Podcasts about 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.

In this episode of The Chicks on the Right Podcast, we sit down with Zach Abraham of Bulwark Capital Management to talk all things AI — from ChatGPT and Gemini to how AI is transforming finance, investing, and even healthcare. Zach shares how he's using AI to analyze stocks, research funds, and save hours of work, while discussing the limitations, risks, and security concerns that come with this rapidly evolving technology.We also dig into the big picture: should we embrace AI like the internet 25 years ago, or fear its potential? Tune in for a thought-provoking, funny, and practical conversation about the tools that are shaping our future — and how to use them to your advantage.Get back to basics with Bulwark's Know Your Risk Portfolio Review—don't put it off, go to https://KnowYourRiskPodcast.com today.Subscribe and stay tuned for new episodes every weekday!Follow us here for more daily clips, updates, and commentary:YoutubeFacebookInstagramTikTokXLocalsMore Info

As we head into a new year and set goals for our health, wealth, and happiness, there's one powerful factor that's often overlooked: social connection. In this episode, Jean Chatzky sits down with Ken Stern, longevity expert and author of the new book Healthy to 100: How Strong Social Ties Lead to Long Lives, to explore how the loneliness epidemic is quietly threatening both our health and our finances, and what we can do about it. Whether you're nearing retirement, navigating your second act, or just looking to improve your healthspan (not just lifespan!), this conversation is packed with practical tips on: How to build meaningful relationships without overspending Why third places (not home or work) are essential to healthy aging What other countries are doing right when it comes to retirement and lifelong learning How women, in particular, can fight isolation and plan for long, vibrant lives

In this Christmas Eve episode, Roger Whitney explores the basics of charitable giving as part of an intentional retirement plan, with a timely focus on year-end decisions. He explains how charitable deductions work, common planning mistakes to avoid, and why generosity is most effective when paired with a resilient financial plan. Roger also shares a Rocking Retirement in the Wild story from a listener who is actively living a purpose-filled retirement, reflects on the corporate language we can leave behind when we retire, and answers listener questions on retirement readiness, gifting inheritance early, and the risks of relying on high-yield bonds for retirement income. He closes the episode with personal reflections on lessons learned, reminding listeners how to keep retirement simple, resilient, and meaningful while making a positive impact on others.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) This show is dedicated to helping you not just survive retirement, but confidently lean in and rock it.(00:20) Roger introduces a Christmas Eve episode focused on charitable giving, listener stories, answering questions, and reflecting on intentional retirement living.RETIREMENT TOOLKIT(03:45) Roger walks through the basics of charitable giving, including qualified charities, documentation requirements, and how deductions work with standard versus itemized returns.(07:55) Year-end timing rules for checks, credit cards, stock transfers, and donor-advised funds.ROCKIN' RETIREMENT IN THE WILD(09:30) A listener shares how, at 67, he backpacked 121 miles through Maine's 100-Mile Wilderness, reconnecting with longtime friends and staying physically engaged in retirement.(12:28) Roger reflects on why rocking retirement doesn't have to be impressive—only meaningful to the person living it.RETIREMENT LIFE LAB(13:03) Roger explores the idea of “retiring” corporate jargon in retirement and how simplifying language can help us reconnect and speak more human again.(18:21) Listeners are invited to share the words and phrases they are most looking forward to leaving behind.LISTENER QUESTIONS(19:50) Don asks why most people enter retirement with relatively little savings and what that reality means for financial and social stability.(29:25) A listener asks how to give inheritance before death without triggering taxes.(33:46) James asks whether using high-yield corporate bonds as the foundation for retirement income is a safe strategy.SMART SPRINT(42:08) In the next seven days, Roger challenges listeners to choose a single word for 2026 to serve as a guiding focus for the year ahead.CLOSING THOUGHTS(43:59) Roger shares final reflections on the lessons of the episode, emphasizing elegant simplicity, financial resilience, and showing up to help others in meaningful ways.REFERENCESSubmit a Question for RogerSign up for The NoodleThe Retirement Answer Man

If you're paying attention, you know that Americans have struggled for years to save for retirement. Now, the worst retirement crisis in history is here, and it's no longer just about money. On this episode of Investing in Real Estate, we're going to unpack the systemic issues that have led us to this point, and how you can create a better future for yourself.  We're going to talk about the future of Social Security and the problems with popular retirement accounts. You're also going to hear the latest statistics on the state of retirement across the country, real solutions for everyday Americans, and the importance of generating income into your retirement years. 

What if you could reach a point where your investments were doing the heavy lifting and you could finally slow down without falling behind? Would you keep pushing forward, or would you take the exit and design a life that fits right now? In today's episode, Anders Skagerberg shares how he and his wife reached Coast FIRE in their early thirties and made the intentional decision to downshift. Instead of continuing to save aggressively, they chose to prioritize time, flexibility, and family while letting compound growth work in the background. Anders explains what Coast FIRE really looks like in real life and how it gave his family options instead of pressure. This episode is part of our Best of MKM series and was originally recorded in 2023. A short clip from this conversation took off on YouTube, so we decided to bring you the full story. Anders breaks down his Coast FIRE numbers, the accounts he uses, how he and his wife communicate about money, and why taking the Coast FIRE exit does not have to be permanent. If you are Coast FIRE curious or wondering whether you can have both freedom today and security tomorrow, this conversation will help you think differently about what is possible. CHAPTERS

Christian thought he was ready for retirement. He just didn't realize how heavy the weight had been until he finally set it down.After more than 30 years in a high-stress, always-on role at a global chemical company, Christian retired and discovered something he didn't expect: the stress didn't disappear all at once. It slowly melted away, like taking off a 30-pound jacket he didn't even realize he'd been wearing. In this episode of Retirement Reality, Christian shares what the first 18 months of retirement have really felt like, both different and deeply liberating. He opens up about realizing work had become optional years before he actually left, navigating the mental shift from “always on” to fully unplugged, and why retirement gave him permission to finally live healthier and slower.But the heart of this conversation isn't spreadsheets or withdrawal strategies. It's about priorities. Christian reflects on watching his father delay retirement, losing his mother too soon, and making a conscious decision not to repeat that pattern. For him, retirement became less about maximizing wealth and more about maximizing time with his wife — cooking together, spending unstructured days side by side, and building a life rooted in presence instead of pressure.If you're financially prepared but emotionally unsure, Christian's story offers a steady, honest look at what actually happens after you step away, and why the freedom on the other side often feels lighter than you imagined.-Christian is not a client of Root Financial Partners, LLC and received no compensation for participating in this video. His statements reflect his own opinions and experience and are not indicative of any specific client's experience and are not a guarantee of results. No cash or non-cash compensation was provided, and no material conflicts are known.Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Strategy ⬇️ Get Started Here.Join the new Root Collective HERE!

Chris's SummaryJim and I are joined by Steve Sansone as we discuss cash balance plans and explain how they function as hybrid defined benefit plans that present as account-based arrangements. We cover who these plans are designed for, including high-income business owners and professional groups, how age and employee demographics affect feasibility, and why allowable contribution levels can far exceed defined contribution limits. We also outline nondiscrimination rules and how they are applied, employer commitment requirements, and other general setup considerations. Jim's “Pithy” SummaryChris and I are joined by Steve Sansone as we take a deeper dive into cash balance plans and why they show up in very specific situations, not as a one-size-fits-all solution. Steve explains how these plans sit in the defined benefit world but look like a defined contribution account, which is where a lot of confusion starts. We spend time on who they're actually built for, why high-income professionals tend to be the ones asking about them, and why the contribution numbers can look startling if you haven't seen the mechanics before. We also talk through the tradeoffs, because these plans are not free money and they are not magic. Steve walks through how demographics drive everything, why age gaps between owners and employees matter, and how employer contributions to staff are part of the deal. We discuss why, in the wrong situation, these plans can pour fuel on the fire of a future tax problem, and why, in the right situation, they can make sense when paired with intentional planning during the retirement tax planning window before required minimum distributions begin. We frame that discussion around the same planning lens we use elsewhere on the show, including how the 2-1-0 Tax Ordering Number concept helps evaluate whether the front-end tax benefit is worth the back-end complexity. The post Cash Balance Plans Explained: EDU #2552 appeared first on The Retirement and IRA Show.

After several “Good Morning” greetings and music found by Ye Olde Stinkpot, the Fat One returns with a recap of his day in Fat Acres which included a visit from Alex Lefevre, recording the LFC, a haircut and more. He also takes a voiceletter and reads A Visit From St. Nicholas. Happy National Eggnog Day.

That stigma around parents in youth sports? It's an unfortunate part of the culture, but Coach Ilya Podolskiy is taking a different approach and bringing families into the process. In this episode, you'll hear how he turns parents into allies and creates a culture where kids build resilience while still having fun. Our conversation highlights how important families are to an athlete's development, the impact sports and mentorship can have in a child's life, and what makes a truly great coach. Topics discussed: Introduction (00:00) Why progress is a constant driver in Ilya's life (01:40) Overcoming childhood bullying through martial arts (05:34) How he discovered hockey and became a coach (08:57) The importance of being a mentor, not just a coach (14:36) How he juggles full-time work, coaching, and family life (19:59) The Podolskiy Method: why parents need to be involved in youth sports (23:48) Two things that keep families and kids coming back to the game (26:29) Giving back through Hockey Helps 24-Hour Marathon (28:10) What brought you JOY today? (31:13) 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 Ilya Podolskiy: Sharp Skate NY Instagram: http://instagram.com/SharpSkateNY/ Ilya's Facebook: https://www.facebook.com/ilya.podolskiy.5 Sharp Skate NY's Facebook: https://www.facebook.com/Sharpskate YouTube: https://www.youtube.com/@thepodolskiymethod-parenti9182 LinkedIn: https://www.linkedin.com/in/ilya-podolskiy-cpa-89b2b71a Website: https://thepodolskiymethod.squarespace.com/ Podcast: https://www.buzzsprout.com/1759705 About Our Guest: Ilya Podolskiy is a USA Hockey Level 5 Master Coach and Coach Developer, as well as the Lead Hockey Instructor for the New York Junior Rangers. With years of experience coaching travel youth hockey at multiple ages and levels, he has built a reputation for developing athletes and guiding families through the youth sports journey. He is also the creator and host of The Podolskiy Method Podcast, where he shares insights on parenting athletes and the role of education in sports. Beyond hockey, Ilya holds a black belt in Taekwondo, where he previously taught martial arts, blending discipline and character into his coaching approach.  In addition, Ilya wrestled in high school and collegiate levels and continued to study various Martial art disciplines like Muay Thai, KickBoxing, and Karate, amongst others. Professionally, he is a CPA and earned his Master's degree from Villanova School of Law, combining analytical precision with a passion for teaching and mentorship. Currently, Ilya is seeking new keynote speaking opportunities to share his coaching philosophy, leadership lessons, and personal experiences with broader audiences. 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

In this episode, Dr. Resa E. Lewiss speaks with Jillian Johnsrud, author of Retire Often and mini-retirement coach, about taking intentional career breaks to combat burnout and realign with what matters most. Jillian defines mini-retirements as breaks of a month or longer where professionals step away from their primary career to focus on recovery, adventure, or family time. She works primarily with high-achieving professionals who have over-indexed on career advancement while under-indexing on lifestyle and wellbeing. The conversation explores the unique challenges facing healthcare professionals, including a dangerous cultural narrative instilled during medical training that physicians must suffer, lack agency, and simply endure. This programming makes it extraordinarily difficult for doctors to prioritize their own health and take necessary breaks. Website: https://retireoften.com/ Book Purchasing Link: https://lnk.to/retireoften Free Opt-In Worksheets:Planning: https://retireoften.com/mini/ Negotiating: https://retireoften.com/onemonth/ If you enjoy the show, please leave a ⭐⭐⭐⭐⭐ rating on Apple or a

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

#ThisMorning | While #Winding Down from the #Holidays, Many Wind Up In #Divorce | Alex Jacobson, Jacobson Mediation Group | #Tunein: broadcastretirementnetwork.com #Aging, #Finance, #Lifestyle, #Privacy, #Retirement, #Wellness

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:​⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠​⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join 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.”

12-22-25 STEEL NEWS MMTLP The Stock That Was Never Supposed to Trade. Regulators Chose Brokers Over InvestorsFEATURING: The MMTLP community and the Agency Regulators that colluded to leave them with nothing.https://x.com/annvandersteel/status/2002892951899537804?s=20SHOW DESCRIPTIONMMTLP was never supposed to trade.Yet 65,000 investors—including over 200 military veterans—were allowed to buy it… then stripped of the right to sell.In this investigation and video short, Ann Vandersteel exposes how a dividend created during a corporate merger was turned into a tradable ticker, frozen by a sudden U3 halt, and quietly erased—locking families into financial ruin while regulators protected Wall Street.This wasn't a glitch.It was a decision.Behind closed doors, broker-dealer interests, a so-called “independent” regulator, and federal oversight failures converged—leaving everyday Americans trapped in a market that no longer played by its own rules.Retirements were wiped out.Businesses collapsed.Families were destroyed.And to this day, no one has been held accountable.The MMTLP story is not over.This is Steel News where truth survives pressure.Follow: ANN VANDERSTEEL https://AnnVandersteel.comSPONSORS:https://AmericanMadeFoundation.orghttps://AmericanMadeAction.orgHEALTHY FOOD & BEAUTYSUPERFOODS https://VandersteelHealth.comReady to save big on your superfoods purchase? Made in America, non GMO superfoods for your whole family and pets.SLEEP & MORE with My Pillow!https://MyPillow.com PROMO CODE “AV”C60 EVO HEALTH AND BEAUTY SECREThttps://www.c60evo.com/annvandersteel/ PROMO CODE “EVAV” 10% for radiant energy & mental focus, increased flexibility, immunity & longevity for people & petsRICHARDSON NUTRITIONAL STORE – laetrille / apricot seeds for healthhttps://RNCStore.com PROMO CODE “AV”RNC promotes wellness and healthy living through the use of safe and effective dietary supplements that support the body's natural healing processes.YOU TUBE https://www.youtube.com/@RealAnnVandersteelYOU TUBE https://www.youtube.com/@Ann-VandersteelRUMBLE https://rumble.com/c/SteelNewsRUMBLE https://rumble.com/c/AnnVandersteelGETTR https://gettr.com/user/annvandersteelFACEBOOK https://www.facebook.com/RightNowAnn/FACEBOOK https://www.facebook.com/ann.vandersteelTWITCH TV https://www.twitch.tv/annvandersteelTWITTER https://x.com/annvandersteelPlease consider supporting Operation Burning Edgehttps://givesendgo.com/burningedgeThis effort lead to the exposure of weaponized mass migration into the illegal migrants ravaging AmericaMAIL:Ann Vandersteel℅ P.O. BOX 386Palm City, Florida [34991]FOLLOW & SUBSCRIBE:https://AnnVandersteel.Substack.comhttps://x.com/annvandersteelhttps://truthsocial.com/@annvandersteelhttps://gettr.com/i/annvandersteelhttps://t.me/AnnVandersteelTruthhttps://annvandersteel.locals.comhttps://app.clouthub.com/#/users/u/AnnVandersteel/postshttps://gab.com/AnnVandersteelhttps://facebook.com/annvandersteelhttps://www.linkedin.com/in/ann-vandersteel-312310260/FAIR USE NOTICE These pages may contain copyrighted material the use of which has not been specifically authorized by the copyright owner. In accordance with Title 17 U.S.C. Section 107, such material has been referenced to advance understanding of political, human rights, ecological, economic, scientific, moral, ethical, and social justice issues. This constitutes a "fair use" of any such material as provided for in section 107 of the US Copyright Law.

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 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.

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.

#ThisMorning | #PrivateEquity Must #Invest ‘#DryPowder' or #Risk an #Investor #Exodus | Kade Thomas, Emory Oak Partners | #Tunein: broadcastretirementnetwork.com #Aging, #Finance, #Lifestyle, #Privacy, #Retirement, #wellness

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.

Episode Description What happens when the career that once defined you no longer fits—or ends entirely? In this episode of the BOSS Business of Surgery Series, host Dr. Amy Vertrees sits down with Elizabeth Parsons, former Wall Street lawyer and author of Encore: A High Achiever's Guide to Thriving in Retirement. Elizabeth shares her deeply personal journey of leaving a prestigious legal career at age 35, only to discover that financial security alone was not enough to replace the identity, structure, and purpose her work had provided. Together, Amy and Elizabeth explore why high-achieving professionals—especially those in service fields like medicine and law—often struggle with retirement or major career transitions. Elizabeth introduces the concept of “identity bridging” and explains why retirement isn't just a financial decision, but a psychological and emotional one. This conversation challenges the idea of retirement as an “ending” and reframes it as a new graduation—an opportunity to intentionally design a next chapter filled with meaning, agency, and fulfillment. If you're a surgeon or professional thinking about retirement, scaling back, or simply wondering “what's next?”, this episode offers powerful insights and practical guidance. What You'll Learn Why high achievers excel as “reactors” but struggle to become “creators” of their own lives The concept of identity bridging and why retirement disrupts more than just your schedule The three motivational pillars of identity: communion, agency, and cohesion Why staying too long can diminish a career—and why “leaving on top” matters How to develop new internal metrics for success beyond professional recognition Why retirement planning should begin at least two years before your exit How to experiment with new interests without needing immediate competence or validation Why succession planning is emotionally harder than most professionals expect Timestamps / Chapters 00:00:02 – Elizabeth Parsons' journey from Wall Street lawyer to retirement transition expert 00:04:21 – From problem-solver to life designer: reactor vs. creator 00:06:06 – Identity bridging and the three motivational properties 00:08:31 – Common pitfalls: why career-adjacent options often fall flat 00:11:11 – Creating new metrics for success without external applause 00:13:46 – Finding your “second curve” and rediscovering dormant interests 00:18:25 – Life restructuring after work: avoiding “365 Saturdays” 00:21:39 – Knowing when it's time to retire—and why leaving on top matters 00:24:53 – Succession planning and the emotional difficulty of handing over the reins 00:32:29 – Elizabeth's programs, intensives, and resources Action Items Begin thinking about retirement or major transitions at least two years in advance Identify how your current identity is tied to belonging, agency, and routine Create personal definitions of a “great day” that don't rely on professional validation Pay attention to persistent annoyance with work—it may be a signal, not a flaw Explore interests with curiosity and experimentation, not immediate mastery Resources & Links Encore: A High Achiever's Guide to Thriving in Retirement by Elizabeth Parsons Learn more about Elizabeth's programs: highachieverretirement.com Connect with Elizabeth on LinkedIn About the Guest Elizabeth Parsons is a former Wall Street lawyer and the founder of High Achiever Retirement. After leaving her legal career early, she experienced firsthand the identity loss that often follows high achievement. Today, she helps accomplished professionals navigate retirement and major career transitions with intention, clarity, and purpose.

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

#ThisMorning | Spending Less #Time in 2 Deep #Sleep Stages May Contribute to #Alzheimer's | Brienne Miner, MD, Yale Medical School | #Tunein: broadcastretirementnetwork.com #Aging, #Finance, #Lifestyle, #Privacy, #Retirement, #Wellness

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

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.

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

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