Podcasts about Sequence

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.

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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

Today's guest is Company Director at Harris + Wood.He started his estate agency career in 2009 as a trainee negotiator with Spicerhaart before moving across to Sequence and eventually launching his own business in 2017.In this episode we discuss the entrepreneurial mindset, the importance of the right people and partnerships, mentors and coaches, business structure, strategy, expansion, culture, marketing, customer experience, technology and AI.You do not want to miss this episode with an exceptional estate agent and business owner who is growing a very reputable estate agency business and shares plenty of secrets behind his success.

This week, Angela discusses the significant impact of inflation on retirement planning. The conversation emphasizes the importance of proactive financial planning to ensure individuals can not only retire but also remain retired successfully despite rising costs. Key Takeaways

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

There are 3 vital steps that, when taken in order, produce a 97% chance of success in several key areas of life. We review this important data, which may surprise you, and we look at 2 daily actions you can take in your marriage and family relationships that are game-changers! Practical and doable!

The Rebbe examines the process and significance of lighting the Menorah in the Beis HaMikdash, discussing the broader spiritual implications for Jews. This includes insights into divine service, unity, and how such actions reflect higher spiritual truths in daily life. https://www.torahrecordings.com/likutei-sichos/023/004_003

Diego loses control and goes after Sylvia. Ara and Tosh intervene but so does Quila. Quila addresses Sylvia privatey about Diego's condition. Ara is summoned to speak about her mission with the Church of the Eye, but is offered a chance to learn more about Sequence.

What happens after a reader signs up for your free registration tier? If you aren't actively nurturing them during the honeymoon period of peak engagement, you are leaving predictable reader revenue on the table.In this episode of the Paywall Podcast, Pete and Tyler break down the anatomy of high-converting email drip campaigns. They contrast two radically different, successful publisher case studies. One niche enthusiast publication dominates with just one perfectly timed email. Another educational publisher leverages an intensive 18-email sequence to drive continuous paid conversions.Whether you cover hyper-local news or serve a deep-niche enthusiast market, you will learn how to stop nagging readers for money. You will discover how to build real trust, leverage your unique voice, and match your email cadence to user intent.Key TakeawaysThe Transactional Goldmine: Your initial account confirmation email boasts an average 70% open rate. If you don't have a subtle, text-based subscription CTA at the bottom, you are missing your most visible touchpoint.The 60-Minute Honeymoon Window: Giving readers an hour to digest your content pays off. One publisher sends a beautiful, high-value welcome email exactly 60 minutes after registration, and it is their highest-converting inbound marketing asset.The Content Bundle Hack: Packaging your best evergreen articles into a free Essentials resource bundle can instantly spike your free registrations. One niche publisher saw a 30% jump using this exact tactic.Local News Playbook: Local publishers should skip aggressive discounts. Instead, focus on introducing your team, highlighting investigative wins, and leaning into your highest-traffic content categories like local food, crime, or politics.The Two Superpowers: You already have the content and the traffic. You just need the confidence to protect your value with a strategic registration wall and a purposeful email sequence.Links & Resources MentionedLeaky PaywallNewsletter GlueCase Studies Referenced: Small Boats Magazine and The Moss ReportTool Highlight: Leaky Paywall Timewall Extension (automatically shifts free content behind the paywall after a set amount of time to create natural urgency)

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

The Psychology of Social SecurityThe conventional wisdom says almost always delay Social Security until 70. New research says that advice is wrong for more people than you'd think — and the reason it's wrong isn't purely math. It's psychology.In this episode, David covers the 90-year history of Social Security, how it fits into a real retirement income plan, the four most overlooked risks of delay, and what the 2025 Trustees Report actually says about the program's solvency — including the number most people get completely wrong.What We CoverA brief history — From the Great Depression to the 1983 near-collapse, and Ida May Fuller's legendary $24.75 investmentThe retirement income pyramid — Where Social Security belongs in your plan, and what it was never designed to doFour hidden risks of delay — Mortality, sequence of returns, regret, and health span — risks that almost never show up in the standard researchThe solvency picture — 2025 Trustees Report data, depletion dates, and what "81 cents on the dollar" actually means (hint: it's not zero)Your personal discount rate — The framework for finding the right claiming age for your specific situationThe Four Risks of Delay Nobody Talks About1. Mortality RiskA terminally ill 72-year-old takes no comfort in knowing their mortality-adjusted benefits went up. The standard research averages across everyone who lives and everyone who dies. That works for actuarial tables. It doesn't work for advising one individual human being about their own life.2. Sequence of Returns RiskIf you retire at 62 and delay Social Security until 70, you're spending down your portfolio for eight years before the checks start. Run that scenario through the 2008 financial crisis: same spending, same portfolio — but $578,000 left at claim-at-62 vs. $171,000 at claim-at-70. Same spending. Vastly different cushion.3. Regret RiskRisk = Hazard + Outrage. Two scenarios with the same expected value can feel completely different. If a client's psychological wellbeing matters to us — and it should — we can't ignore the emotional weight of the decision.4. Health Span + Spending OptionalityA dollar at 62 is worth more than a dollar at 95. At 62 you can take the trip, help your kids with a down payment, do the things that require energy and mobility. Social Security won't advance you five months of benefits to take your daughter on the trip she'll talk about forever. A healthy portfolio can.Key Numbers From This EpisodeAge 89 — How long you need to live for delaying from 67 to 70 to break even, assuming a 4% real return (Smith & Smith, Journal of Financial Planning, 2024)81 cents on the dollar — Benefits payable at trust fund depletion. Not zero.2033 — Projected OASI trust fund depletion date (2025 Trustees Report)36% — Americans confident in Social Security's future (AARP, 2025)$800,000 — Households at or below this investable asset level are often better served by claiming at 62, per Tharp (2025)A Brief Timeline1935 — Social Security Act signed by FDR. Over half of elderly Americans lacked sufficient income. Average state pension payout: 65 cents a day.1940 — First check mailed to Ida May Fuller, Vermont. Lifetime SS taxes paid: $24.75. Benefits collected before her death in 1975: $22,000+.1956 — Disability benefits added for the first time.1975 — Automatic COLAs begin. Before this, Congress had to raise benefits manually.1983 — Greenspan Commission reforms. The trust fund was months from insolvency. Bipartisan fix: higher payroll tax, FRA raised to 67, benefits made partially taxable.2025 — 2025 Trustees Report projects OASI depletion in 2033 — one year earlier than 2024's estimate.Timestamps0:00 — Cold open: the question that frames the whole episode1:45 — A brief history: 1935 to Ida May Fuller to the 1983 near-collapse4:45 — How Social Security fits your retirement plan8:45 — The conventional wisdom and why it oversimplifies11:30 — Risk #1: Mortality13:30 — Risk #2: Sequence of returns — $578k vs. $171k16:15 — Risk #3: Regret risk18:15 — Risk #4: Health span and spending optionality20:45 — The framework: your personal discount rate23:45 — The solvency question: 2025 Trustees Report data25:45 — What to do with all of this: four questions worth answeringSources2025 Social Security Trustees Report — Social Security Administration, June 18, 2025Analysis of the 2025 Trustees Report — Committee for a Responsible Federal Budget, June 18, 20252025 Trustees Report Explained — Bipartisan Policy Center, November 2025What the 2025 Trustees Report Shows — Center on Budget and Policy Priorities, July 2025"Revisiting the Social Security Claiming Puzzle" — Derek Tharp, PhD, CFP®, University of Southern Maine (working paper, 2025)"When Should You Claim Social Security?" — Smith & Smith, Journal of Financial Planning, 2024Historical Background and Development of Social Security — SSA.govSocial Security History Timeline — AARP, 2025Work With DavidThe right Social Security claiming decision depends on your health history, your portfolio, your values, and your exit plan. David works with business owners and high earners who want a plan built around their actual life — not a software default.

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

If you've been growing your email list but aren't sure how to turn subscribers into paying clients, this episode walks you through exactly what to do next. We're diving into the power of a welcome sequence: what it is, why it matters, and how it helps you build trust and convert leads without feeling salesy. You'll learn what to include, how to structure it, and how to keep it simple and strategic. By the end, you'll have a clear plan to turn new subscribers into warm, ready-to-buy clients.Show Notes (also known as “Where to read a quick summary of what we talked about here and get links I mentioned.”) are over at Stormlily.com/216  (LINK)✨ FREE Beginner's Guide to Email Marketing for Horse Businesses → Stormlily.com/emailguide   ✨ FREE The Equine Entrepreneur's Roadmap to Grow a Sustainable Business Without Burning Out  → Stormlily.com/map

Tim Stearns, owner and president of TJ Stearns Financial Planning & Benefits, joins Jon Hansen to discuss what happens if the market drops right after you retire. Tim talks about the importance of having a financial plan and breaks down why longevity risk is the biggest retirement risk out there. For more information, call 800-640-2256.

In this episode, Dr. Tony Ebel addresses one of the most common and heartbreaking frustrations parents of children with chronic illness face: doing everything right and still not seeing results. Dr. Tony reframes the problem entirely — it's not that the interventions are wrong, it's that they're being applied in the wrong order and on top of a broken foundation. He walks through the neurophysiological science of why healing follows a predictable sequence, introduces his clinical intake process, and lays out a clear four-step healing playbook: fix the nervous system foundation first, then movement integration, then gut and immune detoxification, and finally the brain. This episode is essential listening for any parent who feels stuck, and for every provider on their child's care team.----Links & Resources:Register for the FREE & VIRTUAL Resilient Family summit: thepxdocs.com/familyEp 51. Unexpected Allies in Pediatrics: Why Chiro & PT Need Each Other [Apple/Spotify]Ep 155. You Can't Work on the Brain Until You Work on the Body: The Missing Link Behind Speech, Behavior, and Development [Apple/Spotify]-----Key Topics & Timestamps03:00 Why the Healing Sequence Is Hidden in Plain Sight 09:00 The CSI Intake: How PX Docs Go Deeper Than Any Other Provider 15:00 The Three Possible Outcomes of Any Intervention 26:00 What Healing Actually Looks Like in Real Life 35:00 The Problem With Chasing the Loudest Symptom First 39:00 Step One of the Healing Sequence: Fix the Foundation 54:00 The Three Rules: Fix the Foundation, Trust the Sequence, Stay the Course 01:01:00 The Four-Step Healing Playbook: Putting It All Together 01:13:00 Closing Message to the Parent Who Is Ready to Give Up-- Follow us on Socials: Instagram: @pxdocsFacebook: Dr. Tony Ebel & The PX Docs NetworkYoutube: The PX DocsFor more information, visit PXDocs.com to read informative articles about the power of Neurologically-Focused Chiropractic Care.Find a PX Doc Office near me: PX DOCS DirectoryTo watch Dr. Tony's 30 min Perfect Storm Webinar: Click Here

Watch the full episode with Richard Rudd here: https://youtu.be/BnvRzcqKH7wSupport this show http://supporter.acast.com/inspiredevolution. Hosted on Acast. See acast.com/privacy for more information.

If you've ever thought, “I'm sending emails… but I know I'm leaving money on the table,” this episode is going to completely change how you think about email marketing.In this conversation, I'm joined by Kieryn Wang, founder of Allmost, to talk about how female entrepreneurs can build intentional email systems that create more connection, more conversions, and more predictable revenue—without relying on hustle marketing or constant social media posting.We go far beyond basic newsletters and dive into the email strategies that actually move the needle, including welcome sequences that turn subscribers into buyers, abandoned cart emails that feel human instead of pushy, and smart segmentation strategies that help you increase sales without emailing more.Kieryn shares how brands can create sustainable email systems that nurture relationships, build trust, and quietly generate revenue in the background while you focus on living your life and growing your business intentionally. Today you'll hear:02:58 – Meet Kieryn Wang and why email marketing is one of the most valuable business assets for entrepreneurs 04:21 – What building a life-first business means to Kieryn right now 05:47 – The biggest misconceptions entrepreneurs have about email marketing 06:36 – Why email marketing is more similar to social media than people realize 08:15 – Why most businesses are underutilizing their email lists 09:42 – How welcome sequences build trust and increase conversions 12:40 – Why abandoned cart emails are one of the highest-leverage automations you can create 14:02 – The mindset shift that makes sales emails feel more human and less pushy 15:33 – How segmentation helps you increase revenue without emailing more 19:05 – Why trust is the foundation of sustainable email marketing 22:16 – The connection between evergreen email systems and sustainable business growth 24:03 – Why entrepreneurs should stop relying entirely on social media for sales 28:58 – The biggest mistakes brands make with email marketing automation 32:11 – Why consistency matters more than perfection in email marketing 35:18 – Final advice for entrepreneurs who want email marketing to feel simpler, smarter, and more sustainable CONNECT WITH KIERYN:Website: https://www.itsallmost.com/Instagram: https://www.instagram.com/itsallmostInbox-to-Revenue Toolkit: http://itsallmost.com/crushtherush (Use code CRUSH for $30 off the first month)The Conversion Club Membership Community: https://www.itsallmost.com/the-conversion-club   

If you’ve ever wondered why your email marketing isn’t converting, or why “join our newsletter” doesn’t inspire anyone to join your newsletter, this episode will change how you think about email completely. Today, I’m joined by Australian copywriter and ghostwriter Katia Spies, who’s built a highly profitable niche by creating a sequence known as Educational Email Courses. These are not your typical lead magnets. They’re structured, strategic, and designed to turn cold subscribers into qualified buyers. Katia shares how she’s evolved from traditional copywriting into a more personalised, results-driven approach that blends strategy, storytelling, and email automation; why ghost-writing is having a moment, and how businesses can replace tired lead magnets with something far more engaging and effective. What we cover: The difference between copywriting and ghost-writing (and why it matters more than ever). Why personal brands are outperforming traditional brand messaging. What an Educational Email Course is and how it works. Why “join our newsletter” is no longer enough. How a 5-day email course builds trust and warms leads before the ‘sell’. Real examples of EECs in action, including high-ticket services. The structure of a high-converting email course (and what to include each day). Ideal email length, format, and delivery timing. Where to promote your email course for maximum sign-ups. Why segmentation is the secret to better email performance. How to clean your email list (and why it actually improves results). The truth about ‘email is dead’ and what’s really happening instead. Katia’s take on SEO and what still works. How AI is changing copywriting and why human editing still wins. Smart ways to use AI as a copywriter without losing your voice. Read the show notes This podcast is brought to you by the Australian Writers' Centre. WritersCentre.com.au Join our community of copywriters at CopyClub.com.au.See omnystudio.com/listener for privacy information.

David McKnight addresses one of the biggest threats to your retirement plan: sequence of returns risk. Are you retired or within 10 years of retirement? Sequence of returns risk may be the single most important concept you need to understand if you want to ensure your money lasts as long as you do. Sequence of returns risk refers to the danger of experiencing a market downturn early in retirement while you're simultaneously taking withdrawals from your portfolio. David explains why this risk is most dangerous during your first 10 years of retirement. Early in retirement, your money still needs to last 20 to 30 years – an early blow to your portfolio can significantly impact its ability to do so. To defend yourself in the most dangerous decade of retirement, you need an account that allows you to avoid touching your stock portfolio until the market has recovered. The reason for that is that, historically, most market downturns take 3-5 years to recover back to their previous peak. David discusses the 4% Rule and the "catch" that comes along with it. Some experts, like Suze Orman, recommend having 3-5 years' worth of expenses accumulated in an emergency fund. David goes over why it may not be a good idea.  David brings Indexed Universal Life insurance (IUL) and the concept of volatility buffer into the conversation. Remember: if you're within 10 years of retirement, now is the time to start thinking seriously about how you'll create a volatility buffer.     Mentioned in this episode: David's new book, available now for pre-order: 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

Looking for a financial planner?  → PlanWithJesse.com In this Ask Me Anything episode, Jesse explores the delicate balance between overcomplicating and oversimplifying financial decisions in retirement, arguing that while many investors get lost in unnecessary complexity, others fall into equally dangerous "too simple" thinking. He tackles four listener questions that highlight this tension across key planning topics. First, he critiques advanced tax-loss harvesting strategies like long-short and direct indexing approaches, explaining that while they can generate short-term "tax alpha," they often rely on leverage, incur higher fees, and merely defer—rather than eliminate—taxes, raising the question of whether investors are letting the tax tail wag the investing dog. Next, he addresses withdrawal rates, pushing back on the overly simplistic idea that earning 8% supports a perpetual 5% withdrawal, and instead emphasizes sequence-of-returns risk and the importance of flexible spending, framing the 4% rule as a conservative starting point rather than a fixed law. He then dives into Social Security strategy, debunking fears of system collapse, outlining the real implications of trust fund depletion, and demonstrating how optimal claiming decisions—especially for couples—depend heavily on longevity, spousal dynamics, and the value of delaying benefits as a form of longevity insurance. Finally, Jesse examines portfolio rebalancing, clarifying that its purpose is risk control—not return enhancement—and, drawing on research, argues that a simple annual rebalancing approach (augmented by ongoing cash flow adjustments) is both efficient and sufficient. Across all four topics, the unifying theme is clear: good financial planning lives in the nuanced middle ground—simple enough to execute, but not so simple that it ignores the real complexities that drive long-term outcomes. Key Takeaways: • Financial planning often fails at both extremes: too complex or too simplistic. The optimal approach lies in a nuanced middle ground tailored to real-world conditions. • Investors should avoid letting tax considerations override sound investment decisions. • A portfolio gaining value consistently is not a problem—even if it limits tax-loss opportunities. • Sequence-of-returns risk makes early retirement years disproportionately important. • For couples, Social Security claiming decisions must consider spousal and survivor benefits. • Rebalancing is about maintaining risk levels, not boosting returns. Annual rebalancing, combined with adjusting contributions and withdrawals, is typically optimal and efficient. Key Timestamps:(02:52) – Tax-Loss Strategy Question (07:51) – Long/Short Explained (11:34) – Direct Indexing Drawbacks (15:35) – Withdrawal Rate Myth (22:30) – Will Social Security Survive? (30:31) – Spousal and Survivor Rules (39:08) – Portfolio Rebalancing Basics (45:24) – Simple Annual Rebalance Plan 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/e121/ https://www.vanguardmexico.com/content/dam/intl/americas/documents/latam/en/2022/10/mx-sa-2558523-rational-rebalancing-an-analytical-approach.pdf More of The Best Interest: Check out the Best Interest Blog at https://bestinterest.blog/ Contact me at jesse@bestinterest.blog Consider working with me at → 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.

Investing and trading are often treated as opposing strategies, but the real advantage comes from knowing how to use both effectively. Long-term investing builds wealth through discipline and compounding, while trading can create short-term opportunities to enhance returns or manage risk. Lance Roberts & Jon Penn break down the key differences between investing and trading, when each approach makes sense, and how to structure a portfolio that incorporates both without letting emotion or overactivity take control. We discuss time horizons, risk management, position sizing, and how to avoid the common mistake of letting short-term trades derail long-term financial goals. Key topics include: 0:00 - INTRO 0:58 - Hormuz Headlines & Market Gyrations 5:16 - Market Volume Spreads & Correction Targets 10:11 - The Story of Cinco de Mayo & Taco Tuesday 13:34 - Trading vs Investing 14:45 - Proposed Ban on Prediction Markets in Texas 16:07 - Zero Days to Expiration: The Ultimate Gamble 18:06 - Psychological Effects of Prediction Markets - the tax on the poor 21:18 - Who's Making the Money? 22:54 - Warren Buffett's Pile of Cash 25:36 - We Want to Believe Fundamentals Matter 28:04 - What Are Your Top-five Stocks? 30:05 - Binary Outcomes - All or Nothing 31:42 - Markets are Expensive 33:31 - When Buy & Hold Fails 36:10 - Protect Capital - The Value of Time 39:02 - Sequence of Returns Risk 40:14 - What to do with Cash Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, 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/LGDW2OXJ6oo ------- Watch today's "Before the Bell" feature, "Cooling-Off Correction Ahead," here: https://youtu.be/LbNhP30VHio ------- Watch our previous show, "Summer Sell-Off Risk Rising," https://youtube.com/live/h2Bku-whRmY ------- * REGISTER for our next Candid Coffee, Saturday, May 16: "Financial Organization Made Simple:" https://streamyard.com/watch/SA6aj2aMdMhf -------- Resources Mentioned in Today's Show: "Hormuz: Why Markets Are Shrugging Off The Oil Shock" https://realinvestmentadvice.com/resources/blog/hormuz-why-markets-are-shrugging-off-the-oil-shock/ "The Dollar's Funeral Keeps Getting Rescheduled" https://realinvestmentadvice.com/resources/blog/the-dollars-funeral-keeps-getting-rescheduled/ ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SP500 #MarketCorrection #InvestingStrategy #RiskManagement #Investing #Trading #PortfolioStrategy #RiskManagement #WealthBuilding

Investing and trading are often treated as opposing strategies, but the real advantage comes from knowing how to use both effectively. Long-term investing builds wealth through discipline and compounding, while trading can create short-term opportunities to enhance returns or manage risk. Lance Roberts & Jon Penn break down the key differences between investing and trading, when each approach makes sense, and how to structure a portfolio that incorporates both without letting emotion or overactivity take control. We discuss time horizons, risk management, position sizing, and how to avoid the common mistake of letting short-term trades derail long-term financial goals. Key topics include: 0:00 - INTRO 0:58 - Hormuz Headlines & Market Gyrations 5:16 - Market Volume Spreads & Correction Targets 10:11 - The Story of Cinco de Mayo & Taco Tuesday 13:34 - Trading vs Investing 14:45 - Proposed Ban on Prediction Markets in Texas 16:07 - Zero Days to Expiration: The Ultimate Gamble 18:06 - Psychological Effects of Prediction Markets - the tax on the poor 21:18 - Who's Making the Money? 22:54 - Warren Buffett's Pile of Cash 25:36 - We Want to Believe Fundamentals Matter 28:04 - What Are Your Top-five Stocks? 30:05 - Binary Outcomes - All or Nothing 31:42 - Markets are Expensive 33:31 - When Buy & Hold Fails 36:10 - Protect Capital - The Value of Time 39:02 - Sequence of Returns Risk 40:14 - What to do with Cash Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, 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/LGDW2OXJ6oo ------- Watch today's "Before the Bell" feature, "Cooling-Off Correction Ahead," here: https://youtu.be/LbNhP30VHio ------- Watch our previous show, "Summer Sell-Off Risk Rising," https://youtube.com/live/h2Bku-whRmY ------- * REGISTER for our next Candid Coffee, Saturday, May 16: "Financial Organization Made Simple:" https://streamyard.com/watch/SA6aj2aMdMhf -------- Resources Mentioned in Today's Show: "Hormuz: Why Markets Are Shrugging Off The Oil Shock" https://realinvestmentadvice.com/resources/blog/hormuz-why-markets-are-shrugging-off-the-oil-shock/ "The Dollar's Funeral Keeps Getting Rescheduled" https://realinvestmentadvice.com/resources/blog/the-dollars-funeral-keeps-getting-rescheduled/ ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SP500 #MarketCorrection #InvestingStrategy #RiskManagement #Investing #Trading #PortfolioStrategy #RiskManagement #WealthBuilding

Most people think about investment risk in terms of averages. If your portfolio earns 7 percent on average over 30 years, you should be fine, right? Not necessarily. Sequence of returns risk is the danger that the timing of your returns, not just the average, can make or break your retirement.

Your Email Pitch Sequence is not where the selling starts. And if you're treating it that way, that might be exactly why your email funnel isn't converting. In this episode, Allison breaks down what your Pitch Sequence is actually supposed to do, how it fits into a high-converting email funnel, and why speaking to only one type of buyer is leaving money on the table.You'll hear the seven buyer types hiding inside your audience, what each one needs to hear before they buy, and the exact order Allison recommends for your pitch emails. Because yes, your people need different things before they feel ready to say yes, and your job is to make the invitation clear, intentional, and impossible to ignore.TAKEAWAYS:Your Nurture Sequence does the heavy lifting of selling your ideas, methodology, and authority before the Pitch Sequence ever begins.A Pitch Sequence should make the invitation to buy official by clearly presenting the offer, the deadline, and the next step.Different buyer types need different emails, which means a one-note Pitch Sequence can miss huge segments of your audience.FAQ emails are not just about answering questions. They are a strategic way to address objections that may be keeping people from buying.Client stories, personal stories, pain points, and possibility-driven emails all play different roles in helping buyers feel seen, understood, and ready to take action.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.Watch the recordings of the Funnel Fix Sessions! Over the course of 3 sessions, Allison will help you to dig into your existing email funnel, understand where why it's not producing sales of your course or membership like it should be, and exactly what to fix to increase sales. Click here to get accesss.Haven't listened to Session 1 yet? Do that first! Click here to listen.Once you've done that, listen to Session 2! Click here to listen.CONNECT 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

Às 01:23 da madrugada de 26 de abril de 1986, em uma sala de controle repleta de luzes piscantes, o operador sênior do terceiro turno da usina nuclear de Chernobyl, Leonid Toptunov aperta o botão AZ-5 comandando o desligamento do reator. Era um procedimento padrão, um simples ato de rotina após um teste de turbina. Mas, naquele instante, a máquina deu sua resposta. O que deveria ser um silêncio veio como um rugido. O medidor de potência, em vez de cair, disparou como um coração em parada cardíaca: 500 MW… 1000 MW… 10.000 MW… Números que não deveriam existir. Um estalo metálico. O chão tremeu como um terremoto localizado. As luzes piscaram, apagaram, depois voltaram, banhando a sala em um clarão fantasmagórico. O maior acidente nuclear da história havia começado. Mas, na verdade, ele já estava escrito. Escrito anos antes, por mãos que ignoraram alertas, por decisões que priorizaram o poder sobre a segurança, por uma arrogância tecnológica que acreditava ter domado o átomo. Neste episódio, nós não vamos contar apenas o que aconteceu. Nós vamos mergulhar no porquê isso estava fadado a acontecer. Como a União Soviética construiu um monstro chamado RBMK – um reator tão grande quanto um prédio, tão potente quanto perigoso. Quem eram os gênios que o conceberam, e quem eram os cientistas que tentaram, em vão, alertar sobre seus defeitos mortais. E como, em poucas horas, a explosão em Chernobyl deixou de ser um simples desastre de engenharia… e se tornou a detonação política que abalaria todo o mundo. Esta é a história não contada dos bastidores da catástrofe. A história do reator que nasceu para ser a epítome da engenharia soviética, e que finalmente se voltou contra seus criadores. Patronato do SciCast: 1. Patreon SciCast 2. Apoia.se/Scicast 3. Nos ajude via Pix também, chave: contato@scicast.com.br ou acesse o QRcode: Sua pequena contribuição ajuda o Portal Deviante a continuar divulgando Ciência! Contatos: contato@scicast.com.br https://twitter.com/scicastpodcast https://www.facebook.com/scicastpodcast https://www.instagram.com/PortalDeviante/ Fale conosco! E não esqueça de deixar o seu comentário na postagem desse episódio! Expediente: Produção Geral: Tarik Fernandes e André Trapani Equipe de Gravação: Gustavo Rebello, Glaucia Souza Silva, Guilherme Dinnebier, Lennon Ruhnke, Roberto Spinelli Citação ABNT: Scicast #686: A História do Reator RBMK de Chernobyl. Locução: Gustavo Rebello, Glaucia Souza Silva, Guilherme Dinnebier, Lennon Ruhnke, Roberto Spinelli. [S.l.] Portal Deviante, 04/05/2026. Podcast. Disponível em: https://www.deviante.com.br/podcasts/scicast-686 Imagem de capa: Referências e Indicações Sugestões de literatura: Roadside Picnic - Arkadi e Boris Strugatsky Sugestões de filmes: Stalker - Tarkovsky Sugestões de vídeos: That Chernobyl Guy T. Folse Nuclear Chernobyl Visually Explained Sugestões de links: https://proatom.ru/ Sequence of Events – Chernobyl Accident Appendix 1 - World Nuclear Association Why INSAG has still got it wrong - Nuclear Engineering International INSAG-7 Sugestões de games: S.T.A.L.K.E.R. - Shadow of Chernobyl S.T.A.L.K.E.R. - Call of Pripyat S.T.A.L.K.E.R. 2 - Heart of Chornobyl Atomic HeartSee omnystudio.com/listener for privacy information.

Às 01:23 da madrugada de 26 de abril de 1986, em uma sala de controle repleta de luzes piscantes, o operador sênior do terceiro turno da usina nuclear de Chernobyl, Leonid Toptunov aperta o botão AZ-5 comandando o desligamento do reator. Era um procedimento padrão, um simples ato de rotina após um teste de turbina. Mas, naquele instante, a máquina deu sua resposta. O que deveria ser um silêncio veio como um rugido. O medidor de potência, em vez de cair, disparou como um coração em parada cardíaca: 500 MW… 1000 MW… 10.000 MW… Números que não deveriam existir. Um estalo metálico. O chão tremeu como um terremoto localizado. As luzes piscaram, apagaram, depois voltaram, banhando a sala em um clarão fantasmagórico. O maior acidente nuclear da história havia começado. Mas, na verdade, ele já estava escrito. Escrito anos antes, por mãos que ignoraram alertas, por decisões que priorizaram o poder sobre a segurança, por uma arrogância tecnológica que acreditava ter domado o átomo. Neste episódio, nós não vamos contar apenas o que aconteceu. Nós vamos mergulhar no porquê isso estava fadado a acontecer. Como a União Soviética construiu um monstro chamado RBMK – um reator tão grande quanto um prédio, tão potente quanto perigoso. Quem eram os gênios que o conceberam, e quem eram os cientistas que tentaram, em vão, alertar sobre seus defeitos mortais. E como, em poucas horas, a explosão em Chernobyl deixou de ser um simples desastre de engenharia… e se tornou a detonação política que abalaria todo o mundo. Esta é a história não contada dos bastidores da catástrofe. A história do reator que nasceu para ser a epítome da engenharia soviética, e que finalmente se voltou contra seus criadores. Patronato do SciCast: 1. Patreon SciCast 2. Apoia.se/Scicast 3. Nos ajude via Pix também, chave: contato@scicast.com.br ou acesse o QRcode: Sua pequena contribuição ajuda o Portal Deviante a continuar divulgando Ciência! Contatos: contato@scicast.com.br https://twitter.com/scicastpodcast https://www.facebook.com/scicastpodcast https://www.instagram.com/PortalDeviante/ Fale conosco! E não esqueça de deixar o seu comentário na postagem desse episódio! Expediente: Produção Geral: Tarik Fernandes e André Trapani Equipe de Gravação: Gustavo Rebello, Glaucia Souza Silva, Guilherme Dinnebier, Lennon Ruhnke, Roberto Spinelli Citação ABNT: Scicast #686: A História do Reator RBMK de Chernobyl. Locução: Gustavo Rebello, Glaucia Souza Silva, Guilherme Dinnebier, Lennon Ruhnke, Roberto Spinelli. [S.l.] Portal Deviante, 04/05/2026. Podcast. Disponível em: https://www.deviante.com.br/podcasts/scicast-686 Imagem de capa: Referências e Indicações Sugestões de literatura: Roadside Picnic – Arkadi e Boris Strugatsky Sugestões de filmes: Stalker – Tarkovsky Sugestões de vídeos: That Chernobyl Guy T. Folse Nuclear Chernobyl Visually Explained Sugestões de links: https://proatom.ru/ Sequence of Events – Chernobyl Accident Appendix 1 – World Nuclear Association Why INSAG has still got it wrong – Nuclear Engineering International INSAG-7 Sugestões de games: S.T.A.L.K.E.R. – Shadow of Chernobyl S.T.A.L.K.E.R. – Call of Pripyat S.T.A.L.K.E.R. 2 – Heart of Chornobyl Atomic Heart

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.

Chemistry can be one of the most rewarding courses to teach, and in this episode I'm sharing why! I walk you through the scope and sequence I use in my yearlong chemistry curriculum, how I break down major topics so students build confidence step by step, and why I prioritize depth over rushing through standards. We'll also cover the big themes that connect chemistry all year long, plus what makes my curriculum especially supportive for teachers through flexible labs, differentiation, and intentional organization.➡️ Show Notes: https://itsnotrocketscienceclassroom.com/episode232Resources:Chemistry FULL YEAR CurriculumChemistry curriculum on TpT (see all the 5 star reviews!!)Chemistry UnitsChemistry Scope and Sequence BlogpostFREEBIE - Get the Chemistry Pacing GuideBe a guest on the podcast! Apply here.Download your FREE Classroom Reset Challenge.Take the Free Labs When Limited virtual PD courseSend me a DM on Instagram: @its.not.rocket.scienceSend me an email: rebecca@itsnotrocketscienceclassroom.com  Follow, rate, and review on Apple Podcasts.Follow, rate, and comment on Spotify.Related Episodes:Episode 127, Teaching AP Chemistry with Zach MatsonEpisode 140, 5 Tips for Teaching ChemistryEpisode 190, Student Mastery, Switching Schools, and Teaching Chemistry with Heather BonannoEpisode 209, Anatomy Scope and Sequence: How and Why I Teach Anatomy the Way That I Do

This podcast shows you how to fully recover from OCD.Each episode breaks down the exact techniques and nuances that stop rumination, reduce compulsions, and help you retrain your brain out of the OCD cycle. We cover every major OCD theme, including:Pure-O OCDRelationship OCDHarm OCDReal Event OCDSO-OCD / Sexuality OCDReligious / Scrupulosity OCDCleaning & Contamination OCDPhysical CompulsionsAll other OCD subtypesMy goal is simple: clear guidance that actually works, explained in a way that is calm, direct, and easy to apply immediately.You can fully recover from OCD. Don't give up — you're not stuck, and your brain can change.

Send us Fan MailShownotes can be found at https://www.profitwithlaw.com/530.Feeling overwhelmed, burnt out, or stretched too thin? If you or your team are at capacity, it's not a sign to stop growing—it's a wake-up call that your law firm's staffing model needs attention.Join Moshe Amsel, law firm coach, CPA and host of the Profit with Law Podcast, in this tactical solo episode as he unpacks when and who to hire for true law firm growth. Discover actionable frameworks to proactively scale your team instead of constantly reacting to stress and overwhelm.Chapters:[00:00] Spot burnout in your firm and turn overwhelm into a growth opportunity[02:57] Use business cycles to plan attorney hiring and avoid bottlenecks[05:04] Unlock higher profit margins with efficient law firm systems[06:07] Decide when to hire an attorney versus improving processes[08:35] Determine which roles are critical for law firm scaling[10:05] Measure attorney and staff capacity to prevent growth plateaus[11:40] Leverage org charts for smarter business growth strategies[14:01] Reverse engineer your practice's growth and hiring roadmap[16:08] Sequence law firm hires for consistent client service success[19:52] Embrace visionary leadership to design your practice's futureResources mentioned:

#873 What if you could land your first 10 clients without spending a single dollar on ads? In Part 1 of this two-part episode, cold email expert Benny Rubin breaks down exactly how to use cold email to start or grow a business from scratch — no big budget required. To make it actionable, Benny and host Brien Gearin walk through building a real business concept live: a local corporate baseball league. From identifying your targets using free tools like Apollo.io, to crafting emails that don't feel cold at all, to segmenting your audience by job title, Benny reveals why hyper-local outreach is one of the most underrated growth strategies out there. He also shares why cold email works best as a first step — a low-pressure way to test your idea before picking up the phone or knocking on doors — and how sometimes the conversations it sparks lead to even better opportunities than you originally pitched! What we discuss with Benny: + Cold email = digital cold calling + Done right, it doesn't feel cold at all + Start with hyper-local targeting + Use Apollo.io to find contacts for free + Segment your audience by job title + Sequence emails — don't just send once + Always mention your price upfront + Local references build instant trust + Cold email opens doors to unexpected opportunities + Use it as a low-stakes first step before calling or visiting Thank you, Benny! Check out Part 2 of this episode. Check out Senders at Senders.co. Check out Apollo at Apollo.io. Connect with Benny at benny@senders.co. Watch the ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠video podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ of this episode! To get access to our FREE Business Training course go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠MillionaireUniversity.com/training⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ To get exclusive offers mentioned in this episode and to support the show, visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠millionaireuniversity.com/sponsors⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices