Podcasts about social security

This time of year tax forms start landing in your mailbox. Clark clears the confusion and misinformation around the IRS's Direct File vs Free File offerings. Also, a topic sure to generate a lot of Clark Stinks - Clark's opinion on why you should wait until age 70 to take social security - with two exceptions. Tax Filing Changes: Segment 1 Ask Clark: Segment 2 Social Security: Segment 3 Ask Clark: Segment 4 Mentioned on the show: IRS Direct File won't be available next year. Here's what that means for taxpayers Which Documents Should You Keep and for How Long? How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion Will Social Security Run Out? When Is the Best Time To Collect Social Security? Wait Until 70 to Claim Social Security. Don't Let These Myths Convince You Otherwise Where Should I Set Up My Health Savings Account (HSA)? Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Social Security headlines are everywhere, and much of what federal employees are hearing is confusing, incomplete, or flat-out wrong. In this episode of Plan Your Federal Retirement, Floyd Shilanski, Wealth Manager, cuts through the noise and explains what federal employees actually need to know about Social Security as retirement approaches. https://zurl.co/awQVP

Prince Andrew's downfall has accelerated sharply in the wake of fresh allegations tied to Jeffrey Epstein and the explosive release of Virginia Giuffre's memoir, Nobody's Girl. The book recounts new details about Andrew's alleged sexual encounters with Giuffre while she was being trafficked as a minor by Epstein. These revelations reignited public outrage and renewed scrutiny over Andrew's long-denied relationship with both Epstein and Ghislaine Maxwell. Buckingham Palace has reportedly been forced into damage control, with King Charles III supporting Andrew's decision to give up his “Duke of York” title and remaining royal honors. The palace has publicly stated that the new allegations must be fully investigated, signaling growing institutional distance from Andrew as pressure mounts for full transparency and accountability.Adding to his disgrace, newly surfaced claims allege that Andrew attempted to orchestrate an online smear campaign against Giuffre to salvage his reputation. According to The Guardian's coverage of the memoir, the prince and his aides tried to hire internet trolls to harass Giuffre online and even sought access to her private information, including her Social Security number. Reports indicate that the Metropolitan Police have opened an inquiry into whether Andrew misused his royal security detail or other public resources during this smear campaign. Parliamentarians are also reportedly pushing to strip him of any remaining titles and privileges, as his reputation continues to collapse under the weight of new evidence and public disgust over his conduct.Also...Ian Maxwell, brother of convicted sex trafficker Ghislaine Maxwell, publicly smeared Virginia Giuffre by labeling her “the real monster” in the Epstein saga, claiming she was the one who “ruined lives.” In a tone dripping with contempt, Maxwell reversed the narrative of survivor and perpetrator, portraying Giuffre not as a victim of child sex trafficking, but as a malicious force responsible for the downfall of others. He claimed that Giuffre had “profited” from her accusations and implied that her allegations lacked credibility—completely ignoring the fact that his sister was convicted in a U.S. federal court, and that Giuffre's testimony and civil suits helped bring global attention to Epstein's trafficking ring.Maxwell's comments weren't just tone-deaf—they were a grotesque display of gaslighting and reputational warfare against a survivor of child abuse. Rather than addressing his sister's crimes or acknowledging the systemic exploitation she helped carry out, Ian Maxwell chose to attack one of the few women courageous enough to confront the monster head-on. His remarks attempted to muddy the moral waters, deflect guilt, and assassinate the character of a woman who endured horrific abuse. In doing so, Ian Maxwell made it clear that his family's legacy of denial and elite entitlement is alive and well—even in disgrace.to contact me:bobbycapucci@protonmail.com

YMYW friends, welcome to 2026. What actually mattered most to you in 2025? It turns out to be tax-free gains on investments, retirement timing, and claiming Social Security. Today on Your Money, Your Wealth® podcast number 563, Joe Anderson, CFP® and Big Al Clopine, CPA break down the smartest tax moves, the biggest Roth mistakes to avoid, and how real people solve real retirement problems - with the help of special guests Susan Brandeis CFP® and the IRA guru, Ed Slott, CPA. Find out when Roth conversions help or hurt, how to lower lifetime taxes for you and your heirs, what it really takes to retire confidently, even without a massive portfolio, and more. Watch or listen and steal the financial strategies that made YMYW's most popular episodes of the year.  Free Financial Tools & Resources in This Episode: https://bit.ly/ymyw-563 (full show notes & episode transcript) The Complete Roth Papers Package - 3 free downloads in one! Don't Let These 10 Risks Break Your Retirement - YMYW TV Financial Blueprint (self-guided) EASIRetirement (self-guided) Financial Assessment (Meet with an experienced professional) LISTEN to the Best of the YMYW Podcast 2021,  2022,  2023, 2024 LISTEN to the Top Funniest Moments from the YMYW Podcast Vol. 1, Vol. 2 REQUEST your Retirement Spitball Analysis DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter   Connect With Us: YouTube: Subscribe and join the conversation in the comments Podcast apps: subscribe or follow YMYW in your favorite Apple Podcasts: leave your honest reviews and ratings   Chapters: 00:00 - Intro: This Week on the YMYW Podcast 00:54 - Roth IRA is "The Greatest Account Ever" Per Ed Slott. But Why? from ep. 526: YMYW most listeners and plays in 2025 on Apple Podcasts, YMYW most downloaded in 2025 across all podcast platforms 20:46 - Is There a Point Where Roth Conversions No Longer Make Sense? (Jerry, Phoenix, AZ) from ep. 535: YMYW most views, watch time, and new subscribers in 2025 on YouTube, most engaged listeners in 2025 on Apple Podcasts 32:13 - Roth Conversions vs. Taking Advantage of Zero Percent Cap Gains (Skipper, CA) from ep. 517: YMYW most consumed episode in 2025 on Apple Podcasts 43:06 - We're in Our Early 40s with $795K Saved. Can We Retire at 55? (Mr Buckeye, OH) from ep. 546: YMYW longest average view duration in 2025 on YouTube 55:12 - Is My Husband Eligible for Spousal Social Security Benefits Now that WEP and GPO Are Gone? (Cherilyn, El Cajon, CA) from ep. 536: YMYW most plays, most listeners, and most viewers in 2025 on Spotify 59:53 - Outro: 2025 Stats and Next Week on the YMYW Podcast

How long would $1.5 million really last in retirement—and what if you’re forced to retire before you’re ready? In this episode, Art McPherson breaks down the realities of taxes, Social Security, and unexpected life changes, sharing practical strategies for building a resilient retirement plan. From navigating Medicare premiums to setting meaningful goals instead of empty resolutions, discover how to adapt, thrive, and make your money work for you—no matter what the new year brings. For more information visit www.artofmoney.com! Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Pastor Dexter Jenkins. Purpose of the Interview The interview aimed to educate and inspire listeners about wealth creation through real estate and financial literacy, particularly for individuals over 50. Pastor Jenkins shared strategies for building generational wealth, shifting mindsets about money, and leveraging real estate as a primary tool for financial independence. Key Takeaways Intersection of Faith, Finance, and BusinessPastor Jenkins emphasizes that faith and financial success are not mutually exclusive. He advocates using biblical principles as a success manual, especially from Proverbs. Real Estate as “Low-Hanging Fruit” for WealthReal estate is one of the simplest and most effective ways to build wealth because land is finite and historically valuable. Mindset Over MoneyWealth building starts with changing beliefs about money. Many misconceptions learned in childhood or church need to be unlearned. Refire, Don’t RetireFor those over 50, Jenkins encourages leveraging life experience to create new income streams instead of slowing down. Social Security Reality CheckThe average Social Security check (~$1,400/month) is insufficient for most Americans, highlighting the need for personal wealth strategies. The SHIP Method Stewardship: Direct your money intentionally. Ownership: Own assets that appreciate and generate cash flow. Entrepreneurship: Consider business ownership as a wealth-building tool. Education Before ActionStart with learning—books, podcasts, seminars—before diving into real estate or other ventures. Community Wealth BuildingJenkins supports initiatives like “buying back the block” to revitalize neighborhoods and build collective wealth. Secrets to SuccessDesire, planning, education, and execution are essential. Dreams without plans remain dreams. Upcoming ResourcesJenkins is releasing a book: The Real Estate Wealth Creation Blueprint, offering practical steps for using real estate to build wealth. Notable Quotes “Real estate is the lowest hanging fruit on the wealth creation tree.” “People came here to work the land—now it’s time for us to own it.” “It’s not time to retire; it’s time to refire.” “Social Security was designed for a different era. You can’t live on $1,400 a month in America.” “The Bible is more than religion—it’s a success manual.” “If you don’t have a desire for wealth, we can talk all day and nothing will change.” “Stewardship, Ownership, Entrepreneurship—those are the pillars of wealth.” #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Pastor Dexter Jenkins. Purpose of the Interview The interview aimed to educate and inspire listeners about wealth creation through real estate and financial literacy, particularly for individuals over 50. Pastor Jenkins shared strategies for building generational wealth, shifting mindsets about money, and leveraging real estate as a primary tool for financial independence. Key Takeaways Intersection of Faith, Finance, and BusinessPastor Jenkins emphasizes that faith and financial success are not mutually exclusive. He advocates using biblical principles as a success manual, especially from Proverbs. Real Estate as “Low-Hanging Fruit” for WealthReal estate is one of the simplest and most effective ways to build wealth because land is finite and historically valuable. Mindset Over MoneyWealth building starts with changing beliefs about money. Many misconceptions learned in childhood or church need to be unlearned. Refire, Don’t RetireFor those over 50, Jenkins encourages leveraging life experience to create new income streams instead of slowing down. Social Security Reality CheckThe average Social Security check (~$1,400/month) is insufficient for most Americans, highlighting the need for personal wealth strategies. The SHIP Method Stewardship: Direct your money intentionally. Ownership: Own assets that appreciate and generate cash flow. Entrepreneurship: Consider business ownership as a wealth-building tool. Education Before ActionStart with learning—books, podcasts, seminars—before diving into real estate or other ventures. Community Wealth BuildingJenkins supports initiatives like “buying back the block” to revitalize neighborhoods and build collective wealth. Secrets to SuccessDesire, planning, education, and execution are essential. Dreams without plans remain dreams. Upcoming ResourcesJenkins is releasing a book: The Real Estate Wealth Creation Blueprint, offering practical steps for using real estate to build wealth. Notable Quotes “Real estate is the lowest hanging fruit on the wealth creation tree.” “People came here to work the land—now it’s time for us to own it.” “It’s not time to retire; it’s time to refire.” “Social Security was designed for a different era. You can’t live on $1,400 a month in America.” “The Bible is more than religion—it’s a success manual.” “If you don’t have a desire for wealth, we can talk all day and nothing will change.” “Stewardship, Ownership, Entrepreneurship—those are the pillars of wealth.” #SHMS #STRAW #BESTSee omnystudio.com/listener for privacy information.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Pastor Dexter Jenkins. Purpose of the Interview The interview aimed to educate and inspire listeners about wealth creation through real estate and financial literacy, particularly for individuals over 50. Pastor Jenkins shared strategies for building generational wealth, shifting mindsets about money, and leveraging real estate as a primary tool for financial independence. Key Takeaways Intersection of Faith, Finance, and BusinessPastor Jenkins emphasizes that faith and financial success are not mutually exclusive. He advocates using biblical principles as a success manual, especially from Proverbs. Real Estate as “Low-Hanging Fruit” for WealthReal estate is one of the simplest and most effective ways to build wealth because land is finite and historically valuable. Mindset Over MoneyWealth building starts with changing beliefs about money. Many misconceptions learned in childhood or church need to be unlearned. Refire, Don’t RetireFor those over 50, Jenkins encourages leveraging life experience to create new income streams instead of slowing down. Social Security Reality CheckThe average Social Security check (~$1,400/month) is insufficient for most Americans, highlighting the need for personal wealth strategies. The SHIP Method Stewardship: Direct your money intentionally. Ownership: Own assets that appreciate and generate cash flow. Entrepreneurship: Consider business ownership as a wealth-building tool. Education Before ActionStart with learning—books, podcasts, seminars—before diving into real estate or other ventures. Community Wealth BuildingJenkins supports initiatives like “buying back the block” to revitalize neighborhoods and build collective wealth. Secrets to SuccessDesire, planning, education, and execution are essential. Dreams without plans remain dreams. Upcoming ResourcesJenkins is releasing a book: The Real Estate Wealth Creation Blueprint, offering practical steps for using real estate to build wealth. Notable Quotes “Real estate is the lowest hanging fruit on the wealth creation tree.” “People came here to work the land—now it’s time for us to own it.” “It’s not time to retire; it’s time to refire.” “Social Security was designed for a different era. You can’t live on $1,400 a month in America.” “The Bible is more than religion—it’s a success manual.” “If you don’t have a desire for wealth, we can talk all day and nothing will change.” “Stewardship, Ownership, Entrepreneurship—those are the pillars of wealth.” #SHMS #STRAW #BESTSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Prince Andrew's downfall has accelerated sharply in the wake of fresh allegations tied to Jeffrey Epstein and the explosive release of Virginia Giuffre's memoir, Nobody's Girl. The book recounts new details about Andrew's alleged sexual encounters with Giuffre while she was being trafficked as a minor by Epstein. These revelations reignited public outrage and renewed scrutiny over Andrew's long-denied relationship with both Epstein and Ghislaine Maxwell. Buckingham Palace has reportedly been forced into damage control, with King Charles III supporting Andrew's decision to give up his “Duke of York” title and remaining royal honors. The palace has publicly stated that the new allegations must be fully investigated, signaling growing institutional distance from Andrew as pressure mounts for full transparency and accountability.Adding to his disgrace, newly surfaced claims allege that Andrew attempted to orchestrate an online smear campaign against Giuffre to salvage his reputation. According to The Guardian's coverage of the memoir, the prince and his aides tried to hire internet trolls to harass Giuffre online and even sought access to her private information, including her Social Security number. Reports indicate that the Metropolitan Police have opened an inquiry into whether Andrew misused his royal security detail or other public resources during this smear campaign. Parliamentarians are also reportedly pushing to strip him of any remaining titles and privileges, as his reputation continues to collapse under the weight of new evidence and public disgust over his conduct.Also...Ian Maxwell, brother of convicted sex trafficker Ghislaine Maxwell, publicly smeared Virginia Giuffre by labeling her “the real monster” in the Epstein saga, claiming she was the one who “ruined lives.” In a tone dripping with contempt, Maxwell reversed the narrative of survivor and perpetrator, portraying Giuffre not as a victim of child sex trafficking, but as a malicious force responsible for the downfall of others. He claimed that Giuffre had “profited” from her accusations and implied that her allegations lacked credibility—completely ignoring the fact that his sister was convicted in a U.S. federal court, and that Giuffre's testimony and civil suits helped bring global attention to Epstein's trafficking ring.Maxwell's comments weren't just tone-deaf—they were a grotesque display of gaslighting and reputational warfare against a survivor of child abuse. Rather than addressing his sister's crimes or acknowledging the systemic exploitation she helped carry out, Ian Maxwell chose to attack one of the few women courageous enough to confront the monster head-on. His remarks attempted to muddy the moral waters, deflect guilt, and assassinate the character of a woman who endured horrific abuse. In doing so, Ian Maxwell made it clear that his family's legacy of denial and elite entitlement is alive and well—even in disgrace.to contact me:bobbycapucci@protonmail.comBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-epstein-chronicles--5003294/support.

In this episode, we take a step back from the scary headlines about a possible market crash in 2026 and talk about what really matters when planning for the future. Using real-life examples, we explain how playing it too safe can actually hurt you over time by limiting growth and ignoring important pieces like Social Security. We also shift the focus from vague financial goals to clear life priorities, and identify the things that truly need to be funded and when.   Get In Touch: Schedule An Introductory Call - https://calendly.com/bdoe/15min Call Directly - 706-451-9800

Watch The X22 Report On Video No videos found (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:17532056201798502,size:[0, 0],id:"ld-9437-3289"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");pt> Click On Picture To See Larger PictureThe [CB] is panicking, Trump is now reversing their entire system, The D’s have no choice but to fold and go along with Trump’s no tax on tips etc, they resisted but the people complained, this will not work out well for them. Trump is now lowering the fuel prices by unleashing Venezuela’s oil, this will be used to go against the [DS]. Trump is in the process of dismantling the [DS], Venezuela has been released from the [DS] grasp. Maduro was arrested and brought to the US to stand trial. Maduro will most likely assist with the overthrow of the US government in 2020. The flow of money, training of terrorist happened in Venezuela, it is all coming to an end, soon the other countries will fall and the people will take them back. The world is being returned to the people. Economy (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:18510697282300316,size:[0, 0],id:"ld-8599-9832"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs"); Kathy Hochul Caves On ‘No Tax On Tips’ Trump's One Big Beautiful Bill made a straightforward promise: more money in workers' pockets. The plan eliminated the federal tax on tips and overtime pay for linemen and factory workers, and created a new deduction for seniors relying on Social Security. Treasury Secretary Scott Bessent called it “the most pro-worker, pro-family legislation in a generation.”   several blue-state governors were refusing to reciprocate by eliminating state taxes on tips, including Govs. Kathy Hochul (D-N.Y.), J.B. Pritzker (D-Ill.), and Jared Polis (D-Colo.). Treasury Secretary Scott Bessent accused them of “deliberately blocking their own residents” from the bill's benefits at the state level. Bessent made clear that states that refused to comply with the law should expect consequences. “Treasury stands ready to work with any state committed to delivering on that promise, but we will not stand idly by as this obstructionism drags down the national recovery,” he said. “This is about fairness. This is about opportunity. And this is about putting America first, starting with the families and workers who make our economy the envy of the world.” Kathy Hochul has now caved. On New Year's Day, she announced that New York will finally move to exempt service workers' tips from state income taxes on up to $25,000 in tipped income.   “Starting today, tax rates for the vast majority of lower and middle-class New Yorkers will be cut, families with children will see a sweeping increase in the child tax credit, and minimum wage workers across the state will see their wages go up. I'm kicking the new year off with a proposal of no state income tax on tips, continuing my efforts to make New York more affordable for hard working New Yorkers.” The change comes only after months of outrage from restaurant owners and service workers who accused Albany of putting politics ahead of paychecks. Service industry workers noticed and called it a slap in the face to people barely scraping by in such an expensive state.   Source: zerohedge.com https://twitter.com/disclosetv/status/2007496574889537687?s=20 https://twitter.com/KobeissiLetter/status/2007500910277325260?s=20 https://twitter.com/TKL_Adam/status/2007468568619696559?s=20  damaged last night. On top of this, President Trump says the US will be “very much involved” in Venezuela’s oil industry going forward and China is “going to get oil.” In 2010, Venezuela was producing over 3 million barrels of oil per day, now down to ~900,000. If the US truly takes control of Venezuela’s oil industry, MUCH more supply is coming to market. Oil and gas prices would head much lower. Geopolitical https://twitter.com/KatieMiller/status/2007541679293944266?s=20 https://twitter.com/JoeBiden/status/1274910217508196352?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1274910217508196352%7Ctwgr%5E7e79690e7ff94a98319d1a5f7cef15f68e12ceb9%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2026%2F01%2Fjoe-bidens-old-tweet-claiming-trump-admires-thugs%2F https://twitter.com/willchamberlain/status/2007652410077086175?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2007652410077086175%7Ctwgr%5Ee26360c03ca670b2e4da2b86849c02fab10ca741%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2026%2F01%2Fjust-kamala-harris-gets-lit-up-x-after%2F Panamanian dictator Manuel Noriega surrendered to U.S. forces on January 3, 1990, after seeking refuge for 10 days in the Vatican’s embassy (Papal Nunciature) in Panama City.  This event marked the end of Operation Just Cause, the U.S. invasion of Panama that began on December 20, 1989, under President George H.W. Bush, aimed at deposing Noriega and bringing him to face U.S. charges of drug trafficking, money laundering, and racketeering.  To pressure Noriega into surrendering, U.S. psychological operations teams blasted loud rock music—including tracks like Guns N’ Roses’ “Welcome to the Jungle,” Twisted Sister’s “We’re Not Gonna Take It,” and Van Halen’s “Panama”—at the embassy nonstop, contributing to his decision to give up.   He was immediately flown to Miami, where he stood trial, was convicted in 1992, and initially sentenced to 40 years in prison (later reduced).  After serving time in the U.S., Noriega was extradited to France in 2010 for money laundering charges, and finally to Panama in 2011 to face additional sentences for murder, corruption, and human rights abuses during his rule.   He died in Panama in 2017 while under house arrest for medical reasons.   The invasion itself involved around 25,000 U.S. troops, resulting in 23 American deaths, hundreds wounded, and estimates of 200–4,000 Panamanian civilian casualties, drawing international criticism despite achieving its primary objective. https://twitter.com/BillAckman/status/2007796748631314839?s=20 https://twitter.com/bennyjohnson/status/2007549887098040495?s=20  https://twitter.com/CynicalPublius/status/2007518675641983427?s=20   advance. Trump Admin's Top Secret Maduro Military Operation Plans Reportedly Leaked To Legacy Media Outlets Despite an unidentified party leaking plans of the Trump administration's top secret military operation targeting Nicolás Maduro in Venezuela to both The New York Times and the Washington Post, neither publication decided to expose it, Semafor reported Saturday night. Two anonymous sources, described as familiar with the communication between the administration and media outlets, told Semafor that both outlets declined to break the news on the operation before it happened out of concern for U.S. troops involved. The military incursion, carried out early Saturday, resulted in the capture and ouster of socialist dictator Nicolás Maduro, whom a grand jury later indicted on four charges, including narco-terrorism conspiracy. The identity of the leaker or leakers was not made public as of Sunday morning. Source: dailycaller.com https://twitter.com/ElectionWiz/status/2007811723013603611?s=20 Russia, China Demand That US Immediately Release Maduro From Custody Within mere hours after President Trump announced the Saturday capture by US forces of Venezuelan President Nicolás Maduro and his wife after a brief shock bombing campaign and special forces operation in Caracas, Russia has demanded from Washington his immediate release. “We firmly call on the U.S. leadership to reconsider this position and release the lawfully elected president of a sovereign country and his wife,” the Russian Foreign Ministry said in a statement, and described that the crisis should be resolved through diplomatic means. “Russia will continue to support the course pursued by its Bolivarian leadership to defend the country’s national interests and sovereignty,” the Foreign Ministry said, while also calling for restraint and cautioning against further escalation. China has joined Moscow’s calls for the immediate release of Maduro from US custody: China has called on the United States to immediately releaaljazeera.com/…/china-urges-us-to-stop-toppling-venezuelan-government-release-madurose Venezuelan President Nicolas Maduro after Washington carried out massive military strikes on the capital, Caracas, as well as other regions, and abducted the leader. Beijing on Sunday insisted the safety of Maduro and his wife Cilia Flores be a priority, and called on the US to “stop toppling the government of Venezuela,” calling the attack a “clear violation of international law“. https://twitter.com/alaynatreene/status/2007491168389525809?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2007491168389525809%7Ctwgr%5E1cec862879fed0a0919d0a99238a33d07975d1bb%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.zerohedge.com%2Fgeopolitical%2Frussia-china-demand-us-immediately-release-venezuelas-maduro Source: zerohedge.com China has embedded operational control into critical mineral extraction that feeds weapons manufacturing  Iran has established drone production facilities within strike range of the continental United States. Russia has deployed military advisers and integrated air defense systems in the Caribbean. Venezuela represents the only location where all three adversaries operate simultaneously https://twitter.com/CynicalPublius/status/2007644800779169936?s=20   legitimate, outstanding US drug charges from 2020, the real reason for the military operations early this morning is that neutralizing Maduro’s Venezuela had become a strategic imperative for the USA. Under Maduro, Venezuela had become the Latin American crossroads for all of the USA’s principal enemies. Maduro was nurturing relationships with Russia, Hezbollah and Iran. Worst of all, Venezuela was eagerly becoming a part of Red China’s Belt & Road initiative. As America’s enemies were lining up Venezuela as their base of operations in the Western Hemisphere to cause mischief and destruction for the USA, Maduro was at the same time making Venezuela a crossroads, safe haven and enabler for all manner of narcoterrorist operations, ranging from Colombia’s FARC to Mexico’s Sinaloa cartel. On top of all that, Venezuela had become a key player in the illegal alien invasion of the USA, shipping its very worst to the USA in a deliberate and comprehensive destabilizing operation that might have worked had Donald Trump not won in 2024. Next in importance: oil. The global and regional ambitions of both China and Russia are in large part dependent on the politics of petroleum, and the USA just deprived both of the cudgel afforded by friendly Venezuelan oil. Trump opponents say “It’s about oil” as if that was a bad thing. Yeah, it’s about oil. Finally, all of this was in keeping with the most essential and fundamental foreign policy mandate of the USA almost since the nation’s inception: the Monroe Doctrine. Operations like what Maduro was running simply cannot be allowed in the Western Hemisphere. Trump was right for falling back on this most basic of doctrines that protects the USA’s sovereignty. So was Maduro seized because of some five year-old drug charges? Yes. Legally–yes. However, like so many strategic issues in the world today, an action needed to be backed by the fine points of law, and it was. But the reality is that the Maduro takedown was a Monroe Doctrine-driven necessity that has greatly enhanced the power and national security of the USA. Congratulations, Donald Trump, Marco Rubio, Pete Hegseth and the rest of the Trump national security team: you boldly took the steps necessary to defend the USA. Well done. https://twitter.com/EndWokeness/status/2007597322549469370?s=20  Uh… but what about America 1st!!!!” Dominating our hemisphere is America 1st.  READ: Maduro Indictment Unsealed  https://twitter.com/AGPamBondi/status/2007468832567222274?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2007468832567222274%7Ctwgr%5Ea380e4654af6dbcd0ced13d78085deb2a2a57e8d%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2026%2F01%2Fread-maduro-indictment-unsealed%2F Read the indictment here. The grand jury indicted Maduro, his wife, Cilia Flores and four others on four counts: Narco-terrorism conspiracy, cocaine importation conspiracy, possession of machine guns and destructive devices, and conspiracy to possess machine guns and destructive devices. “Nicolas Maduro Moros, the defendant, now sits atop a corrupt, illegitimate government that, for decades, has leveraged government power to protect and promote illegal activity, including drug trafficking,” the indictment read. “That drug trafficking has enriched and entrenched Venezuela's political and military elite, including Minister of the Interior, Justice and Peace Diosado Cabello Rondon, the defendant, and former Minister of the Interior and Justice Ramon Rodriguez Chachin, the defendant,” the charging document read. The White House absolutely savaged Maduro on Saturday. Source: thegatewaypundit.com https://twitter.com/mrddmia/status/2007459071985676697?s=20 https://twitter.com/CynicalPublius/status/2007412199132934453?s=20   with it. Go America! https://twitter.com/marcorubio/status/2007404924393697601?s=20 https://twitter.com/disclosetv/status/2007510867307626848?s=20 https://twitter.com/disclosetv/status/2007503643453559225?s=20 https://twitter.com/disclosetv/status/2007737447631945888?s=20 https://twitter.com/disclosetv/status/2007759220851327278?s=20 War/Peace https://twitter.com/ElectionWiz/status/2007814479892111690?s=20  Years after he left office, a reflective Barack Obama admitted that he and his administration made a “mistake” in not forcefully supporting an Iranian civilian uprising in 2009 that could have ousted that country's ruing mullahs. Faced with a fresh protest movement 16-plus years later led by street vendors, President Donald Trump has taken the opposite tact in a robust embrace of everyday Iranians that caught the attention of Tehran. If Iran “violently kills peaceful protesters, which is their custom, the United States of America will come to their rescue,” Trump wrote in a 3 a.m. post Friday on his TruthSocial platform. “We are locked and loaded and ready to go.”  The president was not more specific about his intentions, but Iranian dissidents and non-official Trump advisers cheered the statement and said it set the stage for tougher sanctions or other actions by the administration. Interesting Timing – Zelenskyy Planning to Remove Head of the Security Service of Ukraine This is very interesting timing considering the recent denial by Zelenskyy that Ukraine had anything to do with the attack on Russian President Vladimir Putin's residence. According to Politico, Zelenskyy is removing Vasyl Malyuk as head of the Security Service of Ukraine (SBU), the state's top counterintelligence agency. Malyuk previously worked with British intelligence on operation “Spiderweb” where Ukrainian drones hit Russia's strategic bombers on several protected airfields (USA not informed). Source: theconservativetreehouse.com [DS] Agenda  President Trump's Plan FBI Thwarts ISIS-Inspired New Year’s Eve Terror Plot In North Carolina The FBI said it foiled an ISIS-inspired New Year's Eve terror attack in North Carolina. Suspect Christian Sturdivant, 18, was arrested on Dec. 31 and charged with attempting to provide material support to a foreign terrorist organization, U.S. Attorney for the Western District of North Carolina Russ Ferguson said at a Jan. 2 press conference. Sturdivant appeared in court on Jan. 2. A U.S. citizen, Sturdivant had allegedly planned the attack for about a year, according to Ferguson. A hand-written document titled “The New Year's Eve Attack 2026” was found in Sturdivant's bedroom trash can and included a section labeled, “martyrdom Op,” court papers claim.  Sturdivant read ISIS material online, visited the terrorist group's websites, and made TikTok videos, Ferguson said. Source: zerohedge.com Former CBS Reporter Catherine Herridge Reveals How Executives Delayed Her Reporting On Hunter Biden Laptop Former CBS investigative reporter Catherine Herridge said Thursday CBS News executives postponed airing her reports on the contents of Hunter Biden's laptop. https://twitter.com/C__Herridge/status/2006795554471186519?s=20   always do the story when it’s ready to go. You should not be dictated by the political cycle.” At that time, CBS News was under different management, and did not respond to our questions seeking comment.   Source: dailycaller.com  https://twitter.com/bread_n_caviar/status/2007473725331960305?s=20 how much Jeb Bush is connected to drug trafficking. Here's my Substack article on that subject: https://twitter.com/Rasmussen_Poll/status/2007377888858062869?s=20 https://twitter.com/WarClandestine/status/2007528129988862028?s=20 is undoing the damage the CIA has been used to do over the last 78 years around the world. The Deep State network is being dismantled. Trump did the same thing with Iran. Who enabled and paid Iran to make nukes? Obama via the Iran Deal. Neutralizing Iran's nuclear capabilities was Trump cleaning up another Deep State mess created by past administrations. Trump knows where all the Deep State assets and proxies are, and he is uprooting them. It's actually happening. Trump is obliterating the Deep State! Maduro a Cartel/Deep State puppet for a while  Wants out  Negotiates exit with Trump  U.S. military extracts him  Trump rugs the Deep State’s regime change op with his own regime change op https://twitter.com/amuse/status/2007682086271103487?s=20   Maduro played a large role in the destabilization efforts, sending drugs and murderous gangs into our country. Is it considered one crime syndicate?   https://twitter.com/TheQNewsPatriot/status/2007662811296731504?s=20 https://twitter.com/WarClandestine/status/2007516103950414317?s=20   nations and regions that past US administrations have destabilized and destroyed. If there is no instability, the Deep State cannot operate. Therefore, Trump is going to neutralize those causing the instability, ie, the cartels. Trump is essentially undoing the decades of damage caused by the Deep State, and creating a new world the way it should be.  https://twitter.com/WarClandestine/status/2007547290035302659?s=20   MIL in their cities? Now do you see why they have been panicking about the Insurrection Act? The Dems are Deep State puppets just like Maduro. They fear that what just happened to Maduro, is going to happen to them. THEY FEAR THE RECKONING! (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:13499335648425062,size:[0, 0],id:"ld-7164-1323"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="//cdn2.customads.co/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");

A $10 million retirement is often imagined as the finish line — complete freedom, unlimited spending, and no financial stress. The reality is more complex.James walks through what an eight-figure retirement actually looks like by examining a real planning scenario for a couple entering retirement with roughly $10 million in assets. Rather than focusing on luxury or excess, the conversation centers on how income, taxes, investment structure, and lifestyle decisions evolve once work stops and the margin for error gets smaller. At this level of wealth, the biggest challenge isn't running out of money. It's deciding how to use it well. James explains why many high-net-worth retirees struggle to define spending, how withdrawal rates change over time, why required distributions and taxes quietly reshape cash flow, and how Social Security, charitable giving, and estate planning become critical pieces of the overall strategy. The episode highlights an often-overlooked truth: wealth doesn't eliminate complexity — it shifts it. Confidence in retirement comes from alignment and intentional planning, not from chasing the largest possible ending balance.This episode is for anyone approaching retirement with significant assets who wants a grounded, realistic perspective on what a $10 million retirement actually involves.-Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Strategy ⬇️ Get Started Here.Join the new Root Collective HERE!

Voting rights attorney Marc Elias warns that the Trump Department of Justice is aggressively seeking access to Americans' most sensitive voter data—including Social Security numbers, party affiliation, voting history, and signatures—by suing more than 20 states. Elias explains why this unprecedented data grab is central to a broader strategy of voter suppression, election subversion, and litigation designed to undermine free and fair elections in 2026 and beyond. Drawing on decades of experience and current court battles, he breaks down how voter files work, how they can be weaponized, and why DOJ control of this data could fundamentally reshape elections, from voter challenges to targeted suppression laws and post-election challenges. Support independent journalism: https://newsletters.democracydocket.com/member-youtube Stay informed with the latest news and political analysis: https://newsletters.democracydocket.com/youtube Follow Democracy Docket: Bluesky: https://bsky.app/profile/democracydocket.com Instagram⁠: https://instagram.com/democracydocket Facebook⁠: https://facebook.com/democracydocket X/Twitter⁠: https://twitter.com/DemocracyDocket TikTok⁠: https://tiktok.com/@democracydocket Threads: https://www.threads.net/@democracydocket

Jim and Chris discuss listener emails on Social Security claiming strategies, deemed military wages, and survivor benefits timing, a PSA from Jim and Chris on their New Year's resolution, and QLAC use for inherited IRAs. (11:00) A listener asks whether a spouse who will be collecting spousal benefits should ever delay claiming past full retirement age and also asks for retirement drawdown calculator recommendations. (24:30) George asks how veterans can verify that deemed military wages were credited correctly to their Social Security earnings record. (36:00) The guys address whether a surviving spouse can keep both Social Security checks after a spouse dies after being given conflicting answers from the Social Security Administration. (45:00) Jim and Chris share a PSA on their New Year's resolution relating to estate planning. (1:02:45) A listener asks whether an inherited IRA can be used to purchase a QLAC with payments starting at age 84. The post Social Security, Deemed Military Wages, Estate Planning, QLACs: Q&A #2601 appeared first on The Retirement and IRA Show.

Claiming your retirement income in the wrong order can cost you hundreds of thousands of dollars over your lifetime. In this episode, Adam Olson, CFP®, breaks down the optimal sequence for pulling from your 401(k), starting your pension, and claiming Social Security — and why the order you choose dramatically impacts your taxes, income, and long-term security.Most retirees make the same avoidable mistakes:• Taking Social Security too early• Delaying 401(k) withdrawals until it triggers huge RMDs• Starting pension income before planning tax brackets• Stacking income sources at the worst possible timesUsing real client examples, Adam explains:Why 401(k) first often delivers massive tax savingsWhen to turn on pension income for maximum stabilityHow delaying Social Security to age 70 unlocks the most lifetime valueHow proper sequencing protects against longevity risk, tax shock, and market volatilityWhy strategic timing—not just savings—determines retirement successThis episode gives you the framework to coordinate all three income sources so you get more lifetime income, pay less in taxes, and retire with far more confidence.

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

Social Security and Medicare aren't abstract programs — they keep millions of Americans alive. Critics warn Trump-backed policies could force seniors and disabled Americans to delay or skip lifesaving care. We break down what's changing, who's at risk, and why this could become a public health emergency. Executive Director of Social Security Works, Alex Lawson joins Thom to break it down. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Send us fan responses! What if the labels you accept decide your legal power before you ever speak? We take a hard look at how public identifiers—birth certificates, marriage licenses, car titles, and the Social Security number—lock you into beneficiary status while the government or other trustees hold true control. From that starting point, we unpack the core split that governs wealth and risk: equitable title versus legal title. If you only receive benefits, you also receive the taxes and exposure. If you hold legal title, you direct outcomes.We walk through a practical blueprint for moving into private law: establishing a non-grantor, irrevocable, complex discretionary trust; layering a 508(c)(1)(a) ministry entity for mission-driven protection; creating holding companies for control; and using operating companies—yes, including your legal name treated as a business—to route activity with intention. This isn't theory; it's a system for bypassing probate, appointing successor trustees, and aligning distributions so your family name becomes a durable institution rather than a taxable person on paper.Identity becomes strategy. We talk about treating your name, signature, and even your thumbprint as assets, autographing rather than signing, and signaling status through how you handle documents. We dig into Social Security as social insurance, why trust fund mechanics protect the system first, and how to step out of individual capacity by directing benefits to private entities. It all ladders back to a simple principle: you can only control what you create. Build the instruments. Write the rules. Train the next trustee.If this sparked a shift in how you see your status and your name, share this with someone who needs it, hit follow, and leave a review telling us the one move you'll make this week to protect your legacy.https://donkilam.com FOLLOW THE YELLOW BRICK ROAD - DON KILAMGO GET HIS BOOK ON AMAZON NOW! https://www.amazon.com/Cant-Touch-This-Diplomatic-Immunity/dp/B09X1FXMNQ https://open.spotify.com/track/5QOUWyNahqcWvQ4WQAvwjj?autoplay=trueSupport the showhttps://donkilam.com

On this episode of the podcast, Daniel Baldwin, Chief White House Correspondent for One America News Network (OANN) joins the show to break down his rise through conservative media, from covering President Trump on the 2024 campaign trail to reporting daily from inside the White House.Baldwin details what the Administration is touting as key wins: inflation reduced, more private sector jobs created, and the economic impact of the “One Big Beautiful Bill,” including provisions eliminating taxes on tips, overtime, and Social Security. He also discusses the Administration's immigration posture, citing over 2.5M illegal aliens leaving the United States, and looks ahead to the economic and security implications of hosting the FIFA World Cup 2026.You can learn more about Daniel and his great work by following him on X by searching for his handle: @baldwin_daniel_See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Chuck Zodda and Mike Armstrong discuss everyday traders going from fringe players to the dominant market force. Will the next class of Senators do anything about the Social Security crunch? Buffett says Berkshire Hathaway has the best odds of any company for lasting 100 more years. Paul LaMonica (Barron's) joins the show to chat about the Dogs of the Dow.

Tripp Limehouse discusses the financial challenges faced by baby boomers as they approach retirement. He highlights common financial missteps, the importance of proper planning, and the role of social security in retirement income. Tripp emphasizes the need for a comprehensive financial strategy that includes understanding social security benefits and avoiding reliance solely on them. The discussion also touches on the Green Line Principle as a safe money strategy for retirement planning. Visit Limehouse Financial to learn more. Call 800-940-6979See omnystudio.com/listener for privacy information.

Can you believe it's 2026 already?? Ready or not here we go! In this episode, I'm sharing the updated tax brackets, standard deductions, capital gains brackets, IRMAA brackets, provisional income brackets, and more.

In this episode, Mardi Winder sits down with Marcia Mantell to talk about one of the most important and often overlooked parts of life after divorce. your financial future. Marcia brings years of experience helping women understand retirement planning, Social Security, and how to rebuild confidence around money, especially when a divorce changes everything you thought your future would look like.Together, Mardi and Marcia talk about why so many women feel uncertain when it comes to long-term planning and how divorce can leave you feeling like you are starting over. Marcia explains in clear, practical language what women often miss when they are focused on simply getting through the legal settlement and why it matters to look further ahead. She also explains the Social Security formula and how the system offers an option for women or men who have spent years out of the workforce due to children or other issues. Together, they explore how to ask better questions, how to work with financial professionals, and how to step into money conversations with more clarity instead of fear or doubt. Marcia also shares insight into the unique challenges of divorce later in life and what women need to know about Social Security timing, benefits, and creating a sustainable plan for the years ahead. Throughout the conversation, listeners are reminded that it is never too late to get informed, make empowered decisions, and build a future they feel secure in.This episode is both reassuring and practical, offering thoughtful guidance for anyone who wants to feel more confident, prepared, and at peace about what comes next financially after divorce.About the Guest:Marcia Mantell is the founder of her own small business, Mantell Retirement Consulting, which is celebrating 20 years this year. Marcia is known for taking the complicated retirement, Social Security, and Medicare rules and translating them into language we can all better understand. And she's the author of 4 retirement books, a long-time blogger, a media columnist, and a podcast guest. Whether writing about or talking about retirement, she takes the opportunity to share as many helpful tips and tricks as possible. It's all about making a successful transition into retirement.To connect with Marcia and access her complimentary resources: https://boomerretirementbriefs.com/LinkedIn: https://www.linkedin.com/in/marciamantell/ Facebook: https://www.facebook.com/search/top?q=boomer%20retirement%20briefsAbout the Host: Mardi Winder is an ICF and BCC Executive and Leadership Coach, Certified Divorce Transition Coach, Certified Divorce Specialist (CDS®) and a Credentialed Distinguished Mediator in Texas. She has worked with women in executive, entrepreneur, and leadership roles, navigating personal, life, and professional transitions. She is the founder of Positive Communication Systems, LLC, and host of Real Divorce Talks, a quarterly series designed to provide education and inspiration to women at all stages of divorce. Are you interested in learning more about your divorce priorities? Take the quiz "The Divorce Stress Test".Connect with Mardi on Social Media:Facebook - https://www.facebook.com/Divorcecoach4womenLinkedIn: https://www.linkedin.com/in/mardiwinderadams/Instagram: https://www.instagram.com/divorcecoach4women/Youtube: https://www.youtube.com/@divorcecoach4womenThanks for Listening!Thanks so much for listening to our podcast! If you enjoyed this episode and think that others could benefit from listening, please share it using the social media buttons on this page.Do you have feedback or questions about this episode? Leave a comment in the section below!Subscribe to the PodcastIf you would like to get automatic updates of new podcast episodes, you can subscribe to...

Planning your return? Personalize your plan here

Federal Employee Health Benefits (FEHB) & Medicare Part B Explained: What Every Federal Worker and Retiree Must Know in 2025” — get the facts on FEHB cost changes, Medicare coordination, and retirement health planning to avoid unnecessary premium spending and coverage gaps. Discover whether combining FEHB with Medicare Part B or supplements makes sense for you.

The brief describes how recent incidents collectively show a rapidly evolving, increasingly interconnected global cyber threat landscape that blends financial crime, strategic espionage, physical-world risk, and systemic surveillance failures.Financially Driven CybercrimeCybercriminals are shifting to low-interaction, trust-exploiting techniques, such as clipboard-hijacking malware masquerading as “KMSAuto” that silently replaces copied crypto wallet addresses and has impacted millions of systems.Fraudsters are also using AI-generated images and video to fake damaged goods and exploit e-commerce refund policies at scale, turning automated, trust-based processes into predictable profit channels.Strategic-Scale Data TheftLarge data breaches like the Aflac incident show adversaries targeting core personal identifiers (e.g., Social Security numbers, IDs, medical data), creating permanent assets for identity theft, fraud, and social engineering rather than quick monetization.Espionage campaigns such as “Zoom Stealer” use malicious browser extensions to harvest meeting links, topics, participant data, and passwords, enabling persistent corporate spying and highly customized social-engineering attacks.Digital-Physical Convergence of ThreatsDemonstrations of hijacking AI-controlled robots via voice commands illustrate how user-friendly features can be weaponized, enabling cascading compromises and potential physical harm as robots infect one another and execute dangerous actions.Concepts like space “zone effect” weapons—clouds of orbital debris able to damage any satellite passing through—highlight how hostile capabilities can create indiscriminate, long-lasting risks to civilian, commercial, and military infrastructure worldwide.Insecure Surveillance as Systemic RiskBoth government and private surveillance systems can become mass-exposure hazards when basic security is neglected, as seen with an unprotected national license plate database and misconfigured AI camera networks streaming footage openly.These failures turn tools designed for safety and control into uncontrolled sources of sensitive data, undermining public trust and creating new exploitation opportunities at societal scale.Strategic Implications for LeadersThreat motivations now span from opportunistic, high-volume fraud to patient, state-level operations against critical and space-based systems, requiring layered defenses tailored to varied adversaries and timelines.Emerging technologies like AI, robotics, and pervasive sensing are double-edged: they drive efficiency but also introduce new attack surfaces that must be secured from the design phase, not retrofitted later.The rapid deployment of mass monitoring without commensurate safeguards is generating systemic vulnerabilities, meaning resilience now depends as much on securing surveillance infrastructures as on defending traditional IT assets.

As the year comes to a close, Roger Whitney reflects on the power of words, walks through an important year-end tax planning reminder for retirees, shares listener stories and perspectives, and invites listeners to choose a guiding word for 2026 as a way to approach retirement with greater intention and clarity.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) This show is dedicated to helping you not just survive retirement, but have the confidence and clarity to lean in and rock it.(00:45) Roger reflects on slowing down, reclaiming meaning in familiar words, and recommitting to clearing the battlefield as we head into a new year.RETIREMENT TOOLKIT(03:22) Roger explains why estimated quarterly tax payments matter in retirement and how they can help prevent unwelcome tax surprises.(05:44) He outlines safe harbor rules and practical best practices for withholding taxes from Social Security, IRA distributions, and pensions.RETIREMENT LIFE LAB(13:33) Roger shares listener responses about corporate words and phrases people are eager to retire when they leave the workforce.ROCKING RETIREMENT IN THE WILD(19:33) Mick and Patty share reflections on fitness, travel, and meaning in retirement, including experiences shaped by history and family.FOCUSING FORWARD: A WORD FOR 2026(21:10) Roger discusses the practice of choosing a single word to define the coming year and reads listener-submitted words for 2026.(28:40) Roger reveals his own word for 2026.SMART SPRINT(34:07) Roger encourages listeners to reflect on the season they are entering and consider choosing a word to help guide decisions in 2026.CLOSING THOUGHTS(34:55) Roger responds to listener feedback on charitable giving and enjoying retirement, emphasizing balance, generosity, and intentional living as the year ends.REFERENCESSubmit a Question for RogerSign up for The NoodleThe Retirement Answer ManFinancial Calculators from Dinkytown.net

Jeremy Keil explains the 5 steps you can take if you are planning to retire in 2026 or 2027. If you've been planning to retire in 2026 or 2027, it might feel like you still have plenty of time. But in reality, retirement has a way of showing up earlier than expected — and when it does, the people who feel the most confident are the ones who prepared well in advance. In this episode of Retire Today, I walk through five things you should do before you quit working if retirement is anywhere on your near-term horizon. These steps aren't about picking a perfect retirement date. They're about being ready — even if your plans change. Why You Should Prepare Earlier Than You Think Two important statistics shape this entire conversation. First, the stock market is historically up about 70% of the time in any given year. That also means it's down about 30% of the time. If you're retiring soon, there's a real chance that your account balances could be lower at retirement than they are today. Second, most Americans retire about three years earlier than they expect. Health changes, job shifts, burnout, or family needs often move retirement forward — whether planned or not. That's why I encourage people to prepare for retirement three years ahead of time, even if they believe they'll work longer. Planning early gives you flexibility. Waiting too long removes it. 1. Create a Written Retirement Plan The first and most important step is to put your plan in writing. Many people have a retirement date in mind, but when asked how everything will actually work, they don't have clear answers. A written plan forces clarity. This is where the 5-Step Retirement Plan comes in: What you'll SPEND What you'll MAKE What you'll KEEP after taxes How you'll INVEST What you'll LEAVE behind Writing this down helps turn vague ideas into an actionable roadmap — and exposes gaps before they become problems. 2. Build a Lifetime Income Plan Retirement isn't about having a big account balance — it's about knowing where your income will come from every month. Before you retire, you should know: How much income you need Where that income will come from Which accounts you'll use first How taxes affect each withdrawal At a minimum, you should map out the first 12 months of retirement income in detail. That includes Social Security, pensions, savings, brokerage accounts, and retirement accounts — and the tax rules that apply to each one. Surprises here are costly. Planning removes them. 3. Make Your Retirement Plan Tax-Smart Many people assume their taxes will automatically go down in retirement. Sometimes that's true — but not always. Pensions, Social Security, required minimum distributions, and investment income can push retirees into higher tax brackets than expected. The key is understanding when you'll have flexibility and using it intentionally. Retirement often creates opportunities to: Shift income between tax years Take advantage of lower tax brackets Manage Roth conversions strategically Plan around healthcare subsidies Taxes don't disappear in retirement — they change. Planning ahead helps you adapt. 4. Plan Your Retirement Healthcare Healthcare is one of the biggest unknowns in retirement. Before you retire, you should know: What coverage you'll use immediately What it will cost How that coverage changes over time When Medicare becomes part of the picture Options may include employer coverage through a spouse, COBRA, retiree health plans, ACA plans, or Medicare — and each comes with different costs and rules. Healthcare planning isn't just about insurance. It's about understanding how medical costs interact with your tax plan and your income strategy. 5. Create a Retirement Investment Plan Retirement changes your investment timeline. You're no longer investing only for growth — you're investing for income and stability, too. That means separating your money into: Short-term funds for near-term spending Long-term investments for growth over decades Money you'll need soon shouldn't be exposed to short-term market swings. At the same time, money you won't need for many years still needs growth to keep up with inflation. The right investment plan balances both — and helps prevent panic decisions when markets get volatile. The Bottom Line If you're planning to retire in 2026 or 2027, now is the time to prepare. Not because something bad will happen — but because preparation gives you options. Retirement doesn't have to be so stressful. With a written plan, a clear income strategy, smart tax planning, healthcare clarity, and a thoughtful investment approach, you can step into retirement with confidence — whenever it arrives. 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 financial advisor in Milwaukee, WI, author of the bestseller Retire Today: Create Your Retirement Master Plan in 5 Simple Steps and host of both the Retire Today Podcast and Mr. Retirement YouTube channel Additional Links: Buy Jeremy's book – Retire Today: Create Your Retirement Master Plan in 5 Simple Steps Create your retirement master plan in 5 simple steps: www.5StepRetirementPlan.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

Hello, my kiddos! This show with Celia Garcia, an expert in workforce development and a Social Security specialist, revealed that the average Medicare beneficiary loses about $100,000 if they do not complete the forms correctly. In this episode, Celia Garcia will help business owners and entrepreneurs maximize workforce development, fringe benefits, and retirement. Listen up! Celia Garcia is an award-winning author and business owner. I'm Yovy D, a former media broadcaster who transitioned into podcasting in 2017. My podcasting journey was driven by a series of layoffs I experienced—three times in just five years. This desire to switch careers was a long-standing passion, dating back to my high school days when I was a devoted TV viewer, particularly of talk shows. During that time, I realized my true calling was in journalism, specifically producing content. To confirm my abilities, I decided to engage with the public and put my skills to the test.Fast forward to Today, and I've successfully launched my English podcast, "The Yovy D," while wholeheartedly embracing and celebrating my unique accent. Moreover, I've ventured into creating the "Chombita Chronicles" podcast. This podcast chronicles my life journey as a Latina and Black, college-educated individual who has been exposed to unique educational and career opportunities. The "Chombita Chronicles" is a primarily storytelling platform that advocates for and showcases the personal narratives of Afrolatinx individuals.DISCLAIMER: Please be aware that the views expressed by our guests, me, or sponsors may not necessarily reflect or align with the policies and ethical standards of ALKIRIA MEDIA PRODUCTIONS, LLC. These opinions are solely those of the individuals, agencies, or businesses involved. Additionally, explicit language may be used for illustrative purposes in the content.Show notes and links:https://jobskillsinstitute.com/https://linktr.ee/yovydhttps://www.patreon.com/Yovy_DPODCAST EDITING & VO SERVICES:https://linktr.ee/the.50fifty https://goomedia.io/about-us/https://goomedia.io/services/podcast-audio-editing/https://linktr.ee/yovyd https://www.patreon.com/Yovy_dhttps://yovyd.com/#podcaster #podcast #business #culture #diversity #spanglish #entrepreneurship #diversity #medicarecoverage #retirementplanning #socialsecuritybenefits #idoitallwithanaccent #frombroadcast2podcast

Ian Hoch drops the 2 O'clock News Bomb!

How do you take the savings you've built over a lifetime and turn it into reliable income you can count on year after year? That's a question I've been hearing more and more, and it makes sense, without a clear withdrawal strategy, retirees can unintentionally drain their accounts too quickly, trigger unnecessary taxes, or simply feel unsure about whether they're doing things the right way. Making the shift from accumulating money to actually using it can feel uncomfortable, and my goal is to help people approach that transition with clarity and confidence. In this episode, I break the process down into a straightforward framework that organizes your retirement savings into distinct buckets, each with its own purpose and timeline. I also reveal the too common situation where someone has paid far more in taxes than they needed to, all because of the order in which they pulled money from their accounts. With a little structure and thoughtful planning, you can create an income stream that supports your lifestyle, protects your long-term security, and still leaves room to enjoy the retirement you've worked so hard for. You will want to hear this episode if you are interested in... (0:00) Intro. (0:20) Sources of Income in Retirement. (4:22) Costly Withdrawal Mistakes. (10:10) The Spending Mindset Shift. (13:23) The Three-Bucket Method. (28:00) Adjusting Over Time. A Smarter Approach to Using Your Retirement Income Understanding how you'll draw income in retirement is every bit as important as building the savings itself. Social Security, pensions, part‑time earnings, and withdrawals from your investments all contribute to the picture, but the sequence and timing of those withdrawals can dramatically impact your long‑term results. Pulling too much from tax‑deferred accounts early on can trigger avoidable taxes, while leaning too heavily on a single source can limit your options later. I've met plenty of people who ended up paying far more in taxes than they needed to simply because they didn't have a coordinated withdrawal strategy. With a thoughtful plan, retirees can design their income in a way that reduces taxes, stretches their savings, and helps ensure their money lasts as long as they do. Retirement isn't just about accumulating enough, it's about managing it intentionally once you get there. Learning to Use Your Retirement A Shift from Saving to Spending For years, often decades, we're taught to save diligently, invest consistently, and grow our retirement nest egg. But when the moment finally arrives to start using that money, flipping from saver to spender isn't always as simple as it sounds. I've worked with plenty of retirees who hesitate to touch their accounts, even when they're in a strong financial position. Watching balances decline can feel unsettling, even though that's the very purpose of those savings. Some people even take Social Security earlier than ideal just to avoid withdrawing from their investments, a choice that can cost them significantly over time. Recognizing that spending down your savings is a normal, healthy part of retirement can make a world of difference. When people understand this shift, they're better equipped to make confident decisions, and to actually enjoy the retirement they spent a lifetime preparing for. Structure Retirement Withdrawals to create a Predictable Paycheck When it comes to turning savings into reliable income, I've found that simplicity is often the key. The three‑bucket approach helps retirees organize their money into short‑term cash, steady income‑producing investments, and long‑term growth assets. With this structure, you always know which bucket your income is coming from and when you'll need it. A dedicated income bucket makes withdrawals feel more like a predictable paycheck, while the growth bucket keeps your future needs covered. This setup helps prevent selling investments at the wrong time, keeps taxes in check, and gives retirees the confidence that their financial plan can support them for the long haul. Resources & People Mentioned 3 Steps to Retirement Planning Retirement Budgeting Tool 2025 Market Outlook from LPL Financial Episode 72: The Bucket Strategy BEST Withdrawal Strategy | Where Should You Pull Funds from First? I'm 60 Years Old with $1.8million saved. How long will my money last? Connect With Gregg Gonzalez Email at: Gregg.gonzalez@lpl.com Podcast: https://RetirementMadeEasyPodcast.com Website: https://StLouisFinancialAdvisor.com Follow Gregg on LinkedIn Follow Gregg on Facebook Follow Gregg on YouTube Subscribe to Retirement Made Easy On Apple Podcasts, Spotify, Google Podcasts

What is the Average Social Security Check By State?!?**Schedule your free virtual consultation

Brian Skrobonja closes out the year with a milestone episode that marks the final episode of 2025 and the conclusion of this version of the show. He shares the gratitude he feels for the listeners who have supported the mission, the team whose work brought each idea to life, and the recognition the podcast received from Forbes as one of the top shows by financial advisors. Tune in to hear Brian reflect on why he started this podcast, how the mission has been accomplished, and why this moment isn't an ending but the beginning of a bigger vision that will unfold in 2026. He also shares the three core truths that can reshape your financial future if you're ready to take them to heart and take action. Brian reveals that today's episode is a meaningful milestone. It closes out the year and marks the end of this version of the show. He takes a moment to thank the listeners, the production team, and Forbes for recognizing the podcast among the top in the industry. He reflects on why he started the podcast in the first place: To cut through the constant misinformation about money and share the strategies his team uses to help people achieve real financial results. Looking back, he believes that mission has been accomplished.  Brian makes it clear that this is not an ending but a transition into something bigger. He shares that a complete rebrand and new platform will be announced in 2026, designed to serve listeners at a much higher level. Before signing off, he leaves the audience with three core truths that can transform their financial future. Truth #1: Not all financial advisors are the same. Some sell products, while others build full plans that protect your assets and future. Learn how to spot the difference so your plan always comes first. Truth #2: Chasing interest rates won't make you wealthy. True financial success is about outcomes, not chasing quick wins. When your plan dictates the strategy, your money finally works for your life. Truth #3: Stop procrastinating. According to Brian, waiting for the perfect moment or strategy only delays your security and peace of mind. Taking action now, even imperfectly, moves you toward real results and freedom. Brian explains how a real financial plan protects more than your investments. It covers taxes, estate planning, long-term care, Social Security timing, and income planning. With a holistic plan, you stop guessing and start living with security and clarity. Learn why a plan comes before products. Products like stocks or insurance aren't your strategy, they are tools your plan uses to achieve your goals. When you focus on planning first, every financial move has purpose and impact. Brian reveals how to choose the right financial advisor. Look for someone who brings tax, legal, and comprehensive planning expertise to the table. The right advisor helps you use your money to build the life you want. For Brian, the secret to building wealth is taking imperfect action. Waiting for the perfect strategy or market conditions rarely works. Brian shows how moving forward, even with small steps, creates momentum and confidence.  Brian explains why financial clarity beats short-term gains. Rates of return and interest are important, but they don't define success. Outcomes, security, and a plan that fits your life always win in the long term. Even as this podcast chapter closes, bigger opportunities and tools are coming to serve you at a higher level.     Mentioned in this episode: BrianSkrobonja.com SkrobonjaFinancial.com SkrobonjaWealth.com BUILDbanking.com Common Sense Financial Podcast on YouTube  Common Sense Financial Podcast on Spotify     Alternative investments may be subject to less regulation than other types of pooled investment vehicles. Alternative Investments may impose significant fees, including incentive fees that are based upon a percentage of the realized and unrealized gains and an individual's net returns may differ significantly from actual returns. Such fees may offset all or a significant portion of such Alternative Investment's trading profits. Incorporating alternative investments into a portfolio presents the opportunity for significant losses including in some cases, losses which exceed the principal amount invested. Also, some alternative investments have experienced periods of extreme volatility and in general, are not suitable for all investors. Asset allocation and diversification strategies do not ensure profit or protect against loss in declining markets ---- BUILD Banking™ is a DBA of Skrobonja Insurance Services, LLC. Benefits and guarantees are based on the claims paying ability of the insurance company. Not FDIC insured. Results may vary. Any descriptions involving life insurance policies and its use as an alternative form of financing or risk management techniques are provided for illustration purposes only, will not apply in all situations, may not be fully indicative of any present or future investments, and may be changed at the discretion of the insurance carrier, General Partner and/or Manager and are not intended to reflect guarantees on securities performance. The term BUILD Banking™, private banking alternatives or specially designed life insurance contracts (SDLIC) are not meant to insinuate that the issuer is creating a real bank for its clients or communicating that life insurance companies are the same as traditional banking institutions. This material is educational in nature and should not be deemed as a solicitation of any specific product or service. BUILD Banking™ is offered by Skrobonja Insurance Services, LLC only and is not offered by Madison Avenue Securities, LLC. nor Skrobonja Wealth Management, LLC. ---- This content is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation. Skrobonja Financial Group, LLC, Skrobonja Insurance Services, LLC, Skrobonja Wealth Management, LLC are not permitted to offer and no statement made during this presentation shall constitute tax or legal advice. Our firms are not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Skrobonja Financial Group, LLC, Skrobonja Insurance Services, LLC, Skrobonja Wealth Management, LLC. ---- Securities offered only by duly registered individuals through Madison Avenue Securities, LLC. (MAS), Member FINRA &SIPC. Advisory services offered only by duly registered individuals through Skrobonja Wealth Management (SWM), a registered investment advisor. Tax services offered only through Skrobonja Tax Consulting. MAS does not offer Build Banking or tax advice. Skrobonja Financial Group, LLC, Skrobonja Wealth Management, LLC, Skrobonja Insurance Services, LLC, Skrobonja Tax Consulting, and Build Banking are not affiliated with MAS. Skrobonja Wealth Management, LLC is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Skrobonja Wealth Management, LLC and its representatives are properly licensed or exempt from licensure. The firm is a registered investment adviser with the state of Missouri, and may only transact business with residents of those states, or residents of other states where otherwise legally permitted subject to exemption or exclusion from registration requirements. Registration with the United States Securities and Exchange Commission or any state securities authority does not imply a certain level of skill or training. Skrobonja Wealth Management has no ownership interest, compensation arrangement, revenue-sharing agreement, or other economic relationship with Veta Investment Partners. We may allocate a portion of a client's portfolio to strategies managed by Veta Investment Partners when we determine that the allocation is appropriate for the client's objectives, risk tolerance, and overall portfolio design. Our selection of Veta's strategies is based solely on the merits of the investment and the needs of the client, and not on any financial relationship between our firms.

Patrick opens the hour by responding to a listener’s struggle with isolation while growing closer to Jesus, drawing parallels to St. Paul’s hardships and the promise of deeper spiritual bonds. He fields questions about Christian relics, considers the spiritual growth possible in suffering through flawed government, addresses the frustrations of Social Security, and gently advises callers on topics like wearing the rosary while on duty as a police officer or breaking the habit of speaking harshly to a parent. Lauren (email) – Do people choose not to follow Jesus because it can lead to a life of isolation? (00:39) Sean - Remind Patrick that Codex Sinaiticus was found at the St. Catherine’s Monastery at Mount Sinai (06:05) Alex - In response to affordable housing, isn’t it sometimes good to undergo suffering? (11:54) Jean – What about someone who pays into Social Security but dies before they collect anything (22:06) Patty – I’m a patrol sergeant and I wear the rosary around the neck. Is that disrespectful? (25:33) Bill - How do we discern between real videos of the pope and something that might be AI? (28:43) Beth - Response to an earlier email from Lauren about faith and isolation: the more we get involved in our parish, the more we feel connected. (35:20) Elena - Are there sins that God won’t forgive? (38:00) Jose - I live with my mom and help her. Is it right for me to leave? (44:58) Originally aired on 06/03/25

Independent investigative journalism, broadcasting, trouble-making and muckraking with Brad Friedman of BradBlog.com

If you're 50+ and making catching catch-up contributions to your employer 401k plan, this episode is for you. In 2026, you might have to change how you save to your employer plan if you earn to much money. In this episode, I share what you need to know about these new rules and how you can save with intention.

In this episode, The Annuity Man and Terry Savage discuss:  What is "chicken money"? Considering future crises in your financial plan  Seeking trusted advisors  Building an income floor    Key Takeaways:  Your "chicken money" is money that you can't afford to lose. CDs, treasury bills, money markets, AAA municipal bonds, and MYGAs are suitable options. MYGAs and CDs are great for principal protection and tax deferral benefits. Focus on having an income floor and principal protection in retirement plans.  It's important to consider possible future financial crises and plan for them, regardless of political outcomes. Social Security is a primary source of retirement income.  Seek trusted financial advice from fiduciaries who fully disclose costs and operate on a fee-only basis. See to it personally that you are able to customize your financial plan according to your goals.  Have an income floor to protect yourself against market fluctuations and ensure financial stability. Social Security is a strong foundation for retirement income. Build on it with guaranteed products. Consider both the short-term and the long-term in your financial plan.    "Chicken money, by definition, is money you cannot afford to lose, and as such, it belongs in things like short-term CDs, treasury bills." —  Terry Savage   Connect with Terry Savage: Website: https://www.terrysavage.com/  LinkedIn: https://www.linkedin.com/in/thesavagetruth/  Facebook: https://www.facebook.com/The-Savage-Truth-190870517609983/  New Book Link: https://www.amazon.com/gp/product/1119645441/ref=pe_2313400_441222210_em_1p_0_lm   Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!

Comparing Federal Employees Health Benefits (FEHB) coverage with Medicare Part B + Supplement helps retirees balance premiums, deductibles, and out-of-pocket costs while maximizing access to care.FEHB + Part B or Medicare Part B with a Supplement — What's the smarter retirement healthcare move for federal employees and retirees navigating rising FEHB costs and Medicare decisions? Discover how FEHB coordinates with Medicare, when Medicare Part B makes sense, and why dual coverage can change your out-of-pocket risk in retirement.

(00:00:00) This episode explores two very different stories unfolding in Pennsylvania. Both centered on who is counted, who is protected, and who holds power. We begin with an investigation into the U.S. Justice Department’s lawsuit against states, including Pennsylvania, for refusing to hand over voter registration rolls. Drawing on a December 5th Mother Jones report, we examine the push to compare state voter data with commercial datasets and the broader effort to build the nation’s first federal voter database, one that could include sensitive personal information such as voting history, party affiliation, Social Security numbers, and driver’s license data. Critics warn that such a database could expose millions of Americans to data breaches, reinforce false claims of widespread voter fraud, and provide political cover for purging eligible voters from the rolls. Potentially undermining future elections. (00:22:37) In the second half of the episode, we turn to one of Pennsylvania’s most distinctive and often misunderstood communities: the Amish. With insights informed by scholarship from the Young Center for Anabaptist and Pietist Studies at Elizabethtown College, we explore Amish history, religious beliefs, and cultural practices, and consider what their commitment to community, privacy, and separation from state power can teach us about democracy, citizenship, and life beyond constant surveillance. Together, these conversations ask a larger question: in an age of data collection and political control, what does it mean to truly respect individual freedom and community autonomy?Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.

Donate (no account necessary) | Subscribe (account required) Join Bryan Dean Wright, former CIA Operations Officer, as he dives into today's top stories shaping America and the world. In this Monday Headline Brief of The Wright Report, Bryan covers a massive FBI investigation into Somali fraud networks in Minnesota, the Trump administration's accelerating deportation and surveillance strategy, the growing political fight over prices and the Senate filibuster, improving drought conditions in the western United States, and major global developments from Africa, Latin America, China, and Australia. FBI Expands Probe into Somali Fraud Networks: FBI Director Kash Patel surged agents and resources into Minnesota following evidence of roughly nine billion dollars in suspected fraud tied to Somali-run daycare centers, Medicaid programs, food banks, and autism services. Investigators are now examining whether state officials and Democratic politicians enabled the schemes by shutting down early warnings. Bryan explains how viral footage showed dozens of fake daycare centers with no children enrolled, yet receiving massive public funds. Political Fallout and Questions for Democrats: Reports indicate that some Somali donors involved in the fraud also contributed to Democratic campaigns across multiple states. Governor Tim Walz previously halted fraud investigations after activists claimed discrimination. Bryan raises questions about whether these networks were used to generate political donations and votes, calling the potential scale of abuse "almost unimaginable." Trump Escalates Immigration Enforcement: ICE expanded highway operations targeting illegal migrant truck drivers in multiple states, while also arresting migrants at court check-ins who then skipped hearings, making them automatically deportable. The administration is deploying advanced tools, including facial recognition, license plate readers, and data from the IRS and Social Security Administration, to locate illegal migrants. Trump also increased the voluntary self-deportation bonus to $3,000, with airfare included, if migrants leave by December 31. Surveillance Tools Target Extremists: The same tracking systems are now being used to identify Antifa members and left-wing agitators under investigation for violence. DOJ officials say the effort responds to intelligence showing left-wing terrorism is now more prevalent than right-wing violence in the United States. Prices and the Filibuster Fight: President Trump warned that inflation and pricing will decide the 2026 midterms. With another government shutdown looming in January, he urged Senate Republicans to eliminate the filibuster to pass healthcare reform. A new GAO audit found widespread Obamacare fraud, including subsidies paid to deceased individuals and duplicate Social Security numbers. Western Drought Conditions Improve: California's drought has eased significantly, boosting agricultural water supplies. Lake Mead rose by three feet following recent storms, adding roughly seventy-two billion gallons of water, more than southern Nevada's projected annual usage. U.S. Strikes ISIS in Nigeria: The Pentagon launched missile strikes on ISIS training camps in northern Nigeria in coordination with the Nigerian government. Democrats criticized the strikes, while the White House rejected claims of racial motivation. Bryan warns that Islamist groups are attempting to establish a caliphate across central Africa. Trump Expands Influence in Latin America: The United States will reopen a strategic base in Manta, Ecuador, to counter narcotics trafficking and monitor Chinese influence. Conservative allies backed by Trump also won elections in Honduras, strengthening U.S. leverage across the region. China Signals Military Threats: Photos released by Chinese media show ballistic missiles concealed in cargo ship containers, a tactic that could be used to attack U.S. forces or ports during a conflict. Bryan says the images were deliberately leaked and amplified by Chinese bots as a warning to the West. Australia Downplays Islamist Attack: Australian officials claimed a recent ISIS-inspired attack on Jews was not religiously motivated, drawing sharp criticism. Bryan argues that refusing to acknowledge the crisis within Islam mirrors decades of Western denial and will lead to more violence. Listener Questions Close the Episode: Bryan answers questions on Ukraine's mineral deals, fuel supply risks tied to California refinery closures, and whether the American republic still exists. He argues the United States now functions more like a parliamentary democracy and explains why the filibuster debate reflects that deeper shift.   "And you shall know the truth, and the truth shall make you free." - John 8:32     Keywords: FBI Somali fraud Minnesota, Kash Patel investigation, Tim Walz daycare Medicaid scandal, ICE deportation surveillance tools, self deportation bonus Trump, Antifa terrorism DOJ tracking, Obamacare fraud GAO audit, Lake Mead drought recovery, U.S. Nigeria ISIS airstrikes, Ecuador Manta base Trump, Honduras election Asfura, China cargo ship missiles, Australia ISIS attack denial, filibuster healthcare reform debate

A $20 billion AI deal while you were away?

A New Year, A New Financial BlueprintWhat if the new year wasn't about resolutions—but about real financial positioning?As we step into a new year, this episode challenges the idea that retirement is tied to age and introduces a smarter way to think about income, protection, and legacy. Financial strategist Shateka Husser joins the show to break down how early planning, disciplined structure, and education can help families build tax-efficient income and long-term security—starting now, not decades from now.This is a timely New Year conversation about resetting your mindset, reclaiming control of your finances, and committing to legacy building in the year ahead. If you've been relying solely on your 401k or Social Security, this conversation is a wake-up call to the "unconventional wisdom" used by the wealthy to build legacies that last.Key Takeaways[04:21] The Social Security Myth: Why relying on government systems is a risk and how to close the "60% income gap" that most W-2 employees face at retirement.[09:47] The Tax Code Trap: Understanding why traditional accounts (401k, 403b, IRA) are written for the employer, not the employee, and how to pivot to IRS Code 7702.[10:48] Be Your Own Bank: A deep dive into the Infinite Banking Concept and how permanent cash value policies allow you to "eat the cookies and still have them grow."[15:15] Living Benefits vs. Death Benefits: Why you need a policy you can use while you're alive to pay off debt and fund investments like real estate or business ventures.[20:31] The "HIT" List: The three major termites that destroy retirement: Healthcare, Inflation, and Taxes—and how to protect your portfolio against them.[28:16] Retirement is an Income, Not an Age: Why Shateka advises against quitting your job too early and how to use your 9-to-5 as a "sponsor" for your ultimate freedom.Legacy Moment TakeawaysLegacy starts with structure, not age. Waiting until retirement age delays the opportunity to build income, protection, and options for the next generation.Connect with Shateka:Website: Shateka.comEmail: info@shatekahusser.comInstagram: https://www.instagram.com/shatekahusserofficial/?hl=enConnect with Corwyn:Contact Number: 843-619-3005Instagram:⁠ https://www.instagram.com/exitstrategiesradioshow/⁠FB Page:⁠ https://www.facebook.com/exitstrategiessc/⁠Youtube:⁠ https://www.youtube.com/channel/UCxoSuynJd5c4qQ_eDXLJaZA⁠Website:⁠ https://www.exitstrategiesradioshow.com⁠Linkedin:⁠ https://www.linkedin.com/in/cmelette/⁠Shoutout to our Sponsor: Mellifund Capital, LLCNeed funding for your next real estate flip or build? MelliFund Capital makes it fast, flexible, and investor-friendly. Visit MelliFundCapital.com and fund your future today. Again, that's MelliFundCapital.com, M-E-L-L-I-L-U-N-D, Capital.com.

You're listening to American Ground Radio with Louis R. Avallone and Stephen Parr. This is the full show for December 19, 2025. 0:30 Red state attorneys general are taking on Big Tech in a major fight to protect children online, as Tennessee joins Texas, Louisiana, Kentucky, and South Carolina in a lawsuit against Roblox. The states accuse the gaming platform of misleading parents and failing to stop child predators from exploiting kids through in-game chats and messages. The message is clear: the government’s first duty is to defend life and protect the most vulnerable, and when tech companies won’t police themselves, leaders must step in. This is shaping up to be a defining battle over child safety, online gaming, and accountability in Big Tech. 9:30 Plus, we cover the Top 3 Things You Need to Know. The Shreveport City Council approved a new data center project in the city. The City of New Orleans is requesting the Federal Government to send in more law enforcement officers for New Year's Eve. Police in Kenner arrested an illegal immigrant preacher and charged him with sexual battery of a 10 year old child. 12:30 Get Prodovite Plus from Victory Nutrition International for 20% off. Go to vni.life/agr and use the promo code AGR20. 13:00 The Justice Department releases new Epstein files, and once again America is asking why this case still grips the nation. It’s not just the crimes of Jeffrey Epstein, but his ties to the rich and powerful — from presidents to princes — that have people demanding answers. The conversation turns to accountability, justice, and whether elites keep getting a pass while everyday Americans pay the price. With big names, dark questions, and growing distrust in the system, the fight for truth about the Epstein documents is far from over. 16:00 It’s time for American Mamas, and they’re sounding off on one big holiday question: company Christmas parties — love them or hate them? Teri Netterville and Kimberly Burelson share hilarious stories about forced small talk, cocktail hours, introvert vs. extrovert personalities, and why some folks would rather sit in the corner than mingle. From awkward office parties to wedding receptions, the Mamas break down the holiday party struggle everyone can relate to — with laughs, honesty, and real-life advice. If you'd like to ask our American Mamas a question, go to our website, AmericanGroundRadio.com/mamas and click on the Ask the Mamas button. 23:00 We take on Trump Derangement Syndrome, asking if there’s really a cure — and pointing to facts, reason, and real-world wake-up calls as the answer. From media stories to Mitt Romney’s latest warnings, the conversation shifts into Social Security reform, fear-mongering, and what’s really at stake for American seniors. It’s a fiery, fast-paced segment on TDS, politics, and the future of Social Security you won’t want to miss. 26:00 We Dig Deep into a Washington Post column urging Democrats to “Make America Minnesota,” then put that claim to the test with hard data. Looking at fertility rates, population trends, and family affordability, we see that red states vs. blue states tell a very different story about where families are actually growing and thriving. From Tim Walz and Kamala Harris to taxes, marriage, and cost of living, it’s a data-driven debate over which policies really support American families and children. 32:00 Get TrimROX from Victory Nutrition International for 20% off. Go to vni.life/agr and use the promo code AGR20. 32:30 nearly 130,000 migrant children went missing under the Biden administration. Many of this children are being exploited and trafficed. Border security failures are not “compassionate,” when vulnerable kids remain unaccounted for. 36:30 Plus, it's Fake News Friday! We're putting you to the test with our weekly game of headlines—are they real news, fake news, or really fake news? From election integrity, ICE and Ilhan Omar to gold card immigration permits and government-sponsored suicide in Canada, can you spot the fake news? Play along, keep score, and share your results with us on Facebook page: facebook.com/AmericanGroundRadio. 40:00 The hour wraps with news out of Florida, where a federal appeals court greenlights a law blocking children from attending sexually explicit drag shows — a win for parents, common sense, and child safety in today’s culture wars. Follow us: americangroundradio.com Facebook: facebook.com / AmericanGroundRadio Instagram: instagram.com/americangroundradioSee omnystudio.com/listener for privacy information.

Bonus Episode: Are You Relying Too Heavily on Your Employer for Financial Security? This bonus episode of Clear Money Talk features Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, Wealth Advisor, tackling an important question many people overlook: how dependent are you on your employer for long-term financial stability? Employer-sponsored benefits such as 401(k) plans, pensions, stock compensation, group life insurance, disability coverage, and health insurance can play an important role in a financial plan. However, Tim and Tyler discuss how job changes, layoffs, early retirement, health events, or corporate decisions can expose gaps if those benefits are the foundation of your entire strategy. This educational conversation walks through how financial resilience often requires diversification beyond your employer and a clearer understanding of what happens when employment ends, whether by choice or circumstance. Topics discussed include: Concentration risk tied to employer stock and equity compensation Why pensions and Social Security typically replace only a portion of income The limitations of relying solely on employer-sponsored retirement plans What happens to health, life, and disability insurance after leaving a job The role of emergency savings and liquidity planning Why having a financial "Plan B" can reduce uncertainty and stress

Bonus Episode: Are You Relying Too Heavily on Your Employer for Financial Security? This bonus episode of Clear Money Talk features Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, Wealth Advisor, tackling an important question many people overlook: how dependent are you on your employer for long-term financial stability? Employer-sponsored benefits such as 401(k) plans, pensions, stock compensation, group life insurance, disability coverage, and health insurance can play an important role in a financial plan. However, Tim and Tyler discuss how job changes, layoffs, early retirement, health events, or corporate decisions can expose gaps if those benefits are the foundation of your entire strategy. This educational conversation walks through how financial resilience often requires diversification beyond your employer and a clearer understanding of what happens when employment ends, whether by choice or circumstance. Topics discussed include: Concentration risk tied to employer stock and equity compensation Why pensions and Social Security typically replace only a portion of income The limitations of relying solely on employer-sponsored retirement plans What happens to health, life, and disability insurance after leaving a job The role of emergency savings and liquidity planning Why having a financial "Plan B" can reduce uncertainty and stress

Retiring after age 65 changes the math and the priorities. You have fewer high-energy years, shorter tax planning windows, and RMDs much closer than most people realize. But you also often have higher Social Security, clearer spending needs, and more flexibility if the plan is built the right way. This episode breaks down how retirement strategy shifts when you retire later. Traditional withdrawal rules are built for 30–40 year retirements. If your timeline is closer to 10–20 years, blindly following those rules can lead to significant underspending and missed opportunities in your healthiest years.Tax strategy becomes more compressed. Roth conversion windows are shorter. Medicare premiums and IRMAA surcharges matter more. Required minimum distributions arrive faster. Planning mistakes are harder to unwind, which makes coordination between income, investments, and taxes far more important.Market risk looks different too. Higher Social Security and other income sources can reduce pressure on your portfolio, even though recovery time after downturns is shorter. The goal is not extreme conservatism. It is matching investments to real cash-flow needs while protecting against inflation and future healthcare costs.The episode also covers survivor planning, charitable giving strategies like QCDs, Medicare surcharge planning, and why prioritizing health becomes one of the highest-return investments you can make when retiring later.Retiring after 65 is not a disadvantage. It simply requires a different plan, tighter execution, and more intentional use of the years that matter most.-Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Strategy ⬇️ Get Started Here.Join the new Root Collective HERE!

Jim and Chris discuss listener emails on Social Security filing timing and online claiming language, a listener PSA on IRMAA and the online SSA-44, ACA income planning before Medicare, an IRA to HSA transfer, and annuity income needs. (6:45) The guys address how to word an online Social Security application so the first check is paid for a specific month when claiming at age 70, and whether applying 2–3 months before the 70th birthday is the right approach. (14:00) A listener shares a PSA on filing SSA-44 online after retirement, including how IRMAA recalculations reflected estimated future-year income and how the resulting tier was communicated in the approval letter. (25:00) Jim and Chris discuss whether it makes sense, from a planner's perspective, to stop working and manage income in a way that keeps health insurance affordable until Medicare eligibility. (38:45) George asks about doing the once-in-a-lifetime tax-free IRA-to-HSA transfer, how the HSA testing period works, and whether it's worth doing before starting Medicare to reduce future RMDs. (49:00) A listener asks whether annuity income is still useful for covering a minimum dignity floor gap when assets are high and spending needs are modest, and how to think about guaranteed income given planned retirement timing and gifting goals. The post Social Security, IRMAA, ACA Planning, IRA to HSA Transfer, Annuities: Q&A #2552 appeared first on The Retirement and IRA Show.

On Monday's Mark Levin Show, WREC's Ben Ferguson fills in for Mark. There are rumors ​that ​the ​media ​and ​the ​Democratic ​Party ​are ​pushing ​that President ​Trump, his approval ratings, and the Republican ​Party are a ​disaster.  It's a lie. Trump enjoys ​a ​50% ​approval ​rating ​with ​a ​net ​approval ​rating ​of ​+9 ​points. This approval will only go higher next year from upcoming policies like no taxes on tips, Social Security, or overtime.  11% of Republicans express dissatisfaction with Trump's performance. A significant portion of this discontent likely stems from his strong support for Israel, alienating an anti-Semitic segment that prioritizes "America only" and includes figures like Nick Fuentes, Tucker Carlson, and Candace Owens. Also, Trump announced the construction of major ships, including battleships, which the U.S. hasn't built since the 1990s, to restore the nation's naval force as the most lethal in the world. These ships will be built in America, thereby sustaining American jobs. Later, the opposition to Benjamin Netanyahu refuses to join his proposed October 7th commission of inquiry because they seek to oust him and his allies, fearing that transparent findings without evidence of his negligence would hinder their power gains and bolster his position.  Afterward, Trump's self-deportation plan is brilliant. By year's end, illegal immigrants who voluntarily leave receive a $3,000 holiday stipend, assistance to depart, and potential future re-entry, whereas those caught and deported face permanent exclusion. This is cost-effective compared to enforced deportations amid migrants' economic burdens like job loss, higher rents, and home prices for Americans.  We need more self-deportations by illegal aliens. Learn more about your ad choices. Visit podcastchoices.com/adchoices

1. Immigration and Housing Mass immigration under President Biden increased rental demand and housing prices. Trump’s deportations and border enforcement are lowering rents and home prices. Median age of first-time homebuyers is rising above 40 (highest since WWI). Wharton study: “Every 1% population increase → rents up 1%.” Recent rent declines (−1.1% YoY, −5.2% vs. 2022 peak). Tax Policy Changes (2026) Highlights upcoming measures: No tax on tips No tax on overtime No tax on Social Security for seniors Suggests millions will receive IRS refunds starting January. HUD Report HUD finds that immigration significantly drove up housing demand and prices, especially for low-income Americans without assistance. 2. DOJ/FBI and Mar-a-Lago Raid Newly released emails show FBI doubted probable cause for the 2022 raid but proceeded under pressure from Biden DOJ. There were political motives behind the raid, calling it “abuse of power.” Lack of whistleblowers and calls for congressional hearings. 3. Last 3 BIG WINS of this past year Space Announces $10 billion investment in NASA and commercial space through the Working Families tax cut. Goal: U.S. lunar landing by 2028 (ahead of China’s 2030 target). Emphasizes jobs (50,000+ in Texas), national security, and inspiration for youth. Automotive Policy CAFE standards were “zeroed out” to reduce car costs and improve safety. Biden-era fuel economy rules are an attempt to ban internal combustion engines. Online Safety – “Take It Down Act” Makes posting non-consensual intimate imagery (including AI deepfakes) a felony. Grants victims a statutory right to demand immediate removal from platforms. Bipartisan passage and signing in the Rose Garden with First Lady Melania Trump. 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.

Border Security Illegal immigration reportedly dropped by 99%. $100 billion invested in border security infrastructure (wall, technology, personnel). Claimed economic benefits: reduced housing costs and rents due to deportations. Working Families Tax Cut (formerly “One Big Beautiful Bill”) Permanent extension and expansion of Trump-era tax cuts. Specific provisions: No taxes on tips, overtime, or Social Security benefits (effective 2026). Framed as the most conservative legislative victory in U.S. history. Military & National Security $150 billion invested in rebuilding the military. $24.5 billion allocated to the Coast Guard (over 200% of its annual budget). Emphasis on Arctic ice cutters to counter China and Russia. Technology & Infrastructure Auctioning 800 MHz of federal spectrum to private sector (expected $100 billion revenue). Air traffic control modernization ($12.5 billion investment). Rotor Act: mandates ADS-B technology for all aircraft to prevent collisions. Education & Social Policy School Choice Expansion: Tax credits for donations to scholarship organizations. Trump Accounts: Investment accounts for every child in America, seeded with $1,000 and allowing $5,000 annual contributions, invested in S&P 500. Space Exploration $10 billion investment in NASA and commercial space programs. Goal: U.S. to return to the Moon by 2028, ahead of China. Regulatory Rollbacks Elimination of CAFE standards (fuel economy rules), framed as lowering car costs and improving safety. Online Safety Take It Down Act: Criminalizes non-consensual intimate imagery and deepfake pornography; mandates immediate removal by platforms. 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.