Podcasts about Sequence

Did you know about this live webinar? Attend the next one and get your questions answered! To peak inside the community that is actually practicing Infinite Banking in their personal lives by heading over to -- https://www.skool.com/ibc-community-7282To deepen your understanding of The Infinite Banking Concept, head on over to https://thewealthwarehousepodcast.com/Chapters00:00 Introduction and Purpose of the Webinar01:19 Welcoming Participants and Setting the Stage03:21 Discussion on Retirement and Distribution Phase09:07 Guest comment reading10:30 Real-Life Examples of Infinite Banking in Practice with Coach Christina13:06 Going into business question/example14:41 Book keeper/accountant's strategy17:15 The Simplicity of Dividend Paying Whole Life Insurance18:30 Basic Math Example21:02 Balancing Traditional Retirement Accounts and IBC23:57 Sequence of Returns and Market Volatility28:38 Market Downturns and Retirement Safety Nets33:26 Legacy Planning and Family Wealth Transfer35:18 Senior Estate Planning and Asset Protection39:27 Structuring Wealth and Asset Protection Strategies42:41 The IBC Community44:16 Closing Remarks and Next StepsIn this episode, David and Paul explore the strategic use of infinite banking, retirement planning, and managing market risks. They discuss real-life examples, the importance of controlling your financial environment, and how to build a resilient wealth plan that lasts through market downturns.At Wealth Warehouse, we challenge you to transform your financial future through the principles of the most profitable business in the world: banking.We believe everybody should be involved in two businesses: the business that you're in, and the banking business. Everyday people can replicate what bankers have been doing for centuries to leverage capital and build wealth through private lending.Join us as we uncover the truths about money, expose lies and myths, and flip conventional financial advice on its head.DISCLAIMER: *This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

In this episode, I'm sharing the audio from a live workshop I taught on July 16, 2026 on one of my favorite topics: How to Build a Signature Sequence You Can Trust. If you've ever felt like you need to create a brand new sequence every week or wondered how to build a sequence you can confidently teach without relying on notes, this workshop is for you.  I walk through the process you can use to create a Signature Sequence, share how using a Signature Sequence can help you trust what you're offering and even be able to teach without notes and by walking around, watching your students. Whether you're a new yoga teacher or simply looking to feel more confident teaching your classes, this workshop will not only give you some new things to experiment with in your classes to help you feel more confident, it'll gently challenge some of the beliefs you have that you might not even realize are holding you back from truly feeling confident when you teach.  If you'd like access to the full workshop replay with the video, just send me a DM or email at karen@barebonesyoga.com  

The Undersea Sequence Was Meant to Keep Something InBecome a supporter of this podcast: https://www.spreaker.com/podcast/dark-mysteries-unsolved-mysteries-forgotten-secrets-unanswered-questions--5684156/support.Darkest Mysteries Online

Book a call with Travis: https://calendly.com/travis-eib/30-minute-callBook a call: https://remnantfinance.com/calendarOut Print the Fed with a 1% target per week: https://remnantfinance.com/optionsEmail us at info@remnantfinance.com or 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 SUBSCRIBEIn this episode, Hans welcomes back Travis McBride, a former Navy helicopter pilot turned insurance professional, for his third appearance and a conversation about annuities, guaranteed lifetime income, and why the order of your returns matters more than the average. Fresh off the birth of his son, Travis opens up about how fatherhood reframes the way he thinks about mortality and protecting the people who depend on you.From there they get into sequence of return risk, including a live demo where shuffling the exact same 30 years of returns swings the outcome from $2.2 million left over to fully broke in 14 years, and why a guaranteed income floor lets you stay on the compounding curve right when it's most powerful.Chapters:00:00 – Opening segment03:10 – Re-anchoring on why we plan: it's about the next generation05:25 – Why $500K of SGLI won't set a family up10:15 – What an annuity actually is: the inverse of life insurance14:40 – The power of setting an income floor18:30 – A brief history of annuities, from Rome to the modern pension gap20:15 – When to consider an annuity: the 50 to mid-70s window21:15 – No medical underwriting: annuities are priced on age alone25:15 – The 4% rule and where it falls apart26:05 – Sequence of return risk explained with a live shuffle28:45 – Same data, wildly different outcomes30:50 – Why the Series 65 teaches nothing about insurance or annuities35:00 – Trade-offs exist everywhere, even in a Roth IRA and 401(k)39:50 – Mortality credits: the third form of return45:30 – Payouts are tied to the 10-year Treasury at purchase46:40 – The 1035 exchange: upgrading an old, uncompetitive annuity50:00 – Closing segmentKey Takeaways:The order of your returns can matter more than the returns themselves. Take the same 30 years of market data and simply shuffle the sequence, and the outcome swings from leaving $2.2 million behind to running out of money in 14 years.An annuity is the inverse of life insurance, and it's the only chassis that guarantees income for life. Where a $1 million portfolio using the 4% rule cautiously pulls $40,000 a year and still might run dry, that same $1 million can buy a fully guaranteed $77,000 a year that keeps paying as long as you're alive.A guaranteed income floor buys you flexibility everywhere else. Once your baseline needs are covered for life, you no longer have to run conservative with the rest of the portfolio.$500K of group life insurance is not a plan. In a high cost of living area, half a million won't maintain a family's lifestyle, and most people aren't even capped out there.If your parents bought an annuity, get it reviewed. Payouts are locked to the 10-year Treasury yield at the time of purchase, so annuities bought in low-rate years are often badly uncompetitive today.

More bills become law with the stroke of Gov. DeWine's pen, including a conservative-backed idea called the "Success Sequence." It will now be taught to children starting in the 6th grade.Just what is it and why is there opposition?Listen up, drivers: If police pull you over for any reason, you must provide your name, address and date of birth, because under a new law you can't withhold personal information.Due to new digital safeguards, SNAP recipients will get new cards with electronic chips, and Medicaid home health workers must check in electronically.Survivors of sexual violence looking to move in order to stay safe can't break their leases under Ohio law. A bipartisan bill would change that.One million dollars in emergency state funds may be headed to Vinton County to help 16 siblings living in what authorities called deplorable conditions.It's the last call to claim unclaimed funds earmarked for the Cleveland Browns' new stadium complex.We're talking about all these major political topics on this week's Reporter Roundtable.Guests:Karen Kasler, bureau chief, Ohio Public Radio Statehouse News BureauHaley BeMiller, Columbus DispatchNoah Blundo, executive editor, Hannah News Service

More bills become law with the stroke of Gov. DeWine's pen, including a conservative-backed idea called the "Success Sequence." It will now be taught to children starting in the 6th grade.Just what is it and why is there opposition?Listen up, drivers: If police pull you over for any reason, you must provide your name, address and date of birth, because under a new law you can't withhold personal information.Due to new digital safeguards, SNAP recipients will get new cards with electronic chips, and Medicaid home health workers must check in electronically.Survivors of sexual violence looking to move in order to stay safe can't break their leases under Ohio law. A bipartisan bill would change that.One million dollars in emergency state funds may be headed to Vinton County to help 16 siblings living in what authorities called deplorable conditions.It's the last call to claim unclaimed funds earmarked for the Cleveland Browns' new stadium complex.We're talking about all these major political topics on this week's Reporter Roundtable.Guests:Karen Kasler, bureau chief, Ohio Public Radio Statehouse News BureauHaley BeMiller, Columbus DispatchNoah Blundo, executive editor, Hannah News Service

▶ Click Here to Master Evidence Foundations ▬▬▬▬▬▬▬▬▬▬ EPISODE SUMMARY Evidence exam success depends on sequence. Begin by identifying the evidence, the proponent, and the purpose. Then analyze relevance, Rule 403, special exclusionary rules, witness foundation, hearsay, confrontation, privilege, authentication, and the original-writing rule.Evidence issues arise throughout trial. Motions in limine address problems before trial. Direct examination requires foundation. Cross-examination tests credibility. Redirect rehabilitates. Expert testimony requires reliability screening. Documents and digital exhibits require authentication. Closing argument must stay within the record. Appeal requires preservation, standard of review, and harmful error.Strong answers apply rules rather than merely naming them. Hearsay requires an out-of-court assertion offered for truth. Character evidence requires a propensity purpose unless an exception or nonpropensity theory applies. Rule 403 requires probative value to be substantially outweighed by a specific danger. Authentication requires enough evidence for a reasonable jury to find the item genuine. The original-writing rule applies only when proving contents.Mixed problems are the norm. A single exhibit may raise multiple issues. A complete answer moves through each layer and states whether the evidence should be admitted, excluded, limited, redacted, conditioned, or accompanied by an instruction.The central lesson is practical: Evidence is controlled proof. The winning student asks the right questions in the right order and explains the ruling with precision.

What does it really mean to become an expert in resuscitation and critical care? It is tempting to think that expertise comes from accumulating enough facts, passing enough exams or simply spending 10,000 hours at work. In this episode, Iain Beardsell is joined by emergency physician, intensivist and medical educator Sara Crager to explore why expertise is less about how much we know and more about how we think. Sara explains how experts develop high-quality mental models that allow them to organise information, recognise patterns and approach difficult clinical problems. Crucially, these mental models do not have to remain hidden inside the heads of experienced clinicians: they can be identified, explained and deliberately taught. The conversation moves from the limitations of mnemonics and assessment-driven education to the value of deliberate practice, feedback and safe failure. Sara describes how an expert might organise the differential diagnosis of cardiac arrest into respiratory, haemodynamic and metabolic problems, rather than relying solely on a memorised list of Hs and Ts. Iain and Sara then discuss Rapid Sequence, the gamified clinical-learning platform Sara created with emergency physician Ryan Ernst. Learners work through realistic cases in a simulated clinical environment, managing several patients while dealing with interruptions, competing priorities and the consequences of their decisions. After each block, Sara and Ryan deconstruct the cases, make their clinical reasoning explicit and introduce mental models that learners can immediately apply when they try again. It is a cycle of practice, failure, teaching and repetition—without putting a real patient at risk. They also explore why attention, storytelling and visual design matter in medical education; how “multitasking” may be better understood as rapid task switching; and what Sara has learned from turning an educational passion project into a working product. In this episode Why expertise is about cognitive strategies and mental models—not simply knowledge Why experts are made rather than born The limitations of the “10,000-hour rule” How deliberate practice differs from repetition When learners are ready to be taught expert ways of thinking Foundational knowledge versus clinically useful organisation Moving beyond mnemonics such as the Hs and Ts How experts can make their implicit reasoning explicit Why acquiring a new mental model can produce a sudden leap in performance The importance of inspiration—and giving learners an achievable pathway How Rapid Sequence creates a safe place to make mistakes Managing several patients, interruptions and cognitive load Teaching shock, respiratory failure and acid–base physiology Why engaging design is part of the educational method The role of games alongside podcasts, lectures and clinical experience Reframing multitasking as rapid task switching The “pause and bookmark” technique for managing interruptions The realities of building an independent medical-education project Why partnership, persistence and a genuine belief in the project matter Learning from podcasts? If podcasts form part of your CPD, you can log your listening time across all podcasts on MedPod Learn — not just St Emlyn's — and generate structured reflection. The app is free to download, includes a one-month free trial, and offers globally adjusted pricing.

No Time To Read podcastS4E7Cis-regulatory sequence evolution     Guest: Kirk Amundson, USDA NIFA Postdoctoral Fellow, Bartlett Lab, University of Massachusetts AmherstX: @KirkAmundson BlueSky: @kirkamundson.bsky.socialHost: Arif Ashraf, Assistant Professor, University of British Columbia  X: @aribidopsis BlueSky: @aribidopsis.bsky.social

In this episode of Denatured, you'll hear from Jack Crawford, CEO of Demetra, and Magnus Gustavsson, chief commercial officer at NorthX Biologics. We unpack the evolution of cell line development — CHO cells, targeted integration, transposases and the collaboration models speeding biologics from sequence to GMP.HostJennifer C. Smith-Parker, Director of Insights, BioSpaceGuestsJack Crawford, CEO, DemeetraMagnus Gustafsson, Chief Commercial Officer, NorthX BiologicsDisclaimer: The views expressed in this discussion by guests are their own and do not represent those of their organizations.

In this episode, I explain why the brain develops one step at a time and why those early developmental stages matter throughout life. We explore how primitive reflexes, posture, movement, and sensory development create the foundation for learning, behavior, and emotional regulation. I also discuss how neuroplasticity gives the brain the remarkable ability to revisit those early building blocks, making meaningful progress possible at any age. - - - - - About the Host: Dr. Laura Hanson is the founder of Connect My Child's Brain and a nationally recognized expert in neurodevelopment, with nearly 30 years of experience helping children and adults who struggle with focus, learning, behavior, and overall brain function. Rather than focusing on labels or symptom management, Dr. Hanson specializes in identifying the underlying patterns in brain development that impact how a person thinks, learns, and functions. She is known for helping families understand why their child is struggling—and more importantly, what can be done about it. - - - - - Connect with Dr. Laura Hanson Website: https://www.connectmybrain.com/ Instagram: https://www.instagram.com/connect.my.brain/ Facebook: https://www.facebook.com/connectmybrain YouTube: https://www.youtube.com/@dr.laurahanson4765 - - - - - PODCAST Thank you for listening. Please subscribe and share. This podcast is produced by DrTalks.com https://drtalks.com/podcast-service/

In an unscheduled episode, Kris Boulton analyses a trainee teacher's volume-of-prisms sequence. He and Craig Barton work through key design principles — simplifying the rule, stripping out the arithmetic, starting with the general case, and building testing and expansion sequences that force genuine mathematical thinking. Access the show notes here: podcast.mrbartonmaths.com/227-breaking-down-an-example-sequence-with-kris-boulton

In this workshop, we show you how to create a cold email sequence that generates leads. We show you how to create a story for your product or service, then break it into a series of cold email messages.  Watch the video here https://youtu.be/sdCVtxYaGsw?si=Tjoi06QVH-I6nRn3

Two people can retire with the same ARF, the same average return, and the same withdrawal rate and still end up in completely different places. One leaves over €1m to his family. The other runs out of money before he turns 88. The only difference is the order in which the returns arrived. In this episode, Paddy breaks down sequence of returns risk in Ireland. The risk that gets far less attention than fund performance or pot size, but can matter more than either. What you'll learn: • Why sequence of returns doesn't matter at all while you're still accumulating • Why the first ten years of drawdown can account for roughly 77% of your final outcome • How Revenue's 4%/5%/6% imputed distribution rules interact with this risk in an Irish ARF • Four practical ways to protect your ARF: cash buffers, dynamic withdrawal, portfolio   construction, and timing flexibility If you're within a decade of retirement, or already drawing an income from your ARF, this is worth half an hour of your time. Enjoy!

This week's show gives a primer on corporate bonds, talks sequence of returns risk and diversification, and answers lots of questions as always!

That is the trap. And it is compounded right now by something called recency bias — the tendency to assume that what has been happening will keep happening. Markets have gone up for a long time. New IPOs are capturing attention. There is enthusiasm in the air. And enthusiasm breeds complacency. People assume the funds that have been performing well will keep performing well, without checking whether the companies inside them still deserve their valuations.   [ { "@context": "https://schema.org", "@type": "PodcastEpisode", "name": "When to Hold, When to Sell: Staying Invested Through Market Volatility", "url": "https://www.dupreefinancial.com/when-to-hold-when-to-sell-market-volatility/", "description": "Tom Dupree and Lead Advisor Mike Johnson discuss the discipline behind staying invested during volatile markets — covering dividend income strategy, valuation-based sell decisions, and why the firm currently holds a significant cash position.", "partOfSeries": { "@type": "PodcastSeries", "name": "The Tom Dupree Show", "url": "https://www.dupreefinancial.com" }, "author": { "@type": "Person", "name": "Tom Dupree" }, "publisher": { "@type": "Organization", "name": "Dupree Financial Group", "url": "https://www.dupreefinancial.com" } }, { "@context": "https://schema.org", "@type": "FAQPage", "mainEntity": [ { "@type": "Question", "name": "Should I sell my investments when the stock market drops?", "acceptedAnswer": { "@type": "Answer", "text": "Selling during a market drop is one of the costliest decisions a retirement investor can make. Research from Hartford Funds shows that 76% of the stock market's best single days occurred during a bear market or in the first two months of a new bull market. Investors who exit to avoid the declines frequently miss the recoveries that follow almost immediately — often within days." } }, { "@type": "Question", "name": "How does dividend income protect a retirement portfolio during volatility?", "acceptedAnswer": { "@type": "Answer", "text": "Dividend income provides a return that doesn't depend on stock prices rising. When markets fall, dividends continue to arrive and can cover living expenses without forcing a sale at depressed prices. For retirement investors managing sequence of returns risk — the danger that early losses permanently damage a portfolio — income from dividends reduces or eliminates the need to liquidate holdings at the worst possible moment." } }, { "@type": "Question", "name": "What is the right way to decide when to sell a stock?", "acceptedAnswer": { "@type": "Answer", "text": "The sell decision should be grounded in company-specific valuation and fundamentals, not broad market fear. A position may warrant trimming when its price has risen well beyond what the underlying business justifies, when the dividend yield for new buyers has become unattractive, or when the company's core business model has changed materially. Selling because the market is falling — absent a fundamental reason specific to that company — is rarely supported by evidence." } }, { "@type": "Question", "name": "Can you successfully time the stock market to avoid losses?", "acceptedAnswer": { "@type": "Answer", "text": "Consistent broad market timing has an extremely poor track record. Fidelity's analysis shows that a hypothetical $10,000 invested in the S&P 500 from 1988 through 2024 grew to over $500,000 for a buy-and-hold investor — but missing just 5 of the best days reduced those gains by 38%, and missing the 50 best days left the investor with under $40,000. The best and worst days cluster together, so exiting to avoid the bad ones typically means missing the good ones too." } }, { "@type": "Question", "name": "What is sequence of returns risk and why does it matter in retirement?", "acceptedAnswer": { "@type": "Answer", "text": "Sequence of returns risk is the danger that poor market returns early in retirement — combined with ongoing withdrawals — permanently damage a portfolio before it can recover. Retirement researcher Wade Pfau found that roughly 77% of a portfolio's final outcome is explained by just the first ten years of returns. Fidelity's research illustrates this with two hypothetical retirees who each start with $1 million and withdraw $50,000 a year, experiencing the same returns over 30 years in reverse order — one finishes with over $3 million, the other runs out of money by year 27. A dividend-income approach helps manage this risk by providing cash flow that reduces forced selling during down markets." } } ] } ] Should You Sell When the Market Drops? The Case for Staying Invested During Volatility By Tom Dupree, Founder — Dupree Financial Group  |  Last Updated: June 2026  |  dupreefinancial.com I have been managing money for 47 years. In that time, I have watched investors survive crashes, recessions, a pandemic, and a handful of moments that felt — from inside them — like the whole thing was coming apart. The ones who came through it best almost never did it by being clever about timing. They did it by staying invested when everything in them said to get out. That sounds simple. It is not. Because when the market is dropping and the financial news is relentless and your account balance is going the wrong direction, selling feels like the rational move. It feels like you are finally doing something instead of just watching it happen to you. But here is what I have seen happen to the investors who acted on that feeling. They sold. They waited for things to settle down. And by the time they felt safe enough to get back in, the market had already recovered most of the ground they were trying to protect themselves from losing. The exit was imperfect. The re-entry was worse. And the cost of both — measured in missed growth and missed dividends — followed them for years. This post is about staying invested during market volatility — what that actually means in practice, when it is right to hold, and how dividend income changes the calculation entirely for anyone approaching or already in retirement. Key Takeaways The best market days happen during the worst ones. Research shows 76% of the market’s best single days occur during bear markets or in the first two months of a new bull run. Exiting to avoid the declines means missing the recoveries. Dividends solve a problem index funds cannot. Income from your holdings lets you cover living expenses in retirement without selling assets at depressed prices — the key to managing sequence of returns risk. Valuation is not the same as market fear. The right reason to sell a position is a change in the company’s underlying value or business fundamentals — not a falling stock price. Cash is a valuation call, not a retreat. Holding more cash than usual signals that current prices don’t offer enough compelling opportunities — it preserves capital and creates optionality. Knowing what you own is not optional. Without understanding your underlying holdings, market price movements become your only signal — and that is exactly when emotional decision-making takes over. Why Panic Selling Costs More Than the Drop Itself There is a number I come back to every time markets get rough, and it never stops being striking. Seventy-six percent of the stock market’s best single days over the past 30 years occurred either during a bear market or in the first two months of a new bull market. Think about what that means in practical terms. The days that do the most to rebuild a damaged portfolio almost never arrive when things feel safe. They arrive in the middle of the chaos — often within days of the worst declines. Fidelity’s data makes the cost of missing those days concrete. A hypothetical $10,000 invested in the S&P 500 from 1988 through 2024 grew to over $500,000 for a buy-and-hold investor. Miss just the 5 best days over that entire period and that gain shrinks by 38%. Miss the 50 best days and the $500,000 portfolio is worth under $40,000. Same time period, same starting amount — the only difference is whether you were in the market on a handful of days you could not have predicted in advance. Most investors who exit during a decline are not planning to miss 30 or 40 good days. They are planning to get back in when things settle down. But the settling down and the best days are not separate events. They are the same event. The investor who moved to cash in March 2020 — when the news was genuinely terrifying — locked in losses right before one of the fastest recoveries in market history. The recovery did not wait for the all-clear signal. “Income from the portfolio tilts the table in your favor — it puts time back on your side while you wait for price appreciation.” — Tom Dupree, Dupree Financial Group I have watched this play out with investors who were half right. They called a decline correctly. The market went down, just as they predicted. But it did not go down as far as they expected, so they never pulled the trigger to buy back in — and then the market moved up, and their window closed. Being right about direction and wrong about magnitude still cost them. A partial win that turns into a full loss. The ego piece matters too. Once someone has made a public call to get out, getting back in means admitting the exit was a mistake. I have seen investors stay on the sidelines for years rather than admit they were wrong. The market moved on. They did not. Why Retirement Investors Face a Different Problem Than Everyone Else For investors who are still accumulating — still adding to their portfolios every month — a market decline is a nuisance. It may even be an opportunity. They are buyers, and lower prices mean they get more for their money. For investors who are drawing from their portfolios to pay for their lives, a market decline at the wrong time is something far more serious. There is a specific name for it: sequence of returns risk. Retirement researcher Wade Pfau has quantified the magnitude of this effect: approximately 77% of a portfolio’s final retirement outcome can be explained by the returns of just the first ten years. The first decade is not just an early chapter in a long story. For most retirees, it is most of the story. Fidelity puts a dollar figure on it. Two hypothetical retirees each start with $1 million and withdraw $50,000 a year, experiencing the exact same set of annual returns over 30 years — just in reverse order. The retiree whose strong years come first finishes with over $3 million. The one whose losses arrive first sees the portfolio gone by year 27. Same returns. Same withdrawals. Different sequence. Completely different life. This is the problem that average returns and long-term market graphs do not show you. They assume you are a lump sum sitting patiently in the market for decades, untouched. Most retirees are not that. They are drawing money out regularly. And when you are drawing money out, the order of returns matters as much as the average of them. I have said this on the show, and I will say it again here: Wall Street will show you long-term averages because averages look good. But averages do not pay your electric bill in a down market. What pays your electric bill is income — dividends arriving in your account regardless of what prices are doing. How Dividend Income Changes the Calculus on Staying Invested When a stock pays a meaningful dividend, the decision to sell it is not just a price decision. It is also a decision to give up a stream of income — potentially forever. That changes the analysis. Take a position like AGNC, a mortgage REIT that carries an above-average dividend yield. The price moves around. But the income it generates is meaningful, consistent, and independent of what the stock is doing on any given Tuesday. Selling to avoid price volatility means giving up that income. And over time, the income you give up typically exceeds whatever you thought you were protecting yourself from. The same logic applies to long-held pipeline stocks. The dividend yield on those positions for new buyers today is far less attractive than it was when we established our stake years ago. But we have continued to hold because the income stream we are receiving — based on our original cost basis — is still excellent, and we do not believe we can replicate that income at current prices. This is the part of portfolio management that does not show up in most financial planning software. It is not just about what a stock is worth today. It is about what it pays you while you hold it. A stock that generates consistent income buys you time — time to wait through price volatility without being forced into a sale, time for the thesis on the business to play out, time for the market to re-price something it has temporarily misjudged. That is what I mean when I say income puts time back on your side. In retirement, time is the asset you have the least of. Dividends give some of it back. When Does It Actually Make Sense to Sell? Staying invested does not mean holding everything forever. The argument against panic selling is not an argument against selling. It is an argument for selling with a reason — a real, company-specific, valuation-grounded reason. We trim positions when the math stops making sense. Earlier this year, we reduced our oil company holdings. Not because oil was going to collapse. Not because the market scared us. But because when we looked at the valuations, the stocks had gotten expensive relative to what the underlying business was actually producing. The commodity prices and the stock prices had diverged to a point where the math no longer worked in our favor. That is a logical reason to take some off the table. We also sold Kroger. That one took a little more explanation to clients. Kroger looks like a grocery company. And it is. But a meaningful portion of Kroger’s profitability runs through its fuel stations. When gasoline prices rise and consumption falls, that profit driver weakens. Meanwhile, the grocery side of the business had to contend with sharply higher food prices — which does not help unit volume. The business model was under real pressure on two fronts. The stock price had not fully caught up with that reality. So we sold. Notice what both of those decisions have in common. Neither one was driven by where the S&P 500 was trading or what the Federal Reserve said last week. Both were grounded in a specific company, a specific business dynamic, and a specific valuation judgment. That process has to be built into how you manage a portfolio from the beginning — not invented in the middle of a panic. Investor Howard Marks captured it well: “You can’t predict, but you can prepare.” The preparation is knowing, in advance, what would cause you to sell a given holding. Price hitting a specific valuation threshold? A change in the company’s earnings power? A dividend cut? Define it before the market gets rough, so you are not making those decisions under pressure. “You can’t predict, but you can prepare.” — Howard Marks, investor and co-founder of Oaktree Capital Management What a Large Cash Position Really Signals Right now, Dupree Financial Group holds roughly 35% of client portfolios in cash and short-duration bonds. That is well above our historical norm. And I want to be specific about what that means and what it does not mean. It does not mean we think the market is about to crash. Nobody knows that. It does not mean we are sitting on our hands. Cash in this rate environment still generates a return. What it does mean is that when we look at current equity valuations broadly — across the sectors we know well, the companies we follow closely — we are having a harder time finding things we want to own at current prices. Valuations look stretched relative to what the underlying businesses can reasonably deliver. And when we cannot find things worth buying at the price the market is asking, holding cash is not a failure of nerve. It is a rational response to what the market is offering. Here is the result we can point to: portfolios with that 35% defensive allocation have delivered returns comparable to some fully-invested indexes. Protecting retirement capital while generating competitive returns with meaningfully less risk — that is not a bad outcome. It is actually the whole point. We are not a hedge fund required to be 100% deployed. We are managing retirement money. That means the risk profile — not the potential return — has to come first. The sell discipline flows from the risk profile. Everything else follows from that. The Real Problem With Most 401(k) Portfolios I talk to a lot of people approaching retirement who, when I ask what they own, tell me the names of their funds. Fidelity Target Date 2025. Vanguard Total Market. Some growth fund their HR department selected in 2011. They do not know the underlying holdings. They do not know their actual sector exposure. They do not know what percentage of the fund is in companies that have become very expensive over the past few years, and what percentage is in companies that are still reasonably priced. They do not know whether any of their holdings pay meaningful dividends. What they do know is the price of the fund. And when the price goes down, that is the only signal they have. No context, no analysis, no understanding of whether the drop reflects something real or just a broad market reaction that will pass. So they feel fear. And some of them act on it. That is the trap. And it is compounded right now by something called recency bias — the tendency to assume that what has been happening will keep happening. Markets have gone up for a long time. New IPOs are capturing attention. There is enthusiasm in the air. And enthusiasm breeds complacency. People assume the funds that have been performing well will keep performing well, without checking whether the companies inside them still deserve their valuations. The major indexes have also undergone significant rotation lately — the companies that led for the past several years are no longer the leaders. If you hold a broad index fund and have not looked inside it recently, the portfolio you thought you owned may be meaningfully different from the one you actually own today. Know what you own. Why you own it. And what conditions would cause you to make a change. That is not a complicated framework. But without it, you are flying on instruments you cannot read in weather you did not see coming. What to Actually Do: A Framework for Staying Invested Wisely Here is how we think about it at Dupree Financial Group — and how I would encourage any retirement investor to think about it: Understand each holding before volatility arrives. Know what every position is, what it pays, what would make you sell it, and what would make you add to it. This should be settled before the market gets rough, not improvised in the middle of it. Build income into the portfolio. Dividend-paying holdings provide cash flow that lets you meet retirement expenses without selling assets at depressed prices. This is the most direct and reliable way to manage sequence of returns risk. Sell on valuation, not on fear. If the stock price has risen well beyond what the business justifies — or if something has fundamentally changed in how the company earns money — that is a reason to trim or exit. A declining stock price, by itself, is not. In fact, a declining price in a good business is often a reason to consider adding. Treat cash as a judgment about opportunity, not a retreat from markets. Holding cash is a statement that you do not currently see enough value to deploy it. It keeps you liquid for when better opportunities appear. It is not the same as giving up on investing. If you do not understand your portfolio, get help before the next downturn. You should be able to articulate, in plain terms, what you own and why. If you cannot, find someone who can help you get there. Not a product salesperson — a fiduciary who charges a fee to give you advice that is actually in your interest. Frequently Asked Questions Should I sell my investments when the stock market drops? Selling during a market drop is one of the costliest decisions a retirement investor can make. Research from Hartford Funds shows that 76% of the stock market’s best single days occurred during a bear market or in the first two months of a new bull market. Investors who exit to avoid the declines frequently miss the recoveries that follow almost immediately — often within days. Unless there is a fundamental, company-specific reason to sell, staying invested has historically been the better outcome. How does dividend income protect a retirement portfolio during volatility? Dividend income provides a return that doesn’t depend on stock prices rising. When markets fall, dividends continue to arrive and can cover living expenses without forcing a sale at depressed prices. For retirement investors managing sequence of returns risk, income from dividends reduces or eliminates the need to liquidate holdings at exactly the wrong moment — which is when the long-term damage typically gets done. What is the right way to decide when to sell a stock? The sell decision should be grounded in company-specific valuation and fundamentals — not broad market fear. A position may warrant trimming when its price has risen well beyond what the underlying business justifies, when the dividend yield for new buyers has become unattractive, or when the company’s core business model has changed materially. Selling because the market is falling, absent a specific reason tied to that company, is rarely the right call. Can you successfully time the stock market to avoid losses? Consistent broad market timing has an extremely poor track record. Fidelity’s analysis shows that a hypothetical $10,000 invested in the S&P 500 from 1988 through 2024 grew to over $500,000 for a buy-and-hold investor — but missing just 5 of the best days reduced those gains by 38%, and missing the 50 best days left the investor with under $40,000. The best and worst days cluster together, so exiting to avoid the bad ones typically means missing the good ones too. Valuation analysis on individual holdings is a more reliable guide than macro market calls. What is sequence of returns risk and why does it matter in retirement? Sequence of returns risk is the danger that poor market returns early in retirement — combined with ongoing withdrawals — permanently damage a portfolio before it can recover. Retirement researcher Wade Pfau found that roughly 77% of a portfolio’s final outcome is explained by just the first ten years of returns. Fidelity’s research puts a dollar figure on it: two hypothetical retirees, each starting with $1 million and withdrawing $50,000 a year, experience the same returns over 30 years but in reverse order — one finishes with over $3 million, the other runs out of money by year 27. A dividend-income approach helps manage this risk by providing cash flow that reduces forced selling during down markets. The Close: What the Market Does Not Owe You I learned this one the hard way early in my career, and it cost me personally and it cost some of my clients. The market does not care that you own something. It does not reward loyalty. It does not notice that you’ve held a position through three bad quarters and deserve a good one. The market is just the market. In the long run, it prices things with reasonable efficiency. In the short run, it is highly inefficient — driven by fear, greed, momentum, and a hundred other forces that have nothing to do with the underlying value of the businesses you own. Your job — and our job — is to understand value well enough to hold when the market underprices something good, and to step back when it overprices something we used to like. To get paid while we wait, through dividends. To stay optimistic enough to keep doing this at all, because investing requires belief that businesses will create value over time and that human ingenuity will keep generating things worth owning. None of that is possible if you sell every time it gets uncomfortable. Staying invested is not a passive act. Done right, it is one of the most disciplined things an investor can do. Related Reading and podcasts: The Tom Dupree Show — Full Episode Archive Dupree Financial Group — How We Build Income Portfolios What Is a Fee-Only Fiduciary and Why Does It Matter? Schedule a Complimentary Portfolio Review If you’re not sure whether your portfolio is built to generate income through market volatility — we’ll take a look. No charge. No pressure. Just an honest conversation about what you own and whether it’s working for you. Call: 859-233-0400  |  Visit: dupreefinancial.com About the Author Tom Dupree is the founder of Dupree Financial Group and has worked in the investment industry for 47 years. Dupree Financial Group is a fee-only, fiduciary Registered Investment Advisory firm based in Lexington, Kentucky, specializing in income-generating, dividend-paying portfolios for retirees and those approaching retirement. Tom hosts The Tom Dupree Show, a weekly radio program and podcast covering retirement investing topics in plain English. Dupree Financial Group is an SEC-registered investment adviser. Registration does not imply a certain level of skill or training. The information presented is for educational purposes only and does not constitute investment advice. All investing involves risk, including the possible loss of principal. Past performance is not indicative of future results. Securities mentioned are for illustrative purposes only and are not a recommendation to buy or sell any security. Please consult a qualified financial professional before making any investment decisions. The post Staying Invested During Market Volatility: When to Hold and When to Sell | Dupree Financial appeared first on Dupree Financial.

David Schlossberg, Senior Partner at Assured Concepts Group, joins Your Money Matters for a ‘Rest Assured' Thursday. David breaks down sequence-of-returns risk, practical strategies to help protect your income in a volatile market, and how the timing of market losses and gains can impact retirement withdrawals. To learn more, visit assuredgroup.com or call 847-426-1077.

The Hidden Investment Risks Pre-Retirees and Retirees Don’t See Coming: Kentucky Retirement Planning Insights Are you approaching retirement and concerned about protecting your life savings from market volatility? In this comprehensive episode of the Tom Dupree Show, Kentucky retirement planning advisors Tom Dupree and Mike Johnson explore the multidimensional nature of investment risk and why personalized investment management is essential for pre-retirees aged 50-65. Unlike mass-market approaches from large firms, Dupree Financial Group provides direct access to portfolio managers who understand your specific retirement goals and risk tolerance. This evergreen financial education episode delivers timeless wisdom on risk assessment, portfolio protection strategies, and why understanding what you own is critical before retirement. Whether you’re working with a local financial advisor in Kentucky or managing investments on your own, these insights will help you make more informed decisions about your retirement security. Key Takeaways: Investment Risk Management for Pre-Retirees Risk is multidimensional: Investment risk extends beyond simple volatility—it includes sequence of returns risk, concentration risk, and the risk of falling short of your retirement goals The Capital Asset Pricing Model misconception: More risk doesn’t automatically mean more return; it means a wider range of potential outcomes, both positive and negative The danger of false security: Long periods of strong returns can create complacency, causing investors to unknowingly take on excessive risk right before retirement Personalized portfolio analysis matters: Your investment strategy must align with your specific retirement timeline, income needs, and risk capacity—not just market averages Understanding beats panic: Clients who truly understand their portfolio holdings don’t panic during market downturns because they know their strategy is designed for their goals Active risk identification: Professional Kentucky retirement planning involves continuously identifying and monitoring specific risks to each holding, not just following the crowd Howard Marks on Investment Risk: Wisdom from a Market Legend The episode draws heavily from Howard Marks’ influential 2006 memo on risk, which Tom and Mike have studied extensively. Marks, co-founder of Oaktree Capital Management, challenges conventional thinking about risk and return relationships. “If more risk always meant more return, it would cease being risky. The risk would be riskless,” explains Mike Johnson, highlighting the fundamental misunderstanding many investors have about the risk-return relationship. The discussion emphasizes that bearing risk unknowingly represents one of the biggest mistakes pre-retirees can make. This is particularly relevant for those who have experienced strong market performance for years without understanding the volatility embedded in their portfolios. The Real-World Cost of Ignoring Investment Risk Tom Dupree shares a cautionary tale that every pre-retiree should hear: “There was a man that came to me years ago who had been at UK for a number of years. He had invested in Fidelity and TIAA-CREF, good funds, great returns. He had something like 1,000,006 and he had averaged 13 and a quarter percent return per year for like 23 years. He extrapolated that he could take 10% a year, which was $160,000, live on it and be okay because it was gonna keep doing that. The sequence of returns turned around and bit him good.” This example perfectly illustrates sequence of returns risk—a critical concept for anyone approaching retirement. Even with excellent average returns, the timing of market downturns relative to when you need to withdraw funds can devastate a retirement plan. This is why personalized investment management from a local financial advisor who understands your specific timeline is so valuable. Why Volatility Isn’t the Only Risk Pre-Retirees Face The episode challenges the traditional definition of investment risk as merely volatility. For pre-retirees and retirees specifically, Mike Johnson explains: “The base case that we’re trying to solve here? We’re speaking specifically to near retirees and retirees. Volatility is gonna be your friend or your foe the day you need to take your money out. That’s gonna be your definition of risk—what has the volatility done to my money the day I need it.” Additional Risk Dimensions for Kentucky Retirement Planning Falling short of goals: The risk that your portfolio won’t produce sufficient income for your desired retirement lifestyle Concentration risk: Over-exposure to single stocks or sectors, especially common with company stock or recent tech winners Unconventionality risk: The professional risk advisors take when thinking independently rather than following the crowd—but this can benefit clients long-term Underperformance risk: Short-term underperformance relative to indices, which requires conviction in your strategy and understanding your goals Hidden risk exposure: Unknown risks embedded in portfolios, particularly index funds that provide no true diversification strategy The False Sense of Security: Why Long Bull Markets Are Dangerous One of the most powerful concepts discussed is how prolonged positive market performance can numb investors to risk—exactly when they should be most vigilant. Mike Johnson references Nassim Taleb’s “Fooled by Randomness” to illustrate this danger: “Reality’s far more vicious than Russian roulette. First, it delivers the fatal bullet rather infrequently, like a revolver that would have hundreds or even thousands of rounds instead of six. After a few dozen tries, one forgets about the existence of a bullet under a numbing false sense of security. One is thus capable of unwittingly playing Russian roulette and calling it by something alternative: low risk.” This perfectly describes the situation many pre-retirees face today after years of strong market performance. The analogy to driving at 90 mph—where you stop feeling the speed—resonates powerfully. You’re taking significant risk, but you’ve become accustomed to it and no longer perceive the danger. Direct Access to Portfolio Managers: The Dupree Financial Difference Unlike large firms where you’re assigned an investment counselor who may change frequently, Dupree Financial Group provides direct access to portfolio managers Tom Dupree and Mike Johnson. This relationship-focused approach enables: Deep understanding of your specific retirement timeline and goals Customized portfolio construction based on your unique risk capacity Ongoing education about what you own and why you own it Proactive risk identification specific to your holdings The ability to think unconventionally when it serves your interests “When our clients understand what’s in their portfolio and why, they don’t call us panicking when the market drops,” Tom Dupree emphasizes, highlighting the value of education and transparency in financial relationships. Why Index Funds Aren’t a Complete Investment Strategy The episode delivers a sobering message about the limitations of index fund investing for retirees: “If you don’t like risk and you think that you’re not taking any risk by investing in the S&P 500, sweetie pie, you need to get in the money market fund and just hope you got enough money to ride through it because you are taking risk that you don’t know about. And that is a problem because you’re gonna find it out in a very uncomfortable way at some point.” This doesn’t mean index funds have no place in portfolios, but rather that they shouldn’t be confused with a comprehensive retirement income strategy. Personalized portfolio analysis considers: Your specific income needs in retirement Time horizon until you need to access funds Concentration risk in popular stocks or sectors The difference between the accumulation and distribution phases Tax efficiency of different investment approaches Building a Foundation: From Stocks to Portfolio For younger investors just starting out, Mike Johnson offers this perspective: “If somebody’s in their late twenties, early thirties and they have a few stocks here and there, that’s great. You’re ahead of the curve from a lot of people, but that is not a portfolio. What you want to do is lay a foundation that’s more sturdy, more solid than just having a few stocks here and there.” This guidance is equally relevant for pre-retirees who may have accumulated individual positions over time without a cohesive strategy. Kentucky retirement planning requires transitioning from an accumulation mindset to a distribution strategy—and that requires professional portfolio architecture. The Retirement Risk Equation: It’s About Income, Not Just Account Balance One of the most important insights for pre-retirees: “Remember, it’s not just the accumulation, it’s not the dollar amount, it’s what it’s gonna produce for you and how long can it produce that to sustain you. Retirement has the normal set of rules plus other variables that you have to take into consideration.” This shift in perspective—from portfolio value to sustainable income—is where personalized investment management becomes critical. Every individual’s situation differs slightly, and those differences matter enormously in retirement planning. Faith, Risk, and Investment Philosophy Tom Dupree introduces an often-overlooked dimension of investment risk: the role of faith. Not just faith in markets or historical returns, but a deeper consideration of existential risk and what you ultimately trust. “Underpinning any investment scheme is faith. At the base of everything related to risk is faith. You cannot get away from it. One of the things about the God factor is that it takes certain elements of risk that you’re willing to take on for yourself and transfers them to a higher power.” While this dimension is personal and not emphasized in typical financial planning, it reflects Dupree Financial Group’s holistic approach to understanding clients as people—not just portfolios. Frequently Asked Questions About Investment Risk and Retirement Planning What is the biggest investment risk for pre-retirees? The biggest risk for pre-retirees is sequence-of-returns risk—experiencing market downturns just as you begin withdrawing from your portfolio. Even with strong average returns over time, poor returns in the years immediately before and after retirement can devastate your retirement security. This is why personalized retirement planning in Kentucky focuses on more than just average returns. How is investment risk different for retirees versus younger investors? For retirees, risk is primarily defined by volatility’s impact on withdrawals. When you need to take money out during a market downturn, you crystallize losses and reduce your portfolio’s recovery potential. Younger investors have time to recover from volatility. As Tom Dupree explains, “Volatility is gonna be your friend or your foe the day you need to take your money out.” Are index funds safe for retirement portfolios? Index funds are not inherently “safe” for retirement—they carry significant volatility and concentration risks (especially in large-cap tech stocks right now). While they can be part of a retirement strategy, they should not be confused with a comprehensive income plan. Local financial advisors can help design strategies that balance growth needs with income stability. How much can I safely withdraw from my retirement portfolio annually? There’s no universal answer—withdrawal rates depend on your portfolio composition, risk tolerance, retirement timeline, and income needs. The gentleman in Tom’s example assumed 10% annual withdrawals based on historical 13.25% returns, which proved disastrous. Personalized portfolio analysis determines sustainable withdrawal rates specific to your situation. Why should I work with a local Kentucky financial advisor instead of a large national firm? Local advisors like Dupree Financial Group provide direct access to portfolio managers who personally manage your investments, rather than being assigned to a counselor who may change. You receive personalized service, education about your holdings, and strategies tailored to your specific goals—not mass-market approaches. Tom emphasizes: “When our clients understand what’s in their portfolio and why, they don’t call us panicking when the market drops.” What does it mean to “know what you own” in my portfolio? Knowing what you own means understanding not just the names of your holdings, but the specific risks each position carries, how they work together, and why each was selected for your situation. It means knowing what could go wrong with each investment and having conviction in your overall strategy during market volatility. How often should I review my retirement portfolio risk? Pre-retirees should review portfolio risk at least annually, and more frequently as retirement approaches. Risk tolerance, time horizon, and income needs change as you near retirement. Kentucky retirement planning professionals continuously monitor holdings for emerging risks and rebalance as needed. What is concentration risk, and why does it matter? Concentration risk occurs when your portfolio has too much exposure to a single stock, sector, or asset class. Many investors have unknowingly accumulated concentration in large technology stocks through both index funds and individual holdings. If that sector declines, your entire portfolio suffers disproportionately. Diversification addresses concentration risk. How do I know if I’m taking too much risk before retirement? Signs you may have excessive risk include: heavy concentration in stocks after years of strong returns, high portfolio volatility relative to your withdrawal timeline, lack of income-producing assets, or simply not understanding what you own. A complimentary portfolio review with Dupree Financial Group can identify hidden risks: call 859-233-0400. What makes Dupree Financial Group’s investment philosophy different? Dupree Financial Group focuses on building long-term relationships with people—not just managing money. The team conducts their own research, provides comprehensive education, thinks independently rather than following the crowd, and designs portfolios around your specific goals. Learn more about their investment philosophy. Schedule Your Complimentary Portfolio Risk Analysis Don’t Wait for a Market Downturn to Discover Hidden Risks in Your Portfolio If you’re retired or approaching retirement, understanding the specific risks in your portfolio is critical. After 47 years in the investment business, Tom Dupree has seen countless retirees discover they were taking far more risk than they realized—often at the worst possible time. Dupree Financial Group offers Central Kentucky residents a complimentary portfolio review to help you: Identify hidden concentration risks in your current holdings Understand the sequence-of-returns risk as you approach retirement Evaluate whether your portfolio aligns with your retirement income needs Learn what you actually own and why it matters Develop a personalized strategy for your retirement timeline Call 859-233-0400 to schedule your complimentary consultation Or visit us online: Schedule Your Personalized Portfolio Analysis Learn About Our Investment Philosophy Listen to More Market Commentary Read Client Testimonials Explore Kentucky Retirement Planning Services Dupree Financial Group serves clients throughout Central Kentucky, including Lexington, Louisville, Frankfort, Winchester, Richmond, and surrounding communities. About the Tom Dupree Show The Tom Dupree Show provides timeless financial education for investors approaching and in retirement. Hosted by Tom Dupree, Jr., founder of Dupree Financial Group, and portfolio manager Mike Johnson, each episode delivers practical insights on investment management, retirement planning, and portfolio risk assessment. Unlike generic financial advice, the show focuses on the specific challenges facing Kentucky retirees and pre-retirees. Tom Dupree founded Dupree Financial Group on the principle that creating long-term relationships with people—not just their money—is the key to successful wealth management. With direct access to portfolio managers and personalized investment strategies, Dupree Financial Group delivers the attentive service of a local advisor with the knowledge of a seasoned investment team. Episode Type: Evergreen Financial Education Primary Topics: Investment Risk, Retirement Planning, Portfolio Management, Sequence of Returns Risk Featured Guests: Mike Johnson, a member of the team at Dupree Financial Group Listen to More Episodes: Market Commentary Archive Share This Episode Help others understand investment risk by sharing this episode: www.dupreefinancial.com/podcast The post The Hidden Investment Risks You Don’t See Coming: Kentucky Retirement Planning Insights appeared first on Dupree Financial.

Learn more about Refrigeration Mentor Customized Technical Training Programs at www.refrigerationmentor.com/courses Join the Refrigeration Mentor Hub here In this episode, we're introducing a new segment called "Can You Solve This Service Call?" using real life examples to test your knowledge as a technician walking into a call. In this example, we've got a compressor running continuously, some key readings, however it's determined the compressor itself isn't the issue. We'll run through critical checks and processes for this common situation, all in an effort to outline things to look for and help techs identify root cause issues faster and more confidently.  In this episode, we cover: (01:34) Example Service Call (04:25) Sequence of Checks (05:25) Key Check: Filter Drier (09:30) Think Restriction First (10:06) Service Call Checklists  (12:09) Building Customer Trust Helpful Links & Resources: DOWNLOAD: Free System and Compressor Troubleshooting Guide Episode 360. Get Curious on Service Calls (For Faster Troubleshooting) Episode 181: Ways To Be More Efficient As A Technician And How To Reduce Your Troubleshooting Time with Jim Marsen

Watch the Interview on Youtube for Visuals - https://youtu.be/TS_RTVc3PL8Want to See If Whole Life Insurance Can Improve Your Financial Plan? Schedule Your Clarity Call Here: https://bttr.ly/bw-yt-aa-clarityWant Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-reviewWant Free Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vaultLearn More About BetterWealth: https://betterwealth.comChapters:00:00 - Intro 01:21 - The "Mountain" Analogy: Accumulation vs. Distribution 04:53 - Reversing Engineering Income Over Net Worth 07:25 - The One Economic Power Approach 09:12 - Impact of Sequence of Returns on Retirement Assets 10:02 - S&P 500 Historical Data Case Study (1999-2024) 14:40 - Two Economic Powers: Accumulation and Distribution16:04 - Historical Context: The Shift from Pensions to 401(k)s 18:08 - Integrating Investments and Insurance for Efficiency 23:29 - The Three Functions of Money in Retirement: Income, Liquidity, Legacy 27:09 - The Waterfall Effect: Optimizing for Paycheck First 32:23 - Customizing Retirement Packages Based on Personal Preference 35:37 - The "One-to-One" Ratio Concept and Balancing Powers 38:01 - Volatility Buffers and Mitigation Strategies 41:34 - Analyzing Life Insurance: Whole Life vs. Indexed Universal Life (IUL) 46:55 - The Reality of Taxes and Market Efficiency 52:25 - Conclusion and Future Cash Flow PlanningDISCLAIMER: https://bttr.ly/aapolicy*This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

Connect with Rohit Punyani: https://ownersasset.com/resource-libraryBook a call: https://remnantfinance.com/calendar Out Print the Fed with a 1% target per week: https://remnantfinance.com/optionsEmail us at info@remnantfinance.com or 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 SUBSCRIBE_____________________________In this episode, Hans welcomes back Rohit "Ro" Punyani from The Owner's Asset for his third appearance, this time for a deep dive on retirement planning that takes apart the conventional model and rebuilds it around income and freedom rather than net worth.They walk through why Monte Carlo simulations and the 4% rule fail in the real world, how sequence of returns risk quietly destroys plans, and why net worth is the wrong number to chase. From there they lay out the two bookends of every plan, the 25X accumulation rule and the 12X annuity rule, and land on the middle ground: roughly 30% in risk-free assets paired with dividend growth equities, structured so you never have to sell unrealized losses.Chapters: 00:00 – Opening segment02:55 – Freedom vs. surety of income: two definitions 05:25 – Re-pensionizing America and why the wealthy never stop 08:45 – Why entrepreneurship is about who you become 12:30 – Why Monte Carlo simulations don't work 14:55 – Sequence of returns risk explained 16:50 – Why even a linear 9% return runs out of money 18:35 – Where to start: the two bookends 19:25 – The 4% rule and the 25X heuristic 20:25 – The annuity bookend and the 12X heuristic 22:30 – The annuity's Achilles heel: inflation 24:40 – Inflation riders and the joint annuity strategy 27:55 – Net worth is not a proxy for income 30:50 – Why age 65 is arbitrary 33:50 – Building toward a dream part-time job 36:05 – The 30% rule and the Ernst & Young study 43:35 – The S&P: great for accumulation, terrible for distribution 45:00 – Dividend achievers, aristocrats, and kings 47:35 – The magic number is 8: yield on cost explained 51:15 – Earn compound interest, pay simple interest 56:00 – Why this strategy is so hard to run 57:35 – The Bessembinder study and why indexing works 01:04:05 – A plan is not a plan if you can run out of money 01:06:20 – Closing segmentKey Takeaways:Retirement isn't the absence of work, it's freedom, the ability to do what you want, when you want, with whoever you want. The people who retire to something thrive; the ones who only retire from something often don't last.Net worth is not a proxy for income. Retirement planning is income planning. A zero-dollar net worth with $20,000 a month of guaranteed income beats a huge number you're too scared to spend down.You can average 7%, withdraw 4%, and still go broke. The average return doesn't matter, the sequence does. A couple of down years early in retirement force you to sell principal, and no Monte Carlo simulation can model human behavior, lifestyle creep, or a long-term care event.Know your two bookends. Multiply your target income by 25 (the 4% rule) for the high end of what you need to save, and by 12 (an 8% annuity) for the low end. For $100K a year, that's $2.5M versus $1.2M, and the right answer for most people sits in the middle.Index to dividend growth, not just the S&P. Roughly 40% of the S&P's total return since inception has come from dividends, and dividend aristocrats have historically raised payouts faster than inflation, giving you an inflation-indexed income stream instead of forcing you to decide what to sell, when, and how much.

Jade and I discuss Shownu and Hyungwon's unit album, Love Me, our disappointment in some of the repetitive English lyrics and our overall impressions, we discuss Zerobaseone's Ascend album, the first after four members had to leave to go back to their original company, which then brought us to the last group And2ble, who are the 4 members from Zerobaseone that left with the addition of Seungeon, formerly of Evnne. And2ble's Sequence 01: Curiosity, and Zerobaseone's Ascend, ended up being fantastic albums from both groups. Highly recommend both. Lastly, we discuss JYP's Fanonmenon Global K-Pop Festival, the ramifications of having the big 4 in control of a "Coachella" type festival and what it could mean for groups of smaller companies.

On paper, now looks like a fine time to retire. Annuity rates are generous, gilts finally pay a real return, and even cash earns its keep. But retire into a richly-valued market and a bad first few years can ravage a pot you can't easily rebuild. And in today's Dumb Question of the Week: Can you un-retire? --- Thank you to Trading 212 for sponsoring this episode. Claim free fractional shares worth up to ‎£⁠100. Just create and verify a Trading 212 Invest or Stocks ISA account, make a minimum deposit of £1, and use the promo code "RAMIN" within 10 days of signing up, or use the following link: Sponsored Link. Terms apply - trading212.com/join/RAMIN When investing, your capital is at risk and you may get back less than invested. Past performance doesn't guarantee future results. Pies & Autoinvest is an execution-only service. Not investment advice or portfolio management. Automatic investing refers to executing scheduled deposits. You are responsible for all investment and rebalancing decisions. Free shares can be fractional. 212 Cards are issued by Paynetics which provide all payment services. T212 provides customer support and user interface. Terms and fees apply. ---Get in touch

Brandt and Eric look forward to Gen Con before moving on to reviews of Excalibur, LLAMA and LLAMA Dice, Grand Central Skyport, and Sequence. The Big Roll has us looking at the oldest games in our collections, and our doubles review is of the latest from Space Cowboys: First Giants. 00:00 - Introduction 00:32 - Gen Con 03:17 - Excalibur 08:00 - LLAMA and LLAMA Dice 13:29 - Grand Central Skyport 20:15 - Sequence 24:42 - The Big Roll: Oldest Games in Our Collection 34:57 - Doubles Review: First Giants ___ Check out our Sponsor: https://grandgamersguild.com Support us on Patreon: https://patreon.com/RightBrainRollers Follow us on Facebook: https://facebook.com/groups/914270393090805 Discuss in our BGG forum: https://boardgamegeek.com/guild/4193

As you get closer to retirement, move your money to safer investments. It sounds reasonable. But what if that one piece of conventional wisdom could cost you €80,000 or more? In this episode, Paddy unpacks one of the most consequential (and most overlooked) investment decisions you'll make: whether to reduce investment risk before you retire. For a lot of Irish pension holders, this decision has already been made for them automatically, through something called lifestyling often without their knowledge or consent. Paddy works through the two opposing risks at the heart of the decision: de-risking too early and leaving significant growth on the table in your final accumulation years and sequence-of-returns risk, the single most underappreciated danger in early retirement. Using two scenarios he shows how a default setting can quietly create an €85,000–€100,000 gap, and why the order in which your returns arrive matters more than the average. You'll come away with a simple three-question framework to bring deliberate, personalised thinking to your own pension, instead of leaving it to a system designed for an average that doesn't exist. What this Episode covers: •  The two real risks and why most people only know one •  Lifestyling: what your provider may be doing without telling you •  The €85k–€100k cost of de-risking too early •  Sequence-of-returns risk and the retirement 'red zone' •  The bucket strategy as a simple income buffer •  A three-question framework for the ten years before retirement And if you like to read this episode again, read the full blog post here: www.informeddecisions.ie/post/reduce-investment-risk-before-retirement-ireland  Chapters: 00:00 - The €80,000 question 01:30 - The two real risks 04:00 - Lifestyling explained 07:00 - The real numbers 12:00 - Sequence-of-returns risk 17:00 - The decision framework 21:00 - Mistakes to avoid + ARF considerations 24:30 - Summary & key takeaways  

If you earn $400,000 or more, much of the standard financial advice you encounter was written for someone with a very different set of circumstances. You can max the 401(k), buy index funds, and hold a 60/40 portfolio and still end up with a plan built almost entirely out of a single material: market-correlated growth assets. The discipline isn't the problem. The construction is. A useful way to look at your plan is to divide it into two lanes. The growth lane is everything priced by public markets — stocks, most bonds, real estate, anything subject to economic forces beyond your control. The stability lane is the part of your balance sheet whose job is to hold its value and be available on your schedule, regardless of what equities are doing. For most high earners, the stability lane is empty, and that matters more than it sounds. Sequence-of-returns risk — the order in which good and bad years arrive — can be the difference between finishing retirement with millions and running out of money, even when the average return is identical. Having two or three years of spending available from a non-correlated source means you stop selling equities into a decline, which is the only job the stability lane has to do. Taxes layer onto this in ways that get overlooked. The 3.8% Net Investment Income Tax kicks in at $250,000 of modified adjusted gross income for a married couple and hasn't moved since 2013. IRMAA — the income-related Medicare surcharge — operates as a cliff, not a ramp, with a two-year lookback that catches more high earners than you'd think. Both become easier to manage when part of your retirement income comes from sources that don't add to MAGI, such as cash value life insurance loans or certain annuity payments. The argument isn't that you should swap your portfolio for insurance products. It's that an all-growth plan has no lever to pull when these cliffs and surtaxes come into view. _______________________________ If you want to talk through whether your plan has a working stability lane — and what it would take to build one — you can schedule a 30-minute call or write us a message. No pitch, just a conversation about how the pieces fit together for your situation.

What does it actually mean to follow Jesus with your whole life—not just on Sundays, but in your thoughts, your words, and your everyday decisions? If God calls us to “be holy in everything you do,” what does that look like practically, and what keeps us from pursuing it? This message challenges us to examine whether our lives truly reflect that we belong to Him.Watch full services online at ⁠growpoint.church/watch⁠.

You worked for decades to build your wealth. But what happens when it's time to stop saving and start using it? Matt Landon, CFP®, and CEO of Semmax Financial Group, and Larry VanLandingham, CFP®, walk through the shift from accumulation to distribution, covering income planning, tax strategy, and the mindset changes most people are not fully prepared for. If you are within five years of retirement or already there, this conversation will help you understand where to start, what to watch for, and how to build a plan that gives you real confidence no matter what the markets are doing.   Key Takeaways: Getting to retirement and getting through it are two very different challenges. The shift from saving to spending is harder than most people expect, and it requires a real plan. Taxes are likely your single largest expense in retirement, and the order you draw from accounts matters. Stress-testing your plan against real historical events gives more durable confidence than any headline can shake. You cannot control market noise or political headlines, but you can control whether you have a plan. If you are handing your advisor statements instead of a strategy, you do not have a plan yet.   Chapters: 0:00 Introduction 0:20 Are You On Track? Defining What That Actually Means 2:09 The Mindset Shift from Saving to Spending 6:19 Building an Income Plan for Retirement 8:57 Tax Strategy and the Sequence of Distributions 17:18 Where to Start 18:31 Stress-Testing Your Plan Against Real Market Events 23:16 Tuning Out the Noise  

In this episode, David McKnight addresses one of the biggest myths in retirement planning: once you retire, you need to dramatically reduce your exposure to stocks. The reason why most financial advisors recommend reducing stock exposure in retirement has very little to do with stocks and everything to do with sequence of returns risk. Sequence of returns risk is what happens when you're forced to withdraw money from your investment portfolio during a market downturn. If the market falls 30% and you're simultaneously taking withdrawals to pay for your living expenses, you're locking in losses and permanently impairing your portfolio's ability to recover. According to David, the way to solve this problem is by ensuring that your essential expenses are covered before you ever retire. When you're at least five years out from retirement, David believes that one of the most important decisions you can make is to create the so-called income floor. An income floor is a guaranteed stream of income that covers your basic living expenses regardless of what the stock market is doing. The volatility shield adds a second layer of protection that has to do with discretionary expenses (e.g., a trip around the world, taking the grandchildren to Disney World, etc.). Suze Orman has controversially recommended that retirees keep 3-5 years' worth of living expenses in a savings account, so they don't have to sell investments during a market downturn. While David agrees with the concept, he doesn't see savings accounts as the most efficient place to put that money in. Instead, he'd rather have retirees accumulate that money in a completely separate account (a volatility shield) – which, unlike a savings account, has the potential to grow 5-7% net fees over time. Looking for an alternative volatility shield? Look at cash value life insurance in the form of indexed universal life (IUL), says David. An Ernst & Young study found that retirees who included the volatility shield strategy and a guaranteed lifetime income annuity in the retirement plan were able to dramatically increase the sustainable withdrawal rate on their investment portfolio. Since the early 1990s, the gold standard on sustainable withdrawal rates has been 4%. The 4% Rule says that if you withdraw approximately 4% of your portfolio each year, there's a reasonably high chance that your money will last a full 30-year retirement. However, when retirees had access to a volatility buffer and could avoid taking distributions following market downturns, sustainable withdrawal rates increased dramatically (in some scenarios, up to 8%). David is a believer of the fact that the portfolio that got you into retirement can also take you through retirement – with a recommended 70% in U.S. stock market index funds and 30% in international stock market index funds. For David, the reason why this approach works well is that, with it, you solve the two biggest issues in retirement: income and volatility. Moreover, if you can position these assets inside tax-free accounts through strategic Roth contributions and Roth conversions, you gain protection against yet another threat, tax rate risk. David concludes by stressing that it is not that the buy-and-hold strategy doesn't work, it's that most retirees don't have the protection tools necessary to stay committed to the strategy when markets become turbulent.     Mentioned in this episode: David's new book: The Secret Order of Millionaires David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track Tax-Free Income for Life: A Step-by-Step Plan for a Secure Retirement by David McKnight DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com Suze Orman Ernst & Young

What if we stopped treating pregnancy like a problem to be avoided and started seeing it as a hope to be cherished? In this episode, we dive deep into why the current approach to sex education is failing our youth and how we can flip the script to promote a culture of life, marriage, and family.

Richard Strauss: Der Rosenkavalier, Op. 59, Waltz Sequence, No. 2Slovak Philharmonic Orchestra Zdeněk Košler, conductorMore info about today's track: Naxos 8.550342Courtesy of Naxos of America Inc.SubscribeYou can subscribe to this podcast in Apple Podcasts, or by using the Daily Download podcast RSS feed.Purchase this recordingAmazon

If you're an SLP who's wondering how you can effectively address complex skills relating to both language and executive functioning in the school systems… The primary challenge is that BOTH language and executive functioning are incredibly complicated. Even just focusing on one or the other can be overwhelming. Layer on the challenges with the way related service providers are expected to provide interventions in the schools, and it seems impossible. Unfortunately, that challenge has resulted in debates on whether executive functioning is more important than language and vice versa, which isn't useful. You don't have to decide which is more important. They both are. We need to find a way to address them both. I help clinicians do that with a concept I call “cycling”. What I do is teach clinicians a set of core treatment techniques that fit within a set of foundational areas that support language and executive functioning.That's why in this episode, I share how to target both language and executive functioning in direct intervention with enough depth that you get results. In this episode, I reveal:✅ When it's appropriate to think of language intervention in terms of working up a hierarchy of skills, and when it doesn't.✅ Why using treatment cycles is more effective than trying to pin down a “scope and sequence” for language and cognitive intervention.✅ How to use intervention cycles to build a language therapy system, and eventually move on to layering in more robust executive functioning support. ✅ Why layering other service delivery models outside of direct intervention is essential for generalization, and how to make sure support is happening outside your sessions. Additional resources mentioned in this episode:Free Training: Three Shifts to Turning Your Clinical Expertise Into a Scalable Language Therapy System Link here: https://drkarenspeech.com/languageWhy language therapy works better in cycles than in a linear sequence Link here: https://drkarenspeech.com/why-language-therapy-works-better-in-cycles-than-in-a-linear-sequence/You think you need a language therapy hierarchy. That's why your system never feels stable. Link here: https://drkarenspeech.com/you-think-you-need-a-language-therapy-hierarchy-thats-why-your-system-never-feels-stable/How to target both language and executive functioning in therapy with enough depth to get resultsLink here: https://drkarenspeech.com/how-to-target-both-language-and-executive-functioning-in-therapy-with-enough-depth-to-get-results/In this episode, I mentioned Language Therapy Advance Foundations, my program that gives speech pathologists a scalable framework for building language skills needed to thrive in school, social situations, and daily life. You can learn more about the program here: https://drkarenspeech.com/languagetherapyI also mentioned School of Clinical Leadership, my program that helps related service providers design scalable executive functioning interventions to ensure students get the scaffolding they need across the school day. You can learn more about the program here: https://drkarendudekbrannan.com/clinicalleadership Learn more about today's sponsors, Playworks, IXL and Renaissance:Learn more about Renaissance:As a global leader in education technology operating in more than 110 countries, Renaissance is committed to providing educators with insights and resources to accelerate growth and help all students build a strong foundation for success. We believe that technology can unlock a more effective learning experience, ensure that students get the personalized teaching they need to thrive, and help educators and administrators to truly, fully, See Every Student. Learn more at renaissance.com.We're proud to be sponsored by Playworks, a 501(c)3 nonprofit organization with evidence-based practices that help schools improve the health and well-being of children by increasing opportunities for physical activity and safe, meaningful play.If you're a school or district leader struggling with the challenge of chronic absenteeism, as so many are across the U.S., you may not realize that structured recess is a research-backed approach to keep kids in school. In fact, a UC Berkeley study of Title I schools found that those partnering with Playworks had significantly lower chronic absenteeism rates. Further, Mathematica research demonstrated that Playworks schools spent 27% less time transitioning from recess back to learning, saving teachers valuable instructional time. These results are possible for your students, too. Learn how Playworks can help you improve student-educator relationships, belonging, and attendance by signing up for a quick no-obligation conversation. We're also thrilled to be sponsored by IXL. IXL's comprehensive teaching and learning platform for math, language arts, science, and social studies is accelerating achievement in 95 of the top 100 U.S. school districts. Loved by teachers and backed by independent research from Johns Hopkins University, IXL can help you do the following and more:Simplify and streamline technologySave teachers' timeReliably meet Tier 1 standardsImprove student performance on state assessments

Are business owners putting too much trust in traditional retirement advice?In this episode of Grow Your Business & Grow Your Wealth, Gary Heldt talks with Barry James Dyke, President of Castle Asset Management, about the hidden risks inside the financial system, retirement planning, and Wall Street driven investment strategies.Barry shares his contrarian perspective on mutual funds, ETFs, private credit, leverage, banking risk, and why business owners need to think more carefully about liquidity, guarantees, and long term retirement security. He also explains why sequence of returns risk can be one of the biggest threats for people approaching retirement.6 Key Takeaways→ Mutual funds and ETFs may be familiar, but investors need to understand who profits from them.→ Business owners need retirement plans that support liquidity and future exit planning.→ Sequence of returns risk can seriously damage retirement outcomes close to retirement.→ Barry believes too many consumers do not understand how much leverage exists in the banking system.→ Retirement planning should include guardrails, guarantees, and protection, not just market exposure.→ Self-reliance and asking better financial questions are more important than ever.To learn more about Barry James Dyke, his books, and Castle Asset Management, visit:BarryJamesDyke.comVisit Gary Heldt's website at https://www.sbadvisors.cc/Connect with Gary on LinkedIn: https://www.linkedin.com/in/gary-d-heldt-jr/

In this episode of On The Mark, Mark Immelman welcomes Carolin Pinegger (Austrian national team alum, UCF golfer, former LPGA/Symetra player, and now coach + social media star). Carolin shares what it was like competing on Big Break: Myrtle Beach—five weeks isolated, long production days, constant cameras—and why that experience made competitive golf feel easy by comparison. From there, the episode becomes a masterclass on what really wrecks swings: Tension, driven by brain “traffic.” Carolin explains how to train your brain like a muscle, use breathing to shift from “red” (overstimulated) back to “green,” and build dependable systems that hold up under pressure. Then she delivers a set of at-home drills (no range required) to improve grip, sequencing, pressure shift, and putting start line—using everyday items like a hammer, mirror, towels, and books. In This Episode, You'll Discover:  What Big Break pressure is really like (cameras, no phones, 3 hours sleep) Why tension happens — and how the brain's “traffic” affects your body The mindset truth: You don't rise to standards — you fall to systems How to move from “red” to “green” using belly breathing, and Why at-home motion training works (less “hit ball” mode, more learning.) Carolin also share 5 Game Improvement drills you can do at home: Drill #1: Hammer & Hinge (fix grip + wrist set, stop early elbow fold) Drill #2: Backswing Sequence (Mirror) (hinge → arms → shoulders → hips) Drill #3: Mirror Depth Check (hands near heels; match top position to your shot shape) Drill #4: Flow / Pressure Shift (towels under feet for rhythm + movement) Drill #5: Book Putting Gate (start-line training + “through” mindset.)  Key Takeaways: Your brain is trainable. Treat it like a muscle and build routines that lower “traffic.”  Pressure kills feel. Systems hold up when nerves show up. Grip + wrist function matter. Many swing issues start with the trail hand and early elbow fold. Sequence starts in the backswing. Build separation in the backswing, then keep moving through. Putting begins with start line. You can't make it if you can't start it on your intended line. This podcast is also available as a vodcast on YouTube.  In fact it is recommendable to watch it so you can learn exactly how to do the drills.  Search and subscribe to Mark Immelman.

This episode puts the Nexus Labs HVAC Sequence Optimization Playbook to the test with energy leaders from University of California, San Francisco Health and University of California, Santa Cruz. Together, they explore what it really takes to reduce HVAC energy consumption, combat operational drift, and maintain occupant comfort across complex building portfolios. The discussion walks through the playbook's phases—from setup and pilot projects to scaling and sustaining optimization programs over time. Along the way, they share practical lessons on controls infrastructure, measurement and verification, team structure, and continuous improvement. It's a candid look at how real-world energy managers are turning HVAC optimization into a repeatable, long-term operational strategy. Find full show notes and episode transcript on The Nexus Podcast: Episode 198 webpage. Sign-up (or refer a friend!) to the Nexus Newsletter. Learn more about The Smart Building Strategist Course and the Nexus Courses Platform. Check out the Nexus Labs Marketplace. Learn more about Nexus Partnership Opportunities.

The AI Build-Out Is Real — And It’s Reshaping How We Invest for Retirement THE TOM DUPREE SHOW  |  PODCAST SHOW NOTES The AI Build-Out Is Real — And It's Reshaping How We Invest for Retirement The Tom Dupree Show  |  Dupree Financial Group  |  dupreefinancial.com  |  859-233-0400  |  Air Date: June 6, 2026 Episode Description Something significant is happening in the markets, and it goes well beyond the daily headlines. On this episode of The Tom Dupree Show, host Tom Dupree sits down with in-house analysts James Dupree and Michael Dawahare to examine the accelerating AI infrastructure build-out — and what it actually means for investors who are at or approaching retirement. The conversation covers the bottleneck stocks driving extraordinary gains in data centers and memory chips, Canada's surprise $1 trillion infrastructure pivot, and why software companies like Snowflake and ServiceNow are proving that AI complements rather than kills their business models. The team also addresses the ongoing Iran conflict, what oil futures markets are signaling, and why the sequence of returns — not average returns — is the number that retirement investors should be watching most closely. “Markets don't drift up — conviction is what moves them higher. Right now, the conviction is building around AI infrastructure, and the fundamentals are finally starting to catch up with the story.” Topics Covered AI infrastructure bull case — why the fundamentals are finally catching up with the story Micron, data centers, and the bottleneck theme — the stocks supplying scarce components for the AI build-out Jensen Huang's public endorsement of Marvell Technology — what a declaration like that signals to institutional investors Agentic AI explained — what it means for your phone, your business, and your portfolio Canada's $1 trillion infrastructure pivot — global validation of the AI build-out thesis from an unlikely source Software stocks proving their staying power — how ServiceNow and Snowflake are showing AI and software can coexist How AI is already driving revenue gains — consumer companies reporting explosive results from targeted AI marketing The Iran conflict and oil futures — what prediction markets and WTI pricing are signaling about resolution Sequence-of-returns risk in retirement — why when your portfolio loses matters more than how much it earns on average Dupree Financial Group's in-house research approach — knowing what you own and why, not just riding an index Key Takeaways The AI build-out thesis is getting real-world validation.  PMI data hit a four-year high this week, suggesting genuine economic activity is accelerating alongside AI infrastructure investment — not just market narrative. Bottleneck stocks carry both opportunity and serious risk.  Companies supplying scarce components for data centers have posted extraordinary gains, but volatility cuts both ways. Position sizing and portfolio context matter. Software isn't dead — it's adapting.  Snowflake and ServiceNow are reporting earnings that prove their platforms work alongside AI tools, not against them. Productivity gains, not replacement, is the emerging story. Global capital is aligning behind AI infrastructure.  Canada's sharp $1 trillion policy reversal covering energy, data centers, and defense adds significant international weight to the same thesis driving U.S. markets. How AI gets monetized is still being figured out.  Business-to-business subscriptions and API-based usage models are the most likely path forward, but valuations remain stretched until earnings consistently catch up. Sequence-of-returns risk is retirement's hidden danger.  A portfolio drop in year one of withdrawals — even if markets recover later — can permanently reduce the income your portfolio generates. Dividend-focused portfolios are built to absorb that risk. In-house research is how you truly know what you own.  Dupree Financial Group's analysts study these sectors every day so clients hold positions they understand — not just exposure to the broadest index available. The Iran situation is complex, but markets are pricing in a resolution.  Oil futures for July through September are trading in the $70–$80 range, suggesting the futures market expects the conflict to ease — though the IRGC's fractured structure makes certainty impossible. About The Tom Dupree Show The Tom Dupree Show is hosted by Tom Dupree, founder of Dupree Financial Group and a 47-year veteran of the investment business. Each episode covers the financial topics that matter most to retirees and those approaching retirement — in plain English, without the Wall Street spin. Dupree Financial Group is a fee-only, fiduciary Registered Investment Advisory firm based in Lexington, Kentucky. The firm manages separately managed accounts focused on income-generating, dividend-paying portfolios — no products sold, no commissions, no conflicts of interest. Past episodes are available at  dupreefinancial.com  under the Radio tab. Schedule a Complimentary Portfolio Review If you're not sure whether your retirement portfolio is built to generate income through market turbulence — or if you're just riding an index fund hoping for the best — we'll take a look. No charge. No pressure. Just an honest conversation about what you own and whether it's working for you. Call:  859-233-0400   |   Visit:  dupreefinancial.com Dupree Financial Group is a Registered Investment Adviser (RIA) registered with the U.S. Securities and Exchange Commission. Registration does not imply a certain level of skill or training. The information presented on The Tom Dupree Show is for educational and informational purposes only and should not be construed as personalized investment, tax, or legal advice. Past performance is not indicative of future results. Investing involves risk, including the possible loss of principal. Please consult a qualified financial professional before making any investment decisions. The post AI Infrastructure Stocks & Your Retirement Portfolio appeared first on Dupree Financial.

WHAT AN ABSOLUTELY MAGNIFICENT, CINDERELLA-INSPIRED SEASON PREMIERE BLOCK! Bridgerton Season 4 Episodes 1 & 2 Ending Reaction & Breakdown with John Humphrey and Greg Alba! Bridgerton Season 4 Full Uncut Watch-Along:   / thereelrejects   Check out the DC Studios: Showcase Podcast HERE https://app.magellan.ai/listen_links/... BRIDGERTON 3x7 & 3x8 Reaction:    • BRIDGERTON SEASON 3 Episode 7 & 8 REACTION...   BRIDGERTON 3x5 & 3x6 Reaction:    • BRIDGERTON SEASON 3 Episode 5 & 6 REACTION...   BRIDGERTON 3x3 & 3x4 Reaction:    • BRIDGERTON 3x3 & 3x4 REACTION – THAT CARRI...   BRIDGERTON 3x1 & 3x2 Reaction:   • BRIDGERTON 3x1 & 3x2 REACTION – PENELOPE &...   Support The Channel By Getting Some REEL REJECTS Apparel! https://www.rejectnationshop.com/ In this comprehensive premiere review and reaction, John and Greg break down the exceptional dramatic depth, gorgeous cinematography, and tragic hidden backstories anchoring the start of the season. We celebrate the layered performance of the returning main cast, starring Luke Thompson (Dunkirk, Misbehaviour) delivering sheer romantic gravitas as the world-weary second son Benedict Bridgerton, Yerin Ha (Halo, Dune: Prophecy) bringing massive emotional weight to the screen as the mysterious Lady in Silver, Sophie Baek, and Golda Rosheuvel (Dune, Torchwood) commanding the screen with pure regal intensity as Queen Charlotte. We also dissect the stellar performances of Ruth Gemmell (Fever Pitch) as the matchmaking matriarch Violet Bridgerton, Nicola Coughlan (Derry Girls, Barbie) as Penelope Bridgerton, and Claudia Jessie (Vanity Fair) sporting a stellar chainmail look as Eloise Bridgerton. Additionally, we break down the spectacular additions to the ensemble, including Katie McGrath (Supergirl, Merlin) bringing pure icy brilliance to the screen as the ruthlessly evil stepmother Lady Araminta Penwood. Our hosts react to every pulse-pounding, high-society setpiece, starting with the breathtaking visual elegance of the season's opening Masquerade Ball, the iconic Coldplay "Viva La Vida" string quartet needle drop, and Benedict's instant, all-consuming fascination with the masked Lady in Silver. We break down the tragic parallel framing of Sophie's real life as a heavily degraded housemaid under the tyranny of Lady Araminta, the shocking backstory reveal of Sophie being the illegitimate ward of the late Lord Penwood, and the cruel, suspenseful moment where Araminta forces Sophie onto her knees to try on a diamond-encrusted slipper. From Queen Charlotte's deeply human and heartbreaking confrontation with Brimsley over her shrinking inner circle to the dark, rescue-thriller country estate sequence where Benedict aggressively steps in to save an unrecognized Sophie from an assault by Lord Cavender, Greg and John dive into why this specific premiere block stands out as a massive narrative triumph for the franchise. Drop your thoughts on the new season and Sophie's tragic hidden identity in the comments below! Follow Greg Alba:  Instagram: https://www.instagram.com/thegregalba/ Twitter:  https://x.com/thegregalba Intense Suspense by Audionautix is licensed under a Creative Commons Attribution 4.0 license. https://creativecommons.org/licenses/... Support The Channel By Getting Some REEL REJECTS Apparel! https://www.rejectnationshop.com/ Follow Us On Socials:  Instagram: https://www.instagram.com/reelrejects/  Tik-Tok: https://www.tiktok.com/@reelrejects?lang=en Twitter: https://x.com/reelrejects Facebook: https://www.facebook.com/TheReelRejects/ Music Used In Ad:  Hat the Jazz by Twin Musicom is licensed under a Creative Commons Attribution 4.0 license. https://creativecommons.org/licenses/by/4.0/ Happy Alley by Kevin MacLeod is licensed under a Creative Commons Attribution 4.0 license. https://creativecommons.org/licenses/... POWERED BY @GFUEL Visit https://gfuel.ly/3wD5Ygo and use code REJECTNATION for 20% off select tubs!! Head Editor: https://www.instagram.com/praperhq/?hl=en Co-Editor: Greg Alba Co-Editor: John Humphrey Music In Video: Airport Lounge - Disco Ultralounge by Kevin MacLeod is licensed under a Creative Commons Attribution 4.0 license. https://creativecommons.org/licenses/by/4.0/ Ask Us A QUESTION On CAMEO: https://www.cameo.com/thereelrejects Follow TheReelRejects On FACEBOOK, TWITTER, & INSTAGRAM:  FB:  https://www.facebook.com/TheReelRejects/ INSTAGRAM:  https://www.instagram.com/reelrejects/ TWITTER:  https://twitter.com/thereelrejects Follow GREG ON INSTAGRAM & TWITTER: INSTAGRAM:  https://www.instagram.com/thegregalba/ TWITTER:  https://twitter.com/thegregalba Learn more about your ad choices. Visit megaphone.fm/adchoices

What if trauma is more than a psychological experience? In this episode, I sit down with Dr. Aimie Apigian, a Preventive and Addiction Medicine Physician and founder of Trauma Healing Accelerated™, to explore how trauma becomes stored in the body and influences the nervous system, metabolism, immune function, and overall health. Together, we challenge the conventional view of trauma and examine why unresolved survival responses can contribute to chronic symptoms, fatigue, dysregulation, and disease. We discuss the differences between stress and trauma, the body's survival adaptations, the five patterns of stored trauma, and the critical role of the autonomic nervous system in recovery. Dr. Aimie shares her Biology of Trauma® framework, explaining how healing goes beyond mindset and requires creating safety within the body to restore resilience, regulation, and lasting health. If you've ever wondered why some patterns seem impossible to change, why chronic symptoms persist despite doing everything "right," or why healing often feels incomplete, this conversation may completely transform the way you think about trauma, health, and recovery.   Key takeaways: Trauma is not limited to psychological impacts but involves complex biological adaptations that affect the entire body system. Stress and trauma are distinct, with trauma representing an overwhelming threat that triggers a different survival response. Unresolved trauma can lead to chronic health conditions, including autoimmunity and fatigue, highlighting the need for integrative healing methods. Healing from trauma requires creating an environment of safety before addressing deeper emotional and physiological issues. Effective trauma therapy should incorporate mind work, body somatic work, and biology for comprehensive healing.   More About Dr. Aimee Apigian: Dr. Aimie Apigian is a double board-certified physician in Preventive and Addiction Medicine, with advanced training in biochemistry, public health, and functional medicine. She is the national bestselling author of The Biology of Trauma (foreword by Gabor Maté), featured on the USA TODAY Best-Selling Booklist and recipient of multiple book awards. She is known for making trauma healing both precise and deeply human, bridging functional medicine, attachment science, and trauma therapy to show how the body stores survival patterns and what it specifically needs to heal. Through her Biology of Trauma® framework, she integrates somatic work, parts work, and targeted biology to identify where the system is blocked and restore its capacity for healing through a structured, measurable sequence. Dr. Aimie is the founder of Trauma Healing Accelerated™ and host of the Biology of Trauma® Podcast, where she trains individuals and practitioners worldwide to move beyond insight into real, lasting change. Website Instagram Connect with me! Website Instagram Facebook YouTube

Scope and Sequence Speaker: Jim Blalock

Retirement planning is not about retirement.That's the provocation David opens with — and he means it. This episode isn't another checklist. It's a ground-up rethink of what the 5-to-10-year sprint before retirement actually demands: emotionally, philosophically, and financially.Starting with a question no financial podcast has the nerve to ask — is retirement even a biblical concept? — David works through everything from the psychology of stopping work to the hard mechanics of income portfolios, tax strategy, and the risks that blow up otherwise solid plans.If you've been coasting toward retirement on autopilot, this episode is the alarm clock.In This Episode0:00 — Cold OpenWhy the conventional framing of retirement is wrong, and what this episode is actually going to cover.~3:00 — Is Retirement Even a Biblical Concept?The word never appears in Scripture. The one exception in Numbers 8, what the parables actually teach about accumulation, and why the biblical model looks more like a pivot than a finish line.~9:00 — The Behavioral Trap: What Will You Actually Do?The identity crisis nobody warns you about, retirement depression, underspending vs. overspending, and five questions worth sitting with before you make any financial decisions.~15:00 — The Purpose Problem: Should You Even Fully Retire?The happiest retirees David has seen, the financial benefits of partial work, and why "retire to something" beats "retire from something" every time.~20:00 — Business Owner or Employee: The Decisions Are DifferentW-2 employees: catch-up contributions, pension options, the healthcare gap before Medicare, Social Security timing. Business owners: exit planning, retirement plan vehicles, tax-efficient value extraction, and the concentration risk problem.~26:00 — Accumulation vs. Distribution PortfoliosWhy the portfolio that built your wealth can destroy your retirement. Sequence of returns risk explained plainly — same average return, completely different outcomes.~29:00 — The Bucket StrategyThree buckets, three time horizons, one framework that eliminates panic selling. How Bucket One is your shock absorber and why Bucket Three can still be aggressive.~32:00 — Roth vs. Pre-Tax: The Great DebateIt's almost always "and," not "or." Tax diversification, the Roth conversion window, and why business owners have unique opportunities here.~35:00 — The Risks Nobody Wants to Talk AboutLongevity risk (you live longer than your money does) and long-term care (70% of retirees will need it). What hybrid products exist now and why waiting to have this conversation is itself a costly decision.~38:00 — Spend on Experiences While You Can + Legacy PlanningThe go-go, slow-go, no-go framework. Why retirees wait too long. Legacy basics: beneficiary designations, powers of attorney, donor-advised funds, and the "talk while you can" imperative.Key Takeaways

It's one of the most common questions people type into Google once they hit 50: should I be taking less investment risk? It feels like a reasonable question. But according to Chief Investment Officer Meghan Pinchuk, it may be the wrong one entirely. In this episode of Financial Commute, Meghan and host Chris Galeski unpack what drives the right level of investment risk at any age, from longevity and sequence of returns risk to the emotional factors that quietly derail even well-built plans. Spoiler: age is further down the list than most people think.Questions This Episode AnswersShould I take less investment risk now that I'm 50?Not necessarily, and maybe not at all. Age by itself is not the right variable. The more useful question is: how close are you to the spending phase of your life, and how long does your portfolio need to last? Someone retiring at 65 with a life expectancy well into their 80s or 90s has a 25 to 30 year window their money needs to cover. A portfolio that's too conservative early in that window may not grow fast enough to last the distance. The old model of shifting heavily into bonds at retirement was designed for a world where retirement lasted 10 or 15 years. That world is largely gone. What is the biggest investment risk people over 50 actually face?Two things come up repeatedly in this conversation. The first is behavioral risk: abandoning a sound investment strategy during a market downturn. Meghan and Chris point to 2008, 2020, and 2022 as examples of periods when investors who panicked and sold missed the recovery entirely, permanently reducing their long-term returns. Research consistently shows that retail investors earn significantly less than the indices they invest in, largely because of this pattern. The second is sequence of returns risk: being forced to sell assets early in retirement, when prices are depressed, in order to cover living expenses. That combination, selling low and losing compounding time, is what genuinely harms long-term plans. What is sequence of returns risk, and why does it matter so much at retirement?Sequence of returns risk is the danger of experiencing a major market decline right at the moment you transition from accumulating assets to spending them. If your portfolio drops 30 or 50 percent in the first years of retirement and you're selling shares to cover expenses, you lock in those losses and shrink the base that would otherwise recover and compound. The timing matters as much as the magnitude. A 50 percent decline early in retirement is far more damaging than the same decline ten years in, when you've already drawn down a portion of your portfolio and have fewer assets exposed. How does longevity change the risk equation for people over 50?Significantly. Earlier generations could plan for a retirement of 10 to 15 years. Today, a 65-year-old retiring without a pension may need their savings to last 25 to 35 years. That length of time changes almost everything about portfolio design. It means you likely need more growth assets, not fewer, to outpace inflation and sustain your lifestyle. It also means the risk of running out of money may be a greater threat than the risk of a temporary market decline. At the same time, most of this generation is the first to fund retirement entirely on their own, without a pension providing a guaranteed income floor. How do advisors think about how much risk to take in a portfolio?Meghan and Chris break it into two questions. First, how much growth do you mathematically need? Given your expenses, savings, and expected retirement length, what return does your portfolio need to deliver for your plan to work? That's a numbers question. Second, what is your actual emotional tolerance for volatility? Someone who needs strong returns but cannot psychologically handle large drawdowns is in a difficult position that pure math can't resolve. A good financial plan has to account for both, because a strategy you abandon in a panic is worse than a more conservative strategy you can stick with. What is the bucket approach, and how does it help manage risk in retirement?The bucket approach divides your portfolio by time horizon and purpose rather than treating it as a single pool. Bucket one covers your emergency fund and near-term expenses, held in stable, liquid assets that won't lose significant value in a downturn. Bucket two generates the income you need to cover living expenses over the medium term. Bucket three is your long-term growth engine, invested in equities and other higher-volatility assets. The practical benefit: when markets fall, you draw from bucket one rather than selling growth assets at depressed prices. You don't need to react emotionally because you already have a structured plan. What if I take less risk and miss out on a strong market run?This is a real risk that doesn't get discussed enough. If you reduce your equity allocation because you feel you don't need the growth, and then markets rise 20 or 30 percent over several years, the emotional pressure to chase that return can cause investors to buy back in at much higher prices than they would have paid originally. Meghan calls this FOMO risk, and it's worth running through before you make changes. If the market keeps running and your portfolio doesn't keep pace, what would you actually do? Being honest about that in advance leads to a more realistic allocation decision. When is the right time to buy more stocks?In theory, the best time to buy growth assets is when they've gotten significantly cheaper, during recessions and sharp corrections. In practice, almost no one does it. Chris notes that across market downturns in 2009, 2011, 2018, 2020, and 2022, very few clients called eager to buy more stocks. The ones who did are, in hindsight, easy to identify as the ones who made the best long-term decisions. Understanding this tendency ahead of time, and building a plan that doesn't rely on making courageous decisions in the middle of a crisis, is one of the most practical things a financial advisor can help with. 

We all want retirement success. But how do we achieve it? What if the best method is to identify possible *failures* first, and then simply work backward to avoid those failures?  Looking for a financial planner?  → PlanWithJesse.com In this episode, Jesse applies Charlie Munger's principle of inversion to retirement planning, arguing that instead of only defining success, investors should first identify how retirement plans fail and then design strategies to avoid those outcomes. He introduces a framework of 14 retirement risks and focuses on the first seven: longevity risk, inflation risk, household risk, market risk, sequence of returns risk, withdrawal risk, and health risk. Longevity risk is framed as the danger of outliving assets. Inflation risk is described as the gradual erosion of purchasing power, with equities and TIPS offering partial protection while cash and bonds provide stability at the cost of real returns. Household risk centers on coordination between partners, emphasizing survivor planning, shared understanding of finances, and alignment on spending and documentation. Market risk is presented as unavoidable and inseparable from long-term investing, managed primarily through time, rebalancing, and disciplined behavior. Sequence of returns risk highlights the disproportionate impact of poor early-retirement market performance, with cash and bond buffers used to mitigate early withdrawal pressure. Withdrawal risk focuses on spending levels that are too high relative to portfolio size, while health risk underscores that physical and cognitive decline can ultimately matter more than financial outcomes, making long-term health investment a critical component of retirement planning. Key Takeaways: • Retirement planning is improved by focusing on failure modes first. • Longevity risk is the danger of outliving retirement savings. • Inflation risk reduces purchasing power over long retirement horizons. • Household risk stems from misalignment or loss within a couple or family. • Market risk is unavoidable in exchange for long-term returns. • Sequence of returns risk is most dangerous early in retirement. • Withdrawal risk occurs when spending exceeds sustainable portfolio levels. • Health risk can undermine retirement quality regardless of wealth. Key Timestamps: (01:07) – Charlie Munger During WWII (03:13) – Quick Overview (09:40) – 1: Longevity Risk (15:17) – 2: Inflation Risk (19:17) – 3: Household Risk (23:39) – 4: Market Risk (27:31) – 5: Sequence of Returns Risk (31:48) – 6: Withdrawal Risk (33:30) – 7: Health Risk Key Topics Discussed: The Best Interest, Jesse Cramer, Wealth Management Rochester NY, Financial Planning for Families, Fiduciary Financial Advisor, Comprehensive Financial Planning, Retirement Planning Advice, Tax-Efficient Investing, Risk Management for Investors, Generational Wealth Transfer Planning, Financial Strategies for High Earners, Personal Finance for Entrepreneurs, Behavioral Finance Insights, Asset Allocation Strategies, Advanced Estate Planning Techniques Mentions: https://bestinterest.blog/e126/ https://bestinterest.blog/e87/ https://bestinterest.blog/rmds-sequence-risk-retirement-destruction/ Retirement Planning Guidebook: Navigating the Important Decisions for Retirement Success by Wade Pfau Wade Pfau chart: https://www.advisorpedia.com/media/2024/2/Sequence_of_returns_risk.png https://open.spotify.com/episode/1ox7hbv5uhG3bHsIzf2Cfk?si=keUGIC4uSfOoEl4VrcpbPg   https://bestinterest.blog/e122/  More of The Best Interest: Check out the Best Interest Blog at https://bestinterest.blog/ Contact me at jesse@bestinterest.blog Need a financial planner?  → PlanWithJesse.com  The Best Interest Podcast is a personal podcast meant for education and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

Markets, retirement, inflation, taxes, the Fed, portfolio risk, and financial planning — nothing is off limits during this week's Q&A Wednesday. Lance and Danny answer viewer questions live and break down what matters most to investors right now, from market volatility and interest rates to retirement income strategies and long-term wealth planning. Join the conversation and get straightforward insights from real advisors dealing with real-world financial challenges every day. Here's a topical rundown of today's show: 0:00 - INTRO 1:09 - Markets Set New Highs, Iran Talks Continue 5:46 - Markets' Rising on One Sector 9:54 - When Will the Market Correct? 15:16 - Inflation Strategies - What Is Your Goal? 20:54 - What Does "Increasing Equity Exposure for Summer" Look Like? 23:14 - Is Space a Viable Investment? 28:14 - What is the Narrative for Foreign Countries Selling U.S. Debt? 30:20 - Backing Into a Diversification Strategy 32:24 - Focus on the "P" in GDP 34:00 - Why Own Long Bonds? 37:20 - What is Your Reinvestment Risk? 38:46 - How to Protect from Sequence of Returns Risk? 40:48 - What Milton Friedman Really Said Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/zzDZJD0kIeA ------- Articles Mentioned in Today's Show: "Corrections vs. Bear Markets: Why 20% Declines Are Obsolete" https://realinvestmentadvice.com/resources/blog/corrections-vs-bear-markets-why-20-declines-are-obsolete/ "SpaceX IPO: Should I Buy It, Or Wait?" https://realinvestmentadvice.com/resources/blog/spacex-ipo-should-i-buy-it-or-wait/ ------- Watch today's "Before the Bell" feature, "Narrow Rally Risks," here: https://youtu.be/dO-rDPLZBa8 ------- Watch our previous show, "Why 20% Market Drops Don't Matter," https://youtube.com/live/PdNwnrviYnQ?feature=share ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series presentation, "A SimpleVisor Tutorial," Thursday, June 4, 2025 at Noon: https://streamyard.com/watch/MwairsimgmnS --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #AIStocks #MarketBreadth #Investing #FederalReserve #QandAWednesday #FinancialPlanning

Markets, retirement, inflation, taxes, the Fed, portfolio risk, and financial planning — nothing is off limits during this week's Q&A Wednesday. Lance and Danny answer viewer questions live and break down what matters most to investors right now, from market volatility and interest rates to retirement income strategies and long-term wealth planning. Join the conversation and get straightforward insights from real advisors dealing with real-world financial challenges every day. Here's a topical rundown of today's show: 0:00 - INTRO 1:09 - Markets Set New Highs, Iran Talks Continue 5:46 - Markets' Rising on One Sector 9:54 - When Will the Market Correct? 15:16 - Inflation Strategies - What Is Your Goal? 20:54 - What Does "Increasing Equity Exposure for Summer" Look Like? 23:14 - Is Space a Viable Investment? 28:14 - What is the Narrative for Foreign Countries Selling U.S. Debt? 30:20 - Backing Into a Diversification Strategy 32:24 - Focus on the "P" in GDP 34:00 - Why Own Long Bonds? 37:20 - What is Your Reinvestment Risk? 38:46 - How to Protect from Sequence of Returns Risk? 40:48 - What Milton Friedman Really Said Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/zzDZJD0kIeA ------- Articles Mentioned in Today's Show: "Corrections vs. Bear Markets: Why 20% Declines Are Obsolete" https://realinvestmentadvice.com/resources/blog/corrections-vs-bear-markets-why-20-declines-are-obsolete/ "SpaceX IPO: Should I Buy It, Or Wait?" https://realinvestmentadvice.com/resources/blog/spacex-ipo-should-i-buy-it-or-wait/ ------- Watch today's "Before the Bell" feature, "Narrow Rally Risks," here: https://youtu.be/dO-rDPLZBa8 ------- Watch our previous show, "Why 20% Market Drops Don't Matter," https://youtube.com/live/PdNwnrviYnQ?feature=share ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series presentation, "A SimpleVisor Tutorial," Thursday, June 4, 2025 at Noon: https://streamyard.com/watch/MwairsimgmnS --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #AIStocks #MarketBreadth #Investing #FederalReserve #QandAWednesday #FinancialPlanning

Email doesn't have to feel like a blank Google Doc staring into your soul.In this episode, Allison chats with Liz Wilcox, the Fresh Princess of Email Marketing, about how to write emails that actually get opened, read, replied to, and yes, even clicked on.Liz breaks down why your emails don't need to be overproduced or packed with “value” to work, and why the best email content often starts with real-life moments, simple conversations, and a little personality. Because the goal isn't just to close a sale, it's to open a conversation.TAKEAWAYS:Your emails don't need to be complicated to be effective. Liz shares how showing you're invested, becoming relatable, and staying top of mind can help your subscribers actually care about what you send.The “Email Staircase” framework helps you move people from follower, to friend, to customer by building trust through personality, vision, and values.Being relatable doesn't mean everyone has to love the exact same things you do. When you share specific pieces of your personality, your audience can connect with the feeling behind them.Replies are not a distraction from your business, they can be a money-making activity. Conversations in the inbox give you real market research, better sales copy, and clearer insight into what your audience actually needs.If your subscribers stay “friends” but never become customers, you may not be selling enough. Liz gives a refreshing reframe on selling more often without making it weird.LINKS YOU MIGHT FIND HELPFUL: Check out the blog post that accompanies this podcast episode for more details and resources.Get access to the singular email (and a fill-in-the-blank template) that was directly responsible for selling over $80,000 worth of courses, memberships, and digital products in 2025 by clicking here.Snag Liz's Welcome Sequence TemplatesVisit Liz on her websiteCONNECT WITH ALLISON:Follow Allison on InstagramDID YOU HAVE AN 'AH-HA MOMENT' WHILE LISTENING TO THIS EPISODE?If you are ready to take action from listening to this episode, head to Apple Podcasts and help us reach new audiences by giving the podcast a rating and a review. Music by: www.bensound.comLicense code: 8G1GJZZDCLKGU9NRArtist: : Benjamin Tissot

What if the real danger in retirement isn't running out of money, but spending so cautiously that you accidentally work too long, live too small, and die with a portfolio that never got a chance to do its job? In part two with Aubrey Williams, we go deeper into the "fog of FI" (that weird, anxious place where the spreadsheet says you're free, but your nervous system absolutely does not believe it). This episode covers: Why the 4% rule can make FI people overwork and underspend How future income streams like Social Security can move your FI date forward Why flexible spending is more realistic than flat, inflation-adjusted withdrawals How risk-based guardrails help you know when to cut or increase spending Why many FI people need more help increasing spending than reducing it How personal inflation can differ from CPI and affect retirement planning Why historical analysis may be more useful than Monte Carlo for some FI decisions How small amounts of income in retirement can meaningfully reduce portfolio pressure Why engineers and analytical types often need better data to trust they're "done" How Bill is using these ideas to finally get clearer about leaving work sooner . S U P P O R T    T H E    S H O W

By Keith K Haab - God accepted Christ first, giving hope to the rest of the firstfruits.

In this episode, Dr. K explores the science of flirting and romantic connection, revealing why most people find it so frustrating and inconsistent. He breaks down the psychological theory of play, the five distinct styles of flirting, and why maintaining plausible deniability is the most vital feature of any romantic interaction. What to expect in this episode: The Plausible Deniability Rule: Understanding why flirting is intentionally designed to be ambiguous to maintain social safety and avoid being perceived as "creepy". The Detection Gap: A look at research showing that humans are 84% accurate at sensing a lack of interest, but only correctly identify flirting 28% of the time. Five Styles of Flirting: A breakdown of the Traditional, Physical, Sincere, Playful, and Polite archetypes and how to identify which style you and your partner prefer. Hygiene vs. Genetics: Why scientific data suggests that bad hygiene and a "slimy" approach are far more significant deal breakers than having "poor looks". The Power of Awkwardness: Why showing embarrassment after a rejection is actually a positive empathic signal that proves you respect boundaries and care about the other person. Negativity Bias in Dating: How low self-esteem creates a filter that causes you to interpret 70% of ambiguous signals as negative, leading to a cycle of perceived failure. Neurodivergence and Ambiguity: Why those on the autism spectrum struggle with flirting due to its reliance on non-verbal "theory of mind" rather than rigid, logical rules. The Sequence of Flirting: A deep dive into how signaling availability often serves as the necessary first step before a successful approach can happen. Introducing the HG AI Tool: A first look at the new alpha-test AI trained on years of Healthy Gamer content to help you find tailored answers to complex mental health questions. Dr. K's NEW Guide to Love, Sex, & Relationships is here! Order now: https://bit.ly/4dO3x0VHG Coaching : https://bit.ly/46bIkdo Dr. K's Guide to Mental Health: https://bit.ly/44z3SztHG Memberships : https://bit.ly/3TNoMVf Products & Services : https://bit.ly/44kz7x0 HealthyGamer.GG: https://bit.ly/3ZOopgQ Learn more about your ad choices. Visit megaphone.fm/adchoices

Andy and Brad Flood from Tenon Financial share their thoughts on a handful of current events and "hot topics" relating to retirement planning. Specifically, they talk about:Portfolio withdrawal strategies for addressing sequence of returns risk ( 10:44 )Using financial planning software and dealing with its limitations ( 26:25 )Thoughts on Medicare surcharges known as IRMAA, and how much they should be factored into tax planning ( 40:25 )Dealing with legacy investments in client's accounts when clients want to streamline and simplify their holdings, but also want or need to continue to hold some existing positions of theirs ( 46:14 )Balancing optimization and simplicity in financial planning; when is "good enough," enough? ( 58:29 )When in the year to take distributions from Required Minimum Distributions ("RMDs") ( 1:12:19 )A summary of our processes and semiannual meetings at Tenon Financial ( 1:19:02 )Links in this episode:Tenon Financial's website summarizing services and fees - https://tenonfinancial.com/services-and-feesTo send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.comMy company newsletter - Retirement Planning InsightsFacebook group - Retirement Planning Education (formerly Taxes in Retirement)YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)Retirement Planning Education website - www.RetirementPlanningEducation.com

Dr. Stephen Meyer ; Cambridge PhD, New York Times bestselling author, and the world's leading voice for intelligent design joins Mind Pump to lay out the scientific case for God. Not from faith, not from scripture, but from the hard data of physics, cosmology, and molecular biology.