Podcasts about Retirement

Step into Episode 194 of On The Delo as David DeLorenzo sits down with Zach and Ruly Couch of The Restaurant Brokers—a father-son powerhouse who've dominated Arizona's restaurant market for over four decades. From Ruly's bold decision to go restaurant-exclusive in 1990 to Zach joining the family business and bringing fresh energy, this conversation reveals what it really takes to thrive in a hyper-specialized niche.Discover why saying "no" to everything else made them Arizona's most trusted restaurant brokerage, how they've navigated the hardest market conditions in restaurant history, and what separates them from every other commercial agent chasing the same deals. You'll hear stories from their first listing ever, the misconceptions sellers bring to the table, why lease rates are crushing independent operators, and how they use AI to work smarter—not harder. Plus, Zach drops insights on why younger restaurant owners are drinking less and pivoting to healthier alternatives, how they scout deals nobody else can find, and why keeping things small and specialized beats chasing growth at any cost. Whether you're looking to buy, sell, or just understand what's happening in Arizona's restaurant ecosystem, this episode is required listening.Chapter Guide (Timestamps):(0:00 - 1:36) Intro Vibes: Episode 194, Birthday Countdowns, and Meeting the Brokers(1:37 - 2:07) First Deal Ever: Endgame Arcade Bar in Mesa and a Decade of Growth(2:08 - 6:02) From Regular Brokerage to Restaurants Only: Ruly's Journey and the Moment Everything Changed(6:03 - 7:31) Why Zach Joined the Family Business: Lifestyle, People, and Learning from the Best(7:32 - 8:36) Social Media vs. Person-to-Person: The Mix That Moves Listings(8:37 - 13:05) Why Restaurateurs Sell: Conversions, Retirements, and the Bones That Matter(13:06 - 14:25) Arizona Exclusive: Why Specialization in One Market Beats National Reach(14:26 - 15:22) What Differentiates Them: Lease Rates, Location Trends, and Local Independent Operators(15:23 - 16:22) Building Relationships: Events, Mentorship, and Knowing Everyone(16:23 - 20:03) Zach's Band Life: From Creed Concerts to Metalcore, Playing 8-9 Shows a Year(20:04 - 22:35) Business Security in the AI Era: Why Restaurants Will Always Need Brokers(22:36 - 27:00) Labor Costs, Occupancy Rates, and Mandatory Drink Spiking Kits(27:01 - 26:42) The Younger Generation's Shift Away from Alcohol and Healthier Bar Alternatives(26:43 - 31:15) Keeping It Small: Why Growth at Any Cost Isn't the Goal(31:16 - 35:00) Rapid-Fire Questions: Concert Preferences, Favorite Hobbies, and the Limo Days(35:01 - 37:34) Real Advice for Buyers and Sellers: Polish the Apple and Run It Till You're Out(37:35 - 39:00) How to Connect with The Restaurant Brokers and the Mystery of Spelling "Restaurant"(39:01 - 41:14) Delo's Closing: Why Stories Matter and Built Different Community Launch

Retirement is supposed to be relaxing… so why does it sometimes feel louder than ever?In this solo episode, I reflect on a conversation with my friend Lynda Camire — and explore what happens when retirement doesn't deliver the peace we expected. Lynda retired with a plan. But within days, she found herself checking the clock, wandering into her old office, and feeling overwhelmed by a surprising emotion: boredom.This episode is about the hidden noise that surfaces after the structure of work disappears — and why that noise isn't a sign of failure, but a signal worth listening to.What You'll Learn: Why boredom in retirement feels more like pressure than peace How unstructured time can trigger unexpected emotions The link between boredom and mental clutter Why retirement doesn't quiet your mind — it confronts it How to reframe boredom as an invitation to experiment, reflect, and grow Key Takeaways: Structure disappears faster than purpose appears. Mental clutter loves a vacuum. Boredom can be a bridge, not a wall. You don't need a five-point plan. You need a small spark.Questions for Reflection: Is this boredom… or is this mental clutter in disguise? Am I judging myself for not being productive? What have I stopped doing that I used to enjoy? What am I trying not to feel right now?If you've recently retired and find yourself feeling restless or “off,” this episode is for you. You're not broken — you're human. And you're not alone. Tune in to learn how boredom might just be pointing you toward your next chapter.

The No. 1 financial goal for most Americans is retirement. Once they retire, their primary goal becomes not running out of money. Host Robert Brokamp discusses the pros, cons, and tradeoffs of various withdrawal strategies with Christine Benz, director of personal finance at Morningstar and co-author of a new report on retirement income. Also in this episode:-Prepare for lower taxes in 2026 by having less withheld from your paycheck and contributing more to your investments-A recent Washington Post article argues that bigger houses lead to lower levels of happiness-The percentage of the global stock market that comes from U.S. stocks is near an all-time high, but non-U.S. stocks made up for lost ground in 2025-Listeners share their tips and tricks for staying on top of their investments and spending Host: Robert BrokampGuest: Christine BenzEngineer: Bart Shannon Disclosure: Advertisements are sponsored content and provided for informational purposes only. The Motley Fool and its affiliates (collectively, “TMF”) do not endorse, recommend, or verify the accuracy or completeness of the statements made within advertisements. TMF is not involved in the offer, sale, or solicitation of any securities advertised herein and makes no representations regarding the suitability, or risks associated with any investment opportunity presented. Investors should conduct their own due diligence and consult with legal, tax, and financial advisors before making any investment decisions. TMF assumes no responsibility for any losses or damages arising from this advertisement. We're committed to transparency: All personal opinions in advertisements from Fools are their own. The product advertised in this episode was loaned to TMF and was returned after a test period or the product advertised in this episode was purchased by TMF. Advertiser has paid for the sponsorship of this episode. Learn more about your ad choices. Visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Jim and Chris are joined by Jake to discuss listener questions on SSA-44 and IRMAA surcharges, inherited IRA spousal rollover rules, long-term care insurance benefit caps, and ACA tax credits. (4:45) George asks whether an unexpected W-2 stock option payout in 2025 could support filing SSA-44 to reduce 2027 IRMAA surcharges, especially if he stops consulting income afterward. (12:00) A listener asks whether SSA-44 can be used retroactively to request a refund of 2025 IRMAA surcharges after a job loss pushed MAGI below the threshold. (18:15) Georgette asks whether she can take withdrawals from her deceased spouse's inherited IRA without penalty and still later move the remaining balance into her own IRA. (28:00) The guys address why long-term care insurance policies often have a lifetime benefit cap and whether benefits can run out during an extended care event. (46:45) Chris and Jake cover whether long-term capital gains count toward the modified adjusted gross income used for ACA tax credits and can affect eligibility. The post IRMAA, Inherited IRA, LTC, ACA Tax Credits: Q&A #2602 appeared first on The Retirement and IRA Show.

In this week's episode of All Elite Conversation Club, PWTorch contributors Joel Dehnel and Gregg Kanner cover these topics:(00:00) Introductions(01:41) Jim Ross makes return to AEW commentary(07:00) Young Bucks cleared for 2026;(09:50) Andrade return(16:40) Young Bucks come full circle(22:30) Mercedes get humiliated(32:07) Moxley/Benjamin Continental title eliminator(36:40) MJF-Bandido build(45:07) Marina/Toni match awkward styles mixing(49:43) Darby sets up Pac match at Maximum Carnage(52:04) Lights Out main event(58:32) Hook's ceiling and upside concerns(01:01:44) Tanahashi retirement ceremony(01:31:56) Emails and Trivia(01:57:24) Bullet Club dissolves after 13 yearsBecome a supporter of this podcast: https://www.spreaker.com/podcast/pwtorch-dailycast--3276210/support.

Let's review four differences between work and jobs. First, your job may employ none of your gifts; your work employs all your gifts. Second, your job will inevitably result in income; your work may never result in income. Third, there is always someone else who can do your job; there is never anyone else who can do your work. And fourth, your job may sometimes produce frustration; your work will most often produce fruit. But now, let’s consider two other differences in your job and your work. Your job will end in retirement; your work will not end until death. Jobs come to an end. Either you retire, walk away from the job, or the job is eliminated. If your self-worth is linked to your job, then the loss or end of a job can be devastating, and it is to many people. Work, however, has no termination age. There’s no 65-year cut-off point for your work. Retirement from work is retirement from life, and it is not scheduled by men but by God. Your work may and most likely will take some turns and changes as you progress through life. But I think of elderly Christians who are no longer physically able to do many of the things they did for the Lord earlier in their lives. Their work has changed, and now they are marvelous prayer warriors, doing the most important of all work. Your work may never become your job; your job could never replace your work. Many think the ultimate in life would be to have a job that becomes our work, so what we do every day to enable us to earn a living is the same thing God has called us to do and gifted us to do for his glory. But let me tell you, that rarely happens, and that's because it doesn’t fit into God’s plan for reaching the world. He’s left us in this world to be his salt and light, and that means we need to mingle in the marketplace where the people are. That means we need jobs to get us in there, so we can do the work God has called us to do, in many cases. Most of us will find it necessary to continue committing large portions of our lives to a job that does not fully define or fulfill us. But that doesn’t mean we can’t be successful at our work. Our jobs and our work don’t have to be in competition. In fact, when we’re in right relationship with God’s plan for our lives, they will not be in competition. Now, you may be thinking, “You mean, I can’t expect to find a job I really love?” No, that’s not what I mean. If we’re smart, we’ll educate ourselves and do everything we can to match our jobs with our talents and strengths, so that they are not working against our gifts. For example, my last business job was to make training presentations. Not only do I enjoy making presentations, but in the process of doing my job, I was trained to do my work better. I enjoyed my job, though I would not have voluntarily done it if there was not a need to make money. However, that job was a tool in God’s hands to prepare me for my work and to touch other lives I would never have touched otherwise. And then the other great truth of Scripture is when we are walking with Jesus, everything we do can be done for his glory. No matter what job we have, as Christians we can do it to God’s glory, and it becomes meaningful and purposeful. I think of one of my listeners who used to work in a large bakery, doing rather repetitive work, which could be described as unchallenging and unfulfilling. But this woman viewed her place of employment as her Jerusalem where she was to take God’s good news. And God gave her incredible opportunities to witness to many people, including executives in the company. I never knew her to complain about the lack of fulfillment in her job, though I’m sure there were days she got bored with the routine. She went to work each morning to see what exciting thing God would do through her that day, and she didn’t occupy her mind with the mundaneness of the job itself. You can know fulfillment amid a routine job if you know Jesus, and you’re doing your work for his glory. We are in a win-win situation when we know Jesus. He gives us meaningful work, and then he says even our jobs, which are not our work, can be done to his glory if our attitude is right. Either way—whether you’re doing your job or your work, you are working for Jesus, and it counts for eternity. Now, if you understand the difference between your job and your work, then lots of puzzles start to clear up for you. Your ultimate objectives should be: To achieve harmony between your job and your work. That’s going to take different forms for different people. But isn’t it great and wonderful to know it doesn’t matter whether we’re gifted for some great job success. We are gifted for success in our work, and if we do the work God has called us to do, we will be successful in his eyes. To do as much work as possible while doing your job. Our challenge is to know what our work is and then prioritize our lives so we have time to do our work. And is that ever a challenge! Please keep in your mind the ever-present vision of standing before Jesus to give an account of how you’ve used your time here on earth. If you get so involved in your job or anything else so you don’t do your work, you will be very embarrassed when accounting time comes. We’re told in 1 Corinthians 3 our work will be shown for what it is at the Day of Judgment. And we will have wood, hay, or straw, or we’ll have gold, silver, and costly stones. Then the fire at the Judgment Seat will reveal the quality of our work. Now, wood, hay, and stubble take up a lot more space than gold, silver, and costly stones, right? And we get fooled sometimes by volume. If I had a million dollars I could buy a bunch of wood, hay, and straw, and it would take up space. But if I brought a million dollars of gold, silver, and costly stones, I could hold them in my hand or at most a small bag. You might not notice it, and it wouldn’t take up much room. If we don’t understand the difference, we might opt for the wood, hay, and straw because it looks bigger. But that stuff burns fast when you strike a match to it, whereas the gold, silver, and costly stones will survive any fire you put them through. Do you get the picture here? Sometimes, with poor earthly eyesight, we spend our lives doing things that burn up. They look important here because they take up space and time. But in eternity, they are worthless. It is super important to get the priorities of our lives in line with God's word and do the important things, not just the urgent ones. We must look for ways for our jobs to encompass more of our work. Recognizing we spend a large portion of our lives at our jobs, of necessity, and knowing only our work counts for eternity, we need to find ways to incorporate our work into our job. That might mean looking for another job—one that maybe doesn’t pay as much—in order to have more time for our work or to do our work with our job. Here are some good things to consider when evaluating whether you’re in the right job: A good job is one that: plays to your personal strengths. Look for a job that uses your gifts and allows you to polish and perfect your gifts. meets a legitimate need. Even though our jobs are earth-bound, there are jobs which certainly meet legitimate needs, and those are more satisfying than others. There are simply some jobs Christians should not hold, because they don’t contribute to any good in our society. doesn’t compromise your core values or biblical principles. finances your lifestyle and your work. allows you to contribute to ministry. Many people are called by God to jobs so they have money to contribute to ministry. You may have the gift of giving and therefore your job is important to your work. gives you a platform for credible witness. This is one major reason we have jobs, because it gets our feet in the doors where otherwise we would never go. provides contact with people you can impact. People are the most important thing to God. There's a song written by Steve Green, and the words are right on. He wrote, “People need the Lord, at the end of broken dreams, he's the open door. We are called to take his light to a world where wrong seems right. They must hear the words of life only we can share. People need the Lord. When will we realize that people need the Lord.” Wherever your job takes you, there are people. And since no one is in your life by accident, people are in your life to give you an opportunity in some way—brief or small as it may be—to tell them you have found what they are unconsciously looking for—Jesus. That's one way the job you have can be transformed into the work God has given you to do. Just introduce people to Jesus. I hope these thoughts on your job versus your work have been thought provoking for you. I think we could see some significant attitude changes toward our jobs if every Christian had this clear worldview.

Spencer Martin and Johan Bruyneel discuss Simon Yates' sudden, and shocking, retirement, and, combined with Wout van Aert's injury, where it leaves Visma-Lease a Bike heading into the 2026 season. They also go through Derek Gee-West's official transfer to Lidl-Trek, Soudal's extension for five more years as a title sponsor, and ponder who the best French GC rider is going into 2026. Become a WEDŪ Member Today to Unlock VIP Access & Benefits: https://access.wedu.team Huel: Get Huel's full High-Protein Starter Kit online with my code THEMOVE20 for 20% off at https://huel.com/THEMOVE20. New Customers Only. Thank you to Huel for partnering and supporting our show! Caldera Lab: A small habit with big results. Go to https://CalderaLab.com/THEMOVE and use code THEMOVE for 20% off your first order. Quince: Layer up this fall with pieces that feel as good as they look. Go to https://quince.com/themove for free shipping on your order and 365-day returns. Now available in Canada, too.

Adam, Phil, and Nicholas chat about all the big wrestling talking points this week...2026 Wrestling Predictions!Who should be world champion this year?NXT talent RAIDED!Early Rumble contenders!AJ Styles RETIREMENT?!We answer all these questions and more, and there's a bloody good quiz all about Randy Orton!Follow us on Twitter:@AdamWilbourn@PhilMyChambers@ItsAdamNicholas@WhatCultureWWEFor more awesome content, check out: whatculture.com/wwe Hosted on Acast. See acast.com/privacy for more information.

You saved diligently for decades — so why does giving yourself permission to spend still feel so hard?  In this episode, we discuss:  Why many retirees underspend despite having a secure financial plan Emotional and psychological barriers to spending How lifelong, "saver" habits impact retirement decisions Low-risk strategies to help build spending confidence Today's article is from the Kitces blog titled, Helping Underspenders And "Savers" Understand They CAN Spend More With 4 Stages Of "Experiments". Listen in as Founder and CEO of Howard Bailey Financial, Casey Weade, breaks down the article and provides thoughtful insights and advice on how it applies to your unique financial situation. Show Notes: HowardBailey.com/542

The Fat One closes out the week with a recap of his day which included watching the TV machine, Shishameat Rice, Seniorcize class, several gas reports, preparing for Leather Weather and some 2025 statistics about the coupon and Nippa Walking. Don't forget about “Ruination: The Early Years” Saturday morning. Happy National Apricot Day.

This week, the guys discuss the WWE PLE Library moving to Netflix and how it feels like a custody battle when it comes to different shows going to different platforms. They also discuss OBA Femi and others joining the main roster. Additionally, this week's Monday Night Raw featured a crossover with Stranger Things to celebrate the first anniversary of the show's release on Netflix. The guys talk about the episode and wonder what it would have looked like if Vince had booked it. Andrew explains his excitement for New Japan, combining the lineage of the world titles and going back to the old belt. Plus, thoughts on Wrestle Kingdom and Tanahashi's retirement, this week's Dynamite episode, your questions, and more!

If someone asks you what you are doing to prepare for your retirement, you might mention a 401K or an IRA, but what you might not realize is that you also need to prepare your mind for this major change in your life as well.   Dr. Ross Andel, a gerontologist, who has been studying what happens to our brains when we retire, reveals how it can have serious consequences for our mental health, including cognitive decline and depression.  But he will also offer some easy steps and tips to avoid this "retirement trap" and keep our brains active and healthy so that we can fully enjoy that hard-earned nest egg in our golden years.   For more information, transcripts, and all episodes, please visit https://thisisyourbrain.com   For more about Weill Cornell Medicine Neurological Surgery, please visit https://neurosurgery.weillcornell.org 

Brittany and Kendall share the latest including: Serena Williams skin bleaching, Beyonce is a billionaire now, Travis Kelce's retirement!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Andy and Cody Garrett from Measure Twice Financial share their thoughts on a handful of current events and "hot topics" relating to retirement planning. Specifically, they talk about: Affordable Care Act ("ACA") tax credits and income "cliffs" in tax planning ( 08:13 )Doing Roth conversions vs tax gain harvesting ( 22:30 )Paying taxes in retirement; estimated payments vs withholdings ( 31:33 )Rushing into Roth conversions ( 38:50 )When to start doing HSA distributions ( 51:31 )Should you be worried about tech stocks ( 58:23 )Timing Required Minimum Distributions ("RMDs"); when in the year to take them ( 1:08:26 )Retirement spending anxiety ( 1:17:37 )Links in this episode:Cody's website - https://www.measuretwicemoney.com/To send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.comMy company newsletter - Retirement Planning InsightsFacebook group - Retirement Planning Education (formerly Taxes in Retirement)YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)Retirement Planning Education website - www.RetirementPlanningEducation.com

After decades of saving and doing the right things, most people expect retirement to feel clear.  But for many, it doesn't. Not necessarily because they didn't save enough, but because key financial decisions were made in isolation. In this episode, I walk through the seven questions every retirement saver should be able to answer. I also share the exact planning framework my team and I use to make sure those questions are addressed in a thoughtful, coordinated way. By the end of today's episode, you'll have a clearer framework for evaluating your retirement decisions. And more importantly, you'll understand what it actually takes to feel confident about the years ahead. ***

Building wealth and time freedom isn't just about working harder or finding the next opportunity; it's about surrounding yourself with the right people and designing systems that create leverage over time. And today's guest has mastered both sides of that equation.Thanh Pham is the founder of Asian Efficiency and host of The Productivity Show, where he has spent more than a decade helping entrepreneurs and executives work smarter, not longer. From hosting 50 magnificently curated Jeffersonian-style dinners to building thriving communities and events in Austin, Thanh has mastered the art of creating relationship capital. Thanh shares how curating meaningful relationships not only accelerated his personal growth but also his business opportunities and his lifestyle freedom. He explains why hosting experiences is one of the fastest ways to build trust and credibility and how positioning yourself as a connector opens doors that money can't.You definitely won't want to miss the end of our conversation, where Thanh explains how he's now leveraging AI and automation, using AI agents to handle entire workflows and reclaim dozens of hours of his time each week. Rather than replacing human connection, Thanh shows how technology can amplify it and free up your time for what matters most.In this episode, you'll learn: ✅ How hosting intentionally curated events positions you as a connector and builds trust, develops opportunities and accelerates long-term wealth.✅ How Thanh curates relationship capital to grow his business without sacrificing freedom or burning out.✅ The AI agents Thanh uses to automate various aspects of his business and the system that saved him 83 hours in a single week.Show Notes: LifestyleInvestor.com/272Tax Strategy MasterclassIf you're interested in learning more about Tax Strategy and how YOU can apply 28 of the best, most effective strategies right away, check out our BRAND NEW Tax Strategy Masterclass: www.lifestyleinvestor.com/taxStrategy Session For a limited time, my team is hosting free, personalized consultation calls to learn more about your goals and determine which of our courses or masterminds will get you to the next level. To book your free session, visit LifestyleInvestor.com/consultationThe Lifestyle Investor InsiderJoin The Lifestyle Investor Insider, our brand new AI - curated newsletter - FREE for all podcast listeners for a limited time: www.lifestyleinvestor.com/insiderRate & ReviewIf you enjoyed today's episode of The Lifestyle Investor, hit the subscribe button on Apple Podcasts, Spotify, or wherever you listen, so future episodes are automatically downloaded directly to your device. You can also help by providing an honest rating & review.Connect with Justin DonaldFacebookYouTubeInstagramLinkedInTwitterSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Dr Boyce Watkins, a Finance PhD, breaks down what you need to know about the economy.

The Fat One return with a recap of his day which included a visit to Shady Pines, the coupon and a discussion on Soup! which leads to Broadway musical. Plus the Ham Map has two new entries. Happy National English Toffee Day.

Have you ever wondered if your HSA contributions could cause unexpected issues as you approach retirement? In this episode, I highlight potential risks and mistakes that individuals near or in retirement might encounter with their HSAs. Specifically around scenarios such as switching into an HSA plan mid-year, transitioning out of an HSA plan mid-year, and moving from an HSA plan to Medicare. 

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

Guest: Professor Edward J. Watts. Emperor Diocletian reorganized the empire's administration and persecuted Christians to protect his new system. Following Diocletian's retirement, Constantine seized power through civil war, attributing his military victory to a Christian vision. Constantine subsequently established Constantinople as a new, grand capital to rival Rome.

As the new year begins, Roger Whitney launches a new Retirement Plan Live case study, introducing Henry and Lucy, a couple in their mid-40s pursuing Financial Independence and Retire Early (FIRE). Roger revisits the 4% rule as a planning heuristic, explains when it can be helpful, and sets the stage for a live community analysis later this month. The episode closes with a Smart Sprint focused on updating your net worth statement and a listener's word for 2026.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) This show is dedicated to helping you not just survive retirement, but to have the confidence to lean in and rock it.(00:30) Roger introduces a new Retirement Plan Live case study series and previews the upcoming live community meetup on January 29.RETIREMENT TOOLKIT(01:58) Roger revisits the 4% rule, explaining what it is, where it came from, and why it is often misunderstood.(04:55) Roger talks about the 25x rule commonly used in the FIRE community.(06:38) He discusses the drawbacks of using these heuristics and who they are best used for.(11:05) Roger shares how the 4% rule can help overfunded retirees move beyond scarcity and spend more intentionally.(13:55) A breakdown of FIRE- Financial Independence, Retire Early.RETIREMENT PLAN LIVE(17:41) Roger introduces Henry and Lucy.(20:01) They share how they discovered FIRE and what it means to them.(23:10) Lucy reflects on spending habits, saving, and budgeting(25:30) Henry talks about the start of their relationship.(28:12) Henry and Lucy discuss how saving impacted their lifestyle.(31:20) They discuss what drives their desire to retire early.(32:55) Roger reflects on his first impression of the FIRE Movement.(34:15) What are the obstacles of retiring so early?(38:45) Roger talks about the difference between a complicated problem and a complex problem.(40:35) Roger asks if they think about landmines that could pop up with such a long retirement.(43:57) Roger invites listeners further along the retirement path to share perspective and advice for their 40-something selves.SMART SPRINT(45:20) Roger encourages listeners to update their end-of-year net worth statement and identify trends for the year ahead.WORD OF THE YEAR(47:31) Listener Lindsay shares her word for 2026: Listen, and Roger reflects on the value of deep listening.REFERENCESSubmit a Question for RogerSign up for The NoodleThe Retirement Answer ManLivewithroger.comThe Millionaire Next Door: The Surprising Secrets of America's Wealthy- Thomas J Stanley, Ph.D.

If you want to skip over some weather banter you can go to (14:15). Chris's SummaryJim and I review Roth IRA mistakes and walk through key rules on earned income eligibility, income limits, spousal contributions, excess contributions, and qualified distributions. We use an Investopedia article as a framework, clarify how MAGI impacts Roth eligibility, explain the October 15 correction deadline, and break down the two-prong test for tax-free Roth earnings withdrawals, including how the five-year rule is measured across tax years. Jim's “Pithy” SummaryChris and I kick off the first EDU show of 2026 by taking an Investopedia piece called “11 Mistakes to Avoid with Your Roth IRA” and using it as our launchpad. We're not reading the article to you—we're breaking down what they got right, what they explained too loosely, and what they left out that changes the meaning. We start with the basics that still trip people up: you need earned income to contribute, and a lot of income that feels “earned” (like dividends, interest, rental income, or IRA distributions) doesn't count. Then we pivot to the opposite problem: earning too much and accidentally making an ineligible Roth contribution because your MAGI crossed the line, often after a late bonus or surprise taxable payout. We get into a category of mistakes that can create problems with the IRS: excess contributions. We walk through how easy it is to overfund a Roth when you have multiple accounts, and why the correction rules matter more than most people realize. We talk about the October 15 deadline, how the custodian won't stop you, and why “removing the excess” isn't always the same as removing what you deposited. We also get into the weird but real quirk where, if you miss the correction deadline, you may only need to remove the excess contribution itself, not the growth tied to it. We also dig into the qualified distribution rules for Roth earnings, because this is where the five-year rule gets misunderstood. The Roth has to be five tax years old, and you need a qualifying condition—59½ is one, but it's not the only one. That's where the article oversimplifies, and where people make avoidable mistakes when taking earnings out too early. Show Notes: Article – 11 Mistakes to Avoid With Your Roth IRA The post Roth IRA Mistakes: EDU #2601 appeared first on The Retirement and IRA Show.

//The Wire//2300Z January 6, 2026////ROUTINE////BLUF: TENSIONS REMAIN HIGH IN VENEZUELA, FALSE-ALARM RESULTED IN MASS GUNFIRE LAST NIGHT IN CARACAS. POWER OUTAGE IN BERLIN CONTINUES.// -----BEGIN TEARLINE------International Events-Venezuela: Overnight significant gunfire was reported throughout Caracas as Venezuelan forces reacted to the detection of a drone near the Presidential Palace compound. After some time, the gunfire died down as it became clear that anti-aircraft units were spooked by one of their own drones.Analyst Comment: Clearly the AAA gun batteries the Venezuelans have set up are a bit touchy at the moment, which is most clearly illustrated by them shooting enough rounds into the night sky to equal the GDP of Burundi. Nevertheless, now is a suboptimal time for both migratory birds and absconding Generals, as anything with wings is liable to be shot at over Caracas.Germany: The power outages continue for roughly 45,000 customers throughout Berlin, following the terrorist attack conducted by the Vulkangruppe insurgent group on Saturday. Most customers are coming back online as repairs are being made, however it's been slow going due to the single-point-of-failure attack site causing issues further down the line.-----END TEARLINE-----Analyst Comments: Due to the length of the power outage, combined with the extremely cold temperatures, many complications have come about. Sewage pumping stations being offline for this many days has resulted in waste backflowing downhill into many people's homes. Retirement centers and senior care facilities, both holding the elderly, have been trying to do their best to manage with the scale of the attack. Hospitals and other public services have been running on generator power for some time, however this has been challenging to maintain over such a long period of time. Attacks like this becoming more common (or at least continuing as they have in the past) is crucial to remember; insurgent groups will strike when maximum effectiveness can be achieved, which often times coincides with bad weather or other incidents.Analyst: S2A1Research: https://publish.obsidian.md/s2undergroundDisclaimer: No LLMs were used in the writing of this report.//END REPORT//

After some “Good Morning” greetings, the Fat One recaps his day in Fat Acres which included the newest version of the CBS Evening News, Seniorcize class and more before he starts reading the comments on the www. There's also a gas report and the near conclusion of the “Win Bacon's Money” contest. Happy National Tempura … Continue reading BFO4673 – The Cash Money Is In The Mail

The most common myth about financial advisors? That they're required to work in your best interest. In this episode, fiduciary advisor Jason Pereira helps us break down the difference between a financial advisor and a fiduciary advisor. You'll learn what financial planning looks like beyond investing, the risks of relying on AI for financial advice, and how he's fighting for more transparency and accountability in the industry. Topics discussed: Introduction (00:00) Jason's early interest in finance (01:42) How his view of entrepreneurship changed (04:13) The truth about financial advisors and fiduciary duty (05:07) What most people misunderstand about financial planning (10:24) Why pricing models shouldn't be one-size-fits-all (11:42) The positive and negative impact of AI on the industry (15:16) Why advisors should embrace digital intimacy (20:29) Work boundaries that protect your family life (22:56) What brought you JOY today? (25:41) 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 Connect with Jason Pereira: X (Twitter): https://x.com/jasonpereira/ LinkedIn: https://www.linkedin.com/in/pereirajm/ Facebook: https://www.facebook.com/jason.pereira/ Instagram: https://www.kidsfirst.org/nl/ TikTok: http://tiktok.com/@jason.m.pereira Bluesky: https://bsky.app/profile/jasonpereira.bsky.social Threads: https://www.threads.com/@jasonmpereira Website: https://jasonpereira.ca/ Woodgate Financial: https://www.woodgate.com/ About Our Guest: Jason Pereira MBA CFA CFP (Can & US) RFP TEP FP Canada Fellow is a well-known and accomplished financial planner and industry advocate. He is also recognized as one of the leading financial advisor industry thought leaders and speakers on various financial advisor technology-related topics, including digital transformation and practice management, digital engagement, and artificial intelligence. He serves as an advisor to several Advisor Technology startups, consults on issues surrounding digital transformation, and is the host of the Fintech Impact Podcast, where he has interviewed over 400 fintech founders, executives, and thought leaders in the space. 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

On Jesse's 12th "Ask Me Anything" episode, he opens the year by tackling the questions that tend to surface when calendars turn and retirement feels closer than ever. He begins with a thoughtful exploration of whether "this is the year to retire," unpacking how sequence-of-returns risk, market valuations, spending accuracy, and portfolio construction matter far more than trying to guess the next market move, and why building flexibility—not perfect timing—is the real defense against early-retirement risk. From there, Jesse shifts to a practical and surprisingly nuanced discussion on getting kids and grandkids started in investing, weighing Roth IRAs, custodial accounts, and taxable strategies while emphasizing the twin lessons of earned money and compounding—and how to balance long-term discipline with making investing engaging and educational. He then addresses how portfolios should evolve as investors age and as assets grow, explaining why the glide path toward retirement is as much about risk capacity, risk need, and behavioral fit as it is about age, and why excess capital fundamentally changes how—and why—you take risk. He closes with a comprehensive walk through the key ages and milestones that shape a financial plan, from early adulthood to Social Security, Medicare, and required minimum distributions, giving listeners a clear mental map of when critical doors open and close. Throughout, Jesse blends technical insight with behavioral clarity, helping listeners not just answer financial questions, but build a durable way of thinking about decisions that will compound for decades. Key Takeaways:• The decision to retire is less about predicting markets and more about understanding cash flow, spending flexibility, and downside protection in the early years. • Writing down the rationale behind major investment decisions helps reduce future regret and emotional reactions. • Many retirees underestimate their spending, which can create false confidence in retirement readiness. • Teaching kids about investing works best when it combines earned income, parental matching, and simple, long-term strategies. • Excess capital changes the nature of investment decisions, allowing greater freedom without jeopardizing core goals. • Knowing the key financial ages—Social Security, Medicare, Roth rules, and required minimum distributions—helps investors anticipate decisions rather than react under pressure. Links:https://bestinterest.blog/should-retirees-sell-stocks-move-to-cash/ https://bestinterest.blog/great-investors-little-secret/ https://bestinterest.blog/rmds-sequence-risk-retirement-destruction/ https://bestinterest.blog/e87/ Wade Pfau's SRR Chart: https://www.bogleheads.org/forum/viewtopic.php?t=461168 https://bestinterest.blog/when-not-to-rebalance/ Key Timestamps:(03:51) – Smart and Dumb Reasons to Move to Cash (16:46) – Sequence of Returns Risk (20:47) – Spending and Lifestyle in Early Retirement (23:30) – Getting Kids Involved in Investing (26:10) – Tax Implications and Control of UGMA Accounts (30:38) – Investment Strategies for Financial Independence (36:44) – Rebalancing in Retirement (43:57) – Important Ages and Events in Retirement Planning Key Topics Discussed:The Best Interest, Jesse Cramer, Wealth Management Rochester NY, Financial Planning for Families, Fiduciary Financial Advisor, Comprehensive Financial Planning, Retirement Planning Advice, Tax-Efficient Investing, Risk Management for Investors, Generational Wealth Transfer Planning, Financial Strategies for High Earners, Personal Finance for Entrepreneurs, Behavioral Finance Insights, Asset Allocation Strategies, Advanced Estate Planning Techniques More of The Best Interest:Check out the Best Interest Blog at https://bestinterest.blog/ Contact me at jesse@bestinterest.blog Consider working with me at https://bestinterest.blog/work/ The Best Interest Podcast is a personal podcast meant for education and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

Hey friends! Kaleb and I are so excited to kick off 2026 with this episode! Kaleb and I sat down and had a really honest convo about where we crushed it last year… and where we definitely did not

Andy Roddick and Jon Wertheim kick off the 2026 season by talking Stan Wawrinka announcing his final season. Andy Roddick explains why he respects Stan and Venus Williams for continuing to play when they no longer have the "Grand Slam carrot" in front of them. Plus, we break down the new ATP heat policy and injuries heading into the Aussie swing with stars like Jack Draper, Holger Rune, and Arthur Fils all out from the 2026 AO. Plus developing news from Novak Djokovic. Click here for Novak Djokovic statement: https://x.com/DjokerNole/status/2007915011239551208?s=20 Click here for PTPA statement: https://x.com/ptpaplayers/status/2007995991954256280?s=20 COMMENT BELOW:What are you most looking forward to in the 2026 tennis season?Who do you think is looking good for AO so far?

5 Mindset Shifts for Retirement Success in 2026 (No Hustle, Just Standards)Imagine it's December 31, 2026… and you're not scrambling, apologizing, or promising “next year will be different.”You're calm. Your money feels intentional. Your life feels designed.In this episode, we're sharing 5 practical mindset shifts for retirement success—especially for LGBTQ+ folks who are tired of starting over every January and ready to build real momentum.These aren't “new year, new you” clichés. They're identity upgrades + small daily standards that compound into big results—like stronger savings, lower debt, and more confidence about retirement.✅ Key Takeaways for Retirement SuccessYour identity doesn't change your life—your standards do.Retirement success is built through 1% changes that compound, not one big “perfect plan.”Many money struggles are really tolerance problems (clutter, subscriptions, debt delays, default spending).You're never failing—you're learning. The win is breaking the loop with a minimum daily standard.Know your numbers, but don't worship the shortage: progress beats panic.

The kids are back in school and the Fat One returns with a recap of his day in Fat Acres which included packing all the Chrima decorations into containers and lugging them into the storage area, clean sheets and a surprise from DJ Zbornaak. Happy National Shortbread Day.

Gary Zimmerman of Max® explains how to utilize your cash asset in retirement. Cash is one of the most overlooked assets in retirement. Here's how retirees can earn thousands more in interest while keeping their money safe and FDIC-insured. Many retirees spend years carefully managing their investments — stocks, bonds, and retirement accounts get plenty of attention. But there's one asset class that often gets ignored: cash. In this episode of Retire Today, I'm joined by Gary Zimmerman, founder and CEO of Max® to talk about why so many Americans are earning next to nothing on their bank money — and how that quiet mistake can cost retirees tens of thousands of dollars over time. As Gary explains early in the conversation, “People think that the bigger the bank, the safer it is. And that's patently not true.” In fact, many of the banks that failed during past financial crises were among the largest institutions. Why Cash Matters More in Retirement Cash plays a unique role in retirement. It provides liquidity, stability, and peace of mind — especially when markets are volatile. But that doesn't mean cash has to sit idle. Gary shared that after years as an advisor, he started getting a flood of calls from clients during the COVID period. Their CDs were maturing, and rates were dropping instead of rising. “They were missing out on thousands of dollars in interest,” he said. At the same time, trillions of dollars across the U.S. were sitting in bank accounts earning close to zero — while other savers were earning closer to 4% in the same type of FDIC-insured accounts. That gap is not about risk. It's about awareness and access. FDIC Insurance: Safety Without Sacrificing Yield One of the most important parts of the conversation focused on FDIC insurance. Many people believe that as long as their money is at a big-name bank, it's automatically safe. But FDIC insurance has limits — typically $250,000 per depositor, per bank, per ownership category. As I shared in the episode, I regularly see “everyday millionaires” with far more than $250,000 sitting in bank-type accounts — without full insurance coverage. Gary explained how spreading cash across multiple institutions increases FDIC protection and improves interest rates at the same time. “The more diversified you are, the more guarantees you get from the FDIC,” he said. Why Banks Pay So Little (And Why They Can) A question many retirees ask is simple:If higher rates exist, why don't banks automatically pay them? Gary's answer was refreshingly blunt. Banks don't raise rates unless they need your money. When a bank pays 0.1% or 0.2%, it's often a signal: “They're telling you they don't want your money.” Online banks, smaller institutions, and rate marketplaces compete aggressively for deposits — and that competition benefits savers who are willing to look beyond their local branch. As Gary put it, “There's an actual market for your money. Just like selling a house, you have to put your money on the market to get the best price.” DIY vs. Using a Service Could retirees do all of this on their own? Yes.But should they? Gary compared the process to constantly switching phone plans or insurance providers. It works — but it requires attention, time, and discipline. Rates change, banks create teaser accounts, and some institutions quietly lower yields after a few months. Max® was designed to automate that process. As Gary described it, the goal is to “spend five or ten minutes thinking about cash, then never think about it again.” For many clients, that convenience translates into meaningful results. Gary shared that a retiree with $250,000 in cash could earn roughly $10,000 more per year, or $100,000 over a decade, simply by managing cash more effectively. The Behavioral Finance Problem Nobody Talks About One of my favorite parts of the conversation focused on behavioral finance. People say they like their bank because it feels familiar. But when asked how they actually interact with it, the answer is usually: “I use the app.” At that point, loyalty becomes expensive. As Gary summed it up, “The bank owes you nothing. You owe the bank nothing.” Your savings should work as hard as you did to earn it. The Bottom Line Cash isn't boring — it's powerful when used correctly.For retirees, optimizing cash can mean more flexibility, less risk, and thousands of dollars in additional income over time — without chasing returns or increasing exposure. Don't forget to leave a rating for the “Retire Today” podcast if you've been enjoying these episodes! Subscribe to Retire Today to get new episodes every Wednesday. Apple Podcasts: https://podcasts.apple.com/us/podcast/retire-today/id1488769337 Spotify Podcasts: https://bit.ly/RetireTodaySpotify About the Author: Jeremy Keil, CFP®, CFA® is a financial advisor in Milwaukee, WI, author of the bestseller Retire Today: Create Your Retirement Master Plan in 5 Simple Steps and host of both the Retire Today Podcast and Mr. Retirement YouTube channel Additional Links: Buy Jeremy's book – Retire Today: Create Your Retirement Master Plan in 5 Simple Steps Gary Zimmerman on LinkedIn Max®: Your Best Interest Create Your Retirement Master Plan in 5 Simple Steps Connect With Jeremy Keil: Keil Financial Partners LinkedIn: Jeremy Keil Facebook: Jeremy Keil LinkedIn: Keil Financial Partners YouTube: Mr. Retirement Book an Intro Call with Jeremy's Team Media Disclosures: Disclosures This media is provided for informational and educational purposes only and does not consider the investment objectives, financial situation, or particular needs of any consumer. Nothing in this program should be construed as investment, legal, or tax advice, nor as a recommendation to buy, sell, or hold any security or to adopt any investment strategy. The views and opinions expressed are those of the host and any guest, current as of the date of recording, and may change without notice as market, political or economic conditions evolve. All investments involve risk, including the possible loss of principal. Past performance is no guarantee of future results. Legal & Tax Disclosure Consumers should consult their own qualified attorney, CPA, or other professional advisor regarding their specific legal and tax situations. Advisor Disclosures Alongside, LLC, doing business as Keil Financial Partners, is an SEC-registered investment adviser. Registration does not imply a certain level of skill or expertise. Advisory services are delivered through the Alongside, LLC platform. Keil Financial Partners is independent, not owned or operated by Alongside, LLC. Additional information about Alongside, LLC – including its services, fees and any material conflicts of interest – can be found at https://adviserinfo.sec.gov/firm/summary/333587 or by requesting Form ADV Part 2A. The content of this media should not be reproduced or redistributed without the firm’s written consent. Any trademarks or service marks mentioned belong to their respective owners and are used for identification purposes only. Additional Important Disclosures

In this episode, I'm helping you kick off 2026 by reflecting on financial habits that pave the way for a successful retirement. As we set our goals for the year ahead, I share the four key traits I've observed in successful retirees, drawn from years of experience working with people from all walks of life. You'll hear practical advice on how to work hard and invest consistently, the importance of living within your means, and ways to avoid common investment pitfalls that can derail your progress. Whether you're just starting your retirement planning or fine-tuning your financial strategy, this episode is full of actionable tips to help you improve your financial life in 2026. If you're ready to take charge of your future and put a solid plan in place, this episode is a must-listen. You will want to hear this episode if you are interested in... 00:00 Retirement success traits revealed. 05:29 Budgeting for financial growth. 07:49 Invest simply and consistently. 10:36 Improve and grow net worth. 13:38 Keep an eye on your net worth. Four Habits of Highly Successful Retirees There's no magic bullet to achieving a comfortable retirement. Many successful retirees weren't born into wealth; in fact, about 80% of millionaires started with little and built their nest eggs from scratch. The through-line is diligence and perseverance. A powerful habit among this group is paying themselves first. Rather than saving what's left at the end of the month, successful retirees set aside a portion of their income before budgeting for other expenses. Many automate investments into employer-sponsored retirement accounts or other savings vehicles. This intentionality ensures that the priority remains on building wealth, not just sustaining a lifestyle. Budgeting plays an essential role here. I recommend reviewing your annual spending, categorizing transactions, and identifying excesses. Small changes can help you free up cash for investments and debt reduction. If you struggle with credit card overspending, consider switching to cash or debit cards, which make it easier to visualize your available funds and stay disciplined. There's also a growing temptation to "keep up with the Joneses," especially when social media showcases other people's amazing vacations! Appearances can be deceiving, you never know whether your neighbours are deeply in debt despite flashy photos. The key is to focus on your own financial journey, not someone else's highlight reel. Keep Your Investments Simple Despite the barrage of complex investment themes and "get rich quick" schemes circulating online, the most effective investors stick to the basics. Avoid speculative strategies like day trading, option contracts, and penny stocks for the bulk of your portfolio. These approaches can lead to significant losses, or even financial ruin. Successful retirees typically lean on a diversified, straightforward mix of investments: blue-chip stocks, index funds, bonds, and some real estate. A simple, repeatable investment plan not only reduces stress but also reduces the chance of costly errors. If an investment sounds complicated or "too good to be true," it likely isn't the right tool for you. Track Your Net Worth, Every Year A great habit to get into is consistently tracking your net worth. For example, every year, I  take inventory and value all of my assets, subtract any liabilities, and calculate my own net worth. This exercise isn't just about patting myself on the back, it's an important annual check-in on financial progress which helps me course-correct if I'm getting off track. If you discover stagnant or shrinking net worth, it's a signal to look at spending, debt, or investment choices. For those carrying high-interest debt (over 6–7%), prioritizing repayment can yield safer and higher "returns" than most investments. Even in retirement, monitoring net worth is vital. Spending down savings is natural, but keeping an eye on the pace ensures your money lasts as long as you need it to. Take Action Today Successful retirees don't wait for luck or windfalls, they put in the work, invest with discipline, stay clear of fads, and track their progress. Start by reviewing your own budget and net worth, and set realistic, meaningful goals for the year ahead. Your future self will thank you. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE Budget Worksheet Net Worth Spreadsheet Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan

Is your growth threatening your marriage - or is it actually an invitation from God?If you're a Christian woman in business, a Christian leader, or a faith-driven entrepreneur who feels God stretching you in this season, but your spouse feels stuck or left behind, this episode is for you. We unpack how to pursue godly success, purpose at work, and faith-driven leadership without sacrificing your marriage in the process. You'll walk away with language, tools, and hope to navigate emotional tension, identity shifts, and misaligned seasons—without shrinking back from who God is asking you to become.SummaryIn this episode of the Don't Waste the Chaos Podcast, Christian business and HR consultant Kerri Roberts sits down with her husband Terry Roberts for a real, unscripted conversation about what happens when one partner grows and the other feels left behind. Through their own stories - from grad school to career pivots, from burnout to business launches - they talk honestly about money fears, identity, retirement, and how growth in one spouse can feel threatening, scary, or lonely to the other.Kerri and Terry dig into how identity in Christ shapes emotional health, how to support your spouse without losing yourself, and why “working on each other” almost always backfires. Terry shares about the 365-day identity devotional he's building and how it's helping him process insecurity, comparison, and emotional triggers in a way that keeps his focus on Christ instead of on blame. Together, they explore what it means for Christian women in leadership and Christian entrepreneurs to grow fast, pivot careers, or start businesses while still honoring their marriage covenant.If you're a high-achieving Christian woman in business who's afraid your growth might cost you your marriage - or you feel resentful, stuck, or unseen while your spouse sprints ahead—this conversation will ground you in Scripture, reframe your expectations, and give you practical ways to overcome chaos at home. You'll gain language for your feelings, a healthier view of retirement and calling, and renewed confidence that godly success doesn't have to come at the expense of your marriage.Key TakeawaysStop “working on” your spouse—start working on yourself and serving them.Fast growth vs. slow growth is normal—but silence kills connection.Identity in Christ protects your marriage from insecurity and comparison.Support doesn't mean self-erasure.Retirement isn't the finish line—purpose is.ResourcesHR in a Box – If you're an entrepreneur leading a growing team, you don't have to guess your way through hiring, feedback, performance conversations, or compliance. HR in a Box is my signature service that gives you the HR structure, scripts, and strategy you need - without the cost of a full-time HR department. Build a team culture that reflects your faith, protects your business, and supports sustainable, godly success. Get instant access here: https://saltandlight.builddesk.ai/hrinabox-bfWant to age in reverse like Kerri? Try NAD+ (or collagen glutathione or any of the other supplements) from Rho Nutrition and save money while you're at it by using Kerri's link: https://rhonutrition.com/kerrirobertsTerry RobertsInstagram: @tdrobTikTok: @mortgagetipdailyYou don't have to choose between your calling and your covenant. God can use the chaos between your growth and your spouse's pace to shape both of you. Don't waste the chaos—embrace it.Support the show

In this episode Brian and Jeff discuss economic concerns for 2026 and what your CPA needs to know before they file your taxes. 

In this episode brain and Jeff discuss different types of advisors - which is right for you, and the the top 5 market risks that many DIY investors miss. 

What if being intentional—not just optimistic—could transform your next 12 months? In this episode, Jackie Campbell shares five practical steps for building a solid financial plan: set SMART goals, create a written money plan, clean up your financial “messes,” prioritize self-care, and always keep learning. Discover how to protect your assets, plan for taxes, and prepare for life’s surprises with clear strategies that work at any stage. It’s a candid look at how small, intentional actions can make a big difference in your financial future. For more information or to schedule a consultation call 352-251-1015 or visit www.mycampbellandco.com! Follow us on social media: Facebook | YouTube | X | InstagramSee omnystudio.com/listener for privacy information.

Searching for clear context around retirement planning, investing decisions, and household finance questions? In this episode of the Money Matters Podcast, Wes Moss and Christa DiBiase walk through commonly discussed financial planning scenarios using an educational, long-term framework grounded in real listener questions. • Examine how mortgage payoff considerations are often weighed against investing after-tax dollars in taxable brokerage accounts. • Explain how 401(k) providers typically track traditional and Roth contributions and why contribution records can matter over time. • Compare UGMA, UTMA, and 529 accounts by outlining ownership rules, flexibility trade-offs, and financial-aid considerations. • Describe how fund expense ratios and asset-based fees are commonly reflected in investment performance reporting. • Outline frequently discussed approaches to working with fiduciary financial planners, including hourly services versus ongoing advisory relationships. • Discuss how portfolio risk and asset allocation are often evaluated as investors approach retirement. • Illustrate how dollar-cost averaging is commonly referenced when investing lump sums amid market uncertainty. • Review dividend reinvestment options by distinguishing between automatic reinvestment and manual cash allocation decisions. • Clarify spousal IRA contribution rules that are often cited when one spouse has limited or no earned income. Listen to this episode of the Money Matters Podcast for a practical, educational conversation about retirement planning and investment decision-making. Subscribe to the Money Matters Podcast to stay connected to ongoing discussions focused on clarity, context, and long-term financial thinking.

Today, we'll hear about: • A son who's concerned his father's retirement demands are unreasonable • A businessman wrestling with his decision to fire an employee • An athletic director considering a move that could cost him his staff • A business owner resistant to the growth of his company   Next Steps: •

Rush Hour Podcast — Afternoon Edition Candace Owens is back in the headlines after reacting to the French president's first lady, as French authorities arrest 11 citizens for alleged cyberbullying. What does this unprecedented move mean for free speech, and how could it impact the defamation case the French first couple has filed against Owens? We break down the international legal stakes and why this story is bigger than just one commentator. Plus, Venezuelan president Nicolás Maduro pleads not guilty in New York City to federal charges—what his appearance in U.S. court signals for international relations, sanctions, and accountability. And Senator Mark Kelly, American hero and astronaut, fires back after the Secretary of Defense targets him and moves to dock his retirement pay. We explain why Kelly's response is resonating across party lines and what this means for civil-military norms and political retaliation. Fast, furious, and unfiltered—this is Rush Hour. Sponsored by Gobymeds. Go to gobymeds dot com code rushhour for $50 off

For many people, retirement feels less like a reward and more like a financial cliff. In this episode, we break down seven key factors that lead to a more financially stable retirement. You'll learn how small, practical decisions can add up to lasting stability, no matter how markets or headlines behave. Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms. 

A special recording from Andy Panko for his Retirement Planning Education Podcast: We discuss how the financial industry is evolving, the common struggles of "super savers" in retirement, and the importance of aligning financial decisions with life goals, not just spreadsheets.  We talk about the role of Monte Carlo simulations, the importance of flexibility in financial plans, and the evolving role of advisors in a changing world. It's a conversation that encourages you to find joy and flexibility in your retirement journey. Resources: Andy's podcast: Retirement Planning Education 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  

Kenneth Gorfinkle is a clinical psychologist and owner of Common Sense Therapy, a private psychotherapy practice in Manhattan. His career transitioned from decades of work with medical patients in hospitals to a full-time private practice in 2016. As his own practice slowly winds down, he finds himself caring for many individuals at the late stages of their careers. Retirement has become an outmoded idea, now that there are myriad ways to stay engaged in meaningful work.In today's episode of Smashing the Plateau, you will learn how to navigate late-career transitions while maintaining your sense of identity, purpose, and self-worth beyond the paycheck.Ken and I discuss:The differences between mid-career job loss and late-career transitions [03:02]The advantages of gradually winding down versus stopping abruptly [04:36]How accumulated wisdom and experience add value in later career stages [06:04]Connecting your identity to your wisdom rather than your work [08:00]The fear and anxiety people face when approaching retirement [09:14]Strategies for finding meaning beyond work [11:34]How to address financial fears and planning [13:37]Ways to transition your business model as you wind down [18:51]The importance of community and intentional friendships [24:06]Learn more about Kenneth at www.commonsensetherapy.com__________________________________________________________About Smashing the PlateauSmashing the Plateau shares stories and strategies from corporate refugees: mid-career professionals who've left corporate life to build something of their own.Each episode features a candid conversation with someone who has walked this path or supports those who do. Guests offer real strategies to help you build a sustainable, fulfilling business on your terms, with practical insights on positioning, growth, marketing, decision-making, and mindset.Woven throughout are powerful reminders of how community can accelerate your success.__________________________________________________________Take the Next Step• Experience the power of community.Join a live guest session and connect with peers who understand the journey:https://smashingtheplateau.com/guest • Not ready to join live yet? Stay connected.Get practical strategies, stories, and invitations delivered to your inbox:https://smashingtheplateau.com/news

In this episode, Dr. Peter Kim challenges the idea that physicians want to retire early or walk away from medicine altogether. He explores why most doctors are really seeking more control over their time, not an end to their careers. If you want to scale back sustainably without losing your identity or sense of purpose, this episode offers a refreshing way to think about work, freedom, and designing a life that actually feels good to live. Tune in. Are you looking for a community to encourage you as you begin, or want to accelerate your business to the next level? Then join thousands of physicians who share the same journey of creating their ideal lives through multiple streams of income by joining us in our Facebook communities such as Passive Income Docs and Passive Income MD.

How well do you know your future self?How much do you like yout future self?The answer to these two questions has implications for how you plan and provide for that person.Today, we cover the work of Hal Hershfield and others about how well or poorly we identify with Future Us, and what it means for how short- or far-sighted we are in our decision-making.Become a supporter of this podcast: https://www.spreaker.com/podcast/the-history-of-being-human--5806452/support.

Are you graduating from the grind in 2026? You could go it alone and wing it. But here’s what one participant said about our small group coaching program: “It was fantastic! I got to work with other people and share ideas with others on what retirement could be. It gave me clarity and confidence.” New groups are starting on January 22 & 23. Let’s go. Learn more Join us “Challenged me to get out of the starting blocks and far down the path of really thinking about this next phase of my life in very different ways. I now feel like I have a solid road map.” “I wish I'd taken this program earlier.” _____________________________ What if everything you’ve planned for financially in retirement still leaves you feeling completely lost? Today’s guest knows this paradox intimately. Dan Haylett built his career as a financial planner, helping people achieve financial independence. But what he discovered shocked him: when money stops being the problem in retirement, and that’s when the real problems show up. Dan is a retirement transition specialist helping people navigate the psychological side of retirement that no financial plan can solve. He’s learned that people plan meticulously for financial independence but rarely prepare for psychological independence. The result? Three devastating losses hit early: loss of structure, loss of relevance, and loss of identity. In this conversation, Dan shares his framework for retirement well-being built on five human pillars that have nothing to do with your bank account. He challenges what you think you know about retirement as a “reward” and shows you why the most successful retirements aren’t built on bucket lists and endless travel, but on something far simpler and more profound. If you’ve ever wondered who you are when no one needs your output anymore, this episode will change how you see the next chapter of your life. Dan Haylett joins us from the UK. ______________________ Bio Dan Haylett, who's the author of The Retirement You Didn't See Coming: a guide to the human side of retirement nobody warns you about. Dan is a financial planner and head of growth for TFP Financial Planning based in the UK. Dan focuses on financial planning, retirement planning, and life planning for people 50+. He also hosts a podcast called Humans vs. Retirement on the behavioral aspects of retirement. Prior to joining TFP, Dan held a number of positions in asset management. ______________________ For More on Dan Haylett The Retirement You Didn't See Coming TFP Financial Planning Humans vs Retirement ______________________ Podcast Conversations You May Like How to Prepare Mentally for Life After Work – Joseph Maugeri Retiring: Creating a Life That Works for You – Teresa Amabile What Are The Keys To A Successful Retirement? Fritz Gilbert ______________________ 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 1.6 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. ___________________________ Wise Quotes On Structure in Retirement “So the biggest surprise for me is this. Money stops being the problem. And that’s when the real problems show up, right? So I think that’s kind of the biggest surprise for me. People expect relief. Instead, they probably feel quite disorientated. They’ve planned for financial independence, but not necessarily psychological independence. And so I think the three big shocks or surprises, I think, tend to hit quite early. You get this loss of structure. So there’s kind of no diary or no default rhythm. People get this loss of relevance. Nobody needs you at 9 a.m. anymore. And this loss of identity that job title that once explained you to the world has quietly disappeared. So I think that to me is probably the three big,money stops being the problem. And then the real problems of loss, particularly structure, relevance and identity, really start to take hold. I think one of the things that I really want to reframe when it comes to structure, structure doesn’t disappear in retirement. I think it just stops being imposed on us. For decades, work has  spoon-fed you your structure to a degree, right? Work gave us a reason to get up, a place to be, people to see, and problems to solve. And I think if you remove that overnight, your brain will just panic. And I think the mistake that people try to make, or sorry, the mistake people make is trying to recreate work this kind of same hours, same busyness, just without the meaning. And instead, what I encourage people to do is to build what I would describe as kind of light scaffolding, I suppose, something like that, not rigid schedules, just kind of what I would describe as anchors.” On Identity “The question is, who are you when no one needs your output? Let that breathe for a second. Who are you when no one needs your output? And then you start widening identity whilst you’re still working, right? Develop interests that don’t pay you. Spend time with people who don’t care what you do. And I think really importantly, notice what gives you energy outside of kind of performance and status. Because I do think if your entire sense of self is wrapped up in your role in your job, retirement will feel less like freedom and kind of more like redundancy, right? It’s that kind of instant, you’ve lost this thing and you didn’t want to lose it. So I do think it’s a massive challenge because it’s been, you know, our identity that we’ve had has given us so much, has given us status, has given us structure, it’s given us a sense of self-worth. It’s given us many things that provide us with joy and happiness. And, you know, for the first time, we’re free probably to explore with a really decent chunk of wisdom who we actually are as a person. I think the first question you ask is, what’s your name? Hopefully, if you want to kind of start building a bit of a rapport and bond with someone. And maybe the second question is, what do you do? And as we’ve just explored, you would typically answer that question with, I am a ___________. Or on a lot of occasions, someone still gives you a business card or now modern day, it’s like a QR code, right? That kind of gives you a little thing. But, if you give a business card and on that business card, it will have your name. And underneath your name, it will have your job title. It’s kind of, here you are. This is what I do. This is who I am. And my challenge I do to people, I say, well, if you didn’t have a business card, what would you give out or what would you say? And actually, let’s create a business card. Let’s think about what your business card would say. And you can be creative, you can be funny, you can be jovial, you can be serious, you can be whatever you want. But what if your business card said free to explore or, you know, just make up something creative? I’ve got a client who on his business card wrote, trying to play the top 100 golf courses in England before I die, right? That kind of thing. It’s kind of like, that was one of his missions. And you can have multiple business cards, multiple things that you want. So it’s just trying to kind of frame this thing where I think people will, because what I do see, Joe, which I think is actually quite sad, is when people hang on to past identities.”

Mike & JD discuss Vince McMahons sham retiremet of 2022 and try to understand the TKO shareholder lawsuit. Then they discuss Wrestle Kingdom featuring Tanahashi's retirement match, Yota Tsuji finally winning the IWGP World Title, & a Washed Naito shows up in NOAH. Plus Free Ageny news regarding Matt Cardona, Tommaso Ciampa, EC3, and EVIL!For exlusive and premium content head to patreon.com/themikeandjdshowOur Sponsors:* Check out our sponsor BetterHelp at https://www.betterhelp.comAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

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A $10 million retirement is often imagined as the finish line — complete freedom, unlimited spending, and no financial stress. The reality is more complex.James walks through what an eight-figure retirement actually looks like by examining a real planning scenario for a couple entering retirement with roughly $10 million in assets. Rather than focusing on luxury or excess, the conversation centers on how income, taxes, investment structure, and lifestyle decisions evolve once work stops and the margin for error gets smaller. At this level of wealth, the biggest challenge isn't running out of money. It's deciding how to use it well. James explains why many high-net-worth retirees struggle to define spending, how withdrawal rates change over time, why required distributions and taxes quietly reshape cash flow, and how Social Security, charitable giving, and estate planning become critical pieces of the overall strategy. The episode highlights an often-overlooked truth: wealth doesn't eliminate complexity — it shifts it. Confidence in retirement comes from alignment and intentional planning, not from chasing the largest possible ending balance.This episode is for anyone approaching retirement with significant assets who wants a grounded, realistic perspective on what a $10 million retirement actually involves.-Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Strategy ⬇️ Get Started Here.Join the new Root Collective HERE!