Podcasts about social security

Coach Pete and the crew turn market chaos into a simple plan—why guaranteed income is your shock absorber, how to outsmart volatility, and what to do when life throws curveballs. They tackle the emotions behind money, the real risk of living longer than your savings, and the surge in Social Security scams—with easy checks to keep you safe. Walk away with a clear, adaptable game plan that protects your lifestyle no matter what the market’s doing. Tune in and trade panic for a paycheck you can count on.See omnystudio.com/listener for privacy information.

Fast food restaurants like Wendy's are experiencing a slowdown in business The fast-food restaurant Wendy's is planning on closing hundreds of locations throughout next year because they continue to see a slowdown in spending from their customers. They said most of their low-income consumers are cutting spending and making fewer trips with smaller purchases at the restaurants. Wendy's increased prices after the pandemic at a higher rate than grocery stores and now other fast-food restaurants have begun to add value menus to keep customers coming back, but Wendy's has held firm and not created any values for their customers. Because of this they have seen their net income decline to $44.3 million from a year ago when it was $50.2 million. Over the past year the stock has declined from around $18 a share down to under $9 a share, which is a decline of 53%. With the reduction in the stock price, the dividend yield is now 6.5% and the company trades at 10 times earnings on a forward basis. This company may be worth looking into as an investment as within in the next 6 to 12 months we could see lower end consumers stabilize.   The affordability index for people buying a home is the worst in 50 years People may be excited about buying a home because mortgage rates are around the lowest they've been in over a year, but the affordability of a home is still far out of reach for many. The reason for this, and we have talked about this for the last few years, is that the increase in the price of homes has far outpaced the increase in people's income. The 50-year average for a price-to-income ratio is around four times, and it reached a low in 1999 of around 3.6 times. But with the rapid increase of homes over the last few years, the price to income ratio has climbed to slightly over five times. Also not helping are the increases in home insurance costs and property taxes. Back in the summer of 2019, when looking at households earning $75,000, nearly 50% of those people could afford to buy a home. Today, when looking at those same households earning $75,000, only 21% would be able to afford a home. Back in 2012, the home affordability index was over 200, but it has now been cut in half to just about 100 with no signs of improving any time soon. I believe it will probably take 3 to 5 years to correct itself. If you look back in history, the affordability index does not change overnight. What will happen is probably incomes will increase slightly over the next 3 to 5 years and maybe the price of homes will either stay the same or decline slightly, which would increase the affordability index. What this means for people buying a home today is you should not have any aspirations of a rapid increase in the value of your home. What caused the problem was during the pandemic mortgage rates dropped to lows not seen in 50 years and that pushed up demand and the prices for homes climbed at a rapid rate. I believe this scenario is extremely unlikely to play out again! The brokerage firm Robinhood looks more like a gambling platform than a brokerage firm Robinhood initially went public at $38 a share in 2023 and the stock then fell to under $10 a share. It has recovered nicely since then as it's now trading around $110 a share. What has caused this shift and the huge increase in the stock price? One big reason is that the company has really allowed major speculation for their investors. Starting off with crypto, they have allowed people to buy coins like BONK, Dogwifhat and Pudgy Penguins. Just when you think there's no way they could come up with anything more speculative, surprise; they have come up with an investment known as prediction markets and event trading. Somehow the regulators have let this slide or maybe since government agencies don't move that quickly, it just has not been addressed yet. It appears for investors on their app that you can predict what the outcome will be of a football game, politics, contracts over economics, even if aliens will exist on earth this year. Chief Brokerage Officer, Steve Quirk, says this is the fastest growing business we have ever had. Robinhood stock trades over 50 times projected earnings and is looking for about $4.5 billion in revenue, which is an increase of 53% over last year. The growth appears to be there for the company, but there is so much speculation and insane crazy things there is no doubt in my mind that in the future many people will lose more money than they ever thought was possible by speculating on crazy things rather than investing into good quality businesses. A fallout in those risky "investments" could hurt Robinhood's reputation, which I believe would be bad for long term growth.    Financial Planning: The Real Cost of Employer Coverage vs. Medicare When reaching age 65, sometimes there is the option to join Medicare or stay with an employer health insurance plan.  This is most common when a spouse retires after age 65 and they have the ability to join their spouse's work plan. When comparing the cost of coverage, there is a key difference in how each affects your tax bill. Premiums paid through payroll for employer-sponsored health insurance are pre-tax, meaning you avoid federal, state, and payroll taxes such as the 6.2% Social Security, 1.45% Medicare, and 1.2% CA SDI tax in California.  This is different from a 401(k) for example where contributions are only pre-tax from federal and state taxes. For someone in the 22% tax bracket, a $500 premium would be around $300 after the tax savings. Medicare premiums on the other hand are paid with after-tax dollars and are only tax-deductible for people who itemize and have total medical expenses exceeding 7.5% of AGI, which means very few retirees actually receive any tax benefit. Additionally, Medicare Part B and D premiums may be elevated due to higher levels of income because of IRMAA. Employer health insurance can vary in coverage and cost so at times Medicare may be a more comprehensive and cost-effective option, but it is necessary to compare the after-tax costs to be sure.   Companies Discussed: Cisco Systems, Inc. (CSCO), The Walt Disney Company (DIS), Spectrum Brands Holdings, Inc. (SPB), Maplebear Inc. (CART)

Send us fan responses! What if the “law” you feel crushed by is mostly contract—and you've been signing into it with your words, your paperwork, and your presence? We sit down with Don Kilam to pull apart the threads of child support, court process, and identity, and we follow the paper trail to where power really lives: status, trusts, and the private side of life.We start with a hard question: if there's no injured party, is it a crime—or is it commerce? From there, Don lays out how Title IV, Social Security, and public trust mechanisms shape how child support is enforced. He explains why public vs private isn't a slogan; it's a structural decision. Private families operate through trusts, foundations, and contracts they author. Public roles rely on statutes and policies designed for the general welfare. We explore making your name a business, using holding companies, and drafting operating agreements that function like constitutions for your entities.The conversation gets tactical. Affidavits, not emotions, move records. Unrebutted statements can become facts. Certified mail matters. Ask for delegation of authority. Keep everything as exhibits. We interrogate jurisdiction signals like flags and titles, discuss how labels can trap you into statuses you didn't intend, and walk through strategies that have led to case dismissals, reduced exposure, and better protection of income and assets. Don also shares why real wealth is time, health, and people—and why cash, silver, and trustees still matter when systems stall.If you've felt the system is a costume party you never meant to attend, this is your invitation to change clothes. Learn how to author your contracts, correct your status, and protect your family with practical tools and a clearer map of public vs private. If this episode challenges you or opens a new lane of thinking, subscribe, share it with someone who needs it, and drop a review with the topic you want us to unpack next.https://donkilam.com FOLLOW THE YELLOW BRICK ROAD - DON KILAMGO GET HIS BOOK ON AMAZON NOW! https://www.amazon.com/Cant-Touch-This-Diplomatic-Immunity/dp/B09X1FXMNQ https://open.spotify.com/track/5QOUWyNahqcWvQ4WQAvwjj?autoplay=trueSupport the showhttps://donkilam.com

Today's episode of the America's Work Force Union Podcast featured Jeff Stoffer, Director of Media and Communications at the American Legion. Stoffer discussed the Legion's advocacy during government shutdowns, efforts to combat scams targeting veterans, and the inspiring journey of a veteran-turned-entrepreneur – a feature story in the December issue of the American Legion Magazine. Rich Fiesta, Executive Director of the Alliance for Retired Americans, joined the America's Work Force Union Podcast to discuss a controversial Social Security disability rule, ongoing proposals to raise the retirement age and details about the Medicare open enrollment period.

In this episode we answer emails from Phil and Chris.  We discuss moving from target date funds to low-cost index funds, why equity diversification needs a value tilt, how managed futures replication mimics an index fund in that asset class, options collars versus simply holding less equity, momentum models trade-offs and regime risk, long Treasuries compared with STRIPS for rate sensitivity, why TIPS don't hedge portfolio-level inflation and practical ways to fight portfolio-level inflation with value-tilted stocks and alternatives.Links:Father McKenna Center Donation Page:  Donate - Father McKenna CenterMany Happy Returns Podcast Featuring Tyler:  How to Pick Your Perfect Portfolio, with Tyler from Portfolio ChartsPortfolio Charts Drawdowns Chart:  Drawdowns – Portfolio ChartsDMBF Video Re Dispersion of Recent Returns:  iMGP DBi Managed Futures Strategy ETF Update with Andrew Beer | October 2025Bernstein TIPS Article:  Riskless at Age 104 - Articles - Advisor Perspectives ("A bond fund manager recently related to me his difficulty in figuring out the role of TIPS in his portfolios. After fumbling for a reply, I realized that he was right: like Social Security, they don't occupy a formal slot in most folks' asset allocation. . . . TIPS should be kept mentally separate from the policy asset allocation as well.")Breathless Unedited AI-Bot Summary:Ever feel like your “set it and forget it” fund is quietly holding you back? We open the hood on target date funds and show how shifting to clear, low-cost index building blocks can recover real performance over the long haul. From there, we get practical about designing portfolios that don't just look diversified—they behave differently when markets sour. Think value tilts to counter mega-cap concentration, long-duration Treasuries for recession defense, and managed futures for trend-driven shock absorption.We also tackle the allure of complexity. Options collars can cap losses, but they cap gains too—and often mimic what you'd get by simply holding less equity and more diversifiers. Momentum strategies like GEM carry academic support, yet every rule set faces regime risk and behavioral hurdles. Rather than chasing perfect timing, we focus on roles: which assets hedge recessions, which fight inflation, and which compound steadily in normal times. That clarity helps you skip the noise and build sturdy allocations.On inflation, we cut through the myths. TIPS protect relative to nominal bonds, but they rarely shield an entire portfolio when inflation surges. If you want a real inflation response, look to assets with pricing power and trend sensitivity—managed futures, energy producers, and certain insurers—while reserving long Treasuries for growth shocks. We share why DBMF's replication approach acts like an “index” for trend following, how STRIPS such as ZROZ can replace some long bonds for targeted rate exposure, and why a global perspective makes U.S.-centric limiting beliefs easier to spot and drop.If you're ready to swap wrappers for transparency and replace clever tactics with durable structure, this one's for you. Follow the show, share it with a friend who's reconsidering their default fund, and leave a quick review so more investors can find these ideas.Support the show

Markets rise and fall—but not all cycles tell the same story. What do those ups and downs really mean for your investments?Scripture reminds us in Ecclesiastes 3:1, “To everything there is a season, a time for every purpose under heaven.” Just as God designed natural cycles—the sun, the tides, the seasons—financial markets also move through cycles. While less predictable, these patterns help us understand where we are in the investing journey and how to prepare wisely for what's ahead.According to Mark Biller, Executive Editor at Sound Mind Investing (SMI), the two most common market cycles are known as bull markets (when prices rise) and bear markets (when prices fall). But within those categories lie two distinct types of trends: cyclical and secular.Cyclical vs. Secular: What's the Difference?“The terms might sound fancy,” says Biller, “but they really describe short-term versus long-term cycles.”Cyclical markets are the short-term ups and downs—periods that might last a few months to a few years.Secular markets are the broader, long-term trends that can span decades—often between 10 and 40 years.Think of it like waves on the ocean. Cyclical markets are the smaller waves that move in and out, while secular markets are the larger tides that shape the shoreline over time.Learning from History: Market ExamplesFrom 1968 to 1982, the S&P 500 was essentially flat—a 15-year stretch where inflation eroded nearly 60% of investors' purchasing power. That's what economists call a secular bear market—a long-term period of little to no progress.Yet within that broader season, there were multiple shorter-term bull and bear cycles. Investors who recognized those patterns could navigate the market with more perspective and less panic.The same was true from 2000 to 2009, another decade of overall stagnation in U.S. stocks. “But even then,” Biller notes, “we saw two cyclical bear markets with a five-year bull market sandwiched between them.”The takeaway? Even in long-term downturns, some shorter-term opportunities and recoveries keep markets moving forward over time.Why It Matters—Especially for Bond InvestorsUnderstanding these cycles isn't just an academic exercise. “It's actually more helpful when it comes to bonds than stocks,” Biller explains.That's because bond markets move in much longer secular cycles. From 1982 to 2021, the U.S. enjoyed a 40-year secular bull market in bonds as interest rates steadily declined from 15% to near zero. But since 2020, that trend has reversed. “Interest rates have been rising again,” Biller says, “and that's led to negative returns for many bond investors over the last five years.”This shift could signal the beginning of a secular bear market for bonds—a long period in which rising interest rates make it harder for bonds to perform well.Rethinking the Classic 60/40 PortfolioFor decades, the “60/40” portfolio—60% stocks and 40% bonds—was the gold standard for balanced investing. But in today's environment, that mix may need to evolve.“At Sound Mind Investing (SMI), we've reduced our bond allocation to around 30%,” Biller explains. “We haven't abandoned bonds altogether, but we're diversifying beyond them.”That diversification includes strategies like:Dynamic asset allocation—adjusting investments as market conditions shiftGold and commodities—as hedges against inflationReal estate and energy stocks—for long-term growth potentialAlternative assets like Bitcoin (in small doses), to add further varietyBuilding a Portfolio That Endures Every SeasonWhether markets are bullish or bearish, cyclical or secular, the goal remains the same: build a portfolio that's resilient and rooted in wisdom.Biller's encouragement for long-term investors is simple:“We're not advocating for dramatic changes, but rather thoughtful diversification. The goal is to build portfolios you can stick with through every kind of market season.”That perspective echoes a deeper truth for believers: our ultimate security isn't found in market trends but in God's unchanging character. Markets may rise and fall, but His promises endure forever.Faith, Patience, and PerspectiveUnderstanding both short- and long-term market cycles helps us invest with patience, discipline, and faith—trusting that God is sovereign over every season, financial or otherwise.As Proverbs 21:5 reminds us, “The plans of the diligent lead surely to abundance, but everyone who is hasty comes only to poverty.”In every bull and bear market, we're called to plan wisely, give generously, and trust deeply—knowing that the One who holds the future also holds us.For more practical investing insights and biblical wisdom, visit SoundMindInvesting.org.On Today's Program, Rob Answers Listener Questions:I'm nearing retirement with no debt and some investment savings, but I don't have a pension. Would it make sense to use part of my investments to buy an annuity for guaranteed monthly income in addition to Social Security?I'm in my 70s, retired, and divorced, and much of my income goes toward alimony. How can I balance saving for emergencies while still giving more to the Lord's work, which I see as the greater reward?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Sound Mind Investing (SMI)Bulls and Bears, Cyclical and Secular (SMI Article by Mark Biller and Joseph Slife)SMI Dynamic Asset Allocation Model StrategyWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

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

Should you leave your Thrift Savings Plan (TSP) untouched, roll it to an IRA, or turn it into a lifetime income stream? In this episode, we break down the real-world pros and cons of each TSP retirement option so you don't accidentally trade away flexibility, tax control, or your spouse's future security. Most federal employees pick the “simple” choice with TSP—and it can quietly cost them in taxes and lost options later.

#SafeMoney #JonHeischmanSr #SocialSecurity #RetirementStrategiesIn this week's episode host Jon Heischman, Senior talks about several strategies including Social Security benefits as part of your overall retirement income and withdrawal plans.Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information

David converses with best-selling author David Bach about preventing burnout through sabbaticals, moving to another country, why retirees should take Social Security as early as possible, and Bach's idea of a flat tax on IRA distributions.Insiders Guide Email NewsletterGet our free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletterOur Premium ProductsAsset CampMoney for the Rest of Us PlusShow NotesDavid Bach's IRA Flat Tax IdeaRelated Episode506: Should You Retire Early and Live Outside Your Home Country? With Joshua SheetsSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Today's episode revolves around one of the biggest financial debates among pre-retirees and retirees: When should you take Social Security? Host David McKnight touches upon the recent debate of two of the smartest voices in the field – Dr. Laurence "Larry" Kotlikoff and Dr. Derek Tharp – on this exact question. Dr. Tharp, out of the University of Southern Maine, notes that economists commonly recommend delaying social security benefits until age 70. Boston University's Dr. Kotlikoff agrees and explains that delaying can give you a 76% higher monthly benefit compared to taking it at age 62.  Since Social Security is inflation-adjusted and guaranteed for life, it acts as longevity insurance. Hence, Dr. Kotlikoff thinks that waiting doesn't only help you but your loved ones too. Dr. Tharp isn't convinced: he points out that only about 10% of workers actually wait until age 70 to claim benefits. Overall, he sees studies that recommend delaying rely on overly conservative assumptions – they assume that retirees earn returns similar to Treasury inflation-protected securities. With this line of thinking, if your portfolio is earning 5% real returns instead of 2%, then delaying your benefits might not look as attractive mathematically… Dr. Kotlikoff cites Menahem Yaari's 1965 paper, which suggests looking at delaying social security like buying insurance. It protects you from the catastrophic risk of living too long and running out of money.  The debate continues with Dr. Tharp talking about the sequence of return risk.  If the market drops early in retirement and you're forced to withdraw more from your investments to delay Social Security, you can permanently damage your "nest egg". Even though he acknowledges Dr. Tharp's point, Dr. Kotlikoff points out that most retirees have options, such as continuing to work longer, cutting spending, downsizing, or borrowing temporarily instead of taking benefits early. Plus, he adds, the people most affected by sequence of returns risk are, generally, wealthier households… Dr. Tharp concludes the debate by citing a study showing that retirees tend to spend about 80% of predictable income streams like Social Security or pensions, but only about 50% of portfolio income. He also brings up Bill Perkins' book Die With Zero into the conversation. Perkins believes that Americans often focus too much on lifespan and not enough on health span. Dr. Kotlikoff responds by stressing that some people underspend, while others overspend… and that's exactly why there's a need for good planning software. For David, both Dr. Kotlikoff and Dr. Tharp make valid points, and it all boils down to a key question: how long are you going to live? If you're likely to die at 63, then you should probably take Social Security at 62. If you're going to live to age 100, it makes sense to wait until you're 70. While there's no accurate way to determine that, there's currently a group of people who are in the business of figuring that out: life insurance actuaries. David shares two reasons why you may want to consider the additional benefits of life insurance, especially Indexed Universal Life (IUL).       Mentioned in this episode: David's new book, available now for pre-order: The Secret Order of Millionaires David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track Tax-Free Income for Life: A Step-by-Step Plan for a Secure Retirement by David McKnight DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com

Jon posted a question in the More Than Money Facebook Group that set the trajectory for this episode. In it, Art dives into whether ministers should opt out of Social Security, how they can make the most of their housing allowance, and what “Trump Accounts” for kids are all about. Enjoy Jon's episode!Resources:8 Money MilestonesChristian Money HelpAsk a Money Question!

Many retirees think their financial habits will magically reset once they stop working, but financial therapist Kine Corder explains why that never happens. The money lessons you absorbed decades ago don't retire when you do. They show up in quiet ways — how you react to market swings, how much you help your adult kids, how nervous you feel about spending even when the math says you're fine. These patterns feel logical in the moment, but they usually come from old stories you didn't choose and never questioned. In this episode, Kine and Matt explore how those childhood beliefs, family dynamics, and subconscious fears shape retirement more than any investment decision. My website with more Medicare resources, books, courses, and more: https://prepareformedicare.com/?utm_source=youtube&utm_medium=social&utm_campaign=organic_descriptionI recommend my wife's Medicare insurance agency, but there's never any obligation or pressure to work with her team. Here's more information if you're interested: https://brickhouseagency.com/?utm_source=youtube&utm_medium=social&utm_campaign=organic_descriptionThe Matt Feret Show is about thriving in midlife, retirement, and beyond. Each week, Matt shares smart conversations on Medicare, Social Security, retirement planning, health, wealth, wellness, caregiving, and life after 50.Explore more episodes and sign up for The Matt Feret Newsletter: TheMattFeretShow.comNeed Medicare help? Book a no-obligation consultation: BrickhouseAgency.comWatch full episodes on YouTube: The Matt Feret ShowSubscribe on Apple, Spotify, or YouTube for more insights on wealth, wisdom, and wellness in retirement. Hosted on Acast. See acast.com/privacy for more information.

This week, Todd explains the similarities and differences between a revocable trust and a will. Todd also takes questions from the audience about depositing Social Security checks into a trust and managing real estate when heading to a nursing home.

I'm 61 with 150k Saved For Retirement, When Can I Retire?!?**Schedule your free virtual consultation

Economic Recovery & Inflation Control Trump inherited an economic crisis caused by Biden’s administration and Democratic policies. Inflation under Biden averaged ~5%, peaking at 9.1%, while under Trump’s second term it dropped to ~2.7%. Price declines in categories like groceries (eggs, butter, ice cream, etc.) and housing costs. Gas & Energy Prices Under Biden: highest gas prices in history, even after using strategic reserves. Under Trump: lowest average gas prices in 4+ years, with energy dominance expected to reduce costs further. Real Wage Gains Under Biden: workers lost $2,900 in purchasing power. Under Trump: real wages grew by $700 and projected to increase by $1,200 after the first full year. Tax Cuts & Deregulation Trump signed what is described as the largest tax cut in U.S. history, including: No tax on tips, overtime, or Social Security. De-regulatory efforts have saved Americans $180 billion collectively. Investment & Job Growth Trillions of dollars have been invested in U.S. operations, creating hundreds of thousands of jobs. States 1.9 million more American-born workers employed than when Trump took office. Tariffs are a driver for on-shoring and industrial investment. Trade Deals & Tariffs New trade agreements with Switzerland and exemptions for certain agricultural products. Tariffs are credited for bringing manufacturing and AI investments back to the U.S. 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.

We'll talk about practical ways to stretch retirement dollars-- such as adjusting withdrawals, delaying Social Security, integrating annuities, and managing market risk.Today's Stocks & Topics: Tyson Foods, Inc. (TSN), Market Wrap, VanEck IG Floating Rate ETF (FLTR), iShares 0-3 Month Treasury Bond ETF (SGOV), Don't Outlive Your Nest Egg: Strategies to Make Savings Last, Small Cap Stocks, WW International, Inc. (WW), Elon Musk's $1 Trillion Pay Package, Amdocs Limited (DOX), Federal National Mortgage Association (FNMA), Social Media.Our Sponsors:* Check out Gusto: https://gusto.com/investtalk* Check out Invest529: https://www.invest529.com* Check out Progressive: https://www.progressive.com* Check out TruDiagnostic and use my code INVEST for a great deal: https://www.trudiagnostic.comAdvertising Inquiries: https://redcircle.com/brands

You ever have something not be what expected it to be? Well, as a retirement planner who is helped over 100 clients, I have learned an important lesson that I think anyone who is preparing for retirement needs to understand.

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

Think identity thieves only target high income individuals, a bigger prize if you will? False. Identity thieves target anybody they think might fall for their scams. They'll keep coming up with new ways for unsuspecting victims to hand over personal and financial information. Keep listening to learn a little more about how thieves work to steal your identity, and a few things you can do to stop them in their tracks.   Links: FTC Consumer Sentinel Report Learn more about USPS Informed Delivery Service Monitor your Social Security account  Get identity theft protection with a Better Checking account Check out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union   Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.  Have you heard any of these following stories recently?  An elderly woman was scammed for tens of thousands of dollars, including the purchase of a vehicle and applications for multiple loans. (KSAT)  A young professional's stolen wallet resulted in reports of bad checks, dozens of new credit cards, false criminal charges, and more. (LA Times)   The NFL's number one draft pick Cam Ward was targeted by identity thieves, resulting in high interest loans, liens on his home, and more, resulting in $250,000 in fraudulent debt. (The Guardian)  These true stories are just a few examples of identity theft that could happen to anyone, regardless of your age, occupation, financial status, or where you live. In each case, the victims learned about the crime after their information was stolen and had already been used multiple times.   Identity theft occurs when someone steals another person's sensitive personal information and either uses it as their own or sells it on the black market for other perpetrators to use for financial gain or fraud. Identity theft has been making headlines for years; however, each and every year, thieves become more sophisticated. Staying in step with these criminal advances is a constant struggle for small business owners, corporations, and individual consumers alike. In spite of the work that is being done to keep our information safe, cases of identity theft continue to be reported at an alarming rate.   According to the Federal Trade Commission's Consumer Sentinel Report covering the full year of 2024, reported cases of identity theft have increased by over 584% in the last 20 years. Here are some other highlights from this report:  Last year, more than 2.6 million cases of identity theft were reported, and more than 1 in 3 people who reported a scam also reported losing money.  The median loss to fraud victims is almost $500, with total reported losses of more than $12 billion, an increase of more than 25% compared to 2023.  The most common type of identity theft is credit card fraud, which includes using stolen information to open a line of credit as well as using a legitimate card fraudulently.  Experts estimate that there is a case of identity theft every 22 seconds and that 33% of Americans will face this issue in their lifetime.  While safeguarding your personal information is key, so is knowing what to do if you find out that you have already become a victim of identity theft. First, you should know what red flags to watch out for, as time is of the essence when dealing with identity theft. The longer you wait to begin the recovery process, the more losses you risk facing. Early warning signs of identity theft can include:   Finding unknown charges on your credit card or bank statement. Receiving calls from collection agencies about debts you aren't aware of. Seeing unfamiliar withdrawals from your financial accounts. Receiving bills for items you didn't purchase or services you didn't request. Finding out that a tax return has already been filed in your name, prior to filing your own. Being unexpectedly denied on a loan application. Receiving notification of a line of credit that you did not open. Getting notifications or other information about government benefits or loans that you did not apply for.  If any of the above signs apply to you, they should be addressed immediately. For those of you who have a Triangle Better Checking account, you have access to dedicated Identity Theft Recovery Advocates who can help you assess what information has been compromised and assist in quickly taking steps to stop the damage and recover your identity, regardless of the type of identity theft or how it happened.  Once you have addressed the immediate issues surrounding the theft of your personal information, there are a few things you can do to help protect your identity in the future.   Regularly check your bills and financial statements. It's common practice for scammers to make small purchases or withdrawals first to see if they can get away with it before attempting larger purchases or loans. Notify your financial institution immediately if you see a charge that you don't recognize.   Use unique passwords for each of your online accounts. If a hacker obtains your password for one account, they will likely pair it with your name or email address on other sites to see what else they can gain access to. Consider using a trusted password service to help manage unique passwords for you. Changing your passwords regularly is another effective deterrent against scammers.    Collect your mail daily and pay attention to any recurring items, like bank and credit card statements, to make sure you don't miss any. Some thieves take envelopes containing s;pppp00oensitive information out of mailboxes. If you are away from your home for an extended period of time, notify the postal service to hold your mail while you are gone. It is also a good idea to enroll in USPS Informed Delivery, a free service from the postal service that shows you preview images of incoming mail, plus status updates about your incoming and outbound packages.   Monitor your Social Security account. Set up a free account with the Social Security Administration to help ensure your Social Security number isn't fraudulently claimed by someone else.   Identity theft can happen to anyone, and its effects can range from a small annoyance to financial devastation. The best protection is prevention, but if your information is used without your knowledge, we are standing by to help. If you are a Better Checking account holder and you think that you might be a victim of identity theft, contact the friendly staff at Triangle and we will put you in touch with a professional Identity Theft Recovery Advocate.  If there are any other tips or topics, you'd like us to cover, let us know at tcupodcast@trianglecu.org.  Like and follow our Making Money Personal FB and IG page and look for our sponsor, Triangle Credit Union on social media to share your thoughts.   Thanks for listening to today's Money Tip Tuesday and check out our other tips and episodes on the Making Money Personal podcast.   Have a great day! 

Joe Quinlan, head of market strategy for Merrill Lynch and Bank of America Private Bank, says that the U.S. consumer higher-income households "are in great shape heading into 2026," and so long as the Boomers continue spending, the economy and stock market can roll along. Quinlan says that the economy can avoid a recession if the Federal Reserve can avoid policy mistakes, if the U.S. stays out of a difficult trade war and if the extraneous factors mostly stay at bay. Given what the market has weathered in 2025, Quinlan says there is reason to believe the rally can continue, even if results are muted a bit compared to the equity returns of the last three years. Chris Vermeulen, chief market strategist at The Technical Traders, says that investors should not be fighting current trends, but they should be getting cautious in a market where there's not a lot of upside left this year. He expects January to be a telling month for whether the rally can carry deep into 2026, and says that investors looking for bigger gains can still get in on the gold rally, which Vermeulen says still has 25 to 30 percent upside from current levels.   Sandra Block, contributing editor at Kiplinger talks about what she learned about dental care for retirees as she made her own transition toward retirement earlier this year, and the choices consumers face as they weigh Medicare options. And Mark Hamrick discusses a recent BankRate.com survey which found that about half of working American adults expect to be reliant on Social Security benefits to handle necessary expenses when they retire, but more than three-quarters of that working population worries that their promised benefits won't be paid when they reach retirement age.

It's the ultimate financial nightmare. Kristin Collier, a young student in Minnesota, woke up one morning to discover that her mother had taken out $200,000 in Kristin's name. Collier tells this story in What Debt Demands, a book about America's student debt crisis that is both personal and political. Collier, who proudly defines herself as a “democratic socialist”, believes that student debt is a form of modern American serfdom. So what to do? She argues for massive debt cancellation, free public higher education funded by taxes on stock trades, and restoring bankruptcy protections that existed before 2005. But with the average American now carrying $105,000 in debt and one in four households living paycheck to paycheck, can any political initiative—a Mamdani democratic socialist style or otherwise—actually address this crisis before it triggers a nightmarish financial crisis in the broader economy?1. Student Debt Has Become Inescapable Serfdom Since 2005, student loans—both federal and private—are nearly impossible to discharge through bankruptcy. Borrowers must meet an “undue hardship” standard so stringent that people are literally having their Social Security payments garnished in retirement to pay off loans taken out at age 20. Unlike mortgages or credit card debt, education debt follows you for life.2. Private Student Lenders Operate Like Subprime Mortgage Predators During the mid-2000s, banks offered “direct consumer private loans” up to $30,000 with no school certification required, transferred straight to bank accounts, with interest rates of 10-12%. A $30,000 loan could balloon to $100,000. Collier's mother was able to take out eight separate loans totaling $200,000 using only a Social Security number and forged signature—the system had no safeguards because lenders prioritized profit over verification.3. Biden's Big Moves Failed, But Smaller Wins Succeeded Biden's signature executive action to cancel $10,000-$20,000 in federal student debt (which would have freed 20 million borrowers) was blocked by courts, as was his generous SAVE income-driven repayment plan. However, his reforms to Public Service Loan Forgiveness, existing income-driven repayment programs, and borrower defense protections have canceled billions in debt—demonstrating that incremental administrative changes work better than bold executive action in our current legal landscape.4. The Debt Crisis Extends Far Beyond Students With average American consumer debt at $105,000 and one in four households living paycheck to paycheck, we're potentially heading toward systemic economic collapse. The issue isn't just student loans—it's medical debt, rental debt, and a broader affordability crisis. Collier's organization, the Debt Collective (born from Occupy Wall Street), treats this as a collective action problem requiring a union of debtors across all categories.5. Debt Creates Psychological Haunting, Not Just Financial Burden Collier describes debt as both “presence and absence”—a constant bodily heaviness and dread. She feared her credit card would be rejected at grocery stores, dreaded checking her bank account, assumed every unknown phone number was a debt collector. This shame is culturally reinforced: Americans are taught that unpayable debt reflects personal moral failure, even when the system itself is predatory. One borrower told her he avoided dating entirely because he was too ashamed to reveal his debt burden.Keen On America is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit keenon.substack.com/subscribe

The US Congress approves publishing Jeffrey Epstein's documents, with the House voting 427-1. The PP denounces that the UCO report links illegal commissions to Pedro Sánchez's top collaborators, demanding his resignation. VOX, along with other parties, boycotts the 50th anniversary of the monarchy's restoration. María Corina Machado presents a manifesto for a transition government in Venezuela. COPE highlights social exclusion in Spain, where over 9 million people are affected. A report details the work of the San Juan de Dios parish in Vallecas and a kitchen in Gijón, aiding vulnerable individuals like Kimberly and Georgiet, who later become volunteers. The government approves a record spending ceiling of 216 billion euros, but the path to stability faces rejection. Pension sustainability is a concern, with 23 billion euros transferred to Social Security. The economy's growth forecast is 2.9%, with positive impacts on citizens' daily lives, despite rising housing costs and high ...

Is your retirement income really keeping up with inflation, or are you just treading water? This episode dives into the reality behind Social Security’s cost-of-living adjustment, the hidden impact of rising Medicare costs, and the risks and rewards of investing in gold and other assets. Kevin Madden breaks down how to stretch every dollar, assess your risk, and build a retirement plan that delivers confidence and guaranteed income—so you can enjoy life’s big moments without financial stress. Get Your Complimentary Retirement Roadmap Your roadmap will include: A retirement income strategy A test to see how long your money will last A tax-planning strategy See omnystudio.com/listener for privacy information.

Unlock the most overlooked Thrift Savings Plan (TSP) strategies for federal retirees! This video covers three powerful—but often missed—TSP retirement options that can increase your financial security. Discover:The unique benefits and risks of TSP annuitizationSmart TSP withdrawal strategies for lasting retirement incomeHow to avoid costly mistakes with TSP rolloversWhether you're a federal employee or near retirement, you'll get actionable insights to make confident decisions for your future.

Social safety nets have existed in one form or another since the Middle Ages, but no government entitlement program has touched more people or enjoyed more longevity than Social Security. On this edition of our MoneyTalk Moment in Financial History, Nathan takes us through the events that led to the unlikely passing of the Social Security program, and why it's been so critical to the ongoing welfare of our nation. Host: Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 11/12/2025; Original Air Date: 8/9/2023. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

Think you’re diversified? You might be risking more than you realize. This episode JoePat Roop & Taylor Lee unpacks why true diversification goes beyond owning a mix of stocks and bonds, highlighting the critical roles of tax planning, principal protection, and personalized risk analysis as you approach retirement. Discover how a comprehensive plan—covering taxes, Social Security, Medicare, and estate strategies—can help you avoid costly mistakes and navigate market uncertainty. Whether you’re seeking a second opinion or want to ensure your savings last, this conversation reveals what most financial advisors miss when it matters most. For more information or to schedule a consultation call 704-946-7000 or visit BelmontUSA.com! Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Are you spending more to save more—and is it costing your retirement? This episode dives into “spaving,” the sneaky habit of overspending in the name of saving, and how it can quietly erode your nest egg. Host Steve Anzuoni unpack hidden fees, smart saving strategies, and the emotional side of retirement decisions. Plus, hear insights from rock legend Robin Zander of Cheap Trick on why staying passionate keeps you young. Tune in for practical tips and real stories to help you retire with confidence. SCHEDULE A MEETING OR PHONE CONSULTATION TODAY! Get a Copy of Steve's Book - Tee Up Your Retirement! Social Media: Facebook I LinkedIn I Instagram I YouTube See omnystudio.com/listener for privacy information.

Ethan Glasgow dives into why emotional control is critical during market volatility and shares actionable strategies for building a secure retirement plan. From mitigating inflation risks to understanding Social Security, he addresses common fears about outliving your savings. Discover why trusting the financial planning process and working with a professional can help you navigate uncertainty with confidence. As the founder of Ashton and Associates, Abe Ashton has more than 20 years of financial planning experience helping thousands of families in Utah, Nevada, and across the country retire with confidence. Abe’s mission is to provide client-focused education and solutions to seniors and retirees, that help them achieve the retirement they’ve worked so hard for. To get more information on Ashton & Associates, or to schedule a consultation call, 435-688-9500 or visit AshtonWealth.comSee omnystudio.com/listener for privacy information.

They don't teach this in school. They don't want you to know this. But I'm about to expose the Social Security secret that could cost you $182,000.90% of Americans are making this ONE mistake - and it's keeping them broke in retirement while making the system rich.In this video, I'm revealing:• The exact age that changes EVERYTHING (hint: it's not 65)• Why what you've been told about Social Security is backwards• The simple math that could put an extra $182,000 in your pocket• What's really happening in 2034 (and why you shouldn't panic)• 3 strategies the wealthy use that nobody talks aboutThis isn't about retirement. This is about WEALTH.⏰ GOING LIVE: Monday at 10:00 AM EST - Set your notifications ON!

A listener's nightmare 401(k) story sparks a deep dive into how small employers can delay, misuse, or even lose employee retirement contributions before they ever reach the plan custodian. Don and Tom explain the Department of Labor's weak enforcement, why small plans are most vulnerable, and what workers must do to protect themselves. Then the show tackles backdoor Roth timing rules, Social Security “worst-case” planning, the appeal (or lack of) of mid-cap ETFs, and how to unwind a hodgepodge portfolio without triggering massive tax bills. :04 When employers steal 401(k) contributions before depositing them 1:42 The WSJ case: three-year hunt for missing contributions 3:02 Why small employers are the highest-risk group 5:02 DOL enforcement loopholes and the “administratively feasible” dodge 7:04 What to do if your contributions never show up 8:09 Fidelity bonds, audits, and how recovery really works 9:39 Big-company plans vs. small plans 10:36 Inside the Amazon layoff notice fiasco 11:54 Listener question: timing a backdoor Roth in 2026 for the 2025 tax year 13:40 The Form 8606 trap and pro-rata consequences 15:03 Listener question: Should you assume Social Security cuts in your plan? 16:41 Why benefits probably won't be cut—even though the system needs fixing 18:04 Listener question: Should anyone buy a mid-cap ETF? 18:46 Why good portfolios already own plenty of mid-caps 19:36 Listener question: Fixing 20 years of hodgepodge-itis at age 72 21:22 Taxes, capital gains, and the slow cleanup strategy 23:52 Why Wellington and Wellesley don't fit a modern portfolio 25:20 Personal banter: vacations, spending guilt, and sci-fi Learn more about your ad choices. Visit megaphone.fm/adchoices

Social Security has been, over the years, a slowly expanding support prop for the US economy. Confluence Chief Market Strategist Patrick Fearon-Hernandez joins Phil Adler to discuss the impact of the Social Security cost of living adjustment for 2026.

In this episode, Gregory Ricks is joined by Dwayne Stein, host of Mortgage Gumbo, to discuss why waiting to buy a home could end up costing you more and what a proposed 50-year mortgage plan could mean for home-buyers. Then, Gregory gives tips on how to make sure you don't outlive your retirement savings.For financial news talk radio, tune into "Winning at Life with Gregory Ricks" on Saturday Mornings on:WRNO-News Talk 99.5 FM New Orleans - 10 am - 1 pmWBUV-News Talk 104.9 FM Biloxi - 10 am - 1 pmORFor financial news talk ON DEMAND, tune into the Ask Gregory Podcast for more financial topics that may interest you! Visit: https://gregoryricks.com/podcast/Download the Winning at Life app to never miss a replay!Investment Advisory products and services made available through AE Wealth Management, LLC or registered investment advisor, insurance products are offered through the insurance business Gregory Ricks and Associates, Incorporated AE wealth management does not offer insurance products, the insurance products offered by Gregory Ricks and Associates incorporated are not subject to investment advisor requirements. Investing involves risk, including the potential loss of principal, any references to protection, safety or lifetime income generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying ability of the issuing Carrier. This radio show was intended for informational purposes only. It is not intended to be used as the sole basis for a financial decision, nor should it be construed as advice designed to meet the particular needs of an individual situation. Gregory Ricks and Associates is not permitted to offer and no statement made during the show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the US government or any governmental agency. The Information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Gregory Ricks and Associates. Please remember that converting an employer plan account to a Roth IRA is a taxable event. Increased taxable income from the Roth IRA conversion may have several consequences, including, but not limited to a need for additional tax withholding or estimated tax payments, the loss of certain tax deductions and credits and higher taxes on Social Security benefits and higher Medicare premiums. Be sure to consult with a qualified tax advisor before making any decisions regarding your IRA. Neither AE Wealth Management nor advisors providing investment advisory services through AE Wealth Management recommend or facilitate the buying or selling of cryptocurrencies. Third parties and guests of the show are not affiliated with nor do their opinions reflect those of Gregory Ricks and associates or AE wealth management. Ae Wealth Management provides services without regard to political affiliation. And the views of individual advisors are not necessarily the views of AE Wealth Management.

Discover how understanding economics can empower everyday Americans. Howard Yaruss joins Betsy Wurzel to explain inflation, Social Security, Medicare, and the financial myths shaping our daily lives.In this enlightening episode of Chatting with Betsy, host Betsy Wurzel talks with Howard Yaruss — economist, professor, attorney, businessman, and author of Understandable Economics. Howard breaks down how our economic system works in simple, practical terms that every American can understand. Together, they explore some of the biggest myths in today's conversations about money, including whether Social Security and Medicare are really “running out of money,” why inflation happens, and what causes shrinkflation.Howard explains why billionaire Warren Buffett pays a lower tax rate than his secretary, how recessions develop, how national debt works, and why consumer spending is the true engine of job creation. Howard believes economic literacy gives people real power to understand policies that affect their daily lives. As he notes, “Our politicians work for us — we are their employers.” Betsy shares that Understandable Economics is the first economics book she has ever read, and she found it eye-opening and easy to understand.Betsy highly recommends it for anyone — high school and up — who wants to understand the world around them in clear, everyday language. Learn more about Howard Yaruss, his book, and his work at his website or on Amazon and Barnes & Noble.

Forget the race for the biggest Social Security check. The real question isn't how high your benefit can go, it's how well it fits your life, taxes, and long-term plan.In this episode, James breaks down how the timing of your claim shapes everything: portfolio resilience, tax efficiency, survivor benefits, and the freedom to retire when you want, not when the system says you should.Starting with the foundation (your 35 highest earning years) we unpack what really happens when you claim early, wait for full retirement age, or delay until 70. You'll hear how each path affects your taxable income, Roth conversion opportunities, and even the size of your surviving spouse's check.It's not about chasing an 8% “return” on delay; it's about coordination. For those with meaningful savings in 401(k)s or IRAs, waiting can unlock a powerful tax window that permanently lowers RMDs. And for those still working or navigating a market downturn, claiming early can sometimes protect your portfolio from harmful withdrawals.By the end, you'll see how aligning Social Security with your health, income sources, and retirement goals builds an income floor that funds confidence, not just checks.-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!

On this week's Money Matters, Scott and Pat take a call from a listener sitting on a $9 million nest egg—$4.5 million in a taxable account, $3 million in Roth, and $1.6 million in a traditional IRA. He doesn't need more growth, he's not worried about his own retirement, and now he's asking: Should we start helping the kids financially now, or wait? The twist? His kids don't want the money—and he doesn't want to mess up their independence. It's a real-world conversation about smart gifting, capital gains strategy, and how to share your wealth without regret. Then, a 62-year-old federal employee calls in with over $1 million in her federal retirement account, a pension on the way, and rental income—but she's also stuck with a 7% mortgage on one of her properties. Scott and Pat explore whether she should draw from her savings, start Social Security, or consider a charitable remainder trust to maximize income and minimize taxes. 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.

Jim and Chris discuss listener questions on Social Security claiming timing with a listener PSA on application details, Social Security earnings rules at FRA, estate planning organization systems, and restrictions for annuity payments. (15:30) Georgette shares a PSA about the Social Security application process and asks whether applying for benefits to start the month she […] The post Social Security,Estate Planning PSA, Annuity Payments: Q&A #2546 appeared first on The Retirement and IRA Show.

In 2015 the Met began what was known as an evidentiary review into claims that Prince Andrew had sexual contact with Virginia Giuffre when she was 17, while she was trafficked by Jeffrey Epstein and his associate Ghislaine Maxwell. The review concluded in 2021 with the Met announcing it would take no further action.In October 2025 new allegations emerged that Andrew may have sought to use a Met-assigned bodyguard (a close protection officer) to dig up information on Giuffre—including her date of birth and U.S. Social Security number—to find a supposed criminal record. The Met stated it was “aware of media reporting and actively looking into the claims made.”To contact me:bobbycapucci@protonmail.comBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-epstein-chronicles--5003294/support.

Today, in our 199th episode, I dive into some timely updates on Social Security and answered a batch of long-overdue listener questions. We kick things off with the newly announced 2.8% cost-of-living adjustment (COLA) for Social Security benefits starting January 2026. While that sounds like good news, I cautioned listeners not to celebrate too quickly.  Medicare Part B premiums are expected to rise by 11.6%, or about $21.50 per month, which will eat into that COLA, leaving most recipients with a net increase of only around $34.50. I argue that announcing the Social Security COLA a month before Medicare premiums is misleading and suggested both should be released simultaneously to give retirees a clearer picture of their actual income changes. I also highlight the increase in the Social Security earnings limit, which will rise from $176,100 in 2025 to $184,500 in 2026 (a 4.77% jump).  This means higher earners will contribute more to Social Security before hitting the cap. On a brighter note, the stock market has been performing exceptionally well in 2025, with major indices like the S&P 500, NASDAQ, and international markets all posting double-digit gains. At Retire Strong Financial Advisors, we're seeing more people seeking second opinions on their retirement plans, especially as their 401(k)s and 403(b)s hit all-time highs.  I wrap up the episode by tackling some fantastic listener questions and reminding everyone to check out our free resources and YouTube channel for more retirement planning insights. You will want to hear this episode if you are interested in... (00:00) Intro. (00:27) Social Security Updates. (11:28) Roth Conversions Explained. (19:53) 401k Management Fees. (21:14) Retirement Planning for Couples. (27:19) Annuity Product Warnings. (31:07) Retirement Withdrawal Strategies. Breaking Down Roth Conversions and 401(k) Management Options  One listener, JB, asked a great question about Roth conversions, so I took the opportunity to break it down from the basics. A Roth conversion involves moving money from a pre-tax account like a traditional IRA or 401(k) into a Roth account, paying taxes on the converted amount now so it can grow tax-free in the future. This strategy can be especially powerful for those whose retirement savings are heavily concentrated in pre-tax accounts. However, it's not a one-size-fits-all solution. Roth conversions can trigger higher taxes on Social Security benefits, push you into a higher tax bracket, or increase your Medicare premiums.  There's also the five-year rule to consider, which can limit when you can access the converted funds. That's why I always recommend working with a fiduciary financial planner or tax advisor to determine if it's the right move. Another listener, Kelly, asked about paying Financial Engines to manage her 401(k). I explained that these services are optional and you can opt out and manage your own portfolio if you're comfortable. But if you're receiving personalized advice and planning, the fee might be worth it. Big Savings, Bigger Risks: Why Planning Matters Then we heard from Gary, who's 60 and married to Linda, who's 52. He's saved over $2 million mostly in a pre-tax 401(k) and has a pension that won't begin until age 65. Linda works part-time, and with their eight-year age gap and no clear Social Security strategy, there are several risks they need to address. If something were to happen to Gary, Linda wouldn't be eligible for survivor Social Security benefits until she turns 60, and the tax burden on their pre-tax savings could be significant for the surviving spouse. Other unknowns like their debt, health insurance plans before Medicare, and pension survivorship options will add more complexity.  Life insurance and relocation plans are also critical factors that could impact their long-term financial security. I emphasized the need for a comprehensive retirement plan to help them navigate these issues. On a related note, I addressed a listener's question about annuity sales pitches at steak dinner seminars. While annuities can have a place in a portfolio, they're often sold with high fees, surrender penalties, and limited liquidity. I've seen too many people regret these decisions, so I always urge caution that if someone's buying you dinner, they're probably trying to sell you something. Retirement Education Without the Sales Pitch That's why we do retirement education differently. Our seminars are held at local libraries, no fancy dinners, no alcohol, and absolutely no product pitches. We're there to educate, not sell. This approach ties into Cindy's excellent question about which retirement account to withdraw from first. She has a mix of accounts, 401(k), Roth, and a stock account she hopes to leave to her kids, and she's unsure how to begin her decumulation strategy. This is a crucial decision, and unfortunately, many people get it wrong.  The old "conventional wisdom" of spending taxable accounts first, then pre-tax, then Roth, no longer holds up. Tax laws have changed, required minimum distribution ages have shifted, and future tax rates are uncertain. Your withdrawal strategy should be customized based on your income sources, Social Security timing, investment types, and long-term tax impact. Some accounts may generate income through dividends and interest, while others are better suited for long-term growth. The goal is to create a strategy that supports a successful retirement while minimizing your lifetime tax bill. Cindy's question was so important, I even made a YouTube video on it, "Retirement Withdrawal Strategy", which has become one of our most popular resources. Resources & People Mentioned 3 Steps to Retirement Planning BEST Withdrawal Strategy | Where Should You Pull Funds from First? Connect With Gregg Gonzalez Email at: Gregg.gonzalez@lpl.com Podcast: https://RetireStrongFA.com/Podcast Website: https://RetireStrongFA.com/ Follow Gregg on LinkedIn Follow Gregg on Facebook Follow Gregg on YouTube Subscribe to Retirement Made Easy On Apple Podcasts, Spotify, Google Podcasts

How big is the divide between different age groups? In this inaugural episode of a new Open to Debate series, “Generational Divides,” Reason's editor-at-large Nick Gillespie brings together a Baby Boomer, a Gen X-er, and a Gen Z-er to discuss Social Security benefits and how they'll affect future generations, homeownership, and 1950s nostalgia, where they examine the cultural and economic shifts occurring around intergenerational wealth and how each generation views money, opportunity, and the American Dream.  Our Guests:  For Baby Boomers: Joe Nocera, Deputy Managing Editor at The Free Press  For Gen X: Stacey Vanek Smith, Journalist and Reporter; Co-host of "Everybody's Business" at Bloomberg Business   For Gen Z: Kyla Scanlon, Financial Content Creator, Economic Commentator and Author of "In This Economy?"  Nick Gillespie, Editor-at-Large at Reason, is the guest moderator.    Visit our Substack to watch more insightful debates and subscribe to our newsletter.   Learn more about your ad choices. Visit podcastchoices.com/adchoices

It's one of the most valuable things we have—and one of the easiest to waste. We've all heard the saying, “Time is money.” But if that's true, why do we spend it so carelessly? The truth is, time is worth far more than dollars and cents—it's the most limited resource God has given us. Learning to steward it well isn't just good productivity advice—it's an act of worship.If you've ever said, “I just need a little more time,” you're not alone. Many of us feel the pressure of time slipping through our fingers. Ironically, we often spend our days chasing money, status, or success—only to run out of the very thing we were trying to “buy back.”We treat time like a renewable resource when it's really more like a savings account that's constantly being drawn down. Every hour that passes is one you'll never get back. Yet our culture tempts us to equate our worth with how much we earn or produce.A Biblical View of TimeScripture offers a radically different view. In Psalm 90:12, Moses prays, “Teach us to number our days that we may get a heart of wisdom.” He's not talking about counting hours on a clock but realizing that our time is limited—and therefore deeply valuable.From a biblical perspective, time isn't ours to manage however we wish. It's a gift from God, entrusted to us for His purposes. Just as money and talents belong to Him, so does our time.In Ephesians 5:15–16, Paul writes, “Look carefully then how you walk, not as unwise but as wise, making the best use of the time, because the days are evil.” The original Greek phrase for “making the best use” literally means “redeeming the time”—buying it back for God's glory. It's the same word Paul uses elsewhere to describe what Jesus did for us on the cross.Christ redeemed us from sin and emptiness, giving our lives eternal meaning. In the same way, we're called to redeem our time—to invest every moment, conversation, and decision in what will last forever.Here's the catch: if you don't decide what your time is worth, someone else will. Your job, your phone, your inbox, even social media—all have plans for your time. Unless you set boundaries, your days will fill up with things that seem urgent but aren't truly important.Jesus modeled something completely different. Even with the most important mission in history, He took time to rest, pray, eat with friends, and be fully present with people. He had the margin to be interrupted—to stop for the sick, listen to the hurting, and teach those who were searching. He never rushed, yet He always fulfilled the Father's will.How to Steward Your Time WellSo how can we live as if our time truly belongs to God?1. Reevaluate Your PrioritiesEvery decision is a trade. When you say yes to one thing, you say no to something else. Ask yourself, “What matters most in God's eyes—and am I giving that my best time?”2. Measure Time by Meaning, Not MoneyOur culture values time by dollars per hour, but God's economy works differently. A quiet afternoon encouraging a friend may not pay in cash—but it yields eternal dividends. As Jesus said, “Seek first the kingdom of God and His righteousness, and all these things will be added to you.”3. Build Margin into Your LifeJust as financial margin creates freedom to give, time margin allows you to live generously. When you're not overscheduled, you can pause to listen, serve, or rest. Sabbath isn't wasted time—it's holy time that reminds us that God is in control.4. Steward Small MomentsEternal impact isn't found only in big events. It's in the five minutes you pray for someone, the ten minutes you spend in Scripture, or the conversation that points someone to Jesus. As Colossians 3:17 reminds us, “Whatever you do, in word or deed, do everything in the name of the Lord Jesus.”Making Your Hours Count for EternityWhen you see your time through an eternal lens, every moment takes on new meaning. You stop chasing the clock and start cherishing what truly matters. Missionary C.T. Studd once wrote, “Only one life, 'twill soon be past; only what's done for Christ will last.”So what's your time really worth? It's worth exactly what you invest in eternity.Don't just count your hours—make your hours count. Live intentionally. Rest purposefully. Serve generously. And let every day remind you of the One who holds all time in His hands.On Today's Program, Rob Answers Listener Questions:I have two kids—a 14-year-old and a newborn—and just opened brokerage accounts for them. What are the best investment options, especially for my newborn with a longer time horizon? I'd like something more flexible than a college savings plan.I retired at 59 and receive Social Security disability. My home is paid off, I have no debt, and I have savings in retirement and trading accounts. I'm thinking about buying a new car with cash to avoid debt, but would it be wiser to finance or lease instead?I recently bought an RV with dealership financing at 7.9% for 20 years, though I don't plan to keep it that long. Does simple interest work the same across all banks, and is there a good calculator for figuring out principal payments on early payoff? Also, where could I refinance to get a lower rate?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Calculator.net | Credit Karma (Simple Loan Calculator) | Calculator SoupList of Faith-Based Investment FundsWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Episode 25 of The Basic Income Show!patreon.com/scottsantensChapters:00:00 South Korea's huge rural basic income pilot experiment14:05 The Guaranteed Income Pilot Program Act26:30 Miracle Money Experiment Results46:56 Zack Polanski asks Richard Murphy about UBI1:10:21 Baltimore Young Families Success Fund results1:21:07 Hamburg, Germany votes against a UBI pilot1:24:20 TEDEd video about GiveDirectly's cash giving1:38:04 Customers are the real job creators1:41:09 How much wealth is too much wealth?In this episode of The Basic Income Show, Scott Santens, Josh Worth, and Conrad Shaw break down one of the biggest basic income stories in the world right now: South Korea's massive rural basic income pilot covering more than 200,000 people. They dig into how the “local love” voucher design works, why it targets rural counties instead of cities, and how funding it from solar and wind profits creates a clean-energy dividend model that looks a lot like a permanent UBI fund. From there, they turn to the newly reintroduced U.S. “Guaranteed Income Pilot Program Act of 2025,” led by Rep. Bonnie Watson Coleman, and explain why tying payments to the local cost of a two-bedroom apartment risks becoming a landlord subsidy rather than a scalable universal basic income. The conversation hits core design questions: per-person vs per-household payments, including or excluding seniors on Social Security, and why calibrating UBI to cost of living can undermine competition between high-rent cities and cheaper regions. The hosts then unpack fresh randomized-control-trial evidence from Miracle Money California's $750/month cash transfers to people experiencing homelessness, alongside results from the Baltimore Young Family Success Fund, which gave young parents $1,000/month for two years.Show links:https://www.scottsantens.com/its-time-to-walk-the-walk-for-universal-basic-income-ubi/https://www.youtube.com/watch?v=_gTgloPR0Awhttps://www.guaranteedincomeworks.org/data-from-baltimore-mdSee my ongoing compilation of UBI evidence on Bluesky:https://bsky.app/profile/scottsantens.com/post/3lckzcleo7s24See my ongoing compilation of UBI evidence on X: https://x.com/scottsantens/status/1766213155967955332For more info about UBI, please refer to my UBI FAQ: http://scottsantens.com/basic-income-faqDonate to the Income To Support All Foundation to support UBI projects:https://www.itsafoundation.orgSubscribe to the ITSA Newsletter for monthly UBI news:https://itsanewsletter.beehiiv.com/subscribeVisit Basic Income Today for daily UBI news:https://basicincometoday.comSign up for the Comingle waitlist for voluntary UBI:https://www.comingle.usFollow Scott:https://linktr.ee/scottsantensFollow Conrad:https://www.linkedin.com/in/conradshaw/Follow Josh:https://www.linkedin.com/in/joshworth/Special thanks to: Gisele Huff, Haroon Mokhtarzada, Steven Grimm, Bob Weishaar, Dorothy Krahn, Judith Bliss, Lowell Aronoff, Jessica Chew, Katie Moussouris, David Ruark,Tricia Garrett, A.W.R., Daryl Smith, Larry Cohen, John Steinberger, Philip Rosedale, Liya Brook, Frederick Weber, Dylan Hirsch-Shell, Tom Cooper, Robert Collins, Joanna Zarach, Mgmguy, Albert Wenger, Andrew Yang, Peter T Knight, Michael Finney, David Ihnen, Steve Roth, Miki Phagan, Walter Schaerer, Elizabeth Corker, Albert Daniel Brockman, Natalie Foster, Joe Ballou, Arjun ,' @Justin_Dart , Felix Ling, S, Jocelyn Hockings, Mark Donovan, Jason Clark, Chuck Cordes, Mark Broadgate, Leslie Kausch, Braden Ferrin , Juro Antal, centuryfalcon64, Deanna McHugh, Stephen Castro-Starkey, Tommy Caruso, and all my other patrons for their support.If you'd like to see your name here in future video descriptions, you can do so by becoming a patron on Patreon at the UBI Producer level or above: https://www.patreon.com/scottsantens/membership

What happens when "we" suddenly becomes "me"? In this episode, Patti Brennan and Chief Planning Officer Eric Fuhrman sit down to discuss one of life's most difficult transitions — becoming suddenly single. Whether through loss or divorce, this chapter brings both emotional and practical challenges that can feel overwhelming. Patti and Eric talk about the "fog of trauma," the importance of giving yourself grace, and the steps to take now, soon, and later. From understanding hidden financial costs to navigating Social Security, grief, and identity shifts, this episode offers compassionate guidance for anyone facing life after partnership — and reassurance that you don't have to walk through it alone.

Writer–investor Mel Mattison joins The Last Trade to break down why sub-$100K BTC could be the launchpad for a +50% move — driven by a liquidity flip, fiscal stimulus, and central banks cornered by debt. Gold, Bitcoin, and the coming debasement trade — explained. Get Onramp's weekly Research & Analysis → https://onrampbitcoin.com/research---

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Chris's SummaryWith Jim away this week, I review the 2026 Social Security changes from the recently released SSA Fact Sheet covering the 2.8% COLA, the new taxable maximum, quarters-of-coverage earnings, and earnings test limits. I also walk through projected Medicare Part B premiums and the deductible, explain the hold harmless provision, and outline 2026 IRMAA […] The post 2026 Social Security Changes: EDU #2546 appeared first on The Retirement and IRA Show.

In this episode of the Tax Smart REI Podcast, Thomas Castelli and Nathan Sosa, Head of the National Tax Department at Hall CPA, sit down with Alex Savage, CPA, CFP, to unpack the Mega Backdoor Roth 401(k), one of the most powerful yet underutilized tax strategies for high-income earners. They break down how the strategy works, who qualifies, and why it can be a game-changer for those looking to build long-term, tax-free retirement wealth, all while balancing real estate investing and other income streams. From contribution limits and in-plan conversions to control group rules and timing, this episode covers everything you need to know to decide whether this advanced strategy fits your situation. You'll learn: - What makes the “Mega” Backdoor Roth 401(k) different from a traditional or standard Roth IRA - How high-income W-2 earners and solopreneurs can contribute up to $70,000+ in after-tax dollars - Why this strategy can help you manage future tax rates, Social Security taxation, and estate planning - The key testing and timing rules to avoid IRS pitfalls - When a Mega Backdoor Roth makes sense and when real estate might be the better play Whether you're a tech executive, business owner, or high-earning real estate investor, this episode gives you the clarity to determine if the Mega Backdoor Roth 401(k) belongs in your financial toolkit and how to use it strategically alongside your real estate portfolio. To become a client, request a consultation from Hall CPA, PLLC at go.therealestatecpa.com/3KSEev6 Subscribe to REI Daily & Enter to Win a FREE Strategy Call: go.therealestatecpa.com/41JuQBX Connect with Engineered Tax Services: https://portal.engineeredtaxservices.com/cost-segregation/quick-start?utm_source=Live+Event&utm_medium=Others&utm_campaign=hall_cpa&pagesense_source=729733000061045013&utm_term=kim_lochridge&utm_content=cost_segregation Get the Solar White Paper: www.therealestatecpa.com/solar-white-paper/ The Tax Smart Real Estate Investors podcast is for general information purposes only and is not intended to provide, and should not be relied on for, tax, legal, or accounting advice. Information on the podcast may not constitute the most up-to-date legal or other information. No reader, user, or listener of this podcast should act or refrain from acting on the basis of information on this podcast without first seeking legal and tax advice from counsel in the relevant jurisdiction. Only your individual attorney and tax advisor can provide assurances that the information contained herein – and your interpretation of it – is applicable or appropriate to your particular situation. Use of, and access to, this podcast or any of the links or resources contained or mentioned within the podcast show and show notes do not create a relationship between the reader, user, or listener and podcast hosts, contributors, or guests. Any mention of third-party vendors, products, or services does not constitute an endorsement or recommendation. You should conduct your own due diligence before engaging with any vendor.

France has one of the most generous pension systems in the world. But several governments there have collapsed over questions about how the government will fund it. All over the world, aging populations are forcing governments to rethink their assumptions. Today on the show, what France's political fiascos teach all of us about the economics of an aging population, and what a retirement expert's ideal retirement system might look like.Mercer CFA Institute Global Pension Index 2025Related episodes: What would it take to fix retirement? What does the next era of Social Security look like? When Retirement Advice Goes Viral For sponsor-free episodes of The Indicator from Planet Money, subscribe to Planet Money+ via Apple Podcasts or at plus.npr.org. Fact-checking by Sierra Juarez. Music by Drop Electric. Find us: TikTok, Instagram, Facebook, Newsletter.  Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy