Podcasts about Sequence

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!

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.

As an early investor, the risk of loss is balanced by your expected time in the market, but for those approaching retirement, loss of principle can be a major risk as you begin to draw income from your investments. Donna discusses how sequence of returns risk can play a major role in your ability to meet your retirement goals. Also, on MoneyTalk, challenges for those aging alone. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 5/4/2026; Original Air Dates: 9/22/2025 & 11/17/2025. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

Are all-time highs making you nervous about your retirement date? Are you asking the question, “Should I delay my retirement because of everything going on in our economy?”  In this episode of The Market Moment, Matt and John dive into the common fear of Sequence of Returns Risk and whether recent market volatility should push back your 2026 retirement plans. While it's human nature to worry that "what goes up must come down," the guys explain why all-time highs shouldn't necessarily be feared and how proper planning can help manage retirement risks across different market environments.   In this episode, we cover: ➡️ Defining Sequence of Returns Risk: Why the timing of market downturns matters much more once you start taking income. ➡️ Don't Fear the Highs: A discussion of historical market behavior following all‑time highs. ➡️ The "Bucket Strategy": How to organize your assets into different "buckets" (cash, growth, etc.) so you aren't forced to sell stocks during a market dip. ➡️ Tax Flexibility: The importance of having various account types (Taxable, Tax-Deferred, and Tax-Free/Roth) to manage your retirement income efficiently. ➡️ Risk Re-evaluation: Why many pre-retirees are unknowingly taking more risk than they realize after a long bull market.   Enjoyed the episode? Don't forget to:

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

Most ARF holders know their fund value. Most know Revenue requires a minimum annual drawdown. Very few have stopped to ask whether meeting that minimum is actually a strategy, or simply the path of least resistance. In this episode, Paddy explores safe withdrawal rates in an Irish context: the research on real retiree behaviour, why the 4% rule is both useful and misunderstood, and why the sequence of returns in the first five years of retirement carries disproportionate weight on long-term outcomes. He walks through a concrete sequence-of-return scenario: same starting fund, same average annual return, same withdrawal rate, completely different outcomes and shares a real-life case study of a retired solicitor whose conservative ARF mandate was quietly eroding her fund at a 7% real rate of depletion annually. Covered in this episode: The US Health and Retirement Study findings on actual retiree withdrawals Bill Bengen's 4% rule and its Irish limitations Sequence of return risk and how a cash buffer changes the equation Three common ARF drawdown mistakes and three concrete takeaways. The imputed distribution sets the floor. It doesn't set the strategy. Read the full blog post at www.informeddecisions.ie/post/safe-withdrawal-strategy-arf-ireland DISCLAIMER: This content is for general educational purposes only and does not constitute personalised financial advice. Always speak to a qualified, independent advisor about your own situation.  

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.

Send us Fan MailPete Matthew runs one of the UK's most trusted personal finance brands, a podcast with over 8 million downloads, a YouTube channel approaching 150,000 subscribers, and an online academy that did £140,000 in a single Black Friday weekend. And he still considers it a side project.I sat down with Pete to talk about how Meaningful Money actually works as a business, the honest gaps he knows exist, and the philosophy that's kept him going for 15 years without burning the trust of his audience.We got into the structure of his three-course academy, how a software reseller deal quietly generates £50–60K a year in near-passive recurring revenue, and why his email list of 18,500 people opens his weekly digest at 60% but almost never gets asked to buy anything. Pete knows he's leaving money on the table. He's remarkably candid about it.And Pete built all of this without a plan to monetise at all. He picked up a video camera in 2009, started answering basic finance questions in the Cornish countryside, and after 150 videos got his first client completely out of nowhere. That foundation of just genuinely trying to help people is, I think, a big part of why his audience defends him when anyone questions his sales emails.Pete is thoughtful, funny, and completely honest about the gaps between where his business is and where it could be. I think you'll enjoy this one.Check out Pete's work:

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 content has been developed for healthcare professionals only. Patients who seek health information should consult with their physician or relevant patient advocacy groups.For the full presentation, downloadable Practice Aids, slides, and complete CME/NCPD/AAPA information, and to apply for credit, please visit us at PeerView.com/NBP865. CME/NCPD/AAPA credit will be available until April 18, 2027.Sorting the Sequence in Multiple Myeloma: Personalized Choices With BCMA and Non-BCMA Immunotherapies in Relapsed/Refractory Disease In support of improving patient care, PVI, PeerView Institute for Medical Education, is jointly accredited by the Accreditation Council for Continuing Medical Education (ACCME), the Accreditation Council for Pharmacy Education (ACPE), and the American Nurses Credentialing Center (ANCC), to provide continuing education for the healthcare team.SupportThis activity is supported by independent educational grants from Arcellx, Inc. and Kite, a Gilead Company; AstraZeneca; Johnson & Johnson; and Legend Biotech.Disclosure information is available at the beginning of the video presentation.

This content has been developed for healthcare professionals only. Patients who seek health information should consult with their physician or relevant patient advocacy groups.For the full presentation, downloadable Practice Aids, slides, and complete CME/NCPD/AAPA information, and to apply for credit, please visit us at PeerView.com/NBP865. CME/NCPD/AAPA credit will be available until April 18, 2027.Sorting the Sequence in Multiple Myeloma: Personalized Choices With BCMA and Non-BCMA Immunotherapies in Relapsed/Refractory Disease In support of improving patient care, PVI, PeerView Institute for Medical Education, is jointly accredited by the Accreditation Council for Continuing Medical Education (ACCME), the Accreditation Council for Pharmacy Education (ACPE), and the American Nurses Credentialing Center (ANCC), to provide continuing education for the healthcare team.SupportThis activity is supported by independent educational grants from Arcellx, Inc. and Kite, a Gilead Company; AstraZeneca; Johnson & Johnson; and Legend Biotech.Disclosure information is available at the beginning of the video presentation.

This content has been developed for healthcare professionals only. Patients who seek health information should consult with their physician or relevant patient advocacy groups.For the full presentation, downloadable Practice Aids, slides, and complete CME/NCPD/AAPA information, and to apply for credit, please visit us at PeerView.com/NBP865. CME/NCPD/AAPA credit will be available until April 18, 2027.Sorting the Sequence in Multiple Myeloma: Personalized Choices With BCMA and Non-BCMA Immunotherapies in Relapsed/Refractory Disease In support of improving patient care, PVI, PeerView Institute for Medical Education, is jointly accredited by the Accreditation Council for Continuing Medical Education (ACCME), the Accreditation Council for Pharmacy Education (ACPE), and the American Nurses Credentialing Center (ANCC), to provide continuing education for the healthcare team.SupportThis activity is supported by independent educational grants from Arcellx, Inc. and Kite, a Gilead Company; AstraZeneca; Johnson & Johnson; and Legend Biotech.Disclosure information is available at the beginning of the video presentation.

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.

Auto-generated transcript: Bismillahirrahmanirrahim. We praise Him, we ask His help, we ask His forgiveness, we believe in Him, we trust in Him, and we seek refuge in Allah from the evil of our souls and from the evil of our deeds. Whom Allah guides, no one is misguided from Him, and whomever He guides, no… Continue reading [Urdu] The sequence of teaching

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

This Week: In what could be a landscape shifting class action lawsuit, parents sue Curriculum Associates, maker of iReady, alleging privacy concerns, lack of parental consent for collection and use of data, and potentially scandalous use of student data profiles for profit. Sounds scary, and to be clear, we should treat ed tech with deep scrutiny. But, but does the case hold water? Plus, in the latest move to institutionalize white, christian nationalist patriarchy, a growing number of states are now telling schools to teach the “Success Sequence.” This approach advocates students graduate from high school, get a full time job, get married, and have children -- in that order -- as the best way to avoid or escape from poverty. Sigh. Here we go again. Manuel and Jeff discuss!MAXIMUM WOKENESS ALERT -- get your All of the Above swag, including your own “Teach the Truth” shirt! In this moment of relentless attacks on teaching truth in the classroom, we got you covered. https://all-of-the-above-store.creator-spring.com Watch, listen and subscribe to make sure you don't miss our latest content!Listen on Apple Podcast and Spotify Website: https://AOTAshow.comFollow us: LinkedIn, Facebook, Twitter

Your CPA Is Looking in the Rearview MirrorTax preparation records what already happened. Tax planning changes what will happen. Here's the difference — and why it might be costing you tens of thousands of dollars a year.Nobody loves taxes. But the people who hate them the most are usually the ones overpaying. This episode is about closing that gap — using the exact same strategies that high-income earners and savvy business owners have always used, most of which your tax preparer has never once brought up.40%of U.S. households pay zero federal income tax40.4%of all federal taxes paid by the top 1% of earners97%of federal income taxes paid by the top 50% of earners300K+projected CPA shortage in the U.S. over the next decade⏱What's covered in this episode0:00Cold open — why everyone hates taxes (and why you're still listening)2:30What your taxes actually pay for — and the government's "flexible" relationship with efficiency5:00The stats: who actually pays federal income tax in America8:00How tax brackets really work — and busting the biggest myth in personal finance11:30Tax preparation vs. tax planning — the core difference14:00Deductions every business owner should be taking (home office, vehicle, travel)19:00Advanced strategies for high earners: state tax credits, historic preservation22:30Roth vs. pre-tax: paying taxes when rates are lowest25:30The RMD time bomb — and how to defuse it before it goes off1How tax brackets actually workBefore any strategy makes sense, you have to understand the system. The U.S. uses a progressive, marginal tax structure — meaning higher rates only apply to dollars above each threshold. This is the most misunderstood fact in personal finance.The myth that costs people real money"I don't want to earn more — it'll push me into a higher bracket." This is wrong. You cannot take home less money by earning more. The higher rate only applies to the next dollar above the threshold, never to everything below it.Standard deduction — your free pass (2025, married filing jointly)You only pay taxes on income above the standard deduction. For 2025, that's $31,500 for married couples filing jointly. A couple earning $131,500 only pays taxes on $100,000 of it.2025 federal tax brackets — married filing jointlyRateTaxable income rangeTax on this portion10%$0 – $23,850$2,385 max12%$23,850 – $96,950$8,772 max22%$96,950 – $206,700$24,134 max24%$206,700 – $394,600$45,096 max32%$394,600 – $501,050$34,064 max35%$501,050 – $751,600$87,693 max37%Above $751,60037¢ on every dollar aboveWorked exampleA married couple with $150,000 in taxable income pays: $2,385 (10%) + $8,772 (12%) + $11,671 (22%) =$22,828 total. That's an effective rate of 15.2% — not 22%. Their marginal rate is 22%, but that's only on the last dollars earned.2Deductions every business owner should be takingHome office deduction✓Must be used regularly andexclusivelyfor business — the IRS is strict on this✓Two methods: Simplified ($5/sq ft, up to $1,500 max) or Actual Expense — actual almost always wins for homeowners✓W-2 employees: not deductible since 2018's Tax Cuts and Jobs Act — this surprises people constantly✓S-corp owners: have the corporation pay you rent for the space — deductible to the business, potentially tax-free to you✓Hidden risk: depreciation recapture when you sell the home — most preparers never warn clients about thisBusiness use of vehicle✓Standard mileage rate: 70 cents/mile in 2025 — the simplest method, requires a contemporaneous log✓Apps like MileIQ make logging effortless — documentation is the difference between keeping and losing the deduction in an audit✓Heavy SUVs over 6,000 lbs GVWR qualify for Section 179 and Bonus Depreciation — potentially a massive first-year write-offBusiness travel — turning a trip into a deduction✓If the trip's primary purpose is business, transportation is fully deductible — even if you add personal days at the end✓Structure: business meetings at the front of the trip, personal time at the back. Sequence matters — plan before you book.✓Spouse/family travel generally not deductible unless they have a genuine, documented business role✓International trips: if personal days exceed 25% of the trip, transportation costs must be allocated proportionally3Advanced strategies for high earnersState tax credits — the strategy most advisors don't know aboutUnlike deductions (which reduce taxable income), credits reduce your actual tax liability dollar-for-dollar. Many states — including South Carolina and Georgia — offer transferable or refundable credits for affordable housing, historic rehabilitation, film production, and economic development zones.High-income taxpayers can purchase these credits from developers at a discount — buying $1.00 of tax credit for $0.85 creates an immediate 15% return before the tax savings even kick in. This is entirely legal and widely used by high earners who have proactive advisors.Historic preservation & conservation easementsThe Federal Historic Tax Credit (HTC) offers a 20% credit on qualified rehabilitation of certified historic structures. Conservation easements — where a landowner donates development rights to a land trust — can generate substantial charitable deductions.Important distinctionSyndicated conservation easements have been scrutinized by the IRS when promoters inflated valuations. The strategy itself is legitimate — what drew enforcement action were manufactured transactions with 4:1 or 5:1 deduction-to-investment ratios. Due diligence on the appraiser and structure is essential.Other strategies worth knowing✓Qualified Opportunity Zones:defer and potentially eliminate capital gains by reinvesting within 180 days of a sale✓Cash Balance / Defined Benefit Plans:contributions can exceed $200,000/year for high-earning self-employed individuals✓Charitable Remainder Trust (CRT):sell a highly appreciated asset without immediate capital gains, receive an income stream, get a partial charitable deduction✓The Augusta Rule (Section 280A):rent your personal home to your own business for up to 14 days/year — tax-free to you, deductible to the business4Pay taxes when the rate is lowest — Roth vs. pre-taxEvery dollar you earn will be taxed — either on the way in, or on the way out. The only question is when, and at what rate. That's the entire game.The core conceptPre-tax accounts (Traditional IRA, 401k): deduct now, pay taxes on every withdrawal in retirement. Roth: pay taxes now at today's rates, then never pay taxes on that money or its growth again. The math is identical if your rate stays the same — the strategy is about predicting the rate differential.The Roth conversion opportunityYou can convert any amount from a Traditional IRA or 401(k) to Roth in any year — you pay ordinary income tax on the converted amount. The strategy is "filling the bracket" — converting just enough to reach the top of your current bracket without crossing into the next one.A married couple with $150,000 in taxable income has roughly $56,000 of room in the 22% bracket (which runs to $206,700). Converting $56,000 at 22% today could mean avoiding 32%, 35%, or higher rates on those same dollars later.The RMD time bombRequired Minimum Distributions kick in at age 73 — the IRS forces you to withdraw a percentage of your traditional IRA balance every year, whether you need the money or not. On a $2 million IRA, that's potentially $80,000–$100,000+ of forced taxable income annually, often pushing retirees into higher brackets than when they were working.Proactive Roth conversions in the years before RMDs begin can dramatically reduce or eliminate this problem. A preparer sees the RMD on a 1099-R and enters it. A planner sees it coming 15 years out and builds a strategy around it.Key takeaways from this episode01Tax preparation is compliance. Tax planning is strategy. By the time you're sitting with your CPA in February, every decision that affects your return has already been made.0240% of households pay zero federal income tax. If you're a business owner or high earner, the tax code was not designed to protect you — proactive planning is the only protection you have.03Brackets are marginal — you never lose money by earning more. Your effective rate and your marginal rate are different things, and confusing them costs people real money every year.04Home office, vehicle, and travel deductions are available to almost every business owner and are routinely missed due to poor documentation or a purely reactive tax relationship.05State tax credits, historic preservation, opportunity zones, and cash balance plans are legal, proven strategies used by high earners everywhere — they're just unknown to those without proactive advisors.06The Roth conversion strategy is not a one-time decision — it's...

You're stuck between two options, going back and forth, trying to figure out the “right” choice. Should you hire or not? Change systems or stay the same? Restructure or keep things as they are? The more you think about it, the more stuck you feel.It's easy to assume the answer is hidden somewhere between those two choices, but often, that's the real problem. You're treating a complex decision as if it only has two possible paths.In this quick lesson, I share five practical strategies to help you break out of binary thinking and expand your options. By the end of this lesson, you'll know how to approach decisions more creatively, uncover better solutions, and move forward with greater confidence, without feeling stuck between “either” and “or.”Conversation Topics(00:00) Why either-or thinking keeps you stuck in tough decisions(00:59) How binary thinking limits better, more creative solutions(01:30) Strategy 1: Generate “options within options” to expand your choices(03:03) Strategy 2: Challenge the assumptions behind your choices(03:58) Strategy 3: Sequence decisions instead of treating them as permanent(04:20) [Extended Episode] Strategy 4: Create hybrid solutions that combine the best of both options(04:44) [Extended Episode] Strategy 5: Reframe decisions from different stakeholder perspectives(05:20) How to recognize when you're stuck in either-or thinking(05:40) Your challenge: Apply one strategy to a current decision(06:00) Why better decisions come from expanding, not narrowing, your options

Dr. Wade Pfau explains four ways to beat sequence of return risk and turn your retirement savings into retirement income. For most of your working life, retirement planning feels relatively straightforward. You save. You invest. You grow your portfolio. But as Dr. Wade Pfau explains, retirement doesn't just flip that process in reverse. It changes the entire equation. Pre-retirement, you're adding money into your portfolio. Market downturns can actually help because you're buying more shares at lower prices. In retirement, the opposite is true. “When you’re taking a distribution from your assets and the markets are down… you have to sell more shares,” Dr. Pfau explains, “and that creates dynamics that can dig a hole for the portfolio.” That shift—from accumulation to distribution—is what makes retirement income planning fundamentally different. The Risks Change in Retirement One of the biggest insights from the conversation is that retirement introduces a new set of risks that don't show up the same way while you're working. Dr. Pfau highlights three major ones: Longevity risk — living longer than your money lasts Market risk — especially when withdrawing from investments Spending shocks — unexpected expenses that show up year after year Retirees often experience about 10% of their spending as unexpected each year. In other words, surprises aren't rare. They're part of the plan. And that means your retirement strategy needs to account for them. Sequence of Returns Risk: The Hidden Danger One of the most important—and least understood—risks in retirement is sequence of returns risk. This is the idea that when market returns happen matters just as much as how much you earn overall. Dr. Pfau explains it this way: If markets perform poorly early in retirement, your portfolio can be permanently damaged—even if returns are strong later. “If markets do poorly early on… you start to dig a hole from your portfolio,” he says. In fact, he estimates that for a 30-year retirement, the first 10 years of returns can determine about 80% of the outcome. That's a completely different way of thinking about risk. It's not just about average returns anymore. It's about timing. Why There's No “One Right Way” With all these risks, many retirees want a simple answer: What's the best strategy? But Dr. Pfau pushes back on that idea. “There's not going to be the case that there's just one optimal approach,” he explains. “You've got to find the approach that's right for you.” That's where his concept of retirement income styles comes in. Some people prefer: Flexibility and market growth Predictable income and stability Time-segmented (bucket) approaches Guardrails and risk boundaries Most retirees, in reality, use a combination of these approaches—whether they realize it or not. If you have Social Security, investments, and a savings account, you're already using multiple strategies at once. The goal isn't to pick one. It's to align your approach with what you're trying to accomplish. The Real Question: What Are You Solving For? One of the most important questions I ask clients is simple: What are you solving for? Are you trying to: Maximize income today? Protect against running out of money? Maintain flexibility? Leave a legacy? Interestingly, retirees often say they want to enjoy their money—but their behavior suggests something different. Dr. Pfau notes that many retirees continue to grow their assets instead of spending them, even when they have the ability to enjoy more of their retirement. That disconnect can lead to a retirement that looks successful on paper—but doesn't feel that way in real life. Why Traditional Investing Falls Short Another key insight comes from the origin of modern investing theory itself. Wade points out that Modern Portfolio Theory was designed for institutions—not retirees. When its creator, Harry Markowitz, later considered how it applies to households, he realized the problem is much more complex. Households don't just grow assets. They have to fund spending—over an unknown time horizon. That's a completely different challenge. Building a Real Retirement Plan So where do you start? Dr. Pfau's framework begins with two critical steps: Understand your retirement income style Understand your risk exposure From there, you can begin building a plan that aligns your income, investments, taxes, and goals. But that brings us to step zero of the 5 step retirement plan: Know your longevity. Because how long your retirement lasts—and how you feel about that uncertainty—affects every decision that follows. The Bottom Line Retirement isn't just about having enough money. It's about turning that money into income—while managing risks that didn't exist before. That's why retirement income planning is more complex than saving for retirement. And it's why the best plans aren't built around a single strategy. They're built around you. Don't forget to leave a rating for the “Retire Today” podcast if you've been enjoying these episodes! Subscribe to Retire Today to get new episodes every Wednesday. Apple Podcasts: https://podcasts.apple.com/us/podcast/retire-today/id1488769337  Spotify Podcasts: https://bit.ly/RetireTodaySpotify About the Author: Jeremy Keil, CFP®, CFA is a retirement financial advisor with Keil Financial Partners, author of Retire Today: Create Your Retirement Income Plan in 5 Simple Steps, and host of the Retirement Today blog and podcast, as well as the Mr. Retirement YouTube channel. Jeremy is a contributor to Kiplinger and is frequently cited in publications like the Wall Street Journal and New York Times. Additional Links: Buy Jeremy's book – Retire Today: Create Your Retirement Master Plan in 5 Simple Steps Dr. Wade Pfau on LinkedIn Dr. Wade Pfau's Website Buy Dr. Wade Pfau's book “Retirement Planning Guidebook” “The Lifetime Sequence of Returns: A Retirement Planning Conundrum” by Dr. Wade Pfau “Safey-First Retirement Planning with Wade Pfau” Retire Today Episode 141 with Dr. Wade Pfau Connect With Jeremy Keil: Keil Financial Partners LinkedIn: Jeremy Keil Facebook: Jeremy Keil LinkedIn: Keil Financial Partners YouTube: Mr. Retirement Book an Intro Call with Jeremy's Team Media Disclosures: Disclosures This media is provided for informational and educational purposes only and does not consider the investment objectives, financial situation, or particular needs of any consumer. Nothing in this program should be construed as investment, legal, or tax advice, nor as a recommendation to buy, sell, or hold any security or to adopt any investment strategy. The views and opinions expressed are those of the host and any guest, current as of the date of recording, and may change without notice as market, political or economic conditions evolve. All investments involve risk, including the possible loss of principal. Past performance is no guarantee of future results. Legal & Tax Disclosure Consumers should consult their own qualified attorney, CPA, or other professional advisor regarding their specific legal and tax situations. Advisor Disclosures Alongside, LLC, doing business as Keil Financial Partners, is an SEC-registered investment adviser. Registration does not imply a certain level of skill or expertise. Advisory services are delivered through the Alongside, LLC platform. Keil Financial Partners is independent, not owned or operated by Alongside, LLC. Additional information about Alongside, LLC – including its services, fees and any material conflicts of interest – can be found at https://adviserinfo.sec.gov/firm/summary/333587 or by requesting Form ADV Part 2A. The content of this media should not be reproduced or redistributed without the firm’s written consent. Any trademarks or service marks mentioned belong to their respective owners and are used for identification purposes only. Additional Important Disclosures

In this episode, Jason explains why corridors and level one should usually be treated differently in a Takt plan instead of being lumped into the same rhythm as the rest of the floor. He shares why these areas take more abuse from traffic, often need a strategic "start-gap-finish" approach, and are better handled as exit zones or final zones so the rest of the work can stay clear, leveled, and flowing. The goal is not just protecting finishes, but also sending the right visual signal to the team that the floor is truly progressing in an organized way. What you'll learn in this episode: Why corridors often need to be treated as separate exit zones in a phase. Why level one is usually better handled differently because of traffic and wear. How a start-gap-finish sequence can protect rhythm while still allowing progress. Why getting corridors to drywall, tape, bed, finish, and prime can create the right mental signal. How strategic comeback work is better than an unplanned, irresponsible return later. Are you planning your corridors and level one to truly support flow or just hoping they survive the traffic?   If you like the Elevate Construction podcast, please subscribe for free and you'll never miss an episode. And if you really like the Elevate Construction podcast, I'd appreciate you telling a friend (Maybe even two

What if the strategy you trust most for retirement income is quietly costing you hundreds of thousands of dollars?   Topics covered in this episode:  The real driver behind outperformance Sequence of returns risk and the "retirement risk zone" Why rebalancing can help (or hurt) your long-term results The surprising case for increasing equity exposure over time Limitations of bonds in modern retirement portfolios How small tweaks can potentially add six figures to your retirement Today's article is from The Retirement Manifesto titled The 60/40 Portfolio vs. The Bucket Strategy. Listen in as Founder and CEO of Howard Bailey Financial, Casey Weade, breaks down the article and provides thoughtful insights and advice on how it applies to your unique financial situation. Show Notes: HowardBailey.com/558

This episode cuts through the marketing fog around “financial advisors,” breaking them into three real categories—brokers, insurance agents, and fiduciary investment advisors—and exposing how incentives, commissions, and murky regulations shape the advice investors receive. Don and Tom highlight the industry's gradual shift away from commissions while warning that titles like “fiduciary” or “CFP” don't guarantee behavior. A listener segment dives into retirement portfolio construction, clarifying misconceptions about bond funds like BND, sequence risk strategies, and the role of safe assets. The episode closes by reframing trendy concepts like “liability matching portfolios” as common-sense planning: keep near-term spending safe and let long-term money grow.0:05 Three types of “financial advisors” and why the title means nothing0:51 Brokers vs RIAs vs insurance agents—what they actually do2:10 Fiduciary confusion and “part-time fiduciaries”3:10 How brokers really operate (transactions, firm-first incentives)6:00 Insurance agents, annuities, and massive hidden commissions7:47 Regulation gaps and misleading “no commission” language8:15 Investment advisors (RIAs) and the fiduciary standard (with caveats)9:42 CFP designation—rigorous, but not a guarantee of behavior10:36 Portfolio reality: “a collection of ideas” vs an actual plan11:50 Industry trend: slow death of commissions and rise of fee-only15:13 Listener: retirement portfolio, glide path, and bond confusion18:15 BND vs Treasuries—risk, diversification, and reality19:59 Sequence risk strategy—lower equities early, increase later21:31 2022 bond drop explained (rates, not failure)23:11 Managing volatility fear—cash buffers vs bond funds24:01 Practical solution: mix of bonds, CDs, and cash28:07 Liability Matching Portfolio (LMP) vs “bucket strategy”31:01 Core takeaway: match short-term needs with safe assets, let rest growQuestions? Comments? Click!

Marc describes the dangers of carbon monoxide poisoning. Jim thinks that complex heating and cooling systems require coordination between trades. Corey asks about the right order to paint new walls and trim. Mike and Andrew ask for more discussion of asphalt felt water resistive barriers. Randy and Ian help Patrick address listener feedback and answer their questions.      Tune in to Episode 731 of the Fine Homebuilding Podcast to learn more about:  ·       The real risks of malfunctioning combustion appliances  ·       The most-efficient way for pros and DIYers to paint interior spaces ·       eyword in this sentence)     Have a question or topic you want us to talk about on the show? Email us at fhbpodcast@taunton.com.     ➡️➡️ Check Out the Full Show Notes: FHB Podcast 731 ➡️ Learn about the 2025 Fine Homebuilding Archive ➡️ Follow Fine Homebuilding on Social Media:   Instagram • Facebook • TikTok • Pinterest • YouTube  ⭐⭐⭐⭐⭐  If you enjoy the show, please subscribe and rate us on iTunes, Spotify, YouTube Music, or wherever you prefer to listen.