Podcasts about social security

EXCLUSIVE: Is your money safe in today's economy? In this bonus interview, Paula Pant sits down with financial expert Rob Berger to unpack the latest on inflation, interest rates, market valuations, and the future of Social Security. Together, Paula and Rob dive into the tough questions: Is the American Dream dead for Gen Z? Will there be another market crash? How should you invest when stocks feel overpriced? Can you still retire comfortably if Social Security gets cut? Rob also shares his insights on asset allocation, diversification, and long-term investing strategies — advice that matters whether you're in your 20s saving for a first home or in your 60s planning for retirement. Don't miss this conversation between Paula Pant and Rob Berger — a deep dive into money, markets, and the decisions that shape your financial future. Timestamps: (04:19) CPI Numbers, Mortgage Rates, and Market Outlook (05:05) Inflation, Jobs & the Fed's Dilemma (05:46) Stagflation Concerns (06:38) Interest Rate Predictions (07:29) Stock Market Valuations & The Magnificent Seven (09:46) Diversification & Index Fund Concerns (10:53) Rules of Thumb for Asset Allocation (12:07) Bonds: TIPS vs. Nominal Treasuries (13:04) The Future of Social Security (14:41) Retirement Planning for Ages 55–60 (16:59) Should You Invest More Aggressively Near Retirement? (18:52) Gen Z, Millennials & the American Dream (21:08) Action Plan for a 25-Year-Old Buyer (22:45) Predictions for 2026 (and Why Predictions Fail) (25:12) Closing Thoughts & Where to Find Rob Berger Resources mentioned: The Rob Berger Show on YouTube Free Asset Location Cheat-Sheet Learn more about your ad choices. Visit podcastchoices.com/adchoices

Inflammatory headlines are "Clickbait", and I am not immune to falling for them. "Social Security recipients set to face an $18,000 benefit cut in just seven years" is the most recent culprit in my Google feed - with an image of a Social Security check with a wrecking ball smashing straight through it. The good news is the headline is pretty far from reality for most people, and I explain why. Listen in to understand who might actually be impacted, and why most people actually won't. Source: Article by Emily Peck on Axios: "Social Security recipients set to face an $18,000 benefit cut in just seven years"   Connect with Benjamin Brandt Get the Retire-Ready Toolkit: http://retirementstartstodayradio.com Subscribe to the newsletter: https://retirementstartstodayradio.com/newsletter Work with Benjamin: https://retirementstartstoday.com/start Follow Retirement Starts Today in:Apple Podcasts, Spotify, Overcast, Pocket Casts, Amazon Music, or iHeart  Get the book!Retirement Starts Today: Your Non-financial Guide to an Even Better Retirement  

A Sunday Conversation with David Alan Carmichael - Faith, Freedom, and the Fight Against Fear https://robertscottbell.com/a-sunday-conversation-with-david-alan-carmichael-faith-freedom-and-the-fight-against-fear/ This Sunday, I'll be joined by my dear friend David Alan Carmichael, a man who has stood boldly for religious and spiritual freedom in ways that most people can hardly imagine. David has been on the front lines when it comes to confronting a secular government that seeks to bind us in fear and restrict our God-given liberty. Together, we'll explore what it really means to live by faith when the world tells you to bow to fear. We'll reflect on the shocking assassination of Charlie Kirk, a man of courage and conviction, and what his example calls us to do in this pivotal moment. David and I will discuss whether we respond with fear and retreat—or with courage, faith, and a determination to carry on the mission God has given us. This isn't about politics. It's about standing boldly in truth, no matter the cost. David will also share his remarkable personal journey—suing the U.S. government, fighting to live without a Social Security number, and challenging the system when it tried to enslave him and his family. He'll explain how he and his children have lived faithfully outside of that system, and why their fight for passports and basic freedoms has now reached all the way to the Supreme Court. What makes this conversation so powerful is the testimony of miracles along the way. From divine appointments with judges and lawyers to victories that defy logic, David's story is proof that God is not limited by man's rules. You'll hear how faith, obedience, and courage have opened doors no government could shut, and how these battles for liberty are about more than just documents—they're about living as free men and women under God. This Sunday Conversation will not only challenge the way you think about freedom, government, and faith, but it will also inspire you to stand boldly in your own calling. We'll remind you that true freedom comes from God alone, and that even in the darkest moments, love and truth light the way. Don't miss this powerful discussion with David Alan Carmichael—it may just change the way you see your role in the fight for liberty.https://boxcast.tv/view/a-sunday-conversation-with-david-alan-carmichael---faith-freedom-and-the-fight-against-fear---the-rsb-show-9-14-25-xgvgziwj0pktyzkhrovf Please read this disclaimer carefully before you (“you”, “your”) use our [Your Website URL] website (“website”, “service”) operated by the [Your Business Name] (“operator”, “us”, “we”, “our”). Purpose and Character The use of copyrighted material on the website is for non-commercial, educational purposes, and is intended to provide benefit to the public through information, critique, teaching, scholarship, or research. Nature of Copyrighted Material Weensure that the copyrighted material used is for supplementary and illustrative purposes and that it contributes significantly to the user's understanding of the content in a non-detrimental way to the commercial value of the original content. Amount and Substantiality Our website uses only the necessary amount of copyrighted material to achieve the intended purpose and does not substitute for the original market of the copyrighted works. Effect on Market Value The use of copyrighted material on our website does not in any way diminish or affect the market value of the original work. We believe that our use constitutes a 'fair use' of any such copyrighted material as provided for in section 107 of the U.S. Copyright Law. If you believe that any content on the website violates your copyright, please contact us providing the necessary information, and we will take appropriate action to address your concern.

Send us a textJeff and Scott chat with Henry (Hank) Aaron, a Senor Fellow Emeritus at the Brookings Institution, about Social Security. They discuss how it started, how we fund it, who gets it, how it has been reformed, and how it could be fixed.

Would you rather build a financial future lined with velvet cushions, or one pieced together with spud bags??   Too many households in Ireland—and globally—are entering retirement without the savings needed to sustain their lifestyle. In this episode, I explore the uncomfortable truth behind retirement readiness, from the dominance of State Pensions to the worrying lack of planning, and why delayed gratification and early saving matter more than ever. Key Points: State Pension reliance: In Ireland, over half of workers without private pensions expect to rely mainly on the State Pension (€15,100 p.a. in 2025). Research insights: CCPC data shows 26% of adults are completely unprepared for retirement; many regret starting pensions too late or don't understand how they work. Spending reality: Retirement spending often follows a U-shaped “smile”—high early, lower mid-life, higher again with health costs. But reductions are often enforced, not chosen. Global parallels: US data mirrors the same challenge—most middle-aged households have modest pension balances, and Social Security dominates retirement income. Cultural habits: Rising instant-spending patterns today may make cutting back tomorrow feel like deprivation. Solutions: Start saving early, define retirement goals, regularly review pension performance, seek professional advice, and prepare for Auto Enrolment (2026). The takeaway: Financial freedom in retirement won't just happen—it must be planned for deliberately, and the time to act is now.

CONTINUED David Pietrusza's book, Roosevelt Sweeps Nation: FDR's 1936 Landslide and the Triumph of the Liberal Ideal, chronicles Franklin Delano Roosevelt's pivotal re-election campaign in 1936, a moment that fundamentally reshaped American political demographics and solidified the New Deal as a national agenda. The campaign began under the shadow of the death of Louis Howe in April 1936, FDR's closest political strategist and confidant since 1912. Howe, despite his "unpleasant acerbic" nature and poor health, was an invaluable aide, worshiping FDR and actively pushing Eleanor Roosevelt into political activism following FDR's 1917 affair. His passing left Roosevelt to navigate a complex political landscape on his own. Roosevelt faced significant opposition from both the political right and left. On the right, Al Smith, former Governor of New York and FDR's erstwhile mentor, emerged as a fierce critic. Disaffected since FDR's governorship, Smith believed Roosevelt's "forgotten man" speech and New Deal policies constituted "class warfare." Allied with wealthy individuals like the DuPonts and E.F. Hutton, Smith co-founded the American Liberty League, which lambasted the New Deal as unconstitutional and socialist, compelling Roosevelt to wage his own campaign of "class warfare" against these "rich guys in the Silk Hats." From the populist left, FDR contended with the legacy of Huey Long, the charismatic Louisiana senator assassinated in September 1935. Long's radical "Share Our Wealth" program, advocating for massive wealth redistribution and government provision of cars and radios to every family, garnered millions of followers and represented "the greatest force of the populist left." His strategy was to siphon votes in 1936 to ensure a Republican victory, creating a worse economic situation that would pave his way to the presidency in 1940. In Georgia, conservative populist Eugene Talmadge, while ideologically different from Long (being a "Jeffersonian conservative" who refused to fund welfare), also vigorously opposed the New Deal through "race baiting" and accusations of "communist influence," drawing some of Long's former supporters. A significant third-party challenge coalesced around Dr. Francis Everett Townsend, an elderly physician whose Townsend Plan proposed giving $200 a month to every person over 60, requiring them to spend it within 30 days to stimulate the economy. Though Roosevelt personally disliked "the dole," the plan's immense popularity and the formation of millions of Townsend clubs pushed FDR to swiftly introduce Social Security. Townsend later joined forces with Father Charles Edward Coughlin, an influential "radio priest" who initially supported FDR but turned against him over monetary policy, and Reverend Gerald L. K. Smith, a fiery orator akin to Long, along with Congressman William Lemke. This "amateur" coalition, however, failed to gain significant electoral traction, securing only 1.2% of the vote due to ballot access issues in major states and a lack of experienced political leadership. Coughlin, notably, was a more prominent radio figure than FDR for a period, influencing millions through his syndicated broadcasts. FDR's secret meeting with Coughlin at Hyde Park, orchestrated by Joseph Patrick Kennedy, famously ended in a rupture, leading to open political warfare. Ideological parties also presented concerns. The Socialist Party, led by Norman Thomas, consistently polled hundreds of thousands of votes, particularly in urban centers like New York City. The Communist Party USA, under Earl Browder (chosen by Stalin for his pliability and non-Jewish background), initially condemned the New Deal as "fascist." However, with the rise of Adolf Hitler and the global shift to a "popular front" strategy, the Communist Party covertly supported FDR to keep him in power against the looming international threats, while running their own candidate to avoid the "kiss of death" of an overt endorsement. Media mogul William Randolph Hearst, who controlled a vast empire of 28 newspapers and eight radio stations, also became a powerful opponent. Despite initially supporting FDR in 1932, Hearst grew increasingly disaffected by the New Deal's progressive policies and taxes on the wealthy, leading to a "long bumpy involved breakup." FDR even considered "throwing 46 men who make a million dollars a year to the wolves," a direct reference to Hearst and his wealthy allies. The Republican Party ultimately nominated Alf Landon, the Governor of Kansas, a "complete surprise" and "least interesting character." Landon, a progressive Republican favored by Hearst, was known for balancing Kansas's budget but was widely regarded as uncharismatic and a poor public speaker, especially on radio, a crucial medium of the era. His campaign message, promising only a more efficient implementation of New Deal programs he had largely supported, failed to energize the electorate. Earlier potential nominees included Herbert Hoover, William Borah, Frank Knox, and Arthur Hendrick Vandenberg. Roosevelt's campaign, in stark contrast, was dynamic. First Lady Eleanor Roosevelt played an indispensable role, defying initial party reluctance to campaign vigorously. She became a crucial link to the African-American vote in Northern cities, even though FDR, for political reasons, declined to support an anti-lynching law favored by Eleanor and the NAACP. Roosevelt himself delivered powerful, "frenzied and irate" speeches, most notably his Madison Square Garden address on Halloween night, where he famously embraced the "hatred" of "economic royalists" and promised accountability, a compelling message of "class warfare" that galvanized the electorate despite his own staff's initial horror at its perceived demagoguery. Despite initial polls, like the Literary Digest (which had predicted a Landon victory), suggesting a close race, Rooseveltachieved an unprecedented landslide. He won 46 of 48 states, secured overwhelming Democratic majorities in both houses of Congress (74 senators, 334 representatives), and claimed 38 governorships. Crucially, FDR carried 104 of 106 major cities, solidifying the Democratic Party's urban strength and marking a profound political realignment in American history. This decisive victory was a clear mandate for the New Deal and established the foundation of the modern Democratic Party.

CONTINUED David Pietrusza's book, Roosevelt Sweeps Nation: FDR's 1936 Landslide and the Triumph of the Liberal Ideal, chronicles Franklin Delano Roosevelt's pivotal re-election campaign in 1936, a moment that fundamentally reshaped American political demographics and solidified the New Deal as a national agenda. The campaign began under the shadow of the death of Louis Howe in April 1936, FDR's closest political strategist and confidant since 1912. Howe, despite his "unpleasant acerbic" nature and poor health, was an invaluable aide, worshiping FDR and actively pushing Eleanor Roosevelt into political activism following FDR's 1917 affair. His passing left Roosevelt to navigate a complex political landscape on his own. 1944 FALAH Roosevelt faced significant orpposition from both the political right and left. On the right, Al Smith, former Governor of New York and FDR's erstwhile mentor, emerged as a fierce critic. Disaffected since FDR's governorship, Smith believed Roosevelt's "forgotten man" speech and New Deal policies constituted "class warfare." Allied with wealthy individuals like the DuPonts and E.F. Hutton, Smith co-founded the American Liberty League, which lambasted the New Deal as unconstitutional and socialist, compelling Roosevelt to wage his own campaign of "class warfare" against these "rich guys in the Silk Hats." From the populist left, FDR contended with the legacy of Huey Long, the charismatic Louisiana senator assassinated in September 1935. Long's radical "Share Our Wealth" program, advocating for massive wealth redistribution and government provision of cars and radios to every family, garnered millions of followers and represented "the greatest force of the populist left." His strategy was to siphon votes in 1936 to ensure a Republican victory, creating a worse economic situation that would pave his way to the presidency in 1940. In Georgia, conservative populist Eugene Talmadge, while ideologically different from Long (being a "Jeffersonian conservative" who refused to fund welfare), also vigorously opposed the New Deal through "race baiting" and accusations of "communist influence," drawing some of Long's former supporters. A significant third-party challenge coalesced around Dr. Francis Everett Townsend, an elderly physician whose Townsend Plan proposed giving $200 a month to every person over 60, requiring them to spend it within 30 days to stimulate the economy. Though Roosevelt personally disliked "the dole," the plan's immense popularity and the formation of millions of Townsend clubs pushed FDR to swiftly introduce Social Security. Townsend later joined forces with Father Charles Edward Coughlin, an influential "radio priest" who initially supported FDR but turned against him over monetary policy, and Reverend Gerald L. K. Smith, a fiery orator akin to Long, along with Congressman William Lemke. This "amateur" coalition, however, failed to gain significant electoral traction, securing only 1.2% of the vote due to ballot access issues in major states and a lack of experienced political leadership. Coughlin, notably, was a more prominent radio figure than FDR for a period, influencing millions through his syndicated broadcasts. FDR's secret meeting with Coughlin at Hyde Park, orchestrated by Joseph Patrick Kennedy, famously ended in a rupture, leading to open political warfare. Ideological parties also presented concerns. The Socialist Party, led by Norman Thomas, consistently polled hundreds of thousands of votes, particularly in urban centers like New York City. The Communist Party USA, under Earl Browder (chosen by Stalin for his pliability and non-Jewish background), initially condemned the New Deal as "fascist." However, with the rise of Adolf Hitler and the global shift to a "popular front" strategy, the Communist Party covertly supported FDR to keep him in power against the looming international threats, while running their own candidate to avoid the "kiss of death" of an overt endorsement. Media mogul William Randolph Hearst, who controlled a vast empire of 28 newspapers and eight radio stations, also became a powerful opponent. Despite initially supporting FDR in 1932, Hearst grew increasingly disaffected by the New Deal's progressive policies and taxes on the wealthy, leading to a "long bumpy involved breakup." FDR even considered "throwing 46 men who make a million dollars a year to the wolves," a direct reference to Hearst and his wealthy allies. The Republican Party ultimately nominated Alf Landon, the Governor of Kansas, a "complete surprise" and "least interesting character." Landon, a progressive Republican favored by Hearst, was known for balancing Kansas's budget but was widely regarded as uncharismatic and a poor public speaker, especially on radio, a crucial medium of the era. His campaign message, promising only a more efficient implementation of New Deal programs he had largely supported, failed to energize the electorate. Earlier potential nominees included Herbert Hoover, William Borah, Frank Knox, and Arthur Hendrick Vandenberg. Roosevelt's campaign, in stark contrast, was dynamic. First Lady Eleanor Roosevelt played an indispensable role, defying initial party reluctance to campaign vigorously. She became a crucial link to the African-American vote in Northern cities, even though FDR, for political reasons, declined to support an anti-lynching law favored by Eleanor and the NAACP. Roosevelt himself delivered powerful, "frenzied and irate" speeches, most notably his Madison Square Garden address on Halloween night, where he famously embraced the "hatred" of "economic royalists" and promised accountability, a compelling message of "class warfare" that galvanized the electorate despite his own staff's initial horror at its perceived demagoguery. Despite initial polls, like the Literary Digest (which had predicted a Landon victory), suggesting a close race, Rooseveltachieved an unprecedented landslide. He won 46 of 48 states, secured overwhelming Democratic majorities in both houses of Congress (74 senators, 334 representatives), and claimed 38 governorships. Crucially, FDR carried 104 of 106 major cities, solidifying the Democratic Party's urban strength and marking a profound political realignment in American history. This decisive victory was a clear mandate for the New Deal and established the foundation of the modern Democratic Party.

CONTINUED David Pietrusza's book, Roosevelt Sweeps Nation: FDR's 1936 Landslide and the Triumph of the Liberal Ideal, chronicles Franklin Delano Roosevelt's pivotal re-election campaign in 1936, a moment that fundamentally reshaped American political demographics and solidified the New Deal as a national agenda. The campaign began under the shadow of the death of Louis Howe in April 1936, FDR's closest political strategist and confidant since 1912. Howe, despite his "unpleasant acerbic" nature and poor health, was an invaluable aide, worshiping FDR and actively pushing Eleanor Roosevelt into political activism following FDR's 1917 affair. His passing left Roosevelt to navigate a complex political landscape on his own. Roosevelt faced significant opposition from both the political right and left. On the right, Al Smith, former Governor of New York and FDR's erstwhile mentor, emerged as a fierce critic. Disaffected since FDR's governorship, Smith believed Roosevelt's "forgotten man" speech and New Deal policies constituted "class warfare." Allied with wealthy individuals like the DuPonts and E.F. Hutton, Smith co-founded the American Liberty League, which lambasted the New Deal as unconstitutional and socialist, compelling Roosevelt to wage his own campaign of "class warfare" against these "rich guys in the Silk Hats." From the populist left, FDR contended with the legacy of Huey Long, the charismatic Louisiana senator assassinated in September 1935. Long's radical "Share Our Wealth" program, advocating for massive wealth redistribution and government provision of cars and radios to every family, garnered millions of followers and represented "the greatest force of the populist left." His strategy was to siphon votes in 1936 to ensure a Republican victory, creating a worse economic situation that would pave his way to the presidency in 1940. In Georgia, conservative populist Eugene Talmadge, while ideologically different from Long (being a "Jeffersonian conservative" who refused to fund welfare), also vigorously opposed the New Deal through "race baiting" and accusations of "communist influence," drawing some of Long's former supporters. A significant third-party challenge coalesced around Dr. Francis Everett Townsend, an elderly physician whose Townsend Plan proposed giving $200 a month to every person over 60, requiring them to spend it within 30 days to stimulate the economy. Though Roosevelt personally disliked "the dole," the plan's immense popularity and the formation of millions of Townsend clubs pushed FDR to swiftly introduce Social Security. Townsend later joined forces with Father Charles Edward Coughlin, an influential "radio priest" who initially supported FDR but turned against him over monetary policy, and Reverend Gerald L. K. Smith, a fiery orator akin to Long, along with Congressman William Lemke. This "amateur" coalition, however, failed to gain significant electoral traction, securing only 1.2% of the vote due to ballot access issues in major states and a lack of experienced political leadership. Coughlin, notably, was a more prominent radio figure than FDR for a period, influencing millions through his syndicated broadcasts. FDR's secret meeting with Coughlin at Hyde Park, orchestrated by Joseph Patrick Kennedy, famously ended in a rupture, leading to open political warfare. Ideological parties also presented concerns. The Socialist Party, led by Norman Thomas, consistently polled hundreds of thousands of votes, particularly in urban centers like New York City. The Communist Party USA, under Earl Browder (chosen by Stalin for his pliability and non-Jewish background), initially condemned the New Deal as "fascist." However, with the rise of Adolf Hitler and the global shift to a "popular front" strategy, the Communist Party covertly supported FDR to keep him in power against the looming international threats, while running their own candidate to avoid the "kiss of death" of an overt endorsement. Media mogul William Randolph Hearst, who controlled a vast empire of 28 newspapers and eight radio stations, also became a powerful opponent. Despite initially supporting FDR in 1932, Hearst grew increasingly disaffected by the New Deal's progressive policies and taxes on the wealthy, leading to a "long bumpy involved breakup." FDR even considered "throwing 46 men who make a million dollars a year to the wolves," a direct reference to Hearst and his wealthy allies. The Republican Party ultimately nominated Alf Landon, the Governor of Kansas, a "complete surprise" and "least interesting character." Landon, a progressive Republican favored by Hearst, was known for balancing Kansas's budget but was widely regarded as uncharismatic and a poor public speaker, especially on radio, a crucial medium of the era. His campaign message, promising only a more efficient implementation of New Deal programs he had largely supported, failed to energize the electorate. Earlier potential nominees included Herbert Hoover, William Borah, Frank Knox, and Arthur Hendrick Vandenberg. Roosevelt's campaign, in stark contrast, was dynamic. First Lady Eleanor Roosevelt played an indispensable role, defying initial party reluctance to campaign vigorously. She became a crucial link to the African-American vote in Northern cities, even though FDR, for political reasons, declined to support an anti-lynching law favored by Eleanor and the NAACP. Roosevelt himself delivered powerful, "frenzied and irate" speeches, most notably his Madison Square Garden address on Halloween night, where he famously embraced the "hatred" of "economic royalists" and promised accountability, a compelling message of "class warfare" that galvanized the electorate despite his own staff's initial horror at its perceived demagoguery. Despite initial polls, like the Literary Digest (which had predicted a Landon victory), suggesting a close race, Rooseveltachieved an unprecedented landslide. He won 46 of 48 states, secured overwhelming Democratic majorities in both houses of Congress (74 senators, 334 representatives), and claimed 38 governorships. Crucially, FDR carried 104 of 106 major cities, solidifying the Democratic Party's urban strength and marking a profound political realignment in American history. This decisive victory was a clear mandate for the New Deal and established the foundation of the modern Democratic Party.

CONTINUED David Pietrusza's book, Roosevelt Sweeps Nation: FDR's 1936 Landslide and the Triumph of the Liberal Ideal, chronicles Franklin Delano Roosevelt's pivotal re-election campaign in 1936, a moment that fundamentally reshaped American political demographics and solidified the New Deal as a national agenda. The campaign began under the shadow of the death of Louis Howe in April 1936, FDR's closest political strategist and confidant since 1912. Howe, despite his "unpleasant acerbic" nature and poor health, was an invaluable aide, worshiping FDR and actively pushing Eleanor Roosevelt into political activism following FDR's 1917 affair. His passing left Roosevelt to navigate a complex political landscape on his own. Roosevelt faced significant opposition from both the political right and left. On the right, Al Smith, former Governor of New York and FDR's erstwhile mentor, emerged as a fierce critic. Disaffected since FDR's governorship, Smith believed Roosevelt's "forgotten man" speech and New Deal policies constituted "class warfare." Allied with wealthy individuals like the DuPonts and E.F. Hutton, Smith co-founded the American Liberty League, which lambasted the New Deal as unconstitutional and socialist, compelling Roosevelt to wage his own campaign of "class warfare" against these "rich guys in the Silk Hats." From the populist left, FDR contended with the legacy of Huey Long, the charismatic Louisiana senator assassinated in September 1935. Long's radical "Share Our Wealth" program, advocating for massive wealth redistribution and government provision of cars and radios to every family, garnered millions of followers and represented "the greatest force of the populist left." His strategy was to siphon votes in 1936 to ensure a Republican victory, creating a worse economic situation that would pave his way to the presidency in 1940. In Georgia, conservative populist Eugene Talmadge, while ideologically different from Long (being a "Jeffersonian conservative" who refused to fund welfare), also vigorously opposed the New Deal through "race baiting" and accusations of "communist influence," drawing some of Long's former supporters. A significant third-party challenge coalesced around Dr. Francis Everett Townsend, an elderly physician whose Townsend Plan proposed giving $200 a month to every person over 60, requiring them to spend it within 30 days to stimulate the economy. Though Roosevelt personally disliked "the dole," the plan's immense popularity and the formation of millions of Townsend clubs pushed FDR to swiftly introduce Social Security. Townsend later joined forces with Father Charles Edward Coughlin, an influential "radio priest" who initially supported FDR but turned against him over monetary policy, and Reverend Gerald L. K. Smith, a fiery orator akin to Long, along with Congressman William Lemke. This "amateur" coalition, however, failed to gain significant electoral traction, securing only 1.2% of the vote due to ballot access issues in major states and a lack of experienced political leadership. Coughlin, notably, was a more prominent radio figure than FDR for a period, influencing millions through his syndicated broadcasts. FDR's secret meeting with Coughlin at Hyde Park, orchestrated by Joseph Patrick Kennedy, famously ended in a rupture, leading to open political warfare. Ideological parties also presented concerns. The Socialist Party, led by Norman Thomas, consistently polled hundreds of thousands of votes, particularly in urban centers like New York City. The Communist Party USA, under Earl Browder (chosen by Stalin for his pliability and non-Jewish background), initially condemned the New Deal as "fascist." However, with the rise of Adolf Hitler and the global shift to a "popular front" strategy, the Communist Party covertly supported FDR to keep him in power against the looming international threats, while running their own candidate to avoid the "kiss of death" of an overt endorsement. Media mogul William Randolph Hearst, who controlled a vast empire of 28 newspapers and eight radio stations, also became a powerful opponent. Despite initially supporting FDR in 1932, Hearst grew increasingly disaffected by the New Deal's progressive policies and taxes on the wealthy, leading to a "long bumpy involved breakup." FDR even considered "throwing 46 men who make a million dollars a year to the wolves," a direct reference to Hearst and his wealthy allies. The Republican Party ultimately nominated Alf Landon, the Governor of Kansas, a "complete surprise" and "least interesting character." Landon, a progressive Republican favored by Hearst, was known for balancing Kansas's budget but was widely regarded as uncharismatic and a poor public speaker, especially on radio, a crucial medium of the era. His campaign message, promising only a more efficient implementation of New Deal programs he had largely supported, failed to energize the electorate. Earlier potential nominees included Herbert Hoover, William Borah, Frank Knox, and Arthur Hendrick Vandenberg. Roosevelt's campaign, in stark contrast, was dynamic. First Lady Eleanor Roosevelt played an indispensable role, defying initial party reluctance to campaign vigorously. She became a crucial link to the African-American vote in Northern cities, even though FDR, for political reasons, declined to support an anti-lynching law favored by Eleanor and the NAACP. Roosevelt himself delivered powerful, "frenzied and irate" speeches, most notably his Madison Square Garden address on Halloween night, where he famously embraced the "hatred" of "economic royalists" and promised accountability, a compelling message of "class warfare" that galvanized the electorate despite his own staff's initial horror at its perceived demagoguery. Despite initial polls, like the Literary Digest (which had predicted a Landon victory), suggesting a close race, Rooseveltachieved an unprecedented landslide. He won 46 of 48 states, secured overwhelming Democratic majorities in both houses of Congress (74 senators, 334 representatives), and claimed 38 governorships. Crucially, FDR carried 104 of 106 major cities, solidifying the Democratic Party's urban strength and marking a profound political realignment in American history. This decisive victory was a clear mandate for the New Deal and established the foundation of the modern Democratic Party.

CONTINUED David Pietrusza's book, Roosevelt Sweeps Nation: FDR's 1936 Landslide and the Triumph of the Liberal Ideal, chronicles Franklin Delano Roosevelt's pivotal re-election campaign in 1936, a moment that fundamentally reshaped American political demographics and solidified the New Deal as a national agenda. The campaign began under the shadow of the death of Louis Howe in April 1936, FDR's closest political strategist and confidant since 1912. Howe, despite his "unpleasant acerbic" nature and poor health, was an invaluable aide, worshiping FDR and actively pushing Eleanor Roosevelt into political activism following FDR's 1917 affair. His passing left Roosevelt to navigate a complex political landscape on his own. Roosevelt faced significant opposition from both the political right and left. On the right, Al Smith, former Governor of New York and FDR's erstwhile mentor, emerged as a fierce critic. Disaffected since FDR's governorship, Smith believed Roosevelt's "forgotten man" speech and New Deal policies constituted "class warfare." Allied with wealthy individuals like the DuPonts and E.F. Hutton, Smith co-founded the American Liberty League, which lambasted the New Deal as unconstitutional and socialist, compelling Roosevelt to wage his own campaign of "class warfare" against these "rich guys in the Silk Hats." From the populist left, FDR contended with the legacy of Huey Long, the charismatic Louisiana senator assassinated in September 1935. Long's radical "Share Our Wealth" program, advocating for massive wealth redistribution and government provision of cars and radios to every family, garnered millions of followers and represented "the greatest force of the populist left." His strategy was to siphon votes in 1936 to ensure a Republican victory, creating a worse economic situation that would pave his way to the presidency in 1940. In Georgia, conservative populist Eugene Talmadge, while ideologically different from Long (being a "Jeffersonian conservative" who refused to fund welfare), also vigorously opposed the New Deal through "race baiting" and accusations of "communist influence," drawing some of Long's former supporters. A significant third-party challenge coalesced around Dr. Francis Everett Townsend, an elderly physician whose Townsend Plan proposed giving $200 a month to every person over 60, requiring them to spend it within 30 days to stimulate the economy. Though Roosevelt personally disliked "the dole," the plan's immense popularity and the formation of millions of Townsend clubs pushed FDR to swiftly introduce Social Security. Townsend later joined forces with Father Charles Edward Coughlin, an influential "radio priest" who initially supported FDR but turned against him over monetary policy, and Reverend Gerald L. K. Smith, a fiery orator akin to Long, along with Congressman William Lemke. This "amateur" coalition, however, failed to gain significant electoral traction, securing only 1.2% of the vote due to ballot access issues in major states and a lack of experienced political leadership. Coughlin, notably, was a more prominent radio figure than FDR for a period, influencing millions through his syndicated broadcasts. FDR's secret meeting with Coughlin at Hyde Park, orchestrated by Joseph Patrick Kennedy, famously ended in a rupture, leading to open political warfare. Ideological parties also presented concerns. The Socialist Party, led by Norman Thomas, consistently polled hundreds of thousands of votes, particularly in urban centers like New York City. The Communist Party USA, under Earl Browder (chosen by Stalin for his pliability and non-Jewish background), initially condemned the New Deal as "fascist." However, with the rise of Adolf Hitler and the global shift to a "popular front" strategy, the Communist Party covertly supported FDR to keep him in power against the looming international threats, while running their own candidate to avoid the "kiss of death" of an overt endorsement. Media mogul William Randolph Hearst, who controlled a vast empire of 28 newspapers and eight radio stations, also became a powerful opponent. Despite initially supporting FDR in 1932, Hearst grew increasingly disaffected by the New Deal's progressive policies and taxes on the wealthy, leading to a "long bumpy involved breakup." FDR even considered "throwing 46 men who make a million dollars a year to the wolves," a direct reference to Hearst and his wealthy allies. The Republican Party ultimately nominated Alf Landon, the Governor of Kansas, a "complete surprise" and "least interesting character." Landon, a progressive Republican favored by Hearst, was known for balancing Kansas's budget but was widely regarded as uncharismatic and a poor public speaker, especially on radio, a crucial medium of the era. His campaign message, promising only a more efficient implementation of New Deal programs he had largely supported, failed to energize the electorate. Earlier potential nominees included Herbert Hoover, William Borah, Frank Knox, and Arthur Hendrick Vandenberg. Roosevelt's campaign, in stark contrast, was dynamic. First Lady Eleanor Roosevelt played an indispensable role, defying initial party reluctance to campaign vigorously. She became a crucial link to the African-American vote in Northern cities, even though FDR, for political reasons, declined to support an anti-lynching law favored by Eleanor and the NAACP. Roosevelt himself delivered powerful, "frenzied and irate" speeches, most notably his Madison Square Garden address on Halloween night, where he famously embraced the "hatred" of "economic royalists" and promised accountability, a compelling message of "class warfare" that galvanized the electorate despite his own staff's initial horror at its perceived demagoguery. Despite initial polls, like the Literary Digest (which had predicted a Landon victory), suggesting a close race, Rooseveltachieved an unprecedented landslide. He won 46 of 48 states, secured overwhelming Democratic majorities in both houses of Congress (74 senators, 334 representatives), and claimed 38 governorships. Crucially, FDR carried 104 of 106 major cities, solidifying the Democratic Party's urban strength and marking a profound political realignment in American history. This decisive victory was a clear mandate for the New Deal and established the foundation of the modern Democratic Party.

CONTINUED David Pietrusza's book, Roosevelt Sweeps Nation: FDR's 1936 Landslide and the Triumph of the Liberal Ideal, chronicles Franklin Delano Roosevelt's pivotal re-election campaign in 1936, a moment that fundamentally reshaped American political demographics and solidified the New Deal as a national agenda. The campaign began under the shadow of the death of Louis Howe in April 1936, FDR's closest political strategist and confidant since 1912. Howe, despite his "unpleasant acerbic" nature and poor health, was an invaluable aide, worshiping FDR and actively pushing Eleanor Roosevelt into political activism following FDR's 1917 affair. His passing left Roosevelt to navigate a complex political landscape on his own. Roosevelt faced significant opposition from both the political right and left. On the right, Al Smith, former Governor of New York and FDR's erstwhile mentor, emerged as a fierce critic. Disaffected since FDR's governorship, Smith believed Roosevelt's "forgotten man" speech and New Deal policies constituted "class warfare." Allied with wealthy individuals like the DuPonts and E.F. Hutton, Smith co-founded the American Liberty League, which lambasted the New Deal as unconstitutional and socialist, compelling Roosevelt to wage his own campaign of "class warfare" against these "rich guys in the Silk Hats." From the populist left, FDR contended with the legacy of Huey Long, the charismatic Louisiana senator assassinated in September 1935. Long's radical "Share Our Wealth" program, advocating for massive wealth redistribution and government provision of cars and radios to every family, garnered millions of followers and represented "the greatest force of the populist left." His strategy was to siphon votes in 1936 to ensure a Republican victory, creating a worse economic situation that would pave his way to the presidency in 1940. In Georgia, conservative populist Eugene Talmadge, while ideologically different from Long (being a "Jeffersonian conservative" who refused to fund welfare), also vigorously opposed the New Deal through "race baiting" and accusations of "communist influence," drawing some of Long's former supporters. A significant third-party challenge coalesced around Dr. Francis Everett Townsend, an elderly physician whose Townsend Plan proposed giving $200 a month to every person over 60, requiring them to spend it within 30 days to stimulate the economy. Though Roosevelt personally disliked "the dole," the plan's immense popularity and the formation of millions of Townsend clubs pushed FDR to swiftly introduce Social Security. Townsend later joined forces with Father Charles Edward Coughlin, an influential "radio priest" who initially supported FDR but turned against him over monetary policy, and Reverend Gerald L. K. Smith, a fiery orator akin to Long, along with Congressman William Lemke. This "amateur" coalition, however, failed to gain significant electoral traction, securing only 1.2% of the vote due to ballot access issues in major states and a lack of experienced political leadership. Coughlin, notably, was a more prominent radio figure than FDR for a period, influencing millions through his syndicated broadcasts. FDR's secret meeting with Coughlin at Hyde Park, orchestrated by Joseph Patrick Kennedy, famously ended in a rupture, leading to open political warfare. Ideological parties also presented concerns. The Socialist Party, led by Norman Thomas, consistently polled hundreds of thousands of votes, particularly in urban centers like New York City. The Communist Party USA, under Earl Browder (chosen by Stalin for his pliability and non-Jewish background), initially condemned the New Deal as "fascist." However, with the rise of Adolf Hitler and the global shift to a "popular front" strategy, the Communist Party covertly supported FDR to keep him in power against the looming international threats, while running their own candidate to avoid the "kiss of death" of an overt endorsement. Media mogul William Randolph Hearst, who controlled a vast empire of 28 newspapers and eight radio stations, also became a powerful opponent. Despite initially supporting FDR in 1932, Hearst grew increasingly disaffected by the New Deal's progressive policies and taxes on the wealthy, leading to a "long bumpy involved breakup." FDR even considered "throwing 46 men who make a million dollars a year to the wolves," a direct reference to Hearst and his wealthy allies. The Republican Party ultimately nominated Alf Landon, the Governor of Kansas, a "complete surprise" and "least interesting character." Landon, a progressive Republican favored by Hearst, was known for balancing Kansas's budget but was widely regarded as uncharismatic and a poor public speaker, especially on radio, a crucial medium of the era. His campaign message, promising only a more efficient implementation of New Deal programs he had largely supported, failed to energize the electorate. Earlier potential nominees included Herbert Hoover, William Borah, Frank Knox, and Arthur Hendrick Vandenberg. Roosevelt's campaign, in stark contrast, was dynamic. First Lady Eleanor Roosevelt played an indispensable role, defying initial party reluctance to campaign vigorously. She became a crucial link to the African-American vote in Northern cities, even though FDR, for political reasons, declined to support an anti-lynching law favored by Eleanor and the NAACP. Roosevelt himself delivered powerful, "frenzied and irate" speeches, most notably his Madison Square Garden address on Halloween night, where he famously embraced the "hatred" of "economic royalists" and promised accountability, a compelling message of "class warfare" that galvanized the electorate despite his own staff's initial horror at its perceived demagoguery. Despite initial polls, like the Literary Digest (which had predicted a Landon victory), suggesting a close race, Rooseveltachieved an unprecedented landslide. He won 46 of 48 states, secured overwhelming Democratic majorities in both houses of Congress (74 senators, 334 representatives), and claimed 38 governorships. Crucially, FDR carried 104 of 106 major cities, solidifying the Democratic Party's urban strength and marking a profound political realignment in American history. This decisive victory was a clear mandate for the New Deal and established the foundation of the modern Democratic Party.

CONTINUED David Pietrusza's book, Roosevelt Sweeps Nation: FDR's 1936 Landslide and the Triumph of the Liberal Ideal, chronicles Franklin Delano Roosevelt's pivotal re-election campaign in 1936, a moment that fundamentally reshaped American political demographics and solidified the New Deal as a national agenda. The campaign began under the shadow of the death of Louis Howe in April 1936, FDR's closest political strategist and confidant since 1912. Howe, despite his "unpleasant acerbic" nature and poor health, was an invaluable aide, worshiping FDR and actively pushing Eleanor Roosevelt into political activism following FDR's 1917 affair. His passing left Roosevelt to navigate a complex political landscape on his own. Roosevelt faced significant opposition from both the political right and left. On the right, Al Smith, former Governor of New York and FDR's erstwhile mentor, emerged as a fierce critic. Disaffected since FDR's governorship, Smith believed Roosevelt's "forgotten man" speech and New Deal policies constituted "class warfare." Allied with wealthy individuals like the DuPonts and E.F. Hutton, Smith co-founded the American Liberty League, which lambasted the New Deal as unconstitutional and socialist, compelling Roosevelt to wage his own campaign of "class warfare" against these "rich guys in the Silk Hats." From the populist left, FDR contended with the legacy of Huey Long, the charismatic Louisiana senator assassinated in September 1935. Long's radical "Share Our Wealth" program, advocating for massive wealth redistribution and government provision of cars and radios to every family, garnered millions of followers and represented "the greatest force of the populist left." His strategy was to siphon votes in 1936 to ensure a Republican victory, creating a worse economic situation that would pave his way to the presidency in 1940. In Georgia, conservative populist Eugene Talmadge, while ideologically different from Long (being a "Jeffersonian conservative" who refused to fund welfare), also vigorously opposed the New Deal through "race baiting" and accusations of "communist influence," drawing some of Long's former supporters. A significant third-party challenge coalesced around Dr. Francis Everett Townsend, an elderly physician whose Townsend Plan proposed giving $200 a month to every person over 60, requiring them to spend it within 30 days to stimulate the economy. Though Roosevelt personally disliked "the dole," the plan's immense popularity and the formation of millions of Townsend clubs pushed FDR to swiftly introduce Social Security. Townsend later joined forces with Father Charles Edward Coughlin, an influential "radio priest" who initially supported FDR but turned against him over monetary policy, and Reverend Gerald L. K. Smith, a fiery orator akin to Long, along with Congressman William Lemke. This "amateur" coalition, however, failed to gain significant electoral traction, securing only 1.2% of the vote due to ballot access issues in major states and a lack of experienced political leadership. Coughlin, notably, was a more prominent radio figure than FDR for a period, influencing millions through his syndicated broadcasts. FDR's secret meeting with Coughlin at Hyde Park, orchestrated by Joseph Patrick Kennedy, famously ended in a rupture, leading to open political warfare. Ideological parties also presented concerns. The Socialist Party, led by Norman Thomas, consistently polled hundreds of thousands of votes, particularly in urban centers like New York City. The Communist Party USA, under Earl Browder (chosen by Stalin for his pliability and non-Jewish background), initially condemned the New Deal as "fascist." However, with the rise of Adolf Hitler and the global shift to a "popular front" strategy, the Communist Party covertly supported FDR to keep him in power against the looming international threats, while running their own candidate to avoid the "kiss of death" of an overt endorsement. Media mogul William Randolph Hearst, who controlled a vast empire of 28 newspapers and eight radio stations, also became a powerful opponent. Despite initially supporting FDR in 1932, Hearst grew increasingly disaffected by the New Deal's progressive policies and taxes on the wealthy, leading to a "long bumpy involved breakup." FDR even considered "throwing 46 men who make a million dollars a year to the wolves," a direct reference to Hearst and his wealthy allies. The Republican Party ultimately nominated Alf Landon, the Governor of Kansas, a "complete surprise" and "least interesting character." Landon, a progressive Republican favored by Hearst, was known for balancing Kansas's budget but was widely regarded as uncharismatic and a poor public speaker, especially on radio, a crucial medium of the era. His campaign message, promising only a more efficient implementation of New Deal programs he had largely supported, failed to energize the electorate. Earlier potential nominees included Herbert Hoover, William Borah, Frank Knox, and Arthur Hendrick Vandenberg. Roosevelt's campaign, in stark contrast, was dynamic. First Lady Eleanor Roosevelt played an indispensable role, defying initial party reluctance to campaign vigorously. She became a crucial link to the African-American vote in Northern cities, even though FDR, for political reasons, declined to support an anti-lynching law favored by Eleanor and the NAACP. Roosevelt himself delivered powerful, "frenzied and irate" speeches, most notably his Madison Square Garden address on Halloween night, where he famously embraced the "hatred" of "economic royalists" and promised accountability, a compelling message of "class warfare" that galvanized the electorate despite his own staff's initial horror at its perceived demagoguery. Despite initial polls, like the Literary Digest (which had predicted a Landon victory), suggesting a close race, Rooseveltachieved an unprecedented landslide. He won 46 of 48 states, secured overwhelming Democratic majorities in both houses of Congress (74 senators, 334 representatives), and claimed 38 governorships. Crucially, FDR carried 104 of 106 major cities, solidifying the Democratic Party's urban strength and marking a profound political realignment in American history. This decisive victory was a clear mandate for the New Deal and established the foundation of the modern Democratic Party.

David Pietrusza's book, Roosevelt Sweeps Nation: FDR's 1936 Landslide and the Triumph of the Liberal Ideal, chronicles Franklin Delano Roosevelt's pivotal re-election campaign in 1936, a moment that fundamentally reshaped American political demographics and solidified the New Deal as a national agenda. The campaign began under the shadow of the death of Louis Howe in April 1936, FDR's closest political strategist and confidant since 1912. Howe, despite his "unpleasant acerbic" nature and poor health, was an invaluable aide, worshiping FDR and actively pushing Eleanor Roosevelt into political activism following FDR's 1917 affair. His passing left Roosevelt to navigate a complex political landscape on his own. 1936LOWELL THOMAS & FDR Roosevelt faced significant opposition from both the political right and left. On the right, Al Smith, former Governor of New York and FDR's erstwhile mentor, emerged as a fierce critic. Disaffected since FDR's governorship, Smith believed Roosevelt's "forgotten man" speech and New Deal policies constituted "class warfare." Allied with wealthy individuals like the DuPonts and E.F. Hutton, Smith co-founded the American Liberty League, which lambasted the New Deal as unconstitutional and socialist, compelling Roosevelt to wage his own campaign of "class warfare" against these "rich guys in the Silk Hats." From the populist left, FDR contended with the legacy of Huey Long, the charismatic Louisiana senator assassinated in September 1935. Long's radical "Share Our Wealth" program, advocating for massive wealth redistribution and government provision of cars and radios to every family, garnered millions of followers and represented "the greatest force of the populist left." His strategy was to siphon votes in 1936 to ensure a Republican victory, creating a worse economic situation that would pave his way to the presidency in 1940. In Georgia, conservative populist Eugene Talmadge, while ideologically different from Long (being a "Jeffersonian conservative" who refused to fund welfare), also vigorously opposed the New Deal through "race baiting" and accusations of "communist influence," drawing some of Long's former supporters. A significant third-party challenge coalesced around Dr. Francis Everett Townsend, an elderly physician whose Townsend Plan proposed giving $200 a month to every person over 60, requiring them to spend it within 30 days to stimulate the economy. Though Roosevelt personally disliked "the dole," the plan's immense popularity and the formation of millions of Townsend clubs pushed FDR to swiftly introduce Social Security. Townsend later joined forces with Father Charles Edward Coughlin, an influential "radio priest" who initially supported FDR but turned against him over monetary policy, and Reverend Gerald L. K. Smith, a fiery orator akin to Long, along with Congressman William Lemke. This "amateur" coalition, however, failed to gain significant electoral traction, securing only 1.2% of the vote due to ballot access issues in major states and a lack of experienced political leadership. Coughlin, notably, was a more prominent radio figure than FDR for a period, influencing millions through his syndicated broadcasts. FDR's secret meeting with Coughlin at Hyde Park, orchestrated by Joseph Patrick Kennedy, famously ended in a rupture, leading to open political warfare. Ideological parties also presented concerns. The Socialist Party, led by Norman Thomas, consistently polled hundreds of thousands of votes, particularly in urban centers like New York City. The Communist Party USA, under Earl Browder (chosen by Stalin for his pliability and non-Jewish background), initially condemned the New Deal as "fascist." However, with the rise of Adolf Hitler and the global shift to a "popular front" strategy, the Communist Party covertly supported FDR to keep him in power against the looming international threats, while running their own candidate to avoid the "kiss of death" of an overt endorsement. Media mogul William Randolph Hearst, who controlled a vast empire of 28 newspapers and eight radio stations, also became a powerful opponent. Despite initially supporting FDR in 1932, Hearst grew increasingly disaffected by the New Deal's progressive policies and taxes on the wealthy, leading to a "long bumpy involved breakup." FDR even considered "throwing 46 men who make a million dollars a year to the wolves," a direct reference to Hearst and his wealthy allies. The Republican Party ultimately nominated Alf Landon, the Governor of Kansas, a "complete surprise" and "least interesting character." Landon, a progressive Republican favored by Hearst, was known for balancing Kansas's budget but was widely regarded as uncharismatic and a poor public speaker, especially on radio, a crucial medium of the era. His campaign message, promising only a more efficient implementation of New Deal programs he had largely supported, failed to energize the electorate. Earlier potential nominees included Herbert Hoover, William Borah, Frank Knox, and Arthur Hendrick Vandenberg. Roosevelt's campaign, in stark contrast, was dynamic. First Lady Eleanor Roosevelt played an indispensable role, defying initial party reluctance to campaign vigorously. She became a crucial link to the African-American vote in Northern cities, even though FDR, for political reasons, declined to support an anti-lynching law favored by Eleanor and the NAACP. Roosevelt himself delivered powerful, "frenzied and irate" speeches, most notably his Madison Square Garden address on Halloween night, where he famously embraced the "hatred" of "economic royalists" and promised accountability, a compelling message of "class warfare" that galvanized the electorate despite his own staff's initial horror at its perceived demagoguery. Despite initial polls, like the Literary Digest (which had predicted a Landon victory), suggesting a close race, Rooseveltachieved an unprecedented landslide. He won 46 of 48 states, secured overwhelming Democratic majorities in both houses of Congress (74 senators, 334 representatives), and claimed 38 governorships. Crucially, FDR carried 104 of 106 major cities, solidifying the Democratic Party's urban strength and marking a profound political realignment in American history. This decisive victory was a clear mandate for the New Deal and established the foundation of the modern Democratic Party.

Faith for the Coming Wilderness (4) (audio) David Eells – 9/14/25 I want to back up a little from what I shared last time, when we knew we were to move to Florida and share how we got a little ahead of the Lord. Sometimes the Lord will wait before He answers because He wants to see if we are going to get out there in the flesh and that's what we did. We came over a little early and started looking around Pensacola, but we didn't see anything, and we went back home. We started crying out to the Lord, “Okay, Lord, we know this is the time; we know it's coming,” and so on. And the next time, we waited until the Lord sent us. We even had a Christian realtor in Pensacola looking around for us, and we described the house to him because we had already seen it in dreams and visions. He was looking all over Pensacola, trying to find the house, until, finally, one day, in a little frustration after having sought the Lord, I stopped the man. I said, “Look, let's get your map.” So he got his map and we stretched it out on the hood of his car, and I said, “Listen, this is where the house is, right here!” I wasn't even looking where I was pointing, but I stuck my finger down on the map and he said, “Okay, we'll go there and look.” As we were looking, I told the man just exactly how much we were going to pay for the house. I could tell he wasn't used to that, but he said, “Okay.” He drove us through the area where my finger came down and we passed by the house we had seen in our dreams and visions. The lady who owned it had just stuck a “For Sale By Owner” sign in the ground. And since this was a realtor and it was a For Sale By Owner sign, he was just driving right on by, but I had my pad and pencil out. I wrote down the phone number and called her later. So after we looked at the house, I felt led to offer her $1000 less than I knew I was going to pay because some people like to haggle. She said, “Well, I don't know.” And I said, “Well, I tell you what, leave the curtains,” which I knew she was planning on doing anyway, “and I'll give you this much,” which was the amount the Lord told me. And she said, “Okay.” Praise the Lord! I do want to tell you that the realtor was a good Christian man who had done a good job looking for the house, and we actually gave him his commission. He had worked for his due, and we figured we'd give it to him anyway. He told us, “Man, I could never have found you a deal like this!” Now this lady was a Baptist, but one of her relatives was the pastor of a large, full-Gospel church in Pensacola. He and other people had been witnessing to her. And at the time when we came to Pensacola, she was having a problem with her eyes, so we asked her, “Would you let us pray for you? Will you let us lay hands on you for those eyes, so God will heal them?” I pointed out some verses to her and so on. She said, “Well, I don't know so much of that laying on of hands stuff, but I would like you to pray for me.” I answered, “Okay, we will pray for you without the laying on of hands.” That's what we did; we prayed for her, and God healed her. She was so jubilant to come to find out that God would do this for her because her doctrine didn't permit that kind of miraculous healing. She didn't really believe in those kinds of miraculous healings, but she received a miraculous healing, and her eyes were suddenly opened to the true Gospel. Then, when the time came for us to move in, she still wasn't ready to move out for another week, so she lived with us for a week, and we were able to witness to her even more. We had our stuff all piled up on one end of the house, and we were kind of living together like that until, finally, we had the house to ourselves. You see, God did a miracle. And it was through our weakness that we got this miracle. God paid for it; we didn't pay for anything. The money He gave us was enough to buy the house and a new car because our small car was a Toyota, which was good for doing small jobs, but we had five kids. So we bought a large, brand new station wagon, and God also did many miracles on that station wagon for us over the years. But the miracle was that God paid for both of these. We didn't have any money or save any money, and we just continued to give to any need that came our way. Whenever we saw a need, we gave to it. We didn't believe in storing up our treasures on earth, so we put no money in the bank. We did what Jesus says. (Luk.12:33) Sell that which ye have, and give alms; make for yourselves purses which wax not old, a treasure in the heavens that faileth not, where no thief draweth near, neither moth destroyeth. “Faileth not.” I want to remind you that no credit goes to us. Eph 2:8  for by grace (unmerited favor) have ye been saved through faith; and that not of yourselves, it is the gift of God; 9  not of works, that no man should glory.  When you store up your treasures in Heaven by meeting the needs of the brethren, you can always get it back because as the Lord said, it “faileth not.” For many years, I made a very good living, and I met the needs of the brethren around me. Whenever I saw a need, it wasn't a burden to me to take care of it by the grace of God, Who put it in my heart to do that. When you read the Word of God and you love the Word of God, and you love to act and live on the Word of God, the Word gets into your heart. The Word in you is Jesus in you. So we just gave where we saw to give; we didn't save up money and we didn't borrow money. Borrowing was out of the question for us because we were walking by faith, and even up to today, I haven't for 55 years. But because I give, the money is always there when I need it. As I've shared with you, the Lord taught me never to borrow, never to tell my needs, never to go into the business of buying and selling. Another was, never to take any government help. Recently the Lord had me sighn up for Social Security at 76 which didn't belong to the government but me, but I have given it away ever since. One of the things the young man said happened in his dream was that when he walked up to me, I told him, “I'm never going to work for man again,” and it was true. After I retired from Exxon, I never worked for man again. Now, everybody has to work, as the Bible says: (2Th.3:10) For even when we were with you, this we commanded you, If any will not work, neither let him eat. So I've worked diligently for the Lord and still do, but I've never been a burden on people. I made sure of that, and I never made my needs known. I haven't received any income from UBM. God put it in people's hearts to meet our needs separately. I don't believe in being a freeloader or “mooching.” It's wrong and it's evil. If you're truly walking by faith, God's going to support you. (Luk.10:7) And in that same house remain, eating and drinking such things as they give: for the laborer is worthy of his hire. Go not from house to house. (Mat.10:10) Get you no gold, nor silver, nor brass in your purses; (10) no wallet for your journey, neither two coats, nor shoes, nor staff: for the laborer is worthy of his food. God supports those who work for Him. Apostle Paul is our example. At the beginning of his ministry, he worked for a living. (1Co.9:11) If we sowed unto you spiritual things, is it a great matter if we shall reap your carnal things? (12) If others partake of [this] right over you, do not we yet more? Nevertheless we did not use this right; but we bear all things, that we may cause no hindrance to the gospel of Christ. But later on (2 Corinthians 9; Philippians 2), it seems very clear that Paul was receiving freewill offerings from brethren so that he could continue on with his ministering and not be distracted by any work. It was that way for the first part of my ministry, too. I worked for many years while I ministered. I learned to walk by faith and, in that weakness, God was miraculous. Most people don't get to see the miracles of God because they are not willing to be weak. They're always strong and do for themselves; it's salvation by works. Remember that the Greek word for “salvation,” which is the noun soteria or the verb sozo, is translated in many different ways to cover every kind of salvation. For instance, when Jesus healed someone, (Mat.9:22) But Jesus turning and seeing her said, Daughter, be of good cheer; thy faith hath made thee whole (sozo). And the woman was made whole (sozo) from that hour. When He delivered people from demons, (Luk.8:36) And they that saw it told them how he that was possessed with demons was made whole (sozo). When the disciples were in the sinking boat, (Mat.8:25) And they came to him, and awoke him, saying, Save (sozo), Lord; we perish. Salvation is very, very big! Jesus saved us from sin and its curse. (2Co.5:21) Him who knew no sin he made [to be] sin on our behalf; that we might become the righteousness of God in him. Did you know, in the Scriptures, poverty is a curse? (Deu.28:47) Because thou servedst not the Lord thy God with joyfulness, and with gladness of heart, by reason of the abundance of all things; (48) therefore shalt thou serve thine enemies that Jehovah shall send against thee, in hunger, and in thirst, and in nakedness, and in want of all things: and he shall put a yoke of iron upon thy neck, until he have destroyed thee. Unless it is a sacrificial self-imposed poverty for the sake of others, it's a curse. How many of you know that Jesus wasn't poverty-stricken? He had His needs met everywhere He went. Now, He didn't have riches, according to the way the world likes riches. The world likes the material kind of riches in which they can trust. Jesus didn't have that, but His needs were met wherever He went, and so were His disciples. They weren't poor, but they were poor to the world. (Jas.2:5) Hearken, my beloved brethren; did not God choose them that are poor as to the world to be rich in faith, and heirs of the kingdom which he promised to them that love him? People who are poor to the world are in a position of weakness, where they have to trust in God. You have to come out from under the principles of the world and the teachings of the worldly, Babylonish Church. You learn to obey the principles that Jesus gave us in the New Testament. Make sure your brother's needs are met sacrificially out of what you have, and God will make sure you don't ever have a need that isn't met by God's faith in us. Paul said, (Php.4:19) And my God shall supply every need of yours according to his riches in glory in Christ Jesus. He said that because his needs were being met by the brethren and He made that promise to the Philippians. Well, we lost a car, had been injured, and didn't have any money, but in our weakness, God was made strong. We didn't have to sell or borrow or beg or do anything of the sort; all we did was give. I want you to walk in the same blessings, and God will do that for you if you start living according to His principles. By the way, because the second part of the money that came in from the wreck was delayed and delayed, God made an opportunity for me to give away my first station wagon that I had when I was in Baton Rouge. I gave it away to a mission in town where I had preached quite a few times because they needed transportation for the people in the mission. God blessed me with that car, and I never had any problems with it that Father didn't fix. When we prayed for a car, my youngest daughter had a vision of that car being in New Orleans. She even saw the color of the car. Sure enough, I couldn't find anything in Baton Rouge that I liked, so I went to New Orleans, and I saw the car and bought it. That was the car I gave to the mission. And I'd never put any spares in that car because I was trusting God to keep my tires, but the day I put the keys in the preacher's hand in my living room and we walked outside, it was sitting on a flat. I never had a flat as long as I had that car because I never carried a spare, but as soon as it got out of my hand and into his, it had a flat. And since I mentioned New Orleans, think about what happened there, folks. God brought a Category 5 hurricane (Hurricane Katrina: August 29, 2005) to that big sin city and, just as it was about to hit land, He sent in a wave of dry air from the northwest that suddenly knocked that hurricane down to a Category 3. That same gust of dry air pushed the hurricane to the east. A Category 5 hurricane that was about to hit that area would have driven the waters of Lake Pontchartrain over into the city and drowned 40,000 to 50,000 people because the water would have come in there so fast. Think about man's efforts to save himself with the levees and those great big monster pumps that they have in that city. They thought they could keep that city dry. Had a Category 5 hit that city head-on, or even a Category 3, it would have pushed the water in there faster than the pumps could handle. Most of New Orleans is 20 feet below sea level and some of it is more than 20 feet below sea level. What chance did man have to save himself from just one of God's judgments? As it was, He didn't let the city escape, even after moving the hurricane over a little bit. The levees gave out when they became saturated and the city started filling up with water, but it was slow enough to give people a little time to move out of the way. It was astounding how the mercy of God saved those people. The meteorologists pointed out on radar how this gust of dry air came in and moved the hurricane; they were totally amazed by it. They had never seen anything like it. That was purely an act of God that spared them when they couldn't have saved themselves, even with all of their efforts. They knew if a major hurricane hit them, the city would drown. God didn't completely spare the city, but He spared an untold number of people, including many brethren. I'm sure some people in New Orleans with faith were praying until God, at the last moment, suddenly dropped the strength of that hurricane and moved it over. Hurricane Dennis did exactly the same thing as it was coming toward Pensacola. I was praying the whole time and I was asking, “Lord, do you want me to command that hurricane to back off and go the other way?” The Lord said, “No. Just wait,” so I didn't do anything. All of a sudden, when it hit the land, I felt in my heart that the Lord wanted me to command it to be broken up, and that's exactly when it started breaking up. The strength dropped down, and it veered a little bit to the right of Pensacola. I know that there were some people over there in New Orleans doing the exact same thing and God answered the exact same way. You see, God has it all planned out. He just uses His faith in us to bring it to pass. We can put our trust in the living God. Nothing that man can do will save you from the judgments that are coming. The wilderness is where you learn to walk by faith in the Lord. You learn to put your faith in Him and you give up your efforts and your power; you give up your ability to do anything. The promises of God are past tense. He became a curse for you, He bore your curse, and He healed your body. He already did all of this, and since all of these promises are past tense, what can you do to bring it to pass? Jesus taught us, (Mar.11:24) Therefore I say unto you, All things whatsoever ye pray and ask for, believe that ye received them, and ye shall have them. If you believe you have received, there's nothing for you to do to bring them to pass. Believing the promises brings us into a position of weakness where we can't save ourselves. You've probably heard the old saying, “God helps those who help themselves.” Well, that's a lie. The Bible says just the opposite: (Jer.17:5) Thus saith the Lord: Cursed is the man that trusteth in man, and maketh flesh his arm, and whose heart departeth from the Lord. The power of God is made perfect in weakness; that's what He told Paul: (2Co.12:9) And he hath said unto me, My grace is sufficient for thee: for my power is made perfect in weakness. Most gladly therefore will I rather glory in my weaknesses, that the power of Christ may rest upon me. Paul couldn't save himself in those situations that he got into, but he said, (2Ti.4:18) The Lord will deliver me from every evil work, and will save me unto his heavenly kingdom: to whom be the glory forever and ever. Amen. In his weakness, and faith, God's power was made perfect. Keep the Sabbath, and don't bring a burden into God's Holy City on this Sabbath. Cease from your own works or, in other words, cease from the works of man. As God told Moses and the children of Israel, (Exo.14:13) And Moses said unto the people, Fear ye not, stand still, and see the salvation of the Lord, which he will work for you to-day: for the Egyptians whom ye have seen to-day, ye shall see them again no more for ever. (14) The Lord will fight for you, and ye shall hold your peace. He said, “Stand still.” They were trying to figure out what to do. Here was Pharaoh's army coming up behind them and they would have never thought about parting the Red Sea. (Exo.14:15) And the Lord said unto Moses, Wherefore criest thou unto me? speak unto the children of Israel, that they go forward. (16) And lift thou up thy rod, and stretch out thy hand over the sea, and divide it: and the children of Israel shall go into the midst of the sea on dry ground. You see, God has ways far beyond our ways. (Isa.55:8) For my thoughts are not your thoughts, neither are your ways my ways, saith the Lord. (9) For as the heavens are higher than the earth, so are my ways higher than your ways, and my thoughts than your thoughts. That's why He had to tell them, “stand still.” It's the same for us. Sometimes we're just so busy running around, trying to figure out a way out of this or a way out of that. We've been trained from our youth to solve our problems for ourselves, when God just wants us to be believers in His promises. Get your Bible and diligently read it. Underline those promises and start acting on them. (Jas.2:17) Even so faith, if it have not works, is dead in itself. Faith without works is dead. Remember that Jesus told us, (Mar.11:24) … All things whatsoever ye pray and ask for, believe that ye received them, and ye shall have them. How would you act if you believed you had received what you prayed for? You would stop trying to bring it to pass for yourself. You would cease from your own labors and, if you cease from your own labors on His Sabbath, you will find God's power is made perfect. Glory be to God! Now, I want to remind you that the Lord hardened Pharaoh's heart over and over before the Israelites were set free from Egypt to go into their wilderness. (Exo.7:1) And the Lord said unto Moses, See, I have made thee as God to Pharaoh; and Aaron thy brother shall be thy prophet. (2) Thou shalt speak all that I command thee; and Aaron thy brother shall speak unto Pharaoh, that he let the children of Israel go out of his land. (3) And I will harden Pharaoh's heart, and multiply my signs and my wonders in the land of Egypt. (4) But Pharaoh will not hearken unto you, and I will lay my hand upon Egypt, and bring forth my hosts, my people the children of Israel, out of the land of Egypt by great judgments. (5) And the Egyptians shall know that I am the Lord, when I stretch forth my hand upon Egypt, and bring out the children of Israel from among them. Why did He do that? Why did the Lord harden Pharaoh's heart? (Exo.10:1) And the Lord said unto Moses, Go in unto Pharaoh: for I have hardened his heart, and the heart of his servants, that I may show these my signs in the midst of them, (2) and that thou mayest tell in the ears of thy son, and of thy son's son, what things I have wrought upon Egypt, and my signs which I have done among them; that ye may know that I am the Lord. The Lord hardened Pharaoh's heart because He wanted to judge Egypt and He wanted to prove His great power to deliver the Israelites. By the time the Israelites left Egypt, the land had been devastated, and the economy was in ruins. (Exo.10:7) And Pharaoh's servants said unto him, How long shall this man be a snare unto us? let the men go, that they may serve the Lord their God: knowest thou not yet that Egypt is destroyed? You know, He's going to do that again in our day! (Ecc.1:9) That which hath been is that which shall be; and that which hath been done is that which shall be done: and there is no new thing under the sun. History is going to repeat. Judgments are coming upon the United States, but God is merciful, and He sends warnings to us so His people will pray. I'm totally convinced that the prayers of the saints have delayed a time of judgment. We have been receiving many revelations of judgments, some of them with actual dates that have since come and gone, and the Lord showed me that these were true revelations, yet they didn't come to pass. You see, the Lord gives you a warning of things to come for the purpose of having you seek Him for grace. (Jas.4:2) … ye have not, because ye ask not. God's people don't pray and they don't seek Him for His grace and mercy! It takes a threat for His people to seek Him for grace and mercy. When God wants to give us grace and mercy, He almost has to tell us what's going to happen if we don't seek Him. I know what the Lord did with those revelations that never came to pass: He put those warnings out there so His people would seek Him for grace and He gave it. By the way, if you don't believe God dates prophecies, you haven't read very much of the Bible because there are many of them in there (Daniel 7; 9; Jonah 3; Revelation 12; etc.) The brethren who share these warnings sometimes wonder if God just forgot about them or if He left them, or if they were deceived. The same thing happened with Jonah. (Jon.4:1) But it displeased Jonah exceedingly, and he was angry. Jonah had prophesied Nineveh would be overthrown in 40 days, and yet, God had mercy when the people cried out to Him. God had mercy, and Jonah was angry because now he was going to look like a false prophet. (2) And he prayed unto the Lord, and said, I pray thee, O Lord, was not this my saying, when I was yet in my country? Therefore I hasted to flee unto Tarshish; for I knew that thou art a gracious God, and merciful, slow to anger, and abundant in lovingkindness, and repentest thee of the evil. (3) Therefore now, O Lord, take, I beseech thee, my life from me; for it is better for me to die than to live. Jonah didn't want to face the world. He felt as if the Lord had let him down. He had prophesied their destruction, but he also knew that God was merciful and would repent of the prophesied evil. However, God reminded Jonah there was something a lot more important than his pride. (Jon.4:11) And should not I have regard for Nineveh, that great city, wherein are more than six score thousand persons that cannot discern between their right hand and their left hand; and also much cattle? Can you imagine, He was even having mercy on the cattle! God was showing it wasn't important that Jonah might look like a false prophet, but it was important that God was going to have mercy on these people. That's the thing we have to keep in mind. Remember, we've been put here to be of no reputation anyway, according to the Scriptures. (Php.2:5) Have this mind in you, which was also in Christ Jesus: (6) who, existing in the form of God, counted not the being on an equality with God a thing to be grasped, (7) but emptied himself, taking the form of a servant, being made in the likeness of men; (8) and being found in fashion as a man, he humbled himself, becoming obedient even unto death, yea, the death of the cross. We're supposed to have the same mind as Christ. We're here to lose our reputation in the eyes of the world. The wilderness is a place of hopelessness for the flesh because the flesh really can't help God. Just like the wilderness was a place of weakness for Israel, a place where the world couldn't supply the needs of God's people, so it is, and will be, for us in our day. What the Church has been teaching for so long is, “God helps those who help themselves.” That's their doctrine. Well, God doesn't like that and it's a stench in His nostrils. The Bible says (Eph.2:8) For by grace have ye been saved through faith; and that not of yourselves, it is the gift of God. We are saved by His works, His efforts, and His wisdom. The Lord has already accomplished everything for us at the cross. (Php.4:19) And my God shall supply every need of yours according to his riches in glory in Christ Jesus. He supplied our needs at the cross, so God doesn't appreciate that the Church is preaching salvation by works. He said, (2Co.12:9) … My grace is sufficient for thee: for my power is made perfect in weakness.... I'd like to share with you the difference between assurance and insurance because this is part of my wilderness. Many people have their trust in the “idol” of insurance. They think they've insulated themselves from anything bad that could come from this world, but it's going to fail. Every idol that you stand up to the Lord will fall over and be crushed like Dagon. (1Sa.5:3) And when they of Ashdod arose early on the morrow, behold, Dagon was fallen upon his face to the ground before the ark of the Lord. And they took Dagon, and set him in his place again. (4) And when they arose early on the morrow morning, behold, Dagon was fallen upon his face to the ground before the ark of the Lord; and the head of Dagon and both the palms of his hands lay cut off upon the threshold; only the stump of Dagon was left to him. God is going to judge all the idols of Egypt; they will all fail. Even insurance companies are not going to be able to save America. As a matter of fact, insurance companies have been leaving several states, including Florida, where judgments such as hurricanes are becoming more and more frequent. They've been leaving those states to avoid going bankrupt. And they get permission to not pay up if doing so would harm them. But God's going to continue hitting big sin cities all around the United States with one form of judgment or another, and there aren't enough insurance companies in the world to save America. If you're interested in my wilderness experiences and teachings from the Bible, I ask that you get our free e-book, Sovereign God For Us And Through Us, on our website: ubm1.org. He is sovereign for us and He wants to be sovereign through us. He wants to administer His authority in this earth through His people. I want to share some excerpts with you here from Chapter 18. It's titled “Assurance Versus Insurance,” and I hope it will give you a desire to read the rest of the book. We receive testimonies every day of people who are being empowered by God and helped and delivered by this book. (The excerpts are italicized, and my commentary is in parentheses.) (Psa.91:9) For thou, O Lord, art my refuge!.... This confession of faith and the deliverance that comes of it are merely acting on what the Word says. I received a revelation years ago in Louisiana, before it was a law to have any form of auto insurance. Even now there are are laws to have the minimum PIP/PD but that covers the other guy, not you. So I have had this to obey the law and have been rewarded greatly because the other guy was a fault and paid me. The Lord began spiritually to reason with me. It occurred to me that God is sovereign over what we call “accidents.” (We're always insulating ourselves with insurance, but there is really no such thing as an accident, is there?) (Joh.3:27) A man can receive nothing, except it have been given him from heaven. That doesn't sound like there are accidents (It sounds like there is a sovereign God!); therefore, an accident could not come without God sending it. Since He said that if we prayed believing we would receive, then I could ask Him to keep my vehicles, or let the other guy be at fault and pay me, which has profited me greatly. Why would I need insurance if I believed the assurance just given in His promises? (Psa.91:9) For thou, O Lord, art my refuge! (Notice the good confession and its resulting benefit. (Jas.2:26) For as the body apart from the spirit is dead, even so faith apart from works is dead. Faith without works is dead, but the good confession brings a benefit.) Thou hast made the Most High thy habitation; (10) There shall no evil befall thee, Neither shall any plague come nigh thy tent. (I know a lot of people don't believe or teach this nowadays, but it's the Word of the Lord. Who are we to say otherwise!) (11) For he will give his angels charge over thee, To keep thee in all thy ways. (12) They shall bear thee up in their hands, Lest thou dash thy foot against a stone. (Or, in other words, “lest you have an accident.”) Notice that when we abide in Christ by faith (and hold fast this good confession; that's the promise of God), angels keep us from what men call “accidents.” An exception to this can be an experience like Job's to show hidden faults (Job.32:1-2). As in his case, God strictly controls the chastening and later restores what is taken. God restored to Job twice as much as he had and without insurance. God desires to be our security. We don't need security in the world; we need our God to be our security. (Psa.119:122) Be surety (Hebrew: “to give or be security”) for thy servant for good.... (Heb.7:22) By so much also hath Jesus become the surety of a better covenant. God and His promises are the believers' assurance of provision and protection. After seeing what the Lord was saying to me, I dropped my auto insurance back before it was required. Then I called my life insurance man and he came over. I told him that I would not need insurance anymore because God would be my assurance. He was a good Lutheran man who sincerely tried to reason with this fanatic, but to no avail. The week after I did this, I drove to a Stop-N-Go mart and went in to get some food. While I was walking down an aisle, I heard a crash that shook the store windows. I looked up over the isle to see that my car had been in a wreck without me! I went out and found a heavy old Buick's front end wrapped around the back corner of my Datsun station wagon. The driver backed the car up a foot or so, and we both stood there speechless. We just couldn't really understand how this could happen. The hood, grill and bumper of his all steel car were notched back about six inches, as if it had hit a big oak tree. Here is the good part. Datsun station wagons were tin boxes and could be dented with an elbow. This tank hit my car on the left rear wrap-around, plastic tail lens! I reached out and with my thumbnail, scraped a piece of paint from his hood off the plastic tail lens, and we stood there for a moment looking at this miracle. There was not a scratch, dent or crack on my car anywhere. Awesome God! He made my wimpy car, which should have been totaled, invincible to this old tank of a car. The assurance of God saved me from any need of insurance. The man said, “I think my brakes went out,” and then he mumbled, “They sure make ‘em better than they used to.” As I was thinking about how ludicrous that statement was (and I knew he didn't believe it anyway), he got in his car and left. Suddenly, it hit me that I missed the best chance in the entire world to witness to someone. I jumped into my car and caught him at the next red light (where his brakes, obviously, had stopped him). I grabbed some tracts out of the glove box and hurried to his door. I said, “Sir, that was a miracle.” He said, “It had to be.” I said, “I didn't have any insurance on my car and I was trusting God to keep it and He did.” The light turned green and we parted company. Since then, I have never had any insurance that covers our family, vehicles or home, other than what the law demands. We now have to have liability, which covers the other guy but not you. However, when the Lord tells you that you do not need insurance He means it. That first wreck, or lack thereof, was an awesome testimony, but we did not plunder Egypt, as we did with later wrecks. Since then, God has not always protected our vehicles or bodies, but in every case, it was to our advantage, for He healed our bodies once and greatly blessed us financially. (When you trust in the Lord, He's working all things for your good, as Romans 8:28 says.) During this time, though we sued no one, the other guy's insurance blessed us with money for the following: to repair a motorcycle with money leftover in my pocket for a new one; to repair a Toyota pickup that needed painting anyway, and I ended up after fixing the pickup, painting it with a beautiful paint job with $1,500 left in my pocket; to buy two cars, one new; to buy our home; to enable us to buy and give cars to others; to enable us to give our home away; and to buy a travel trailer for a homeless woman and her son. Besides all that and more, we have not spent God's money on many years' worth of insurance. (If you obey God, you can't lose! If you obey God and walk by faith in Him and let His assurance be your insurance and not the world, then you'll see the miracles of God.) Now, I can hear someone say, “But David, what if ... ?” What if what? What if God Almighty fell off His throne? (God made these promises; we're just depending upon Him.) (Rom.10:11) For the scripture saith, Whosoever believeth on him shall not be put to shame. (The devil tells you that you will be put to shame, but that's a lie.) (Jer.17:7) Blessed is the man that trusteth in the Lord, and whose trust the Lord is. By the grace of God, it has been many years since we have had a wreck. Praise God! (So God can keep you from wrecks, but when you do get into them, He can make them bless you.) One day, in that same Datsun station wagon, I was driving along rather frustrated because I had had three flats on relatively new tires. Most people would be complaining to the manufacturer, but I believed that God was in control, so I was complaining to the Lord. A little frustrated, I said, “Lord, can't You keep my tires?” He said to me very clearly, “Don't you believe that I can keep your tires?” I replied in my ignorance, “Yes, I believe You can keep them.” He replied, “Then why do you keep putting that spare back there?” To be honest, I put the spare in the trunk because it was traditional and I had not questioned it, but also, the underlying reason was in case God didn't keep my tires. (I'm not trying to make a new doctrine on spares, just share a lesson God gave to me.) Fear and unbelief cause us to try to insulate ourselves from any possibility of lack, loss or threat. Since we are trusting in insurance besides the Lord, we usually end up needing it. (That's what people don't understand. If you trust in something besides the Lord, you end up having to use it. Of course, some people say, “Aha! You see, I needed it!” But they have it all backwards. When you trust in any idol and not in the Lord, you're going to need it.) Jesus sent out His disciples in a way that would make them dependent on living by faith. He sent them without their own provision so that in their weakness His power would be proven. (Mat.10:9) Get you no gold, nor silver, nor brass in your purses; (10) no wallet for [your] journey, neither two coats, nor shoes, nor staff: for the laborer is worthy of his food. Later, Jesus wanted to see what they learned from this experience of depending upon God's supply. (Luk.22:35) And he said unto them, When I sent you forth without purse, and wallet, and shoes, lacked ye anything? And they said, Nothing. (For those of you who believe that only applied to the disciples, remember Jesus commanded His disciples to make disciples and teach them to observe everything that He commanded the first disciples to observe (Matthew 28:20). In other words, what He spoke to them, He spoke to us, but man came in there with religion and thwarted the whole mission that God sent us on.) In the wilderness of man's supply, God's provision was evident. (When Jesus sent out the disciples without their own supply, He basically made a wilderness wherever these men went because they didn't bring enough with them out of “Egypt” to supply their needs.) God starts His works when we finish ours. His power is made perfect in our weakness. That was my experience with those tires. I threw out my spare and I never had another flat on that car, and the neighbors who used to borrow it quit! (I would tell them, “Look, if you're going to drive this car, you have to drive it by faith because I don't have a spare back there.” Well, they quit borrowing my car, which I guess was another benefit.) The moral of that story is, if you prepare for a rainy day, it will come. With the next car, I had the same experience: no flats. When I decided after many years to give it to a mission, I put the keys and title into the hand of the pastor in my living room. We walked outside and the car was on a flat. (I was the one walking by faith and now that it was his car, now that the key was in his hand, it was sitting on a flat! Well, inside I just chuckled. I understood exactly what He was saying to me.) God made His point. As long as I owned the car, putting my trust in Him, there was never a flat. In other words, trusting in God takes away the need for insurance. (And, again, I'm not making any laws about this; I'm not condemning anybody for having spares. God was teaching me, and He'll teach you. He may use other methods, but He wants to teach you to walk in this wilderness, to walk in a lack of man's provision, but in your weakness, God will be made strong.) Men serve insurance companies, H.M.O.s, banks and store up their treasures on earth for the security they think it gives them. (Mat.6:19) Lay not up for yourselves treasures upon the earth, where moth and rust consume, and where thieves break through and steal. Y2K revealed the paranoia and lack of trust in those who stored up their treasures on earth, contrary to the Lord's command. (It's fear that causes people to do such things, but God's power is made perfect in our weakness.) Quite a few I showed these principles to went home to give their store away and found it full of bugs, just as Jesus said, “thieves break through and steal.” Jesus told of a man who found peace in the insurance of storing up his goods in greater barns (Luke 12:18). He said to himself, (Luk.12:19) ...Soul, thou hast much goods laid up for many years; take thine ease, eat, drink, be merry. (That's the thinking of man: “I have all I need; this will keep me for a long time.”) His misplaced trust brought judgment. (20) But God said unto him, Thou foolish one, this night is thy soul required (Greek: “they require thy soul”) of thee; and the things which thou hast prepared, whose shall they be? (21) So is he that layeth up treasure for himself, and is not rich toward God. (Now, to be “rich toward God” is to be “rich in faith and heirs of the Kingdom.” (Jas.2:5) Hearken, my beloved brethren; did not God choose them that are poor as to the world to be rich in faith, and heirs of the kingdom which he promised to them that love him? Why did He choose the “poor as to the world”? He chose them because they have to trust in God, they have to put their faith in God. That's what God did with the Israelites when He brought them into the wilderness. He made them poor to the world, and He expected them to put their faith in Him.) Notice that it was his stored-up treasures that required his soul. Jesus promised the unfailing Kingdom provisions to those who would store up their treasures in Heaven by giving. (32) Fear not, little flock; for it is your Father's good pleasure to give you the kingdom. (33) Sell that which ye have, and give alms; make for yourselves purses which wax not old (not storing up), a treasure in the heavens that faileth not, where no thief draweth near, neither moth destroyeth. As long as we are on this earth, we can draw on our Heavenly bank account if we have deposited by giving to the needs of others. “Give, and it shall be given unto you.” If we have stored up on earth instead, the promise is that it will be stolen by thieves of one kind or another. Our heart will be on our treasures, falsely thinking them to be our security. (Luk.12:34) For where your treasure is, there will your heart be also. (And God cannot lie!) (I'm told that Psalm 118:8 is the center verse in the Bible and I'm sure that it is at least central to God's heart.) (Psa.118:8) It is better to take refuge in the Lord than to put confidence in man. Our trust in man is what brings the curse to pass. (Jer.17:5) Thus saith the Lord: Cursed is the man that trusteth in man, and maketh flesh his arm, and whose heart departeth from the Lord. (People are trusting in their insurance of many different kinds; they're trusting in their insurance companies, but they are all going to fail. Everything but God is going to fail in the days ahead!) As we can see, the insurances themselves bring the curse that they are thought to relieve. (The man who stored up “much goods” found that they brought the curse upon him. God is not offended with the world doing it; He's offended with His people doing these things.) God is offended with those who call themselves believers, yet trust in man's strength and insurances. This is a heart that departs from the Lord. In 2 Chronicles 16:1-6, Asa, king of Judah, put his trust in the worldly king of Syria for insurance against his enemies. This offended God, Who sent judgment. (2Ch.16:7) And at that time Hanani the seer came to Asa king of Judah, and said unto him, Because thou hast relied on the king of Syria, and hast not relied on the Lord thy God, therefore is the host of the king of Syria escaped out of thy hand. (8) Were not the Ethiopians and the Lubim a huge host, with chariots and horsemen exceeding many? yet, because thou didst rely on the Lord, he delivered them into thy hand. (9) For the eyes of the Lord run to and fro throughout the whole earth, to show himself strong in the behalf of them whose heart is perfect toward him. Herein thou hast done foolishly; for from henceforth thou shalt have wars. God is eager to show signs and wonders to those who trust in Him with a perfect heart. (Obviously, a “perfect heart” is not one that trusts in the world.) You would think that Asa would have learned this lesson, but his trust in man cost him his life, as it does for so many. (12) And in the thirty and ninth year of his reign Asa was diseased in his feet; his disease was exceeding great: yet in his disease he sought not to the Lord, but to the physicians (13) And Asa slept with his fathers.... Christians justify their misplaced trust in man's insurances, not realizing that this brings the judgment in the first place. Let me share this experience with you. M.J. and I were about to go to work on a large crude oil pump for Exxon. The process department had blocked it out of line and drained it, or so we thought. What we did not know was that the pressure gauge read “0” because it was broken and the drain valve, though open, was stopped up, so there was a little pressure still in the pump. We took the bolts out of the head plate to remove it, but it was stuck. I stood up and took about four steps away to get something to break it loose when I heard a “pop” sound and turned around to see M.J. drenched with black crude from head to foot. As he opened his eyes, he sarcastically looked at me and said, “David, you did this to me.” Well, I could not contain myself and busted out laughing. The thought of me stepping away in the nick of time so that M.J. could get plastered was too much for me. Attempting to sound serious, he said, “Dave, you're never going to do this to me again.” I said, “M.J., you had better watch those self-confident statements. You know God is listening.” Then, he repeated his statement and said, “Bring me up to the shower house. I have a spare set of clothes up there.” I said, “Oh, now I know why you got it instead of me.” He asked, “Why?” I said, “Because I don't have a spare set of clothes and God knew it.” He looked at me kind of inquisitively. I explained that planning for a catastrophe is the same as having faith for it. It also proves that you do not believe that God will protect or provide. Later that day, we were working on another pump. M.J. was next to me as we used an impact gun to take off some bolts. Suddenly, slurry squirted down one of the open bolt holes and hit M.J. in the middle of his chest, leaving me untouched. (Slurry is a crude that will stain anything; you cannot get it out. If it gets on your clothes, you can just forget it because that's the color they are now. In fact, it's that way on skin; it's just terribly staining. So this slurry squirted down the bolt hole, down the side of the thread and hit him right in the chest.) He looked at me in disbelief. I playfully said, “M.J., I told you God doesn't like those self-confident statements,” but we both knew that God was speaking in this. We could not remember when this had happened to us before, much less twice in one day. (Truly, in the wilderness that's coming, we can put our trust only in the living God; nothing else is going to save us.) Now, back to that old Datsun station wagon; I want you to know the Lord used that vehicle to teach me many other lessons. When I was about to buy a new car, I really kind of favored the Toyota because I felt it was the better car, but I always left things up to the Lord. I asked, “Lord, which one do you want me to buy, the Toyota or the Datsun?” And I was surprised when the Lord said, “I want you to get the Datsun station wagon.” Now, a person would think that when the Lord tells you to do something, everything would be just fine since, obviously, the Lord is looking out for your good. Well, He was looking out for my good, but not in the way you would think sometimes. I told you the tire story, but other things went wrong with that car. Sometimes God wants you to have victory in trials. It wasn't all that long after I bought the car that the carburetor started acting erratically. And since I was a pretty good machinist and a pretty good mechanic, I knew the carburetor was plugged. I also knew that I didn't feel like tearing down the carburetor because the most precious thing in my life is my time. I used every spare moment I had to read the Bible, to study the Word. I was literally drawn, hungering and thirsting for the Word. Anyway, I just commanded that thing to be healed and kept on driving the Datsun. It went on like that, acting kind of erratically for a couple of weeks, but I just kept on holding fast to my confession. (Heb.10:23) Let us hold fast the confession of our hope that it waver not; for he is faithful that promised. The Lord will try you; just because you don't get the answer right away doesn't mean He hasn't heard you. After I held on like this for a couple of weeks, suddenly it started getting better and better until the problem was gone. In a few more weeks, I was faced with a different problem. The transmission started slipping and I thought it was just crazy for a relatively new car to be doing things like this, but I did all the normal things that a mechanic would do, like checking the fluid, for example, to make sure it was at the right level. And again, I knew that I didn't want to mess with that transmission by working on it myself, and I didn't want to take it to a shop. My time was valuable to me. In the wilderness, it will be a different story. You may not be able to find somebody to work on it, or you may not have the money to work on it, or the parts may not be available, etc. Even though in those days I had plenty of money, I just wouldn't spend it. I considered that what I made belonged to the Kingdom, and I wanted to use it to meet the Kingdom's needs, not spend it on vehicles and things like that. So instead, I just commanded that transmission to “Be healed in the name of Jesus,” but it still went on slipping for a while. Of course, your mind is telling you, “Hey, if you keep letting it slip like that, you're going to have to replace the clutch,” and all the other things that normally go bad when it starts slipping. I just ignored it and kept on going, and as I held fast my confession, my transmission gradually got better and better, until I never had any more problems with it. So, the Lord had me by that car so He could try me and show me He could fix anything. Some of the times when the Lord was teaching me these lessons, I got in the flesh to do things myself, and nothing worked out right. For instance, I told you how, when the insurance money came in, I bought a new Chevrolet station wagon. Well, I'd watched a lot of advertisements for a product called “Slick 50” that showed how you could put it in an engine, run it in there a while, and afterward actually dump out the oil and the engine would still run. I was impressed with that. I thought, “Wow! That will keep my engine. It will make it last a long, long time.” But, folks, I already had a God Who would keep my engine and make it last a long, long time. He's a jealous God. He really wanted me to put my trust in Him. Do you know what I did? I put that Slick 50 in there, even though they said not to use it unless you have 40,000 or 50,000 miles on the car. Well, I stuck it in there a little early and they warn you that you can break some rings doing that. At the time, I still lived in Florida, and I had to go on a teaching tour in Texas. So all of my family and I got in the car and we took off, and before I got very far down the road, the car started pouring smoke out of the tailpipe. I looked in the rear-view mirror, and it was just solid smoke back there. I said, “What in the world has happened to my new car?” I checked the PCV and things like that but couldn't find anything wrong. The only thing I determined was that I must have broken rings, as they said I might do if I put Slick 50 in an engine that didn't have extra clearance in it. I would go a few miles down the road and pour a quart of oil in it, go a few miles and pour another quart in it, so I decided I was going to pray over the engine. I said, “Lord, forgive me for getting in the flesh, and I'm going to trust You to keep this engine.” So I prayed over the engine and I commanded it to be healed in the name of Jesus. I don't know where I got into the terminology of calling it “healed.” I've prayed over vehicles, refrigerators, washing machines, and things like that, and I would always just call it “healing.” Anyway, I prayed over that engine and commanded it to “be healed in the name of Jesus,” because it's not the terminology that you use. Your theology might be a little bit wrong, but the Lord knows what you're meaning. Well, I got back into the car and we went on our way. We got a lot farther down the road, and I think I had to put one more quart in that car on the whole trip to Texas and back. God repaired those broken rings and we had no more problem with that. I didn't have much trouble with that car for many, many years, but I had the water pump stop working on it once when my wife and I were out driving. She cranked the car, and water started just pouring out on the ground. I asked her to get out of the car and come lay hands on the hood with me, which we did. We laid hands on the hood and commanded that water pump to “stop leaking in the name of Jesus.” And that water pump seal immediately sealed back up and we drove off. I've had many miracles like that, but most people never think about doing that. The first thing that comes to their mind is, “Well, I have a warranty on this car; or “I have enough money to hire a mechanic to fix it.” I wanted to stay in the wilderness because I wanted to learn those lessons that, one day, everybody is going to have to learn, so I took every opportunity to stay in the wilderness The Israelites wanted to run back to Egypt whenever they came into a place where God would try them, but God put it in my heart to want to stay out there. I wanted to learn; I wanted to see God do these miracles. Besides that, God told me, “I'm bringing you through a wilderness, so you can tell My people that I still supply there.” I treasured these experiences. Some people would call them terrible tribulation, but I treasured them and I enjoyed seeing God do these things. Let me tell you about my washing machine. One time, after we had moved to Florida, the washing machine started leaking. Mary came and told me, “The seal in the washer has gone out; the pump is leaking onto the ground.” I thought, “I'm going to go pray for it.” So I went and prayed for it and commanded it to be healed, then I sopped up the water and told her to go ahead and use it. Well, she did the rest of the laundry, and the machine didn't leak any more water. Then, just a few weeks later, she said, “That machine is leaking again,” so I went back in there and did the same thing. It went for a few more weeks, and for a third time she said to me, “David, that washer is leaking again.” I said, “No, it's not. It's not leaking; that thing is healed. It's okay, it's fine, just wash and don't worry about it.” You see, I didn't want to go back on what I had spoken. I wanted to keep my trust in the Lord and, sure enough, it sealed up. I told my wife, “If you see it leak, don't confess it, just thank God that it's not leaking and it's fixed.” And, you know, I kept that washing machine until somebody gave me another one that was a lot newer. I remember another time, back when we were in Louisiana, when my two young sons were playing in the living room and I was sitting there studying. My wife came in and she said, “That washing machine won't run. It won't even come on.” I said, “Well, Corban and Nathan, you two go back there and lay hands on that washing machine and just command it to run in the name of Jesus and it will run.” So they did that; they went back there and they laid hands on that thing and they commanded it to run and it took off. I taught all my children to lay hands on this and that, and they got to see the power of God in their simple, childlike faith. Children will always have awesome faith if you teach them about God and you show them the truths in the Bible. We had this lawnmower, and we pulled it out after the winter so we could cut the grass in the early spring. I pulled and pulled and pulled on this lawnmower, but it wouldn't start. My boys were really young at the time, and they were just standing around, looking at me. Well, I pulled the spark plug wire off, put it alongside the block, and pulled it. There was no spark. Now, by this time, I was sweating, tired and I wanted to get it over with. I called my boys to me and said to them, “Let's pray for this thing. Let's command it to run in the name of Jesus. I don't care if it has a spark or not; I just want it to run.” So my boys came over and we all laid hands on the lawnmower, and I commanded it to run in the name of Jesus. Then I cranked it up and mowed the lawn. I don't know if it ever had a spark or not. That didn't make any difference; it just had to run. (Mat.21:21) And Jesus answered and said unto them, Verily I say unto you, If ye have faith, and doubt not, ye shall not only do what is done to the fig tree, but even if ye shall say unto this mountain, Be thou taken up and cast into the sea, it shall be done. (22) And all things, whatsoever ye shall ask in prayer, believing, ye shall receive. The Lord told us, if you speak to a mountain and don't doubt, that what we say will come to pass, and I tell you, teach your children. They have more faith than you. When you tell a child something, the child just believes you, and that's the way we ought to be with God. (Mat.18:2) And he called to him a little child, and set him in the midst of them, (3) and said, Verily I say unto you, Except ye turn, and become as little children, ye shall in no wise enter into the kingdom of heaven. We need to become like a child and, with childlike faith, just believe in our God, just believe that He will do it.

On this week's Money Matters, Scott and Pat dive deep into what truly makes a great financial advisor—and why empathy and guidance matter as much as investment strategies. They share real-life stories that highlight how a trusted financial advisor can help families navigate some of life's toughest moments: illness, unexpected retirement, losing a spouse, and planning for Social Security. From a caller facing a terminal cancer diagnosis to another couple debating whether to pay off their mortgage early, Scott and Pat explore the practical—and emotional—side of retirement and estate planning. Listeners will learn why selecting the right financial advisor isn't just about numbers, but about having a partner who understands the human side of money. Join Money Matters:  Get your most pressing financial questions answered by Allworth's co-founders Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking here.  You can also be on the air by emailing Scott and Pat at questions@moneymatters.com. Download and rate our podcast here.

Jim and Chris discuss a listener PSA on WEP treatment for foreign pensions, followed by questions on Social Security strategies, benefit calculators, account consolidation, and MYGA selection.(13:00) Georgette shares a PSA on how a lump-sum superannuation payout impacted WEP treatment under the POMs rule and led to a successful Social Security appeal.(21:45) George outlines his […] The post Social Security, Account Consolidation, and MYGA Selection: Q&A #2537 appeared first on The Retirement and IRA Show.

How much you need to retire quiz: https://bit.ly/Adam-OlsonAvoid Retirement Taxes So Well It Feels Like Cheating8319121.1Most retirees unknowingly hand over 20–30% of their retirement income to taxes every year. But the truth is—smart retirees often pay less than 5%. The difference comes down to retirement tax strategies that are 100% legal, yet so effective they feel like cheating.In this video, I'll reveal how to avoid retirement taxes and build a tax-free retirement plan using strategies that go far beyond conventional advice. You'll learn:✅ The hidden retirement tax mistakes most people make, including RMD tax planning traps, Social Security tax strategies, Medicare IRMAA surcharges, and state income tax surprises that eat away at your savings.✅ Why traditional retirement tax advice often fails—and how tax-efficient retirement planning can save you thousands every year.✅ The power of the Roth conversion strategy to eliminate required minimum distributions and create lifetime tax-free retirement income.✅ How geographic arbitrage (moving to a tax-friendly state like Florida, Texas, or Nevada) can instantly save 5–10% of your income.✅ The overlooked benefits of municipal bonds that generate completely tax-free income and don't trigger Social Security taxes or Medicare surcharges.✅ Why the Health Savings Account (HSA) retirement strategy is the only account with triple tax advantages—and how to use it for healthcare and tax-free wealth building.✅ My complete Red Zone Retirement Plan framework that coordinates Roth conversions, state tax planning, municipal bond ladders, and HSAs into a powerful tax-efficient retirement strategy.All of these tax strategies are fully legal, built into the tax code, and proven to reduce lifetime tax burdens. Done correctly, they can transform your finances and create the confidence of a near-zero-tax retirement.

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CBS EYE ON THE WORLD WITH JOHN BATCHELOR SHOW SCHEDULE  9-11-25 GOOD EVENING: The show begins in Brussels at the Article Four meeting called by Poland. 1942 FIRST HOUR 9-915 McCausland: Jeff McCausland analyzes Russia's drone probes into Poland, viewing them as Vladimir Putin's attempt to intimidate NATO and gather military intelligence. He notes Dmitry Medvedev's aggressive rhetoric against Finland. McCausland also discusses Israel's strike against Hamas in Doha, impacting US-Qatar relations, and US military posturing near Venezuela to intimidate Nicolás Maduro. He warns against "gunboat diplomacy" and a "war on cartels," stressing the dangers of escalation and historical lessons. 915-930 CONTINUED McCausland: Jeff McCausland analyzes Russia's drone probes into Poland, viewing them as Vladimir Putin's attempt to intimidate NATO and gather military intelligence. He notes Dmitry Medvedev's aggressive rhetoric against Finland. McCausland also discusses Israel's strike against Hamas in Doha, impacting US-Qatar relations, and US military posturing near Venezuela to intimidate Nicolás Maduro. He warns against "gunboat diplomacy" and a "war on cartels," stressing the dangers of escalation and historical lessons. 930-945 Mary O'Grady analyzes Argentine President Javier Milei's significant election loss in Buenos Aires, attributed to a corruption scandal involving his sister and the slowing economy. His brash style, while initially appealing and celebrated internationally, now alienates potential congressional allies and conservative voters. O'Grady suggests this approach is ill-suited for governing, hindering his economic reforms, as he struggles with high inflation and cuts to public subsidies, impacting public perception.945-1000 Chris Riegel, CEO of scholar.com, counters AI doomsayers like Geoff Hinton, emphasizing AI's transformational potential as a tool. He highlights the  mmense investment, hundreds of billions, in building gigawatt-plus data centers across the United States. This infrastructure drive is creating new industries and jobs, establishing the US as a global leader in AI, while also noting Asia's keen interest in US AI technology and Europe's lack of a cohesive strategy. SECOND HOUR 10-1015 Jonathan Conricus observes Qatar's unprecedented move to engage beyond conventional tools, which Israel is closely monitoring. He suggests Israel's recent strike could signify a new deterrence doctrine, making Hamas leaders in Doha more vulnerable. This pressure might compel Hamas to accept Israel's terms for ending the conflict, which include releasing hostages and surrendering, thereby preventing further destruction and suffering in Gaza, despite the significant costs involved for Israel.1015-1030 CONTINUED Jonathan Conricus observes Qatar's unprecedented move to engage beyond conventional tools, which Israel is closely monitoring. He suggests Israel's recent strike could signify a new deterrence doctrine, making Hamas leaders in Doha more vulnerable. This pressure might compel Hamas to accept Israel's terms for ending the conflict, which include releasing hostages and surrendering, thereby preventing further destruction and suffering in Gaza, despite the significant costs involved for Israel.1030-1045 Ben Baird reveals US government agencies, under both Obama and Biden administrations, continuously funded extremist Muslim groups. Despite warnings and previous Trump administration cuts, over $25 million in grants went to organizations with alleged ties to terrorism, antisemitism, the Muslim Brotherhood, and Hamas. This included partnering with groups like CAIR, which also provided firearms training to radical mosques, raising serious questions about oversight and vetting standards for federal funds.1045-1100 Jonathan Speyer reports on Houthi attacks on Red Sea shipping and Israel, sustained by Iranian, Iraqi, Hezbollah, and even Chinese support. He describes the Houthis as fanatical, religiously and tribally motivated, aiming for "death to America, death to Israel, and curse the Jews." While cutting their supply chain and taking Hodeidah port is militarily feasible for a Western-backed force, a lack of political will currently prevents such aggressive action against their sophisticated smuggling operations. THIRD HOUR 1100-1115 Anatol Lieven explains that Alexander Lukashenko of Belarus is a Soviet loyalist, not a Putin stooge, but was driven to Russia by Western sanctions. He discusses Russian drone incursions into Poland, likely an intentional message to NATO to test air defenses and warn against deploying troops to Ukraine. Russia may also seek to maintain Belarus firmly in its orbit by disrupting its multi-vector foreign policy initiatives, particularly any attempts at détente with the West.1115-1130 CONTINUED Anatol Lieven explains that Alexander Lukashenko of Belarus is a Soviet loyalist, not a Putin stooge, but was driven to Russia by Western sanctions. He discusses Russian drone incursions into Poland, likely an intentional message to NATO to test air defenses and warn against deploying troops to Ukraine. Russia may also seek to maintain Belarus firmly in its orbit by disrupting its multi-vector foreign policy initiatives, particularly any attempts at détente with the West.1130-1145 Veronique de Rugy critiques US tax "carveouts," identifying them as inefficient special interest deductions that often fail to incentivize desired behaviors, citing employer health insurance and mortgage interest deductions. While a flat tax would streamline the system and boost economic growth by focusing on consumption, de Rugy emphasizes that no tax system alone can resolve the severe US debt crisis; crucial reforms to Social Security and Medicare are indispensable.1145-1200 Ronan Wordsworth addresses a persistent recruitment and retention crisis in Five Eyes militaries, spanning decades. Younger generations, particularly Gen Z, favor STEM careers offering flexibility and better pay over military discipline. Militaries are responding with increased advertising, flexible service models, lateral entry for skilled professionals, and significant pay raises and bonuses. Low morale, stemming from unpopular past wars and perceived institutional guilt, also significantly impacts retention rates. FOURTH HOUR 12-1215 Professor Evan Ellis details Peru's complex political landscape under unpopular President Dina Boluarte, its strategic importance due to mineral resources, and substantial economic ties with China, including the Chancay deepwater port. He also addresses the escalating Venezuelan situation, with a US Marine Air-Ground Task Force deployment and bounties on Nicolás Maduro, suggesting potential military action. Additionally, he touches on Bolsonaro's trial in Brazil and Guyana's newfound oil wealth amid Venezuelan threats.1215-1230 CONTINUED Professor Evan Ellis details Peru's complex political landscape under unpopular President Dina Boluarte, its strategic importance due to mineral resources, and substantial economic ties with China, including the Chancay deepwater port. He also addresses the escalating Venezuelan situation, with a US Marine Air-Ground Task Force deployment and bounties on Nicolás Maduro, suggesting potential military action. Additionally, he touches on Bolsonaro's trial in Brazil and Guyana's newfound oil wealth amid Venezuelan threats.1230-1245 CONTINUED Professor Evan Ellis details Peru's complex political landscape under unpopular President Dina Boluarte, its strategic importance due to mineral resources, and substantial economic ties with China, including the Chancay deepwater port. He also addresses the escalating Venezuelan situation, with a US Marine Air-Ground Task Force deployment and bounties on Nicolás Maduro, suggesting potential military action. Additionally, he touches on Bolsonaro's trial in Brazil and Guyana's newfound oil wealth amid Venezuelan threats.1245-100 AM CONTINUED Professor Evan Ellis details Peru's complex political landscape under unpopular President Dina Boluarte, its strategic importance due to mineral resources, and substantial economic ties with China, including the Chancay deepwater port. He also addresses the escalating Venezuelan situation, with a US Marine Air-Ground Task Force deployment and bounties on Nicolás Maduro, suggesting potential military action. Additionally, he touches on Bolsonaro's trial in Brazil and Guyana's newfound oil wealth amid Venezuelan threats.

Veronique de Rugy critiques US tax "carveouts," identifying them as inefficient special interest deductions that often fail to incentivize desired behaviors, citing employer health insurance and mortgage interest deductions. While a flat tax would streamline the system and boost economic growth by focusing on consumption, de Rugy emphasizes that no tax system alone can resolve the severe US debt crisis; crucial reforms to Social Security and Medicare are indispensable. 1870 SIEGE OF PARIS

Don answers listener questions on funding a taxable brokerage account, clarifies what “more buyers than sellers” really means, explains why fixed income is about psychology rather than income, gives advice on setting up joint accounts for aging parents, lays out a lifetime HSA allocation strategy, and clears up confusion about Appella Wealth's connection to Talking Real Money. 0:04 Friday Q&A intro and thanks for listener questions 1:19 When to open a taxable brokerage account (AVGE + SGOV mix) 3:28 “More buyers than sellers” — why it's really about demand vs. supply 6:23 Whether pension + Social Security counts as “fixed income” in a 60/40 plan 10:40 Setting up money market accounts and estate planning for aging parents 14:07 Lifetime HSA strategy — contributions, withdrawals, and allocation glidepath 17:32 Is Appella Advice for Life connected to Talking Real Money? Learn more about your ad choices. Visit megaphone.fm/adchoices

Synopsis:  Historical context for change- Reich draws parallels between the current era and the first Gilded Age, suggesting that a new Progressive Era could be on the horizon as a response to the second Gilded Age, bringing about potential reforms to economic and political systems.This show is made possible by you! To become a sustaining member go to LauraFlanders.org/donateDescription: The crisis we're in was a long time coming. Now that we're here, what do we do about it? Returning to the show, former Labor Secretary and longtime professor Robert Reich joins Laura Flanders to discuss two bullies tormenting U.S. democracy: concentrated wealth and corporate power. As Reich shares, growing income inequality yields corruption in our politics and economy. No one election will change everything, but that's not a reason not to act, and act quickly to defeat the Trump administration — in Congress, and at the polls. Reich's latest Substack, “Should Democrats Shut Down the Government?” presents some ideas. Reich's latest book is “Coming Up Short: A Memoir of My America”. He  is also the subject of “The Last Class” about his final semester teaching at UC Berkeley's Goldman School. He's the author of eighteen books, including the bestsellers, “Aftershock” and “The System: Who Rigged It and How We Fix It,” and is co-founder of Inequality Media. Online, you can find Reich's viral video explainers and his widely-read newsletter on Substack. Join Reich and Flanders as they unpack how economic and political power intersect in American life – and catch Laura's two cents on “democratic capitalism.”“If the Republicans who now control Congress say, “‘We're not going to give you any role at all, and we are not even going to reassume our constitutional role as Congress,' then I think the Democrats have no choice but to say, ‘Forget it. That's it. The only way we bring attention to this crisis is we stop and shut the whole place down.'” - Robert Reich“More than a century ago, we had the first Gilded Age in the United States . . . We had the equivalent of billionaires, the equivalent of Elon Musk . . . Why would we not have another Progressive Era as a response to the Gilded Age? We are now in the second Gilded Age.” - Robert ReichGuest:  Robert Reich- Former Secretary of Labor; Professor Emeritus, University of California Berkeley; Author, Coming Up Short: My Memoir of AmericaFull Conversation Release: While our weekly shows are edited to time for broadcast on Public TV and community radio, we offer to our members and podcast subscribers the full uncut conversation. These audio exclusives are made possible thanks to our member supporters.Watch the special report on YouTube; PBS World Channel September 14th, and on over 300 public stations across the country (check your listings, or search here via zipcode). Listen: Episode airing on community radio September 17th  (check here to see if your station is airing the show) & available as a podcast.Full Episode Notes are located HERE.Support Laura Flanders and Friends by becoming a member at https://www.patreon.com/c/lauraflandersandfriendsMusic Credit:  'Dawn Smolders' by Bluedot Sessions, and original sound design by Jeannie HopperRESOURCES:*Recommended book: “Coming Up Short: A Memoir of My America, by Robert Reich - *Get the Book(*Bookshop is an online bookstore with a mission to financially support local, independent bookstores. The LF Show is an affiliate of bookshop.org and will receive a small commission if you click through and make a purchase.)Related Laura Flanders Show Episodes:•  Democracy & Capitalism: A Failed Experiment?  Watch•  The Pandemic Economy-  Watch / Listen•  Naomi Klein & Astra Taylor: Are We Entering “End Times Fascism”?  Watch / Listen: Episode and Full Conversation  •  Masha Gessen & Jason Stanley: Is it Doomsday for U.S. Democracy? Watch / Listen: Episode and Full ConversationRelated Articles and Resources:•  Documentary:  The Last Class with Robert Reich•  “The Jobs Crash” by Robert Reich, Substack•  Democrats Regain Advantage in Party Affiliation, by Jeffrey M. Jones, July 31, 2025, Gallup News•  Bessent hails new ‘Trump accounts' as ‘backdoor for privatizing Social Security, by Michael Stratford, July 30, 2025, Politico•  Co-founded by Robert Reich: Inequality Media and Inequality Media Civic Action•  Office Hours:  Who is MOST responsible for this catastrophe, other than Trump? By Robert Reich, September 3, 2025, SubStack• Schumer:  Democrats ‘will force votes' on Trump tariffs after disappointing jobs report, by Al Weaver, September 5, 2025, The Hill Laura Flanders and Friends Crew: Laura Flanders-Executive Producer, Writer; Sabrina Artel-Supervising Producer; Jeremiah Cothren-Senior Producer; Veronica Delgado-Video Editor, Janet Hernandez-Communications Director; Jeannie Hopper-Audio Director, Podcast & Radio Producer, Editor, Writer, Sound Design; Sarah Miller-Development Director, Nat Needham-Editor, Graphic Design emeritus; David Neuman-Senior Video Editor, and Rory O'Conner-Senior Consulting Producer. FOLLOW Laura Flanders and FriendsInstagram: https://www.instagram.com/lauraflandersandfriends/Blueky: https://bsky.app/profile/lfandfriends.bsky.socialFacebook: https://www.facebook.com/LauraFlandersAndFriends/Tiktok: https://www.tiktok.com/@lauraflandersandfriendsYouTube: https://www.youtube.com/channel/UCFLRxVeYcB1H7DbuYZQG-lgLinkedin: https://www.linkedin.com/company/lauraflandersandfriendsPatreon: https://www.patreon.com/lauraflandersandfriendsACCESSIBILITY - The broadcast edition of this episode is available with closed captioned by clicking here for our YouTube Channel

You track your steps. Maybe even your calories. But do you know what it really costs to live each month?Your personal cost of living is one of the most important numbers in your financial life. Without it, you may be spending in ways that don't reflect your values—or your faith. Let's explore why this number matters, how to calculate it, and how it ties into faithful stewardship.The Basics of StewardshipNo matter your income level or stage of life, the same principles apply. There are five things you can do with money:Earn itLive on itGive it awayOwe it to othersGrow it through saving and investingToday, we're focusing on “living on it”—what it really takes to cover your day-to-day needs. And remember: it's not just rent and groceries. A true cost of living includes less frequent expenses too—insurance premiums, car repairs, or even Christmas gifts.Why Tracking MattersInflation may be slowing, but most of us are still paying more than before. The government reports a national “cost of living,” but that number doesn't reflect your personal circumstances. That's why tracking your own cost of living is crucial—it provides clarity, and clarity is the foundation of stewardship.A practical tool for this is the FaithFi app, which helps you track your income, giving, saving, and spending—all in one place. Here's where to start:1. Begin with GivingFor believers, giving isn't just another line item. It's the first priority—an act of worship and trust in God's provision.2. Add Savings GoalsWhether building an emergency fund, saving for retirement, or preparing for a large expense, set targets you can track monthly.3. List Your ExpensesExpenses fall into three categories:Fixed: Rent, mortgage, insurance, subscriptions.Variable: Groceries, gas, utilities.Irregular: Property taxes, holiday gifts, car repairs. Spread these out by assigning a monthly average.When you add it all up, you'll have a clear picture of your total monthly needs—your true cost of living.If your expenses exceed your income, don't panic. The process reveals problem areas so you can adjust—cutting back on non-essentials, reevaluating fixed costs, or pausing discretionary spending. Stewardship isn't about guilt—it's about faithfulness.Proverbs 27:23–24 says, “Know well the condition of your flocks, and give attention to your herds, for riches do not last forever.” In modern terms: know your financial condition and manage it wisely.Living With Clarity and FaithTracking your cost of living isn't just a budgeting exercise. It's about living intentionally, aligning every dollar with God's purposes. Needs will shift, life will happen, but clarity allows you to walk with confidence, generosity, and purpose.That's why I encourage you to download the FaithFi app today. With FaithFi Pro, you'll gain access to tools, articles, Bible studies, and daily encouragement to help you manage money with wisdom. Find it at FaithFi.com or in your app store.So, do you know your personal cost of living? If not, there's no better time to find out.On Today's Program, Rob Answers Listener Questions:I'm 67 and single. Should I start taking Social Security now, or wait until age 70 for the larger benefit? I'm also worried about whether Social Security will even be around in the future. On top of that, I worked many years for a nonprofit that provided housing, so my reported income was low. Now I'm earning more—will that help increase my Social Security amount?I'm retired and already drawing Social Security, but I also have earned income from pastoring two rural churches. With that income, am I allowed to contribute to a Roth IRA or another type of retirement account?My husband and I don't have much debt besides our mortgage and a 0% interest loan we used for a heat pump. Should we pay off the heat pump early, add more to our emergency fund, or focus on paying down the mortgage?My online savings account was compromised, and someone tried to transfer money out. What steps can I take to protect myself when using online accounts? And do you recommend using a password keeper?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)1Password | LastPassWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Send us fan responses! Step into the hidden world of private banking as we pull back the curtain on how wealthy families truly protect and grow their assets. This eye-opening conversation reveals the fundamental truth that "you can never own anything in America" – and what you can do about it.Discover why making your name a business through LLCs and holding companies creates a protective barrier between your assets and potential threats. We explore the five charging order protection states (Nevada, Wyoming, Delaware, South Dakota, and Alaska) and why they're crucial for proper asset structuring.The conversation takes a fascinating turn when we uncover how Research and Development tax credits allow businesses to recover up to $500,000 per year – a strategy most tax professionals never mention. You'll learn about forms 6765, 8974, and 941, and how to leverage them properly.Ministry trusts and 508(c)(1)(a) organizations emerge as the cornerstone of private family wealth, offering both tax advantages and independence unlike their 501(c)(3) counterparts. We discuss how family Bibles and baptismal certificates can serve as legitimate identification, and why Social Security numbers represent a public trust system rather than a path to financial freedom.International banking strategies reveal how establishing accounts in countries like Palau, Georgia, Russia, or Ukraine can provide legitimate alternatives without U.S. identification requirements. We also cover the legal foundations for these strategies, including 28 CFR 802.23, which protects your right to privacy.Whether you're looking to protect existing assets or build generational wealth from scratch, this episode provides the framework for thinking and operating like the private families who have preserved wealth for centuries. It's not about evading responsibilities – it's about understanding the difference between public and private relationships and making informed choices for your financial future.https://donkilam.com FOLLOW THE YELLOW BRICK ROAD - DON KILAMGO GET HIS BOOK ON AMAZON NOW! https://www.amazon.com/Cant-Touch-This-Diplomatic-Immunity/dp/B09X1FXMNQ https://open.spotify.com/track/5QOUWyNahqcWvQ4WQAvwjj?autoplay=trueSupport the showhttps://donkilam.com

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

Vocational assessments can shape spousal support and earning-capacity debates. Rhonda and Dan unpack what credible reports look like, how to prepare, and how to challenge numbers that don't match reality. What you'll learn in this episode: ✨ Purpose & scope: Employability, realistic job options, training needs, and reasonable earnings. ✨ Data that matters: Social Security earnings, medical narratives, education, work history, and daily commitments.  ✨ Prep moves: What to bring, how to show up, and how to keep the interview factual and respectful.  ✨ Quality standards: Current labor data, paid databases, and transparent methodology—not a Google job search.  ✨ Retraining reality: Timelines (PT vs. FT), tuition costs, entry pay, and wage progression. ✨ After the report: Red flags to spot and when to seek a second opinion. 

Tax Relief with Timalyn Bowens Senior Deduction 2025   Episode 67:  In this episode, Timalyn continues the discussion begun in Episode 64 about the One Big Beautiful Bill Act.  Timalyn opens up the episode with a reminder of what the One Big Beautiful Bill Act is. There is a video version of this episode! You can watch it here : Senior Deduction Video Today, she's explaining the enhanced senior deduction for taxpayers who are 65 and older. This deduction will be available for tax years 2025 - 2028.  If there is any part of this new tax law that you'd like to hear her cover, please let us know.   What is the standard deduction for 2025?   The standard deduction is an amount that the IRS allows taxpayers to deduct from their taxable income. For 2025 the standard deductions are:   $15,750 for taxpayers filing as single or married filing separately $31,500 for married filing jointly taxpayers $23,625 for those taxpayers filing as head of household   It is an additional $6,000 deduction for each qualifying taxpayer. So if a couple married filing jointly is in their 70s, they are eligible to deduct an additional $12,000 from their taxes if they meet other criteria.    Seniors already get to deduct an additional $1,600 for those Married filing separately and jointly, and $2,000 for those filing as Single or Head of Household. The $6,000 is in addition to this. The senior deduction is also available whether the taxpayers itemize or use the standard deduction.     If the taxpayer is not married filing jointly, the deduction begins phasing out when their modified adjusted gross income reaches $75,000. This doubles to $300,000 for taxpayers who are married filing jointly. The IRS has yet to give more guidance on this.    To stay up to date with these changes, Timalyn lets listeners know that Tax Tips with Timalyn will be coming back. There will be different paid versions to subscribe to relevant information for individual taxpayers and business taxpayers.    No Tax on Social Security Benefits   A proposal was made during President Trump's last campaign that there be no tax on Social Security benefits. Social security benefits are still taxable income, but it is based on your provisional income, whether or not you actually pay taxes on the income. Timalyn goes into more detail about this in another episode of the podcast and a video. Both are linked down below for your convenience, as well as a playlist with other relevant information for retired taxpayers.   Is My Social Security Taxable? Retirement and Taxes Episode 13 - Retirement and Income Taxes Need Tax Help Now? If you need answers to your tax debt questions, book a consultation with Timalyn via her Bowens Tax Solutions website.  Click this link to book a call.   Please consider sharing this episode with your friends and family.  There are many people dealing with tax issues, and you may not know about it.  This information might be helpful to someone who really needs it.  After all, back taxes shouldn't ruin their life either.   As we conclude Episode 67, we encourage you to connect with Timalyn on social media. You'll be able to subscribe to this podcast on Spotify, Apple Podcasts, YouTube, and many other podcast platforms.     Remember, Timalyn Bowens is America's Favorite EA, and she's here to fill the tax literacy gap, one taxpayer at a time.  Thanks for listening to today's episode.   For more information about tax relief options or filing your taxes, visit https://www.Bowenstaxsolutions.com/ .   If you have any feedback or suggestions for an upcoming episode topic, please submit them here:  https://www.americasfavoriteea.com/contact. Disclaimer:  This podcast is for informational and educational purposes only.  It provides a framework and possible solutions for solving your tax problems, but it is not legally binding.  Please consult your tax professional regarding your specific tax situation.

Social Security will look different in 2026, and while the adjustments may seem minor on the surface, they can carry real weight over the course of retirement. Today we'll explain what's changing and why it matters for your long-term planning. Join Jake and Nick as they discuss how benefits are shifting, why retirement ages continue to move later, and the impact of higher costs tied to healthcare and taxes. More importantly, they highlight how these changes fit into the bigger picture. Social Security was never meant to be a stand-alone retirement plan, and relying on it exclusively can leave you vulnerable to inflation, rising medical expenses, and legislative tweaks like the ones we're seeing now. Here's what we discuss in this episode:

PREVIEW:De Rugy: Veronique de Rugy explains a flat tax wouldn't solve the severe US debt problem, which is worse than taxes alone can fix. Reforming Social Security and Medicare is crucial. MORE LATER. 1960

In this segment, we break down the estimated 2.7% cost-of-living adjustment for 2026 and explore why experts are concerned this moderate boost may not be enough to cover rising expenses for retirees. Today's Stocks & Topics: DIS - Walt Disney Co., Market Wrap, EBAY - EBay Inc., The 2026 Social Security COLA: Will a 2.7% Increase Be Enough to Outrun Inflation?, BBNX - Beta Bionics Inc., TOST - Toast Inc., NX - Quanex Building Products Corp., Recent Copper Mining Deals, BALL - Ball Corp., DOV - Dover Corp., TECK - Teck Resources Ltd., A-I and U.S. Market Returns.Our Sponsors:* Check out Anthropic: https://claude.ai/INVEST* Check out TruDiagnostic and use my code INVEST for a great deal: https://www.trudiagnostic.com* Check out Upwork: https://upwork.comAdvertising Inquiries: https://redcircle.com/brands

Here's a full episode package for Kent Hance: The Best Storyteller in Texas, based on the transcript from Trans Hance Salesmanship Speech.txt:

Curious how to manage your 401(k), Social Security, and retirement withdrawals in today's market? On this episode of the Retire Sooner Podcast, Wes Moss and Christa DiBiase break down practical strategies for navigating retirement planning, taxes, and investment decisions so you can make informed choices for your financial future. • Examine why a strong stock market may not reflect the real economy and what seems to be influencing current market movements. • Break down company stock in 401(k)s and explore how net unrealized appreciation (NUA) can affect tax planning. • Explore listener examples of balancing Social Security benefits and retirement account withdrawals to create a thoughtful income plan. • Review early retirement rules, including 457 plans, 72(t) distributions, and the rule of 55, and how they often impact access to funds. • Analyze estate planning mistakes, even among high-profile cases, to understand potential pitfalls and planning considerations. • Compare brokerage accounts, investment research tools, and target-date funds to evaluate what may fit your individual situation. • Evaluate the trade-offs between mortgage payoff strategies and staying invested when interest rates fluctuate. • Clarify how Roth 401(k) and IRA withdrawal rules differ before age 59 ½ and what that could mean for accessing retirement funds. Gain actionable insights and considerations to help make informed retirement planning decisions. Listen now and subscribe to the Retire Sooner Podcast to stay updated on the key factors shaping today's financial planning and retirement strategies. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!---

Get your customized planning started by scheduling a no-cost discovery call: http://bit.ly/calltruewealth In today's episode, we're tackling the big question: Can you really retire with $1 million?  We'll look at what the data says about how much people actually have saved How other assets like Social Security and pensions fit in, why your spending patterns matter more than you think Then we will finish up with the key planning opportunities — that can make all the difference. If you've ever asked yourself, “Do I really have enough to retire?” this episode will help you cut through the noise, understand the numbers, and feel more confident about your retirement readiness.   Have questions? Need help making sure your investments and retirement plan are on track? Click to schedule a free 20-minute call with one of True Wealth's CFP® Professionals. http://bit.ly/calltruewealth

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

IS CASH KING? BALANCING LIQUIDITY AND GROWTH FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS with Sandy Hornor | CEPS Managing Director, Wealth Management & Executive Manager, BWFA and Tyler Kluge | CFP®, ChFEB℠, CPWA®, CDFA®, CEPS,  Financial Planner, BWFA Episode Details: Cash is often described as either “king” or “trash.” In reality, it can be both—depending on your circumstances. In this episode of Healthy, Wealthy & Wise, BWFA's Sandy Hornor and Tyler Kluge explore when holding cash makes sense and when it may work against your long-term goals. The conversation begins with why cash matters. Having an emergency fund provides peace of mind and flexibility when life delivers the unexpected—medical bills, job loss, or urgent home repairs. Sandy and Tyler discuss how to size an emergency fund, why rules of thumb like “three to six months of expenses” may not fit every situation, and how personal factors such as job stability or income volatility affect the right cash balance. But cash also has drawbacks. For retirees who already have stable income from pensions or Social Security, holding too much in cash can mean missed opportunities for growth. The episode shares real-life examples of families who kept significant wealth in ultra-conservative accounts—only to realize that over decades, inflation would erode their purchasing power and diminish the legacy they hoped to leave to children and grandchildren. Sandy and Tyler emphasize that the right answer depends on goals, timing, and flexibility. They recommend tailoring cash holdings to personal risk tolerance, liquidity needs, and investment horizon. The discussion also touches on practical strategies, such as using money markets, high-yield savings, or laddered CDs to keep funds both safe and accessible. Finally, listeners are reminded that cash needs evolve with life changes—new jobs, growing families, or retirement. Reviewing and adjusting cash reserves regularly is critical to keeping financial plans on track. For more insights, visit BWFA's Financial Planning Services.

Part 2 – Escaping the Inflation Trap: What's Next for America, Bitcoin, and Your Wealth In the dramatic second half of this essential conversation, Tom Bilyeu and Lyn Alden chart the turbulent path ahead for the U.S. economy, the fate of government entitlements, and the role of assets like Bitcoin and real estate as lifeboats in a sea of currency debasement. Lyn offers insider-level guidance on how investors and ordinary people can adapt, protect themselves, and even thrive as the current system buckles under its own weight. This part gets tactical: Lyn breaks down her investing playbook for a world ruled by persistent money-printing, explains why governments and corporations are wrestling with the Bitcoin question, and discusses why the “soft default” through inflation is already underway. Tom and Lyn tackle difficult truths about the future of Social Security, social unrest, and wealth redistribution—and where hope and opportunity still exist. If you want answers, strategy, and clarity on surviving the era of fiscal dominance, this episode is unmissable. SHOWNOTES33:15 – Policy-fueled asset bubbles and the hollowing of Main Street36:56 – Trump vs. Powell: Interest rates, housing, and the limits of central banking41:18 – The hard reality: Government spending, entitlements, and default scenarios46:19 – Why America can't “run the Volcker playbook” anymore49:06 – Will the U.S. eventually default—hard or soft? What happens to the middle class?51:31 – Can America escape this destiny without violent upheaval?54:49 – The entitlement time bomb: When will Social Security “break”?59:23 – Wealth inequality, pain, and predictions for the coming decade1:07:03 – Socialism vs. austerity—and why both parties are moving away from growth1:10:44 – Can AI and productivity growth save us? Or is it too late?1:14:10 – Lyn's investing approach: Three pillars for an inflation-dominated world1:19:33 – Is Bitcoin the answer? Risks, opportunities, and macro perspective on BTC1:25:31 – Stablecoins, altcoins, and public-company treasuries1:30:57 – Will Bitcoin's volatility fade—and what must happen for wider adoption?1:43:53 – Lyn's playbook for ordinary people: How to protect yourself and grow wealth1:46:06 – The future of the dollar and why global diffusion, not collapse, is likely1:49:32 – How to learn more from Lyn Alden FOLLOW LYN ALDEN:Twitter: https://twitter.com/LynAldenContactWebsite: https://www.lynalden.com What's up, everybody? It's Tom Bilyeu here: If you want my help... STARTING a business: join me here at ZERO TO FOUNDER:  https://tombilyeu.com/zero-to-founder?utm_campaign=Podcast%20Offer&utm_source=podca[%E2%80%A6]d%20end%20of%20show&utm_content=podcast%20ad%20end%20of%20show SCALING a business: see if you qualify here.:  https://tombilyeu.com/call Get my battle-tested strategies and insights delivered weekly to your inbox: sign up here.: https://tombilyeu.com/ ********************************************************************** If you're serious about leveling up your life, I urge you to check out my new podcast, Tom Bilyeu's Mindset Playbook —a goldmine of my most impactful episodes on mindset, business, and health. Trust me, your future self will thank you. ********************************************************************** FOLLOW TOM: Instagram: https://www.instagram.com/tombilyeu/ Tik Tok: https://www.tiktok.com/@tombilyeu?lang=en Twitter: https://twitter.com/tombilyeu YouTube: https://www.youtube.com/@TomBilyeu Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn how to maximize your Social Security and pension benefits in your retirement income plan.

Today, Paul and Evan talk about the Federal Reserve remaining neutral amidst Trump's rhetoric around trying to influence the bank and interest rates. The two advisors talk about why they aren't confident that Trump will follow through on the pressure and dive into some of the history of this independent bank, as well as which countries have not kept their nation's banks independent and which countries don't have nationalized banks at all. Then, they switch topics to address a listener's question about how social security benefits are penalized if you retire early and how to calculate if you're hurting or helping your benefit if you continue to work past your retirement age.   Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

0:30 You're listening to American Ground Radio with Louis R. Avallone and Stephen Parr. In today's episode we tackle Stephen Miller's claim that Democrats are terrorizing America. We discuss soft-on-crime prosecutors, Biden's open-border policy, and the revolving door of catch-and-release justice. Plus, we cover the Top 3 Things You Need to Know: Israel attacked leaders of Hamas with a bombing inside Qatar. A Judge in Michigan has thrown out criminal charges against 16 people stemming from the 2020 election. One of the key figures in the IRS - TEA Party targeting scandal has been fired. 12:30 Stay hydrated throughout the day with Performlyte from Victory International. Go to vni.life/agr and use the promocod AGR20 to get 20% off. 13:30 A judge in Maryland has issued a preliminary injunction against the Trump administration's policy requiring a person's biological sex be listed on their passport. How will this move affect security? We ask the American Mamas, Teri Netterville and Kimberly Burleson, about their childhood memories of moments when adulters were unkind. From classroom embarrassments to painful daycare incidents, Terri and Kimberly reflect on how those early experiences shaped their empathy, parenting, and commitment to uplifting others. If you'd like to ask our American Mamas a question, go to our website, americangroundradio.com/mamas and click on the Ask the Mamas button! 23:00 We dive into one President Trump’s campaign promises—a proposed 10% cap on credit card interest rates. We explore whether government-imposed price controls could save Americans billions or create unintended consequences in the financial market. Plus, Jack Phillips from Masterpiece Cakeshop joins us on the phone to discuss his decade-long legal journey to the U.S. Supreme Court. Jack shares how his Christian faith guided his decision not to create a custom wedding cake for a same-sex couple, why he believes cakes are messages of art, and how he’s stood firm through multiple lawsuits, hate calls, and national scrutiny. You can order cookies and brownies at masterpiececakeshop.store and check out Jack's book, The Cost of My Faith: How a Decision in My Cake Shop Took Me to the Supreme Court. 32:30 Protovite from Victory International is a a multivitamin designed to absorb quickly. Go to vni.life/AGR and use the code AGR20 to get 20% off. 33:30 We break down a major Social Security change coming at the end of September. The Social Security Administration will stop issuing most paper checks to beneficiaries. Plus, Kentucky's 2018 law that made 50/50 child custody the default in most divorce case has led to fewer divorces in the state, and that's a Bright Spot! 40:30 We react to Fox News host Bret Baier’s surprising question to Justice Amy Coney Barrett about the 22nd Amendment and presidential term limits. And we finish off with some words of wisdom about parenting that will make you say, "Whoa!" americangroundradio.com Facebook: facebook.com / AmericanGroundRadio Instagram: instagram.com/americangroundradio Links: IRS issues termination notice to top aide linked to Obama-era Tea Party targeting scandal Divorce Plunged in Kentucky. Equal Custody for Fathers Is a Big Reason Why. Kentucky’s Common Sense Solution Sends Divorce Rates PlummetingSee omnystudio.com/listener for privacy information.

A domestic violence case takes a tragic turn; firefighters push for more cancer coverage; Seeking a solution for Social Security; and more...

Norbert Michel and Dominic Lett square off over whether fiscal or monetary policy is the bigger mess. Lett highlights how entitlement programs like Social Security and Medicare are driving unsustainable debt levels, while Michel explains how post-2008 Federal Reserve changes have created risks of “fiscal dominance,” where monetary policy is increasingly shaped by government borrowing needs. Both stress that without structural reforms and political restraint, the U.S. faces uncertain and potentially catastrophic economic consequences.Show Notes:https://www.cato.org/policy-analysis/comprehensive-evaluation-policy-rate-feedback-rules#https://www.cato.org/books/crushing-capitalismhttps://www.cato.org/blog/medicaid-driving-deficits-republicans-are-scarcely-tapping-brakeshttps://www.cato.org/news-releases/senate-bill-could-increase-debt-6-trillion-cato-analysis# Hosted on Acast. See acast.com/privacy for more information.

The hidden complexities of Social Security could cost retirees tens of thousands over a lifetime. While it may seem like a simple income source, the right strategy can dramatically improve your financial security.Claiming isn't one-size-fits-all. Protecting a spouse, guarding against longevity risk, or maximizing investments each call for a different approach. Traditional breakeven analyses often miss key factors like the opportunity cost of using investments while waiting for benefits.Spousal and survivor benefits can be game-changers—especially for couples with different earning histories. Even divorced individuals from long marriages may have powerful options.Taxes add another layer. Up to 85% of your benefits can be taxable, but with smart planning, that burden can shrink. And if you work while claiming early, your benefits may be reduced, erasing the advantage.Most importantly: retiring and claiming benefits are separate decisions. Your Social Security continues to grow whether you work or not, creating opportunities for better coordination across income sources and better after-tax income.Discover how mastering these Social Security secrets can transform your retirement strategy and your peace of mind.-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!

Originally aired on 06/03/2025 Patrick opens the hour by responding to a listener’s struggle with isolation while growing closer to Jesus, drawing parallels to St. Paul’s hardships and the promise of deeper spiritual bonds. He fields questions about Christian relics, considers the spiritual growth possible in suffering through flawed government, addresses the frustrations of Social Security, and gently advises callers on topics like wearing the rosary while on duty as a police officer or breaking the habit of speaking harshly to a parent. Lauren (email) – Do people choose not to follow Jesus because it can lead to a life of isolation? (00:39) Sean - Remind Patrick that Codex Sinaiticus was found at the St. Catherine’s Monastery at Mount Sinai (06:05) Alex - In response to affordable housing, isn’t it sometimes good to undergo suffering? (11:54) Jean – What about someone who pays into Social Security but dies before they collect anything (22:06) Patty – I’m a patrol sergeant and I wear the rosary around the neck. Is that disrespectful? (25:33) Bill - How do we discern between real videos of the pope and something that might be AI? (28:43) Beth - Response to an earlier email from Lauren about faith and isolation: the more we get involved in our parish, the more we feel connected. (35:20) Elena - Are there sins that God won’t forgive? (38:00) Jose - I live with my mom and help her. Is it right for me to leave? (44:58)

Marc Goldwein, Senior Vice President and Senior Policy Director for the Committee for a Responsible Federal Budget, breaks down two pressing economic issues. First, he explains why recent economic gains may be nothing more than a short-lived “sugar high” that doesn't signal long-term growth. Then, as Social Security celebrates its 90th anniversary, Goldwein highlights the looming insolvency crisis and what it means for retirees and future generations.

This week on Newstalk KBOI, Brian takes a step back to look at how the way we shop, spend, and invest has completely transformed—from Sears catalogs to Amazon's overnight delivery. But convenience comes with new challenges: tariffs on small packages, global supply chain shifts, and questions about whether “buying American” is realistic in today's economy. Brian also digs into the big-picture investing takeaways. What industries will benefit from reshoring manufacturing? Will AI make some jobs (and workers) obsolete—and what does that mean for investors? And when it comes to gold, is it really a currency, a collectible, or just a heavily-taxed gamble? Plus, Brian wraps it all up with our team's approach to the “bucket strategy,” showing how a disciplined approach could even rescue Social Security—and why the hardest part is simply getting started.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Host: Brian Wiley

How much you need to retire quiz: https://bit.ly/Adam-OlsonAvoid Retirement Taxes So Well It Feels Like Cheating8319121.1Most retirees unknowingly hand over 20–30% of their retirement income to taxes every year. But the truth is—smart retirees often pay less than 5%. The difference comes down to retirement tax strategies that are 100% legal, yet so effective they feel like cheating.In this video, I'll reveal how to avoid retirement taxes and build a tax-free retirement plan using strategies that go far beyond conventional advice. You'll learn:✅ The hidden retirement tax mistakes most people make, including RMD tax planning traps, Social Security tax strategies, Medicare IRMAA surcharges, and state income tax surprises that eat away at your savings.✅ Why traditional retirement tax advice often fails—and how tax-efficient retirement planning can save you thousands every year.✅ The power of the Roth conversion strategy to eliminate required minimum distributions and create lifetime tax-free retirement income.✅ How geographic arbitrage (moving to a tax-friendly state like Florida, Texas, or Nevada) can instantly save 5–10% of your income.✅ The overlooked benefits of municipal bonds that generate completely tax-free income and don't trigger Social Security taxes or Medicare surcharges.✅ Why the Health Savings Account (HSA) retirement strategy is the only account with triple tax advantages—and how to use it for healthcare and tax-free wealth building.✅ My complete Red Zone Retirement Plan framework that coordinates Roth conversions, state tax planning, municipal bond ladders, and HSAs into a powerful tax-efficient retirement strategy.All of these tax strategies are fully legal, built into the tax code, and proven to reduce lifetime tax burdens. Done correctly, they can transform your finances and create the confidence of a near-zero-tax retirement.

ChooseFI unveils a new feature on the website that allows listeners to have their financial independence questions answered by experts. Featuring in-depth discussions with Karsten Jeske (Big Earn) and Fritz Gilbert, the episode explores the ramifications of potentially increasing the safe withdrawal rate and provides critical insights into retirement strategies, including cash flow considerations like Social Security and required minimum distributions (RMDs). Key Topics Discussed: Introduction to New Features (00:00:00) Introduction of a Q&A functionality on the ChooseFI website for community engagement. Listener Questions Segment (00:00:36) Introduction to the expert answers provided by Karsten and Fritz. Discussion on Safe Withdrawal Rates (00:05:26) Explanation of the traditional 4% rule and its significance. Karsten's Perspective on the 5.5% Rate (00:07:45) Critique of Bill Bangan's proposed increase in the safe withdrawal rate and why it may be misleading. Nuances of Early Retirement (00:34:25) Insights on adjusting retirement strategies when planning for longer horizons, emphasizing the time value of money. Fritz on RMDs and Safe Withdrawal Rate (00:36:16) Explanation of how RMDs impact withdrawal strategies, highlighting that RMDs apply only to pre-tax accounts. Actionable Takeaways: Adjust SWR to account for extended Retirement horizons Incorporate potential income sources such as Social Security into your retirement planning. (00:35:01) Carefully consider your asset allocation to manage risks related to early retirement (e.g., sequence of return risk). (00:48:06) Key Quotes: "The proposed 5.5% withdrawal rate is misleading and overly optimistic." (00:09:21) - Karsten Jeske "A safe withdrawal rate must not fall below 3.25% for financial security." (00:35:41) - Karsten Jeske "Plan for additional income sources like Social Security in retirement." (00:35:01) - Karsten Jeske "RMDs do not dictate your total spending in retirement." (00:39:00) - Fritz Gilbert "Behavioral finance warns against the pitfalls of emotional investing." (00:51:16) - Brad Barrett Timestamps: 00:02 - Invitation to submit questions at choosefi.com/feedback. 00:05 - Introduction of Karsten Jeske and Fritz Gilbert. 00:09 - Discussion on the safe withdrawal rate controversy. 00:35 - Required minimum distributions explained. 00:49 - Dynamic withdrawal strategies overview. Discussion Questions: How do you view the proposed increase in safe withdrawal rates? What strategies are you incorporating to prepare for early retirement? In what ways can Social Security impact your withdrawal strategy? How do you reconcile RMDs with your personal withdrawal goals? Related Resources: Early Retirement Now Blog: Insights into safe withdrawal rates. Retirement Manifesto: A guide to successful retirement strategies

The markets are sending mixed signals — domestic and international equities continue to climb, gold hits record highs, and small caps rally like we haven't seen in decades. But uncertainty looms: will the Fed cut rates in September, or will stubborn inflation hold them back?In this episode of Today's Market Explained, Brian Kasal and Chris Reardon break down the latest economic numbers, global trends, and policy shifts that every investor should be watching. From international surprises to tariff battles and even the future of Social Security, they cut through the noise to give you a clear picture of where things stand.

A Democrat introduces bill to eliminate taxes on Social Security. Didn't Trump promise that? What will the GOP do now? This is how crazy the GOP is about guns - they're mulling a trans gun ban. Leave it to the GOP to push "hate" instead of gun reform. Trump's pick to lead BLS tweeted sexually degrading and racist attacks.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.