Podcasts about social security

Roger Whitney wraps up the four-part series on navigating health care before Medicare by introducing a practical decision-making framework using the OODA Loop—observe, orient, decide, act—to help you avoid unforced errors and make a confident judgment call. He walks through organizing your retirement cash flow, estimating MAGI and ACA subsidy eligibility, evaluating COBRA, ACA, and private coverage options, and weighing tax optimization against simplicity and continuity of care. He's joined by Taylor Schulte of Define Financial to discuss how professionals navigate Roth conversions, Social Security timing, ACA cliffs, and the trade-offs between optimizing for subsidies versus long-term tax planning.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) This show is dedicated to helping you not just survive retirement, but have the confidence to lean in and rock it.(00:30) Roger introduces the final week of the health care before Medicare series and previews upcoming episodes with Harry Reese (co-author of How to Feel Loved) and retirement researcher Wade Pfau.PRACTICAL PLANNING SEGMENT(02:30) Roger reviews the three “heads” that must be managed before Medicare- cost, continuity of care, and complexity.(03:30) Roger talks about avoiding unforced errors that could cost you money, disrupt care, or create unnecessary stress.(05:18) Roger introduces the OODA Loop—observe, orient, decide, act—as a practical way to think step by step about health coverage choices. (05:52) Observe: Build a 5-year retirement income and spending plan, estimate taxes and MAGI, identify where you fall relative to the ACA subsidy cliff, and review withdrawal sources (taxable, pre-tax, Roth) along with future RMD implications.(14:21) Orient: Clarify what matters most to help you make a decision.(20:00) Decide & Act: Choose a direction, document your reasoning, update your plan of record, and implement the distribution strategy that supports your choice.CONVERSATION WITH TAYLOR SCHULTE(22:25) Roger introduces Taylor Schulte from Define Financial(23:15) Why health care before Medicare shouldn't automatically delay retirement and how assumptions often go untested.(26:50) Evaluating alternatives beyond ACA, including COBRA as a short-term bridge and private plans.(31:50) The tension between Roth conversions and ACA subsidies, and how Social Security timing affects MAGI.(34:20) Avoiding the “optimization trap”: sometimes paying more for simplicity still results in a resilient retirement plan.(36:40) The key takeaway is that there's no perfect answer—retirees should explore options, make informed decisions without fear, and use healthcare planning as a tool rather than a barrier or excuse to delay retirement.SMART SPRINT(43:35) Set a reminder to review your health care strategy using a structured approach—especially if retirement or Medicare enrollment is approaching. The goal is to be intentional, not reactive.REFERENCESSubmit a Question for RogerSign up for The NoodleThe Retirement Answer ManKaiser Family Foundation (KFF)Healthcare.govDefine Financial- Taylor SchulteStay Wealthy Retirement Show- Taylor Schulte (podcast)

Chris's SummaryJim and I review Fisher Investments’ 99 Retirement Tips and begin working through the list, covering only a handful in this episode. We discuss estate planning basics such as having a will, the importance of reviewing estate documents, and considering living wills and trusts, with emphasis on incapacity planning. We then examine longevity statistics, why life expectancy at birth is often misapplied, and how that connects to retirement income decisions, including Fisher's warning on annuities. Jim's “Pithy” SummaryChris and I start digging into Fisher Investments’ 99 Retirement Tips and, true to form, we only make it through a few because I may have wandered down a rabbit hole or two. The estate planning stuff is straightforward—have a will, review it, don't ignore the documents that matter if you're alive but not fully capable. Death is easy administratively. Incapacity is where things get messy, and that's where families struggle. And that's where better planning matters most. Then we get into longevity. If you're going to say people might live longer than they think, you better use the right numbers. Not the “life expectancy at birth” headline stat. If a couple makes it to 65, the odds shift. That matters. That changes the runway. That changes how you think about income. It also changes how long that portfolio has to work, and how long decisions have to hold up. And from there we run into the annuity warning. We're not pro-annuity and we're not anti-annuity. Many deserve criticism, but if longevity risk is real—and it can be—then you should evaluate lifetime income options on their merits. Social Security is guaranteed lifetime income. Income annuities are too, so they should belong in the conversation. Whether you use them depends on the situation, but you can't talk about taking longevity seriously and then issue a blanket warning against annuities. The post Fisher's 99 Retirement Tips: EDU # 2608 appeared first on The Retirement and IRA Show.

What happens when a "late-starter" ER doc finally hits FI at 60, then must figure out how to actually spend the money without blowing it—or hoarding it forever? Bill joins Mindy and Scott on the BiggerPockets Money podcast to walk through his full "caught up to FI" debrief. Here his decade-long sprint from single-digit savings to 40%, taking his money back from a private bank, and the 60th-birthday retirement-readiness check that came back with a 100% success rate. From there, they dig into his move from a simple three-fund portfolio to a risk-parity setup, why he hired a flat-fee planner after years as a DIY investor, and how he's using FI to buy back time and jump-start his kids' wealth with Roth IRAs, HSAs, and tax-savvy living gifts. This episode covers:  ➡️ Going from "rich but broke doctor" to FI in about 10 years ➡️ Boosting a savings rate from single digits to ~40% without feeling deprived ➡️ Shifting from a three-fund portfolio to a risk-parity decumulation strategy ➡️ Using flat-fee, advice-only planner instead of 1% AUM ➡️ Order of withdrawals: taxable, pre-tax, Roth, plus asset location ➡️ Modeling taxes, RMDs, and Social Security timing in real life ➡️ Building a "3-1-1" spending plan for needs, comfort, and luxury/giving ➡️ Helping adult kids fill Roth IRAs and HSAs as part of generational wealth ➡️ Weighing when to actually leave medicine once money is no longer the boss   ==============================   DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS   MONARCH MONEY The modern way to manage money! Monarch will change the way you organize your financial life. Track, budget, plan, and do more with your money – together. Get 50% off the first year using this link and entering code: CATCHINGUP50   For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners    SUPPORT  THE  SHOW

According to the Pew Research Center, Income Impact: without Social Security, nearly 40% of seniors would have incomes below the official poverty threshold. Furthermore, the Office of Budget and Policy Initiative notes that Social Security benefits are more modest than commonly perceived; as of February 2024, the average monthly Social Security retirement benefit was approximately $1,862, equating to about $22,344 annually. (Average payments for disabled workers and aged widows were lower.) For an individual with average earnings retiring at age 65 in 2024, Social Security replaces roughly 39% of previous income. This “replacement rate” has declined as the program's full retirement age increased from 65 in 2000 to 67 by 2022. Nancy L. Cavey is a distinguished attorney with over 39 years of experience specializing in disability law. Recognizing the complexities and significant impact of filing for disability benefits, Cavey has successfully guided numerous clients through the process with expertise and sensitivity. Her practice, The Law Office of Nancy L. Cavey, possesses extensive experience in disability claims and has represented clients with medical conditions including heart disease, hypertension, chronic fatigue syndrome, fibromyalgia, spinal injuries, post-traumatic stress disorder, and traumatic brain injury.  Cavey's dedication to her work is informed by personal experience: during her late teens, her father was diagnosed with leukemia. This firsthand understanding of the emotional and financial challenges faced by individuals and families affected by disability informs her empathetic approach to client representation. Serving clients nationwide in Social Security and Long-Term Disability matters, she consistently advocates for individuals who have not received fair treatment or entitled benefits. Cavey has authored several consumer-oriented guides on disability, including *The Disability Insurance Claim Survival Guide for Professionals* and *Your Rights to Social Security Disability Benefits*. She is also a member of the National Organization of Social Security Claims Representatives (NOSSCR), and is licensed in Florida and the District of Columbia. For additional information, please visit: https://caveylaw.com/ Phone: (727) 894-3188 YouTube: @CaveyLaw Podcast: https://podcasts.apple.com/us/podcast/winning-isnt-easy-navigating-your-social-security-disability/id1792485475   Learn more about your ad choices. Visit megaphone.fm/adchoices

If you'd like to work with us on your Medicare health plan, we're licensed in 45 states and actively helping clients across the country. Christian and the team at Everything Senior Insurance represent many of the top insurance companies in the Medicare space. We're happy to help—just reach out! ➡️ Visit our site: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.eseniorinsurance.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠✅ Call us: (801) 255-5340

Welcome to Q & A Wednesday: Straight Talk on Your Money — a live, unscripted Q&A show pulled directly from our YouTube chatroom. No canned slides. No rehearsed talking points. Just practical, plain-English answers to real-world money questions with Lance Roberts and Danny Ratliff. Lance & Danny tackle topics like retirement planning, Roth vs. traditional decisions, tax-smart withdrawal strategies, Social Security timing, portfolio risk management, diversification, income planning, cash vs. investing, debt payoff frameworks, and how to think through market volatility without wrecking your long-term plan. We also discuss the “why” behind common financial rules of thumb—what holds up, what doesn't, and how to tailor decisions to your situation. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer Rate us on Google: https://bit.ly/4b9JtEo 0:00 - INTRO 0:50 - SOTU Address & Nvidia preview 5:32 - Markets Building a Rolling Top 9:20 - What is Happening to META? 12:31 - Is An Attack on Iran Priced-in to the Market? 14:37 - Buying Brazilian Bonds 18:15 - What's the Best Way to Keep Up w Sector Rotation? 20:34 - Is StableCoin Good for The Dollar? 23:48 - Will TurboTax Go AI? 27:13 - Investing in the Healthcare Space 30:27 - What is the Key Metric in Planning a Portfolio? 34:55 - Indicators for Reducing Risk in Positions 40:03 - Pro's & Con's of Bond ETF's 43:34 - Will Silver Prices Stay High? 45:14 - The Difference Between Treasury Notes vs Bonds 48:04 - Allocation Recommendation for 45-yr old Millionaire 51:44 - Coming Attractions ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/oW7OkyOvYC4 ------- Articles Mentioned in Today's Show: "The Business Cycle Narrative & War With Iran" https://realinvestmentadvice.com/resources/blog/the-business-cycle-narrative/ "Is China Really Dumping US Treasuries?" https://realinvestmentadvice.com/resources/blog/is-china-really-dumping-us-treasuries/ ------- Watch our previous show, "Stop Chasing 2026 Returns," here: https://youtube.com/live/iN9Pv2Thvbo -------- The latest installment of our new feature, Before the Bell, "100-DMA Support at Risk," is here: https://youtu.be/tiE6S1qaBn0 ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SP500 #MarketOutlook #TechnicalAnalysis #RiskManagement #PersonalFinance #RetirementPlanning #InvestingBasics #FinancialPlanning #AskUsAnything

Welcome to Q & A Wednesday: Straight Talk on Your Money — a live, unscripted Q&A show pulled directly from our YouTube chatroom. No canned slides. No rehearsed talking points. Just practical, plain-English answers to real-world money questions with Lance Roberts and Danny Ratliff. Lance & Danny tackle topics like retirement planning, Roth vs. traditional decisions, tax-smart withdrawal strategies, Social Security timing, portfolio risk management, diversification, income planning, cash vs. investing, debt payoff frameworks, and how to think through market volatility without wrecking your long-term plan. We also discuss the "why" behind common financial rules of thumb—what holds up, what doesn't, and how to tailor decisions to your situation. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer Rate us on Google: https://bit.ly/4b9JtEo 0:00 - INTRO 0:50 - SOTU Address & Nvidia preview 5:32 - Markets Building a Rolling Top 9:20 - What is Happening to META? 12:31 - Is An Attack on Iran Priced-in to the Market? 14:37 - Buying Brazilian Bonds 18:15 - What's the Best Way to Keep Up w Sector Rotation? 20:34 - Is StableCoin Good for The Dollar? 23:48 - Will TurboTax Go AI? 27:13 - Investing in the Healthcare Space 30:27 - What is the Key Metric in Planning a Portfolio? 34:55 - Indicators for Reducing Risk in Positions 40:03 - Pro's & Con's of Bond ETF's 43:34 - Will Silver Prices Stay High? 45:14 - The Difference Between Treasury Notes vs Bonds 48:04 - Allocation Recommendation for 45-yr old Millionaire 51:44 - Coming Attractions ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/oW7OkyOvYC4 ------- Articles Mentioned in Today's Show: "The Business Cycle Narrative & War With Iran" https://realinvestmentadvice.com/resources/blog/the-business-cycle-narrative/ "Is China Really Dumping US Treasuries?" https://realinvestmentadvice.com/resources/blog/is-china-really-dumping-us-treasuries/ ------- Watch our previous show, "Stop Chasing 2026 Returns," here: https://youtube.com/live/iN9Pv2Thvbo -------- The latest installment of our new feature, Before the Bell, "100-DMA Support at Risk," is here: https://youtu.be/tiE6S1qaBn0 ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SP500 #MarketOutlook #TechnicalAnalysis #RiskManagement #PersonalFinance #RetirementPlanning #InvestingBasics #FinancialPlanning #AskUsAnything

Send a textRHOP-Reunion Part 2: Chaos in Couture

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the latest Social Security shortfall projections and what they really mean for your retirement plan, discuss whether new hedge-fund-style ETFs add real diversification or just complexity, explore how to stay relevant in an AI-driven workplace, and answer listener questions on portfolio risk, diversification, and protecting your financial information in today’s digital world.See omnystudio.com/listener for privacy information.

Paul Auslander, President of SeaBridge Private Wealth, a division of SeaBridge Investment Advisors LLC joins the Chuck Toddcast for a wide-ranging conversation about the intersection of money, markets, and the current political moment. Auslander walks through how the political climate now factors directly into financial planning projections, noting that European indices doubled the S&P's performance last year as capital flows shift overseas, and that a growing number of wealthy clients are hedging by moving money out of the United States. He offers candid takes on the issues keeping investors up at night: the inevitability of Social Security cuts (though he argues simply pushing retirement age from 67 to 69 would stabilize the fund), the likely future of Social Security privatization, crypto's evolution from a technological revolution into a special interest that bought its own policy outcomes, and whether there's money to be made off bad Trump policies that are likely to be reversed. Auslander also explains why the bond market is a better barometer of economic health than the stock market, why private equity is sitting on mountains of sidelined capital, and why he remains cautiously bullish on 2026 — largely because AI is only in the "second inning" and massive disruption is still ahead. The conversation also ventures into territory financial planners don't usually discuss publicly. Auslander addresses whether the wealthy are worried the "pitchforks are coming for them," pointing to economic anxiety driving a spike in gun sales and a pop culture landscape that increasingly portrays corporations and the ultra-rich as villains. He breaks down the rise of family offices — private wealth management firms for the ultra-wealthy that take a long-term investment view — and explains why companies increasingly choose to stay private thanks to nearly unlimited private capital, rather than face the scrutiny of public markets. They also dig into the generational divide between investing and gambling, the casino-like nature of prediction markets, and the burden that post-Lehman Brothers insurance and regulatory requirements have placed on small businesses and regional banks that had nothing to do with the 2008 financial crisis. Auslander closes with a pointed message: that Fed independence and the rule of law are paramount to economic stability, and that centrism — not ideological extremism — remains the best way to run the country. Go to https://zbiotics.com/CHUCKTODDCAST and use CHUCKTODDCAST at checkout for 15% off any first time orders of ZBiotics probiotics.” Protect your family with life insurance from Ethos. Get up to $3 million in coverage in as little as 10 minutes at https://ethos.com/chuck. Application times may vary. Rates may vary. Thank you Wildgrain for sponsoring. Visit http://wildgrain.com/TODDCAST and use the code "TODDCAST" at checkout to receive $30 off your first box PLUS free Croissants for life! Link in bio or go to https://getsoul.com & enter code TODDCAST for 30% off your first order. American Finance Disclaimer: NMLS 182334, nmlsconsumeraccess.org. APR for rates in the 5s start at 6.196% for well qualified borrowers. Call 866-885-1081, for details about credit costs and terms. Or https://apply.americanfinancing.net/thechucktoddcast Timeline: (Timestamps may vary based on advertisements) 00:00 Paul Auslander joins the Chuck ToddCast 01:30 Paul’s origin story 02:45 Financial planning was mostly done by insurance companies in 70’s 03:30 Northerners move to FL for taxes & weather, but FL is pushing it socially 06:00 Fiduciary responsibility is the line of demarcation in financial planning 07:00 Factoring the political climate into financial planning projections 08:30 European index doubled the performance of the S&P last year 09:30 Tax policy is generally the biggest concern for investors 12:00 A cut to social security payments is bound to happen 13:00 If you push retirement from 67 to 69 the SS fund becomes healthy 15:15 Social security privatization likely to happen in the future 17:15 Money to be made off bad Trump policies that are likely to go away? 18:15 Crypto became a special interest & bought support for pro crypto policy 20:00 Crypto is a revolution that predates Trump & will outlast him 21:30 Lesson to be learned from rise then collapse in price of silver? 22:30 Central banks are buying silver, gold and assets 24:00 How many people are hedging by moving money out of the U.S.? 24:45 Europe is spending big money on arms & infrastructure 26:00 Definition of a “Family Office” 28:30 Family office investments are increasingly popular & take the long view 30:00 Are the investors/wealthy worried the pitchforks are coming for them? 31:30 Economic anxiety driving a spike in gun sales 33:00 Pop culture portrays corporations & wealthy as the villains 34:30 Private equity has a lot of money on the sideline, looking for investments 37:30 The burden of insurance requirements on small business 40:00 Small & regional banks paying for the sins of Lehman Brothers 41:00 Companies stay private due to near unlimited private capital 41:45 Do young people like investing… or do they just like gambling? 42:45 Thoughts on prediction markets? 44:00 There’s a casino like approach to certain markets 45:15 If the house flips, you could see money get withdrawn from markets 46:30 How do Trump’s relationships with world leaders affect projections? 47:45 The bond market is more indicative of economic health than stock market 48:45 Uncertainty will impact earnings 49:15 Why are you feeling bullish on 2026? 51:30 AI is only in the 2nd inning. Disruption is coming 54:30 Thom Tillis sounds like a different man now that he’s retiring 55:30 Centrism seems like the best way to run the country 57:30 AI won’t be replacing financial advisors anytime soon 59:45 What’s one question you want every presidential candidate to answer? 1:00:15 Fed independence and rule of law are paramountSee omnystudio.com/listener for privacy information.

In this episode recorded immediately after Trump's record-breaking 108-minute State of the Union address, Chuck Todd argues that while Trump's base will love the "own the libs" moments — from trolling Democrats in the chamber to the raucous "USA" chants from Republicans — the speech was fundamentally a missed opportunity that did nothing to help the GOP heading into the midterms. He contends that Trump chose to be a party leader rather than a president, turning the address into something resembling an award show by packing it with medal presentations, the Olympic men's hockey team, honorees who deserved more dedicated recognition rather than being used as applause props in an already bloated speech. He argues that Trump's tone on the economy couldn't have been worse for Republicans: with his approval at 60% disapproval and the Supreme Court having just struck down his tariffs days earlier, Trump barely addressed voters' core concerns about costs and affordability, instead declaring a "turnaround for the ages" that doesn't match most Americans' lived experience. He notes Trump’s highlighting of Iran's ballistic missiles sounded like a pretext for war that won't play well with parts of his own base. He praises Virginia Governor Abigail Spanberger's Democratic response as simple and effective — particularly her pointed questions about whether the president is actually working to make life more affordable — and argues she clearly won over independents. He closes with a bigger-picture observation: that there's a 60% majority coalition available on populist economic issues like protecting the safety net from cuts to fund tax breaks for the wealthy, but that Democrats still have a damaged brand despite Trump's terrible numbers, and that voters who thought they were getting first-term Trump are reckoning with something very different. Then, Paul Auslander, President of SeaBridge Private Wealth, a division of SeaBridge Investment Advisors LLC joins the Chuck Toddcast for a wide-ranging conversation about the intersection of money, markets, and the current political moment. Auslander walks through how the political climate now factors directly into financial planning projections, noting that European indices doubled the S&P's performance last year as capital flows shift overseas, and that a growing number of wealthy clients are hedging by moving money out of the United States. He offers candid takes on the issues keeping investors up at night: the inevitability of Social Security cuts (though he argues simply pushing retirement age from 67 to 69 would stabilize the fund), the likely future of Social Security privatization, crypto's evolution from a technological revolution into a special interest that bought its own policy outcomes, and whether there's money to be made off bad Trump policies that are likely to be reversed. Auslander also explains why the bond market is a better barometer of economic health than the stock market, why private equity is sitting on mountains of sidelined capital, and why he remains cautiously bullish on 2026 — largely because AI is only in the "second inning" and massive disruption is still ahead. The conversation also ventures into territory financial planners don't usually discuss publicly. Auslander addresses whether the wealthy are worried the "pitchforks are coming for them," pointing to economic anxiety driving a spike in gun sales and a pop culture landscape that increasingly portrays corporations and the ultra-rich as villains. He breaks down the rise of family offices — private wealth management firms for the ultra-wealthy that take a long-term investment view — and explains why companies increasingly choose to stay private thanks to nearly unlimited private capital, rather than face the scrutiny of public markets. They also dig into the generational divide between investing and gambling, the casino-like nature of prediction markets, and the burden that post-Lehman Brothers insurance and regulatory requirements have placed on small businesses and regional banks that had nothing to do with the 2008 financial crisis. Auslander closes with a pointed message: that Fed independence and the rule of law are paramount to economic stability, and that centrism — not ideological extremism — remains the best way to run the country. Finally, Chuck presents his updated ToddCast Top 5 list of senate seats most likely to flip in the midterms and answers listeners’ questions in the “Ask Chuck” segment. Go to https://zbiotics.com/CHUCKTODDCAST and use CHUCKTODDCAST at checkout for 15% off any first time orders of ZBiotics probiotics.” Protect your family with life insurance from Ethos. Get up to $3 million in coverage in as little as 10 minutes at https://ethos.com/chuck. Application times may vary. Rates may vary. Thank you Wildgrain for sponsoring. Visit http://wildgrain.com/TODDCAST and use the code "TODDCAST" at checkout to receive $30 off your first box PLUS free Croissants for life! Link in bio or go to https://getsoul.com & enter code TODDCAST for 30% off your first order. American Finance Disclaimer: NMLS 182334, nmlsconsumeraccess.org. APR for rates in the 5s start at 6.196% for well qualified borrowers. Call 866-885-1081, for details about credit costs and terms. Or https://apply.americanfinancing.net/thechucktoddcast Timeline: (Timestamps may vary based on advertisements) 00:00 Chuck Todd’s introduction 03:15 Trump’s base will love “own the libs” moments from SOTU 04:30 Most of Trump’s base was celebrating himself & animating his base 05:15 Trump’s tone on the economy couldn’t have been worse for GOP 06:30 Trump hid behind the glory of others, turned speech into award show 07:45 Awards are an incredible honor, deserved more time & recognition 09:30 Hopefully the recipients get dedicated events to honor them 10:00 Overloading the speech with awards felt a bit gimmicky 11:00 Trump mostly bit his tongue when addressing SCOTUS 11:30 Trump chose to be a party leader rather than president, trolled Dems 12:15 Spanberger’s response to SOTU was simple & effective 14:00 Spanberger definitely did better with independents than Trump 14:45 Trump’s proposal to make AI companies provide their power is a winner 15:15 Trump highlighting Iran’s ballistic missiles sounds like a pretext for war 16:30 Attacking Iran won’t play well with parts of Trump’s base 17:30 Trump didn’t talk about Venezuelan democracy, just oil 18:15 Trump’s still working with the Maduro regime 19:45 Are we trying to prevent Iranian nukes, or attempting regime change? 20:30 Trump claiming credit for getting Mexican cartel leader is a big faux pax 21:45 Allies feel like Trump will sell them out just so he can take credit 22:30 Trump didn’t address voters concerns on costs & the economy 23:45 Trump is better on the attack than defending his record 24:30 The speech didn’t give Republicans a boost for the midterms 25:30 Most Americans don’t support cutting safety net for tax cuts 27:30 There’s a 60% majority to be had on economic issues, not cultural ones 29:15 Voters keep picking the out party 30:30 There’s a majority coalition to be won with populist economic policy 32:30 This could be a moment for candidates to shed the party label 33:00 Democrats will have a strong midterm just being against Trump 33:45 Class politics could create a strong majority 35:30 Voters thought they’d get 1st term Trump, not what they’re getting 45:30 Paul Auslander joins the Chuck ToddCast 47:00 Paul’s origin story 48:15 Financial planning was mostly done by insurance companies in 70’s 49:00 Northerners move to FL for taxes & weather, but FL is pushing it socially 51:30 Fiduciary responsibility is the line of demarcation in financial planning 52:30 Factoring the political climate into financial planning projections 54:00 European index doubled the performance of the S&P last year 55:00 Tax policy is generally the biggest concern for investors 57:30 A cut to social security payments is bound to happen 58:30 If you push retirement from 67 to 69 the SS fund becomes healthy 1:00:45 Social security privatization likely to happen in the future 1:02:45 Money to be made off bad Trump policies that are likely to go away? 1:03:45 Crypto became a special interest & bought support for pro crypto policy 1:05:30 Crypto is a revolution that predates Trump & will outlast him 1:07:00 Lesson to be learned from rise then collapse in price of silver? 1:08:00 Central banks are buying silver, gold and assets 1:09:30 How many people are hedging by moving money out of the U.S.? 1:10:15 Europe is spending big money on arms & infrastructure 1:11:30 Definition of a “Family Office” 1:14:00 Family office investments are increasingly popular & take the long view 1:15:30 Are the investors/wealthy worried the pitchforks are coming for them? 1:17:00 Economic anxiety driving a spike in gun sales 1:18:30 Pop culture portrays corporations & wealthy as the villains 1:20:00 Private equity has a lot of money on the sideline, looking for investments 1:23:00 The burden of insurance requirements on small business 1:25:30 Small & regional banks paying for the sins of Lehman Brothers 1:26:30 Companies stay private due to near unlimited private capital 1:27:15 Do young people like investing… or do they just like gambling? 1:28:15 Thoughts on prediction markets? 1:29:30 There’s a casino like approach to certain markets 1:30:45 If the house flips, you could see money get withdrawn from markets 1:32:00 How do Trump’s relationships with world leaders affect projections? 1:33:15 The bond market is more indicative of economic health than stock market 1:34:15 Uncertainty will impact earnings 1:34:45 Why are you feeling bullish on 2026? 1:37:00 AI is only in the 2nd inning. Disruption is coming 1:40:00 Thom Tillis sounds like a different man now that he’s retiring 1:41:00 Centrism seems like the best way to run the country 1:43:00 AI won’t be replacing financial advisors anytime soon 1:45:15 What’s one question you want every presidential candidate to answer? 1:45:45 Fed independence and rule of law are paramount 1:47:30 Chuck’s thoughts on interview with Paul Auslander 1:48:45 ToddCast Top senate seats most likely to flip in midterms 1:49:00 #1 North Carolina 1:50:45 #2 Maine 1:53:45 #3 Michigan 1:58:15 #4 Alaska 2:01:15 #5 Texas 2:06:30 Honorable mentions: South Dakota & Minnesota 2:11:30 Ask Chuck 2:11:45 Promoting tariffs & AI have to only be bad for Trump? 2:12:45 Can Republicans not endorsed by Trump win their primaries? 2:14:15 Will lifting pesticide bans cause MAHA voters to turn on Trump?See omnystudio.com/listener for privacy information.

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#692: Anonymous (02:01) is excited about early retirement and family time but worried about his brother-in-law, who just returned from a vacation in Mexico with a bold plan: sell everything, move there, and buy an Airbnb to live in one unit and rent out the others. He wants to support him without watching him get in over his head. How can he navigate this tricky mix of family loyalty and financial risk? Maryanne (33:41) is retired and living on Social Security. Her IRA has doubled in value in the past year and a half, leaving her unsure whether to sell and live off interest or reinvest in ETFs. How do you manage sudden growth in retirement savings responsibly without taking unnecessary risks? Brandon (48:18) has rolled over two old 401(k)s into IRAs but just learned that 401(k)s are generally better protected from lawsuits than IRAs. Now he's hesitant to roll over his latest 401(k) from his recent job. Is it ever worth keeping a 401(k) separate, or should all retirement accounts eventually be consolidated? *Note: Timestamps will vary on individual listening devices based on dynamic advertising segments. The provided timestamps are approximate and may be several minutes off due to changing ad lengths. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Today's episode connects two explosive fronts in the political fight: 1️⃣ President Donald Trump escalating what supporters describe as a full-scale war against Mexican cartels. 2️⃣ A brewing battle in Congress over voter rolls, Social Security numbers, and the SAVE Act. From border militarization and cartel extraditions… to allegations of voter fraud, automatic registration, and a stalled Senate bill — this is a deep dive into the power struggle shaping 2026 and beyond. ⚡ PRIMARY TALKING POINTS Trump's cartel crackdown framed as national security war Texas vs. federal government during the Joe Biden administration Warnings from Ken Paxton about cartel expansion Extradition of high-ranking members of the Sinaloa Cartel Courtroom fallout tied to the ATF gunwalking scandal The death of Brian Terry Claims surrounding Social Security issuance to noncitizens Automatic voter registration laws in multiple states Senate gridlock over the SAVE Act The role of Mitch McConnell in committee control Pressure on Senate leadership including John Thune and Lindsey Graham

Trusting God for our financial needs feels especially real when life gets tight. When savings shrink, markets fluctuate, or expenses rise faster than income, the pressure exposes what—or who—we truly rely on. Long before budgets, retirement accounts, or emergency funds existed, one man stood on a mountain believing God could provide in the most impossible circumstances. His story in Genesis 22 gives us one of the most powerful names of God in all of Scripture: “The Lord Will Provide.” And it offers a blueprint for faithful stewardship today. Provision Is Forged in Pressure Trusting God's provision rarely happens in comfort. It's forged in seasons when resources feel thin, and the future looks uncertain. Throughout Scripture, God's people learn His faithfulness not at banquets, but in deserts. Not in surplus, but in scarcity. Whether wandering in the wilderness, facing famine, or standing before overwhelming odds, they discover that provision isn't merely about resources—it's about relationship. God is not simply someone who provides. He is the Provider. But biblical faith isn't naïve optimism, nor is it passive resignation. Faith rests in God's character, moves forward in obedience, and trusts Him with the outcome. Abraham on the Mountain Genesis 22 is one of the clearest pictures of this kind of faith. God asks Abraham to offer Isaac, his son of promise. It's a shocking command, and we're meant to feel its weight. Isaac is the one through whom God promised to build a nation “as numerous as the stars.” Without Isaac, the covenant appears to collapse. Yet Abraham obeys. Before climbing the mountain, he tells his servants, “Stay here with the donkey; the boy and I will go over there and worship; then we will come back to you” (Genesis 22:5). Notice what he says: we will come back. The author of Hebrews explains Abraham's reasoning: “He considered that God was able even to raise him from the dead” (Hebrews 11:19). Abraham trusted that God's promise was more certain than the circumstances he could see. And when Abraham raised the knife, God intervened—not before the climb, not halfway up the mountain, but at the exact moment when obedience and trust met. A ram was provided in Isaac's place. It's there Abraham names the place: “The Lord will provide” (Genesis 22:14). What “The Lord Will Provide” Really Means To say God provides isn't to say He always provides in the way we expect. It means His character is generous, attentive, and faithful. He knows our needs before we ask. He meets them according to His wisdom—not our timeline. That shifts how we think about financial provision. Scripture commends diligence. “The hand of the diligent makes rich” (Proverbs 10:4). It warns against laziness. But diligence and provision are not the same thing. We work. God provides the harvest. Modern financial fear often comes from trying to secure every possible outcome. We want guarantees. We want certainty. We want control. But the great enemy of faith isn't need—it's self-reliance. When we believe we are our own providers, we shoulder a burden we were never designed to carry. The apostle Paul writes, “My God will supply every need of yours according to his riches in glory in Christ Jesus” (Philippians 4:19). Notice the scale and the source: According to His riches, not ours. Three Ways Trust Changes Our Stewardship When we truly believe God provides, three things begin to shift. 1. We Plan Without Panic Wisdom plans for the future. Scripture affirms preparation and foresight. But planning becomes idolatry when it tries to eliminate dependence. Trust allows us to budget, save, and invest without fear driving every decision. Our spreadsheets serve us—they don't rule us. 2. We Give Without Fear Generosity flows from security. If we believe God replenishes, we can release. Hudson Taylor famously said, “God's work done in God's way will never lack God's supply.” When God is our provider, generosity becomes an act of confidence, not recklessness. 3. We Endure Lean Seasons With Hope Scarcity is not wasted space in the life of faith. Lean seasons refine us. They remind us that our ultimate security rests not in accounts, assets, or accolades—but in the Lord who sees. Abraham learned something profound on that mountain—not just that God provides, but who God is. Provision in Scripture is relational. God provides so His people know Him more deeply and so the watching world sees His faithfulness. Faithful Stewardship Without Fear Trusting God's provision doesn't mean we stop budgeting, working, or stewarding wisely. It means we do those things without trying to control the narrative. Our responsibility is faithfulness. God's responsibility is provision. When life tightens and financial pressure mounts, Genesis 22 invites us to lift our eyes beyond the mountain in front of us and remember the name Abraham proclaimed: The Lord will provide. And He still does. On Today's Program, Rob Answers Listener Questions: How can I have a loving, respectful conversation with my parents—especially my dad—about whether they're truly ready for retirement and financially self-sufficient? Also, he started taking Social Security last year while still working. Should he reconsider delaying benefits, and what options does he have now? A nonprofit that owned a property has shut down, and I'd like to sell it and give the proceeds to a church. Are there special forms or steps I need to take to handle that transfer properly? I'm turning 60 and want to prepare wisely for retirement. I have a seven-figure balance across my 401(k) and investments. What should I focus on over the next several years—how much is enough, withdrawal planning, Social Security timing, and long-term care—so I won't become a burden on my kids? As I plan my estate, what does the Bible mean by leaving an inheritance to our children's children, and how should I think about what to leave my grandchildren? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Splitting Heirs: Giving Your Money and Things to Your Children Without Ruining Their Lives by Ron Blue with Jeremy White Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Jeremy Keil explains the 5 RMD (Required Minimum Distribution) mistakes in Retirement and how to avoid them. A retiree recently called for help. It was their first year taking Required Minimum Distributions. They had delayed their first RMD until April of the following year — which meant taking two distributions in one tax year. That part was allowed. In some cases, it can even be strategic. But when they called their IRA custodian and asked, “How much should I withhold for taxes?” they were given the default answer: 10% federal withholding. They assumed that must be right. It wasn't. They ended up short on taxes by more than $10,000 — and owed penalties on top of that. That situation wasn't caused by breaking a rule. It was caused by following the rule without a plan. And that's where most RMD mistakes begin. I recently wrote an article for Kiplinger magazine titled “5 RMD Mistakes That Could Cost You Big-Time: Even Seasoned Retirees Slip Up” and for this week's episode of the “Retire Today” podcast I decided to talk through each of these mistakes in detail. Mistake #1: Waiting Until Age 73 to Create a Plan Turning 73 is not a strategy. If you wait until the government forces your first RMD to think about it, you've already missed years of opportunity. The window between retirement and RMD age is often the most flexible tax-planning period of your life. In those years, you may have: Lower earned income No required withdrawals yet Control over when and how you take distributions That's prime territory for intentional tax planning. Once RMDs begin, you've lost some flexibility. In the KEEP step of the Retirement Master Plan, tax timing matters. RMDs don't happen in isolation. They interact with Social Security, pensions, and brokerage income. Planning ahead—sometimes a decade ahead—can dramatically change the long-term outcome. Mistake #2: Failing to Make Use of Qualified Charitable Distributions (QCDs) This one surprises me every year. RMDs currently begin at age 73 (moving to 75 for those born in 1960 or later). But Qualified Charitable Distributions still start at 70½. That means you can send money directly from your IRA to a charity before RMDs even begin. Why does that matter? Because a QCD: Reduces your IRA balance (lowering future RMDs) Keeps the distribution out of your taxable income May help limit Social Security taxation May help reduce Medicare premium surcharges Many retirees continue writing checks to charities from their checking account, hoping for a deduction. With today's larger standard deduction, many people don't itemize at all. Going directly from IRA to charity is often more tax-efficient—and sometimes dramatically so. If charitable giving is already part of your plan, the tax strategy should be part of it too. Mistake #3: Doing the Wrong Tax Withholding When retirees call their custodian to take their RMD, they're often asked: “How much would you like withheld for taxes?” The default federal withholding is often 10% for IRAs and 20% for 401(k)s. Many people assume, “That must be right.” It often isn't. I recently saw a retiree who delayed their first RMD until April of the following year—which meant taking two distributions in one year. They defaulted to 10% withholding. They ended up underpaying taxes by more than $10,000 and owed penalties. The custodian can't provide tax planning. That's not their role. Before taking an RMD, you need to project: What tax bracket you'll land in Whether additional withholding is necessary How this affects your overall estimated payments Again, this falls under the KEEP step. Don't let the default settings dictate your tax bill. Mistake #4: Not Realizing How Your RMD Income Affects the Rest of Your Tax Return RMDs don't just increase taxable income. They can: Make more of your Social Security taxable Push capital gains from 0% into taxable territory Trigger Medicare IRMAA surcharges Many retirees focus only on their marginal bracket. But the real issue is tax cost, not tax bracket. An extra $20,000 RMD might not just be taxed at 22%. It could cascade into additional taxation elsewhere. That's why projections matter. You don't want to discover these ripple effects after the fact. Mistake #5: Forgetting That the M in RMD means ‘Minimum,' not ‘Maximum' The M in RMD stands for minimum. It does not mean that's the only amount you're allowed to withdraw. You can: Withdraw more than your RMD Complete Roth conversions after satisfying the RMD Send more than your RMD amount to charity (subject to QCD limits) Sometimes taking more than the minimum makes sense—especially if it smooths taxes over multiple years. RMDs are a rule. They are not a retirement strategy. The Bigger Lesson RMDs are not just a government requirement. They are a planning opportunity—or a planning hazard. They affect your income plan (MAKE), your spending plan (SPEND), your tax strategy (KEEP), and even what you ultimately LEAVE behind. The biggest mistake isn't misunderstanding a rule. It's treating RMDs as an isolated event instead of part of a coordinated retirement master plan. Because in retirement, small tax decisions compound just like investment returns may do. And when handled intentionally, RMDs don't have to derail anything at all. Don't forget to leave a rating for the “Retire Today” podcast if you've been enjoying these episodes! Subscribe to Retire Today to get new episodes every Wednesday. Apple Podcasts: https://podcasts.apple.com/us/podcast/retire-today/id1488769337  Spotify Podcasts: https://bit.ly/RetireTodaySpotify About the Author: Jeremy Keil, CFP®, CFA is a retirement financial advisor with Keil Financial Partners, author of Retire Today: Create Your Retirement Income Plan in 5 Simple Steps, and host of the Retirement Today blog and podcast, as well as the Mr. Retirement YouTube channel. Jeremy is a contributor to Kiplinger and is frequently cited in publications like the Wall Street Journal and New York Times. Additional Links: – Buy Jeremy's book – Retire Today: Create Your Retirement Master Plan in 5 Simple Steps – “5 RMD Mistakes That Could Cost You Big-Time: Even Seasoned Retirees Slip Up” by Jeremy Keil, Kiplinger Magazine – https://www.kiplinger.com/retirement/required-minimum-distributions-rmds/rmd-mistakes-that-even-seasoned-retirees-can-make – Create Your Retirement Master Plan in 5 Simple Steps – 5StepRetirementPlan.com  Connect With Jeremy Keil: Keil Financial Partners LinkedIn: Jeremy Keil Facebook: Jeremy Keil LinkedIn: Keil Financial Partners YouTube: Mr. Retirement Book an Intro Call with Jeremy's Team Media Disclosures: Disclosures This media is provided for informational and educational purposes only and does not consider the investment objectives, financial situation, or particular needs of any consumer. Nothing in this program should be construed as investment, legal, or tax advice, nor as a recommendation to buy, sell, or hold any security or to adopt any investment strategy. The views and opinions expressed are those of the host and any guest, current as of the date of recording, and may change without notice as market, political or economic conditions evolve. All investments involve risk, including the possible loss of principal. Past performance is no guarantee of future results. Legal & Tax Disclosure Consumers should consult their own qualified attorney, CPA, or other professional advisor regarding their specific legal and tax situations. Advisor Disclosures Alongside, LLC, doing business as Keil Financial Partners, is an SEC-registered investment adviser. Registration does not imply a certain level of skill or expertise. Advisory services are delivered through the Alongside, LLC platform. Keil Financial Partners is independent, not owned or operated by Alongside, LLC. Additional information about Alongside, LLC – including its services, fees and any material conflicts of interest – can be found at https://adviserinfo.sec.gov/firm/summary/333587 or by requesting Form ADV Part 2A. The content of this media should not be reproduced or redistributed without the firm’s written consent. Any trademarks or service marks mentioned belong to their respective owners and are used for identification purposes only. Additional Important Disclosures

Most Americans Will Not Retire Comfortably, Here's the Fix With Nadine Watson

Prince Andrew's downfall has accelerated sharply in the wake of fresh allegations tied to Jeffrey Epstein and the explosive release of Virginia Giuffre's memoir, Nobody's Girl. The book recounts new details about Andrew's alleged sexual encounters with Giuffre while she was being trafficked as a minor by Epstein. These revelations reignited public outrage and renewed scrutiny over Andrew's long-denied relationship with both Epstein and Ghislaine Maxwell. Buckingham Palace has reportedly been forced into damage control, with King Charles III supporting Andrew's decision to give up his “Duke of York” title and remaining royal honors. The palace has publicly stated that the new allegations must be fully investigated, signaling growing institutional distance from Andrew as pressure mounts for full transparency and accountability.Adding to his disgrace, newly surfaced claims allege that Andrew attempted to orchestrate an online smear campaign against Giuffre to salvage his reputation. According to The Guardian's coverage of the memoir, the prince and his aides tried to hire internet trolls to harass Giuffre online and even sought access to her private information, including her Social Security number. Reports indicate that the Metropolitan Police have opened an inquiry into whether Andrew misused his royal security detail or other public resources during this smear campaign. Parliamentarians are also reportedly pushing to strip him of any remaining titles and privileges, as his reputation continues to collapse under the weight of new evidence and public disgust over his conduct.to contact me:bobbycapucci@protonmail.comsources:Prince Andrew tried to hire 'internet trolls' to 'hassle' his sex accuser Virginia Giuffre, her posthumous memoir reveals | Daily Mail OnlineBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-epstein-chronicles--5003294/support.

What if you’re closer to retirement than you think? In this episode, Damon Roberts and Matt Deaton share real stories of clients who discovered they were financially ready—despite years of stress and sleepless nights. They explain why so many adults save diligently yet fail to build an actual income plan, leaving them unsure about timing Social Security, using pensions, and navigating risky withdrawals. You’ll learn how to replace guesswork with clarity, reduce retirement anxiety, and understand the power of turning accumulation into dependable income. For more information or to schedule a consultation, call 480-680-6868 or visit www.successinthenewretirement.com! Follow us on social media: Facebook | LinkedInSee omnystudio.com/listener for privacy information.

A bigger Social Security check doesn’t always mean a better retirement. In this episode of Charleston’s Retirement Coach, Brandon Bowen breaks down a real‑world story of regret from waiting until age 70 to file for benefits. The conversation explores why Social Security timing is about more than monthly income, how break‑even math really works, and what people often overlook about health, quality of life, and opportunity cost. Brandon walks through how filing decisions interact with savings, debt, and retirement income planning as a whole. Like what you hear? Get a second opinion today: bowenwealth.com Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

How much do you really need to retire—and why do the headline numbers miss the mark? In this episode of Empower Your Retirement, Frank and Frankie Guida break down the real factors that shape retirement income needs, from spending habits and lifestyle changes to inflation and income sources like Social Security and pensions. The conversation walks through how to estimate retirement expenses, why one-size-fits-all numbers fall short, and how understanding cash flow and future costs can bring clarity to retirement planning. Schedule a complimentary appointment: A Better Way Financial CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops. Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.” Follow us on social media: Facebook | LinkedIn | YouTube See omnystudio.com/listener for privacy information.

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

Retirement isn’t always about stopping—it’s about redefining purpose. JoePat Roop explores why more people are choosing “unretirement,” continuing to work by choice rather than necessity. The episode weaves together Social Security planning, taxes, and the emotional shift that comes when work ends but life doesn’t slow down. It’s an honest look at how income, identity, and time intersect in the next chapter. For more information or to schedule a consultation call 704-946-7000 or visit BelmontUSA.com! Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Solving the Financial Planning Gaps for Child-Free Clients with Dr. Zay Zigmont, PhD, MBA, CFP® Kathleen and Amy speak with Dr. Jay Zigmont, PhD, CFP®, founder of Child Free Wealth and Child Free Trust, a fiduciary solution built specifically for the growing population of adults without children. Dr. Zigmont is on a mission to address what he calls the "fiduciary void" for the roughly 25% of U.S. adults who are child-free yet are still served by an industry that typically assumes every client has (or will have) kids. Jay shares his personal path from healthcare leadership and academia to financial planning, and what he discovered while earning his CFP®: the standard planning "life script" is baked into the education, tools, and assumptions of our profession. That insight led him to research child-free households, write books on the topic, and ultimately build a planning model aligned with child-free client goals—including a flat annual fee structure designed to eliminate conflicts that can arise when clients want to intentionally spend down assets. We discuss: Why traditional AUM pricing can clash with "Die With Zero" goals How Jay uses a "Die With Zero Safety Net" approach, including long-term care planning, delayed Social Security, and a lower Monte Carlo target paired with ongoing adjustments The estate planning reality for child-free adults—why many don't have documents in place, and how the system assumes a next-of-kin safety net How Child Free Trust works as a nationwide backstop for medical and financial decision-making (POA, executor, trustee), coordinated with care teams and 24/7 support Why long-term care planning is a fiduciary responsibility for every advisor—especially for solo agers—and how clients weigh self-insuring vs. standalone coverage This episode is a practical, thought-provoking look at how our planning process, tools, and business models may need to evolve to better serve a large (and growing) segment of clients—particularly those navigating retirement and aging without children. https://childfreewealth.com/ https://childfreetrust.com/ https://www.linkedin.com/in/jayzigmont/  

Send a textA 72-year-old engineer with $750,000 saved told me he couldn't afford $140 boots.He owns his home. Has a pension. Social Security. But he's been wearing 30-year-old work boots in his garden because new ones are "too rich for my blood."Sound familiar?If you've worked your whole life, saved diligently, and now feel guilty about actually spending any of it—this episode is for you.The biggest retirement mistake isn't overspending. It's under-LIVING.In this episode, we're talking about the one thing most retirees need but don't realize they need: permission.Permission to take that trip. Permission to help your kids. Permission to upgrade your life. Permission to say no to work.I'm not talking about reckless spending. I'm talking about giving yourself the freedom to enjoy the life you've worked decades to build—without guilt and without the fear of running out of money.IN THIS EPISODE YOU'LL DISCOVER:Why your parents' Depression-era mindset is still controlling your money decisions todayWhat the Bible actually says about enjoying your wealth (it might surprise you)The Parable of the Talents—and why it's NOT just about investingThe two practical tools you need to spend confidently: a budget and guardrailsHow that engineer finally gave himself permission—and what changed when he didEPISODE TIMESTAMPS:[00:00] The $140 Boots Story [02:15] Why You Can't Give Yourself Permission [03:30] The Generational Weight You're Carrying [06:00] What the Bible Says About Freedom [09:30] Permission to Enjoy (1 Timothy 6:17) [11:45] The Parable of the Buried Treasure [14:00] Wisdom vs. Recklessness [17:30] The Two Tools You Need [19:45] He Finally Bought the Boots [21:00] You Have PermissionFREE RESOURCES MENTIONED:

Wondering when to claim Social Security? This episode explores why early claiming can be smarter for some retirees, recent rule changes, spousal strategies, and how to align your decision with your unique financial goals. Learn more at https://www.meliagroup.com/social-security-analysis Melia Advisory Group City: Tulsa Address: 5424 S Memorial Dr Website: https://www.meliagroup.com/

Claiming Social Security at 62, 67, or 70 can permanently shape your retirement income. Discover how delayed retirement credits, spousal benefits, and personal factors like health and employment status influence the optimal claiming age for maximum lifetime benefits. For more, visit https://www.meliagroup.com/social-security-analysis Melia Advisory Group City: Tulsa Address: 5424 S Memorial Dr Website: https://www.meliagroup.com/

What if your biggest retirement risk isn’t the market—but the taxes you never planned for? On this episode, Steve Hoyl digs into how taxes, risk, and income planning collide in the final stretch before retirement. The conversation covers Roth strategies, market downturns, Social Security taxation, and why a 401(k) alone isn’t a plan. It’s a candid look at the psychology of retirement and how written strategies—income, tax, and risk—work together when life and markets change. Get Your Complimentary Retirement Analysis Social Media: Facebook | X See omnystudio.com/listener for privacy information.

Dr. Friday explains how the adoption tax credit can still help reduce taxes, even if it is not fully refundable. She notes it can carry forward up to five years and stresses having proper documentation and a Social Security number for the child. Transcript G’day, I’m Dr. Friday, president of Dr. Friday’s Tax and Financial Firm. To get more info, go to www.drfriday.com. This is a one-minute moment. Adoption tax credit is in play, and I always think it’s pretty awesome. My parents had eight children, so I don’t think adoption was ever on the table, but I have a number of clients that have adopted children. And there’s also a credit that you can get, and it can be carried forward up to five years. It may not all be refundable, in fact, very little is it now, but it is still something that can go towards paying your taxes. So if you have adopted a child, then you might want to think about making sure that you’ve gotten all the documentation and you must have a Social Security number for that child. Otherwise, we are not able to report them on the tax return. If you need help with taxes, check us out, drfriday.com. You can catch the Dr. Friday Call-in Show live every Saturday afternoon from 2 to 3 p.m. right here on 99.7 WTN.

A tax refund can be more than a windfall—it can become a turning point. On this episode Steve Anzuoni breaks down how recent tax law changes may impact retirees and near retirees, then explores smarter ways to put that money to work. The conversation covers legacy planning, retirement income versus account balances, and the real difference between retirement and financial freedom. Steve explains why having a pile of money isn’t the same as having a plan—and how clarity around income, taxes, and purpose can reshape what retirement actually looks like. SCHEDULE A MEETING OR PHONE CONSULTATION TODAY! Get a Copy of Steve's Book - Tee Up Your Retirement! Social Media: Facebook I LinkedIn I Instagram I YouTube See omnystudio.com/listener for privacy information.

Diving Deep on Social Security decisions with Marsha Mantell (part two) In this episode of Something More with Chris Boyd, Chris, and Jeff welcome back Social Security expert and author Marsha Mantell for a deep dive into reallife Social Security case studies. Drawing from her book Social Security: Lightly Toasted, Not Burned, Marsha shares relatable scenarios from single earners and hardworking bluecollar couples to divorced spouses, blended families, and widows navigating complex decisions. Together, they walk through how lifetime earnings, timing, marital history, and survivor benefits shape Social Security outcomes. With humor (yes, the Flintstones and Brady Bunch make an appearance) and practical insight, this episode highlights why assumptions about ages like 62, 65, 70, or even 70½ often miss the mark and why thoughtful planning matters. Whether you are approaching retirement or helping clients prepare, this conversation delivers clarity, strategy, and "something more" to help you make informed choices about your Social Security benefits. #SocialSecurity #RetirementPlanning #FinancialAdvice #CaseStudies #MarshaMantell #ChrisBoyd #WealthEnhancementGroup #RetirementStrategy #WidowBenefits #SpousalBenefits #FinancialPodcast #SomethingMoreWithChrisBoyd For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/advisor-teams/amr-team To buy Marcia Mantell's book, click the link below: https://www.barnesandnoble.com/w/social-security-lightly-toasted-not-burnt-marcia-macdonald- mantell/1148852467?ean=9798987424933  

After three strong years in the market, many investors are facing a new reality: gains feel fragile, and confidence isn’t guaranteed. On this episode Raj Shah and Rick Borek break down why risk tolerance often drops as retirement nears, how market rotation is changing what works, and why guaranteed income can be the backbone of a retirement plan. They also unpack the real difference between retirement and financial freedom, and why aligning your portfolio with who you are today matters more than chasing yesterday’s returns. For more information or to schedule a consultation with SC Wealth Advisors visit: scwealthadvisors.com Raj Shah and Rick Borek focus on wealth management, retirement planning, personal finance, taxes, estate planning and so much more. Combined, Raj and Rick have over 55 years of financial planning experience and are eager to help you retire in the most efficient manner.See omnystudio.com/listener for privacy information.

Live from Joe's mom's basement (complete with dog mugs, birthday roasting, and Doug polishing his trivia crown), the crew tackles a headline that caught plenty of attention. Suze Orman backing off her long held stance that everyone should work until age 70. Does that mean you shouldn't work longer? Not exactly. Joe Saul-Sehy, OG, Doug, and special guest Len Penzo break down the math behind working into your late 60s or beyond. More years to save, more compounding, fewer years drawing down assets. It's powerful stuff. But they also remind Stackers that work doesn't have to mean the same grind, and that retiring and claiming Social Security are two completely separate decisions. Len shares why he plans to delay Social Security until 70, walks through the break even math versus claiming at 62, and highlights the importance of survivor benefits for spouses. At the same time, the crew emphasizes that health, longevity expectations, and personal priorities can completely change the right answer. Suze's updated advice leans heavily on stress testing your retirement plan, and that's where the basement really digs in. What happens if inflation sticks around? If your side hustle disappears? If returns are lower than expected? The team argues that instead of chasing the perfect retirement date, you should solve for flexibility. Avoid analysis paralysis but don't skip the planning either. They also debate liquidity (hint: it doesn't mean stuffing your mattress with cash), share a cautionary tale about delayed IRA access, and remind listeners that logistics matter just as much as spreadsheets. In the TikTok Minute, a retiree reframes time as priceless instead of something to maximize. That sparks a thoughtful conversation about identity in retirement, the adjustment period after leaving work, and what makes life satisfying once the paycheck stops. Plus: A big community win as a fellow Stacker crosses the $1 million net worth milestone, stats on how common that really is, upcoming Stackers meetups, Doug's Gutenberg themed trivia, and unexpected retirement expenses involving squirrels and BarkBox. Because this is the basement, after all. What You'll Learn: • Why working longer can strengthen your retirement math and when it might not • The difference between retiring and claiming Social Security • How to think about Social Security timing, longevity, and survivor benefits • What it means to stress test your retirement plan • Why flexibility often beats perfect optimization • The real meaning of liquidity and why too much idle cash can hurt efficiency • How retirement success is often about time, not just money • Why identity shifts matter just as much as account balances The Big Takeaway: Retirement doesn't require working forever. But it does require a coordinated plan, one that brings together your assets, Social Security strategy, spending flexibility, and (most importantly) how you want to spend your time. Because in the end, money is renewable. Time isn't. This Episode Is For You If: • You've been told to work to 70 and aren't sure if that's right for you • You're trying to figure out when to claim Social Security • You want to stress test your retirement plan but don't know where to start • You're worried about the adjustment period after leaving work • You believe retirement planning is about more than just hitting a number Question for You: If you could retire tomorrow, what would you spend more time doing, and what would you happily leave behind? Share your thoughts in the Spotify comments or The Basement Facebook group. Your answer might inspire another Stacker who's quietly wondering the same thing. Learn more about your ad choices. Visit podcastchoices.com/adchoices

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New York City Mayor Zohran Mamdani faces a massive political backlash during the blizzard that has overtaken his city. In an ironic twist the socialist mayor doesn't require an ID to vote, but NYC citizens will need five forms of ID, including a Social Security number, to shovel snow. The Sekulow team discusses Mayor Mamdani's hypocritical ID requirements, the Trump Administration's efforts to enforce voter ID laws, the ACLJ's brief at the U.S. Supreme Court to preserve election integrity – and much more.

D&P Highlight: Is Social Security doomed? full 607 Mon, 23 Feb 2026 19:58:00 +0000 8gwGdHvjPtYlR5tBa3a7zmu7w6b2d6xD news The Dana & Parks Podcast news D&P Highlight: Is Social Security doomed? You wanted it... Now here it is! Listen to each hour of the Dana & Parks Show whenever and wherever you want! © 2025 Audacy, Inc. News False https://player.amperwavepodcasting.com?feed-link=ht

Ever wondered how the big players in financial services got to where they are? Matt and Micah dive deep into the secret behind Edward Jones' remarkable success story – and why independent advisors should be taking notes instead of throwing shade. They challenge the common "David vs. Goliath" mindset that often leads independent advisors to dismiss larger firms' achievements and reveal how Edward Jones' strategic playbook can be adapted for independent practice success. Listen in as they explore the often-overlooked truth about building a thriving advisory practice: it's not just about working harder but working smarter with intentionality. https://zurl.co/r6F3t

In today's episode of the RattlerGator Report, JB White battles technical chaos before diving into a wide-ranging and deeply personal show. He reflects on a pivotal weekend sparked by Joe Justice's entrepreneurial “chase your dreams” mindset, leading JB to reassess his own Tesla-based robo-taxi plans and a possible move to Orlando as full self-driving expansion looms. He explores Elon Musk's long-term vision of abundance driven by artificial general intelligence, wrestling with both the promise and spiritual implications of a post-scarcity world. JB also celebrates Team USA's electrifying hockey victory over Canada, calling it a defining American moment and praising the team's unapologetic patriotism. The episode then pivots to election integrity, analyzing DOJ efforts to obtain voter registration rolls, alleged Social Security cross-checks, and what he believes could become a national security showdown over 2020 interference and voter fraud. Blending AI disruption, geopolitical tension, sports pride, and constitutional stakes, this episode captures JB thinking out loud about the next two years—personally and nationally—as he declares, “It's time to get busy.”

Hello to you listening in Spokane, Washington! Coming to you from Whidbey Island, Washington this is Stories From Women Who Walk with 60 Seconds for Motivate Your Monday and your host, Diane Wyzga. Christopher Armitage writing The Existentialist Republic on Substack posted an article entitled Democrats Can Launch Criminal Investigations into DOGE, Today. According to Armitage dozens of state investigations have the power to bring criminal actions to hold Musk/DOGE accountable for pirating private Social Security Administration (SSA) data and releasing it to third parties. Click HERE to read the article and get ready to take steps to e-mail your County Prosecutor, Governor and Attorney General.     Following are three email templates you can use if you live in the Great State of Washington. For all other states, please check the Substack article comments to find yours. If you don't see your state, comment in the post to receive your state's relevant statutes and templates to email. Thank you for listening and taking action wherever your feet touch the ground! Email 1: To your Washington State County Prosecutor Dear, I'm writing to request that your office refer a matter to Attorney General Nick Brown for criminal investigation under RCW 43.10.232. In a January 16, 2026 court filing in AFSCME v. Social Security Administration (D. Md., No. 1:25-cv-00596), the U.S. Department of Justice admitted that employees of the Department of Government Efficiency, while embedded at the Social Security Administration, transferred agency data to an unauthorized third-party server called Cloudflare outside all SSA security protocols. The SSA has confirmed it cannot determine what data was shared or whether it still exists on that server. A DOGE team member also sent an encrypted file believed to contain the names and addresses of roughly 1,000 people to the Department of Homeland Security and DOGE leadership, and the SSA has been unable to access the file to verify its contents. The filing further revealed that a DOGE employee signed a "Voter Data Agreement" with a political advocacy group seeking to match Social Security records against state voter rolls to overturn election results in certain states. The SSA made two Hatch Act referrals to the Office of Special Counsel as a result. Separately, NPR has reported that DOGE engineer Aram Moghaddassi contacted the Florida governor's office about state voter data while working simultaneously at SSA and DHS, and that a DOGE associate publicly claimed to have matched SSA data against voter rolls at a political rally. SSA records include the personal information of Washington residents in [your county]. This conduct may constitute violations of Washington's identity theft statute (RCW 9.35.020) and the Washington Cybercrime Act (RCW 9A.90). Federal officials do not have blanket immunity from state criminal prosecution when they exceed the scope of their authorized duties. I'm asking you to refer this matter to Attorney General Brown so his Criminal Justice Division can investigate whether Washington residents were victims of state crimes. The AG's office has confirmed it needs a referral from a county prosecutor or the governor to act. You have the authority to open that door. Thank you for your time and your service to our community. Sincerely, [Your Name] [Your Address] Email 2: To the Washington State Governor Ferguson Dear Governor Ferguson, I'm writing to request that your office refer a matter to Attorney General Nick Brown for criminal investigation under RCW 43.10.232. In a January 16, 2026 court filing in AFSCME v. Social Security Administration (D. Md., No. 1:25-cv-00596), the U.S. Department of Justice admitted that employees of the Department of Government Efficiency, while embedded at the Social Security Administration, transferred agency data to an unauthorized third-party server called Cloudflare outside all SSA security protocols. The SSA has confirmed it cannot determine what data was shared or whether it still exists on that server. A DOGE team member also sent an encrypted file believed to contain the names and addresses of roughly 1,000 people to the Department of Homeland Security and DOGE leadership, and the SSA has been unable to access the file to verify its contents. The filing further revealed that a DOGE employee signed a "Voter Data Agreement" with a political advocacy group seeking to match Social Security records against state voter rolls to overturn election results in certain states. The SSA made two Hatch Act referrals to the Office of Special Counsel as a result. Separately, NPR has reported that a DOGE engineer contacted the Florida governor's office about state voter data while working simultaneously at SSA and DHS, and that a DOGE associate publicly claimed to have matched SSA data against voter rolls at a political rally. These actions may constitute violations of Washington's identity theft statute (RCW 9.35.020) and the Washington Cybercrime Act (RCW 9A.90). The personal information of millions of Washington residents is contained in SSA records. Federal officials do not have blanket immunity from state criminal prosecution when they exceed the scope of their authorized duties, and a state conviction cannot be erased by a presidential pardon. The Attorney General's office has confirmed it requires a referral from a county prosecutor or the governor to investigate and prosecute criminal matters. I'm asking you to make that referral so Attorney General Brown can determine whether Washington residents were victims of state crimes. Thank you for your leadership. Sincerely, [Your Name] [Your Address] Email 3: To the Washington State Attorney General's Office The Honorable Nick Brown, I understand that the Washington Attorney General's office requires a referral from a county prosecutor or the governor to investigate and prosecute criminal matters. Toward that end I've written to both my [insert your county's name]  County prosecutor [insert the prosecutor's name] and Governor Ferguson requesting that they make such a referral. Specifically, I've asked them to refer the matter of DOGE employees' handling of Social Security Administration data, as described in the January 2026 DOJ court filing and subsequent reporting, for investigation under Washington's identity theft statute (RCW 9.35.020) and the Washington Cybercrime Act (RCW 9A.90). I wanted your office to be aware that this request is coming, and I hope Attorney General Brown will be prepared to act when the referral arrives. Sincerely, [Your Name] [Your Address You're always welcome: "Come for the stories - Stay for the magic!" Speaking of magic, I hope you'll subscribe, share a 5-star rating and nice review on your social media or podcast channel of choice, bring your friends and rellies, and join us! You will have wonderful company as we continue to walk our lives together. Be sure to stop by my Quarter Moon Story Arts website, email me to arrange a no-obligation Discovery Call, and stay current with me as "Wyzga on Words" on Substack. Stories From Women Who Walk Production Team Podcaster: Diane F Wyzga & Quarter Moon Story Arts Music: Mer's Waltz from Crossing the Waters by Steve Schuch & Night Heron Music ALL content and image © 2019 to Present Quarter Moon Story Arts. All rights reserved.  If you found this podcast episode helpful, please consider sharing and attributing it to Diane Wyzga of Stories From Women Who Walk podcast with a link back to the original source.

For complete Medicare guidance, dial 580-308-0975 to speak with my trusted partner, Chapter, or go to https://askchapter.org/oconnor New York City is charging record taxes… yet it still can’t shovel snow without turning it into a paperwork parade. In this segment, we break down the bizarre “emergency snow shoveler” signup that demands passport-style photos, multiple IDs, and a Social Security card—more documentation to clear a sidewalk than to vote. Meanwhile, a stunning poll shows Democrats under 35 embracing “democratic socialism” at alarming rates. The SAVE Act debate just got exposed in the most absurd way possible. SHOP OUR MERCH: https://store.townhallmedia.com/ BUY A LARRY MUG: https://store.townhallmedia.com/products/larry-mug Watch LARRY with Larry O'Connor LIVE — Monday-Thursday at 12PM Eastern on YouTube, Facebook, & Rumble! Find LARRY with Larry O'Connor wherever you get your podcasts! SPOTIFY: https://open.spotify.com/show/7i8F7K4fqIDmqZSIHJNhMh?si=814ce2f8478944c0&nd=1&dlsi=e799ca22e81b456f APPLE: https://podcasts.apple.com/us/podcast/larry/id1730596733 Become a Townhall VIP Member today and use promo code LARRY for 50% off: https://townhall.com/subscribe?tpcc=poddescription https://townhall.com/ https://rumble.com/c/c-5769468 https://www.facebook.com/townhallcom/ https://www.instagram.com/townhallmedia/ https://twitter.com/townhallcomBecome a Townhall VIP member with promo code "LARRY": https://townhall.com/subscribeSee omnystudio.com/listener for privacy information.

Ep 216: Should You Really Take Social Security at 62? The Truth Behind the Numbers

In today's episode of The Alan Sanders Show, Alan dives into the "soft bigotry of low expectations", from Gavin Newsom's pandering in Georgia to white liberals dumping down speech and code-switching for minority audiences, backed by a 2018 Yale study. He contrasts this patronizing mindset with Trump's consistent, high-expectation approach. Plus, explosive hypocrisy in blue cities: NYC's Zohran Mamdani demands multiple forms of ID (including photos and Social Security card) to shovel snow during a blizzard, yet Democrats fiercely oppose voter ID laws. We also unpack ongoing tariff policies and their impact on America First economics. Plus, a gold medal win for USA Men's Hockey and the Left hates, once again, their display of patriotism and love of our country. Don't miss this unfiltered take on race, politics, and policy failures! Please take a moment to rate and review the show and then share the episode on social media. You can find me on Facebook, X, Instagram, GETTR, TRUTH Social, TikTok, YouTube and Rumble by searching for The Alan Sanders Show. And, consider becoming a sponsor of the show by visiting my Patreon page!

In this episode, Gregory Ricks is joined by Wes Blanchard, of WJ Blanchard Law, to discuss the process behind estate planning and the importance of having a will and trust to manage inheritance and avoid state-imposed defaults. Then Gregory talks about the importance of saving for retirement. For financial news talk radio, tune into "Winning at Life with Gregory Ricks" on Saturday Mornings on:WRNO-News Talk 99.5 FM New Orleans - 10 am - 12 pmWBUV-News Talk 104.9 FM Biloxi - 10 am - 12 pmORFor financial news talk ON DEMAND, tune into the Ask Gregory Podcast for more financial topics that may interest you! Visit: https://gregoryricks.com/podcast/Download the Winning at Life app to never miss a replay!Investment Advisory products and services made available through AE Wealth Management, LLC or registered investment advisor, insurance products are offered through the insurance business Gregory Ricks and Associates, Incorporated AE wealth management does not offer insurance products, the insurance products offered by Gregory Ricks and Associates incorporated are not subject to investment advisor requirements. Investing involves risk, including the potential loss of principal, any references to protection, safety or lifetime income generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying ability of the issuing Carrier. This radio show was intended for informational purposes only. It is not intended to be used as the sole basis for a financial decision, nor should it be construed as advice designed to meet the particular needs of an individual situation. Gregory Ricks and Associates is not permitted to offer and no statement made during the show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the US government or any governmental agency. The Information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Gregory Ricks and Associates. Please remember that converting an employer plan account to a Roth IRA is a taxable event. Increased taxable income from the Roth IRA conversion may have several consequences, including, but not limited to a need for additional tax withholding or estimated tax payments, the loss of certain tax deductions and credits and higher taxes on Social Security benefits and higher Medicare premiums. Be sure to consult with a qualified tax advisor before making any decisions regarding your IRA. Neither AE Wealth Management nor advisors providing investment advisory services through AE Wealth Management recommend or facilitate the buying or selling of cryptocurrencies. Third parties and guests of the show are not affiliated with nor do their opinions reflect those of Gregory Ricks and associates or AE wealth management. Ae Wealth Management provides services without regard to political affiliation. And the views of individual advisors are not necessarily the views of AE Wealth Management.

Market volatility, gold headlines, and Social Security timing are colliding—and retirees are feeling it. In this episode of The Retirement Key, pulled from this past weekend’s radio show, Abe Abich breaks down why income planning matters more than market predictions. The conversation covers diversification beyond stocks and bonds, building reliable retirement income, planning for longevity, and the real trade‑offs behind delaying Social Security. Through real‑world examples, Abe explains why retirement decisions must balance income, lifestyle, and risk—especially as people transition from saving to spending. Schedule your complimentary appointment today: TheRetirementKey.com Get a free copy of Abe’s book: The Retirement Mountain: The 7 Steps To A Long-Lasting Retirement Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Veronique de Rugy of the Mercatus Center explains how bipartisan spending on entitlement programs like Social Security and Medicare drives national debt, arguing that American consumers, not foreign nations, primarily bear the economic burden of tariffs. 141908 NYSE

1.Jeff Bliss reports a deadly avalanche in Lake Tahoe claimed nine lives due to dry uncompacted snow, severe storms are causing heavy snowfall at Donner Pass and flooding the Los Angeles River, while Las Vegas faces declining foot traffic and Los Angeles battles rampant copper wire theft. 12.Jeff Bliss covers California's upcoming gubernatorial jungle primary with Democrat Eric Swalwell and Republican Steve Hilton as early frontrunners, Spencer Pratt challenging Mayor Karen Bass in Los Angeles, and Governor Gavin Newsom positioning himself for a 2028 presidential run on an anti-Trump platform. 23.Gene Marks reports that despite a disappointing fourth-quarter GDP growth rate of 1.4 percent and sluggishness in shipping and chemical sectors, small businesses remain surprisingly resilient with optimism above average and continued hiring plans even as AI integration remains limited. 34.Gene Marks discusses the Supreme Court ruling the administration's April 2025 emergency tariffs unconstitutional, leaving billions in collected funds in limbo, though the administration will likely utilize the Trade Acts of 1962 and 1974 to continue imposing targeted tariffs without congressional approval. 45.Jim McTague reports Lancaster County reflects the national 1.4 percent GDP slowdown with flat retail, consumer price fatigue, and plummeting restaurant traffic due to rising costs and weight-loss drugs, while Washington DC lobbying and local health and construction sectors remain strong. 56.Lorenzo Fiori reports the Milan Winter Olympics are proceeding successfully amidst beautiful snow with rumors of a Donald Trump visit for the hockey finals, while extreme weather has caused dangerous Alpine avalanches and the tragic collapse of the historic Lover's Arch on the Adriatic coast. 67.Bob Zimmerman of Behind the Black reports NASA successfully completed a wet dress rehearsal for the Artemis IImission targeting a March 6th launch, while a NASA report classified Boeing's Starliner failure as a severe Type A emergency prompting tighter control as SpaceX competition thrives. 78.Bob Zimmerman reports Japanese private space startup ispace is struggling with severe engine development problems for its lunar landers, while archival images from New Horizons reveal Pluto's bizarre splotched surface and floating ice mountains, and a newly discovered dim galaxy hints at dark matter's vastness. 89.Sir Max Hastings details the daring glider assault to capture the Orne River bridge, where Major John Howard'stroops achieved total surprise, securing a vital link for British airborne and seaborne forces on D-Day itself. 910.Sir Max Hastings discusses General Montgomery's expanded vision for D-Day and the initial chaos of the airborne landings, noting that despite the shambles at Merville battery, paratroopers' bravery confused German defenders and secured the mission's early vital stages. 1011.Sir Max Hastings highlights Major General Richard Gale's calm leadership during the chaotic airborne drops, with success relying on British deception plans and Rommel's absence preventing early German counterattacks against the beaches on D-Day. 1112.Sir Max Hastings describes specialized armored funnies that supported British landings on Sword Beach, noting that while technically successful, heavy traffic and Montgomery's overly ambitious objectives prevented the Allies from capturing Caen on D-Day. 1213.Henry Sokolski of the Nonproliferation Policy Education Center critiques the inconsistency of threatening war against Iran over its nuclear program while simultaneously considering a deal to allow Saudi Arabia uranium enrichment capabilities under less stringent international oversight. 1314.Veronique de Rugy of the Mercatus Center explains how bipartisan spending on entitlement programs like Social Security and Medicare drives national debt, arguing that American consumers, not foreign nations, primarily bear the economic burden of tariffs. 1415.Professor Richard Epstein of the Hoover Institution analyzes constitutional limits of presidential authority to fire independent agency officials, discussing historical precedents like Humphrey's Executor and critiquing legal reasoning behind maintaining quasi-judicial independence within the executive branch. 1516.Professor Richard Epstein predicts the Supreme Court may strike down tariffs, arguing that trade deficits do not constitute legal emergencies, while also discussing the potential for the Court to preserve the Federal Reserve'sindependence from executive control. 16

Happy Saturday! Guest Dalton Glasscock, Wichita City Council, joins to discuss upcoming 1% Sales tax vote. Discussion of property tax relief, guardrails and plans for revenue, and more. Discussion of fire stations in community with lack of maintenance, homeless initiatives, and more.  Guest Kristey Williams, State Representative District 77, joins to discuss latest from legislative session. Discussion of veto override vote on bathroom bill and protecting girls and women in Kansas. Kansas continues to work on budget issues cutting spending, education issues, property tax, and more.  Guest Congressman Ron Estes, 4th District of Kansas, joins to discuss government partial shutdown, DHS funding, waste and fraud spending in DC, and cleaning up roles in Social Security office. 

It's … Indicators of the Week! Our weekly look at some of the most fascinating economic numbers from the news. On today's episode: Why you better hope you retire at juuuust the right time, why the researchers at the Federal Reserve are being scolded by a White House economic advisor, and taking boneless chicken to court. Related episodes: Chicken meat, Gulf of Mexico lawsuit and Social Security beyond the grave Davos drama, credit card caps and tariff truths What would it take to fix retirement? For sponsor-free episodes of The Indicator from Planet Money, subscribe to Planet Money+ via Apple Podcasts or at plus.npr.org. Fact-checking by Sierra Juarez and Corey Bridges. Music by Drop Electric. Find us: TikTok, Instagram, Facebook, Newsletter.  Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

In the final part of Episode 279 of Mike Drop, Mike Ritland and Congressman Dan Crenshaw wrap up their discussion. Crenshaw addresses federal spending, waste vs. fraud in entitlements like Social Security and Medicare, the unsustainable path of these programs, and why meaningful reform remains politically toxic. The conversation shifts to foreign policy—Ukraine aid, Israel support, deterring China over Taiwan, cartel threats, and U.S. involvement abroad—before touching on immigration enforcement, regrets, and reflections on public service. Learn more about your ad choices. Visit podcastchoices.com/adchoices