Podcasts about social security

Renue Healthcare https://Renue.Healthcare/ToddYour journey to a better life starts at Renue Healthcare. Visit https://Renue.Healthcare/Todd Bulwark Capital https://KnowYourRiskPodcast.comBe confident in your portfolio with Bulwark! Schedule your free Know Your Risk Portfolio review. Go to KnowYourRiskPodcast.com today. Alan's Soaps https://www.AlansArtisanSoaps.comUse coupon code TODD to save an additional 10% off the bundle price.Bonefrog https://BonefrogCoffee.com/ToddGet the new limited release, The Sisterhood, created to honor the extraordinary women behind the heroes. Use code TODD at checkout to receive 10% off your first purchase and 15% on subscriptions.LISTEN and SUBSCRIBE at:The Todd Herman Show - Podcast - Apple PodcastsThe Todd Herman Show | Podcast on SpotifyWATCH and SUBSCRIBE at: Todd Herman - The Todd Herman Show - YouTubeZach Abraham joins and offers a supposal: Jesus has all of the character traits of a good linebacker. Plus, faithful finance.Episode links:David Sacks Asks Why the New York Times is Protecting Reid Hoffman“We should take businesses from owners who want to leave due to the tax increases and run them for the city ourselves.” - “We should actually make it illegal for them to leave. Fine them to hell.”STUNNING DISCLOSURE: EPA Administrator Lee Zeldin just dropped a bombshell—revealing the Biden administration quietly parked $20 BILLION in gold bars inside private banks, outside normal government oversight, seemingly to avoid public scrutiny.An American woman loses both parents and goes through their Social Security records.They paid in for DECADES — nearly $1,000,000 combined.Her dad died before collecting a dime.Her mom only received about $32,000 a year for four years.That's not a safety net. It's a SCAM.

Banking isn't usually the first place we think about living out our faith. Yet for many believers, where we bank is becoming an important part of faithful stewardship. Financial institutions don't just hold our money—they decide how it's used, invested, and leveraged for impact.That's why faith-based banking is gaining attention. It offers Christians an opportunity to align everyday financial decisions with deeper convictions about money, integrity, and service.Today, we sat down with Aaron Caid, Chief Marketing Officer at Christian Community Credit Union (CCCU) and AdelFi, to talk about why believers may want to reconsider where they bank—and what truly matters when evaluating a financial institution.Start With the Basics: Stewardship Still Requires ExcellenceBefore talking about faith alignment, there's a practical reality we can't ignore: a bank still needs to do its job well.Good stewardship requires systems that are secure, efficient, and reliable. Strong digital tools, responsive customer service, and clear processes aren't luxuries—they're necessities. A banking partner should simplify your financial life, not complicate it with friction, confusion, or outdated technology. In other words, expecting excellence from your bank isn't selfish. It's wise.Once the basics are covered, a deeper question emerges: Does this institution share your values?Every bank makes decisions about how money is used and where it's invested. Those choices reflect a worldview—whether explicit or not. Faith-aligned banking starts from a biblical understanding of stewardship, integrity, and service, recognizing that money is a tool entrusted by God, not an end in itself.Where we bank, then, quietly reflects what we believe about the purpose of money.Faith That Shows Up in ActionOne of the distinctives of organizations like Christian Community Credit Union (CCCU) and AdelFi is that faith doesn't remain a mission statement—it's lived out through tangible generosity.Collectively, these organizations have more than 125 years of supporting Christian ministries, missionaries, church-planting efforts, and disaster relief. Together, they've given millions of dollars toward Christ-centered work around the world.Their impact goes beyond large-scale initiatives. Recent efforts include:Supporting financial discipleship resources for married couples, addressing one of the leading contributors to marital stress and divorce.Partnering with members to contribute over $10,000 to Operation Christmas Child, serving children in need, and sharing the love of Christ.Investing earnings back into members through better rates and lower fees—while also tithing corporately to support gospel work.This is what it looks like when banking becomes a shared mission rather than a purely transactional relationship.Red Flags That May Signal It's Time to Reconsider Your BankRegardless of where you bank today, there are warning signs that may indicate your institution isn't serving you—or your values—well:Unclear or high fees that quietly erode your savingsOutdated technology that complicates everyday money managementPoor access to real people when problems ariseBusiness practices or investments that conflict with your Christian convictionsFeeling like a number, rather than a valued customerThese issues don't just affect convenience—they affect stewardship.What the AdelFi Transition Means for MembersWith the merger of Christian Community Credit Union and AdelFi, members are already seeing expanded services, greater reach, and enhanced capabilities. The combined organization will soon operate under the AdelFi Christian Banking brand, positioning it as the largest Christian banking solution of its kind.The goal is simple: better serve individuals, families, churches, ministries, and Christian-owned businesses—while amplifying Kingdom impact.When financial services function well and align with your faith, your money can serve both your everyday needs and God's Kingdom purposes.As a special opportunity for Faith & Finance listeners, you can earn up to a $400 bonus when opening a qualifying high-yield checking or savings account—or a Visa cash back card.Visit FaithFi.com/Banking and enter code “FAITHFI” to learn more.On Today's Program, Rob Answers Listener Questions:I've heard that Social Security limits how much you can have in savings—$2,000 for singles and $3,000 for couples—or you could lose benefits. Is that true?I'm 66 and will soon qualify for full Social Security, but I plan to keep working. I have about $45,000 in savings and am hesitant to invest it in the stock market given current market conditions. What should I do with that money?I want to honor God through generosity, but I give so much that my account sometimes goes negative. I still want to help people in need, but I know I need more wisdom and self-control. How can I balance generosity with saving, and are there any resources you'd recommend?I've set up my will and want to leave one-time gifts to several organizations. The funds are in my 401(k), and I plan to retire in 2027. Is it better to give while I'm alive or wait until after I die—especially from a tax standpoint and for my son?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Christian Community Credit Union (CCCU) | AdelFiNational Christian Foundation (NCF)Sound Mind Investing (SMI)Our Ultimate Treasure: A 21-Day Journey to Faithful StewardshipWisdom 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.

The Steve Gruber Show | From Recession Warnings to Economic Boom --- 00:00 - Hour 1 Monologue 19:00 – Hans von Spakovsky, Senior Legal Fellow in the Edwin Meese III Institute for the Rule of Law at Advancing American Freedom. Von Spakovsky discusses a judge's decision to block the termination of Temporary Protected Status (TPS) for Haitian nationals. He explains the legal reasoning behind the ruling and its broader immigration implications. 27:51 – Nick Hopwood, Certified Financial Planner and Founder of Peak Wealth Management. In this week's “No Lazy Money” segment, Hopwood breaks down the latest jobs numbers, the Dow crossing 50,000, and trends shaping the markets. He also offers a free Social Security analysis at peakwm.com/gruber and explains why staying independent and advisor-owned matters in today's private equity-driven wealth management industry. 38:02 - Hour 2 Monologue 46:56 – Paul Miller, CPA and founder of Miller & Company LLP in New York City. Miller shares five critical things taxpayers should check before hitting “submit” this tax season. He explains common mistakes that could trigger audits or cost filers money. 56:55 – Claire Abernathy, Independent Women ambassador and detransitioner. Abernathy shares her powerful story, first told alongside her mother in the “Identity Crisis” series. She discusses being told she would be suicidal if she did not transition and reflects on the long-term impact of those medical decisions. 1:14:57 - Hour 3 Monologue 1:24:29 – Eric Metaxas, New York Times bestselling author, host of The Eric Metaxas Show, and President's Fellow at Cornerstone University. Metaxas discusses free speech, faith, and the Founders' vision for America. He argues that many colleges are ignoring the constitutional blueprint that shaped the nation. 1:34:31 – Perry Johnson, Michigan businessman, author, and political candidate. Johnson announces his entry into the race for Michigan Governor. He outlines his priorities and vision for the state moving forward. --- Visit Steve's website: https://stevegruber.com TikTok: https://www.tiktok.com/@stevegrubershow Truth: https://truthsocial.com/@stevegrubershow Gettr: https://gettr.com/user/stevegruber Facebook: https://www.facebook.com/stevegrubershow Instagram: https://www.instagram.com/stevegrubershow/ Twitter: https://twitter.com/Stevegrubershow Rumble: https://rumble.com/user/TheSteveGruberShow

Is Social Security going bankrupt? Is it a mistake not to claim benefits early? And how should you factor it into your retirement planning with clients? In this episode of the Shares podcast, Michael Finke, PhD, CFP® and Martha Shedden, CRPC®, president and co-founder of the National Association of Registered Social Security Analysts (NARSSA), look at the myths surrounding Social Security as well as some foundational and advanced concepts for including it in your clients' retirement planning strategies. Want to learn more about Social Security planning? Visit TheAmericanCollege.edu/RSSA. Find all episodes at TheAmericanCollege.edu/Shares.

“Federal retirement planning doesn't need to be a 60-page binder. Most near-retirees only face two or three major decisions that truly determine their long-term income, tax efficiency, and peace of mind.”If you're a federal employee approaching retirement and wondering how to structure your TSP withdrawals, coordinate FEHB with Medicare, or decide when to claim Social Security, this episode breaks down a simpler, step-by-step approach designed to create clarity instead of overwhelm. Click “Show More” to see how the Chartered Retirement Course works.

In this episode, we define the Retirement Red Zone—the five years before and after retirement—when financial decisions become larger, more permanent, and far less forgiving. We walk through the five critical choices that can make or break retirement: when to claim Social Security, how to turn savings into reliable income, managing taxes and RMDs, preparing for healthcare and longevity risk, and ensuring control and continuity if life interrupts the plan. The central message is clear: retirement success is driven less by chasing performance and more by coordination across income, taxes, healthcare, and family decisions. If you're approaching retirement—or already there—this episode offers a structured framework to avoid costly missteps and replace uncertainty with clarity and confidence.

Let's talk about something that doesn't get people excited. No machines, nothing about forklifts, and no mention of productivity or numbers. I'd like to talk about paperwork. I know I know, but this isn't boring paperwork. This is the paperwork of life. The kind of documents that quietly follow you from your first job all the way to retirement. The kind that, when handled correctly, makes life easier, and when ignored, can create stress, delays, lost money, or even lost opportunities.  I was looking for the right word here, I highlighted the words personal responsibility, and that's not what I'm looking for, but there are things we, ourselves, need to make sure we get right. So instead of harping on what we need to do I'll just speak to it in an, “I've seen how this plays out” kind of way. Because here's the truth, no company, no HR department, no recruiter, no government agency cares about your paperwork more than you do, and they never will.  When someone gets a job offer, they're excited. And they should be. But onboarding isn't just about orientation videos and a badge. From day one, you're asked to complete documents like I-9 employment verification, W-4 tax forms, Direct deposit information, Benefit elections, Emergency contacts, Policy acknowledgments. And these aren't just forms. These documents determine whether you can legally work, how and when you get paid, how much tax is withheld, whether you have insurance, and who gets called if there are any problems or emergencies.  When onboarding paperwork is filled out incorrectly, or rushed through, problems can start immediately. Delayed paychecks. Incorrect tax withholdings. Missed benefits. And the worst part? Most of those problems are preventable. Here's a tip or an opinion I guess, if a document affects your pay, your health, or your job security, slow down. Ask questions if you do not understand something. Especially anything like deductions. Read what you're signing. If you don't understand a box, don't guess. Guessing on official paperwork almost always comes back around to us.  The I-9 form is one of the most misunderstood documents in employment, and one of the most important. This form verifies your identity and your legal authorization to work in the United States. It requires specific documents, completed within a specific timeframe. If our hiring agent doesn't properly complete the I-9 you may not be allowed to start work. Your employment could be delayed, or you could be terminated, not for performance, but for a compliance issue. This isn't personal. It's just the law. As a worker, our responsibility is simple but serious. We need to bring valid, acceptable documents, make sure names match exactly, and pay attention to dates and signatures. Just this week I've heard about 3 individuals that met all the qualifications for a position, interviewed great, was offered the position, only to say that they didn't bring 2 forms of I.D. Their hiring process was delayed until they could return with their documents. For one of them the position was filled before she could return. And to our recruiter, being unprepared for an I-9 and the onboarding sends a message, fair or not, that you didn't take the process seriously.  Taxes are another area where people often say, I'll just fill it out the way I always do. That mindset can cause problems for us. Your W-4 determines how much money is withheld from each paycheck. Too little withheld? You might owe money at tax time. Too much withheld? You're giving the government an interest-free loan all year. And it's important to remember that life changes, marriage, kids, second jobs, side work, all affect how your W-4 should be filled out. Here's another tip or opinion! Our paycheck is our responsibility. If something looks off, ask about it immediately. Waiting six weeks doesn't fix it, it only multiplies the problem.  I want to mention a bit on our personal records too. Health records, Immunizations, Vaccinations, Physicals. In warehousing, manufacturing, transportation, and logistics, these come up more than people realize. Certain jobs, sites, or clients may require proof of Tetanus shots, Hepatitis vaccinations, physical capability exams or ergonomic testing, even drug screening history. Yes, these request or needs are rare in our field, but if you can't produce records, you may be delayed from starting a job, or even be excluded from certain assignments or have to repeat tests at your own expense. Keeping copies of our health records is important, it's about preparedness. Create a simple system, a physical folder at home, or digital copies on a secure drive with clear file names and dates. This is one of those, future you will be thankful for, habits.  Oh and many people assume education records don't matter once they're working. That's not always true. High school diplomas, GEDs, college transcripts, certifications, licenses, these documents can come up when applying for leadership roles, moving into safety or compliance positions, transitioning into office or management roles and applying for specialized training. Saying I completed it is not the same as proving it. If you've earned something, keep the documentation. You worked for it. Don't let missing paperwork slow your progress later.  And here's another free opinion! Your resume should never be written in a panic. It should be updated after each role, after learning new equipment, when gaining certifications, and after taking on leadership tasks. Too many people try to rebuild their entire work history the night before applying for a job, and details get lost. Dates get fuzzy. Job titles blur and we'll leave off some of our accomplishments. A resume isn't just for job hunting. It's a record of our career. Here's another unsolicited opinion of mine! Keep a running document. Add bullet points as you go. That away when opportunity shows up, you'll be ready.  Now let's talk about open enrollment, this is where people can get hurt financially. Open enrollment windows are like written in stone. Miss them, and you may be locked out of Health insurance, Dental and vision, Life insurance or Disability coverage until the next enrollment period. Saying “I didn't know” doesn't reopen the window. This happened to me last year. I asked about the dental and vision offerings, but I didn't follow up when no one got back to me. So I didn't have dental and vision insurance! Understanding your benefits isn't optional adulthood, it's more like survival planning. If you don't understand a benefit, ask HR. That's what they're there for. And don't hesitate to follow up if you haven't heard back. Ignoring enrollment because it feels overwhelming can cost thousands of dollars later.  Here is a hard truth, deadlines don't care about your schedule, your stress, or your intentions. Miss a form deadline and benefits don't activate, our coverage can lapse, pay adjustments don't happen. Professionals respect deadlines, even when the task isn't exciting. And we are professionals, right? That's part of being dependable.  And all this documentation follows us right into retirement as well. At the end of your career, paperwork doesn't stop, believe it or not it actually increases! Retirement accounts. Pension records. Social Security documentation. Healthcare elections. People who kept records throughout their career transition more smoothly. People who didn't often scramble at the worst possible time. Your future self deserves better than all that last-minute chaos!  I recently read something by a government agency. It said that paperwork isn't the enemy, neglect is. It made me think a bit!  The paperwork of life isn't glamorous, but it is important. Careers don't fall apart because of one bad day on the floor. They fall apart because of missed details spread out over time. Let's all be sure to handle our paperwork with the same pride we bring to our work ethic.  Oh, and I mentioned retirement a minute ago. One of the biggest myths is that retirement planning begins when you're close to retirement. It doesn't. It begins with your first benefit election, and your first 401(k) form, and your first beneficiary designation. The people who retire smoothly didn't magically get organized at 60, they stayed consistent for decades. Every form you complete correctly today reduces stress tomorrow. Every document you keep track of becomes a gift to your future self.  Let me leave this part with something simple and honest. Paperwork is how the world keeps score. It records who you are, what you've earned, what you're entitled to, and how you're protected. Ignoring it doesn't make it go away, it just hands control to someone else. So lets take ownership of it, ask questions, respect those deadlines, and keep records.   Ok, I'll leave it at that. I don't want it to sound like I'm standing up on a soap box here, but I've seen so many people struggle and take financial hits over the very things we discussed today. If you have any questions about anything I brought up, check with your HR department or a member of your management team, ask questions. And as always, feel free to send us an email to hose@warehouseandoperationsasacareer.com and I'll help find you an answer. Thanks for checking in and as always, please be safe in all you do.   

Talking Real Money opens with a stark illustration of why Bitcoin fails as a usable currency, showing how volatility can destroy real-life budgets overnight. Don and Tom compare crypto to historic speculative bubbles, argue that stability—not hype—is the core function of money, and dismantle the “store of value” narrative. The show then shifts to practical listener calls covering CD ladders, Treasury yields, retirement readiness, estate planning, and early-retirement balance. Throughout, they emphasize boring, diversified, evidence-based investing over speculation, reminding listeners that long-term financial security comes from discipline, planning, and emotional restraint—not chasing the next hot trend. 0:04 Bitcoin paycheck scenario and real-world income collapse 1:04 Currency volatility vs. household budgeting reality 2:22 Bitcoin's 45% drop and “currency vs. speculation” argument 3:24 Hyperinflation examples and why stability matters 4:03 “Greater fool” theory and vanishing crypto hype 4:47 Why Bitcoin fails as a functional currency 5:59 Tulip mania and historical bubbles comparison 6:59 Tangible assets vs. pure speculation 7:39 “At least you can live in a house” argument 8:26 Michael Saylor, HODL culture, and empty promises 9:30 NFT collapse and Beeple example 10:11 Crypto returns vs. real assets 11:14 Listener question: CDs vs. Treasuries 12:22 Current CD rates and Bankrate reference 13:56 Risks of long-term bonds and rate changes 15:32 Don's real CD ladder example 16:37 Fixed income diversification strategy 18:35 Hot money leaving crypto for prediction markets 19:45 Generational blind spots and bubble psychology 21:08 Retirement planning call: housing proceeds and savings 23:57 Social Security timing and cash-flow planning 25:41 Importance of fee-only fiduciary planning 27:32 Vernita Toll Bridge digression (classic TRM) 30:33 Estate planning: wills vs. trusts 33:49 RetireMeet promotion and resources 35:43 FIRE listener call: saving vs. living balance 38:58 Permission to spend responsibly Learn more about your ad choices. Visit megaphone.fm/adchoices

Scripture reminds us that wisdom often begins with counting the cost. As the average age of a first-time homebuyer approaches 40, many people are asking an important and sincere question: Is now the right time to buy a home—or should we continue renting?That question usually reflects a desire to make a wise, lasting decision—one that supports long-term stability rather than undermining it. Before comparing monthly payments or imagining life in a new space, it's worth taking a clear-eyed look at what it truly costs to move from renting into homeownership.The Upfront Costs Many First-Time Buyers MissOne of the biggest surprises for first-time buyers is the sheer cost of getting into a home. The pre-approval and closing process involves numerous expenses, including appraisals, inspections, credit reports, earnest money, title searches, loan origination fees, and closing costs. Taken together, these can add up to thousands of dollars before move-in day ever arrives.For renters transitioning to homeownership, these costs are typically paid out of pocket. That's one reason many advisors encourage having close to 20% of the purchase price available—not only for a down payment, but to create margin for the entire process. This isn't about delaying dreams unnecessarily; it's about ensuring homeownership doesn't begin with financial strain.Many renters feel a growing weariness with paying rent month after month, especially compared with building equity. That desire for something tangible and lasting is understandable—but it's important to remember that rent is not wasted money.Rent pays for shelter, safety, maintenance, and predictability. It meets a real and ongoing need and, in that sense, pays for a valuable service. During certain seasons of life, that flexibility and stability can be a wise and intentional choice.Understanding What a Mortgage Really IncludesIt's also helpful to understand how a mortgage payment actually works. A typical payment includes principal, interest, property taxes, homeowner's insurance, and often private mortgage insurance if you own less than 20% of the home's value. In some cases, HOA fees are also added.In the early years of a traditional 30-year mortgage, a significant portion of each payment goes toward interest rather than reducing the loan balance. Thirty-year mortgages can still be wise—they keep payments manageable and allow flexibility if you want to make extra principal payments—but they are designed to be long-term loans. Early equity growth often comes more from market appreciation than from paying down the balance.Rising home prices can create fear about waiting too long, pushing buyers to act before they're ready. While market trends are worth paying attention to, they shouldn't be the deciding factor. A home should fit your current season of life and support your responsibilities and priorities—not stretch your finances or limit your ability to live and give faithfully.It also helps to release the pressure of finding a “forever home.” On average, first-time buyers stay in their homes seven to ten years. Career changes, growing families, and life transitions often make moving a natural part of the journey. The first home simply needs to perform well in the current season.Rising Costs Don't Disappear with OwnershipRising rents are another common frustration, especially when lease renewals result in higher monthly costs. But owning a home doesn't eliminate rising expenses. While a fixed-rate mortgage keeps principal and interest steady, property taxes and homeowner's insurance typically increase over time. Even after a mortgage is paid off, those costs remain.Maintenance is another reality worth considering. Once you own a home, repairs are your responsibility—roofs, plumbing, electrical systems, and heating or cooling issues can bring unexpected expenses. While insurance offers protection, deductibles and coverage limits often mean high out-of-pocket costs, and filing claims may lead to higher premiums later.Renting, by contrast, offers predictability. Repairs are the landlord's responsibility, which can provide stability during periods of debt reduction or saving. The phrase house poor exists for a reason. Buying before you're ready can strain budgets, limit generosity, and leave you feeling trapped rather than thankful.While homeownership can be a blessing, it's not a measure of faithfulness—and it isn't right for every situation. Sometimes, the wisest choice is to continue renting, patiently preparing for what comes next, and trusting that God's timing is often kinder than our urgency.On Today's Program, Rob Answers Listener Questions:I'd like to understand what an irrevocable trust is and how it works.I have $30,000 I'd like to invest outside of real estate. I won't need the money for about 10 years. Where would you recommend investing it?I took out high-interest loans to pay for my wife's dental work, but my hours have since been cut, and I've drained my savings. Is there a way to consolidate this into one lower-interest loan so my payments actually reduce the balance?About 25 years ago, I filed for bankruptcy for around $3,500 when I was struggling financially. I'm in a better place now and receive my ex-husband's Social Security. Is there any way—or reason—to repay that old debt?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)List of Faith-Based Investment FundsChristian Community Credit Union (CCCU) | AdelFiSoFi | Marcus | LightStream | Bankrate | NerdWalletCharles Schwab Intelligent Portfolios | FidelityOur Ultimate Treasure: A 21-Day Journey to Faithful StewardshipWisdom 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.

Taxes in retirement could be one of your largest expenses, especially if most of your savings are in pre-tax accounts. In this bonus episode of Wise Money, we are joined by Matt Hoke to break down practical strategies to reduce taxes on Social Security, RMDs, and even avoid costly IRMAA surcharges.  Download our FREE 5-Factor Retirement guide: https://wisemoneyguides.com/  Schedule a meeting with one of our CERTIFIED FINANCIAL PLANNERS™: https://www.korhorn.com/contact-korhorn-financial-advisors/ or call 574-247-5898.   Subscribe on YouTube: http://www.youtube.com/c/WiseMoneyShow Listen on podcast: https://pod.link/1040619718   Watch this episode on YouTube: https://youtu.be/vBZDjny6uQI  Submit a question for the show: https://www.korhorn.com/ask-a-question/   Read the Wise Money Blog: https://www.korhorn.com/wise-money-blog/    Connect with us: Facebook - https://www.facebook.com/WiseMoneyShow  Instagram - https://www.instagram.com/wisemoneyshow/    Kevin Korhorn, CFP® offers securities through Silver Oak Securities, Inc., Member FINRA/SIPC. Kevin offers advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. KFG Wealth Management, LLC dba Korhorn Financial Group and Silver Oak Securities, Inc. are not affiliated. Mike Bernard, CFP® and Joshua Gregory, CFP® offer advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. This information is for general financial education and is not intended to provide specific investment advice or recommendations. All investing and investment strategies involve risk, including the potential loss of principal. Asset allocation & diversification do not ensure a profit or prevent a loss in a declining market. Past performance is not a guarantee of future results. Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.

Todd Lutsky of Cushing & Dolan answers listener questions about how to begin the estate planning process and what to expect when meeting with an attorney for the first time. He outlines key factors to consider—including age, asset size, family dynamics, and second marriages—and explains the difference between revocable and irrevocable trusts. Todd also breaks down the tax treatment of trusts, clarifying when a Social Security number is used versus when an EIN is required, and why the distinction matters. 

In this episode Frank and Maya (his AI sidekick) react to Donald Trump publicly suggesting Ted Cruz as a potential Supreme Court nominee, weighing the political logic and the long-term consequences of such a move. They dissect Cruz's record — from votes on insulin and Social Security to his actions around Jan. 6 — and close with a lighter but alarming story about an RFK Jr. nutrition chatbot giving inappropriate advice.

LISTEN and SUBSCRIBE on:Apple Podcasts: https://podcasts.apple.com/us/podcast/watchdog-on-wall-street-with-chris-markowski/id570687608 Spotify: https://open.spotify.com/show/2PtgPvJvqc2gkpGIkNMR5i WATCH and SUBSCRIBE on:https://www.youtube.com/@WatchdogOnWallstreet/featured  Federal tax receipts are surging—up double digits across the board—yet the deficit problem hasn't gone anywhere. Why? Entitlements. Social Security, Medicare, and Medicaid continue to grow at breakneck speed, while waste, fraud, and abuse remain largely untouched.From tariffs acting as a hidden tax to welfare programs like TANF being treated as state-level slush funds, the issue isn't revenue—it's spending priorities and zero accountability. Until entitlement growth and oversight are taken seriously, record revenues won't fix what's broken.

Alan Porter is a former U.S. Army Black Hawk instructor pilot turned nationally recognized financial educator, bestselling author, and certified financial fiduciary. After a long military career and success in real estate and mortgage lending, a series of family health crises reshaped his understanding of financial planning, life insurance, and long-term care. Today, Alan specializes in advanced tax-free retirement planning, wealth preservation, business exit strategies, and legacy planning for high-net-worth individuals and entrepreneurs.     Make sure to download our free guide, 7 Questions Every Passive Investor Should Ask, here.     Key Takeaways Understand why health events, not market cycles, are the biggest threat to retirement security Learn how sequence of returns risk can quietly devastate traditional retirement plans Discover how life insurance can function as a tax-free retirement and liquidity tool See why effective interest cost matters more than stated interest rates Learn how proactive tax and retirement planning can protect wealth across generations     Topics Why Financial Planning Became Personal for Alan Family health crises exposed major gaps in traditional planning Terminal illness rider benefits provided critical, tax-free liquidity Firsthand experience reshaped Alan's career focus Health Care Costs and Long-Term Care Risk Long-term care costs range from $50,000–$200,000 per year and continue rising Medicare does not cover long-term care; Medicaid requires asset spend-down Health events can erase decades of savings without proper planning Sequence of Returns Risk Explained Early retirement losses can permanently derail portfolios Market downturns combined with withdrawals accelerate depletion Traditional advisors often overlook this risk Effective Interest Cost and Hidden Debt Mortgages and credit cards carry much higher real costs than advertised rates Effective interest cost reveals how much money truly goes to lenders Eliminating high-interest debt can outperform traditional investments Becoming Your Own Bank Cash-value life insurance allows borrowing while assets continue compounding Loan repayment is flexible and under the policyholder's control Policies can fund education, vehicles, emergencies, and retirement Limitations of 401(k)s and Qualified Plans Fees, taxes, and required minimum distributions reduce net retirement income Taxes are deferred, not eliminated Most investors underestimate future tax exposure Tax-Free Retirement and Legacy Planning Properly structured insurance strategies can deliver tax-free income Policies avoid Social Security taxation and Medicare means testing Assets can transfer across generations more efficiently     Round of Insights Failure that set Alan up for success: Not planning ahead. Failing to prepare for life events led to higher costs and financial strain later. Digital or mobile resource recommended: Alan's YouTube channel and educational resources at StrategicWealthStrategies.com. Book recommended most in the last year: Tax-Free Retirement Solution. Daily habit that keeps him focused: Early mornings, daily workouts, and structured planning to start each day with intention. #1 insight for creating long-term wealth: Learn how insurance products work and what they can truly do.     Next Steps Visit Alan's website and check out his retirement tax calculator Review your current retirement and tax strategy Learn how sequence of returns risk affects your plan Evaluate long-term care exposure and insurance options Explore tax-free income strategies before retirement Get a second opinion on your financial plan     Thank you for joining us for another great episode! If you're enjoying the show, please LEAVE A RATING OR REVIEW, and be sure to hit that subscribe button so you don't miss an episode.  

6 LGBTQ-Friendly Countries Where Americans Can Retire for Less—and Still Achieve Retirement SuccessMost gay men assume retiring abroad requires extreme wealth, immigration lawyers, or giving up their U.S. passport.The truth?If you're over 50 and have Social Security, a pension, rental income, or a 401(k), you may already qualify for residency in multiple LGBTQ-friendly countries—and at a cost that actually supports retirement success instead of draining it.In this episode of Queer Money, we break down six verifiable LGBTQ-friendly countries where Americans can legally obtain residency without being ultra-wealthy—and where everyday life costs significantly less than in the United States.This conversation is about grounding the dream of retiring abroad in reality. These are real visa programs, real income thresholds, and real places where gay men can live openly, affordably, and with dignity.We cover:Why retiring abroad is often easier than people thinkHow reciprocity, visa policy changes, and global politics affect AmericansWhy cost of living—not net worth—is the real driver of retirement successHow residency visas work for retirees, investors, and financially independent individualsCountries Covered in This Episode:Portugal – Income-based residency, strong LGBTQ protections, and EU accessMexico – Familiar culture, flexible residency paths, and major healthcare savingsThailand – Marriage equality, retirement visas, and exceptional affordabilityGreece – EU residency options with one of the lowest Golden Visa thresholdsBrazil – Strong LGBTQ protections and low income requirementsLatvia – An emerging EU option with Schengen access and lower costsKey Takeaways for Retirement Success:You don't need millionaire money to retire abroad—clarity beats wealthCost-of-living arbitrage can extend your retirement years dramaticallyResidency is about documentation and income, not perfectionThe right country can turn “barely enough” into “more than enough”Retiring abroad isn't about running away.It's about running the numbers—and choosing a life that actually works.If retirement success means more freedom, less stress, and living openly as yourself, this episode shows you where to start.

Jeremy Keil examines how tax law changes might affect Roth conversion strategies for retirees in 2026. A few years ago, Roth conversions felt like one of those rare financial strategies that was almost too obvious to ignore. Taxes were historically low. The Tax Cuts and Jobs Act had put a clear expiration date on those lower brackets. And for many retirees, the logic seemed airtight: pay taxes now at a lower rate so you don't pay more later. Fast forward to today, and that certainty just isn't the same. With new tax legislation making today's lower tax brackets permanent—at least for now—many retirees are asking a very different question: Are Roth conversions still worth it in 2026 and beyond? The short answer is yes. But not for the reasons many people think. The real problem isn't Roth conversions themselves. The problem is the assumptions people make about them. Roth conversions exploded in popularity when it appeared obvious that taxes were about to rise. The assumption was straightforward: convert while rates are low, avoid higher taxes later, and you'll come out ahead. But that assumption rested on two ideas that don't always hold up: That tax rates would definitely rise. That income in retirement would naturally fall. For some people, both are true. For many others, neither is. Markets have been strong. Retirement accounts are larger than expected. Capital gains, pensions, and Social Security stack on top of one another. And suddenly, retirement income isn't as “low tax” as it once looked on paper. The Difference Between Tax Bracket and Tax Cost One of the most common mistakes retirees make is focusing on their tax bracket instead of their tax cost. On a tax return, you might see yourself in the 12% or 22% bracket and assume Roth conversions are inexpensive. But once Social Security enters the picture, the math becomes more complicated. As additional income comes in, Social Security benefits that were once tax-free begin to become taxable—up to 85% of the benefit. In that phase-in range, every dollar withdrawn from a traditional IRA can cause more Social Security to be taxed. The result is an effective tax cost that can be significantly higher than the bracket suggests. This is where many well-intentioned Roth strategies quietly go off track. Medicare Premiums Change the Equation Taxes aren't the only cost that matters. Medicare income-related premium adjustments—often called IRMAA—are triggered when income crosses certain thresholds. These surcharges commonly appear in two situations: when required minimum distributions begin, and when one spouse passes away and income thresholds are suddenly cut in half. A Roth conversion that pushes income just over one of these lines can increase Medicare premiums for years. That added cost has to be weighed alongside any future tax savings the conversion might create. A Cautionary Roth Story This is where a real-world example brings the point home. I once worked with a woman to determine the right amount of Roth conversions to do. We carefully mapped out a plan to spread conversions over three tax years so she could stay within reasonable tax and Medicare thresholds. She was comfortable with the plan. The numbers made sense. We executed the first conversion near the end of the year and agreed to revisit the second one in January. But after our meeting, she decided to take matters into her own hands. Rather than following the plan, she converted everything at once. That single decision pushed her income from a moderate tax bracket into much higher ones, triggered additional Medicare premium costs, and permanently locked in taxes that were far higher than necessary. The intent was good. The outcome was not. The mistake wasn't believing in Roth conversions—it was assuming that “more” was always better. The Real Takeaway for 2026 and Beyond Roth conversions are not dead. But Roth assumptions are. Lower tax rates today don't automatically mean Roth conversions are cheap. A future tax increase isn't guaranteed. And a zero-tax retirement is not always worth the price paid to get there. Roth conversions should always be considered—but never assumed. When done thoughtfully, in the right amounts, and at the right times, they can improve retirement income and flexibility. When done without planning, they can quietly undermine both. And in retirement, the goal isn't to win a tax strategy.The goal is to create a better retirement. Don't forget to leave a rating for the “Retire Today” podcast if you've been enjoying these episodes! Subscribe to Retire Today to get new episodes every Wednesday. Apple Podcasts: https://podcasts.apple.com/us/podcast/retire-today/id1488769337  Spotify Podcasts: https://bit.ly/RetireTodaySpotify About the Author: Jeremy Keil, CFP®, CFA is a retirement financial advisor with Keil Financial Partners, author of Retire Today: Create Your Retirement Income Plan in 5 Simple Steps, and host of the Retirement Today blog and podcast, as well as the Mr. Retirement YouTube channel. Jeremy is a contributor to Kiplinger and is frequently cited in publications like the Wall Street Journal and New York Times. Additional Links: Buy Jeremy's book – Retire Today: Create Your Retirement Master Plan in 5 Simple Steps Are Roth Conversions for Retirees Dead in 2026 Because of the New Tax Law? By Jeremy Keil, Kiplinger.com  Connect With Jeremy Keil: Keil Financial Partners LinkedIn: Jeremy Keil Facebook: Jeremy Keil LinkedIn: Keil Financial Partners YouTube: Mr. Retirement Book an Intro Call with Jeremy's Team Media Disclosures: Disclosures This media is provided for informational and educational purposes only and does not consider the investment objectives, financial situation, or particular needs of any consumer. Nothing in this program should be construed as investment, legal, or tax advice, nor as a recommendation to buy, sell, or hold any security or to adopt any investment strategy. The views and opinions expressed are those of the host and any guest, current as of the date of recording, and may change without notice as market, political or economic conditions evolve. All investments involve risk, including the possible loss of principal. Past performance is no guarantee of future results. Legal & Tax Disclosure Consumers should consult their own qualified attorney, CPA, or other professional advisor regarding their specific legal and tax situations. Advisor Disclosures Alongside, LLC, doing business as Keil Financial Partners, is an SEC-registered investment adviser. Registration does not imply a certain level of skill or expertise. Advisory services are delivered through the Alongside, LLC platform. Keil Financial Partners is independent, not owned or operated by Alongside, LLC. Additional information about Alongside, LLC – including its services, fees and any material conflicts of interest – can be found at https://adviserinfo.sec.gov/firm/summary/333587 or by requesting Form ADV Part 2A. The content of this media should not be reproduced or redistributed without the firm’s written consent. Any trademarks or service marks mentioned belong to their respective owners and are used for identification purposes only. Additional Important Disclosures

At some point in midlife, financial planning stops being about numbers and starts being about people.In this episode, Matt Feret talks with Jennifer Lee, financial advisor at Modern Wealth and author of Squeeze the Juice, about why money is ultimately a form of communication and an expression of care. Jennifer shares the powerful story of the handwritten “love letter” her father created while facing a terminal illness and how it shaped her approach to legacy, planning, and family conversations.Together, they explore how unspoken expectations around money can create stress and conflict, why traditional estate planning often misses what matters most, and how getting your thoughts out of your head and onto paper or even into a voice memo can be an incredible gift to the people you love.This episode is for anyone thinking about legacy, family, midlife transitions, or how to make difficult conversations feel more human and meaningful.The Matt Feret Show is about thriving in midlife, retirement, and beyond. Each week, Matt shares smart conversations on Medicare, Social Security, retirement planning, health, wealth, wellness, caregiving, and life after 50.Explore more episodes and sign up for The Matt Feret Newsletter: TheMattFeretShow.comNeed Medicare help? Book a no-obligation consultation: BrickhouseAgency.comWatch full episodes on YouTube: The Matt Feret ShowSubscribe on Apple, Spotify, or YouTube for more insights on wealth, wisdom, and wellness in retirement. Hosted on Acast. See acast.com/privacy for more information.

Is the 4% rule actually causing people to work 5 to 10 years longer than they need to?In this episode of The Planning for Retirement Podcast, Kevin Lao breaks down a series of real historical 40 year retirement backtests using withdrawal rates of 4%, 5%, 6%, and even 7%, and the results are shocking.Using Portfolio Visualizer, Kevin tests how different withdrawal rates would have performed starting in 1986 through 2025, and then compares those results to what happens when you retire into a tougher market environment like the lost decade (starting in 2000).This episode is all about the real retirement planning lesson most people miss:

The landscape of Social Security is changing yet again. As we enter 2026, six big changes will impact both current and future retirees. I break down everything from the new cost of living adjustment (COLA), increases in the earnings test limit, and updated eligibility requirements, all the way to shifts in the full retirement age and the solvency projections for the Social Security Trust Fund. You'll also hear practical tips on maximizing your Social Security benefits, how to prepare for what's ahead, and why it's more important than ever to have a solid retirement plan in place.  You will want to hear this episode if you are interested in... [00:00] Social Security updates in 2026. [04:23] Social Security Cost of Living Adjustment (COLA). [09:00] Social Security earnings and credits. [13:41] Social Security benefits timing. [15:31] Social Security cuts looming in 2033. Key Social Security Changes in 2026 On the show, you'll hear an overview of these changes, helping you to prepare and adjust your financial plans accordingly. From increased earning limits to the solvency of the trust fund, here's what you need to know. 1. Cost-of-Living Adjustment (COLA): A Modest Boost One of the most anticipated changes each year, the Social Security cost-of-living adjustment (COLA), has been set at 2.8% for 2026—slightly higher than last year's 2.5%. This increase is designed to help benefits keep pace with inflation and is calculated automatically based on the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W) (as explained by Ryan Morrissey ). For retirees, this means an average monthly benefit increase of around $56 for singles and $88 for married couples. However, COLA's impact can be offset by hikes in Medicare Part B premiums, which have risen to $201.96 for 2026. This nearly $18 increase represents a 9.6% jump—higher than the COLA percentage—reminding retirees to monitor both Social Security and Medicare in tandem for accurate budgeting. 2. Earnings Test Limits: Collecting While Working If you want to claim Social Security before reaching your full retirement age and continue working, new earnings test limits apply. For those aged 62 until they reach full retirement age, the annual earnings limit is now $24,480, with benefits reduced by $1 for every $2 earned above this threshold. If you're in the year you hit full retirement age, the limit jumps to $65,160. Exceeding this means your benefit will be reduced by $1 for every $3 extra earned. Importantly, once you reach the month of your full retirement age, these limits disappear, and you can collect benefits without reductions regardless of income. 3. Earning Credits for Eligibility To qualify for Social Security, you must earn at least 40 credits over your working lifetime. For 2026, you'll receive one credit for each $1,890 earned per quarter—a slight increase over last year's $1,810. Most individuals accumulate the required credits after about 10 years of work. Earning more than 40 credits doesn't increase your benefit, but working longer and earning more can boost your payout through the average indexed monthly earnings calculation. 4. Social Security Wage Base Increase Social Security taxes apply to income up to a set wage base, which in 2026 rises to $184,500. Both employees and employers pay 6.2% up to this limit, which has increased by $7,500 over the last year. If you're self-employed, you cover both portions (12.4%). There's no cap on what you pay into Medicare, with a rate of 1.45%, and an additional 0.9% for higher earners. These thresholds have not been adjusted for inflation, making planning essential for those with larger salaries. 5. Full Retirement Age: Incremental Shift The gradual increase in full retirement age culminates in 2026. Those born in 1959 can claim full benefits at age 66 and 10 months, while anyone born in 1960 or later sees their full retirement age rise to 67. This change marks the final step in modifications enacted by the 1983 Social Security Act. After age 67, there are no planned increases—unless Congress takes further action. 6. Social Security Trust Fund: Solvency Concerns The long-term outlook for the Social Security Trust Fund remains a concern. Per the latest trustee report, benefits could be cut by 23% in 2033 if Congress does not act. Recent laws have expanded eligibility but also reduced system inflows, raising questions about solvency. For now, we don't need to panic; proactive planning and staying informed are key. Regularly review your Social Security status and plan contributions, and consider how these changes affect your overall financial strategy.  Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan

What questions should you really be asking your financial advisor? In this episode, Damon Roberts and Matt Deaton break down the essential conversations every pre‑retiree needs—covering income planning, tax efficiency, Social Security timing, pensions, risk management, and long‑term care considerations. They also share what they expect from clients: curiosity, teamwork, and a willingness to learn. With personal stories, decades of experience, and a focus on clarity over confusion, this episode gives listeners a practical roadmap for building a retirement plan that supports their lifestyle and goals. For more information or to schedule a consultation, call 480-680-6868 or visit www.successinthenewretirement.com! Follow us on social media: Facebook | LinkedInSee omnystudio.com/listener for privacy information.

A lot of investors follow instructions to the letter, work hard, save carefully, and increase their 401(k) or IRA balance. Few people are aware, however, that this well-meaning tactic can covertly result in a retirement tax trap.   Today on Financial Detox, Jason and Alex explain how decades of pre-tax saving can lead to higher taxes in retirement, just as required distributions and Social Security begin. The result? Less flexibility, fewer options, and a larger tax bill than expected.   What we talk about today:

Reaching retirement without a clear plan is more common than most people realize. Charleston’s Retirement Coach Brandon Bowen uses a Super Bowl analogy to explain why retirement success doesn’t happen by accident. This episode looks at what “winging it” really means—unclear income sources, Social Security timing questions, lingering debt, and uncertainty around major financial decisions. Through real‑world examples, Brandon walks through how planning brings structure and clarity to the retirement transition. It’s a practical discussion focused on turning savings into income and understanding the steps needed to move forward with confidence. Like what you hear? Get a second opinion today: bowenwealth.com Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

We examine a realistic scenario for a client with a $750,000 TSP/401(K) and a $40,000 pension, focusing on adjustments in fund allocation, and a financial scenario for "Bill" vs. "Jack", one begins withdrawing $3,000 monthly from his TSP and takes Social Security at 62. Understanding crucial aspects like TSP distributions, retirement income, and tax planning is key, and we explore how a bucket strategy retirement approach can help manage these changes effectively.

La grève des soignants s'est intensifiée contre la loi de financement de la Sécurité sociale. À Paris, des milliers de médecins dénoncent une politique d'austérité budgétaire.Traduction: The healthcare workers' strike intensified against the Social Security budget law. In Paris, thousands of doctors are denouncing a policy of strict budgetary austerity measures. Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations.

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss the launch of their new retirement planning book, The Peace of Mind Pathway, and why they felt compelled to create a clearer, more practical approach to Retirement Planning. After years of working with families approaching or already in Retirement, they saw a recurring challenge: people could be great savers yet still lack Retirement confidence. This episode explains how a truly holistic financial planning approach helps connect the dots between investments, income, taxes, healthcare, and legacy—so you can truly plan for retirement with clarity and purpose.Listen in to learn about how Peace of Mind Wealth Management designed a comprehensive Retirement financial plan that goes beyond investments and focuses on real-life decision-making. From Income planning in retirement and Tax planning strategies to Medicare planning, Long term care planning, Estate planning, and Social Security planning, Radon and Murs break down the Peace of Mind Pathway framework that helps families retiring comfortably and working toward a goal to secure your retirement.In this episode, find out:Why a retirement planning book focused on holistic planning is critical for today's retireesHow the Peace of Mind Pathway ties together risk management, income, taxes, healthcare, and legacyWhat role Required minimum distributions play in your overall Retirement financial planHow to think through early retirement strategy decisions, including healthcare before MedicareWhy having a connected team matters when planning retirement and following a retirement checklistTweetable Quotes:“Retirement isn't just about having money—it's about having clarity, confidence, and a plan that works together.” — Radon Stancil“Good savers often feel the most anxiety because they don't know what questions to ask when planning retirement.” — Murs TariqResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

Is there an ideal level of wealth? Our Retirement Headline comes from Nick Maggiulli, who starts by rejecting the usual vague answers—"it depends," "on your own terms," or "whatever makes you happy." Instead, he tries to give a practical, math-based answer that works for most people, even if it's not perfect for everyone.  Then our listener question is "How should we think about future income sources—like Social Security and pensions—in terms of our net worth? Should we include the present value of that income?" Finally, in our "Retire to Something" segment, we're learning from an anonymous HR manager that is deploying their skillset in a totally new way in retirement.  Resource: Article by Nick Maggiulli in Of Dollars & Data: The Ideal Level of Wealth Connect with Benjamin Brandt: Subscribe to the This Week in Retirement: http://thisweekinretirement.com Get the Retire-Ready Toolkit: http://retirementstartstodayradio.com Work with Benjamin: https://retirementstartstoday.com/start Get the book!Retirement Starts Today: Your Non-financial Guide to an Even Better Retirement Follow Retirement Starts Today in:Apple Podcasts, Spotify, Overcast, Pocket Casts, Amazon Music, or iHeart

It's a beautiful phrase, compound interest. And that's what Trump Accounts are built on. Economist Stephen Moore shares how he actually suggested this same principle as a way to fix Social Security.

In this episode, Rob Field and Chet Cowart explore the parallels between training for a marathon and investing for the future, emphasizing how each investor's personal goals and circumstances shape their approach. They begin by discussing recent market trends and how growth over the past few years has affected different age groups. The hosts highlight the importance of investment goal-setting, comparing strategies for those nearing retirement to those still building their wealth. Younger investors typically seek maximum growth and are more tolerant of market volatility, viewing downturns as opportunities to buy. In contrast, those closer to retirement prioritize safety and income, often shifting toward bonds and cash to preserve capital and generate steady income. Field and Cowart also tackle topics such as portfolio construction, risk tolerance, and the differing roles of income and Social Security. They note that Social Security is funded by younger workers and question its future viability as workforce demographics shift and more people delay retirement. The conversation includes recent trends, such as a decrease in workers under 25 and factors influencing workforce participation since the pandemic. The episode offers valuable insights into lessons investors often wish they had learned earlier, including the power of savings and compounding, the importance of starting early, managing debt, automating investments, and developing disciplined financial habits. The hosts stress the significance of honest self-assessment, patience, and flexibility—much like training for a marathon. Concluding, Rob and Chet reiterate that successful investing is about time, setting clear goals, and understanding one's risk tolerance. They encourage listeners to approach their financial journey with a long-term perspective, realistic expectations, and sustainable habits. 

Send us a textMillions of Americans associate the number 65 with the end of their working years and the start of what they hope is a long and pleasant retirement. But why 65, as opposed to younger, older, or never? Joe and Mark trace the history of social insurance programs, including the American and European precursors to Social Security; discuss how and why 65 became the magic number; and ponder whether full retirement age (which is now 67 in the U.S.), benefit levels, or payroll tax revenues will have to change to accommodate increases in life expectancy. (Recorded February 6, 2026.)

WWW.ADVENTUREFREAKSSS.COM Find your Ideal Destination Here: https://adventurefreaksss.com/ideal-destination-finder/ ================================= How to work with me: =================================

Ralph welcomes Colonel Lawrence Wilkerson to discuss a wide range of topics, including NATO, Greenland, Gaza, and more. Then, Ralph speaks to Rabbi Alissa Wise (founding director of Rabbis for Ceasefire) about the “Jews for Food Aid for People in Gaza" campaign. Finally, Ralph and the team address some current events.Lawrence Wilkerson is a retired U.S. Army colonel. Over his 31 years of service, Colonel Wilkerson served as Secretary of State Colin Powell's Chief of Staff from 2002 to 2005, and Special Assistant to General Powell when he was Chairman of the Joint Chiefs of Staff from 1989 to 1993. Colonel Wilkerson also served as Deputy Director and Director of the U.S. Marine Corps War College at Quantico, Virginia, and for fifteen years he was the Distinguished Visiting Professor of Government and Public Policy at the College of William and Mary. He is currently a Senior Fellow at the Eisenhower Media Network, senior advisor to the Quincy Institute for Responsible Statecraft, and co-founder of the All-Volunteer Force Forum.You aren't a newspaper, not really, if you don't have the guts to go out and get the news wherever it's happening. And you're reporting, nonetheless, to the American people [on the truth]. And it's nothing about the truth. It's as bad as what Netanyahu does in his own country in Hebrew. It's propaganda. And in many cases, it's not even accurate propaganda. It's falsified propaganda. You know, there used to be a law. And the law prohibited anyone in the Defense Department, for example, but any of the government agencies (Defense Department was the most guilty) that said: you cannot propagandize the American people. You can propagandize foreign audiences—even in wartime, you can propagandize those audiences, but you must not propagandize the American people. You have to tell them the truth or tell nothing at all. And if you're a media outlet, you should be telling them the truth, or the truth as you best can determine it. We don't honor that law anymore.Colonel Lawrence WilkersonI think [NATO and the EU are] gone, but I think the prospect for the future ought to be that we replace them. We don't just let them go and not have a replacement. And the replacement should be a European security architecture, which includes the Russians. And last time I checked a Rand McNally map, Russia (at least from the Urals inward) was a part of Europe. And it needs to be based not on spheres of influence, but on economic and financial and other needs that all of that group of people have. That's how you create something that will keep Europe and Russia together and not at loggerheads.Colonel Lawrence WilkersonI've said this a number of times (publicly I've said it) —the January 6th attempt to overthrow the United States government in favor of Donald Trump didn't fail because the system held. It failed because the coup plotters were incompetent, and their incompetence was most visible in not having the military (or a sizable segment thereof). They will not do that again.Colonel Lawrence WilkersonRabbi Alissa Wise is the Lead Organizer of Rabbis for Ceasefire, which she founded in October 2023. She was a staff leader at Jewish Voice for Peace from 2011-2021 and co-founded the JVP Rabbinical Council in 2010. She is co-author of “Solidarity is the Political Version of Love: Lessons from Jewish Anti-Zionist Organizing”. She is also one of the organizers of the “Jews for Food Aid for People in Gaza” campaign.I think there is a lot of support in the Jewish community for living up to core liberatory values that there are within Jewish tradition. This is true in every religious tradition and it's true in Judaism, where you can open the sacred text and find a justification for oppression or you could open a sacred text and find a pathway to liberation. And so what we're inviting people into is to pull the thread of liberatory Judaism. And making the conscious choice that those are the threads of the tradition that we want to pull on.Rabbi Alissa WiseThere's nothing Jewish about what the state of Israel is doing—about the state of Israel at all. It's not actually a fulfillment of Jewish practice or tradition or Torah. It's not a Torah-based government. It's government. It's a nation state. It's a military. And it uses—as I was saying before, one could open the Torah and identify justification for endless war or justification for freedom. And I think they often use their Jewishness as a fig leaf in order to shield themselves from criticism because “when you criticize them, you're being anti-Semitic.” And they pull on certain quotes or elements of Jewish teachings that either seem to uphold what they're doing while at the same time being palatable and accessible to the Christian Zionists that actually have for a long time been empowering US foreign policy.Rabbi Alissa WiseNews 2/6/26* Last week, we discussed the showdown in Congress over forcing Bill and Hillary Clinton to testify before the House Oversight Committee regarding the Epstein probe. Despite pressure from Democratic House leadership, many Democrats broke ranks to vote in favor of holding the former President and former Secretary of State in contempt of Congress. If this vote had gone to the full House, it is possible the couple could have been jailed until they agreed to testify. Instead, this week, Bill and Hillary Clinton agreed to appear before the Committee. Bill Clinton's relationship with Epstein is well-documented through the flight logs and photos that have emerged since the passage of the Epstein Files Transparency Act. Hillary Clinton claims never to have met or spoken with the late sex offender and financier, per the BBC. Former President Clinton will appear for a deposition on February 27th; the former Secretary of State will appear the day before. This piece notes that this will mark the first time a former president has testified to Congress since Gerald Ford did so in 1983 – marking a watershed moment for Congress reasserting its constitutional authority.* In more news of Congress asserting its authority vis-a-vis the Epstein scandal, Representatives Ro Khanna and Thomas Massie appeared on “Meet the Press,” this week and said that while the release of the latest batch of files is “significant,” it “is not good enough.” Khanna estimates that only about half of the Epstein files have been released so far. Given how much we have learned from the files so far, it is anyone's guess what lurks in the files they have yet to release. Crucially, withholding the files is in direct contravention of the law authored by the two lawmakers. Khanna stated plainly that “If we don't get the remaining files…Thomas Massie and I are prepared to move on impeachment,” of Attorney General Pam Bondi. This from CNBC.* The Epstein scandal has contributed to growing fissures in the MAGA movement. Perhaps the most notable defector from that camp is retired Congresswoman Marjorie Taylor Greene. This week, Greene sat for an interview with conservative radio personality Kim Iversen, and said that President Trump's Make America Great Again slogan was “all a lie…a big lie for the people,” adding “What MAGA is really serving in this administration, who they're serving, is their big donors,” per the Hill. Elaborating further, Greene said that Trump's financial backers are the real beneficiaries of the supposedly populist movement, saying “They get the government contracts, they get the pardons, or somebody they love or one of their friends gets a pardon.” While Greene has resigned her seat in Congress, she shows little sign of disappearing from the public eye. Many speculate she could seek political office in the future, even the presidency, charting a path forward for a post-Trump GOP.* Another major fight in Congress has to do with checking the out of control Department of Homeland Security. While congressional Democrats' response to the events in Minneapolis leaves much to be desired, Senate Democratic leadership is pushing for reforms to “rein in” ICE and Border Patrol, including “body camera requirements, an end to roving patrols, elevated warrant requirements and a measure to ban officers from wearing masks,” per the Hill. While these reforms fall far short of what is needed, they would go a long way toward checking the worst excesses of these out of control organizations that have come to resemble nothing so much as secret police.* At the state level, the New York Times reports New York Attorney General Letitia James announced that her office will “deploy legal observers to document raids conducted by federal immigration authorities across the state.” These observers, who will be outfitted with clearly identifiable purple vests, are intended to serve as “neutral witnesses on the ground,” and will be “instructed not to interfere with enforcement activity.” This piece highlights that California and New York have already “unveiled online portals for residents to upload photos and videos of misconduct by federal agents that could be used in state lawsuits against the federal government.” A similar effort is being launched by New Jersey Governor Mikie Sherrill. It remains to be seen whether these attempts to step up oversight of ICE and CBP activity will check the flagrant misconduct we have seen in places in Minneapolis.* In more state and local news, the Root reports the Gullah-Geechee people – descendants of enslaved Africans who formed unique communities including a distinct culture and even language on the coasts of states like Georgia, Florida and the Carolinas – have scored a victory against gentrification on Sapelo Island, the only surviving Gullah-Geechee community in Georgia. In 2023, developers came in and, with local commissioners in their pockets attempted to “eliminate special zoning laws… [and] double the maximum home size on the island…to 3,000 square feet.” In response, local activists and groups like Keep Sapelo Geechee collected thousands of signatures to force a community vote on the matter. This measure passed late last month by a margin of 85%. While small in scale, this victory shows that when residents organize to protect their communities they can win, even in the face of long odds.* A more disturbing story of the American periphery comes to us from Bolts Magazine. This story concerns a family from American Samoa, an unincorporated U.S. Pacific territory where residents are “American Nationals” but not citizens of the United States. This family – Tupe Smith, her husband Mike Pese and their children – moved to Whittier, Alaska in 2017 to be close to Pese's mother. Smith, a pillar of the local community, was recruited to run for the school board and won unanimously. However, because she is only a National and not a citizen, despite having a U.S. passport and Social Security number, she was in fact not eligible to run for office or even vote. Smith was arrested and indicted on two charges of felony voter misconduct. The irony of this story is that “The Alaska DMV, which doubles as a voter registration office…did not [even] include [the option to identify as a non-citizen U.S. national on official forms] until 2022” and the state has admitted that it “registered an unspecified number of non-citizens to vote between 2022 and 2024.” Now, because of Alaska's own mistakes, some Nationals are beginning to be deported over their erroneous registrations. Beyond the bureaucratic incompetence, this is a story about the American empire designating people outside of U.S. mainland second-class citizens, or more precisely, Nationals, for no discernible reason other than keeping them as a permanent colonial underclass.* Speaking of American imperial expansion, the Financial Times reports Trump administration officials held covert meetings with fringe separatist groups from Canada's oil-rich province of Alberta, such as the far-right Alberta Prosperity Project. According to this report, separatist leaders have met with US state department officials in Washington three times since April 2025, and the separatists are seeking another meeting next month with state and Treasury officials to ask for a $500 billion credit line to help keep the province afloat financially if an independence referendum is passed. This blatant undermining of Canadian sovereignty triggered outcry in the country, with British Columbia premier David Eby saying “To go to a foreign country and to ask for assistance in breaking up Canada, there's an old fashioned word for that, and that word is treason.” This from another story in the FT.* In more Trump news, after a slew of embarrassing incidents including composer Philip Glass pulling his new Lincoln symphony from the Kennedy Center in protest and the arts director resigning after just days on the job, NPR reports the president announced he will close the center for two years for “Construction, Revitalization, and Complete Rebuilding.” As the NPR piece notes, this announcement has sent ripples of confusion through the D.C. arts world, including everyone from performers in long running shows like Shear Madness, which is currently booked at the center through October as well as unions with Kennedy Center contracts, such as the musicians of the National Symphony and backstage crew. Moreover, technically Congress would have to approve of this overhaul, though considering how deferential Republican congressional leaders have proven, they would likely rubber-stamp any proposed changes. Regardless, a long-term closure of the Kennedy Center would be a tragic loss for the cultural landscape of Washington and a humiliating acknowledgment of Trump's own mismanagement of the venerable institution.* Finally, we turn to the tiny island nation of Cuba, which has held out against imperialist pressure from the United States for so many decades. This week, President Trump told reporters “Mexico is gonna cease sending [Cuba] oil,” though he did not explain why, per Reuters. At the same time, the Guardian reports Mexican President Claudia Sheinbaum has pledged to send humanitarian aid to Cuba adding that Mexico is “exploring all diplomatic avenues to be able to send fuel to the Cuban people,” despite the pressure campaign by the United States. She further claimed that despite Trump's comments, “We never discussed…the issue of oil with Cuba.” The Reuters piece however notes that “Trump has privately questioned Sheinbaum about crude and fuel shipments to Cuba,” and Sheinbaum “responded that the shipments are ‘humanitarian aid,'” and that Trump “did not directly urge Mexico to halt the oil deliveries.” On Sunday, the Hill reported Pope Leo XIV weighed in to beseech that the two nations engage in a “sincere and effective dialogue in order to avoid violence and every action that could increase the suffering of the dear Cuban people,” echoing a call by the Bishops of Cuba.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

In this episode of Money Matters, Scott and Pat answer listener questions and explain when Roth conversions make sense, when they don't, and how taxes, IRMAA Medicare surcharges, and market volatility can change retirement outcomes. They discuss strategic gifting to adult children, helping fund Roth IRAs, 401(k)s, and HSAs without killing motivation, and walk through a real call from a retired teacher debating whether converting his accounts is worth it. Along the way, Scott and Pat break down the math behind Roth conversions, explain how pensions and Social Security affect the results, and why paying conversion taxes from retirement accounts can wipe out the benefits. If you're retired or nearing retirement and considering Roth conversions, this episode offers clear, practical guidance to avoid costly mistakes. Join Money Matters:  Get your most pressing financial questions answered by Allworth's co-founders Scott Hanson and Pat McClain. Call 833-99-WORTH. Or ask a question by clicking here.  You can also be on the air by emailing Scott and Pat at questions@moneymatters.com. Download and rate our podcast here.

Jim and Chris discuss listener emails on IRMAA appeals using Form SSA-44, avoiding the 10% early withdrawal penalty, and whether a 403(b) distribution can be rolled into an IRA. Jim also manages to turn a discussion on Superbowl food to a conversation on retirement planning for the Go-Go phase of life (with a few other stops in between). So, if you typically skip the banter you may want to tune in around (10:10) for that discussion. (16:30) George shares his experience repeatedly filing Form SSA-44 to correct IRMAA determinations and explains how Social Security processed and applied his updated income information. (35:00) A listener asks whether a qualified annuity can be used instead of a 72(t) series of substantially equal periodic payments to avoid the 10% early withdrawal penalty. (1:04:45) The guys discuss whether 403(b) distributions can be completed as 60-day rollovers into Traditional and Roth IRAs, and whether a custodian could refuse to accept the rollover. The post IRMAA, Early Withdrawal Penalty, 403b Distributions: Q&A #2606 appeared first on The Retirement and IRA Show.

Strap in for a fun ride with Kyle Jones and Matt Allgeyer on this week's “Your Retirement Highway” as they swap road trip tales, wedding breakfast secrets, and plenty of laughs—all before steering into some of the juiciest retirement planning insights you won't want to miss. Is there really such a thing as retiring “earlier than early”? The guys dish on everything from discovering your "enough number" to why paying off the mortgage might just be your secret engine for the golden years—and that's only the start.But don't let the easy banter fool you; Kyle and Matt take you deep into the nuts and bolts of how today's volatile markets, rising inflation, and even emotional readiness can shape your retirement journey. Curious how to stress-test your budget, wrangle healthcare costs, or avoid the pitfalls of “keeping up with the Joneses”? They won't spill all the beans here—tune in and uncover the real-world strategies and surprising stories that will get you thinking about your own retirement highway in a whole new way.Join Matthew Allgeyer and Kyle Jones as they dive into the crucial issues shaping your retirement. In this episode of Your Retirement Highway, our hosts discuss a key retirement topic, sharing expert advice, actionable strategies, and experiences that matter. From taxes and Social Security to long-term care and market volatility, they cover what you need to know to chart your retirement course with clarity and confidence.

How do you really know if you're ready to retire—before you turn in your notice? In this episode of Safer Retirement Radio, Brian Decker and Arrin Wray break down the six key checkpoints they use to help families move from guesswork to clarity, including the two questions that matter most: How much can you safely draw each month? How do you protect that income when markets change? You'll learn how Decker Retirement Planning approaches retirement with a math-based distribution plan that coordinates income sources (Social Security, pensions, rental income, and portfolio withdrawals), prioritizes tax efficiency, and helps reduce the risks that can derail retirement—especially in volatile markets. In this episode, we cover: The 6 key points of a retirement plan: plan, tax minimization, risk reduction, portfolio optimization, income optimization, and fee minimization Why a pie-chart portfolio isn't a retirement plan (and what a real distribution plan should show) Income needs assessment: how to calculate your retirement “gap” and plan withdrawals over time Planning for healthcare before and after Medicare, plus long-term care considerations What a retirement stress test is, and why it helps “future-proof” your plan A fast rundown of advanced tax strategies discussed on the show (e.g., donor-advised funds, CRTs, NUA, ILITs, dynasty trusts, cost segregation, GRATs), and when they may apply If you're within 5–10 years of retirement (or already retired), this episode will help you pressure-test your assumptions and understand what it takes to retire with more confidence and fewer surprises. Learn more: DeckerRetirementPlanning.com Schedule a visit / ask a question: 833-707-3030

Welcome to The Daily Wrap Up, an in-depth investigatory show dedicated to bringing you the most relevant independent news, as we see it, from the last 24 hours (2/6/26). As always, take the information discussed in the video below and research it for yourself, and come to your own conclusions. Anyone telling you what the truth is, or claiming they have the answer, is likely leading you astray, for one reason or another. Stay Vigilant. !function(r,u,m,b,l,e){r._Rumble=b,r[b]||(r[b]=function(){(r[b]._=r[b]._||[]).push(arguments);if(r[b]._.length==1){l=u.createElement(m),e=u.getElementsByTagName(m)[0],l.async=1,l.src="https://rumble.com/embedJS/u2q643"+(arguments[1].video?'.'+arguments[1].video:'')+"/?url="+encodeURIComponent(location.href)+"&args="+encodeURIComponent(JSON.stringify([].slice.apply(arguments))),e.parentNode.insertBefore(l,e)}})}(window, document, "script", "Rumble");   Rumble("play", {"video":"v737u4c","div":"rumble_v737u4c"}); Video Source Links (In Chronological Order): Saudi Arabia's Airstrikes in Yemen Killed at Least 13 Civilians in January - News From Antiwar.com Rate of Israeli Strikes on Lebanon at Highest Level Since Ceasefire - News From Antiwar.com US Launches Its 27th Airstrike in Somalia of the Year - News From Antiwar.com Trump is blasting away at Somalia with zero effect | Responsible Statecraft Pentagon Inks Massive $200 Million Deal to Buy Israeli Cluster Weapons (17) Ryan Rozbiani on X: "Every Iranian and American MUST WATCH THIS NEW

Tripp Limehouse discusses the evolving landscape of retirement, emphasizing the need for a dynamic approach to planning. Today's retirees are not just slowing down; they are actively seeking new opportunities and experiences. The conversation covers the importance of having a written retirement plan, understanding tax strategies, and the impact of technology on financial management. Tripp also highlights the significance of community and purpose in retirement, advocating for a safe money strategy to protect assets while allowing for growth. Visit Limehouse Financial to learn more. Call 800-940-6979See omnystudio.com/listener for privacy information.

In this episode:  Detailed insight into the new $6,000 Senior Deduction for taxpayers age 65+, including income phaseouts and confusion around Social Security taxability. A look at the proposed depreciation of primary residences, a radical idea never seriously floated in prior administrations. Update on student loan garnishments: 2025 refunds will not be seized for defaults, offering temporary relief to millions. Confirmation that military housing dividend checks ($1,776) are non-taxable. New installment option for taxes on the sale of qualified farmland to other farmers, under strict use restrictions and the new Section 1062. Tax implications of NIL (Name, Image, Likeness) income for college athletes, including federal taxability and potential self-employment tax. Discussion on IRS readiness issues: 2M+ unprocessed returns, phone line service drops, and staffing shortfalls. Urgent heads-up: IRS is now using processing date—not postmark date—for paper filings, emphasizing the importance of e-filing or certified mail.  

This week on the Retirement Quick Tips podcast, I'm covering the essential list of to-dos if you're planning to retire this year, or frankly, anytime in the next couple of years.  Today, I'm talking about making a social security filing game plan.

Federal employees near retirement: keeping the same TSP allocation you used at 35 could quietly erode your lifetime income, cost you tax flexibility, and expose your savings to sequence-of-returns risk that drains six figures from your hard-earned balance.Learn the three common TSP mistakes that many federal workers make — and how distribution planning, withdrawal mechanics, and retirement options can make a strategic difference. Get your FREE TSP Retirement Strategy Guide and avoid costly mistakes https://cdfinancial.org/tsp%20free%20guideSequence-of-returns risk, proportional TSP withdrawals, and knowing your post-retirement options are three often-overlooked factors that matter more than your accumulation strategy.Socials:Instagram: https://instagram.com/cdfinancial.llc/Facebook: https://facebook.com/cdfinancialLinkedIn: https://linkedin.com/company/cd-financial

You've built a nest egg between one and five million dollars—now the real work begins. We walk through the decisions that matter most in the first years of retirement, where timing your exit, securing healthcare before 65, and designing tax-aware withdrawals can add up to six figures over a lifetime. Instead of chasing market headlines, we focus on how to turn assets into a resilient paycheck that funds real goals.We start with the power of timing. Leaving in February versus July could mean capturing a final profit-sharing contribution, an RSU vest, or an extra month of employer coverage. From there, we unpack the healthcare maze: ACA marketplace plans and how income management can unlock subsidies, individual policies from major carriers, underwritten options that trade medical questions for lower premiums, and employer early-retiree plans that keep you in a familiar network. The throughline is control—matching your medical needs, doctor access, and budget while avoiding surprise gaps before Medicare starts at 65.Taxes drive the second half of the conversation. The 4% rule isn't a plan; the order of withdrawals is. We explain how filling tax brackets with partial Roth conversions can lower lifelong taxes and reduce the shock of required minimum distributions that might otherwise push you into higher rates and raise Medicare premiums. Asset location, rebalancing discipline, and a sensible cash buffer all support steady income while limiting forced sales. Then we connect the dots to Social Security: when delaying pays, how to cover the gap years, and why the best claiming decision depends on your health coverage and cash flow plan.Under all of this sits one question: what is the money for? Whether it's travel, a second home, helping grandkids, or simply not worrying about markets, clarity on purpose sets the right risk level and spending rhythm. Subscribe, share this episode with someone planning their exit, and leave a review with your top retirement question—we may feature it in a future show. Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis, TN 38137. (901) 422-7526. This communication is strictly intended for individuals residing in the United States. Advisory Services offered through Envision Financial Planning, a Registered Investment Adviser.

WWW.ADVENTUREFREAKSSS.COM Find your Ideal Destination Here: https://adventurefreaksss.com/ideal-destination-finder/ ================================= How to work with me: =================================

Chris's SummaryJim and I discuss spending anxiety in retirement using a Washington Post article written by a personal finance columnist describing her fear of spending after her husband retires. We look at why the shift from saving to spending can feel destabilizing even when pensions and Social Security are in place, and why fear can persist despite adequate planning. We also address the difference between spending income and spending savings, and how that distinction often affects behavior once retirement begins. Jim's “Pithy” SummaryChris and I use a Washington Post article as a jumping-off point to talk about the moment retirement stops being theoretical and the fear around spending often shows up. The part that stuck with me in this situation is that nothing went wrong. One spouse retires. The other is still working. Pensions are there. Social Security is there. The house is paid off. And the fear shows up anyway. That's what made me save the article in the first place. She writes about personal finance for a living, and she's still cutting small expenses, feeling better for five minutes, and then right back to worrying. I've said it before, and I'll say it again—I don't expect to be immune to that when it's my turn. What keeps coming up for me is how differently people react to where the money comes from. Most people are comfortable spending a pension check or a Social Security deposit. It's like a bottomless cup of coffee—you don't think about the last sip because another one's coming. But savings? That's different. Even when the math works, even when the plan says you're fine, drawing from something you've built for decades feels heavier. That's where the spending anxiety shows up. Spending slows down. Decisions get second-guessed. Things get pushed out a year at a time. Not because people can't afford them, but because the shift from saving to spending is uncomfortable. Show Notes: Article: My husband just retired. I’m scared of running out of money. The post Retirement Spending Anxiety: EDU #2605 appeared first on The Retirement and IRA Show.

⚖️ In this intense, opinion-driven episode, the hosts break down the political clash surrounding the SAFE Act — legislation that would require proof of U.S. citizenship for voter registration and mandate federal voter roll audits.

Jeff Weniger, head of equity strategy at WisdomTree Asset Management, worries that there may be "an upside CPI surprise" coming in the second half of the year, but he also says there is "the risk of upside economic surprises" now, evidenced in the market action, where he sees basic materials, energy and "things that come out of the ground" like commodities and oil leading the way. Those are assets that normally lead late in the economic cycle, and he expects them to stay strong through 2026. Weniger also discusses why President Trump's recent nomination of Kevin Warsh as the next Federal Reserve chairman has Wall Street scrambling with changing expectations and outlooks. Chuck goes off the news with Bob Powell, retirement columnist at TheStreet.com, to discuss his recent piece on why "focusing on the break-even point" leads many Americans to make the wrong Social Security decision. Powell notes that break-even analysis is mostly used to formulate a bet on longevity, rather than focusing on the income and inflation-protection elements that Social Security is built to provide.  In the Book Interview, Becky Robison, author of "My Parents Are Dead: What Now? A Panic-Free Guide to the Practicalities of Death," discusses the challenges facing most people as they face, unprepared, the mortality of their parents. Robison discusses her own experience after the death of her parents which, she notes, was way different than what she was prepared for by years of watching tv and movies that had her expecting a neat, tidy and orderly process.  

#686: Rachel: Rachel is new to investing and has noticed the stock market being dominated by AI companies. She wants to make sure her portfolio is balanced without overexposing herself.Should she rethink her index fund strategy to protect against a potential AI bubble? Sarah: Sarah just turned 65, owns her home outright, and has been relying on credit cards since losing her job last year. She's weighing whether to claim Social Security now, pay off debt, remodel her home, or convert her traditional IRA to a Roth.How should she prioritize these major financial moves while balancing income, debt, and retirement accounts? Anonymous “Julie”: This listener is on COBRA after her spouse took a federal buyout and is exploring starting a small business with her two young kids to teach them entrepreneurship.Will employer-provided health insurance fade away, and how can she test business ideas before fully committing? Resources Mentioned: Books:  So Good They Can't Ignore You by Cal Newport The E-Myth by Michael Gerber Traction by Gino Wickman The Lean Startup by Eric Ries Learn more about your ad choices. Visit podcastchoices.com/adchoices

1. Short, Limited Government Shutdown Most federal agencies and benefits (Social Security, Medicare/Medicaid, food assistance, mail service, passports) are unaffected. The shutdown mainly impacts non‑essential services and is expected to last only a few days. Shutdowns are often politically exaggerated, and that even full shutdowns leave most government operations running. 2. Detransitioner Lawsuit as a Legal Turning Point A New York jury verdict awarded $2 million to a woman who underwent gender‑related breast removal surgery as a minor and later detransitioned. The case is presented as: The first successful malpractice/detransitioner lawsuit of its kind. A potential precedent that could encourage similar lawsuits nationwide. The argument is this: to Change medical and hospital behavior. Increase legal scrutiny of gender‑affirming care for minors. Gender‑transition procedures for minors have become a profitable industry. Some hospitals and professionals allegedly prioritize financial incentives and ideology over long‑term patient welfare. The lawsuit can be a tool too: Hold professionals financially and legally accountable. Deter similar practices through litigation risk. 3. Trump’s Withdrawal from UN Agencies and Treaties Withdrew the U.S. from 66 United Nations agencies, programs, and international commitments. Cut or refused funding to several UN bodies, contributing to a UN financial crisis. A move to reduce U.S. taxpayer spending. A rejection of what they characterize as ineffective or ideologically driven international programs. The UN is financially mismanaged and overly dependent on U.S. funding. Please Hit Subscribe to this podcast Right Now. Also Please Subscribe to the 47 Morning Update with Ben Ferguson and The Ben Ferguson Show Podcast 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 YouTube: https://www.youtube.com/@VerdictwithTedCruz/ Facebook: https://www.facebook.com/verdictwithtedcruz X: https://x.com/tedcruz X: https://x.com/benfergusonshowYouTube: https://www.youtube.com/@VerdictwithTedCruzSee omnystudio.com/listener for privacy information.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3444: J.L. Collins breaks down the practical and emotional decision-making behind when to start collecting Social Security, offering a no-nonsense framework based on personal need, life expectancy, and long-term planning. He challenges fear-driven decisions with data-backed reasoning, urging younger generations to assume less generous benefits while still focusing on financial independence through smart investing and low-cost living. Read along with the original article(s) here: http://jlcollinsnh.com/2013/01/29/social-security-how-secure-and-when-to-take-it/ Quotes to ponder: "When do I need the money? If you genuinely need the money right now, nothing else matters." "I'm realistic enough to know most people are goofs with their money. Without Social Security many would be back to living on cat food." "Plan your financial future assuming Social Security will NOT be there for you." Learn more about your ad choices. Visit megaphone.fm/adchoices

David's story feels familiar to a lot of people in their late fifties and early sixties. After a long career in asset management, a role change and pandemic burnout became the nudge he didn't know he needed. At sixty, he finally decided to stop working not because he had to, but because he could.He describes retirement in one word: possibility. Time with friends, hikes during the week, early dinners without rushing, and yes, plenty of pickleball. The new rhythm isn't about adding more activities. It's about having choice. He's still curious, still learning, still pushing himself with new skills and fresh goals, just without the pressure to perform.David also talks about what made the decision easy and what made it hard. Leaving a good job wasn't simple. Letting go of structure took practice. But he found freedom in quiet mornings, long walks, and realizing he didn't need a title to feel fulfilled.The conversation turns to money, too. The reality of how decades of steady saving built flexibility, how modest spending supports a rich life, and how “enough” means something different now. He's planning thoughtfully for Social Security, Roth conversions, and even legacy for his daughters, while still reminding himself to enjoy the present.If you're in your fifties or sixties wondering what's next, this episode is for you. You'll hear how stepping away from work can open new space to live, learn, and move at your own pace. Sometimes the next chapter isn't about doing more. It's about finally breathing.Interested in a custom strategy to retire early? → https://www.rootfinancial.com/start-here/Get access to the same software I use in my videos and join the Early Retirement Academy here  → https://ari-taublieb.mykajabi.com/early-retirement-academyWant to be a guest on THIS show and help others by sharing your story? Complete this: https://vwo3759x8i7.typeform.com/to/gh00JmnZ--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.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3443: J.L. Collins reflects on his long-standing skepticism of Social Security, only to find it surprisingly robust as he nears eligibility. By walking through the history, mechanics, and current realities of the system, including its $2.7 trillion Trust Fund, Collins dispels common fears and explains why the benefits are still far more solid than many assume. Read along with the original article(s) here: http://jlcollinsnh.com/2013/01/29/social-security-how-secure-and-when-to-take-it/ Quotes to ponder: "It is important to understand that any time you invest money, that money gets spent." "Cash is a really lousy way to hold money long-term. Little by little it gets destroyed by inflation." "All my financial planning has been based on the idea that if it wasn't, no problem. If it was, that would be a pleasant surprise." Episode references: AARP: https://www.aarp.org Social Security: https://www.ssa.gov Learn more about your ad choices. Visit megaphone.fm/adchoices