition10Frontline Optics: Premium eyewear founded by a firefighter and built to withstand the job. Every single purchase helps support the First Responders Children's Foundation, serving families who've paid the ultimate price. Save 10% off your pair at frontlineoptics.com using promo code Transition10

Can you really know if you're ready to retire? Jeremiah and Alex spend much of this episode unpacking one of the most commonly misunderstood tools in financial planning: retirement projections and Monte Carlo simulations. They explain what an 85% or 90% probability of success actually means, why those numbers can be useful, and where they can create a false sense of certainty if they're viewed in isolation. They explores sequence-of-return risk, retirement spending assumptions, inheritance surprises, and the reality that successful retirement planning requires far more than simply hitting a target number. Later in the show, Jeremiah and Alex tackle another area where people often misunderstand the rules: company stock compensation. They break down how RSUs, stock options, and employee stock purchase plans work, why taxes can catch employees off guard, and the planning opportunities available when company stock becomes a meaningful part of your net worth.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Jeremiah Bates & Alex Lundgren ————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

Join us as we celebrate the wit, wisdom, and faithful service of Pastor David Miller on his final Sunday at The Harbor after 11 years as our Community Care Pastor and 45 years in ministry. In this special conversation, Senior Pastor Jeff Maness sits down with David to reflect on the journey God has led him on, the lives he has touched, and the lessons he has learned along the way. You'll laugh, be encouraged, and gain insight from a pastor whose love for people and passion for Jesus have left a lasting impact on our church family. As we honor David's remarkable legacy, we also express our gratitude and send him into this next season with our love and prayers.Find us on:YouTube: YouTube.com/TheHarborInstagram: Instagram.com/TheHarbor_lifeFacebook: Facebook.com/TheHarbordotlifeWebsite: https://www.TheHarbor.lifeWatch/listen on The Harbor AppNew episode every week!

In this episode of Dollars & Sense, Kristin Kalley and Christina Lamb tackle two important financial topics that can have a big impact on your family's future. First, they break down which accounts parents should prioritize when they have a baby, including 529 plans, custodial accounts, and newer savings opportunities that could help build long-term, tax-advantaged wealth for children. Then, they shift gears and unpack some of the most commonly misunderstood federal income tax rules—covering tax brackets, write-offs, refunds, Roth conversions, capital gains, and more.If you've ever wondered how to start saving for your child, or if you've heard tax advice that sounded a little too simple to be true, this episode will help you think more strategically and avoid costly mistakes.

The  Moose on The Loose helps Canadians to invest with more conviction so they can enjoy their retirement. Watch the 5 Retirement Plan Vulnerabilities webinar: https://retirementloop.ca/webinar Today, we talk about the toughest thing to do at retirement: spend your money! It's all about dividend growth investing! Subscribe to the best free dividend investing newsletter: https://thedividendguyblog.com/newsletter Get the 20 income products guide for retirees: https://retirementloop.ca/income/

退休 tuì xiū - retirement; to retire窮困 qióng kùn - poor; impoverished欠債 qiàn zhài - to be in debt家庭因素 jiā tíng yīn sù - family-related factors職場 zhí chǎng - workplace陪伴 péi bàn - to accompany; to spend time with規劃 guī huà - planning; to plan把錢投入股市 bǎ qián tóu rù gǔ shì - to invest money in the stock market退而不休 tuì ér bù xiū - retired but still active/working全職的工作 quán zhí de gōng zuò - full-time job職業 zhí yè - profession; occupation演講 yǎn jiǎng - speech; to give a speech收入來源 shōu rù lái yuán - source of income減少 jiǎn shǎo - to reduce; to decrease保障制度 bǎo zhàng zhì dù - security/protection system勞工退休金制度 (勞退) láo gōng tuì xiū jīn zhì dù (láo tuì) - labor pension system提撥 tí bō - to contribute funds regularly基本的生活保障 jī běn de shēng huó bǎo zhàng - basic living security固定 gù dìng - fixed; stable繳 jiǎo - to pay (fees, taxes, insurance, etc.)國民年金 guó mín nián jīn - national pension股票 gǔ piào - stocks; shares公務員 gōng wù yuán - civil servant; government employee教師 jiào shī - teacher軍人 jūn rén - soldier; military personnel房價高 fáng jià gāo - high housing prices物價上升 wù jià shàng shēng - rising prices; inflation平均壽命 píng jūn shòu mìng - average lifespan提早 tí zǎo - early; ahead of time理財 lǐ cái - financial management房地產 fáng dì chǎn - real estateFollow me on Instagram: fangfang.chineselearning !

BAHALOTECHAIs Retirement an Option?Summer is upon us, and with it a season of rest for some.Nevertheless, a Jew needs to live in constant upward motion. He must break into new territory, advance beyond himself, and move the world toward a better place. Rather than going with the flow and waiting for miracles to happen, a Jew pushes against the current and expands the boundaries of his influence.

Lens #01: 3 Shifts the Ultra-Wealthy Already Made (And You Haven't)The wealthy rewrote the investment playbook years ago - here's how to catch up.Episode SummaryIn this episode of The Lifestyle Investor Podcast, host Justin Donald breaks down the three shifts separating the ultra-wealthy from everyone else. You'll learn why the stock market is the alternative investment (not the other way around), how family offices give wealthy families an unfair advantage, and why cash flow - not net worth - is the real measure of financial freedom.Question of the DayOf the three shifts - public to private markets, investment advisor to family office, or net worth to cash flow - which one challenges YOUR current strategy the most? Drop it in the comments.Key Take-awaysThe ultra-wealthy hold 59-70% of assets in alternatives, not public marketsLess than 1% of money managers beat the S&P 500 over 30 yearsYou can achieve financial freedom through cash flow before becoming a millionaireThe "accumulate and deplete" retirement model is outdated and brokenFamily office infrastructure is no longer reserved for billionairesTimestamped Outline00:00 - Introduction01:08 - Three shifts reshaping the investment world01:20 - Shift 1: Public markets to private markets02:19 - How family offices actually invest (59-70% in alternatives)03:28 - Shift 2: Investment advisor to family office03:59 - Why most money managers underperform the S&P 50004:28 - What a family office looks like05:10 - Shift 3: Net worth to cash flow05:37 - The outdated "accumulate and deplete" model06:24 - Financial freedom today, not someday06:52 - So what do you do about it07:16 - What's coming next weekLinks & ResourcesSubscribe to The Lifestyle Investor Lens → http://lifestyleinvestor.com/newsletterConnect & CTA

It is no fun being stuck. Retirement can have this effect on us. We can feel strapped to our past or our present. We can't seem to conceive of a reason to do anything.

"Don't just sit there and coast along thinking your financial prowess is going to win the day." Host Laurie Barkman sits down with Susan Latremoille, Founder of Next Chapter Lifestyle Advisors, and discusses the retirement myth and the conversation that the advisors are missing. Susan spent nearly four decades in financial services watching well-prepared clients fall apart emotionally after selling their businesses — and watching their assets walk out the door with them. After losing a $100 million client post-transaction to the bank that handled the deal, Susan pivoted her entire career to answer the question the financial services industry had been avoiding: what happens to your client — and your relationship — after the money lands? Laurie and Susan unpack the ugly myth of retirement, the factors affecting exit regrets, and exactly how financial advisors can turn this gap into their greatest differentiator.   Key Insights The Hollywood version of retirement is a myth — and your clients believe it. The idea that selling the business means sailing off into unlimited golf, travel, and happiness is exactly the opposite of what many business owners actually experience. The sooner advisors challenge this narrative, the better positioned they are to serve their clients.   75% of business owners regret exiting within the first year. This figure has been consistent across surveys since 2013. It points directly to a planning gap that advisors are uniquely positioned to fill — if they're willing to have the harder conversation.   The conversation about identity and purpose is not "soft" — it's the most critical planning work an advisor can do. When a founder exits, they don't just lose a company — they lose their social circle, their daily structure, their title, and their reason to get up in the morning. Laurie and Susan emphasize that advisors should stop dismissing this as someone else's job and start treating it as a core part of the transition conversation.   Silence on the personal side has real, measurable consequences. The aftermath of an unplanned exit can show up as depression, broken marriages, health decline, and worse. This key message to advisors is clear: you are in the room, you have the relationship, and you have the responsibility to ask the harder questions — not just review the portfolio. The higher the achiever sitting across from you, the more they need someone to have that conversation with them.   A $100 million wake-up call: the relationship ends at the transaction if you're not in the room. Susan lost her biggest client the day he sold his company because she had no role beyond managing his retirement money. Advisors who aren't engaged in the personal planning conversation have no seat at the table — and no leverage to retain assets after a liquidity event.   Up to 80% of business owners change financial advisors within one year of a liquidity event. The advisors who survive that window are the ones who went beyond portfolio management and helped their clients build a life plan that outlasted the deal. This is the next frontier for advisor differentiation — and AI is accelerating the timeline.   Chapters: 00:00 - Introduction of Susan Latremoille 01:40 - The Retirement Myth 02:21 - Bucket List vs. A Real Plan 03:00 - The Ugly Truth About Retirement 06:25 - Personal Planning to Avoid Exit Regrets 07:31 - The Four Core Losses After Exit 12:41 - The Five Consequences of an Unplanned Exit 15:29 - Personal Transition Process and Coping with Exit Regrets 20:09 - The Financial Implications of Exit Regret 20:46 - When Should These Conversations Start? 23:24 - The $100M Lesson: What Susan Lost and Why 25:51 - How Financial Advisors Can Stay in the Relationship 26:28 - Why Early and Consistent Transition Conversations Matter 27:31 - The Financial Advisor's Role Is Shifting   Is your business truly ready—and are you? Take the Succession Readiness Assessment to get a clear snapshot of where you stand and what to focus on next. https://btsherpa.com/succession P.S. Most owners don't realize where they stand until they're already in a transition. Take a few minutes now to understand your readiness—and give yourself more options later.   Connect with Laurie Barkman:  Website: https://lauriebarkman.me LinkedIn: in/lauriebarkman YouTube: @LaurieBarkman_BTSherpa   Connect with Susan Latremoille:  Website: https://nextchapterlifestyleadvisors.com  LinkedIn: https://www.linkedin.com/in/susanlatremoille  Email: Susan@nextchapterlifestyleadvisors.com  

In this solo episode of Beyond Retirement, Jacquie reflects on her conversation with Jermaine Ee (founder of HeirLight) from Episode 294. She distills Jermaine's wisdom on living intentionally, defining “enough,” and designing ordinary days that feel truly meaningful. Listeners get practical prompts and small experiments to bring more clarity, gratitude, and purpose into their daily retirement life.Why this mattersRetirement isn't just about filling a calendar—it's about creating days that genuinely satisfy. Jacquie explores how to step out of comparison, focus on what matters, and design a “perfect average day” that brings joy, not just busyness.What we coveredThe power of asking: “What would I do every day if money and recognition didn't matter?”Living with clarity: identifying what truly matters nowDefining “enough” and escaping the comparison trapJermaine's “tiny list” strategy for whose opinions matterDesigning your “perfect average day” (and why it's more important than big dreams)Meaning vs. busyness: how to choose fulfillment over a packed scheduleLegacy, conversations, and not waiting for the “perfect” momentBonus tips: new communities, prioritizing health, staying curious, capturing memoriesKey takeawaysClarity is love in practical form.Comparison is the thief of joy.Designing small, meaningful days matters more than chasing big achievements.Don't wait to have important conversations or experiences.Retirement is richer when you choose relationships, activities, and routines that energize you.WANT TO KICKSTART YOUR RETIREMENT JOURNEY?Start here: https://beyondretirement.ca/start-here/Book a FREE call with Jacquie: https://calendly.com/jacquiedoucette/discoveryCheck out the Beyond Retirement Library: https://placeforbooks.com

WWW.ADVENTUREFREAKSSS.COM Find your Ideal Destination Here: https://adventurefreaksss.com/ideal-destination-finder/ ================================= How to work with me: =================================

Most retirees no longer have a pension, and that changes everything about how you build retirement income. If you've ever felt like retirement planning is harder than it used to be, this episode explains exactly why, and what you can do about it.Ready to take your first step in retirement planning? Schedule a RetireReady Call at https://bit.ly/42nu7qPDownload your copy of the Retiring Today Magazine at https://bit.ly/4nDw5eERetirement used to rest on the three legged stool: Social Security, a pension, and personal savings. Today, with only 15% of private-sector workers having access to a pension, the responsibility of building reliable retirement income falls on you. This episode breaks down how income diversification and tax diversification work together to bring stability back to your retirement plan, and how structuring income for now, later, and forever changes how confidently you can retire.Chapters0:00 – The Three-Legged Stool2:30 – Why Retirement Feels Off-Balance8:00 – Income Diversification10:30 – Tax Diversification14:00 – Tax Laws Keep Changing16:00 – Social Security18:00 – Creating a Personal Pension--Loren Merkle, CFP®, RICP®, Certified Financial Fiduciary®https://merkleretirementplanning.com/staff-members/loren-merkle/Chawn Honkomp, CFP®, RICP®, Certified Financial Fiduciary®, CPA® https://merkleretirementplanning.com/staff-members/chawn-honkomp/Molly Nelson, Host of Retiring Today with Loren Merklehttps://merkleretirementplanning.com/staff-members/molly-nelson/--This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation. Medicare services provided through MRP Insurance, LLC. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by Elite Retirement Planning, LLC. MRP Insurance, LLC, is not affiliated with or endorsed by any government agency. This is an advertisement for insurance. By responding to the ad, you will be put in contact with a licensed insurance agent offering Medicare Advantage Plans, Medicare Supplement Plans, and Prescription Drug Plans. We do not offer every plan available in your area. Currently we represent [5] organizations which offer [22] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

(5) Jim McTague reports on Lancaster County's economy, noting record-breaking gasoline sales at Costco despite rainy weather, the rise of retirement-driven healthcare, and local "Luddite" opposition to a proposed data center in Columbia.KEYSTONE

After decades of saving and investing, how do you know when it's okay to truly enjoy your money? In this episode of Money Matters, Scott and Pat help a couple with nearly $8 million determine how much home they can comfortably afford after relocating to Florida, while another listener with more than $12 million asks whether Roth conversions still make sense given today's tax rules and retirement tax planning environment. They discuss retirement tax planning strategies, the dangers of chasing “popular” AI stocks, and how AI-powered scams are targeting investors and older Americans. What You'll Learn: -When Roth conversions can help lower future taxes -How much house people can realistically afford -Better retirement tax planning strategies -How to invest more tax efficiently -Warning signs of today's most common financial scams Join Money Matters:  Get your most pressing financial questions answered by Allworth's co-founders Scott Hanson and Pat McClain. Call 833-99-WORTH. Or ask a question by clicking here.  You can also be on the air by emailing Scott and Pat at questions@moneymatters.com. Download and rate our podcast here.

Jim and Chris discuss listener emails on Social Security survivor and ex-spouse benefits, using annuity income to satisfy RMDs, and annuity laddering strategies for both SPIAs and DIAs and MYGAs. (6:30) George writes in about a cousin who turns 62 in November 2026 and whose ex-spouse recently passed away — he wants to know what survivor and ex-spouse Social Security claiming options may be available. (19:45) A listener asks whether annuity income payments from a qualified annuity can be used to satisfy the RMD requirement on a separate IRA, potentially eliminating the need to take distributions from the IRA altogether. 43:15) The guys hear from a long-term buy-and-hold investor at the start of his transition from accumulation to decumulation who is drawn to the idea of purchasing SPIAs or DIAs in multiple chunks rather than a single lump sum and is curious about tradeoffs as well as how to apply a dollar-cost averaging mindset to annuity income. (1:01:00) Jim and Chris take a question from a listener about 2.5 years from retirement who is considering laddering MYGAs through his 401(k) and wants to know whether the yield advantage of A-rated carriers is worth the added risk compared to sticking with A+ or higher, and whether CD laddering might be a simpler alternative. The post Social Security, Annuity RMDs, Annuity Laddering: Q&A #2622 appeared first on The Retirement and IRA Show.

My Life as a Doctor: Reflections on Burnout, Calling, and Retirement by Stan Eisele, M.D. Authorstanmd.com https://www.amazon.com/My-Life-Doctor-Reflections-Retirement/dp/B0H22RBR21 A deeply honest physician memoir about burnout, calling, retirement, faith, and the human side of medicine. After forty years in medicine, Dr. Stan Eisele thought he understood what it meant to serve others. He was wrong. In My Life as a Doctor: Reflections on Burnout, Calling, and Retirement, Dr. Eisele shares a personal and thoughtful journey through the life of a physician. From the childhood loss that first drew him toward the healing professions, to the demands of medical school, residency, patient care, healthcare bureaucracy, career burnout, and the emotional transition into retirement, this memoir offers a clear and moving look at what it means to live a life of service. Dr. Eisele begins with the story of Chippers, his beloved childhood dog, whose illness became the first moment that opened his heart to medicine. What began as a desire to help animals slowly became a calling to care for people. His path led him through medical school at USC, internal medicine training, and decades of practice as a primary care physician. But the dream was not always easy. As the healthcare system changed, Dr. Eisele faced the pressure of insurance restrictions, HMO systems, corporate medicine, overwhelming documentation, emotional exhaustion, depression, and physician burnout. At times, the work that once felt like a calling began to feel like a burden. Then came a turning point. A move from San Diego to Eagle, Idaho, restored his sense of purpose and helped him reconnect with the heart of medicine: compassionate patient care, faith, family, and service. Later, a sudden life-threatening heart attack placed him in the unfamiliar role of patient instead of doctor. That experience changed his understanding of care, vulnerability, gratitude, and healing. In retirement, Dr. Eisele discovers that calling does not end when a career ends. Through community, music, faith, and service, he finds new ways to give back and a deeper understanding of what it means to live with purpose. This book is ideal for readers interested in: Physician memoirs and doctor stories Medical memoirs about burnout and healing Faith-based reflections on calling and purpose Retirement, identity, and life transitions Patient care, compassion, and the human side of healthcare Inspirational nonfiction about perseverance and service My Life as a Doctor is more than a medical memoir. It is a story of purpose, resilience, gratitude, faith, and the quiet strength found in showing up for others with compassion, humility, and grace.

Every major life transition comes with a roadmap. Parenting. Career changes. Retirement. But when divorce begins, most people are suddenly making complex financial decisions alone — without a coordinated team, without a clear plan, and without any idea how those decisions will quietly shape their lives for decades to come. That ends today. Karen McMahon sits down with Karen Chellew and Catherine Shanahan, co-founders of My Divorce Solution, to walk you through what they call the Divorce Financial Playbook — and it is exactly what most people wish they'd had from day one. As divorced parents themselves, they built the company they wish had existed, because no one should have to navigate divorce finances in the dark. In this conversation, they cover the full financial arc of divorce — from initiation through discovery, negotiation, settlement, and into post-divorce stability. Karen and Catherine break down why your financial team needs to be in place at the start of your divorce, not after you've already settled. They walk through how to accurately document income and expenses the way courts actually interpret them, how to verify assets and debts with statements rather than spreadsheets, and what most people miss when it comes to liens, collateral, and tax implications. They also explore how preparing early doesn't just protect your financial future — it reduces fear, makes your attorney more effective, and positions you to negotiate from a place of clarity rather than chaos. If you've ever felt overwhelmed by the financial side of divorce, this episode is your playbook. Connect with Karen Chellew and Catherine Shanahan: Free Offer: https://mydivorcesolution.com/divorce-financial-preparation-checklist/ Website: https://mydivorcesolution.com/ Linkedin: https://www.linkedin.com/company/my-divorce-solution Instagram: https://www.instagram.com/mydivorcesolution/ YouTube: https://www.youtube.com/@wechatdivorcepodcast/videos Podcast: https://mydivorcesolution.com/we-chat-divorce-podcast/ Resources Mentioned in this Episode: Book a Free Rapid Relief Call: http://rapidreliefcall.com Free Divorce Support Network Gift: https://divorcesupportnetwork.com/jbdpod Curated Podcast Playlists: https://www.jbddivorcesupport.com/

Welcome to Dentist Money Two Cents, a look at the latest financial and economic news from the past week.
 On this episode of Dentist Money's Two Cents, Matt, Will, and Jake discuss whether crypto has officially "lost the plot," why investors should be cautious about following billionaire advice, and what today's AI boom could mean for speculative investing. They also talk about retirement planning, where they break down how Social Security taxes work, why many dentists will likely pay taxes on their benefits, and how strategies like Roth conversions can help create more tax-efficient retirement income over time. Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.

In this episode, we react to the New York Knicks advancing to the NBA Finals and discuss what this run means for the franchise and its championship aspirations. We also take time to remember Kyle Busch and reflect on his impact on the sports world following the news of his passing.The conversation then shifts to the future of Giannis Antetokounmpo as we debate the best potential landing spots if he were to leave the Milwaukee Bucks.We also discuss Aaron Rodgers announcing that he plans to retire at the end of the upcoming NFL season and what his legacy will look like once his career officially comes to a close.We close the show with Game Ball selections and final thoughts.

Most of the financial decisions keeping you up at night are two-way doors. You can change them. You can undo them. The real one-way doors -- the decisions that actually lock you in -- are rarer than you think, and the problem is we're spending the same emotional energy on both. Joe, OG, Paula Pant, and Jesse Cramer take Simone Stolzoff's uncertainty framework from Wednesday and run it straight through real financial life: career changes, portfolio risk, entrepreneurial pivots, and the moment you finally flip the kill switch on something that isn't working.What You'll Walk Away WithThe one-way door versus two-way door framework applied to real decisions -- and why automating your savings contributions is the most underrated version of this ideaJesse's anchor: why life insurance changed everything about how he sleeps at night now that there are passengers in the car with himPaula's anchor: why avoiding debt entirely is the entrepreneurial version of keeping your burn rate survivable when revenue gets unpredictableOG's anchor: long-term belief in human ingenuity as a financial strategy -- and why short-term geopolitical noise is actually an opportunity for investors who aren't panickingWhy selling assets in a taxable brokerage account to cover business payroll is a two-way door -- until enough time passes and it quietly becomes a one-way doorThe kill criteria conversation: how Jesse built an 18-to-24-month runway into his career change before he ever made the leapWhy the Everest turnaround time is the most important financial planning concept most people have never applied to their own goalsOG's client story: when the right risk tolerance isn't the mathematically correct one -- it's the one that lets you sleep at night without calling your advisorPaula on the pivot strategy: keep iterating the broad direction until you find the product-market fit, because the version that works might look nothing like what you started withWhy a career shift becomes more of a one-way door the longer you wait -- and what Rocky Mark's electrical engineer to content creator question reveals about timingWhy This Matters NowThe worst financial decisions happen when people treat reversible choices as permanent ones and freeze -- or treat permanent choices as reversible and act too fast. This episode gives you a framework for telling the difference before the emotion hits, which is the only time it actually helps.From the BasementJoe, OG, Paula Pant, and Jesse Cramer take Simone Stolzoff's Wednesday framework and apply it to the messy real world of careers, portfolios, entrepreneurship, and retirement identity. The trivia competition takes a dramatic turn when OG margin calls Jesse on a Mount Everest question -- and the full margin call rule set gets read aloud for the first time in recorded history after Dottie in Wichita makes a call nobody wanted to receive. Jesse wins the point. OG loses one. The coalition closes the gap.Resources MentionedAfford Anything podcast -- Paula Pant; Joe joins most Tuesdays for listener Q&A; youtube.com/affordanythingPersonal Finance for Long-Term Investors -- Jesse Cramer's podcast; current series: 14 biggest risks in retirement, Charlie Munger-inspired inversion frameworkStacking Benjamins Wednesday episode -- "Why Uncertainty Is an Opportunity" with Simone Stolzoff; stackingbenjamins.comStacking Benjamins Vault -- stackingbenjamins.com/vaultStacking Benjamins Newsletter (The 201) -- stackingbenjamins.com/201OG financial planning calendar -- stackingbenjamins.com/ogStacking Benjamins Community -- stackingbenjamins.com/basementSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Peter G. Miles believes in helping all people no matter where they are in their financial journey. That is what led me to start St. Croix Wealth Management. It's about the relationship with a person, not the size of their portfolio. Top 3 Value Bombs 1. Success requires the courage to step outside your comfort zone and the support of a strong team behind you. 2. The biggest financial advisor misconception is that you need to be wealthy or close to retirement to benefit from guidance. 3. Proper planning especially for wealth transfer, retirement, and estate decisions can dramatically reduce taxes and prevent family conflict. Check out Peter's website to learn more or get in touch - St. Croix Wealth Management Sponsors HighLevel - The ultimate all-in-one platform for entrepreneurs, marketers, coaches, and agencies. Learn more at HighLevelFire.com. ThriveTime Show - Is your business stuck? Schedule a free consultation with America's number 1 business coach, Clay Clark, at ThrivetimeShow.com/eofire.

Today, Juliet is joined by comedian and friend of the pod Jared Freid to discuss the upcoming rebrand of the podcast, take a trip down Bachelor Nation memory lane, and debate the behaviors of the ‘Summer House' cast members at the reunion. He talks more about his upcoming book 'Walking Red Flag,' but not before sharing his updated thoughts on PopUp Bagels after trying it in Florida. (00:00) Intro (17:21) Most Iconic ‘Bachelor' Lead (26:43) ‘Summer House' Reunion Thoughts (46:50) PopUp Bagel Updated Review This episode is brought to you by Colgate Optic White. The Science of WOW. Host: Juliet Litman Guest: Jared Freid Producer: Olivia Crerie Theme Song: Devon Renaldo Learn more about your ad choices. Visit podcastchoices.com/adchoices