Podcasts about social security

The US Fiscal Crisis: Spending Cuts Are the Only Way Out GUEST NAME: Adam Michel Adam Michel, director of tax policy at the Cato Institute, discusses the US fiscal crisis stemming from large deficits and overwhelming debt. He recalls the 1980s Ronald Reagan tax cut where promised spending cuts never materialized. The deficit is the annual gap between taxes and spending, accumulating into the national debt. Michel identifies a "deficit hawk coalition" split between deficit hawks (agnostic on revenues/spending) and budget hawks (concerned with government size), advocating for spending cuts to solve the crisis. Entitlement programs like Social Security, Medicare, and Medicaid are the root of fiscal problems. 1903

The US Fiscal Crisis: Spending Cuts Are the Only Way Out GUEST NAME: Adam Michel Adam Michel, director of tax policy at the Cato Institute, discusses the US fiscal crisis stemming from large deficits and overwhelming debt. He recalls the 1980s Ronald Reagan tax cut where promised spending cuts never materialized. The deficit is the annual gap between taxes and spending, accumulating into the national debt. Michel identifies a "deficit hawk coalition" split between deficit hawks (agnostic on revenues/spending) and budget hawks (concerned with government size), advocating for spending cuts to solve the crisis. Entitlement programs like Social Security, Medicare, and Medicaid are the root of fiscal problems. 1936

CBS EYE ON THE WORLD WITH JOHN BATCHELOR 1909 DR THE SHOW BEGINS IN THE DOUBTS ABOUT THE LA FIRE RESTORATION...... 10-10-25 FIRST HOUR 9-915 Palisades Fire Aftermath and In-N-Out Expansion GUEST NAME: Jeff Bliss Jeff Bliss discusses the aftermath of the Palisades fire, noting that Adam Carolla, who lost his home, believes rebuilding is stalled by political forces seeking subsidized housing or natural restoration. An arrest was made in Florida for Jonathan Flendernik in connection with the fire. Video evidence suggests the LA Fire Department failed to fully extinguish the initial fire, which spread through root systems. In business news, the family-owned In-N-Out chain, known for high profits and employee treatment, is expanding with five new stores. The Boring Company's Prufrock tunneling machine is operating in Las Vegas. 915-930 Mixed Economic Signals and High-Tech Development in Lancaster County GUEST NAME: Jim McTague Jim McTague reports on Lancaster County, Pennsylvania, which is introducing high-tech industry by building two data centers on the former RR Donnelley printing plant site. Construction is underway on the L-shaped, two-story building. Anecdotally, the local economy shows mixed signals: two young people were seen signing up for the National Guard, suggesting tight employment, while an entrepreneur boasted of successful property investments. Consumers are cautious, engaging in "inflation shopping." 930-945 The Perpetual Conflict Over Executive Power and the Rise of Lawfare GUEST NAME: Professor Richard Epstein Professor Richard Epstein analyzes the perpetual clash between executive and congressional power, particularly regarding the Congressional Budget and Impoundment Control Act of 1974. He notes the Roberts court generally protects executive power. The dispute over fund impoundment, seen in Department of State et al. versus AIDS Vaccine Advocacy Coalition, reflects deep polarization, hindering compromise. Epstein criticizes the use of lawfare, exemplified by the indictments of Letitia James and James Comey, stating it fails long-term and leads to cycles of violence and discord. 945-1000 The Perpetual Conflict Over Executive Power and the Rise of Lawfare GUEST NAME: Professor Richard Epstein Professor Richard Epstein analyzes the perpetual clash between executive and congressional power, particularly regarding the Congressional Budget and Impoundment Control Act of 1974. He notes the Roberts court generally protects executive power. The dispute over fund impoundment, seen in Department of State et al. versus AIDS Vaccine Advocacy Coalition, reflects deep polarization, hindering compromise. Epstein criticizes the use of lawfare, exemplified by the indictments of Letitia James and James Comey, stating it fails long-term and leads to cycles of violence and discord. SECOND HOUR 10-1015 NPT Enforcement and the Golden Dome Defense Concept GUEST NAME: Henry Sokolski Henry Sokolski, executive director of the Non-proliferation Policy Education Center, debates whether the US should abandon the 1970 Non-Proliferation Treaty (NPT), citing foreign criticism and industry constraints. He argues the US should stay to enforce the NPT by clarifying red lines, justifying the bombing of nuclear facilities. Sokolski also discusses the proposed Golden Dome defense system, intended to protect the Western Hemisphere against missiles and drones. The viability of the system, particularly regarding Low Earth Orbit defenses, remains unclear and requires greater Congressional buy-in. 1015-1030 NPT Enforcement and the Golden Dome Defense Concept GUEST NAME: Henry Sokolski Henry Sokolski, executive director of the Non-proliferation Policy Education Center, debates whether the US should abandon the 1970 Non-Proliferation Treaty (NPT), citing foreign criticism and industry constraints. He argues the US should stay to enforce the NPT by clarifying red lines, justifying the bombing of nuclear facilities. Sokolski also discusses the proposed Golden Dome defense system, intended to protect the Western Hemisphere against missiles and drones. The viability of the system, particularly regarding Low Earth Orbit defenses, remains unclear and requires greater Congressional buy-in. 1030-1045 The US Fiscal Crisis: Spending Cuts Are the Only Way Out GUEST NAME: Adam Michel Adam Michel, director of tax policy at the Cato Institute, discusses the US fiscal crisis stemming from large deficits and overwhelming debt. He recalls the 1980s Ronald Reagan tax cut where promised spending cuts never materialized. The deficit is the annual gap between taxes and spending, accumulating into the national debt. Michel identifies a "deficit hawk coalition" split between deficit hawks (agnostic on revenues/spending) and budget hawks (concerned with government size), advocating for spending cuts to solve the crisis. Entitlement programs like Social Security, Medicare, and Medicaid are the root of fiscal problems. 1045-1100 The US Fiscal Crisis: Spending Cuts Are the Only Way Out GUEST NAME: Adam Michel Adam Michel, director of tax policy at the Cato Institute, discusses the US fiscal crisis stemming from large deficits and overwhelming debt. He recalls the 1980s Ronald Reagan tax cut where promised spending cuts never materialized. The deficit is the annual gap between taxes and spending, accumulating into the national debt. Michel identifies a "deficit hawk coalition" split between deficit hawks (agnostic on revenues/spending) and budget hawks (concerned with government size), advocating for spending cuts to solve the crisis. Entitlement programs like Social Security, Medicare, and Medicaid are the root of fiscal problems. THIRD HOUR 1100-1115 Roman History: The Rivalry Between Cicero and Clodius GUEST NAME: Professor Josiah Osgood Professor Josiah Osgood discusses the end of the Roman Republic. The scandal involving Publius Clodius Pulcher disguising himself as a woman at the women-only Bona Dea ceremony led to his trial. Cicero testified against Clodius, leading to a dangerous rivalry. Acquitted, Clodius won election as tribune, passed a law targeting Cicero for executing citizens without trial, and destroyed his Palatine Hill mansion. Later, Cicero was present during Julius Caesar's assassination, though not involved in planning. 1115-1130 Roman History: The Rivalry Between Cicero and Clodius GUEST NAME: Professor Josiah Osgood Professor Josiah Osgood discusses the end of the Roman Republic. The scandal involving Publius Clodius Pulcher disguising himself as a woman at the women-only Bona Dea ceremony led to his trial. Cicero testified against Clodius, leading to a dangerous rivalry. Acquitted, Clodius won election as tribune, passed a law targeting Cicero for executing citizens without trial, and destroyed his Palatine Hill mansion. Later, Cicero was present during Julius Caesar's assassination, though not involved in planning. 1130-1145 Roman History: The Rivalry Between Cicero and Clodius GUEST NAME: Professor Josiah Osgood Professor Josiah Osgood discusses the end of the Roman Republic. The scandal involving Publius Clodius Pulcher disguising himself as a woman at the women-only Bona Dea ceremony led to his trial. Cicero testified against Clodius, leading to a dangerous rivalry. Acquitted, Clodius won election as tribune, passed a law targeting Cicero for executing citizens without trial, and destroyed his Palatine Hill mansion. Later, Cicero was present during Julius Caesar's assassination, though not involved in planning. 1145-1200 Roman History: The Rivalry Between Cicero and Clodius GUEST NAME: Professor Josiah Osgood Professor Josiah Osgood discusses the end of the Roman Republic. The scandal involving Publius Clodius Pulcher disguising himself as a woman at the women-only Bona Dea ceremony led to his trial. Cicero testified against Clodius, leading to a dangerous rivalry. Acquitted, Clodius won election as tribune, passed a law targeting Cicero for executing citizens without trial, and destroyed his Palatine Hill mansion. Later, Cicero was present during Julius Caesar's assassination, though not involved in planning. FOURTH HOUR 12-1215 Trump's Diplomatic Triumph: Expanding the Middle East Peace Consensus GUEST NAME: Conrad Black Conrad Black discusses the ceasefire deal between Gaza, Hamas, and the Israeli Defense Forces. He praises President Trump for his astute diplomacy in attracting sympathy from Arab states and non-Arab Muslim countries apart from Iran, such as Indonesia and Pakistan. Black considers this the greatest diplomatic success in the Middle East since the establishment of the state of Israel. The consensus, achieved by expanding the negotiating scope, is that established states are preferable to terrorist operations. 1215-1230 Italy's Rising Diplomatic Status Amid Economic Headwinds GUEST NAME: Lorenzo Fiori Lorenzo Fiori details Italy's enhanced diplomatic role, noting that Prime Minister Giorgia Meloni has been invited to the Israel-Gaza peace agreement signing. Italian carabinieri are already training local police near the Rafah border. Meloni has friction with French President Macron over migration policy and Africa. Italy's production index has fallen below mid-2021 levels due to weak internal demand and the highest energy costs in Europe. Mr. Trump restored Columbus Day, and AC Milan owner Cardinale received honorary Italian citizenship. 1230-1245 Space Updates: NASA Administrator, Reusable Rockets, and Satellite Cell Service GUEST NAME: Bob Zimmerman Bob Zimmerman discusses the potential renomination of billionaire Jared Isaacman as NASA administrator, noting Isaacman's previous private manned space missions. He highlights Stoke Space raising nearly $1 billion to develop its fully reusable Nova rocket, potentially cheaper than SpaceX's offerings. AST SpaceMobile signed Verizon (adding to AT&T) to use its "Bluebirds" satellites for direct cell phone service, eliminating dead spots. SpaceX recently flew a Falcon booster for its 29th flight. Congressional cuts zeroed out 15 potential space missions. 1245-100 AM Space Updates: NASA Administrator, Reusable Rockets, and Satellite Cell Service GUEST NAME: Bob Zimmerman Bob Zimmerman discusses the potential renomination of billionaire Jared Isaacman as NASA administrator, noting Isaacman's previous private manned space missions. He highlights Stoke Space raising nearly $1 billion to develop its fully reusable Nova rocket, potentially cheaper than SpaceX's offerings. AST SpaceMobile signed Verizon (adding to AT&T) to use its "Bluebirds" satellites for direct cell phone service, eliminating dead spots. SpaceX recently flew a Falcon booster for its 29th flight. Congressional cuts zeroed out 15 potential space missions.

Markets look strong—but are they too perfect? On this week's Money Matters, Scott and Pat explore how to stress test your financial plan so it can hold up in the real world. They take a call from a 63-year-old retiree with a $6 million portfolio who's rethinking his Roth conversions and Social Security timing, then talk with a 47-year-old state employee balancing burnout, real estate, and early retirement goals. Finally, Allworth's Head of Wealth Planning, Victoria Bogner, joins to explain how taxes, Medicare, and market strategy all connect inside a resilient financial plan. If you've ever wondered whether your financial plan could weather a true market test, this episode delivers clarity, humor, and timeless perspective. Join Money Matters:  Get your most pressing financial questions answered by Allworth's co-founders Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking here.  You can also be on the air by emailing Scott and Pat at questions@moneymatters.com. Download and rate our podcast here.

In this extended Friday Q&A episode, Don answers six listener-submitted questions covering a wide range of personal finance and investing topics. He kicks off with a fiery takedown of cryptocurrency as a viable asset class, arguing it's based on hype and the greater fool theory. Other questions explore whether pensions should count as fixed income in asset allocation, the performance of Dimensional and Avantis funds versus traditional index funds, the pros and cons of Collective Investment Trusts in 401(k)s, and the strategic timing of Social Security. He ends by clarifying a common misconception about RMDs and Secure Act 2.0. Expect smart insights, a little snark, and the kind of blunt honesty that's rare in financial media. 0:04 Listener Q&A returns with an extra dose—six questions this time 1:07 Confusing podcast scheduling clarified (sort of) 2:11 Crypto as an asset class? Don calls it “entirely invented” and dismantles the use case hype 4:32 If civilization collapses, your Bitcoin won't save you 6:06 Crypto = greater fool theory; Don braces for hate mail 7:30 Dimensional/Avantis vs. index funds—do the extra fees pay off? 9:13 A 15-year comparison: Dimensional Global Equity vs. VT 11:43 Should a pension count as fixed income? Don says no—it's a volatility game, not income 15:48 CITs (Collective Investment Trusts) in 401(k)s—cheaper, but less transparent 18:58 Index funds should be your benchmark; Don suspects this one's active 20:02 Claiming Social Security early to preserve Roth? Don says the math rarely supports it 23:59 Secure 2.0 and RMD confusion—born in 1959? You still take RMDs at 73, not 75 26:15 Tech keeps improving—Don urges retirees to stay sharp, stay curious Learn more about your ad choices. Visit megaphone.fm/adchoices

What if the common advice to wait until age 70 for Social Security isn't always the best move? Could claiming earlier actually give you more freedom and peace of mind in retirement?  In this episode, we discuss:  Risks of “blanketed” Social Security advice Determining your expected value vs. expected utility Mortality, sequence of returns, and policy risks Pinpointing your “personalized discount rate” Today's article is from the Kitces.com blog titled, Why Delaying Social Security Benefits Isn't Always The Best Decision. Listen in as Founder and CEO of Howard Bailey Financial, Casey Weade, breaks down the article and provides thoughtful insights and advice on how it applies to your unique financial situation. Show Notes: HowardBailey.com/526

When two faith-based credit unions unite, it's not just about growing bigger—it's about multiplying Kingdom impact. We're talking about something that's a lot more than just a merger— it's about expanding services and supporting ministries worldwide. Aaron Caid joins us today to talk about the exciting merger of Christian Community Credit Union (CCCU) and AdelFi Credit Union.Aaron Caid is the Chief Marketing Officer at Christian Community Credit Union (CCCU), an underwriter of Faith & Finance. A New Season for Christian Community Credit UnionWhen it comes to money, the conversation always goes deeper than numbers. For Christian Community Credit Union (CCCU), finances are a matter of faith, stewardship, and Kingdom impact. That's why the announcement of a merger between CCCU and AdelFi marks such a significant and exciting new chapter.This merger wasn't a quick decision. It was the culmination of nearly two years of prayer, discernment, and thoughtful consideration by both boards. Both organizations share a Christ-centered mission, with AdelFi carrying a 60-year history of faith-aligned banking and a strong commitment to supporting Christian ministries. The merger is designed to create a stronger credit union, expand reach, and multiply Kingdom impact.What Members Can ExpectFor CCCU and AdelFi members, the transition will be seamless. Accounts and services will remain uninterrupted. At the same time, members can look forward to enhanced digital tools, stronger security, expanded member support, and greater lending capacity. That means more opportunities to serve individuals, churches, ministries, and faith-based businesses with tailored financial solutions.The heart of this merger is ministry. By combining resources, CCCU will be able to give more generously to global partners such as Samaritan's Purse, the Tim Tebow Foundation, and Mission Aviation Fellowship. Together, the new institution will support churches, mission-sending agencies, and faith-based organizations with greater financial strength. At the end of the day, it's not just banking, it's stewarding resources for eternal impact.With the merger complete, CCCU will become the largest Christian banking institution in the United States—holding more than $1.5 billion in assets. Beyond size, the partnership brings specialized expertise. AdelFi's strength in serving Christian-owned businesses complements CCCU's established ministry partnerships, while AdelFi's connection to over 4,000 missionaries deepens the reach to those serving around the world.The Path AheadThe merger is officially effective December 1, and members don't need to take any action. Services will continue seamlessly, with every account insured up to $250,000. CCCU is committed to keeping members updated through email and the merger hubs on their websites.This partnership represents more than financial growth—it's about multiplying impact for the Kingdom. Together, CCCU and AdelFi are equipping God's people and ministries with financial tools that advance the Gospel and care for others in Jesus' name.To learn more about this new chapter in Christian banking, visit FaithFi.com/Banking.On Today's Program, Rob Answers Listener Questions:I have approximately $630,000 in savings and would like guidance on how to invest it, pay off around $20,000 in debt, and purchase a home within the next year. I'm 35, and my wife and I expect to work another 15–20 years. How should we best allocate our money?The parable of the talents has inspired me to start investing. I have less than $10,000 and have been watching YouTube videos to learn. Can you recommend trustworthy resources—such as websites or books—that can help me develop financial wisdom?I'm getting ready to apply for Social Security. Is it better to apply online, over the phone, or in person at the office?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Christian Community Credit Union (CCCU)AdelFi Credit UnionSound Mind Investing (SMI)The Sound Mind Investing Handbook: A Step-by-Step Guide to Managing Your Money From a Biblical Perspective by Austin Pryor with Mark BillerSocial Security Administration (SSA.gov)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Kerry Lutz and John Tamny dismantle the debt myth, arguing America's problem isn't overspending—it's too much revenue fueling bigger government. Tamny explains how Medicare and Social Security actually help contain spending and calls for deep tax cuts and sweeping deregulation to jumpstart growth. They dig into the roots of the income tax and Federal Reserve, challenging the Fed's supposed power as gold and silver surge on fading confidence in the dollar. With interest rates sliding and government interference distorting markets, Tamny warns this isn't stability—it's a crisis in real time. Find John here: https://www.realclearmarkets.com Find Kerry here :https://khlfsn.substack.com and here: https://inflation.cafe     Kerry's New Book “The World According to Martin Armstrong – Conversations with the Master Forecaster” is now a #1 Best Seller on Amazon. . Get your copy here: https://amzn.to/4kuC5p5

Jeffrey Panik is the Founder of Balance Wealth Partners and a financial advisor with over 25 years of experience. A U.S. Army veteran and first generation college graduate, Jeff combines disciplined insight with deep empathy to help pre-retirees navigate the complex landscape of Social Security, Medicare, income planning, and succession strategy. His firm was founded on a simple mission: to help people live well today while preparing wisely for tomorrow. He is the author of Your Future Is Now, a personal finance guide for young adults, and is set to release his upcoming book for pre-retirees.

Episode 611: Many advisors say “wait” on Social Security, but Steve and Ryan explore the hidden risks of delaying, and how to find your personal sweet spot. Then, learn how simple, consistent steps can help you rebuild your retirement savings and strengthen your financial future.

In this episode, we discuss the latest advancements in Alzheimer's research, the societal implications of Social Security, and the unexpected turns life can take. We explore the balance between freedom and responsibility, the evolving nature of folk wisdom, and the importance of resilience and courage in navigating life's challenges. We also break down the role of government in personal savings and the impact of societal norms on individual choices. 00:00 Introduction and Episode Overview 00:28 Response to Our Social Security Proposal 02:16 Social Security and Personal Responsibility 12:12 Alzheimer's Research Breakthroughs 14:26 AI-generated Lawsuits for Outsourced OnlyFans Responses 20:31 Life's Unexpected Turns and Necessity of Resilience 23:44 The Virtue of Courage 24:51 Embracing Change and Personal Growth 31:19 Evolving Folk Wisdom and Societal Norms 35:00 Re-evaluating Homeownership 41:24 Conservatives, Liberals, and Societal Progress 44:49 The Golden Rule and Ethical Living 46:38 The Need to Preserve Our Nearly Just Society 49:54 The Importance of Civil Discourse Learn more about your ad choices. Visit podcastchoices.com/adchoices

Most experts say the smartest Social Security move is to wait until age 70 to claim. On paper, the logic seems simple—delay claiming, and you'll lock in a larger monthly check for life. But here's what's interesting: only about 10% of Americans actually wait that long.

Retirement isn't just about the numbers. Tim Ulbrich, PharmD and Tim Baker, CFP® and Registered Life Planner, explore how life planning can help you design a retirement filled with purpose, meaning, and fulfillment, not just financial security. Episode Summary When it comes to preparing for retirement, most conversations focus on the financial side—things like income planning, Social Security timing, withdrawal strategies, and tax-efficient investing. But true retirement readiness goes beyond the numbers. In this episode, Tim Ulbrich, PharmD, is joined by Tim Baker, CFP® and Registered Life Planner, to explore how life planning can help you design a retirement that's rich with meaning, purpose, and fulfillment, not just financial security. As you step away from decades of work—often after raising kids, building a career, and living within a structured routine—you enter a new phase of life where the biggest challenges aren't just financial, they're personal. Who are you now? What does your ideal day look like? How do you make this season of life one that aligns with your values and brings you joy? In this episode, you'll learn: What life planning is and how it complements financial planning How to navigate the personal and emotional transition into retirement Practical ways to align your money with your values and goals How to create a vision for a fulfilling and purpose-driven retirement Whether you're approaching retirement or simply thinking ahead, this conversation will help you see how life planning can make the next chapter not only financially sound but deeply satisfying. Mentioned on the Show Your Financial Pharmacist Your Financial Pharmacist on YouTube YFP 394: Crafting a Rich Life in Retirement: Insights from David Zgarrick, PhD Vanguard Study Advisor's Alpha Changes in US Family Finances from 2019 to 2022: The Federal Reserve Board of Governors

Updates available on militarymoneymanual.com/shutdown Air Force Aid Society – Falcon Loans up to $1,500 and Standard Assistance, up to 24 months of repayment. Space Force also eligible. Navy-Marine Corps Relief Society – Quick Assist Loan and Financial Assistance available Army Emergency Relief – Normally assistance available same day but no later than 48 hours. AER will provide rapid, zero-interest loans to help cover financial needs until normal operations and back pay resume. Assistance is available up to the amount of one net paycheck (maximum $6,000), with repayment beginning once pay is restored. If you or someone you know may be affected, please share this information. More information here. Coast Guard Mutual Assistance – Quick Loan program up to $1,000, Shutdown Loan up to 1 month's BAH per month USAA Government Shutdown Program 0% loan, credit check required, up to $6,000 Navy Federal Government Shutdown Assistance, Paycheck Assistance Program 0%, no credit check required, up to $6,000 PenFed Service Credit Union Spencer Reese delivers a timely solo episode addressing the 2025 federal government shutdown and its impact on military families. Recorded on October 8th, just days into the shutdown, this episode provides practical, actionable guidance on navigating the financial challenges of missed paychecks, accessing zero-interest loans from military-friendly banks, and protecting yourself from shutdown-related scams. While the Military Money Manual typically focuses on evergreen content, this episode addresses an urgent situation affecting active duty service members, federal employees, and military contractors. Topics Covered Government Shutdown Basics: Active duty military deemed mission essential, must continue reporting to work October 1st paycheck protected (work performed in September) October 15th paycheck at risk Historical precedent: 2018-2019 Coast Guard missed paychecks for 35 days Backpay is guaranteed by law once shutdown ends Veterans, retirees, VA disability, and Social Security payments protected (separate funding sources) USAA Government Shutdown Assistance Program: https://www.usaa.com/support/government-shutdown-program/ Zero-interest loan: $500-$6,000 based on last direct deposit amount Requirements: Direct deposit established before shutdown, at least one qualifying deposit in 30 days prior, US/military address (APO/FPO/DPO), credit approval required Repayment: 3 months, two equal installments (first payment ~60 days, second ~90 days) Additional relief: Auto/property insurance payment relief Credit cards: 3-month payment extension Consumer loans: 2-month extension with no interest Overdraft fees waived Home equity lines: 3-month payment extension Navy Federal Paycheck Assistance Program: https://www.navyfederal.org/about/government-shutdown.html Zero-interest loan: $250-$6,000 based on last direct deposit Major advantages: No credit check, not reported to credit bureaus Eligibility: Federal employees, active duty service members, federal contractors paid directly by government (broader than USAA) Registration deadline: Day before scheduled payday for funds on normal pay date (can register up to 3 days after, but won't receive funds immediately) Automatic repayment: Once direct deposit resumes, Navy Federal automatically deducts loan amount Backup repayment: If shutdown continues, repayment occurs 6 days after loan receipt Service Credit Union Options: 0% APR for up to 4 months No payments for up to 90 days Up to $5,000 for qualifying members Standard underwriting criteria applies (may require credit check) Military Aid Societies (All Interest-Free): Air Force Aid Society – Falcon Loans up to $1,500 and Standard Assistance, up to 24 months of repayment. Space Force also eligible. Navy-Marine Corps Relief Society – Quick Assist Loan and Financial Assistance available Army Emergency Relief – Normally assistance available same day but no later than 48 hours. AER will provide rapid, zero-interest loans to help cover financial needs until normal operations and back pay resume. Assistance is available up to the amount of one net paycheck (maximum $6,000), with repayment beginning once pay is restored. If you or someone you know may be affected, please share this information. More information here. Coast Guard Mutual Assistance – Quick Loan program up to $1,000, Shutdown Loan up to 1 month's BAH per month Historical Context: 2011: Near shutdown (averted) 2013: 16-day shutdown 2018: 3-day shutdown 2018-2019: 35-day shutdown (Coast Guard NOT paid) Bipartisan political theater regardless of which party controls Congress Military pay typically protected by last-minute "Pay Our Troops Act" Immediate Action Steps Reduce non-essential expenses - No big purchases or travel bookings Contact lenders - Request payment deferrals on mortgage, car, rent, student loans, credit cards Apply for 0% loans - Through USAA, Navy Federal, or Service Credit Union if needed Reach out to aid societies - Before considering any payday loans, auto title loans, or carrying credit card debt Watch for scams - Only use verified websites (USAA.com, NavyFederal.org), hang up and call back on suspicious calls Long-Term Action Steps Build an emergency fund - Minimum $1,000, ideally $10,000+ Switch to military-friendly bank - If current bank doesn't offer shutdown assistance Break paycheck-to-paycheck cycle - If missing one paycheck derails your finances, you have a financial emergency Turn off the news - Constant updates increase anxiety without adding value Focus on what you can control - Maintain internal locus of control Critical Security Warnings Scam Prevention: Only access programs through official websites: USAA.com and NavyFederal.org DO NOT use payday lenders or auto title loan companies DO NOT go through intermediaries If you receive a phone call claiming to be from Navy Federal or USAA, hang up and call back using verified number from app or official website Verify all communications independently Key Takeaways Don't panic - This has happened before and will likely happen again You will be backpaid - Military pay typically protected; backpay is guaranteed by law Assistance is available - Multiple 0% loan options and interest-free aid society loans Use this as motivation - Build financial resilience and emergency funds Emergency funds are essential - Perfect example of why military members need cash reserves Related Episodes Episode 95: Previous government shutdown episode (check for still-relevant information) Resources & Links Military-Friendly Banks: USAA.com - Government shutdown assistance NavyFederal.org - Paycheck assistance program Service Credit Union - Shutdown loan program Military Aid Societies (Interest-Free Loans): Air Force Aid Society - Covers Air Force and Space Force Navy Marine Corps Relief Society - Quick assist loans Army Emergency Relief - Same-day to 48-hour assistance Coast Guard Mutual Assistance - Quick loan program Apply for Assistance: Register with Navy Federal by day before payday for funds on schedule USAA requires credit approval (new requirement) Aid societies offer interest-free alternatives to commercial loans Who This Episode Is For Active duty military facing potential missed paychecks Federal employees impacted by shutdown Federal contractors paid directly by government Military spouses managing finances during shutdown Anyone needing immediate financial assistance during government disruptions Contact Information Host: Spencer Reese Connect: Website: MilitaryMoneyManual.com Instagram: @MilitaryMoneyManual Share this episode with others in your unit or squadron so they know the steps to take during a government shutdown. Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 20,000 military servicemembers and military spouses have graduated from the 100% free course available at militarymoneymanual.com/umc3 In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, including waived annual fees, on elite cards like the American Express Platinum Card® and the Chase Sapphire Reserve® Card. https://militarymoneymanual.com/amex-platinum-military/ https://militarymoneymanual.com/chase-sapphire-reserve-military/ Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3 If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. Want to be confident with your TSP investing? Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE! If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.

When it comes to money, the issue isn't just budgets or bank accounts—it's identity and ownership.In Christ, we're a new creation and God's dwelling place, which means money is something we manage for the Owner. Today, we'll explore what it looks like to live as God's stewards with Dr. Derwin Gray.Dr. Derwin L. Gray is a former NFL player turned pastor, author, and speaker. He co-founded Transformation Church in South Carolina and is the author of multiple books on faith, discipleship, race, and gospel-centered unity.From Ownership to StewardshipOne of the most significant shifts we can make as followers of Christ is to stop thinking like owners and start thinking like stewards. Scripture makes the point that: “You are not your own, for you were bought with a price” (1 Corinthians 6:19–20).God doesn't want something from us—He wants something for us. He longs for us to share His generous heart, free from the grip of idolatry. When Jesus said in Matthew 6:24, “You cannot serve both God and money,” He drew a line we cannot straddle. Money is a tool to serve God's purposes, not a master to rule our lives.A powerful illustration of this danger can be found in The Lord of the Rings. Smeagol, once a hobbit, discovered a ring of dark power and quickly became consumed by it. Calling it “my precious,” he was slowly deformed—body and soul—by his obsession.Money can do the same thing when it takes God's place in our lives. Instead of being a tool to serve God, it becomes a master that warps our hearts and dehumanizes us. But when grace reshapes our perspective, we see money for what it truly is: not a god to worship, but a resource to manage for God's glory.Generosity Flows from the GospelThe Apostle Paul wrote in 2 Corinthians 8:9, “You know the grace of our Lord Jesus Christ, that though He was rich, yet for your sake He became poor, so that you by His poverty might become rich.”Generosity is not our idea—it is God's nature. Giving is worship, an overflow of gratitude to the One who gave Himself for us. When we give our first and best to God, we not only honor Him but also discover peace, freedom, and deeper trust.This isn't only about giving. Stewardship encompasses saving, investing, and living debt-free. But generosity is foundational. When we trust God with our finances, we learn to trust Him with every other area of our lives. Our High CallingWe are not owners. We are managers of what the King of kings has placed in our hands. Every dollar entrusted to us is an opportunity to worship Him, serve others, and reflect His generous heart.When we embrace this calling, stewardship stops being a burden and becomes a beautiful privilege. How might God be inviting you to live more fully as His steward today?On Today's Program, Rob Answers Listener Questions:I had to retire early because of health issues for both me and my wife. As a custodian, I wasn't able to save much, and now we're living on about $2,400 a month from Social Security. What's the best way to wisely manage these limited resources?I'm 80 years old and have been taking required minimum distributions from my IRA for about ten years, giving some of those funds to charity each year. When I pass away, my children will inherit the IRA. Will they need to continue taking required minimum distributions?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Transformation Church | I Am A Steward (Sermon by Dr. Derwin Gray)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Is a break even analysis or trying to get the maximum lifetime benefits from Social Security the wrong way to optimize your benefits? In this episode I share an different idea with you about your Social Security claiming strategy.

In this episode of Boldin Your Money, host Steve Chen talks with Andrea Solarz, a Boldin community member from Arlington, Virginia, about her lifelong journey to financial independence. Andrea shares how early lessons from her parents about saving and budgeting set her on the right path, later reinforced through self-education and following experts like Rob Berger, Christine Benz, and Andy Panko. She discusses using Boldin's financial planning platform to confirm she was ready to retire and shift from saving to spending confidently. Andrea now relies on Social Security and TIAA-CREF annuities for guaranteed income, giving her the freedom to travel and support friends and causes she cares about. A single woman with no children, Andrea highlights the importance of independent financial planning and encourages others, especially women, to start saving early, invest consistently, and plan intentionally for retirement.

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

How much you need to retire quiz: https://bit.ly/Adam-OlsonShocking Retirement Facts You Wouldn't Believe (…and how to fix them)Most people focus on hitting a “magic number.” The truth? A handful of overlooked facts can quietly wreck an otherwise solid retirement. In this video, I break down the most surprising (and costly) traps I see as a CFP—and how our Red Zone Retirement Planning Process helps you avoid them.What you'll learnThe “tax torpedo” effect and why your MAGI matters more than your balanceHow IRMAA surcharges sneak up on high-income retireesWhy sequence-of-returns risk makes the first 5–10 years so criticalThe spending mistake that drains portfolios faster than you thinkRoth conversion windows (before RMDs/Medicare) most people missThe Go-Go / Slow-Go / No-Go framework to spend confidently and keep growingMy retirement frameworkWe align guaranteed income (Social Security, pensions, annuities, rental/dividends) to cover needs—then invest for wants (travel, hobbies, family) with a risk-right mix. Finally, we bucket assets for Go-Go, Slow-Go, and No-Go years so you're protected early and positioned for growth later.Chapters00:00 Intro — The facts nobody tells you01:18 The tax torpedo (and how to defuse it)03:42 IRMAA & healthcare cost surprises06:05 Sequence-of-returns risk in plain English08:27 Smarter withdrawal guardrails (not just 4%)10:10 Roth windows before RMDs & Medicare12:04 The Go-Go / Slow-Go / No-Go plan14:20 Action steps & next movesWork with meIf you're 5–7 years from retirement and want a clear, tax-smart income plan, let's talk.

Search warrants reveal chilling new details in the case of Oninda Romelus, accused of shooting her four children in Texas. Investigators found ammunition, multiple electronics, and dozens of Social Security and ID cards linked to potential fraud. Law&Crime's Jesse Weber breaks down the warrants and what they reveal about this shocking case.Guest: Dr. T. Anansi Wilson, Legal ScholarX/Youtube: @BlaQueerFlow IG:DrAnansiWilson BlueSky:DrAnansiWilson.bsky.socialTikTok:AnansiWWebsite: anansiwilsonphd.comPLEASE SUPPORT THE SHOW:If you're ever injured in an accident, you can check out Morgan & Morgan. You can submit a claim in 8 clicks or less without having to leave your couch. To start your claim, visit: https://forthepeople.com/LCSidebarHOST:Jesse Weber: https://twitter.com/jessecordweberLAW&CRIME SIDEBAR PRODUCTION:YouTube Management - Bobby SzokeVideo Editing - Michael Deininger, Christina O'Shea, Alex Ciccarone, & Jay CruzScript Writing & Producing - Savannah Williamson & Juliana BattagliaGuest Booking - Alyssa Fisher & Diane KayeSocial Media Management - Vanessa BeinSTAY UP-TO-DATE WITH THE LAW&CRIME NETWORK:Watch Law&Crime Network on YouTubeTV: https://bit.ly/3td2e3yWhere To Watch Law&Crime Network: https://bit.ly/3akxLK5Sign Up For Law&Crime's Daily Newsletter: https://bit.ly/LawandCrimeNewsletterRead Fascinating Articles From Law&Crime Network: https://bit.ly/3td2IqoLAW&CRIME NETWORK SOCIAL MEDIA:Instagram: https://www.instagram.com/lawandcrime/Twitter: https://twitter.com/LawCrimeNetworkFacebook: https://www.facebook.com/lawandcrimeTwitch: https://www.twitch.tv/lawandcrimenetworkTikTok: https://www.tiktok.com/@lawandcrimeSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Thank you so much for listening to the Bob Harden Show, celebrating over 14 years broadcasting on the internet. On Thursday's show, we discuss the upcoming legislative agenda for public education with the Co-Founder and CEO of the Florida Citizen's Alliance, Keith Flaugh. We visit with Cato Institute's Michael Cannon about the government shutdown and the Democrat's demand for renewing Obamacare subsidies. We visit CEI Senior Economist Ryan Young about the government shutdown and the need to reform entitlement programs like Social Security and Medicare. We also visit with former Mayor of Naples Bill Barnett about a “good deed” he experienced on the interstate. We have terrific guests scheduled for Friday's show including Senior Legal Fellow with the Pacific Legal Foundation William Yeatman, Director of the Collier Senior Center – Golden Gate Esther Lully, Landmark Legal Foundation Vice President Michael O'Neill, and Professor Larry Bell. Access this or past shows at your convenience on my web site, social media platforms or podcast platforms.

Monterey County is seeing fewer residents apply for Medi-Cal and Cal Fresh benefits ahead of changes in 2026. And, social security recipients that can't pay rent due to disruptions with their benefits are protected under a new law Governor Gavin Newsom signed.

A Waukesha County judge has ordered Wisconsin's elections commission to verify citizenship before accepting voter registrations, sparking a high-stakes battle over election integrity. In this episode, we dive into the fight to keep noncitizens off the voter rolls, examine how millions of illegally issued Social Security numbers may be used to register voters, and explore the partisan battles blocking transparency. We also discuss the broader implications for red and purple states, absentee ballot abuse, and the shadow networks that could influence elections. From federal oversight to local resistance, this is the story of the fight to protect the vote and ensure every ballot counts.

Jesse fields six wide-ranging listener questions that dig into the heart of financial planning and investing. He opens with a challenge to the idea that age alone dictates portfolio strategy, emphasizing instead that time horizons, goals, and diversification determine the right balance between growth and preservation. From there, Jesse advises a listener who recently inherited $1 million on how to integrate the windfall into an early retirement plan through detailed cash flow projections, withdrawal strategies, and careful consideration of pensions and Social Security. Next, he unpacks the difference between risk tolerance and risk capacity—framing them as willingness versus ability to take risk—and illustrates how these concepts vary depending on age, assets, and future income. A question about bonds leads to a deep dive on duration, interest rate sensitivity, and why bond funds and individual bonds behave more alike than many investors assume, with practical guidance on structuring fixed income for retirement needs. Shifting to income growth, Jesse shares seven strategies for boosting earnings over time, from negotiating raises and pursuing certifications to building businesses, climbing the career ladder, and gaining equity participation. Finally, he closes with a clear primer on Bitcoin, explaining blockchain, mining, and the role of trust in money, while stressing that investors don't need cryptocurrency in their portfolios—but should at least understand what it is and why it matters. Key Takeaways: • Investment strategy should be based on goals and timelines, not just age. • A $1 million inheritance should be planned with the same rigor as any other asset, while respecting any personal or emotional ties. • Risk tolerance reflects your willingness to endure volatility, while risk capacity measures your financial ability to recover from losses. • Bond funds and individual bonds are functionally similar, especially when held to maturity. • Negotiating with employers or job hopping can be effective short-term paths to higher pay. Building side businesses or securing equity participation can create outsized wealth growth over time. • Investors don't need crypto in their portfolios, but understanding how it works helps in today's financial landscape. Key Timestamps: (01:58) – Question #1: Understanding Risk and Reward in Investing (15:01) – Question #2: David's Early Retirement Strategy (22:21) – Question #3: Karen's Question on Risk Capacity (31:09) – Question #4: James' Concern About Bond Funds (42:39) – Question #5: Tips for Increasing Your Income (48:20) – Strategic Career Climbing (53:47) – Question #6: Introduction to Cryptocurrency (01:00:33) – The Role of Trust in Money and Bitcoin (01:09:16) – Bitcoin Wallets and Blockchain Explained (01:13:27) – Cryptographic Puzzles and Proof of Work (01:24:37) – Concluding Thoughts and Future Episodes Key Topics Discussed: The Best Interest, Jesse Cramer, Wealth Management Rochester NY, Financial Planning for Families, Fiduciary Financial Advisor, Comprehensive Financial Planning, Retirement Planning Advice, Tax-Efficient Investing, Risk Management for Investors, Generational Wealth Transfer Planning, Financial Strategies for High Earners, Personal Finance for Entrepreneurs, Behavioral Finance Insights, Asset Allocation Strategies, Advanced Estate Planning Techniques Mentions: https://bestinterest.blog/risk-and-reward/  https://bestinterest.blog/stocks-for-wealth-bonds-for-sanity/   https://bestinterest.blog/winning-the-game-retiring-at-57-with-4-million/   https://bestinterest.blog/raises-negotiations/  https://bestinterest.blog/explaining-bitcoin-in-simple-terms/   More of The Best Interest: Check out the Best Interest Blog at https://bestinterest.blog/  Contact me at jesse@bestinterest.blog Consider working with me at https://bestinterest.blog/work/  The Best Interest Podcast is a personal podcast meant for education and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

Free Copy of My Book: Building Wealth In the TSP: Your Road Map To Financial Freedom as A Federal Employee: https://app.hawsfederaladvisors.com/free-tsp-e-book FREE WEBINAR: "The 7 Biggest FERS Retirement Mistakes": https://app.hawsfederaladvisors.com/7biggestmistakeswebinar Want to schedule a consultation? Click here: https://hawsfederaladvisors.com/work-with-us/ Submit a question here: https://app.hawsfederaladvisors.com/question-submission I am a practicing financial planner, but I'm not your financial planner. Please consult with your own tax, legal and financial advisors for personalized advice.

Today's Headlines: President Trump marked the second anniversary of Hamas' October 7th attack by telling reporters he thinks there's a “really good chance” Israel and Hamas will finalize their ceasefire deal “within days.” Illinois and the city of Chicago sued to block Trump's move to federalize the National Guard, but a judge has so far declined to stop him, giving the administration until tomorrow night to respond. That's in contrast with a Trump-appointed judge in Oregon who blocked similar deployments in Portland, calling Trump's rationale “untethered from reality.” Stephen Miller responded by accusing the court of a “left-wing legal insurrection.” Meanwhile, ICE is reportedly gearing up to expand its surveillance powers — buying tools to track people via phone data and social media to help target deportations. And the administration plans to slash refugee admissions from 125,000 to just 7,500 this year, prioritizing (checks notes) white South Africans for resettlement. The White House is also cooking up a rule that would make it harder for older Americans to qualify for Social Security disability benefits by raising the age threshold from 50 to 60 — a move that could cut off payments for hundreds of thousands of people. And in Trump's ongoing campaign against his perceived enemies, the FBI is reportedly planning a “showy” arrest of former director James Comey — complete with tactical gear and cameras — after suspending an agent who refused to take part. Meanwhile, a top prosecutor in Virginia is reportedly resisting pressure to charge New York AG Letitia James with mortgage fraud, because, in her words, there's “no probable cause.” In other news, the Supreme Court rejected Ghislaine Maxwell's appeal of her sex trafficking conviction so back to the country club prison it is. Finally, a major Cambridge study found autism likely represents multiple distinct conditions, not one single disorder. Resources/Articles mentioned in this episode: Axios: Amid talks in Egypt, Trump says there's "a really good chance" for a Gaza deal NPR: Federal judge declines to immediately block National Guard deployment in Illinois CNN: Analysis: The White House claims a left-wing judicial ‘insurrection.' But many GOP and Trump nominees are rebuking the president, too Wired: ICE Wants to Build Out a 24/7 Social Media Surveillance Team AP News: Trump considers cutting US refugee intake to 7,500, focusing on white South Africans, officials say WaPo: Trump plan would limit disability benefits for older Americans CBS News: The FBI is weighing an arrest and perp walk for Comey — and suspended an agent for refusing to help, sources say MSNBC: Top prosecutor is rejecting Trump pressure to charge New York AG Axios: Supreme Court rejects Epstein associate Ghislaine Maxwell's appeal Wired: Autism Is Not a Single Condition and Has No Single Cause, Scientists Conclude Morning Announcements is produced by Sami Sage and edited by Grace Hernandez-Johnson Learn more about your ad choices. Visit megaphone.fm/adchoices

Think your tax bill disappears in retirement? Think again. It may drop for a few quiet years, until RMDs, Social Security taxation, and Medicare IRMAA kick in. That “low-tax retirement” dream can close fast.Learn the retirement tax arc and how targeted Roth conversions during low-income years can cut lifetime taxes by six figures, reduce future RMDs, and give you more control over when you realize income.In this episode, you'll learn to tackle the silent retirement killer: underspending. Fear of running out is real, and it often steals your best years. See how a living financial plan with projections, guardrails, and ongoing adjustments turns anxiety into informed choices. That way, you can say yes to travel, family, and experiences without second-guessing every swipe.It's important that you remember to reframe your portfolio design for withdrawals. Growth still matters to beat inflation, but it needs partners. A practical three-bucket strategy blends long-term growth, stable reserves for downturns, and steady ballast to limit sequence-of-returns risk while protecting purchasing power.This episode shows a practical path you can use now to align your tax planning, retirement spending, and investment strategy with the life you actually want. -Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Strategy ⬇️ Get Started Here.Join the new Root Collective HERE!

The show kicks off with a sardonic take on turf wars between delivery drivers—yes, really—before diving into third-quarter market returns, investor behavior, and asset class performance. Don and Tom remind listeners (again) that sticking with a diversified portfolio beats timing markets or following headline noise. Listeners call in about Social Security strategies, inheritance accounts for minors, and what to do with large sums of cash in retirement. The show wraps with a smart look at ETF-to-mutual fund conversions and why the old-school fund industry is getting left in the dust. 0:11 Delivery turf wars joke and quarter-end reflections 1:40 Fears vs. reality: inflation, jobs, and trade wars 2:16 Q3 returns: U.S. stocks +8%, EM +9.6%, silver tops, cocoa flops 3:09 What you had to do to earn those returns: be invested, diversified, and ignore noise 5:13 Don scolds investors still avoiding value and international stocks 6:11 Chocolate aside, it's been a strong year for stocks and bonds 7:42 Promo: Why guessing isn't a retirement plan 7:51 Don recovers from a cough; Tom lists worst Q3 performers (lean hogs!) 9:13 Listener Chad argues for claiming Social Security early if you can earn 3% 11:08 Don crunches the math: break-even at age 81–82 if invested at 3% 12:57 Survivor benefits and why waiting helps your spouse 13:57 Don jokes about his wife stealing his life force and living to 112 14:54 Vaccine banter and intro to next caller 15:56 Caller Michael from Burien sells a condo, asks where to put $300k 19:07 Don and Tom suggest municipal bonds like VTEB for tax-free yield 20:20 Michael quotes a great retirement planning aphorism 20:29 Shift to ETF inflows and the downfall of mutual funds 29:13 Vanguard's tax-free conversion model and Dimensional's exemptive relief 30:49 What this shift means for investors with taxable accounts 31:17 Mutual funds may soon be the next buggy whips 32:22 Listener Connie asks: do you really get back Social Security withheld when working before FRA? 33:14 Tom and Don clarify: benefit adjusted later, but no “refund” 34:37 Caller Susan from Connecticut: what to do with $250k in cash 36:52 Don: You don't need more products—you need a real financial plan 39:17 Flat-fee plans and how to find a true fiduciary Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, we discuss the implications of hope and agency through the lens of a rat experiment, the collapse and economic realities of the NFT market, and a proposed plan to reform Social Security, exploring the urgent need for a sustainable solution to its impending insolvency. 00:00 Introduction 00:27 Lessons from a Rat Experiment 06:05 The Impact of Hope on Human Agency 10:59 Cultural Shifts and Racism in America 15:20 The Rise and Fall of NFTs 20:15 Social Security: A Looming Crisis 24:22 Inequities in Social Security Returns 26:00 The Death Tax of Social Security 27:12 Proposed Changes to Social Security 33:17 Transitioning Away from Social Security 37:24 The Long-Term Financial Outlook 40:38 Political Challenges and Realities 45:07 The Inevitable Consequences of Inaction 50:21 What Should We Do? Learn more about your ad choices. Visit podcastchoices.com/adchoices

It's one of the most common and most confusing questions out there: Should you take Social Security at 62, wait until full retirement age, or hold off until 70? In this All About FERS episode, Floyd Shilanski, with his 50+ years of financial advising experience, breaks down the pros, cons, and math behind claiming Social Security early vs. delaying.

1️⃣ Giving People Money Helped Less Than I Thought It WouldA fascinating look at why direct cash transfers haven't delivered the long-term results many expected. It's a reminder that money alone doesn't fix poverty without education, opportunity, and strong community institutions.https://www.theargumentmag.com/p/giving-people-money-helped-less-than2️⃣ This Social Security "Bridge" Claiming Strategy Delaying Social Security can meaningfully boost lifetime income — and the “bridge” strategy shows how to use savings early to make that possible. Smart timing, not just saving, can make a six-figure difference over retirement.https://www.thinkadvisor.com/2025/09/03/this-social-security-claiming-strategy-reliably-lifts-retirement-income/3️⃣ Suze Orman Tells Us the Biggest Retirement Mistake You Can MakeSuze Orman says claiming Social Security early is the biggest mistake retirees make. Patience and proactive planning can dramatically increase your long-term wealth and legacy.https://www.kiplinger.com/retirement/retirement-planning/suze-orman-tells-us-the-biggest-retirement-mistake-you-can-make4️⃣ Gen Z's Dividend Investing Boom Gen Z investors are flocking to dividend-paying ETFs for stability and income — a surprising twist for the “risk-on” generation. But dividend investing for young people carries a lot more downside when you consider all the factors.https://www.bloomberg.com/graphics/2025-gen-z-dividend-investing-etfs/

Ignite your fight, America—@intheMatrixxx and @shadygrooove, the unyielding truth warriors of the digital frontier, unleash Season 7, Episode 190, “Democrat Shutdown Continues, Peace in the Middle East; Karoline Leavitt Press Conference,” airing October 6, 2025, at 12:05 PM Eastern, exposing the Democrats' reckless grip on power that's furloughing troops, starving essential services, and funneling billions to illegals' healthcare while rejecting clean funding bills that safeguard our sovereignty. As the shutdown drags into day six, with Senate votes looming and Speaker Johnson rallying for accountability, they'll dissect how the radical left's filibuster threats betray everyday patriots—from delayed Social Security to halted VA care—all to protect their open-borders agenda against Trump's fiscal hammer. But amid the domestic sabotage, hope surges abroad: Trump's bold Gaza peace blueprint has Hamas signaling hostage releases, Israel pausing strikes, and global leaders from Macron to Carney hailing a two-state dawn, proving America First diplomacy crushes endless wars and forges stability where failures festered. They'll break down Leavitt's fiery 1 PM Eastern presser, where she eviscerates MSM spin on the shutdown's real culprits and spotlights Trump's vision for a deradicalized region, delivering unfiltered intel that cuts through the fog like a constitutional blade. The truth is learned, never told—the Constitution is your weapon. Tune in at noon-0-five Eastern LIVE to stand with Trump! Trump, government shutdown, Democrat shutdown, Middle East peace, Gaza ceasefire, Karoline Leavitt, press conference, America First, hostages release, fiscal responsibility, MG Show, @intheMatrixxx, @shadygrooove, two-state solution mgshow_s7e190_democrat_shutdown_peace_middle_east_leavitt_press Tune in weekdays at 12pm ET / 9am PST, hosted by @InTheMatrixxx and @Shadygrooove. Catch up on-demand on https://rumble.com/mgshow or via your favorite podcast platform. Where to Watch & Listen Live on https://rumble.com/mgshow https://mgshow.link/redstate X: https://x.com/inthematrixxx Backup: https://kick.com/mgshow PODCASTS: Available on PodBean, Apple, Pandora, and Amazon Music. Search for "MG Show" to listen. Engage with Us Join the conversation on https://t.me/mgshowchannel and participate in live voice chats at https://t.me/MGShow. Social & Support Follow us on X: @intheMatrixxx https://x.com/inthematrixxx @ShadyGrooove https://x.com/shadygrooove Support the show: Fundraiser: https://givesendgo.com/helpmgshow Donate: https://mg.show/support Merch: https://merch.mg.show MyPillow Special: Use code MGSHOW at https://mypillow.com/mgshow for savings! Wanna send crypto? Bitcoin: bc1qtl2mftxzv8cxnzenmpav6t72a95yudtkq9dsuf Ethereum: 0xA11f0d2A68193cC57FAF9787F6Db1d3c98cf0b4D ADA: addr1q9z3urhje7jp2g85m3d4avfegrxapdhp726qpcf7czekeuayrlwx4lrzcfxzvupnlqqjjfl0rw08z0fmgzdk7z4zzgnqujqzsf XLM: GAWJ55N3QFYPFA2IC6HBEQ3OTGJGDG6OMY6RHP4ZIDFJLQPEUS5RAMO7 LTC: ltc1qapwe55ljayyav8hgg2f9dx2y0dxy73u0tya0pu All Links Find everything on https://linktr.ee/mgshow

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

The “Henssler Money Talks” hosts dig into the drama of a government shutdown—what sparked it, what really happens when Washington stalls, and what history reveals about the real impact on the economy. We'll focus on what really matters for your money and discuss the broader consequences along with what it might take to prevent future standoffs.Original Air Date: October 4, 2025 Read the Article: https://www.henssler.com/markets-and-the-shutdown-why-political-drama-doesnt-always-hurt 

We're diving into two powerful conversations that every listener can relate to: how to retire confidently and how to invest wisely, no matter your age. Josh tackles real-life retirement planning, how to decide when to take Social Security, how to balance taxes and income, and what Boomers, Gen X, Millennials, and Gen Z can teach each other about building wealth. Can't get enough of The Financial Quarterback? Click ‘Subscribe' so you never miss a play. If you're enjoying the show, leave a 5-star rating and drop a review—it helps keep the game going!

Are you overthinking your Roth conversion strategy? While Roth conversions can be powerful, not every retiree needs them. In this video, you'll learn when a Roth conversion truly makes sense—and when it may just add unnecessary complexity.Using the “cauliflower analogy,” we break down how Required Minimum Distributions (RMDs) can push retirees into higher tax brackets, and why paying taxes now can sometimes help avoid bigger bills later. But there's an even more important question: could you be better off retiring earlier or spending more instead of over-optimizing your tax plan?We'll also highlight the sweet spot for conversions (between retirement and when Social Security and RMDs begin) when tax savings can be most effective. Ultimately, a great financial plan isn't defined by your Roth conversion strategy, but by building a life well lived.  Whether you're considering your first conversion or refining your existing approach, this episode provides the foundation for making decisions aligned with what truly matters in your financial journey. - Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.

In this rewind episode of the Earn & Invest podcast we discuss the often-neglected topic of Social Security, with Mary Beth Franklin, a seasoned retirement expert, unraveling the complexities and dispelling common misconceptions. With over 40 years of financial journalism experience, Franklin provides a comprehensive Social Security 101, highlighting its importance in retirement planning and addressing the risks associated with both assuming its non-existence and overlooking its impact on financial security. Learn more about your ad choices. Visit megaphone.fm/adchoices

Only about 4% of retirees actually wait until age 70 to claim Social Security, despite the financial benefits of delaying them. This comes from an article by Derek Tharp at Kitces.com titled “The Flaws In Using A 0% Discount Rate To Justify Delaying Social Security”. It takes a hard look at why the common advice to “wait until 70” might not always hold up in the real world.  Tharp argues that the assumptions baked into much of the research—especially the idea that a future Social Security dollar is worth the same as a dollar today—can tilt the math toward delay, while ignoring very real risks like mortality, sequence of returns, policy changes, and even health-span. I'll share the points and give my commentary on the topic. Thanks for hitting the Play button! Then in our listener question segment: We'll talk about whether it ever makes sense to use a SPIA to bridge the gap until Social Security. What are the pros and cons, and would I ever recommend one? Resource: Article from Derek Tharp on Kitces.com: Why Delaying Social Security Benefits Isn't Always The Best Decision Connect with Benjamin Brandt Get the Retire-Ready Toolkit: http://retirementstartstodayradio.com Subscribe to the newsletter: https://retirementstartstodayradio.com/newsletter Work with Benjamin: https://retirementstartstoday.com/start Follow Retirement Starts Today in:Apple Podcasts, Spotify, Overcast, Pocket Casts, Amazon Music, or iHeart  Get the book!Retirement Starts Today: Your Non-financial Guide to an Even Better Retirement  

Priscila “Pri” Cosentino is the Founder and Financial Advisor at Fern Prosperity, an advisory firm dedicated to helping individuals pursue their financial goals through integrated planning strategies and personal development. With over a decade of professional experience in finance, advertising, events, and retail across Brazil and the United States, Pri brings a holistic perspective to financial planning and personal growth.Pri was mentored for more than ten years by an experienced financial advisor, during which time she developed the WISE Method™—a planning framework based on Wisdom, Insight, Strategy, and Enjoyment. This approach is designed to help clients consider how to align their financial decisions with their values and long-term vision.Pri holds a degree from the University of Central Florida (UCF) and an MBA in Neuroscience and Human Behavior from UniF. Her education combines financial planning with behavioral science, which supports her work in helping clients make informed decisions about money, life, and legacy.As an Advisor, Pri applies the W.I.S.E. Planning™ methodology when building personalized strategies that may address areas such as income planning, tax considerations, estate and legacy planning, and personal development. She works with a diverse and global clientele, offering services in English, Portuguese, German, and Spanish.Pri is also an author and speaker who shares insights on financial planning and personal development. Her professional philosophy emphasizes clarity, a client-first focus, and values-based planning.Outside of her professional work, Pri is a committed learner, traveler, and cultural enthusiast. She enjoys fitness, thoughtful conversations about business and purpose, and is the proud dog mom of Tish, Weiße, Pkna, and Traya.Learn More: https://pricosentino.com/Fern Prosperity, LLC and Pri Cosentino are not affiliated with the Social Security Administration or any government agency. This content is intended strictly for educational purposes and should not be construed as individualized investment advice. Any decisions related to Social Security, retirement, or financial planning should be made in the context of a comprehensive plan and in consultation with a qualified advisor. Investment advisory services are offered through Virtue Capital Management, LLC (VCM), a registered investment advisor. Fern Prosperity, LLC and VCM are independent entities. Investing involves risk, including the potential loss of principal. Past performance is not indicative of future results, and no investment strategy can guarantee a profit or protect against loss during periods of market decline. None of the information presented shall constitute an offer to sell or a solicitation of an offer to buy any security or insurance product. References to protection benefits or reliable income streams relate exclusively to fixed insurance products and not to securities or investment advisory services. Annuity guarantees are subject to the financial strength and claims-paying ability of the issuing insurance company. Annuities are insurance products and may be subject to fees, surrender charges, and holding periods, which vary by insurance carrier. Annuities are not FDIC-insured. Information and opinions provided by third parties have been obtained from sources believed to be reliable, but Fern Prosperity, LLC makes no representation as to their accuracy or completeness. Content is provided for informational purposes only and should not be the sole basis for any financial decision, nor should it be interpreted as advice tailored to the specific needs of an individual's situation. Third-party ratings, awards, or recognitions are not guarantees of future investment success and should not be construed as endorsements of Pri Cosentino or Fern Prosperity, LLC. They do not ensure that a client or prospective client will achieve a higher level of performance or results. Such ratings are not indicative of any one client's experience and should not be considered a testimonial.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-pri-cosentino-founder-financial-advisor-at-fern-prosperity-discussing-maintaining-lifestyle-and-legacy-in-retirement

Priscila “Pri” Cosentino is the Founder and Financial Advisor at Fern Prosperity, an advisory firm dedicated to helping individuals pursue their financial goals through integrated planning strategies and personal development. With over a decade of professional experience in finance, advertising, events, and retail across Brazil and the United States, Pri brings a holistic perspective to financial planning and personal growth.Pri was mentored for more than ten years by an experienced financial advisor, during which time she developed the WISE Method™—a planning framework based on Wisdom, Insight, Strategy, and Enjoyment. This approach is designed to help clients consider how to align their financial decisions with their values and long-term vision.Pri holds a degree from the University of Central Florida (UCF) and an MBA in Neuroscience and Human Behavior from UniF. Her education combines financial planning with behavioral science, which supports her work in helping clients make informed decisions about money, life, and legacy.As an Advisor, Pri applies the W.I.S.E. Planning™ methodology when building personalized strategies that may address areas such as income planning, tax considerations, estate and legacy planning, and personal development. She works with a diverse and global clientele, offering services in English, Portuguese, German, and Spanish.Pri is also an author and speaker who shares insights on financial planning and personal development. Her professional philosophy emphasizes clarity, a client-first focus, and values-based planning.Outside of her professional work, Pri is a committed learner, traveler, and cultural enthusiast. She enjoys fitness, thoughtful conversations about business and purpose, and is the proud dog mom of Tish, Weiße, Pkna, and Traya.Learn More: https://pricosentino.com/Fern Prosperity, LLC and Pri Cosentino are not affiliated with the Social Security Administration or any government agency. This content is intended strictly for educational purposes and should not be construed as individualized investment advice. Any decisions related to Social Security, retirement, or financial planning should be made in the context of a comprehensive plan and in consultation with a qualified advisor. Investment advisory services are offered through Virtue Capital Management, LLC (VCM), a registered investment advisor. Fern Prosperity, LLC and VCM are independent entities. Investing involves risk, including the potential loss of principal. Past performance is not indicative of future results, and no investment strategy can guarantee a profit or protect against loss during periods of market decline. None of the information presented shall constitute an offer to sell or a solicitation of an offer to buy any security or insurance product. References to protection benefits or reliable income streams relate exclusively to fixed insurance products and not to securities or investment advisory services. Annuity guarantees are subject to the financial strength and claims-paying ability of the issuing insurance company. Annuities are insurance products and may be subject to fees, surrender charges, and holding periods, which vary by insurance carrier. Annuities are not FDIC-insured. Information and opinions provided by third parties have been obtained from sources believed to be reliable, but Fern Prosperity, LLC makes no representation as to their accuracy or completeness. Content is provided for informational purposes only and should not be the sole basis for any financial decision, nor should it be interpreted as advice tailored to the specific needs of an individual's situation. Third-party ratings, awards, or recognitions are not guarantees of future investment success and should not be construed as endorsements of Pri Cosentino or Fern Prosperity, LLC. They do not ensure that a client or prospective client will achieve a higher level of performance or results. Such ratings are not indicative of any one client's experience and should not be considered a testimonial.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-pri-cosentino-founder-financial-advisor-at-fern-prosperity-discussing-maintaining-lifestyle-and-legacy-in-retirement

Ralph welcomes Michael Mann, Professor in the “Department of Earth and Environmental Science” at the University of Pennsylvania and author along with Dr. Peter Hotez of “Science Under Siege: How to Fight the Five Most Powerful Forces that Threaten Our World.” Then we are joined by Martin O'Malley, former governor of Maryland and one time Commissioner of the Social Security Administration to refute all the lies being told about the state of Social Security.Dr. Michael E. Mann is Presidential Distinguished Professor in the “Department of Earth and Environmental Science” at the University of Pennsylvania. He is a co-founder of the award-winning science website RealClimate.org, and the author of more than 200 peer-reviewed and edited publications, numerous op-eds and commentaries, and seven books, including “Science Under Siege: How to Fight the Five Most Powerful Forces that Threaten Our World” (co-authored with Dr. Peter Hotez).It's the five actors that we talk about, the five forces that threaten our world: the Plutocrats, the Petro States, the Polluters, the Propagandists, and yes, the Press, not all media outlets, but many of them, including even what we used to think of as legacy. Objective news outlets like the New York Times and the Washington Post too often engage in what we call performative neutrality, where anti-science positions are placed on an equal footing with the overwhelming consensus of the world's scientists.Dr. Michael MannPeople like to finger point at China, which currently is the largest emitter (of greenhouse gases) because they industrialized much later than the United States, more than a century later. But their trajectory is actually a downward trajectory. They've contributed far less carbon pollution to the atmosphere than we have, and they're taking greater action.Dr. Michael MannThe United States doesn't get to determine the future course of human civilization at this point. It's going to be the rest of the world. All the United States gets to determine is whether it's going to be on the front line of the clean energy transition, the great economic development of this century, whether they're going to be on board or left behind.Dr. Michael MannMartin O'Malley served as Commissioner of the Social Security Administration from December 20, 2023 to November 29, 2024. He previously served as Governor of Maryland from 2007 to 2015, following two terms as Mayor of the City of Baltimore.Once they (the Trump Administration) got rid of the heads of all of the offices of Inspectors General, they started launching these big lies, like the lie that there are 12 million dead people that continue to receive checks. And as Trump said himself to Congress, some of them are as much as 300 years old, which would have had them here for the founding of Jamestown.Martin O'MalleyThey (Republicans) are trying to wreck it (Social Security), wreck its reputation, wreck its customer service, so then they can rob it.Martin O'MalleyNews 10/3/25* Our top story this week is President Trump's chilling speech to the military high command, in which he proclaimed that “America is under invasion from within,” per PBS. Trump went on to say that he plans to use American cities – citing Chicago, San Francisco, and Portland – as “training grounds for our military.” Warning against conscientious objections by the military to this weaponization against domestic opponents, Trump added “I'm going to be meeting with generals and with admirals and with leaders. And if I don't like somebody, I'm going to fire them right on this spot.” Secretary of Defense Pete Hegseth, who has recently styled himself Secretary of War, reiterated this message, saying “if the words I'm speaking today are making your heart sink, then you should do the honorable thing and resign.” In terms of actual policy, a new draft National Defense Strategy calls for prioritizing defense of the “homeland,” over potential foreign threats, such as from China, per POLITICO. The administration followed up this declaration with a dystopian deployment in Chicago, where federal agents rappelled down from helicopters to raid a South Side apartment building, arresting Venezuelan migrants and Black American citizens alike. In a statement given to ABC7 Chicago, one man detained by feds stated “They had the Black people in one van, and the immigrants in another.” Illinois Governor J.B. Pritzker decried the presence of “jackbooted thugs roaming around a peaceful downtown,” and demanded federal troops “Get out of Chicago...You are not helping us,” per the New York Times.* Speaking of conflicts abroad, this week Trump unveiled his proposal for a peace deal in Gaza. According to CNN, “The plan calls for Israel to release 250 Palestinian prisoners with life sentences, as well as 1,700 Palestinians detained since the start of the war, in exchange for Hamas freeing 48 hostages.” Once these exchanges have been completed, Israel is to gradually withdraw from Gaza and turn over administration of the enclave to a “Board of Peace,” which will include Trump himself along with former British Prime Minister Tony Blair, in a bizarre historical echo of the British mandatory rule over Palestine. If this process proceeds, it will supposedly create “a path for a just peace on the basis of a two-state solution.” The odds of success however are slim.* In more Gaza news, the Global Sumud Flotilla has been intercepted off the coast of Gaza and Israel has detained the activists on board. Video evidence shows the IDF detaining activist Greta Thunberg specifically. According to Congresswoman Rashida Tlaib, “The Israeli government has illegally abducted over 450 participants of the Global Sumud Flotilla, including nearly two dozen U.S. citizens…We must demand their immediate release and their protection from abuse and torture in Israeli detention. End the siege and genocide of Gaza now.” According to the Flotilla organizers, one of the ships – the Mikeno – got as close as 9.3 miles from the coast, within Gaza's territorial waters, before they lost its signal. While disappointing, given that this is the largest aid flotilla to Gaza in history and came so close to the shore, it seems that at least the flotilla gave fishermen in Gaza the opportunity to go out on the water without interference from the Israeli navy – a crack in the all-encompassing blockade.* Meanwhile, Fox News reports that Israeli intelligence hijacked all cellphones in Gaza in order to forcibly broadcast Prime Minister Netanyahu's United Nations General Assembly speech last week, in which he accused the leaders of western nations who recently recognized the state of Palestine – France, Australia, and the U.K. among others – of being “Leaders who appease evil rather than support a nation whose brave soldiers guard you from the barbarians at the gate,” adding, “They're already penetrating your gates. When will you learn?” Netanyahu's speech was also blasted into Gaza via loudspeakers on the Israeli side of the border. The families of the hostages still held in Gaza released a statement decrying this provocative action, writing “We know from our children…that the loudspeakers were placed inside Gaza. This action endangers their lives, all for the sake of a so-called public diplomacy campaign to preserve [Netanyahu's] rule…He is doing PR at the expense of our children's lives and security. Today we lost the last shred of trust we had in the political echelon and in the army leaders who approved this scandalous operation.”* In Latin America, Trump is planning to bailout Argentina, which has suffered tremendous economic shocks under the stewardship of radical Libertarian President Javier Milei. According to Newsweek, Treasury Secretary Scott Bessent has offered Argentina a, “$20 billion swap line and other forms of assistance to help stabilize the Argentine peso, and said the U.S. remained ‘prepared to do what is necessary' to sustain the ‘important strides' taken by Milei.” This kind of ideologically driven foreign assistance flies in the face of Trump's supposed “America First” policies, but beyond that it has infuriated domestic interests, especially in the agricultural sector. American Soybean Association President Caleb Ragland posted a statement reading, “The frustration is overwhelming…U.S. soybean prices are falling, harvest is underway, and farmers read headlines not about securing a trade agreement with China, but that the U.S. is extending…economic support to Argentina.” This is a particular twist of the knife because following Trump's offer, Argentina lowered export restrictions and sent “20 shiploads of Argentine soybeans to China in just two days.” Republicans representing agricultural interests share this fury. Iowa Senator Chuck Grassley wrote “Why would [America] help bail out Argentina while they take American soybean producers' biggest market???...We should use leverage at every turn to help [the] hurting farm economy. Family farmers should be top of mind in negotiations by representatives of [the] USA.” North Dakota Representative Julie Fedorchak added “This is a bitter pill for North Dakota soybean farmers to swallow.”* Moving on from foreign affairs, this week saw the release of a new batch of Epstein files, demanded by Democrats on the House Oversight Committee and turned over by the Jeffrey Epstein Estate. These files include “phone message logs, copies of flight logs and manifests for aircraft,” along with “copies of financial ledgers and Epstein's daily schedule.” These new releases implicate many big names, including Elon Musk, Peter Thiel, Steve Bannon, and well-documented Epstein associate, Prince Andrew of the British royal family, per the BBC. The release of these files is the latest victory in the campaign to expose everyone involved with Epstein's underage sex ring, a campaign Republicans in government – led by President Trump – have resisted. According to the Hill, Speaker Mike Johnson is refusing to allow the swearing-in of Adelita Grijalva, who was elected last week in a special election to fill the seat vacated by her father's death. In this move, many see an attempt by Speaker Johnson to stave off the discharge petition to release the Epstein files. Grijalva has already committed to signing the petition.* In the wake of the Charlie Kirk assassination, Republicans have hammered the left for what they see as violent rhetoric, with the White House going so far as to classify certain ideas – among them anti-fascism, anti-capitalism and “extremism on migration, race, and gender” – as potentially punishable under domestic terrorism laws. Meanwhile, however, the Arizona Mirror reports a Republican lawmaker in the state has called for the Washington Democratic Congresswoman Pramila Jayapal to be “tried convicted and hanged.” The lawmaker, state Representative John Gillette, was responding to a video in which Jayapal counseled protestors on “non-violent resistance” to Trump's policies. Gillette on the other hand has vocally supported the January 6th insurrectionaries, labeling them “political prisoners” and calling for their release. Asked for comment, Gillette said “The comment is what it is.” For her part, Congresswoman Jayapal has called for “All political leaders, of all parties, [to] denounce” these comments.* Turning to local news, incumbent New York City Mayor Eric Adams has dropped his bid for reelection, Reuters reports. Adams has been mired in scandal of all kinds, including a federal indictment for bribery. Speculation abounds as to why he chose to suspend his campaign now. It is too late to take his name off of the ballot and he declined to endorse any other candidate, making it unlikely that he did so to bolster the chances of disgraced former Governor Andrew Cuomo, who is still continuing his independent bid for the mayoralty despite lagging behind Democratic nominee Zohran Mamdani by a substantial margin. On the other hand, Adams has previously been offered incentives by President Trump to drop out of the race, including potential protection from prosecution and an ambassadorial post in Saudi Arabia. Curtis Sliwa, the Republican nominee, claims “Seven different people,” have offered him a “total of $10 million,” to withdraw from the race, but he adamantly refuses to do so, saying “you can't bribe me, buy me, lease me, I'm not for sale.” This from the New York Post.* Next, on September 25th, Black liberation activist Assata Shakur passed away at the age of 78, per Democracy Now!. Shakur had been convicted of killing a New Jersey state trooper in 1973, though serious doubts remain about her role in the death. She escaped from prison in 1979 and fled to Cuba, where she received asylum in 1984 and continued to maintain her innocence until her death. In 1998, Pope John Paul II visited Cuba and faced calls to demand Assata's extradition to the United States to “face justice” for the murder. In a highly-publicized letter, Assata wrote “The New Jersey State Police and other law enforcement officials say they want to see me brought to ‘justice.' But I would like to know what they mean by ‘justice.' Is torture justice?... When my people receive justice, I am sure that I will receive it, too.” Rest in power, Assata.* Our final story comes to us from, where else, but Hollywood. Variety reports, AI production studio Particle6 has created an AI “actress” who is “named” Tilly Norwood and thereby created a firestorm within the entertainment industry. Tilly's creator, Eline Van der Velden argues that she sees, “AI not as a replacement for people, but as a new tool…Just as animation, puppetry, or CGI opened fresh possibilities without taking away from live acting…nothing – certainly not an AI character – can take away the craft or joy of human performance.” However, SAG-AFTRA – the union representing screen actors – has issued a blistering statement, writing “To be clear, ‘Tilly Norwood' is not an actor, it's a character generated by a computer program that was trained on the work of countless professional performers — without permission or compensation…It has no life experience to draw from, no emotion and, from what we've seen, audiences aren't interested in watching computer-generated content untethered from the human experience.” The statement continues, “It doesn't solve any ‘problem' — it creates the problem of using stolen performances to put actors out of work, jeopardizing performer livelihoods and devaluing human artistry.” This episode is simply the latest clash within the entertainment industry between workers and the rising tide of AI. It will not be the last.This has been Francesco DeSantis, with In Case You Haven't Heard. Get full access to Ralph Nader Radio Hour at www.ralphnaderradiohour.com/subscribe

What if the riskiest move isn't retiring too early, but waiting so long your best years pass by? This episode unpacks the real regrets of 909 retirees and the practical steps they wish they'd taken sooner. Design purpose. Spend on what matters. Do it while health and energy are on your side.Beat the “one more year” trap. Working longer can look safer on a spreadsheet, but life isn't a spreadsheet. Learn how to prototype purpose before day one, shift your identity from saver to spender without guilt, and choose a retirement location that supports daily joy and long-term care needs.Avoid the hidden tax hazards that derail cash flow. Understand RMDs, Social Security taxation/stacking, and Medicare IRMAA. Use Roth conversions and bracket smoothing to lower lifetime taxes and protect your spending plan.Put relationships ahead of returns. Money gives options. Connection gives meaning. With simple guardrails and a clear plan, you can spend earlier and more intentionally on experiences, travel, and family, instead of hoarding for a “someday” that never comes.Ready to align your retirement plan with the life you actually want to live? Listen as James gives you the framework and the nudge to start now.-Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Strategy ⬇️ Get Started Here.Join the new Root Collective HERE!

Jim and Chris discuss listener questions on Social Security spousal benefits, a listener PSA on IRMAA repayment silence, IRMAA reduction eligibility and planning considerations, and a PSA on how 60-day rollover Roth conversions affect year-end RMD calculations.(7:45) A listener points out a possible error from a recent episode and looks for clarification whether delaying benefits […] The post Social Security, Roth Conversions, RMD Calculations: Q&A #2540 appeared first on The Retirement and IRA Show.

Murder for Social Security Or Humane Help? The Shocking Lorenz Kraus LIVE TV Confession! Follow the money — and sometimes you find a killer. In this Hidden Killers Live segment, we explore how what began as a Social Security fraud probe spiraled into a double homicide investigation when investigators uncovered the bodies of Franz and Theresia Kraus in their backyard. For years, their son, Lorenz Kraus, told neighbors they had moved to Germany. Meanwhile, he continued collecting their government benefits — until a welfare check by SSA triggered a police search at 6 Crestwood Court. What followed: Two bodies buried behind the house A bizarre on-camera confession at CBS6 Murder charges, and zero remorse We dig into the financial motive behind the murder, why these crimes are alarmingly common, and how digital benefit systems make it easier to hide the dead — until the paper trail gives way. If you want to understand how murder and money intertwine — and how a bureaucratic audit unraveled a seven-year deception — this is the story.

HEADLINE: US Fiscal Crisis and the Politics of Debt GUEST NAME: Veronique de Rugy SUMMARY: John Batchelor speaks with Veronique de Rugy about the federal budget impasse and America's escalating debt crisis. The government has been operating solely on borrowed money since September 21, adding $2 trillion annually to the debt. Both parties avoid addressing fundamental fiscal problems through continuing resolutions that extend previous spending levels. Republicans claim fiscal responsibility while adding to the debt, and Democrats leverage shutdown threats to expand Obamacare subsidies. De Rugy argues that only entitlement reform of Medicare, Medicaid, and Social Security can solve the crisis, along with ending private sector subsidies and reducing federal involvement in state affairs

HEADLINE: US Fiscal Crisis and the Politics of Debt GUEST NAME: Veronique de Rugy SUMMARY: John Batchelor speaks with Veronique de Rugy about the federal budget impasse and America's escalating debt crisis. The government has been operating solely on borrowed money since September 21, adding $2 trillion annually to the debt. Both parties avoid addressing fundamental fiscal problems through continuing resolutions that extend previous spending levels. Republicans claim fiscal responsibility while adding to the debt, and Democrats leverage shutdown threats to expand Obamacare subsidies. De Rugy argues that only entitlement reform of Medicare, Medicaid, and Social Security can solve the crisis, along with ending private sector subsidies and reducing federal involvement in state affairs. 1870 NEW ORLEANS

This week's questions: Should I move my money overseas if I'm worried about immigrant rights? Should I divide my dad's $100,000 (currently in a basic bank account) among savings, high-yield savings, and investments, and should I remarry my current boyfriend, knowing I would lose my ex-husband's Social Security benefits? Hosted on Acast. See acast.com/privacy for more information.

Impending Shutdown: The country is only “hours away” from a government shutdown, Partisan Blame: The responsibility for the shutdown is Democrats, particularly Senate Majority Leader Chuck Schumer and House Minority Leader Hakeem Jeffries. Republican Positioning: Republicans, including Donald Trump, Speaker Johnson, JD Vance, Tom Cotton, and John Thune, are portrayed as wanting a “clean funding extension” (a short-term budget measure) to keep the government open. Democratic Hypocrisy: The commentary highlights past Democratic statements opposing shutdowns, contrasting them with current positions to claim inconsistency. Accusations of Radicalism: Democrats are described as pushing a $1.5 trillion spending package that allegedly includes: Free healthcare for undocumented immigrants Funding for gender-affirming surgeries Open borders and Medicaid fraud Other “radical left” priorities Political Motivation: A recurring argument is that Schumer is resisting compromise to protect himself from a potential primary challenge by Rep. Alexandria Ocasio-Cortez. Consequences of Shutdown The episode also notes practical impacts of a shutdown, such as: Federal employees furloughed or unpaid Disruptions for TSA officers, military families, firefighters, veterans, and prison guards Delays in Social Security, SNAP, and WIC benefits Risks to disaster relief and FEMA funding Potential harm to the economy, including billions in costs and possible credit rating downgrades Please Hit Subscribe to this podcast Right Now. Also Please Subscribe to the The Ben Ferguson Show Podcast and Verdict with Ted Cruz Wherever You get You're Podcasts. And don't forget to follow the show on Social Media so you never miss a moment! Thanks for Listening X: https://x.com/benfergusonshowYouTube: https://www.youtube.com/@VerdictwithTedCruzSee omnystudio.com/listener for privacy information.