Podcasts about social security

Most workers can't start collecting full Social Security benefits until age 67. But a new proposal from Michigan Congresswoman Haley Stevens would allow workers in “physically demanding jobs” to receive full retirement benefits at 60. Today, two social security experts tell us the pros and cons. Fact checking by Sierra Juarez.Your Next Listen — Iceberg ahead for Social SecurityConnect with The Indicator — Sign up for The Indicator's weekly newsletter! — Buy the Planet Money book — Find our socials, YouTube and more! — For sponsor-free episodes, subscribe to NPR+See pcm.adswizz.com for information about our collection and use of personal data for sponsorship and to manage your podcast sponsorship preferences.NPR Privacy Policy

#755: Many retirees fear running out of money more than they fear dying. AI is reshaping the economy, the U.S. now spends over $1 trillion on interest, and Social Security faces a shortfall. Rob Berger says if you're worried about all that, it's a sign you're thinking clearly. Rob Berger is a former securities lawyer, founder of the personal finance site Dough Roller, and host of a nearly 300,000-subscriber YouTube channel on investing and retirement planning. He started writing about money in 2007, just months before the Great Recession. In this episode, we discuss: How to tell whether today's high stock prices should change your plan When to trim a stock that's grown too big, and when to let it ride Why a booming economy can still leave so many people feeling squeezed What a looming Social Security shortfall could mean for your retirement How to cover your basic bills with guaranteed income, whatever markets do How to ease into retirement instead of going from 40 hours to zero Why daily spending habits matter more than investing knowledge Whether you're five years from retirement or five years into your career, this episode will help you separate what's truly changing from what never does.

1962 GALAZY MAGAZINECONTENTS THE JOHN BATCHELOR SHOW, 10-1-2026Reforming Globalization to Avoid ConflictJake Werner of the Quincy Institute for Responsible Statecraft, writing in The Nation, discusses US-China trade relations following Xi Jinping's Washington visit. Werner traces how 1990s free-market globalization through the WTO, IMF, and World Bank enriched multinational corporations while exploiting developing nations. However, China leveraged its strong state and market scale to demand technology transfers and intellectual property sharing. Rising American grievances over IP theft, paired with Chinese fears of the middle-income trap, created mutual resentment. Werner advocates reforming the global economy by raising wages, providing public goods, absorbing overcapacity, and engaging China as an equal peer. (1)Demographic Shifts Reshaping American OpportunityJoel Kotkin, writing in UnHerd, details demographic migration patterns transforming the United States. Businesses, media production, and high-tech industries—like semiconductors and data centers—are departing traditional urban hubs like New York and Los Angeles for Sunbelt and "hillbilly" states, including Tennessee, Texas, Louisiana, and Arkansas. Facilitated by remote technology, lower costs, and affordable land, these regions are cultivating elite universities and tech corridors. Conversely, coastal urban cores suffer from ideological dysfunction, homelessness, and high living costs, driving families and professionals to seek safety, space, and economic opportunity in expanding exurbs. (2)Navigating North American Trade PressuresMary Anastasia O'Grady of The Wall Street Journal examines trade dynamics under the USMCA. O'Grady clarifies that the US refusal to sign a 16-year extension in 2026 initiated a 10-year review clock rather than immediate dissolution of the pact. She outlines the Section 232 national security tariffs imposed by the US—50% on steel, aluminum, and manufactured derivatives, alongside 25% on finished automobiles—which dismantle traditional zero-tariff trade. US steel producers urge Mexico to erect high external tariffs on Asian metal imports, creating a regional customs union. Mexican President Claudia Sheinbaum negotiates obligingly to avoid a damaging trade dispute. (3)Confronting Escalating Federal Debt RiskVeronique de Rugy of the Mercatus Center addresses rising United States national debt and global bond market volatility. De Rugy refutes assertions that high debt-to-GDP ratios carry no consequences, highlighting recent severe inflation and weak Treasury bond auctions that forced shorter maturities. With 10-year interest rates exceeding 5%, investors signal diminishing confidence that future debt will be repaid in uninflated currency. She emphasizes that Social Security and Medicare trust fund exhaustion around 2032 threatens massive automatic benefit cuts or trillions in new borrowing. De Rugy warns that failing to reform entitlement drivers risks triggering severe economic instability. (4)Reforming Globalization to Avoid ConflictJake Werner of the Quincy Institute for Responsible Statecraft, writing in The Nation, discusses US-China trade relations following Xi Jinping's Washington visit. Werner traces how 1990s free-market globalization through the WTO, IMF, and World Bank enriched multinational corporations while exploiting developing nations. However, China leveraged its strong state and market scale to demand technology transfers and intellectual property sharing. Rising American grievances over IP theft, paired with Chinese fears of the middle-income trap, created mutual resentment. Werner advocates reforming the global economy by raising wages, providing public goods, absorbing overcapacity, and engaging China as an equal peer. (1)Demographic Shifts Reshaping American OpportunityJoel Kotkin, writing in UnHerd, details demographic migration patterns transforming the United States. Businesses, media production, and high-tech industries—like semiconductors and data centers—are departing traditional urban hubs like New York and Los Angeles for Sunbelt and "hillbilly" states, including Tennessee, Texas, Louisiana, and Arkansas. Facilitated by remote technology, lower costs, and affordable land, these regions are cultivating elite universities and tech corridors. Conversely, coastal urban cores suffer from ideological dysfunction, homelessness, and high living costs, driving families and professionals to seek safety, space, and economic opportunity in expanding exurbs. (2)(2)Navigating North American Trade PressuresMary Anastasia O'Grady of The Wall Street Journal examines trade dynamics under the USMCA. O'Grady clarifies that the US refusal to sign a 16-year extension in 2026 initiated a 10-year review clock rather than immediate dissolution of the pact. She outlines the Section 232 national security tariffs imposed by the US—50% on steel, aluminum, and manufactured derivatives, alongside 25% on finished automobiles—which dismantle traditional zero-tariff trade. US steel producers urge Mexico to erect high external tariffs on Asian metal imports, creating a regional customs union. Mexican President Claudia Sheinbaum negotiates obligingly to avoid a damaging trade dispute. (3)Confronting Escalating Federal Debt RiskVeronique de Rugy of the Mercatus Center addresses rising United States national debt and global bond market volatility. De Rugy refutes assertions that high debt-to-GDP ratios carry no consequences, highlighting recent severe inflation and weak Treasury bond auctions that forced shorter maturities. With 10-year interest rates exceeding 5%, investors signal diminishing confidence that future debt will be repaid in uninflated currency. She emphasizes that Social Security and Medicare trust fund exhaustion around 2032 threatens massive automatic benefit cuts or trillions in new borrowing. De Rugy warns that failing to reform entitlement drivers risks triggering severe economic instability. (4)Operating SpaceX Starship Flight ProgramEric Berger, author of Liftoff: Elon Musk and the Desperate Early Days That Launched SpaceX and Re-entry: SpaceX, Elon Musk, and the Reusable Rockets That Launched a Second Space Age, co-host David Livingston: The Ars Technicawriter discusses SpaceX's Starship Mission 14 orbital test. Berger details successful orbital payload deployment of next-generation Starlink satellites while highlighting Raptor 3 engine reliability and re-entry heat shield tiles as ongoing engineering priorities. Crucially, Berger reveals SpaceX plans to retire Crew Dragon, Falcon 9, and Falcon Heavy by 2030 to concentrate resources entirely on Starship development. This strategic pivot leaves NASA and commercial space station developers facing potential human transportation supply gaps, forcing reliance on Boeing's Starliner, Blue Origin, or European partners amid growing commercial space competition from China. (5)Uncovering Slavery at Tower HillAlan Taylor, author of Tower Hill: A Plantation on the Edge of Rebellion: The two-time Pulitzer Prize winner examines Virginia's Blow family—Samuel, Richard, and George—across the eighteenth and nineteenth centuries. Samuel built wealth dispossessing indigenous land; Richard amassed a fortune through wartime smuggling at South Quay, international commerce, and transatlantic slaving. George managed Tower Hill plantation, continuously debating his father over severe soil exhaustion, overcropping, and scientific agricultural methods. Taylor exposes the pervasive physical violence sustaining slavery, the self-pitying illusions of planters, and debt-fueled financial practices underlying the economic facade of elite Virginia gentility. (6)Evaluating Latin American Geopolitical SecurityEvan Ellis of the US Army War College, writing in Infobae, examines Latin American geopolitics, security, and technology. Ellis analyzes the Brazilian presidential election between Lula da Silva and Flavio Bolsonaro amid intelligence reports of foreign interference. Turning to Mexico, he evaluates President Claudia Sheinbaum's cartel security operations, extradition decisions, USMCA stance, and 50% tariffs on Chinese goods. Ellis discusses his Infobaepaper on artificial intelligence and robotics, detailing $84 billion in Mexican data center projections, severe power grid constraints, and cartels deploying drone swarms. Finally, he addresses Cuba's complete economic collapse and mounting international pressure. (7)

Social Security has long been a cornerstone of American retirement, but as the trust fund grows closer to depletion by 2032, should the system be repaired or replaced with new standards? Those advocating for phasing it out argue its unsuitability for the modern economy and should only be available for those needing it most. Others argue it's still a good anti-poverty tool and Congress should take action and make changes to its finances. Now we debate: Should We Phase Out Social Security?  Arguing Yes: Romina Boccia, Director of Budget and Entitlement Policy at Cato Institute    Arguing No: Teresa Ghilarducci, Professor of Economics and Policy Analysis and Director of the Wealth Equity Lab at The New School  Emmy award-winning journalist John Donvan moderates  Join the conversation on Substack—share your perspective on this episode and subscribe to our weekly newsletter for curated insights from our debaters, moderators, and staff.  Follow us on YouTube, Instagram, LinkedIn, X, Facebook, and TikTok to stay connected with our mission and ongoing debates.  Learn more about your ad choices. Visit podcastchoices.com/adchoices

In this packed episode of The Joe Concha Show, Joe breaks down the dramatic heroics aboard a hijacked flyDubai flight to Tel Aviv, unloads on the brutal California gubernatorial debate between Steve Hilton and Javier Becerra and analyzes key midterm election battles across Minnesota, Michigan, and Texas. Plus, quick-hitting commentary on Donald Trump's take on California elections, Charles Barkley calling out far-left policies, Michael Fanone targeting Fox News, JD Vance on Social Security & a throwback to Ronald Reagan calling a Cubs game.

What if one of the clearest signs of generosity isn't simply how much we give, but how deeply we desire to participate?In 2 Corinthians 8, the apostle Paul describes a group of believers whose generosity was remarkable—not because they had abundant resources, but because they were eager to give even amid significant hardship.Their example shows us what happens when grace transforms the heart.Generosity in the Midst of HardshipPaul is writing to encourage the church in Corinth to participate in a collection for believers in Jerusalem who were experiencing severe need. To encourage them, he points to the churches of Macedonia.But the Macedonians weren't wealthy benefactors with plenty to spare. Paul writes:“We want you to know, brothers, about the grace of God that has been given among the churches of Macedonia, for in a severe test of affliction, their abundance of joy and their extreme poverty have overflowed in a wealth of generosity on their part. For they gave according to their means, as I can testify, and beyond their means, of their own accord, begging us earnestly for the favor of taking part in the relief of the saints.” - 2 Corinthians 8:1–4Paul describes their circumstances in striking terms: severe affliction and extreme poverty. Yet alongside those circumstances was an “abundance of joy,” and somehow the combination overflowed into generosity.Perhaps the most surprising detail is that they begged to give.Paul wasn't begging them for money. They were asking Paul for the privilege of participating.From Obligation to OpportunityThat posture can feel unfamiliar. Even within the church, giving can easily begin to feel like another financial obligation—a bill to pay, a percentage to calculate, or a requirement to satisfy. The question becomes, “How much am I supposed to give?”The Macedonians appear to be asking a very different question: How can we be part of this?They knew their brothers and sisters were suffering, and they didn't want their own difficult circumstances to prevent them from participating in their care.Paul tells us where that desire came from. He begins the passage not by praising the impressive generosity of the Macedonians, but by saying, “We want you to know…about the grace of God that has been given among the churches of Macedonia.”Their generosity was evidence of God's grace at work in them. Verse 5 takes us even deeper: “They gave themselves first to the Lord.”That came before the money. Before offering their resources, they had entrusted themselves to God.Grace Changes What We TreasureWhen we understand that we belong to Christ and that everything we have ultimately comes from His hand, generosity looks different. It becomes less about losing something and more about participating in what God is doing.That doesn't mean Scripture calls Christians to give recklessly or neglect legitimate responsibilities. Paul provides important balance later in the same chapter:“For if the readiness is there, it is acceptable according to what a person has, not according to what he does not have.” - 2 Corinthians 8:12Paul continues by explaining that his goal is not for some believers to be relieved while others are left burdened. Rather, he describes a kind of mutual care in which one person's abundance can meet another person's need.So the point of the Macedonians' example is not that everyone should give beyond what they can responsibly afford. The deeper lesson is about the posture of the heart.Do I primarily see generosity as something being taken from me, or as an opportunity God may be placing before me?When I encounter someone in need, is my first instinct to protect what is mine, or am I willing to ask whether God has entrusted me with something I can share?The Macedonians' circumstances were difficult, but grace had reshaped what they valued.The Greater Example of GenerosityUltimately, Paul doesn't leave our attention on Macedonia. He points us to Jesus. 2 Corinthians 8:9 says:“For you know the grace of our Lord Jesus Christ, that though he was rich, yet for your sake he became poor, so that you by his poverty might become rich.”That is the foundation of Christian generosity. We don't give in order to earn God's favor. We give because, in Christ, we have already received grace beyond measure.And when that grace captures our hearts, generosity begins to change.It becomes more than something we have to do. It becomes something we're grateful to get to do.On Today's Program, Rob Answers Listener Questions:I have about $36,000 in student loan debt at 9%, and after decades of repayment I feel like I'm barely making progress. Would paying every two weeks help, and should I consider using home equity to pay it off?I have a whole life policy with a term rider I didn't realize was included. Should I remove the rider, keep it until it expires, or redirect that money into the whole life policy instead?I'm selling my home for less than I originally paid, but the buyer wants the contract price listed higher to cover closing costs. How would that affect my taxes, and could any gain impact my Social Security?My husband and I own our home, and I want my daughter to inherit it without unnecessary difficulty. What's the best way to structure that?Resources Mentioned:Become a FaithFi PartnerFaithful Steward: FaithFi's Quarterly MagazineFaithFi Field Guide: How Much Money is Enough? Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob WestWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor® (CKA)FaithFi App Remember, you can call in to ask your questions every weekday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

1910  GRAHAM BROS ACCOUNTING TRUCKConfronting Escalating Federal Debt RiskVeronique de Rugy of the Mercatus Center addresses rising United States national debt and global bond market volatility. De Rugy refutes assertions that high debt-to-GDP ratios carry no consequences, highlighting recent severe inflation and weak Treasury bond auctions that forced shorter maturities. With 10-year interest rates exceeding 5%, investors signal diminishing confidence that future debt will be repaid in uninflated currency. She emphasizes that Social Security and Medicare trust fund exhaustion around 2032 threatens massive automatic benefit cuts or trillions in new borrowing. De Rugy warns that failing to reform entitlement drivers risks triggering severe economic instability. (4)

If you've researched when to claim Social Security, you've probably heard to wait until age 70.  And there's good reason for that advice. Waiting means a larger monthly benefit for life, which can be especially valuable if your retirement lasts several decades. But while you wait, you'll need to cover your expenses from other sources. That means considering how comfortable you are drawing from savings, how a market downturn could affect your plan, and how many healthy, active years you have ahead. So, how do you weigh those trade-offs? And when might claiming earlier make sense, even if you can afford to wait? In today's episode, I'm exploring 6 overlooked considerations that could influence your claiming strategy and help you decide whether the advice to wait fits your retirement plan. We'll look at how they might influence your claiming strategy, and why a recommendation that sounds sensible on paper may need a closer look in your own retirement plan. ***

Learn how to turn your retirement savings into a steady retirement paycheck and how grocery stores may use your data to set prices. How do you turn decades of retirement savings into income you can count on for the rest of your life? Hosts Sean Pyles, CFP®, and Elizabeth Ayoola talk with Jean Chatzky, host of the HerMoney podcast and author of “The Forever Paycheck: The New Retirement Strategy to Spend More, Worry Less, and Never Run Out of Money,” about why spending down your savings in retirement can be so hard, both in the math and in your head. They discuss where the 4% rule could fall short, the difference between buying a paycheck with an annuity and building one with investments, and when to start planning. They also answer listener questions about whether a pension means you can ease off on 403(b) contributions, what two years out of the workforce could cost a stay-at-home parent, and whether to consolidate old retirement accounts. Then, is your grocery store charging you more than the shopper next to you for the same items? Senior news writer Anna Helhoski talks with fellow Nerd Amanda Barroso about surveillance pricing, where retailers use data from loyalty programs, apps and even how fast you type to set prices based on what they think you're willing to pay. They discuss how it differs from dynamic pricing, the signs it could be happening to you, what states and the FTC are doing about it, and how adding a little friction to your shopping could help. Please help us improve the show by taking our listener survey! Your responses directly impact what you hear on the show: https://docs.google.com/forms/d/e/1FAIpQLSettbeI0yDf8tLt_Q772StVJoWs_Gm-pWa-gSn2fdWEc0XcOw/viewform For more information on the topics discussed in this episode, check out these resources: Retirement Calculator: https://www.nerdwallet.com/investing/calculators/retirement-calculator HerMoney with Jean Chatzky:  https://www.youtube.com/hermoney The Forever Paycheck by Jean Chatzky: https://www.penguinrandomhouse.com/books/805286/the-forever-paycheck-by-jean-chatzky/ my Social Security: https://www.ssa.gov/myaccount/ Why the Box of Cereal in My Cart Might Cost Less Than Yours: https://www.nerdwallet.com/finance/news/surveillance-pricing Federal Trade Commission's Proposed Enforcement Policy Statement Regarding Personalized Pricing: https://www.ftc.gov/system/files/ftc_gov/pdf/p034101-ftc-enforcement-policy-statement-re-personalized-pricing-proposed-for-public-comment.pdf Subscribe to our podcast's free email newsletter for bonus content and more from our hosts at https://smartmoney-nerdwallet.beehiiv.com/ Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header Smart Money's YouTube Channel: https://youtube.com/@nerdwalletsmartmoney To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. The show notes were created with the assistance of AI. They have been reviewed by our editorial team for accuracy and quality. Learn more about your ad choices. Visit megaphone.fm/adchoices

Text the show! Republicans control the House, the Senate, and the White House. They've got every key to Washington—and nobody left to blame. So what did they actually deliver?

Episode 119: Five Strategies for Retiring EarlyEarly retirement requires a different playbook. In this episode, I explain five strategies for bridging the gaps before Social Security and Medicare, managing taxes, and funding your lifestyle with greater flexibility.In the tips and tricks segment, I share how Roth IRA contributions can provide an additional source of penalty-free funds before age 59½.Key points • Build a taxable brokerage account • Maximize your HSA • Use pre-tax 401(k) contributions strategically • Establish a dedicated cash reserve • Understand early retirement-account access • Use Roth IRA contributions for added flexibility before age 59½

Very soon, Social Security may not have enough money to make full payments to retirees. Very soon. Like by 2032, just six years from now. So what are we gonna do about it? Today on the show, we look at some of the most talked about possible solutions; and exactly whose wallets we'll have to rifle through to find the money to pay for each. Then we'll run the options by the Social Security Administration's former Chief Actuary. The guy Congress used to call to crunch numbers and give them the bottom line. Read: - Our book: Planet Money: A Guide to the Economic Forces That Shape Your Life - Our weekly longform Planet Money newsletter- Our weekly Indicator round-up newsletterFollow: - Instagram- TikTok- YouTube- FacebookSupport public media with NPR+ and enjoy perks for over 25 podcasts like this one. This show's perks include bonus episodes and sponsor-free listening. Learn more at plus.npr.org.This episode of Planet Money was hosted by Erika Beras and Jeff Guo, it was produced by James Sneed, and edited by Marianne McCune. Sierra Juarez is our fact-checker, and Annlie Huang & Robert Rodriguez engineered the show. Alex Goldmark is the executive producer of Planet Money.See pcm.adswizz.com for information about our collection and use of personal data for sponsorship and to manage your podcast sponsorship preferences.NPR Privacy Policy

As investors look toward the U.S. midterm elections, the biggest question is what could change. Our Head of U.S. Public Policy Research Ariana Salvatore outlines the signals worth watching. Read more insights from Morgan Stanley.----- Transcript ----- Ariana Salvatore: Welcome to Thoughts on the Market. I'm Ariana Salvatore, Head of U.S. Public Policy Research at Morgan Stanley. Today, I'll be talking about the upcoming 2026 midterm elections. It's Wednesday, September 30th, at 10am in New York. As the elections inch closer, investors are increasingly asking about potential ramifications. We just put out a deep dive covering our expectations, and we arrive at four key takeaways. The first, midterms are unlikely to change the core executive-led policy agenda. As we've been noting for some time, a lot of the policy uncertainty that markets have dealt with since the beginning of 2025 has actually come from the executive branch rather than Congress. Tariffs, trade policy, deregulation, immigration, and export controls are all variables that are going to remain within the White House's authority. So even if control of Congress changes, we don't think investors should assume that those parts of the policy agenda simply go away. Where Congress actually matters more is on fiscal policy. But even there, the range of outcomes is relatively narrow. The main differences revolve around the timing of scheduled SNAP and Medicaid cuts, defense spending, and how future government funding and debt limit negotiations evolve. So, that's our first takeaway. Midterms can change the mechanics of governing, but probably not the broader direction of the executive agenda. That means policy uncertainty, at least across those vectors I mentioned, is likely to stay high. Takeaway number two, we'd be careful about treating the midterms as a direct signal for the 2028 presidential election. Historically, what we see is the issues that dominate a midterm don't necessarily translate to the next presidential race. Looking at the six midterm-to-presidential cycles since 1994, the top-ranked issue changed in five of them. And the issue that ultimately proved decisive in the presidential election was actually already visible at the midterm in only two of the six cases. What elections can tell us, however, is where some of the policy fault lines are beginning to form. We're watching four debates in particular in that context: the fiscal and Social Security debate, individual tax landscape, restrictions on data center development, and healthcare. In our view, across those variables, the useful signal isn't simply which party wins more seats. It's which versions of these policies are beginning to gain traction with voters and within the parties themselves. That actually brings us to takeaway number three. AI is one area where the midterms could matter, but mainly through data center policy rather than broad AI regulation. We think it's important to separate those two issues. So first, on data centers, we do see midterms as a catalyst. And that's because many of the most important policy levers sit at the state and local level: permitting, siting, grid interconnection, large load electricity rates, and tax incentives. So that means that the governorships, utility commissions, and state legislatures can actually have a much more immediate effect on the pace and the location of the build-out than Congress itself. In that vein, our base case remains a conditional build-out, meaning the expected level of AI CapEx can continue. But likely it's going to increasingly concentrate in locations where developers can address concerns around things like electricity costs, infrastructure, water, and community impacts. Broader AI safety regulation is different. Here, we think government configuration actually matters less, and that's because we see comprehensive federal legislation as pretty unlikely in the near term, absent a high salience event or incident. So congressional control is not necessarily the key driver. And finally, takeaway number four: for markets, we see more micro implications than macro ones. For equities, the composition and cohesion of the congressional majority can matter for individual sectors. Congress that's able to negotiate changes to scheduled SNAP or Medicaid cuts, for example, could have implications for consumer and healthcare companies. AI related sectors could also respond to changes in expectations and sentiment pertaining to data center restrictions. For rates, the key question is whether the election produces fiscal outcomes that materially change expected deficits. United Republican control would be the only outcome preserving reconciliation as a potential vehicle. Divided government, conversely, would narrow the scope for new legislation and put more emphasis on funding and debt limit negotiations. And for the dollar, our strategists see the transmission mechanism running primarily through U.S. yields and the growth outlook rather than the election itself. So, bottom line, we don't think the 2026 midterms are likely to produce a wholesale change in the policy or macro backdrop. But there will be important lessons to pick up along the way. Thanks for listening. If you enjoy the show, please leave us a review wherever you listen. And share Thoughts on the Market with a friend or colleague today.

Roger Whitney closes out his five-week Social Security series with a practical framework for married couples deciding when to claim. He explains how to coordinate benefits, avoid common mistakes, and make a decision that fits the household rather than relying on a single calculator or searching for a perfect answer.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN PODCAST (00:00) Roger Whitney closes out his five-week Social Security series with a guide to building a claiming strategy for married couples. He shares a practical framework for coordinating benefits, avoiding common mistakes, and making a decision that fits the household. PRACTICAL PLANNING(06:54) Roger shares a framework for coordinating benefits, weighing household priorities, and testing claiming strategies against a retirement plan of record. LISTENER QUESTIONS(36:55) Dominic: Do cost-of-living adjustments apply before claiming? (39:17) Joe: Should he wait until age 70 to claim while his wife claims at 62? (41:31) Jason: Should the opportunity cost of delaying be compared with the potential return of an aggressive investment portfolio? (45:05) Ann: What if both spouses have similar, moderate-to-high benefits?(46:20) Stacy: Is it reasonable for a lower-earning husband to claim at 62 while his higher-earning wife waits until 70? SMART SPRINT(49:08) Put time for your Social Security decision on the calendar. ON THE BOOKSHELF(50:38) Roger and Nichole share books they're reading, and Roger previews next week's conversation with Peter Lazaroff about The Perfect Portfolio.REFERENCESSocial Security AdministrationLive Year-End Planning Session Sign up for the Noodle! Rock Retirement with Roger Whitney — YouTube channelSubmit a Question for RogerON THE BOOKSHELFRemarkably Bright Creatures by Shelby Van Pelt In a Sunburned Country by Bill Bryson 

Retirement planning becomes a two-clock problem when spouses are a decade or more apart in age. Don and Tom explain why one household may need to fund two timelines—and why healthcare, Social Security timing, survivor taxes, and account ownership deserve extra attention. The older, higher-earning spouse may need to delay Social Security to age 70 to protect the younger survivor. A strong plan also models the household after one spouse dies, when income and filing status can change abruptly. Listener questions examine unusual model portfolios, rules-based versus discretionary fund management, and an expensive indexed annuity sold to an 81-year-old. The recurring lesson is simple: sound planning beats clever complexity. 0:49 The two-clock retirement problem 4:28 Healthcare and Social Security timing 7:12 The widow's tax and survivor planning 11:37 Portfolio backtests and the Golden Butterfly 19:02 Is rules-based investing active? 23:51 An unsuitable annuity saleQuestions? Comments? Click!

You spent years building your business and saving for retirement. But a large pretax retirement account can create a tax problem later if you don't plan how that money comes out. In this episode, Tiffany Phillips explains how one business owner's retirement tax plan created a projected $212,000 difference in taxes and Medicare surcharges. You'll learn how required minimum distributions, Social Security taxes, IRMAA, Roth conversions, and the widow penalty can work together. This isn't about converting everything to Roth. It's about using smart tax planning, tax strategies, and better money decisions while you still control your taxable income. If you're approaching retirement with substantial pretax savings, this episode will show you why your withdrawal strategy matters just as much as your savings strategy. Next Steps:

Retirement planning can feel intimidating, whether you're decades away or getting ready to make the transition. Jean Chatzky wants to make it feel a little more manageable. This week on The Important Part, HerMoney CEO and The Forever Paycheck author Jean Chatzky joins Liz Thomas to discuss how to prepare for retirement while still enjoying your life today. Jean shares her perspective on retirement savings benchmarks and why knowing your own numbers matters more than comparing yourself to everyone else. Liz and Jean also explore the financial decisions younger generations face when retirement still feels decades away, including how much to save as your income changes and how to balance preparing for the future with the life you want to live now. The conversation also gets into Social Security and how Jean thinks about different types of retirement accounts. Jean then explains one of the surprising challenges retirees can face: after decades of watching their savings grow, spending that money can feel like losing it. She shares the thinking behind The Forever Paycheck and why creating a reliable stream of retirement income may help address that emotional hurdle. The Important Part: Investing with Liz Thomas is a video podcast covering investing, markets, economic trends, portfolio strategy, and the biggest stories shaping investors today. About SoFi®: A finance company that could help you get ahead. Get Your Money Right® with SoFi. Additional resources: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠On The Money⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠: Sign up for SoFi's newsletter for intel, insights, and inspo to help you get your money right. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Investing 101 Center⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠: At SoFi, we believe investing is for everyone — which is why we've created a hub with info for beginners and experts alike. Start exploring to get investment education, advice, resources, and more. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Wealth Investing Guide⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠: Information you need to know to make your money work harder for you. This podcast should be used for informational purposes only and not deemed as a recommendation. Our Automated investing is via SoFi Wealth LLC, and is a registered investment advisor. Our Active investing is via SoFi securities LLC, member FINRA/SIPC. For additional disclosures related to the SoFi Invest® platforms, please visit www.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ SoFi.com/Legal⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. ©2026 Social Finance, Inc. All Rights Reserved.

Kristian Kerr, head of macro strategy at LPL Financial, says that the market has shaken off the impact of higher oil prices, leading investors to a sense of complacency, where they think only a much higher spike in crude prices will upset the economy. He feels, however, that "the longer we are at these levels the harder it becomes to ignore," noting that the same kind of thinking can also be applied to rising bond yields, where the market is deciding just how real the fears are, but where they can't ignore the issue indefinitely. Kerr isn't calling for a major market reversal, but more for caution and diversification, because he believes that at some point many of the fears over headline risks will be realized. Author Daniel Goldie discusses his new book, out today, "The Retirement Answer: The 6 Key Decisions Every Retiree Needs to Make," which covers timing, Social Security , Medicare, distribution strategies, investments and legacy choices In the Market Call, Aniket Ullal, head of ETF data and analytics at CFRA, discusses exchange-traded funds, which sectors appear to be in favor now, the difficulties in evaluating newfangled funds with options overlays or leveraged, single-stock strategies and more.

Hour 2 opens with Marc Cox and Kim St. Onge evaluating internal revenue announcements regarding federal "Trump Accounts" savings programs, analyzing automatic enrollment protocols for newborn Social Security applicants, private philanthropic funding structures, and long-term financial literacy objectives. The segment reviews demographic birth rates alongside U.S. Senate Judiciary Committee questioning of Special Counsel Jack Smith by Senators Josh Hawley and Ted Cruz. On the St. Louis Morning Brief, the hosts examine St. Louis County budget management options regarding municipal road maintenance transfers, St. Charles County revenue initiatives at the Family Arena, and legal developments involving a former Missouri Department of Transportation worker. The segment highlights defense manufacturing updates, reporting on the U.S. Navy's selection of Boeing St. Louis to develop the sixth-generation F/A-XX carrier-based fighter aircraft. Financial reporter Nicole Murray delivers market indicators, covering Panera Bread consumer litigation and clinical weight-loss data for Novo Nordisk's Wegovy oral treatment. The hour closes on In Other News (sponsored by Zerorez St. Louis) with reports on Toys "R" Us store expansion plans and morning dating trends. LISTEN TO 97.1 FM TALK LIVE IN ST LOUIS OR STREAM WORLDWIDE AT 971TALK.COM Hashtags: #971FMTalk #StLouis #STLNews #TrumpAccounts #BoeingSTL #ToysRUs

The Trump administration unveiled an artificial intelligence chatbot Tuesday that it views as a new front door for services from the federal government. America.gov, which launched Tuesday morning, opens with a search bar inviting users to ask anything — from booking a campsite at a national park, to getting a passport for their child, to replacing their Social Security card. “Whatever you need from the government, start here,” the homepage says. “Under the hood, America.gov is an extraordinary use of AI designed to improve your life. It's trained specifically on one official source of truth: The United States Government,” Joe Gebbia, the U.S. Chief Design Officer and co-founder of Airbnb, said during the launch event in Washington, D.C. According to remarks Gebbia made to CNBC's Squawk Box on Tuesday, the platform is powered by Google's Gemini and Elon Musk's Grok. The initiative comes as the Trump administration has, generally, sought to increase the use of AI in government and decrease restrictions on the technology. Google has extended its OneGov deal with the General Services Administration for its artificial intelligence Gemini, according to a Tuesday website update. The deal, which charged $0.47 per agency for one year for Gemini for Government and gave 20% off list for first-party cloud services, was set to expire Wednesday but will now last until Nov. 15. The deal includes Gemini, Google AI platform and tools, FedRAMP High authorized Google Cloud Platform products and builds upon a previous 71% discount Google Workspace agreement, the website says. GSA did not immediately respond to a request for comment. Google declined to comment. The extension follows a recent OneGov extension for Anthropic's Claude and a new deal for OpenAI's ChatGPT models. The Daily Scoop Podcast is available every Monday-Friday afternoon. If you want to hear more of the latest from Washington, subscribe to The Daily Scoop Podcast  on Apple Podcasts, Soundcloud, Spotify and YouTube.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian reveal the costly financial mistakes even successful investors can make, from concentrated investments and poor tax planning to holding too much cash and lifestyle creep. Plus, they explore the life decisions that can shape your wealth, explain when it’s time to review old insurance policies, and answer retirement questions about Roth conversions, Social Security, and leaving an inheritance your heirs can handle.See omnystudio.com/listener for privacy information.

Two common financial traps retirees fall into when trying to protect themselves are certain types of life insurance policies and buying lifetime income annuities. On the show this week, I explain why these products might not be as effective as they seem and give practical advice for evaluating your retirement options. I also answer listener questions about 401(k) contribution limits, health insurance before Medicare, suspending Social Security benefits, and what happens to your 401(k) loan if you retire.    You will want to hear this episode if you are interested in...   [03:37] Life insurance retirement pitfalls [08:18] Understanding fixed indexed annuities [15:43] Discussing insurance contracts [20:07] Understanding Medicare and ACA Options [20:54] Balancing retirement income and health costs [26:39] Suspending Social Security benefits [29:13] Paying off 401 loan before retirement [33:37] Understanding annuities and IRAs   Do You Really Need Life Insurance in Retirement?   For many retirees with sufficient assets and financial independence, life insurance may no longer be necessary. The mortality risk may have passed, and continuing to pay premiums could be a poor use of resources. A major pitfall arises with Accidental Death & Dismemberment (AD&D) policies. These policies sound impressive—$500,000 coverage, for example—but only pay out for very specific, often rare, qualifying accidents. The stringent exclusions mean most people are unlikely to benefit. AD&D policies can lull holders into a false sense of security, making them believe they have broad protection when, in reality, their coverage is extremely limited. Lifetime Income Annuities   Annuities, particularly fixed indexed annuities with lifetime income riders, are often marketed as a way to "guarantee" income throughout retirement. So how do these contracts work? For example, you might pay $100,000 for a guaranteed $6,000 per year for life. The catch is that the $6,000 payout doesn't grow with inflation. As the years pass, all living expenses—groceries, utilities, insurance—tend to rise, but the income from a fixed annuity stays the same. Without cost-of-living adjustments, retirees locking in fixed income are at risk of losing purchasing power and financial flexibility as time goes on. The same warning applies to fixed pensions, especially ones without inflation protection. Health Insurance Before Medicare   One major reason retirees wait until age 65 to leave the workforce is the difficulty and cost of securing health insurance before Medicare eligibility. COBRA can be prohibitively expensive—one example cited was $1,200 per person, per month. The Affordable Care Act (ACA) is an option, with subsidies available based on income. Some choose private plans or use a spouse's employer insurance. Explore all health coverage options, compare prices, understand potential subsidies, and plan your retirement date accordingly. Temporary coverage before Medicare is often just a bridge, but one that must be carefully planned.   Social Security Suspension   If your financial situation changes—due to inheritance, increased income, or the need to minimize taxable income—you can suspend your Social Security at full retirement age to accrue delayed credits, resulting in a higher benefit when you restart. This strategy isn't widely known, but can be a powerful option for optimizing retirement income. Resources & People Mentioned   3 Steps to Retirement Planning SECURE 2.0 Act    Connect With Gregg Gonzalez   Email at: Gregg.gonzalez@lpl.com Podcast: https://RetireStrongFA.com/Podcast Website: https://RetireStrongFA.com/ Follow Gregg on LinkedIn Follow Gregg on Facebook Follow Gregg on YouTube Subscribe to Retirement Made Easy On Apple Podcasts, Spotify, Google Podcasts  

Can You Retire at 64 With Only $100,000 Saved? It may be possible, but the answer depends on far more than your retirement investment balance. Social Security, monthly retirement expenses, debt, taxes and how much retirement income you actually need in retirement all matter.**Free Book

Questions about workforce reductions and pay are capturing headlines across government. But federal employees and retirees are also focused on longer-term issues ranging from artificial intelligence to the future of Social Security. Joining me with takeaways from the annual NARFE conference is John Hatton, Staff Vice President for Policy and Programs at NARFE.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

This week on Facing the Future, we discuss two very different visions of how to keep Social Security solvent over the long-term without a bailout from the U.S. Treasury. Wendell Primus of the Brookings Institution and Romina Boccia of the Cato Institute debate the options.

As Social Security and Medicare barrel toward insolvency, what can the United States learn from how other countries have restructured their retirement systems—and does Washington have the political will to act? Join Atlas Society CEO Jennifer Grossman for the 321st episode of Objectively Speaking, where she sits down with Romina Boccia to talk about her co-authored book, Reimagining Social Security: Global Lessons for Retirement Policy Changes," which explains what is wrong with Social Security and how major retirement program reforms from Canada, Germany, New Zealand, and Sweden could work in the United States. Romina Boccia is director of budget and entitlement policy at the Cato Institute, where she focuses on federal spending, the budget process, the economic consequences of rising debt, and reforms to Social Security and Medicare. She is the principal author of the Debt Dispatch Substack, the leading fiscal policy newsletter read by members of Congress. Boccia previously served as director of the Grover M. Hermann Center for the Federal Budget at the Heritage Foundation, where she was the principal author of the Blueprint for Balance, the organization's flagship budget plan, which informed President Trump's first-term budget proposal.

Don and Tom examine the promises behind fixed, indexed, and immediate annuities—and why the word ‘guaranteed' deserves closer scrutiny. They explain how insurers invest policyholder money, what state guaranty pools actually cover, and why complexity can hide both cost and risk. Listener questions cover when to claim Social Security, how delaying benefits can protect a surviving spouse, the interaction between Social Security COLAs and Medicare Part B premiums, and where TIPS may—or may not—belong in a portfolio. 0:58 Insurance Annuity Concerns 6:56 Annuity Guarantees Questioned 10:27 What Annuities Really Guarantee 16:07 Bridge, Banter, and Listener Mail 18:32 Social Security Timing Advice 24:04 Social Security and Medicare Costs 29:31 TIPS and Inflation Protection 35:13 Free Advisor HelpQuestions? Comments? Click!

Retirement at 3 Different Savings LevelsTerry is 62. Pat is 65. They want to retire today.But inspired by Apple TV's Dark Matter, we're putting Terry and Pat into three different retirement universes.

With midterm elections weeks away, First Trust Deputy Chief Economist Bob Stein joins the podcast for his final pre-election check-in.  Bob breaks down how rising populist rhetoric could reshape the midterm outcome, and what that means for markets, fiscal policy, and investors.  Bob also tackles two related topics on every investor's radar: the political battle over the AI/data center buildout, and the long-term solvency of Social Security.  Whatever the outcome in November, Bob outlines what investors should be watching heading into 2027.----------------------------------------------------------------------------------------------Subscribe Here to the ROI Podcast & other First Trust Market News Website:  First Trust PortfoliosConnect with us on LinkedIn: First Trust LinkedInFollow us on X: First Trust on XSubscribe to the First Trust YouTube ChannelSubscribe to the ROI Podcast YouTube Channel

Who are the real villains threatening your retirement? Damon Roberts and Matt Deaton break down the biggest risks retirees face, from taxes and inflation to procrastination. They discuss Roth conversions, Social Security taxation, rising healthcare costs, and why putting off planning could be more expensive than many people realize. The conversation focuses on practical ways retirees can identify financial threats before they create lasting damage. For more information or to schedule a consultation, call 480-680-6868 or visit www.successinthenewretirement.com! Follow us on social media: Facebook | LinkedInSee omnystudio.com/listener for privacy information.

In the final part of the Retire With Style Live Q&A, Wade and Alex tackle listener questions on tax-efficient retirement withdrawals, Roth conversions, Social Security, sequence-of-returns risk, annuities, and buffered ETFs. They explain why smart tax planning goes beyond simply filling tax brackets, how to think about Roth conversions with lifetime taxes in mind, and when strategies involving HSAs, MYGAs, and annuities may play a role. It's a practical look at how the different pieces of a retirement income plan can work together. Listen now to learn more! Takeaways Tax brackets alone don't tell the whole story: Roth conversion decisions should consider your effective marginal tax rate, including interactions with Social Security taxation, IRMAA, capital gains, deductions, ACA subsidies, and other tax provisions. The goal isn't necessarily to eliminate your traditional IRA: Converting too much to Roth could leave you without enough taxable income later to take advantage of the standard deduction and other low-tax opportunities. Roth conversions can be front-loaded or spread over time: The better approach depends on the effective marginal tax rates available to you now versus those you may face later. Withdrawal sequencing should account for lifetime taxes, not just this year's bill: Comparing taxable, IRA, and Roth withdrawals can help determine which source makes the most sense after considering the broader tax consequences. Saved HSA receipts may provide another strategic source for paying Roth conversion taxes: Qualified reimbursements could potentially provide tax-free funds in a year when a large conversion creates a significant tax bill. MYGA ladders can potentially serve double duty before Social Security: They may function as a buffer asset during poor markets while allowing interest to remain tax-deferred when the funds aren't needed, preserving room for Roth conversions. Buffered ETFs trade some market upside for downside protection: They can potentially fill a structured-return role similar to certain indexed annuities when lifetime income guarantees aren't the objective. Paying Roth conversion taxes from an IRA isn't automatically a mistake: For those at least 59½, Wade notes that it can be workable, provided the additional taxable distribution needed to pay the tax is included in the conversion calculations.      Annuities inside an IRA may have an unexpected RMD-planning role: Wade describes emerging “RMD Shield” research examining whether annuity payments can help satisfy RMD requirements while reducing required distributions from other IRA assets and potentially preserving a larger legacy. Chapters 00:00 Introduction to Retirement Tax Strategies 02:10 How the Tax Map Calculator Helps Minimize Taxes 04:03 Planning Roth Conversions and Managing RMDs 06:06 Using HSA Receipts for Tax Efficiency 08:01 Understanding IRMA Thresholds and Future Planning 11:05 Evaluating Roth Conversion Strategies: Gradual vs. Upfront 13:08 Effective Marginal Tax Rate and Its Importance 15:59 Handling Insufficient Assets for Roth Conversions 18:05 Buffered ETFs and Annuities as Retirement Tools 22:10 Paying Taxes from IRA and Managing Infinite Loops 25:04 Using Annuities to Reduce RMDs and Boost Legacy 26:50 Future Research and White Paper on RMD Shield   Links

On this episode of Simply Money presented by Allworth Financial, Bob and Brian look at whether higher Treasury yields should change your investment strategy, the growing concentration of the S&P 500, and why business owners need to start planning years before a sale. Plus, they tackle helping adult children buy a home, retiring years before your spouse, gifting appreciated stock, and when to claim Social Security.See omnystudio.com/listener for privacy information.

Is retirement a date on the calendar, or a decision shaped by purpose, health, and financial readiness? In this episode, the conversation explores how to determine when the time is right to retire, why the answer is different for everyone, and the role a financial roadmap can play in the decision-making process. Frankie Guida and Noah Williams discuss Social Security timing, Medicare considerations, retirement lifestyle goals, and how understanding your financial picture can help shape your next chapter. Schedule a complimentary appointment: A Better Way Financial Learn more about Frank and Frankie's book here! Buy Frank's book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.” Buy Frankie's book! Amazon Best Seller, ""A Better Way to Retire: How a Fiduciary Retirement Planner Can Be the Key to Financial Success" CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops. Follow us on social media: Facebook | LinkedIn | YouTube See omnystudio.com/listener for privacy information.

Could your retirement last 40 years, and is your income prepared to keep up? Kevin Madden explores how longer life expectancies are changing retirement planning, why cash flow matters more than account balances, and how guaranteed income sources can help reduce uncertainty. He also discusses the future of Social Security, common mistakes retirees make with 401(k)s and tax planning, and why having a written retirement roadmap may help align income, taxes, and long-term goals. 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.

67% of people fear they'll run out of money in their lifetime. Tim Stearns, owner and president of TJ Stearns Financial Planning & Benefits, joins Jon Hansen to recap the financial education event he facilitated with WGN Radio's David Hochberg.  Plus, Jon and Tim discuss concerns about Social Security running out of money and why retiring […]

What if the biggest threat to your retirement plan isn’t the market, but your own emotions? Nolan Baker explains why rules-based investing can help remove fear and greed from financial decisions, shares how disciplined strategies may respond to market volatility, and discusses concerns around stock valuations, interest rates, and geopolitical uncertainty. He also explores where AI can be a useful retirement planning tool and where human guidance still matters. Plus, learn why many retirees underestimate the cost of travel, entertainment, and lifestyle goals, and how building those experiences into a retirement income plan can help create a more meaningful retirement. About America's Retirement Headquarters: We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement so that you can enjoy financial confidence and peace of mind.See omnystudio.com/listener for privacy information.

How To Inflation-Proof Your Portfolio & The Free Account Everyone Needs To Set Up Before Retirement Navigating your investments as you age can get confusing, especially when rising interest rates make traditional bond funds a scary prospect. While young investors can comfortably ride out stock market volatility, those approaching their late 50s and beyond need a more balanced portfolio to protect their hard-earned money. Instead, consider Treasury Inflation-Protected Securities (TIPS) as a powerful, inflation-proof alternative to standard bonds, as Clark explains. Also, there is an urgent security measure you need to take right now – no matter your age. Many people assume they don't need a MySocialSecurity account until they are ready to retire, or they worry the program won't exist in the future. Clark walks us through why it's so crucial to open an account as soon as possible. Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the September 28, 2026, episode of The Clark Howard Show. Submit your questions: Ask Clark. Bond Alternative: Segment 1 Ask Clark: Segment 2 Your Social Security: Segment 3 Ask Clark: Segment 4 Mentioned on the show: TIPS: The Inflation-Proof Alternative to Standard Bonds - Clark.com Long-Term Treasuries: What a 5% Return Means for Your Money Empower Review: How It Works, Pros & Cons - Clark Howard My Social Security: The Free Account Everyone Needs To Set Up Before Retirement How Can I Estimate My Social Security Benefit? - Clark Howard The Best Car-Buying Services - Clark Howard  Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices. Visit megaphone.fm/adchoices

Today's Headlines: So NATO is preparing for war, aka potential Russian aggression, with Poland and Lithuania developing cross-border civilian evacuation plans for the Baltic states and practice exercises scheduled for next week. Meanwhile, five people were arrested near a UK Royal Air Force base used by the US during the Iran war, on suspicion of planning a terrorist attack after someone spotted three suspicious vehicles heading toward the base after midnight — no names released, no country claimed responsibility, and the US embassy issued a security alert for Americans traveling in the UK. On Iran, Trump rejected Iran's latest peace proposal while claiming negotiations are continuing in New York, which sounds like nothing really. In potential voter suppression news, the Supreme Court ruled 6-3 (of course)  that the Trump administration can move forward with its centralized voter citizenship verification database using Social Security data — with six weeks until the midterms, the timing is almost certainly the point. The Trump administration is scouting Grand Teton National Park for a baseball stadium because the MLB wants to host a game there, which would require major construction on some of the most protected land in the country. On the scary tech beat, OpenAI and Anthropic are investigating tens of thousands of problematic AI security incidents — not a few rogue hacking episodes, tens of thousands — and ProPublica's investigation found that DraftKings actively recruited a journalist mimicking compulsive gambling behavior into its VIP program after he lost $1,800 in one night chasing losses. And finally, RFK Jr. accepted over $4 million in book advances and $270,000 in gifts during his year as Health Secretary, with his wife separately receiving $210,000 in "consulting fees" from the same MAHA-connected friend, because public health leadership is a great side hustle. Resources/Articles mentioned: Euronews: Poland and Lithuania preparing cross-border evacuation plan for Baltic states WaPo: 5 arrested in U.K. near base used by U.S. on suspicion of planning terror act Axios: Trump says he rejected the latest Iranian proposal SCOTUS Blog: Supreme Court clears way for Trump administration to use modified voter verification database WaPo: Trump officials weigh MLB game at Grand Teton National Park Axios: Scoop: Top AI companies probing tens of thousands of security incidents ProPublica: I Posed as a Problem Gambler. DraftKings Made Me a VIP NYT: RFK Jr. Drew $4 Million in Book Advances From Publisher Who Also Monetized MAHA Subscribe to the Betches News Room and join the Morning Announcements group chat. Go to: betchesnews.substack.com Morning Announcements is produced by Sami Sage and edited by Grace Hernandez-Johnson Learn more about your ad choices. Visit megaphone.fm/adchoices

Set up a Free 15-Minute Client Advisor Call and get booked at my law firm KKOS Lawyers. With a Comprehensive Tax and Business Consult my attorneys can help you have a tactical plan to put your spouse on payroll when the time is right and get your business, assets and trust in order.Mark breaks down when paying your spouse from the business creates real tax savings and when it just adds payroll taxes and paperwork. We walk through the classification rules, the S corporation math, and the two scenarios where spousal pay can unlock powerful benefits for your family.• deciding whether a spouse is a co-owner, employee, board member, or subcontractor • understanding material participation and when wages are required • avoiding payroll done only to “manufacture” a deduction • why paying for Social Security credits is usually a bad move • using S corp W-2 wages to manage FICA and keep compensation reasonable • adding a spouse to payroll to increase 401k and Roth 401k contributions • using a spouse support-company setup and an HRA to deduct family medical expenses • doing the math before adding complexity, filings, and payroll cost Ready to Take the Next Step?Work With Mat & Mark's Law FirmGet strategic legal guidance for your business, taxes, asset protection, and estate planning with KKOS Lawyers.[Book a Call with KKOS Lawyers]Take Control of Your RetirementWant to invest your IRA or 401(k) in assets you actually understand? Check out our self-directed trust company Directed IRA.[Learn More About Directed IRA]Free ResourcesMat Sorensen's Optimal Order of Investing GuideLearn how to prioritize where your money should go and build a smarter investing strategy.[Download the Free Guide]Mark J. Kohler's 30-Point Tax GuideDiscover practical tax strategies and planning opportunities every business owner and investor should know.[Download the Free Guide]Get More From Mat & MarkWatch on YouTubeTax strategies, business planning, investing, asset protection, and more.[Visit the YouTube Channel...

Daniel Di Martino, a fellow at the Manhattan Institute, joined us on the Guy Benson Show today! Benson and Di Martino began by discussing the viral debate video Daniel was a part of, where he managed to get leftists to label Republican Senator Susan Collins as a "radical." Also in the conversation, Di Martino touches on socialism vs. capitalism, and draws from his personal experience as a Venezuelan immigrant. With Benson, he argues about how most federal spending goes to people over the age of 65 through Social Security and Medicare, and more. Listen to the full interview below! Learn more about your ad choices. Visit podcastchoices.com/adchoices

It's Monday, September 28th, A.D. 2026. This is The Worldview in 5 Minutes heard on 140 radio stations and at www.TheWorldview.com.  I'm Adam McManus. (Adam@TheWorldview.com) By Adam McManus Muslims killed Nigerian pastor, wounded his son, and killed 12 others Armed Muslims killed a pastor and a believer on their way to worship God on Sunday morning in Plateau State, Nigeria, reports International Christian Concern. The pastor's son is in critical condition.  This was not an isolated attack. Just hours earlier, five laborers in the region were shot on their way to work. Gunmen also terrorized several surrounding communities, ultimately killing 13 people.  These murders reflect the heightened outbreaks against Christians and Christian-majority areas in the country.  According to TruthNigeria, this past week, 41 people were reportedly killed, and at least 100 were kidnapped. In Revelation 6:9-10, it says, “When [Jesus] opened the fifth seal, [John the disciple] saw under the altar the souls of those who had been slain because of the Word of God and the testimony they had maintained. They called out in a loud voice, ‘How long, Sovereign Lord, holy and true, until You judge the inhabitants of the Earth and avenge our blood?'” Argentinian President: The United Nations is “useless” In a gutsy appearance before the United Nations, Argentinian President Javier Milei said, "[The United Nations] has become a useless organization whose only purpose is to sustain a caste of fatally arrogant parasites masquerading as well-intentioned bureaucrats.” Incoming Democrat Rep. arrested in anti-Israel protest Dozens of New York Democratic politicians, including incoming Democratic Socialist Congresswoman Darializa Chevalier, were among those arrested on September 24th for ignoring police orders during an anti-Israel protest of 250 people, reports The Western Journal. Chevalier is a socialist ally of New York City Mayor Zohran Mamdani who is expected to be in Congress come January. She was protesting the speech by Israeli Prime Minister Benjamin Netanyahu at the United Nations General Assembly whom she called a “war criminal.” She said, “As the Democratic nominee for New York's 13th Congressional District, I refuse to allow a war criminal to roam the streets of our city unchallenged. I refuse to play host to a man who has overseen the slaughter or injury of more than 64,000 children in Gaza with American taxpayer dollars.” While Chevalier has not yet won the election, a very deep blue New York 13th District practically guarantees a victory. The politician arrested for disrespecting the rule of law has previously tweeted about abolishing police, prisons, and borders, and has explicitly called for the government to seize private property.  In one now deleted September 2021 post, Chevalier wrote, “A world without borders—just like a world without prisons or police—is possible, necessary, and the only moral way forward.” Media commentator: We are not spin doctors for Democrats Appearing on PBS' NewsHour, David Brooks of The Atlantic surprised his leftist media colleagues by asserting that too many in the mainstream media have become too cozy with Democrat politicians from whom they should distance themselves. Listen. BROOKS: “Starting in 2015, we, in the mainstream media, learned that, if you bash Donald Trump, the clicks go up, the ratings go up. It became the business model. We play it straight. We do our job, but it's become the business model. “We get to go to dinners, sometimes off-the-record dinners, between journalists, columnists, and politicians. It used to be, when you were at a dinner, an off-the-record dinner with the Democratic politician, there was distance between the journalists and the Democrats, because they're politicians. Our job is to keep some distance. “In my view, at many places and in many of the dinners I have been to, there's no distance anymore. And that is a problem for the media. And that is our problem. We have got to re-establish some distance from the Democratic Party. “These are people we cover. They're not people we root for. They're not people we're spin doctors for. They're people we cover.” (You can see those comments at the 7:05 mark in this video) Supreme Court allows Trump to verify only U.S. citizens vote In a 6-3 decision on September 25th, the U.S. Supreme Court allowed the Trump administration to resume its expanded voter citizenship verification program, which lets states use Social Security records to check voters' citizenship to ensure that noncitizens do not illegally vote in the upcoming November 3rd election, reports CBS News. That decision paused a lower court order by U.S. District Judge Sparkle Sooknanan in June that claimed that the voter verification system somehow violated federal privacy laws. Not surprisingly, Judge Sooknanan was a Biden appointee. Leftist Justices Sonia Sotomayor, Elena Kagan, and Ketanji Jackson dissented. New Jersey Lt. Gov. resigned over sexual harassment complaint On September 25th, New Jersey Democratic Governor Mikie Sherrill announced that Democratic Lt. Governor Dale Caldwell resigned from his position amid allegations in an ethics report that claimed he violated state sexual harassment policies, reports The Epoch Times. A 61-page report, conducted by a law firm commissioned by the governor's office, found that Caldwell made an advance toward a female staffer's friend and allegedly made a crude remark to the staffer. The staffer also attempted “to distance herself from him and to avoid travel with him when possible.” Kind gesture of pizza delivery driver richly rewarded And finally, when a Domino's store in Boise, Idaho ran out of Diet Coke, the 68-year-old delivery driver, Dan Simpson, took it upon himself this past March to make a special trip to a nearby grocery store and personally pay for a 2-liter soda for the customer to accompany the pepperoni pizza, reports The New York Post. When the surprised customer heard about what happened, he offered to reimburse Dan.  Simpson refused, saying that they had tipped him well and he just wanted to make sure that their order was right. Listen to that encounter captured on the customer's Ring camera. SIMPSON: “We were out of Diet Cokes.” WILSON: “Okay.” SIMPSON:  “I stopped at the store, though.” WILSON: “Oh, you did not have to do that.” SIMPSON:  “That's okay.” WILSON: “Did you really?” SIMPSON: “Yeah, that's all right.” Brian Wilson, the man who placed the order, explained to Channel 2 News, why Dan's act of kindness meant so much to him and his wife. WILSON: “Our situation is unique in the fact that my wife and I are both visually impaired. We share the same retinal disease. Hers is more progressed than mine. “So, she doesn't unfortunately drive at all. I do still have daytime ability to drive, but at night, when you got those Diet Coke cravings, you can't just run up to the store, right? It's not as easy for us as it would be for someone else who is sighted completely.” Galatians 5:22 lists the fruit of the Spirit to include “love, joy, peace, forbearance, kindness, goodness, faithfulness, gentleness and self-control.” According to the now viral video captured by the Ring camera, and seen by millions of people, the couple, who were dazzled by Simpson's helpfulness, created a social media donation page which raised enough money to help the pizza delivery man to retire. SIMPSON: “I checked my bank account, and there was $163,000. What a retirement gift that was!” Simpson was especially grateful because he had been juggling a full-time job in addition to delivering pizza at night for the past 13 years. In an interview with KTVB-TV, Simpson shared that he had previously abused alcohol, but had learned his lesson. SIMPSON: “I got in a lot of trouble with drinking and drugs, and I've been clean and sober now for well, this September, I think will be 24 years. I did go to prison twice for DUIs, and when I got out, I said, ‘That's it!' I knew I'd never drink again. I was just finally done. Ever since I stepped out of prison, I've basically worked two jobs and worked hard and tried to do the right thing.” Remarkably, he plans to continue to deliver pizza on the weekends, so he doesn't get bored in retirement. Close And that's The Worldview on this Monday, September 28th, in the year of our Lord 2026. Subscribe for free by Spotify, Amazon Music, or by iTunes or email to our unique Christian newscast at www.TheWorldview.com.  Plus, you can get the Generations app through Google Play or The App Store. I'm Adam McManus (Adam@TheWorldview.com). Seize the day for Jesus Christ.

Welcome to The Daily Wrap Up, an in-depth investigatory show dedicated to bringing you the most relevant independent news, as we see it, from the last 24 hours (9/28/26). As always, take the information discussed in the video below and research it for yourself, and come to your own conclusions. Anyone telling you what the truth is, or claiming they have the answer, is likely leading you astray, for one reason or another. Stay Vigilant. !function(r,u,m,b,l,e){r._Rumble=b,r[b]||(r[b]=function(){(r[b]._=r[b]._||[]).push(arguments);if(r[b]._.length==1){l=u.createElement(m),e=u.getElementsByTagName(m)[0],l.async=1,l.src="https://rumble.com/embedJS/u2q643"+(arguments[1].video?'.'+arguments[1].video:'')+"/?url="+encodeURIComponent(location.href)+"&args="+encodeURIComponent(JSON.stringify([].slice.apply(arguments))),e.parentNode.insertBefore(l,e)}})}(window, document, "script", "Rumble");   Rumble("play", {"video":"v7dxrti","div":"rumble_v7dxrti"}); Source Links (In Chronological Order): (19) vℹ️©️tory gℹ️n on X: "@VanessaBeeley @TLAVagabond https://t.co/8RE8437QMy" / X (11) Danny Haiphong on X: "If it walks like a duck, talks like a duck, then it's probably a duck. This story is walking and talking like a US-UK-Israeli false flag to justify renewed strikes on Iran." / X Villager called 999 after seeing vans and ‘balaclava'd' men by RAF base | The Independent RAF Fairford terror plot ‘looking to do big damage', Donald Trump says | The Standard Counter-terror police arrest 'car bomb plot' suspects near RAF base that launched Iran strikes after member of public calls 999 | Daily Mail Online RAF Fairford suspects released on bail, head of counter-terror police says - BBC News Fuel2U Fuel 2 You MN — Mobile Fuel Delivery for Busy Lives (19) ColonelTowner-Watkins on X: "So NATO is going to launch drone attacks on their own countries and pretend Russia did it. Got it. #OperationGladio" / X (19) Sulaiman Ahmed on X: "JUST IN: IRAN PRESIDENT PEZESHKIAN SAYS ISRAEL MAY HAVE CARRIED OUT FALSE FLAG ATTACK ON SAUDI PIPELINES “We and Yemen had no involvement in the attack on Saudi Arabia's pipeline. It is not unlikely that Israel carried out this action in order to inflame tensions and fuel https://t.co/yx6706pY5Y" / X New Tab How Trump Swindled Americans and Sold Out The Country To Technocrats powermacuser1 on X: "Current state of the Lincoln Memorial Reflecting Pool. Trump appears to have abandoned it after spending over $14 million in taxpayer $. https://t.co/tYBjS3PYfz" / X Trump's false and misleading claims about the Reflecting Pool | AP News (6) The Tennessee Holler on X: "They are playing in our faces" / X (6) ThePatrioticBlonde™

Interest rates are changing what it costs to borrow—and what your savings can earn. In this episode, Art covers four big money headlines, from the Fed and mortgage rates to Social Security and high-yield savings, with practical steps you can take now.Resources:8 Money MilestonesAsk a Money Question!

This Day in Legal History: The Black Sox IndictmentOn September 28, 1920, a Chicago grand jury indicted eight members of the Chicago White Sox for conspiring to throw the 1919 World Series in exchange for money from a gambling syndicate. That morning, pitcher Eddie Cicotte and “Shoeless” Joe Jackson had reportedly confessed. The scandal—forever after known as the “Black Sox”—remains one of the most famous intersections of crime, sport, and law in American history, and its legal legacy is more instructive than the folklore suggests.Here's the twist that every law student should sit with. The eight players went to trial on criminal conspiracy charges, and in 1921, a jury acquitted all of them. But the very next day, baseball's newly installed commissioner, federal judge Kenesaw Mountain Landis, banned all eight from organized baseball for life—famously declaring that regardless of any jury verdict, no player who fixes games or consorts with gamblers would ever play professional baseball again. So you have a stark divergence: the criminal-justice system, applying its high beyond-a-reasonable-doubt standard, found them not guilty, while a private governing body, applying its own rules and lower burden of proof, imposed the harshest sanction it could.The significance of September 28, 1920 is that lesson in parallel systems of accountability. Being cleared in a court of law is not the same as being cleared everywhere—private institutions, licensing bodies, and employers routinely impose their own consequences under their own standards, and they're generally entitled to. It's a theme that runs straight through today's episode, where we'll see companies held to account not by criminal courts but by state consumer-protection laws and civil juries—the many rooms, beyond the criminal courthouse, in which accountability actually happens.A jury in Santa Fe has found that Meta misled New Mexico residents about how it protected their data—and the potential penalties are genuinely staggering. This case traces back to the Cambridge Analytica scandal: the 2018 revelation that the political consulting firm, tied to the 2016 Trump campaign, harvested personal data from as many as 87 million Facebook users through a third-party app without their consent. New Mexico's attorney general sued in 2021, and after a two-week trial, the jury found that 26 of 29 statements Meta made were misleading, adding up to tens of millions of violations of the state's Unfair Practices Act—affecting essentially the entire population of the state, more than two million people. Here's where it gets eye-popping. The judge, not the jury, will now set penalties, and New Mexico is seeking the statutory maximum of $5,000 per violation. Do the math on tens of millions of violations and you get a theoretical exposure reaching into the billions—some coverage has floated figures over $200 billion, though the actual number the judge lands on will almost certainly be far lower, because courts have discretion and because due-process principles cap grossly excessive aggregate statutory penalties. That's the real legal drama here: the collision between per-violation statutory damages, designed for individual harms, and mass digital conduct affecting millions, where mechanical multiplication produces astronomical, arguably unconstitutional numbers. The significance is twofold. First, it's a powerful demonstration of state consumer-protection law as a weapon against Big Tech—New Mexico didn't need a federal privacy statute, it used its own deceptive-practices act. And second, it feeds directly into the trend we keep tracking: after years of Cambridge Analytica settlements, a jury has now actually found Meta liable to a state's entire population for deceiving them about privacy. Meta says it disagrees and will keep fighting.Meta misled consumers in case over Cambridge Analytica scandal, New Mexico jury says | Reuters · PBS News · EngadgetTikTok has settled with Alabama for at least $100 million—and up to $300 million if certain conditions are met—just days before what would have been the first state trial in the country over the platform's alleged harms to teenagers. This is a significant development in a fight we've followed closely. At least 27 other states and D.C. have sued TikTok on similar theories: that it deliberately designed its platform to be addictive to children and misled the public about how safe it is. Alabama's case was set to go before a Montgomery jury this Monday, in a trial expected to run two to three weeks and to pry open TikTok's internal workings—which is exactly the kind of exposure that tends to concentrate a company's mind on settling. And this settlement is notable not just for the money but for the injunctive relief, because the platform changes are substantial: overnight access restrictions for teen users between midnight and 6 a.m., limits on messaging and notifications overnight and during school hours, stronger age-verification, a ban on cosmetic filters for teens, a default non-personalized feed, beefed-up parental controls, and measures to keep adults from discovering teen accounts. From a legal standpoint, that injunctive component is arguably the more important half—money is a one-time cost a company TikTok's size can absorb, but forced design changes go to the heart of the business model the lawsuits target. It also connects to the whole ecosystem we've covered: the Texas ruling that TikTok misled users on child safety, the Meta addiction cases, California's Adam's Law. The significance is that TikTok, facing the prospect of airing its internal documents before a jury, chose to pay and change its product rather than risk a verdict—and it sets an expensive template that the other 27-plus states will now be measuring their own cases against.TikTok settles with Alabama ahead of first state trial over claims of teen harms | Reuters · CNBC · US NewsAnd finally, a major reversal in an arc we've tracked all month: the Supreme Court has restored the administration's mass voter-verification system, clearing states to use it ahead of the November midterms. In an unsigned emergency order, with the Court's three liberal justices dissenting, the justices blocked a lower-court order that had stopped officials from using the Department of Homeland Security's revamped SAVE system—the Systematic Alien Verification for Entitlements database—to run sweeping citizenship checks against voter rolls. This is the very system whose block we celebrated as upheld back in early September, when the D.C. Circuit kept it frozen; now the Supreme Court has lifted that freeze, at least while the litigation continues. Recall the design: at the President's March 2025 direction, DHS linked the 40-year-old SAVE program with Social Security records to enable bulk citizenship checks identifying supposed noncitizen voters. And recall the core objections, which haven't gone away. First, privacy—the League of Women Voters and the Electronic Privacy Information Center argue the revamp violates federal privacy laws by exposing Social Security data. Second, and most alarming, accuracy—investigations in Travis County, Texas, found that somewhere between 10% and 21% of voters flagged by SAVE were actually U.S. citizens. Sit with that: a tool being used to police voter rolls weeks before an election that may wrongly flag up to one in five as noncitizens, forcing real citizens to prove their status or risk removal. Now, an emergency-docket order like this is not a ruling on the merits—it's a decision about who bears the risk while the case proceeds, and the 6-3 split tells you the majority was willing to let the system run for now. The significance is heavy: after a month of courts repeatedly blocking federal efforts to centralize control over voter rolls, the Supreme Court has, on the shadow docket and over dissent, let the most sweeping of those tools go live for the midterms—accuracy concerns and all.Supreme Court restores Trump's mass voter verification system | Reuters · NPR · CNBC This is a public episode. 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The Supreme Court has restored access to the Trump administration's expanded SAVE citizenship-verification system while the government's appeal continues—putting voter checks back at the center of the 2026 midterm fight.Professor Nez breaks down what changed, how the federal SAVE database is used for citizenship verification, and why the Court's intervention matters for state and local election officials before November.SAVE stands for Systematic Alien Verification for Entitlements. The disputed expansion allows bulk searches and the use of Social Security information for voter-eligibility checks. A lower court blocked that expansion; the Supreme Court has now allowed it to operate during the appeal.In this video:• What election officials can do under the restored system.• Why the lower court restricted the expansion.• The majority's reasoning and the dissent's concerns about eligible citizens being incorrectly flagged.• Why the legal fight continues.My take: Americans deserve accurate voter rolls, reliable citizenship checks, and protection for every eligible citizen's vote.Should states use SAVE for voter citizenship checks? Tell me why in the comments.

Retirement does not always happen on the same timeline for both spouses. One person may feel burned out and ready to leave a demanding career, while the other still enjoys working. That difference affects more than a retirement date, it can reshape household cash flow, healthcare coverage, taxes, Social Security decisions, and the way a couple imagines life together.In this episode of A Wiser Retirement® Podcast, we discuss what happens when one spouse wants to retire while the other continues working. Casey Smith and Senior Financial Advisor Shawna Theriault, CFP®, CPA, CDFA®, explore both the financial calculations and personal conversations that help couples decide whether retiring at different times fits their shared plan.Related Podcast Episodes: Ep 353. Is $2 Million Enough to Retire? What about $3 Million?Ep 293. Retirement for Business Owners: Selling Your Business or Passing It OnRelated Financial Education Videos:Financial Habits to Avoid in RetirementHow Much Risk Should You Take in Your Retirement Portfolio?Learn More:Founded in 2001, Wiser Wealth Management is a fee-only fiduciary financial planning and wealth management firm helping individuals, families, and business owners make informed financial decisions.Have questions about your financial plan? Schedule a Complimentary Consultation to discover how we can help you achieve financial freedom. We are local to Atlanta, but can meet with you virtually from wherever you are. Access Our Free Guides: Gain valuable insights on building a financial legacy, the importance of a financial advisor for business owners, and the tax impact on inheritance, and more!Stay Connected:Follow Wiser Wealth Management on Social Media: Facebook | Instagram | LinkedIn | TwitterSubscribe to A Wiser Retirement® YouTube Channel for more financial education videos and podcast episodes. This podcast was produced by ...

Is it possible to do a Roth conversion too early? In this episode of Money Matters, Scott and Pat break down why the timing of your tax planning matters just as much as the strategy itself. They answer real listener questions on navigating the retirement transition—from managing adjusted gross income, to understanding how a great financial advisor provides value beyond just managing a portfolio. Plus, Allworth Chief Investment Officer Andy Stout joins to discuss the 10-year Treasury yield hitting 5%, putting rising interest rates and government debt into historical perspective. In this episode, Scott and Pat discuss: Roth Conversion Timing: Why converting too early could unintentionally spike your healthcare premiums under the Affordable Care Act. The Value of Wealth Planning: What you should expect from an advisor beyond investment management, and how to evaluate fee structures. 5% on the 10-Year Treasury: Allworth Chief Investment Officer Andy Stout breaks down inflation expectations, Federal Reserve rate moves, and market volatility. National Debt & Entitlements: Putting modern government spending and Social Security concerns into long-term context.   Join Money Matters:  Get your most pressing financial questions answered by Allworth's co-founders Scott Hanson and Pat McClain. Call 833-99-WORTH. Or ask a question by clicking here.  You can also be on the air by emailing Scott and Pat at questions@moneymatters.com. Download and rate our podcast here.

Peter Schiff on 22-year high yields, record diesel, McDonald's inflation warning, and Trump's claim he told Warsh how to vote.