Podcasts about Sequence

Retirement Expert Walter Young, Explains How Modern Retirement Is Dead as We Know It and How Using this Unexpected Asset with Actuarial Science Can Fix It.Watch the Video on Youtube for Visuals - https://youtu.be/5iyIPs4VI0wConnect with Walter Young: Walter@thefifthoption.comWant a Whole Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarityWant Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-reviewWant More Free Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vaultLearn More About BetterWealth: https://betterwealth.comTimestamps:0:00 Introduction: The Fear of Running Out of Money 1:05 Walter Young, Author of The Fifth Option 2:36 Getting to Retirement vs. Getting Through Retirement 4:48 Accumulation vs. Distribution 5:39 Retirement Income Planning Is Hard 6:17 Cash Flow Focus and Financial Freedom 7:22 A History of Retirement 8:15 Three-Legged Stool of Retirement 9:22 Longevity Magnifies Risk 11:20 Scarcity Mindset 12:33 Personal Finance vs. Corporate Finance 14:11 Desert Island Dilemma 17:22 Sequence of Return Risk and Averages 20:35 The 4% Rule 23:15 Four Frustrating Options 24:43 The Fifth Option Strategies 25:29 Beat the Bear Approach 27:16 Bucketing Strategy 28:59 Pension 2.0 32:44 Disclaimers Before Diving into the Math 35:31 Income Efficiency Test 36:58 What Is Actuarial Science? 39:38 Scenario 1: A 25-Year-Old with Traditional Planning 43:36 The Fifth Option Applied: Beat the Bear Approach 46:30 Net Worth vs. Cash Flow 49:12 The Fifth Option Applied: Pension 2.0 53:30 Pension Max Conversation 57:35 Traditional Balance vs Portfolio Balance 1:00:39 Age 35 with Traditional Planning 1:06:03 4 years in Cash Value 1:10:10 Comparison 1:11:43 Age 45 Planning 1:18:32 How much money do I need to get that $133,000 at 8%? 1:24:00 Tax-Free Cash Flow 1:24:50 Age 55 Planning 1:31:17 Where does actuarial science not help somebody? 1:33:20 Final ThoughtsDISCLAIMER: https://bttr.ly/aapolicy*This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

Sequence POD 149 El bien es perseguido SPOTIFY

In this expansive and deliberately contrarian episode, Jesse takes on annuities—not with a sales pitch or a blanket dismissal, but by putting them under a rigorous planning lens rooted in risk, probability, and real retirement outcomes. He begins by laying out what annuities actually are, clearly separating fixed annuities from their variable cousins, and explaining why high fees, capped upside, illiquidity, and poor expected returns make most annuity products deeply unattractive. From there, Jesse zeroes in on the one annuity type he considers intellectually defensible in narrow circumstances: the single premium immediate annuity (SPIA), framing it not as an investment but as insurance against longevity and sequence-of-returns risk. The heart of the episode introduces the concept of ergodicity and uses vivid examples to show how retirement planning is fundamentally non-ergodic, dominated by tail risks, bad timing, and one irreversible life path. Through this lens, annuities are reframed as a tradeoff: a high probability of modest financial loss in exchange for protection against a low-probability but catastrophic retirement failure. Jesse closes by emphasizing that annuities, when used correctly, dull both the upside and the downside—reducing the chance of ruin at the cost of lower lifetime wealth—and that whether that trade is worth making depends not on averages or rules of thumb, but on an individual's specific risks, values, and tolerance for uncertainty. Key Takeaways: • Most annuities are expensive, illiquid, and poorly designed. Annuities are insurance products, not investments. • SPIAs are the simplest and most transparent annuity structure. SPIAs insure against longevity and sequence-of-returns risk. • Retirement planning is a non-ergodic problem. Average outcomes do not reflect individual retiree experiences. • Monte Carlo averages can hide catastrophic failures. • Annuities pool longevity risk across many people. Most annuity buyers will "lose" financially on average. • The annuity decision is a personal risk-management choice, not a math trick. Key Timestamps: (01:39) – Diving into Annuities (07:39) – Understanding Variable and Fixed Annuities (15:38) – Risks and Protections of Annuities (19:58) – Single Premium Immediate Annuities (SPIAs) (26:24) – Understanding Ergodic Systems (30:36) – The 4% Rule and Sequence of Returns (34:44) – Tail Risks and Longevity in Retirement (46:52) – The Role of Annuities in Retirement Planning 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://www.fortunesandfrictions.com/post/one-in-a-quadrillion https://bestinterest.blog/e127/  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 https://bestinterest.blog/work/ 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.

In this episode of Future Finance, hosts Paul Barnhurst and Glenn Hopper sit down with Riya Grover to explore how AI is transforming order-to-cash workflows. The conversation explores billing automation, revenue operations, and the evolving role of finance teams. Riya shares her entrepreneurial journey and how Sequence is building the first agentic AR platform. This episode is packed with practical insights for modern finance leaders navigating AI adoption.Riya Grover is the Co-founder and CEO at Sequence. Sequence, backed by a16z with $40M raised, is building the first agentic platform for accounts receivable. The company helps B2B businesses automate quoting, billing, invoicing, and revenue recognition, especially for complex pricing and custom contracts. Prior to Sequence, Riya founded Feedr, a venture-backed company that exited to Compass Group in 2020. She holds an MBA from Harvard Business School and a BA in Economics and Management from Oxford University.In this episode, you will discover:Why building a two-sided marketplace is incredibly difficultHow modern B2B pricing models break traditional billing systemsThe difference between deterministic systems and generative AI in financeWhy human-in-the-loop design is critical for financial AI agentsWhat the future finance tech stack will look like in the next five yearsRiya explains how complex contracts, usage-based pricing, and custom deal structures create massive billing challenges for growing companies. Sequence solves this by combining deterministic billing foundations with AI-powered workflow agents. The discussion highlights where AI should and should not be used in finance operations. Trust, auditability, and human oversight remain central to successful AI implementation.Follow Riya:LinkedIn: https://www.linkedin.com/in/riya-grover-a22a4822/Website: https://www.sequencehq.com/Sequence Series A Fundraising: AnnouncementFollow Glenn:LinkedIn: https://www.linkedin.com/in/gbhopperiiiFollow Paul:LinkedIn - https://www.linkedin.com/in/thefpandaguyFollow QFlow.AI:Website - https://bit.ly/4i1EkjgFuture Finance is sponsored by QFlow.ai, the strategic finance platform solving the toughest part of planning and analysis: B2B revenue. Align sales, marketing, and finance, speed up decision-making, and lock in accountability with QFlow.ai. Stay tuned for a deeper understanding of how AI is shaping the future of finance and what it means for businesses...

Riya Grover, CEO and co founder of Sequence, breaks down what “good CEO” actually looks like when the job is messy, fast, and high stakes. This is a practical conversation about building excellence through people, clarity, and direction, not through heroics or micromanagement. Riya runs a revenue automation platform for finance teams, helping companies automate order to cash, billing, invoicing, accounts receivable, and revenue recognition. From that seat, she shares a founder level view on leadership that is direct, repeatable, and built for real operating constraints.Key takeaways• The CEO's highest leverage job is building the bench, your company becomes the team you assemble• High performance culture comes from a clear bar, fast decisions when it is not met, and leaders who own outcomes• Great teams do not need more policies, they need context, goals, trade offs, and clarity• Separate reversible decisions from irreversible ones, move fast on two way doors, slow down on one way doors• Hiring signal to watch, motivation and hunger for the stretch challenge often beats the “done it before” resumeTimestamped highlights00:32 What Sequence does, why order to cash is still painfully manual01:48 The CEO role is less about functions, more about direction and execution03:23 Excellence starts with talent density, do not compromise on the bar06:10 Why companies win, direction plus distribution, and the Figma example11:01 Getting real feedback as a leader, how to reduce hierarchy and increase ownership14:39 “They need clarity,” decision frameworks over micromanagement18:01 The hidden damage of the founder weighing in on every micro decision20:53 Hiring underrated talent, motivation, ambiguity tolerance, and the stretch role24:38 Why the CEO should invest time in hiring, the leverage math is obviousA line worth keepingThey do not need policies, they need clarity. Pro tips you can steal• Promote leaders who have done the job and set the pace, it earns trust and improves decision quality• Give teams context and constraints, then treat your input like any other input• Use the door test, reversible decisions get speed and delegation, irreversible ones get more diligence• In hiring, look for motivation plus clear thinking, then bet on aptitude over the perfect backgroundCall to actionIf this one helped you think more clearly about leadership and hiring, follow the show and share the episode with one operator who is building under pressure. New conversations drop with different guests and different problems, so you always have something useful to steal.

Federal Employees With $1M TSP Should Watch This — deeper insights on TSP retirement strategy, risk management, and portfolio allocation for federal benefits planning.

Send a text"Should I see a chiropractor or go to physical therapy for my back pain?" It's a question we hear daily at our Rockford clinic. The truth is, both are powerful tools—but if you use them in the wrong order, you might be training your body to function around a problem rather than fixing it.In this episode, Dr. Brant Hulsebus breaks down the "Foundation First" philosophy. Using the analogy of a house, he explains why you can't remodel the kitchen if the foundation is cracked. We discuss the mechanical relationship between spinal joints and muscle guarding, and why your PT exercises "stick" much better once the spine is moving properly.

Send a text"Should I see a chiropractor or go to physical therapy for my back pain?" It's a question we hear daily at our Rockford clinic. The truth is, both are powerful tools—but if you use them in the wrong order, you might be training your body to function around a problem rather than fixing it.In this episode, Dr. Brant Hulsebus breaks down the "Foundation First" philosophy. Using the analogy of a house, he explains why you can't remodel the kitchen if the foundation is cracked. We discuss the mechanical relationship between spinal joints and muscle guarding, and why your PT exercises "stick" much better once the spine is moving properly.

In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz share their perspectives as to why people feel behind financially -- even when they're not. ---⚙️ We're thrilled to introduce the ⁠Rich Habits Money Map!⁠ If you're someone ready to automate your saving and investing, the Rich Habits way, this workflow by Sequence is for you. ⁠Click here to sign up for Sequence⁠ and gain access to our Rich Habits Money Map! ---

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

Gregory Zuckerman recounts the dramatic mapping and sharing of the COVID-19 genetic sequence, which launched global efforts to develop messenger RNA and adenovirus-based vaccines against the pandemic. 1

In this episode of The Jon Sanchez Show, Jon discusses the critical aspects of retirement planning, focusing on the retirement income gap and the importance of having a solid income plan. He emphasizes that most retirement plans fail due to a lack of income strategy, particularly in the first five years of retirement. Jon explains the sequence of returns risk and how it can impact retirees' portfolios, urging listeners to stress test their retirement plans and consider layering income sources for financial stability. He concludes by encouraging proactive financial planning to ensure a secure retirement.Chapters00:00 Understanding the Retirement Income Gap09:44 The Importance of the First Five Years15:26 The Sequence of Returns Risk23:33 Defining the Retirement Income Gap26:41 Paycheck Replacement and Volatility30:58 Layering Income Sources and Stress Testing33:18 Disclaimer Resources & LinksSanchez Gaunt Wealth ManagementConnect with Jon SanchezLinkedInFacebookInstagramYouTubeBlog

As fiduciaries, when we review a $1 million TSP portfolio, our first priority isn't performance — it's protecting retirement income from sequence of returns risk, inflation, and unnecessary tax exposure.”

#SafeMoney #JonHeischmanSr #SequenceRiskNot sure what "sequence risk" means to your retirement plan? Join host Jon Heischman, Senior in this episode as he gives an updated explanation.Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.

Mentorship beats tools. Full stop.I've been on the road with Maintain Reliability across food factories, metal plants and logistics sites, and the pattern is the same everywhere. Companies invest in systems before they invest in judgement. They gather more data before they build the confidence to act on what they already know. Then they wonder why the breakdowns keep coming.The issue is rarely a lack of information. It's a lack of guided decision making.Training gives knowledge. Mentoring builds judgement. There's a big difference. In a classroom everything makes sense. On a live plant with production breathing down your neck and budgets under pressure, it's a different game. That's where experience matters. Someone standing next to the engineer saying, focus here, not there. Fix this first. Leave that for now. Sequence it properly.Order is everything in reliability.Before we talk about monitoring strategies, we ask simple questions. Is planning and scheduling tight. Are critical assets clearly defined. Is lubrication consistent. Are work orders closed properly. Do people understand their roles. If those foundations are weak, adding more layers just increases confusion and backlog.When the basics are strong, performance compounds.A proper reliability audit is usually the turning point. Not a tick box exercise. A real look at how the plant operates. It exposes gaps in communication, spares, lubrication standards, ownership and accountability. More importantly, it gives leadership clarity. It turns reliability from a cost into a structured improvement plan.Technology has its place. We use condition monitoring every day. But the team must own the data. They must understand what a trend means, what the risk is, and what action follows. Without that, nothing changes.I've seen engineers with almost no budget transform a site because they closed the loop fast and acted decisively. I've also seen sites with serious investment still stuck reactive because culture didn't support action.Reliability works when people take ownership. When KPIs drive behaviour. When leaders back decisions. And when mentors hold the rope when pressure hits.If you want results that last, start with an honest audit. Build a roadmap you can defend. Strengthen the people. Then layer in the systems.That's how we do it at Maintain Reliability.Support the show

"การฝึกสมาธิมีประโยชน์มาก ในทางธรรมมันมีประโยชน์อยู่แล้วล่ะ ในทางโลก พวกเราส่วนใหญ่อยู่ในทางโลก ก็ต้องรู้จักเอาสมาธิมาใช้ ฉะนั้นเวลาชีวิตมีปัญหาอย่าไปวิ่งชนมัน ปัญหามีเอาไว้แก้ ไม่ใช่วิ่งชน เอาไว้แก้ไข ทำใจให้สงบ ปัญญามันเกิด มันรู้ว่าอันไหนควรจะแก้แล้วมันจัด Sequence ให้เลย เรื่องนี้แก้ก่อน เรื่องนี้ต่อไปๆ รู้อันไหนเป็นปัญหาหลัก อันไหนเป็นปัญหารอง อันไหนเป็นปัญหาเฉพาะหน้า ไม่เหมือนกันแต่ละอัน สติปัญญามันเกิด มันก็แก้ถูกจุด แป๊บเดียว เวลาใจมันฟุ้งคิดเท่าไรๆ คิดไม่ออก คิดไม่ออก อย่าไปคิดมัน คิดไม่ออกก็ทำความสงบให้จิตได้พัก พอจิตได้พักจิตก็มีกำลัง นี่ประโยชน์ของสมาธิในทางโลก" หลวงปู่ปราโมทย์ ปาโมชฺโช วัดสวนสันติธรรม 1 กุมภาพันธ์ 2569

Have you considered how the timing of withdrawals in retirement might affect your financial plan? On this month's episode of Six Minutes of Wisdom, Ross and Cynthia explore the potential effects of sequence risk and how we can manage it.

How do short-term market swings impact long-term retirement plans—and should you actually do anything when volatility spikes? In this episode of The Market Moment, Matt and Eli break down what recent market volatility really means for investors, especially those in or nearing retirement. While the headlines may focus on pullbacks in big tech and daily market swings, the bigger question is whether short-term events should change a well-built financial plan. The conversation explores why volatility is historically normal, how bull markets regularly include 5–20% pullbacks, and why reacting emotionally can derail long-term outcomes. Using real data—from S&P 500 down days to the impact of missing just a handful of the market's best days—Matt and Eli explain why discipline and preparation matter far more than prediction. They also dive into current market rotation, with money shifting away from large-cap tech and into sectors like energy, consumer staples, and international markets. For diversified investors, this shift may actually be a healthy and overdue development. Most importantly, the episode focuses on retirement planning: how to structure income, why holding accessible cash can provide decision-making confidence, and how setting realistic return expectations (not 12% per year) helps build a plan that can withstand five to ten years of uncertainty. Key topics include: ➡️ How short-term volatility impacts long-term retirement plans ➡️ Why intra-year drawdowns are completely normal—even in positive years ➡️ The surprising number of 1% down days in a typical year ➡️ Why missing the market's best days can dramatically hurt returns ➡️ V-shaped recoveries and emotional decision-making ➡️ Sequence of returns risk in retirement ➡️ The importance of diversification during market rotation ➡️ Growth vs. “boring” sectors outperforming in 2025 ➡️ Setting realistic return expectations for moderate portfolios ➡️ Why having a plan before volatility hits changes everything.   The episode wraps with a reminder that good markets are the best time to prepare for difficult ones. Locking in gains, managing risk, and building an income strategy before volatility shows up can make all the difference when it does.   Enjoyed the episode? Don't forget to:

A quick lesson in conceptualization from Aiden at Don't Move Until You See It. To learn more about Don't Move Until You See It and get the free 5-day Conceptualizing Chess Series, head over to https://dontmoveuntilyousee.it/conceptualization

Most marketing "leaders" teach you how to create a freebie to grow your email list...then never tell you what to actually do once you get subscribers. Yeah, fk that nonsense. In my world - we create dream lead magnets with an intentional email sequence funnel to turn new subscribers into paying clients within the first week of joining your email list. In this episode of Main Character Marketing, we're talking through 5 examples of different lead magnets pushing to different offers in incredibly different industries with (obvi) different ideal clients. These examples include online storefronts, coaches, done-for-you service providers, coffee shops, and course creators. Listen to this episode of Main Character Marketing to learn exactly how to create a lead magnet sequence that converts email subscribers through proper email marketing. ------------ Get my Social-Free Email Templates here and write your lead magnet sequence in one day! ------------ Book your Subscribed To $OLD sequence, and I will write your fast-action lead magnet sequence to turn new subscribers into paying clients. ------------ This is the relevant IG post to see some of these examples on paper. ------------ ✉️Join CTRL+ALT+CONVERT here and get my industry insight on what is and is NOT working within your messaging & marketing to position YOU as the only one your clients pay. ------------ Apply for Inbox It Girl

Rabbi Feiner shiurim

What can a gorilla teach you about retirement planning?In this episode of Money Not Math, Drew uses the famous Monkey Business Illusion to reveal a surprising truth:

This is AI x Multilateralism, a playlist of conversations at the Commons, our space at the UN Library & Archives Geneva for sharing knowledge on multilateralism. In this series, we're joined by experts who help us unpack the many ideas and issues at the nexus of AI and international cooperation.   In this episode we ask: can AI help us better predict, respond to, and recover from crises? We're joined by Dr. Martin Waehlisch, Associate Professor of Transformative Technologies, Innovation and Global Affairs at the University of Birmingham. He's also part of the Research Team of the Crisis Computing Project, a global community of scholars and practitioners who are driven to put computation to better use.     He shares: what drives his teaching today on transformative technologies, and why he prefers the term “computational global affairs” to “international affairs” in today's world what exactly crisis computing means, and the kinds of crises he hopes that AI can help us to address, from complex climate prediction to public participation in decision-making the potential of crisis computing at the local, regional and multilateral level, and his thoughts on how crisis computing can be addressed as part of the UN's Global Dialogue on AI and the Independent International Scientific Panel on AI, both established by the UN General Assembly in 2025, and what is still missing in the global debate when it comes to how we use AI individually and collectively.  Resources mentioned:  The Crisis Computing Project: https://crisiscomputing.org/   The Peace and Security Data Hub : https://psdata.un.org/   The Complex Risk Analytics Fund (CRAF'd): https://crafd.io/ and the Humanitarian Data Exchange: https://data.humdata.org/   Production:    Guest: Dr. Martin Waehlisch  Host, production and editing: Natalie Alexander Julien  Podcast Music credits: Sequence: https://uppbeat.io/track/img/sequence Music from Uppbeat (free for Creators!): https://uppbeat.io/t/img/sequence License code: 6ZFT9GJWASPTQZL0 Recorded & produced at the Commons, United Nations Library & Archives Geneva  #AI #Multilateralism #CrisisComputing #CrisisResponse 

Original score for the YouTube limited series "The Mind and the Machine" a production of Thomas Aquinas College, original score composed by Richard Goforth, produced by Douglas Cummins and executive producers Chris Weinkopf and John Goyette. Watch the series at ThomasAquinas.edu/Mind

Alan Porter is a former U.S. Army Black Hawk instructor pilot turned nationally recognized financial educator, bestselling author, and certified financial fiduciary. After a long military career and success in real estate and mortgage lending, a series of family health crises reshaped his understanding of financial planning, life insurance, and long-term care. Today, Alan specializes in advanced tax-free retirement planning, wealth preservation, business exit strategies, and legacy planning for high-net-worth individuals and entrepreneurs.     Make sure to download our free guide, 7 Questions Every Passive Investor Should Ask, here.     Key Takeaways Understand why health events, not market cycles, are the biggest threat to retirement security Learn how sequence of returns risk can quietly devastate traditional retirement plans Discover how life insurance can function as a tax-free retirement and liquidity tool See why effective interest cost matters more than stated interest rates Learn how proactive tax and retirement planning can protect wealth across generations     Topics Why Financial Planning Became Personal for Alan Family health crises exposed major gaps in traditional planning Terminal illness rider benefits provided critical, tax-free liquidity Firsthand experience reshaped Alan's career focus Health Care Costs and Long-Term Care Risk Long-term care costs range from $50,000–$200,000 per year and continue rising Medicare does not cover long-term care; Medicaid requires asset spend-down Health events can erase decades of savings without proper planning Sequence of Returns Risk Explained Early retirement losses can permanently derail portfolios Market downturns combined with withdrawals accelerate depletion Traditional advisors often overlook this risk Effective Interest Cost and Hidden Debt Mortgages and credit cards carry much higher real costs than advertised rates Effective interest cost reveals how much money truly goes to lenders Eliminating high-interest debt can outperform traditional investments Becoming Your Own Bank Cash-value life insurance allows borrowing while assets continue compounding Loan repayment is flexible and under the policyholder's control Policies can fund education, vehicles, emergencies, and retirement Limitations of 401(k)s and Qualified Plans Fees, taxes, and required minimum distributions reduce net retirement income Taxes are deferred, not eliminated Most investors underestimate future tax exposure Tax-Free Retirement and Legacy Planning Properly structured insurance strategies can deliver tax-free income Policies avoid Social Security taxation and Medicare means testing Assets can transfer across generations more efficiently     Round of Insights Failure that set Alan up for success: Not planning ahead. Failing to prepare for life events led to higher costs and financial strain later. Digital or mobile resource recommended: Alan's YouTube channel and educational resources at StrategicWealthStrategies.com. Book recommended most in the last year: Tax-Free Retirement Solution. Daily habit that keeps him focused: Early mornings, daily workouts, and structured planning to start each day with intention. #1 insight for creating long-term wealth: Learn how insurance products work and what they can truly do.     Next Steps Visit Alan's website and check out his retirement tax calculator Review your current retirement and tax strategy Learn how sequence of returns risk affects your plan Evaluate long-term care exposure and insurance options Explore tax-free income strategies before retirement Get a second opinion on your financial plan     Thank you for joining us for another great episode! If you're enjoying the show, please LEAVE A RATING OR REVIEW, and be sure to hit that subscribe button so you don't miss an episode.  

Welcome to Secrets of Organ Playing Podcast No. 765! This question was sent by Alejandro Consolacion II, our YouTube organist/composer colleague and he writes:Aušra and Vidas,I just want to drop by and say thank you for your wonderful weekly podcast addressing various issues in organ playing. It has been incredibly helpful, and I truly enjoy your discussions and reflections on the weekly questions. Aušra's insights are often very realistic, while Vidas brings a more positive and encouraging perspective—together, this creates a well-balanced and constructive partnership that makes the conversations especially meaningful and practical.I heard you inviting questions, and if I may, I would like to share a few that I believe could also be helpful to other listeners.1st Question: For beginner organists:Many teachers assign the short preludes and fugues formerly attributed to J. S. Bach (BWV 553–560). While this collection is an excellent primer, I find it challenging for beginners to start with the C major pieces, as they involve denser textures and greater technical demands. Could you suggest a recommended sequence—from the easiest to the most challenging—for students working through this set? Bach Organ Mastery Level 1: https://secrets-of-organ-playing.myshopify.com/products/bach-organ-mastery-level-1Here you will find all my scores: https://www.sheetmusicplus.com/en/category/arrangeme/?q=Secrets+of+Organ+Playing&aff_id=454957Secrets of Organ Playing Mug: https://www.zazzle.co.uk/z/ywbhd071?rf=238366920809443329You can support this channel by becoming a member here: https://www.youtube.com/channel/UCO4K3_6QVJI_HlI5PCFQqtg/joinIf you like what I do, you can buy me some coffee: https://www.buymeacoffee.com/organduoPayPal: https://PayPal.Me/VPinkeviciusWe support Ukraine: https://www.blue-yellow.lt/enMy Hauptwerk setup: https://www.organduo.lt/tools.htmlTotal Organist - the most comprehensive organ training program online: https://www.organduo.lt/total-organistSecrets of Organ Playing - When You Practice, Miracles Happen! https://organduo.ltListen to my organ playing on Spotify: https://open.spotify.com/artist/0ckKPIvTWucoN3CZwGodCO?si=YWy7_0HqRvaZwBcovL-RKg#secretsoforganplaying #vidaspinkevicius #ausramotuzaite

The mind cannot figure it out, it's searching for the words and information to make sense of it, it's saying alot of things but what actually is happening, what is the energy behind this month & all that has been walked in the last 5-6 years.The energy is life changing this month as the energy report says this is a month that books are written about, Coco explains what that means and how can you apply it to your month to see what is exactly going on with you as you move into being the one running your dream vs letting the dream run you.Everything is changing & has already changed through a sequence that you have already walked & been a part of. Now you get to use that wisdom to identify the feelings that are trying to guide you in the creation of what's real and truth for YOU.

You know you're supposed to nurture your leads, but are you doing it in a way that actually builds trust fast? In this Email Empire episode, Allison shares a high-converting (but often overlooked) strategy for making your Email Nurture Sequence feel more personal, more effective, and more like content your people actually want to consume...video!She breaks down the why and the how, so you can start using short, strategic videos to make real connections (without needing perfect lighting or a fancy camera). TAKEAWAYS:Video accelerates trust by letting leads experience your voice, energy, and personality, something copy alone can't always doEmbedding short (under 2-minute) videos in your nurture sequence helps you feel familiar before your pitch ever happensVideo fits right into your audience's habits, they're already used to consuming video content dailyVideo clicks train your leads to engage with your emails, so when you do pitch, clicking feels natural (+ expected)Pro tools like Descript can streamline the video process, especially its AI Eye Contact feature and captioning toolLINKS YOU MIGHT FIND HELPFUL: Check out the blog post that accompanies this podcast episode for more details and resources.Want to learn more about Email Nurture Sequences? Listen to episode #467.Ready to stop duct-taping your email funnel together? Snag one of the 12 VIP Week spots available in 2026 by clicking here.Know you need email marketing support, but not sure what offer works best for you? Fill out this form, and Allison will be back in your inbox with a few options that fit you, your business, and your budget best.Try out Descript, my favorite tool for face to camera video! Use this link and get 50% off for the first two months.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

The “Clean Slate” That Changes Your Decisions Every January, Bruce and I have this running joke: as a society, we collectively decide that January 1 magically flips a switch—life will be calmer, more organized, more intentional. Bruce thinks it's strange. (He's not wrong.)I love it. I love a clean slate. A fresh start. A targeted window that says, “This is the beginning.” https://www.youtube.com/live/_cgm7sJ6SDc And here's why that matters for your money: when you feel like you have a beginning, you're more willing to think differently. You stop drifting on autopilot and start asking better questions—especially the one Bruce kept coming back to in our conversation: Why do you do what you do financially? That one question is the doorway to confidence. Not “confidence that you'll always be right,” but confidence that you're making the best decision with the information you have—while staying flexible enough to adjust when new information shows up. That's the heart of this post: the financial strategy for families in 2026 isn't a single product or prediction. It's a way of thinking—a framework—that helps you build control, cash flow, and peace of mind in uncertain markets. The “Clean Slate” That Changes Your DecisionsWhat You'll Gain from This Financial Strategy for Families in 2026Financial strategy for families starts with one skill: thinking about your thinkingWhat fundamentally changed—and why “uncertain markets” feel louder than ever1) Information moves instantly—and it affects how you use your money2) The 24-hour news cycle magnifies fear—and shrinks your time horizon3) AI disruption adds both opportunity and anxiety4) Cryptocurrency continues to create both opportunity and harm5) Debt levels are enormous—and debt quietly reduces control of capitalWhy the typical accumulation model fails families in uncertain marketsSequence of returns risk: why averages don't protect your retirementFinancial strategy for families in uncertain markets: control of capital is the core principleCash flow planning and the liquidity strategy every family needs in 2026 and beyondHow to build liquidity for market volatilityDebt management strategy: why debt steals optionality for familiesWhy families need professional guidance more than ever in 2026Optionality: how to create a family wealth plan that lasts generationsYour most valuable asset isn't your portfolio—it's your family's capacityThe Financial Strategy Every Family Needs in 2026 and BeyondListen to the Full Episode on Financial Strategy for Families in 2026 and BeyondFAQ: Financial Strategy for Families in 2026 and BeyondWhat is the best financial strategy for families?How do you build liquidity for market volatility?How much cash reserve should a family keep in 2026 and beyond?What's the difference between cash flow and net worth for families?How can families protect wealth from volatility without going to all cash?How does debt reduce control of capital?How can AI impact jobs and investing decisions in 2026 and beyond?What does “control of capital” mean in personal finance? What You'll Gain from This Financial Strategy for Families in 2026 If you've felt the financial landscape shifting—tax uncertainty, persistent inflation, volatile markets, conflicting advice, AI disruption, crypto hype, growing debt, and nonstop headlines—you're not imagining it. The pace of change is faster. But here's the good news: you don't need a crystal ball to win financially in 2026. You need a system grounded in principles that hold up in any environment. In this article, we'll walk you through a financial framework for uncertain markets that's built on: control of capital cash flow planning liquidity strategy (liquidity buffer) optionality (having choices even when the “rules” change) decision-making confidence under uncertainty multi-generational planning that prepares your family for the future you can't predict And we'll also show you why the typical accumulation-based model leaves many families exposed—especially when volatility and sequence of returns risk collide. Financial strategy for families starts with one skill: thinking about your thinking Bruce said something that I think every family needs right now: Think about your thinking. Most people don't actually have a money strategy. They have inherited assumptions. They're doing what coworkers do. What parents did. What the internet said. What the “guru” recommended. What the algorithm fed them. In 2026, the families who thrive won't be the best guessers. They'll be the best designers. And the first step in design is awareness: Why am I saving this way? Why am I investing this way? Why am I in debt? Why does this feel “safe” to me? What am I assuming about the next 10–20 years? This isn't about obsessing. It's about choosing on purpose—so you can move forward with confidence, not second-guessing. What fundamentally changed—and why “uncertain markets” feel louder than ever When we talked about what's changed heading into 2026, Bruce laid out the big forces that are shaping the environment families are making decisions inside of: 1) Information moves instantly—and it affects how you use your money The world feels smaller because it is smaller. A person in the Caribbean can follow the same investing narrative as someone in Texas. Advice travels fast. That can be helpful. It can also be harmful—because it creates noise, urgency, and “trend pressure.” If you're constantly being told the newest move, the newest hack, the newest asset class… your financial decisions can become reactive instead of strategic. 2) The 24-hour news cycle magnifies fear—and shrinks your time horizon Here's a hard truth: fear makes people short-term. When headlines feel nonstop, people assume they need to do something right now. But families build wealth through disciplined, long-range thinking—especially when markets are volatile. 3) AI disruption adds both opportunity and anxiety AI is not the first major innovation wave (we've seen this with cars, the internet, tech booms). But it's moving faster. Some companies will soar. Some will crash. Some industries will be disrupted. New industries will emerge. That uncertainty pushes people toward emotional decision-making. 4) Cryptocurrency continues to create both opportunity and harm Crypto is still sorting itself out. Some parts thrive, others die. Governments are still deciding how they'll regulate and respond. That uncertainty can create both speculation and fear—and those are not the foundations of a stable family wealth plan. 5) Debt levels are enormous—and debt quietly reduces control of capital Debt is more than a number. It changes who controls your future cash flow. Bruce said it plainly: when you're in debt, you're not controlling capital—capital is flowing away from you. And when you combine high debt with volatility, it can create pressure-cooker decision-making. Why the typical accumulation model fails families in uncertain markets Most modern financial planning is built on a familiar script: Work and accumulate assets Grow net worth Retire Live on portfolio growth without touching principal That model depends on one assumption: that your assets will grow smoothly enough, at the right time, to support your lifestyle. But in uncertain markets, families don't just face market risk. They face timing risk. Sequence of returns risk: why averages don't protect your retirement Bruce explained this in a way that cuts through the noise: averages don't matter if timing is wrong. Two portfolios can have the same “average return” over 20 years—but if one experiences losses early (when you're withdrawing income), the outcome can be dramatically worse. That's why “the market averages 10%” is not a strategy. It's a soundbite. A real strategy considers: when you need income how much liquidity you have what happens if markets drop early whether your plan depends on selling assets in a down year If your plan requires everything to go “mostly right” in the early years of retirement, you don't have a plan—you have a hope. Financial strategy for families in uncertain markets: control of capital is the core principle When we stripped the conversation down to the essentials, we kept coming back to one word: Control. Control doesn't mean you can control the market. It means you can control your position. And your position is what determines your options. When you control capital, you have money you can access and direct: for emergencies for opportunity for strategic investing for business pivots for family needs for tax planning decisions for downturns without panic This is why we talk so much about control of capital. It's not a buzzword. It's a survival advantage—and a growth advantage. Cash flow planning and the liquidity strategy every family needs in 2026 and beyond Let's make this practical. When volatility increases, you need a plan that doesn't force you to liquidate investments at the wrong time. That requires a liquidity buffer. How to build liquidity for market volatility Liquidity isn't just “cash in a checking account.” Liquidity is access. It's the ability to move without penalties, delays, or begging for approval. A strong liquidity strategy (liquidity buffer) does two things: It keeps you stable in crisis It keeps you ready in opportunity Bruce said it perfectly: opportunities find cash. And here's the funny thing—when you have liquidity, you start noticing opportunities you would've missed before. We talked about the “Beetle effect” (your brain notices what it's primed to notice). When you have capital available, your radar changes. You see deals, investments, partnerships,

This is a sports game! Well it's a game that centers around a sport... Er, it's a game that has a sport as a central narrative piece... uh...Today we're talking about despelote by Julián Cordero and Sebastián Valbuena! A game about soccer and tuning out the adults in your life.Get despelote on Steam, Switch, or Playstation!!! Follow Julian's work on his website! Follow Sebastián on his website!Follow Matt on his YouTube channel, Flow State!Discussed in the episode:A Sportslike Manifesto by Grapefruit GamesDespelote review: miraculous slice-of-life soccer game pulls a hat trick by Moises Taveras for Digital TrendsAdditional links:Despelote with Moises Taveras by Tales from the Backlog on YouTube---Support us on Ko-fi!Visit our website!Follow us on YouTube!Follow the show on Bluesky!Check out The Worst Garbage Online!---Art by Tara CrawfordTheme music by _amaranthineAdditional sounds by BoqehProduced and edited by AJ Fillari---Timecodes:(00:00) - The sausage gets made (00:19) - Babby's first intro (01:34) - The Sports Corner (04:20) - What is despelote? (08:13) - Sportslike (11:24) - Witholding the big stuff (13:35) - Making it back to the bench (14:36) - The first ten minutes (18:39) - Standout moments (26:07) - Being a child among adults (31:24) - What happened... (32:43) - Turn the game on! (35:06) - Crossing narrative lines (37:22) - The very end (41:11) - Big Takeaways (41:16) - Matt's Big Takeaway (44:12) - Robin's Big Takeaway (46:27) - Chase's Big Takeaway (49:43) - Thank you Matt for coming on! (49:53) - Chase attempts an outro ★ Support this podcast ★

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

Deals appear “close” on the surface but quietly fall apart because the buyer never made one critical decision: the decision to change now. In this episode, Brandon explains why closing fails when reps treat it like a single ask instead of a structured sequence.He breaks down the three decisions every buyer must make (problem, change, and vendor) and shows why skipping the change decision causes hesitation, delays, and ghosting late in the process. You'll learn how to secure micro-commitments throughout the deal, how to surface the cost of inaction, and why the final close should feel obvious instead of risky.If your deals stall at the finish line even when everything seems aligned, this episode shows you exactly where the sequence is breaking, and how to fix it.

Federal employees near retirement: keeping the same TSP allocation you used at 35 could quietly erode your lifetime income, cost you tax flexibility, and expose your savings to sequence-of-returns risk that drains six figures from your hard-earned balance.Learn the three common TSP mistakes that many federal workers make — and how distribution planning, withdrawal mechanics, and retirement options can make a strategic difference. Get your FREE TSP Retirement Strategy Guide and avoid costly mistakes https://cdfinancial.org/tsp%20free%20guideSequence-of-returns risk, proportional TSP withdrawals, and knowing your post-retirement options are three often-overlooked factors that matter more than your accumulation strategy.Socials:Instagram: https://instagram.com/cdfinancial.llc/Facebook: https://facebook.com/cdfinancialLinkedIn: https://linkedin.com/company/cd-financial

http://www.sherylkline.com/blogOne of the questions I'm asked frequently, whether I'm leading a mastermind cohort, working one on one with clients, or speaking from a stage, is this:“What is the successful sequence of making a ‘big ask' and receiving buy-in?”And this applies internally ... asking for new scope, a title, compensation, or resources.It also applies externally ... asking a client to commit, expand, renew, or say yes to a bigger engagement.Most people think the ask is the moment that matters most.It's not.The ‘ask' is the fourth step.If you want buy-in, you need the right sequence ... because the sequence is what makes the ask feel like a solution, not a request for the other to give something up.So, the next time you commit to making a big ask, consider the following:Step 1: Build a Trust and Safety RunwayBefore you ask for anything, it's important to build a trust and safety runway.Not trust that you can get something done or competence trust.Explicit communication that demonstrates rust that you understand and care about the other person's perspective/condition.Trust that you are paying attention to what they're carrying. This creates safety for them to lean into what you're asking.This is a need, not a bonus. In our hierarchy of needs, we need to feel safe and cared for. And this step is often overlooked.So what does it look like?It sounds like an explicit concern. Keep in mind, to sound like you care it's imperative that you do!“It sounds like this quarter is carrying a lot of weight for you.”“It sounds like you're being asked to hold a lot of priorities at once.”“It seems like this issue is incredibly important.”And here's the beautiful part:It is okay if you are slightly off.If you say, “It sounds like XYZ is the main concern,” and you're not perfectly right, people will correct you ... and most people actually love to correct you.That correction creates clarity. And clarity creates connection.Step 2: Name Their Loss Pain ... and Truly Care About ItNext is loss pain.Loss pain is a huge driver of motivation, even more so than potential benefits. Before making an ask, it's important to understand what the other person is trying to avoid losing.It's not enough to state someone's loss pain though.Again, it's vital to genuinely care about it ... and you have to communicate that care.How?Slow your speaking down a little. Lean in a little. Be present.If you're talking about lost revenue, lost traction, lost progress, or losing momentum in the quarter ... do not rush past it. Do not deliver it like a bullet point.Let it land with weight.Because how you deliver it is part of how you build trust.And if you do this well, the other person will feel something important:“This person understands AND cares what I'm carrying.”Step 3: Let It Sit ... Then End on a CrescendoThis is where timing becomes everything.When you take someone low emotionally, it's memorable which is good! However, the “last impression is the lasting impression” as a mentor of mine says, so we don't want to end a conversation there. It is okay if there's a pause.To read further and gain more in-depth perspective viewing my video, visit my blog at: https://www.sherylkline.com/blog/the-sequence-of-a-big-askI'm cheering you on always. If I can support you, your team, or your organization in any way, please reach out to me directly.- Sheryl

Allen Buchanan joins The Crexi Podcast to discuss SoCal industrial real estate trends, rent resets, vacancy, brokerage lessons, and his book The Sequence.The Crexi Podcast connects commercial real estate (CRE) professionals with industry insights built for smart decision-making. In each episode, we explore the latest trends, innovations and opportunities shaping commercial real estate, because we believe knowledge should move at the speed of ambition and every conversation should empower professionals to act with greater clarity and confidence.  In this episode of The Crexi Podcast, host Shanti Ryall sits down with Allen C. Buchanan, SIOR, a long-term veteran from Lee and Associates Commercial Real Estate Services. With a rich history in the commercial real estate arena beginning in 1984, Allen delves into his unique career journey, sharing insights from his experience in industrial brokerage primarily focused in North Orange and West Riverside Counties. Throughout the conversation, he discusses career transitions, the nature of his early career, important mentors, key strategies he's employed, and the significant decisions that have shaped his life path, all encapsulated in his book, The Sequence. Allen also brings to light the state of Southern California's industrial real estate market, the shifting trends, and future projections, as well as advice for young brokers on empathy, authenticity, and adhering to a process. The episode wraps up with personal anecdotes, rapid-fire questions, and Allen's reflections on the importance of making contrarian decisions in life and career.Meet Allen Buchanan: A 40+ Year Legacy in Commercial Real EstateAllen's Career Transition: From Consumer Goods to Real EstateEarly Challenges and Mentorship in Real EstateThe Importance of Qualifying ClientsTraining, Mentoring, and Coaching in Real EstateThe Industrial Real Estate Market in Southern CaliforniaCalifornia Business ExpansionClass B and C Industrial AssetsObsolescence in Industrial Real EstateData Centers and Power IssuesOwner-Operator PerspectiveFuture of Southern California IndustrialCareer Longevity in Real EstateTraining the Next GenerationThe Sequence: Writing a LegacyContrarian Decisions and Personal ValuesRapid Fire QuestionsConclusion and Contact Information About Allen Buchanan:Allen C. Buchanan, SIOR joined Lee & Associates Commercial Real Estate Services, Inc. – Orange in 1984 after five years in the consumer goods business with Procter and Gamble Distributing Company and the E and J Gallo Winery. Allen Buchanan has spent his real estate career in the industrial arena in North Orange and West Riverside County. His specialties include user representation, owner representation, and investment sales.  Allen C. Buchanan became a shareholder in Lee & Associates Commercial Real Estate Services, Inc. – Orange in 1988. Mr. Buchanan is continually recognized as a Top Five Producer of the Orange office over the last 32 years and is the author of The Sequence, which just came out this past summer. For show notes, past guests, and more CRE content, please check out Crexi's blog.Looking to stay ahead in commercial real estate? Visit Crexi to explore properties, analyze markets, and connect with opportunities nationwide. Follow Crexi:https://www.crexi.com/​ https://www.crexi.com/instagram​ https://www.crexi.com/facebook​ https://www.crexi.com/twitter​ https://www.crexi.com/linkedin​ https://www.youtube.com/crexi

You've got a lead magnet that people are downloading, but then...crickets? Let's fix that!In this Email Empire episode Allison Hardy breaks down the real MVP of your email funnel: the nurture sequence. It's not about fluff or filler, it's about helping your email subscriber see their problem differently so they're primed to buy before you ever pitch.If you've ever felt like your email funnel isn't selling the way it should, this episode is your behind-the-scenes look at what's missing, and how to fix it.TAKEAWAYS:A nurture sequence isn't just a warm welcome, it's a strategic series of emails designed to shift your lead's mindset and get them ready to buy.Unlike a welcome sequence, your nurture sequence focuses on your subscriber's pain points, assumptions, and logical next steps, not on you.The goal isn't to sell immediately, but to reveal new layers of their problem so your offer becomes the clear solution.Allison shares two concrete examples (including her own $80K email template funnel) to show how well-crafted nurture sequences do the heavy lifting before the pitch even hits.LINKS YOU MIGHT FIND HELPFUL: Check out the blog post that accompanies this podcast episode for more details and resources.Snag 1 of only 12 VIP Weeks available in 2026. If your nurture sequence feels unclear, or you're not sure what to say, what comes next, or how your emails are supposed to work together, this is exactly what we solve during a VIP Week. Click here to learn more.Know you need email marketing support, but not sure what offer works best for you? Fill out this form, and Allison will be back in your inbox with a few options that fit you, your business, and your budget best.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

Biology has always been my first love, and this episode felt like the perfect moment to come back to it! In this episode, I share the thinking behind my biology scope and sequence, why order matters so much, and the structures, experiences, and connections students need to truly understand biology. I also dig into my biggest sequencing hot takes and give an inside look at what makes my It's Not Rocket Science® biology curriculum intentionally designed, practical, and effective.➡️ Show Notes: https://itsnotrocketscienceclassroom.com/episode220Resources Mentioned:Biology FULL YEAR Curriculum Biology curriculum on TpT (see all the 5 star reviews!!)Biology Units Biology Scope and Sequence Blogpost Get the FREE Biology Pacing Guide!Strategize Your SequenceDownload 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 60: Teaching with Packets - What They Are, Why I Love Them, and How to Use ThemEpisode 80: Strategizing Your Sequence: Curriculum Design Part 1Episode 179: Unpacking the NGSS: Phenomena and Storylines Episode 194: The Importance of Inquiry-Based Learning - And How to Implement It PracticallyEpisode 209: Anatomy Scope and Sequence: How and Why I Teach Anatomy the Way That I Do

This week's show covers sequence of returns risk in early retirement, avoiding RMD mistakes, rebalancing your portfolio in a lofty market, and lots more!

#684: Most people search for the perfect portfolio — the one allocation that works in every market, at every age, for every goal. This interview starts by explaining why that portfolio does not exist. We talk with Cullen Roche, founder and chief investment officer of Discipline Funds, about why copying someone else's portfolio can backfire, and why portfolio design works better when it starts with your own constraints instead of rules of thumb. We walk through real portfolio models. The conversation begins with the classic 60-40 portfolio. You hear where it came from, how it held up during the Great Depression, and why it became so widely adopted. We also talk about its trade-offs — why it feels boring in strong markets and comforting in crashes, and how that emotional balance plays a role in investor behavior. Next, we shift to a Buffett-style portfolio. You hear why the takeaway is less about stock picking and more about structure. The discussion covers why Buffett keeps a small allocation to cash-like assets, how that “dry powder” functions during downturns, and why psychological stability matters as much as returns. The episode then turns to cash management. We talk about high-yield savings accounts, money market funds and Treasury bills. You hear how many cash products are built on T-bills, how banks capture part of the yield, and when managing cash directly may make sense. The concept of “T-bill and chill” comes up — along with when the extra effort may or may not be worth it. Finally, the conversation zooms out to time horizons. We discuss why income from a job functions like a bond allocation, how that changes risk capacity when you are younger, and why the early years of retirement carry the most danger. The episode closes by explaining sequence-of-returns risk and why portfolios need to work not just on paper, but in moments of fear. Resource: Cullin's website and newsletter: https://disciplinefunds.com Timestamps: Note: Timestamps will vary on individual listening devices based on dynamic advertising run times. The provided timestamps are approximate and may be several minutes off due to changing ad lengths. (00:00) Intro  (02:00) No perfect portfolio (03:34) 60-40 portfolio starts (06:38) 60-40 keeps calm (08:00) Buffett portfolio basics (12:11) Stocks vs cash fear (13:34) T-Bill and Chill (18:22) TreasuryDirect is clunky (23:42) Income as bond proxy (25:33) Bond tent buffer (29:12) Sequence risk explained (31:42) Early retirement mindset (32:36) COVID panic calls (42:49) Three-fund portfolio basics (58:41) Get-rich-quick trap (1:18:21) Risk parity and All-Weather Learn more about your ad choices. Visit podcastchoices.com/adchoices

Are you waiting for your spiritual life to suddenly feel "abundant," or are you actively growing into it?In this message from November 23, 2025, Pastor Charlie Grimes opens 2 Peter 1:3-11 to show us that a fruitful life in Jesus isn't something we wait for—it's something we cultivate.In "The Abundant Life Realized," you will discover:The Divine Power: How God has already given us everything we need for life and godliness.The Apple Tree Illustration: Using the lifecycle of a tree to understand how faith must root, branch out, and bear fruit.The Sequence of Discipleship: A step-by-step look at verses 5-7 (faith, virtue, knowledge, self-control, perseverance, godliness, brotherly kindness, and love) and how these traits build upon one another.If you want to move from spiritual stagnation to a flourishing, fruitful walk with Christ, this message will encourage you to "make every effort" to grow in your faith.Connect with Us: If this message blessed you, please LIKE this podcast and SUBSCRIBE to the channel for more Biblical teaching and encouragement.We'd love to hear from you: Which step in the "sequence of discipleship" do you feel God is calling you to focus on right now? Let us know in the comments!#2Peter #AbundantLife #SpiritualGrowth #Discipleship #ChristianSermon #PastorCharlieGrimes #Faith #Fruitfulness #BibleStudy #ChristianLiving

This is AI x Multilateralism, a mini-series on The Next Page, where experts help us unpack the many ideas at the nexus of AI and international cooperation. Today, the majority of AI development and deployment is controlled by a small number of powerful firms. If this path continues, the next generation of digital infrastructure underpinning our societies will be privately owned and unaccountable to the public interest.  Is there another way, one where where AI serves the common good? In this episode, Jacob Taylor (Fellow at the Brookings Institution's Center for Sustainable Development and a 2025 Public AI Fellow) and Joshua Tan (Co-Founder and Research Director at Metagov) make the case for Public AI: shared, open AI infrastructure (much like highways, electricity grids, and public broadcasting), that is publicly responsible and harnessed to solve collective problems. Drawing on their article Public AI is the New Multilateralism and Metagov's Public AI White Paper, they argue that building public AI infrastructure can become a new form of multilateralism, where states, academia and civil society co‑create accessible, accountable AI systems that can be shared and re-purposed to meet a range of local, regional and global needs. They share real‑world examples of Public AI already emerging, explain why middle powers have the strongest incentives to lead Public AI, and outline an “Airbus for AI” model to close capability gaps, reduce the world's dependency on a few private platforms, and solve cross‑border problems. Resources mentioned:  The Public AI Inference Utility - publicai.co  Public AI - https://publicai.network/  Production:    Guests: Jacob Taylor and Joshua Tan Host, production and editing: Natalie Alexander Julien  Recorded & produced at the Commons, United Nations Library & Archives Geneva  Podcast Music credits: Sequence: https://uppbeat.io/track/img/sequence Music from Uppbeat (free for Creators!): https://uppbeat.io/t/img/sequence License code: 6ZFT9GJWASPTQZL0 #AI #Multilateralism #PublicAI #AIInfrastructure

(1 Thessalonians 4:13-18) - In this chapter Paul revealed new information about the coming of the Lord to gather church-age believers before - the time when God's righteous wrath is poured out in judgment upon a Christ-rejecting world. They were to take - comfort from these new truths about the resurrection of both living and deceased church-age saints. - Separate charts are provided: - 1) Distinctions between the Rapture and the Second Coming - 2) The Sequence of Events at the Rapture - [27 minutes]

Michelle Warner took the “escapee avoidance” route — she planned to do the traditional MBA-to-consulting path… then graduated straight into the Great Recession (the day Lehman fell). That curveball pushed her into entrepreneurship early: a founder-for-hire role turning a multi-billion-dollar foundation asset into a business, followed by a mission-driven tech startup, and eventually her current work helping small business owners design the next iteration of their business.This is a tactical episode about what actually works when you're leaving corporate: why you should “throw spaghetti at the wall” early, how to stop doing random coffee chats, and how to use relationship marketing and audience borrowing to land clients faster — without turning into a sales robot.What you'll learn • Why “sequence over strategy” matters more than the perfect plan • The hidden risk of being too strict and narrow early on (and why it creates regret later) • How Michelle built her business through relationship marketing, not content churn • “Audience borrowing” as the fastest way to build trust and pipeline • How to approach connector conversations vs. client conversations • Why your early goal is simple: learn how to make money and stack wins • A practical way to think about packaging: repeatable frameworks, flexible middleKey moments / highlights • Graduating into chaos: the day Lehman fell and what it changed • Founder-for-hire: getting a salary while living the startup founder life • Affordable internet in inner cities — and what customers actually did with it • “Fractional CEO” before fractional was trendy • The rule: don't build with blinders on for too long • The shift from “networking for jobs” to networking as a long-term business asset • The line that matters: say something that people can't “unsee” after the callMichelle's core concepts (worth stealing) • Sequence over strategy: the order of moves beats the elegance of the plan • Throw spaghetti first: test offers, clients, and problems before you commit • Connection avatar: define who's worth meeting so networking doesn't waste your life • Trust transfer: get introduced through people/places your audience already trusts • Audience borrowing: build relationships with people who “own the room” your clients are inBest quote energy • “Learn all the rules so you can go break them.” • “It's more important the order you do things than how good you are at it.” • “I'm totally unemployable.” (Escapee anthem)Connect with Michelle • Website: themichellewarner.com • Podcast: Sequence Over Strategy (short, practical episodes; curated playlists on her site)Connect with Brett / The Escapee ecosystem • If corporate is broken and you're looking at an exit strategy, this is your sign. • Join the community: TheEscapeeCollective.com

Mercer Financial Group is a full-service financial services firm committed to helping individuals, families, and business owners build confident, sustainable financial futures. Based in the Wichita Metro Area and proudly serving clients nationwide, we specialize in personalized retirement planning and long-term investment strategies designed to balance growth with safety.With a comprehensive suite of services—including retirement plan design, portfolio management, and access to a wide range of investment options such as stocks, bonds, and other diversified assets—Mercer Financial Group provides the guidance clients need to navigate every stage of their financial journey. Their approach centers on understanding each client's goals, risk tolerance, and vision for retirement, allowing us to create tailored strategies that support both wealth accumulation and preservation.At Mercer Financial Group, they believe retirement should be lived with confidence. Their mission is to empower clients with clarity, thoughtful planning, and trusted expertise so people can enjoy the financial security they've worked hard to achieve.Learn More: http://www.mercerfg.com/Copyright 2025 – Wealth Watch Advisors (WWA) is an SEC registered investment advisory firm and only transacts business in states where it is licensed to do so or exempt from registration. Please note that registration with the SEC does not denote a particular level of skill of the advisor or imply an endorsement by the SEC. All information provided is intended to be general in nature and does not represent personal financial advice. This site is not a solicitation or an offer to invest or purchase any specific product or service. All investments involve risk of loss and are not FDIC insured or guaranteed by any governmental agency or organization. You can view and download our Privacy Policy, Disclosures, ADV Part 2A, and ADV Part 3 CRS. Shawn Mercer is an Investment Advisor Representative of Wealth Watch Advisors and Mercer Financial Group is not affiliated with Wealth Watch Advisors.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-shawn-mercer-founder-of-mercer-financial-group-discussing-market-volatility-sequence-of-returns-risk

How We Seeez It! Episode 320, Pluribus (2025) Season 1 “Because I'm smart enough to know you don't ask a drug dealer to describe their heroin.” — Carol. Vince Gilligan's latest sci-fi, dystopian dark comedy series on Apple TV stars Rhea Seehorn as Carol Sturka. This series will have some people yelling praise from the rooftops, while others lament its slow and, to them, boring pace. No matter what side you come down on, we can all agree that Pluribus is thought-provoking. So, join us for the discussion, and don't forget about our cocktails for this episode — there should be some good ones. As always, mix a drink, have a listen, and let us know what you think. Or let us know if there's something you've watched that we might enjoy, or a can't-miss series we should check out. Please also rate and review the show on all your favorite podcast apps.   Drinks for the episode: "The Sequence" ¾ oz Drambuie ¾ oz Campari ¾ oz Crème de Violette ¾ oz Blue Curaçao layer carefully and stir before drinking & "D.O.S.E. of Screaming Orgasm" 1 oz Vodka 1 oz Amaretto 1 oz Coffee liqueur 1 oz milk “HDP” 3 oz 99 Bananas 2 oz Crème de Cacao 2 oz Milk Shaken and pour over ice "Hand Grenade" 1 oz London Dry Gin  1 oz Spiced rum 1 oz Vodka 1 1⁄4 oz Midori 1 1⁄4 oz Pineapple juice Beer Komes Raspberry Porter   Show links. https://hwsi.fm https://hwsi.podbean.com/e/pluribus-season-1/  HWSI LinkTree HWSI Facebook Link HWSI Instagram Link HWSI Youtube link !! You can also email the Podcast at the.HWSI.podcast@gmail.com

Reach Out: Please include your email and I will get back to you. Thanks!Link to the Watchman Nee book.emersonk78@me.comExcel Still More Journal - AmazonNew GENESIS Daily Bible Devotional!Daily Bible Devotional Series - AmazonSponsors:  Spiritbuilding Publishers Website:  www.spiritbuilding.comTyler Cain, Senior Loan Officer, Statewide MortgageWebsites: https://statewidemortgage.com/https://tylercain.floify.com/Phone: 813-380-8487The believer rests in Christ. Not just one day, but today. We are seated with Him in a place of protection, help, and assurance. He is with us always, even right now, and with Him comes omnipotence and glory. We are saved, secured, and safe.It is only from this seat that we can truly walk. And I don't mean just get up and start walking. I mean that what is true spiritually remains true: you are seated with Christ, even as you walk. The walk reflects the relationship. It is not an effort to validate what Christ did or to pay Him back. It is not a debt owed. It is a life of hope in Him.The devil will attack. He will try to ruin our confidence. But he is a loser. He has lost. We are on Mount Zion; he is in the valley of despair. We have the high ground in Jesus Christ, and the power of Christ to hold that ground.Sequence is crucial. You cannot stand if you are not seated, nor walk. Begin with Christ, pray about what is true, find joy in who you are in Him and who He is for you. And walk with life and stand with strength—His strength. 

In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz sit down to have an honest conversation with the CEO of Affirm, Max Levchin. To keep up with Max, consider following him on LinkedIn and X! You can also follow Affirm on X. ---We're thrilled to introduce the Rich Habits Money Map! If you're someone ready to automate your saving and investing, the Rich Habits way, this workflow by Sequence is for you. Click here to sign up for Sequence and gain access to our Rich Habits Money Map! ---

Thank you to our sponsor, Figure! Ethereum scaling network Polygon is charting a new course. Polygon on Jan. 13 announced that it was becoming a “regulated U.S. payments platform” following the acquisition of Web3 services companies Coinme and Sequence. In this Unchained episode, Polygon Labs CEO Marc Boiron reveals the motivations behind the pivot and what it means for the network and its native token POL. He says that despite the pivot, Polygon is not becoming an application chain. Can Polygon thrive in the stablecoin dominated space? And will POL benefit? Guests: Marc Boiron, Chief Executive Officer at Polygon Labs Links: Flutterwave and Polygon to Launch Africa-Wide Stablecoin Payments Why Wall Street Banks Need to Launch Their Own Stablecoins Stripe and Paradigm Announce New Layer 1 Blockchain 'Tempo' Circle to Launch Layer 1 Blockchain ‘Arc' Stablecoin Blockchains Are Coming. Here's Why These Two Giants Should Be Nervous Learn more about your ad choices. Visit megaphone.fm/adchoices

Crypto News: Bitcoin crosses $95,000 again and the total altcoin market looks primed to pump higher. Major updates on the crypto market structure bill. Polygon strikes $250M deal for Coinme and Sequence in stablecoin payments pushBrought to you by ✅ VeChain is a versatile enterprise-grade L1 smart contract platform https://www.vechain.org/