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On Thursday's Mark Levin Show, Tucker Carlson and Matt Gaetz are lying again – accusing Mark of pushing for ground troops in Iran. On March 28, 2026, Mark discussed the possibility of special forces or elements of the 82nd Airborne securing Iran's enriched uranium if it could not be destroyed or altered, which is a specific, sophisticated mission rather than any call for hundreds of thousands of ground troops or regular infantry. Mark never advocated for large-scale ground forces. Carlson and Gaetz deliberately editing his remarks. They trash Israel, Benjamin Netanyahu, the U.S., its military, and President Trump while rarely criticizing the Iranian regime, and aligning with Islamists. Also, Gov Kathy Hochul and Zohran Mamdani are excited that local law enforcement will not work with ICE to deport criminal illegal aliens. Are New Yorkers happy about this? How could anyone vote for a Democrat given this reality? Later, Rep Jim Jordan calls in and explains the substantial overlap between the Democratic Socialists of America and the modern Democratic Party, which has shifted from the party of FDR and JFK to one that is anti-Israel, antisemitic, and socialist while opposing common-sense policies such as supporting the police, ICE, and opposing sanctuary jurisdictions. Finally, the family of 15-year-old American Malki Roth, killed in the 2001 Sbarro restaurant bombing in Jerusalem that claimed 15 lives and wounded about 122 others, has filed a civil lawsuit in U.S. District Court for the District of Columbia against Ahlam Aref Ahmad al-Tamimi, the Hamas operative who planned and executed the attack. Malki Roth's father, Arnold Roth, calls in and explains that the terrorist remains free in Jordan, is celebrated as a national hero and expresses no regret beyond not killing more people, while Jordan refuses extradition despite a treaty. Roth explains the civil lawsuit which is under the Anti-Terrorism Act seeking to seize her assets and make her life less comfortable, with any recovered funds directed to the Malki Foundation. Learn more about your ad choices. Visit podcastchoices.com/adchoices
Guest: Peyton Hoppes, ProVest Wealth Advisors (Spartanburg, SC)Episode SummaryDavid sits down with longtime friend and fellow financial advisor Peyton Hoppes to talk shop. Peyton recently joined ProVest Wealth Advisors in Spartanburg, SC, where he and colleague Gabe are stepping in to take over the client relationships of a retiring advisor. The two dig into what they're seeing with clients day-to-day: how busy families in their "formation years" actually manage cash flow, the real difference between Roth and pre-tax retirement accounts (and when each makes sense), and — for anyone who's ever dreamed of owning a beach house — a breakdown of the smartest (and riskiest) ways to actually pay for one.Key TakeawaysPurposeful money management beats default money management. Peyton runs a system of segregated accounts (savings, taxes, vacation/project fund) so every dollar has a job — and vacations get booked only once the savings cover them.Family formation years (roughly age 28–47) are the most expensive of your financial life. Most people's spending peaks here, then tapers as kids move out.Wealth isn't a number — it's time. Peyton's definition: wealth is the amount of time you can spend not working, not a dollar figure on a screen.Roth vs. pre-tax isn't a "which is better" question — it's a "which serves this purpose" question. Younger earners in lower tax brackets often benefit more from brokerage/Roth flexibility than maxing out pre-tax accounts; higher earners in higher brackets benefit more from pre-tax now with planned Roth conversions later.The three-bucket strategy: pre-tax, Roth (post-tax), and brokerage (post-tax, flexible) — where you focus your dollars should shift as your income and life stage change.Funding a dream property (like a beach house) has real tax tradeoffs. David and Peyton walk through three scenarios: cashing out a brokerage account (and eating the capital gains tax), a HELOC against your primary residence, and a securities-backed line of credit — each with very different risk profiles.Late-in-life cash flow planning is about spending well, not just accumulating. For those in their late 60s+ with fixed income covering expenses, the conversation shifts to strategic giving and enjoying wealth now rather than only growing net worth.About Peyton HoppesPeyton recently joined ProVest Wealth Advisors in Spartanburg, SC, focusing on families with busy lives and high financial complexity — business owners, medical professionals, and families with special-needs children. He and David worked together for several years before Peyton's move.Connect with Peyton:Email: peyton@provestwealth.comLinkedIn: Peyton HoppesWebsite: provestwealth.com
Are you spending your time, energy, and attention on financial optimizations that barely move the needle? In this episode, Dr. Jim Dahle and Tyler Scott, President of Planning at White Coat Planning, work through a series of real listener questions, from Trump account contribution rules and gift tax exclusions to HSA family contribution limits and 457 plan quirks, and use each one to illustrate a bigger point. Some financial moves genuinely change your outcome. Others feel productive but barely register. They walk through examples of both. A listener trying to squeeze out a few extra months of tax-free growth by pre-funding a solo 401(k) contribution gets a gentle but clear answer: the impact is measured in hours, not years. Meanwhile, using a mega backdoor Roth option in that same account, or choosing tax-efficient accounts for early retirement withdrawals, can genuinely shift a retirement date by months or years. Tyler also introduces his framework of the four currencies of life, money, time, energy, and attention, and how understanding which one you're actually spending helps clarify which optimizations are worth pursuing. The takeaway is not that details do not matter. It is that knowing which details matter is the real skill. Today's episode is brought to us by SoFi, the folks who help you get your money right. Paying off student debt quickly and getting your finances back on track isn't easy, but that's where SoFi can help — they have exclusive, low rates designed to help medical residents refinance student loans—and that could end up saving you thousands of dollars, helping you get out of student debt sooner. SoFi also offers the ability to lower your payments to just $100 a month* while you're still in residency. And if you're already out of residency, SoFi's got you covered there too. For more information, go to https://www.whitecoatinvestor.com/Sofi SoFi Student Loans are originated by SoFi Bank, N.A. Member FDIC. Additional terms and conditions apply. NMLS 696891. The White Coat Investor Podcast launched in January 2017, and since then, millions have downloaded it. Join your fellow physicians and other high income professionals and subscribe today! Host, Dr. Jim Dahle, is a practicing emergency physician and founder of The White Coat Investor blog. Like the blog, The White Coat Investor Podcast is dedicated to educating medical students, residents, physicians, dentists, and similar high-income professionals about personal finance and building wealth, so they can ultimately be their own financial advisor-or at least know enough to not get ripped off by a financial advisor. We tackle the hard topics like the best ways to pay off student loans, how to create your own personal financial plan, retirement planning, how to save money, investing in real estate, side hustles, and how everyone can be a millionaire by living WCI principles. Website: https://www.whitecoatinvestor.com YouTube: https://www.whitecoatinvestor.com/youtube Student Loan Advice: https://studentloanadvice.com TikTok: https://www.tiktok.com/@thewhitecoatinvestor Facebook: https://www.facebook.com/thewhitecoatinvestor Twitter: https://twitter.com/WCInvestor Instagram: https://www.instagram.com/thewhitecoatinvestor Subreddit: https://www.reddit.com/r/whitecoatinvestor Online Courses: https://whitecoatinvestor.teachable.com Newsletter: https://www.whitecoatinvestor.com/free-monthly-newsletter
Fellow Defector Justin Ellis joins Drew and Roth! They talk about his upcoming book, The Cruelty of Nice Folks: Why Minneapolis Is the Story of America, and how Justin thinks it relates to the latest primaries. But first, Drew's got a good old fashioned rant he needs to get off his chest. Then, they talk sports – is Justin excited about LaMelo Ball joining the Timberwolves, or skeptical? And, same question but with new Vikings starter Kyler Murray. Finally, they open up the funbag to figure out how long it takes to finish off a bottle of absinthe and a pumice stone.Preorder Justin's new book now!Do you want to hear your question answered on the pod? Well, give us a call at 909-726-3720. That is 909-PANERA-0!Stuff We Talked AboutDungy particlesLittle Mr. Met babiesWedding invite adhesive moneyThe Vieux Carré spirit300 puttanescasActual sports questions!Sponsors- Taking care of your health just got easier – start here with Zocdoc- Blueland, where you can get 15% off your first orderCredits- Hosts: Drew Magary & David Roth- Producer: Brandon Grugle, Multitude- Editor: Mischa Stanton, Multitude- Production Services & Ads: Multitude- Subscribe to Defector!About The ShowThe Distraction is Defector's flagship podcast about sports (and movies, and art, and sandwiches, and certain coastal states) from longtime writers Drew Magary and David Roth. Every week, Drew and Roth tackle subjects, both serious and impossibly stupid, with a parade of guests from around the world of sports and media joining in the fun! Roth and Drew also field Funbag questions from Defector readers, answer listener voicemails, and get upset about the number of people who use speakerphone while in a public bathroom stall. This is a show where everything matters, because everyone could use a Distraction. Head to defector.com for more info.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Jayden Daniels vs. LSU, Lakers Sell for $12B & NFL Preseason Is HereJayden Daniels has told LSU it can no longer use his name, image or likeness, reopening the debate over how college football should honor its legends. Daniels is a Heisman winner, but Joe Burrow won a national championship and Billy Cannon remains the only LSU player whose number is officially retired and completely out of circulation. We'll get into why honoring great players makes sense, but permanently removing numbers doesn't. Plus, the Lakers are reportedly selling for a record-shattering $12 billion, Magic Johnson welcomes the new ownership group, and we've got NFL preseason football tonight. We also look at Cal bringing back the Joe Roth uniforms and the incredible story behind No. 12, Tulane's new City Edition look, tonight's Field of Dreams game, NASCAR at Richmond, and the FedEx St. Jude Championship in Memphis.Live Show Tuesday and Thursday, 3pm est.SOCIALS: https://linktr.ee/drewberquistWEBSITE: https://AirItOutBro.com #DrewBerquist #Balls&Banter #BallsShow Notes/Links:The Los Angeles Lakers are being sold to American businessmen Josh Kushner and Bob Iger in a record-breaking $12 billion deal https://x.com/Breaking911/status/2087563227353772036?s=20Magic Johnson welcomes the Lakers' new owners to the Purple & Gold https://x.com/YahooSports/status/2087577094360305697?s=20Stephanie White the perfect liberal white woman statement this week https://x.com/IndianaFever/status/2087318100253221000?s=20The best memes of the weekCal is bringing back the Joe Roth uniforms for week one https://x.com/BussinWTB/status/2087674189872259330?s=20Tulane drops City-Edition uniformshttps://x.com/GreenWaveFB/status/2087597789286936987?s=20Jayden Daniels has informed LSU that it can no longer use his name, image and likeness https://x.com/AdamSchefter/status/2087850164744516020?s=20MLB Field of Dreams Preview and Discussion NFL Preseason Preview and Discussion
Most investors spend their time deciding what investments to own. Far fewer spend time thinking about where those investments should be held. In this episode, Tyler Emrick, CFA®, CFP®, breaks down one of the most overlooked tax planning strategies in retirement: asset location. Using research from Vanguard, Tyler explains how placing the same investments in different accounts—taxable, traditional IRA/401(k), and Roth—can improve after-tax wealth without taking additional investment risk. In this episode, Tyler covers: What asset location is—and why it's different from asset allocation. Vanguard's research on improving after-tax returns. Where different investments generally belong. Why Roth accounts deserve special consideration. Common mistakes investors make when organizing their portfolios. Why asset location should evolve throughout retirement. Have questions? Need help making sure your investments and retirement plan are on track? Click to schedule a free 20-minute call with one of True Wealth's CFP® Professionals. http://bit.ly/calltruewealth Our website: https://www.truewealthdesign.com/ Phone: 855.TWD.PLAN Contact our team: https://www.truewealthdesign.com/contact-a-financial-advisor/ Schedule your no-cost discovery call: http://bit.ly/calltruewealth Check out our other no-cost financial resources here: https://www.truewealthdesign.com/financial-resources/ Facebook: https://www.facebook.com/TrueWealthDesign/ LinkedIn: https://www.linkedin.com/company/true-wealth-design/ X: https://x.com/truewealthdesgn Watch the show now on YouTube: https://www.youtube.com/channel/UCjENBHOti-IEJFqeydZm_Fg?sub_confirmation=1
The (Not Boring) Boring Small Business Bookkeeping and Accounting Podcast
Choosing between a Roth and Traditional IRA comes down to one question: what tax bracket do you expect to be in when you withdraw. Our favorite Bookkeeping Mensch, Paul Rosenblum, breaks down the tax treatment, contribution limits, and Required Minimum Distribution rules for both, plus a quick look at how inherited IRAs work differently. A short, practical primer for anyone weighing retirement savings alongside their business finances.Schwab IRA calculator: https://www.schwab.com/ira/ira-calculatorsSend us Fan MailSupport the showAbout the hostPaul Rosenblum has been doing hands-on bookkeeping for over 30 years, starting with QuickBooks Desktop and adapting to the world of cloud-based QuickBooks Online. He shares practical, in-the-weeds lessons from real client files every episode.
Send us Fan MailSeason 32, Episode 7 – “Canadian Crystal”Hosted by: DONMEGAThis week on Am I On The Air, DONMEGA breaks down the latest entertainment news from August 6th through August 12th, with a stacked lineup of horror, comedy, streaming releases, and some major TV returns.On the movie side, horror mastermind Eli Roth is back with his latest film, “Ice Cream Man.” DONMEGA dives into this twisted new horror offering, breaking down the scares, the craziness, and whether Roth has delivered another movie horror fans need to check out.Then it's time to head back on the highway as the Broken Lizard crew returns for “Super Troopers 3.” Does the long-awaited third installment still have the laughs, or has the franchise finally run out of gas? DONMEGA gives his take.Netflix also joins the conversation with its latest original film, “The Last House.” We break down the new streaming release and whether it deserves a spot on your weekend watchlist.Over on the TV side, Ryan Murphy is back with his latest series, “The Shards.” DONMEGA shares his first impressions and discusses whether Murphy has another must-watch series on his hands.And believe! “Ted Lasso” is officially back for Season 4. We return to the world of AFC Richmond to discuss the long-awaited comeback, where the story goes from here, and whether bringing the beloved series back was the right move.Plus, as always, we cover the latest movie and TV headlines, streaming news, reactions, and so much more from the world of entertainment.
67% of Americans say they want to own a business. Only 6% ever do it, and the gap is almost never a lack of money. Alex Smereczniak has data on thousands of franchises, and he breaks down the path that lets you start a business on step three instead of step one.
What are the steps to simplify your portfolio, given that it is likely spread across multiple accounts? We focus particularly on retirees, who have to weigh additional considerations like withdrawals, Roth conversions, and required minimum distributions.We also explore which areas of the stock and bond markets are attractive right now as you seek to simplify and/or rebalance your portfolio.SponsorsTry NetSuite for FreeDelete Me – Use code David20 to get 20% offShow Notes and Related ContentA Complete Guide to Investing in I Bonds and TIPS (2026)550: Asset Location: Where You Invest, Where You Live, What You Can AccessFree Investment Strategy ReportInsiders Guide Email NewsletterGet our free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletterOur Premium ProductsAsset CampMoney for the Rest of Us PlusSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Fresh from passing the CFP exam, Roxy Butner joins Tom to work through a classic retirement fork: take the richer lifetime teacher pension, or accept a $315,000 lump sum and invest it. The math matters, but so do longevity, survivor benefits, liquidity, investing temperament, and the temptation to spend the pile.Next comes a clever tax-payment question: can IRA withholding replace quarterly estimated payments during Roth-conversion years? They explain why paying conversion taxes from taxable money usually preserves more long-term value.The show closes with a 5.25% mortgage-versus-investing decision and a portfolio x-ray that finds a dividend-heavy international fund missing small companies, value stocks, and emerging markets.00:58 Roxy passes the CFP exam02:46 Teacher pension or $315,000 lump sum?08:36 Rolling a pension lump sum to an IRA09:33 IRA withholding versus estimated taxes13:48 Pay off a 5.25% mortgage or invest?17:34 Fixing an under-diversified retirement portfolio21:50 Living—and spending—with a sound planQuestions? Comments? Click!
On episode 235 of Ask The Compound, Ben Carlson, Duncan Hill, and Bill Sweet discuss where housing is most expensive, which investments to sell first, AI's impact on homebuying, owning volatile investments, when HSAs may not make sense, how Roth 401(k)s work, and more! This episode is sponsored by Betterment Advisor Solutions. Learn more at https://betterment.com/advisors Compound Merch: https://idontshop.com/ Submit your Ask The Compound questions to askthecompoundshow@gmail.com! Subscribe to The Compound Newsletter for all the latest Compound content, live event announcements, find out who the next TCAF guest is, get updates on the latest merch drops, and more! https://www.thecompoundnews.com/subscribe
SMALL BUSINESS FINANCE– Business Tax, Financial Basics, Money Mindset, Tax Deductions
The QBI deduction can let qualifying business owners deduct up to 20% of their qualified business income. Now it is permanent—but that does not mean every owner will get the full benefit. In this episode, Tiffany explains the new 2026 income thresholds and why service businesses face tougher rules. You'll learn what happens when your income enters the phaseout range, how S corporations and owner pay affect QBI, and why a Roth conversion could shrink your deduction. You'll also discover why buying equipment or hiring workers just for a deduction can be a costly mistake. These practical tax tips will help you make smarter tax planning and money decisions before the year ends. Your QBI deduction may be changing while your business grows. Listen now so you can plan before it's too late.
Should you stop doing Roth conversions as part of your retirement planning after Senator Ron Wyden's new legislation targeting specific retirement accounts? David McKnight breaks down the key aspects of the proposal and what it actually means for the average American (and their retirement). Show Notes In this episode, David McKnight looks at whether you should stop doing Roth conversions following Senator Ron Wyden's introduction of legislation for taxing Roth IRAs. For David, 99.9% of Americans should continue investing in Roth accounts with a high degree of confidence. One of the biggest misconceptions floating around is that Congress wants to start taxing everyone's Roth IRA. However, that is simply not what Senator Wyden's proposal does, as its focus are so-called mega-retirement accounts. These are retirement accounts – whether traditional IRAs, Roth IRAs, or Roth 401(k)s – that have grown to extraordinary sizes, often tens or even hundreds of millions of dollars. Senator Wyden's proposal only applies to taxpayers with very high incomes ($400,000 for individuals; $450,000 for married couples) and only if your combined retirement accounts exceed $10 million. In other words, if you don't have more than $10 million spread across your retirement accounts, the proposal doesn't apply to you. Do you exceed that threshold? Then, know that the proposal would require annual distributions from the excess amount. The rule becomes even more restrictive when balances exceed $20 million. David believes that the average American shouldn't be nervous about investing in Roth accounts – he shares four reasons why. Reason #1: Congress likes Roth accounts, because, from a Government's perspective, Roth accounts accelerate tax revenue. The second reason is the fact that Roth assets are still a relatively small piece of the retirement landscape. "Most retirement money in America is still sitting inside traditional tax-deferred accounts", he explains. Reason #3: the Government has always had an implicit agreement with America on Roth accounts. The fourth reason why David doesn't believe you should be nervous about investing in Roth accounts is that they're still your best protection against what's coming down the road. The national debt is set to grow by $2 trillion per year over the next 10 years and $3 trillion per year after that. According to a Penn Wharton study, once the country hits a debt-to-GDP of 200% in 2040, no combination of increasing taxes or cutting spending will prevent the nation's financial collapse. That's why, David is confident that around 2035 Congress will have little choice but to tax increases. Mentioned in this episode: David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter @davidcmcknight on Instagram David McKnight on YouTube Senator Ronald Wyden Penn Wharton (The Wharton School, University of Pennsylvania)
Many people think financial planning is mostly about investing and saving money. The reality is that some of the biggest financial decisions happen before you ever invest a dollar. In this episode of The Budgetdog Breakdown, I answer real listener questions about protecting your income with disability insurance, combining finances before marriage, understanding the backdoor Roth IRA, deciding whether to pay off your car early, and determining how much a wedding should really cost. We discuss why protecting your ability to earn is so important, how couples can create a shared financial system, why the backdoor Roth isn't as complicated as it sounds, and how to think about debt versus investing. Money isn't just about math. It's about making decisions that protect your family and align with what you actually value. Episode Timeline and Highlights 00:00 Why wealthy people rely on systems 00:18 The insurance most people forget 01:25 Combining finances before marriage 03:52 Understanding the backdoor Roth IRA 05:41 Paying off your car vs. investing 07:32 How much should a wedding cost? 09:39 Final thoughts Key Takeaways • Protecting your income is just as important as protecting your life • Financial transparency is essential in marriage • A backdoor Roth IRA is a legal strategy for accessing Roth contributions when income limits apply • Paying off debt provides a guaranteed return equal to the interest avoided • Major purchases should reflect your values, not social pressure • Financial systems make difficult decisions easier Quotables "Wealthy people aren't wealthy because they win every day. They use systems that make losing hard." "Protect your family in every single potential scenario." "Money isn't just about math. It's about behavior." "Are you doing what is right for you, or are you just keeping up with the Joneses?" The goal isn't to make every financial decision perfectly. It's to build a system that protects your family, supports your goals, and lets you spend your money intentionally.
Retirement planning is about more than reaching a savings goal. It also means preparing for healthcare costs, changing income needs, housing decisions, relationships, purpose, and the transition into a completely different stage of life. This week, Regina shares 10 important things to consider before retirement, including how to budget for a longer life, understand your income sources, prepare for healthcare expenses, manage debt, and plan for required minimum distributions. She also explains why the emotional and personal sides of retirement matter just as much as the financial ones. From creating a daily routine and maintaining social connections to updating your legal documents and finding purpose beyond work, a successful retirement requires planning for the life you actually want to live. Episode Highlights: 0:00 - Welcome to Women and Wealth 0:45 - 10 things to know about retirement 1:54 - Budgeting for longevity and inflation 2:55 - Understanding your retirement income sources 4:15 - Planning for healthcare and long-term care costs 5:12 - Managing debt before retirement 6:34 - Required minimum distributions and Roth conversions 7:34 - Making the shift from saving to spending 9:31 - Keeping legal documents and beneficiaries updated 11:05 - Downsizing, relocating, and aging in place 11:53 - Creating a healthy daily routine 13:54 - Finding purpose and identity beyond work 16:53 - Preparing for a fulfilling retirement 17:13 - Closing thoughts and how to connect ABOUT REGINA MCCANN HESS Regina is the author of Super Woman Wealth: How to Become Your Own Financial Hero. As an advocate for women's financial freedom, she wrote this book to help empower women to take a bigger role in handling their money. Regina has appeared on Schwab TV, Yahoo Finance, Forbes.com, NTD Television, CBS 3 Philadelphia, Fox 29 Philadelphia, King 5 Seattle, KTLA 5 Los Angeles and Scripps News. She has also been quoted in numerous articles in publications such as Forbes, Business Insider, U.S. News & World Report, Yahoo Finance, USA Today, USA Wire, Word in Black, WTOP News, Mind Body Green, Money Digest, New York Post, Defender, Authority Magazine, GoBankingRates.com, Scripps and The Muse. As Founder of Forge Wealth Management, Regina utilizes her 25+ years of financial services experience to help individuals plan, preserve and diversify their wealth. She focuses on educating her clients while building long-term relationships with them and their families. Her experience throughout major shifts in the markets, enables Regina to structure balanced portfolios to address specific financial goals. CONNECT WITH REGINA Website: https://www.forgewealth.com LinkedIn: https://www.linkedin.com/in/reginamccannhess/ Facebook: https://www.facebook.com/ForgeWealth Instagram: https://www.instagram.com/forgewealthmanagement/ YouTube: https://www.youtube.com/@ForgeWealth Email: reginahess@forgewealth.com Securities offered through LPL Financial, Member FINRA/SIPC www.finra.org, www.sipc.org Third-party posts found on this profile do not reflect the view of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. This material was prepared by MFS Fund Distributors, Inc. For a list of states in which I am registered to do business, please visit www.forgewealth.com. MFS Fund Distributors, Inc. is not affiliated with, nor endorsed by LPL Financial, Private Advisor Group, or Forge Wealth Management
#740: Paula and Joe rarely butt heads — but a caller's side hustle, which pulled in $5,500 in a single day, sparked their most heated disagreement in months. This week's mailbag: a couple weighing an early retirement built on $1.2 million, a wedding-dress side hustle deciding whether to go all in, and a listener whose small stock investment turned into a $25,000 tax puzzle. In this episode, we discuss: How to build a bucket strategy so you can retire early and still stay aggressive with your portfolio The real markers that tell you it's time to go back to work — not just a number How one listener turned a marketplace side hustle into a $5,500 day When to leave a stable paycheck for a growing side business, and when to wait Why a popular plan to gift a winning stock to your kids usually backfires Whether it's worth paying taxes now to raise your stock's cost basis Where a single winning stock belongs — taxable, Roth, or a solo 401(k) Whether you're weighing an early exit from a stable career, deciding if your side hustle is ready to become your main hustle, or holding a stock that's grown far beyond what you expected, this episode will help you think through the tradeoffs before you act. ⏱️ TIMESTAMPS Note: Timestamps may vary slightly depending on dynamic ad placements. (00:00) Why a winning stock can turn into a tax trap (02:23) A $1.2M portfolio and a plan to retire by 45 (07:45) Why an aggressive portfolio needs a cash cushion first (16:49) The real signal your plan isn't working (24:25) A side hustle that made $5,500 in one day (33:51) Quit now or wait — two strong arguments (39:51) The book that could save a new business (54:09) A $200 stock that grew into $25,000 (01:01:08) The tax rule that blocks gifting stock to your kids (01:12:59) A hidden tax that kicks in above $250,000 income
Just when you thought America had invented every possible retirement account, along comes the Radish. Don and Tom dig into the proposed employer-funded savings plan, the man who helped create the 401(k), and whether workers really need another tax-advantaged vegetable in an already crowded garden.The practical answer is simpler: start saving now. A Roth IRA and one broad global stock ETF can do more good than waiting for the perfect account—or learning every acronym in the retirement alphabet.Listener questions cover diversifying beyond rental real estate, whether spreading accounts across custodians is useful cyber insurance, moving emergency cash from Ally to SGOV, Roth 401(k) matching, and Roth IRA withdrawal timing.00:37 Mountain music and backyard radishes02:40 The retirement-account alphabet04:36 What exactly is a Radish plan?09:04 Save now; simplify later11:53 Diversifying beyond rental real estate16:15 TSP, SEP IRA, and custodian cyber risk19:06 SGOV for an emergency fund21:26 Roth 401(k) matching and Roth IRA accessQuestions? Comments? Click!
Is $1.2 Million Enough to Retire Early as a Gay Couple?Joe and Bob are both 55. They have $1.2 million saved and invested for retirement, no debt and dreams of spending their go-go years slow traveling around the world.So, can they quit their jobs and retire today?The answer is… probably. But there's a catch.In this episode of Queer Money®, we put this fictional gay couple through three retirement tests to see whether $1.2 million is actually enough to retire at 55. And what we find shows exactly why your retirement number alone doesn't tell you whether you're financially independent.Joe and Bob want to spend about $60,000 a year, have $120,000 available in cash and taxable investments and expect about $48,000 a year from Social Security beginning at 70.At that spending level, our Queer Money Retirement Calculator projects they could reach age 100 with approximately $557,000 remaining.But bump their lifestyle up just $1,000 a month to $72,000 a year?Their money could be gone in their early 80s.Same $1.2 million. Very different retirement.
Retirement tax planning isn't simply about following IRS rules or minimizing what you owe this year. Jeremy Keil answers three listener questions that demonstrate why focusing on one tax return at a time can lead retirees to miss opportunities to manage their taxes over the course of retirement. Jeremy breaks down two different five-year rules that can apply to Roth IRAs, including what happens when you complete a Roth conversion after having an existing Roth IRA for years. He then explains why taking only the required minimum distribution from an inherited IRA isn't automatically the best strategy under the 10-year rule, and how qualified charitable distributions may be available from inherited IRAs for eligible account owners. For disclosures and conflicts visit keilfp.com/disclosures.
When you're moving into retirement, you're most likely to be starting to ask yourself which investment accounts you should start drawing from first. There's really no universal answer—retirement withdrawal strategies are deeply personal and situation-dependent. But understanding the implications of each account type and the factors that influence withdrawal order can have a massive impact on your tax burden and the longevity of your assets. You will want to hear this episode if you are interested in... [00:00] Retirement withdrawal strategy options [06:37] Roth IRA and taxable accounts [07:47] Tax implications for investment gains [14:12] Roth IRA conversion strategy [16:17] Real-life retirement income strategies [19:36] Importance of a withdrawal strategy Understanding the Account Types and Their Tax Impact The foundation of your strategic withdrawal plan begins with understanding how each investment account is taxed: 1. Pre-tax Retirement Accounts These include traditional IRAs and 401(k)s, SEP IRAs, and similar plans. Contributions offer a tax deduction, and growth is tax-deferred, but withdrawals are taxed as ordinary income. These accounts are eventually subject to required minimum distributions (RMDs), currently beginning at age 73 or 75, depending on your birth year. Withdrawals here not only increase your reported income but can also impact Medicare premiums and Social Security taxation. 2. Roth Accounts Roth IRAs and Roth 401(k)s are funded with after-tax contributions. Qualified withdrawals are tax-free and—if the original contributor owns the account, not subject to RMDs in your lifetime. This makes Roth accounts especially valuable for flexible, later-stage withdrawals. 3. Taxable Brokerage Accounts These are standard investment accounts not designated for retirement. Withdrawals of principal do not create taxable events; only realized capital gains, dividends, and interest are reported for taxes. One major benefit: capital gains rates can be lower than ordinary income rates and may even reach 0% for some filers. Withdrawals can be easy to manage for opportunistic or requirement-driven needs. Questions to Consider with Personalized Withdrawal Planning Several personal factors play into the best withdrawal order: Are you retiring before 65 and in need of Affordable Care Act (ACA) health insurance? Do you want to minimize future RMDs or leave assets to heirs? When will you begin Social Security or receive pension income? What is your preferred tax bracket and desired lifestyle flexibility? These questions should be revisited regularly, as changes in tax law, health, or legacy wishes can affect your strategy. Real-World Withdrawal Scenarios Coordinating Withdrawals for ACA Subsidies Jonathan retires at 57, pre-Medicare, and must carefully manage his modified adjusted gross income (MAGI) to retain ACA health insurance subsidies. My suggested plan is to combine modest 401(k) withdrawals, reportable dividends, and money market interest to stay below the MAGI threshold. Additional cash needs are met from accounts, like the money market, which don't affect taxable income. This keeps his subsidy and aligns with income limits, demonstrating the need for multi-account coordination. Reducing Future RMDs and Leaving a Legacy Walter and Amy, 62, want to avoid burdening their heirs with high-tax inheritance on pre-tax accounts. Instead of focusing solely on paying the least tax today, they prioritize Roth conversions while Social Security is delayed, taking advantage of lower brackets now to transfer wealth into tax-free vehicles. Over several years, they could convert hundreds of thousands into Roth IRAs, significantly reducing future RMDs while maximizing wealth transfer. Minimizing Tax on Social Security Christian, 68, blends Social Security with distributions from non-taxable sources like his money market to avoid triggering federal taxes on his Social Security. Careful planning allows him to either keep Social Security tax-free or, with limited IRA withdrawals, incur only minimal tax. The Importance of Ongoing Review and Professional Advice Your withdrawal strategy is not a "set-and-forget" plan. Tax laws, account balances, and individual goals will change over time. I suggest annual reviews and, ideally, working with a specialized financial advisor to continually adjust the plan for optimal tax efficiency and income sustainability. A thoughtful approach, tailored to your personal circumstances and updated regularly, will help you balance tax efficiency, income needs, and legacy goals. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE Connect With Morrissey Wealth Management www.MorrisseyWealthManagement.com/contact Subscribe to Retire With Ryan
Will your wealth go to your family—or be slowly chipped away by taxes, healthcare costs, and poor planning? In this episode, Jim Fox breaks down the realities behind the so-called Great Wealth Transfer and explains why preserving assets requires more than simply growing a portfolio. He discusses tax-efficient income strategies, Roth conversions, Medicare-related tax considerations, long-term care planning, and ways to help beneficiaries receive assets more efficiently. The conversation highlights how thoughtful planning can uncover opportunities, reduce surprises, and help retirees make informed decisions about the wealth they’ve spent a lifetime building. Ready to connect with Jim today? Get some Financial Straight Talk! Follow us on social media: YouTube | FacebookSee omnystudio.com/listener for privacy information.
The 4% rule sounds simple until taxes, Medicare, and real-life goals enter the equation. JoePat Roop and Taylor Lee explore how retirement withdrawals interact with Social Security, Roth conversions, required minimum distributions, annuities, and legacy planning. They explain why a portfolio alone is not a complete financial plan and show how one income decision can affect several areas at once. The episode emphasizes coordinating investments, taxes, healthcare, risk, and estate considerations around the household’s broader retirement objectives. For more information or to schedule a consultation call 704-946-7000 or visit BelmontUSA.com! Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.
Every Monday, Jon Hansen is joined by a specialist from Mesirow to discuss a different finance-related topic. In this episode, Andrew Mutlu, CFP, APMA, Vice President and Wealth Advisor, joins Jon to talk about how there’s a Roth solution for everybody and how those assets are more accessible than ever. To learn more, visit www.mesirow.com.
Think taking Social Security early is always the smartest move? Think again. In this episode, Mike Canet breaks down why Social Security claiming strategies are far more personal than most people realize. From life expectancy and income needs to legacy goals, taxes, Roth conversions, and pension decisions, Mike explains why there is no one-size-fits-all answer. Using real-world examples, he shows how the right claiming strategy depends on how every piece of a retirement plan fits together. If you're weighing when to claim Social Security, this conversation highlights the factors that deserve a closer look. Want to begin building your retirement and tax plan? Click Here to Schedule a 15-minute Discovery Call Follow us for more helpful insights:
Three Stackers call into the basement today with three very different problems, but they all boil down to the same uncomfortable question: what do you do when the "obviously right" financial move doesn't feel right? A generous employer match paired with fund choices you're not thrilled about. A tax bracket so low it seems wasteful not to convert. A life that just took a turn nobody expected, and a whole new set of financial tools nobody teaches you about until you need them. Joe, OG, and Anna Allen tackle all three with real, usable answers.What You'll Walk Away WithWhy turning down a five-figure employer match over fund quality concerns is almost always the wrong move, and the workaround that fixes it anywayThe real difference between an actively managed fund and a passive one, and why "active" isn't automatically a red flagA little-known 401k feature that can give you far more investment control without giving up your matchHow to think through a Roth conversion when your income, your future tax bracket, and even the state you'll retire in are all still unknownThe single mistake that quietly wastes a Roth contribution opportunity for good, since you can never get that calendar year backWhat an ABLE account is, and how it's different from a 529 in a way that matters enormously for a family navigating a new diagnosisWhy a special needs trust often gets layered on top of an existing estate plan rather than replacing it, and the questions worth asking an attorney before that meetingWhy This Matters NowGood financial advice usually comes with fine print that nobody mentions: what to do when the textbook answer doesn't quite fit your actual life. A workplace retirement plan with mediocre fund choices, a temporary low-income window that might not last, a family circumstance nobody could have planned for. The goal isn't finding a perfect answer; it's understanding the real trade-offs well enough to make a confident decision and adjust as life changes. That's true whether the stakes are a few hundred dollars in fees or a lifetime of care for someone you love.From the BasementA Financial Action Month detour into meal planning turns into a genuinely useful AI-assisted grocery hack, plus a spirited debate over Aldi loyalty and the eternal question of what actually counts as a proper turnover pastry. Some debates never get resolved in the basement, and that's exactly as it should be.Resources MentionedStacking Benjamins Field Kit — the all-in-one budgeting, net worth, and subscription tracking toolStacko Financial Action Month board — the interactive game with a money move for each squareThree Money Buckets video — Stacking Benjamins' YouTube Financial Basics courseYell Down the Stairs — submit a question for a future episodeSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Financial Physics rule five asks the uncomfortable question every investor should answer: what is the worst that could happen? Don and Tom revisit leverage in 1929, the crashes of 2000, 2008, and 2020, and the practical defenses that keep a bad market from becoming a ruined plan.Then the questions turn to retirement planning: managing IRMAA while considering Roth conversions, weighing long-term-care insurance against self-insuring, and judging whether a $1.6 million portfolio can support a modest withdrawal despite a pricey advisor.Finally, they untangle the five-year rule when Roth 401(k) money moves to a Roth IRA—and confirm that Tom, not Don, is the resident grump.00:39 Financial Physics rule five: prepare for the worst04:35 Leverage, crashes, and the lost decade06:27 Risk near and in retirement12:23 IRMAA brackets and Roth conversions16:46 Long-term-care insurance or self-insure?22:30 Retirement withdrawals and advisor fees24:34 Roth 401(k) rollovers and the five-year clockQuestions? Comments? Click!
A rule changed on January first that takes the tax deduction away from catch-up contributions for a lot of people who are still working. We'll run through all the 2026 numbers and talk about whether it's still worth doing. In our Listener Question segment, a fellow in Connecticut is worried that the low-income window he's been counting on for Roth conversions may never show up, because his wife is a high earner four years younger than he is. He's come up with a clever workaround. And to close out the show we hear from a retired HR Manager. After building a successful career, he found a meaningful way to give back through Reading Partners, serving as a remote reading tutor for students who need extra support. Resources: Article by Amy Arnott in MorningStar: Should Higher Earners Still Make 401(k) Catch‑Up Contributions? Reading Partners: https://readingpartners.org Connect with Benjamin Brandt: Subscribe to the This Week in Retirement: http://thisweekinretirement.com Get the Retire-Ready Toolkit: http://retirementstartstodayradio.com Work with Benjamin: https://retirementstartstoday.com/start Get the book!Retirement Starts Today: Your Non-financial Guide to an Even Better Retirement Follow Retirement Starts Today in:Apple Podcasts, Spotify, Overcast, Pocket Casts, Amazon Music, or iHeart
Eli Roth's Ice Cream Man promised an unrated throwback packed with gore, mayhem and ice cream-fueled murder. What arrived is one of the most baffling and creatively bankrupt horror releases we have seen in years. On New Movie Monday, Griffey, Heath and Sam dig into a movie apparently made for children, yet far too grotesque for children to watch. We discuss its personality-free villain, juvenile humor, incoherent characters, recycled horror imagery and a finale involving a basement freezer, a necromancer and one extremely convenient grave. Then the debate gets heated as we confront the movie's use of generative AI, Roth's misleading explanation and whether this disastrous launch betrays everything The Horror Section claimed it would represent. Is Ice Cream Man merely a terrible movie, or a warning about where cynical, shortcut-driven horror is headed? We disagree about Roth's intentions, but not the result: this thing is putrid. FULL SPOILERS Support the show, join our community and help select movies for future episodes on Patreon: https://www.patreon.com/c/messedupmoviespod Follow Misfit Parade: https://www.misfitparade.com/ #NewMovieMonday
In this episode of The American Tapestry Project, Andrew Roth explores the rise of the male crooner and how the microphone and radio transformed the American love song between 1925 and 1955. Tracing the careers of Gene Austin, Rudy Vallee, Russ Colombo, Bing Crosby, Lanny Ross, and Frank Sinatra, Roth examines how these singers moved romantic music from the family parlor to the radio and into the homes of millions of Americans. From Austin's intimate vocal style and Vallee's emergence as a national celebrity to Crosby's conversational delivery and Sinatra's emotionally powerful interpretations, the crooners changed not only popular music but also American ideas about romance, intimacy, and masculinity. The episode concludes by looking at Sinatra's lasting influence and sets the stage for the next chapter of the story, featuring Perry Como, Dick Haymes, Nat King Cole, Dean Martin, Eddie Fisher, and Tony Bennett.
This month, Say What You Will travels back 40 years to July 1986—a pivotal moment in hard rock history. First up, we examine David Lee Roth's debut solo LP, Eat 'Em and Smile. Backed by a phenomenal virtuoso band featuring Steve Vai, Billy Sheehan, and Gregg Bissonette, Roth set out to prove his artistic identity outside of Van Halen. Four decades later, we re-evaluate the musicianship, songwriting, and dynamic energy of this record to see how it stands the test of time. Next, we dive into Loudness and their landmark sixth studio album, Lightning Strikes. As Japanese heavy metal pioneers breaking through to international acclaim, Akira Takasaki and company delivered precise guitar work and powerful arrangements. We discuss the album's impact, production, and place in the mid-80s hard rock canon. Plus: July 1986 Music News & Context: A deep dive into the major headlines, release schedules, and industry shifts happening forty years ago this month. Original or Cover? Trivia: We put Mark and Dennis to the test in a end-of-episode challenge to see if they can distinguish famous 80s tracks from their original roots. Albums Covered: David Lee Roth – Eat 'Em and Smile (Released July 1986) Loudness – Lightning Strikes (Released July 1986) Please leave a review and subscribe on your podcast platform. Corrections: Disagree?? Send your comments and corrections, and we will read them on the next podcast. https://www.saywhatyouwillpodcast.net/ NEW: Instagram - https://www.instagram.com/say.what.you.will.podcast/ X (Twitter): https://twitter.com/saywhatyouwill_ Join the Facebook group: www.facebook.com/groups/1425817651592700/ Show some love and help with the cost: https://ko-fi.com/saywhatyouwill
8/10/26, Co-Host, writer and editor Megan Zinn Northampton's new school superintendent Annie Azarloza: her personal history, her listening and learning tour, community engagement, the cell phone ban, & working with the School Committee. Mount Holyoke College Professor Joshua Hotaka Roth: his new graphic memoir, co-authored with his father, titled “Lifelines: Art, Memory , Relationship.” Mayors Monday with Holyoke Mayor Joshua Garcia: the Peace Walkers, CAFO finally!, schools & data centers. Corrine Corryat, candidate for the Democratic nomination for First Franklin Representative: the issues and the race.
This week we're covering the growing trend of multi-year Roth conversions.
Poznáte jeho texty – teraz ich budete môcť aj počuť. Každú nedeľu vo svojej podcastovej aplikácii nájdete trochu iný formát Dobrého rána – Roth číta Marca. Eseje a komentáre publicistu Sama Marca v podaní herca Roberta Rotha. Načítaný text: https://www.sme.sk/komentare/c/samozrejme-ze-korcokove-peniaze-su-hlupe-pise-samo-marec – Všetky podcasty denníka SME nájdete na sme.sk/podcasty – Odoberajte aj audio verziu denného newslettra SME.sk s najdôležitejšími správami na sme.sk/brifingSee omnystudio.com/listener for privacy information.
If you have a large IRA balance and retirement is getting closer, your tax bill may be bigger than you expect. This episode breaks down why taxes catch so many retirees off guard and what you can do about it now.Ready to take your next step in retirement planning? Schedule a RetireReady Call at https://bit.ly/3Sy2vxlDownload your copy of the Retiring Today Magazine at https://bit.ly/4nDw5eELoren Merkle, Molly Nelson, and Chawn Honkomp walk through a hypothetical example of a 62-year-old with a $1 million IRA to show how an intentional Roth conversion strategy can reduce their total tax bill over a 20-year retirement. The numbers are specific, the strategy is practical, and the example makes it easy to see how this could apply to your own situation.The conversation also covers how Required Minimum Distributions force taxable income whether you need the money or not, why Social Security timing affects your tax picture more than most people realize, and why historically low tax brackets right now create a window worth paying attention to.The episode closes with six action steps you can take now. Getting a retirement tax strategy, running a Roth conversion analysis, coordinating Social Security, reviewing your investment purpose, planning for health care costs, and thinking about your legacy.--Loren MerkleCFP®, RICP®, Certified Financial Fiduciary®https://merkleretirementplanning.com/staff-members/loren-merkle/Chawn HonkompCFP®, RICP®, Certified Financial Fiduciary®, CPA® https://merkleretirementplanning.com/staff-members/chawn-honkomp/Molly NelsonHost of Retiring Today with Loren Merklehttps://merkleretirementplanning.com/staff-members/molly-nelson/-- This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation.Medicare services provided through MRP Insurance, LLC. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by Elite Retirement Planning, LLC. MRP Insurance, LLC, is not affiliated with or endorsed by any government agency. This is an advertisement for insurance. By responding to the ad, you will be put in contact with a licensed insurance agent offering Medicare Advantage Plans, Medicare Supplement Plans, and Prescription Drug Plans. We do not offer every plan available in your area. Currently we represent [5] organizations which offer [22] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
That vacation, RV, or home renovation you're planning in retirement might cost a lot more than the price tag suggests. One extra withdrawal from your IRA can set off a chain reaction of higher taxes and even surprise Medicare surcharges — for years to come. Robert Brokamp breaks down the hidden math behind retirement spending, and what you can do now to keep more of your money.Key topics discussed:-The tax "snowball" effect: how one year of higher spending can force bigger withdrawals in following years just to cover the tax bill, compounding the cost over time-Uncle Sam loves seniors: tax benefits for the 65-and-older crowd result in a lot of tax-free income – but spending beyond certain levels can result in a quickly accelerating tax bill-Two hidden costs of spending more: how bigger withdrawals can trigger taxes on Social Security benefits and surprise IRMAA surcharges on Medicare premiums-How to soften the blow: why building up Roth assets and paying off debt before retirement can protect you from these tax trapsHost: Robert Brokamp, CFP®, EAEngineer: 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
Free retirement training for people within 10 years of retirement and $1M+ saved. Watch “The Sequoia System Training” here: https://learn.rootfinancial.com/ad021b=======================I've spent 15 years watching retirees blow up decades of saving with decisions that felt harmless in the moment. Not big mistakes. Small ones, repeated for years, that quietly cost people hundreds of thousands of dollars.The retirees who actually get it right aren't the smartest investors or the biggest savers. They just do the same boring things, over and over, starting years before anyone tells them to.This video is 19 of those habits, in the order that actually matters.We're going to cover:- the "tax torpedo" that turns a 12% withdrawal into a 22% one, and why almost nobody checks for it before pulling from their IRA- why I tell clients to start living on their retirement number a full year before they retire, and what usually happens when they try- the marathon analogy that explains why the biggest Roth conversion mistake isn't doing one, it's doing it all at once- the letter I tell every client to write for their spouse, and why not writing it is one of the cruelest things you can leave behind- the trip booking trick that costs you nothing and forces your family to actually follow through- the conversation with your adult children, or your parents, that most people avoid until it's too late--Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Strategy ⬇️Get Started Here.Join the new Root Collective HERE!
On this episode of Exclusively Van Halen, we dig into a Rolling Stone article highlighting 22 different versions of one of Van Halen's most iconic songs — from the original 1984 recording to live performances with David Lee Roth, Sammy Hagar, Gary Cherone, Mitch Malloy, Roth solo, Sammy Hagar & Michael Anthony, Wolfgang Van Halen at the Taylor Hawkins Tribute Concert, David Lee Roth with Foo Fighters, and Roth's 2026 performance with Teddy Swims! Then we jump into the Zeke Clark Collection at Backstage Auctions, which ends TODAY! We're talking Eddie Van Halen studio-used guitars, amplifiers, stage-used picks, crew passes, crew shirts and tons of incredible Van Halen history. Plus, David Lee Roth played Sturgis last night, and we check out the photos! We also take a look at an unreleased Eddie Van Halen photo from Diver Down, recently released by photographer David Bertinelli as a limited-edition fine art print. https://www.davidpbertinelli.com/ And just posted: Alex Van Halen shares a photo of a Van Halen debut 8-track — could it be from his car? All that, plus more Van Halen news and hanging out with the chat, right here on Johnny Beane TV! #VanHalen #EddieVanHalen #DavidLeeRoth #SammyHagar #Panama
Brian celebrates Adam Holz's birthday before diving into a striking review from Plugged In on the horror film Ice Cream Man from director Eli Roth, sparked by Roth's own admission that being traumatized by the movie Alien at age eight inspired his career making horror films. Adam reflects on how deeply entertainment can shape a person's life direction, for better or worse, and why paying attention to what kids and grandkids are watching matters. They wrap up with a review of the new Spider-Man film, discussing its themes of friendship and isolation following the character's memory-erasing sacrifice, along with content notes on violence, language, and suggestive material for parents to weigh.See omnystudio.com/listener for privacy information.
In this episode, Benjamin Lake, CFA®, CFP® and I went rapid fire through the biggest financial debates that come up constantly with clients.Rent vs. buy Lump sum vs. dollar cost averaging Roth vs. traditional Term vs. permanent life insurance Index funds vs. direct indexing Pay off the mortgage early or invest the difference------✅ Financial planning for 30-50 year old entrepreneurs: https://www.allstreetwealth.com✅ My personal blog & newsletter: https://www.thomaskopelman.comDisclaimer: None of this should be seen as financial advice. It is just for informational purposes.
On this episode of Exclusively Van Halen on Johnny Beane TV, we're going back to the legendary 1978 Black Sabbath/Van Halen tour—and one of the craziest stories ever told about David Lee Roth and Ozzy Osbourne!
Rohan's back! Him and Drew both have a sandwich story of woe that simply needs to be told. But, more importantly, Giannis is a Heat! Is Rohan excited? Also, the Dodgers just traded for Tigers ace Tarik Skubal. Why do the Dodgers hate baseball? Finally, they open up the funbag to figure out which hobbies would make the worst full time jobs, and proper elevator etiquette. Do you want to hear your question answered on the pod? Well, give us a call at 909-726-3720. That is 909-PANERA-0!Stuff We Talked AboutDrew's camera angleExperimental aspicsMinnesota jambalayaBullet iceWhen your NBA dads fightSoft-ass handsSponsors- Raycon, where you can get 20% offCredits- Hosts: Drew Magary & David Roth- Producer: Brandon Grugle, Multitude- Editor: Mischa Stanton, Multitude- Production Services & Ads: Multitude- Subscribe to Defector!About The ShowThe Distraction is Defector's flagship podcast about sports (and movies, and art, and sandwiches, and certain coastal states) from longtime writers Drew Magary and David Roth. Every week, Drew and Roth tackle subjects, both serious and impossibly stupid, with a parade of guests from around the world of sports and media joining in the fun! Roth and Drew also field Funbag questions from Defector readers, answer listener voicemails, and get upset about the number of people who use speakerphone while in a public bathroom stall. This is a show where everything matters, because everyone could use a Distraction. Head to defector.com for more info.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Does secularism truly deserve credit for rationality, scientific progress, and tolerance?In this S2S Books interview, author Ryan Roth discusses his new book, *The False Equation: Challenging the Claim that Secularism Equals Rationality and Tolerance*.Ryan examines the historical narrative that equates secularism with reason and progress. The conversation explores objective truth, the relationship between faith and reason, historical revisionism, the scientific revolution, authoritarianism, and what Ryan calls the “moral liberty principle.”Topics include:• The meaning behind the false equation “2 + 2 = 5” • Whether secularism produced modern science and rational thought • The religious convictions of influential Greek philosophers • The Reformation's relationship to literacy and scientific discovery • The contrast between the American and French Revolutions • Why authoritarianism—not religious faith—is the true enemy of liberty • How Christians can confidently contend for truth today Merle Burkholder, who wrote the book's foreword, joins the conversation and helps explore the book's central arguments.https://strengthtostrength.org/product/the-false-equation-ryan-roth/
In this Q&A, Andrew answers eight real listener questions, plus an AI privacy leak that could already have your data sitting in Google search results.
If you’d like to skip past Jim, Chris, and Jacob’s opening chat about Jacob relocating to Iowa, Jim’s hiking plans, weather, office dog Apollo, and generational pop culture gaps, skip ahead to (10:00). Chris’s Summary Jim and I continue our discussion on the Fun Number, joined this time by Jacob as we turn to investment positioning of those pieces. Jacob walks through tracking positions without professional software, using individual fund assignments, spreadsheets, and a two-credit-card approach, plus the liquidity account and fall tax planning. We then cover delay period and post-delay Minimum Dignity Floor investment options, moving from full principal protection in the near term to a lesser degree of it further out. Jim’s “Pithy” Summary Chris and I pick back up on the Fun Number series, this time bringing Jacob on to tackle investment positioning, the piece everybody asks about once they’ve done the math from the first two episodes. Jacob spent years helping me build this from scratch, back when we tracked everything by hand before we ever had access to professional-grade tracking software, and he shares some of the tools do-it-yourselfers can use to keep track of their own toy box of positions without that kind of software. We also dig into the liquidity account, the piece that quietly connects your positions to your actual spending. Jacob’s two-credit-card idea for separating Minimum Dignity Floor from fun spending ties directly into it, and I explain why we do our tax planning once a year, in the fall, rather than guessing all year long. There’s a reason we’d rather convert to a Roth than take a straight withdrawal when refilling that account, and it comes down to what happens if your plans change. Once Jacob turns to investment options for the delay period and post-delay portions of your essential spending needs, we get into how the degree of principal protection shifts depending on how far out that money is needed, from fully protected in the near term to something with a little more market exposure further down the road. This is the heart of what I call the See-Through Portfolio, the whole reason we break things out this way instead of running one big portfolio, and there’s a real difference in how we treat money a couple of years away versus a decade out. The post Investment Positioning Explained: EDU #2631 appeared first on The Retirement and IRA Show.
Looking to take control of your retirement and want to use your IRA or 401K dollars to invest in alternative assets? Book a call with my team at Directed IRA to get started: https://directedira.com/appointment/?utm_source=live&utm_medium=youtube&utm_campaign=wohl_rothira_roth401kIn this episode, I break down the key differences between a Roth IRA and a Roth 401(k) so you can decide where to put your money for maximum long-term, tax-free wealth. We cover contribution limits, the core tax rules that make Roth accounts the most powerful retirement vehicle available, and the critical differences in withdrawal flexibility between the two accounts. We also walk through income limits on Roth IRA contributions, the backdoor Roth IRA strategy for high earners, and how to use both a Roth 401(k) and a Roth IRA at the same time to maximize every tax-free dollar you can legally protect.One of the most underutilized strategies we cover is self-directing your Roth account — instead of being limited to stocks, bonds, and mutual funds, you can invest your Roth dollars into real estate, private companies, private equity, and crypto. An IRA can invest in these alternative assets as long as it is held at a custodian like Directed IRA.For questions or to learn more about this episode's topic, book a call with an IRA specialist here: https://directedira.com/appointment/Interested in learning more about alternative investments? Join us this year at the Alternative Asset Summit October 22 & 23, where you'll hear from industry experts and connect with like-minded investors exploring new ways to build wealth: https://altassetsummit.com/Other:Mat Sorensen: https://matsorensen.comMark J. Kohler: https://markjkohler.com/ KKOS: https://kkoslawyers.comMain Street Business https://mainstreetbusiness.com
Paul and Angela in Florida are 52 and 45. What's the earliest the two of them can walk away from work at the same time, so Paul can spend a whole lot more time in the boat? That's today on Your Money, Your Wealth podcast number 593. Then the fellas spitball for Mike in Riverside. His mom inherited his dad's IRA at age 84. Can she still roll it into her own? Edward in Illinois is watching his bond funds lose value even while they pay him interest, and he's wondering if treasuries are the fix. "Blanche Devereaux" in California is 55 with $1.1M in pre-tax. Should she go all Roth for her last five working years? And "Mr and Mrs Smith" on the Carolina coast want to know if they can afford to retire at age 59.Free Financial Resources in This Episode: https://bit.ly/ymyw-593 (full show notes & episode transcript)LIMITED TIME SPECIAL OFFER: The DIY Retirement Guide! Download yours before the Special Offer changes on Friday, August 7, 2026! https://purefinancial.com/ymyw/#specialoffer9th Annual YMYW Podcast Survey (password ymyw):https://www.surveymonkey.com/r/ymywpodcast2026Your Favorite Money Influencer Might Be Wrong - YMYW TV:https://purefinancial.com/ymyw/episodes/financial-advisors-expose-internets-worst-retirement-strategies/?utm_source=captivate&utm_medium=podcast&utm_campaign=ymyw-tv&utm_content=ymyw-pod-ep593-description-tv-s11e11Financial Blueprint (free, self-guided):https://bit.ly/YMYWblueprintCREQUEST your Retirement Spitball Analysis:https://bit.ly/YMYWaskCDOWNLOAD more free guides:https://bit.ly/YMYWguidesCREAD financial blogs:https://bit.ly/YMYWblogCWATCH educational videos:https://bit.ly/YMYWvidsCSUBSCRIBE to the YMYW Newsletter:https://bit.ly/YMYWnewsletterCConnect With Us:Subscribe on YouTube and join the conversation in the comments:https://bit.ly/YMYW-YTSubscribe or follow YMYW in your favorite podcast app:https://lnk.to/ymywLeave your honest reviews and ratings in Apple Podcasts:https://podcasts.apple.com/us/podcast/your-money-your-wealth/id312900254Chapters: 00:00 - Intro: This Week on the YMYW Podcast00:58 - Nearly $3M at 52 and 45. When Can We Retire Together? (Paul & Angela, FL)12:56 - Mom Inherited Dad's IRA at 84. Can She Still Roll It Into Her Own? (Mike, Riverside, CA)18:13 - Bond Funds Keep Losing Value Despite Paying Interest. Treasuries Instead? (Edward, IL)25:06 - $1.1M Pre-Tax: Roth for the Last 5 Years? (Blanche Devereaux, CA)35:10 - How Much Will We Have by 2030? Is It Enough to Retire at 59? (Mr. & Mrs. Smith, Coastal NC)39:26 - Comment: No NUA Step-Up at Death (Jeff)42:20 - MYGA vs. Immediate Annuity. Is MYGA a CD in Disguise? (Holly, San Francisco)44:18 - Outro: Next Week on the YMYW Podcast
From your 20s to your 60s, the priorities change—but the basic job doesn't. Don and Tom walk through emergency savings, Roth IRAs, 401(k) matches, rebalancing, retirement planning, Social Security, Medicare, and estate planning, decade by decade.Then Mary calls with a smart Roth-conversion puzzle. They weigh whose IRA to convert, how much to move without wasting a low tax bracket, the age-59½ penalty, and why a household's accounts should be managed as one portfolio—even when the spouses have very different tolerances for risk.Finally: whether retirees still need emergency cash, how much umbrella insurance is enough, when a family office begins to make sense, and three near-identical retirement portfolios from a listener in Wagner, South Dakota—whose hometown briefly steals the show.00:25 Tom's brassy choice01:36 Financial priorities, decade by decade02:58 Start early with a Roth IRA04:02 Your 30s: emergency cash and the 401(k) match06:02 Your 40s: fixed obligations and retirement planning09:13 Your 50s: risk, HSAs, and getting on track10:45 Your 60s: Social Security, Medicare, and estate planning14:48 Roth conversions and household asset allocation24:12 Emergency funds in retirement27:01 Umbrella coverage and family offices30:16 Three retirement portfolios from WagnerQuestions? Comments? Click!
Check out Mindy on the Bigger Pockets Money podcast This episode brought to you by Abound Wealth. Take the relationship to the next level and become a client: https://moneyguy.com/become-a-client/ Building wealth is only half the battle—keeping it, enjoying it, and avoiding costly financial blind spots is where the real challenge begins. In this special Making a Millionaire collaboration, Brian and Bo sit down with Mindy from BiggerPockets Money and her husband Karl to analyze a nearly $10 million portfolio, uncovering hidden risks like concentration risk, margin loans, Roth conversion opportunities, tax planning, required minimum distributions (RMDs), retirement withdrawal strategies, liquidity planning, and the Achiever's Trap. Whether you're pursuing financial independence, FIRE, retirement planning, or simply want to build lasting wealth through investing and smart tax strategies, this conversation offers practical insights for high-income earners, retirees, and anyone serious about optimizing their financial future without sacrificing the life they've worked so hard to build. Jump start your journey with our FREE financial resources Reach your goals faster with our products Take the relationship to the next level: become a client Subscribe on YouTube for early access and go beyond the podcast Connect with us on social media for more content Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life. Learn more about your ad choices. Visit megaphone.fm/adchoices
Most people only think about taxes twice a year: while filing, and while dreading filing next time. That gap is exactly where expensive surprises are born. Today's episode is a genuine mid-year tax tune-up, the kind of checkup that takes maybe twenty minutes and can quietly save you from an ugly bill, an unexpected penalty, or a refund that wasn't actually a win. No jargon-heavy lecture, just a clear walkthrough of what to check right now while there's still time to fix it.What You'll Walk Away WithWhy a big tax refund last year tells you almost nothing about whether you're on track this yearThe four numbers you actually need to know to build your own mini tax forecast in one sittingHow the IRS "safe harbor" rule works, and the two different percentage thresholds that keep you penalty-freeA common myth about side hustle income that trips up more people than you'd expectWhy switching to a Roth 401k without a plan can quietly blow a hole in your monthly cash flowThe real math behind donor-advised funds, and why writing a check to charity may be leaving money on the tableA simple gut-check for figuring out whether you need a professional or can handle a financial fix yourselfWhy This Matters NowIn your 40s, your financial life usually gets more complicated before it gets simpler: a raise here, a side hustle there, maybe two incomes in the household, maybe a bonus that shows up at an inconvenient time. Each of those changes quietly shifts what you owe, and waiting until April to notice means you've lost your best chance to do anything about it. A twenty-minute check now isn't about becoming a tax expert. It's about making sure next spring is boring instead of stressful, which, when it comes to taxes, is exactly the goal.From the BasementA home AC disaster turns into an unexpectedly useful lesson about getting a second opinion before writing a big check, whether it's for a repair, a service, or apparently, a $3,000 HVAC estimate that turned out to be a $300 fix. Consider it a bonus lesson in trusting your gut when something doesn't add up.Resources MentionedStacking Benjamins Tax Guide — free guide for organizing your mid-year tax reviewStacko Financial Action Month board — the interactive game with a money move for each dayField Kit Finance — track net worth, spending, and subscriptions in one placeDaffy — donor-advised fund platform referenced for charitable giving strategyIRS Estimated Tax Payments — where to make an estimated payment directlySee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
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