Podcasts about social security

Today - You know Clark loves competition, and there is more choice for you now in the home internet market. More providers are offering wireless internet.  Also, scams keep morphing and  proliferating. Clark discusses the patterns to recognize so you're able to protect yourself and others.   Home Internet For Less: Segment 1 Ask Clark: Segment 2 Scam Warnings: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Mint Mobile Introduces 5G Home Internet From $30/Month The Best Unlimited Hotspot Plans The Best Phone Plan For You - Compare Phone Plans 10 Ways To Save on Prescription Drugs Receive a letter from the Supreme Court? Think again, Social Security watchdog says Chinese Criminals Made More Than $1 Billion From Those Annoying Texts -WSJ DOJ seizes $15 billion in bitcoin from massive 'pig butchering' scam based in Cambodia Crypto ATM crime scene Medicare Advantage Warning: Read This Before You Auto-Renew Why Vacation Clubs Are Even Worse Than Timeshares Automatic Bill Pay: How It Works and How To Do It Safely Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

972. Laura reviews why delaying your retirement benefit could make your nest egg last longer.Find a transcript here. Have a money question? Send an email to money@quickanddirtytips.com or leave a voicemail at (302) 364-0308.Find Money Girl on Facebook and Twitter, or subscribe to the newsletter for more personal finance tips.Money Girl is a part of Quick and Dirty Tips.Links:https://www.quickanddirtytips.com/https://www.quickanddirtytips.com/money-girl-newsletterhttps://www.facebook.com/MoneyGirlQDT Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

What are entitlements? How did they come to be so entrenched in American politics and economics? Why is it that people say that Social Security is going to run out of money? What does this have to do with you? Jeff welcomes analyst Jim Capretta to discuss the origins of America's entitlement programs, how they […]

What are entitlements? How did they come to be so entrenched in American politics and economics? Why is it that people say that Social Security is going to run out of money? What does this have to do with you? Jeff welcomes analyst Jim Capretta to discuss the origins of America's entitlement programs, how they have evolved, and why we are reaching a point where something must be done to shore up programs that are no longer fiscally solvent.Read Jim's book on the subject: https://a.co/d/hn2gsDkHost: Jeff SikkengaExecutive Producer: Jeremy GyptonSubscribe: https://linktr.ee/theamericanidea

Tara dives into the mechanics of immigration and its impact on U.S. politics, revealing how certain populations are being brought to major cities, often unable or unwilling to assimilate, and the consequences for American elections. She examines the massive welfare system supporting these communities, illegal issuance of Social Security numbers, and the potential political influence of these populations. The episode also explores how cities like New York are becoming demographically and culturally distinct from the rest of the U.S., and the urgent steps conservatives must take to protect American governance, culture, and elections. *Understanding how immigration, welfare, and demographics are shaping America's political future.* Immigration, Welfare, Social Security fraud, Illegal immigrants, New York City, Demographics, Political strategy, Democrats, Republicans, UN, Biden administration, Trump administration, Shadow electorate, Communist influence, Urban policy, Government spending, Midterms, Homeland Security, Election integrity In this eye-opening episode, Tara explains how U.S. immigration policies and welfare programs have created a “shadow nation” that influences elections and urban politics. She highlights New York City as a case study, with one in five residents unable to speak English and nearly half born outside the U.S., living on extensive welfare programs funded by taxpayers. Tara details how billions in government spending, illegal Social Security issuance, and preferential immigration policies have created an electorate that favors socialist or communist candidates. She warns of the potential for cities to become culturally and politically disconnected from the rest of America, urging conservatives to take decisive action to restore lawful immigration, reduce welfare abuse, and protect American elections and governance.

Why do so many Christians want to give more—but feel like they can't?Most of us want to be generous, but there are often barriers—spiritual, financial, or even emotional—that hold us back. Today, Ron Blue joins us to unpack five key reasons why Christians don't give more, and how we can begin climbing toward greater generosity.Ron Blue is a financial teacher, author, and co-founder of Kingdom Advisors. He has helped countless Christians apply biblical wisdom to their finances and is best known for his bestselling book, Master Your Money: A Step-by-Step Plan for Financial Contentment.Five Barriers to Generosity—and How to Overcome ThemGenerosity is one of the greatest marks of spiritual maturity, yet many Christians find themselves wanting to give more but feeling unable to do so. Over the years, most believers face five primary barriers to generosity. These form a kind of “pyramid,” with each level building on the one below it. The journey toward greater giving begins with the heart and ends with intentional planning.1. Spiritual Condition: The Foundation of GenerosityBefore generosity ever shows up in our bank accounts, it begins in our hearts. When we grasp who God is, who we are, and the grace that has been extended to us, generosity naturally flows from that understanding.The more we understand God's ownership and our role as stewards, the more we want to give. Spiritual maturity is the foundation—without it, our giving will always feel like an obligation instead of an act of worship.2. Financial Health: Creating Margin to GiveEven when our hearts are in the right place, poor financial habits can make generosity difficult. Many believers simply can't give more because they're weighed down by debt, overspending, or disorganization.It often takes time—sometimes even years—to align our finances with our convictions. That might mean getting out of credit card debt, restructuring a business, or learning to live within our means. When we get our financial house in order, we create margin for generosity to flourish.3. Vision: Seeing Where God Is WorkingPeople don't give to spreadsheets or buildings—they give to vision. When we can picture the impact of our giving, we're motivated to invest more deeply.A clear vision fuels generosity. Ask yourself: Where has God stirred my heart? What Kingdom work do I feel most passionate about? When we see how our resources can change lives—whether feeding children, funding missions, or supporting local ministries—we begin to give with joy and purpose.4. Community: Encouragement from OthersGenerosity rarely happens in isolation. We need relationships that encourage us to live open-handedly. When we surround ourselves with generous people—friends who talk about giving, pray about giving, and celebrate giving—we're inspired to do the same.Scripture reminds us that we are to “spur one another on toward love and good deeds” (Hebrews 10:24). Community reminds us that generosity isn't just an individual act—it's part of how the body of Christ functions together.5. Planning: Giving with IntentionFinally, generosity grows through intentional planning. I've seen it over and over in my work as a financial planner: when people create a plan for their giving, their generosity increases dramatically—sometimes fivefold.A plan brings clarity and purpose. It helps you set a “finish line” for lifestyle and accumulation so you can redirect more toward eternal purposes. Without a plan, even well-intentioned believers often give sporadically or reactively. With one, generosity becomes a consistent and joyful part of life.Moving Toward Greater GenerosityThese five layers—spiritual condition, financial health, vision, community, and planning—build upon each other. Each represents a step toward living and giving as God intended.So, which one are you ready to work on today?The journey toward generosity isn't about guilt—it's about grace. As we align our hearts, habits, and plans with God's purposes, we discover the joy of giving that truly reflects His character.On Today's Program, Rob Answers Listener Questions:I'm considering a reverse mortgage and wondering—if I were to get one—whether my creditors could come after the proceeds.How can younger people today start building wealth? What are some practical strategies to grow financially—and how can we stay positive and motivated when so many in our generation don't seem to think that way?I run a small architecture business, but my income has been inconsistent over the past few years. My financial advisor suggested I take a salaried job to help pay down debt and stabilize our family's finances. If I do that, how should I communicate with a potential employer that I'd like to keep my business on the side—and is that even wise to do?I've been researching digital currencies and the broader move toward electronic money. With more people, including political figures, showing support for it—and with lower fees and more direct transactions—what's your take on where this is heading?My husband is 65 and retired, and I'm 56 and still working. I've heard that a spouse can collect half of the other's Social Security benefit once they reach a certain age. Is that true, and how does it work?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Open Hands FinanceWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind 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.

Roth conversions might help you save on taxes in retirement, but that doesn't mean you only need Roth IRAs... In this episode, I share why it's actually tax-efficient to have money in a Traditional IRA.

Is Your Portfolio Too AI-Heavy? and Does Social Security COLA Keep Up With Inflation? In this episode, Wes Moss shares startling JP Morgan research: just 41 AI-related stocks now account for nearly 50% of the S&P 500's weight, making the market severely overweight in a single theme. Wes offers actionable advice on how to rebalance your portfolio. Also, with the new COLA increase, Wes sets the record straight on Social Security, demonstrating that it has quietly been one of America's best inflation fighters since 1975. He examines the history of COLA adjustments and provides an honest assessment of the fear surrounding the Social Security trust fund running out, clarifying what that worst-case scenario truly means for current and future retirees. Mentioned on the show: Rule 72(t): Secret Rule To Access Your IRA Early Rule of 72 Calculator - Clark Howard Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the November 4, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes.  Let us know what you think in the comments! Learn more about Wes:  BOOKS BY WES MOSS   Wes Moss, CFP®  Wes Moss - Clark.com Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Those “3x by 40, 6x by 50, 10x by 67” charts feel official—until your life doesn't match the average. In this episode, James shows why age-based savings benchmarks miss the mark and replaces them with a simple, four-step method that fits you.First, get clear on spending in retirement (inflation-adjusted, lifestyle-aware). Then credit guaranteed income, like Social Security, pensions, annuities, part-time work, help to size the real gap. Applying a conservative withdrawal rate to turn that gap into a target portfolio, and back-solve to today with reasonable returns and annual contributions can help you find security. No fluff. Just a plan you can update every year.Real-life cases make it concrete: an early retiree whose “confident” multiple falls short, two teachers whose pensions shrink the target, and a late-career saver who unlocks home equity to close the gap.What you'll learn:Why age-based benchmarks exist—and where they can misleadHow timing (early retirement vs. later) changes the numberThe role of Social Security and pensions in lowering your targetWhen home equity or windfalls can bridge shortfallsThe four-step method: expenses → income → gap → portfolio mathUsing a withdrawal rate (e.g., 4%) to set a clear targetHow to back-solve to today's balance and savings planStress-testing returns, inflation, and timing choicesIf generic multiples leave you anxious or overconfident, this conversation trades guesswork for clarity. Translate goals into numbers, see which levers actually move the needle, and build a plan that funds a life you enjoy.-Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Strategy ⬇️ Get Started Here.Join the new Root Collective HERE!

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

Nick Hopwood, CFP and founder of Peak Wealth Management, joins Steve Gruber to help Americans in the retirement “red zone” plan with confidence. Hopwood explains why getting a second opinion on your Social Security strategy can make a huge difference, and offers guidance on consolidating accounts, understanding the difference between investment advisors and wealth managers, and preparing for the best six months of the year for investing. Visit PeakWM.com/GRUBER for a free social security strategy!

Join us for the official launch of Reimagining Social Security: Global Lessons for Retirement Policy Changes by Romina Boccia and Ivane Nachkebia, a timely and urgent new book in which the authors rethink how America can safeguard retirement security for current and future generations. As the Social Security program nears a fiscal tipping point, the authors bring together expert insights, international case studies, and actionable policy solutions to show how the United States can reform its retirement system without burdening younger generations with unsustainable debt and taxes.Now marking its 90th year, Social Security faces a critical moment: By 2033, the program's trust fund depletion could trigger automatic benefit cuts of 23 percent unless Congress acts. Reimagining Social Security dives into the root causes of this crisis and explores how reforms adopted in countries including Canada, Germany, Sweden, and New Zealand can offer valuable guidance for the United States. Through original interviews and novel analysis, the authors present a compelling case for bold reforms that take a meaningful step toward fiscal sustainability while safeguarding a vital source of income for many retirees and protecting workers from undue tax burdens that reduce their choices and opportunities for a better life.The event will feature presentations and panel discussions with leading experts in retirement and fiscal policy. Join us for a timely discussion on principled, evidence-based reforms to restore Social Security's fiscal sustainability and to protect future generations from mounting debt and economic decline—before it's too late. Hosted on Acast. See acast.com/privacy for more information.

Join us for the official launch of Reimagining Social Security: Global Lessons for Retirement Policy Changes by Romina Boccia and Ivane Nachkebia, a timely and urgent new book in which the authors rethink how America can safeguard retirement security for current and future generations. As the Social Security program nears a fiscal tipping point, the authors bring together expert insights, international case studies, and actionable policy solutions to show how the United States can reform its retirement system without burdening younger generations with unsustainable debt and taxes.Now marking its 90th year, Social Security faces a critical moment: By 2033, the program's trust fund depletion could trigger automatic benefit cuts of 23 percent unless Congress acts. Reimagining Social Security dives into the root causes of this crisis and explores how reforms adopted in countries including Canada, Germany, Sweden, and New Zealand can offer valuable guidance for the United States. Through original interviews and novel analysis, the authors present a compelling case for bold reforms that take a meaningful step toward fiscal sustainability while safeguarding a vital source of income for many retirees and protecting workers from undue tax burdens that reduce their choices and opportunities for a better life.The event will feature presentations and panel discussions with leading experts in retirement and fiscal policy. Join us for a timely discussion on principled, evidence-based reforms to restore Social Security's fiscal sustainability and to protect future generations from mounting debt and economic decline—before it's too late. Hosted on Acast. See acast.com/privacy for more information.

Join us for the official launch of Reimagining Social Security: Global Lessons for Retirement Policy Changes by Romina Boccia and Ivane Nachkebia, a timely and urgent new book in which the authors rethink how America can safeguard retirement security for current and future generations. As the Social Security program nears a fiscal tipping point, the authors bring together expert insights, international case studies, and actionable policy solutions to show how the United States can reform its retirement system without burdening younger generations with unsustainable debt and taxes.Now marking its 90th year, Social Security faces a critical moment: By 2033, the program's trust fund depletion could trigger automatic benefit cuts of 23 percent unless Congress acts. Reimagining Social Security dives into the root causes of this crisis and explores how reforms adopted in countries including Canada, Germany, Sweden, and New Zealand can offer valuable guidance for the United States. Through original interviews and novel analysis, the authors present a compelling case for bold reforms that take a meaningful step toward fiscal sustainability while safeguarding a vital source of income for many retirees and protecting workers from undue tax burdens that reduce their choices and opportunities for a better life.The event will feature presentations and panel discussions with leading experts in retirement and fiscal policy. Join us for a timely discussion on principled, evidence-based reforms to restore Social Security's fiscal sustainability and to protect future generations from mounting debt and economic decline—before it's too late. Hosted on Acast. See acast.com/privacy for more information.

Join us for the official launch of Reimagining Social Security: Global Lessons for Retirement Policy Changes by Romina Boccia and Ivane Nachkebia, a timely and urgent new book in which the authors rethink how America can safeguard retirement security for current and future generations. As the Social Security program nears a fiscal tipping point, the authors bring together expert insights, international case studies, and actionable policy solutions to show how the United States can reform its retirement system without burdening younger generations with unsustainable debt and taxes.Now marking its 90th year, Social Security faces a critical moment: By 2033, the program's trust fund depletion could trigger automatic benefit cuts of 23 percent unless Congress acts. Reimagining Social Security dives into the root causes of this crisis and explores how reforms adopted in countries including Canada, Germany, Sweden, and New Zealand can offer valuable guidance for the United States. Through original interviews and novel analysis, the authors present a compelling case for bold reforms that take a meaningful step toward fiscal sustainability while safeguarding a vital source of income for many retirees and protecting workers from undue tax burdens that reduce their choices and opportunities for a better life.The event will feature presentations and panel discussions with leading experts in retirement and fiscal policy. Join us for a timely discussion on principled, evidence-based reforms to restore Social Security's fiscal sustainability and to protect future generations from mounting debt and economic decline—before it's too late. Hosted on Acast. See acast.com/privacy for more information.

- Trump's heated 60 Minutes interview sparks debate over immigration, ICE raids, and crime in Washington, D.C. - Explosive discussion on the New York City mayoral race, accusing the frontrunner of communist ties and radical policies. - Elon Musk's claims that Democrats are using illegal immigration to reshape the electorate. - Kristi Noem's revelation about millions of illegals allegedly receiving Social Security numbers, raising national security fears. Today's podcast is sponsored by :   BEAM : Improve your sleep with all natural ingredients in powder form. Visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://ShopBeam.com/GERRY⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and use code GERRY for 40% off! Listen to Newsmax LIVE and see our entire podcast lineup at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://Newsmax.com/Listen⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Make the switch to NEWSMAX today! Get your 15 day free trial of NEWSMAX+ at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://NewsmaxPlus.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Looking for NEWSMAX caps, tees, mugs & more? Check out the Newsmax merchandise shop at : ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://nws.mx/shop⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Follow NEWSMAX on Social Media:  -Facebook: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://nws.mx/FB⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  -X/Twitter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://nws.mx/twitter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ -Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://nws.mx/IG⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ -YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://youtube.com/NewsmaxTV⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ -Rumble: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://rumble.com/c/NewsmaxTV⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ -TRUTH Social: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://truthsocial.com/@NEWSMAX⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ -GETTR: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://gettr.com/user/newsmax⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ -Threads: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://threads.net/@NEWSMAX⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  -Telegram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://t.me/newsmax⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  -BlueSky: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bsky.app/profile/newsmax.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ -Parler: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://app.parler.com/newsmax⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Once again, everyone is looking for a reason other than the cold hard truth. Social Security operates like a ponzi-scheme. Ponzi-schemes fall apart when withdrawals exceed collections. Since 2021, the payouts have exceeded collections. The worker-retiree ratio has fallen from 5:1 in the 1960 to 2.8:1 today, and is expected to be 2.3:1 in 2033. Life expectancy has increased, as well as the payouts per retiree.    The SS trust fund will be depleted by 2033. At that point with no changes in law, only 77% of benefits will be paid out, decreasing to 69% over time. This means to keep this terrible program running and paying out 100% of benefits, things will have to change. Either higher taxes, higher retirement age, or a new $500 billion in borrowing every year, and increasing every year.    Ideas like cutting out rich people or increasing the maximum threshold buy the program another 5-10 years.    We will not come to a sensible solution on SS until voters accept that the money you paid in is gone, but not because the Trust Fund was "raided;" and the shortfall is not because millions of illegals are collecting your social security.  

You've heard it a thousand times: "Wait until 70 to file for Social Security." But if that's such obvious advice, why do most retirees file earlier? In this episode, we uncover the hidden cost of waiting and the trade-offs most experts ignore. You'll learn how early withdrawals, taxes, and real-life emotions all change the math—and why the "right" answer isn't the same for everyone. Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms. 

Lionel breaks down the proper, foundational role of government—from police and military to Social Security and sanitation—while exposing why current "iterations of government" fail their citizens. We dive deep into operational failures, including the bureaucratic hoops of securing food stamps using the "magic word" ATC, and the reality of transportation where people ignore paying for "free buses". The stakes are high: when the government stops feeding people, desperation becomes the law and morality becomes optional. But these local issues are distractions. Lionel reveals the true existential threat: unchecked, self-improving Artificial Intelligence. While politicians debate head counts and smile for the camera, the "shadow government" is 5, 10, or 15 years ahead, allowing AI to grow into a ubiquitous, cult-like force capable of overriding human control, plotting harm, and potentially defusing our own defense systems. Find out why AI—not free food or ideological wars—is what truly keeps Lionel up at night. Learn more about your ad choices. Visit megaphone.fm/adchoices

Ever wonder what questions other federal employees are asking as they plan for retirement? In this special episode, we're taking you inside our recent in-person workshop, where we spent the day with federal employees diving deep into their benefits, tax planning, and retirement strategies. From understanding the 2026 TSP Roth conversion changes to life insurance math, Social Security surprises, and estate planning traps, this episode highlights the honest discussions and insights that came from the classroom. Join the Plan Your Federal Retirement team as we share key highlights and lessons from our recent in-person workshop with federal employees. In this episode, we cover: How to prepare for higher future tax rates and build tax diversification The 2026 TSP Roth conversion opportunity and what it means for your retirement When life insurance makes sense (and when it doesn't) Why checking your beneficiary designations matters more than you think Common estate planning mistakes federal retirees should avoid Surprising updates on Social Security spousal benefits If you missed the class, this episode gives you the next best thing - real questions, real answers, and fundamental strategies to help you plan your federal retirement with confidence. Tune in to hear what your peers are asking, and maybe the answers you've been looking for, too! https://zurl.co/G5A2u

Thank you to everyone who tuned into my live video! Join me for my next live video in the app.Show notes and transcript up tomorrow, 11/3.#AutisticAF Out Loud Newsletter is a reader-supported publication. Click to receive new posts… free. To support my work, please consider a paid subscription.Notes, sources, and further readingnot comprehensive or complete, but where I startedInternational Law: Starvation as War CrimeSupporting Sources:* Rome Statute of the International Criminal Court, Article 8(2)(b)(xxv): Case Matrix Network documenting “Intentionally using starvation of civilians as a method of warfare” as war crime casematrixnetwork​* D'Alessandra, Federica and Matthew Gillett. “The war crime of starvation in non-international armed conflict.” Oxford Blavatnik School of Government Working Paper BSG-WP-2019-031 (November 2019) bsg.ox​Counter/Nuance Source:* Lieber Institute West Point. “The War Crime of Starvation – The Irony of Grasping at Low Hanging Fruit” (September 2024): Notes starvation crime requires armed conflict context and specific intent elements; discusses challenges of prosecution lieber.westpoint​SNAP Shutdown & November 2025 Funding CrisisSupporting Sources:* CBS News. “SNAP funding is set to lapse Nov. 1, leaving recipients empty-handed” (October 30, 2025): USDA memo states “the well has run dry” and “At this time, there will be no benefits issued November 01”; 42 million Americans affected cbsnews+1​* NBC News. “Government shutdown effects bear down on millions more people after a crucial Nov. 1 deadline passes” (November 1, 2025): Despite judge's ruling, Trump administration indicated November SNAP payments likely delayed nbcnews​Counter/Nuance Source:* NBC News. “Federal judge orders Trump administration to pay SNAP benefits out of contingency fund” (October 31, 2025): Rhode Island Judge McConnell and Massachusetts Judge Talwani ruled USDA must use $5.25B contingency fund; creates uncertainty about timing rather than total cutoff nbcnews​Government Shutdown Timeline & StatusSupporting Sources:* Wikipedia. “2025 United States federal government shutdown” (updated November 2025): Documents shutdown began 12:01 AM EDT October 1, 2025; became second-longest (22 days) on October 22; resulted from partisan disagreements over spending, foreign aid, and ACA health subsidies wikipedia​* CBS News. “The 2025 U.S government shutdown, by the numbers” (October 30, 2025): Senate has voted 13 times on House-passed continuing resolution; all failed to reach 60-vote threshold needed to overcome filibuster cbsnews​Counter/Nuance Source:* NPR. “The federal government is still shut down. Here's what that means across the country” (October 30, 2025): Notes Republicans blame Democrats for voting against funding 14 times; Democrats counter that GOP refuses to address expiring ACA tax credits affecting 24 million Americans npr​USDA Refusal to Use Emergency FundsSupporting Sources:* Texas Tribune. “The federal shutdown will halt November SNAP benefits” (October 28, 2025): USDA Secretary Brooke Rollins stated October 27 via USDA website that no November 2025 SNAP benefits would be issued; agency memo says “contingency funds are not legally available to cover regular benefits” texastribune​* USA Today. “Government shutdown live updates” (November 2, 2025): Documents that USDA claimed $5.25 billion contingency fund reserved for disasters, not regular benefits; judges ordered use anyway usatoday​Counter/Nuance Source:* Fortune. “Judges order Trump administration to use emergency reserves for SNAP payments during the shutdown” (October 31, 2025): Federal courts rejected USDA legal interpretation; Massachusetts Judge Talwani ruled government “obligated to deploy contingency funds as necessary” fortune​Social Security & Trump WarningsSupporting Sources:* Newsweek. “Social Security, Medicare are ‘going to be gone,' Donald Trump warns” (October 21, 2025): Reports Trump statement during shutdown linking Democratic opposition to potential program loss newsweek​* Duke University Government Relations. “Fall 2025 Government Shutdown Updates” (October 31, 2025): Notes “Social Security ‘could vanish,' Trump warns” among shutdown impacts; documents 31-day shutdown status governmentrelations.duke​Counter/Nuance Source:* American Progress. “The Trump Administration's Plans To Covertly Cut Social Security Disability Benefits” (October 2025): Distinguishes between shutdown rhetoric and separate regulatory changes to tighten disability eligibility criteria americanprogress​Autism Employment & Benefit DependencySupporting Sources:* Autism Society. “Employment Statistics” (October 2025): Reports up to 85% of autistic adults with college degrees unemployed or underemployed; notes 40% lower earnings than peers with other disabilities autismsociety​* Kids Club ABA. “Autism Unemployment Rate” (May 2025): Cites National Autism Indicators Report showing 14-16% full-time employment among autistic adults kidsclubaba​Counter/Nuance Source:* Reddit r/autism. “PSA: The ‘85% autism unemployment rate' isn't accurate” (July 2024): Statistical critique noting figure conflates unemployment, underemployment, and labor force non-participation; argues if 85% of autistic adults were unemployed, they'd represent 94% of all unemployed at 4% national rate reddit​“Useless Eaters” & Eugenic RhetoricSupporting Sources:* Mostert, Mark P. “Useless Eaters: Disability as Genocidal Marker in Nazi Germany.” Documents Binding & Hoche 1920 tract; eugenic progression from efficiency language to T-4 program catholicculture+2​* NIH/PMC. “Confronting the Legacy of Eugenics and Ableism” (December 2023): Shows Industrial Revolution capitalist productivity models reframed disability as state cost pmc.ncbi.nlm.nih​Counter/Nuance Source:* Migration journal. “Reconsidering the history of eugenics and discrimination” (December 2024): Notes eugenic ideas were “deeply intertwined” with race, gender, class and disability—varied significantly across national contexts academic.oup​Boomerang Effect & Internal ColonialismSupporting Sources:* Wikipedia. “Imperial boomerang”: Documents Césaire's “terrific boomerang” thesis from Discourse on Colonialism (1950); Foucault's “Society Must Be Defended” lecture (1976) on colonial tactics returning home wikipedia​* Osun Global Commons. “Césaire's Boomerang Effect on the Streets of Berlin” (March 2023): Analyzes how European bourgeoisie “tolerated Nazism before it was inflicted on them” because it targeted non-Europeans first osunglobalcommons​Counter/Nuance Source:* Reality Studies. “The Department of War on American Cities, Ukraine, Gaza, and the Imperial Boomerang” (September 2025): Cautions against deterministic causation in linking colonial and domestic tactics realitystudies​Britain: Colonial Policing to Domestic ControlSupporting Sources:* Wikipedia. “Aliens Act 1905”: Documents how British emergency powers and crowd-control from Ireland informed domestic legislation wikipedia​* Human Rights Watch. “This Alien Legacy: The Origins of ‘Sodomy' Laws in British Colonialism” (December 2008): Shows British colonial legal mechanisms later echoed in domestic law hrw​Counter/Nuance Source:* Past & Present. “Aliens in a Revolutionary World” (April 2022): Notes British Alien Act 1793 “fell into disuse” post-Napoleonic Wars, complicating narrative of automatic domestic adoption academic.oup​France/Algeria: Torture Techniques to ParisSupporting Sources:* World Socialist Web Site. “Maurice Papon and the October 1961 massacre of Paris” (October 2021): Documents Papon's 1956-58 Algeria torture role, then as Paris police chief applied “same methods” in 1961 massacre wsws​* BBC. “How a massacre of Algerians in Paris was covered up” (October 2021): Confirms Papon supervised “repression and torture” in Algeria 1956; police records show he directed 1961 Paris massacre tactics bbc​Counter/Nuance Source:* LA Review of Books. “How to Forget a Massacre” (October 2019): Emphasizes Papon's individual agency empowered by de Gaulle rather than systemic inevitability; many police refused participation lareviewofbooks​U.S. Philippines to Domestic Militarized PolicingSupporting Sources:* The Diplomat. “How America's Wars in Asia Militarized the Police at Home” (June 2020): Documents Philippine Constabulary (1901) as hybrid military-police; veterans imported counterinsurgency techniques to U.S. law enforcement thediplomat​* Brown University Costs of War. “How the United States' Post-9/11 Wars Helped Militarize U.S. Police” (September 2020): Traces “colonial and anti-Black roots” through Philippines to 1033 program watson.brown​Counter/Nuance Source:* Jacobin. “Policing Empire” (September 2014): Argues policing-empire link involves domestic political contestation each era, not automatic transfer jacobin​Ottoman Empire: Genocides & StarvationSupporting Sources:* USHMM Holocaust Encyclopedia. “The Armenian Genocide (1915-16): In Depth” (August 2023): Documents centralized CUP deportation orders as “death warrant”; forced marches caused starvation, dehydration, exposure deaths encyclopedia.ushmm​* Genocide Education Project. “Brief History” (February 2016): Estimates 1.5M Armenians killed, 2M+ Christians total including Greeks and Assyrians genocideeducation​Counter/Nuance Source:* University of South Florida Genocide Studies. “The Ottoman Genocide of the Assyrians”: Notes genocides were “culmination of series of policies”; emphasizes WWI context and CUP nationalist ideology as distinct causal streams digitalcommons.usf​Black Radical Thought & Internal ColonialismSupporting Sources:* Gilderle hrman Institute. “Both Black and Disabled: Intersectional Experiences” (June 2022): Traces eugenic scientific racism; notes Black disabled Americans as “internal colonies” subject to extraction and surveillance gilderlehrman​* NIH/PMC. “Past Is Prologue: Dismantling Colonial Legacies to Advance Black Health” (December 2023): Argues chattel slavery was “expansive colonial project”; mass incarceration ongoing colonial project pmc.ncbi.nlm.nih​Counter/Nuance Source:* University of Miami. “The Forgotten Activists: Black People in the Disability Rights Movement” (January 2022): Notes disability movement historically “comprised of White people”; cautions against conflating marginalization without attending to specific mechanisms repository.law.miami​Food Insecurity & Violence (Structural Violence Frame)Supporting Sources:* NIH/PMC. “Association of Food Insecurity With Multiple Forms of Interpersonal Violence” (April 2023): 19 of 20 studies show food insecurity associated with increased violence; General Strain Theory supports food insecurity as stressor pmc.ncbi.nlm.nih​* Human Organization. “University Student Food Insecurity as a Form of Structural Violence” (May 2023): Uses structural violence framework for institutional food insecurity harm meridian.allenpress​Counter/Nuance Source:* CSIS. “Dangerously Hungry: The Link between Food Insecurity and Conflict” (April 2023): Notes agricultural abundance can also drive conflict; food-conflict link is “complex” https://open.substack.com/live-stream/74795?utm_source=live-stream-scheduled-upsellcsis​ This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit johnnyprofaneknapp.substack.com/subscribe

Scott Walter, author of Arabella: The Dark Money Network of Leftist Billionaires Secretly Transforming America, joins the show to expose the opaque funding networks reshaping U.S. policy — plus a new report revealing billions flowing into the “homeless industrial complex.” We'll also dig into recent SNAP data requests, Social Security number concerns, the federal government shutdown politics, and international religious persecution. Tough questions, clear answers, and what it means for taxpayers. https://www.dailysignal.com/2025/10/23/report-homeless-industrial-complex-demonizes-policies-most-likely-actually-help-homeless/ https://capitalresearch.org/app/uploads/Infiltrated-Report-1.pdf https://a.co/d/2vdRbOa Join Me On Telegram https://t.me/theambermayshow Podcast Like A PRO https://podcast-like-a-pro.trainercentralsite.com Promocode Amber Discord https://discord.gg/kUsDba4zRj https://discord.com/channels/1331829063400034435/1331829063869792308 The Amber May Show Theme Song https://suno.com/song/87e27080-4ddb-47f7-8722-b00b251e6c84 Get AMAZING Amber May Merchandise https://www.ambermayshow.com/amazing-products Follow Me on Pickax https://pickax.com/?referralCode=gb4e11n&refSource=copy GLP-1 LifeRX https://liferxmd.everflowclient.io/affiliate/signup/?p=2DGZN931 Get all your My Pillow Products at a DISCOUNT www.mypillow.com/amber Use Promo Code AMBER and save up to 66% off Promo code-AMBER 800-957-2123 Get Ivermectin and hydroxychloroquine and SAVE Dr Stella Immanuel https://shop.drstellamd.com/?linkId=lp_080983&sourceId=amber-may&tenantId=rehoboth-medical-cli Use Promo Code AmberMay and save Become An Affiliate with Dr Stella https://rehoboth-medical-cli.trackdesk.com/sign-up?referralAccountId=1f8c94aa-933e-4aa8-ac5b-5a8d9a0d4508 Save Money When Using A Patient Advocate In The Medical System https://www.graithcare.com/?ref=Amber Take Control of Your Health & Healing! Get the full celebration of solutions that happened at Healing For The A.G.E.S. Over 20 hours of ground-breaking, life-changing, information you've never heard before, and can't get anywhere else! https://healingfortheages.com/ use promocode Amber Patriot Mobile- Free Activation When you become a Patriot Mobile member, your dollars are helping to fund our God-given right to freedom. A portion of every dollar we earn is given back to the causes that support organizations that fight for First Amendment Religious Freedom, Freedom of Speech, Second Amendment Right to Bear Arms, Sanctity of Life, and the needs of our Veterans and First Responders. https://www.patriotmobile.com/amber/ Use Promocode AMBER The Flynn Movie https://www.flynnmovie.com/ref/azladyz/ War On Truth Movie You've been told that J6 was a violent insurrection against the United States by a group of angry, fringe, MAGA supporters… What if it wasn't? What if there really was a War on Truth? https://hisglory.tv/?ref=448 Promocode MAY Patrick Byrne, the founder/CEO of Overstock.com, rose to the height of financial success and was once heralded as a Wall Street prophet. However, in 2019, Byrne seemingly slipped into madness — stepping down from his multi-billion dollar company, claiming to be a covert government asset trapped in a deadly game of political espionage https://enemywithindocuseries.com/ref/amber Promocode AMBER Is it possible with Turbo Cancers on the rise and Big Pharma's reputation at zero, that Americans are finally ready to hear the truth about Cancer? Are you ready? In the 70's a Doctor working for a National Cancer Institute discovered that Apricot seeds, which contain B-17, actually slowed the growth of tumors. https://rncstore.com/ambermay Ensure the health of the indoor air quality in your home investing in good air purifiers to eliminate pollutants and allergens. Find adjunctive therapies to cancer and better health with red light and methylene blue found in the link below! https://airwaterhealing.com/#May Promocode May Supermassive Black Coffee Use Promocode AMBER https://www.supermassiveblackcoffee.com/ The Commander's Artist Save 10% Promo Code Amber https://thecommandersartist.com/shop/ My Gold Guy https://www.mygoldguy.com/amber Hero's Soap Save 10% with Promo Code AmberMay We Are on These Platforms Rumble https://rumble.com/c/TheAmberMayShow Faith N Freedom Network https://faithnfreedom.tv/ Odysee https://odysee.com/@azladyz:c Locals https://theambermayshow.locals.com https://yournews.com/author/amber-may/ Bitchute https://www.bitchute.com/search/?query=azladyz&kind=video Podbean: http://theambermayshow.podbean.com Catch Amber May On UG Media Fridays 10PM (UK Time) 3pm MST/5pm EST https://theug.media/wp-content/ugplayer/xlplayer.html Catch Amber May on Express Radio Station Thursday at 6pm MST/8pm EST https://live365.com/station/Express-Radio-a643 The Vera Radio Network today at 7pm ET www.mikevara.com https://www.mastiff.media/ www.Patriot-Radio.com

Send us a textLicensed social worker and certified financial social worker Bas Moreno joins John to unpack the real-life money pressures of the sandwich generation—caring for kids and aging parents—while building toward financial freedom. Bas shares how loss, single income stretches, and debt shaped his mindset, why he now teaches life insurance, estate planning, and Social Security survivor benefits as non-negotiables, and how to “play the game without losing your integrity.” We also hit on credit rebuilding, first-gen homeownership, starting a business, and the power of networking to create opportunities. Stick around for Bas's rapid-fire on legacy, integrity, and the #1 first step to your walk to wealth: start.Guest: Bas Moreno, LMSW, CFSW — Certified Financial Social Worker; host of The Social Work Rants Podcast; author of Trying Through Pain. His work centers people of color navigating caregiving, mental health, and money.Highlights: defining wealth as time with family and residual income, not hustle for hustle's sake; discovering survivor benefits for his kids after tragedy and using life insurance to cover costs; rebuilding credit post-divorce and diving into financial literacy circa 2020; pivoting into financial social work and normalizing conversations about wills, trusts, and avoiding GoFundMe funerals.Connect with Bas: IG/Threads @BasMorenoConsulting; Social Work Rants Podcast on YouTube & all platforms; book Trying Through Pain on Amazon/Spotify/Libro.fm; site: BasMorenoConsulting.net (in progress).Disclaimer: Educational only; not financial advice.Support the showHOW TO SUPPORT THE WALK 2 WEALTH PODCAST: 1. Subscribe, Rate, & Review us on Apple Podcasts, Spotify, YouTube, or your favorite podcast platform. 2. Share Episodes with your family, friends, and co-workers.3. Whether you're just starting your business or your business is established, ChatGPT can help you take your business to the next level. Get Instant Access To My List of Top 10 ChatGPT Prompts To Save You Time, Energy, & Money: HTTPS://WWW.STOPANDSTARE.MEDIA/AI

Social Security Reform and Means Testing Guest: Veronique de Rugy Veronique de Rugy discusses the looming Social Security funding deadline around 2033, after which benefits face an automatic cut exceeding twenty percent if Congress fails to act decisively. She warns that perpetually borrowing to cover the shortfall represents the worst policy option, potentially leading to massive debt accumulation and inflation. De Rugy proposes means testing benefits as the fairest reform approach, arguing that Social Security currently transfers money from the relatively young and poor to the relatively old and wealthy, justifying progressive benefit reductions without raising taxes or disrupting the system for those most dependent on it.

SHOW 10-31-25 CBS EYE ON THE WORLD WITH JOHN BATCHELOR THE SHOW BEGINS IN THE DOUBTS ABOUT NUKES, FIRST HOUR 9-915 Vegas Pricing, California Politics, and Fire Negligence Guest: Jeff Bliss Jeff Bliss reports on Las Vegas, where MGM CEO Bill Hornbuckle admitted that high pricing strategies—including $12 coffee and $26 bottled water—were driving tourists away and causing massive revenue losses. In California, the $1.5 billion state capital refurbishment project was shrouded in secrecy, with granite quarried in California being sent to Italy for stonework to avoid high labor costs and state safety regulations. Additionally, a lawsuit alleges that LA Fire Department negligence in handling the initial Palisades fire led directly to the massive conflagration that destroyed the neighborhood. 915-930 Social Security Reform and Means Testing Guest: Veronique de Rugy Veronique de Rugy discusses the looming Social Security funding deadline around 2033, after which benefits face an automatic cut exceeding twenty percent if Congress fails to act decisively. She warns that perpetually borrowing to cover the shortfall represents the worst policy option, potentially leading to massive debt accumulation and inflation. De Rugy proposes means testing benefits as the fairest reform approach, arguing that Social Security currently transfers money from the relatively young and poor to the relatively old and wealthy, justifying progressive benefit reductions without raising taxes or disrupting the system for those most dependent on it. 930-945 Economic Indicators and AI in Business Guest: Gene Marks Gene Marks shared mixed economic indicators across the United States: slow activity in Las Vegas and struggling farm equipment manufacturers offset by busy utility distribution contractors benefiting from infrastructure spending programs. His main focus centered on artificial intelligence, advising businesses to integrate AI assistants like Grok or Claude to boost workplace productivity substantially. Marks cautioned that reliance on cloud infrastructure, highlighted by the recent AWS outage, combined with concerns about data privacy and security necessitate accepting calculated risks for potentially high rewards. 945-1000 Economic Indicators and AI in Business Guest: Gene Marks Gene Marks shared mixed economic indicators across the United States: slow activity in Las Vegas and struggling farm equipment manufacturers offset by busy utility distribution contractors benefiting from infrastructure spending programs. His main focus centered on artificial intelligence, advising businesses to integrate AI assistants like Grok or Claude to boost workplace productivity substantially. Marks cautioned that reliance on cloud infrastructure, highlighted by the recent AWS outage, combined with concerns about data privacy and security necessitate accepting calculated risks for potentially high rewards. SECOND HOUR 10-1015 Local Economies: Unexpected Closures and Steady Growth Guest: Jim McTague Jim McTague reports on unusual economic fault lines in Lancaster County, Pennsylvania, where a manufacturer and two restaurant chains closed due to slow business, though a major economic collapse is not imminent. Travel remained busy, and RV manufacturing appears undiminished despite economic headwinds. In Indiana, business was steady and resilient. McTague highlighted the entrepreneurial success of a Hobart, Indiana, family who transformed a one-hundred-acre apple farm into a major tourist attraction, generating significant revenue through simple, family-friendly activities and demonstrating creative economic adaptation. 1015-1030 Canadian National Unity and Alberta's Grievances Guest: Conrad Black Conrad Black reports on a debate between former Prime Ministers Jean Chrétien and Stephen Harper regarding Canadian national unity, focusing on Alberta's profound discontent. Resource-rich Alberta feels unfairly treated and prevented from profiting from oil and gas development due to federal opposition to pipeline construction. Harper warned of serious national problems if the new government, led by Prime Minister Mark Carney, remains inflexible on energy policy. Black notes that while Canada's political institutions are durable, flexibility is required to maintain unity and coherence across diverse regions. 1030-1045 Executive Power and Constitutional Constraints Guest: Professor Richard Epstein Professor Richard Epstein analyzes an executive order creating a five-hundred-person National Guard rapid response force per state for civil disturbances. He argues this improperly expands presidential power, usurping Congress's Article I authority over the militia. Epstein views this as an authoritarian extension of unitary executive theory that violates constitutional federalism. He also notes that pursuing alleged narco-terrorists in Venezuela without a Congressional Authorization for the Use of Military Force is legally tenuous, as drug running constitutes a crime rather than an act of war, making military action constitutionally questionable. 1045-1100 Executive Power and Constitutional Constraints Guest: Professor Richard Epstein Professor Richard Epstein analyzes an executive order creating a five-hundred-person National Guard rapid response force per state for civil disturbances. He argues this improperly expands presidential power, usurping Congress's Article I authority over the militia. Epstein views this as an authoritarian extension of unitary executive theory that violates constitutional federalism. He also notes that pursuing alleged narco-terrorists in Venezuela without a Congressional Authorization for the Use of Military Force is legally tenuous, as drug running constitutes a crime rather than an act of war, making military action constitutionally questionable. THIRD HOUR 1100-1115 Augustine the African: Life, Conversion, and Conflict Guest: Professor Catherine Conybeare Professor Catherine Conybeare discusses Augustine the African, born in Tagaste in North Africa, who spoke Latin but was not fluent in Punic. Augustine moved to Milan, where his Christian mother, Monica, orchestrated an advantageous marriage, forcing him to cruelly separate from his partner of fourteen years and their son. After converting to Christianity and returning to Africa, he was forcibly ordained in Hippo. Augustine employed his rhetorical training, influenced by Cicero, to combat Donatism, a distinctively North African church movement that challenged orthodox Christian authority. 1115-1130 Augustine the African: Life, Conversion, and Conflict Guest: Professor Catherine Conybeare Professor Catherine Conybeare discusses Augustine the African, born in Tagaste in North Africa, who spoke Latin but was not fluent in Punic. Augustine moved to Milan, where his Christian mother, Monica, orchestrated an advantageous marriage, forcing him to cruelly separate from his partner of fourteen years and their son. After converting to Christianity and returning to Africa, he was forcibly ordained in Hippo. Augustine employed his rhetorical training, influenced by Cicero, to combat Donatism, a distinctively North African church movement that challenged orthodox Christian authority. 1130-1145 Augustine the African: Life, Conversion, and Conflict Guest: Professor Catherine Conybeare Professor Catherine Conybeare discusses Augustine the African, born in Tagaste in North Africa, who spoke Latin but was not fluent in Punic. Augustine moved to Milan, where his Christian mother, Monica, orchestrated an advantageous marriage, forcing him to cruelly separate from his partner of fourteen years and their son. After converting to Christianity and returning to Africa, he was forcibly ordained in Hippo. Augustine employed his rhetorical training, influenced by Cicero, to combat Donatism, a distinctively North African church movement that challenged orthodox Christian authority. 1145-1200 Augustine the African: Life, Conversion, and Conflict Guest: Professor Catherine Conybeare Professor Catherine Conybeare discusses Augustine the African, born in Tagaste in North Africa, who spoke Latin but was not fluent in Punic. Augustine moved to Milan, where his Christian mother, Monica, orchestrated an advantageous marriage, forcing him to cruelly separate from his partner of fourteen years and their son. After converting to Christianity and returning to Africa, he was forcibly ordained in Hippo. Augustine employed his rhetorical training, influenced by Cicero, to combat Donatism, a distinctively North African church movement that challenged orthodox Christian authority. FOURTH HOUR 12-1215 Nuclear Testing and Proliferation Concerns Guest: Henry Sokolski Henry Sokolski discusses President Trump's comments on resuming nuclear testing, suggesting Trump may favor a full yield test, last conducted in 1992, over current subcritical testing protocols. The United States maintains a formal moratorium on explosive nuclear testing. Sokolski also addresses proliferation risks associated with the United States potentially helping South Korea build nuclear-powered submarines and enabling South Korea to manufacture its own nuclear fuel. Such action would place Korea weeks away from building nuclear weapons, a development likely to provoke a strong response from Japan and destabilize the region. 1215-1230 Nuclear Testing and Proliferation Concerns Guest: Henry Sokolski Henry Sokolski discusses President Trump's comments on resuming nuclear testing, suggesting Trump may favor a full yield test, last conducted in 1992, over current subcritical testing protocols. The United States maintains a formal moratorium on explosive nuclear testing. Sokolski also addresses proliferation risks associated with the United States potentially helping South Korea build nuclear-powered submarines and enabling South Korea to manufacture its own nuclear fuel. Such action would place Korea weeks away from building nuclear weapons, a development likely to provoke a strong response from Japan and destabilize the region. 1230-1245 Space Race and Private Industry Guest: Bob Zimmerman Bob Zimmerman discusses how SpaceX's privately funded Starship program is positioned to beat NASA, China, and Russia in establishing a lunar base, operating independently of the struggling Artemis program. China and Blue Origin are deemed significantly behind in their lunar efforts. Zimmerman also covers other segments including A Space Mobile competing with Starlink, semiconductor manufacturing in space, the X59 project becoming obsolete due to private innovation, and accessible Martian ice at a potential Starship landing site. The convergence of private sector capabilities and reduced government constraints suggests a fundamental shift in space exploration dynamics. 1245-100 AM Space Race and Private Industry Guest: Bob Zimmerman Bob Zimmerman discusses how SpaceX's privately funded Starship program is positioned to beat NASA, China, and Russia in establishing a lunar base, operating independently of the struggling Artemis program. China and Blue Origin are deemed significantly behind in their lunar efforts. Zimmerman also covers other segments including A Space Mobile competing with Starlink, semiconductor manufacturing in space, the X59 project becoming obsolete due to private innovation, and accessible Martian ice at a potential Starship landing site. The convergence of private sector capabilities and reduced government constraints suggests a fundamental shift in space exploration dynamics.

Jim and Chris discuss listener questions on Social Security COLA timing, spousal claiming strategy, IRMAA tax treatment, Roth IRA rollovers from 529 plans, and a listener PSA on deferred annuity RMD rules. (8:00) Georgette asks whether her initial Social Security benefit—approved in September for a December start—will reflect the January COLA increase. (15:30) A listener […] The post Social Security, IRMAA Taxation, 529 Rollover, Deferred Annuities: Q&A #2544 appeared first on The Retirement and IRA Show.

Join Matthew Allgeyer and Kyle Jones as they dive into the crucial issues shaping your retirement. In this episode of Your Retirement Highway, our hosts discuss a key retirement topic, sharing expert advice, actionable strategies, and experiences that matter. From taxes and Social Security to long-term care and market volatility, they cover what you need to know to chart your retirement course with clarity and confidence.

Send us a textEveryone's talking about Medicare premium increases for 2026. But there are 7 OTHER changes buried in the fine print that could cost you just as much - and almost nobody knows about them. 

PREVIEW: Social Security Reform: Capping Benefits for the Wealthiest Guest: Veronique De Rugy Veronique De Rugy discusses the looming Social Security deadline set for 2033, when the program faces a funding shortfall, and potential campaign responses during the 2028 election cycle. De Rugy proposes a reform method she believes can be easily sold to the American people without raising taxes or causing inflation. Her specific proposal invites all Americans, from wealthy to poor, to share in solving the problem by capping benefits for those with the most money and the least need for the program. By capping benefits for the wealthiest seniors, the biggest beneficiaries would see the largest reductions, while those who truly need the program would see no cuts. She notes that today's seniors are generally doing much better financially than when the program was originally created. 1936

With healthcare premiums expected to spike and enhanced ACA subsidies set to expire, millions of Americans may be facing a serious coverage crunch. In this timely episode of Your Money Map, Jean Chatzky is joined by retirement experts Marcia Mantell and Jae Oh to break down what's really happening with the ACA, Medicare, and employer-sponsored insurance, and how you can protect your wallet. We dig into: How the government shutdown could impact Affordable Care Act subsidies The true cost of healthcare in 2026 Why open enrollment this year will be more complex than ever How to budget for Medicare premiums and unexpected expenses Strategies for using guaranteed income (like Social Security or annuities) to cover rising healthcare costs Tips to avoid scams, navigate robocalls, and make smart insurance choices The power of Health Savings Accounts (HSAs) and high-deductible plans

Don answers a range of listener questions covering topics from Fidelity's fully paid lending program to the Roth 401(k) decision and mortgage payoff strategies. He explains why stock lending rarely adds much value for ETF investors, why paying off a 2.6 percent mortgage makes little financial sense, and why even Berkshire Hathaway isn't a substitute for true diversification. Listeners also learn about HSA payroll tax savings and how to build Roth flexibility without triggering the pro-rata rule. 0:04 Friday Q&A intro and listener invitation 1:25 Fidelity's fully paid lending program explained—small returns, limited upside 3:47 When stock lending might make sense for rare or hard-to-borrow shares 4:33 Mortgage payoff debate—2.6% rate vs. 7% investing return 5:30 Don confirms: investing wins, emotion aside 7:09 Caller argues for Berkshire Hathaway B as the “perfect” one-stock portfolio 9:14 Don dismantles the myth—Buffett's own warnings, risk concentration 11:23 401(k) vs. Roth 401(k)—how to decide and why a plan matters 14:04 Backdoor Roth options for self-employed spouses 15:32 Importance of long-term planning once portfolios near $1 million 15:56 HSA payroll advantage—no Social Security tax on contributions 17:11 Using a Roth to store “extra mortgage” money until retirement 18:08 Why paying off a low-rate mortgage later may not make sense 19:37 Free fiduciary portfolio checkup offer from Apella Wealth Learn more about your ad choices. Visit megaphone.fm/adchoices

From 2019–2021, coverage consistently depicted Prince Andrew and his team pushing hard to undermine Virginia Giuffre's credibility rather than engage with her claims on the merits. In late-2019, after Giuffre's BBC Panorama interview, palace messaging and friendly coverage stressed doubts about the photo and Andrew's “no recollection” line; by 2021, reporting showed aides and lawyers probing angles to attack her reliability—including a planned “false memories” argument and efforts to question her psychologist and husband as the civil case geared up.Subsequent document leaks (reported in 2025 but describing actions around the 2011 photo publication) sharpened what those 2019–2021 stories were circling: emails suggesting Andrew claimed Giuffre had a U.S. criminal record and that he'd provided her date of birth and Social Security number to a Met protection officer—moves now being “actively looked into” by London police. These reports, alongside the 2011 “we are in this together” email to Epstein surfaced by UK outlets, retroactively frame the 2019–2021 period as part of a longer-running scramble to dig up dirt and discredit Giuffre.to contact me:bobbycapucci@protonmail.com

Send us fan responses! If every document you flash is a key, which door are you unlocking: private control or public custody? We dive into the uncomfortable idea that “everything is taxes,” exploring how identity, status, and registration route you into the venues that decide your fate. From the first minutes, we challenge the reflex to treat IDs, car titles, and Social Security numbers as neutral tools. Each one announces a capacity, and that capacity carries tax consequences, venue selection, and limits on your options when conflict hits.We break down the practical difference between legal title and equitable title and why probate becomes the tollbooth for assets acquired in the public lane. You'll hear a roadmap for moving more private: structuring family and trust records, choosing identity proofs that align with your intended jurisdiction, and creating the paperwork that demonstrates control because you created it. We unpack how groups like Amish communities rely on baptismal records and family bibles, and we extend that logic to tribal forums, religious courts, and private associations that keep their own membership cards and governance. If you want a jury of your peers, first define “peers” with credible, consistent records.Language is a compass, so we pause on terms like attorney, creator, and redemption to show how commerce encodes power into paperwork. If “United States business” is the capacity you adopt when you claim certain statuses, then registration can feel like clocking in as state property. The pivot is simple: decide your status with intent, align your daily tools to that choice, and build continuity your heirs can rely on. This is a candid, no-sugarcoat guide to status, title, and tax positioning, aimed at listeners who want to protect wealth, avoid preventable court entanglements, and pass assets without friction.Ready to rethink your paperwork and reclaim control? Follow the show, share this episode with someone leveling up, and leave a review with the one change you'll implement this week.https://donkilam.com https://open.spotify.com/track/5QOUWyNahqcWvQ4WQAvwjj?autoplay=trueSupport the showhttps://donkilam.com

Inflation eats into purchasing power—especially once pay raises stop. In this episode, Ken and Jeremy cover practical, level-headed ways retirees can plan for inflation without hype: from choosing where to keep cash, to timing Social Security, budgeting with intention, and setting the right mix of stocks versus safer assets.We keep it simple, educational, and actionable so you can feel more confident about your retirement plan. If you'd like a personalized review or a second opinion, connect with our team at Retirement Planners of America.If this helped, please Like, Subscribe, and Share with a friend who's planning to retire.RPOA Advisors, Inc. (d/b/a Retirement Planners of America) (“RPOA”) is an SEC-registered investment adviser. Registration as an investment adviser is not an endorsement by securities regulators and does not imply that RPOA has attained a certain level of skill or training.This podcast has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for, personalized investment, financial, tax, or legal advice. RPOA does not provide tax or legal advice. You should consult your own tax and legal advisors before engaging in any transaction or strategy.Opinions expressed are those of RPOA as of the date of publication and are subject to change. Investing involves risks, including possible loss of principal. Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss. Past performance is no guarantee of future results.

Social Security checks are getting a 2.8% cost-of-living adjustment in 2026 — but don't get too excited. That's only about $56 more per month for the average retiree. The problem? Healthcare costs are climbing faster than inflation, and Medicare premiums are expected to jump 11.6%, eating away nearly half of that “raise.” In this week's Fastest Four Minutes in Finance, Scott Inman explains why your Social Security increase won't go as far as you think — and what you can do to keep your retirement income ahead of rising costs. Why COLA increases aren't keeping up with real expenses How Medicare and inflation erode your buying power Smart strategies to protect and grow your income in retirement

On this final vacation Ask Suze & KT Anything episode, KT asks Suze your questions about changes to Social Security, paying off a mortgage, and crypto. Plus, a “Can I Afford It?” question and so much more. Watch Suze’s YouTube Channel Jumpstart financial wellness for your employees: https://bit.ly/SecureSave Protect your financial future with the Must Have Docs: https://bit.ly/3Vq1V3GGet your savings going with Alliant Credit Union: https://bit.ly/3rg0YioGet Suze’s special offers for podcast listeners at suzeorman.com/offerJoin Suze’s Women & Money Community for FREE and ASK SUZE your questions which may just end up on the podcast. Download the app by following one of these links: CLICK HERE FOR APPLE: https://apple.co/2KcAHbH CLICK HERE FOR GOOGLE PLAY: https://bit.ly/3curfMISee omnystudio.com/listener for privacy information.

In this special guest host episode, Brian Tegtmeyer from Truly Prosper Financial  Planning talks about how to address and plan for the non-financial aspects of retirement such as intellectual engagement, purposeful activities, health and fitness, relationships and more. And he also shares a quick exercise to do to see how you can measure your satisfaction in these various areas, and how to help intentionally address the ones you feel need improvementLinks in this episode:Truly Prosper Financials Planning's website - https://trulyprosperfp.com/Brian's first time on the Retirement Planning Education podcast - #085 – Retirement planner chat, with Brian Tegtmeyer from Truly Prosper Financial PlanningBrian's second time on the Retirement Planning Education podcast - #150 - "Hot topics" edition...Andy and Brian Tegtmeyer talk about retiring in a down market, concerns about Social Security, making estimated tax payments and MORE!Tenon Financial monthly e-newsletter - Retirement Planning InsightsFacebook group - Retirement Planning Education (formerly Taxes in Retirement)YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)Retirement Planning Education website - www.RetirementPlanningEducation.comTo send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.com

A headline on a recent news article caught my eye, for it declared, “Americans Disagree on Everything.”I said to myself: “I disagree with that!”Indeed, the untold story of today's America is the good news that We the People fundamentally agree on more than what supposedly separates us. It is true that our daily media feed does relentlessly push political negativity and discord, and it's true that hyper-partisan politicians grab attention by hammering their narrow views into swords of hatred. But that's them, not the greater us.Even hot-button issues which dominate the Internet and talk-shows are actually not all that divisive for the majority of us. For example, nearly 90 percent of Americans (including two-thirds of Republicans) oppose the right-wing attempt to whitewash our nation's history by restricting teachers, museums etc. from addressing such realities as slavery.More significantly, consider the real needs of ordinary workaday families. Basics like living wages, protecting Social Security, busting-up monopolies, cleaning up pollution, providing affordable housing, funding our parks and libraries, stopping price gouging. Overwhelmingly, Americans in red, blue, and purple areas agree on what government ought to be doing – and disagrees with what it is doing. But the plutocratic moneyed elites that now fund and perpetuate Americas corrupt and dysfunctional government profit by promoting hatreds to pit us against each other, praying that all of us don't focus on them.Don't succumb to their self-serving lies, but seek ways to unite in what we Americans do agree on – specifically our historic commitment to the democratic values of economic fairness, social justice, and equal treatment for all. Anything less is BS.Jim Hightower's Lowdown is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit jimhightower.substack.com/subscribe

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

If you've been enjoying The Independent Advisors podcast for a while now and want to take the next step in your financial journey, I'd encourage you to head to our website, jessupwealthmanagement.com (https://www.jessupwealthmanagement.com/) . Matt offers a 15-minute initial call where you can discuss your financial goals and see if JWM is a good fit for your needs.Scheduling is easy—once you land at jessupwealthmanagement.com (https://www.jessupwealthmanagement.com/) just click “Schedule Initial Call” and select a time that works best for you!There's a quick survey to fill out that will help guide the conversation and ensure your time is used efficiently.If you're ready to learn more, visit jessupwealthmanagement.com (https://www.jessupwealthmanagement.com/) and book your call today!Take advantage of our partnership with LifeLock and get discounts using our link:https://lifelock.norton.com/offers?expid=LLONEYEAR&promocode= JSPW24&VENDORID= _JESSUPWM&om_ext_cid=ext_partner_ JSPW24_Productpage $)Show Notes:Neil Sethi's note from Citadel's Rubnerhttps://x.com/neilksethi/status/1982421954809520252S&P Strength Before a Rate Cut?Source: X Post from Ryan Detrick on 10/29/25https://x.com/RyanDetrick/status/1983534425653625333Delinquencies IncreasingSource: X Post from Mike Zaccardi on 10/29/25, Research from Goldman Sachshttps://x.com/MikeZaccardi/status/1983533436464927167Update on the Housing MarketSource: Research from Charlie Bilello on 10/29/25https://bilello.blog/2025/the-week-in-charts-10-29-25?Changes to Social Security in 2026 By: Donna Levalley on 10/27/2025https://www.kiplinger.com/retirement/social-security/changes-coming-to-social-security-in-2026#324 Topics:·      Small caps' rise to double digits after lengthy underperformance·      Fed Rate Cuts and Market Sentiment·      NASDAQ and AI Momentum Outlook·      Credit Delinquencies and Consumer Segments· Highlighting the strongest home buyer's market in the U.S., sellers outnumbering buyers by 130%·      Social Security Updates for 2026

In this episode, President and Senior Financial Planner Paul L. Moffat and co-host Director of Financial Planning Jordan Naffa discuss the major updates to Social Security and Medicare introduced under the One Big Beautiful Bill. These changes impact retirement planning, healthcare costs, and benefit timing for millions of Americans approaching or already in retirement.Paul and Jordan break down how the gradual increase in full retirement age, enhanced delayed retirement credits, and Medicare coverage expansions create both challenges and new planning opportunities. They also explain how these adjustments fit into a broader retirement income strategy that includes tax efficiency and healthcare coordination.In this episode: ● Gradual rise in full retirement age to 68 for those born after 1970 ● Increased delayed retirement credits for those waiting until age 70 ● Higher earnings limits before Social Security benefit reductions apply ● Cost-of-living adjustments now tied to a more accurate “Senior CPI” ● Medicare premium caps and new coverage for dental, vision, and hearing care ● Prescription drug cost cap and long-term care pilot program ● Strategies for optimizing benefit timing, coverage choices, and tax-efficient incomeIf you have any questions, call the Arista Wealth Management office located in Las Vegas, NV at 702-309-9970Connect with Arista Wealth:Website: https://www.aristawealth.comEmail: support@aristawealth.comCall our office: 702-309-9970The opinions expressed in this podcast are for general purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security. It is only intended to provide education about the financial industry. It is not intended to provide tax or legal advice. To determine which investments may be appropriate for you, consult your financial advisor prior to investing. Any past performance discussed during this program is no guarantee of future results. Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital: please seek advice from a licensed professional.Arista Wealth Management is a registered investment adviser. Advisory services are only offered to clients or prospective clients where our firm and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Arista Wealth Management unless a client service agreement is in place.

In this episode, Filipe Portugal, Partner at Canary, sits down with Freddy Juez, founder and CEO of Karta — a fintech building U.S. credit cards for Latin Americans, without the need for a Social Security number or U.S. credit history. While Karta is still in its early days, the company is already showing strong signs of product-market fit and rapid growth, fueled by a product-obsessed mindset, user-first experience, and a unique go-to-market strategy powered by partnerships and community. Originally from Ecuador, Freddy is building a truly global business from day one: a U.S.-based company purpose-built for Brazilians and Latin American users.It’s a rare cross-border model — one that combines bold ambition with significant operational complexity. In our conversation, we explore how Karta is navigating those challenges, why customer experience is its ultimate moat, and how Freddy’s team is leveraging stablecoins, WhatsApp, and AI to unlock new efficiencies in cross-border payments and credit access. We also dive into Freddy’s founder journey — from early ventures in lending to the pivot that led to Karta — and how staying close to customers has been the foundation for everything from product development to growth.Whether you’re a founder, fintech operator, or product-minded builder, or just curious about what it takes to create financial products and infrastructure for a new generation, this episode is packed with insights on how to ship quickly, iterate fast, and build trust in one of the most competitive verticals in tech. Guest: Freddy JuezFreddy is the founder and CEO of Karta, a fintech providing U.S.-issued credit cards to Latin American customers — without the friction of traditional banks. Born in Ecuador and now based in Miami, Freddy previously founded a lending business that grew to manage over $200 million in AUM. Karta is backed by investors like Canary, Clocktower, FJ Labs, and Interaudi Bank. Follow Freddy on LinkedIn. Host: Filipe PortugalFilipe Portugal is a Partner at Canary, one of Brazil’s leading venture capital firms. Since joining the firm in 2018, he has led the investment team and built significant experience in the Brazilian and Latin American venture capital ecosystem. Follow Filipe on LinkedIn Highlights:00:00 – 02:10: Intro – Setting the Stage for Karta’s Journey02:20 – 03:32: Freddy’s Background and Early Steps as an Entrepreneur03:33 – 07:10: From Crypto Mortgages to Credit Cards: The Pivot That Sparked Karta07:10 – 10:48: The Pain of Paying in Dollars: Why Latin Americans Need Better Credit Options10:48 – 11:17: Karta’s Value Proposition for Brazilian Consumers11:20 – 12:50: What Traditional Banks Can’t Offer — and Why Karta Can12:52 – 15:00: Customer-First by Design: Building Through WhatsApp15:00 – 17:20: Product at the Core: Early Experiments and Customer-Led Iteration17:20 – 20:43: Acquisition Strategy: Scaling with Low CAC and Customer Education22:00 – 24:00: Stablecoins Behind the Scenes: How Karta Powers Cross-Border Efficiency24:00 – 27:00: AI Meets WhatsApp: 95% of Support Tickets Resolved Without Humans27:20 – 29:21: Building in Brazil Without Being Brazilian: Challenges and Advantages29:28 – 30:44 “Karta Não É Para Amadores”: Challenges of Scaling a Fintech30:44 – 32:13: Going B2C in LatAm: Opportunities and Friction32:22 – 33:15: Advice for Founders Building B2C Lending Fintechs33:23 – 35:47: Positioning Karta: Standing Out in a Crowded Cross-Border Space36:04 – 36:37: Traction Check: Key Milestones and Growth Metrics36:40 – 38:25: What’s Next: Karta’s Roadmap and Expansion Plans38:27 – 39:40: The Feedback That Proved Karta’s Impact39:40 – 41:40: Biggest Mistake, Biggest Win, and Lessons from the Journey41:48 – 42:09: What Freddy Would Tell His Younger Self42:30 – 42:50: Karta’s Vision42:52 – 43:29: Recommended Reading for FoundersRecommended content:What It Takes: Lessons in the Pursuit of Excellence by Steven Schwarzman (Book)See omnystudio.com/listener for privacy information.

URSULA'S TOP STORIES: Don’t mail in your mail-in ballot. . . Or drop it off at the post office // Tacoma pop-up food bank saw incredible demand // "Hell No Waymo!" // Chris Sullivan: How is SR 167 enforcement working out so far? // WE NEED TO TALK. . . Social Security hold music has a story

President and CEO of the Better Business Bureau Steve Bernas joins Wendy Snyder (in for Bob Sirott) to share details about two kinds of Social Security scams and how you can “Thank a Business” this November. He also talks about the new “Get a Quote” feature from the BBB and when you should check on your credit report.

If you would like to skip Jim and Chris discussing Jim's travel plans and the guys' frustration with low-cost airline pricing, you can skip ahead to (10:30). Chris's SummaryJim and I continue our discussion on Social Security claiming strategies, revisiting the debate between Professors Derek Tharp and Laurence Kotlikoff. We explore how academic disagreements overlook […] The post Social Security Claiming Strategies, Part 2: EDU #2544 appeared first on The Retirement and IRA Show.

Early retirement income can feel complicated, but a steady paycheck from savings starts with a simple framework. This episode reframes withdrawal decisions, explains why a fixed 4 percent rule can be too conservative in some cases, and shows when a 5 percent starting point may fit with the right allocation and ongoing adjustments. A million dollar case study turns rates into an annual paycheck while addressing sequence risk and flexible spending guardrails.Taxes do the heavy lifting. Retirement income is taxed differently than wages, with no FICA on non wage income, only up to 85 percent of Social Security taxable, and long term capital gains often taxed at 0 or 15 percent. Blending IRA withdrawals, brokerage draws, and Social Security can produce the same 100,000 dollars of cash flow with a lower tax bill than a 100,000 dollar salary. The discussion covers thresholds, brackets, the higher standard deduction after age 65, and tactics to keep more of the portfolio working.The episode finishes by assembling the paycheck. IRA, brokerage, Roth, Social Security, and pension income are coordinated so deposits match spending rhythms, with room for the retirement spending smile, one time costs, healthcare, and annual tune ups as markets and laws evolve.-Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Strategy ⬇️ Get Started Here.Join the new Root Collective HERE!

Don and Tom tackle the timeless topic of diversification — why it's back in style, why it's so hard to maintain, and why most investors (and pros) still get it wrong. They walk through how market “leadership” shifts over decades, the global vs. U.S. split, and why comparing your portfolio to the S&P 500 is often a trap. Listener questions cover ETF access at T. Rowe Price and Vanguard, whether to invest or pay down debt, and how the 5% flexible withdrawal rule works in early retirement. Plus, the guys riff on Halloween candy inflation, Social Security COLA bumps, and Don's LitReading “Scary Story Season.” 0:04 Show open — Saturday radio edition and why repetition matters in financial education 1:03 The fashion of diversification — and why it's “back in style” 2:27 International and small-cap value resurgence 3:15 Why investors chase past returns instead of diversifying 4:02 Gold, inflation, and recency bias — lessons from the 1980s 5:21 U.S. vs. international allocation debate: market cap vs. 50/50 6:20 The long wait for Japan's market recovery 7:41 Practical diversification tools — AVGE, DFAW, VT 8:19 Stop comparing everything to the S&P 500 9:08 Historical proof: global portfolio vs. S&P since 1931 10:02 Caller Charlie — buying Avantis or DFA ETFs through T. Rowe Price or Vanguard 12:39 How fund custodians differ from managers 13:27 Checking portfolio exposure with Morningstar 14:42 Caller Gabe — invest or pay off debt? 16:45 When to pay off a car loan vs. mortgage 19:35 How to handle multiple mortgages and long-term plans 20:22 Social Security's 2026 COLA bump and the “good news/bad news” of $102 more a month 22:21 Inflation realities — coffee, beef, and Halloween candy 25:02 Candy talk — shrinkflation and Don's trick-or-treat haul 25:54 LitReading plug: “Scary Story Season” and Philip K. Dick's The Hanging Man 27:34 Search “Don McDonald” in Apple Podcasts — chiropractor cameo included 29:05 Listener Victor (a.k.a. George) — can $4 million last 60 years with 5% withdrawals? 31:38 How the flexible withdrawal method works in practice 33:49 Retirement purpose, Monte Carlo results, and FIRE skepticism 37:41 Kindleberger quote on bubbles and envy: “There's nothing so disturbing as to see a friend get rich.” 38:55 Kindleberger's background and Manias, Panics, and Crashes Learn more about your ad choices. Visit megaphone.fm/adchoices

God offers a safe place.The quest springs from a universal craving of the human heart . . . but only the Bible reveals how we may achieve total, permanent security.Support the show

Angel Studios https://Angel.com/ToddJoin the Angel Guild today and know you are not just watching, you're helping make bold, faith driven stories like Disciples in the Moonlight possible. That's Angel.com/Todd.Bizable https://GoBizable.comUntie your business exposure from your personal exposure with BiZABLE.  Schedule your FREE consultation at GoBizAble.com today. Renue Healthcare https://Renue.Healthcare/ToddYour journey to a better life starts at Renue Healthcare. Visit https://Renue.Healthcare/Todd Bulwark Capital https://KnowYourRiskPodcast.comBe confident in your portfolio with Bulwark! Schedule your free Know Your Risk Portfolio review. Go to KnowYourRiskPodcast.com today. Alan's Soaps https://www.AlansArtisanSoaps.comUse coupon code TODD to save an additional 10% off the bundle price.Bonefrog https://BonefrogCoffee.com/toddThe new GOLDEN AGE is here!  Use code TODD at checkout to receive 10% off your first purchase and 15% on subscriptions.LISTEN and SUBSCRIBE at:The Todd Herman Show - Podcast - Apple PodcastsThe Todd Herman Show | Podcast on SpotifyWATCH and SUBSCRIBE at: Todd Herman - The Todd Herman Show - YouTubeIf the Mockingbird Media wanted to be distrusted and loathed by more than half of society, how would they behave differently? Let's look at this idea through their narrative on immigration.Episode Links:I can't believe this is real but it is. CBS Sacramento did a segment last night on the growing threat to Sikh truck drivers. - "The roadway risk for Sikh truck drivers is growing." Even the ending is comedy. They can't read English street signs and that could be a problem. You think CBS? BTW, half of west coast truck drivers are Sikh? When did that happen?BREAKING: A senior official in the FL AG's office tells me initial results of their investigation into Harjinder Singh, the Indian illegal alien truck driver charged w/ killing 3 people in a crash in FL in August, reveal Singh failed his CDL test 10 times in a 2-month window between 3/10/2023 and 5/5/2023 in the state of Washington.BOMBSHELL: A federal audit of CDL's issued in California just EXPOSED a huge corruption scandal over TENS OF THOUSANDS of illegal aliens being given a CDL. There were MULITPLE instances of ILLEGAL ALIENS who also had a REAL ID, which is OUTRAGEOUS.JUST IN: Dash-cam footage shows a semi-truck plowing into multiple vehicles on the 10 Freeway in California. The 21-year-old driver was arrested for driving under the influence of drugs. At least three people were k*lled and two others were hospitalizedBREAKING: An Illegal Alien from Venezuela being harbored by @GovPritzker was just arrested for committing 4 home invasion rapes, has been arrested 5 times since June while on pretrial release under JB Pritzker's cashless bail system and then shielded from ICE deportation.Portland Mayor Keith Wilson in a bizarre speech saying he ran for mayor to make sure no one gets left behind, including street junkies and illegal immigrants.  “If you are an undocumented immigrant, we need you. If you are in Portland, you're a Portlander.”Well, here it is: Conspiracy theory no more: Not only did @DOGE confirm it — the Congressional Budget Office (CBO) has re-confirmed: Illegal aliens were issued Social Security numbers by the Biden–Harris terrorist administration.      •      270,425 in 2021      •      590,193 in 2022      •      964,163 in 2023      •      2,095,247 in 2024 — on their way out the doorWith a whopping 1.4 million illegals on Medicaid. You have been Robbed. Deceived, Blackmailed. Extorted.