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In this episode: NXT stars that performed at John Cena's retirement show are expected to be called up soon, What is being said about WWE potentially signing Danhausen in 2026, and DDP gives his thoughts on LA Knight's future within WWEKerr County Flood Relief Fund: https://cftexashillcountry.fcsuite.com/erp/donate/create/fund?funit_id=4201Support Katie: https://gofund.me/cb2cdcb5Support Eastern Kentucky: https://secure.kentucky.gov/formservices/Finance/emergencyrelief/American Red Cross: https://www.redcross.org/donate/cm/wlky32-pub.html/The Dream Center: https://www.ekdc.info/donateKCTCS Disaster Relief: https://kctcs.edu/disasterrelief.aspxUniversity of Kentucky Flood Relief: https://philanthropy.uky.edu/kentuckyfloodreliefIf you like what you hear on the podcast, consider helping me out a little bit financially at: https://www.patreon.com/jamminjon
Financially speaking, should Old Bear in Northern Kentucky marry his Honey? How should Sebastian in Virginia navigate the financial aspects of his separation? Plus, Famous Missourians want to know, how much is enough for retirement and when can you take your foot off the gas? Can Paul with the Big Wallet Bridge the long gap between retiring and claiming Social Security benefits? And can Aspiring Adventurer in Oregon retire single at age 58? (While Joe and Big Al enjoy a little seasonal downtime and Andi recovers from surgery, enjoy this encore presentation of these questions from an early 2025 episode.) Free Financial Resources in This Episode: https://bit.ly/ymyw-561 (full show notes & episode transcript) DOWNLOAD The Going Solo Guide for free WATCH: Going Solo: Navigating Your Financial Future Single on YMYW TV Financial Blueprint (self-guided) Financial Assessment (Meet with an experienced professional) REQUEST your Retirement Spitball Analysis DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter Connect With Us: YouTube: Subscribe and join the conversation in the comments Podcast apps: subscribe or follow YMYW in your favorite Apple Podcasts: leave your honest reviews and ratings Chapters: 00:00 - Intro: This Week on the YMYW Podcast 01:01 - Financially Speaking, Should Old Bear Marry His Honey? (Northern Kentucky, near Cincinnati, OH) 08:41 - Navigating Finances When Separating from Your Spouse (Sebastian, VA) 15:13 - Watch Going Solo: Navigating Your Financial Future Single on YMYW TV, Download the Going Solo Guide for free 15:42 - How Much is Enough for Retirement? When Can We Take Our Foot Off the Gas? (JC Penney & Laura Ingalls Wilder, Kansas City, MO) 28:31 - How to Bridge the Long Gap Between Retirement and Social Security (Paul with the Big Wallet) 38:50 - Calculate your free Financial Blueprint 39:20 - Can I Retire at Age 58? Where to Save? Should I Do a Roth Conversion Ladder in Retirement? (Aspiring Adventurer, OR) 51:00 - YMYW Podcast Outro
The Fat One returns with a recap of his day in Fat Acres which included giftettes from neighbors, some corrections from Ruination: The Early Years, an unexpected coupon and general nattering. Happy National Pfeffernuesse Day.
For the Good of the Public brings you news and weekly conversations at the intersection of faith and civic life. Monday through Thursday, The Morning Five starts your day off with scripture and prayer, as we also catch up on the news together. Throughout the year, we air limited series on Fridays to dive deeper into conversations with civic leaders, thinkers, and public servants reimagining public life for the good of the public. Today's host was Michael Wear, Founder, President and CEO of the Center for Christianity and Public Life. Thanks for listening to The Morning Five! Please subscribe to and rate The Morning Five on your favorite podcast platform. Learn more about the work of the Center for Christianity and Public Life at www.ccpubliclife.org. Today's scripture: Luke 2:1-12 (NIV) News sources: https://www.wsj.com/politics/policy/more-than-50-u-s-lawmakers-are-retiring-next-year-why-99cab977?mod=politics_lead_pos2 https://www.npr.org/2025/09/15/nx-s1-5534254/house-senate-retirement-tracker-2026 https://www.axios.com/2025/02/03/threats-members-congress-capitol-police-2024 From this month's sponsors: -Please donate today at MercyShips.org/podcast -Visit OmahaSteaks.com for 50% off sitewide during their Sizzle All the Way Sale. And for an extra $35 off, use promo code FUN at checkout. Join the conversation and follow us at: Instagram: @michaelwear, @ccpubliclife Twitter: @MichaelRWear, @ccpubliclife and check out @tsfnetwork Music by: Amber Glow #politics #faith #prayer #scripture #Congress Learn more about your ad choices. Visit megaphone.fm/adchoices
Big changes are coming to your TSP catch-up contributions in 2026 and if you miss them, you could accidentally throw off your entire tax strategy.
Click this link to fill out our Retirement Readiness QuestionnaireOr, visit my websiteConnect with me here:YouTubeJoin My Company NewsletterThis is for general education purposes only and should not be considered as tax, legal or investment advice.
2025 has been a year of significant highs and lows, a bittersweet time marked by personal loss but also tremendous growth in our community of listeners and clients. As we wrap up the year, I wanted to take a moment to reflect and, more importantly, to give back by answering the most pressing questions on your minds. In this episode, I'm tackling the top 10 most asked financial questions I received in 2025 from both clients and listeners. From the future solvency of Social Security and the reality of rising inflation to the specifics of Bitcoin and long-term care, we are covering the topics that directly impact your retirement confidence. I also share a special thank you gift to you my listeners: a significant discount on my Retirement Readiness Review course to help you kickstart your 2026 planning. Whether you are wondering if you should pay off your mortgage or how to find a truly objective financial advisor, this episode provides the clear, direct answers you need to navigate your financial future. You will want to hear this episode if you are interested in... [00:00] Will Social Security be there for you when I retire? [06:04] How to handle rising inflation in retirement. [12:34] Should you be investing in Bitcoin in 2026? [17:37] The pros and cons of paying off your mortgage early. [21:51] Getting your children started with investing and saving. [26:01] Protecting your investments during a market downturn. Social Security Solvency: Should You Worry? One of the biggest fears retirees face is the potential expiration of Social Security. The most recent trustees' report projects that benefits can be paid at 100% until roughly 2033. If no changes are made by then, benefits could be reduced by approximately 20%. However, history suggests that Congress will act to prevent such a drastic cut, especially given how heavily the average American relies on this income. We also saw recent changes with the "Social Security Fairness Act" passed just before President Biden left office, which restored benefits for many teachers and state employees previously affected by reductions. While this adds strain to the system, it highlights the political will to support retirees. Inflation and Investment Strategy Inflation has been a persistent concern since the post-COVID stimulus era. For retirees on a fixed income, combating this is difficult because pensions and Social Security cost-of-living adjustments are automatic and out of your control. The single best hedge against inflation is your investment portfolio. Historically, stocks are the only asset class that has significantly outpaced inflation over time. While this comes with volatility, maintaining an exposure to equities (often 50–70% for many retirees) is often necessary to ensure your purchasing power lasts as long as you do. The "Retirement Number" Formula Forget the arbitrary goal of saving "$1 million" or "$2 million." Retirement planning is about paycheck replacement. To find your number: Calculate Expenses: Determine your monthly spending needs in retirement. Subtract Fixed Income: Deduct your expected Social Security and pension income from that expense number. Determine the Gap: The remaining amount must come from your portfolio (401k, IRA, brokerage). Apply the Withdrawal Rate: Using a conservative 4% withdrawal rate, determine if your savings can cover that gap. Don't forget to account for taxes! You can use online calculators or work with a CPA to estimate your after-tax income. Specific Asset Questions: Bitcoin and Mortgages Bitcoin: Despite its popularity, Bitcoin remains a highly speculative asset. In 2025, while the stock market saw gains of 15-18%, Bitcoin was down significantly, highlighting its volatility. For most retirees, the risks outweigh the benefits when a standard diversified portfolio can already meet your income needs. Mortgage Payoff: Emotional peace of mind often conflicts with financial math. If you have a low interest rate (e.g., 3%), rushing to pay off that "cheap money" rarely makes sense when you could earn 5% or more on your investments. Furthermore, taking a large lump sum from an IRA to pay off a house could trigger a massive tax bill and even IRMAA surcharges on your Medicare premiums. Tax Planning: Roth Conversions and New Legislation With the passing of the "One Big Beautiful Tax Act" in 2025, we have new opportunities for tax planning. Roth Conversions: If you expect your future tax rate to be higher than your current rate, converting traditional IRA funds to Roth can save you money long-term. New Deductions: The new legislation allows for a higher SALT (State and Local Tax) deduction cap of $40,000 until 2030, which is a huge benefit for those in high-tax states like Connecticut. This might create a unique window over the next few years to perform conversions more tax-efficiently. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE Fidelity Investments Connect With Morrissey Wealth Management www.MorrisseyWealthManagement.com/contact Subscribe to Retire With Ryan
In this episode, I sit down with Dr. Glynda McConville, an orthodontist from North Carolina who's built not just a well-balanced clinical life, but also a purposeful second business. We talk about her journey from New York to North Carolina, building a lifestyle-focused ortho practice across two locations, and how her love for CrossFit turned into a thriving side hustle that fuels her energy and sense of purpose.This is a down-to-earth, real-world conversation about how to design a practice around the life you want—and not the other way around. Glynda shares how she manages 70+ patients a day across three days a week, runs a team that travels between offices, and coaches at her own gym. We even get into the lessons she's learning about community, growth, and maybe… opening a pickleball facility next.Quotes:“I didn't set out to be a big business—I just saw an opportunity and said, ‘If I don't do this, someone else will.'”— Dr. Glynda McConville“CrossFit's been my reset. I needed something different that kept me grounded—and now it's become part of my future.”— Dr. Glynda McConvilleKey TakeawaysIntro (00:00)From Glinda the Good Witch to ortho school: Glynda's early journey (00:31)Culture shock: from Westchester to Chapel Hill to NYC (02:00)Building a 2-location, lifestyle-friendly ortho practice (06:58)Managing a 3-day workweek and 70 patients/day (07:22)Working Fridays to stand out—and what she'd do differently (08:34)“Who Moved My Cheese?” and the psychology of patient routines (10:00)Why she opened a satellite near Fort Bragg (11:38)Sharing staff, equipment, and lessons from managing two offices (14:08)Her entrepreneurial leap: opening a CrossFit gym (15:38)Comparing ortho and gym startups: which is harder? (19:54)Finding and keeping the right team in both businesses (22:09)Member acquisition lessons from social media and referrals (24:04)What's next? Retirement planning, indoor pickleball, and life design (25:17)Additional ResourcesIf you've ever dreamed of launching a second business, scaling your practice without burning out, or building a schedule that works for you—this episode is your blueprint. Glynda proves you don't need to do it all at once… you just need to start smart, stay lean, and know your “why.”
Send us a textMerry Christmas and Happy Holidays for 2025If 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 money you worked decades to earn ends up sitting still when it should be fueling your future? In this episode, Frank and Frankie Guida unpack why so many retirees leave rollover funds idle, how fear and complexity lead to costly inaction, and what thoughtful allocation can do for long‑term stability. They explore real scenarios, risk‑tolerance planning, and strategies that help align investments with personal comfort levels. A clear look at making your retirement money more purposeful—without unnecessary complication. Schedule a complimentary appointment: A Better Way Financial CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops. Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.” Follow us on social media: Facebook | LinkedIn | YouTube See omnystudio.com/listener for privacy information.
What if the real challenge of retirement isn’t saving your money—but knowing how to use it? In this episode, Brandon Bowen unpacks why relying solely on investment income can be more complex than it sounds and explores what retirees should consider when balancing growth, risk, and steady income needs. Through real client examples and practical insights, he explains how shifting from a growth‑first mindset to an income‑focused plan can offer clarity when markets fluctuate. A grounded look at building a structure that supports your lifestyle throughout retirement. Like what you hear? Get a second opinion today: bowenwealth.com Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.
What happens to your legacy when your wishes aren’t clearly planned—or when life throws unexpected changes your way? This episode of Financial Straight Talk with Jim Fox dives into the complexities of wills, trusts, and beneficiary decisions, revealing why legacy planning is never “one and done.” Learn how family dynamics, changing relationships, and overlooked details can derail your intentions. Discover why a true financial plan goes beyond products and investments, and why ongoing communication is key to ensuring your money does what you want—now and for generations to come. Ready to connect with Jim today? Get some Financial Straight Talk! Follow us on social media: YouTube | FacebookSee omnystudio.com/listener for privacy information.
Streaming was supposed to save us money. Instead, it quietly rebuilt cable… with better branding and worse self-control. Don and Tom trace the journey from rabbit-ear TV to today's subscription sprawl, where “it's only $14 a month” quietly becomes hundreds per year. They break down why streaming costs have exploded faster than inflation, how duplication and inertia drain wallets, and what actually works to fix it (bundling, pruning, and strategic binge-and-cancel). From there, the show pivots to listener questions covering smart investing for an 18-year-old, retirement withdrawal sequencing, trust and estate planning pitfalls, and why complexity is often the real enemy of good financial decisions. 0:04 Life before streaming: rabbit ears, three channels, and forced family labor 0:48 Rewatching Bewitched and realizing old TV was… not great 2:27 Cable's rise, early streaming optimism, and Netflix's cheap beginnings 3:30 Subscription creep: listing the modern streaming pileup 4:16 Streaming prices vs inflation — why this hurts more than groceries 6:43 Average household streaming costs and the real percentage increase 8:21 Duplicate subscriptions and why households overpay without realizing it 9:37 Live TV bundles, YouTube TV vs Hulu, and paying cable prices again 12:30 Binge-and-cancel as a legitimate cost-control strategy 14:02 Value judgments: paying for services you don't actually watch 15:20 Annual audits, forgotten subscriptions, and silent monthly leaks 18:17 Investing $9,000 for an 18-year-old with decades ahead 19:20 Why a Roth IRA plus one global ETF can be enough 20:53 Retirement withdrawals: taxable vs IRA confusion clarified 22:45 When wealth gets big enough that DIY stops making sense 24:00 Trusts, trustees, and why professional oversight is expensive 27:15 Estate planning as a team sport (advisor + attorney) 29:33 Why every TV character is suddenly a podcaster 30:49 Gratitude, rankings, and why the audience matters Learn more about your ad choices. Visit megaphone.fm/adchoices
In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss a comprehensive year-end tax checklist designed specifically for those in or nearing retirement. As the calendar winds down, it's easy to overlook critical financial decisions that can significantly impact your retirement income tax and long-term retirement planning. This conversation walks through the most important year-end financial checklist items to help you avoid costly mistakes, missed deadlines, and unnecessary taxes as you plan for retirement.Learn how a proactive retirement checklist can help you move from simply reacting at tax time to intentionally planning retirement with confidence. From required minimum distributions and the RMD deadline to charitable giving strategies and health savings account strategy, this episode reinforces why year-end planning is essential for retiring comfortably and helping to secure your retirement.Listen in to learn about the practical steps you should take before December 31st to align your retirement planning with tax efficiency. Radon and Murs break down complex topics like capital gains tax planning, tax loss harvesting, and donor advised fund strategies into clear, actionable guidance. Whether you're already retired or still planning retirement, this episode helps you connect year-end decisions to long-term retirement success.In this episode, find out:How to avoid penalties by meeting the RMD deadline and properly handling required minimum distributionsWhy tax loss harvesting and capital gains tax planning can play a major role in retirement income tax managementHow charitable giving strategies, like a qualified charitable distribution and a donor advised fund can create powerful tax benefitsWhy a health savings account strategy is one of the most overlooked tools in retirement planningHow a year-end financial checklist supports a smarter plan for retirement and long-term peace of mindTweetable Quotes:“If you wait until the end of the year to think about taxes, you're already behind—retirement planning works best when it's proactive.” — Radon Stancil“A simple year-end tax checklist can be the difference between unnecessary penalties and retiring comfortably with confidence.” — Murs TariqResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!"To access the course, simply visit POMWealth.net/podcast.
In this week's episode of the Coin Stories News Block powered exclusively by Ledn, we cover these major headlines related to Bitcoin, macroeconomics, and global finance: Cooler CPI print lifts January rate cut odds Fed updates bank rules for digital asset custody Senator Lummis won't seek re-election Strategy adds nearly $1 billion more in Bitcoin ---- The News Block is powered exclusively by Ledn – the global leader in Bitcoin-backed loans, issuing over $9 billion in loans since 2018, and they were the first to offer proof of reserves. With Ledn, you get custody loans, no credit checks, no monthly payments, and more. My followers get .25% off their first loan. Learn more at www.ledn.io/natalie ---- Order my new intro to Bitcoin book "Bitcoin is For Everyone": https://amzn.to/3WzFzfU ---- Read every story in the News Block with visuals and charts! Join our mailing list and subscribe to our free Bitcoin newsletter: https://thenewsblock.substack.com ---- References mentioned in the episode: CPI Comes In Lower Than Expectations Market Pricing For Future Rate Cuts Fed President Hammack Wary of Rate Cuts SEC Clarifies Broker-Dealer Rule SEC: Broker-Dealers Need to Maintain Keys Scott Bessent's Comments at Bankers Association Fed Withdraws Restrictive Crypto Guidance Senator Lummis Will Not Run for Re-election Senator Lummis Posts Decision Not to Run David Sacks Tweet on CLARITY Act Progress Strategy Acquires Another 10,000+ Bitcoin Crypto Fear & Greed at "Extreme Fear" List of Saylor's Positive Developments in 2025 Saylor Hints at Incoming "Green Dot" ---- Upcoming Events: Strategy World 2026 in Las Vegas on February 23-26th - Use code HODL for discounted tickets: https://www.strategysoftware.com/world26 Bitcoin 2026 will be here before you know it. Get 10% off Early Bird passes using the code HODL: https://tickets.b.tc/event/bitcoin-2026?promoCodeTask=apply&promoCodeInput= ---- This podcast is for educational purposes and should not be construed as official investment advice. ---- VALUE FOR VALUE — SUPPORT NATALIE'S SHOWS Strike ID https://strike.me/coinstoriesnat/ Cash App $CoinStories #money #Bitcoin #investing
New research from David Blanchett, head of retirement research at PGIM, challenges one of the biggest assumptions in retirement planning: that happiness in retirement depends on maintaining a constant—or even increasing—level of spending. ⬇️ Upon entering retirement, households experience a median consumption decline of about 20%. This drop is often viewed as a red flag in traditional financial planning models. However, Blanchett argues that this decline is not necessarily problematic, especially when you look at how financial well-being changes over time. ☎️ Then on our listener question, we hear from a 34-year-old investor who's been all-in on stocks since taking Dave Ramsey's advice early in their career. Now, they're wondering how and when to start easing into a more balanced portfolio with bonds. We'll talk strategy, psychology, and sprinkle in some data on market highs that might surprise you. Resource: Article by John Manganaro from ThinkAdvisor: Spending Drops in Retirement, but Satisfaction Doesn't: Blanchett Connect with Benjamin Brandt Get the Retire-Ready Toolkit: http://retirementstartstodayradio.com Subscribe to the newsletter: https://retirementstartstodayradio.com/newsletter Work with Benjamin: https://retirementstartstoday.com/start Follow Retirement Starts Today in:Apple Podcasts, Spotify, Overcast, Pocket Casts, Amazon Music, or iHeart Get the book!Retirement Starts Today: Your Non-financial Guide to an Even Better Retirement
Shannon Ryan is a Certified Financial Planner (CFP®) with over 30 years of experience guiding individuals and families through the emotional side of money. Known for her relatable insights and warm, clear style. Shannon combines deep financial knowledge with a heart-centered approach to help people move from money stress to empowerment. She's the author of the upcoming book Your Money Has Feelings and a seasoned media guest, having appeared on CNBC, Good Morning America, and TEDx. Shannon's work focuses on uncovering the beliefs and wounds that silently shape our financial behavior—and showing people how to rewrite them. Whether she's advising clients or speaking to audiences, Shannon helps others understand why they do what they do with money, and how to build lasting confidence rooted in clarity, not shame. Shannon Ryan Vroom Vroom Veer Summary Emotional Aspects of Financial Decisions Shannon discussed her book "Your Money Has Feelings," which explores how personal experiences and emotional responses influence financial decisions. She emphasized that money issues often stem from unconscious emotional responses rather than a lack of funds, and she highlighted the importance of understanding these underlying factors to better manage finances. Jeffery agreed with Shannon's perspective, noting that money-related problems are complex and not solely about having enough money. Money's Emotional Impact on Lives Jeffery and Shannon discussed their personal experiences with money and its impact on their lives. Shannon shared her childhood experiences growing up in a divorced family where money was used as a tool for power, which shaped her views on financial independence and earning potential. Jeffery introduced the concept of the Financial Independence Retire Early (FIRE) movement and discussed his own journey towards financial independence. They both agreed that money is an emotional topic and that financial literacy goes beyond just knowledge, involving personal experiences and emotional wounds. Financial Decisions and Learning Insights Jeffery and Shannon discussed the changing landscape of information access and its impact on research and learning. Shannon shared a personal story about helping clients align their financial decisions with their personal goals, emphasizing the importance of questioning cultural expectations and societal pressures. Jeffery recounted his own experiences with homeownership and financial decisions, highlighting the lessons learned from missed opportunities and financial challenges. Both agreed on the value of learning from mistakes and moving forward with newfound knowledge. Vacation Home Investment Myths Shannon and Jeffery discussed the misconceptions around real estate investments, particularly vacation homes. Shannon emphasized that while owning a vacation home may not be a sound financial investment, it can provide personal fulfillment and create lasting memories. They also touched on the changing dynamics of rental markets and the importance of aligning personal values with lifestyle choices when deciding where to live. Client Expectations and Ethical Investing Shannon shared a personal story about a client who was dissatisfied with his 37% portfolio return in 1998, despite it being significantly higher than expected, because he felt his neighbor who invested entirely in tech stocks performed better. This led to a discussion about how money is a primal and emotionally charged topic due to its connection to basic needs and societal judgment, and how financial advisors must balance client expectations with ethical investing practices. Financial Risks and Professional Advice Shannon shared a personal story about a client who lost 80% of their retirement investments after taking unnecessary risks, leading to a difficult parting of ways. She emphasized how fear and greed can make people vulnerable to poor financial decisions and fraud, while also discussing the importance of professional financial advice. Jeffery shared his own experience of receiving early financial guidance from an uncle and learning about The Motley Fool's resources, which helped shape his investment approach. Retirement's Emotional and Financial Transition Shannon and Jeffery discussed the transition from working to retirement, emphasizing that while managing finances is relatively straightforward, the emotional aspects of retirement are more challenging. Shannon highlighted the importance of understanding one's financial flow and overcoming emotional barriers to engage with money management tools. They agreed that while resources for retirement planning are freely available, many people avoid addressing their finances due to emotional resistance. Empowering Financial Planning Conversations Shannon and Jeffery discussed financial planning, focusing on the importance of understanding one's spending habits and addressing the emotional challenges associated with financial discussions. Shannon emphasized the need to move away from self-judgment and shame when talking about finances, suggesting a more empowering approach to conversations with family and friends. Jeffery expressed interest in learning how to facilitate such discussions and shared a personal belief in taking responsibility for one's life, regardless of the circumstances. Mindset and Money Discussion Shannon and Jeffery discussed the power of mindset in relation to money, with Shannon emphasizing that positive thinking can lead to better financial opportunities. They also talked about Shannon's upcoming book "Your Money Has Feelings" and her website. Jeffery mentioned that the podcast episode would be released the following Monday and offered Shannon a link to the Zoom recording for her social media use. Connections Website
One of golf's former rising stars shockingly calls it a career at 30. Plus, the Kuchars dominate the PNC Father-Son, Lee Trevino's all-time interview and Rory McIlroy changes course on YouTube Golf. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
Cotter Financial Group, LLC. is a community-based concierge-level retirement planning firm helping pre-retirees and retirees in the most critical phase of retirement known as the Retirement Red Zone. 10 years before and after retirement. They are a lifestyle-based planning firm. They do incorporate the numbers aspect while helping families and individuals plan for maximum enjoyment in retirement, while keeping in mind your values, relationships, and, more importantly, how people wish to spend their precious time. So whether they are in retirement, on the verge of or just starting to prepare, they will help get you ready for what matters most and take action with more confidence. Focus areas are:Retirement Income Planning – safe, predictable, and guaranteedLegacy Planning – maximize to whom and what is left to heirsWealth Transfer – tax-efficient transfer strategiesEstate Planning – Wills, Trusts, and Asset ProtectionSocial Security Optimization – claiming strategy guidanceWealth Management – safe and tax-efficient strategies for inflation riskLearn More: www.cotterfinancialgroup.comCotter Financial Group, LLC and Kinetic Investment Management, Inc. are two separate entities. Insurance products and services are offered and sold through individually licensed and appointed agents in all appropriate jurisdictions under Cotter Financial Group, LLC. Investment Advisory Services are offered through Kinetic Investment Management, Inc., a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-patrick-cotter-founder-of-cotter-financial-group-discussing-emotional-well-being-in-retirement
In this episode of the Smart Wealth & Retirement Podcast, financial advisors and retirement planners Jim Martin & Casey Bibb of Martin Wealth Solutions break down one of the most confusing — yet essential — components of retirement planning: bonds. Jim and Casey explain what bonds are, how they generate income, and why they behave differently from stocks. They dig into interest rates, bond ladders, risk vs. reward, and why bonds can either stabilize a retirement portfolio or hold it back depending on how they're used. Whether you're already retired or planning ahead, this episode clarifies the role bonds should play in your long-term income plan — especially in today's evolving interest-rate environment. http://retirewithmartin.com/ ← Learn about working with us www.planwellretirehappy.com Episode Breakdown 00:00 – Introduction: Why bonds matter in retirement 01:36 – What exactly is a bond? 02:58 – How bonds generate income 04:26 – Why bonds behave differently from stocks 05:58 – Interest rates and how they affect bond values 07:46 – The role bonds play in stabilizing a retirement portfolio 09:30 – When bonds can actually hurt your retirement plan 11:12 – Understanding bond duration and risk 12:58 – The pros and cons of bond ladders 14:40 – How to know if you have the right amount of bonds 16:12 – Bonds vs. CDs vs. annuities — what's the difference? 17:48 – Practical tips for building a bond strategy Disclaimer Opinions expressed herein are solely those of Martin Wealth Solutions, unless otherwise specifically cited. Material presented is believed to be from reliable sources, but no representations are made by our firm as to another parties' informational accuracy or completeness. Content provided herein is for informational purposes only and should not be used or construed as investment advice or a recommendation regarding the purchase or sale of any security. There is no guarantee that any statements, opinions or forecasts provided herein will prove to be correct. All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation. Past performance may not be indicative of future results. Indices are not available for direct investment. Any investor who attempts to mimic the performance of an index would incur fees and expenses which would reduce returns. Securities investing involves risk, including the potential for loss of principal. There is no assurance that any investment plan or strategy will be successful.
Cotter Financial Group, LLC. is a community-based concierge-level retirement planning firm helping pre-retirees and retirees in the most critical phase of retirement known as the Retirement Red Zone. 10 years before and after retirement. They are a lifestyle-based planning firm. They do incorporate the numbers aspect while helping families and individuals plan for maximum enjoyment in retirement, while keeping in mind your values, relationships, and, more importantly, how people wish to spend their precious time. So whether they are in retirement, on the verge of or just starting to prepare, they will help get you ready for what matters most and take action with more confidence. Focus areas are:Retirement Income Planning – safe, predictable, and guaranteedLegacy Planning – maximize to whom and what is left to heirsWealth Transfer – tax-efficient transfer strategiesEstate Planning – Wills, Trusts, and Asset ProtectionSocial Security Optimization – claiming strategy guidanceWealth Management – safe and tax-efficient strategies for inflation riskLearn More: www.cotterfinancialgroup.comCotter Financial Group, LLC and Kinetic Investment Management, Inc. are two separate entities. Insurance products and services are offered and sold through individually licensed and appointed agents in all appropriate jurisdictions under Cotter Financial Group, LLC. Investment Advisory Services are offered through Kinetic Investment Management, Inc., a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-patrick-cotter-founder-of-cotter-financial-group-discussing-emotional-well-being-in-retirement
M365 Copilot Chat has been turned off in your org. You'll need to ask IT Admin why. You might be able to convince them to turn it on without much conflict. The IT Admin might need to run a permissions report to check permissions before they turn on Copilot Chat. They might also need to Copilot-Search their calendar for the meeting where they discussed the governance of why Copilot Chat was turned off. This week's mashed-up story was brought to you by our selection of the messages. What story would you tell with these... er... prompts? 0:00 Welcome 1:54 Retirement of featured links on SharePoint Start Page - MC1197131 5:22 Chat visibility in the Microsoft 365 Copilot App - MC1197289 11:31 Calendar Search in M365 Copilot Search - MC1197144 13:46 New permissions report available in SharePoint admin center - MC1197128 18:57 Express voice enrollment in Microsoft Teams - MC1197146 25:31 Microsoft Purview: Role management update - MC1199765
I sit down with former Oklahoma state senator and current Oklahoma director of the Freedom Caucus, Nathan Dahm. We discuss the rise of Islam in Oklahoma and the controversy surrounding the Broken Arrow planning commission voting to recommend the construction of a large mosque to the city council - in spite of hundreds of local residents protesting it. As usual, Dahm anchors his argument in the the constitution to present a clear-minded explanation of why Islam is not compatible with Western society. And check out my amazing sponsors! Motus Health - https://motushealth.com They are currently helping people who may be suffering with: Neuropathy Frozen shoulder Degenerated & Herniated Discs TMJ & jaw pain Weight Loss Autoimmune Disorders Gut Health Fibromyalgia Headaches & Migraines Trigeminal Neuralgia Knee Pain And more!! https://motushealth.com Michael Mcguire with McGuire Capitol https://mcguirecap.com We pride ourselves on providing retirement income strategies to Bethany, OK and the surrounding communities. We take a look at your assets — including everything from your bank accounts, pension, and Social Security benefits, to your estate plans, wills, taxes, insurance policies and more Our end goal is to help create financial clarity and to promote multi-generational wealth. We offer: Insurance planning Beneficiary review Retirement planning Financial needs analysis Analysis of present and future expenses Income planning https://mcguirecap.com Stevens Trucking https://stevenstrucking.com Stevens Trucking maintains over 350 power units in our fleet so we ensure our customers and drivers always have top of the line equipment With over 1,600 trailers, we are able to offer a drop-and-hook solution to keep your freight moving quickly and secure. While also helping our drivers get extra miles so they can keep on pullin' more loads. https://stevenstrucking.com
Joe and Anthony dust off the old Shitbox and take listener voicemails about the final match of John Cena and where he goes after WWE. - Old entertainers get cancelled.- political stances about rural areas of the US- Cena voicemailsBecome a supporter of this podcast: https://www.spreaker.com/podcast/wrestling-soup--1425249/support.
Jeffrey Epstein's time at the Metropolitan Correctional Center (MCC) in Manhattan was marked by extraordinary irregularities that immediately set his detention apart from that of ordinary federal inmates. After his July 2019 arrest on federal sex trafficking charges, Epstein was placed in the Special Housing Unit, officially for his own protection, but the conditions of that confinement were riddled with contradictions. He was housed in a unit that was understaffed, plagued by malfunctioning cameras, and run by a Bureau of Prisons already under scrutiny for mismanagement. Despite being classified as a high-risk inmate due to the seriousness of the charges, his wealth, and the potential exposure of powerful associates, Epstein was repeatedly removed from standard suicide watch protocols. He was briefly placed on suicide watch after being found injured in his cell in late July, then taken off it under circumstances that were never convincingly explained, returning to a unit where basic safeguards were visibly failing.The failures at MCC culminated in Epstein's death on August 10, 2019, when he was found unresponsive in his cell, officially ruled a suicide by hanging. On the night of his death, guards assigned to check on him allegedly fell asleep and failed to perform required welfare checks, while security cameras outside his cell were either broken or produced unusable footage. His cellmate had been transferred out shortly before his death, leaving Epstein alone despite prior concerns about self-harm. The combination of staffing shortages, ignored protocols, missing or nonfunctional surveillance, and a pattern of administrative negligence created a perfect storm that has fueled widespread skepticism about the official narrative. Epstein's death at MCC did not close the case; instead, it intensified public distrust in the federal prison system and reinforced the perception that even in custody, Epstein remained surrounded by institutional failure and unanswered questions.The warden in charge of the Metropolitan Correctional Center (MCC) at the time of Jeffrey Epstein's death, Lamine N'Diaye, was reassigned and eventually quietly retired amid ongoing scrutiny and federal investigations into the circumstances surrounding the high-profile inmate's suicide. After Epstein was found dead in August 2019, Attorney General William Barr ordered the warden removed from MCC and reassigned to a Bureau of Prisons regional office while the Department of Justice and Inspector General probed the facility's lapses. Although there were efforts within the Bureau of Prisons to move him to other posts — including as acting warden at another federal facility — those moves became entangled with the unresolved investigations, and N'Diaye ultimately stepped away from his role quietly as the inquiries continued, with little public explanation or high-profile disciplinary action.
The Almanac Show talks John Cena's Retirement, Thea Hail NXT North title win, Austin Theory reveal, Dynamite from Manchester and so much more
#ThisMorning | The #Link Between #Emotions and #Money | Shane Enete, CFA, CFP, Biola University | #Tunein: broadcastretirementnetwork.com #Aging, #Finance, #Lifestyle, #Privacy, #Retirement, #wellness
Dave Spano and Brian Jacobsen break down distorted economic data and what it really means for the labor market as payroll trends shift in our Week in Review. Inflation may be taking a holiday, but consumer spending remains surprisingly resilient heading into the festive season. Plus, we look ahead to earnings season, where analysts expect double-digit growth for the S&P 500 and the ‘Magnificent 7' to keep leading the charge.” Also, segments on the first meeting with a wealth manager and creating a "living legacy".
The Tenpenny Files – Twila Brase exposes how REAL ID functions as a federal biometric control system tied to travel, banking, and health care. She explains the constitutional violations, TSA enforcement tactics, and growing state resistance, then reveals how seniors were bound to Medicare and how retirement freedom legislation can restore choice and protect medical and financial sovereignty...
Jim and Chris discuss listener emails on Social Security spousal eligibility and claiming coordination, a listener PSA on Social Security proof of marriage requirements, RMD planning while still working, money market earnings in brokerage accounts, and using QLACs for long-term care planning.(16:15) Georgette asks whether the repeal of WEP and GPO affects her eligibility for a spousal benefit if her ex-husband worked for the federal government and she did not pay into Social Security. (26:45) A listener asks how Social Security works when one spouse lacks enough work credits for their own benefit and only qualifies for a spousal benefit, including whether both spouses must claim at full retirement age to access that benefit.(42:00) The guys address a PSA on why Social Security may already have proof of marriage on file for one spouse due to a name change but still requires documentation from the other spouse when benefits are claimed.(49:30) Jim and Chris discuss whether maximizing pre-tax retirement contributions and rolling a SEP IRA into a 403(b) can reduce or eliminate RMDs under the still-working exception.(1:06:45) A listener questions the statement that Money Market earnings are minimal, pointing to current yields in a fund they hold.(1:12:00) The guys respond to feedback on whether a QLAC could be an effective way to address long-term care planning when self-funding alone does not feel sufficient. The post Social Security, RMDs, Money Market Earnings, QLACs: Q&A #2551 appeared first on The Retirement and IRA Show.
Hans and Robby are back again this week with a brand new episode! This week, they discuss easy health qualification for long term care. Don't forget to get your copy of "The Complete Cardinal Guide to Planning for and Living in Retirement" on Amazon or on CardinalGuide.com for free! You can contact Hans and Cardinal by emailing hans@cardinalguide.com or calling 919-535-8261. Learn more at CardinalGuide.com. Find us on YouTube: Cardinal Advisors.
With John Cena's retirement setting the tone, Book It! turns to AJ Styles. We fantasy book the ultimate AJ Styles retirement tour—dream matches, career callbacks, and the ideal final chapter for one of wrestling's all-time greats.
Pour yourself an extra cup of coffee and join Kyle R. Jones and Matthew P. Allgeyer for a holiday-inspired ride down Your Retirement Highway! This episode unwraps more than just the stress of last-minute gift shopping—you'll hear some surprising takes on giving, family traditions, and why the true value of the season has nothing to do with the size of your candy bar. Of course, there's plenty of good-natured banter about Christmas movies, shrinkflation, and the joys (and mysteries) of parenting in an inflationary world.But don't think it's all about nostalgia! The guys deliver hard-hitting, real-world advice on inflation's impact on your retirement—why prices won't ever quite go back, and what you can do to fight back. There's a must-hear segment on income sources, tax-smart moves, and the importance of planning for a longer life. Whether you're worried about the size of your pension, the future of your 401(k), or just want to feel a little more holiday cheer, this episode is for you. Tune in and get your heart—and your retirement plan—growing three sizes this season!Join Matthew Allgeyer and Kyle Jones as they dive into the crucial issues shaping your retirement. In this episode of Your Retirement Highway, our hosts discuss a key retirement topic, sharing expert advice, actionable strategies, and experiences that matter. From taxes and Social Security to long-term care and market volatility, they cover what you need to know to chart your retirement course with clarity and confidence.
Coach Pete and the crew guide listeners through the real-world decisions that make or break retirement, breaking down the 22-step total retirement process in plain English. They bust common retirement myths, explain how market risk can sneak up on your plan, and show why a one-size-fits-all strategy never works. This episode goes beyond the numbers, digging into purpose, confidence, and what it really takes to manage your money smartly as retirement gets closer!See omnystudio.com/listener for privacy information.
With directing credits for THE FEAR, WITCHCRAFT XI, HOLLYWOOD MORTUARY and many others, Ron Ford is a legend of the B-Movie Cinema world. In this segment we discuss having the time to direct in retirement, and advice to young filmmakers.These videos are part of an ongoing video series chronicling the hardcore punk music scene. They are an addendum to the film Orange County Hardcore Scenester. This is a documentary I made that chronicles the 1990s hardcore punk scene. You can watch ORANGE COUNTY HARDCORE SCENESTER here: https://vimeo.com/ondemand/ochs Or, pick up the Orange County Hardcore Scenester DVD here: https://revhq.com/products/evanjacobs-orangecountyhardcorescenester-dvd?_pos=2&_sid=683ac2ce9&_ss=rSubscribe to ANHEDENIA FILMS UNLIMITED and watch every Anhedenia Film as many times as you like for $2 a month: https://vimeo.com/ondemand/afunlimitedWatch THE FEAR here:https://www.amazon.com/s?k=The+Fear&i=movies-tv&tag=imdbtag_tt_ov_wbr_ovf__amazon-20&ref=imdbref_tt_ov_wbr_ovf__amazon#ronford #thefear #witchcraft #hollywoodmortuary#anhedeniafilmsondemand #anhedeniafilmsunlimited#anhedeniafilmstv
How do you stick to a budget in retirement without feeling restricted, anxious, or deprived, especially when the cost of living keeps rising? This week on Your Money Map, Jean Chatzky is joined by Tiffany Aliche, better known as The Budgetnista, to talk about what budgeting and financial security really look like in retirement today, and why the old rules don't always apply anymore. Why budgeting alone isn't always enough, and what does help How to think about spending in retirement without feeling deprived The case for lowering overhead before you stop working Paying off a mortgage vs. keeping a low-interest loan Hidden programs and benefits that activate later in life Tiffany's top three tips for anyone approaching retirement
K100 w/ Konnan & Disco is presented to you by FanDuel Sportsbook! Quickest deposits & withdrawals, plus betting available on all sports in the US & worldwide! Support K100 & check out the best in the game, FanDuel! Check out our Patreon site at Konnan.me and Patreon.com/Konnan for extra audio, exclusive video, listener roundtable discussion shows, watch-a-longs, call in shows with Konnan and DI, plus so much more! Get Interactive on Twitter @Konnan5150 @TheRealDisco @TheCCNetwork1 @K100Konnan @TheHughezy @HarryRuiz @HugoSavinovich @RoyLucier Youtube: https://www.youtube.com/@KeepinIt100OFFICIAL @K100Konnan on Facebook, Twitter, and Instagram! Rugiet's 3-in-1 formula gets you ready in just 15 mins on avg & effects can last up to 36 hrs. Stay confident, present, & in control in the bedroom! Connect at rugiet.com/k100 to see if Rugiet Ready's right for you. You can use code K100 to get 15% off! To get the best discount off your NordVPN plan - go to http://nordvpn.com/k100 ! get 4 extra months on the 2-year plan. There's no risk with Nord's 30-day money-back guarantee! Check out LegacySupps.com and use the code K100 for 10% off of their fat burner, pre workout, testosterone supplement, and sleep aid! Brought to you by friend of the show, Nick Aldis! Plus they now carry Women's supplements, brought to you by Mickie James! Get 15% off the exciting & innovative products at Manscaped.com by using our code K100! Smell good, stay groomed, & support Konnan, Disco, & Joe! That's a win for everyone! TheAeonMan.com brings you high quality Superfood Protein, world class New Zealand Deer Antler Velvet extract for natural testosterone, & supplements to eradicate joint pain & more for all of your health & needs! Use code WELCOME15 for 15% off! Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
Today's wrestling news, including...Cena On The Rock/Travis Scott!Misunderstood WWE Retirement Tour!Huge Praise For Gunther!Why John Cena Smiled?!ENJOY!Follow us on Twitter:@AdamWilbourn@AndyHMurray@WhatCultureWWE Hosted on Acast. See acast.com/privacy for more information.
00:00 – Opening Banter & Audio Troubles00:50 – Plastic Surgery in Wrestling02:42 – Saturday Night's Main Event Reactions03:36 – The Influence of Algorithms & Internet Culture05:29 – Comparing Ads – Podcasts vs. Corporations09:52 – John Cena's Retirement & Legacy14:30 – Wrestling Storytelling & Nostalgia26:44 – Foreign Invader Storylines & WWE's Global Image52:31 – Sports Illustrated Wrestling Awards1:05:00 – State of Women's Wrestling & Ambition1:23:44 – Closing Thoughts & Community UpdatesBecome a supporter of this podcast: https://www.spreaker.com/podcast/wrestling-soup--1425249/support.
Most owners work hard for money—few learn to make the tax code work hard for them. In this episode of Sharkpreneur, Seth Greene interviews Catrina M. Craft, a tax strategist and accountant who's advised business owners and previously learned elite tax strategy working with the wealthiest 2% of Americans. Creator of the CRAFT Money Map framework, Catrina specializes in turning reactive “tax season” chaos into proactive, year-round wealth strategy. She breaks down the KPIs that actually drive profitability, the entity and election decisions that matter, and timely plays like bonus depreciation, §179, and QBI that can free up cash to grow. Key Takeaways: → Proactive vs. reactive taxes: what changes when strategy starts before year-end. → The five KPIs that matter: cash flow, profitability, A/R & A/P, LTV, and CAC—plus how to dashboard them. → The C.R.A.F.T. Money Map: Cash flow, Retirement, Asset management/protection, Financial freedom, and Tax strategies. → Entity structure ≠ paperwork: why LLC + the right tax election (S/C/partnership/sole prop) can swing your tax outcome. → When to hire a strategist: startup consults to avoid missteps; quarterly at ~$50k profit; monthly at ~$100k+. Catrina M. Craft, CPA, CEO & Founder of Craft More Cash. "The tax code isn't fair — but that's your opportunity as a business owner.” This is the perspective Catrina Craft brings as the CPA and tax strategist behind some of the most profitable coaches, consultants, and creators in the industry. After climbing out of $100K in debt and losing 80% of her income overnight, she rebuilt her business by using the same advanced tax strategies and wealth-building tactics that the top 2% of the wealthiest rely on to protect and multiply their money. Now, she teaches her clients to do the same. Through her Craft Money MapTM system, she helps high-earning entrepreneurs cut taxes by 25% and boost profits by 20% — strategies most accountants won't even talk about. On the mic, Catrina pulls back the curtain on what the ultra-wealthy know: how proactive tax strategy lets you keep more, grow faster, and build real wealth. Listeners walk away with practical insights on entity structuring, overlooked deductions, and income planning that scales. Connect With Catrina: Website: https://www.catrinamcraft.com/ Instagram: https://www.instagram.com/catrinamcraft/ Facebook: https://www.facebook.com/catrinamcraft1/ Learn more about your ad choices. Visit megaphone.fm/adchoices
(December 19, 2025) They get wheeled on flights and miraculously walk off… praise ‘Jetway Jesus.’ A lesson in false limits: Are athletes retiring too soon? The show closes with ‘Ask Handel Anything.’See omnystudio.com/listener for privacy information.
It's time to hear from you! I respond to your reactions John Cena's retirement, Triple H backlash, Roman vs Cody 3 and much more! Email us at mailbag@wwepodcast.comGo AD-FREE at Patreon.com/WWEPodcastBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-wwe-podcast--2187791/support.
This week, the focus is on diversification—and why it's getting harder to achieve. Portfolio Strategist Natalie Gill explains how the “diversification mirage,” a key theme in BII's 2026 outlook, is now showing up in real time. A small set of megaforces is increasingly dictating equity performance, meaning traditional attempts to diversify—whether toward equal-weighted indices or new regions—can amount to larger active positions than many investors realize.Natalie also breaks down how rising developed-market bond yields challenge the long-held assumption that long-term bonds reliably balance portfolios. Fiscal strains, shifting central bank stances, and policy divergence between the U.S. and other economies further complicate the diversification picture. As bond volatility rises and a small number of equity drivers dominate returns, investors may need to reconsider how and where true diversification can be found.The episode also highlights the growing disconnect between the Federal Reserve's policy posture and the more hawkish tone across Australia, Canada, and Japan—where fiscal dynamics and reopening risks are influencing long-term rates. These divergences, paired with delayed U.S. labor data and inflation considerations, shape the macro backdrop as markets enter the new year.Key Insights· Diversification is increasingly difficult as a handful of megaforces drive global equity performance.· Traditional diversifiers—such as long-term government bonds—provide less balance amid rising yields.· Policy divergence between the U.S. and other major central banks is creating new cross-market risks.· Fiscal concerns are influencing yield curves, particularly in Japan and the UK.· Portfolios may require more deliberate, active decisions and alternative sources of return to achieve true diversification. diversification, megaforces, capital markets, macro trends, bond yields, portfolio balance, market outlookThis content is for informational purposes only and is not an offer or a solicitation. Reliance upon information in this material is at the sole discretion of the listener. Reference to any company or investment strategy mentioned is for illustrative purposes only and not investment advice. In the UK and non-European Economic Area countries, this is authorized and regulated by the Financial Conduct Authority. In the European Economic Area, this is authorized and regulated by the Netherlands Authority for the Financial Markets. For full disclosures, visit blackrock.com/corporate/compliance/bid-disclosures.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
The Fat One closes out the week with a recap of his day which included nattering about Survivor (no spoilers), Seniorcize, trips to the War*Mark and Sam's Club, a giftette, a voiceletter, a gas report and, of course, another prize from the Advent Calendar. Happy National Hard Candy Day.
Rebecca Grant argues against the planned retirement of the USS Nimitz in 2026, suggesting it should be kept in reserve given delays in new Ford-class carriers. Despite the ship's age, Grant asserts that retaining the carrier offers crucial strategic depth against threats like China's PLA Navy. CV 2,3,4 RANGER LEINGTON, SARATOGA, 1936