Podcasts about social security

In this episode of John Solomon Reports, we engage in a candid conversation with Congressman Tim Burchett from Tennessee. Burchett shares his straightforward views on the urgent need for voter ID laws and the troubling state of government inefficiency. He expresses his frustration with the Senate's slow response to critical issues, including alarming findings about non-citizens voting and the necessity of protecting election integrity.Burchett highlights recent developments, such as a grand jury subpoena in Maricopa County and a raid in Fulton County, and emphasizes the importance of addressing voter fraud. He draws a compelling analogy between illegal voting and serious crimes, urging Americans to recognize the significance of every vote. The congressman believes that public pressure can lead to meaningful change in the Senate, and he discusses the misconceptions surrounding voter ID requirements.Additionally, Burchett reveals his plans to introduce legislation aimed at eliminating the capital gains tax on property sales, a move he believes will benefit retirees and stimulate the economy. He also addresses the challenges of navigating a Congress that often prioritizes bureaucracy over efficiency.Next, we explore the intriguing developments in California politics as Democrat Party chair Rusty Hicks calls for candidates unlikely to win to withdraw from the race. With midterm elections approaching, a petition for voter ID requirements has garnered significant support, potentially changing the political landscape in the state. Legal expert and conservative commentator Sam Mirejovsky joins John and Amanda to discuss the implications of these developments, including the possibility of a Republican victory in the governor's race and the impact of voter ID laws.Sam provides insights into the upcoming Supreme Court cases that could reshape electoral dynamics, including issues surrounding ballot counting, racial gerrymandering, and the representation of illegal immigrants in apportionment. He emphasizes the potential consequences for the Democratic Party if these cases are decided in favor of conservative positions.The conversation also touches on the recent actions of Democrats in Congress regarding Iran, revealing a surprising divide within the party on foreign policy. Sam critiques the Democratic stance and highlights the disconnect between party leaders and the American public's views on terrorism.Finally, Shannon Davis, CEO of American Alternative Assets, provides insights on navigating the current economic landscape. Shannon explains the limitations of the Social Security cost of living adjustments and how retirees are effectively losing ground financially. He shares valuable strategies for protecting retirement savings through tangible assets like gold and silver, which historically outperform traditional investments during times of market volatility.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

On the DSR Daily for Thursday, we break down the soaring oil prices as a result of the Iran war, House Republicans' attempt to pace a second major spending package, investigations into claims of DOGE misuse of Social Security data, and more.  Learn more about your ad choices. Visit megaphone.fm/adchoices

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John Johnston (JJ) breaks down the news that an whistleblower has claimed that an ex-employee of Elon Musk's DOGE says he took Social Security data, and then offered it for use at another job at a private government contractor, according to the Washington Post.Join The John Johnston Lounge Patreon: https://patreon.com/TheJohnJohnstonLoungeRelated episodes:How This Guy Bet Against Elon Musk and Easily Won BIG! https://open.spotify.com/episode/2rO7MvqRjAhTjXznYRTl0tBUSTED: Trump Admin Concedes Elon's DOGE May Have Stolen Data https://open.spotify.com/episode/0CZT7ozKnOzOQ4zfvWsSGOElon Musk's DOGE Collapses & Criminal Charges Loom https://open.spotify.com/episode/3husqbwJVGAqerH4IxIiKDDOGE Whistleblower: Govt Fraud ‘RELATIVELY NONEXISTENT' https://open.spotify.com/episode/5mdqKpRiIGET9jWiXGJGQj

John Johnston (JJ) breaks down the news that an whistleblower has claimed that an ex-employee of Elon Musk's DOGE says he took Social Security data, and then offered it for use at another job at a private government contractor, according to the Washington Post.Join The John Johnston Lounge Patreon: https://patreon.com/TheJohnJohnstonLoungeRelated episodes:How This Guy Bet Against Elon Musk and Easily Won BIG! https://open.spotify.com/episode/2rO7MvqRjAhTjXznYRTl0tBUSTED: Trump Admin Concedes Elon's DOGE May Have Stolen Data https://open.spotify.com/episode/0CZT7ozKnOzOQ4zfvWsSGOElon Musk's DOGE Collapses & Criminal Charges Loom https://open.spotify.com/episode/3husqbwJVGAqerH4IxIiKDDOGE Whistleblower: Govt Fraud ‘RELATIVELY NONEXISTENT' https://open.spotify.com/episode/5mdqKpRiIGET9jWiXGJGQj

"I've been Doged." Over 300,000 federal workers were purged by drug-fueled sociopath Elon Musk and his "Department of Government Efficiency." In this week's Gaslit Nation, we're  joined by Sasha Abramsky, contributor to The Nation and author of the explosive new book American Carnage: How Trump, Musk, and DOGE Butchered the U.S. Government. Abramsky details how Musk and his "Hitler Youth" tech bros, led by Edward "Big Balls" Coristine, infiltrated government agencies like a wrecking ball. They were set on sadistic public humiliation, bullying the survivors into submission to carry out a lawless coup to hijack our democracy. DOGE carried out the greatest data heist in global history. The personal information for nearly 300 million Americans, including Social Security numbers and Medicare data, has been exposed to tech oligarchs. This data is already being weaponized to purge voter rolls and hunt immigrants and dissidents. Trump and Musk depend on your demoralization. They want you to think they're invincible Bond villains, but as the resistance in Minneapolis showed, we can and must stand up to them–for the sake of our very lives and the security of the world. Have you or your community felt the impact of the DOGE purges? Share your story with us at GaslitNation@gmail.com. We may report on it, anonymously if you choose, on the show. Stay strong. Gaslit Nation is here for you. Join Andrea in New York City for the launch of her new graphic novel Mrs. Orwell. This special live-taping will share the incredible story of Eileen Blair, the unsung heroine of literature and wife of George Orwell, who saved her husband's life twice and shaped his greatest works. Details here: https://powerhousearena.com/events/book-launch-mrs-orwell-by-andrea-chalupa-in-conversation-with-nomiki-konst/ Join our community of listeners and get bonus shows, ad free listening, group chats with other listeners, ways to shape the show, invites to exclusive events like our Monday political salons at 4pm ET over Zoom, and more! Discounted annual memberships are available. Become a Democracy Defender at Patreon.com/Gaslit EVENTS AT GASLIT NATION: New! There's now a California Signal Group for Gaslit Nation listeners to find each other and connect in that state. Join us on Patreon.com/Gaslit  The Gaslit Nation Outreach Committee discusses how to talk to the MAGA cult: Join us on Patreon.com/Gaslit  Minnesota Signal group for Gaslit Nation listeners in the state to find each other. Join us on Patreon.  Vermont Signal group for Gaslit Nation listeners in the state to find each other. Join us on Patreon.com/Gaslit  Arizona-based listeners launched a Signal group for others in the state to connect. Join us on Patreon.com/Gaslit  Indiana-based listeners launched a Signal group for others in the state to join. Join us on Patreon.com/Gaslit  Florida-based listeners are going strong meeting in person. Be sure to join their Signal group. Join us on Patreon.com/Gaslit   Gaslit Nation Salons take place Mondays 4pm ET over Zoom and are recorded and shared on Patreon.com/Gaslit for our community Show Notes: DOGE staffer had 'God-level' Social Security access and expected Trump's pardon, whistleblower says https://www.the-independent.com/news/world/americas/us-politics/doge-social-security-data-whistleblower-b2935908.html Elon Musk's DOGE Staffer 'Big Balls' Related to KGB Defector: Report https://www.newsweek.com/elon-musk-doge-edward-coristine-big-balls-kgb-agent-2036520 Doge cuts to USAid blamed for 300,000 deaths — most of them children https://www.thetimes.com/us/american-politics/article/usaid-doge-deaths-children-cuts-7nb83dfkp?gaa_at=eafs&gaa_n=AWEtsqcVzjZ_td4qU0vyr-xG_CgGOlTqkglEvufyMil2saeIo4sfDLbK8HIVQeZ-IHc%3D&gaa_ts=69b0d995&gaa_sig=ZVvlsPXRuxrYyW6L9eA4lEbo1EG_Vjg1-CiS5mFa7qlVjY9zdtc18EbEHPxglD0f-pxJDLWqvvxK-U_IjWKBjg%3D%3D 14 Million People Could Die in Next 5 Years Due to USAID Cuts, Study Finds https://gizmodo.com/14-million-people-could-die-in-next-5-years-due-to-usaid-cuts-study-finds-2000622755 American Carnage How Trump, Musk, and DOGE Butchered the US Government https://lettersandsciencemag.ucdavis.edu/bookshelf/american-carnage

Rudd takes the helm at NSA and Cyber Command. A watchdog probes alleged Social Security data mishandling. Patch Tuesday lands. Governments brace for cyber fallout from Iran. BeatBanker spreads via a fake Starlink app. InstallFix targets developers. ZombieZIP hides malware in archives. And DHS reassigns CBP officials in a FOIA secrecy dispute. Ben Yelin unpacks Anthropic's lawsuit against the Pentagon. AI eyewear leads to awkward exposures. Remember to leave us a 5-star rating and review in your favorite podcast app. Miss an episode? Sign-up for our daily intelligence roundup, Daily Briefing, and you'll never miss a beat. And be sure to follow CyberWire Daily on LinkedIn. CyberWire Guest Our guest today is Ben Yelin from University of Maryland Center for Cyber Health and Hazard Strategies and Caveat cohost talking about Anthropic suing the Pentagon. You can read more on the topic here.  Selected Reading Senate approves Joshua Rudd as dual-hat leader of Cyber Command, NSA (POLITICO) Whistleblower claims ex-DOGE member says he took Social Security data to new job (Washington Post) Microsoft Patches 83 Vulnerabilities (SecurityWeek) Adobe Patches 80 Vulnerabilities Across Eight Products (SecurityWeek) Fortinet, Ivanti, Intel Patch High-Severity Vulnerabilities (SecurityWeek) ICS Patch Tuesday: Vulnerabilities Fixed by Siemens, Schneider, Moxa, Mitsubishi Electric (SecurityWeek) Iran war will bring wave of 'low-level cyber activity,' says intelligence group (StateScoop) New BeatBanker Android malware poses as Starlink app to hijack devices (Bleeping Computer) Fake Claude Code install guides push infostealers in InstallFix attacks (Bleeping Computer) New 'Zombie ZIP' technique lets malware slip past security tools (Bleeping Computer) DHS Ousts CBP Privacy Officers Who Questioned ‘Illegal' Orders (WIRED) Meta sued over AI smart glasses' privacy concerns, after workers reviewed nudity, sex, and other footage (TechCrunch) Share your feedback. What do you think about CyberWire Daily? Please take a few minutes to share your thoughts with us by completing our brief listener survey. Thank you for helping us continue to improve our show. Want to hear your company in the show? N2K CyberWire helps you reach the industry's most influential leaders and operators, while building visibility, authority, and connectivity across the cybersecurity community. Learn more at sponsor.thecyberwire.com. The CyberWire is a production of N2K Networks, your source for strategic workforce intelligence. © N2K Networks, Inc. Learn more about your ad choices. Visit megaphone.fm/adchoices

Chris’s Summary With Jim at the T3 conference in New Orleans, I am joined by Jake Turner to cover how to factor a defined benefit pension into retirement planning, using the situation of a 45-year-old law enforcement officer with a non-covered pension as the backdrop. We walk through evaluating his savings rate against the 15–20% rule of thumb, the lump sum equivalent value of his pension income, why the presence or absence of a COLA matters significantly, and how pension income fits into covering essential expenses over a long retirement. Jim’s “Pithy” Summary While I’m at the T3 conference in New Orleans, Chris and Jake use a listener’s situation to dig into retirement planning with a defined benefit pension. The listener is a 45-year-old law enforcement officer who has been contributing to his pension since day one but only started building outside accounts five years ago. He wants to know where he actually stands — and the answer is more nuanced than a simple savings rate comparison can capture. A big part of that nuance is whether the pension is a non-covered one, meaning it replaces Social Security rather than sitting alongside it. That single distinction changes how you benchmark the savings rate entirely, and it’s the kind of thing that gets glossed over when people just throw out rules of thumb without knowing what’s underneath them. Chris and Jake also get into how pension income fits against the Minimum Dignity Floor — and why a pension that looks rock solid at retirement can tell a very different story decades later if there’s no cost-of-living adjustment attached to it. There’s also a conversation worth hearing about lump sum options — what they’re actually worth, how to think about comparing them to the lifetime income stream, and why the big number isn’t always the better answer. If you have a defined benefit pension and you’ve been wondering how it fits into the bigger retirement picture, or whether you’re ahead or behind where you should be, this episode covers the framework for thinking it through. The post Retirement Planning With a Defined Benefit Pension: EDU #2610 appeared first on The Retirement and IRA Show.

On this week's show, Patrick Gray, Adam Boileau and James WIlson discuss the week's cybersecurity news. They cover: The Coruna exploits were L3 Harris, but it seems Triangulation… was not! Iran's cyber HQ hit by Israeli (kinetic) strikes Trump's cyber “strategy” is … well, all we've got is jokes cause there's no serious content NSA and CyberCom finally get a leader after Lt Gen Joshua Rudd gets Senate nod DOGE (remember them?!) employee walked a social security database out on a USB stick This episode is sponsored by open source cloud security scanner Prowler. Creator and CEO Toni de la Fuente talks to Pat about some of the enterprise features Prowler is growing, while remaining true to its open source roots. This episode is also available on Youtube. Show notes Inside Coruna: Reverse Engineering a Nation-State iOS Exploit Kit From JavaScript GitHub - matteyeux/coruna: deobfuscated JS and blobs US military contractor likely built iPhone hacking tools used by Russian spies in Ukraine APT36: A Nightmare of Vibeware State-linked actors targeted US networks in lead-up to Iran war Iranian cyber warfare HQ allegedly hit by Israel Last 2 names of 6 US soldiers who died in Kuwait attack identified by the Pentagon Signal, WhatsApp users face Russian phishing push, Dutch warn Samuel Bendett on X: "Russian military told it couldn't use Telegram messaging app" FBI investigating ‘suspicious' cyber activities on critical surveillance network Risky Bulletin: New White House EO prioritizes fight against scams and cybercrime President Trump's CYBER STRATEGY for America Fact Sheet: President Donald J. Trump Combats Cybercrime, Fraud, and Predatory Schemes Against American Citizens UK plans to shift fraud fight onto telecoms, tech companies Trump to hit Anthropic with executive order to remove "woke" AI Claude Anthropic launches code review tool to check flood of AI-generated code CrowdStrike reports record quarter amid investor concerns about AI impact Critical defect in Java security engine poses serious downstream security risks Gen. Joshua Rudd confirmed as NSA, Cyber Command head Plankey's nomination as CISA director now in jeopardy DOGE employee stole Social Security data and put it on a thumb drive, report says Taming Agentic Browsers: Vulnerability in Chrome Allowed Extensions to Hijack New Gemini Panel Cel mai mare exportator român de carne, deținătorul brandului Cocorico, a intrat în restructurări, alături de Casa de Insolvență Transilvania

Today's episode of the Power of Zero Show sees David McKnight address one of the most important decisions you'll ever make in retirement: where you should withdraw money from first. It's important to note that the sequence in which you draw down your retirement dollars can dramatically affect how long your money lasts and how much of it you get to keep. Since the Trump tax cuts were permanently extended on July 4th, 2025, retirees have been presented with one of the most significant tax planning windows they may ever see. The national debt continues to grow – with Social Security and Medicare obligations expanding every year, and interest on the national debt taking up a larger and larger share of the federal budget. Analysts at the Congressional Budget Office and several independent economists agree that, although the 2025 extension has delayed the inevitable, it has not solved the underlying math… In or around 2035, the Government will have to raise revenue to keep pace with rising expenditures. Every dollar you withdraw from tax-deferred accounts – like IRAs, 401(k)s, 403bs, 457s – is a dollar tax rate that may be the lowest you're likely to see in your lifetime. "The goal isn't to eliminate RMDs entirely but to shrink your tax-deferred bucket to the point where these distributions are completely absorbed by your standard deduction", says David. "That means tax-free distributions from IRAs and 401(k)s. Many experts have warned people: if the U.S. doesn't right its fiscal ship of state by 2043, no combination of raising taxes or reducing spending will arrest the financial collapse of the country. You're living in a decade where taxes are as low as you've seen in your lifetime… …and even though the tax cuts were extended indefinitely, the long-term fiscal math still points in one clear direction.     Mentioned in this episode: David's new book, available now for pre-order: The Secret Order of Millionaires David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track Tax-Free Income for Life: A Step-by-Step Plan for a Secure Retirement by David McKnight DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com

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As things in Iran continue just as clumsily as ever, an American consulate in Toronto is attacked, and a whistleblower has blown the whistle on a Social Security breach.American Consulate-via ABC NewsIran-via AP News, CNN, and NPRSocial Security Breach-via Washington PostTakethe pledgeto be a voter at raisingvoters.org/beavoterdecember.-on AmazonSubscribe to the Substack:kimmoffat.substack.comAll episodescanbe foundat:kimmoffat.com/thenewsAs always, youcan findme on Instagram/Twitter/Bluesky @kimmoffat and TikTok @kimmoffatishere

Thank you Chris Sampson, Steven Rosenzweig, Lynette, Laura

Meet my friends, Clay Travis and Buck Sexton! If you love Verdict, the Clay Travis and Buck Sexton Show might also be in your audio wheelhouse. Politics, news analysis, and some pop culture and comedy thrown in too. Here’s a sample episode recapping four takeaways. Give the guys a listen and then follow and subscribe wherever you get your podcasts. Iran Endgame Clay and Buck open the hour analyzing remarks from Secretary of War Pete Hegseth, who describes increasingly intense American airstrikes and the destruction of Iranian missile sites, naval assets, and military infrastructure. President Donald Trump’s comments from an event in Doral underscore the scope of the operation, with Trump highlighting that U.S. forces have struck thousands of targets and sunk dozens of Iranian naval vessels. This leads the hosts into a broader conversation about the endgame in Iran—specifically the uncertainty over who might take power if the regime collapses and whether the U.S. or Israel has viable contacts who could help stabilize the country. Questions arise about whether any Iranian political figures could work with the West, even discreetly, and whether the U.S. intends to pursue regime change or simply force strategic concessions. The discussion shifts toward the economic consequences of the conflict, particularly the dramatic price fluctuations in global oil markets. Clay notes that oil surged to $120 per barrel before rapidly falling to around $85, emphasizing how the United States’ role as the world’s top oil and gas producer provides a buffer against global shocks. The hosts contrast this national strength with states like California, which has severely limited oil and gas production despite having abundant resources. They argue that nationwide energy independence—driven largely by fracking—has dramatically reduced the geopolitical leverage of petro‑dictator states like Iran, Russia, and Venezuela. Michael Whatley Must Win Senate candidate Michael Watley of North Carolina joins to lay out why he believes his race will become the most expensive Senate contest in American history, with more than $600 million expected to pour into the state. Watley contrasts his platform with Democrat Roy Cooper’s record on crime, taxes, immigration enforcement, and cultural issues, arguing that Cooper repeatedly vetoed legislation aimed at keeping violent illegal immigrants out of North Carolina and supported policies allowing biological males into women’s sports and locker rooms. He highlights the massive federal recovery effort after Hurricane Helene, crediting Trump‑aligned leadership for billions in rebuilding investments across western North Carolina. Watley emphasizes that suburban, college‑educated independent voters—particularly those concerned about inflation, housing affordability, and public safety—will determine the outcome of the race, which historically has been decided by razor‑thin margins. Watley lays out pro‑growth policies he hopes to implement in the Senate, including extending Trump’s middle‑class tax cuts, eliminating taxes on overtime, tips, and Social Security, and pursuing regulatory and trade reforms designed to strengthen manufacturing, small businesses, and farms. He notes skyrocketing housing costs across the state and previews an upcoming meeting with federal housing officials aimed at increasing supply, lowering prices, expanding first‑time homebuyer access, and reducing interest rate pressure. Clay and Buck underscore how these affordability issues have become decisive for independent voters in states experiencing rapid population growth. Nothing is Impossible Shannon Bream, Chief Legal Correspondent at the Fox News Channel, nerds out with Clay and Buck over several high‑stakes Supreme Court cases expected in the coming months. She details upcoming rulings on redistricting, race‑based gerrymandering, and executive power, noting that the timing of decisions could influence how states draw congressional maps ahead of the 2026 midterms. The conversation expands to unresolved tariff‑refund disputes created by recent court rulings and the Supreme Court’s stalled investigation into the Dobbs leak, which she says produced no identified culprit and may be difficult to reopen. Clay and Buck also ask about speculation that aging justices like Samuel Alito might retire while Trump still controls Senate confirmations, though Bream says there are no signs of imminent departures. She also talked about her new book out today: “Nothing is Impossible with God: Eleven Heroes. One God. Endless Lessons in Overcoming”. Suspicious Packages Breaking news emerges as Clay and Buck monitor reports of suspicious packages near Gracie Mansion in New York City following a series of politically charged protests. Clay and Buck highlight how rising tensions around radicalism, counter‑protests, and public safety are shaping the national conversation. This leads into a blistering critique of CNN’s framing of an incident involving homemade bombs thrown outside the home of New York City Mayor Zohran Mamdani. The hosts argue that CNN’s softened, narrative‑driven portrayal of the suspects reveals deep cultural bias within the network’s editorial process, reinforcing their long‑held belief that CNN’s institutional culture needs a complete overhaul. The hour pivots to the broader media environment, with Clay and Buck praising Elon Musk and the transformation of Twitter into a platform that no longer suppresses stories unfavorable to the left. This launches a humorous sidebar about Gen Z slang terms like “glazing,” “mogging,” and “looksmaxxing,” as the hosts poke fun at generational language shifts and how social media influences cultural vocabulary. From there, the show transitions back to serious geopolitical analysis as Caroline Levitt delivers a White House briefing outlining President Trump’s strategy to stabilize global energy markets during the Iran conflict. Clay and Buck explain how the administration’s rapid response—including offering naval escorts for tankers, waiving certain sanctions, and providing political risk insurance—has helped reverse the temporary oil price spike that rattled markets the previous day. Make sure you never miss a second of the show by subscribing to the Clay Travis & Buck Sexton show podcast wherever you get your podcasts! ihr.fm/3InlkL8 For the latest updates from Clay and Buck: https://www.clayandbuck.com/ Connect with Clay Travis and Buck Sexton on Social Media: X - https://x.com/clayandbuck FB - https://www.facebook.com/ClayandBuck/ IG - https://www.instagram.com/clayandbuck/ YouTube - https://www.youtube.com/c/clayandbuck Rumble - https://rumble.com/c/ClayandBuck TikTok - https://www.tiktok.com/@clayandbuckYouTube: https://www.youtube.com/@VerdictwithTedCruzSee omnystudio.com/listener for privacy information.

Tuesday, March 10, 2026 In this episode: Seven U.S. service members have been killed and 140 troops have been wounded in the first 10 days of the U.S.-Israeli war against Iran; Energy Secretary Chris Wright posted – and then deleted – that the U.S. Navy had "successfully escorted an oil tanker through the Strait of Hormuz," sending oil prices down nearly 20%; U.S. military destroyed 16 Iranian mine-laying vessels near the Strait of Hormuz, as Trump warned Tehran to remove any mines “IMMEDIATELY” or face military consequences "at a level never seen before"; the Trump administration told Israel to stop striking Iranian energy infrastructure, saying it was "not happy"; House Speaker Mike Johnson declined to condemn anti-Muslim remarks by Reps. Andy Ogles and Randy Fine, saying instead that he had spoken to them about “our tone and our message”; Justice Ketanji Brown Jackson said the Supreme Court's use of emergency orders is “not serving the court or our country well”; a federal judge ruled that three Justice Department lawyers jointly leading the New Jersey U.S. attorney's office were unlawfully appointed; and a whistleblower complaint alleges that a former DOGE engineer copied two Social Security databases that contain records for more than 500 million Americans and took them to his new job at a government contractor. Read more: Day 1876: "They have no exit strategy." Newsletter: Get the daily edition of WTFJHT in your inbox Feedback? Let me know what you think AI Policy: My AI policy

"Carl and Jane" have eight million bucks, and their advisor is suggesting a 130/30 long-short investing strategy. Joe Anderson, CFP® and Big Al Clopine, CPA spitball on whether this is a smart tax move or unnecessary complexity - and whether they would do it themselves, today on Your Money, Your Wealth® podcast number 572. Plus, Tyrone and Tova think they may never even need their retirement accounts, so do they really need to bother with Roth conversions if the kids are going to inherit the money anyway, or could skipping the conversions mean losing half their retirement income to taxes? Mark in San Diego is juggling Roth conversions and Social Security timing without blowing up his tax bill, or the income-related monthly adjustment amount for Medicare, or net investment income tax. And "Boat Drinks" has a big non-qualified deferred compensation plan. How can he structure payouts before it turns into a tax nightmare - and before he potentially gets laid off? Free Financial Resources in This Episode: https://bit.ly/ymyw-572 (full show notes & episode transcript) The Emotionless Investing Guide - free download https://purefinancial.com/white-papers/emotionless-investing-guide/?utm_source=LibsynDestinations&utm_medium=podcast&utm_campaign=YMYW-572  The Ultimate Guide to Roth IRAs - free download https://purefinancial.com/white-papers/roth-ira-white-paper/?utm_source=LibsynDestinations&utm_medium=podcast&utm_campaign=YMYW-572  The Truth About Your Love/Hate Relationship with Money - YMYW TV https://purefinancial.com/ymyw/episodes/truth-about-love-hate-relationship-with-money/?utm_source=LibsynDestinations&utm_medium=podcast&utm_campaign=YMYW-572    Financial Blueprint (self-guided): https://bit.ly/PureFinancialBlueprint  Financial Assessment (Meet with an experienced professional): https://bit.ly/PureFreeAssessment  REQUEST your Retirement Spitball Analysis: https://bit.ly/AskJoeAndAl  DOWNLOAD more free guides: https://bit.ly/PureGuides  READ financial blogs: https://bit.ly/PureFinBlog  WATCH educational videos: https://bit.ly/PureEdVideos  SUBSCRIBE to the YMYW Newsletter: https://bit.ly/YMYWNewsletter    Connect With Us: Subscribe on YouTube and join the conversation in the comments: https://bit.ly/YMYW-YT  Subscribe or follow YMYW in your favorite podcast app: https://lnk.to/ymyw  Leave your honest reviews and ratings in Apple Podcasts: https://podcasts.apple.com/us/podcast/your-money-your-wealth/id312900254    Chapters: 00:00 - Intro: This Week on the YMYW Podcast 01:12 - Should Investors with $8M Use a 130/30 Long-Short Investing Strategy? (Carl Sandburg and Jane Addams, California) 12:42 - We'll Never Need Our Retirement Accounts. Should We Still Do Roth Conversions? (Tyrone and Tova) 27:18 - Roth Conversions vs. Social Security: Which Comes First? What About IRMAA and NIIT? (Mark, California) 38:16 - How to Structure Non-Qualified Deferred Compensation Payouts When a Layoff Might Be Coming? (Boat Drinks) 50:10 - Outro: Next Week on the YMYW Podcast

At a time when modern medicine is allowing people to enjoy longer, fuller lives, mortality is not always a chief concern. But when a serious illness occurs, the topic becomes unavoidable. This became especially clear during the early days of the COVID-19 pandemic when hospitals were overrun with patients, many with grim prognoses. "The pandemic gave all of us a sense that life can be short and there's the very real possibility of dying," says Jennifer Kapo, MD, director of the Palliative Care Program at Yale New Haven Hospital. "It opened the door for us to talk more about death and have a better sense of our mortality." Palliative care is a caregiving approach for anyone with a serious or chronic medical condition; its goal is to maximize quality of life and manage symptoms. In addition to helping patients and their families navigate difficult conversations and decisions, palliative care team members are attentive to "goals of care," which means understanding the patient's wishes and how medical steps can help achieve them. For example, if a patient has a low likelihood of coming off a ventilator, that would be made clear to them, if possible, before they were put on one, explains Laura Morrison, MD, a physician in the Palliative Care Program. "The pandemic highlighted the need for us to have more proactive and earlier conversations with patients and their families. If we gave them the chance to make a choice, some might say they don't want to die in an intensive care unit," Dr. Kapo adds. Still, many people still aren't sure what palliative care really means. Below, we talk with a few members of Yale Medicine's program to better understand it. How does palliative care differ from hospice care? Palliative care is a specialized model of care for people living with serious or chronic illnesses including cancer, heart and liver failure, dementia, and pulmonary disease. Like hospice care, the focus is on maximizing comfort and quality of life. But palliative and hospice care differ in that hospice is for patients who are not receiving life-extending treatment, and is typically limited to the last six months—or less—of one's life. Palliative care, conversely, can be integrated into a patient's medical care at any point during their illness, from diagnosis to end-of-life, and can include life-extending medical treatment. "Essentially, palliative care is an extra layer of support for any patient who has a serious illness. That can include attention to pain and other symptom management, as well as help coping with the stress of having the illness," Dr. Morrison explains. "We also focus on facilitating communication between patients, their families, and medical providers." The Palliative Care Program has 35 members in various disciplines, including physicians, nurses, social workers, a chaplain, a psychologist, and a pharmacist. Palliative care services are offered to all patients at Yale New Haven Hospital and Smilow Cancer Hospital, and at Smilow's outpatient offices. And it provides care on a spectrum, based on what patients and their loved ones need in the moment. "At the beginning of a serious illness, a patient's needs might revolve around addressing anxiety over their diagnosis," Dr. Kapo says. Plus, taking care of the entire family, and not just the patient, is an important element, Dr. Kapo adds. "Our goal is to provide the best quality of life possible to patients and their families, which is why our bereavement program is also an important element. Our care does not stop when a loved one dies," she says. How is palliative care broached with patients? Because Yale Medicine offers palliative care to hospitalized patients, that is often where someone first hears about the model of care. "We typically structure the conversation broadly at first and ask a patient what they understand about their illness, what they have heard about it, and what they believe about it," Dr. Kapo says. "If a patient has no idea that death is a real possibility, we spend a lot of time sharing information. Or, if they have been sick for five years and know that time may be short, we talk about what is important to them and what they want to do with the time they have left." That, Dr. Kapo says, opens a conversation about a patient's values. "We listen very carefully and get a sense of whether this is a patient with goals of wanting to extend life no matter what it takes, or someone who is more interested in quality of life," she says. The goal of palliative care is not to change a patient's mind about their decisions, she adds. "It's to listen to a patient's story and support their decisions," Dr. Kapo says. "If someone tells me that they will fight for every last second of life, no matter what the cost might be physically, then we honor that." Meanwhile, a social worker can provide support and address any psychosocial issues. For example, if someone is just diagnosed with a critical illness, their primary concern might be how they can still work and pay their bills. The team's social worker can help them navigate the logistics of their health insurance coverage and sick time policies, among other issues. With other patients, the social worker might help explain a diagnosis to a patient's children in an age-appropriate way. The program also has a medical-legal partnership that assists patients with estate planning; navigating entitlements, including Social Security and insurance; and advance directives (a living will), a written statement of a patient's wishes regarding medical treatment in the event they are unable to communicate them to a doctor. What are the benefits of palliative care? Palliative care is by no means a new medical concept. In fact, it was all medical providers had before many current treatments were invented. "Back in the early 20th century, before antibiotics and chemotherapy and many other therapies we now have, physicians provided palliative care as their treatment," Dr. Morrison says. "Our job was to be present, hold hands with patients, and relieve symptoms as it was possible. Morphine might have been given for pain." Today, palliative care encompasses not only all the advanced medical treatments and medications now available, but it is increasingly being woven into care for chronic conditions. Meanwhile, research has shown that palliative care is effective. One study published in The New England Journal of Medicine in 2010 examined patients newly diagnosed with metastatic non-small cell lung cancer. One group received standard oncologic care; the other had standard oncologic care with palliative care added on. Those in the palliative care group reported less anxiety and depression and were also hospitalized less. They also lived a month longer. Subsequent similar studies expanding to other populations with advanced serious illness have also shown positive outcomes.  (CREDITS: YALE MEDICINE)

If you're married, your Social Security claiming strategy is not just about your benefit — it's about protecting your spouse's income for life. In this video, I'll explain the most overlooked Social Security rule for married couples and how it can dramatically affect the surviving spouse's financial security.Many retirees don't realize that when one spouse passes away, one Social Security check disappears. The surviving spouse only keeps the larger of the two benefits, which means the higher earner's claiming decision may be the most important Social Security decision you make.Using a real-life style example, Kevin walks through how delaying Social Security can significantly increase the survivor benefit, potentially adding thousands of dollars per month for the spouse who lives the longest. He also explains why couples who claim too early may unintentionally reduce the surviving spouse's income during the most financially vulnerable years of retirement.However, this strategy doesn't apply to everyone. I'll also share three situations where it may actually make sense to ignore the typical advice to delay Social Security, including health considerations, investment strategies, and withdrawal rate concerns.If you are within 5–10 years of retirement, married, and have saved $1M or more, this Social Security strategy could have a major impact on your long-term retirement income plan.⁠Are you interested in working with me 1 on 1?⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Click this link to fill out our Retirement Readiness Questionnaire⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Or,⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠visit my website⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⛳ PFR Nation (Who This Is For)If you're over 50, have saved seven figures (or multiple seven figures), love golf and travel, and you want to make work optional while minimizing taxes… welcome to the right place.This is for general education purposes only and should not be considered as tax, legal or investment advice.

In this BigDeal rerun, Scott Galloway breaks down how the American Dream's playbook — degree, home, wealth — is broken. Housing costs have tripled relative to income. Two-thirds of young men aren't going to college. One in three men under 30 doesn't have a girlfriend. And the wealthiest generation in history is systematically extracting wealth from the youngest through tax policy, artificial scarcity, and a rigged economic structure most people never see. Scott Galloway has built and lost hundreds of millions. He's an NYU Stern professor, serial entrepreneur, and one of the most honest voices on what's actually happening in the economy and the future of young people. In this conversation, he breaks down the transfer of wealth from young to old, why loneliness and extremism are the biggest threats to society, and the formula for economic security that actually works. You'll learn why Social Security is the largest wealth transfer in history, how the tax code ballooned from 400 to 4,000 pages, why housing went from four years of salary to twelve, how elite institutions use rejection as a business model, why we're producing too few economically viable men, Scott's SCAF framework for fighting depression, and the four-part formula for financial security — plus why low-cost index funds beat 99% of hedge funds. If you're young, ambitious, or trying to win in a system that feels rigged, this episode will change how you see the game. Ready to turn your newsletter into a side hustle? Head to https://beehiiv.link/e2bp10 and use code CODIE30 for 30% off your first three months. ___________ 00:00:00 Introduction 00:01:32 The Elegant Transfer of Wealth: Young to Old 00:06:00 The College Admissions Scam: Artificial Scarcity 00:08:39 COVID's Intergenerational Theft: The $6 Trillion Giveaway 00:22:33 Your Economic Survival Guide: Focus, Stoicism, Time, and Diversification 00:47:30 The Rejection Superpower: Why Failure Is Your Edge 00:53:40 The Young Men Crisis: Loneliness, Dating, and Economic Viability 01:08:00 What Young Men Need: Guardrails, Plans, and Demonstration of Excellence 01:17:22 The LBO Boom and Corporate Concentration: Who Really Owns America 01:31:10 Elon Musk and the Tech Bro Problem: Post-America While Leveraging America ___________ MORE FROM BIGDEAL

Inflation doesn't always show up loudly, and for many federal employees and retirees, the biggest danger is assuming COLA will protect their retirement income. In this episode of the Plan Your Federal Retirement podcast, Micah Shilanski, Managing Partner, Wealth Advisor, and Luke Eberly, Wealth Advisor, break down the "COLA mirage": why cost-of-living adjustments often fail to keep pace with real inflation, rising FEHB premiums, and increasing expenses. They explain how COLA works differently for federal employees, FERS retirees, Social Security, and special provision employees, and why many retirees see their buying power shrink year after year, even after an increase. Listen in to find out what practical steps you can take before and during retirement to guard against inflation, help protect your cash flow, and avoid spending down your retirement savings too quickly. https://zurl.co/RFWJd

Who should be responsible for an American retirement? For the early part of the nation's history, that was never a consideration. The fate of older Americans was on them. Then in the early 20th century, a host of movements ushered in company pensions and Social Security, helping to create the modern-day idea of retirement for many workers. But as pensions fade into 401(k)s and Social Security teeters, workers again find themselves bearing more responsibility and risk of financing their golden years.  This episode is part of The Wall Street Journal's USA250: The Story of the World's Greatest Economy, a collection of articles, videos and podcasts aiming to offer a deeper understanding of how America has evolved. Further Reading: The Struggle To Keep America's Workers Safe An Economy Built on Speculation Americans Are Claiming Social Security Early, Fearful of Its Future This New Investing Idea Isn't Right for Your Retirement Plan How to Keep This Hot Stock Market From Melting Your Retirement Dreams Lloyd Blankfein Misses Being Goldman Sachs CEO—Mostly When There's a Market Crisis Wall Street Is Pushing Private Assets Into 401(k)s. We Asked Whether Anyone Wants Them. Learn more about your ad choices. Visit megaphone.fm/adchoices

This week on the Retirement Quick Tips podcast, I'm talking about When You Shouldn't Delay Social Security: 5 Smart Reasons to Claim Early Today, I'm talking about the final scenario worth considering when deciding whether or not to start social security earlier rather than later - which is to smooth out your lifetime tax liability in retirement.

Some retirement opportunities disappear the moment you miss them. From this past weekend’s radio show, Mike Douglas walks through the age‑based windows that shape retirement outcomes long before and after you stop working. The conversation covers key moments at 50, 55, 59½, 65, 70, and 73, along with the real‑world consequences of missing Medicare deadlines, Social Security timing, and required distributions. It’s a practical discussion about planning around rules, taxes, and life changes—before those options quietly close. Schedule your complimentary appointment today: MichigansRetirementCoach.com Follow us on social media: YouTube | Facebook | Instagram | LinkedInSee omnystudio.com/listener for privacy information.

This week on the Retirement Quick Tips podcast, I'm talking about When You Shouldn't Delay Social Security: 5 Smart Reasons to Claim Early Today, I'm talking about the final scenario worth considering when deciding whether or not to start social security earlier rather than later - which is to smooth out your lifetime tax liability in retirement.

Picture this: a 6'5" financial advisor squeezed into a tiny Mitsubishi Mirage, sparking laughter and life lessons on the highway. In this episode, Matt and Kyle kick things off with stories that just might make you spit out your morning coffee—and then swiftly steer you into the realities of retirement planning. How much should you actually be saving? Is your money destined for growth, or is it languishing in the financial equivalent of a go-kart? The answers are more surprising—and accessible—than you think.But don't get too comfortable in the passenger seat. From overlooked Roth strategies to the pitfalls of easy credit, the guys share candid stories and clever tips that could make the difference between retiring early or scrambling late. Whether you're starting out or thinking of changing lanes, they'll tease out truths you won't want to miss. So buckle up—because this episode packs both humor and hard-won wisdom, and the ride is just getting started.Join Matthew Allgeyer and Kyle Jones as they dive into the crucial issues shaping your retirement. In this episode of Your Retirement Highway, our hosts discuss a key retirement topic, sharing expert advice, actionable strategies, and experiences that matter. From taxes and Social Security to long-term care and market volatility, they cover what you need to know to chart your retirement course with clarity and confidence.

On this episode: You buy something and they try to add on and add on. Is your financial advisor doing it too? Your risk profile: Where is your bottom? Or is that even the right question? This could be your biggest hurdle if you retire early. Subscribe or follow so you never miss an episode! Check out Fire Your Financial Advisor on YouTube! Learn more at GoldenReserve.com or follow on social: Facebook & LinkedIn.See omnystudio.com/listener for privacy information.

Gene and Alyssa answered questions and explored important topics: She asks how she might open a 529 plan for a grandson in California? She wants to understand how to gift $20,000 to her son without paying income taxes? He asks if car lease payments are tax deductible? She attended the PBS Live Event with her husband and had some pretty nice things to say . . . He asks if he should use the traditional 401(k) option while his wife using the roth option? Free Second Opinion Meetings Meet with a More than Money advisor to review your entire financial picture or simply project your retirement Meet with our Social Security partner to plan the best S/S strategy for you Meet with our estate planning attorney partner to review your estate plans – if you have any Meet with our insurance partner to review your life or long term care coverages Discover how to have your 401(k) professionally managed without leaving your company plan Schedule a free second opinion meeting with a More than Money advisor? Call today (610-746-7007) or email (Gene@AskMtM.com) to schedule your time with us.

There are a few birthdays that matter a lot more than the candles on the cake

This week's listener question comes from a self-described “Type-A podcast listener girlie” who—financially speaking—is absolutely crushing it. At 32 years old, she's earning about $100,000, saving 25% for retirement, and has already built roughly $450,000 in Roth accounts, plus a brokerage account and cash savings. Her partner, the same age, entered the workforce later after earning an advanced degree and currently makes about $60,000 while saving 12%. They're planning to get married soon, combine finances, buy a home in the next few years, and maybe even retire early someday. But here's the twist. She's comfortable with the idea that her early savings created a large portion of their future financial security. Her partner isn't so sure. Coming from a blue-collar, dual-income household built around pensions and Social Security, he feels uneasy about benefiting from wealth that largely came from her earlier discipline and opportunity. In other words: When the traditional earning dynamic flips, how do couples navigate the psychology of fairness, partnership, and shared success?

“Behold, children are a heritage from the Lord, the fruit of the womb a reward.” - Psalm 127:3 Children are a precious gift from God—an inheritance to cherish and steward well. Along with the joy of welcoming a new baby comes a new layer of responsibility, including financial decisions that can shape your family's future. A thoughtful checklist can help bring clarity and peace during a season that is both beautiful and demanding. Here are several key financial steps to consider after bringing a newborn home. Add Your Baby to Health Insurance In the midst of sleepless nights and constant diaper changes, don't forget to update your health insurance. Most plans allow about 30 days after birth to add your baby to your policy. While reviewing your coverage, confirm that pediatric care, vaccinations, and potential hospital visits are included. The birth of a child qualifies as a life event, meaning you can make necessary adjustments to your plan. Review Your Life Insurance Coverage Life insurance is essential for parents—not for the baby, but for you. A common guideline is to carry term life insurance equal to at least 10 times the primary breadwinner's salary. Don't overlook the caregiving spouse either. Replacing the cost of childcare, household management, and daily care would be significant, making coverage for both parents wise and necessary. Update Your Budget A new baby brings new expenses—and often quickly. Consider creating a dedicated “baby” category in your budget to account for diapers, wipes, clothing, feeding supplies, and medical needs. You may need to shift funds from other areas to stay balanced. Planning now can ease stress later and help you adjust as needs evolve. Create or Update Your Will A will is not just about distributing assets—it's where you designate a guardian for your child. While this can feel like a difficult decision, having a plan in place is essential. After prayerful consideration, choose someone who would care for your child with wisdom and love. You can always revise your decision later. A clear will can also prevent confusion or conflict and ensure your assets pass according to your wishes. As Proverbs 13:22 reminds us, “A good man leaves an inheritance to his children's children.” That inheritance includes not only finances but also a legacy of faith and stewardship. Strengthen Your Emergency Fund If you don't already have an emergency fund, aim to save three to six months of living expenses. If you had one before your baby arrived, you may need to increase it to reflect higher monthly costs. Unexpected medical bills, job changes, or major purchases—such as strollers or childcare—can quickly strain finances. A strong emergency fund provides stability during uncertain moments. Update Your Taxes and Withholding With a new child, you can claim an additional dependent on your tax return, which may qualify you for a child tax credit of up to $2,200 per child. You'll also want to update your W-4 at work so your withholding reflects your new household size. This may increase your take-home pay throughout the year. Begin Education Savings Starting early can make a significant difference. A 529 plan allows tax-free investment growth for qualified education expenses, including private K–12 schooling, vocational training, and college. You can open a plan in any state, and family members or friends can contribute to it. New options like the Trump Accounts opening up in July of 2026—are government-seeded investment accounts designed to support future education, business startup costs, or homeownership—are also expanding the ways families can plan ahead. Protect Your Child's Identity Finally, consider placing a credit freeze on your child's file with the major credit bureaus. This simple step can help guard against identity theft and prevent unauthorized accounts from being opened in their name. Stewarding the Gift Welcoming a child is one of life's greatest joys—and one of its greatest responsibilities. Financial preparation won't eliminate every uncertainty, but it can create stability and margin for what matters most: loving your child and pointing them toward Christ. As you plan, remember that the ultimate inheritance you pass on is not financial—it's a legacy of faith, wisdom, and trust in the Lord who provides for every season. On Today's Program, Rob Answers Listener Questions: How can I evaluate whether a ministry is a wise place to give? I've received appeals from the Far East Broadcasting Company about outreach into North Korea, but I don't know how to vet them. At 70 and 75, after health and job setbacks, we want to steward about $30,000 wisely for our kids and 15 grandkids. We're not experienced investors—what's the best way to handle this at our stage of life? I began Social Security at full retirement age but still work full-time. My benefit hasn't been recalculated despite higher earnings. Who can help me resolve this—an agency or an attorney? After downsizing and paying off debt, we have a manageable mortgage and solid savings. Should we pay extra to pay off the mortgage quickly, or keep the payments and focus on saving and enjoying this season? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) ECFA | Charity Navigator Betterment | Schwab Intelligent Portfolios® | Sound Mind Investing (SMI) Social Security Administration (SSA.gov) Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

FF: Inflation, Retirement, and the Fourth Turning The start of the Federal Reserve was around the same time as we changed how we vote for our legislators and started the income tax. We talk about how this changed things here in the U.S. Too much warfare and welfare caused the dollar to reach a crisis moment in 1971. We talk about the upcoming Fed chair, Kevin Warsh, and his viewpoints on inflation. We talk about Social Security, socialized medicine, retirement, and inflation. We also cover how you can know what consumer price inflation will be by looking at the money growth rate in a country. We discuss how you can use assets to have a better financial future. We are nearing the end of the Fourth Turning. Use the information we share to prepare yourself and your family to not only survive but thrive, even with the big changes to come! Sponsors: American Gold Exchange Our dealer for precious metals & the exclusive dealer of Real Power Family silver rounds. Get your first, or next bullion order from American Gold Exchange like we do. Tell them the Real Power Family sent you! Click on this link to get a FREE Starters Guide. Or Click Here to order our new Real Power Family silver rounds. 1 Troy Oz 99.99% Fine Silver Abolish Property Taxes in Ohio: www.AxOHTax.com  Get more information about abolishing all property taxes in Ohio. Our Links: www.RealPowerFamily.com Info@RealPowerFamily.com 833-Be-Do-Have (833-233-6428)

Chris Stigall brings exclusive conversations from Washington, D.C. First, FDA Deputy Commissioner Kyle Diamantis discusses the Make America Healthy Again (MAHA) movement's momentum on food quality. He credits Secretary Kennedy for elevating issues like food dyes, ultra-processed foods (70% of kids' calories), and the flipped Dietary Guidelines promoting real, whole foods—impacting school meals, SNAP, and $400 million daily federal nutrition spending. Diamantis addresses glyphosate frustrations as part of a non-linear progress toward regenerative farming, while noting industry responsiveness to consumer demand and the protein marketing boom.Then, Congressman Derrick Van Orden previews Trump's State of the Union focus on patriotism and accomplishments (tax cuts, no tax on Social Security/tips/overtime, family farm protections). He explains soaring beef prices due to the New World screw worm parasite (border closed to Mexican feeder cattle imports for protection), the need for small family farms, and upcoming Farm Bill changes for intrastate meat marketing.A deep dive into health policy, rural America, and economic realities.00:00:00 - Introduction00:00:37 - Kyle Diamantis on MAHA & Food Moment00:01:28 - Passion for Food Quality00:03:03 - Flipped Dietary Guidelines00:04:36 - Ultra-Processed Foods Crisis00:05:13 - Europe vs. U.S. Food Spending00:06:16 - Post-WWII Shelf Stability Origins00:07:44 - Food Dyes & Industry Response00:08:35 - Protein Boom in Marketing00:09:51 - Glyphosate Discussion00:11:56 - Derrick Van Orden Interview00:13:14 - Tax Wins and Family Benefits00:14:33 - Rural America & Family Farms00:15:05 - Supply Issues & Small Producers00:16:02 - Screw Worm Threat00:17:24 - Border Closure Explanation00:18:56 - Voter ID Broad Support00:20:36 - On The Filibuster00:21:46 - Frustrations of Congress00:25:30 - Faith and Freedom 250Follow The Lion on Facebook, Instagram, X, and YouTube. You can also sign-up for our newsletter and follow our coverage at ReadLion.com. To learn more about the Herzog Foundation, visit HerzogFoundation.com. Like and follow us on Facebook, X, and Instagram, or sign up to receive monthly email updates. #ChristianEducation #Education #EducationPolicy #EducationReform #FaithAndLearning #Family #FaithInEducation #Faith #Homeschool #ChristianSchool #PrivateSchool #EducationNews #News #Religion #ReligiousNews #PublicSchool #SchoolNews #NewsShow #SchoolChoice

Federal workers and military families are navigating one of the most complex tax seasons in recent memory. New rules on overtime, car‑loan interest, and Social Security are changing how many households will file. Here to break down the changes and what they mean in practice is Mike Meese, president of Armed Forces Mutual.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

From DC restaurants to nationwide enforcement, today's episode dives into how the Department of Homeland Security is cracking down on illegal employment. We explore Trump's legal battles, unprecedented circuit court victories, and how employers nationwide are scrambling to verify employee status. Plus, why this is sending Democrats into a panic. Episode Summary Today's episode uncovers a multi-layered fight over immigration enforcement, legal precedent, and illegal labor in America: Trump vs. Judges: The president faces more injunctions than any in U.S. history, mostly from liberal judges trying to block immigration enforcement. With a strong AG like Pam Bondi, Trump is winning key battles and finally gaining traction to enforce existing laws. IRS Data & Enforcement Breakthrough: A landmark circuit court decision allows DHS to use IRS data to target illegal employees—something previously blocked by activist judges. This has triggered panic in liberal media and among employers. Immediate Impact: Over 130 illegal employees at five DC restaurants were terminated after DHS letters demanded proof of legal work status. Employers across the nation are now under scrutiny. This is the first major enforcement since Bill Clinton's administration. Identity Fraud & Economic Impact: Illegal employment is linked to massive identity theft and economic consequences for Americans. Social Security number fraud is rampant among illegal workers, affecting multiple states and payroll systems. Welfare & Incentives: The episode examines how illegal immigrants have accessed welfare and Medicaid programs, and the Trump administration's efforts to cut these benefits while providing incentives—like plane tickets and cash bonuses—for voluntary return to home countries. Legal & Political Stakes: The crackdown highlights the ongoing battle with Democrat-controlled states over access to food stamp rolls, voter rolls, and enforcement cooperation. Americans are urged to stay engaged in the midterms to support these enforcement efforts. This episode lays out the legal, political, and operational strategies in the fight against illegal employment, showing how new enforcement powers are changing the game. Key Topics Department of Homeland Security enforcement letters & nationwide crackdown Circuit court victories for immigration enforcement Use of IRS and Social Security databases for illegal worker verification Illegal labor & identity fraud Welfare & public assistance for illegal immigrants Implications for Trump's broader immigration strategy Political stakes in the midterms

From immigration enforcement to Iranian assassination plots, today's episode exposes how Trump fights both legal and political battles while Democrats redefine religion and push radical agendas. We break down DOJ victories, ICE enforcement actions, and the bizarre new ideology of “Democrat Christianity.” Episode Summary This episode dives into two massive stories shaking America today: 1. Immigration & Law Enforcement Wins Trump has faced more injunctions than any president in U.S. history, mostly from liberal judges trying to block immigration enforcement. Major victories now allow the Department of Homeland Security to cross-check IRS, Social Security, and citizen databases to identify illegal workers. Employers are reacting: at least 131 illegal immigrant employees at five D.C. restaurants were terminated after DHS letters demanded proof of work eligibility. Identity theft and illegal labor are rampant, and these new enforcement powers are already causing nationwide disruptions. Americans displaced in the workforce now have support: free plane tickets and $2,600 per person to return to their home countries. 2. Iranian Assassination Plot Against Trump Court filings confirm real attempts on Trump's life by Iranian-backed teams, including Pakistani national Asif Merchant and Afghan national Farhad Shakiri. Media and some conservatives, including Matt Walsh and Tucker Carlson, have questioned these plots, creating confusion among supporters. The DOJ prosecutions and federal court filings prove the attempts were real, highlighting the ongoing threat to Trump and other American politicians. 3. Democrats Redefining Christianity & Society Texas Senate candidate James Tallarico promotes a radical interpretation of Christianity: nonbinary heaven, abortion-friendly theology, and support for transgender ideology. Democrats are reshaping religion, claiming white Americans are a “virus” and promoting a version of faith that aligns with progressive politics. The episode exposes these efforts as part of a broader strategy to co-opt traditional institutions and indoctrinate Americans with new-age ideology. This episode connects the dots between law enforcement, national security, and cultural warfare, showing how political, legal, and ideological battles are unfolding simultaneously. Key Topics Trump's immigration enforcement victories and injunction battles DHS letters exposing illegal employment and identity fraud DOJ prosecutions of Asif Merchant & Farhad Shakiri Iranian assassination plots and media/party skepticism Democrat redefinition of Christianity, gender, and race ideology Social and cultural impacts on American institutions

Retirement planning after divorce can feel overwhelming, especially when you are suddenly responsible for your financial future on your own. In this episode of The D Shift, Strategic Divorce Consultant Mardi Winder speaks with certified financial planner Eric Blake about how women can make confident, informed retirement decisions after divorce, widowhood, or remaining single.They break down one of the most confusing topics for many women. Social Security. You will learn how ex-spousal and survivor benefits work, why the 10-year marriage rule matters, how remarriage affects eligibility, and how the timing of your claim can significantly impact your long-term income.The conversation also explores:• How to create a retirement strategy after a gray divorce• Why becoming overly conservative with investments can be risky• The impact of inflation on long-term retirement planning• How to manage cash flow, debt, and tax strategy post-divorce• Why women must be active decision makers in their financial futureThis episode is designed for women who want to move from financial uncertainty to clarity and take a strategic approach to retirement after divorce.About the Guest:Eric Blake is a CERTIFIED FINANCIAL PLANNER® professional and the founder of Blake Wealth Management, specializing in helping women 55+ navigate retirement with clarity and confidence. With more than 25 years of experience, Eric provides strategies to optimize investments, create reliable income, and minimize taxes. Inspired by his mother and grandmother's financial journeys, Eric has a personal passion for empowering women to take control of their financial future.For Eric's gift: www.womenssocialsecurityguide.comTo connect with Eric: Blake Wealth Management: www.blakewealthmanagement.com The Simply Retirement Podcast: www.thesimplyretirementpodcast.com LinkedIn: linkedin.com/in/ericblakecfp Facebook: www.facebook.com/EricBlakeCFP YouTube: www.youtube.com/@TheSimplyRetirementPodcastAbout the HostMardi 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 the podcast on Apple Podcasts. You can also subscribe in your favorite podcast app.Leave us an Apple Podcast ReviewRatings and reviews from our listeners are extremely valuable to us and greatly appreciated. They help our podcast rank higher on Apple Podcasts, which exposes our show to more awesome listeners like you. If you have a minute, please leave an honest review on Apple Podcasts.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the stock market volatility tied to escalating tensions in the Middle East and the critical Strait of Hormuz, where roughly 20% of global oil flows, looking back at the 1973 OPEC oil embargo, stagflation, and how markets have historically responded to geopolitical shocks. They also cover State Farm’s historic $5 billion dividend payout to auto policyholders, Google’s bold move to issue a 100-year bond as a long-term AI confidence play, and the reality of potential Social Security benefit reductions in the early 2030s. Finally, they wrap with listener questions on adjusting stock allocations amid global conflict, calculating emergency cash when income fluctuates, and whether to lock in gains early in retirement or simply rebalance and stay disciplined.See omnystudio.com/listener for privacy information.

Federal employees with a FERS pension have a unique advantage when deciding when to claim Social Security—but choosing the wrong claiming age can significantly affect your lifetime retirement income. Understanding how Social Security timing works with a FERS pension, TSP savings, and other retirement income sources can help federal retirees build a more flexible and sustainable retirement strategy.If you're a federal employee planning retirement, knowing whether to claim Social Security at 62, wait until full retirement age, or delay until age 70 can impact taxes, survivor benefits, and long-term income. In this episode, we break down Social Security claiming strategies for federal employees, how a FERS pension changes the decision, and key retirement planning factors like longevity, spousal benefits, and break-even analysis.

So, I sat down at the mic and I don't have a clue what I'm going to talk about today! I've had a lot of questions come across over the last few weeks, let me look at those I guess. Oh, and I'm Marty and I appreciate you joining us here at Warehouse and Operations as a Career this week. Ok, where's my bullet points. I've made a few notes on several of them, so let's talk about a couple of those. Ok, a listener wrote that I mention retirement quite a bit. That's an important topic so let's start there. Now I know, if you’re 20 years old unloading trucks, running a pallet jack, selecting cases at 180 cases per hour, or learning how to operate a stand-up reach forklift retirement does not enter your mind, you're thinking about the paycheck because you've got bills to pay! Retirement is not something you reach, it's something you build. And whether you realize it or not, you are already working toward it every single shift. When you start your career in the light industrial arena, you're focused on making it through the probation period, learning the WMS, hitting your productivity numbers, maybe getting cross-trained or learning that next position and the next promotion. Retirement is nowhere on the radar. But the truth is, the day you receive your first paycheck from a company that reports your earnings, you begin building your retirement record. Every time you punch in and your employer withholds taxes, you're contributing to the system. And that system keeps score. So Let's talk about Social Security for just a minute. No politics. No noise. It probably should be said that I am no authority on the social security system or tax system and by no means a retirement advisor so take nothing I say today as gospel and if you have serious questions reach out to someone other than an operations guy! So some notes I took from a quick internet search tells me that you earn work credits by working and paying into the system. You can earn up to 4 credits per year. Most people need 40 credits, about 10 years of work, to qualify for retirement benefits. If you work “under the table” and your earnings aren't reported, you are not earning credits. You might feel like you're ahead today, but you're stealing from your future self, and your future self will live with that decision. Our earnings can matter more than we think. I understand that Social Security calculates your benefit based on your highest 35 years of earnings. That means that promotions matter, our raises matter. Those certifications will matter. Moving from general labor to equipment operator can matter. When I talk about building a career instead of just working a job, this is part of what I mean. Higher reported earnings over time can mean hundreds of dollars more per month in retirement. And that difference lasts for the rest of your life. Here's something most young workers may not understand. Presently, you can begin drawing Social Security as early as age 62. But if you do, your monthly benefit is reduced. For many younger workers today, full retirement age is 67. If you wait beyond that, up to age 70, your monthly benefit increases even more. Here's how someone explained it to me. If you clock out early every shift, your paycheck is smaller. If you stay the full shift, sometimes even staying for the overtime, the paycheck grows and is larger. Retirement works the same way. And once you choose when to start collecting or drawing your social security, that decision follows you for life. Here's something else that we need to understand. Social Security was designed as a foundation, not the whole house! If your facility offers a 401(k), an employer match, a Roth option, make sure we ask questions understand those things. If your employer matches contributions, that is free money. I've seen young associates pass on it because they “need every dollar right now.” I understand that. I really do. But even $25 or $50 a week, invested consistently over 30 or 40 years, can grow into something meaningful because of compound growth. Time is your greatest asset when you're young. Not your strength and not speed or productivity. In this instance time is our greatest financial asset! We all know Warehousing is demanding. Loading trucks, Selecting cases, operating equipment and working 10-hour shifts on concrete floors is rough. Your body is strong in your 20s, even in your 30s, you still bounce back. Then In your 40s, you start noticing things. By your 50s and 60s? You respect recovery time a lot more. Planning for retirement isn't about quitting work. It's about having options. And planning can get us there. You've heard me mention Career planning vs. Paycheck planning. A paycheck mindset says “I just need this week covered.” Whereas our career mindset says “I'm building something that lasts.” When you show up on time every shift, protect your attendance record, willingly accept cross-training, maybe learn inventory control and learn dispatch, or learn how the operation works. You are increasing your lifetime earnings potential. And our lifetime earnings impact our retirement. Everything is connected. I want to mention the forty credits. That's the minimum many workers need to qualify for Social Security retirement benefits. Ten years of documented, reported work. That's not a long time. But if you spend years bouncing in and out of undocumented work, quitting without records, or not paying attention to your earnings history, you can delay or reduce your benefits. It's important to review your earnings record periodically, make sure it's accurate. This is your future income. If you're 20-something listening to this start early, build skills, increase earnings, and think long term. Don't sacrifice tomorrow for temporary comfort today. I think retirement is about having the choice to mentor part-time, consult, volunteer, travel, spend time with family and friends, or simply rest. But choice only comes with planning. You are already working toward retirement. Forty credits. Thirty-five years of earnings. Small weekly investments. Consistent growth and career decisions that increase long-term value. This is the long game. And in warehousing, just like in life, the long game is what matters most. Ok, enough of all that. Here's one more bullet point I wanted to mention. I jotted this down a couple of weeks ago, I don't remember who asked about it, but I'm asked the question almost monthly. How am I going to get a job as a forklift driver if no company is willing to train me? A fair question, but honestly, most all companies train people to operate their forklifts.  There are no shortcuts to becoming an equipment operator. I urge associates interested in being equipment operators to target a company within a distance from the house that you can commit to the commute for every shift. Make sure they are using the kind and type of equipment you're wanting to drive and take any utility position to get your foot in the door with them. Show up every day with a great attitude and be willing to learn every task they offer you. After about 3 to 6 months of being that employee, approach your manager and share your goal of being an operator. Companies train their associates. An employee knows the warehouse, they know every item, they know how the warehouse flows and works. Yes, you can take a short course and pay for a license. That's a whole story on its own, that I won't climb up on my soap box about right now, anyway, what you're likely to find is that the first question a hiring agent is going to ask is, how much experience do you have? When we get our foot in the door as an unloader, loader, maybe even a sanitation associate, or almost any general labor job, our management team is more apt to work with us. They already have an investment in us, and we've shown them, and now told them, that we have a goal, and a plan. We're going to be the safest and most productive equipment operator they've ever trained. Companies do train operators, they have to train them because it can take many months, even years to be a productive operator. So to answer the question. Companies do train. In my opinion, we have to work ourselves into the position. Theres no class that can teach us everything. We develop those skills over time, through experience. And that's my 2 cents on that! Theres my own personal thoughts on two points today. I hope I mentioned something that helped you or got you to thinking about a plan. Until next week, please be safe at work and at home, stay focused on the task at hand. We all want to do it again tomorrow!

This episode dives deep into the political battles over election integrity, voter rolls, and Republican infighting: Explosive DHS hearing on ICE and polling place involvement Illegal immigrant voting concerns and blocked voter roll access Senator John Thune's obstruction of Trump's recess appointments SAFE Act delays and Republican party sabotage Upcoming Texas Senate runoff: Ken Paxton vs. Cornyn, and the baggage that comes with it Political theater, media hype, and bizarre campaign stories From Washington to Texas, we break down who's helping or hindering Trump's election and policy goals, plus the drama you won't see on mainstream media.

What if the Bible doesn't just give us advice about money—but reshapes the way we think about it entirely? The messages we absorb from culture shape our fears, our goals, and even where we look for security. But Scripture offers a different foundation—one that brings clarity, freedom, and purpose to every financial decision. Ron Blue—co-founder of Kingdom Advisors and a pioneer in biblical financial stewardship—joined the show today to share how Scripture reframes our assumptions about money and calls us into a deeper, more faithful way of living. The False Promise of Security One of the most powerful cultural assumptions about money is that it provides security. We spend much of our lives trying to answer the question: How much is enough? But Scripture turns that question upside down. True security, the Bible teaches, isn't found in wealth, savings, or income—it's found in God alone. Culture urges us to pursue more, feeding discontent and anxiety. Scripture calls us instead to pursue faithfulness. Money can create the illusion of certainty. But it cannot protect us from life's ultimate realities. It cannot buy peace. It cannot purchase eternity. Only God provides the kind of stability that lasts forever. Contentment Is a Spiritual Choice Many people feel that no matter how much they have, it never feels like enough. Scripture addresses that tension directly. Hebrews 13:5 calls us to “be content with what you have,” reminding us that contentment isn't a financial outcome—it's a spiritual posture. Contentment grows when we trust that God knows our needs and promises to provide for them. Gratitude replaces striving. Peace replaces fear. Joy replaces comparison. Fear often sits beneath our financial habits—the fear of not having enough or losing what we already have. But Scripture gently redirects our hearts: God is our provider, and He will supply what we need when we need it. From Ownership to Stewardship Another assumption Scripture overturns is the idea that what we have belongs to us. The Bible consistently teaches that God is the true owner of everything. He created it. He sustains it. And for a season, He entrusts resources to us. That changes the central question of our financial lives. Ownership asks: What do I want? Stewardship asks: What does God want? When we see money as something entrusted to us rather than as something we possess, it reshapes how we spend, save, give, and plan. We begin to live not as controllers, but as faithful trustees—managing God's resources for His purposes. Scripture also helps us understand a difficult reality: people receive different amounts of resources. God loves each of us equally, but He treats us uniquely. He knows what each person needs and what each can faithfully steward. That perspective invites trust instead of comparison. Much like a loving parent treats each child according to their personality and needs, God provides for each of His children differently. What we have today is not random—it reflects His wisdom and care. The Next Faithful Step When Scripture reshapes our understanding of money, the goal isn't perfection—it's faithfulness. The question becomes simple and practical: What is my next faithful step? Not how much more can I accumulate. Not how secure can I make myself. But how can I steward what God has entrusted to me today? That perspective brings freedom. It replaces pressure with purpose and transforms money from a source of anxiety into a tool for worship, generosity, and trust. Because in the end, the Bible doesn't just change what we do with money—it changes what we believe about it, and ultimately, who we trust to provide. On Today's Program, Rob Answers Listener Questions: I have about $40,000 in credit card debt, and I'm trying to decide the best way to tackle it. Should I pursue credit counseling or consider a home equity loan—and why might credit counseling be the better option? I want to be a faithful steward of what God has entrusted to me, and I'm trying to understand the difference between tithing and offerings. I haven't been giving a full 10% of my gross income, and I'm wondering if I'm missing the mark. Can you offer some clarity? I'm about to apply for Social Security and want to know the best way to do it. Is it better to apply online, by phone, or in person at a local office? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Tithing: A Fresh Look at an Ancient Practice (Article by John Cortines in Faithful Steward, Issue 3) Christian Credit Counselors Social Security Administration (SSA.gov) Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

David McKnight discusses the allocation of $1M if he had it to invest in 2026.  David sees a taxable brokerage account as the least efficient investment account you could possibly own – since it's taxed every year and it's exposed to both short- and long-term capital gains. While this type of account is liquid and can serve as an excellent emergency fund, it's the most tax-unfriendly of all the investment alternatives. The goal, says David, isn't to grow wealth within this type of account, rather to use it as a funding source to systematically build multiple tax-free income streams for retirement. Roth IRAs, which can be funded for a combined $17,200 per year (for your and your spouse's Roth IRA) is the first place David believes the money should go. Next, you should aim at maxing out your Roth 401(k)s – which is $24,500 a person for people under 50 and $32,500 per person. David explains how you can convert taxable money into tax-free money without triggering a massive taxable event and without disrupting your lifestyle. 70% total U.S. stock market index fund, 30% total international stock market index fund is the only allocation you'll ever need, says David. Having to properly structure and fully fund an indexed universal life policy (IUL) is the most misunderstood piece of the strategy discussed by David. The idea is to see an IUL as a way to grow a portion of the $1M portfolio safely and productively, and not to use it as an investment replacement or stock alternative… Historically, IULs have grown 5-7% in net fees over time – with zero stock market risks. The goal of day one of retirement is to have 3-5 years of living expenses sitting in your IUL's cash value, tax-free. This is your volatility buffer. According to a recent Ernst & Young study, the strategy discussed in this episode provides far more income, a far greater likelihood that your money will last through life expectancy and far more money to the next generation compared to the investment-only approach. Suze Orman recommends the exact same strategy but with a difference: Instead of using an IUL she suggests using a savings account that has rock bottom taxable rates of return. However, an IUL is a more effective tool, as it grows far more productively as tax-free, protects your principal, and the death benefit can double as long-term care protection. David's strategy doesn't include bonds as an IUL is safer: No sequence of returns risk early in retirement, not being forced to sell stocks in a down market. "I generally don't ever recommend bonds. There are far better instruments that are safer, more productive, and more tax-efficient tools, with IUL being one of them", illustrates David.  Many experts expect tax rates to rise dramatically by 2035 to pay interest on the national debt, bail out Social Security, and bail out Medicare and Medicaid. When that happens, you just don't want to be sitting on a massive taxable account..! The goal is to shift as much as possible from the $1M portfolio into tax-free accounts before 2035 – you want to have them in your Roth IRAs, Roth 401(k)s, and IUL cash value. Conversely, you only want about six months' worth of living expenses sitting in your taxable account.     Mentioned in this episode: David's new book, available now for pre-order: The Secret Order of Millionaires David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track Tax-Free Income for Life: A Step-by-Step Plan for a Secure Retirement by David McKnight DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com Dave Ramsey Ernst & Young Suze Orman

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

This week on the Retirement Quick Tips podcast, I'm talking about When You Shouldn't Delay Social Security: 5 Smart Reasons to Claim Early Yesterday, I talked about how there could be several benefits - including more predictable income and tax scenarios in retirement from high net worth individuals claiming earlier rather than later. This flies in the face of conventional advice, and can be overly simplistic for the millions of married couples who are trying to decide how and when to claim social security.  So today, I'm talking about scenarios where married couples can benefit from claiming earlier.

The S&P 500 is undergoing a historic transformation that could fundamentally reshape the stock market landscape. With the Magnificent Seven experiencing a brutal February and sectoral rotations accelerating, America's flagship index is evolving in unprecedented ways.Today's Stocks & Topics: MPLX LP (MPLX), Market Wrap, Pullback in Precious Metals?, Invesco S&P MidCap 400 GARP ETF (GRPM), Options, The S&P 500 Identity Crisis: Historic Shifts Reshape America's Index, Vanguard Energy Index Fund ETF Shares (VDE), Uber Technologies, Inc. (UBER), Oil Markets, The Wendy's Company (WEN), When to take Social Security, Small Caps ETFs.Our Sponsors:* Check out Anthropic: https://claude.ai/invest* Check out Pebl: https://hipebl.ai* Check out Progressive: https://progressive.com* Check out Quince: https://quince.com/INVESTAdvertising Inquiries: https://redcircle.com/brands

If you plan to punch the clock for the final time decades before "standard" retirement age, you need a financial strategy that goes beyond just saving. Joe Anderson, CFP® and Big Al Clopine, CPA spitball five different early retirement plans to see whose numbers are tight and who is ready to go for it, today on Your Money, Your Wealth® podcast 571. George in South Carolina wants to retire in 8 years at 53. Does he have enough in his brokerage account to bridge the gap to Social Security? Joe in Massachusetts is saving a staggering $200,000 a year, but will his high-spending lifestyle make a multi-million dollar nest egg look small? The fellas help 26-year-old Jonathan in Florida map out a path to retire in his 40s using his 457 plan, and they spitball on whether early exit strategies for both Kris and Rojo in California are a "green light" or a reality check. Plus, Joe explains why the "Rule of 55" and Roth conversions might be some of the most important tools in your early retirement toolbox. Free Financial Resources in This Episode: https://bit.ly/ymyw-571 (full show notes & episode transcript) Withdrawal Strategy Guide - free download: https://purefinancial.com/white-papers/withdrawal-strategy-guide/?utm_source=LibsynDestinations&utm_medium=podcast&utm_campaign=YMYW-571 Long-Term Care Planning Guide - free download: https://purefinancial.com/white-papers/long-term-care-planning-options/?utm_source=LibsynDestinations&utm_medium=podcast&utm_campaign=YMYW-571 The #1 Spending Mistake Ruining Retirements - YMYW TV: https://purefinancial.com/ymyw/episodes/number-one-spending-mistake-ruining-retirements/?utm_source=LibsynDestinations&utm_medium=podcast&utm_campaign=YMYW-571 Financial Blueprint (self-guided): https://bit.ly/PureFinancialBlueprint Financial Assessment (Meet with an experienced professional): https://bit.ly/PureFreeAssessment REQUEST your Retirement Spitball Analysis: https://bit.ly/AskJoeAndAl DOWNLOAD more free guides: https://bit.ly/PureGuides READ financial blogs: https://bit.ly/PureFinBlog WATCH educational videos: https://bit.ly/PureEdVideos SUBSCRIBE to the YMYW Newsletter: https://bit.ly/YMYWNewsletter Connect With Us: Subscribe on YouTube and join the conversation in the comments: https://bit.ly/YMYW-YT Subscribe or follow YMYW in your favorite podcast app: https://lnk.to/ymyw Leave your honest reviews and ratings in Apple Podcasts: https://podcasts.apple.com/us/podcast/your-money-your-wealth/id312900254 Chapters:  00:00 - Intro: This Week on the YMYW Podcast 01:06 - Is Retiring at 53 With No Pension a Smart Move or a Risky Bet? (George, South Carolina) 11:59 - High Income, High Spend, Early Retirement: Does the Math Still Work? (Joe, MA) 18:39 - At 26, Should I Go All In on a 457 to Retire Way Early? (Jonathan, Florida) 26:41 - Can I Retire Early and Still Cover Health Care and Long Term Care Costs? (Kris, California) 33:33 - I'm a Widowed Parent. Can I Retire at 57 and Still Fund College and Legacy Goals? (Rojo, California) 43:08 - Outro: Next Week on the YMYW Podcast

Many investors feel a real tension today. They want their portfolios to reflect biblical convictions. They care about justice, stewardship, and human dignity. Yet they're also navigating volatility, inflation, and economic uncertainty. When markets feel unstable, the question quietly surfaces: Do I have to choose between faithfulness and financial performance? The answer may surprise you. Today, we sat down with Stella Tai, Stewardship Investing Impact and Analysis Manager at Praxis Investment Management, one of the country's oldest faith-based mutual fund families and a valued underwriter of this program. Our conversation centered on whether values-aligned investing can truly pursue both impact and competitive returns—even in uncertain times. The Tension Investors Feel In strong markets, impact investing can sound inspiring and straightforward. But when markets grow choppy, many investors feel drawn into survival mode. “I need to focus on returns.” “I can't afford to think about impact right now.” Stella noted that this tension isn't just financial—it's spiritual. People of faith don't want to pull back from caring about stewardship or community flourishing. But they also worry: Will my returns suffer if I invest with conviction? That's an honest question.  Scripture reminds us in Proverbs 21:5 that “the plans of the diligent lead surely to abundance.” There's a difference between being responsive and being reactionary. When anxiety drives decisions, fear often replaces conviction—and that's when costly mistakes happen. Discipline Over Panic At Praxis, stewardship in uncertain markets begins with discipline. Stella described three anchors: Financial rigor in every market cycle. Serious analysis, ongoing evaluation of risk and opportunity, and team-based decision-making help ensure emotions don't drive the ship. Integration of impact with fundamentals. Impact and performance are not competing priorities. They are designed to work together. A long-term orientation. Rooted in stewardship, not speculation. Hebrews 12:11 reminds us that discipline may feel painful in the moment, but it yields a peaceful fruit of righteousness. That's true in spiritual formation—and in investing. What Values-Aligned Performance Actually Looks Like One common misconception is that screening companies based on faith convictions automatically sacrifices performance. Stella explained that Praxis uses what's called benchmark tracking. In simple terms, that means aiming to closely track the broader market while thoughtfully excluding companies that don't align with biblical values. The goal isn't to “beat the market.” It's to minimize what's known as “tracking error”—the gap between a fund's returns and its benchmark. In other words, you can seek market-level returns while owning companies that better reflect your convictions. Over full market cycles—not just in a single quarter—faith-based investors should expect competitive returns. That commitment to consistency is central. Impact Beyond Screening Screening is often the most familiar strategy in values-aligned investing. But real impact doesn't stop there. Praxis recently released its Real Impact Report, highlighting a framework that includes multiple strategies—from screening and shareholder advocacy to direct community investing. One powerful example involved long-term engagement with a large utility company in the Southeast. Instead of divesting, Praxis used its ownership stake to advocate for: A just transition for workers and communities as coal plants retire Science-based emissions reduction targets Responsible planning tied to renewable energy growth The company published just transition metrics and began tracking progress. That's what patient, long-term engagement looks like. Rather than stepping away, they stayed invested—believing transformation often happens through steady, faithful presence. Where to Begin If you're intrigued by impact investing but feel overwhelmed, start with clarity. Ask yourself: What values matter most to me? What kind of world do I want my capital to help build? What are my long-term financial goals? Then consider working with an advisor familiar with faith-based investing options. You don't have to master every strategy. Firms like Praxis Investment Management handle the research, engagement, and implementation. Your role is simpler—and profound: to say, "I want my money to reflect my values." When multiplied across many investors, even small portfolio decisions can move markets toward greater justice, dignity, and stewardship. And in uncertain times, that kind of disciplined conviction may be one of the most faithful investments you can make. On Today's Program, Rob Answers Listener Questions: I'm 60 and recently lost a long-time job. I have about $1.5 million in a volatile 401(k) and would prefer not to draw from it yet. With my wife working part-time and income limited, how should I reposition this account to make it safer and navigate this transition? If I take Social Security before full retirement age and accept the reduced benefit, how do cost-of-living adjustments factor in? Do future COLAs help offset that early-retirement reduction? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Praxis Investment Management Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Confused by the Roth IRA 5-year rule? Did you know there are two different 5-year rules? Well, it can get quite confusing, so this episode is meant to be your complete guide for everything around the Roth 5-year rules.

Show DescriptionWe talk with Frederik Braun from Mozilla about the Sanitizer API, how it works with HTML tags and web components, what it does with malformed HTML, and where CSP fits in alongside the Sanitizer API. Listen on WebsiteWatch on YouTubeGuestsFrederik BraunGuest's Main URL • Guest's SocialSecurity engineer and manager working on the Mozilla Firefox web browser Links Frederik Braun: Why the Sanitizer API is just setHTML() Frederik Braun freddyb (Frederik B) SponsorsBluehostDo you ever feel like pre-configured hosting is slowing you down? That is where VPS hosting starts to make a lot more sense. With Bluehost VPS, you are not stuck inside someone else's environment. You get full control of the server. You can spin up Docker, deploy containerized apps, run workflows, and connect your CRM, databases, and APIs without weird restrictions. No shared bottlenecks. No artificial limits. If you want to actually own your stack, your data, your performance, your roadmap, VPS is the move.

Retiring at 55 is not just retiring ten years earlier. It changes the entire math of your life. From 55 to 65, expenses are often at their highest. You are covering healthcare before Medicare, traveling more, and living fully. At the same time, Social Security has not started. Everything comes from your portfolio. On paper, that can feel uncomfortable. Withdrawal rates look high. The numbers can scare you.But that spike is temporary. Once Medicare and Social Security begin, the pressure on your portfolio drops dramatically. The mistake many people make is evaluating retirement as if every year must look the same. It will not. The early years are different, and planning for them requires intention, not fear.There are also powerful tax decisions available in that window. Roth conversions, capital gain strategies, and income management for health insurance subsidies all compete for priority. You cannot optimize everything at once. The right move depends on how your assets are structured and what future taxes may look like.And then there is the part that does not show up in a spreadsheet. Your highest energy years are limited. Waiting from 55 to 65 does not just shorten retirement. It compresses the healthiest, most active chapter of it. Ten years earlier can mean tripling the time you have in your true go go years.The question is not simply whether you can afford to retire at 55. It is whether you can afford not to examine the opportunity carefully. Retirement planning is math. It is also life. When those two align, the decision becomes clearer.Learn the tips & strategies to get the most out of life with your money._ _ 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!