Podcasts about social security

Jim and Chris discuss listener emails on Social Security timing for HSA contributions, investing in a SPIA vs buffered ETFs, and using SEPP 72(t) income to manage ACA credits.(7:00) A listener describes delaying a Social Security filing to avoid Medicare Part A backdating that would have reduced prior-year HSA contributions, while still receiving full retroactive benefits.(28:00) Georgette asks what to do with money originally set aside for a condo purchase, weighing ETFs against buying a single premium immediate annuity (SPIA), given an existing fixed indexed annuity (FIA), and pension income that cover living expenses.(55:45) The guys address whether a SPIA purchased inside a rollover IRA can be used to satisfy SEPP 72(t) rules while keeping income low enough to preserve max ACA credits. The post Social Security, SPIAs, SEPP 72(t): Q&A #2605 appeared first on The Retirement and IRA Show.

Are you making smart tax and legal decisions, or leaving money on the table without realizing it? In this episode of the Main Street Business Podcast, Mark J. Kohler tackles your toughest questions and breaks down real-world tax strategies, asset protection myths, and retirement planning mistakes that business owners and investors face every day.From selling million-dollar collectibles and avoiding unnecessary taxes, to understanding how S Corporations can impact Social Security benefits later in life, Mark tackles listener questions with practical, no-nonsense advice. You'll learn why LLCs don't magically reduce taxes, how charitable remainder trusts really work, and when trusts actually make sense — and when they're a complete waste of money.If you're a small business owner, investor, or high-income professional looking to legally reduce taxes, protect assets, and build long-term wealth, this episode is packed with insights you can use right now!You'll learn:Why setting up an LLC or corporation won't help you avoid capital gains taxes when selling high-value collectiblesWhen trusts actually make sense for asset protection—and when they're an expensive mistakeWhy Social Security has diminishing returns for high earners and how S Corporations change the mathThe rules around depreciated equipment and why you can't “reset” depreciation with a new entityHow self-rental real estate strategies can unlock powerful deductions for business ownersWhat counts as a prohibited transaction inside IRAs and Solo 401(k)s—and what doesn'tGet a comprehensive tax consultation with one of our Main Street tax lawyers that can build a tax strategy plan with an affordable consultation that will leave you speechless!! Here's the link - https://kkoslawyers.com/services/comprehensive-bus-tax-consult/?utm_source=buzzsprout&utm_medium=description-link&utm_campaign=main-street-business-podcast&utm_content=msbp607-open-forum-toughest-tax-and-legal-questions Grab my eBook 30 Unique Strategies Every Business Owner Should Know! You don't want to miss this! Secure your tickets for the #1 Event For Small Business Owners On Main Street America: Main Street 360 Looking to connect with a rock star law firm? KKOS is only a click away! Are you ready to get certified in EVERY strategy I teach? Start your journey with a FREE 15-minute discovery call to explore the Main Street Tax Pro Certification. Check out our YOUTUBE Channel Here: https://www.youtube.com/markjkohler Craving more content? Check out my Instagram!

Did retirement get harder — or did it just change? A listener writes in with a question a lot of people are quietly asking: Is the kind of retirement our parents and grandparents had even possible anymore? They remember a time when retirement felt automatic — pensions, Social Security, paid-off homes, and far less anxiety about markets or running out of money. Today, even people doing “everything right” feel like retirement is something they have to constantly manage and second-guess. In this episode, Pete breaks down what actually changed, why retirement feels more fragile now, and what we're really chasing when we say we want “that kind of retirement.” This isn't a nostalgia tour or a lecture about saving more — it's a clear, honest look at how responsibility shifted from institutions to individuals, and what that means for modern households. If you've ever felt like you're behind despite being responsible — or wondered whether peace of mind is still attainable — this episode is for you. Because retirement didn't disappear. The system did.

https://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Randy Hux is the Founder and President of Hux Capital Management, a fiduciary financial planning firm headquartered in Lafayette, Louisiana. With over two decades of experience in the financial services industry, Randy is known for his passion, integrity, and deeply personalized approach to retirement and investment planning.As a licensed fiduciary, Randy upholds the highest legal and ethical standards, always putting clients' best interests first. His philosophy is simple: financial planning should be transparent, easy to understand, and results-driven—not filled with confusing jargon or sales pressure. Clients describe Randy as personable, trustworthy, and refreshingly honest—qualities that have earned him a loyal following throughout Louisiana and beyond.Under Randy's leadership, Hux Capital Management offers a holistic suite of services including proactive money management, retirement income strategies, tax-efficient investing, insurance planning, Social Security optimization, and family legacy and estate planning. His approach blends math, science, and human empathy to build custom financial plans that are designed to last a lifetime—and beyond.Randy is frequently called upon for expert commentary on retirement planning, fiduciary responsibility, and investor education. His mission remains clear: to empower individuals and families with the clarity, confidence, and control they need to enjoy their financial future on their terms.Learn more: http://www.huxcapitalmanagement.com/Investment advisory and financial planning services are offered through Simplicity Wealth, LLC, an SEC-registered investment adviser. SEC registration does not constitute an endorsement of the firm nor does it indicate that the adviser has attained a particular level of skill or ability. Investing involves the risk of loss. Insurance, Consulting and Education services offered through Hux Capital Management. Hux Capital Management is a separate and unaffiliated entity from Simplicity Wealth.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-randy-hux-founder-and-president-of-hux-capital-management-discussing-traditional-vs-independent-advisors

The Disability Confident Scheme is a government programme that aims to help employers recruit and retain disabled people. Organisations can volunteer to sign up and move through three tiers that have varying levels of commitments. As part of a series of measures to try to help with the recruitment of disabled people, the government are planning to overhaul the scheme and make certain criteria more robust. Minister for Social Security and Disability, Sir Stephen Timms tells In Touch about their plans.GBR Blind Sailing recently achieved great success at the World Sailing Inclusion Visually Impaired Championships in Oman. Lucy Hodges MBE is commodore of GBR Blind Sailing and nine-time World Champion and she, along with long-term sailor Vicki Sheen, tell In Touch about their success in Oman and about their aims to get more visually impaired people involved in the sport and to get blind sailing into the Paralympics in its own class. Presenter: Peter White Producer: Beth Hemmings Production Coordinator: Helen SurteesWebsite image description: Peter White sits smiling in the centre of the image and he is wearing a dark green jumper. Above Peter's head is the BBC logo (three separate white squares house each of the three letters). Bottom centre and overlaying the image are the words "In Touch" and the Radio 4 logo (the word ‘radio' in a bold white font, with the number 4 inside of a white circle). The background is a bright mid-blue with two rectangles angled diagonally to the right. Both are behind Peter, one is a darker blue and the other is a lighter blue.

On this episode of Ask KT & Suze Anything, Suze answers your questions about Roth conversions, where the best place to own gold might be and leaving property to children. Plus, Social Security benefits after an annulment and more. Check out Suze’s NEW website: SuzeOrman.com 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/2KcAHbHCLICK HERE FOR GOOGLE PLAY: https://bit.ly/3curfMISee omnystudio.com/listener for privacy information.

Natalie Brunell is joined by Larry Lepard, author of The Big Print, and Bob Burnett, founder and CEO of Barefoot Mining, talking gold's outperformance relative to Bitcoin, signs the "Big Print" could be imminent and much more. We discuss:  The "boomer case" for Bitcoin Gold vs Bitcoin and why Bitcoin ultimately wins The coming "big print" and what triggers it Are all boomers wealthy? Social Security, debt, and the political third rail Why real estate hasn't made people richer, just less poor Follow Larry Lepard on X at https://x.com/LawrenceLepard Follow Bob Burnett on X at https://x.com/boomer_btc  ---- Order Natalie's new book "Bitcoin is For Everyone," a simple introduction to Bitcoin and what's broken in our current financial system: https://amzn.to/3WzFzfU  --- Coin Stories is powered by Gemini. Invest as you spend with the Gemini Credit Card. Sign up today to earn a $200 intro Bitcoin bonus. The Gemini Credit Card is issued by WebBank. See website for rates & fees. Learn more at https://www.gemini.com/natalie  ---- Ledn is the global leader in Bitcoin-backed loans, issuing over $9 billion in loans since 2018, and they were the first to offer proof of reserves. With Ledn, you get custody loans, no credit checks, no monthly payments, and more. Get .25% off your first loan, learn more at https://www.Ledn.io/natalie  ---- Earn passive Bitcoin income with industry-leading uptime, renewable energy, ideal climate, expert support, and one month of free hosting when you join Abundant Mines at https://www.abundantmines.com/natalie  ---- Natalie's Bitcoin Product Partners: For easy, low-cost, instant Bitcoin payments, I use Speed Lightning Wallet. Play Bitcoin trivia and win up to 1 million sats! Download and use promo code COINSTORIES10 for 5,000 free sats: https://www.speed.app/coinstories  Block's Bitkey Cold Storage Wallet was named to TIME's prestigious Best Inventions of 2024 in the category of Privacy & Security. Get 20% off using code STORIES at https://bitkey.world   Master your Bitcoin self-custody with 1-on-1 help and gain peace of mind with the help of The Bitcoin Way: https://www.thebitcoinway.com/natalie  With BitcoinIRA, you can invest in bitcoin 24/7 inside a tax-advantaged IRA. Choose a Traditional IRA to defer taxes, or a Roth IRA for tax-free withdrawals later. Take control of your future with BitcoinIRA: https://www.bitcoinira.com/natalie  Natalie's Upcoming Events: Bitcoin 2026 will be here before you know it. Get 10% off Early Bird passes using the code HODL: https://tickets.b.tc/event/bitcoin-2026?promoCodeTask=apply&promoCodeInput=  Strategy World 2026 in Las Vegas on February 23-26th - Use code HODL for discounted tickets: https://www.strategysoftware.com/world26    Extra Services to Consider: Protect yourself from SIM Swaps that can hack your accounts and steal your Bitcoin. Join America's most secure mobile service, trusted by CEOs, VIPs and top corporations: https://www.efani.com/natalie   Ditch your fiat health insurance like I did four years ago! Join me at CrowdHealth: www.joincrowdhealth.com/natalie  ---- This podcast is for educational purposes and should not be construed as official investment advice. ---- VALUE FOR VALUE — SUPPORT NATALIE'S SHOWS Strike ID https://strike.me/coinstoriesnat/ Cash App $CoinStories #money #Bitcoin #investing

Are you still trying to decide when to take Social Security? Well, in this episode, I am deviating from my normal stance to share 4 reasons you might want to take your benefits ASAP rather than delay. And be sure to listen to the end, because I share why using a traditional break even analysis in your decision making process is not a good idea.

In this episode of 'Pushing Forward with Alycia,' host Alycia Anderson and co-host Marty Anderson engage in a detailed conversation with Michael Liner, a Social Security disability attorney who has gained fame on TikTok for his informative and entertaining content. Michael shares his personal journey from facing early educational challenges to becoming a leading disability advocate. He discusses the roles and responsibilities of his law practice, the intricacies of Social Security Disability Benefits, and debunks common myths surrounding the system. Michael also emphasizes the importance of dignity and authenticity in advocacy and offers valuable advice for navigating complex legal frameworks. The episode concludes with light-hearted rapid-fire questions, adding a fun twist to an insightful discussion. In-Depth Timeline of Events 00:00 Introduction to Pushing Forward with Alicia 00:50 Meet Michael Liner: The Viral Lawyer 02:14 Michael's Journey: From Troubled Youth to Lawyer 04:13 Living the Dream: Michael's Current Life and Work 06:39 The Challenges and Rewards of Disability Law 13:35 Michael's Personal Struggles and Triumphs 18:33 Understanding Social Security Disability Benefits 20:43 Debunking Disability Myths 21:17 Disability Leadership Summit Announcement 22:09 Social Security Disability Trust Fund Facts 24:09 Addressing Fraud and Misconceptions 25:09 Cultural Stigma and Disability Benefits 27:25 Personal Story of Overcoming Stigma 28:56 Disability Inclusion in the Workforce 30:10 Empowering the Disabled Community 32:32 Legal Support and Client Services 36:12 Fun Lightning Round Questions 38:22 Final Thoughts and Mantra A Quote from Michael “ You have rights, you are a human.” ~ Michael Liner Inclusion in Action: Key Threads ✨ Meet Michael Liner: The Influential Attorney

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

Birth certificates and social security cards, most of us use this information on a daily basis. And all the paperwork to create those documents start the moment you are born. As a parent, what do you need to know about filling out these documents for your child? How does the processing of these documents differ if delivering in a hospital versus a birthing center? Learn more about your ad choices. Visit megaphone.fm/adchoices

Too many retirees make one pension decision they can't undo and it reshapes their entire financial future. We break down the real trade-offs hiding behind payout options, survivor benefits, and the lure of a lump sum, then show you how to weave your pension together with Social Security and investments to build a calm, resilient retirement plan.We start by reframing the pension as a supercharged bond; steady, predictable income that can cover the must-haves and free your portfolio to fund the fun stuff. You'll learn a simple two-column method to map fixed expenses against guaranteed income, why 80 to 100 percent coverage is a powerful target, and how that floor helps you sleep at night when markets get rough. From there, we unpack the key payout choices: single life for maximum income, joint-and-survivor to protect both lives, and variations with different survivor percentages. We explain how to stress test each option against age, health, tax implications, and timing your Social Security benefits.A candid case study shows the cost of chasing the biggest monthly number and leaving a spouse with too little income. We also walk through when a lump sum can work; low fixed expenses, solid guaranteed coverage, strong legacy goals, and the discipline to manage market risk after rolling to an IRA. To keep you out of trouble, we highlight common mistakes like ignoring inflation, misreading the pension's bond-like role, and making decisions in silos instead of as a system. By the end, you'll have a clear framework: cover essentials with guarantees, fund goals with growth, and choose a payout that protects the person you love most.If this helped you think more clearly about your pension, subscribe, share it with someone who needs it, and leave a quick review. Your support helps others find the show and make smarter, safer retirement choices.

The Texas Secretary of State just turned over every registered voter in Texas' private voter information (like your birthdate and the last digits of your Social Security number) to the Donald Trump Department of Justice. So, what happens now? Voting rights experts Matt Cohen, a reporter with Democracy Docket delivering national coverage on this story, and Ashley Harris, a Staff Attorney with ACLU Texas joined us to break down why Trump and the DOJ have a mandate out to every US state, how Texas fits into this national push and subsequent lawsuits, plus who has your private data. Learn more about ACLU Texas at https://www.aclutx.org/.Learn more about Democracy Docket at https://www.democracydocket.com/.Thanks for listening! Learn more about Progress Texas and how you can support our ongoing work at https://progresstexas.org/.

Proposed policy changes in the US could result in increased taxation for American dual citizens, green card holders, and Americans living abroad. From forced loss of US citizenship by inaction, to deemed expatriations, exit taxes on worldwide assets and foreign pensions, and potential impacts on Social Security and even US military pensions, the ripple effects of the proposed Exclusive Citizenship Act of 2025 are far-reaching and, in many cases, devastating.    Richard Taylor – dual UK/US citizen and Chartered Financial Planner – is joined by Virginia La Torre Jeker – US international tax attorney - to unpack what the Exclusive Citizenship Act of 2025 could mean, even if it never passes through Congress. They explore how the proposal could transform the expat experience for Americans and other immigrants in the US, compare it to existing immigration and tax rules, and examine how exit taxes may apply to anyone who loses or renounces US citizenship or green card status.    In this episode of Expat Wealth, Richard and Virginia discuss:    How the Exclusive Citizenship Act of 2025 would require dual citizens in the US to renounce all non-US citizenship within 12 months or be deemed to have voluntarily lost US citizenship.    How Supreme Court precedent bars Congress from stripping citizenship without voluntary intent, and how this bill attempts to bypass that protection.     What forced expatriation could mean for dual citizens, Americans abroad, and green card holders, including exit taxes on worldwide assets, punitive treatment of foreign pensions, and potential loss of Social Security or military pensions.     --    Expat Wealth is supported by Plan First Wealth. Plan First Wealth is a Registered Investment Advisor serving fellow expatriates and immigrants living across the US on matters such as retirement planning, investment management, tax planning and non-US asset management.    https://planfirstwealth.com/    --    Expat Wealth is affiliated with Plan First Wealth LLC, an SEC registered investment advisor. The views and opinions expressed in this program are those of the speakers and do not necessarily reflect the views or positions of Plan First Wealth.      Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Plan First Wealth does not provide any tax and/or legal advice and strongly recommends that listeners seek their own advice in these areas. 

If you have a defined benefit pension, everything from when you claim Social Security to how you draw your TSP/401k changes — because guaranteed income becomes your foundation for smarter retirement planning.

For decades, the 4% rule has been treated as gospel for retirement planning... But is it still safe? Josh breaks down why the traditional withdrawal rule may no longer work in today's market, how Social Security and guaranteed income change the math, and what really determines whether your money lasts as long as you do. Can't get enough of The Financial Quarterback? Click ‘Subscribe' so you never miss a play. If you're enjoying the show, leave a 5-star rating and drop a review—it helps keep the game going!

Tuesday on the News Hour, the Trump administration changes its leadership for immigration operations in Minnesota after public backlash from two deadly shootings. Taiwan fears that the American operation to oust Venezuela's leader might embolden China to invade. Plus, we hear from the whistleblower who said DOGE mishandled Social Security data, a claim the Justice Department now admits is true. PBS News is supported by - https://www.pbs.org/newshour/about/funders. Hosted on Acast. See acast.com/privacy

This Badlands Media special coverage features full remarks delivered at a Trump rally in Iowa, highlighting reflections on the first year of the administration and the policy priorities driving the current agenda. The address focuses on economic indicators including inflation reduction, job growth, investment inflows, stock market performance, and tax policy changes such as no tax on tips, overtime, and Social Security. The speech also covers border enforcement, crime reduction, drug cartel designations, and law enforcement support, alongside discussion of military strength, energy independence, and trade policy centered on tariffs and domestic manufacturing. Significant attention is given to agriculture, ethanol, biofuels, and international trade agreements benefiting American farmers. The rally includes commentary on healthcare costs, housing policy, regulatory rollbacks, and federal relief for farmers, as well as calls for voter participation in upcoming midterm elections. The remarks frame these developments as part of a broader effort to restore economic stability, national security, and American confidence.

This Badlands Media special coverage features President Donald Trump delivering extended remarks focused on the launch and expansion of “Trump Accounts,” a new program designed to provide every American child with a government-seeded investment account at birth. The speech outlines the structure of the accounts, including initial funding, contribution limits, and long-term growth projections, while highlighting major private-sector commitments from business leaders, corporations, and philanthropists. The remarks also revisit recent tax policy changes, including the elimination of taxes on tips, overtime, and Social Security benefits, as well as deductions tied to American-made vehicle purchases. Additional discussion covers domestic manufacturing growth, artificial intelligence infrastructure, energy needs, regulatory reform, and post-disaster rebuilding efforts in California. Throughout the address, the emphasis remains on wealth creation, private investment, economic confidence, and restoring what is repeatedly described as the American Dream through ownership, opportunity, and long-term financial stability.

High earners are often told they'll be in a lower tax bracket in retirement.For executives and business owners, that promise rarely holds up.In this episode of the Financial Harmony™ Podcast, Dr. Preston Cherry breaks down why retirement taxes are often higher—and more complex—than people expect. While income may decline, taxable income often doesn't, due to RMDs, taxable Social Security, Medicare IRMAA surcharges, and capital gains.In this episode:Why “lower” doesn't always mean low for high-income retirees.The hidden tax layers most retirement plans underestimate.Why retirement income is often lumpy, not smooth.Practical strategies for lifetime tax smoothing and withdrawal sequencing.Segment highlights:The Wealth Word: Why the “low-tax retirement” idea persistsThe Signal: Cutting through noise, headlines, and false certainty in retirement planningThe Money Move: How tax brackets really work in retirement and what to plan for insteadFinancial Harmony™: The financial and emotional investment we make in adult children—and how to audit it without guiltCulture Corner: Why this podcast paused, and how alignment—not hustle—brought it back

Leaders of the Senate Finance Committee want answers from the Social Security Administration about DOGE sharing its data. Chairman Mike Crapo and Ranking Member Ron Wyden are asking SSA what agency data was shared with outside groups. The Justice Department recently told a federal court that DOGE staffers at the agency discussed sharing agency data with an advocacy group looking to “overturn election results” in some states. DOJ referred the two DOGE employees for potential violations of the Hatch Act.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

The Social Security Administration says members of Elon Musk's DOGE team working at the agency accessed and shared sensitive data. The latest disclosure from the Trump administration seemed to confirm some key concerns first raised in a whistleblower complaint filed by the agency's chief data officer, Chuck Borges. Geoff Bennett spoke with Borges and his lawyer, Debra Katz. PBS News is supported by - https://www.pbs.org/newshour/about/funders. Hosted on Acast. See acast.com/privacy

"Mr and Mrs Smith" have nearly $850,000 saved at age 43, but they're very concerned about retirement. "Lucy and Desi" are 58 and 64 with nearly $7 million saved, but they still lie awake wondering if it's enough for their high-expense life. "Tony and Carmela" are in a similar boat with millions saved at 61 and 59, but they're worried their asset allocation won't get them through their retirement. No matter the numbers, the fears sound exactly the same: will you run out of money in retirement? Turns out overcoming that fear is not about hitting a magic number. We'll find out what it's all about today on Your Money, Your Wealth podcast number 566 with Joe Anderson, CFP®, and Big Al Clopine, CPA. The fellas also spitball Roth conversions, long/short direct indexing capital gains tax strategies for "Juicy Squeeze", working after retirement for Wendi, and how one confusing word can completely change a retirement timing decision for "Jacques and Johana." Free Financial Resources in This Episode: https://bit.ly/ymyw-566 (full show notes & episode transcript) Withdrawal Strategy Guide - free download Financial Blueprint (self-guided) Financial Assessment (Meet with an experienced professional) WATCH 6 Signs You Truly Have "Enough" For Retirement on YMYW TV REQUEST your Retirement Spitball Analysis DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter   Connect With Us: YouTube: Subscribe and join the conversation in the comments Podcast apps: subscribe or follow YMYW in your favorite Apple Podcasts: leave your honest reviews and ratings   Chapters: 00:00 - Intro: This Week on the YMYW Podcast 01:01 - 43 With $850K. Am I Too Late to Build Enough Roth Money? (Mr & Mrs Smith, Dallas, TX) 11:29 - Nearly $7M Saved at 58 and 64. Do We Have Enough for a High-Spend Retirement? (Lucy & Desi, Jersey Shore, NJ) 23:38 - 61 and 59 With $4.5M Saved. Can I Retire Now With a 50/50 Portfolio? (Tony & Carmela, San Ramon, CA) 32:09 - Mid-50s with $685K Saved. Can One Spouse Retire While the Other Works? (Jacques & Johana, Florida) 38:53 - Are Long-Short Direct Indexing Tax Strategies Worth the Fees? (Juicy Squeeze) 47:04 - Should I Work as an Employee or Contractor After 70 on Social Security? (Wendi) 52:04 - Outro: Next Week on the YMYW Podcast

Gregg Lunceford, Managing Director at Mesirow Wealth Management and a retirement transition researcher, joins Lesley Logan to explore why retirement is about more than financial planning. He introduces the concept of the “third age”—a longer, undefined stage of life where identity, purpose, and structure matter just as much as money. Together, they discuss why work identity is so hard to release and how shaping your retirement identity early can make your next chapter feel intentional instead of uncertain. If you have any questions about this episode or want to get some of the resources we mentioned, head over to LesleyLogan.co/podcast https://lesleylogan.co/podcast/. If you have any comments or questions about the Be It pod shoot us a message at beit@lesleylogan.co mailto:beit@lesleylogan.co. And as always, if you're enjoying the show please share it with someone who you think would enjoy it as well. It is your continued support that will help us continue to help others. Thank you so much! Never miss another show by subscribing at LesleyLogan.co/subscribe https://lesleylogan.co/podcast/#follow-subscribe-free.In this episode you will learn about:Why modern retirees now face a long “third age” requiring purpose beyond leisure.How work identity provides recognition, social connection, and daily structure.The difference between living as your “ought self” versus your “ideal self.”Why failing to plan identity often leads retirees to burn through money.Why creating a shared retirement vision helps guide future decisions together.Episode References/Links:Mesirow Wealth Management - https://www.mesirow.comGregg Lunceford on LinkedIn - https://beitpod.com/greggluncefordExit From Work by Gregg Lunceford - https://a.co/d/c84euxXThe Psychology of Money by Morgan Housel - https://a.co/d/feJq9lhGuest Bio:Gregg Lunceford has 32 years of experience in financial services. He is a Managing Director, Wealth Advisor in Mesirow Wealth Management and Vice Chair of the Mesirow DEI Council. He creates comprehensive financial planning strategies for individuals, families, organizations, athletes and business owners. He is the Investment Committee Chair for the American Heart Association, on the Board of Directors for the Juvenile Protective Association, an Advisory Board Member for the Nathan Manilow Sculpture Park at Governors State University and is an Advisory Board Member for the Quinlan School of Business at Loyola University. Gregg is also a frequent speaker on WGN radio's “Your Money Matters.” Gregg earned a B.A. from Loyola University, an MBA from Washington University, and a PhD from Case Western Reserve University where he conducted research on retirement. He is a CERTIFIED FINANCIAL PLANNER® professional and holds a Certificate in Financial Planning Studies from Northwestern University. If you enjoyed this episode, make sure and give us a five star rating and leave us a review on iTunes, Podcast Addict, Podchaser or Castbox. https://lovethepodcast.com/BITYSIDEALS! DEALS! DEALS! DEALS! https://onlinepilatesclasses.com/memberships/perks/#equipmentCheck out all our Preferred Vendors & Special Deals from Clair Sparrow, Sensate, Lyfefuel BeeKeeper's Naturals, Sauna Space, HigherDose, AG1 and ToeSox https://onlinepilatesclasses.com/memberships/perks/#equipmentBe in the know with all the workshops at OPC https://workshops.onlinepilatesclasses.com/lp-workshop-waitlistBe It Till You See It Podcast Survey https://pod.lesleylogan.co/be-it-podcasts-surveyBe a part of Lesley's Pilates Mentorship https://lesleylogan.co/elevate/FREE Ditching Busy Webinar https://ditchingbusy.com/Resources:Watch the Be It Till You See It podcast on YouTube! https://www.youtube.com/channel/UCq08HES7xLMvVa3Fy5DR8-gLesley Logan website https://lesleylogan.co/Be It Till You See It Podcast https://lesleylogan.co/podcast/Online Pilates Classes by Lesley Logan https://onlinepilatesclasses.com/Online Pilates Classes by Lesley Logan on YouTube https://www.youtube.com/channel/UCjogqXLnfyhS5VlU4rdzlnQProfitable Pilates https://profitablepilates.com/about/Follow Us on Social Media:Instagram https://www.instagram.com/lesley.logan/The Be It Till You See It Podcast YouTube channel https://www.youtube.com/channel/UCq08HES7xLMvVa3Fy5DR8-gFacebook https://www.facebook.com/llogan.pilatesLinkedIn https://www.linkedin.com/in/lesley-logan/The OPC YouTube Channel https://www.youtube.com/@OnlinePilatesClasses Episode Transcript:Gregg Lunceford 0:00  What we all need to start to focus on right now is just like we had that career guidance counselor helping us and coaching us and to that next thing, we need to start taking time to figure out that action plan for that next thing. And once you start to figure out, I need to form a retirement identity and understand my ideal self. You start to self motivate and become excited about it.Lesley Logan 0:27  Welcome to the Be It Till You See It podcast where we talk about taking messy action, knowing that perfect is boring. I'm Lesley Logan, Pilates instructor and fitness business coach. I've trained thousands of people around the world and the number one thing I see stopping people from achieving anything is self-doubt. My friends, action brings clarity and it's the antidote to fear. Each week, my guest will bring bold, executable, intrinsic and targeted steps that you can use to put yourself first and Be It Till You See It. It's a practice, not a perfect. Let's get started. Lesley Logan 1:10  Okay, Be It babe. This conversation is really cool. It's really, really cool. It might you I'm going to introduce it in just a second, I'm going to introduce the guest, and it might be somebody like when you think about this, you yes, you do. Yes, you do. And I actually am really excited once I hit in on this, because Brad and I have already talked about this topic with each other, but I we've actually not dove into what retirement looks like, right? Like? What does it look like? Who are we, you know. And I think especially if you're an elder like me, you're like, I'm still trying to figure that out for my work stuff, but, but there's, there's an even bigger reason for us to think about it now, and Gregg Lunceford is going to explain that to us, and it's going to give you so much inspiration and a joy and excitement and possibility. And I can't think of a better be it till you see it, thing that be working on than what Greg is going to offer us up today. So here he is. Lesley Logan 2:04  All right, Be It babe, I'm really excited, because when I met this guest, I was like, hold on, this is very different. This is a whole different attitude to have about. Fine, we're going to talk money. And I know some of you want to, like, put your head in the sand and ostrich out, but we're gonna talk retirement. We're gonna talk about some really cool things, also just thought processes to have. We have an amazing guest, the first person ever make me think of this in a different way. Gregg Lunceford from Mesirow, is here to rock our world today. So Greg, tell everyone who you are and what you do.Gregg Lunceford 2:34  Hello, Lesley, thank you so much for the opportunity to be on your show. My name is Gregg Lunceford. I am a career professional in financial services. I work for a firm called Mesirow Financial in Chicago. We have locations across the country and some overseas. I am a wealth advisor. In addition to that, I am also an academic researcher, and my field of study is retirement transition. And so what I work with clients on is getting them, not only do you understand the financial part of retirement, but also the social, emotional components of making the transition and how it is unique to them, because the 21st Century retiree retirement transition is much different and way more dynamic than most people think, having watched others do it in the 20th century.Lesley Logan 3:21  This is so cool, because you're not, like, our, you know, our grandfather or father is like, like, financial planner, you are actually thinking, like, deep about the person. And that I find, I don't think I've known anyone who does that. Like, usually it's like, here are the numbers, here's your sheet. Let's put this in. How much money do you want to have and like, that's it, but you you've brought more personality to it and also more emotions to it. How did you get started in that? Gregg Lunceford 3:47  So I'll give you a little bit of a backstory. So as I mentioned, I've been in financial services for 33 years, and when the real estate bust occurred in 2008 I was working for another organization, and we were having people come in and very successful people, and they were set for life. They were being offered an exit package from their from their employer. They were leaving a lot of C suite roles, or maybe a little role below the C suite. And we were having meetings with them to prepare for retirement, and we would go through all the financial numbers and something still wasn't right. And what I was noticing was they were hesitant to make the retirement decision, even though the company was saying, look, we, giving you this excellent opportunity to exit early create cost savings for us. It'll create great financial opportunity for you, especially because we were in this period of time like unemployment was going above 11%, and so here's the opportunity to take this nest egg and be good, which was counter to what we were taught in our industry when I came in the industry that, you know exiting out was an economic choice, that once you hit a certain number, then you would go look for activit ies of leisure, because work can be depressing and daunting and stressful and all those kinds of things. And even when I was watching, you know, commercial ads from people in the industry and competitors, you know, you'll see something that goes, and I won't call the company, but they had a very successful campaign that said what's your retirement number? Yes. And this number will follow you down the street. Is this? You know, you walk from the door, do you remember that? And you look at your balance, it's like, if today's the day you just tell your boss, I can't stand you, and it's over with, right? And so this was very counter to what I was experiencing. And so I started to talk to some of the senior level people in my organization. I said, there's something going on here and and they said, well, it's probably because they're talking to us, and they're also shopping with other people to see who they which which company they want to work with. So go offer them a great discount, because it's probably all things equal, and it's just they're being sensitive about numbers, once again, making this an economic choice, so we would do that. And what I recognize is the sales cycle got even longer. And so I would go back to them. But I said, have you been looking at the trends for our sales cycle? And you would think that these would be quick, easy, easy sales, you know, because people supposed to be running out of the door, and they took longer. And so I said, there's something we don't understand about someone who is at this stage, and the feedback I got was, if it's something social emotional, there's nothing we can do about it. You know, if someone's afraid about running out of money, you can create an annuity product to take care of them for life. Somebody's worried about interest rates going up, you can create a product that deals with interest rate sensitivity, but nothing can deal with how a person feels. And I didn't accept that as an answer. I thought that was wrong, because the way I view it is, clients hire us, and they trust us, and we can do a better job the more we understand the client beyond just their finances, right? And I felt like there was a big problem here. So I basically said, you know, I want to go back to school and study this. And I negotiated for time to be in class, and I got it. And so I went to Case Western Reserve University. I got into a PhD program there, and I did four years of PhD study and lots of studies trying to figure out what are the social, emotional factors, as well as the financial factors that a person considers when making the retirement decision. And there were just tons of things that I learned in that process that I used to help my clients. Were happy to talk to you about that journey.Lesley Logan 7:37  Yeah, I'm excited to get in with that, because it's really funny as you talk about this, I like, my my family, right? My mom is two years from retirement, and she's got two homes, you know, in California that it, honestly, I was trying to get her to sell few years back because it would have been a great idea. And like, get a condo, be set for life. And we're like, showing her the numbers. We're like, look at this. This is a you, you can set yourself up to just be chill, and she is like, not listening, and I think it's because of the emotional attachment to these properties versus, like, the numbers. And so I can I get that right? Like, I get my my in laws could have retired years ago. I don't think that they know what to do if they don't have work things. And I don't even know that they love their work. I think they like what the what the work represents that they do during their day. So I do want to dive into this, because in being it till you see it like I'm hoping that every listener here gets to live to the age that they desire, like and we all are, as you mentioned, like that, the time that we're in people are living a much longer time, like retired at 65 and dying at 90. It's a long time to not have a J-O-B, right? So it would be really cool to chat with you, because like being it till we see it means including what we want to be. How do we want to be when we're older and not doing the thing we're doing? How do we want to be in retirement? So let's dive into that a little bit.Gregg Lunceford 9:06  Sure, so a couple things I want to cover off on. It was like one, how did we get here? And I think you've already touched on that. The fact is, we're living longer. And so if you are looking at a retirement maybe 50 years ago, when people really started to expire in their late 60s and their 70s. What occurred was you got to 65 and the system told you 65 is the number. Why does this arbitrary number was picked one day when they were trying to figure out Social Security, they said it was 65 is the number, right? And so you come out at that period of time, and you only have just a few healthy years in front of you, or at least you anticipate you only have a few healthy years. So what came out was this concept of a bucket list. So I am going to use these healthy years to travel, play all the golf I can, and have all this leisure that I can before I am too physically unable to do this or mentally unable to do this. And so couple things were wrong there, as it relates to our retirement 21st century. One, we're living longer, so you're going to be physically and mentally able to do something for a long period of time. So if you don't sort of set goals for yourself and see what you can be in the futurem you're going to get bored really, really quickly, and you're going to start to decline very quickly, simply because you're absent of certain things, purpose and drive and and goals and accomplishment. You know, it's more than just a couple rounds of golf that are going to make you happy. And so what I think people don't understand is we are now living in a period of time where it used to be you went from your youth to middle age and to old age. And so this transition from middle age to old age was about that 60 mark, right? And so people just basically said, I have no more control. The system is going to do what it does to me. I'm going to be booted out of my job. I'm going to be sent off to do leisure. I guess that means I play with my grandchildren or volunteer, and I'll just follow suit. And what happened is a lot of people found themselves doing things that weren't rewarding to them. Now we're in a new era, because we live longer. And what is present now is what is called, in academic terms, the Third Age. So you now go from early age to middle age to this Third Age, which is this undefined period, and today's retirees are the first people to go on this, and then you go on the old age, and the Third Age is this 20 year life bonus, where you get to define who and what you want to be. And think about it, you're wiser than you ever been. For most people, you have more financial resources than you ever had. You don't have a commitment to other people, meaning you've raised your children so you don't have to worry about them. Hopefully you're in a position where you don't have to care for aging loved ones, right? So this is a period of time where you can do anything and everything you always wanted to do. And people go, well, what didn't I have the opportunity to do whatever I wanted to do? Not quite, because remember when we were growing up, and those before us were growing up, we were kind of encouraged to do things that were socially acceptable. Rght? Lesley Logan 11:02  I agree. Gregg Lunceford 9:07  It wasn't until recent decades where someone says, I'm going to start a computer company out of my garage. I'm going to drop out of college and do something that's undefined and pioneer so the current generations, entering into into retirement, have never developed this proactive protein behavior the way maybe millennials and Generation Z has.Lesley Logan 12:54  I completely agree. Because, like, I, I mean, I feel very lucky that even though I was raised very much by, like, almost a Boomer and and a hippie like, I do have a career where I am doing whatever I want. I'm an elder millennial, so I have that, but I have friends who are just a few years older than me, and I don't think that they have a they don't have hobbies. If they have a hobby, it's going to the gym. You know what I mean? Like, it's like they don't really have things so outside of their work, it's like, what do you do for fun? Are you kidding? Like there's no and so I feel like what you're getting at is, like, no one has actually spent time thinking like, but what do I actually want? How can I dream about that, right? How can I make that so exciting that that I want to take a retirement package or that I'm excited to I have this I'm not just like, oh, let me go play golf three times a week. Like, what else? I have no purpose. I think it's really fascinating that that there is a good chunk of, like, I would say, probably over 45 who don't really, they're exploring it, but don't know. And how do you figure that out?Gregg Lunceford 13:59  So let me ask you a question. Lesley, what is your earliest memory? Or how about how old do you think you were when someone first asked you what you wanted to be when you grow up?Lesley Logan 14:09  I remember being in elementary school, and I'm sure it was asked of me earlier, because people have told me that I said something different earlier. But I remember in fourth grade, I had to, like, write a poem about who I was and what like, what did it feel like, and what did it sound like, and what did it look like. And I said, a judge, you guys, that should shock everyone.Gregg Lunceford 14:36  My point is so since age 10, someone has been helping you develop your work identity. So people were asking you at home or in your neighborhood or a church or wherever you socialize, what you're going to be then you're going to go to a middle school and you're at the high school and they're going to assign a counselor, going to start telling you to think about college or trade school or whatever it is. Is then you got to get into career. And then whatever career you get in, maybe you're assigned a mentor that's helping you understand or think about how to advance in that career. And then you get to this point where maybe you're like late 40s or 50s. And does anybody help you figure out what your identity will be after work. Lesley Logan 15:22  No, as you're saying this. Gregg Lunceford 15:24  You're on your own. You're on your own. And the only thing that was different here is when they put you into that position where you were felt forced into retirement, right? And then there was also a safety net there in the form of a pension that doesn't exist the way it once did, and there were other government safety nets that may not exist the way they once did before, when they put you there, you just said, okay, I'll accept it, because I'm only going to be around five years anyway. So let me work on this bucket list, but you never really thought about and I think people don't really dig into thinking about what the value of work is, beyond the financial resources it provides. So they get to the tail end of their career, and some people may not even think about it anyway, either. So career, because you've spent all this time having these conversations, you start developing this identity because your work, you become what your work is, right? And so, so a lot of people look at the economic resources it provides, but work also provides for us ways to get psychological success. Who doesn't like completing a task and getting recognition, and if you're in a good working environment, right? Everyone says, Let's applaud Lesley because she did this for the team which created this opportunity for the company, which created this value that she should be recognized for, right? So that that's very important, that gives you a reason to get out of bed, that gives you a reason to thrive, and that has some value when you walk out of the work environment. How do you replace that when you go into this third age? The second thing is, work provides socialization. No matter what you think about your work colleagues, if you like them, that's great. They give you somebody that you want to see every day, that you become personal friends with, that you grow with, that you learn to care about. If you hate them, they give you something to laugh about at the end of the day. You know what that idiot Bob did today again, right? That gives that gives you more than you think, right? And so work provides socialization. And then the third thing that work provides that we often overlook is structure in your day. What to do with your time, right? And so for a lot of people, when they don't have somewhere to go, something to do that makes them feel accomplished, and people to be around that they enjoy or either get some form of comical satisfaction from, they're lost when you put them out there on their own. And so what I learned and through my research is this transition for a lot of people, is the first career transition that they've made independently, and it is scary. Lesley Logan 18:08  Yeah. I mean, when you put all that together and I'm just like, going, wow, you know, people aren't it, one of the questions we've got on the pod is like, how do you make friends as a note when you move to a new place? It's like, I mean, for us, we work for ourselves. So, like, we didn't have a place to go to make, you know, so I, my husband and I have a different experience in, like, how to find socialization and structure to our day. And, you know, like we've had to make it happen. But for so many you know, my dad, he quit his he quit his security job. Yes, guys, my 72 year old father was a security guard, but he quit it because he got frustrated. Anyways, he is back working as a crosswalk guard because he's like, I'm bored. I have nothing to do, and I'm like, but dad, we could get a hobby. We could play these game like, all this stuff. And it's because he never, ever, ever in his whole life, did anyone ever encourage developing the skills outside of work.Gregg Lunceford 19:06  Developing a retirement identity, right, developing a retirement identity. And what also makes it hard is, you know, when you are developing a retirement identity, like I said, this is your first shot at personal freedom in life. Okay, when you're growing up, you had to do what your parents told you to do. Then you became an adult, and then you had all these set of responsibilities. And so you were doing what people told you you ought to do. You were really working on your art self. So if you're going to have a family, you ought to find a job that produces enough income, you know. So you didn't really think about ideally what you wanted to do. And what is really amazing to me is I've interviewed some highly successful people that do amazing things, and when I start talking to them about forming their ideal self, the stuff they come up with is so counter to what what and who they are. It is. Is amazing to me. So I get cancer surgery or successful attorneys or engineers to say I want to learn how to write mystery novels, or I want to start a rock band. And so what it points to me, and what it what comes out to me is these are probably things that they wanted to do in the 10, in their teens, in their early 20s, all along, but they couldn't do that because society told them these are not the things a person ought to do. You know, if they want stability in terms of income, if they want respect in their community, if they want you know, the structure that around it allows them to have a family and not have to worry about things. And so now you get to this third age, and I saw all off the table. You're wiser than you've ever been. You have more financial resources than you've ever had. You know, you have more personal freedom. Now you get to, really, for the first time, work on who your ideal self, not your ought self, who you want to be. And if you get it right, you're the only person you have to hold accountable. If you get it wrong, you're the only person you have to hold accountable. And so some people go, well, Greg, what does it have to do with money? I think people who don't take time to find this identity burn through a lot of money trying to find themselves. Right? And so, when I first started this journey, I was trying to find a cohort of individuals that had finished their career, achieved financial success and had 30 years ahead of them. And what were their behaviors, and where you consistently see this is with professional athletes, right? You're out of the game early. Right? You're in your 30s, and you're Tom Brady, you're 40, but that's the long game. But you're really out in your late 20s, your early 30s, you don't have financial concerns, right? And what is the behavior? And sometimes we demonize athletes for dysfunctional behavior after Hey, but all they're showing us is who we are going to be if we don't develop a retirement identity.Lesley Logan 22:09  Yes, Greg, you are 100% correct there. I think most people, think most people will say they don't know how to manage their money and and to your research and what we've been talking about here, it's not about managing money it's about they don't know who they are without their sport because they spent, for those people, they spent, literally, since they were a child in that sport and getting so many accolades, and then all of a sudden, no one cares. No one pays attention to them. For the most part, they're not going to be on TV like, that's it. And so I think it, I think you're spot on. It's not about the money responsibility, although they might need to learn some. It's about who, who are they now that they're not playing.Gregg Lunceford 22:50  Right and so then you go, well, this athlete just went broke because they put all this money in his business. Well, they're trying to get the same accolades in business they got in sports, right? They're trying to replace that identity that made them feel good, made them feel accomplished and some people are very successful at it. Those aren't. But my point is, there has to be a road map to get that yes, and it doesn't always have to be in business. It could be in your civic activities. It could be you learning to act, or you become in sport, but you have to first of all imagine who your ideal self is. And just like you were coached and you read and you trained to build that ought self, hopefully, for some people, a lot of people, the ought self is their ideal self, and they're usually entrepreneurs like you, where you that you know what, I'm not going to go to normal path. I'm going to carve a path for myself, and entrepreneurship gives me that freedom. But for a lot of people, they have to figure out now that I've satisfied all these obligations to other people and other things, who do I ideally want to be and then work at how do I get there? Because if you go in there blindly, you're just the same as that person out of that was in sports or any other industry, you're just trying to find this quick hit to replace all of these accolades or psychological successes you got. And you can blow up a lot of money doing that. So the well being comes from getting all of these components right, not just as we were taught in the 20th century, just making sure you don't run out of money. Lesley Logan 24:26  Gregg, this is insane. So okay, so I love all of this. And it's, it's, it's like, so aligned, because I'm always like, can't be you're not gonna get right the first time. Like, we have to ditch perfection, which, of course, in workplace, it's very honed. Like, check the box. Do it right. Do it right. So you have to talk to the boss about how you did it wrong. Like, get it right. Like, so of course, when you, when you retire, if you haven't been working on these things, you're you're going to be hard on you're going to take your ought self into your retirement. So I guess, like, first of all, I don't think that most financial retirement planners do any of these questions. So when, if, when people come to you talk retirement, are you like pulling are you like asking them what their ideal, what they want their ideal self to be? Do they even know how to find it? What questions do they have to ask themselves? Gregg Lunceford 25:13  Well, we do have. We have. We have a lot of conversation about, you know, not only can you financially afford it, we can put some numbers of software and come up with that answer pretty quickly, right? But we also have a conversation about, what do you think your lifestyle will be, and why do you think this is right for you? And what do you want to accomplish? And you know, some folks will come in and say, hey, I think I want to start a small business, right? And so we might talk about them, and they don't want they don't want work again in the way they want it, but they want something to do that is work on their own terms. So a lot of this is you changing the terms of what you're doing and because when we go, especially if we go to work for a corporation or some that's usually a unilateral contract, right? The person the institution is telling you, I'll give you X amount of dollars if you do this. And you say, but what if I did a little different? No, you don't get a choice in that. This is what you got to do, right? And what we're recognizing is we do have some power in that. We do have some power. I've seen a lot of people be successful in going back to their places of work and negotiating consulting contracts. And they basically said, you know, I don't want to do nine to five, but if you have a special project that you bring on, let's say you bring you on new software, whatever, and this is going to be a nine-month project, or it's going to be something you need few hours, you know, out of the week and but I get the summers off. I'm your person for doing that. And that's how they're able to get from their ought self into their ideal self, because the time that they're not there, they now start to figure out what their personal freedom, what they really like to do. So I think of one person now, he was very successful at this, but he also was confident enough talking to his employer, because he was the head of HR, so he knew he was a little bit more comfortable. But basically what he did was he got to this point, and he was ready to make this transition now, but he didn't know what he wanted to do. So he went to and he said, look, I'm the head of HR, I got 70 people reporting to me. I'm willing to give all of my direct reports to my successor. If you help me, let me help you identify my successor, and help me groom your successor. So his role became more of coach, manager, mentor, in this last couple of years, and that was three days a week. He said the other day a week. These are institutions, nonprofit institutions, that we, as an organization, support. I want one day to volunteer with one of them, and so now they get a free executive for one day a week. That was great for the company. Worked out well. He said, then the fifth day of the week, I just want a day off. I want to see if I really enjoy leisure. Everyone tells me I'm supposed to play all these rounds of golf and lay back and relax. Let me make sure that that's the right thing for me. So he has three days a week that he is engaging in what he traditionally knows in terms of what his identity is. He has one day a week to see if he wants to change his identity in his community through his volunteerism, and he has one day a week to figure out if I just want to exit all together. And the answer is, you can do one of the three of those. You can continue doing all of the three of those. What we have now is, if you shape them correctly, is we have what are called boundary-less careers. And so this is where I think, you know, we give Millennials a bad rap. We give millennials a bad rap because we always say, well, they like to do a gig economy. They don't stay anywhere 30 years. But what they're really engaging in is today's boundary-less career, where they define success for themselves, versus going down the traditional path, which says you can only be successful by going up the pyramid. For them is, you know what? I can be equally financially successful. I can gig here, gig there, and add it all together, or I can and get this personal freedom and know how to negotiate so that I'm spending more time, just as much time developing my ideal self as I'm developing my ought self.Lesley Logan 29:21  Oh my gosh, Gregg, you just like, I think you're the first person to ever give the millennials a compliment. But thank you. Constantly find myself defending, like, I'm like, what are we talking about? Like, we're not bad, we're we're a group that's how to really fight, like, figure things out. Because when we came into the world where we got a job, like, everything was so uncertain. You know, between 911 and between, that's when I went to college, and then I got out of college, and it was like the recession, like, there's not, there's not been an opportunity to have a certainty of a 30-year career. But I think what you're, what I'm, what I love about what your saying is, like, we've actually been spending our careers figuring out who we are, and like, spending time doing that. And I am obsessed with what the example of the guy you gave, because I think so many people can start playing with that right now. So many companies are looking to go to a four day work week, you know, like, so many places are looking to have like, Okay, you're in office for some days and you're at home for other days. Like, we can look at those opportunities as ways to figure out our retirement identity. Gregg Lunceford 30:22  Right. And a lot of us get stuck in this, oh, well, I work for this large corporation. They aren't flexible. There are a lot of small, medium sized companies that are in growth mode that that model works very well. That's what they can afford. And they need the institutional knowledge and the wisdom you got to be able to and this is where we go back to talking about boundary list careers. You got to think about all of the universe and parts of it you don't even know exist. This is where your personal curiosity has to kick in to get what you want. Lesley Logan 30:53  Yeah. Yeah. Okay, Gregg, so I feel like you are a unicorn though. Like, I really do feel like, because, I mean, obviously, what a cool company, that they're like, yeah, go, take four years to figure out this idea you have, and then, like.Gregg Lunceford 31:09  Well no, they weren't that cool. That's why I'm here. Lesley Logan 31:14  Okay, that's cool. Gregg Lunceford 31:15  I kind of, I took a lot of flack as I was doing this, and because people were going, we don't understand why you're doing thi, right, and you know, we don't really understand your need to do it. And there were a few key executives that said, you know, they were really supportive of me, but overall, it was, you know, I was sort of like I was trailblazing, and people were going, you you have a very good set of responsibilities here, that you could be highly successful. Why do you want to tinker with the mouse trap? And I said, I think this would make me a better advisor to my clients, if I, if I came to understand this now, back then, and, you know, there was no one talking about psychology. I'm a certified financial planner now, the CFP exam as of I think, like two, three years ago, 11% of the exam is psychology now. But I was, I was in a very uncomfortable space, but I believed I was right. So when you start talking about, you know, be it till you see it, right, I'd be, I was in a very uncomfortable space. And this is my book, Exit From Work, I write about it in my book, but I am glad I had the journey, because I feel as though I'm a better professional, and my clients appreciate it.Lesley Logan 32:21  Yeah. I mean, like, you know, years ago, I read the book Psychology of Money, right? I think that's what it's called, or maybe it's called profit, but I think that's money. And, like, I said, like, the type of person you have to be to get money is very different than the type of person you'd be to keep the money. And I was like, like, that's, by the way, that's, like, the thing I remember from the whole book, it's, but at any rate, I remember that sticking going, hold on a second. Like, we as people have to evolve, like, one on the getting, two on the keeping, and that goes kind of along with what you're saying. Like, you know, you have to understand the emotion psychology behind all of this. Because, yes, spreadsheets are great, but with AI, like, we don't need a bunch of people do a spreadsheet anymore. So there's that we need someone to help guide us to like, well, who is it like, where is this money going? What do you want to do with it? What like was also, what if, instead of like, okay, here comes our retirement age, what if it's like, oh my gosh, like, I can't even wait, or, actually, I'm going part time now, and my retirement is part time, and I'm doing all these other things. Like, that's so cool that you, I mean, you do that, it's not easy to be a trailblazer. It's not easy to be the only person talking about it, though. Gregg Lunceford 33:27  Right. It's rewarding in the end, and so, and I think a lot of people find it liberating, because if you got 20 years, you just really want to do what people tell you you ought to do. I mean, especially when you spent the first 60 doing that. And so really, what this third age is supposed to be. It's supposed to be the most dynamic part of your life, right? It is a way to course correct or either enhance something that's already gone well for you, versus a lot of people going to retirement, because that's what retirement was when it first started off, it was really this negotiation between management and labor, where, especially, we were in an industrial society. So labor was more physical, right now we're in a service economy, so it was really more cerebral. But back then, you know, they wanted a management wanted employees who could swing a hammer so many times a minute, and that was usually somebody under age 40, and this is where we start getting age protection laws, right. And anyone over 40 they wanted out of the workforce. So, you know, retirement didn't start off as this, oh, this is this great thing, and they're going to write me checks for the rest of my life. It didn't start off as that. It really started off as you were really making someone feel devalued because you you didn't have any and so we've gone along with this model. It wasn't until maybe, like the 19 late 70s or 1980s when we went into this global recession where people started getting offered these early retirement packages to come out of companies because globally, a lot of people, a lot of companies, had financial issues to deal with. And what they weren't expecting when they let this 55 year old go is that life expectancy was starting to go up, and so now this 55 year old is now living to 80, and they got the best end of the deal. And what is happening financially right now is people are looking at their parents and grandparents who got that deal, and they're going, I can never afford to do what they did, and not realizing that that was an anomaly. And so a lot of people, socially, emotionally, feel like they're failing, and they don't want to talk about retirement because they feel as though I'll never be able to do what the person did before me and therefore there must be something wrong with what I'm doing or what me and the reality is the game is changing, and so you actually have more personal freedom than they have. And just like they walked into a unique situation, you have to craft a unique situation for you that works.Lesley Logan 36:04  Yes, that, Gregg, this is, you're a historian. You're like a life coach and like the person we all need to be thinking about when it comes to like, because it doesn't matter how I mean, obviously we're told, like, the earlier you can start thinking about retirement, the better. But people don't want to do that, like I said the beginning of this. They want to put their head in the sand, like, I can't be my grandparents, so I'm just going to keep doing what I ought to do, and just and like, we'll deal with that later. We'll figure out the number later. But I think if we can, like, start thinking about it now, it really does allow us to curate the experience we have with work, but then also set ourselves up for that third age where we can have a really good time getting to know ourselves even deeper, and not not losing money along the way.Gregg Lunceford 36:51  That's correct, because in that third age, you may convert a hobby. So I have a friend who was in banking with me. He would always go take a week or two off every year and just go to Europe and backpack. He would stay at, you know, two three star hotels. He was like, I'm not there every day. And he would just go take the most amazing pictures he bring them back to the office. And we would go, Jim, you know, you should have an art show. And he was like, Nah, they're just hobbies or whatever. And he had a hard shell, and people started buying his art. And so, you know, now in retirement, you know his joy also produces income. And so he has defined work on his own terms. It doesn't even feel like work to him. And so what a lot of people who are looking at their parents and grandparents and then going, you know, they got this pension for life, and they don't offer pensions anymore, and they didn't get sandwiched. So they didn't have the burden, financial burden of raising kids and having to take care of parents. I'm stuck. I'll never be able to do that. There's something wrong you don't understand. You now have this 20 year life bonus, where you can learn to gig, you can learn to I often point to the show The Golden Girls. I don't know if the creators of the show knew what they were doing or they intentionally did this, but look at that model. I think that's the model a lot of people are going to have to go to. And I think you touched on this a little bit earlier. You start talking about your father and your in laws. And you know, we don't have kinship the way we once did, once small, we have smaller families, right? Two, geographically we disperse, right? And so what in this planning process of your ideal self, what you also have to learn how to do is to replace kinships with friendships. So that's what was going on in that in that Golden Girls house, you had Dorothy and her mother, Sophia, that had a kinship, but where they didn't have kinship, they replaced it with their roommates with Blanche and Betty (inaudible). And so now that you have this replacement of family that you trust and you get along with, now you got four people to split your rent with, so that makes the money go longer, right? Yeah, then you start talking about what went on every day. Well, sometimes they were doing volunteer work, and then they had to spin off where they bought a hotel. So they basically were doing their own version of a gig economy, right? They were engaging as much as they wanted to or not. Then they had socialization from each other. There was always something going on in that house, right? Yes. And so, right? And then they had things to create psychological success. So I don't know if the creators of the show recognized at the time, but to me, I looked at it as sort of foreshadowing what people have to create for themselves on their own with this life bonus, and it will help them both financially, as well as their mental and their mental well being. Lesley Logan 40:00  Gregg, yes. I mean, I joke with my friends who have kids. I'm like, I just want you to know that your kid is gonna have to take care of me because I don't have kids. But really, actually, I just need to find my Golden Girls, my husband. I just need to find a co op, a little commune of all of our friend all of our friends who don't have kids, we actually like what we're being with. And we could have a great little retirement home, maybe make it a BnB. This what I what I just I'm obsessed with, and why I got excited to have you on is, you know, oftentimes the Be It Till You See It podcast really talks about, like, what we can do right now, like, for right now, what we can do to be it till we see it tomorrow, or for the thing we want next year. Or there might be some stuff I have never thought of it as like, what can we be doing right now to be it till we see it for retirement in a way that we can choose, like we get the life is literally what we want, and the research you've done, the education you've had, and how you've literally seen it implemented in unique ways, because of all this work, is so cool. It makes me excited to actually, like, look into that future. Because, like, I'm like, I'm like, I'm not gonna look past 50, because I got things to do with my job, with the job that I created for myself. It's like, oh, hold on a second. What, like, what can I be playing with right now so that I know what I'm gonna do past 50, so that I have something to look forward to. So I'm excited about it. So, Gregg, what are you most excited about right now?Gregg Lunceford 41:20  I'm excited about I'm writing and researching and learning about the person I'm becoming. So and so I often joke with my clients, but I'm really not joking. They'll come back and they'll tell me some amazing experience they had, and I always tell them, leave me a list of notes so I know where to start when it comes to my time, and I say that jokingly, but it's something it is serious. What we all need to start to focus on right now is just like we had that career guidance counselor helping us and coaching us. And to that next thing, we need to start taking time to figure out that action plan for that next thing. And once you start to figure out I need to form a retirement identity and understand my ideal self, you start to self motivate and become excited about it. So what I really enjoy about what I've done through my work, whether it be here as an advisor or through my research, is that I'm helping people understand that they have a lot to be encouraged by, right? You're going to get 20 years to do whatever it is you want to do. And what I also want people to be understanding of. You don't have to leave the workforce if you're doing something awesome already. Just keep doing it. And if you want to modify that in some kind of way, figure out a plan, or figure out your terms and how to negotiate those terms. Say you can do that. Lesley Logan 42:51  Oh, I just like each answer. I just get more excited for people. I'm excited for myself. Like, I'm like, wow, this is so fun. We're gonna take a brief break and then find out where people can find you, follow you, work with you and your Be It Action Items. Lesley Logan 43:00  Okay, Gregg, where can they connect with you? You have a book, Exit From Work, but where, where can they go to chat with you, work with you like, get more ideas about their retirement identity?Gregg Lunceford 43:14  Sure, so I can be reached at mesirow.com so our website, M-E-S-I-R-O-W dot com, on that, if you put in my name in our search engine, Gregg Lunceford, you'll come up with my team web page. We'll have my bio, my contact information, also a list of all my publications. Also, if you're interested in my book, Exit From Work. This can be found on amazon.com, and I'm always encouraged by people who take time to drop me a note, or we didn't even go into I talked about the Golden Girls situation. We didn't even go into their academically based retirement communities. Now, basically, instead of dormitory you lived in when you were in your late teens and 20s, now people are going back to retire near where they went to school. So they now have, because we don't have these kinships, they're now bracing building friendships based on the fact that they're alumni, or they love the school and and so it's sort of like this, you were living in the Golden Girls subdivision, maybe. Lesley Logan 44:15  Oh, my God. Gregg Lunceford 44:15  So there are all kinds of things that are going on right now, and I just, I write about it in my book too. I just want people to learn about that so they don't feel as though they're confined to what they saw their parents do. Lesley Logan 44:27  Yeah, yeah. Oh my gosh, Brad, when you listen to this, we'll choose your school, because he went to music school, so we'll choose that one.Gregg Lunceford 44:37  He could, he could probably teach all the people I know they want to start a rock band. Lesley Logan 44:41  Yeah, yeah, yeah, him and his buddies. That could be their whole little they would love it. Okay, you've given us a lot, but I do want to dive into the bold, executable, intrinsic or targeted steps people can take to be it till they see it. What do you have for us?Gregg Lunceford 44:56  Okay, so what you first have to do is you have to create a vision. And if you have a partner, it is very important that that be a shared vision. The last thing we want to do is get to the end of our career and then have conflict with our partner. And a lot of that happens because most couples do not talk about retirement. They don't even know if the other partners is saving for retirement. Like 40% couples don't even talk about this. Don't even do the calculation to get past them. So so if you haven't even done the basics on that end, talking about this thing you aspire to be is very difficult because And so last thing you want to do is you both jump in it, and then you you're stuck and you're unhappy. So create a vision. If you have a partner, make sure that's a shared vision. And then start talking about goals. Engage someone like myself, who's a financial planning professional, to help you see how you can align your financial wherewithal with those goals. And then think differently. Think about being your best self at this stage, not being someone who society just said it's time for you to leave, because that's not the case. You have more value to offer a lot of people than you think.Lesley Logan 46:07  I do, I love that. This is an episode I really hope my in-laws actually listen to. I really am. I'm actually just really excited for even our our listeners who who are like, you know, they might be in there. They might be, like, 15, 20 years away from retirement, but, or even 10, but, like, we have a bunch of them, and I hope this helps them rethink that, because I think sometimes there's a fear to, oh, my God, you know. And you just said it like being the system has told them that they're done, but you're not done. And so I just you've given, like, so much excitement around this topic, and joy and possibility. So Gregg, thank you for being you. You all, how are you going to use these tips in your life? We want to know. Make sure you tell Gregg Lunceford your takeaways. I'm sure it will make his day. Share this with friend who needs to hear it, that friend who's like, so worried all the time, like, absolutely needs this. And you know what to do until next time, Be It Till You See It. Lesley Logan 47:01  That's all I got for this episode of the Be It Till You See It Podcast. One thing that would help both myself and future listeners is for you to rate the show and leave a review and follow or subscribe for free wherever you listen to your podcast. Also, make sure to introduce yourself over at the Be It Pod on Instagram. I would love to know more about you. Share this episode with whoever you think needs to hear it. Help us and others Be It Till You See It. Have an awesome day. Be It Till You See It is a production of The Bloom Podcast Network. If you want to leave us a message or a question that we might read on another episode, you can text us at +1-310-905-5534 or send a DM on Instagram @BeItPod.Brad Crowell 47:44  It's written, filmed, and recorded by your host, Lesley Logan, and me, Brad Crowell.Lesley Logan 47:49  It is transcribed, produced and edited by the epic team at Disenyo.co.Brad Crowell 47:54  Our theme music is by Ali at Apex Production Music and our branding by designer and artist, Gianfranco Cioffi.Lesley Logan 48:01  Special thanks to Melissa Solomon for creating our visuals.Brad Crowell 48:04  Also to Angelina Herico for adding all of our content to our website. And finally to Meridith Root for keeping us all on point and on time.Support this podcast at — https://redcircle.com/be-it-till-you-see-it/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Retirement researcher Stefan Sharkansky explains why the 4% rule often leaves retirees underspending — and how a more flexible, math-driven approach can lead to a better retirement experience. For decades, the 4% rule has been treated as a gold standard for retirement spending. In fact, I made video about it on my YouTube channel. If you ask most retirees how much they can safely spend, the conversation quickly turns to probabilities, simulations, and avoiding failure. But what if the real risk isn't running out of money — it's not using it well? In this episode of Retire Today, I'm joined by Stefan Sharkansky, whose background in math and computer science led him to question how retirement spending strategies are actually designed — and what they optimize for. As Stefan put it plainly, “Under the average market scenario, following the safe withdrawal rate of 4% would leave you with more when you passed away than when you started.” In other words, many retirees are leaving too much money on the table in their retirement spending plan. The Problem With “Safe” Withdrawal Rates Most retirement spending research focuses on one outcome: not running out of money. Advisors often present plans as probabilities — a 90% or 95% chance of success — where “success” means the portfolio never hits zero. But this framing runs the risk of missing what retirees actually care about. After all, if you have a 90% probability of success, what that really means is that 89% of the time, you could have spent more. That insight flips traditional planning on its head. Instead of asking, “What's the safest amount I can withdraw?” the better question becomes, “What level of spending lets me live well — while staying adaptable if conditions change?” Why Retirement Spending Isn't Constant One major flaw in the 4% rule is the assumption that spending stays flat year after year. Real life doesn't work that way. Spending often starts higher in early retirement with travel and experiences, dips in later years, then rises again due to healthcare needs. Taxes also change as retirees shift between taxable accounts, IRAs, and Roth accounts. As Stefan noted, “This idea of constant spending never exists in the real world.” Any retirement spending plan that assumes otherwise is solving the wrong problem. A Salary-and-Bonus Approach to Retirement Stefan's research introduces a different framework — one that mirrors how people actually lived during their working years. He described a model where retirees create: A stable, inflation-protected income base using Social Security and a ladder of TIPS (Treasury Inflation-Protected Securities) A variable ‘bonus' income driven by long-term stock performance “You have your salary from Social Security and your TIPS,” Stefan explained, “and then you get a bonus based on how the stock market does.” In strong markets, spending can increase. In weaker years, spending adjusts — while working to help maintain long-term security. The key is that adjustment is assumed, not treated as failure. Rethinking Risk Tolerance Traditional risk tolerance focuses on portfolio volatility — how much account values swing up and down. Stefan argues retirees should think differently. “Risk tolerance should be about how much variability in income you're comfortable with,” he said, “not just what percentage of stocks and bonds you hold.” Some retirees prefer a higher guaranteed income floor with less variability. Others are comfortable with more income fluctuation in exchange for higher long-term spending. The right plan aligns income stability with personal preferences — not arbitrary rules. Why This Matters Many retirees say the 4% rule “doesn't work for them” — not because it's unsafe, but because it doesn't generate enough income to support the life they want. Stefan's research shows that when you plan for flexibility, rather than perfection, you can often spend more, not less — while still maintaining control. The goal isn't to maximize your ending balance. It's to maximize your retirement experience. Ultimately, you need to make your retirement spending plan in a way that not only is within your means, but meets your retirement goals.  Don't forget to leave a rating for the “Retire Today” podcast if you've been enjoying these episodes! Subscribe to Retire Today to get new episodes every Wednesday. Apple Podcasts: https://podcasts.apple.com/us/podcast/retire-today/id1488769337  Spotify Podcasts: https://bit.ly/RetireTodaySpotify About the Author: Jeremy Keil, CFP®, CFA is a retirement financial advisor with Keil Financial Partners, author of Retire Today: Create Your Retirement Income Plan in 5 Simple Steps, and host of the Retirement Today blog and podcast, as well as the Mr. Retirement YouTube channel. Jeremy is a contributor to Kiplinger and is frequently cited in publications like the Wall Street Journal and New York Times. Additional Links: Buy Jeremy's book – Retire Today: Create Your Retirement Master Plan in 5 Simple Steps Is the 4% Rule Outdated? New Research Reveals the TRUTH – Mr. Retirement YouTube Channel Stefan Sharkansky on LinkedIn TheBestThird.com  Connect With Jeremy Keil: Keil Financial Partners LinkedIn: Jeremy Keil Facebook: Jeremy Keil LinkedIn: Keil Financial Partners YouTube: Mr. Retirement Book an Intro Call with Jeremy's Team Media Disclosures: Disclosures This media is provided for informational and educational purposes only and does not consider the investment objectives, financial situation, or particular needs of any consumer. Nothing in this program should be construed as investment, legal, or tax advice, nor as a recommendation to buy, sell, or hold any security or to adopt any investment strategy. The views and opinions expressed are those of the host and any guest, current as of the date of recording, and may change without notice as market, political or economic conditions evolve. All investments involve risk, including the possible loss of principal. Past performance is no guarantee of future results. Legal & Tax Disclosure Consumers should consult their own qualified attorney, CPA, or other professional advisor regarding their specific legal and tax situations. Advisor Disclosures Alongside, LLC, doing business as Keil Financial Partners, is an SEC-registered investment adviser. Registration does not imply a certain level of skill or expertise. Advisory services are delivered through the Alongside, LLC platform. Keil Financial Partners is independent, not owned or operated by Alongside, LLC. Additional information about Alongside, LLC – including its services, fees and any material conflicts of interest – can be found at https://adviserinfo.sec.gov/firm/summary/333587 or by requesting Form ADV Part 2A. The content of this media should not be reproduced or redistributed without the firm’s written consent. Any trademarks or service marks mentioned belong to their respective owners and are used for identification purposes only. Additional Important Disclosures

Most people are taught to save, invest in a 401(k), and hope it all works out in retirement. But what if that system isn't designed to give you control when you need it most? For many in midlife, rising debt, taxes, and long-term care costs expose the cracks in traditional financial planning. That's why today's guest matters.We're joined by Brent Kesler, founder of The Money Multiplier, to break down an alternative approach to building and using wealth. Brent shares how he went from nearly $1 million in debt to debt-free in just over three years by rethinking cash flow, private family banking, and dividend-paying whole life insurance. He explains how this strategy can be used to pay off debt, invest in real estate, fund retirement, and maintain control of your money — without relying solely on Wall Street or traditional retirement accounts.My website with more Medicare resources, books, courses, and more: https://prepareformedicare.comI recommend my wife's Medicare insurance agency, but there's never any obligation or pressure to work with her team. Here's more information if you're interested: https://brickhouseagency.comThe Matt Feret Show is about thriving in midlife, retirement, and beyond. Each week, Matt shares smart conversations on Medicare, Social Security, retirement planning, health, wealth, wellness, caregiving, and life after 50.Explore more episodes and sign up for The Matt Feret Newsletter: TheMattFeretShow.comNeed Medicare help? Book a no-obligation consultation: BrickhouseAgency.comWatch full episodes on YouTube: The Matt Feret ShowSubscribe on Apple, Spotify, or YouTube for more insights on wealth, wisdom, and wellness in retirement. Hosted on Acast. See acast.com/privacy for more information.

Before welfare offices and Social Security checks, there was something older and far more personal. There was each other. When I look at my own ancestors, this shows up clearly. They lived on farms where the nearest neighbor might be a mile away. Today, that sounds distant. In their world, it was close enough to matter. That mile represented connection, not isolation. It meant someone could walk over if they had to. It meant help was available, even if it took effort to reach it. Those neighbors mattered because life demanded cooperation. Weather did not wait. Crops did not pause. Illness did not schedule itself conveniently. When something went wrong, there was no hotline to call and no agency to apply to. What existed instead were people who knew each other's land, habits, and circumstances... Podcast Notes: https://ancestralfindings.com/before-safety-nets-there-was-each-other/ Ancestral Findings Podcast: https://ancestralfindings.com/podcast This Week's Free Genealogy Lookups: https://ancestralfindings.com/lookups Genealogy Giveaway: https://ancestralfindings.com/giveaway Genealogy eBooks: https://ancestralfindings.com/ebooks Follow Along: https://www.facebook.com/AncestralFindings https://www.instagram.com/ancestralfindings https://www.youtube.com/ancestralfindings Support Ancestral Findings: https://ancestralfindings.com/support https://ancestralfindings.com/paypal  #Genealogy #AncestralFindings #GenealogyClips

Tax talk gets real when it changes how much cash you keep. We sat down with CPA and beauty industry specialist April McDaniel to decode the $25,000 tip income deduction, the permanent FICA tip credit now available to salons and spas, and the exact systems owners need to make tip reporting airtight. April explains who qualifies, why married filing separately is a deal-breaker, and how income thresholds and documentation rules will shift between 2025 and 2026.We get tactical about payroll and accounting. If your team receives tips by cash, card, or apps, those amounts must flow into the correct W‑3 box for Social Security tips, or you risk losing credit and triggering notices. April shares a copy‑and‑paste email you can send to your payroll provider, why the FICA tip credit reduces your payroll tax deduction to avoid double dipping, and how credits pass through on K‑1s. We also surface a hidden risk: when employees add unreported tips at tax time, the IRS can bill the salon for the employer FICA match on that extra income.Beyond compliance, we focus on financial literacy as a growth engine. Proper tip reporting strengthens your team's access to mortgages, car loans, Social Security, and disability benefits, raising the professional profile of stylists and estheticians. We discuss why many who tried booth rent are returning to strong employee salons, how to read clean financials, and where owners slip on deductions. Heads up for 2026: many workplace meals and celebration meals lose deductibility, while international and cruise conference deductions have tight rules—plan with your CPA before you spend.If you're heading to our NEXT event in Austin, bring your year-end statements and questions. We'll help you tighten reporting, protect cash flow, and make smarter bets using break‑even and ROI. Enjoy the conversation, subscribe for more practical beauty business strategy, and share this episode with an owner who needs clarity on tips and taxes.To learn more about how Strategies can help you create more profit, fun, and growth potential for you, your business, and your team, schedule a free 60-minute strategy session: Strategies: https://www.strategies.comSalon/Spa Business Coaching: https://strategies.com/memberships/In-Person Salon/Spa Seminars: https://strategies.com/educationPodcast: https://strategies.com/podcast/Instagram: https://www.instagram.com/strategiesteam Facebook: https://www.facebook.com/strategiesOnline Education Portal: https://learning.strategies.com/The Beauty Business Strategies Podcast is designed to give salon, spa, medspa, barbershop, and lash studio owners, just like you, quick tips to make more money, inspire your team, and create world-class client experiences.

The Social Security Administration says members of Elon Musk's DOGE team working at the agency accessed and shared sensitive data. The latest disclosure from the Trump administration seemed to confirm some key concerns first raised in a whistleblower complaint filed by the agency's chief data officer, Chuck Borges. Geoff Bennett spoke with Borges and his lawyer, Debra Katz. PBS News is supported by - https://www.pbs.org/newshour/about/funders. Hosted on Acast. See acast.com/privacy

Navy SEAL leadership traits aren't complicated— they're executed under pressure: cover and move (teamwork), simplify the mission, prioritize and execute, and decentralized command (empowerment). If you've ever led a team in business or a federal agency and felt moments of chaos, this framework will feel immediately practical—click “Show More” for the full breakdown.

When it comes to retirement, the biggest mistake couples make is staying silent about money — and it could cost them. On this episode, Kevin Madden break downs why both spouses must stay engaged in financial planning, how to build predictable income for life, and the truths behind popular retirement myths like the 4% rule. They also explore strategies for creating your own “personal pension,” staying protected during market swings, and making smart decisions with Social Security and long-term savings. A practical, down‑to‑earth conversation for anyone seeking clarity and confidence in retirement planning. Get Your Complimentary Retirement Roadmap Your roadmap will include: A retirement income strategy A test to see how long your money will last A tax-planning strategy See omnystudio.com/listener for privacy information.

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode.Welcome to Season 6, Episode 2 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of Why Most Social Security Claims Matter to Your ERISA Disability Case.Most people don't realize how much their Social Security disability claim can shape the outcome of an ERISA Long-Term Disability case. While these are technically separate systems, ERISA carriers rely heavily on what's contained in your Social Security file to decide whether to pay benefits, reduce them, or deny them outright. Insurers aren't just looking at a diagnosis - they scrutinize medical records, treatment history, work background, daily activities, and the statements you made throughout the Social Security process, all with an eye toward consistency. In this episode, we break down why Social Security evidence plays such a critical role in ERISA disability claims. We explain what carriers look for in your initial application and reconsideration filings, identify the key documents within your Social Security file that insurers focus on most, and show how consultative exams, vocational opinions, or missing information can be used against you. We also discuss why timing matters - from when a claim is filed to how denials, approvals, and appeals can impact an ERISA review. By the end of the episode, you'll understand that securing your Long-Term Disability benefits isn't just about proving you're disabled - it's about documentation, alignment, and knowing exactly how insurers evaluate your Social Security record.In this episode, we'll cover the following topics:One - What ERISA Carriers Look for in Your Initial or Reconsideration Social Security ClaimTwo - Congratulations, You Won Your Social Security Case! Now What?Three - How ERISA Carriers Use a Favorable Social Security Decision to Deny or Terminate BenefitsWhether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it.Listen to Our Sister Podcast:We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/Resources Mentioned in This Episode:LINK TO ROBBED OF YOUR PEACE OF MIND: https://mailchi.mp/caveylaw/ltd-robbed-of-your-piece-of-mindLINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://mailchi.mp/caveylaw/professionals-guide-to-ltd-benefitsFREE CONSULT LINK: https://caveylaw.com/contact-us/Need Help Today?:Need help with your Long-Term Disability or ERISA claim? Have questions? Please feel welcome to reach out to use for a FREE consultation. Just mention you listened to our podcast.Review, like, and give us a thumbs up wherever you are listening to Winning Isn't Easy. We love to see your feedback about our podcast, and it helps us grow and improve.Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qualified professionals.

Ever made a money move that felt right then immediately wondered if you just emotionally invested in a bad idea? We've all done it. Some of us have receipts. Joe Saul-Sehy, OG, and Neighbor Doug tackle one of the trickiest parts of personal finance: knowing when to trust your gut and when your gut needs to sit down and let the math speak. Because here's the thing. Most Stackers aren't struggling because they don't know what a Roth IRA is. You're struggling because real life decisions don't happen in a spreadsheet. They happen in the middle of a busy Tuesday, with a dozen tabs open in your brain and a million little "what ifs" fighting for attention. So the guys dig into how intuition works (and when it betrays you), and why data is powerful until you start using it to talk yourself into doing something dumb with extra steps. You'll also hear how the best financial plans aren't built on perfect predictions but on repeatable decisions. Plus the episode veers into some surprisingly useful territory with Costco membership strategy, the hidden psychology of "good deals," and how advisors use tools to help optimize Social Security choices without making you feel like you need a PhD in government paperwork. What You'll Learn: How to tell the difference between good intuition and financial anxiety in a trench coat Why data can be a superpower or a weapon you use against yourself The role of AI and research in decision making and what it means for everyday people How OG thinks about sticking to a plan when emotions get loud Why "a deal" can be a budget win or a trap door What a Costco membership is really doing to your spending habits The Social Security optimization tools advisors use and why timing decisions matter This Episode Is For You If: You've made emotional money decisions you later regretted You either overthink every financial choice or jump too fast without enough info You're not sure when to trust your instincts versus when to run the numbers You want to make confident decisions without needing perfect information You're tired of second guessing yourself every time money is involved Questions to Think About: When was the last time your gut feeling saved you financially or cost you money? Are you more likely to overthink decisions with too much research or jump too fast without enough? Drop your answers in the comments or the Basement Facebook group because finding your balance between intuition and data might be the unlock you need. FULL SHOW NOTES: https://stackingbenjamins.com/should-you-trust-your-gut-or-data-1795 Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.stackingbenjamins.com/201 Enjoy! Learn more about your ad choices. Visit podcastchoices.com/adchoices

For single retirees, Social Security isn't just another filing decision. It's the foundation of the entire retirement income plan. In this episode, we explain why claiming decisions matter more when there's no spouse, no survivor benefit, and no backup income stream. We walk through the four filters we use with single clients, including prior marriages, life expectancy, retirement income needs, and the tradeoffs between delaying Social Security and drawing from investment assets. We also discuss the emotional side of these decisions—fear of running out of money, fear of dying too early, and the pressure of making irreversible choices alone. This episode isn't about finding the "perfect" strategy. It's about building a plan you can stick with, even when markets and assumptions don't cooperate. Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms. 

Are you anxious about an abrupt transition to retirement? In this episode of Retirement Answers, I share the concept of phased retirement, where you can gradually reduce work hours or stress levels instead of stopping work entirely. I explain the financial and emotional benefits, offering practical advice for a smoother, more comfortable path to retirement.

Brian and Jeremiah tackle a fast-moving financial landscape—where market volatility, tariff headlines, and economic uncertainty can push investors into emotional decision-making. The show explores a proposed 10% cap on credit card interest rates, debating whether it's consumer protection or government overreach, and how limiting risk can also limit opportunity. They connect today's headlines to long-term strategy, using the BetterBuckets® strategy to explain how separating money into stability, income, and growth "buckets" helps investors stay disciplined when markets fluctuate. Through practical examples, they show why reacting to short-term fear can derail long-term financial success. The show also features in-depth retirement planning guidance, including Roth conversion strategy, required minimum distribution (RMD) planning, Medicare IRMAA impacts, and the decision of when to claim Social Security. Listeners learn how tax efficiency, cash-flow planning, and understanding the ripple effects of financial decisions can create flexibility and reduce surprises in retirement.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Jeremiah Bates & Brian Wiley ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

Patrick introduces his core philosophy through the book's metaphor: the canoe represents a solid foundation of guaranteed income (funded primarily by Social Security, pensions if available, or properly structured income annuities and bond ladders) to cover essential expenses like housing, food, and insurance—creating calm even in rough markets. The current is the growth-oriented, time-segmented investment portfolio (short-, mid-, and long-term buckets) that fuels lifestyle, joy, vacations, gifting, and reinvestment when markets perform well. By separating essentials from discretionary “pleasure” spending, retirees avoid panic-selling during downturns, stop chasing unrealistic returns, and harvest gains opportunistically—leading to greater confidence, financial security, and freedom.

Paul shares a clip this morning that shows just how low the standard is for what financial media views as “credible” investing information. Listen along to hear an interview with Cathie Wood, CEO of Ark Invest, where she discusses the mistakes she learned from in 2025, which cost investors millions, and tries to get airtime to spin the 35% drop in Bitcoin as a victory in this market. Then, Paul addresses a listener who works a very physically demanding job and is in a tricky position, where long-term disability insurance is very expensive, and it's possible that they won't remain employed until retirement age. Paul shares some options for supplementing your income if you are not yet at the normal Social Security age.   Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.   This material is for general educational purposes only and is not personalized investment, financial, tax, or legal advice. Past performance does not guarantee future results. Nothing here is an offer, solicitation, or recommendation for any security or strategy. All financial decisions involve risk, and you should consult qualified professionals before acting on this information. Advisory services offered through Paul Winkler, Inc., an SEC-registered investment adviser.

Senator Warren Hamilton joins me to discuss the list of bills he has authored this legislative session in the state of Oklahoma. These include banning foreign ownership of land, banning sharia law, raising the age of marriage to 18, and age requirements for AI Chatbots. Enjoy!   And check out my amazing sponsors!    Motus Health - (405) 494-0165 https://motushealth.com From spinal and knee decompression, functional neurology, weight loss support, neuropathy treatment, and personalized nutraceutical supplementation— they help you restore brain function, reduce inflammation, and reclaim your vitality. Visit MotusHealth.com today to schedule your consultation and start feeling your best!  Motushealth.com or call (405) 494-0165 ."  Michael Mcguire with McGuire Capitol Michael prides himself on providing retirement income strategies to Bethany, OK and the surrounding communities. He will take a look at your assets — including everything from your bank accounts, pension, and Social Security benefits, to your estate plans, wills, taxes, insurance policies and more. His end goal is to help create financial clarity and to promote multi-generational wealth.   https://mcguirecap.com or call Michael directly at 405-760-5863.   Stevens Trucking With over 1,600 trailers, we are able to offer a drop-and-hook solution to keep your freight moving quickly and secure. While also helping our drivers get extra miles so they can keep on pullin' more loads. https://stevenstrucking.com

Watch The X22 Report On Video No videos found (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:17532056201798502,size:[0, 0],id:"ld-9437-3289"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");pt> Click On Picture To See Larger Picture Trump trolls the climate people, temps are going down and there incredible amount of snow. China pushes forward with Silk road. Canada/China try to go around Trump’s tariff system and he warns Carney to stop. The people have been dependent on the government and its because of the [CB]. The [CB]/China are trying to stop Trump’s tariffs. Countries want their gold back. The [DS] is taking the information war and now moving to a physical war. The war is between the American people and the criminal syndicate. The [DS] want Trump to use the insurrection act during the midterms, this way they can use the narrative that he is going to stop the elections. Hold the line, the people are waking up. Trump’s counterinsurgency is getting bigger. Trump will not act until he has the leverage, buckle up its going to get bumpy.   Economy https://twitter.com/disclosetv/status/2015283109235732576?s=20 (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:18510697282300316,size:[0, 0],id:"ld-8599-9832"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");   https://twitter.com/WallStreetApes/status/2014838127677030845?s=20  work, I lose my food stamps, I lose my health insurance and we’re only getting $100 back on taxes. Huh? This is why people don’t want to work because why am I working my butt off and losing all that stuff and still living paycheck to paycheck when I was living paycheck to paycheck before, but I at least had food stamps and health insurance and got $7,000 back. Yeah, how’s that math mathing?”  Repatriate The Gold’: German Economists Urge Withdrawal From US Vaults Shift in relations and unpredictability of Donald Trump make it ‘risky to store so much gold in the US', say experts  Germany is facing calls to withdraw its billions of euros' worth of gold from US vaults, spurred on by the shift in transatlantic relations and the unpredictability of Donald Trump. Germany holds the world's second biggest national gold reserves after the US, of which approximately €164bn (£122bn) worth – 1,236 tonnes – is stored in New York. Emanuel Mönch, a leading economist and former head of research at Germany's federal bank, the Bundesbank, called for the gold to be brought home, saying it was too “risky” for it to be kept in the US under the current administration.  “In the interest of greater strategic independence from the US, the Bundesbank would therefore be well advised to consider repatriating the gold.” Source: zerohedge.com Trump Suggests He Can Send $2,000 Tariff Rebate Checks Without Congress  Bessent has also suggested the $2,000 benefit might not take the form of direct cash disbursements.  the Treasury secretary said while he had not yet finalized details with Trump, the “dividend could come in lots of forms,” such as through tax reductions already under consideration—including exemptions for tips, overtime pay, and Social Security benefits, among other deductions. Source: zerohedge.com Political/Rights Anti-ICE Singer Bad Bunny Reportedly Planning to Wear a Dress at Super Bowl Halftime Show to ‘Honor Queer Icons'  Bad Bunny, the anti-Trump, anti-ICE, Puerto Rican rapper, whose real name is Benito Antonio Martínez Ocasio, is reportedly planning to wear a dress to “honor queer icons” during his Super Bowl halftime performance. The artist has a history of wearing skirts, dresses, and other bizarre costumes. According to a Radar Online report, Ocasio will wear the dress at the NFL's biggest game of the year to “honor Puerto Rican queer icons and generations of drag, resistance and cultural rebellion.” The report states: Source: thegatewaypundit.com https://twitter.com/mrddmia/status/2014745821682483678?s=20 https://twitter.com/disclosetv/status/2014735703490334753?s=20 DOGE  dramatic, final, and beautiful conclusion. I would also like to thank President Xi, of China, for working with us and, ultimately, approving the Deal. He could have gone the other way, but didn't, and is appreciated for his decision. PRESIDENT DONALD J. TRUMP Geopolitical https://twitter.com/KurtSchlichter/status/2015086947782525422?s=20    War/Peace   DONALD J. TRUMP PRESIDENT OF THE UNITED STATES OF AMERICA Medical/False Flags https://twitter.com/TheChiefNerd/status/2014517087830491440?s=20 [DS] Agenda https://twitter.com/gatewaypundit/status/2015410989953433956?s=20    BREAKING: Magistrate Judge Orders Release of Minnesota Church Protestor William Kelly All three Minnesota church protestors have now been released from federal custody. Nekima Levy-Armstrong, Chauntyll Allen, and William Kelly, A federal magistrate judge on Friday ordered the release of William Kelly, the far-left agitator who stormed a St. Paul church and harassed parishioners on Sunday. William Kelly was arrested and charged with conspiracy to deprive rights, a federal crime, and violating the FACE Act 18 USC 248 for his involvement in the St. Paul church riots. Kelly was wearing his signature “F*ck Trump” beanie when he was taken into custody. On Friday, Magistrate Shannon Elkins said there was no basis for pretrial detention.   Source: thegatewaypundit.com https://twitter.com/AAGDhillon/status/2015140496344314364?s=20  https://twitter.com/StephenM/status/2014479574847967639?s=20    https://twitter.com/AGPamBondi/status/2015219042441699797?s=20 https://twitter.com/MrAndyNgo/status/2015263298669707666?s=20   to protect people of color. Renee Good was shot dead two weeks earlier after accelerating her SUV toward a federal agent. https://twitter.com/amuse/status/2015259764800770348?s=20   were merely carrying for self-protection he wouldn’t have had that many rounds on him – it is clear he was prepared to kill as many officers as possible. He didn’t bring his permit or ID (it is illegal to carry in MN without both).   https://twitter.com/redsteeze/status/2015275183591010331?s=20 https://twitter.com/joeybeastmarket/status/2015154134849028324?s=20  his gun. Leftists cannot comprehend agency and therefore believe instead that he literally spawned on the sidewalk and through a series of fascist coincidences he was executed for exercising his constitutional right to do whatever he wants without consequences   1. Pretti engaged in obstructive behavior. 2. Pretti committed a felony assault against a federal officer while armed. 3. Pretti resisted arrest while armed. 4. The fact that Pretti had a gun was revealed to all Officers there. So a person for whom there was PC he had committed a violent felony, was resisting arrest, and was armed with a firearm were among the totality of circumstances known to the Officer at the time he used deadly force. Use of deadly force policy does not require the Officers to wait until they are attacked. https://twitter.com/prayingmedic/status/2015144823909728529?s=20 and assumes the suspect is going to begin shooting, so the cop kills him.   Great State of Minnesota? We are there because of massive Monetary Fraud, with Billions of Dollars missing, and Illegal Criminals that were allowed to infiltrate the State through the Democrats' Open Border Policy. We want the money back, and we want it back, NOW. Those Fraudsters who stole the money are going to jail, where they belong! This is no different than a really big Bank Robbery. Much of what you're witnessing is a COVER UP for this Theft and Fraud. The Mayor and the Governor are inciting Insurrection, with their pompous, dangerous, and arrogant rhetoric! Instead, these sanctimonious political fools should be looking for the Billions of Dollars that has been stolen from the people of Minnesota, and the United States of America. LET OUR ICE PATRIOTS DO THEIR JOB! 12,000 Illegal Alien Criminals, many of them violent, have been arrested and taken out of Minnesota. If they were still there, you would see something far worse than you are witnessing today https://twitter.com/MrAndyNgo/status/2015288336189952066?s=20     https://twitter.com/DHSgov/status/2015273624174023098?s=20   was found in possession of a bag containing several similar devices. The subject was arrested. https://twitter.com/amuse/status/2015293685336846546?s=20   https://twitter.com/MrAndyNgo/status/2015217649442013493?s=20   , which has become popular for the far-left in organizing violence due to its reach with mainstream liberals. Wagner has branded himself on the neck with the gang tattoo of the Antifa “Iron Front” logo, similar to how neo-Nazis brand themselves with fascist symbols. https://twitter.com/JackPosobiec/status/2015223657593716965?s=20 https://twitter.com/GoldenAgeTimes2/status/2015181318053581196?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2015181318053581196%7Ctwgr%5Ec578672a0fd7f78278c6fea2c4ab03241a2a7051%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2026%2F01%2Ftexas-democrat-senate-frontrunner-jasmine-crockett-says-ice%2F   blanche ability to do so.”  or several signals. Let's start with a screen recording of all members of the south side group to start.  to distract the public. Same Deep State playbook. https://twitter.com/MrAndyNgo/status/2015365238862786572?s=20   https://twitter.com/ElectionWiz/status/2015245963648962850?s=20     https://twitter.com/amuse/status/2015259080470802833?s=20 Neon vests for all feds immediately.

Even as the ICE thugs roil the nation, Republicans never rest on their efforts to undermine Social Security and Medicare despite the massive popularity of those programs. Alex Lawson of Social Security Works joins Thom for a behind-the-scenes update.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Two American citizens have been killed by federal agents in Minneapolis in less than three weeks. On January 24, 2026, ICU nurse Alex Pretti was shot ten times..mostly in the back...after trying to help a woman who had been shoved to the ground by ICE agents. Video shows he was disarmed before he was killed. Within hours, DHS Secretary Kristi Noem called him a "domestic terrorist." Hours after his death, Attorney General Pam Bondi sent a letter to Minnesota Governor Tim Walz with a chilling demand: hand over your state's voter rolls, or the federal agents stay. In this episode, Robin connects the dots between the ICE occupation of Minneapolis, the expansion to Maine, and the Trump administration's nationwide campaign to seize voter data from 24 states. What emerges is a terrifying picture: immigration enforcement as political weapon, federal agents as a goon squad punishing dissent, and a roadmap to consolidated authoritarian power.The execution of Alex Pretti: What the videos show vs. what DHS claimsWitness affidavits: Shot in the back, after being disarmedKristi Noem and Stephen Miller's "domestic terrorist" liePam Bondi's extortion letter: Voter rolls for peaceWhy Minnesota? Why Maine? The pattern of targeting Democratic statesThe DOJ's lawsuit against 24 states for voter dataDOGE's secret agreement to share Social Security data with election deniersWhere this is heading: Escalation, Insurrection Act, rigged midtermsThe witness who is terrified ICE is coming for herWhere is the Democratic Party?Connect With UsInstagram: @wesawthedevilpodcastTwitter/X: @wesawthedevilFacebook: @wesawthedevilPatreon: patreon.com/wesawthedevilSupport the Show If this episode resonated with you, please:Leave a 5-star rating and review on Apple PodcastsShare this episode with someone who needs to hear itSupport us on Patreon for bonus content and early accessKeywords Alex Pretti, Minneapolis shooting, ICE, Border Patrol, immigration enforcement, Kristi Noem, Pam Bondi, Tim Walz, Minnesota, voter rolls, voter suppression, DOJ lawsuit, federal agents, police brutality, state violence, Trump administration, authoritarianism, fascism, democracy, civil rights, political commentary, news analysis, current events, January 2026, Operation Metro Surge, Maine ICE raids, Janet Mills, sanctuary cities, DHS, Department of Homeland Security, execution, American citizen, registered nurse, protest, political podcast, progressive podcast, true crime adjacent, government accountability, DOGE, voter data, election integrity, Insurrection Act, national guard, political violence, Stephen Miller, Minneapolis ICE, federal occupation, immigration policy, human rightsBecome a supporter of this podcast: https://www.spreaker.com/podcast/we-saw-the-devil-crime-political-analysis--4433638/support.Website: http://www.wesawthedevil.comPatreon: http://www.patreon.com/wesawthedevilDiscord: https://discord.gg/X2qYXdB4Twitter: http://www.twitter.com/WeSawtheDevilInstagram: http://www.instagram.com/wesawthedevilpodcast.

Foreign Options for US Citizens Summary: https://www.youtube.com/watch?v=d-Jnr3Go2Gg In this conversation, Frazer Rice of Next Vantage and Judi Galst of Henley and Partners discuss the increasing interest among U.S. citizens in exploring global mobility options amidst geopolitical chaos. We delve into the distinctions between residency and citizenship, the implications of U.S. taxation, and the motivations driving individuals to seek alternative living arrangements. The discussion also covers the potential for citizenship through ancestry, popular destinations for relocation, and investment opportunities in countries like New Zealand and Australia. Judi emphasizes the importance of understanding the legal and practical aspects of relocating, as well as the need for personal exploration before making significant decisions. Takeaways Interest in global mobility has surged among U.S. citizens. Many seek residency as an insurance policy rather than leaving the U.S. Understanding residency vs. citizenship is crucial for potential expatriates. Residency can lead to citizenship but often requires time and investment. Tax implications are complex; relocating should not be primarily for tax benefits. Ancestry can provide a pathway to citizenship in several countries. Popular destinations for U.S. citizens include Europe, the Caribbean, and New Zealand. Investment opportunities exist in countries like New Zealand and Australia. Emerging markets in South America and Asia are gaining attention. Practical steps include consulting experts and visiting potential countries. Chapters 00:00 Navigating Geopolitical Chaos: The Rise of Global Mobility 02:55 Understanding Residency vs. Citizenship: Key Differences 06:06 Tax Implications and Motivations for Seeking Alternatives 08:48 Exploring Ancestry-Based Citizenship: Opportunities and Challenges 11:54 Popular Destinations for U.S. Citizens: Europe, Caribbean, and Beyond 15:10 Investment Opportunities: New Zealand and Australia 17:59 Emerging Trends in South America and Asia 20:50 Practical Steps for U.S. Citizens Considering Relocation Transcript I’m Frazer Rice. We’re certainly living in crazy political times right now, and a lot of US citizens are worried about what’s happening here and abroad. And they’re starting to think about other residencies and citizenship options. I talked to Judy Gost at Henley and Partners about what is and isn’t possible on that front. By the end of this, you’re going to understand the locations that are interesting, the difference between residency and citizenship, and why that may matter as you make choices for your retirement and your location long-term, both for yourself and for your kids. Frazer Rice (00:00.874)Welcome aboard, Judy. Judi Galst (00:03.022)Thanks for having me. Frazer Rice (00:04.244)Well, we’re in the midst of a lot of geopolitical chaos, and I think you have seen and I’ve seen a lot of interest in United States citizens looking abroad for either places to live or other situations to either get away from the chaos or try to address some other needs in their lives. What is the state of the union? assume interest has ticked up. Judi Galst (00:27.874)Yes, I’ve seen more business than I could have ever predicted, but it’s not necessarily people that are leaving the United States. For the most part, most of the clients that I’m working with are doing it as an insurance policy. A lot of the conversations I have with a client start out with them saying, I don’t want to leave the United States, but I’m feeling unsettled and the way to mitigate the way that I’m feeling is to have options. So they want to understand what if I did want to have a guaranteed right to go live in another part of the world? What is available to me? How do I pursue this? How long will it take? Frazer Rice (01:08.434)And we’ll get into some of the technical aspects here, but one of the concepts is understanding the difference between being able to reside somewhere else and being a citizen of another country, and then how that interacts with being a citizen of the United States. Maybe take us through the comparison of residents versus citizenship. Judi Galst (01:28.748)Yeah, that’s actually a really important distinction. And it doesn’t mean that one is better than the other, but they do have different benefits. And so it’s important to understand the difference. So let’s start with residents. Residents doesn’t mean the ability to have a house in another country. It means the ability to reside legally in another country. So the US passport is very strong. You can go into a lot of different countries even without having a visa. But we can’t stay there forever. We have limits, for example, in Europe. We can go in for 90 days, but then we have to leave for 90 days before we can go back in for another 90 days. So if you become a legal resident of another country, you have the ability to live there unlimited for a certain period of time. Residency is not permanent unless there’s a path to permanent residency. So usually you’re going to have to renew it and there may be some conditions in order to maintain it. Now, how frequently you have to renew it is going to vary by the country. For example, in Greece, you can become a Greek resident via a golden visa and that is good for five years and you’ll renew for another five years. In Italy, it’s good for two years. Then you renew for another three years. In Portugal, it’s good for two years. Then you renew for another three years. And as I said, there could be conditions. So in Greece, you qualify via purchasing real estate. If you sell the real estate, you’re going to lose your golden visa, not be able to renew it. In Italy, you qualify via purchasing stock. Frazer Rice (02:51.925)Right. Judi Galst (02:55.945)If you sell the stock, you’re not going to be able to renew it. You can get some travel rights by being a resident. Usually this benefit is not as important to a U.S. person because we already have really good travel benefits with our U.S. passport. But it can often be a strategy for someone from a country with a weaker passport, say even someone living in the United States that has only a Chinese passport. If they want to go into Europe, they have to get a Schenken visa. So a strategy for them might be let me become a resident of say Greece and then I gain Schengen access. Not unlimited, but I get that 90 days out of 180 days. Finally, I would say that residency can have a path to citizenship. Usually it’s a pretty arduous path. For example, in Italy, you can become a resident. You have to live in the country of Italy for six months a year for 10 years before you’d be eligible to apply. In Greece, six months a year for seven years. But there is ultimately a path in most residency programs. Frazer Rice (03:56.755)So let’s dive into citizenship, which my predilection on that is that it’s a much more permanent component, but it’s also a much more difficult process in general. Judi Galst (04:05.646)It doesn’t necessarily have to be difficult. It really depends on what program you’re doing. But you’re right. It’s a guaranteed right. It’s very difficult for a country to take away someone’s citizenship. The other big difference is that you get a passport. So in addition to gaining the ability to live in the country that you’re a citizen of, you also get another travel document. So depending upon what treaties have been done between your country of citizenship and other countries, it may really improve your mobility. Again, U.S. passport is pretty strong. you’re U.S. passport holder, unless there’s something unexpected like a pandemic when borders close to Americans, you already have a good travel document. But it can be another mobility option. Perhaps you’re going into a country you don’t want to identify as a U.S. passport holder, or perhaps you have a weaker passport and you want to travel on a secondary citizenship passport that might improve your mobility. Where citizenship is particularly powerful is in Europe. Because if you become a citizen of one country in the European Union, you gain the right to reside and work in any country in Europe. Frazer Rice (05:11.104)And just to distinguish, how does that impact UK people after they Brexited? Judi Galst (05:16.942)Sadly, with Brexit, the UK is no longer part of the EU. So many people in the UK are quite upset about this because no, you’re not going to gain the ability as a citizen of an EU country to live in the UK, nor are citizens of the UK now able to live anywhere in the European Union as they were previously. Frazer Rice (05:36.992)So let’s apply this directly to US citizens. So US citizen taxed on worldwide wealth. Let’s start with that. sure because I just got a Twitter fight with somebody who said, well, if you’re crypto, you can move away and you’re not out of the system. I’m like, that’s just no. We’ll start with that. But taxed on worldwide wealth, good passport can travel, but there are limitations as far as how long you can stay in various countries, probably around Judi Galst (05:52.622)Mm-hmm. Frazer Rice (06:06.578)Investment options, land ownership, things like that, depending on it. Where are the benefits of that U.S. person looking for another place to either reside or gain citizenship? Judi Galst (06:20.312)Well, it’s not a tax benefit. You started out with taxes and I know when someone, a client calls and says, you know, can you tell me what my options are? I’m really sick of paying us taxes. I’m like, well, this isn’t the right call for you. Yeah. So, but it’s important to understand. It doesn’t mean you’re going to be double taxed because that is a misconception that many people have about whether they should pursue a strategy of alternative residents or citizenship, because unlike the U S and Eritrea, Frazer Rice (06:22.079)Right. Frazer Rice (06:30.08)Puerto Rico that that’s it. That’s your best bet if you’re gonna try if you’re gonna try to play games Judi Galst (06:49.774)Every other country in the world, you don’t automatically become a tax resident by being a legal resident or even by being a citizen. Usually, you’re not going to trigger tax residency unless you reside 183 days in another country, but there are some exceptions. Switzerland is 90 days. Some, like New Zealand, will say it’s 183 days, but in a 12-month period, not necessarily in a year. I’m not licensed to give tax advice, so I’m giving high-level answer to this question. But in general, just by pursuing an alternative residence or citizenship, there’s no tax consequences. And if you were to become a tax resident, many of the countries that we support programs in have treaties. So it doesn’t necessarily mean that you’re going to pay double tax, but it does mean it has to be looked at. If I am talking to a client and they really have full intention of relocating to another country, immediately I want them to have a local tax consultation, which I set up for them to understand what, if any, consequences they have to be aware of. Frazer Rice (07:50.322)And those consequences can change. did an episode probably about six months ago on the change in law in the UK. And it’s a different environment than it was even six months ago for people either going in or coming out of that country as it relates to their US intersection. So I think that the summary on all of that is, look, if you’re going there, A, don’t do it for tax purposes, B, If you’re going to do it, make sure you get local tax counsel because those relationships can be complicated and will affect your planning. Judi Galst (08:25.198)Let’s talk about why people are doing it because taxes is not the strategy. And I would say, and my clients are almost exclusively Americans. So why are people calling me about this? There’s really four key motivators that tend to come up in the conversation. The first is because they do want another mobility option. They kind of have some PTSD still from the pandemic. They remember that feeling. Frazer Rice (08:27.935)Mm. Judi Galst (08:48.226)We could all work remotely. You had the vacation house in Italy or you had the private plane and all of a sudden you couldn’t take advantage of it because all the borders are closed to you and we could only stay in the United States. So some people are just realizing there is some risk to having one mobility option and they want to have an alternative. But I would say 90 % of the conversations I have there’s some reference to a plan B. People are feeling unsettled for so many different reasons. You know, I talked to people whose family fled the Holocaust. It is literally in their DNA where their family thought it could never happen here. And that comes up in every conversation with them. But I have same sex, you know, couples, have transgender clients, I have people whose family lived in other countries where they saw the fall of democracy. And then I just have a lot of wealthy clients, and they’re diversifying their assets right now. And they want to diversify their mobility. They pay a lot of money in insurance and they say, Judy, this is just another line item. Frazer Rice (09:45.896)You Judi Galst (09:46.703)I’d say some are thinking not just about themselves, but they’re thinking about protecting generational opportunity and legacy. Some say, you know, I’m a student of history and yeah, maybe it’s going to take 10, 15, 20 years, but I’ve seen this happen before. And I want to know that my kids and my grandkids are going to have options to either live a life in another part of the world for cultural or educational opportunities or in a worst case scenario, because the U.S. isn’t where they actually want to be. And finally, I’d say it fits nicely in a diversification of asset strategy, which many, many people are thinking about right now. Maybe they don’t want to hold all their money in the United States. Maybe they don’t want to all their real estate in the United States. And there can be strategies that are separate from what I do in terms of opening bank accounts in Switzerland or Singapore or other parts of the world. But really, all the programs that I do require you to move some assets. You’re either investing in stock or venture capital or private equity or real estate. So it does complement a diversification of asset strategy. Frazer Rice (10:42.911)Cool, so let’s think about, we sort of beat the tax horse to death a little bit here, but relocating versus renouncing. And different things, know, people probably come up to you with questions, do I have to fully leave? Do I have to renounce my US citizenship? How does all of that Judi Galst (10:51.608)Mm-hmm. Judi Galst (10:58.222)Great questions. So I’ve never had a client renounce. The US right now does not limit the number of passports one can have or citizenships one can have or how many residences they can have. Now, there is a congressperson who has just decided he wants to introduce some sort of bill that’s going to eliminate dual citizenship for Americans, although most constitutional scholars feel that’s like dead on arrival. But I have to acknowledge that. So no, you don’t need to renounce. And frankly, if you have a lot of money, renouncing is quite complicated and expensive, and you need really good counsel to make that very, very significant decision. In terms of relocation, almost all of the programs that we support require little to no physical presence. You’re always going to probably have to go for biometrics and give fingerprints. But a lot of these programs, you don’t actually have to come back to that country again, except to renew it. So for people that really want it as a Plan B and have no intention of really going to live in another part of the world at this stage in their lives, there’s not an obligation for you to spend time in order to maintain the ability to live in another country if you so choose. Frazer Rice (12:08.017)One thing that comes up that people ask me about and I only vaguely understand it is the concept of being able to get citizenship via ancestry. Comes up with a lot of people of Irish descent, Germany and Austrian especially. What’s the state of that and how realistic is it across different countries? Judi Galst (12:15.993)Mm. Mm-hmm. Judi Galst (12:26.767)It’s very realistic. And in fact, I’m doing German citizenship for myself. So for anyone whose family fled due to Nazi persecution from Germany and Austria, you and all future generations are entitled to citizenship. And my friends are like, why do you want German passport? But first of all, my kids got it. So my kids can go now live and work in Europe if they want, which is great, tremendous optionality. If you remember, I said before, it’s not just Germany. It’s any country in the European Union. Frazer Rice (12:30.473)Okay. Frazer Rice (12:47.956)Right. Judi Galst (12:56.899)And it’s very affordable if you actually are entitled to it. At Henley and Partners, we have established relationships with experts, lawyers in several countries that specialize in citizenship by ancestry. It’s very complex. And every country has different rules about like, it was passed down on the mother’s side, or if there was a break in the bloodline, or if it was passed a certain generation, or if there was a name change, there’s a lot of complexity to it. But clients who think they may be eligible can contact us and we will have an assessment done. And if there is a case, we’ll refer them to someone that can help them through the process. And, you know, it can cost around 5,000, 7,500 euros versus I have clients getting EU citizenship through, you know, Malta and they’re 1.5 million out of pocket. So if you can qualify via Ancestry, I’d say certainly it’s worth considering. Frazer Rice (13:50.879)Terrific. Judi Galst (13:51.311)But don’t call me and say, like, I did 23andMe and I’m Irish. Because you do actually have to produce documents. Not a humongous list of documents, but you’re going to need naturalization certificates for the descendant. You’re going to need marriage certificates, birth certificates, and other documents. Frazer Rice (13:55.187)Ha ha ha! Frazer Rice (14:10.844)So there’s definitely an exercise involved with it, but if you can legitimately trace lineage, you may have a shot. So let’s talk about what jurisdictions are popular with United States citizens. We talked a little bit about Europe, and I’m sure there’s some, let’s call it, some that are easier than others. But then Caribbean, South America, Australia, New Zealand, maybe even Asia, what comes across your desk as being Judi Galst (14:14.094)Mm-mm. Exactly. Frazer Rice (14:40.488)more reasonable than others maybe. Judi Galst (14:43.246)So I’d say clients that I’m talking to are basically going in one of four different directions. One is Europe. For residency, we’re looking at Portugal, Greece, Italy, and Malta. Those are all great programs because they require little to no time in the country to maintain the residency rights. So for people that really have no intention of spending significant time in another country, they’re really good solutions. And for citizenship in Europe, there very limited options. There’s ancestry, which we just talked about. But the concept of citizenship by investment in Europe essentially was killed by the European Court of Justice in the spring of 2025. To give a little bit of explanation, Malta used to have a citizenship by investment program. And it basically said, do these three things, make a large gift to the Maltese economy, rent a property for six years and spend somewhere around 21 days in the country. And you will have a path. to citizenship in Malta, which is an EU country. And the EU hated it. They felt it was transactional, that the passport was being sold, and they felt that people were being granted citizenship that didn’t show a tie to the country. And when this court ruling came out and deemed Malta’s program illegal, it essentially killed citizenship by investment programs in Europe. So I don’t think you’re going to see any European Union country have a citizenship by investment program, nor any country that wants to join the EU have one. But many countries in Europe have provisions in their constitution that say, if you are an exceptional person that make an exceptional contribution to our country or to humanity, we have discretionary ability to grant you citizenship. And so there are some paths to citizenship via merit, specifically through Malta and Austria right now, as well as some other places. So that’s Europe, snapshot of Europe. Let’s talk a little bit about Caribbean, which you specifically brought up. Frazer Rice (16:35.581)Right. Judi Galst (16:40.862)So Caribbean is a path to citizenship. If you remember, said citizenship, lifelong, right? Not many countries have a path to citizenship. It’s very fast. It’s very affordable. What does it give you? So there are five countries in the Caribbean that have programs St. Kitts, Antigua, Grenada, Dominica, St. Lucia. It gives you citizenship in one of those countries. A passport, another passport that you can travel on. Right now, it’s pretty strong. You can go into Europe with it, the UK, Ireland, not unlimited, same as the US, limited amount of time. Although I’m not sure the strength of the Caribbean passports is always going to be. as strong as it is today. Europe doesn’t love these programs. And I wouldn’t be surprised if the Caribbean passports tend to get weaker. However, for a client that says to me, this is purely an insurance policy. I want to cover my kids and my kids are in their 20s because a lot of times these program kids are going to need their own investment if they’re over the age of 18 or 21. Caribbean wouldn’t be a bad place for us if we felt we wanted to get out of town for a little while. Frazer Rice (17:23.23)Sure. Judi Galst (17:50.031)The Caribbean’s a great solution for a very affordable amount, maybe 400,000 for family. You can get and make an investment in real estate that you can sell in five or seven years and your entire family can gain citizenship. So that’s Caribbean. I can pivot to something else that you want to ask a question. OK, so I actually love the program that New Zealand has out right now, especially for a high net worth person. Frazer Rice (18:05.342)Okay, no, let’s try Australia and New Zealand. Judi Galst (18:18.414)I think every high net worth person should do New Zealand. And for a couple of reasons. First of all, it’s purely investment driven. You have to move a lot of money. So it has to be for a high net worth person because they’re going to move three million US dollars to be invested in private equity, venture capital and private credit in New Zealand for around a three year period. And children up to the age of 25, provided that they’re single and not working full time can be included in that investment. There’s very little time that the family needs to spend in New Zealand. As soon as you move the money there, you gain the right to live unlimited in New Zealand. But the main applicant only has to do 21 days, and the other family members only have to enter and exit for one day in the first year. At the end of three years, provided you didn’t invest in things that have a longer holding period, but from an immigration perspective, you can liquidate your investment. And then you can become a permanent resident. So you have a lifelong right at any time to relocate to New Zealand, or you never have to go back again. English speaking, good healthcare, good education. You could have a life there, unlike I don’t think people really want to envision spending 10 years in the Caribbean. But 10 years in New Zealand, you know, there’s many industries and many things that you could be doing. And you could have a quality of life, maybe not akin to the United States, but good. So I love the New Zealand program. Australia used to have a citizenship by investment program. They do not have one any longer. There is a route that they extend to people, which they call sort of like a talent visa. So there are certain sectors that are important to Australia and they would very much like to attract talent in those sectors. Usually it’s younger talent. So when I’m talking to a client that’s over 55, it can be difficult to get you approved for it. But I’ve had people over 55 that have gotten approved. And if you have the background that Australia deems valuable, they’ll grant you a five-year visa for you and your family at no cost. Children have to be under the age of 18 or financially dependent up to age 23 to be included. But this is a visa that’s only good for five years. And if you don’t contribute to Australian society, it’s not getting renewed. Judi Galst (20:38.082)But I’ve had people from Hollywood, I’ve had songwriters, I’ve had producers, directors, people in private equity that specialize in sectors that are important to Australia. People in finance have been approved. So it’s worth considering if the idea of being able to live in Australia means something to you. Interestingly with that visa, you can also live in New Zealand. Frazer Rice (20:58.095)Okay, it’s one of those things too. If people aren’t forcing you to say, don’t hate me because I’m beautiful, that might not be a good route, but if you are talented or bring something to bear, it may be worth taking a stab at. Is it reciprocal? If you’re in New Zealand, can you go to Australia? Got it. So let’s pivot to Asia and or South America, which you hear about Singapore, you hear about… Judi Galst (21:16.194)No. Good question. Frazer Rice (21:27.131)Other different sort of haveny types of places where people place their wealth or establish family offices and South America I think is, know, think about like Uruguay and places like that which, you know, have the reputation of being the Switzerland of South America. What’s the state of play there? Judi Galst (21:44.527)So I have actually had a few clients that have done residency in Uruguay. They don’t have a formalized program, although I think a more formalized program is going to come out of there. Henley and Partners actually has a government advisory line of business, so we design a lot of these programs and we’re very active in South America. There’s a lot of interest in South America to have citizenship and residence by investment programs, so I think you’re going to see a lot coming from that region in the near term. But Uruguay does have a path to residency. You have to spend time there. Frazer Rice (21:58.611)Mm-hmm. Frazer Rice (22:12.893)Judi Galst (22:13.251)And they don’t tell you exactly how much. Yeah. But most of my clients went with the expectation that maybe they’d have to stay for 30 days and they ended up getting the visa approved faster. You have to go back every year for a period of time or not renew renewing it. But yes, there is a path in Uruguay and more in Central America. People are doing Panama. Frazer Rice (22:36.637)Costa Rica. Judi Galst (22:37.773)Costa Rica is really interesting, very affordable. know we wanted to talk a little bit about the range, but in Costa Rica, you can gain temporary residence by demonstrating you have $2,500 a month in passive income. Many people will have that with interest and dividend income. Or you could invest $150,000 in real estate. It’s a temporary residence for two years, and then you renew for another two years. But at three years, you can transition to permanent residence. As a temporary resident, cannot work for a company in Costa Rica, so you’d have to be able to work remotely. And then once you become a permanent resident, that requirement disappears. Once you are approved, you do have to pay into Social Security in Costa Rica that gives you access to health care. So it’s about $300 per application per month. But Costa Rica is very interesting, I think. Frazer Rice (23:26.67)As we go back, pivot back to Asia, are there any countries with Singapore or others that are possibilities for people in the US? Judi Galst (23:33.722)So Singapore is a possibility. However, you have to move a family office with over 200 million there, or investment levels are around 30 million, and you have to relocate, and the ability to renew it is contingent upon how much time you spend in Singapore. So I would say a very niche client could do Singapore. A more affordable option might be Thailand, which you can get a residence permit very… Frazer Rice (23:44.125)Mm-hmm. Frazer Rice (23:52.605)To be sure. Okay. Judi Galst (24:00.782)Inexpensively. mean, a five-year permit for $25,000. Frazer Rice (24:05.159)Wow. And to round out our tour of the world here, Middle East countries, maybe the UAE, you hear about that as a place where a lot of Europeans go to move their wealth. Is that becoming popular with United States citizens? Judi Galst (24:16.463)Mm-hmm. Judi Galst (24:22.381)Golden Visa in Dubai is very popular. Honestly, not so much among Americans. It’s usually people from other parts of the world. mean, my firm has 70 offices around the world and we do a lot of UAE Golden Visas. I don’t have a huge amount of interest from Americans. I’ve done a couple of them. It’s not hard. You do have to spend time, like 30 days as part of the process there. Frazer Rice (24:26.525)Mm-hmm. Judi Galst (24:46.703)You can invest in real estate at 550,000, but there’s like 19 different visa types. You can set up a company. If you’re a member of YPO, Young Presidents Organization, they’re deemed talented and they don’t even make an investment. So, you know, it’s an option and we could certainly help it. But to be honest, I don’t see huge demand among Americans. Frazer Rice (25:03.259)Interesting. So let’s round this out a little bit here. For a U.S. citizen who is feeling unsettled or is just curious what’s out there. They want the ability to go live in Madeira, buy a place there. And to be able to go unfettered or something like that. What’s a good thought process or sequence of events for them to go through in order to make that happen? Judi Galst (25:31.344)I mean, we don’t charge for consultations. So I don’t know if you’re going to share my email at the end of this, but just hit me up. To me, any client conversation is about educating. This is generally a new topic for someone. It’s very rare that someone calls me and they really understand what is available to them and also what would be a good fit for them. They may not understand if they want to include their children. There are going to be some that are going to be better fits for them than other based on the ages of the kids. They may not understand how much time they have to spend in a country to make it happen. How much it’s going to cost, and just learn about it. Learn what your options are. I can usually pretty quickly. Once I understand a client’s objectives, tell them. This is a strategy that I think makes sense for you and exactly how it would Frazer Rice (26:14.206)And it strikes me too, that for people who are exploring different places, it’s probably a good idea to have visited them first before just jumping in, jumping in feet first and sort of solving a problem without understanding what actually implementing the solution looks like. Judi Galst (26:21.111)Yeah. Yeah. Judi Galst (26:29.177)For sure. I because many of the clients that I work with are of higher wealth, they usually have done a fair amount of traveling. So the idea of envisioning, know, residency in Italy, they’ve been to Italy. But when I talk to clients, especially about the Caribbean, where they might be investing in real estate and they have to decide between which country makes the most sense, I always tell them they should try and go because it can be a lifestyle decision. And they want to see where they could actually envision themselves if, in fact, they triggered this insurance policy. Frazer Rice (26:58.59)Judy, great stuff. Here it is. Put your email out there in case people want to reach out and find out more. Judi Galst (27:05.099)Okay, amazing. So my email is my first name, Judy, J-U-D-I dot my last name, GALST, G-A-L-S as in Sam T, at henleyglobal.com, H-E-N-L-E-Y, global.com, or you can give me a call at 646-856-3712. Frazer Rice (27:29.406)Great stuff. We’re going to have that in the show notes too so people can look on webpage, etc. to get that information. Thank you so much. It’s something, you know, when you’re at the desk and dreaming wistfully about what life looks like, what you’re done working, if you’re done working, my calculation is I’ll be able to retire when I’m 127. But it’s great just to sort of envision what that looks like. the expertise is out there. Thanks for being on. Judi Galst (27:56.047)My pleasure. HENLEY & PARTNERS DAVID LESPERANCE ON CITIZENSHIP DIVERSIFICATION DAVID LESPERANCE ON US EXPATRIATION https://www.amazon.com/Wealth-Actually-Intelligent-Decision-Making-1-ebook/dp/B07FPQJJQT/ #familyoffices #citizenship #residency #residencybyinvestment #citizenshipbyinvestment #austriancitizenship #newzealand #portugalproperty #portugalresidency #uscitizens #stkitts #malta #eucitizenship #wealthcitizenship #Californiawealthtax #puertorico #puertoricotax

**When Self-Employment Complicates Your Home Purchase (And How to Fix It)**This week on the Accunet Mortgage and Realty Show, David and Brian tackle the trickiest scenarios in mortgage lending—self-employed borrowers who don't fit the traditional two-year mold.If you own your own business or work for a family member, listen up. The guys walk through two real-world cases where creativity and advocacy turned potential deal-killers into successful closings. From IRA withdrawals that bypass Social Security documentation to adding back one-time paper business expenses, you'll learn the moves that help mortgage underwriters say yes.They also tackle the question on every buyer's mind: “Should I wait for the Fed to cut rates?” The answer might surprise you—and could save you from missing today's opportunity while waiting for tomorrow's maybe.Plus: Why a “drop” in home sales isn't what it seems, how inventory is actually improving in Milwaukee, and why the best time to house hunt might be during a polar vortex when other buyers are hiding under blankets.Whether you're self-employed, thinking about refinancing, or wondering if now's the right time to buy, this episode gives you the inside scoop from two veterans who've seen it all. No fluff, just practical advice.​​​​​

Jim and Chris discuss listener emails on Social Security survivor benefits and the earnings test, share a listener PSA on Social Security timing and IRMAA, then cover ERISA protections for retirement rollovers and a PSA from Greg on lifetime unlimited long-term care policies.(9:45) Georgette asks whether she must still take her husband's required minimum distributions if he passes during his RMD year and how Social Security survivor benefits work, including whether she should claim a widow's benefit or wait to take her own.(50:45) A listener asks how the Social Security earnings test applies when someone retires before full retirement age and applies midyear, and how to avoid missing a month of income due to the timing of benefit payments.(55:00) The guys share a PSA about applying for Social Security and receiving benefits within days, which caused an unexpected IRMAA impact.(1:00:35) Jim and Chris discuss whether rolling Roth and pre-tax 401(k) assets into IRAs results in losing ERISA protections, or if separate rollover IRAs are needed to preserve those protections.(1:15:15) Greg, from our office, shares a PSA clarifying that some lifetime unlimited long-term care policies still exist. The post Social Security, ERISA, LTC: Q&A #2604 appeared first on The Retirement and IRA Show.

Kara and Scott the wins and losses at Davos, DOGE's mishandling Social Security data, Netflix's all-cash Warner Bros offer, and the FCC targeting late-night hosts with new equal time requirements. Plus, ICE agents continue to clash with protesters in Minnesota, and the so-called wine moms of Minneapolis are fighting back. Watch this episode on the ⁠⁠Pivot YouTube channel⁠⁠. Follow us on Instagram and Threads at ⁠⁠@pivotpodcastofficial⁠⁠. Follow us on Bluesky at ⁠⁠@pivotpod.bsky.social⁠⁠ Follow us on TikTok at ⁠⁠@pivotpodcast⁠⁠. Send us your questions by calling us at 855-51-PIVOT, or email pivot@voxmedia.com Learn more about your ad choices. Visit podcastchoices.com/adchoices

WMAL GUEST: ABE ABICH (Founder/CEO of Abich Financial Services) on navigating retirement hurdles in 2026, including elevated prices, Social Security uncertainty, and a record wave of retiring Baby Boomers. WEBSITE: Abich Financial Services SOCIAL MEDIA: @AbeAbich Where to find more about WMAL's morning show: Follow Podcasts on Apple Podcasts, Audible and Spotify Follow WMAL's "O'Connor and Company" on X: @WMALDC, @LarryOConnor, @JGunlock, @PatricePinkfile, and @HeatherHunterDC Facebook: WMALDC and Larry O'Connor Instagram: WMALDC Website: WMAL.com/OConnor-Company Episode: Friday, January 23, 2026 / 7 AM HourSee omnystudio.com/listener for privacy information.

Today's Headlines: President Donald Trump remains in Davos, where he delivered an 80-minute speech packed with familiar grievances, questionable claims — including that “Canada lives because of the United States” — and repeatedly mixed up Iceland and Greenland. For now, he's pulled back threats of military action and additional tariffs on Europe, claiming instead that he's reached a vague “framework” with NATO Secretary General Mark Rutte over Greenland, which he described as an “infinite deal,” without offering details. Ukrainian President Volodymyr Zelensky is expected to meet with Trump to discuss U.S. security guarantees and post-ceasefire reconstruction, while Trump's unofficial envoys Jared Kushner and Steve Witkoff met with a Putin-linked negotiator in Davos and are headed to Moscow for more talks. Back in the U.S., tensions are escalating in Minnesota. Alongside 1,500 troops already on standby, the Pentagon has placed roughly 300 additional soldiers at Fort Bragg on notice in case Trump invokes the Insurrection Act amid ongoing Minneapolis protests. In Congress, the House Oversight Committee voted to hold Bill and Hillary Clinton in contempt over their refusal to testify about Jeffrey Epstein, while declining to hold Attorney General Pam Bondi in contempt for failing to release the Epstein files. Ghislaine Maxwell is scheduled to give a virtual deposition on February 9. Meanwhile, the administration admitted in court that Elon Musk's DOGE-linked team improperly accessed and shared Americans' Social Security data, and a federal judge ordered the FBI to temporarily stop searching devices seized from Washington Post reporter Hannah Natanson and return them pending further review. Resources/Articles mentioned in this episode: Reuters: Trump backs down on Greenland tariffs, says deal framework reached Politico: Trump and Zelenskyy to meet Thursday at Davos MSNOW: Pentagon orders more active-duty soldiers to ready for possible Minneapolis deployment PBS News: WATCH: House Oversight advances resolution on holding Clintons in contempt The Guardian: Doge improperly shared sensitive social security data, DoJ court filing reveals | Trump administration WaPo: Judge blocks government from searching data seized from Post reporter Morning Announcements is produced by Sami Sage and edited by Grace Hernandez-Johnson Learn more about your ad choices. Visit megaphone.fm/adchoices

Listener Q&A where Andy talks about: Can a spouse claim spousal benefits while delaying the start of their own benefit ( 10:40 )What's the best way to view your accounts in terms of how much of them are actually yours after accounting for eventual taxes you have to pay on them ( 14:08 )Can a minor be named as the beneficiary of a retirement account ( 23:28 )His thoughts on dividend stocks and funds ( 26:55 )Follow up thoughts about combining retirement account, in response to a previous listener question ( 34:43 )Considerations and gotchas around changing state tax domicile ( 39:30 )10 cognitive biases in investing, and which three I see the most in my practice ( 46:48 )Considering the present value of expected future Social Security payments when determining asset allocation ( 54:25 )Additional thoughts about the 4% rule and whether you can increase your distribution if your portfolio value increases ( 1:01:40 )To send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.comLinks in this episode:NASDAQ's summary of 10 cognitive biases in investing - here Retirement Planning Education podcast episode - #002 - What's the 4% RuleMy company newsletter - Retirement Planning InsightsFacebook group - Retirement Planning Education (formerly Taxes in Retirement)YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)Retirement Planning Education website - www.RetirementPlanningEducation.com

Wednesday, January 21st, 2026Today, a Trump appointed judge strikes “US Attorney” from Lindsey Halligan's title; DOJ prosecutors subpoena more Minnesota officials in an ongoing criminal investigation for impeding ICE as a pretext to invoke the Insurrection Act; Judge Kacsmaryk compares drag to blackface and allows college campus drag ban in Texas; Congress releases its massive funding bill ahead of a looming shutdown; the stock market takes a dive after Trump announced EU tariffs; the DOJ concedes DOGE misused Social Security data; Canadian Prime Minister Mark Carney rips Trump during his Davos speech; and Allison and Dana deliver your Good News.Beans Talkhttps://youtu.be/NUZ1aRHU-Sg Thank You, IQBARText DAILYBEANS to 64000 to get 20% off all IQBAR products, plus FREE shipping. Message and data rates may apply. Thank You, COYUCHIGet 15% off your first order when you visit Coyuchi.com/dailybeans The LatestWhat to know about the Insurrection Act | AG & Steve VladeckStoriesProsecutors Subpoena Minnesota Democrats as Part of Federal Inquiry | The New York TimesJudge Kacsmaryk Compares Drag To Blackface, Allows College Campus Drag Ban In Texas | Erin In The MorningCanadian PM Rips Trump's Greenland Push: 'We Are in the Midst of a Rupture' | Rolling StoneTrump administration concedes DOGE team may have misused Social Security data | POLITICODemocrats Successfully Strip All Anti-Trans Riders From Final Appropriations Bills | Erin In The MorningCongress releases massive funding bill ahead of shutdown deadline as ICE clash looms | NBC NewsJudge bans Trump loyalist Lindsey Halligan from 'masquerading' as top federal prosecutor | NBC News Good TroubleICEOUT.ORG - “People over papers”ICEOUT's objective is to collect community-submitted information about possible ICE activity down to the street level to help inform the public and raise awareness. All reports are reviewed and categorized by a moderator team before appearing on the map. The website is available in 11 different languages.iceout.org to view the map. iceout.org/location/report to submit a report. →Tell Congress Ice out Now - Take Action Now | Indivisible→Urge American Ballet Theatre to cancel upcoming Kennedy Center performances→Ways to Support MN's Immigrant Communities Amid ICE Activity - Mpls.St.Paul Magazine→Congress: Divest From ICE and CBP | ACLU→ICE List→2026 Trans Girl Scouts To Order Cookies From! | Erin in the Morning Good NewsThe Wilds in Ohio37th Annual GLAAD Media Awards Nominees→Go To Good News & Good Trouble - The Daily Beans to Share YoursSubscribe to the MSW YouTube Channel - MSW Media - YouTubeOur Donation LinksPathways to Citizenship link to MATCH Allison's Donationhttps://crm.bloomerang.co/HostedDonation?ApiKey=pub_86ff5236-dd26-11ec-b5ee-066e3d38bc77&WidgetId=6388736Allison is donating $20K to It Gets Better and inviting you to help match her donations. Your support makes this work possible, Daily Beans fam. Donate to It Gets Better / The Daily Beans FundraiserJoin Dana and The Daily Beans and support on Giving Tuesday with a MATCHED Donation http://onecau.se/_ekes71More Donation LinksNational Security Counselors - Donate