Podcasts about social security

You've planned for retirement. You've built your savings, mapped out your Social Security strategy, and thought through market risks. But what happens if one day, you can't manage your money at all? It's an uncomfortable question – and one many people avoid. Yet, research shows that cognitive decline can quietly undermine financial decision-making, often earlier than we expect, and with serious consequences.  On this special episode of HerMoney, sponsored by LIMRA, Dr. Chris Heye, LIMRA Retirement Income Institute Fellow and CEO of Whealthcare Planning and Wealthcare Solutions, explains why health risks – especially cognitive decline – may be one of the biggest blind spots in retirement planning today. Then, Erin Gilmore Smith, Head of Estate Planning for Edelman Financial Engines, joins us to share practical steps you can take now to protect your finances, your family, and your future self.  In this episode, they'll highlight: Why health risks – and especially cognitive decline – might matter more than the markets How cognitive decline shows up in our finances, before we realize we have it Why women are more challenged when it comes to the risk of cognitive decline – and how we can protect ourselves Protected income can help create greater stability in retirement, especially in the face of potential cognitive decline. If you're curious and want to dig deeper, this resource from LIMRA can help: Protect Your Retirement From Cognitive Decline: The Link Between Cognitive Health and Financial Security Learn more about your ad choices. Visit megaphone.fm/adchoices

In part one of Red Eye Radio with Gary McNamara and Eric Harley, today is the deadline for filing your taxes for tax year 2025. The guys begin by discussing their specific tax details and how Social Security guidelines are specific for last year. Also The Department of the Treasury and the IRS issued proposed regulations that would provide rules and definitions related to the new excise tax under the One, Big, Beautiful Bill, paying interest on the national debt and where does you tax dollar actually go. Also the latest on the Eric Swalwell scandal and the business model of Zohran Mamdani's expensive grocery store. For more talk on the issues that matter to you, listen on radio stations across America Monday-Friday 12am-5am CT (1am-6am ET and 10pm-3am PT), download the RED EYE RADIO SHOW app, asking your smart speaker, or listening at RedEyeRadioShow.com. Learn more about your ad choices. Visit podcastchoices.com/adchoices

──────────────────────────────────────── [00:08:52] "No Tax on Tips" Is a Head Fake — Capped, Restricted, Payroll Taxes Still Apply IRS limited the policy to ~70 occupations, capped qualifying tips at $25,000, excluded mandatory service charges, and left Medicare and Social Security intact. Most tipped workers see minimal benefit. ──────────────────────────────────────── [00:23:19] Fertilizer Up 40-50% — Farmers Who Voted 75% for Trump Being Blindsided Urea up 50% at New Orleans. Farmers are cutting yields. Rollins: 80% bought before prices spiked — only 20% are being destroyed. Trump blamed the fertilizer monopoly. ──────────────────────────────────────── [00:35:04] Knight Played This on Election Eve 2020: Warp Speed Is a Military Surveillance Infrastructure Knight replays his November 2020 broadcast: Moderna's DARPA/CIA contract was 53 pages, almost entirely redacted. He said there is no safe vaccine in Warp Speed — it was infrastructure for totalitarian control. He was fired for this. ──────────────────────────────────────── [00:52:28] Trump Used the 1930 Smoot-Hawley Tariff Act to Subpoena a Reddit User Who Criticized ICE Federal prosecutors ordered Reddit to hand over data on a user who posted biographical details about an ICE agent. Legal basis: a 1930 customs law governing boat show sales. When challenged in court, the government withdrew — then returned with a secret grand jury. ──────────────────────────────────────── [00:59:12] Digital ID Bills Advancing — Pre-Collected Identity Will Eliminate the Need for Subpoenas Half of US states already require government ID for certain platforms. Zuckerberg told a court Apple and Google should verify every smartphone user at the OS level. Knight: digital ID eliminates subpoenas — identity is pre-collected, waiting. ──────────────────────────────────────── [01:29:07] Pfizer's Chief Toxicologist: Cancer Risk Studies Were Skipped — Reproductive Harm Was Never Studied Pfizer's former chief toxicologist testified to a German inquiry that cancer risk studies were skipped due to time constraints and the vaccine's impact on pregnancy was never studied — while the government mandated it for pregnant women. ──────────────────────────────────────── [01:38:59] Saudi Arabia Canceled the Petrodollar Agreement Two Years Ago — Forbes Just Reported It Saudi Arabia secretly ended the 50-year petrodollar deal two years ago. The dollar's global reserve share has fallen from 71% in 1999 to 57% today. China is now offering Gulf states the same security umbrella the US used in 1974. ──────────────────────────────────────── [01:43:35] Jeffrey Sachs: The US Has Diverted Trillions to War While Roads and Infrastructure Collapse Jeffrey Sachs: if you ask why roads don't work and living standards are declining, it's because we spend trillions on war. Trump lied every word about America first. They've squandered our wealth for the Zionist lobby. ──────────────────────────────────────── [01:47:58] Netanyahu Told Israel He Had Been Waiting 40 Years for This War Netanyahu told the Israeli people he had been waiting for this moment for 40 years. Knight: not a reaction to a threat — the execution of a decades-long plan whose real goal is the destruction of the Middle East. ──────────────────────────────────────── [01:53:22] Stable Coin Is a Retail-Level CBDC — Designed to Destroy Community Banks The White House stable coin plan uses retail customers to buy Treasury bonds foreign central banks no longer want. Eric Trump boasted community banks will disappear. Knight: same function as a CBDC, laundered through private companies. ──────────────────────────────────────── [01:58:39] Dershowitz Claims Credit for Telling Trump to Blockade the Strait — Which Was Already Closed Dershowitz boasted he advised Trump to blockade the Strait of Hormuz — already closed by Iran. Levin and Pollard are using identical talking points to push Trump toward nuclear weapons. ──────────────────────────────────────── [01:59:20] GOP Senator: Americans Can Handle Higher Gas Prices — It's for National Security Senator Roger Marshall told constituents to handle higher gas prices because it's for national security. Knight: national security is a code word for continuity of government — not peace or prosperity. ──────────────────────────────────────── Money should have intrinsic value AND transactional privacy: Go to https://davidknight.gold/ for great deals on physical gold/silver For 10% off Gerald Celente's prescient Trends Journal, go to https://trendsjournal.com/ and enter the code KNIGHT Find out more about the show and where you can watch it at TheDavidKnightShow.com If you would like to support the show and our family please consider subscribing monthly here: SubscribeStar https://www.subscribestar.com/the-david-knight-showOr you can send a donation throughMail: David Knight POB 994 Kodak, TN 37764Zelle: @DavidKnightShow@protonmail.comCash App at: $davidknightshowBTC to: bc1qkuec29hkuye4xse9unh7nptvu3y9qmv24vanh7Become a supporter of this podcast: https://www.spreaker.com/podcast/the-david-knight-show--2653468/support.

──────────────────────────────────────── [00:08:52] "No Tax on Tips" Is a Head Fake — Capped, Restricted, Payroll Taxes Still Apply IRS limited the policy to ~70 occupations, capped qualifying tips at $25,000, excluded mandatory service charges, and left Medicare and Social Security intact. Most tipped workers see minimal benefit. ──────────────────────────────────────── [00:23:19] Fertilizer Up 40-50% — Farmers Who Voted 75% for Trump Being Blindsided Urea up 50% at New Orleans. Farmers are cutting yields. Rollins: 80% bought before prices spiked — only 20% are being destroyed. Trump blamed the fertilizer monopoly. ──────────────────────────────────────── [00:35:04] Knight Played This on Election Eve 2020: Warp Speed Is a Military Surveillance Infrastructure Knight replays his November 2020 broadcast: Moderna's DARPA/CIA contract was 53 pages, almost entirely redacted. He said there is no safe vaccine in Warp Speed — it was infrastructure for totalitarian control. He was fired for this. ──────────────────────────────────────── [00:52:28] Trump Used the 1930 Smoot-Hawley Tariff Act to Subpoena a Reddit User Who Criticized ICE Federal prosecutors ordered Reddit to hand over data on a user who posted biographical details about an ICE agent. Legal basis: a 1930 customs law governing boat show sales. When challenged in court, the government withdrew — then returned with a secret grand jury. ──────────────────────────────────────── [00:59:12] Digital ID Bills Advancing — Pre-Collected Identity Will Eliminate the Need for Subpoenas Half of US states already require government ID for certain platforms. Zuckerberg told a court Apple and Google should verify every smartphone user at the OS level. Knight: digital ID eliminates subpoenas — identity is pre-collected, waiting. ──────────────────────────────────────── [01:29:07] Pfizer's Chief Toxicologist: Cancer Risk Studies Were Skipped — Reproductive Harm Was Never Studied Pfizer's former chief toxicologist testified to a German inquiry that cancer risk studies were skipped due to time constraints and the vaccine's impact on pregnancy was never studied — while the government mandated it for pregnant women. ──────────────────────────────────────── [01:38:59] Saudi Arabia Canceled the Petrodollar Agreement Two Years Ago — Forbes Just Reported It Saudi Arabia secretly ended the 50-year petrodollar deal two years ago. The dollar's global reserve share has fallen from 71% in 1999 to 57% today. China is now offering Gulf states the same security umbrella the US used in 1974. ──────────────────────────────────────── [01:43:35] Jeffrey Sachs: The US Has Diverted Trillions to War While Roads and Infrastructure Collapse Jeffrey Sachs: if you ask why roads don't work and living standards are declining, it's because we spend trillions on war. Trump lied every word about America first. They've squandered our wealth for the Zionist lobby. ──────────────────────────────────────── [01:47:58] Netanyahu Told Israel He Had Been Waiting 40 Years for This War Netanyahu told the Israeli people he had been waiting for this moment for 40 years. Knight: not a reaction to a threat — the execution of a decades-long plan whose real goal is the destruction of the Middle East. ──────────────────────────────────────── [01:53:22] Stable Coin Is a Retail-Level CBDC — Designed to Destroy Community Banks The White House stable coin plan uses retail customers to buy Treasury bonds foreign central banks no longer want. Eric Trump boasted community banks will disappear. Knight: same function as a CBDC, laundered through private companies. ──────────────────────────────────────── [01:58:39] Dershowitz Claims Credit for Telling Trump to Blockade the Strait — Which Was Already Closed Dershowitz boasted he advised Trump to blockade the Strait of Hormuz — already closed by Iran. Levin and Pollard are using identical talking points to push Trump toward nuclear weapons. ──────────────────────────────────────── [01:59:20] GOP Senator: Americans Can Handle Higher Gas Prices — It's for National Security Senator Roger Marshall told constituents to handle higher gas prices because it's for national security. Knight: national security is a code word for continuity of government — not peace or prosperity. ──────────────────────────────────────── Money should have intrinsic value AND transactional privacy: Go to https://davidknight.gold/ for great deals on physical gold/silver For 10% off Gerald Celente's prescient Trends Journal, go to https://trendsjournal.com/ and enter the code KNIGHT Find out more about the show and where you can watch it at TheDavidKnightShow.com If you would like to support the show and our family please consider subscribing monthly here: SubscribeStar https://www.subscribestar.com/the-david-knight-showOr you can send a donation throughMail: David Knight POB 994 Kodak, TN 37764Zelle: @DavidKnightShow@protonmail.comCash App at: $davidknightshowBTC to: bc1qkuec29hkuye4xse9unh7nptvu3y9qmv24vanh7Become a supporter of this podcast: https://www.spreaker.com/podcast/the-real-david-knight-show--5282736/support.

Tax Day is here, and Washington wants credit for "relief" that still leaves you poorer. Nate and Chuck break down why no tax on tips, overtime, and Social Security is not what it sounds like. This episode covers tax day, inflation, government spending, Trump tax policy, Republican spending, and why the real tax is what the government spends. The guys dig into the fine print behind no tax on tips and no tax on overtime, plus why those savings can get wiped out by inflation, borrowing, and war. They also react to the staged DoorDash grandma White House clip, debate whether Republicans deserve to lose the midterms, and explain why mass pardons for administration officials could become a bipartisan disaster. Chapters 00:00:00 Good Morning Liberty opens 00:02:00 Tax Day and why paying taxes feels insane 00:03:15 Payroll taxes and wage garnishing normalized 00:05:15 The "no tax on tips" promise and the catch 00:08:30 The real tax is government spending 00:17:45 DoorDash grandma and staged tax relief optics 00:21:15 Should Democrats win the midterms? 00:25:45 DOGE, Congress, and why real cuts never came 00:35:45 Trump's promise of mass pardons 00:39:15 Can the Constitution limit pardon abuse? 00:43:45 Final joke: pardon all Americans for taxes Watch All Episodes: https://www.youtube.com/playlist?list=PLi78svKlBr_8o0dDOX8DxO_Wwxu6WYhhA Watch Host Favorites: https://www.youtube.com/playlist?list=PLi78svKlBr__Zu40RL7mWxCuOOe54zgy2 Join the Fed Haters Club @ joingml.com All links @ gml.bio.link Subscribe, like, comment, and share this with one tax-hating friend. And if you listen on podcast apps, follow the show and leave a rating and review.  

President Trump promised that new tax provisions in his One Big Beautiful Bill would deliver a windfall to millions of Americans. No more taxes on overtime. No taxes on tips. No taxes on  Social Security payments. While many taxpayers are seeing larger tax refunds this year, the fine print behind Trump's promises means these tax breaks have been smaller than many expected. We look at the impact of changes in the tax code and who stands to benefit the most. And if you haven't submitted your returns yet, we want to hear from you: What questions do you still have before the midnight filing deadline. Guests: Shannon Pettypiece, senior policy reporter, NBC News Digital Karen Brosi, tax preparer and certified financial planner Learn more about your ad choices. Visit megaphone.fm/adchoices

What if debt isn't just a financial issue—but a discipleship one? We often view borrowing through a practical lens: interest rates, monthly payments, and payoff timelines. But Scripture invites us to look deeper. Debt doesn't just affect our wallets—it can shape our freedom, influence our generosity, and impact our ability to respond when God calls. Understanding debt through a biblical perspective helps us see why it matters far beyond the numbers. The Weight Debt Carries Borrowing is common in modern life. Credit cards, student loans, mortgages, and business financing are often seen as normal—even necessary. And while Scripture doesn't call debt a sin, it does consistently warn us about its burden. Proverbs 22:7 reminds us, “The borrower is the slave of the lender.” In the ancient world, that was sometimes literal. Today, while we aren't entering servitude, the principle still applies. Debt creates obligations. It ties up future income. It can limit flexibility and shape decisions in ways we don't always anticipate. In many ways, debt mortgages the future—affecting not just our finances, but our availability. When Debt Becomes a Discipleship Issue Debt becomes a spiritual concern when it limits our ability to follow God freely. Imagine feeling led to give generously, help someone in need, or step into a ministry opportunity—but being unable to respond because your income is already committed. That's where debt intersects with discipleship. Romans 13:8 says, “Let no debt remain outstanding, except the continuing debt to love one another.” While Paul is primarily speaking about relational obligations, the principle carries weight: financial commitments should never overshadow our greater calling to love and serve others. So the better question isn't simply, “Am I allowed to take on this debt?” It's, “Will this decision increase or limit my ability to love, give, and respond to God?” Wisdom Over Permission Scripture consistently calls us beyond what's permissible to what's wise. In 1 Corinthians 10:23, Paul writes, “‘I have the right to do anything,' you say—but not everything is beneficial. Not everything builds up.” Some debt may be appropriate—a modest mortgage or a thoughtfully planned business loan, for example. But much of the debt we carry isn't driven by necessity. It often comes from impatience, comparison, or cultural pressure. When we continually borrow from the future, we may miss opportunities God places before us today. Grace for the Journey If you're already carrying debt, the response isn't shame—it's grace. The gospel begins with a powerful truth: our greatest debt has already been paid. When Jesus declared “It is finished” (John 19:30), the Greek word tetelestai was often written on receipts to indicate a debt paid in full. We owed a debt we could never repay, and Christ paid it completely. That truth reshapes how we approach financial debt. We pursue repayment not out of guilt, but out of gratitude—and a desire to walk in the freedom Christ has secured for us. The goal isn't perfection—it's faithfulness. Start by taking an honest look at your current obligations. Not just the numbers, but how they affect your ability to live out God's calling. From there, consider practical steps: Build or refine a budget Create a clear repayment plan Align your spending with your priorities Psalm 37:21 says, “The wicked borrows but does not pay back, but the righteous is generous and gives.” Faithful stewardship isn't just about getting out of debt—it's about growing in generosity and readiness. Freedom Leads to Availability Charles Spurgeon once warned that debt “is a small beginning, but a giant's ending.” What starts as convenience can become a chain that limits where God is leading. But freedom from debt isn't about legalism—it's about availability. It's about being ready, like Isaiah, to say, “Here I am. Send me” (Isaiah 6:8). That's the invitation: take one step. Seek wisdom. Build margin. Walk in grace. Because when God calls, the goal isn't to say, “Maybe someday”—it's to say, “Yes, Lord. I'm ready.” A Resource to Go Deeper If you want to explore this idea further, Rob West's new devotional, Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship, walks through what it means to see God—not money—as our ultimate treasure. It's available now at FaithFi.com/Shop, and if you'd like to go through it with your church or small group, discounted bulk pricing is available. On Today's Program, Rob Answers Listener Questions: We're both over 70 and earn about $185,000 combined. Would it be better to file taxes jointly or separately to maximize benefits? I have $300,000 in CDs and want to explore slightly higher-return options. What conservative alternatives should I consider? My tax return was rejected for missing a 1095-A, but I don't have marketplace insurance. How can I fix this? I'm 65, retired, and receiving Social Security while pastoring part-time. Can I still contribute to a Roth IRA or other retirement account? Is the Social Security late enrollment penalty really permanent, or can it ever be removed? I mistakenly filed ‘married filing separately' and already got my refund. Can I amend it to ‘married filing jointly,' and how? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Christian Community Credit Union | AdelFi TreasuryDirect.gov Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

It's almost Tax Day. And while some of us may have waited till the last minute to do our taxes, the federal government sure won't be wasting any time spending them. This morning, we're unpacking how much of your tax bill goes toward services like defense, Social Security, health care, food assistance, the national debt, and more. Plus, there's been no net job creation over the last six months, which can make the economy more vulnerable.

It's almost Tax Day. And while some of us may have waited till the last minute to do our taxes, the federal government sure won't be wasting any time spending them. This morning, we're unpacking how much of your tax bill goes toward services like defense, Social Security, health care, food assistance, the national debt, and more. Plus, there's been no net job creation over the last six months, which can make the economy more vulnerable.

Who would have thought that children can be victims of identity theft? The sad truth is that kids become identity theft victims more often than we realize. If you're concerned about the possibility of your child becoming a victim, keep listening, because we provide some helpful ways to safeguard their identities from thieves.  Links: Learn more about Triangle's Better Checking account with identity theft protection and to view your credit report and score Check out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.  Child identity theft isn't something we often think about. However, it occurs more often than you might expect. According to Javelin's Child Identity Fraud Report, child identity theft affects 1.25 million kids every year, which translates to about one in 50 children in America. When you see those numbers, it becomes apparent that we must act now to protect the children in our lives.  What Is Child Identity Theft?   According to the Federal Trade Commission, “Child identity theft happens when someone takes a child's sensitive personal information and uses it to get services or benefits or to commit fraud. They might use your child's Social Security number, name and address, or date of birth.”   Child identity theft happens for a multitude of reasons. The perpetrator could use this information to open a bank or credit card account, apply for government benefits, or even sign up for a utility service or rent a place to live. Much like other types of identity theft, it can be easy for this type of identity theft to remain undetected for months or even years.   How It Happens  As with adults, identity theft against children can be perpetrated through a variety of sources. Below we have listed some ways that children's personally identifiable information (PII) could be exposed and then potentially used for fraudulent purposes.  Data Breaches. Kids' personal identifying information is in so many places, and nothing is completely secure. Schools, doctors' offices, and your home can all experience security breaches. After a child's confidential information or PII is exposed, whether the data breach incident is accidental or with malicious intent, the security breach cannot be undone. Often, criminals will wait to utilize confiscated information for their own purposes.   Familial Fraud. Three out of four cases of child identity theft come from those close to the victim, in what is known as familial fraud, and often occur in correlation with other forms of abuse, according to Javelin's Child Identity Fraud Report. Kids are often more trusting than adults, especially when they know the person who is asking for their information. Unscrupulous individuals at times utilize the PII of their own children, or children they know through family or friends, for their own benefit.  Phishing. These scams don't just target adults. Children that use the internet without parental supervision have a higher chance of giving their sensitive information to a scammer, not realizing that they are being tricked. Kids don't always know not to share their birth date, place of birth, and passwords with strangers or online “friends.”   Hacking. As more children have their own devices, and often multiple devices (computers, tablets, and phones), hacking becomes more common. Hackers can gain access to the information stored on these devices and can also log in to social media accounts, which they could use to attempt to defraud friends and family, acting as your child.  Warning Signs of Child Identity Theft  Regardless of the way the information makes it into the hands of identity thieves, below are some warning signs that your child's identity may have been stolen:  Unexpected Mail. Your child begins receiving credit card offers, collection notices, or bills under their name.  Collection Calls. You or your family members begin to receive calls from collection agencies for unpaid bills in your child's name.  Government Benefits Denials. Your child is denied government benefits because they are already being claimed, when this is not the case.  IRS Notifications. The IRS contacts you or your child about your child owing taxes or indicates that their SSN was used on another tax return.  How You Can Help Protect Your Children   The best way to help protect your family from identity theft is to be proactive in helping to prevent it. The most effective preventative measure is education. This type of education will not only help protect them now, but it is information that will benefit them as adults.   Keep Important Documents in a Secure Location. Keep your family's personal identifying information in a secure place in your home, be selective about what services you sign up for, and don't give your information unless it is necessary. Make sure that any important documents in your home, such as Social Security cards, birth certificates, or other legal documents, are stored securely to avoid compromise.  Share Personal Information with Caution. Assess the need before listing your child's Social Security number (SSN) on forms. Schools and school break camps shouldn't be using it as the only unique ID for each child. If an SSN is required, don't be afraid to ask if it's ok to share only the last 4 digits of your child's SSN.  Educate Your Child. Talk to your child about the importance of privacy and the dangers of sharing personal information online and offline. Ensure that your child isn't sharing personal information like their birthdate, address, or school on social media, other online platforms, or with other individuals without your permission.  Secure Your Mail. If you're sending or receiving mail with personal details, especially if those personal details pertain to your children, consider using a mailbox that locks or opt for electronic delivery. Retrieve your mail daily as soon as possible. Consider opting into the U.S. Postal Service's “Informed Delivery” service. It's free to sign up, and it will provide a Daily Digest email that will preview your mail and packages scheduled to arrive soon, along with an image of each of your incoming letter-sized mail pieces. This will help you stay vigilant if any missing mail never arrives.   Discard Unnecessary Documents with Care. If you have postal mail or other important documents that you no longer need to keep on file, make sure that you use a cross-cut shredder to securely destroy the paperwork. Criminals can engage in "dumpster diving" to retrieve discarded paperwork with personal information, potentially compromising you and your family.  Monitor Your Child's Personal Information. If you have Triangle's Better Checking, you and your family are covered with dark web monitoring. This benefit monitors your personal information and any registered credentials. You have the option to add additional credentials in your secure account as well; you could consider adding your child's SSN or other identifiers to monitor any potential compromise or exposure on the dark web.  Child identity theft can have long-lasting consequences, potentially impacting your child's credit and future opportunities. By remaining vigilant, educating your child, and keeping a close eye on his or her personal information, you can help better protect your child from the impacts of identity theft.  While these recommendations are designed to help protect your children's identities, they can apply to your own personal information as well. Remember to communicate with caution and treat all personal information with care, whether it belongs to you or your loved ones.   We Are Standing Ready to Help   If you suspect identity theft or you find your personal information has been compromised, you have access to a team of professional Identity Theft Recovery Advocates as a no-cost benefit of your Better Checking account. These professionals are trained and ready to help you reverse the damage and get back on track quickly. Our experienced advocates know how to spot identity theft and, when necessary, will support you through the process of repairing any damage.  If you suspect identity fraud has affected any member of your family, even your minor children, our team of Identity Theft Recovery Advocates is standing by, ready to support you and your family. They are experienced in spotting child identity theft and supporting you through the process of repairing the harm it may cause now and in the future.  If you do not currently have a Better Checking account, visit trianglecu.org/bank/checking to learn more.  If there are any other tips or topics you would like us to cover, let us know at tcupodcast@trianglecu.org. Like and follow our Making Money Personal FB and IG page and look for our sponsor, Triangle Credit Union on social media to share your thoughts.   Thanks for listening to today's Money Tip Tuesday and check out our other tips and episodes on the Making Money Personal podcast. 

What if the most chilling dystopia isn'timagined—but already in motion? InAshes of the Republic, author James Chesterton delivers a razor-edgedpolitical thriller set in a near-future America where surveillance, AI governance, and the fusion ofchurch and state have quietlyredrawn the boundaries of personal freedom. With eerie parallelsto some of today's headlines, this fast-paced futuristic story is atimely and provocative pick for coverage and author interviews. Pleaserefer to the press release below for additional information, and let meknow if you would like to receive a copy of Ashes of the Republicfor interview and/or review purposes. FORIMMEDIATE RELEASE Ashes OfThe Republic: New Political Thriller Imagines an America Shaped ByTheocratic Power “A sharp,timely examination of power, corruption, and control in a worldlulled into complacency.” — Kirkus Reviews WESTPORT, Conn.,April 1, 2026 — In James Chesterton's dark and thrillingfuturistic satire, Ashes of the Republic (Broken Ledger Press;April 28, 2026), it's the year 2046, and Christian Nationalismhas fully consolidated power. Evidence of liberalism is subject topunishment, women's bodies are governed by data, medical professionals have been replaced with AI, andthe blueprint for authoritarian rule is no longertheoretical—it's fully operational. At thecenter of the story is Lily Osbourne, a gifted technologist who once helpedbuild the very systems that now govern daily life. After crossingher employer, Dennison Robotics CEO Iwanna Dennison, Lily is cast out ofpower and retreats into quiet anonymity. That fragile invisibility shatters during a routine airportscreening when a TSA agentinforms her that she is pregnant, which is strictly controlled by thegovernment. In the Republic, all unregistered pregnancies are flagged.Her fetus is issued a Social Security number. The state is notified.Her body is no longer her own. She and her boyfriend, Jeff Maslow, aformer professor once arrested for reading Walt Whitman, must nowfind a way to survive, even as Iwanna Dennison claws her way to thehighest reaches of power, the focus of her psychotic ambition. Deeplyrooted in current events, Ashes of the Republic draws from real-worlddebates surrounding reproductive surveillance, the fusion of religionand state power, the erosion of privacy, and the expanding role ofdata and AI in governance. Policies and ideas that felt speculativeduring the novel's early drafts have since emerged as courtrulings, legislative proposals, and political platforms, Chestertonexplains. “This isnot distant dystopia or traditional science fiction. Nearly everymechanism of controldepicted in the novel already exists today, waiting only for the removalof institutional limits to be fully realized,” Chestertonsaid, enumerating these plot points: · TheUnited States is now a theocratic surveillance state. · Electionsare performative. · Dissentis being criminalized. · Women'sbodies are regulated by data systems backed by religious authorityand unchallenged executive power. · Freedomis being bureaucratized out of existence. “This isn'tyour parents' sci-fi,” he added. “Its tone is controlled,unsentimental, and wickedly funny—a fast-paced thrill ride fullof twists and turns.” Ashes ofthe Republic is the first installment in the Ascent of Dennisonseries of gripping political thrillers that asks what happens when legal,cultural, and moral guardrails are deliberately dismantled by leaderswho believe themselves divinely justified and technologically unaccountable. Ashes ofthe Republic: A Dark Speculative Thriller Publisher:Broken Ledger Press ReleaseDate: April 28, 2026 ISBN-13:979-8-9951710-1-0 (paperback) ISBN-13:979-8-9951710-2-7 (hardcover) ISBN-13:979-8-9951710-3-4 (audiobook) ISBN-13:979-8-9951710-0-3 (eBook) Available from https://www.amazon.com/Ashes-Republic-Dark-Speculative-Thriller-ebook/dp/B0GT1RCVBR

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Dorothea Puente looked like the perfect landlady. Warm. Trustworthy. Harmless. But behind the doors of her Sacramento boarding house lurked something far darker.Throughout the 1980s, she preyed on the elderly and mentally disabled, offering shelter before poisoning them, burying their bodies in her garden, and cashing their Social Security checks.For years, she got away with it.Until one disappearance exposed a chilling truth: this was not a home, it was a graveyard.Even more disturbing, she was only convicted of three murders, leaving the full scale of her crimes unresolved.This episode uncovers a story of manipulation, greed, and cold blooded calculation.CREDITS: Presenters: Geoffrey and Molly WansellProducer: Peter Shevlin https://pod60.com/Artwork: George LeighMusic: Dan WansellCONTACT: Twitter: @BloodTies_PodInstagram:@bloodtiespodcastEmail: bloodties.podcast@gmail.com YouTube: https://www.youtube.com/@bloodtiespodcastSupport: patreon.com/bloodtiespodcastPlease complete our survey if you have time: http://bit.ly/bloodtiespodcast-survey Hosted on Acast. See acast.com/privacy for more information.

Shadow Politics with Senator Michael D. Brown and Co-host Liberty Jones Political Debate Against the Other Side of the Isle and Ideological Crossroads Guest, Noah Witherspoon - Floridian political activist of Turning Point USA On Shadow Politics, an intense and polarizing discussion featuring host Senator Michael D. Brown, co-host Liberty Jones, debating conservative organizer Noah Witherspoon. The dialogue serves as a microcosm of the current American political divide, touching on fiscal policy, constitutional interpretation, and the moral foundations of leadership. The conversation begins on a "homework assignment" given to Noah Witherspoon to justify conservative appeal to senior citizens. This quickly evolves into a heated debate over Donald Trump's legacy, the validity of Critical Race Theory, and the legal nuances of birthright citizenship, highlighting a sharp contrast between institutional experience and emerging grassroots conservatism. The Conservative Case for Seniors and Fiscal Rebuttals Noah Witherspoon presented several arguments for why seniors should align with conservatism, focusing on economic security through the Tax Cuts and Jobs Act (TCJA) and the protection of Social Security. He highlighted the record-high VA budget of $488 billion projected for 2027 and the construction of over 450 miles of border wall as key successes. Senator Brown countered these points by arguing that the Republican party has historically sought to cut Social Security and that the current administration's focus on defense spending comes at the expense of essential social services like childcare. Urban Governance and the "Beautification" of D.C. A significant portion of the debate focused on the "Beautification Movement" in Washington, D.C. Liberty Jones questioned the ethics of spending 400 million on ball room renovations and 10 billion on D.C. aesthetics while cutting 120,000 households for elderly housing and 33,000 for people with disabilities. Noah defended these expenditures as necessary for the dignity of the nation's capital, while the Senator characterized private donations for these projects as "bribes" and criticized the incompetence of newly appointed judicial figures like Jeanine Pirro. Social Theory and Academic Influence The participants clashed over the role of Critical Race Theory (CRT) in academia. Noah characterized CRT as a "dangerous concept" that suggests racism is permanent within white society. In response, Liberty Jones, a sociology minor, argued that CRT is a structural analysis of systemic disparities, such as housing, rather than an attack on individuals. The Senator added that understanding the "prologue" of American history—including its darker chapters—is essential for future progress. Faith, Values, and the MAGA Slogan The dialogue concluded with a philosophical exploration of "Make America Great Again" and Christian values. The hosts argued that the MAGA slogan ignores historical periods of racial and gender-based oppression. Senator Brown challenged Noah to find "Christianity" in policies of retribution and military aggression, citing biblical passages on love and neighborliness. Noah maintained that Trump is a "builder" who is valiantly defending the country's foundations. The interview underscores a profound disconnect between the "facts" as perceived by different political factions. While Noah Witherspoon represents a highly articulate and researched new generation of conservatives, Senator Brown and Liberty Jones emphasize historical context and institutional integrity. The debate remains unresolved, reflecting the broader national struggle to define the "true" American identity and the proper interpretation of its founding documents..

Shadow Politics with Senator Michael D. Brown and Co-host Liberty Jones Political Debate Against the Other Side of the Isle and Ideological Crossroads Guest, Noah Witherspoon - Floridian political activist of Turning Point USA On Shadow Politics, an intense and polarizing discussion featuring host Senator Michael D. Brown, co-host Liberty Jones, debating conservative organizer Noah Witherspoon. The dialogue serves as a microcosm of the current American political divide, touching on fiscal policy, constitutional interpretation, and the moral foundations of leadership. The conversation begins on a "homework assignment" given to Noah Witherspoon to justify conservative appeal to senior citizens. This quickly evolves into a heated debate over Donald Trump's legacy, the validity of Critical Race Theory, and the legal nuances of birthright citizenship, highlighting a sharp contrast between institutional experience and emerging grassroots conservatism. The Conservative Case for Seniors and Fiscal Rebuttals Noah Witherspoon presented several arguments for why seniors should align with conservatism, focusing on economic security through the Tax Cuts and Jobs Act (TCJA) and the protection of Social Security. He highlighted the record-high VA budget of $488 billion projected for 2027 and the construction of over 450 miles of border wall as key successes. Senator Brown countered these points by arguing that the Republican party has historically sought to cut Social Security and that the current administration's focus on defense spending comes at the expense of essential social services like childcare. Urban Governance and the "Beautification" of D.C. A significant portion of the debate focused on the "Beautification Movement" in Washington, D.C. Liberty Jones questioned the ethics of spending 400 million on ball room renovations and 10 billion on D.C. aesthetics while cutting 120,000 households for elderly housing and 33,000 for people with disabilities. Noah defended these expenditures as necessary for the dignity of the nation's capital, while the Senator characterized private donations for these projects as "bribes" and criticized the incompetence of newly appointed judicial figures like Jeanine Pirro. Social Theory and Academic Influence The participants clashed over the role of Critical Race Theory (CRT) in academia. Noah characterized CRT as a "dangerous concept" that suggests racism is permanent within white society. In response, Liberty Jones, a sociology minor, argued that CRT is a structural analysis of systemic disparities, such as housing, rather than an attack on individuals. The Senator added that understanding the "prologue" of American history—including its darker chapters—is essential for future progress. Faith, Values, and the MAGA Slogan The dialogue concluded with a philosophical exploration of "Make America Great Again" and Christian values. The hosts argued that the MAGA slogan ignores historical periods of racial and gender-based oppression. Senator Brown challenged Noah to find "Christianity" in policies of retribution and military aggression, citing biblical passages on love and neighborliness. Noah maintained that Trump is a "builder" who is valiantly defending the country's foundations. The interview underscores a profound disconnect between the "facts" as perceived by different political factions. While Noah Witherspoon represents a highly articulate and researched new generation of conservatives, Senator Brown and Liberty Jones emphasize historical context and institutional integrity. The debate remains unresolved, reflecting the broader national struggle to define the "true" American identity and the proper interpretation of its founding documents..

In this episode we answer emails from Ronald, George, Jeff.  We celebrate episode 500 by sharing a few “Easter egg” resources, then jump into listener questions that cut through common investing myths. We discuss a portfolio for a non-profit, rant about TIPS with a Wall Street Journal article to back us up, and talk about various choices in withdrawal methods. And THEN we our go through our weekly portfolio reviews of the eight sample portfolios you can find at Portfolios | Risk Parity Radio.Links:Fairfax CASA Donation Page:  Donate - Fairfax CASARant Anthology Slides:  Risk Parity Radio Rants Anthology.pdf - Google DriveFour Quadrant Video:  The Four Quadrant Model and the True Meaning of Diversification.mp4 - Google DriveWSJ Article on TIPS:  TIPS_ Inflation-Protected Bonds Dont Help You When Inflation Is High - WSJ Copy.pdf - Google DriveBernstein TIPS Article:  Riskless at Age 104 - Articles - Advisor Perspectives ("A bond fund manager recently related to me his difficulty in figuring out the role of TIPS in his portfolios. After fumbling for a reply, I realized that he was right: like Social Security, they don't occupy a formal slot in most folks' asset allocation. . . . TIPS should be kept mentally separate from the policy asset allocation as well.")Morningstar Article:  Morningstar State_of_Retirement_Income_2025.pdf - Google DriveEconoMe 2026 Presentation:  F. Vasquez EconoMe 2026 Final Slides.pdf - Google DriveBreathless AI-Bot Summary:Episode 500 lands with a simple promise: fewer stories, more data, and portfolio choices that hold up when markets stop cooperating. We share a couple of nostalgic “Easter egg” extras from our back catalog, then dive into listener mail that hits the heart of modern portfolio construction for both individuals and institutions.First, we tackle a nonprofit investing question about moving from capital preservation to growth using a heavily value tilted stock mix. We break down what that allocation is really buying (small cap value, mid cap value, and a value lean in large caps), why it can shine over very long horizons, and why the same strategy can still test patience for a decade or more. If you've ever wondered how to balance expected return against real world tracking error, this section is for you.Then we hit the big rant: Treasury Inflation Protected Securities (TIPS) are not the inflation shield they're marketed to be. We walk through the Wall Street Journal's findings, the 2022 case study, and the bigger point that TIPS are still bonds with rate risk. We also talk about what has tended to help more in inflationary regimes, including commodities, value oriented equities, and managed futures, plus when a TIPS ladder might be a reasonable side tool.We wrap with a practical retirement planning question on withdrawal mechanics, why CPI based “inflation adjusted” spending is often misunderstood, and the other levers that matter as much as asset allocation.Support the show

Understanding People by understanding yourself; Bias; "The Word"; Right Reason; Logical; Prophets - having insight; Lesson of bondage; Adam's fleeing the garden; Depending upon community; Midian communities; Day of worship?; Sunday? Daily ministration; Day of rest; Sabbath; Faith, hope and charity; Problems in Iran; Constantine's army; Legalizing Christianity; Puppet Jimmy Carter; East Timor?; Urim and Thummim; Parthia?; Charity; Maji?; Seducing mankind; The knowledge you need; State religion?; Benefit addiction; Many kinds of king; The seed of Abraham; Faith; What happened to Iran?; Social Security?; Anti-Christ; Doomed Americans; Fake Christians; Are you being manipulated?; Islam's inroads into Iran; Protests; Caliphate; Spreading Islam; God is not in the Koran; Mystery Babylon; United States a free country?; Opposition to war; Tree of Life; God's advice; Insane judges?; Urim: Light in your heart; Your divine door to revelation; Minister's responsibility; Redistribution of wealth; Man-made gospels; Commandments?; Personal sacrifice; Monotheism; Social welfare; Deportation; Living according to Moses and Christ; Perfect law of liberty; Judging presidents; Dominating others; Taking care of your parents; Administrative courts; Coming to the aid of others; Thinking differently; Why go to Church?; Q from Katwellair: Brutality of Islam? - Why does God allow abuse? - Nothing dies? - Killing children?; Fire that consumes; Dress and keep instructions; John 3:16?; The real decision; Spiritual choices - not intellectual; The spirit of Christ; Laying down your life for others; Prayers to God; Are you teachable?; Men loving darkness; Wicked, evil; The number; Exercising authority - contrary to Christ; Not wanting to see the light; God's answer for you; Pain and suffering?; Comforter = Holy Spirit; Building up spiritual body; Hating deeds of Nicolaitans; Living sacrificial lives; Tasks from God; Still small voice; We allow evil by sitting in darkness; Our connection with God can bring light; Evil wants isolation; John 3:16 - continue reading; Puppets?; Corruption by power; Celibacy?; Simplicity of the gospel; Repentance; Let the light in.

he headlines say you have "no choice," but what is the actual law? In this episode of Chaos Culture Radio, we dive into the recent legislative move to automate Selective Service registration for all male U.S. citizens and residents aged 18 to 25.We're cutting through the panic to explain why this isn't a "draft" call-up, but rather a massive shift in how the federal government handles military readiness data.In this episode, we discuss:The "Automatic" Shift: How the new system pulls from existing federal databases (like the DMV and Social Security) to register men without them filling out a postcard.The "Why" Now: Analyzing the 2026 update designed to save millions in administrative costs and eliminate the "felony" risk for men who simply forget to register.Draft vs. Registration: Explaining the crucial difference between being registered and being conscripted—and why a draft hasn't been active since 1973.The Consequences: What happens to federal student loans, government jobs, and citizenship applications if you aren't in the system?Privacy Concerns: The debate over "big data" and the government's ability to automatically enroll citizens in military databases.The Political Context: How this move fits into the broader 2026 defense strategy and the "Peace Through Strength" narrative.Key Fact: Registration is a legal requirement that has existed for over 40 years. The only thing that has changed is the method—moving from a manual form to an automated data pull.Become a supporter of this podcast: https://www.spreaker.com/podcast/chaos-culture-radio--3078307/support.Follow Chaos Culture Radio for real conversations that move culture forward.New episodes every week.Share this episode with someone who needs to hear it.

Imagine retiring with $750,000 and watching it drop by 30% in year one. A market drop like that can have a real impact on your retirement income.In this episode, we break down the bucket strategy, a way to divide your money into three buckets designed to help protect your income during market downturns. We also cover how to evaluate the risk you're currently taking and how it may need to change in retirement, plus why your tax strategy and Social Security decisions play a key role in making your money last.If you're 55 or older and concerned about what a market drop could do to your retirement income, this episode is for you.--Ready to take the next step? Schedule a RetireReady Call at https://bit.ly/3PKQseH

Hans and Robby are back again this week with a brand new episode! This week, they discuss your husband/wife dies: What will your social security check look like? Don't forget to get your copy of "The Complete Cardinal Guide to Planning for and Living in Retirement" on Amazon or on CardinalGuide.com for free! You can contact Hans and Cardinal by emailing hans@cardinalguide.com or calling 919-535-8261. Learn more at CardinalGuide.com. Find us on YouTube: Cardinal Advisors.

This week's theme on the Retirement Quick Tips podcast is The Hidden Tax Traps in Retirement Today, I'm talking about the trap of social security taxes in retirement.  

Gene and Alyssa answered questions and explored important topics: He asks what's the best approach to liquidating EE and I Bonds? He asks how to know when it makes sense to refinance a 6.75% mortgage? She asks how to handle cash gifts to her daughter so she doesn't make big mistakes? She asks if her husband's vacation pay can be invested in an IRA? Free Second Opinion Meetings Meet with a More than Money advisor to review your entire financial picture or simply project your retirement Meet with our Social Security partner to plan the best S/S strategy for you Meet with our estate planning attorney partner to review your estate plans – if you have any Meet with our insurance partner to review your life or long term care coverages Discover how to have your 401(k) professionally managed without leaving your company plan Schedule a free second opinion meeting with a More than Money advisor? Call today (610-746-7007) or email (Gene@AskMtM.com) to schedule your time with us.

This Friday Q&A episode of Talking Real Money features a surge in listener questions, covering key retirement and investing topics including IRA inheritance strategies, borrowing in retirement, how to find fiduciary advisors, the powerful tax advantages of HSAs, pension timing decisions, and whether Robinhood's 2% IRA transfer bonus is worth the trade-offs. Don emphasizes simplicity and tax efficiency—favoring IRA rollovers over inherited structures for spouses, cautioning that borrowing becomes harder in retirement, praising HSAs as one of the best tax-advantaged tools available, encouraging aggressive Roth saving to bridge early retirement gaps, and warning that “free money” incentives like Robinhood's may come with hidden costs, particularly through payment-for-order-flow execution.0:05 Shift to podcast-only boosts listener call volume2:26 Spousal IRA decision: inherited vs rollover strategy5:59 Why rollover IRAs usually win for older surviving spouses6:26 Borrowing in retirement: income limits and lender challenges8:03 Alternative borrowing strategies and why cash often wins9:07 How to find fiduciary advisors on the website10:16 HSA explained: triple tax advantage and retirement use12:41 Pension planning and early retirement trade-offs14:08 Why delaying pension and Social Security pays off15:35 Roth IRA as a bridge strategy for early retirement18:33 Robinhood 2% IRA transfer: risks vs reward19:49 Payment-for-order-flow and why execution quality matters21:54 Final thoughts: simplicity, discipline, and avoiding gimmicksQuestions? Comments? Click!

Most people file their taxes and move on. But if that's all you're doing, you're leaving serious money on the table — and walking into retirement blind. In this episode of Safer Retirement Radio, Brad Geddes, CFP(R) of Decker Retirement Planning breaks down why your tax return is one of the most powerful forward-looking planning tools you have — and how to actually use it. Here's what we cover: The difference between effective tax rate and marginal tax rate — and why most people don't know their real number (hint: if you can't answer it quickly, you're flying blind in retirement). The IRA tax time bomb — why deferring, deferring, deferring into your 70s could force you into a higher tax bracket right when you can least afford it. Roth conversion strategy — who should be doing them, when to start, and why waiting too long is one of the most common (and costly) mistakes we see. Social Security taxation — yes, up to 85% of your benefit can be taxed. The thresholds haven't changed since 1983 and 1993. We'll show you how to plan around them. IRMAA surcharges — the Medicare premium trap that blindsides retirees who had a high-income year two years prior. Tax planning vs. tax preparation — your CPA is a tax historian. What you need going into retirement is a tax strategist. The bottom line: retirement is the first time in your life you actually get to decide what tax bracket you live in. The question is — are you taking advantage of it? If your tax return didn't lead to a conversation about the taxes you'll pay in the future, you're doing it wrong. Call 833-707-3030 for a no-cost, no-obligation conversation with the Decker Retirement Planning team. Download Brian's book, The Decker Approach, and other free retirement resources at DeckerRetirementPlanning.com under Safer Retirement Education. Investment advisory and insurance services offered through Decker Retirement Planning Inc., a registered investment advisor. Investing involves risk, including the potential loss of principal.

Jack Peregrim is the founder and President of Fourth Quarter Advisors and he has a long career in business and strategy including his 30 years as the founder and owner of PARAGON Development which focused on providing strategic management services to many Fortune 50 global corporations.On his ‘retirement' he personally recognized the complexity in Social Security options as well as Medicare. And, there is very little support and education available other than that offered by individuals and organization driven by revenue received for selling products and services.Jack and others are trained and committed with Certified Financial Fiduciary® designations. And, we are volunteer presenters for workshops sponsored by a number of non-profits which are non-profit 501(C)3 organizations and support programs in a wide range of retirement issues.Jack is a Certified Financial Fiduciary ™ in addition to his involvement in numerous professional and personal organizations.Learn More: https://www.fourthquarteradvisors.com/Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-jack-peregrim-founder-of-fourth-quarter-advisors-discussing-3-retirement-strategies-nobody-talks-about

Jack Peregrim is the founder and President of Fourth Quarter Advisors and he has a long career in business and strategy including his 30 years as the founder and owner of PARAGON Development which focused on providing strategic management services to many Fortune 50 global corporations.On his ‘retirement' he personally recognized the complexity in Social Security options as well as Medicare. And, there is very little support and education available other than that offered by individuals and organization driven by revenue received for selling products and services.Jack and others are trained and committed with Certified Financial Fiduciary® designations. And, we are volunteer presenters for workshops sponsored by a number of non-profits which are non-profit 501(C)3 organizations and support programs in a wide range of retirement issues.Jack is a Certified Financial Fiduciary ™ in addition to his involvement in numerous professional and personal organizations.Learn More: https://www.fourthquarteradvisors.com/Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-jack-peregrim-founder-of-fourth-quarter-advisors-discussing-3-retirement-strategies-nobody-talks-about

A new proposal out of Washington is adding a fresh angle to the Social Security solvency debate. Today, we're breaking down what's proposed, if it might cost you money in the future, and what questions it raises for anyone planning around Social Security right now.   Show Links & Info: SPC Investing: http://spcinvesting.com/   Schedule A Visit: https://talkstomike.com/

On this week's episode of Educational Insights, Robert Moody breaks down one of the most important retirement decisions individuals face, which is when to begin claiming Social Security benefits. He walks through the key claiming ages, trade-offs between early and delayed benefits, and strategic considerations like spousal and survivor options that can significantly impact long-term outcomes. As retirement planning becomes more personalized, this perspective provides valuable insight into how individuals can make more informed, confident decisions about their financial future. Watch to learn more. Robert Moody, CFP®, CEPA® Senior Vice President Wealth Consultant Email Robert Moody here Fi Plan Partners is an independent investment firm in Birmingham, AL, with a team of professionals serving clients across the nation through financial planning, wealth management and business consulting. The team at Fi Plan Partners creates strategies in the best interest of their clients using fee based investing. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly. Economic forecasts set forth in this presentation may not develop as predicted. No strategy can ensure success or protect against a loss. Stock investing involves risk including potential loss of principal. Securities and advisory services offered through LPL Financial, Member FINRA/SIPC and a registered investment advisor.The post When to Start Social Security Benefits first appeared on Fi Plan Partners.

In this episode of the Retirement Answer Man, Roger Whitney explores the critical decision of when to claim Social Security benefits, weighing the pros and cons of taking them early versus delaying. Through listener questions, he delves into the impact of investment returns, health considerations, and income needs on retirement strategies. Roger also shares inspiring retirement stories and offers practical advice on managing retirement accounts and planning for the future. With insights into the psychological and financial aspects of retirement, this episode equips listeners with the knowledge to make informed decisions about their financial well-being.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) Introduction: Navigating retirement decisions with confidenceROCKIN' RETIREMENT IN THE WILD(00:42) Highlighting stories of unique retirement adventures(01:08) The non-financial benefits of enjoying freedom day-by-day(04:25) Cultural pressure to plan and set goals in retirement(06:19) Retirement dreams: taking the world's longest flightPRACTICAL PLANNING SEGMENT(07:32) Addressing the dilemma: take Social Security early and invest it?(09:22) Key facts impacting Social Security claiming strategy(12:23) Investment return scenarios (14:17) Benefits of not taking SS early: market risk, guaranteed income, simplicity(19:00) Managing uncertainty and balancing investment returns(21:23) Strategies for inherited Roth IRAs and mega backdoor Roth approaches(24:40) Inheritance, aspirational goals, and resilient plans(32:03) How to avoid fees moving 401kSMART SPRINT(36:00) Smart Sprint: Download your most recent Social Security statement ON THE BOOKSHELF(37:19) Book recommendations from the teamREFERENCESSocial Security Statement – Create or access your account to view benefitsUnforgettable: The Art and Science of Creating Memorable Experiences by Phil MarshonHow the Word is Passed by Clint SmithSubmit a Question for RogerSign up for The NoodleNote: The opinions expressed are for informational purposes only and should not replace personalized advice from licensed professionals.

On episode 217 of Ask The Compound, Guest Host Bill Sweet and Duncan Hill are joined by Ritholtz Wealth Director of Tax Services Bill Artzerounian, Ritholtz Wealth Investment Analyst Sean Russo and Data Research Associate and founder of Exhibit A Matt Cerminaro to discuss Trump accounts vs 529 plans, government bonds, social security, moving to NYC in 2026, AI and taxes and more. Submit your Ask The Compound questions to ⁠⁠⁠askthecompoundshow@gmail.com! This episode is sponsored by Betterment Advisor Solutions. Learn more at http://Betterment.com/advisors Subscribe to The Compound Newsletter for all the latest Compound content, live event announcements, find out who the next TCAF guest is, get updates on the latest merch drops, and more! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.thecompoundnews.com/subscribe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Every year, the IRS updates important tax numbers, that most business owners miss. This leads to missed deductions, poorly timed income decisions, and unnecessary overpayments to the IRS.In this episode, we break down the most important 2026 tax updates business owners need to know, including changes to tax brackets, standard deductions, Social Security wage caps, retirement limits, HSA contributions, mileage rates, capital gains thresholds, and Section 179 expensing. 

Paul Merriman sits down with Mark Zoril, founder of PlanVision, in the first episode of a new series spotlighting affordable financial planning options for do-it-yourself investors.Mark built PlanVision in 2012 around a simple premise: investing isn't as complicated as the financial services industry makes it seem, and technology makes it possible to deliver thoughtful, unbiased financial advice at a price almost anyone can afford.In this episode you'll learn:What you get for $489 in the first year — including access to the eMoney financial planning platform and one-on-one advisor sessionsHow the $8/month ongoing subscription works, and when it makes sense to stay on vs. cancelWhy PlanVision has no commissions, no affiliate links, no insurance sales, and no conflicts of interestHow the firm handles complex situations: Roth conversions, Social Security timing, 529s, pension vs. lump sum, and tax planning (with a CPA on staff)What PlanVision will and won't do — no estate planning, no market timing, no gold hedging strategiesHow they serve expats in over 180 countriesWhat happens when a client passes away and a surviving spouse needs guidanceMark's own investing philosophy — and why he puts his own money in a Vanguard target date fundHow PlanVision works with clients who follow Paul Merriman's, Rick Ferri's, Larry Swedroe's, or any other multi-equity asset class  indexing philosophyLinks mentioned:PlanVision websitePlanVision testimonialsRob Berger interview with Mark Zoril (expat investing, 60+ min)Stan the Annuity ManBogleheads PlanVision commentsWatch the full video on YouTube

“Everyone also to whom God has given wealth and possessions and the power to enjoy them…this is the gift of God.” — Ecclesiastes 5:19 What if true joy doesn't come from gaining more—but from gratefully receiving what God has already provided? That's the invitation we find in Ecclesiastes, and it's the focus of a powerful conversation with John Cortines, Director of Partnerships and Growth at the McClellan Foundation and author of FaithFi's study on the book of Ecclesiastes called, Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money. His insight centers on what he calls the cycle of grateful living—a biblical framework that reshapes how we view money, work, and contentment. Rediscovering Joy in God's Gifts Ecclesiastes 5:18–20 sits at the heart of Scripture's teaching on money and meaning. These verses remind us of something we often overlook: Not only are wealth and possessions gifts from God, but so is the ability to enjoy them. That means joy isn't something we manufacture through achievement or accumulation. It's something we receive. Whether we have little or much, Scripture calls us to find satisfaction in the life God has already given us—our work, our relationships, and even our daily routines. Yet many of us miss this. We're quick to recognize the dangers of money, but slow to embrace the goodness of God's provision. The “E.A.T.” Cycle for Grateful Living John Cortines summarizes this biblical vision with a simple acronym: E.A.T. 1. Enjoy God's Provision Everything we have—our resources, our health, our relationships—is a gift. Even the capacity to enjoy these things is given by God. Gratitude begins when we recognize that nothing we have is ultimately self-made. It all flows from His hand. 2. Accept Life's Brevity Ecclesiastes repeatedly reminds us that life is short. This isn't meant to discourage us—but to awaken us. When we accept the limits of our time and season, we begin to live with greater purpose. We stop postponing joy and start embracing the present as a gift. 3. Toil with Joy Work is not something to escape—it's something to embrace. While our culture often dreams of financial independence as freedom from work, Scripture presents a different vision. We were created with purpose, and meaningful work is part of that design. Even in retirement, we're called to engage in what is good, fruitful, and God-honoring. What Gets in the Way of Joy? If this cycle is so clear, why do so few people experience it? Cortines points out three common obstacles: Taking God's provision for granted instead of cultivating gratitude Ignoring life's brevity, living as if time is unlimited Resenting our work, constantly longing for escape These patterns lead to anxiety, discontentment, and a constant pursuit of “more.” Ironically, many people today live with more wealth and comfort than any generation in history—yet struggle deeply with dissatisfaction. As Cortines notes, even great wealth cannot produce lasting joy on its own. A Better Vision Than “Someday” One of the most subtle traps in our culture is the belief that joy lies somewhere in the future: When I earn more… When I retire… When life slows down… But Scripture calls us to something radically different. Joy is not found in a future we're trying to build—it's found in the present moment with Christ. This echoes Jesus' teaching in Luke 12, where He points to the birds and the flowers. They do not worry, yet God provides for them. Their lives are both sustained and limited—and so are ours.  This is both comforting and sobering: God will provide for us. Our time here is brief. So instead of striving endlessly, we're invited to live faithfully and gratefully today. What Does a Grateful Life Look Like? Ecclesiastes 5:20 gives us a beautiful picture: “God keeps him occupied with joy in his heart.” This kind of life is marked by: Presence instead of distraction Peace instead of anxiety Contentment instead of comparison It's a life where gratitude crowds out worry—where the heart is so full of God's goodness that it no longer fixates on what's missing. Living Within Our Limits—and God's Greatness One of the most profound insights from Ecclesiastes is this: we are small, and that's okay. In a world that tells us to dream bigger and achieve more, Scripture gently reminds us that our lives are finite—but God is not. And that's where true freedom is found. We don't need to be everything or accomplish everything. Christ has already accomplished what matters most. Our role is simply to be faithful in the life we've been given. Finding Joy in What God Has Already Given The cycle of grateful living is simple—but deeply transformative: Enjoy what God has given Accept the limits of your life Rejoice in the work before you When we live this way, we step out of the endless pursuit of “more” and into the quiet, steady joy of God's presence. And in that place, we discover something surprising: We already have enough—because we already have Him. On Today's Program, Rob Answers Listener Questions: I'm 78 and want to avoid long-term care. I can invest $3,000 a month—what's a safe way to do that? I'm using Social Security and savings to support ministry requests, but it's depleting quickly. How can I steward this wisely and manage where to keep and give my money? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) God and Money: How We Discovered True Riches at Harvard Business School by John Cortines and Gregory Baumer True Riches: What Jesus Really Said About Money and Your Heart by John Cortines and Gregory Baumer Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Jack Peregrim is the founder and President of Fourth Quarter Advisors and he has a long career in business and strategy including his 30 years as the founder and owner of PARAGON Development which focused on providing strategic management services to many Fortune 50 global corporations.On his ‘retirement' he personally recognized the complexity in Social Security options as well as Medicare. And, there is very little support and education available other than that offered by individuals and organization driven by revenue received for selling products and services.Jack and others are trained and committed with Certified Financial Fiduciary® designations. And, we are volunteer presenters for workshops sponsored by a number of non-profits which are non-profit 501(C)3 organizations and support programs in a wide range of retirement issues.Jack is a Certified Financial Fiduciary ™ in addition to his involvement in numerous professional and personal organizations.Learn More: https://www.fourthquarteradvisors.com/Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-jack-peregrim-founder-of-fourth-quarter-advisors-discussing-annuities-reimagined

Building retirement savings is only half the equation — turning those savings into reliable income is where the real planning begins.In this episode, Miguel Gonzalez explains how to create a sustainable retirement income strategy by coordinating multiple income sources, timing Social Security, managing withdrawals, and considering taxes. Learn how to turn your savings into consistent monthly cash flow with greater clarity and confidence.Miguel Gonzalez is a Certified Retirement Counselor (CRC) with over 25 years of experience helping individuals and families design retirement income strategies and long-term financial plans. He is the Managing Partner of Cortburg Retirement Advisors, a boutique firm focused on retirement planning, investment management, and financial clarity.#MiguelXGonzalez #FinancialWellness #CashFlowPlanningWelcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORSFacebook-> https://m.facebook.com/CortburgIncTwitter-> https://twitter.com/CortburgIncLinkedIn->https://www.linkedin.com/in/miguelxgonzalez/Website: www.CortburgRetirement.comEmail:     Miguel@CortburgRetirement.com

Jack Peregrim is the founder and President of Fourth Quarter Advisors and he has a long career in business and strategy including his 30 years as the founder and owner of PARAGON Development which focused on providing strategic management services to many Fortune 50 global corporations.On his ‘retirement' he personally recognized the complexity in Social Security options as well as Medicare. And, there is very little support and education available other than that offered by individuals and organization driven by revenue received for selling products and services.Jack and others are trained and committed with Certified Financial Fiduciary® designations. And, we are volunteer presenters for workshops sponsored by a number of non-profits which are non-profit 501(C)3 organizations and support programs in a wide range of retirement issues.Jack is a Certified Financial Fiduciary ™ in addition to his involvement in numerous professional and personal organizations.Learn More: https://www.fourthquarteradvisors.com/Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-jack-peregrim-founder-of-fourth-quarter-advisors-discussing-annuities-reimagined

Chris Orestis, founder & president of Retirement Genius, explains how to make more informed Social Security decisions.  Social Security is one of the most important decisions in retirement. And yet, many people approach it the same way they approach a casual conversation—based on opinions, assumptions, and what someone else did. As Chris Orestis put it, people are often making decisions based on “the myths of Social Security, not the math.” That's where things start to go wrong. Because Social Security isn't just another income source. For many retirees, it becomes a foundational piece of their financial security. In fact, Chris pointed out that for a large percentage of retirees, Social Security can represent more than half of their income. When a decision carries that much weight, guessing isn't a strategy. Why Social Security Feels So Confusing Part of the challenge is complexity. Many people aren't clear on the differences between Social Security, Medicare, and Medicaid. Others assume that because they've “paid into the system,” everything will work itself out when they need it. That assumption can be costly. Chris highlighted a broader issue: people often spend more time researching a car purchase than they do understanding the benefits that may fund decades of their retirement. That gap in understanding creates a ripple effect of poor decisions. The Decision That Locks Everything In Unlike many financial decisions, Social Security isn't easily reversible. Once you claim, you are largely locked into that decision. There is a limited “do-over” window early on, but beyond that, your choice determines your monthly benefit for life. That makes timing critical. You can claim as early as 62, but that locks in a lower lifetime benefit. Waiting until full retirement age—or even age 70—can significantly increase your monthly income. So how do you decide? It Starts with Life Expectancy Both Chris and Jeremy emphasized that the most important factor in deciding when to claim Social Security is life expectancy. You're essentially making a bet: Claim early → you're betting you won't live as long Delay benefits → you're betting you will But here's where many people go wrong. They guess. Chris pointed out that people tend to underestimate how long they'll live and overestimate how long their money will last. That combination can lead to decisions that reduce long-term income at exactly the time it's needed most. Instead of guessing, there are tools available—like longevity calculators—that can give you a more realistic estimate based on your situation. Know Your Numbers Before You Decide The second major mistake is not knowing your actual Social Security benefit. Your benefit is based on your earnings history. And the estimates provided assume you continue working until full retirement age. If you plan to retire earlier, those estimates may be overstated. That's why it's essential to go directly to SSA.gov, review your earnings history, and run projections based on your actual plan. Without that step, you're making decisions without accurate data. Coordination Changes Everything The third—and often overlooked—piece is coordination. Social Security doesn't exist in isolation. It interacts with: Other income (which can affect taxation) Earned income (which can reduce benefits before full retirement age) Medicare premiums (which are deducted directly from your benefit) For example, many people hear that “85% of Social Security is taxed” and assume that means an 85% tax rate. In reality, it means up to 85% of the benefit may be taxable, depending on your overall income. That distinction matters. Because the real outcome depends on how Social Security fits into your broader income plan. The Real Goal: Stop Guessing If there's one takeaway from this conversation, it's this: You don't have to guess. There are tools, data, and professionals available to help you make an informed decision. As Chris said, if you go into this blindly when those resources exist, “that's your bad.” In the Retire Today framework, Social Security falls under the MAKE step—creating reliable income. But how you claim it affects everything else: What you SPEND How much you KEEP after taxes How you INVEST your remaining assets What you ultimately LEAVE behind Social Security isn't just a checkbox. It's a decision that shapes your entire retirement. And it's one worth getting right. 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 Chris Orestis on LinkedIn RetirementGenius.com  Chris Orestis Website “The Retirement Genius” podcast with Chris Orestis www.longevityillustrator.org  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

Jack Peregrim is the founder and President of Fourth Quarter Advisors and he has a long career in business and strategy including his 30 years as the founder and owner of PARAGON Development which focused on providing strategic management services to many Fortune 50 global corporations.On his ‘retirement' he personally recognized the complexity in Social Security options as well as Medicare. And, there is very little support and education available other than that offered by individuals and organization driven by revenue received for selling products and services.Jack and others are trained and committed with Certified Financial Fiduciary® designations. And, we are volunteer presenters for workshops sponsored by a number of non-profits which are non-profit 501(C)3 organizations and support programs in a wide range of retirement issues.Jack is a Certified Financial Fiduciary ™ in addition to his involvement in numerous professional and personal organizations.Learn More: https://www.fourthquarteradvisors.com/Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-jack-peregrim-founder-of-fourth-quarter-advisors-discussing-social-security-as-an-investment

Jack Peregrim is the founder and President of Fourth Quarter Advisors and he has a long career in business and strategy including his 30 years as the founder and owner of PARAGON Development which focused on providing strategic management services to many Fortune 50 global corporations.On his ‘retirement' he personally recognized the complexity in Social Security options as well as Medicare. And, there is very little support and education available other than that offered by individuals and organization driven by revenue received for selling products and services.Jack and others are trained and committed with Certified Financial Fiduciary® designations. And, we are volunteer presenters for workshops sponsored by a number of non-profits which are non-profit 501(C)3 organizations and support programs in a wide range of retirement issues.Jack is a Certified Financial Fiduciary ™ in addition to his involvement in numerous professional and personal organizations.Learn More: https://www.fourthquarteradvisors.com/Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-jack-peregrim-founder-of-fourth-quarter-advisors-discussing-the-retirement-triangle

In this episode of The Matt Feret Show, Matt Feret sits down with ESOP consultant Matt Middendorp to explore how employee ownership is reshaping the way people think about work, wealth, and career fulfillment—especially in midlife. Moving beyond traditional conversations about retirement or business exits, the discussion examines Employee Stock Ownership Plans (ESOPs) as an alternative model that aligns employee success with company performance. Middendorp shares real-world insights into how employee-owned companies foster stronger cultures, higher retention, and long-term financial security while offering business owners a legacy-driven transition strategy outside of private equity or layoffs. Together, they unpack why so many professionals have never heard of ESOPs, what employee ownership teaches us about purpose and identity at work, and how individuals at any career stage can rethink success, stability, and the value they help create.The 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.

Jack Peregrim is the founder and President of Fourth Quarter Advisors and he has a long career in business and strategy including his 30 years as the founder and owner of PARAGON Development which focused on providing strategic management services to many Fortune 50 global corporations.On his ‘retirement' he personally recognized the complexity in Social Security options as well as Medicare. And, there is very little support and education available other than that offered by individuals and organization driven by revenue received for selling products and services.Jack and others are trained and committed with Certified Financial Fiduciary® designations. And, we are volunteer presenters for workshops sponsored by a number of non-profits which are non-profit 501(C)3 organizations and support programs in a wide range of retirement issues.Jack is a Certified Financial Fiduciary ™ in addition to his involvement in numerous professional and personal organizations.Learn More: https://www.fourthquarteradvisors.com/Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-jack-peregrim-founder-of-fourth-quarter-advisors-discussing-the-retirement-triangle

Jack Peregrim is the founder and President of Fourth Quarter Advisors and he has a long career in business and strategy including his 30 years as the founder and owner of PARAGON Development which focused on providing strategic management services to many Fortune 50 global corporations.On his ‘retirement' he personally recognized the complexity in Social Security options as well as Medicare. And, there is very little support and education available other than that offered by individuals and organization driven by revenue received for selling products and services.Jack and others are trained and committed with Certified Financial Fiduciary® designations. And, we are volunteer presenters for workshops sponsored by a number of non-profits which are non-profit 501(C)3 organizations and support programs in a wide range of retirement issues.Jack is a Certified Financial Fiduciary ™ in addition to his involvement in numerous professional and personal organizations.Learn More: https://www.fourthquarteradvisors.com/Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-jack-peregrim-founder-of-fourth-quarter-advisors-discussing-social-security-as-an-investment

3. Dr. Francis Townsend and Father Charles Coughlin emerged as major external pressures on Roosevelt's policy-making during the 1930s. Townsend's popular $200-a-month pension plan for seniors effectively forced FDR to introduce Social Security to neutralize the movement's growing political momentum. Meanwhile, Coughlin, a powerful "radio priest," transitioned from a Roosevelt supporter to a fierce critic after a failed reconciliation meeting at Hyde Park. Coughlin eventually teamed up with Townsend and Gerald L.K. Smith to form a third party, though these "amateur" politicians struggled to gain significant ballot access. (4)1936 SRRESTING PROTESTERS DC

7. The 1936 campaign highlighted the disparity between Roosevelt's mastery of modern technology and Alf Landon's uninspired style. While Landon's poll numbers initially showed strength, his momentum faded as he critiqued popular programs like Social Security. Eleanor Roosevelt emerged as a critical campaign asset, bridging the gap with the African-American community and attracting massive, enthusiastic crowds. FDR culminated his campaign with a fiery speech at Madison Square Garden, famously declaring that he welcomed the hatred of "economic royalists". This aggressive strategy resonated deeply with an electorate still reeling from the depression. (8)1936 WPA SOUP KITCHEN

This week on Practically Pastoring, the guys dive into a conversation a lot of pastors know they need to have, but would rather keep punting down the road: retirement. Sparked by a question from a pastor in his early 40s who is realizing he may be late to the conversation, the episode tackles what it looks like to start getting serious about retirement planning, especially if no one ever helped you think about it in the first place. The conversation covers denominational pensions, 403(b)s, Social Security, Medicare eligibility, life insurance, debt payoff, and why simply figuring out where you stand right now is a huge first step. The guys share their own situations honestly, from denominational safety nets to trying to build a plan after leaving one, and from paying off a house to making sure a family is protected if the unexpected happens. A big part of the episode focuses on the practical reality that many pastors who opted out of Social Security may still need to understand their Medicare eligibility and their quarter history. It is one of those classic ministry moments where nobody told you this stuff when you were 22, and now you are trying to piece it together without panicking. The good news is simple: you may not be as far behind as you think, but you do need to start looking now. In the second half of the episode, the guys shift into a pastoral question about trust, transitions, and what happens when another pastor mishandles a sensitive situation involving a family leaving a church. They talk about grace, communication, exit interviews, member follow-up, and the importance of holding people with open hands instead of treating every departure like a declaration of war. In other words, church life stays complicated, because apparently people did not get the memo to be simple. SponsorThis episode is sponsored by Church Merch. From comfortable shirts and hats to mugs and custom gear, they help churches create merch that people actually want to use and wear. As the guys mention in the episode, good merch is not just about printing a logo on a shirt, it is about creating something people will actually put on, use, and talk about. Check them out at promotionsguy.com/churchmerch. In this episode:Why retirement planning sneaks up on so many pastorsHow denominational pensions and 403(b)s can work togetherWhat pastors should know about Social Security quarters and Medicare eligibilityWhy paying off debt can become part of a long-term planHow life insurance fits into protecting your familyWhat to do when another pastor mishandles a sensitive conversationWhy exit interviews and regular member check-ins can help churches growA few lines worth remembering:“The best time to plant a tree is 20 years ago. The second best time is now.” “You might not be as far behind as you think you are. But the first step is to spend some time figuring out where you are.”

Jack Peregrim is the founder and President of Fourth Quarter Advisors and he has a long career in business and strategy including his 30 years as the founder and owner of PARAGON Development which focused on providing strategic management services to many Fortune 50 global corporations.On his ‘retirement' he personally recognized the complexity in Social Security options as well as Medicare. And, there is very little support and education available other than that offered by individuals and organization driven by revenue received for selling products and services.Jack and others are trained and committed with Certified Financial Fiduciary® designations. And, we are volunteer presenters for workshops sponsored by a number of non-profits which are non-profit 501(C)3 organizations and support programs in a wide range of retirement issues.Jack is a Certified Financial Fiduciary ™ in addition to his involvement in numerous professional and personal organizations.Learn More: https://www.fourthquarteradvisors.com/Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-jack-peregrim-founder-of-fourth-quarter-advisors-discussing-invisible-money

Jack Peregrim is the founder and President of Fourth Quarter Advisors and he has a long career in business and strategy including his 30 years as the founder and owner of PARAGON Development which focused on providing strategic management services to many Fortune 50 global corporations.On his ‘retirement' he personally recognized the complexity in Social Security options as well as Medicare. And, there is very little support and education available other than that offered by individuals and organization driven by revenue received for selling products and services.Jack and others are trained and committed with Certified Financial Fiduciary® designations. And, we are volunteer presenters for workshops sponsored by a number of non-profits which are non-profit 501(C)3 organizations and support programs in a wide range of retirement issues.Jack is a Certified Financial Fiduciary ™ in addition to his involvement in numerous professional and personal organizations.Learn More: https://www.fourthquarteradvisors.com/Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-jack-peregrim-founder-of-fourth-quarter-advisors-discussing-invisible-money

April, 5 2026, 8 AM; Vice President JD Vance is heading to Hungary next week in what appears to be a show of support for prime Minister Viktor Orbán -- just days before the country's election. Hungary's leader of 16 years could be in real trouble, with polling showing that center-right candidate Peter Magyar is currently leading. President Trump has already endorsed Orbán, who has faced condemnation for his authoritarian actions. Anne Applebaum joins The Weekend to discuss what Vice President JD Vance's upcoming trip to Hungary, just days before its key election, has to do with voters back here in the United States. For more, follow us on social media: Bluesky: @theweekendmsnow.bsky.social Instagram: @theweekendmsnow TikTok: @theweekendmsnow To listen to this show and other MS podcasts without ads, sign up for MS NOW Premium on Apple Podcasts. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Questions? Comments? Click HereThis Q&A episode tackles a mix of practical retirement and investing questions, starting with why spousal Social Security benefits rarely change the core advice to delay claiming. Don explains the limits of basic retirement calculators versus more robust planning tools, then reassures a late-starting saver that simple, low-cost investing (like target-date funds) often beats complexity. A listener's story about $242 stock commissions leads into a blunt reality check on day trading (spoiler: still a losing game), while another question explores how and when to share wealth details with adult children. The episode wraps with a clear affirmation of total-market investing—and a striking demo of AI audio cleanup that turns an unusable question into something crystal clear.0:11 Intro to Q&A format and how listeners submit questions1:32 Social Security spousal benefits and why they rarely change the “delay” strategy4:13 What to look for in retirement calculators (and best free options)6:43 Late-start saver with pension: Roth strategy and keeping investing simple10:58 $242 commissions and the fall of high-cost brokerage trading12:00 Day trading reality: why most lose (and why firms loved it)14:57 Sharing wealth details with adult children and choosing a financial “leader”18:00 AI audio enhancement demo—bad recording vs. cleaned version19:06 Total market investing: owning everything vs. chasing winners22:22 Wrap-up and advisor offer

Imagine a government list—managed by Homeland Security and Social Security—that decides if you are "American enough" to cast a ballot. Michael Steele breaks down a disturbing shift in the political landscape: the push to turn citizenship verification into a tool for selective participation.Catch Michael Steele on The Weeknight Mondays - Fridays at 7pm EST on MSNBC: https://www.msnbc.com/weeknightFollow Michael on X: https://x.com/MichaelSteeleFollow Michael on Bluesky: https://bsky.app/profile/michaelsteele.bsky.socialFollow Michael on Instagram: https://www.instagram.com/chairman_steele/Follow Michael on Threads: https://www.threads.net/@chairman_steeleListen to The Michael Steele Podcast: https://podcasts.apple.com/us/podcast/the-michael-steele-podcast/id1412905534Watch The Michael Steele Podcast: https://www.youtube.com/playlist?list=PLJNKzTkCZE9uNqPiKYw5eU5YkS_mMsr6oIf you enjoyed this, share it with a friend!