Podcasts about Retirement

If the title feels aggressive, good—I'm actually back, bitches, and I missed the living sh*t out of this. It's 2026, and we are officially done with the era where work equals suffering; the only sane option left is to turn your business into a masterpiece. In this episode, I'm pulling back the curtain on my radical healing journey, why I killed "Payday with Rayray" to launch Work of Art, and how you can survive the current "trust recession" by treating your brand like world-building. Buckle in, because I'm about to show you how to resurrect your inner artist and get paid for your creative genius before I peace out for motherhood (yep, there's a baby bump involved). Here's a glance at what you'll learn from me in this episode: The Rebrand: Why I shifted from "Payday" to "Work of Art" and why treating your business like an art project is the secret to longevity. The "Trust Recession": Why buyers are skeptical, why connection is the only currency that matters in 2026, and how to build it through a screen. World Building: How to view your personal brand like a fantasy novel (think Harry Potter) to create a community that people never want to leave. The Root System: Why most people fail at branding by focusing on the fruit (money/content) instead of the roots (who you intrinsically are). The Big Announcement: The details on my pregnancy, my upcoming RETIREMENT, and why this is your last chance to work with me. Timestamps: 00:00 - Introduction 00:53 - Aggressively returning to the podcast and the table flip of 2023. 03:42 - Why work can be your heaven or your hell, and choosing to make it art. 09:00 - Resurrecting your inner artist 14:50 - The irony of my financial success 18:24 - The Trust Recession: Why shortcuts are destroying influence and how connection saves it. 21:25 - Personal Branding as World Building: Creating a universe for your community. 23:50 - Creator Catalyst: The mastermind for the face of the business. 27:55 - The Plot Twist: I'm pregnant, expecting in May, and retiring (again). Links: Creator Catalyst: https://joincreatorcatalyst.com/ Instagram: https://www.instagram.com/rachelbell/ Work of Art Website: https://workofartpodcast.com/  

The Florida State football news cycle has had a quick start to February with the retirement of offensive coordinator Gus Malzahn. This episode of On The Bench includes a live reaction to the news (near the end of the episode), recaps Junior Day, and grades the Seminoles' transfer portal haul. You can subscribe to On The Bench, X's and Noles, and Beyond The Bench on Apple Podcasts, Google Podcasts and Spotify. As always, five-star reviews and comments on Apple Podcasts are appreciated! Also, you can watch the show on YouTube now. We'll do live streams as well, and you can get notifications on when we're live by subscribing to our YouTube channel. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Today we're going to chat about retirement—but not the usual way. This isn't about spreadsheets or savings goals. It's about what you want retirement to feel like—and how the Law of Attraction can help you line up with that vision. Whether retirement's years away or you're already living it, we'll talk about getting clear on your ideal day, letting go of limiting beliefs, and staying aligned with joy, freedom, and purpose.  If you've ever wondered what comes next—this episode is for you. Check out this Clarity Class:  Let Circumstances Be — Here's How You Align Anyway. For all things Law of Attraction, visit Jennifer365.com.   Want more LoA goodness? Get my Vibe Notes for high-vibe tips between episodes.   I offer schedule-as-you-want coaching. Coaching with me is a great way to raise your vibration. Want to support the podcast?  Buy me a coffee.  ☕️ Looking for an episode about a particular topic?  Check out the LYL Index.    

David's story feels familiar to a lot of people in their late fifties and early sixties. After a long career in asset management, a role change and pandemic burnout became the nudge he didn't know he needed. At sixty, he finally decided to stop working not because he had to, but because he could.He describes retirement in one word: possibility. Time with friends, hikes during the week, early dinners without rushing, and yes, plenty of pickleball. The new rhythm isn't about adding more activities. It's about having choice. He's still curious, still learning, still pushing himself with new skills and fresh goals, just without the pressure to perform.David also talks about what made the decision easy and what made it hard. Leaving a good job wasn't simple. Letting go of structure took practice. But he found freedom in quiet mornings, long walks, and realizing he didn't need a title to feel fulfilled.The conversation turns to money, too. The reality of how decades of steady saving built flexibility, how modest spending supports a rich life, and how “enough” means something different now. He's planning thoughtfully for Social Security, Roth conversions, and even legacy for his daughters, while still reminding himself to enjoy the present.If you're in your fifties or sixties wondering what's next, this episode is for you. You'll hear how stepping away from work can open new space to live, learn, and move at your own pace. Sometimes the next chapter isn't about doing more. It's about finally breathing.Interested in a custom strategy to retire early? → https://www.rootfinancial.com/start-here/Get access to the same software I use in my videos and join the Early Retirement Academy here  → https://ari-taublieb.mykajabi.com/early-retirement-academyWant to be a guest on THIS show and help others by sharing your story? Complete this: https://vwo3759x8i7.typeform.com/to/gh00JmnZ--Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.

KB is BACK and kicks things off with some Eagles talk as the Birds hired Josh Grizzard as the team's new Passing Game Coordinator and the excitement KB now has for the Birds' offense. Then He discusses the Vic Fangio retirement scare and why it would be HORRIBLE if Fangio retired. Then he recaps his experience at the Unrivaled Women's Basketball Tour Showcase in Philly, why he's ALL IN on the product, and teases Underground Industries covering women's hoops?! Then he discusses Paul George's suspension, the Sixers 25th anniversary celebration, and the Phillies offseason seemingly being over... Follow & Subscribe to The House Show with Pat Pitts! linktr.ee/OfficialHouseShow Subscribe to From Broad Street with Love: broadstreetwithlove.substack.com/ Onboarding Form: forms.gle/mZYnkiQcGv1ZxBSg9 Voicemail Line: speakpipe.com/UndergroundSportsPhiladelphia Support Our Sponsors! The City of Vineland: Visit www.vinelandcity.org/ and stay connected with the community and learn about important announcements, programs, and services offered by the city! Vineland, New Jersey... Where It's Always Growing Season! '47 Brand Shop for your favorite sports fan and get FREE SHIPPING on ALL orders with '47 Brand! 47.sjv.io/e1Nyor Kenwood Beer Visit kenwoodbeer.com/#finder and see who has Kenwood Beer on tap in YOUR area and crack open an ice cold Kenwood Beer to celebrate the good times! (MUST be 21+ to do so and PLEASE drink responsibly.) Merch & Apparel: www.phiapparel.co/shop + Use Code "UNDERGROUND" for 10% off! Riverside Upgrade your podcasting quality today with Riverside! riverside.sjv.io/QjBBVM Biñho Get 10% off your next purchase with code BINHOBENNETT62 from our pals at Biñho! binhoboard.com?bg_ref=pDJkDdNO1y Follow Us! Twitter: twitter.com/UndergroundPHI Instagram: www.instagram.com/undergroundphi/ TikTok: tiktok.com/@undergroundphi KB: twitter.com/KBizzl311 Watch LIVE: YouTube: www.youtube.com/@UndergroundSportsPhiladelphia FB: facebook.com/UndergroundSportsPHI Twitch: twitch.tv/UndergroundsportsPHI Intro Music: Arkells "People's Champ" Outro Music: Arkells "People's Champ" #fyp #Eagles #FlyEaglesFly #GoBirds #Sixers #PaulGeorge #Unrivaled #Phillies #podcastcharts #download #review #subscribe #UndergroundIndustries

Andrew Rosen, CFP®, CEP, writes in a Kiplinger article how to walk through several common reasons people keep working — even as retirement comes into view. Rather than looking at money first, the author looks at motivation and breaks it into five broad categories: Category 1: I must keep working Category 2: I probably should keep working Category 3: I want to keep working Category 4: I'm afraid to retire Category 5: I don't know why I'm still working The author suggests borrowing from a concept by Artiste called "First Principles Thinking". Listen in for the answer. Also, our listener Maria asks about the timing of your first RMD (Required Minimum Distribution): "If we want to skip our 1st RMD and take two the following year, how does that work?" Resource: Article by Andrew Rosen, CFP® in Kiplinger's "Why Are You Still Working?" Connect with Benjamin Brandt Subscribe to the This Week in Retirement: http://thisweekinretirement.com Get the Retire-Ready Toolkit: http://retirementstartstodayradio.com Work with Benjamin: https://retirementstartstoday.com/start 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  

In this episode, Spencer Reese is joined by Paul, a recently medically retired National Guard officer, and Joel Petit, a military disability retirement attorney, to break down the medical retirement process, VA disability ratings, and how IDES really works. What We Cover Medical retirement vs. standard 20-year longevity retirement When medical retirement can make sense financially How the IDES (Integrated Disability Evaluation System) works Common misconceptions about VA disability and "100% ratings" The role of PEBLOs, medical boards, and appeals Financial impacts on retirement pay, VA compensation, and Tricare Why many service members are discouraged from pursuing medical retirement Key pitfalls, timelines, and why being proactive matters Advice for putting yourself and your family first during transition Who This Episode Is For Active duty, Guard, and Reserve members nearing separation or retirement Service members facing medical issues that impact continued service Anyone confused about VA disability, medical boards, or retirement options This episode pulls back the curtain on a complex system and gives practical, real-world insight into how to navigate medical retirement the right way.   Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 20,000 military servicemembers and military spouses have graduated from the 100% free course available at militarymoneymanual.com/umc3 In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, such as waived annual fees, on elite cards like The Platinum Card® from American Express and the Chase Sapphire Reserve® Card. https://militarymoneymanual.com/amex-platinum-military/ https://militarymoneymanual.com/chase-sapphire-reserve-military/ Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3 If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. Want to be confident with your TSP investing? Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE! If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.

Today's wrestling news, including...WWE Crowd Turns On Triple H AGAIN After Royal Rumble!Latest On AJ Styles' Retirement!Tommaso Ciampa Is The New AEW TNT Champion!Powerhouse Hobbs Debuts At Royal Rumble 2026?!ENJOY!Follow us on Twitter:@CulturedLeftPeg@WhatCultureWWE Hosted on Acast. See acast.com/privacy for more information.

Why do so many chiropractors assume retirement will “just work out” — and why are so many discovering too late that it won't? In this episode, Dr. Lauryn sits down with Dr. Abby Sirovica to have an honest, unfiltered conversation about real estate, wealth-building, and what it actually takes to create financial freedom beyond the clinic. This isn't about hustle for hustle's sake — it's about realizing what's possible when you stop playing small.Together, they break down why relying solely on a chiropractic practice is risky, how real estate can become a powerful exit strategy, and the mindset shifts required to build long-term wealth. From short-term rentals and tax strategy to leadership, leverage, and designing a life with real autonomy, this episode challenges the assumptions many providers make about money, retirement, and success — and offers a clearer path forward.Key TakeawaysWealth for chiropractors requires leverage beyond the clinic. Building real estate assets creates cash flow, tax advantages, and freedom that patient care alone rarely provides.Real estate is accessible — even without business ownership. Associates and W2 earners can use short-term rentals and smart strategies to offset income and build wealth.Mindset and action matter more than perfect timing. Wealth grows when chiropractors stop waiting for certainty and start making informed, strategic moves.About the GuestDr. Abby Sirovica is a chiropractor, entrepreneur, and real estate investor known for her bold, strategic approach to wealth-building. She is the founder of Grassroots Family Chiropractic (now Grassroots Collective), co-owner of a wellness café, and a leader in short-term rental investing. Alongside her fiancé, she coaches healthcare professionals through HBA Academy and hosts The Expansion Podcast, helping providers scale their businesses, income, and impact beyond traditional models.Book a strategy call for your clinic with Dr. AbbyFollow Dr. Abby on InstagramResources:Follow Dr. Lauryn: Instagram | X | LinkedIn | FacebookFollow She Slays on YouTubeSign up for the Weekly Slay newsletter!Mentioned in this episode:Go from surviving to thriving with Genesis Chiropractic Software. Learn more and get your special discount using the link below!Genesis Chiropractic SoftwareHolistic Marketing HubHolistic Marketing HubTo learn more about CLA and the INSiGHT scanner go to the link below and enter code SHESLAYS when prompted.CLALearn more about Sunlighten Saunas and get your She Slays

In this episode we answer emails from Sebastian, Mark, and James.  We discuss the purpose of treasury bond allocations, annuity cash flows, and where rentals fit, goofy accounting for taxes, a bridge to social security and answer questions about Testfolio and data sources.  And celebrate Catherine O'hara.And THEN we our go through our weekly and monthly portfolio reviews of the eight sample portfolios you can find at Portfolios | Risk Parity Radio.Additional Links:Father McKenna Center Donation Page:  Donate - Father McKenna CenterImmediate Annuities:  Immediate Annuities - Income Annuity Quote Calculator - ImmediateAnnuities.comPortfolio Charts Data Sources Page:  Data Sources – Portfolio ChartsBreathless Unedited AI-Bot SummaryMarkets threw a curveball this week: gold ripped, then slipped; small cap value popped; long bonds mostly yawned. We use the noise as a lesson in clarity—every asset in a risk parity mix has a job. Treasuries aren't for yield; they're for recession insurance and rebalancing power when stocks sag. Gold, managed futures, and value are there to diversify return drivers so you're not betting your future on a single story.We dig into a listener's Golden Ratio allocation with annuitized payouts and single-family rentals. The key is classification. Treat rentals as income if you're keeping them, or as a future lump sum if you plan to sell—but don't try to count both the cash flow and the equity for rebalancing. We also tackle the “can I replace treasuries with X?” question, and explain why the only valid substitute must reliably rise when recessions hit. If it won't go up when growth falls, it isn't doing the bond job.From there, we clean up two planning snags that trip up even seasoned DIY investors. First, the tax myth: don't “tax-adjust” asset values across accounts. Taxes are expenses, not asset haircuts. Optimize location, model annual tax liabilities, and keep the allocation true on the asset side. Second, Social Security modeling: the most practical move is to add it as an inflation-indexed future cash flow in a robust planner. If you need a present value for net worth, price a comparable inflation-adjusted deferred annuity instead of guessing with discount rates. For bridging years before benefits start, a TIPS ladder can unlock higher, earlier spending without warping your core portfolio.We wrap with a clear performance snapshot and withdrawals across eight sample portfolios, from the classic Golden Butterfly and Golden Ratio to levered experiments and a return-stacked build. The thread through it all is discipline: know each asset's purpose, keep cash intentional, rebalance when markets hand you spread, and let validated data—not hunches—drive decisions.Support the show

PWTorch columnist Greg Parks is joined by PWTorch.com contributor Kurt Cadet and PWTorch columnist Sean Radican for a match-by-match breakdown of the Royal Rumble. They talk about the winners of the Rumble matches and where they may be headed for WrestleMania, plus A.J. Styles's retirement - will it be from WWE or wrestling in general? They also take questions from the YouTube chat on various aspects of the PLE.Become a supporter of this podcast: https://www.spreaker.com/podcast/pwtorch-dailycast--3276210/support.

Lynn Katz is a retired school principal, curriculum writer, and educator who has reinvented herself as a fiction author in retirement. With a deep passion for storytelling, Lynn now writes both adult and middle-grade fiction, bringing her years of experience working with children and school systems into the heart of her stories.She lives in Connecticut with her husband and enjoys kayaking, hiking, and spending time with her grandchildren. Her writing touches on themes of family, emotional resilience, school systems, personal transformation, and the challenges and magic of growing up.Key Topics: Transitioning from leadership in education to creative writing The role of personal growth after retirement Navigating identity shifts when leaving a high-responsibility role Staying engaged with purpose and community through writing The unexpected parallels between running a school and writing a novel Giving yourself permission to try and fail at things

After saving for retirement for decades, you'll eventually get to a point when you realize you actually could soon retire. Robert Brokamp speaks with Fool contributor Dan Caplinger, both of whom are near retirement age, about how they're approaching the decision of when to call it a career.Also in this episode:-December saw the highest number of home contract cancellations in several years-Home prices declined in November, a slowdown from the heady post-pandemic days of skyrocketing prices-A Bankrate study found that 75% of homes on the market are unaffordable to the median-income American household-Our favorite retirement calculatorsHost: Robert BrokampGuest: Dan CaplingerEngineer: 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

January 30th, 2026 Follow us on Facebook, Instagram and X Listen to past episodes on The Ticket’s Website And follow The Ticket Top 10 on Apple, Spotify or Amazon MusicSee omnystudio.com/listener for privacy information.

Jim and Chris discuss listener emails on Social Security timing for HSA contributions, investing in a SPIA vs buffered ETFs, and using SEPP 72(t) income to manage ACA credits.(7:00) A listener describes delaying a Social Security filing to avoid Medicare Part A backdating that would have reduced prior-year HSA contributions, while still receiving full retroactive benefits.(28:00) Georgette asks what to do with money originally set aside for a condo purchase, weighing ETFs against buying a single premium immediate annuity (SPIA), given an existing fixed indexed annuity (FIA), and pension income that cover living expenses.(55:45) The guys address whether a SPIA purchased inside a rollover IRA can be used to satisfy SEPP 72(t) rules while keeping income low enough to preserve max ACA credits. The post Social Security, SPIAs, SEPP 72(t): Q&A #2605 appeared first on The Retirement and IRA Show.

Welcome back to another unforgettable episode of the Wise_N_Nerdy podcast, where hosts Charles and Joe once again blend fandom fun with real-life fatherhood wisdom. This week's adventure kicks off with the classic Question of the Week: If you could be a cartoon character for a week, who would you be? Joe dives headfirst into the world of anime by choosing Edward Elric from Fullmetal Alchemist, embracing alchemy, sacrifice, and epic character growth. Meanwhile, Charles goes full power fantasy by picking Sung Jin-woo from Solo Leveling, imagining a week of leveling up, shadow armies, and unstoppable strength. With the ceremonial roll of the dice setting the tone, the show jumps straight into “What Are You Nerding Out About?” Joe shares his recent reading marathon, revealing that since Christmas he powered through books 3–7 of the Dungeon Crawler Carl series by Matt Dinniman. He describes the experience as an intense and wildly entertaining ride, while strongly reminding listeners that this series is definitely not kid-friendly. Charles balances things out with some tasty real-world wins, nerding out over all-you-can-eat sushi and his surprise movie night watching Mercy starring Chris Pratt through AMC's Screen Unseen program. Next, the dice unleash everyone's favorite groan-worthy segment: Bad Dad Jokes. With jokes supplied by Devocite and one delivered by Joe about a woman who completes 40 weeks of bodybuilding, laughter and eye-rolls abound in classic Wise_N_Nerdy fashion. The fun then turns practical with the “How Do I…?” segment, where Charles and Joe open up about their personal experiences planning for retirement. From long-term thinking to balancing family needs and future goals, the conversation offers relatable insight for parents navigating adult responsibilities while still geeking out. Storytime arrives with “Daddy, Tell Me A Story,” and Charles delivers a gripping tale from his teenage years in the Civil Air Patrol, involving a surplus base and some questionable “souvenir collecting.” It's part nostalgia, part cautionary tale, and completely entertaining. Finally, the episode wraps up with a thoughtful Parliament of Papas discussion: At what age is it appropriate to let kids have social media accounts? Charles and Joe break down the pros, cons, safety concerns, and real-world parenting challenges that come with raising kids in a digital age. It's the perfect blend of humor, heart, and honest conversation that reminds listeners why they tune in every week to Find your FAMdom with this dynamic duo. Wise_N_Nerdy: Where Fatherhood Meets Fandom Learn more about your ad choices. Visit megaphone.fm/adchoices

993. Laura answers a listener's question about stopping retirement contributions to get out of debt faster.Find a transcript here. Have a money question? Send an email to money@quickanddirtytips.com or leave a voicemail at (302) 364-0308.Find Money Girl on Facebook and Twitter, or subscribe to the newsletter for more personal finance tips.Money Girl is a part of Quick and Dirty Tips.Links:https://www.quickanddirtytips.com/https://www.quickanddirtytips.com/money-girl-newsletterhttps://www.facebook.com/MoneyGirlQDT Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Today's wrestling news, including...MAJOR Doubts Cast Over AJ Styles' WWE Retirement!Why Ciampa Left WWE For AEW!Major Name Returning To WWEWildest Royal Rumble 2026 Surprise Yet?!ENJOY!Follow us on Twitter:@AdamWilbourn@AndyHMurray@WhatCultureWWE Hosted on Acast. See acast.com/privacy for more information.

America Out Loud PULSE with Dr. Clayton J. Baker – The GENIUS Act was already passed into law on July 18, 2025. Digitization of your cash is imminent. All payment stablecoins now fall under Federal Reserve oversight. The CLARITY ACT is even worse. It digitizes all assets. Food. Fuel. Stocks. Bonds. Retirement accounts. Property. Communist China is the model...

Did retirement get harder — or did it just change? A listener writes in with a question a lot of people are quietly asking: Is the kind of retirement our parents and grandparents had even possible anymore? They remember a time when retirement felt automatic — pensions, Social Security, paid-off homes, and far less anxiety about markets or running out of money. Today, even people doing “everything right” feel like retirement is something they have to constantly manage and second-guess. In this episode, Pete breaks down what actually changed, why retirement feels more fragile now, and what we're really chasing when we say we want “that kind of retirement.” This isn't a nostalgia tour or a lecture about saving more — it's a clear, honest look at how responsibility shifted from institutions to individuals, and what that means for modern households. If you've ever felt like you're behind despite being responsible — or wondered whether peace of mind is still attainable — this episode is for you. Because retirement didn't disappear. The system did.

In this episode, we ask: Why do people refuse to treat a dollar of income the same as a dollar of wealth? What is the weird glitch in human psychology? What does the latest research say? What about married couples? What does guaranteed income do to the retirement income puzzle? Why are many retirees living...

Hedge fund strategies are gaining renewed attention as market volatility rises and traditional stock and bond diversification becomes less reliable. With inflation uncertainty, shifting monetary policy, and growing macro instability, investors are reassessing how different sources of return and risk management show up across capital markets.In this episode of The Bid, host Oscar Pulido speaks with Mike Pyle, Deputy Head of BlackRock's Portfolio Management Group, about how hedge fund strategies work and why they are being re-examined in today's environment. Mike explains what defines hedge fund strategies, how their flexibility seeks to allow managers to express views more precisely, and why they can play different roles within portfolios depending on investor objectives.They explore common misconceptions around hedge fund strategies, including the idea that they are inherently high risk or designed solely to outperform equities. Mike outlines how these strategies span a wide range of risk profiles and can be used for diversification due to their potentially lower correlation to traditional assets. The conversation also examines why macro volatility since 2021 has created a more favorable backdrop for hedge fund strategies, and how their ability to either navigate or reduce macro exposure is shaping investor interest.Key moments in this episode:00:00 Introduction: Navigating Uncertainty in Today's Market03:57 Debunking Myths About Hedge Funds07:36 The Growing Interest in Hedge Funds Strategies12:18 Hedge Funds vs. Other Alternatives16:31 Evolution of the Hedge Fund Industry18:28 Key Takeaways for Investors19:41 Conclusion and Next UpKey insights include:• What hedge fund strategies are and how they differ from traditional investments• Why lower correlation, not market outperformance, is often the core objective• How higher volatility and macro uncertainty are reshaping portfolio construction• How hedge fund strategies compare with other alternatives like private markets and infrastructure• Why scale and multi-strategy platforms are changing the hedge fund landscapehedge fund strategies, capital markets, portfolio diversification, alternatives investing, market volatility, megaforcesThis content is for informational purposes only and is not an offer or a solicitation. Reliance upon information in this material is at the sole discretion of the listener. Reference to any company or investment strategy mentioned is for illustrative purposes only and not investment advice. In the UK and non-European Economic Area countries, this is authorized and regulated by the Financial Conduct Authority. In the European Economic Area, this is authorized and regulated by the Netherlands Authority for the Financial Markets. For full disclosures, visit blackrock.com/corporate/compliance/bid-disclosures.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Episode Summary In this episode of Business Coaching Secrets, Karl Bryan and Rode Dog dive into practical and mindset strategies for attracting high-end coaching clients, building a sustainable and "retirement-proof" coaching business, and the critical importance of identity in business success. Karl reflects on a recent lead generation event, offers a thoughtful breakdown of the viral Alex Hormozi and Tony Robbins interview, and participates in a rapid-fire "word association" game revealing his take on topics like retirement, high-end clients, and self-improvement. The conversation is packed with actionable advice and hard-hitting truths about coaching, growth, mindset, and professional identity. Key Topics Covered Lead Generation & Event Insights Karl recaps a high-performing coaches' lead generation event, where attendees shared actionable methods for generating 100 leads in 90 days. Emphasis on peer experience rather than polished, motivational keynoters—real coaches in the trenches showing their actual tactics. The Power of Identity & Mindset Karl stresses neuroscience-backed wisdom: "You can't change who you are until you change who you think you are." Developing lasting change starts with the stories you repeatedly tell yourself about your abilities as a coach/lead generator. Reflections on Hormozi & Tony Robbins' Interview Vulnerability as a growth tool: Hormozi's openness and willingness to go deep emotionally is highlighted as the real value of the interview. Contrasts top-down (Tony Robbins: mindset, action) vs. bottom-up (addressing trauma, granting yourself permission to pause) coaching approaches. Rapid-Fire Coaching Topics: Word Association Game Karl offers fast, punchy wisdom on topics including "Retirement" (build income, not just net worth), "High-End Clients" (serve by identity and strategic fit), and "Improvement" (compound 1% daily gains). Importance of adapting communication for different clients and recognizing that contentment comes from better problems, not escaping challenges. Notable Quotes "You can't change who you are until you change who you think you are." – Karl Bryan "It's $400 if you buy it, but it's worth $400,000 if you apply it." – Karl Bryan on the value of event insights. "You don't want to retire with net worth—retire with income. The best definition of wealthy: monthly passive income above monthly burn." "High-end clients buy on identity—lower-end buy on utility." "A winner never stops—the losers never start." Actionable Takeaways Focus on Identity Statements: Audit your inner "I am" beliefs. Are you the coach who easily lands clients, or one who struggles? Upgrade your self-story. Train, Don't Just Study: Success is built on 10,000 reps, not 10,000 hours. Put frameworks into daily, repeated action for skill mastery. Seek Better Problems, Not No Problems: Aim to graduate from cash-flow challenges to higher-level issues—staff, strategy, growth. Contentment equals having better business problems. Serve High-End Clients by Speaking to Identity: Market to multi-seven-figure business owners with messaging around identity and aspirational outcomes—less about utility, more about strategic value. Retirement = Income, Not Just Savings: Structure your business life to create recurring income, not just pile up net worth, so you can endure longer and avoid "running out the clock." Build Proof Before Sales Prowess: If confidence is lacking, rack up small wins (even pro bono) to fill your mental "trophy room" and solidify your coaching certainty. Allow Yourself to Pause: Permission to step back doesn't mean quitting—strategic pauses are sometimes necessary before returning to the fray. "Don't quit. Pause." Resources Mentioned - Profit Acceleration Software™ (by Karl Bryan): Featured as a live demo and core tool for coaching value delivery. - Focused.com: The community and daily email list for business coaches looking to grow and scale with Karl Bryan's systems. - Facebook Ad Campaigns: Discussion of a done-for-you ad system presented by "Tori" in the leads event. - The Hormozi & Tony Robbins Interview: A current-event case study on vulnerability and coaching methods—recommended viewing for deeper learning. If you enjoyed the episode, please subscribe, share with a fellow coach, and leave a review. See you next week on Business Coaching Secrets! Ready to elevate your coaching business? Don't wait! Listen to this episode now and make strides towards your goals. Visit Focused.com for more information on Profit Acceleration Software™ and join our community of thriving coaches. Get a demo at: https://go.focused.com/profit-acceleration

In today's Five Question Friday (FQF) video, we cover these questions: 1. How do you protect your portfolio as you near retirement?2. How does asset location work if you must draw from taxable accounts?3. Should you automatically reinvest dividends?4. How can I diversify away from the S&P 500?5. What is the safe withdrawal rate for a 20 year retirement?Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...

Markets may still enjoy short-term momentum, but long-term retirement planning must confront a different reality: elevated valuations, lower forward returns, and rising sequence-of-returns risk. Richard Rosso explains why retirees face a near-term tailwind in market returns—but potentially long-term secular stagnation that demands tighter portfolio guardrails. Drawing on research from Michael Kitces and Wade D. Pfau, we discuss why historically tested retirement income strategies matter more today than at any point in the last two decades. Rich breaks down: Why short-term market strength can be dangerous for new retirees How sequence-of-returns risk dominates the first 10–15 years of retirement Why portfolios need rules and guardrails, not static allocations How retirees over the last 3–5 years should consider “goal scooping” after strong market gains Why taxes still materially affect retirement income sustainability How to mentally and emotionally prepare for inevitable market volatility At RIA, we use valuation-based planning, forward-return assumptions, and behavioral coaching to help retirees avoid forced selling, manage withdrawals, and maintain confidence through changing market cycles. Retirement is not static—and neither is risk. This is about preparing before markets test your plan. 0:00 - INTRO 0:19 - Managing Retirement Income when Markets are Expensive 2:21 - Time Correction of Markets 3:59 - When Valuations Matter 5:52 - Being Prepared for Stagnation 15:04 - How to Battle Stagnation in Retirement 18:37 - Goal Scooping for Retirees 20:51 - Making Sure of Guaranteed Income 24:32 - Determining Personal Rate of Return Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/5MX3c-VM-n0?feature=share ------- Watch our previous show, "1-29-26 Market Risks Behind Powell's “Nonrestrictive” Stance," here: https://www.youtube.com/watch?v=1vX2vPQQp28 -------- The latest installment of our new feature, Before the Bell, "Markets Stall at 7,000: Breakout or Bull Trap?" is here: https://www.youtube.com/watch?v=meTHta-tC1o&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #RetirementIncome #MarketValuations #SequenceOfReturns #FinancialPlanning

Markets may still enjoy short-term momentum, but long-term retirement planning must confront a different reality: elevated valuations, lower forward returns, and rising sequence-of-returns risk. Richard Rosso explains why retirees face a near-term tailwind in market returns—but potentially long-term secular stagnation that demands tighter portfolio guardrails. Drawing on research from Michael Kitces and Wade D. Pfau, we discuss why historically tested retirement income strategies matter more today than at any point in the last two decades. Rich breaks down: Why short-term market strength can be dangerous for new retirees How sequence-of-returns risk dominates the first 10–15 years of retirement Why portfolios need rules and guardrails, not static allocations How retirees over the last 3–5 years should consider "goal scooping" after strong market gains Why taxes still materially affect retirement income sustainability How to mentally and emotionally prepare for inevitable market volatility At RIA, we use valuation-based planning, forward-return assumptions, and behavioral coaching to help retirees avoid forced selling, manage withdrawals, and maintain confidence through changing market cycles. Retirement is not static—and neither is risk. This is about preparing before markets test your plan. 0:00 - INTRO 0:19 - Managing Retirement Income when Markets are Expensive 2:21 - Time Correction of Markets 3:59 - When Valuations Matter 5:52 - Being Prepared for Stagnation 15:04 - How to Battle Stagnation in Retirement 18:37 - Goal Scooping for Retirees 20:51 - Making Sure of Guaranteed Income 24:32 - Determining Personal Rate of Return Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/5MX3c-VM-n0?feature=share ------- Watch our previous show, "1-29-26 Market Risks Behind Powell's "Nonrestrictive" Stance," here: https://www.youtube.com/watch?v=1vX2vPQQp28 -------- The latest installment of our new feature, Before the Bell, "Markets Stall at 7,000: Breakout or Bull Trap?" is here: https://www.youtube.com/watch?v=meTHta-tC1o&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #RetirementIncome #MarketValuations #SequenceOfReturns #FinancialPlanning

We're living in the most age-segregated society in history — and missing out on the complementary skills and talents people of all ages can bring to the table. Our guest today, Janet Oh, is the Senior Director of Innovation and programs at CoGenerate, where older and younger people join forces to solve problems, and co-create the future.Brought to you by NEXTVillageSF.orgNEXT Village SF is a neighborhood nonprofit providing services and support that empowers members to live independently. Contact them at (415) 888-2868

Get the FULL podcast on the BLEAV Network or Apple and Spotify! Instagram:@ryebreadandmustardpodcast X: @RandBPodcast Youtube: @ryebreadandmustardpodcast TikTok:@ryebreadandmustardpod Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Get the podcast on the BLEAV Network or Apple and Spotify! Instagram:@ryebreadandmustardpodcast X: @RandBPodcast Youtube: @ryebreadandmustardpodcast TikTok:@ryebreadandmustardpod Email: ryebreadandmustardpodcast.com Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

The  Moose on The Loose helps Canadians to invest with more conviction so they can enjoy their retirement. Today, I discuss how to deal with inflation at retirement. It's all about dividend growth investing! Subscribe to the best free dividend investing newsletter: https://thedividendguyblog.com/newsletter Get the 20 income products guide for retirees: https://retirementloop.ca/income/ Get your Investment roadmap: https://dividendstocksrock.com/roadmap

LISTEN and SUBSCRIBE on:Apple Podcasts: https://podcasts.apple.com/us/podcast/watchdog-on-wall-street-with-chris-markowski/id570687608 Spotify: https://open.spotify.com/show/2PtgPvJvqc2gkpGIkNMR5i WATCH and SUBSCRIBE on:https://www.youtube.com/@WatchdogOnWallstreet/featured  Big investment firms are suddenly realizing that people are living longer, healthier lives—and treating it like a breakthrough. A new Morgan Stanley paper frames increased longevity as a transformational economic force, arguing that 21st-century finance will shift from accumulation to decades-long retirement drawdowns. But this isn't new information, and the proposed solutions miss the point. Designing income models around 40-year retirement periods ignores how real people live, work, adapt, and evolve over time. Life doesn't unfold in neat phases, and treating retirement as a prolonged financial drought forces unrealistic saving, delayed living, and joyless tradeoffs. Longevity demands a whole-life approach, not marketing-driven theories and rigid planning models. It's financial preparation—not financial planning—that actually works.

Andy and Adam predict EVERYTHING ahead of WWE Royal Rumble 2026, including men's and women's Royal Rumble winners, AJ Styles vs. Gunther in a potential RETIREMENT match, Drew McIntyre vs. Sami Zayn for the World Heavyweight Championship, and more...ENJOY!Follow us on Twitter:@AdamWilbourn@AndyHMurray@WhatCultureWWE Hosted on Acast. See acast.com/privacy for more information.

What's next for Jesse Melamed?

Most real estate investors think their retirement is “handled” because they've got money sitting in a 401(k) or IRA.That's exactly what Carter believed……until his family lived through a nightmare that changed how he sees money forever.In 2008, his mom was just 18 months from retirement when nearly $1 million inside her retirement accounts disappeared during the crash.She'd done everything right. Worked. Saved. Trusted the system. Owned rental properties.And still, the plan collapsed, because the money was never really under her control.That's what sparked Carter's obsession with learning how investors can protect capital, reduce taxes, and stop outsourcing their future to Wall Street.If that story rattled you, the next step is simple…Take control of your retirement.That's exactly what the team at Unified Wealth helps real estate investors do, legally and strategically, with smarter structures, tax planning, and self-directed accounts.If you've got money sitting in an old IRA, 401(k), or TSP and you're not sure it's actually working for you, this is worth a serious look.CLICK HERE to book a free wealth consultation >>Catch you later!LINKS & RESOURCES1,000 FREE Seller LeadsGet your first 1,000 seller leads FREE from our partner BatchLeads and start closing deals immediately. CLICK HERE: http://leads.getbatch.co/mztQkMr7 Figure Flipping UndergroundIf you want to learn how to make money flipping and wholesaling houses without risking your life savings or "working weekends" forever... this book is for YOU. It'll take you from "complete beginner" to closing your first deal or even your next 10 deals without the bumps and bruises most people pick up along the way. If you've never flipped a house before, you'll find step-by-step instructions on everything you need to know to get started. If you're already flipping or wholesaling houses, you'll find fast-track secrets that will cut years off your learning curve and let you streamline your operations, maximize profit, do MORE deals, and work LESS. CLICK HERE: https://hubs.ly/Q01ggDSh0 7 Figure RunwayFollow a proven 5-step formula to create consistent monthly income flipping and wholesaling houses, then turn your active income into passive cash flow and create a life of freedom. 7 Figure Runway is an intensive, nothing-held-back mentoring group for real estate investors who want to build a "scalable" business and start "stacking" assets to build long-term wealth. Get off-market deal sourcing strategies that work, plus 100% purchase and renovation financing through our built-in funding partners, a community of active investors who will support and encourage you, weekly accountability sessions to keep you on track, 1-on-1 coaching, and more. CLICK HERE: https://hubs.ly/Q01ggDLL0 Connect with us on Facebook and Instagram: @7figureflipping Hosted on Acast. See acast.com/privacy for more information.

What makes an investment "good?" It seems like a straightforward question, but the answer is more subjective than most people realize.  Recently, my wife asked why I thought real estate was such a BAD investment when others she knows call it the BEST they've ever made.  Hearing it framed that way struck a different chord. And rather than quickly defending my position with data and facts, I found myself reconsidering the question entirely. In today's episode, I share how to evaluate investments in the real world, what separates good investments from bad ones, and why some popular metrics can mislead. If you've ever wondered why an investment looks great paper but doesn't feel right—or why others swear by strategies you'd never touch—this episode will give you a clearer framework for thinking about your own portfolio. ***

Darian Jenkins, Jen Beattie, and Jordan Angeli join you live for the latest edition of Attacking Third! There was BREAKING NEWS during the live show: USWNT legend Crystal Dunn announced her retirement. The crew reacts to the news as it breaks during the show. Also on the show, the crew previews the NWSL season for the NC Courage and Angel City FC! Plus, catch up on the latest transfer news... 00:00 - Attacking Third live 02:21 - NC Courage has a new coach 10:36 - Gotham sign Jordynn Dudley 15:34 - Spirit officially announces the signing of Claudia Martinez 17:30 - Breaking News: Crystal Dunn announces retirement 23:05 - Season Preview: NC Courage 33:10 - Season Preview: Angel City FC 45:31 - Champions Cup Preview Watch USWNT and NWSL games on P+" with a link to  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.paramountplus.com/home/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Attacking Third is available for free on the Audacy app as well as Apple Podcasts, Spotify,  Google Podcasts, Stitcher and wherever else you listen to podcasts. Follow the Attacking Third team on Twitter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@AttackingThird⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@LisaCarlin32⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@SandHerrera_⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@Darian_Jenks⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@CCupo⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Visit the Attacking Third YouTube channel: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/@wgolazo You can listen to Attacking Third on your smart speakers! Simply say "Alexa, play the latest episode of the Attacking Third podcast" or "Hey Google, play the latest episode of the Attacking Third podcast." For more soccer coverage from CBS Sports, visit https://www.cbssports.com/soccer/ To hear more from the CBS Sports Podcast Network, visit https://www.cbssports.com/podcasts/ To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

For many professionals, the traditional path of investing in 401(k)s and IRAs and waiting until their retirement date, while trading time for money, eventually raises a difficult question: Is there a better way?Today's guests discovered that by leveraging real estate and strategic relationships, they could build passive income while enjoying the perks of their 9-5 jobs and now teach others to do the same. Rather than chasing shortcuts, they focused on building a foundation that created options using hidden wealth hacks and money habits self-made millionaires use.Cory Jacobson and Ryan Bevilacqua are real estate investors, entrepreneurs, and hosts of the Wealth Juice Podcast. Through strategic partnerships and documenting their journey publicly, they've built a growing real estate portfolio while helping others take their first steps toward passive income and financial independence.Cory and Ryan unpacked the mindset shifts, relationship strategies, and long-term thinking that helped them move from early investments to scalable opportunities—while staying aligned with their purpose, lifestyle, and financial freedom goals.In this episode, you'll learn: ✅ Why financial freedom is less about early retirement and more about creating optionality.✅ How strategic partnerships, masterminds, and relationships accelerate growth faster than trying to do it on your own.✅ Why building in public creates leverage, credibility, and unexpected opportunities.Show Notes: LifestyleInvestor.com/275Tax 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.

See what gold and silver highs mean and how to plan retirement spending without the 80% rule. Is gold's record run a sign you should buy? Do you really need 80% of your income in retirement? Hosts Sean Pyles and Elizabeth Ayoola discuss retirement income rules of thumb to help you understand how to estimate what you might spend after you stop working. But first, senior news writer Anna Helhoski joins Sean and Elizabeth to break down the precious-metals rally with investing writer Sam Taube. They discuss why investors treat gold and silver as “safe havens,” how a weakening U.S. dollar and tariff-driven uncertainty can move prices, and what to consider if you're deciding between physical metals and gold ETFs. Then, James Bashall, COO and advisor for NerdWallet Wealth Partners, joins Sean and Elizabeth to discuss how to plan for retirement without blindly relying on the 80% rule. They discuss where the 80% benchmark came from, how other shortcuts like the 4% rule and the “rule of $1,000” can shape your thinking, and why running multiple spending scenarios (including a “spending smile”) can help you balance travel, inflation, and health care costs over time. Wondering how to buy gold? You have several options, including bullion, gold stocks, gold funds and gold futures. Learn more about the pros and cons of each: https://www.nerdwallet.com/investing/learn/how-to-buy-gold  If you want to learn more about working with a financial advisor, then visit NerdWallet Wealth Partners at nerdwalletwealthpartners.com/smart Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header In their conversation, the Nerds discuss: gold prices, silver prices, gold record high, investing in precious metals, gold vs silver, safe haven asset, hedge against inflation, hedge against a falling dollar, U.S. dollar decline, dollar index, portfolio diversification, gold ETF, best gold ETFs, physical gold, gold bullion, buying gold coins, storing gold safely, selling gold jewelry, central banks buying gold, geopolitical uncertainty investing, tariffs and markets, market volatility hedge, Goldman Sachs gold forecast, commodity investing, rebalancing portfolio, silver industrial demand, silver for electronics, AI chips silver demand, electric vehicle silver demand, retirement income replacement, 80% rule retirement, retirement spending, 4% rule, withdrawal rate, Monte Carlo retirement simulation, and retirement healthcare costs. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

Dave and Lefko have their weekly conversation with Jon Morosi to get his thoughts on who expects to see on Team USA’s lineup for the World Baseball Classic, where the Mariners stand in the hunt for Brendan Donovan, and his thoughts on the retirement of Mariners legend Rick Rizzs, they look at what the other NFL teams could learn from the Super Bowl LX bound Seahawks, and they hear how Brock Huard’s commitment to UW influenced Tom Brady’s college decision in Sweeping the Dial. 

Retirement isn't just a financial equation—it's an identity shift. In this recap, Lesley Logan and Brad Crowell reflect on the conversation with wealth advisor and researcher Gregg Lunceford, who challenges the traditional retirement model by focusing on identity, purpose, and emotional readiness. They explore why longer lifespans have reshaped retirement entirely and why high performers often struggle most when their job no longer defines them. Whether listeners are 25 or 65, this conversation reframes what freedom after work can truly look like. If you have any questions about this episode or want to get some of the resources we mentioned, head over to LesleyLogan.co/podcast https://lesleylogan.co/podcast/. If you have any comments or questions about the Be It pod shoot us a message at beit@lesleylogan.co mailto:beit@lesleylogan.co. And as always, if you're enjoying the show please share it with someone who you think would enjoy it as well. It is your continued support that will help us continue to help others. Thank you so much! Never miss another show by subscribing at LesleyLogan.co/subscribe https://lesleylogan.co/podcast/#follow-subscribe-free.In this episode you will learn about:How increased longevity has made traditional pension models obsolete.The reality of the 20-year life bonus after your career ends.Why high achievers struggle to uncover a non-work identity.How intentional communities support mental and emotional well-being.The importance of creating a shared retirement vision as a couple.Episode References/Links:Agency Mini - https://prfit.biz/miniContrology Pilates Conference in Poland - https://xxll.co/polandContrology Pilates Conference in Brussels - https://xxll.co/brusselsPOT in London - https://xxll.co/potSpring Training: How To Get Overhead - https://opc.me/eventsSubmit your wins or questions - https://beitpod.com/questionsThe Seeing Eye - https://seeingeye.orgMesirow Wealth Management - https://www.mesirow.comGregg Lunceford on LinkedIn - https://beitpod.com/greggluncefordExit From Work - https://a.co/d/fR25gH2 If you enjoyed this episode, make sure and give us a five star rating and leave us a review on iTunes, Podcast Addict, Podchaser or Castbox. https://lovethepodcast.com/BITYSIDEALS! DEALS! DEALS! DEALS! https://onlinepilatesclasses.com/memberships/perks/#equipmentCheck out all our Preferred Vendors & Special Deals from Clair Sparrow, Sensate, Lyfefuel BeeKeeper's Naturals, Sauna Space, HigherDose, AG1 and ToeSox https://onlinepilatesclasses.com/memberships/perks/#equipmentBe in the know with all the workshops at OPC https://workshops.onlinepilatesclasses.com/lp-workshop-waitlistBe It Till You See It Podcast Survey https://pod.lesleylogan.co/be-it-podcasts-surveyBe a part of Lesley's Pilates Mentorship https://lesleylogan.co/elevate/FREE Ditching Busy Webinar https://ditchingbusy.com/Resources:Watch the Be It Till You See It podcast on YouTube! https://www.youtube.com/channel/UCq08HES7xLMvVa3Fy5DR8-gLesley Logan website https://lesleylogan.co/Be It Till You See It Podcast https://lesleylogan.co/podcast/Online Pilates Classes by Lesley Logan https://onlinepilatesclasses.com/Online Pilates Classes by Lesley Logan on YouTube https://www.youtube.com/channel/UCjogqXLnfyhS5VlU4rdzlnQProfitable Pilates https://profitablepilates.com/about/Follow Us on Social Media:Instagram https://www.instagram.com/lesley.logan/The Be It Till You See It Podcast YouTube channel https://www.youtube.com/channel/UCq08HES7xLMvVa3Fy5DR8-gFacebook https://www.facebook.com/llogan.pilatesLinkedIn https://www.linkedin.com/in/lesley-logan/The OPC YouTube Channel https://www.youtube.com/@OnlinePilatesClasses Episode Transcript:Brad Crowell 0:01  He was talking about football players, and he was talking about people who have, you know, high performance people who make a shitload of money, and then they retire and they, he said, they burn through a lot of money trying to figure out who they are.Lesley Logan 0:17  Welcome to the Be It Till You See It podcast where we talk about taking messy action, knowing that perfect is boring. I'm Lesley Logan, Pilates instructor and fitness business coach. I've trained thousands of people around the world and the number one thing I see stopping people from achieving anything is self-doubt. My friends, action brings clarity and it's the antidote to fear. Each week, my guest will bring bold, executable, intrinsic and targeted steps that you can use to put yourself first and Be It Till You See It. It's a practice, not a perfect. Let's get started. Brad Crowell 1:01  Take it away. Lesley Logan 1:03  Welcome back to the Be It Till You See It interview recap where my co-host in life, Brad, and I are going to dig into the trailblazing, trail, trailblazing. Brad Crowell 1:12  Wanna try that again?Lesley Logan 1:16  Welcome back to the Be It Till You See It interview recap where my co-host in life, don't laugh at me. I don't want to start again. Brad Crowell 1:22  No. The Welcome back was perfect. It was amazing. Lesley Logan 1:25  Welcome back to the Be It Till You See It interview recap where my co-host in life, Brad, and I are going to dig into the trailblazing convo I have with Gregg Lunceford in our last episode. If you haven't yet listened to that interview, you fucked up. It's so good. Brad Crowell 1:41  It's a great interview. Lesley Logan 1:42  He's a great educator. He blew my mind.Brad Crowell 1:46  So inspirational. Lesley Logan 1:47  Yeah.Brad Crowell 1:48  You actually, literally said my internal dialog out loud to him towards the end of the interview, because you were like, yeah, after listening to you, I'm so excited for this next chapter of my life. And I was like me too. It was amazing.Lesley Logan 2:06  I know, I know, I, your parents need to listen to this stat. Brad Crowell 2:10  Yeah, he's a badass. Lesley Logan 2:11  So anyways, they won't even be out, and they're making decisions right now, maybe we have to get them an episode early. Okay, so you can come back and listen to it later. You can finish this and you can listen to that one, or I gotta finish the script. You can listen to this one, or you can listen to that one first, whichever you want to do. But just you gotta listen.Brad Crowell 2:28  You did not have to finish the script. You can just let it go. Lesley Logan 2:32  I could also just close the loop on that. Brad Crowell 2:35  That was the only loop that you know. Lesley Logan 2:37  Well, you know what, Sir. Brad Crowell 2:40  Today is January 29th.Lesley Logan 2:42  It's just after my birthday. You can still wish me a happy birthday. It's the anniversary to celebrate Seeing Eye Guide Dogs. So the Seeing Eye Guide Dog Anniversary is an appreciation for all the dogs who act as their owners' eyes and ears. The devotion and taught abilities of these particular canines keep them safe and enable them to operate as a fully functional persons. The day is meant to recognize a school that educates them. Seeing eye dogs go through extensive training to be able to, say, safely traverse the environment and all of its hazards for their person. That's why they're so worthy of this recognition. Okay, so I don't have a seeing eye dog. Obviously, we don't know anyone who in our life who has a seeing eye dog, but I have watched the dog who could tell a girl was about to have a seizure before she had it, and then opened the fridge and pulled out her medicine and gave it to her while she was having this like seizure. Brad Crowell 3:37  That's crazy. Lesley Logan 3:38  Crazy. And I have met people with dogs who can sense if they're about to have, like, an insulin situation, because they have some, like, a type of insulin diabetes where, like, it can change really drastically. I have definitely seen people with seeing eye dogs, and I'm so impressed. And so really, the rest of the days sucked. And this is the best one of all the choices. Brad Crowell 4:00  I like this one, though. Lesley Logan 4:01  I really like this one, because here's the deal. Brad Crowell 4:03  So the organization is actually called The Seeing Eye. Lesley Logan 4:06  Oh. Brad Crowell 4:07  Yeah. And I, I'm just realizing that as well. Lesley Logan 4:10  Okay, well, they got up, they didn't pay for the sponsorship, because they're doing great work out there for people who need it. Brad Crowell 4:14  It's a guide dog school. Lesley Logan 4:16  And I am just kind of obsessed with this. And so if this inspired you in any way you should go donate money to your local no kill animal shelter, because while those dogs won't be a seeing eye dog or a service dog, they certainly need your help. This is really or you could donate to your seeing eye dog school if they need the money like you never know. You might your life could change. You might need a dog that's a service animal. So I just was, you know, anything to help raise money and thoughts about, please don't buy a puppy. Go get go adopt an animal. They have puppies too. Brad Crowell 4:48  You know what is amazing. I'm reading about the school, and I think that my elementary school teacher went to the school, because when we were in school, she somehow lost her vision, and I remember she.Lesley Logan 5:07  You were taught by someone who couldn't see?Brad Crowell 5:10  No, when I was taught by her, she could. But then, like in a year or two later, when I was like, in fourth or fifth grade, we we found out that she lost her vision, and I remember her going to Braille school. And I'm pretty sure she went to seeing eye dog school. Lesley Logan 5:25  That's so cool. Brad Crowell 5:26  Because think about it, if you're like, you know, 5060, years old, and you've never worked with a dog before like that, how would you even know how?Lesley Logan 5:34  Yeah, no, you have to get trained. Okay? But now this opens up a whole thing. So then she couldn't do the thing that she loved to do. She couldn't teach anymore. Brad Crowell 5:41  I'm pretty sure she retired. Lesley Logan 5:43  Oh, that's such a. So wait, this sucks. If you're blind, what are your jobs? You could be a phone sex operator.Brad Crowell 5:52  Yes, you could be a phone sex operator. That's not what I was gonna go, but yeah, you could do that, but.Lesley Logan 5:56  But you can make a lot of money doing this. You could do you could be a 900 psychic.Brad Crowell 6:01  You could be a 900 psychic, or you could just talk on the phone, too.Lesley Logan 6:05  Yeah, yeah. With technology today, I think they probably have more options, but I just realized, like, that would suck, like, all of a sudden she can't teach anymore. What if she couldn't even retire?Brad Crowell 6:15  No, it's, it's very traumatic, you know? I mean, we have a close friend of ours whose husband was, he has a, like a degenerative disease that didn't strike until he was in his, you know, midlife.Lesley Logan 6:31  We do? Brad Crowell 6:32  We do. Lesley Logan 6:33  Oh, is it blind, is he going blind? Brad Crowell 6:35  No, but, but the idea of being able, of being an abled body and then all of a sudden, everything that was quote, unquote normal for you is no longer an option. And that scares, that scares me.Lesley Logan 6:49  Scares the hell out of me. But, okay, Dark tangent, dark comedy tangent. Okay, I think it was the French, it was a European commercial. Do you remember this thing? It came through at my Instagram, and this, like, got this woman and this guy, like, wake up on a couch. They like, had, you know, obviously had sex last night, and like, they woke on the couch, and he's like, no, I gotta go. She's like, you could stay. And then, like, he is, like, getting up, and he like, puts himself in his wheelchair. And then this guy opens up the door to the apartment, and he's like, what's going on here? And so clearly, the woman was cheating on her partner, and the whole thing was like, what, like, you know, just maybe think before you park in someone else's spot, or like using the bathroom, or like using the handicap parking and using the handicapped bathroom, and it I died laughing. I cried laughing because, like, what a great way to get people to go. Oh, I'm fucking using that restroom, or I've never parked in those spots because in LA, one of my girlfriends was just parked there to take a phone call and she got a ticket. Don't do it, guys, they don't care if you don't leave the car. Don't do it. It's for someone else. It is someone else's spot. But just made me laugh. I know this is all about seeing eye dogs, and I thought it was a great advertisement for not being a dickhead.Brad Crowell 8:08  Well, what a fun turn this took. Lesley Logan 8:10  Okay. Well, everyone, look, you, your life could change in an instant. So if there is a charity in your area that is helping people get service animals into the hands of people that need it, this is their I'm sponsoring an ad for them. Go give them some money. Give them some time. Brad Crowell 8:27  Participate. Lesley Logan 8:27  Yeah, you never know. Maybe you could become a really good trainer for one of these dogs. You don't know. You know, they people in prison are training some of these dogs so there's great work going out there. So everyone needs a hobby. This could be yours. Brad Crowell 8:39  I love it. Lesley Logan 8:40  All right, you guys, we are home. Brad Crowell 8:43  Yeah, we are, we are. Lesley Logan 8:44  I know where we are in the world. We are home. Brad Crowell 8:47  We are officially home. And last week was Lesley's birthday. Lesley Logan 8:52  Was fabulous. Brad Crowell 8:52  It was fabuloso.Lesley Logan 8:53  It was so fun. I think it's my new theme every year. I don't know. I'll probably change it next time. I'm an Aquarius, who knows, whatever. But it was great. 43 it's looking good, and we're getting ready for Agency Mini, which is next month. Lesley Logan 9:06  Yes, February. Agency Mini, in fact, it's a good chance it's on early bird right now, to be honest. Brad Crowell 9:11  Could be, could be, yeah. Lesley Logan 9:13  Yeah, possible. prfit.biz/mini is where you're gonna go. It's for Pilates instructors or studio owners who work for themselves or want to work for themselves.Brad Crowell 9:21  Yeah, that's profit without the O dot biz slash mini, prfit.biz/mini.Lesley Logan 9:26  And we are getting ready. Brad has never been to Poland. Brad Crowell 9:30  First time. Lesley Logan 9:31  And we have never been to Brussels. And we'll be with Karen Frischmann. And then we're gonna do a second honeymoon, because why not? And then we're going to be in London. So if you want to see us in Europe, it's the only time in 2026 we're going to be in Europe. xxll.co/poland gets you the Poland information xxll.co/brussels gets you Brussels information, and xxll.co/pot will take you to the London information and. Brad Crowell 10:00  Yeah, come hang out. It'd be so fun to meet in person. Lesley Logan 10:02  Oh my gosh. It'd be so fun. And as of right now, our 2027 calendar does not have anything in it, and it may stay that way. We don't know yet. I don't know. So if you want to see us in Europe, this is it.Brad Crowell 10:16  Sounds good to me. I was gonna say maybe Greece, but we're not sure.Lesley Logan 10:19  We're waiting. We're still at the moment of this recording, which is November of 2025 we think we have an invitation to Greece, and we're just waiting for the dates.Brad Crowell 10:30  We shall see. Anyway, in May, for all of those who aren't in Europe, join us virtually, we're going to do another spring training event with onlinepilatesclasses.com. If you were with us last year, two years ago, we did a summer, summer camp. Last year, we did a spring training we loved the spring training vibes, so we're doing that one again. We're going to do that event again, but the topic is going to be totally different. We're going to do how to get overhead. So it's going to include all of those kinds of exercises where you're upside down and, you know, breaking it down for you, making it feel a little more accessible and safe and all those kinds of things. To get on the wait list for that and get the more information as it as we start releasing it, go to opc.me/events, opc.me/events, and you'll be able to stay in the loop. Oh yeah. Brad Crowell 11:18  So today, we had a question, except we're going to change up our question. Normally, we, we get, we get tons and tons of questions. If they're a business question, we usually answer them in our coaching group, Agency. It's from Profitable Pilates, our coaching group, and but this time, what we thought we would do is just ask a few of the questions so you can kind of see if any of these are resonating with you, and see you know, like, how do we tackle, like, how is it that we support the studio owners and teachers that are inside of Agency? So for, for example, we have, we have a recent one that just got submitted. It said, hey, how much notice should I give that client give my clients about my rate increase?Lesley Logan 12:02  No more than 30 days. You can go as low as three days, but no more than 30 days. I've had Mini people do two weeks. It really kind of depends on, you know, if you're doing a $2 rate increase, you can do that next week. You know, it's not a big deal. Doing a $25 rate increase per session. You might want to give them 30 days notice. But we actually also have a course that tells you exactly how to raise those rates and how to actually how to give the people the notice you're going to give so you don't get you're going to have people who have no filter, and they don't realize what they're saying out loud to you can feel personal. It's not, but yeah, but yeah, that's what I would say.Brad Crowell 12:38  I mean. We've got a lot of different tools to support specifically, like, how much should you be raising rates and why? Why are we doing it this way, instead of it just being a random number out there. So if you're ever wondering, like, am I charging enough? That's why people join Agency, we get to dig into these questions with you. Kind of break down some numbers, think about it, logically, all that kind of stuff. Another question for you is, I'm thinking of changing my currently, I sell packages. I'm thinking to change to an auto renew subscription. So instead of selling a 10 pack, you get 10 classes a month or something. I'm assuming that's what it is. Lesley Logan 13:15  Yeah. I don't mind if it's a limited Okay. Brad Crowell 13:17  Yeah but how do I do this without being too wordy? How do I communicate the change to my clients?Lesley Logan 13:21  You're gonna have to have a contract. First and foremost, you, this is a auto renew, and the FCC, I believe, put some stuff in place recently. Look, it could have changed. Brad Crowell 13:32  They took it away. Lesley Logan 13:33  They might have taken it away. Brad Crowell 13:34  Click to click to cancel, or it's already it's already trashed. Yeah, they did. Lesley Logan 13:38  Fuck those people. Anyways, okay, so guess what? No one's fucking regulating. You can do what you want, but reviews still stand. And so if you would like to what I always believe is go back to your values. We have a course on your values. But I have, I have, if this was an office hours call, I could ask a couple of follow up questions about the person, because I have some reasons for not doing an auto renew. Meaning, if you are a solo teacher, I'm going to say no auto renew for you. What happens if you get sick? What about your vacations? There are ways to set packages up so they almost feel like an auto renew, but you actually don't owe people anything if you get sick or if you go on vacation, if you do an auto renew, you actually owe them whatever the contract states.Brad Crowell 14:16  Right, because, what if you're out of town for two weeks and they're like, well, I didn't get my 10 classes, what do we do then?Lesley Logan 14:21  And then they were out they were out of town the other two weeks. And then you also have to figure out with your scheduling tool, can it handle this? Can it handle this feature you want to change it to? If it does handle it, how easily is it to stop it and start it? Some people want to have 90-day contracts on these auto renews and then a 30-day notice. These are all things you have to talk about with a lawyer, but we can actually talk about that together in Agency, our office hours or coaching call to really make sure what's going to work best for you. And then, and then, if you are a studio with multiple teachers, what are the breaks you want to have? And then, why are you doing this? So the other question like, how do you communicate it? It kind of depends on what your values are and what the benefit are that you're trying to say, for example, if you're trying to say that our auto renew is great ease and consistency, plus our number one priority, which is community, then you would actually make it really easy for people to be on auto renew and really hard to be on a package, right? Because packages are more convenient for the person who owns a package, because they can decide when and if they want to use it and auto renew, they have to use it. And then what you need to understand about auto renews is it's another way of saying membership and once you have memberships, you have churn, and you will actually, you might be surprised how much churn you have with auto renews versus people with packages. Because I don't love to be on auto renews with places, because I travel so much, so I might not choose a place that forced me on auto renew or charges me more to be on a package. Now I might not be your client, so it doesn't matter. I don't want to scare you, but these are the things you have to think about. And where, in Agency, we actually coach you on it, because we don't do templates. What works for Brad's studio for auto renews is not going to work for Katie's or Georgia's, right? Like, we have to actually look at like, how many people are on the team? What is the goal of the studio? What are you what are the services under that? Because don't, don't get me started when I see I have to have a membership for mat and I have to have membership for a reformer, and I get mad about that.Brad Crowell 16:18  Now, that's too many options. People don't know what to do. Lesley Logan 16:20  And then they have to think about it. Brad Crowell 16:21  Well then, they just do nothing.Lesley Logan 16:22  Yeah, and so you just have to know, like, yes, it looks like that's how businesses are making money right now with all these auto renews. I'm telling you right now that bubble is popping. We are watching class-based studios lose clients who are middle class a lot faster than you think. And so there's reasons to explore what the options are. What's your purpose for running this change? Like, what? How is this easier for you? Do you think it's to have predictable income? What's in it for them? And then that's how we sell it to them? We have to sell it to them on how it's in it for them, they don't give a fuck about what's in it for you. I mean, they don't not give a fuck but they don't.Brad Crowell 16:57  You're right, like, really, that's not their concern, and it shouldn't be, right? No, so well anyway. So this is the kind of conversations that we get to have over at, in Agency, our fitness business coaching. So whether you're doing yoga or pilates or, I mean, we've had people in there who are we've had a chiropractor in there. We've had a doula in there. We've had bar boxing, whatever. So obviously the majority of our audience is Pilates. So that's primarily what we're discussing over there. But in the service-based industry, we we love doing this. We've been doing it for eight years now. So yeah, if you're interested in more information about that, just reach out to us or go to profitablepilates.com, and you can find out about the coaching over there, but. Lesley Logan 17:37  Join Mini. Do the Mini thing. Brad Crowell 17:38  Oh, join Agency Mini, yeah, go to prfit.biz/mini prfit.biz/mini.Lesley Logan 17:45  If you can sign up right now, it's $25 if it's on early bird, it's $65 if it's not, oh my God, for three days of coaching, change your life. Brad Crowell 17:52  Yeah. 100%. I love it. Well, thanks for joining us down that. If you have a question for the pod or question for Lesley or me, just text us, 310-905-5534, or submit a question at beitpod.com/questions and you can leave us both a win where we'll we'll probably weave that into our Fuck Yeah Friday episodes or you can submit a question, which we can do on our Thursdays. So stick around. We'll be right back. We're gonna dig into this amazing convo that Lesley had with Gregg Lunceford. Brad Crowell 18:21  Okay, let's talk about Gregg Lunceford. Gregg Lunceford spent more than three decades in financial services as a wealth advisor at Mesirow in Chicago. I'm sure I'm saying that wrong. He said it twice, and I was I wasn't sure. But anyway, alongside his advisory work, he's an academic researcher whose PhD studies at Case Western Reserve University, focused on the social, emotional and financial realities of today's retirement transition. And this was so interesting to me, y'all.Lesley Logan 18:50  Fascinating, fascinating. So.Brad Crowell 18:53  His curiosity about why even high, highly successful professionals hesitate to retire led him to explore how identity, purpose and well being shape this stage of our lives. And he's like part historian too, right? So he's also the author of Exit From Work, and he writes about his journey and insights into retirement. So, but I, I really enjoyed him breaking down just the different stages of our lives. And also, like, he's comparing generations. Lesley Logan 19:24  Oh, yeah. Brad Crowell 19:25  And like, how they got to where they are, and like, retirement package stuff that is not even an option for us. Lesley Logan 19:32  Let's just talk about, like, let's get more specific what the episode is about, just in case I haven't heard it. So we were talking about retirement attitude, in a sense, like in that, you know, the way my grandparents retired. I to this day, I'm shocked they retired. I didn't know they had money to retire. They didn't look like they saved anything, but like they're, you know, one, one side saved everything. It came out of the Depression. The other side could have been their children. So very different life. They're very young, and so they, like I, I have one set of grandparents who were retired when I was born, and I had another set of grandparents that worked the whole for a while when I was alive, right? And then they all had a pension, and then they just and then they just retired and got paid to be not working, right?Brad Crowell 20:18  What I think, what I think is amazing is Gregg's analysis, and I'm sure this is well documented now, but, but his analysis of life expectancy shot everything in the foot. Lesley Logan 20:30  Right. Brad Crowell 20:30  He said our grandparents' generation, and to some extent, maybe our parents' generation, the pension game, the reality is that people weren't living to be 70, 80, 90 years old. They were only living 60, 70, years and so if you're working until you're 55 and then they have to pay you out for a decade more before you're done, then. Lesley Logan 20:55  It's not that much money. Brad Crowell 20:55  Wasn't that big of a deal but when you're living till you're 80, all of a sudden the companies were like, this is a massive burden for us. We can't, we can't do this. And so then what? The retirement age got older, the pension packages started getting slimmer, all that kind of stuff. So like, when we look at our grandparents and they had just like, you said, how was it possible that they could even retire? It didn't make any sense.Lesley Logan 21:17  They always they had actually had money to give when they died. I was like, what? They had, they had money? So, so the thing that was really fun with Gregg is that, like he, you know, we got into this more deeply in the episode. It's worth listening to. But like during the 2008 recession, companies were trying to just fire everybody. And so they were trying to go, here's the money. All I do is take this amazing package, and people weren't doing it, and it's because it was emotional, like it wasn't just knowing the number, which is like, what the ads would say. It was like, who am I if I'm not doing this? And like, you know some, I worry about, like, like, your parents have worked, your dad's worked for a company for 40 something years. Brad Crowell 22:02  41 or 42 years, yeah. Lesley Logan 22:04  Well, you're 43. So, so and so he's gonna retire, right? And it's like, does he know what to do? Does he know what he's gonna do? Brad Crowell 22:13  It's so funny because, and also, he probably could have retired. No, no, he they could have, I think financially, they could have retired a while back. But again, I think you're right on the money. It's not, it's actually an identity, right. It's a it's the way that you see. It's how you define who you are.Lesley Logan 22:32  Well, and he's so, so, so Gregg, our genius that we interviewed, he said, you we now have a 20 year life bonus, where you get to define who and what you want to be, because you have your first 20 years getting 20-ish years getting educated. Then you have 20 something, well, Andrew advocates 40 something years that you're working, but then you probably have another 20 plus years to be anything you want. Brad Crowell 22:58  Yeah, because he was talking about the bucket list where people are, like, I'm old and decrepit, but I want to go see Niagara Falls, right? And basically, now today, because the quality of life is so much better, you're still active and able to do life normally, you know, well into your 70s and maybe even 80s, until you're willing to slow down so at that point. But like, so, so then your bucket list is a bit different, because, like, okay, you can probably travel, travel, travel, travel for five or 10 years. I mean, my grandparents did this. They bought a they bought an RV, yeah, and for a decade, they drove around the United States, for a decade, but they eventually got bored of it, and then they came home and they still lived for another 20 years, you know? So it's like, okay, so the bucket list thing, if that, if, if people aren't looking at the end of life as like, I gotta finally have a good time. Now, what Gregg is saying is, like, you could flip this on its head entirely.Lesley Logan 23:55  Yeah. Well, he, he emphasized that today's retirees have more personal freedom than previous generations. And you're probably like, Lesley, why are we talking about retiring? We're still going to be it until we see it. Because be it till you see it changes. It changes all the time. And also, if you are not considering what you want to do on the other side of whatever it is you're doing, I don't care how much you love it. I fucking love what I do, and I dream of exiting stage left all the time. And it's not because.Brad Crowell 24:19  She, this is what I hear around our house. I can't wait to be the person that people go who is she again and and she's like, something to do with Pilates, I don't know.Lesley Logan 24:31  Yeah, like, so there's a line in Notting Hill where Julia Roberts' character says, like, she, she says it in like, not a, not the nicest way about herself, but like, people are gonna look at her, like, as this person who was once famous for a while. And I see it as, like, a complete amazing thing where it's just like, someday it'll be like that, oh, that's that person who she was kind of known in her industry for a little bit, and it's like, yeah, she's not like, I like, I was once famous for a little bit in a small part of the world, and now I can move like, because why not? It doesn't mean I don't love what I do. And by the way, like, please don't freak out. No one freak out. Your memberships are fine. I'm not going anywhere. You got to tell people this, Brad, you got to make sure they know. We are currently creating two other things right now so no one I'm not going anywhere, but I do constantly think about I want to be able to retire when I have my faculties, to travel the world, to go to Antarctica, to do different things, I don't want to be in my 70s going, okay, now I'm hanging my hat up. No, I want to know who you and I are on the other side of working together like I there's these other things. And so I wanted to have Gregg on because when he told me what he did, I was like, fuck yeah. It doesn't matter how old you are listening to this, you can take some time to think about what is the freedom I want to have in this extra bonus of life I get. Your grandparents didn't get it. None of mine did. They all died young so. Brad Crowell 25:58  Yeah, the the I think it's, I think it's, I think it's just really interesting to look at the the shift of things, right? There's so many factors that that made the Baby Boomer, Boomer generation, like, pretty epic.Lesley Logan 26:12  Man, they don't know how good a ride they had. Brad Crowell 26:14  Yeah, and the wealth that they were able to build without, like, realizing it, and all that stuff has, that whole flow has shifted completely, you know, and so it's interesting, though, because life expectancy is longer, and I just, I just love that. So I think that really shifts into what I what I loved about he was talking about, he said something that I found intriguing. He was talking about football players, and he was talking about people who have high performance people, or make a shitload of money, and then they retire, and they, he said, they burn through a lot of money trying to figure out who they are.Lesley Logan 26:54  Yeah, this blew my mind too, because it's like, oh, hold on you. You have the money, but you don't know what you're gonna do with it yet.Brad Crowell 27:01  Well, or it's not. Lesley Logan 27:03  Or who you are with it. Brad Crowell 27:04  That's what I was gonna say. It's not even, it's not even what they're gonna do with it yet. It's they're trying to find themselves because they've been defining themselves.Lesley Logan 27:12  They weren't listening to this podcast. Every single person tells people to get to know who they are. Brad Crowell 27:16  Yeah, but they've been defining themselves by their job for 40 years. So then what happens when you're no longer able to define yourself? I know what this is like, because when I moved to Los Angeles, I was there to do music, and after two years, only two years of being there, so I'm like, 25 right? I am die hard into this band. We are doing everything and anything we can to make this band go and then the singer of the band is like, I'm going to grad school. And he quit. And he was like, my partner in this band. And I was like, what the hell man? Like, why did I come all the way out to Los Angeles to do this. What, to do what? What am I gonna do?Lesley Logan 27:55  Because you're gonna meet me. But that's okay. You didn't know that yet. Brad Crowell 27:58  No, I did not know that yet. It was down the road. So, so I was really I was depressed, I was angry, I was confused. I didn't really know how to I didn't know what I was going to go do. I still knew I wanted to do music, but I but what ended up happening was I really got into motorcycles, like really got into motorcycles, and that became kind of how I defined myself. It was how I I changed the way I dressed. I literally rode a motorcycle every day. I joined a motorcycle club. I would ride all over Southern California, you know. And so suddenly that became my identity. And it wasn't until I was networking and met some more people in music that I began to shift back into the music kind of things. But like, yeah, for sure, I can understand how people would be like, well, I used to be blah, blah, blah, whatever, and now I'm no longer so what am I?Lesley Logan 28:46  It's so easy to blow through money to figure out who you are. There's people who join Pilates training programs at 60 because they're like, oh, I think I want to do this, but it's like, eight grand, right? Well, what if you don't? Then people feel like, oh, I just wasted all that money. And then they do something they don't want to do with it, or, or they just keep trying out different things. And like, now they've got this now. They bought a kayak, then they bought the ski doo, and then they bought the boat, and they're trying to be retired first. And so, yeah, I think so, I think it's really easy because they don't know who they are. And that's Gregg's whole thing. They you have to know who you want to be.Brad Crowell 29:19  Yeah, he said many people who spent life meeting obligations are now suddenly confronted with, who do I actually want to be? Right? Who do I actually want to be? And he said, if you go into that blindly, you start chasing quick hits to replace the accolades of a job. You know, the team mentality, the psychological part of success, when you achieve a goal, you know, and basically it can feel very scattered. And he said, so what we should be doing is preparing what he calls a retirement identity. A retirement identity. And he said, instead of trying to figure it out when you get there, what if you started processing that now? And I thought, man, that's really interesting, because that's always been a question for me. You know, like, I asked your dad one time, what's it like to be retired? And he goes, I don't know. man, I've been retired since my 50s.Lesley Logan 30:16  Yeah. He's been retired for a long time. So, like, we're gonna live in Mexico and become tequila smallies. I've already figured this out. Brad Crowell 30:22  I love it. I love everything about that. I think that's brilliant, but, but also, he said there was other he said there was other options too. What did he call it the barista? Oh, no, no, that was the last week barista retired, where she was talking about, you know, getting a part time job. She called it barista retired. I think? Lesley Logan 30:41  Oh, I think so, but I. Brad Crowell 30:43  You know, like, and that's what your dad's doing now. And why is he doing that now? Because he doesn't want to sit around and watch a television all day. He wants to get up and be active. Lesley Logan 30:50  Yeah, there's, there's great. There's, he's a, he's a, he's a crossing guard now, he fucking loves that.Brad Crowell 30:57  Gregg was talking about, like he works with these clients who are looking towards retirement, and he helps them sculpt these packages, which are really clever, right? Because it shifts your focus of purpose in the job. If your job has been to manage a team of 50 people, now you might be training your replacement person for a year or two before you shift into part time. And you just do it, because you can do it from wherever you need to be and whatever. You know, lots of options.Lesley Logan 31:24  I am obsessed I'm obsessed with this whole thing because, like, everyone wants to know, like, how much money do you need to live off of? Like, that we even our lovely wealth people were like, how much money do you want to live off of when you retire? And we were like, we don't want to worry about money. That was our answer. Because I want to live in an Airstream sipping tequila. And, you know, coming back home here when the weather is good, and then, I don't know, we have a house in Cambodia, there's a I want to see the world. So we had that, but we no one was like, what is your retirement persona? Brad Crowell 31:54  Yeah, how do you, how do you imagine spending your time participating in the world, you know, as a retired person? Lesley Logan 32:02  I mean exactly. Brad Crowell 32:03  Is your goal to watch every movie in the last blockbuster? Maybe you shouldn't do that.Lesley Logan 32:09  We might have to talk about having different lives. Visit you. Brad Crowell 32:17  Actually, it's funny that you say that. He said, a lot of couples don't talk about this, and they see, I, you know, they see themselves retiring in different ways. It's not something that they've actually discussed. Interesting.Lesley Logan 32:28  Well, and you know what? Maybe I have to if there's an expert listening who does graduated marriages, I would love to have you on because that's what they're called. They're called graduated marriages, where you love the person you're married to. You don't want to cheat on them. You don't want to be married to someone else, but you would like to have some people just do a separate room. Some people have a separate house, like they live in a different place because they want to live over there. Clearly, that doesn't work for us, because I would get lost, but. Brad Crowell 32:57  Fascinating. Lesley Logan 32:58  It's fascinating, you know, like, I mean, you know, there's this one podcast I listened to, and she is been working. She still has her company. She's working. She works like a dog. She's got a really successful podcast, and she wants to travel with that podcast, and her current successful company is something that she can travel with, and her husband can't, and she's like, I love you, and you can visit me. I want to live for this many months in this state. I've never lived there. I want to live there. I want to feel what it's like. And so she got an apartment, and he is visiting her every other weekend. That's cool. And, you know what, maybe it spices things up. I'm not saying that, but that's the thing. But like, I do think that if you're in a relationship and you haven't thought about retirement together, may this be your assignment, you should contact Gregg and or.Brad Crowell 33:42  Or have a conversation with your partner. Lesley Logan 33:43  And if you're solo, yeah, yeah. And if you're solo, then if you haven't thought about this, you should, because otherwise you're just focusing on dollars. And that's where I think people get obsessed about what the stock market is doing, because you're not actually thinking of how it affects the person you want to be. And you get a little weird about it. And we have an episode with Wealth with Tess coming back on when it comes to, like, the stock and our numbers and all that stuff, and this uncertain time. But I just think that this is a way cooler.Brad Crowell 34:08  You're totally, you're totally right, because it does just become about like this, like, mad, mad. Like, focus on stashing cash, kind of the markets or whatever.Lesley Logan 34:18  Well, and there's much fear around that. And then it's like, but then who are you right? Like, I'm just obsessed. Brad Crowell 34:22  Exactly that doesn't actually address anything that Gregg is talking about here with your retirement identity. Lesley Logan 34:28  I can tell you right now.Brad Crowell 34:29  Your retirement identity is not a bank account number.Lesley Logan 34:31  He is the only person talking about this. I haven't heard anyone else talk about this. I haven't had anyone else to talk about this. And I am like, this is the stand still, like, number one retirement episode we'll ever have like I'm saying here today.Brad Crowell 34:43  Yeah, it's great. It's awesome. Well, love it. Stick around. We'll be right back. We're gonna dig into some Be It Action Items that we got from Gregg Lunceford. Brad Crowell 34:55  All right, so finally, welcome back. Let's talk about those Be It Action Items. What bold, executable, intrinsic or targeted action items can we take away from your conversation with Mr. Gregg Lunceford. Lesley Logan 35:07  You go first. Brad Crowell 35:10  All right. He said in the planning process of your ideal self, this retirement identity that we've been talking about, he said, what you also have to learn how to do is to replace kinship with friendships, kinship with friendships, which I think is kind of cool. He said today we don't have kinship the way we once did, because families are smaller and they are spread out, right? And also we're not necessarily going into the office to have. Lesley Logan 35:39  Oh, we talked about the Golden Girls. Brad Crowell 35:40  Yeah, you did. Lesley Logan 35:41  Okay,so. Brad Crowell 35:42  Talked about the Golden Girls.Lesley Logan 35:42  Yeah, Sue, just so, you know, Brad, we're on a compound already with Steven Sue and I and a few other people. We're taking applications.Brad Crowell 35:49  We're taking applications. Yeah. So what's really funny, though, is he brought up the Golden Girls and we've talked about this for like, years.Lesley Logan 35:58  Yeah, and I was, like, a wealth manager co signed the idea, I'm in.Brad Crowell 36:04  So he said retirees, retirees must create for themselves on their own, a living setup that supports financial stability and mental well being, and that's where the Golden Girls concept comes in. So it has to include intentional socialization and finding things that create psychological success. So here's an example. He said. It's called an ABRC. It's an academically based retirement community. Or there's another one called a URC, which is a university based retirement community. And basically what he's saying is, if you worked in a field for a really long time, and you connect with other people who worked in the same or similar field, you will have a lot of things to talk about that are the same. Then you'll be able to have those conversations. So that's where the academically based retirement community comes in. Versus a university based retirement community would probably be like, Hey, we're all from the same alma mater, Alma Mater. I may be a year or two before you or after you, whatever.Lesley Logan 36:59  So here's my criteria for ours. Ours is going to be people. Everyone has to who, after Sue Steven, you and I. Everyone has to tell us what young person in their life who is strong on Strapping, who can help move heavy things, because you and Steven aren't going to like, stop doing projects. So we're gonna need help there. And then we just need, we need people who have children to, you know, to help take care of it, because we don't have any. We're not bringing that to this. We're bringing the project management to the community. But we don't have, we're facilitating. We don't have the young person, right? So, so, so sue and Steven have a three nieces on their side. So that's good.Brad Crowell 37:40  Okay, okay, okay. So we, I think we have a couple on our side too.Lesley Logan 37:44  We have, we are, I am the favorite aunt to our only niece, so there's that. But you know what? She might we need extra, just in case. We need to have extras. You gotta have, like, it's like having retirement. You gotta have backup. Brad Crowell 37:57  I remember my grandfather, who recently passed away. He was 94 I think, when he passed away, he moved out of his house at like, 88 or 87 years old into a retirement community. And he did it in, like a snap whim moment, because one of his longest friends for 50 years was like, hey, I just got an apartment at this place down the road. You should come, you should join us there. And he was like, absolutely, hell yeah, literally, called our whole family was like, I'm moving. And everyone's like, what? You're 87 what are you talking about? Lesley Logan 38:34  No, we're gonna find a mid century motel.Brad Crowell 38:36  But the, well, the goal for him here was community. Right? Where he went had, it was a it was like one of those communities that had live on your own, but they're still around, get partial help, and then eventually get full help. So it had three different facilities in one place. And so he moved into that I can do everything by myself, part of the community, and would walk down the hall and go play pool every night with the guys you know. And he did this for many, many years. And the belonging, that communal element that changed the game for him, because he was sitting alone in a house before, and he was like, this sucks. I gotta, I gotta get out of here.Lesley Logan 39:12  Well, I like our compound idea. It's a little culty, but not too much. And I only want the people that we want to be around on this. Like, I like what your grandfather did for himself, it's eally great. But there's also, like, a bunch of people involved that I didn't like, you don't get to choose them. So this is. Brad Crowell 39:30  But he found, like, love late in life too. You know, so there's that.Lesley Logan 39:33  He lived his best life. It's fine. I'm saying it's not ours. And that leads into my Be It Action Item that I'm talking about, which is, like, it's critical that this is a shared vision, yeah, so you gotta create a vision, the shared vision. I understand that I'm telling Brad about this vision a lot. Don't worry. I know what he likes.Brad Crowell 39:49  No, I'm very on board. I love me some tequila. So sign me up. Lesley Logan 39:53  I just think we have our great friends. We have a bunch of DINCs in our life off, but we get all the DINCs together, dual income, no children, all the DINCs together, we can have a cool kick ass compound with, first of all, just the just the red light therapy alone, we're like, already golden, so I'm just so in on this. But okay, so back to what Gregg said to do. Gregg said, create a vision. It's critical that it becomes a shared vision. And he actually said that research shows approximately 40% of couples do not even discuss retirement savings, which is bad, like whole no wonder so many divorces happen. People just don't talk about shit. Like, what is happening? Gonna start talking about your goals. Engage a professional like Gregg, to help you see how you can align your financial wherewithal with those visions. Probably Gregg, because he's the only person who studied this. He's the only, everyone else just wants to know what your fucking number is. He cares about what you want to do. And then, he said you have he wants you to think differently. He wants you to think about being your best self at this stage, not being someone whose society just says it's just time for you to leave. He wants you to, like, really think about who your best self is and take ownership of that, because you're kind of a badass, like people don't realize, like you have so much knowledge that is acquired from the time that you've spent so own that. And he said, in his words, you have more value to offer a lot of people than you think. And I think that that's true. There's like, so many different ways you can prepare, like you can be a big brother or a friend or a, you know, a leader of some kind in some capacity, with all this knowledge you have, you could, you can, you can, you can support people around you who need it. So there's just so much more live 20 bonus years. Plus, you know the way things are going, we'll see how we'll see how this ages by February, considering they're trying to get rid of nursing degrees and stuff like that in July. So we'll see. But I'm just saying there's a lot you can do. And I just really want people, I want people to have all the information. I don't. I don't like that some people have to work until they're 80, or because they either because they need the money or because they don't know what to do other than that, like that makes me sad, both of those. So hopefully this helps you. I'm Lesley Logan. Lesley Logan 41:57  And I'm Brad Crowell. Lesley Logan 41:58  Thanks so much for listening. How are you going to retire? We want to retire? We want to know what that vision What's your retirement persona? Tell Gregg. Tell the Be It Pod, and until next time, Be It Till You See It. Brad Crowell 42:07  Bye for now. Lesley Logan 42:08  That's all I got for this episode of the Be It Till You See It Podcast. One thing that would help both myself and future listeners is for you to rate the show and leave a review and follow or subscribe for free wherever you listen to your podcast. Also, make sure to introduce yourself over at the Be It Pod on Instagram. I would love to know more about you. Share this episode with whoever you think needs to hear it. Help us and others Be It Till You See It. Have an awesome day. Be It Till You See It is a production of The Bloom Podcast Network. If you want to leave us a message or a question that we might read on another episode, you can text us at +1-310-905-5534 or send a DM on Instagram @BeItPod.Brad Crowell 42:51  It's written, filmed, and recorded by your host, Lesley Logan, and me, Brad Crowell.Lesley Logan 42:56  It is transcribed, produced and edited by the epic team at Disenyo.co.Brad Crowell 43:00  Our theme music is by Ali at Apex Production Music and our branding by designer and artist, Gianfranco Cioffi.Lesley Logan 43:07  Special thanks to Melissa Solomon for creating our visuals.Brad Crowell 43:11  Also to Angelina Herico for adding all of our content to our website. And finally to Meridith Root for keeping us all on point and on time.Support this podcast at — https://redcircle.com/be-it-till-you-see-it/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

The Fat One returns with a full report on his day in Fat Acres which included a Book Club report, the coupon, a gentleman caller, some window shopping and some Apple Snack updates. Happy National Corn Chip Day.

Are you still trying to decide when to take Social Security? Well, in this episode, I am deviating from my normal stance to share 4 reasons you might want to take your benefits ASAP rather than delay. And be sure to listen to the end, because I share why using a traditional break even analysis in your decision making process is not a good idea.

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

In this episode of the Green Side Up Podcast, Jason and Jordan sit down in person with Danny Gutcher of KASE Wealth Advisors for a deep dive into money, retirement, and long‑term planning—through the relatable lens of Danny's baseball journey. Danny shares his path from Tampa high school standout to Division II national champion catcher at the University of Tampa, then explains how he transitioned from molecular biology and CTE research ambitions into a career as a fiduciary financial advisor. The conversation breaks down, in plain language, topics like fee-based vs. commission-based advising, what a fiduciary really is, Roth vs. traditional IRAs, 401(k)s vs. SIMPLE IRAs, company matches, vesting, HSAs, and tax diversification. Jason and Jordan press Danny on how small businesses like landscape and tree service companies can set up retirement plans, use matches as a retention tool, and structure contributions so both owners and employees win. It's a practical, story-driven guide for young professionals, blue‑collar employees, and business owners who want to stop guessing about retirement and start building a real plan.

Retirement and tax planning become far more complicated when life crosses borders—whether you're moving abroad or returning home. In this episode, Jimmy Miller addresses the hidden financial and tax traps that affect people living, working, or retiring across countries. Jimmy explains how common decisions—often made years earlier—can create unexpected consequences for Americans living abroad and for non-Americans who have spent part of their working lives in the United States. With clarity and real-world examples, he breaks down why these issues tend to surface at retirement, when flexibility matters most. In this conversation, we explore: How tax “time bombs” affect expats in both directions What Americans abroad need to understand about retirement income and taxes Why non-Americans working in the U.S. can face surprises when they return home How retirement accounts can trigger penalties or higher taxes later Why midlife women are especially vulnerable to hidden financial risks This episode is about foresight, clarity, and understanding the long-term impact of today's financial decisions—no matter where life takes you. Listen now and then share this episode! Find Jimmy Miller at Baobab Wealth Management Learn more about Jimmy and find all his links at The Boomer Woman's Podcast: Jimmy Miller

What if two people saved the exact same amount of money... but one retired with nearly $900,000 more than the other? The difference wasn't discipline — it was where the money lived. In this episode of Without the Bank, we break down one of the most powerful chapters from Becoming Your Own Banker: The Twin Sister Example. Using Nelson Nash's comparison between CDs and Infinite Banking, we examine how capitalization, dividends, and ownership significantly impact long-term outcomes. We also tackle one of the most misunderstood — and ignored — components of Infinite Banking: the death benefit. Many people focus only on early cash value, but real banking strategies account for protection, longevity, and uninterrupted compounding. If you've ever wondered why Infinite Banking outperforms traditional savings, CDs, and even "paying cash," this episode connects the dots. Key Takeaways: Why capitalization is unavoidable — no matter how you finance purchases How leasing, bank loans, cash, CDs, and Infinite Banking really compare The hidden cost of "paying cash" and sinking funds Why the death benefit is not a downside — it's a bonus How ownership and dividends change retirement income forever Why Infinite Banking allows income without running out of money Chapters: (00:00) – Why the death benefit matters more than people think (01:09) – Why starting small beats radical lifestyle changes (02:25) – Comparing car financing: lease, bank, cash, CD, IBC (08:38) – CDs vs Infinite Banking: the Twin Sister example (12:55) – Why dividends change everything long-term (16:13) – Retirement income: why one sister runs out and the other doesn't (27:32) – The two rules of Infinite Banking you must follow Get Started: Ready to build your own banking system? Email: maryjo@withoutthebank.com Email: tarisa@withoutthebank.com Grab your copy of Becoming Your Own Banker: https://www.withoutthebank.com/shop... Schedule an appointment and start beating Parkinson's Law today!

How much you need to retire quiz: https://bit.ly/Adam-OlsonReaching $2 million should mean financial freedom — but for many retirees, it quietly becomes the beginning of long-term trouble.In this video, I break down the $2M spending trap that silently destroys retirement security, even for disciplined savers. I explain how withdrawal inflation, poor account sequencing, unnecessary taxes, and Medicare IRMAA penalties slowly erode wealth — without any warning signs.I've seen it firsthand: retirees assume a large balance equals unlimited spending freedom. But without a coordinated withdrawal strategy, portfolios that should last 30+ years can struggle to make it 20.In this video, you'll learn:Why early retirement withdrawals cause hidden long-term damageHow “reasonable” spending increases quietly accelerate depletionThe tax sequencing mistake that costs retirees hundreds of thousandsHow unplanned withdrawals trigger Medicare IRMAA premium spikesThe coordinated drawdown strategy that protects income and controlThis is the foundation of what I call the Red Zone Retirement Planning Process — a system built around tax efficiency, Medicare awareness, and sustainable income planning.If you want help optimizing your retirement withdrawals, click the link below to complete my questionnaire and I'll send you a personalized video showing how to structure your retirement plan the right way.Your retirement isn't about how much you saved — it's about how you withdraw.Investing involves risk, including loss of principal. Be sure to understand the benefits and limitations of your available options and consider all factors prior to making any financial decisions. Any strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Adam Olson, Representative. Mutual of Omaha Investor Services is not affiliated with any entity listed herein. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services and its representatives do not offer legal or tax advice. The information presented is subject to change without notice and is not intended as an offer or solicitation with respect to the purchase or sale of any security or insurance product.Mutual of Omaha Investor Services and its various affiliates do not endorse or adopt comments posted by third parties. Comments posted by third parties are their own and may not be representative or indicative of other's opinions, views, and experiences.

As the Retirement Plan Live series wraps up, Roger Whitney shares wisdom from retirees further along the path to help Henry and Lucy think beyond the numbers. Listeners in their 50s, 60s, and 70s reflect on purpose, work, health, money, and joy—offering perspective on what really matters when retiring early. Roger closes with his own observations from decades of coaching, a Smart Sprint focused on learning from others, and listener-submitted words for the year.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.(01:33) Two announcements: next month starts a healthcare-before-Medicare series and the listener survey in The Noodle is coming soon.WISDOM FROM RETIREES FURTHER ALONG(03:41) Roger reads listener reflections from retirees further along, sharing lessons on purpose, work, health, flexibility, and building a meaningful retirement.ROGER'S OBSERVATIONS (12:54) Roger shares his observations from decades of coaching on what leads to a fulfilling retirement, including permission, projects, community, service, and avoiding distraction or scarcity thinking.SMART SPRINT(22:12) Identify one challenge you're facing and talk with someone who has already walked that path—before turning to books or the internet.LISTENER WORDS FOR THE YEAR(25:10) Roger shares listener words for the year and the personal meaning behind them.RESOURCESSign up for our next webinar!Submit a Question for RogerSign up for The NoodleThe Retirement Answer Man

Chris Williams and Brent Blum discuss the latest Jerome Tang victim quote before diving into the mailbag. What does Milan Momcilovic's future look like? Talking jersey retirements and more, courtesy of Mechdyne. Learn more about your ad choices. Visit megaphone.fm/adchoices

Jim Cole, a retired Supervisory Special Agent with Homeland Security Investigations (HSI) and global expert on child exploitation and victim identification, sits down to reveal the untold truth about fighting child predators and digital crime. With nearly 35 years in law enforcement, Jim led major initiatives including founding the HSI Victim Identification Program, co-founding Project VIC to help identify and rescue thousands of children worldwide, and serving as Chair of the INTERPOL Specialists Group on Crimes Against Children. He now serves as Chief of Law Enforcement Enterprise & Technology at Operation Light Shine and partners with law enforcement, technology providers, and nonprofits to innovate how child exploitation investigations are handled. In this heart-breaking conversation with Ian Bick, Jim shares inside stories from real cases, the mental and emotional toll of this work, and why putting victims first changes everything in the fight against online predators. _____________________________________________ #TrueCrime #CrimeStories #UndercoverWork #LawEnforcement #CriminalInvestigation #DarkSideOfTheJob #RealLifeStories #FormerAgent _____________________________________________ Thank you to GOLD DROP SELTZERS for sponsoring this episode: Head to https://www.thedryoak.com/ and use promo code LOCKEDIN at checkout for 10% off your order. _____________________________________________ Connect with Jim Cole: http://www.operationlightshine.org _____________________________________________ Hosted, Executive Produced & Edited By Ian Bick: https://www.instagram.com/ian_bick/?hl=en https://ianbick.com/ _____________________________________________ Shop Locked In Merch: http://www.ianbick.com/shop _____________________________________________ Timestamps: 00:00 The Emotional Toll of Law Enforcement Work 01:10 Meet Jim Cole: Career in Law Enforcement 03:39 Childhood, Family, Military Service, and Values 10:57 Becoming a Police Officer and Early Training 16:13 Patrol Work, Street Policing, and Daily Challenges 20:07 Joining the Detective Division 23:48 Crime on Tribal Lands, Limited Resources, and Jurisdiction 28:34 Narcotics Investigations, Task Forces, and Drug Crimes 34:37 Shocking Violent Crimes and Career-Defining Cases 41:08 Federal Partnerships and Complex Investigations 46:27 Technology, the Private Sector, and a Shift in Perspective 50:33 Transitioning to Federal Law Enforcement 54:00 First Child Exploitation Investigations 59:29 Victim-Centered Cases and a Turning Point in His Career 01:04:43 Understanding Offenders and the Scope of Child Exploitation 01:10:53 Child Exploitation Statistics, Tips, and Resource Gaps 01:15:47 Law Enforcement Funding, Staffing, and Hard Realities 01:23:17 Types of Offenders, Grooming Tactics, and Warning Signs 01:29:02 Human Trafficking: Myths vs. Reality 01:35:06 Casework, Prevention, and the Role of Parents 01:40:13 Female Offenders and Rare but Shocking Cases 01:46:09 Mental Health, Burnout, and the Toughest Investigations 01:53:10 Retirement, Advocacy, and Final Reflections Learn more about your ad choices. Visit megaphone.fm/adchoices