Podcasts about Savers

Hans and Brian break down the four-stage framework for infinite banking mastery, drawn from Factum Financial's work observing how practitioners actually use their policies over time.Most people who buy a whole life policy think they're "doing infinite banking." They're not. They're at Stage One—and most never make it past Stage Three. This episode walks through the progression from Saver to Wealth Builder to Business Banker to Infinite Banker, and explains why defining success is the only way to stop chasing "more" forever.The conventional approach to money says sacrifice now, maybe live on rice and beans, and hope for abundance at 65. The infinite banking model allows you to live in abundance now while building exponentially greater wealth for future generations—but only if you understand what stage you're in and where you're actually going.Chapters: 00:00 - Opening segment03:40 - Why most life insurance is just a drawer document04:50 - Stage One: The Saver (financial education, awareness, saving strategy)06:30 - Why getting the policy doesn't make you proficient08:00 - Stage Two: The Wealth Builder (adding debt strategy and investing strategy)11:15 - Understanding policy loan mechanics and efficient cash flow capture12:00 - Multiple uses of your dollar: saving and debt repayment simultaneously12:35 - Stage Three: The Business Banker (comprehensive integration)14:00 - Raising deductibles and optimizing cash flow across all insurance16:05 - Asset protection and trust structures17:35 - The synergistic effect when investing strategies tie back into the system18:00 - Stage Four: The Infinite Banker (maximum control and financial freedom)18:25 - Jason Lowe's family with 77 policies financing nothing through banks20:05 - The five areas of life: spiritual, personal, family, financial, occupation22:35 - Hans's financial goals: zero budget on health/longevity and slow travel24:30 - Why you need to get comfortable with material goals26:00 - Finance as the area that spreads across everything else27:35 - Even a simple quiet life requires getting financial loose ends tied up29:10 - Leaving disorder vs leaving a legacy31:30 - Identifying which stage you're in and continuously optimizing32:25 - Recap of the four stages32:35 - Contrasting with the conventional "no control" financial planning model34:40 - Closing thoughts Key Takeaways:Stage One - The Saver: Getting the policy in place with financial education, awareness, and a saving strategy. Understanding why you have a term rider, what your MEC limit is, and the basic structure. Many clients can't fully explain these elements a year after purchase—that's normal, but it means you're still at Stage One.Stage Two - The Wealth Builder: Adding debt strategy and investing strategy on top of the whole life chassis. Using policy loans efficiently, understanding being your own banker, and making your dollars work in multiple places simultaneously. Most Remnant Finance clients are here.Stage Three - The Business Banker: Treating family cash flow like a business. Comprehensive integration of cash flow management, optimized insurance strategies (raising deductibles to maximize inflows), asset protection, and trust structures. The synergistic effect where investments flow back into the entire system.Stage Four - The Infinite Banker: True financial freedom with maximum control over your entire financial life. Multi-generational legacy where the next generation understands and participates. Visit https://remnantfinance.com for more informationFOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance )Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588 )Twitter: @remnantfinance (https://x.com/remnantfinance )TikTok: @RemnantFinanceDon't forget to hit LIKE and SUBSCRIBEGot Questions? Reach out to us at info@remnantfinance.com or book a call at https://remnantfinance.com/calendar !

Everyone is familiar with the "savers and spenders" dichotomy: some people identify as savers and others spenders, the implication being that spenders are irresponsible with money and savers are wise and frugal. As Jesse has argued, it's a false dichotomy. In fact, YNAB's overarching goal is to help everyone become a "spender" -- a wise spender whose spending is in alignment with their priorities. A good spender knows exactly what he or she is spending for; she gives every dollar a job.   When you look at money through this lens, everything is spending, including savings. Savings is just future spending, by you or someone else that you leave your money to. Good savers are good spenders, ultimately.   Watch The Jesse Mecham Show on YouTube: https://www.youtube.com/@jessemechamshow   Got a question for Jesse? Send him an email: askjesse@ynab.com   Sign up for a free 34-day trial of YNAB at www.youneedabudget.com   Follow YNAB on social media: Facebook: @ynabofficial Instagram: @ynab.official Twitter/X: @ynab Tik Tok: @ynabofficial  

In today's small business landscape, nothing is business as usual. Economic pressures, shifting policies, and the pace of innovation are changing how entrepreneurs survive and thrive, especially those navigating the public sector.In this episode we turn to the DC Small Business Development Center to explore how they're meeting the need in this moment. With a mission rooted in hands-on guidance, deep partnerships, and real-world experience, the DC SBDC is helping local businesses move from uncertainty to action – and we're diving into what that support really looks like today.Guest Bio:Mr. Carl Brown is the State and Executive Director of the DC Small Business Development Center at Howard University, bringing 25+ years of experience in HR, marketing, procurement, and government contracting, including roles at Verizon, Pepsi, and in federal and local government as a warranted contracting officer. He is also the creator and host of The Small Business Report on SiriusXM, with insights featured in The Wall Street Journal, MSNBC.com, and The Washington Informer, and is known for developing the financial literacy comic series Sammy the Saver. As a speaker, coach, and media voice, he brings a comprehensive, real-world perspective on how small businesses grow and thrive.Call(s) to Action:Visit dcsbdc.org to schedule a session or explore upcoming workshops. Not in DC? Find your local SBDC anywhere in the country at americassbdc.org.Help spread the word about Unveiled: GovCon Stories: https://shows.acast.com/unveiled-govcon-storiesDo you want to be a guest or recommend a topic that you would like to learn or hear about on the podcast? Let us know through our guest feedback and registration form.Links:DC SBDC: www.dcsbdc.orgThe Small Business Report The Small Business Report on Sirius XM Channel 141: https://www.thesmallbusinessreport.biz/ Sammy The Saver - Financial Literacy Superhero: https://www.sammythesaver.com/Sponsors:The views and opinions expressed in this podcast are solely those of the hosts and guests, and do not reflect the views or endorsements of our sponsors.Withum – Diamond Sponsor!Withum is a forward-thinking, technology-driven advisory and accounting firm, helping clients to be in a position of strength in today's complex business environment. Go to Withum's website to learn more about how they can help your business! Hosted on Acast. See acast.com/privacy for more information.

On today's show... The traffic light boundaries Time to talk shop-ping. WHY the extra line…at the lineup? Are you a ‘Special Day’ saver? Bad news for women: turns out it's good for us to be.... One of the big dating trends for 2026 Inside first OR outside first……when it comes to the holidays…..? The parenting year that’s trending…..

Marcas Grant, Michael F. Florio, and LaQuan Jones start the show with the latest news. First, they discuss Justin Herbert’s broken hand and which Chargers pass catchers they would play in fantasy if Trey Lance becomes the starting quarterback (8:12). Then they share their expectations for Jayden Daniels if he returns in week fourteen (11:11). They also consider whether Shadeur Sanders is worth streaming against the Titans this week (17:04). After the break, the guys answer the biggest questions from week thirteen, including whether to bench Lamar Jackson and if Chuba Hubbard is back (21:48). Then they share their potential season savers—the guys who could step up for you this week and get you into the fantasy playoffs with four NFL teams on bye (32:25). They close the show by sharing their drop zone candidates (1:01:21) and their waiver wire pickups of the week (1:06:36). The NFL Fantasy Football Podcast is a part of the NFL Podcasts Network.See omnystudio.com/listener for privacy information.

Marcas Grant, Michael F. Florio, and LaQuan Jones start the show with the latest news. First, they discuss Justin Herbert’s broken hand and which Chargers pass catchers they would play in fantasy if Trey Lance becomes the starting quarterback (8:12). Then they share their expectations for Jayden Daniels if he returns in week fourteen (11:11). They also consider whether Shadeur Sanders is worth streaming against the Titans this week (17:04). After the break, the guys answer the biggest questions from week thirteen, including whether to bench Lamar Jackson and if Chuba Hubbard is back (21:48). Then they share their potential season savers—the guys who could step up for you this week and get you into the fantasy playoffs with four NFL teams on bye (32:25). They close the show by sharing their drop zone candidates (1:01:21) and their waiver wire pickups of the week (1:06:36). The NFL Fantasy Football Podcast is a part of the NFL Podcasts Network.See omnystudio.com/listener for privacy information.

Howard, Lloyd and Ahsan look back on the weirdest of Saturday afternoons. What, why and how, ramifications, Fulham, title races and more. *This is the first 10 minutes of the show. For the full episode, and all our other content on the 93:20 player, you can join below - for less than the price of a pint of beer each month.* ninetythreetwenty.com/9320-player/about-9320-player/

Watch The X22 Report On Video No videos found (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:17532056201798502,size:[0, 0],id:"ld-9437-3289"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");pt> Click On Picture To See Larger PictureCanada just folded and is now doing what Trump wants in regards to steel and aluminum, Trump has all the leverage. The Dept of Labor confirms that Americans were being replaced in the work field. Trump is set to push homeownership thru the roof with a  50 year mortgage. Trump has the solution to the affordability crisis that the [CB] created, get rid of the [CB]. Trump is dismantling the [DS] world wide. The criminal syndicate was setup in many countries to make it virtually impossible to dismantle. But it is being done through peace through strength. The [DS] system is being strangled and soon those who have been held captive will be removed or come to heel. Trump is now setting the stage to bring the [DS] to justice. He has now voided out 92% of Biden orders, which means judges, other nominees will be removed. Justice is coming and the [DS] players are panicking. Economy Interesting Development – Canadian Prime Minister Mark Carney Announces New Limits on Foreign Steel and Aluminum, With New 25% Tariff on Steel Derivative Components   Prime Minister Mark Carney is conceding defeat to President Trump and positioning the Canadian economy to be compliant with U.S-Mexico trade regulations. However, Carney is not saying that, indeed he cannot; he's spent over a year telling Canadians that President Trump's trade and economic demands are not going to be accepted by Canada.  However, what he is factually doing is exactly what President Trump has demanded. Prime Minister Carney is saying he is restricting Steel and Aluminum imports from non-free trade agreement countries, and he is lowering the tonnage of Steel and Aluminum that will be permitted for import.  His claim is that this approach will help drive up “domestic demand” for Canadian Steel and Aluminum, but that's ancillary to the real objective. President Trump has demanded Canada stop importing cheap steel and aluminum mostly from China; including manufactured component goods that are made with steel and aluminum (think autos).  Canada would not stop, because they could not stop.  Their manufacturing base, green energy and climate change economy, is more of a component assembly system now. So, President Trump hit Canada with a 35% tariff, and things got ugly.  In June Trump raised the tariff to 50%. The back and forth has gone on all year. Carney now announces restrictions on imported steel and aluminum, as well as restrictions on imported derivative goods that come from steel and aluminum, in combination with a spending plan to bolster the Canadian steel and aluminum manufacturing base.  This ends up shifting the Canadian industrial sector to making steel and aluminum products without Chinese import dependency. Source: theconservativetreehouse.com https://twitter.com/USDOL/status/1994841467345670569?s=20 https://twitter.com/unusual_whales/status/1994556411439976468?s=20 (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:18510697282300316,size:[0, 0],id:"ld-8599-9832"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs"); https://twitter.com/KobeissiLetter/status/1994918010197278811?s=20 https://twitter.com/SecScottBessent/status/1994478437042438573?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1994478437042438573%7Ctwgr%5Ee930cbbc1182e7871f84fda0a85e43c6c0f2ca9c%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2025%2F11%2Ftreasury-working-cut-benefits-money-transfers-illegal-aliens%2F   are no longer available to illegal and other non-qualified aliens, covering the Earned Income Tax Credit, the Additional Child Tax Credit, the American Opportunity Tax Credit, and the Saver's Match Credit. https://twitter.com/unusual_whales/status/1994064168115478599?s=20 https://twitter.com/unusual_whales/status/1994844057110262116?s=20   Prices and Taxes are DOWN. Education is being brought back to the States (where it belongs!), and our Military, and Southern Border, is the strongest they have ever been. The USA is respected again, respected like never before. All of this was brought about by Strong Leadership and TARIFFS, without which we would be a poor and pathetic laughingstock again. Evil, American hating Forces are fighting us at the United States Supreme Court. Pray to God that our Nine Justices will show great wisdom, and do the right thing for America! Political/Rights https://twitter.com/amuse/status/1994796365461758352?s=20   public that illegal entry violates 8 U.S.C. §1325 and reentry after deportation violates §1326, a felony the left avoids acknowledging. He said 60–70% of illegal aliens arrested in immigration sweeps carry prior criminal or immigration histories. With DHS logging over 527,000 deportations in 2025, Trump's enforcement surge is targeting high-risk offenders. Bovino said the radical left simply ignores the law because it undermines their narrative. DOGE Trump White House Unleashes Media Bias Tracker to Crush Fake News Narratives  The Trump administration has launched a brand-new “Media Bias Tracker” directly on the White House website. Unveiled on Friday, this tool is designed to call out and document the endless stream of false, misleading, and biased stories peddled by outlets that have spent years attacking President Donald Trump and his agenda. According to the White House, the tracker serves as a “record of the media's false and misleading stories flagged by The White House.” The tracker highlights “offenses” from major news publications, including an “Offender Hall of Shame” and a leaderboard ranking the worst culprits in spreading misinformation. Described as “a race to the bottom,” this feature ranks outlets based on repeat offenses. Topping the Hall of Shame list is The Washington Post, followed by rebranded leftist mouthpieces like MSNBC (now MS NOW), CBS News, CNN, The New York Times, Politico, and The Wall Street Journal. In response to their top spot, a spokesperson for the Washington Post said, “The Washington Post is proud of its accurate, rigorous journalism.” The page also features a “Media Offender of the Week,” currently blasting outlets for exaggerating Trump's calls to hold Democrats accountable for their seditious behavior. Source: thegatewaypundit.com https://twitter.com/newstart_2024/status/1994506579660689812?s=20  entire Silicon Valley “tech wife mafia” and how they were used. Her exact words (full clip attached): “I don't think many of the tech mafia wives realize… they were used to set the groundwork for what Klaus Schwab calls The Great Reset. Their money especially was being conscripted through a network of NGO advisors, Hollywood, Davos, and their own companies. A really small group of people… completely blind to how their groundwork is being used to enable these Great Reset policies.” Then she turns the knife inward: “These women find their meaning through philanthropic work. I really believed I was helping Black communities and indigenous communities rise up. But now the problems have gotten worse. Crime worse. Mental health worse. The whole model is broken. At the end of the day they always go: ‘But climate change.' Social justice + climate change — it gets progressive women 100% of the time.” She even says many now believe the biggest “climate change issues” are actually geoengineering issues. This isn't some random podcast bro. This is a woman who lived in the mansions, sat on the boards, flew private to Davos parties… and is now saying: “We were the useful idiots.” Geopolitical https://twitter.com/elonmusk/status/1994936233878065399?s=20   with a legally possessed shotgun at a Florida shooting range, a British man was arrested, locked in a cell overnight, interrogated, and lectured that he “must understand how posts make people feel.” Police seized his computer and phone, wiping out his ability to work. Weeks later, all charges were quietly dropped because they were baseless from the start. Critics say the ordeal proves the UK has turned social media into a surveillance trap where innocent people are punished by process alone. https://twitter.com/amuse/status/1994781531244474604?s=20   terrorizing AfD. Antifa extremists descended on an AfD youth event in Giessen, attacking attendees and Bundestag member Julian Schmidt in a coordinated effort to intimidate the rising populist party. Germany has faced a wave of Antifa terror: doxxing AfD addresses, firebombing cars and threatening families. Mike Benz says Antifa is part of a transnational Marxist network weaponized since Trump's 2016 victory to shield globalist interests by attacking democratic populist movements across the West. Violence increases as AfD gains support. War/Peace   roads. His chief opponent is Rixi Moncada, who says Fidel Castro is her idol. Normally, the smart people of Honduras, would reject her, and elect Tito Asfura, but the Communists are trying to trick the people by running a third Candidate, Salvador Nasralla. Nasralla is no friend of Freedom. A borderline Communist, he helped Xiomara Castro by running as her Vice President. He won, and helped Castro win. Then he resigned, and is now pretending to be an anti-Communist only for the purposes of splitting Asfura's vote. The people of Honduras must not be tricked again. The only real friend of Freedom in Honduras is Tito Asfura. Tito and I can work together to fight the Narcocommunists, and bring needed aid to the people of Honduras. I cannot work with Moncada and the Communists, and Nasralla is not a reliable partner for Freedom, and cannot be trusted. I hope the people of Honduras vote for Freedom and Democracy, and elect Tito Asfura, President!   potential, of Honduras! Additionally, I will be granting a Full and Complete Pardon to Former President Juan Orlando Hernandez who has been, according to many people that I greatly respect, treated very harshly and unfairly. This cannot be allowed to happen, especially now, after Tito Asfura wins the Election, when Honduras will be on its way to Great Political and Financial Success. VOTE FOR TITO ASFURA FOR PRESIDENT, AND CONGRATULATIONS TO JUAN ORLANDO HERNANDEZ ON YOUR UPCOMING PARDON. Thank you for your attention to this matter. MAKE HONDURAS GREAT AGAIN! PRESIDENT DONALD J. TRUMP https://twitter.com/DataRepublican/status/1994907658021998933?s=20   a crisis. International law has no force here. Your authority, mine, and that of the scholars you cite sits on the same level: none. It is all gatekeeping dressed as expertise. The video urging people to ignore “illegal orders” made your intent clear. You stretch the term until it covers anything that suits your goal of weakening the security apparatus and pushing Trump out of office. People see that. They see you. That you all are walking free and making those posts trying to advance a color revolution is the ultimate proof that Trump is not an authoritarian… he is far too lenient. https://twitter.com/CynicalPublius/status/1994807665147744671?s=20 https://twitter.com/SecWar/status/1994552598142038358?s=20  intended to be “lethal, kinetic strikes.” The declared intent is to stop lethal drugs, destroy narco-boats, and kill the narco-terrorists who are poisoning the American people. Every trafficker we kill is affiliated with a Designated Terrorist Organization. The Biden administration preferred the kid gloves approach, allowing millions of people — including dangerous cartels and unvetted Afghans — to flood our communities with drugs and violence. The Trump administration has sealed the border and gone on offense against narco-terrorists. Biden coddled terrorists, we kill them. Our current operations in the Caribbean are lawful under both U.S. and international law, with all actions in compliance with the law of armed conflict—and approved by the best military and civilian lawyers, up and down the chain of command. Our warriors in SOUTHCOM put their lives on the line every day to protect the Homeland from narco-terrorists — and I will ALWAYS have their back. https://twitter.com/TimOnPoint/status/1994570386239852571?s=20   is probably closer to the SECWAR's office in the Pentagon. The Washington Post begins writing the story. C) a Soros-funded NGO puts billboards up encouraging military personnel to report unlawful orders… although there are no unlawful orders identified. D) out of nowhere, the Seditious Six – which includes one presidential hopeful and one former IC member who had direct involvement in the original attempt to destroy Trump – delivers to social media a “don't give up the ship” video – a public service announcement to all personnel to refuse unlawful orders. *** the video was funded and produced a Soros funded NGO. E) Senator Slotkin, the former CIA ghoul, goes on the news and is very careful to state that she can't identify any unlawful orders that have been given. F) boom, the WaPo delivers the story claiming unlawful orders. G) Friday evening, everyone on the left hits social media – with paid amplification – about the unlawful orders. H) the Sunday shows will be filled with calls for war crimes charges, impeachments, and resignations. All a coincidence, right? None of it was coordinated, right? Not all civil wars happen on the battlefield. https://twitter.com/PeteHegseth/status/1994553202767700041?s=20  https://twitter.com/sentdefender/status/1994957376764424644?s=20   House through a number of channels, with ongoing discussions about what future communication between the two countries might look like, multiple administration officials told CNN. Venezuela Issues Statement After President Trump Orders All Aircraft to Avoid Regime-Controlled Airspace   In Venezuela's statement, the regime accused the United States of attempting to “intimidate Venezuela” and framed Trump's announcement as an attack on Latin America as a whole. The press release ignored every factual concern raised by U.S. intelligence, including increased military involvement in cocaine transport and the regime's long-standing partnership with the Cartel of the Suns. Today's outburst from the Maduro regime is another example of Venezuela deflecting blame while its role in regional crime expands. Meanwhile, President Trump's position is clear: protect international aviation, disrupt drug networks, and stop allowing a criminal regime to use its airspace as a staging ground. Source: thegatewaypundit.com https://twitter.com/GhostEzraQ/status/1994769781073867174?s=20   Pentagon for decades. Who do you think really armed the Venezuelan “gangs” that flooded swing states right before the election? Who flew the untraceable Gulfstreams full of product and kids out of Maturín and Maiquetía while Biden looked the other way? Same people who ran Iran-Contra, fast-forward 40 years. Trump isn't just closing airspace, he's cutting the oxygen to the deep-state money laundering superhighway that's been funding black sites, color revolutions, and child trafficking networks across the hemisphere. Land operations begin “VERY SOON.” Translation: The white hats are moving in to seize the servers, the tunnels, and the ledgers the mockingbird media swore didn't exist. The storm over Caracas is about to expose everything. https://twitter.com/xAlphaWarriorx/status/1994912948201165251?s=20   just talk…he'll detonate his/deep states entire network. Many are struggling with discernment, but the strategic reality is simple: Maduro hasn't controlled Venezuela for years. The deep state held the reins. Then the guardians caught him, flipped him and weaponized the façade of control against the deep state. They may publicly acknowledge it; they may bury it. But the aftermath will speak for itself. In the days immediately following his surrender or “death,” watch the information floodgates burst wide open…especially involving U.S. elections. The timing will be surgical. The disclosures will be coordinated. And the narrative collapse will be unmistakable. Zelensky’s Sacked Top Aide ‘Escapes’ To Front-Line To ‘Hide’ From Corruption Investigators  Andriy Yermak, the man who until just over 24 hours ago was Zelensky’s right hand man and the president’s top most powerful aid as chief of staff, and Ukraine’s appointed chief negotiator with the US on the peace process, is going to the front lines, apparently to “fight”. After his home and offices were raided by Ukraine’s anti-corruption investigators Friday related to the ongoing massive energy sector kickback scandal, Yermak announced by text message to The New York Post, “I'm going to the front and am prepared for any reprisals.” He followed with, “I am an honest and decent person.”  According to the lengthy analysis [emphasis ZH]:  Zelensky's fixer, enforcer, gatekeeper, and indispensable ally, isn't a “corruption scandal.” It's Washington slapping the table. NABU, the U.S.-trained attack dog of Ukrainian politics, didn't raid the Presidential Office by accident.It raided to remind Zelensky that the war isn't his to command, the peace process isn't his to veto, and the leash around Bankova Street is held in Washington, not Kiev and certainly not European chihuahuas. Because the real story isn't Yermak's resignation. The real story is the West turning on itself over how to end a war Russia has already won.      Source: thegatewaypundit.com Ukrainian Delegation Arrives in the US To Meet Secretary Rubio, Witkoff and Kushner for Peace Talks  Kiev regime leader Volodymyr Zelensky announced Saturday (29) that a peace talks delegation was on its way to the United States. The Ukrainian team, now headed by former Defense Minister and Security Council Secretary Rustem Umerov, will continue talks today (30) on an agreement to end the war with Russia. Zelensky expects that these talks, to be held tomorrow (30) to develop upon the previous meeting in Geneva. “U.S. Secretary of State Marco Rubio, special envoy Steve Witkoff and U.S. President Donald Trump's son-in-law Jared Kushner will meet Ukrainian officials on Sunday in Florida, a senior U.S. official told Reuters.” Source: thegatewaypundit.com https://twitter.com/MZHemingway/status/1994835005357576325?s=20 https://twitter.com/WarClandestine/status/1994938711729938444?s=20 Medical/False Flags https://twitter.com/ImMeme0/status/1994907732890325212?s=20   let millions of illegal aliens pour into the country? But sure, keep acting like Americans are too stupid to notice what's actually going on. You really think people are that dumb, don't you? https://twitter.com/BretWeinstein/status/1994904606913302874?s=20  medicine, the debut of a lethal new vaccine platform, shredding of the First Amendment, and robotic pens used to brazenly pardon criminal masterminds—all lurk just below the surface. Thanks to @VPrasadMDMPH for stepping up.    win the Midterm Elections in RECORD NUMBERS. I AM THE AFFORDABILITY PRESIDENT. TALK LOUDLY AND PROUDLY! President DJT https://twitter.com/MrAndyNgo/status/1994939951293895094?s=20 [DS] Agenda  President Trump's Plan https://twitter.com/julie_kelly2/status/1994543710437007421?s=20   DC) is the basis of the contempt investigation. Kash Patel says all contents of FBI Trump-Russia burn bags will be made public FBI Director Kash Patel says the contents of the burn bags containing Trump-Russia documents discovered at the FBI building will be made public one way or another. “You're going to see everything we found in that room in one way or another, be it through investigation, public trial, or disclosure to the Congress,” Patel told The Epoch Times in an interview with reporter Jan Jekielek that will air Saturday. The bureau said that the classified information was stashed away in a room at FBI Headquarters and was related to Crossfire Hurricane and also other FBI inquiries into President Donald Trump and his allies. Patel previously said that the FBI had found “several bags” containing evidence related to the Russiagate investigation. One electronic communication made public by the Justice Department in court filings related to the prosecution of former FBI Director James Comey earlier this month indicated the FBI began a preliminary investigation into the discovery this summer. Source: justthenews.com https://twitter.com/EricLDaugh/status/1994913285259272493?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1994913285259272493%7Ctwgr%5Ef8c44fa6520e3b2f5c1b1f5de5158fa619710e1c%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fredstate.com%2Fnick-arama%2F2025%2F11%2F29%2Fpass-the-popcorn-kash-patel-has-intriguing-news-about-comey-case-and-those-burn-bags-n2196663   tuned for right after Thanksgiving. And you’ll see multiple responses…” @FBIDirectorKash https://twitter.com/RonDeSantis/status/1994967913636528531?s=20 https://twitter.com/MarioNawfal/status/1994582862176149809?s=20  fundraisers. Limiting events. Stage-managing appearances. Reducing his workload. Avoiding interviews. Even recruiting Hollywood directors Steven Spielberg and Jeffrey Katzenberg to help with the State of the Union. They controlled everything, including who could see him. This wasn’t a presidency. It was a production. The 91-page committee report found Biden’s “inner circle” took steps to “meticulously stage-manage” his public appearances, lighten his private workload, and block lawmakers from talking to him directly. Three key aides took the Fifth Amendment when questioned, including White House physician Dr. Kevin O’Connor, who refused to answer: “Were you ever told to lie about the president’s health?” Former Chief of Staff Jeff Zients admitted under oath he didn’t even know who operated the autopen that signed approximately 92% of Biden’s documents. Trump has now declared all autopen-signed executive actions “NULL AND VOID” and threatened Biden with perjury charges if he claims he authorized them. The same people who called you a conspiracy theorist for questioning Biden’s fitness were stage-managing his every movement. They knew. They all knew. And they lied to your face for four years. TIMESTAMPS: 0:22 – Panicked Donor Calls Chief of Staff Immediately After Biden Fundraiser 1:33 – Zients Confession: “Age is the Most Difficult Issue” 2:37 – Why Spielberg and Katzenberg Were Secretly Brought In 5:30 – The Makeup and “Discipline” Strategy to Hide Biden’s Decline 7:05 – The Real Reason Biden Dodged Super Bowl Interview 9:58 – Staff Ordered to Reduce His Steps After Multiple Falls Source:   directly signed by Crooked Joe Biden, because the people who operated the Autopen did so illegally. Joe Biden was not involved in the Autopen process and, if he says he was, he will be brought up on charges of perjury. Thank you for your attention to this matter! https://twitter.com/JoeLang51440671/status/1994860387108340010?s=20 (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:13499335648425062,size:[0, 0],id:"ld-7164-1323"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="//cdn2.customads.co/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");

What does the Reserve Bank's Official Cash Rate (OCR) mean for your mortgage, savings, and investment decisions? Nigel Grant (Head of Wealth Products, ASB) is joined by Chris Tennent-Brown (Senior Economist, ASB) and Manu Batra (Head of Home Lending Products, ASB) to unpack the latest OCR decision and what it means for Kiwi borrowers and savers. They break down why mortgage rates don't always move in step with the OCR, and how to balance lending and savings strategies as market conditions evolve.

In this solo, right-on-time episode, Kathi Lipp shares 10 tiny, high-impact tasks to lower your holiday stress—perfect for the Tuesday before Thanksgiving (and just as helpful for Christmas). Instead of chasing a magazine-perfect home, she helps you remove friction in the exact places that cause chaos. Listeners will hear details of the following 10 small tasks:Clear the "turkey triangle" (sink, oven, main counter)Do a 10-minute fridge edit that saves sanity on ThursdayPre-assign serving dishes so helpers don't need to ask what goes whereSet up a drink and appetizer station away from the kitchenPrep trash/recycling/compost in advancePost a simple Help List so guests can actually helpGuest bathroom resetCreate a landing zone for coats and bagsDecide on a dishes-and-cleanup plan now, and...Doing one kind thing for "Friday you"—like setting aside leftovers containers and pre-loading the coffee maker.If you're feeling behind, this episode meets you with grace and gives you a clear, doable path to a calmer holiday—without the perfection pressure.

The holidays can feel like a tug-of-war between magic and meltdown. We get honest about why so many of us abandon self-care this time of year, how that choice ripples through our homes and teams, and what it looks like to lead with a regulated nervous system instead of white-knuckling for perfect moments. You'll hear a candid story of snapping, apologizing, and noticing how depletion breeds reactivity—and how a small pivot toward calm changes the entire room.We unpack a simple framework to reset your mornings and your mindset: SAVERS from Miracle Morning—Silence, Affirmations, Visualization, Exercise, Reading, and Scribing. No heroics required. Start with minutes, not hours. Learn how present-tense affirmations tied to your why stick, why visualization primes the brain like a rehearsal, and how even light movement boosts mood and focus. We also share easy, free body check-ins: scheduled reminders to unclench your jaw, drop your shoulders, and take a deep breath that flips your system from fight-or-flight to rest-and-digest.This conversation is about presence over perfection. Say no without guilt. Lower standards that don't matter—cards, flawless decor, scratch-only bakes—so you can raise the ones that do: patience, warmth, attention. Your family won't remember whether the cookies were homemade; they'll remember your tone and your laughter. Your clients don't need you 24/7; they need you clear and present when you are there. Stop waiting for January to feel human again. Choose one boundary and one ritual today, and let your steadier energy set the tone for everyone around you.If this resonated, tap follow, share it with a friend who needs permission to rest, and leave a quick review. What's one thing you'll do differently to protect your energy this season?Thanks for listening! Connect With Me:

In this special four-part series, join Unpacked host Aislyn Greene as she travels to Charleston, South Carolina, to unpack the city's deeper currents. This week: Dive fork-first into Charleston's legendary food scene, where history and flavor collide. From the resurrection of she-crab soup to the recreation of a groundbreaking 1865 dinner that celebrated equality, discover how Charleston's culinary landscape tells the story of African, Native American, and European influences—one delicious dish at a time. In this episode, you'll learn How she-crab soup went from a presidential delicacy to near extinction—and its triumphant return at 82 Queen The powerful story behind Nat Fuller's Feast, an 1865 dinner celebrating emancipation that was recreated 150 years later Why you can find 30 different versions of shrimp and grits in Charleston (and why they're all "fat on fat on fat") The essential Gullah Geechee influences that shape Lowcountry cuisine, from red rice to okra How formerly enslaved people became Charleston's great caterers and shaped the city's culinary identity What distinguishes Lowcountry cuisine from broader Southern cooking Featured Guests Chef Kevin Mitchell: Chef instructor at the Culinary Institute of Charleston, food historian, author, and host of Savers of Flavor Jonathan Kish: CEO of Queen Street Hospitality Group, which owns 82 Queen, Charleston's first fine dining Lowcountry restaurant Lamont Ferrebee: Executive sous chef at 82 Queen Don't miss these moments* [2:50] How Kevin's grandmother's tough love at age 6 launched his culinary career [4:30] The emotional moment when the rain stopped during the Nat Fuller's Feast recreation [7:15] Why turtle soup still haunts food historian Michael Twitty [11:45] The West African okra variety grown specifically for its leaves [17:00] The invention (and resurrection) of she-crab soup [19:30] What happened when 82 Queen tried to change their shrimp and grits recipe *Time stamps are estimated and may change due to programmatic advertising. Dine around Charleston 82 Queen: Experience Charleston's first fine dining Lowcountry restaurant (since 1982) in their magical courtyard setting. Don't miss the award-winning she-crab soup and their unique barbecue shrimp and grits Chef Scholar Dinner Series: Follow Chef Kevin Mitchell on Instagram for a chance to snag tickets to these intimate 16-seat historical dining experiences (April 15th: honoring Chef Patrick Clark) Hannibal's Kitchen: Try their renowned crab rice and other Gullah Geechee classics For dinner, try Fig, Kultura, Lowland, or the Ordinary For coffee, pastries, or breakfast try Page's Okra Grill, Magnolias, Kudu Coffee, or Bad Bunnies Coffee For a cocktail, try Babas, the Seahorse, or the Gin Joint Resources Read the transcript of the episode Plan your trip to Charleston using our guide on afar.com Follow Chef Kevin Mitchell and the Chef Scholar Dinner Series on Instagram @chefkevinmitchell Watch Savers of Flavor to learn about heirloom Southern ingredients Explore more Charleston restaurant recommendations on afar.com, including the best new restaurants and where to find the best Gullah Geechee food. Next Week Join us as we explore Charleston's vibrant music scene and cultural events, from intimate jazz shows to grand performance halls. Stay Connected Sign up for our podcast newsletter, ⁠⁠⁠⁠⁠⁠⁠⁠Behind the Mic⁠⁠⁠, where we share upcoming news and behind-the-scenes details of each episode.  Explore our other podcasts, View From Afar, about the people and companies shaping the future of travel, and ⁠Travel Tales⁠⁠⁠, which celebrates first-person narratives about the way travel changes us. Unpacked by Afar is part of ⁠⁠⁠Airwave Media⁠⁠⁠'s podcast network. Please contact ⁠⁠⁠advertising@airwavemedia.com⁠⁠⁠ if you would like to advertise on our podcast. Learn more about your ad choices. Visit megaphone.fm/adchoices

Are you letting “spendophobia” steal your retirement joy? Certified financial planner Mike Douglas shares seven practical steps to overcome the fear of spending, from building a detailed financial plan to understanding the real purpose of money. Explore how mindset, habits, and life experiences shape your approach to retirement, and learn strategies for making the most of your healthiest years. This episode guides listeners through actionable ways to shift from saving to living. Schedule your complimentary appointment today: MichigansRetirementCoach.com Follow us on social media: YouTube | Facebook | Instagram | LinkedInSee omnystudio.com/listener for privacy information.

Ready to start building a deposit towards your first home? The First Home Super Saver Scheme could help you reach your target faster.This week on the Friends With Money podcast, Money's Tom Watson is joined by Derek Gascoigne, private client adviser at UniSuper, to run through the nuts and bolts of the First Home Super Saver Scheme (FHSSS).00:00 Introduction00:55 Overview of the First Home Super Saver Scheme05:40 Eligibility criteria09:21 How to access your FHSSS contributions14:36 Planning and important considerations17:23 Final thoughts and advice20:15 Conclusion#friendswithmoney #tomwatson #derekgascoigne #superannuation #fhsssPodcast Links:Listen on Apple PodcastsListen on SpotifyMoney WebsiteYouTube Podcast PlaylistEmail Us: podcast@moneymag.com.auGet stories like this in our newsletter: bit.ly/3GDirbRMentioned in this episode:Best of the Best 2026 on sale now!

Markets are unpredictable, but gold keeps breaking records. Could physical gold protect your retirement savings? Here's how investors are adding it to IRAs safely.Visit https://msgoldira.com/ to find out more MsGold IRA City: Cushing Address: 2340 East Main Street Website: https://msgoldira.com

Watch The X22 Report On Video No videos found (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:17532056201798502,size:[0, 0],id:"ld-9437-3289"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");pt> Click On Picture To See Larger Picture Tyson meat packing plant shutting down, they are trying to raise prices of meat. Trump has countermeasures in place. Poverty in Argentina is declining. Trump is using the same tactics that Andrew Jackson used to pay of the debt and remove the [CB] from the US, Trump will be using stablecoins. The [DS] are panicking, the shills on X are being exposed and people are realizing that these individuals are not who they thought they are. Trump has now handed Zelensky and the [DS] players a peace plan, Putin is on board, [DS] move now. Trump is prepping the country for the storm, he knows the [DS] playbook, they are preparing for their insurrection. The storm is building. Economy (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:18510697282300316,size:[0, 0],id:"ld-8599-9832"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs"); https://twitter.com/USRepMikeFlood/status/1992024807488335884?s=20 https://twitter.com/USRepMikeFlood/status/1992024811367985415?s=20 While Tyson plans to shift production to other facilities to maintain overall output and meet customer demand,  the company has also indicated it will reduce its domestic beef production by about 2% in 2026.  This slight net reduction in capacity, combined with ongoing supply constraints expected to persist for at least the next two years, is likely to contribute to sustained or increased beef prices for consumers rather than easing them. broader industry consolidation (four companies control 85% of U.S. beef processing) enables packers like Tyson to maintain higher margins and prices through strategic capacity cuts. @AgroVitaDotOrg https://twitter.com/BehizyTweets/status/1992347064672677988?s=20 https://twitter.com/JoeLang51440671/status/1992017361398870208?s=20   Trump administration says is necessary to ensure federal benefits are limited to those eligible under longstanding law.” “Treasury Secretary Scott Bessent said Thursday that the department will implement new rules defining who may claim income tax credits covered by the 1996 Personal Responsibility and Work Opportunity Reconciliation Act, or PRWORA. The law restricts access to federal public benefits for individuals who are not U.S. citizens or qualifying residents. “Under President Trump's leadership, we are enforcing the law and preventing illegal aliens from claiming tax benefits intended for American citizens,” Bessent told Breitbart.” “The regulation will specify that the refundable portions of the Earned Income Tax Credit, the Additional Child Tax Credit, the American Opportunity Tax Credit and the Saver's Match Credit constitute federal public benefits. As a result, the Treasury Department said, illegal immigrants and other foreign nationals will not be eligible to receive them. “Treasury's Office of Tax Policy and the Internal Revenue Service have worked tirelessly to advance this initiative and ensure its successful implementation,” Bessent said. “Their diligence and professionalism reflect this administration's determination to uphold the integrity of our tax system. We will continue to ensure that taxpayer resources are directed only to those who are entitled under the law.”  https://twitter.com/KobeissiLetter/status/1992308600203542534?s=20   drop in imports in 4 months. At the same time, exports rose slightly, to $280.8 billion, the highest since April. Since March 2025, the goods trade deficit has improved by +$76.8 billion, or +56%. Adjusted for inflation, the merchandise trade deficit narrowed to -$83.7 billion in August, the lowest since the end of 2023. Tariffs are reshaping the US trade.   through the use of their own Tariffs, we don't have a Court System that's going to let you destroy our Country any longer. This is the richest, strongest, and most respected the USA has ever been. November 5th, and Tariffs, are the reasons why. Thank you for your attention to this matter! President DJT How Andrew Jackson Freed America From Central Bank Control… And Why It Matters Now It's hard to believe the United States government was ever debt-free. But it happened once—in 1835—thanks to President Andrew Jackson. He was the first and only president   When he became president, Jackson was determined to rid the US of its national debt. After all, debt enslaves you to your creditors. Jackson knew that being debt-free was essential to independence. This outlook resonated with many Americans back then. With that in mind, Jackson attacked the institutions and powerful people who promoted and enabled the federal debt. This included the banking elites and the Second Bank of the United States, the country's central bank at the time and precursor to today's insidious Federal Reserve system. Jackson couldn't squeeze the American people with a federal income tax to repay the debt. It didn't exist at the time and would have been unconstitutional. He also couldn't simply print currency to pay off the debt. Perpetuating such an insane fraud—which the Fed does on a massive scale today—likely never entered his mind. Instead, Jackson had to rely on tax revenue from other sources, mainly import tariffs and excise taxes, to pay down the debt. He also drastically cut federal spending and frequently vetoed spending bills. Jackson's determination worked. By January 1835, the US was debt-free for the first time. Unfortunately, it didn't last much more than a year. After that, the US would never again be debt-free—not even close. Revenge of the Central Bankers After Jackson succeeded in ending the Second Bank of the United States, anything associated with a central bank became deeply unpopular with the American public. So, central bank advocates tried a new branding strategy.     Source: zerohedge.com Political/Rights https://twitter.com/DHSgov/status/1991603017242603943?s=20  spouse -Domestic battery by strangulation -Coerce with threat of force -Driving on suspended license -Multiple DUIs -Possession of a controlled substance. This domestic abuser and serial drunk driver refused to pull his vehicle over and begin to dangerously try to flee law enforcement. The criminal illegal alien turned on the street where the school was located while driving at an extremely high rate of speed—endangering children, other drivers, and the public. He collided with another vehicle and fled on foot. This public safety threat remains at large. These journalists should be ashamed of themselves for demonizing American law enforcement with disgusting smears. https://twitter.com/EricLDaugh/status/1992041567687708925?s=20   OVERRIDES a law that allowed these documents to remain sealed. HUGE BACKFIRE on the left. https://twitter.com/TheSCIF/status/1992089750812119197?s=20 DOGE Geopolitical War/Peace https://twitter.com/StateDeputySpox/status/1992400253547651236?s=20 The leaked 28-point peace plan, proposed by the Trump administration to end the Ukraine-Russia war, has sparked significant controversy due to its perceived favoritism toward Russia, including provisions for Ukraine to cede additional eastern territory, cap its military size, and potentially limit NATO aspirations in exchange for a ceasefire and security guarantees. axios.com The plan emerged from weeks of secret U.S.-Russia negotiations, including a Miami meeting involving Trump envoy Steve Witkoff, Jared Kushner, and sanctioned Russian official Kirill Dmitriev, which bypassed key U.S. bodies like the State Department and National Security Council.   It was presented to Ukraine with a Thursday deadline from Trump for acceptance, though he noted it wasn’t a “final offer,” amid ongoing talks in Geneva between Rubio, Witkoff, and Ukrainian officials. Regarding Marco Rubio’s involvement as Secretary of State, initial reports indicated he distanced himself from the plan during a phone call with a bipartisan group of U.S. senators (including Mike Rounds and Angus King), describing it as a “Russian wish list” rather than an official U.S. position, and clarifying it was merely a document passed along from Moscow.  However, Rubio and the State Department later publicly reversed this stance, insisting the plan was “authored” by the U.S. with input from both Russian and Ukrainian sides, denying claims of purely Russian origins and calling such assertions “blatantly false.”  This flip-flop has fueled criticism of incompetence and internal disarray in the administration, with European allies like Poland questioning the plan’s true authorship, and figures like Boris Johnson labeling it a “betrayal” and “military castration” of Ukraine.  Recent updates suggest the draft has been revised to better reflect Ukraine’s priorities, per NSDC Secretary Rustem Umerov, potentially in response to backlash https://twitter.com/marcorubio/status/1992413078160617849?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1992413078160617849%7Ctwgr%5E0f66861c566f50b41a9af07d57fe1e73a72fec8b%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fredstate.com%2Fwardclark%2F2025%2F11%2F23%2Fa-new-wrinkle-secstate-distances-us-from-unacceptable-ukraine-proposal-n2196487 https://twitter.com/WarClandestine/status/1991899588241076591?s=20 https://twitter.com/kadmitriev/status/1991935021259919768?s=20 https://twitter.com/InsiderGeo/status/1991818640467874060?s=20  why also they are pushing maximalist demands.From their perspective, it's simple: if Ukraine accepts, they achieve their goals immediately. If not, they continue the war, applying pressure slowly but steadily, and over time aim to extract even more concessions as Ukraine faces increasing military challenges https://twitter.com/WarClandestine/status/1992287640498868350?s=20    Term in Office. Putin would never have attacked! It was only when he saw Sleepy Joe in action that he said, “Now is my chance!” The rest is history, and so it continues. I INHERITED A WAR THAT SHOULD HAVE NEVER HAPPENED, A WAR THAT IS A LOSER FOR EVERYONE, ESPECIALLY THE MILLIONS OF PEOPLE THAT HAVE SO NEEDLESSLY DIED. UKRAINE “LEADERSHIP” HAS EXPRESSED ZERO GRATITUDE FOR OUR EFFORTS, AND EUROPE CONTINUES TO BUY OIL FROM RUSSIA. THE USA CONTINUES TO SELL MASSIVE $AMOUNTS OF WEAPONS TO NATO, FOR DISTRIBUTION TO UKRAINE (CROOKED JOE GAVE EVERYTHING, FREE, FREE, FREE, INCLUDING “BIG” MONEY!). GOD BLESS ALL THE LIVES THAT HAVE BEEN LOST IN THE HUMAN CATASTROPHE! President DJT Medical/False Flags https://twitter.com/amyforsandiego/status/1991913114317844499?s=20   to the care, custody and control of their children” Thank you Judge! [DS] Agenda https://twitter.com/aziz0nomics/status/1992371396811636964?s=20 https://twitter.com/Anarseldain/status/1992414997218308338?s=20 https://twitter.com/EndWokeness/status/1992441921961394569?s=20 https://twitter.com/Rightanglenews/status/1992378801624637503?s=20 https://twitter.com/SarahisCensored/status/1992243844109205553?s=20 https://twitter.com/AwakenedOutlaw/status/1992399017385599446?s=20 https://twitter.com/Shawn_Farash/status/1992400020239528201?s=20 https://twitter.com/RealFletch17/status/1992390320240390644?s=20 https://twitter.com/AFpost/status/1992284122564395413?s=20 https://twitter.com/DC_Draino/status/1992288723283640588?s=20 https://twitter.com/TheNotoriousLMC/status/1991919350065009130?s=20 98 Democrats voted for socialism (i.e., against the resolution denouncing the horrors of socialism), while 86 voted against socialism (i.e., for the resolution). Additionally, 2 Democrats voted present. https://twitter.com/libsoftiktok/status/1992427200302452736?s=20  https://twitter.com/amuse/status/1992275639555035194?s=20 obtained by European outlets show Soros' Open Society Foundations funneled millions to Islamist groups operating as Muslim Brotherhood intermediaries in the US, Europe & Palestinian territories. Recipients include CAIR, ISNA, ENAR, FEMYSO & PFLP connected groups like Al Haq. French authorities even dissolved one organization for extremist activities. Judicial Watch has warned for years that US taxpayer money has quietly propped up OSF operations. How long has this network been influencing Western policy? Obama schemes with rising trailblazer in stunning plot to retake the White House  Barack Obama has descended into Washington DC for a secret meeting with Democrats to plot his party’s return to power after Donald Trump leaves office. The longtime Democratic leader was also spotted conniving in the shadows with one of the most progressive freshman Democratic lawmakers at the private event. Delaware Rep. Sarah McBride, the first openly transgender congressional lawmaker, was seen talking privately with Obama. McBride described the ex-president’s speech as ‘classic Barack Obama — updated for a 2025 political environment.’ McBride told Politico that Obama’s plan to guide Democrats out of their leaderless wilderness is not by relying on a singular political figure. Source: dailymail.co.uk President Trump's Plan  https://twitter.com/EricLDaugh/status/1991975409236283738?s=20   POSOBIEC: “Yes it is.” MAMDANI: “The use of the term is a description of neighborhoods, not a description of intent.” POSOBIEC: “So…you intend to tax the whiter neighborhoods more.” Trump listened to every word! LET’S GO! @JackPosobiec https://twitter.com/TheStormRedux/status/1991974395963990403?s=20 Trump knows that the Demonrats are in the throws of an internal power struggle, no different than pulling establishment Republicans towards MAGA. He also knows that a ‘Democratic Socialist' cannot win a national race. While the media wanted to prop Sanders up in make-believe-land that he was so popular he could win, Dems also knew better. That's why they put him down. What this display by PDJT did was throw more fuel on the left's identity crisis fire to continue to fracture them by next November. If they're fractured, they won't show for the midterms or at the worst they will split their votes. He knows that at present the left rallies around voting against him, so he needs them to be broken, distracted & disillusioned about their parties future while we show up, vote, & beat them 20 ways from Sunday. https://twitter.com/mtgreenee/status/1992037226415554642?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1992037226415554642%7Ctwgr%5E0714dde991d22b8abdf61c2799f2c3d47587bcc6%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fredstate.com%2Fjoesquire%2F2025%2F11%2F21%2Fcongresswoman-marjorie-taylor-greene-announces-resignation-from-congress-n2196453 An Intriguing Detail Emerges that Likely Explains the Exact Date Marjorie Taylor Greene has Chosen to Officially Resign from Congress  A fascinating detail has come into focus that almost certainly explains the exact timing of Rep. Marjorie   https://twitter.com/DavidMarkDC/status/1992045897526456357?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1992045897526456357%7Ctwgr%5E83f270a88adb7ed9bdd1802c693cdb86d882337c%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2025%2F11%2Fintriguing-detail-emerges-that-likely-explains-exact-date%2F Source: thegatewaypundit.com Current House Composition (as of November 2025) Republicans: 219 seats Democrats: 213 seats Vacancies: 3 (one Republican-held seat in Tennessee’s 7th district, and two Democratic-held seats in Texas’s 18th and New Jersey’s 11th districts) Total members: 435 (432 occupied) This gives Republicans a slim majority, allowing them to pass party-line bills with a bit of breathing room for absences or defections (needing roughly 217 votes in a full House for a simple majority). Impact of Greene’s Resignation Numerical Effect: Starting January 5, 2026, her safe Republican seat in Georgia’s 14th district will become vacant, dropping Republicans to 218 occupied seats against Democrats’ 213 (assuming no other changes, with vacancies rising to 4). This shrinks their effective margin to just 5 votes, leaving almost no room for internal dissent, illnesses, or travel delays—issues that have plagued the GOP in recent years with narrow majorities.  Passing legislation could become trickier on contentious bills, as even one or two holdouts might sink votes without Democratic support. Temporary Nature: Georgia law requires a special election for House vacancies, typically scheduled within 2-3 months by the governor. Given the district’s strong Republican lean (she won reelection in 2024 by over 30 points), it’s highly likely to be filled by another Republican, restoring the majority relatively quickly.  In summary, while the resignation tightens an already precarious majority and could complicate near-term votes in early 2026, it’s not a game-changer long-term. Republicans have navigated similar slim margins before, often relying on procedural tools or bipartisan deals when needed. https://twitter.com/ElectionWiz/status/1992360234913050627?s=20 https://twitter.com/mtgreenee/status/1992586669204070761?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1992586669204070761%7Ctwgr%5E63a82205206ed50771f6d6684add6a3453443c47%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2025%2F11%2Fmarjorie-taylor-greene-responds-report-that-she-is%2F   ending barrage of phone calls, Marjorie went BAD. Nevertheless, I will always appreciate Marjorie, and thank her for her service to our Country! President DJT https://twitter.com/amuse/status/1992282772896182623?s=20  Judge Jeb Boasberg quietly brought in retired Florida magistrate David Baker to handle sealed documents in domestic & foreign criminal investigations tied to the sprawling J6 dragnet. The assignment began just one month after Boasberg took control of the DC bench. Records show Baker signed the shocking NDO that labeled Rep Jim Jordan a flight risk. How many other secret orders did Boasberg funnel through his outsourced judge to shield DC courts from scrutiny? https://twitter.com/julie_kelly2/status/1991923034194682090?s=20  chief judge. How many other NDOs aside from the one on Verizon for Jordan subpoena did Boasberg’s stooge judge sign? https://twitter.com/mrddmia/status/1991906042200944756?s=20   insurer. Thread BREAKING: DOJ's Ed Martin Responds to Reports DOJ's Todd Blanche Is Investigating Him and Bill Pulte     https://twitter.com/chad_mizelle/status/1992067580413039084?s=20 Source: joehoft.com https://twitter.com/drawandstrike/status/1992430450820739561?s=20   investigations 2. who’s being targeted by the investigations 3. what evidence has been found 4. when is the indictment coming and they literally CANNOT TELL YOU any of this. They can tell you they STARTED an investigation, but some people seem to think means the public is entitled to some kinda blow-by-blow every other week about where the investigation is, who’s a target, who’s not a target, who’s being indicted, when the indictment will be unsealed, etc. etc. And no, they can’t tell you. Learn how things actually work. https://twitter.com/RealSLokhova/status/1992414649430749443?s=20   Jury is investigating @EagleEdMartin . Ed Martin cannot respond because he cannot comment on an ongoing investigation. Some on the right fell for this MSDNC disinformation and are claiming Todd Blanche is investigating Ed Martin. This is untrue, and the story was fake on its face. Adam Schiff is a criminal who evaded accountability for over a decade, and this DoJ is about to have him indicted. This is the real story. https://twitter.com/EricLDaugh/status/1992036443040965116?s=20  KEEP it that way and overturn California’s!  The broad authority of the ALIEN ENEMIES ACT allows MILITARY TO BE USED AS LAW ENFORCEMENT domestically without Martial Law. https://twitter.com/WarClandestine/status/1992468878937801092?s=20  https://twitter.com/JimFergusonUK/status/1992145295770067356?s=20  about anything like that — because I'm a LEADER and they do as I say.” Then he dropped the hammer: “What they did was TRAITOROUS… They very seriously broke the law.” He says Pete Hegseth is examining it. He believes the military is examining it. And he thinks military courts may already be looking at the Democrats' behaviour. This is unprecedented. Members of Congress and a sitting U.S. Senator publicly told soldiers to disregard the Commander-in-Chief — the kind of act that, as Trump reminded, was historically punishable by death. He clarified he's not threatening them — but he made one thing unmistakably clear: “They're in serious trouble.” Democrats tried to spark insubordination. Trump just signalled the U.S. military justice system might be stepping in. (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:13499335648425062,size:[0, 0],id:"ld-7164-1323"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="//cdn2.customads.co/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");

It's Sunday and I'm wrapping up the week by summarizing this week's theme: Big Changes Coming For 401(k) Savers Over 50 In 2026 In case you missed any episodes this week, here's what we covered.

As you know, beliefs drive human behavior. However, what if certain mistaken beliefs are causing you to make poor decisions? On this episode, we discuss 5 specific beliefs that can sometimes fool retirement savers into making choices that they may live to regret. Glenn is available for in person and online meetings if you'd like to discuss or strategize about your personal situation. Simply give us a call at (336) 291-3535 or visit ScheduleSomeTime.com to get on his calendar. As always, please remember to click the “Share” button to share our podcast with friends, family and colleagues.   Investment advisory services offered through Horter Investment Management, LLC, a SEC-Registered Investment Adviser. Horter Investment Management does not provide legal or tax advice. Investment Adviser Representatives of Horter Investment Management may only conduct business with residents of the states and jurisdictions in which they are properly registered or exempt from registration requirements. Insurance and annuity products are sold separately through Roadmap Financial Consulting, LLC. Securities transactions for Horter Investment Management clients are placed through AXOS Advisor Services, Charles Schwab & Co. Inc., and Nationwide Advisory Solutions.

Welcome to The Retirement Quick Tips Podcast, your daily guide to preparing for and living your best retirement. I'm your host Ashley Micciche, and this week, we're exploring an important change coming to 401k plans in 2026.  If you're participating in your 401k plan at work, if you're over 50, you're planning to maximize your contributions including the additional catch-up contribution, and you're going to make more than $145,000 in wages from your employer in 2025 - listen up! This is going to impact you!   Here's the change: Starting in 2026, all of your catch up contributions must be made into a Roth 401k. 

Formerly abandoned house in Detroit becomes refined spot for brunch, wellness Savers who max out 401(k) plans can set aside even more in 2026 What's behind higher used car prices and what might be cheaper

Best Of 2GG: Girl Pic On Screen Saver PART 1 by Two Girls and a Guy

Best Of 2GG: Girl Pic On Screen Saver PART 2 by Two Girls and a Guy

Send us a textEpisode SummaryTraditional budgeting fails most people, and it's not because you're careless or bad with money. In this episode, we talk about why these systems break down, especially for busy households. You'll learn how your natural tendencies shape your financial habits and why honoring those tendencies creates more success with less effort.We'll explore the four Money Styles and walk through the RICH Model, a flexible framework that helps you reclaim your resources, align your spending with what matters, create cash flow, and hold space for your dreams.If you've ever thought, “I should be better with money,” this episode will help you see that you're not the problem. The method is.If you're looking for a calmer, simpler way to manage money that fits your real life, you'll feel right at home here.Why This MattersMost people assume they need more discipline when a budget doesn't work. In reality, most traditional systems don't leave room for real life. They ignore how people think and behave with money and don't make space for the emotional side of it.When your system fits your wiring, progress feels easier. A plan that works with your natural style leads to steady growth and less stress.Key Takeaways • Personal finance is emotional and behavioral. • A plan that ignores your wiring will feel stressful. • When your plan aligns with your natural style, it sticks. • Flexibility makes progress feel lighter and easier.The Four Money Styles• Spender: Generous, present-focused, loves caring for others. • Saver: Prefers security and holds onto money. • Planner: Loves structure, clarity, and predictability. • Avoider: Feels overwhelmed by numbers and prefers simplicity.Want to learn your style? Take the free 60-second quiz linked below.Inside the RICH ModelR: Reclaim Your Resources Find leaks and redirect the money you already earn.I: Intentionally Align Spend and save based on what matters most.C: Create Cash Flow Build breathing room so you have flexibility and options.H: Hold Space for Your Dreams Use money to support the future you want.Timestamp Guide00:00 Welcome and intro 01:15 Why I stopped teaching traditional budgeting 03:20 The truth behind why traditional budgets fail 05:40 What changed for me 07:10 The four Money Styles 09:00 Why your style matters 12:30 The RICH Model 15:30 Why flexibility works 17:40 Final thoughtsResources Mentioned• Free Money Style Quiz • Part one of the Freedom Budgeting seriesNext StepsIf this episode resonated with you, go back and listen to part one of the Freedom Budgeting series to build your foundation. Then come back for part three, where we'll explore how to align your spending with what matters most.Subscribe so you don't miss an episode. Take the Free Money Style Quiz → Discover if you're a Saver

​If the house is no longer a home and after spending time with the sneaky link puts you in a better mood when you go back home, are they helping your relationship or nah?!?

Hal Elrod is the bestselling author of "The Miracle Morning: The Not-So-Obvious Secret Guaranteed to Transform Your Life (Before 8AM)." The book offers a practical morning routine that has transformed the lives of over 3 million people. In this episode, Hal describes discovering the six practices that became the SAVERS method (Silence, Affirmations, Visualization, Exercise, Reading, Scribing) during the 2008 financial crisis when he needed to rebuild his life and income. He shares how implementing these practices every morning doubled his income within two months and became the foundation for helping millions of others. Listen to the full episode to hear how Hal turned life's hardest moments into practical tools for personal transformation and daily excellence. You can find episode 485 on YouTube, or wherever you get your podcasts! Watch this Episode on YouTube | Hal Elrod on Transform Your Life (Before 8AM) https://bit.ly/TLP-485 Key Takeaways [02:44] Hal reveals he realized during cancer at 37 that he was a workaholic, so now he drives his kids to school daily and shortens his workday to align with his family priority. [04:33] Hal explains he learned the five minute rule at age 20 selling Cutco by feeling emotions for five minutes then saying "can't change it" and moving forward. [07:25] Hal recounts being hit by a drunk driver at 70 mph at age 20 where he broke 11 bones and died at the scene for six minutes but applied the five minute rule to accept his reality. [13:26] Hal confirms the five minute rule is the practical bridge to Viktor Frankl's concept of choosing one's attitude in any circumstance. [21:05] Hal explains the Miracle Morning program and why the morning routine is important for making every day your best day. [29:37] Hal shares that the expanded edition of his book adds 20 pages to the SAVERS section and two new chapters called the Miracle Evening and the Miracle Life. [33:00] Hal shares that he gives up three hours of work each day to drive his kids to school, choosing lasting memories with them over more book sales. [37:58] Hal explains that his experiences guide him toward a higher power's purpose and shares that his parents' response to his sister's death taught him to turn adversity into service. [43:12] Hal defines a good life as fulfilling your potential in service of others by showing up as your best self every day from a place of love. [46:16] And remember…"When you arise in the morning, think of what a precious privilege it is to be alive - to breathe, to think, to enjoy, to love." - Marcus Aurelius Quotable Quotes "It's okay to be negative and get upset when things don't go your way, but do not dwell on it for an extended period of time." "Set your timer for five minutes and give yourself five minutes to feel your emotions fully. Don't suppress them, don't try to act the way you think you should. Bitch, moan, complain, cry, vent, whatever you gotta do." "Every painful emotion that we experienced was self created by our resistance to our reality." "The last of man's freedoms, is to choose one's own attitude in any given set of circumstances." "You cannot change reality in this moment as it exists. You can only do things in this moment to change the next moment or the moment after that." "I believe that we create our own statistics." "Your level of success will seldom exceed your level of personal development." "If you win the morning, you win the day because you're putting yourself in a peak physical, mental, emotional and spiritual state." "Family men with businesses, not businessmen with families." (Front Row Dads tagline) "Everything you've been through is intentional and it's part of your journey, so you can help as many people as you possibly can." "Every day you wake up and you ask like, what's the best version of myself today? How can I show up at my best? How can I fulfill my limitless God given potential today?It's fulfilling your potential in service of others." These are the books mentioned in this episode Resources Mentioned The Leadership Podcast | theleadershippodcast.com Sponsored by | www.darley.com Rafti Advisors. LLC | www.raftiadvisors.com Self-Reliant Leadership. LLC | selfreliantleadership.com Hal Elrod Website | http://miraclemorning.com Achieve Your Goals Podcast | https://podcasts.apple.com/us/podcast/achieve-your-goals-with-hal-elrod/id820889267 Hal Elrod X | @halelrod Hal Elrod Facebook | www.facebook.com/groups/MyTMMCommunity Hal Elrod LinkedIn | www.linkedin.com/in/hal-elrod-aa054324a Hal Elrod Instagram | @hal_elrod Watch The Miracle Morning Movie for free: https://miraclemorning.com/movie/ The Miracle Morning App | https://miraclemorning.app/

In this episode: Wade walks through Business Banker (treating capital like a business, routing more cash flow through policies, and demanding payback with interest) and Infinite Banker (a closed family banking ecosystem where money consistently flows through your policies across generations). Expect practical criteria for loans, deal flow, and protecting liquidity while you invest. Tune in to see how disciplined policy use becomes a system—so your family controls the money game, not the banks. Episode Highlights 00:47 - Overview of podcast stages: business banking and infinite banking. 01:28 - Definition of a business banker and control over finances. 02:26 - Mindset shift: Premiums as investments, not expenses. 03:04 - Redirecting cash flow: Benefits and privacy of policies. 08:12 - Hard money lending and expanding banking systems. 10:02 - Key components of wealth building and financial conversations. 11:20 - Treating money transactions like a business. 13:02 - Infinite banking mindset and the closed financial ecosystem. 15:52 - Interdependence and family financial ecosystems. Episode Resources sagewealthstrategy.com 

In the latest episode of the pod Andy's talking about the latest stories that are important to you and your money. Including:  Santander bank switch offer: get £200 Tax free cash from Chip Prize Saver account More O2 price hikes are coming, here's how to beat it For links and further reading head to becleverwithyourcash.com/cashchats 00:00 Intro 01:04 Santander bank switch 12:19 Chip tax free prize saver 29:29 O2 price hike ABOUT CASH CHATS Cash Chats is the award-winning podcast brought to you by the team of money geeks at Be Clever With Your Cash, sharing the latest updates from the world of personal finance and helping you to navigate the everyday money challenges we all face. Show notes can be found at becleverwithyourcash.com/podcast. BE CLEVER WITH YOUR CASH ON SOCIAL twitter.com/BeCleverCash instagram.com/becleverwithyourcash   youtube.com/@becleverwithyourcash   GET OUR WEEKLY NEWSLETTER You'll also get a free Quidco bonus for signing up https://becleverwithyourcash.com/newsletter/ MUSIC The music is Easter Island by Lonely Punk and provided on a creative commons licence 

Send us a textIf it feels like your money disappears faster than it comes in, you're not alone—and you're definitely not bad with money. You're living a full life with limited time and unlimited responsibility.In today's episode, Gina (aka Saving Whiz) shares what financial breathing room really means, why traditional budgeting advice doesn't fit the reality of motherhood, and five simple steps to help you create space, calm, and confidence in your finances.You'll walk away knowing how to make small, meaningful shifts that actually work with your life—not against it—so you can stop feeling behind and start feeling at peace with your money.

A judge grants Diddy to speed up his appeal. Kaelin tells us how an episode of Curb Your Enthusiasm saved someones life!See omnystudio.com/listener for privacy information.

The Round Table Series #13: Part 1 - Savers are Losers!In this council of The Round Table we discuss the pros and cons of saving, what it means to capitalize, the inflated money supply, the cost of living, taking control if your money with Infinite Banking, the differences between saving, investing and banking, and much more. To connect with Brandon, go to www.themoneyadvantage.com or email him directly at brandon@themoneyadvantage.comTo connect with Mark, go to Mark@elevatedcapitalstrategies.comTo reach out to Becca or to buy her book

In this episode: Wade breaks down the first two stages of owning whole life: Saver (building a safe, liquid foundation and tightening your relationship with money) and Wealth Builder (shifting premiums from "expense" to "opportunity," paying down the right debts, and funding opportunities without sacrificing liquidity). You'll hear how Tough Money habits, cash-flow redirection, and a clear "days of liquidity" target create real control—not just theory. Tune in to learn how to move from storing cash to putting it to work—on your terms. Episode Highlights 02:57 - Introduction to the Four Stages of Whole-Life. 04:45 - Stage 1: Saver Mindset. 10:30 - Liquidity at Time of Death - Life Insurance. 11:59 - Savings vs. Investing Clarification. 30:35 - Stage 2: Wealth Builder Discussion. 37:12 - Stage 3: Business Banker Mindset. Episode Resources sagewealthstrategy.com

In this week's episode of Yo Quiero Dinero, host Jannese Torres sits down with Andrea Ramos, founder of Building Gen Wealth, to talk about her journey from a first-gen saver to a full-time entrepreneur and money coach. Born in Peru and raised in the U.S., Andrea shares how her parents' example of hard work and quiet money lessons sparked her own path toward financial independence—and how a moment of family crisis led her to reimagine what building wealth truly means. Andrea opens up about the challenges of leaving her 9-to-5, becoming a mom, and redefining success on her own terms. From navigating variable income to healing generational scarcity mindsets, she reminds us that wealth isn't just about numbers—it's about peace, possibility, and purpose.

Hour 4 opens with Ryan Schmelz on the federal shutdown and its impact on military families, TSA workers, SNAP recipients and ongoing budget fights in Congress. Tom Ackerman follows with college football headlines as Indiana sits atop rankings, Penn State faces the loss of Beau Pribula and Game 3 of the World Series shifts to Los Angeles with Max Scherzer on the mound for Toronto plus a Cardinals development angle. The hour closes with Bryan Pieschel of Dogs for Our Brave discussing their mission to train mobility service dogs for veterans, their expansion to a new Crestwood facility and details on the upcoming Sip and Saver event on November 9.

The show opens with top national and local headlines including heavy rain in the area, the World Series shifting to Los Angeles tied 1–1, Mizzou's postseason hopes affected by quarterback injury news, the president authorizing action against drug boats near Venezuela and the Boeing strike continuing after union workers rejected the contract. The Buck Dont Give a ____ segment follows with a discussion on the political shift among Black voters and the rise of conservative social media voices like Its Life Who Cares, along with criticism of Biden's economy and Democratic messaging. Hans von Spakovsky later details U.S. military action off Venezuela, China's fentanyl role and CIA involvement in the Hunter Biden laptop letter. Rep. Ben Keathley breaks down Rockwood Prop S and the concern over off-year school tax elections and taxpayer protections. Jenny Beth Martin argues Republicans should use the shutdown standoff to restructure government spending. Ryan Schmelz reports on shutdown fallout for military families, TSA workers and SNAP recipients. Tom Ackerman covers Indiana's emergence in college football, Beau Pribula's injury, Game 3 of the World Series and the Cardinals development track under Chaim Bloom. Bryan Pieschel closes the show with the mission of Dogs for Our Brave, their new Crestwood facility and the upcoming Sip and Saver event on November 9.

Bryan Pieschel shares the mission of Dogs for Our Brave, founded in 2014 by Andy Gladstein to provide mobility-based service dogs to wounded combat veterans. The group currently trains three dogs per year and is expanding to a 15,000 square foot facility in Crestwood next summer. He promotes the upcoming Sip and Saver fundraiser on November 9 from 3–6 PM at the Sunset Event Space with tickets at 150 dollars including food from Twisted Tree, a live auction and veteran stories with about ten veterans attending from across the country. He reflects on the emotional impact service dogs have on veterans and the long term investment the organization makes in their recovery.

What if everything you were taught about money is wrong?  Rob was in £50,000 of consumer debt by age 26, and learned the hard way, but today he exposes the nine money myths pushed by the system—from saving and investing to luck and hard work—and shares his personal SIM model for building wealth, arguing that not investing is more risky than investing, that money does not change you, and that anyone can create wealth with the right knowledge… BEST MOMENTS “Saving will never make you rich. It's impossible to save money and become wealthy and rich. Savers are losers. If you don't risk anything, you risk everything. If you think investing is risky, try not investing. The love of money is not the root of all evil. The root of all evil is evil” Exclusive community & resources:   For more EXCLUSIVE & unfiltered content to make, manage & multiply more money, join our private online education platform: Money.School →⁠ ⁠⁠https://money.school⁠   And if you'd like to meet 7 & 8 figure entrepreneurs, & scale to 6, 7 or 8 figures in your business or personal income, join us at our in-person Money Maker Summit Event (including EXCLUSIVE millionaire guests/masterminds sessions)  →⁠ ⁠⁠https://robmoore.live/mms⁠ 

Sometimes I get wary of sharing how much I plan. But because I plan I get to be more purposeful and present in my life which gives me peace. I‘m sharing the 3 phases I go through to plan. I dream. I contemplate allllllllll the possibilities. Then I choose what I want to do from all dreams I came up with. And then I plan it and confidently run that plan knowing I thought of everything.  Holiday Blitz so you can leave the Witches in Oct.  Halloween has passed, you are in the thick of the holidays but you still feel like a witch. Why? Because you are trying to meet everyone's expectations but no one is aware of all you are doing nor do they care. We are putting all this pressure and these expectations on ourselves!!  I'm here to share how to shed those witchy feelings with the Holiday Blitz. In the holiday blitz there are 5 videos and printables. After the videos, you will “interview your family” about what makes the holidays special for them BEFORE the holidays. You will dream about what you want the holidays to look like this year. And after talking to your family it'll be easy to choose what you want to execute. Holiday Mini Planning Day The Holiday Blitz Mini Planning Day is a taste of what home planning day is like.  This is when we take the one Sunday Basket® and divide it into three Sunday Baskets®. You will have a Holiday Sunday Basket® for the meaty experience you want to plan, recipes, gift ideas, and all the holiday cheer you want to provide this year. There will be a “next year” Sunday Basket® where you can safely place paper that doesn't need your attention until next year. You place this Sunday Basket® in another room.  And of course, your regular weekly Sunday Basket® for your “new part time job” of being the memory maker; with the additional shopping, decorating, traveling, and so forth. We'll take a look at the week of Thanksgiving and the last two weeks of December and plan in time blocks. And I share tips on how to strategically shop Black Friday to save money all year.  I know not everyone has the capacity or time to plan luxuriously like this. So…I am offering a 30 mini workshop where you can take just a few minutes to plan. I know everyone is really busy but I really want you to enjoy the holidays this year! Stay tuned for more details so you stay sane and present for the holidays. Home Prep & Planning Day And we end the year with more planning. Yes I really do all of this planning. But you will see as the year comes to an end you will be already dreaming of what this 2026 year can bring. It's still full of so much potential.  Prep day is Monday. You will reset your Sunday Baskets® and update slash pocket labels and contents. Some paper may need to go in your operations binder. And you will have a Taxes Sunday Basket® for a landing place when all the documents start coming in the mail. You'll have one extra Sunday Basket® which will be for your first project in the new year. And then you choose what projects and ideas you will be actually planning for on Wed. And On Wednesday we'll start getting a plan on paper in the workbook. What will the first 120 days/ 4 months of 2026 look like? In each of these planning phases I dream. How could it look? And then I choose. I make an actionable plan to execute the choices I made. And lastly, run that plan with confidence. Because you take the time to plan, you can peacefully be present. Once you have experienced the peace of planning, you will find the time to plan. I promise! And the more you plan, you'll want to plan even more! EPISODE RESOURCES: The Sunday Basket® Holiday Blitz 2025 (Oct. 27th) Holiday Blitz Bundle  Holiday Mini Planning Day (Nov. 14th) 30 Min. Holiday Sanity Saver Workshop (Dec. 5th) Home Prep and Planning Day (Dec. 29 - Dec. 31) Sign Up for the Organize 365® Newsletter  Did you enjoy this episode? Please leave a rating and review in your favorite podcast app. Share this episode with a friend and be sure to tag Organize 365® when you share on social media!

In this episode of Revamping Retirement, hosts Audrey Wheat and Peter Ruffel welcome back Neal Ringquist, executive vice president and chief revenue officer of Retirement Clearinghouse, for a deep dive into auto portability and the Portability Services Network (PSN). Neal explains how auto portability enables seamless retirement balance transfers between employers, backed by regulatory support and a consortium of major record keepers. The conversation highlights key adoption metrics—over 21,000 plan sponsors enrolled and 16,700 completed transactions—and explores future applications like the Saver's Match. The episode also clears up common misconceptions and encourages plan sponsors to engage in expanding PSN's impact.   Get more insights for retirement plan sponsors by subscribing to Revamping Retirement.

Barb O'Neill, CFP®, AFC®, walks us through 403(b) withdrawal strategies in retirement. Transitioning From 403(b) Saver to Post-Career Spender (blog post w/resources) Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

In this playful and insightful episode, Don and Tom explore how the beloved Friends characters might fare financially if they were retiring today. Using their signature mix of humor and practical investing wisdom, they analyze each character's fictional career, personality, and spending habits to project their retirement readiness. The second half of the show returns to real-world money matters, answering listener questions about blending withdrawal strategies and fund choices in employer retirement plans. 0:04 Why this episode starts with a Friends reference—and yes, it's copyright-friendly 0:31 Monica and Chandler Bing as retirement savers: organized, driven, but maybe too perfectionist 3:25 Monica's obsessive planning vs. Chandler's possible risk aversion 4:22 Overthinking portfolios and the emotional toll of too much tweaking 5:01 Savers who struggle to spend: how Monica might hoard instead of enjoy 5:56 Chandler's likely financial behavior and their combined million-plus portfolio 7:03 Ross: neurotic, divorced, and probably pension-supported 7:54 Why pensions are psychologically powerful for retirees 8:35 Ross would need an advisor to keep him calm and invested 9:14 Rachel: spender, low earner, fashion industry job—not retirement ready 10:30 Joey: the actor's feast-or-famine finances and SAG-AFTRA pension potential 12:22 Real SAG-AFTRA pension expectations: modest but helpful 13:09 Joey's likely retirement: modest income, limited comfort outside major cities 13:54 Phoebe: quirky, lovable… financially reckless? 14:28 Phoebe's imaginary downfall: alimony, bad investing, busking in Times Square 15:20 Big picture takeaways: personality, income, and circumstance aren't destiny—but they shape outcomes 16:48 The Bings win the retirement game… Phoebe's husband probably doesn't stay married 17:30 Listener Q1: Combining fixed and flexible withdrawal strategies 18:52 30-year portfolio simulation using 60/40 and AI tools 20:24 Hybrid strategy results: high survival rate, smoother ride, and growing payouts 21:21 Comparison of 4% vs. 5% withdrawal income over time 22:36 Listener Q2: Replacing expensive international funds in a union 401k plan 24:00 Replace EuroPacific and Developed with Fidelity's low-cost international index fund 25:17 Expense ratio showdown: PigWX vs. FSPSX 26:32 Closing chaos: how to contact Tom and the long-lost newsletter phone number 27:49 Origins of 800-FUND-004 and how someone just walked into the Bellevue office 29:42 End credits and final laughs—yes, even Tom held back the dad jokes (mostly) Learn more about your ad choices. Visit megaphone.fm/adchoices

Celebrating 200 episodes of personal finance education and money management tips! Since launching in January 2022, the City Girl Savings Podcast has helped thousands of women improve their financial literacy and build wealth. Wow. Time flies! Back in November 2023, the City Girl Savings Podcast had reached 100 episodes and I couldn't quite believe it. Fast forward to now and I'm still in awe of how far we've come, but also how quickly time seems to move. Not to get on my soapbox, but if there's a goal, investment, purchase or dream you've been putting off, TAKE ACTION NOW! Time will only keep going and you'll regret constantly pushing out the things that really matter to you. I launched this podcast in January of 2022 and I'm so glad I did. It's been such a wonderful journey and experience and knowing that people are encouraged and motivated from these episodes makes it all worth it. To celebrate 200 episodes of the City Girl Savings Podcast, I'm sharing my 10 all-time favorite episodes.   These top 10 City Girl Savings Podcast episodes featured: Mindset shift strategies from overspending to saving Investment advice and building wealth for beginners Financial confidence and money management psychology Setting financial boundaries and eliminating money anxiety Business lessons and entrepreneurship insights Daily habits for financial success and productivity   After 200 episodes covering everything from budgeting basics to advanced investment strategies, these 10 episodes represent the most transformative money lessons for building lasting wealth and financial freedom.   Here's a glance at this episode: [02:42] Money Mindset Transformation: Making the Mindset Shift from Spender to Saver made this list due to the true mindset shift that needs to happen to take someone from an overspender to an avid saver. [06:45] Investing in Financial Education: Do you struggle with investing in yourself to improve? Why You Need to Pay to Get Better with Money helps shift that mindset. [10:28] 10 Years of Business Lessons: Hear all Raya has learned after 10 years in business with a celebration of City Girl Savings reaching a decade. [14:27] Financial Confidence Building: Being a better steward of money has increased Raya's self-confidence tenfold and she shares just how in this episode. [17:00] Financial Boundaries That Work: Give yourself money to enjoy life with. This can be a financial boundary you set that ends up being a helpful tool.   Rate, Review, & Follow: Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show! This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life! To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode! Also, please make sure you're subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!   Resources mentioned in this episode: Listen to Episode #149: Making the Mindset Shift from Spender to Saver Listen to Episode #3: Breaking Through the Stigma of Budgeting Listen to Episode #84: Why You Need to Pay to Get Better with Money Listen to Episode #159: 10 Years in Business: Growth, Lessons and More Listen to Episode #164: Plan, Prepare and Organize Your Finances with Alaina Fingal Listen to Episode #58: My Daily Morning Routine for Boosting Productivity Listen to Episode #141: How Managing My Money Has Boosted My Confidence Listen to Episode #62: 9 Ways to Manifest More Money Into Your Life Listen to Episode #182: 6 Ways to Set Financial Boundaries and Stick to Them Listen to Episode #178: Finding Peace in Your Finances: 5 Steps to Eliminate Money Anxiety Learn about Raya's Financial Focus Coaching Program Follow City Girl Savings on Instagram, YouTube, and TikTok Join the City Girl Savings Facebook Group Subscribe to the City Girl Savings Newsletter!

In today's episode of The Life of a Bon Vivant Podcast, Beeta explores the Miracle Morning, a concept penned by Hal Elrod that helps you start your day with intention and clarity. She shares how practicing his SAVERS routine has transformed her mornings and brought more focus and calm into her life. Beeta also talks about how she has adapted the practice to fit her own slow and intentional lifestyle, inspired by the French way of savoring life, and invites listeners to try it as a way to show up each day as your best possible self.Check out Hal Elrod's book Miracle Morning here (affiliate link): https://amzn.to/3IbaJH4To get all the podcast updates, be sure to sign up to our mailing list at: https://MonPetitFour.com/Sign-UpFollow me on Instagram at: Instagram.com/MonPetitFour

If you're within ten years of retirement (early or traditional age) or just want to get a head start on going from being a saver to a spender, this episode is for you. Decumulation without drama—that's the mission as retirement pros Dana Anspach (Sensible Money) and Fritz Gilbert (The Retirement Manifesto) join the show to turn “build-your-own paycheck” into a repeatable process. Dana lays out why drawdown is a hundred small decisions, not one big leap; and Fritz brings in the field notes. Together they demystify: Tax Pitfalls Timing Social Security Asset Allocation and Location Why Most Retirees Underspend The big takeaway: document the plan, automate the paycheck, and give yourself permission to enjoy the “go-go” years—because money's job is to fund a life, not gather dust.   

Retirement confidence is under pressure. While younger generations are entering the workforce with optimism, the latest Read on Retirement report reveals troubling gaps between savers, plan sponsors, and retirees. Only 38% of employers believe their employees are on track, and confidence among retirees has dropped to historic lows.In this episode of The Bid, host Oscar Pulido speaks with Jamie Magyera, Head of BlackRock's U.S. Wealth Advisory and Retirement Business, about the findings from a decade of retirement data. Together, they explore what's driving the confidence gap and the bold actions needed to close it.Jamie highlights three calls to action for the retirement industry: expand access to professional management, deliver guaranteed income solutions, and broaden portfolios to include private markets. She also underscores the need for education and re-enrollment so savers fully benefit from these innovations. With retirement confidence at a crossroads, this episode offers both a reality check and a roadmap for plan sponsors, policymakers, and individuals alike.Sources: BlackRock's Read on Retirement Survey, September 2025Key insights include:· Why retirement savers' confidence often outpaces employers' assessment, and what this paradox reveals.· How target date funds and auto-enrollment are making retirement saving easier and more effective.· Why guaranteed income solutions are increasingly vital to ensure retirees don't outlive their savings.· The growing importance of private markets in delivering long-term returns and diversification alongside public markets.· Differences across generations and genders in retirement confidence — and how advice and professional management can help bridge gaps.· How market volatility, student debt, and competing financial priorities continue to challenge long-term savers.Timestamps:00:00 Retirement Confidence at a Crossroads01:59 Key Findings and Confidence Gaps in the latest Read on Retirement Report04:40 Calls to Action for Retirement Preparedness08:39 Generational Differences in Retirement Planning10:35 Gender Gaps in Retirement Confidence12:12 Challenges and Future of Retirement Planning16:50 Personal Reflections and Advice18:36 Conclusion and Final ThoughtsCheck out episode 225 on retirement planning where we discuss what new legislation could mean for your retirement account: https://open.spotify.com/episode/4mH8LyNQFsYSV0bxEH1NGU?si=ed429467800b4617Check out this playlist on investing for retirement here: https://open.spotify.com/playlist/08Fx1iZaBwLclqpswIbjUq

VFR Traffic Advisories, also known as “flight following,” is a service that is provided by ATC, workload permitting. But it can also be a life saver. In today's episode, we'll hear how controllers assisted a pilot who needed help when his engine started running very roughly and he began to lose altitude over terrain that was not at all conducive for a forced landing. The pilot was grateful for the help controllers provided. Sponsored by Avemco Insurance 

In today's show, crooks are finding new, sophisticated ways to get into your accounts. There are risks with voice ID, 2 factor authentication, spoofing, pretexting and more. Clark shares ways to protect yourself.  Also, how do you “futureproof” your career with so many changes coming from AI, robotics and more? Clark discusses the value of looking ahead, enhancing your skillset, and asking “what's next” jobwise.   Guard Your Accounts: Segment 1 Ask Clark: Segment 2 Futureproof employment: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Why You Need To Lock Your Phone Number Today Vanguard Account Security - Spotting and stopping more sophisticated scams Lawsuit Claims Zelle Security Lapses Cost Over $1 Billion in Fraud: What You Need to Know How to outfox financial scammers What Is an HSA Account and How Does It Work? What Is a Flexible Spending Account? 8 Retirement Catch-Up Secrets for Savers 55+ Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices