Podcasts about social security

Welcome to Dentist Money Two Cents, a look at the latest financial and economic news from the past week.
 On this episode of Dentist Money's Two Cents, LIVE from the 2025 Dentist Money Summit in Park City, UT, Matt and Rabih unpack recent economic developments—including the Fed's decision to hold interest rates steady. They also talk about Warren Buffett's retirement from Berkshire Hathaway and the long-term challenges facing Social Security. Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.

On this episode: Moving on from the scarring of the 2008 financial crisis. Where is your comfort zone with cash, and what should that account be used for? Retirement laws are constantly changing. How do you stay ahead? Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

This week, we're bringing back your favorite co-host, Kathryn Tuggle(!), and diving into a Mailbag filled with your most pressing (and most personal) money questions we've heard in a while.  Jean and Kathryn tackle the complex crossroads of navigating identity theft and divorce, when to take Social Security (and when not to), and whether putting all your retirement savings into an annuity is ever the right move, and more! Plus: Jean shares her must-dos if you think your identity has been compromised, including the single most important move to protect your credit right now. … Does more financial confidence sound good to you, then you might want to try: 

See omnystudio.com/listener for privacy information.

Today's Post - https://bahnsen.co/3FKivXl What Happens If We Do Nothing About National Debt? In this week's episode of Dividend Cafe, the host revisits the topic of national debt and explores what might happen if no actions are taken to address it. The discussion moves from hypothetical solutions proposed in a previous episode to real-life economic implications of inaction. With national debt at around $37 trillion, annual deficits continue to grow, adding to economic instability. David outlines various potential outcomes, including financial repression, higher taxes, recalibration of Social Security and Medicare benefits, and federal asset sales, emphasizing that painful solutions are inevitable. The episode stresses a decline in growth due to excessive governmental debt and advocates for an investment approach focused on quality amidst these challenges. 00:00 Introduction and Recap of Dave Land 01:38 The Reality of National Debt 03:34 Uncertainty and Economic Predictions 08:40 Potential Responses to National Debt 09:56 Financial Repression and Debt Monetization 11:31 Debt Default and Social Security Recalibration 13:36 Higher Taxes and Federal Asset Sales 17:20 Conclusion and Investment Philosophy Links mentioned in this episode: DividendCafe.com TheBahnsenGroup.com

The Supreme Court this week said Tennessee may continue to enforce its law banning most types of gender-affirming care for minors. The ruling is likely to greenlight similar laws in two dozen states. Meanwhile, the Senate is preparing to vote on a budget reconciliation bill that includes even deeper Medicaid cuts than the bill that barely passed the House in May. Alice Miranda Ollstein of Politico, Sandhya Raman of CQ Roll Call, and Victoria Knight of Axios join KFF Health News' Julie Rovner to discuss these stories and more. Plus, for “extra credit” the panelists suggest health policy stories they read this week that they think you should read, too: Julie Rovner: The New York Times' “The Bureaucrat and the Billionaire: Inside DOGE's Chaotic Takeover of Social Security,” by Alexandra Berzon, Nicholas Nehamas, and Tara Siegel Bernard. Alice Miranda Ollstein: Wired's “What Tear Gas and Rubber Bullets Do to the Human Body,” by Emily Mullin. Victoria Knight: The New York Times' “They Asked an A.I. Chatbot Questions. The Answers Sent Them Spiraling,” by Kashmir Hill. Sandhya Raman: North Carolina Health News' “Ambulance Companies Collect Millions by Seizing Wages, State Tax Refunds,” by Michelle Crouch and Charlotte Ledger. Hosted on Acast. See acast.com/privacy for more information.

In today's episode, we're diving into the latest press release from the Social Security Board of Trustees. The numbers this year look worse than last year—and that has real implications for your retirement. To find links and resources mentioned in today's podcast, visit SoundRetirementPlanning.com and click on episode #456. The Retirement Budget Calculator is an intuitive tool that promises ease and accuracy. However, like any tool, user error could potentially lead to costly mistakes. To avoid this, let the experienced advisors at Parker Financial LLC guide you. When you hire our team, we offer a comprehensive review of your current investments, taxes, and the data in the Retirement Budget Calculator. We will ensure your plan's completeness and accuracy, helping you create an investment strategy, assist with tax planning, and monitor your plan to maximize your retirement benefits. At Parker Financial we offer a well-crafted retirement investment strategy, deeply rooted in academic data and financial science which can be the key to a prosperous retirement. Don't leave your future to chance. Take the first step towards a sound retirement. Schedule your complimentary discovery session now by visiting Parker-Financial.net let us help you make the most of your retirement years.      

Tara and Lee dive into the coming collapse of Social Security, now projected to go bust by 2034. With biting sarcasm and sobering facts, they expose how Congress raided the so-called “lockbox,” replacing real money with IOUs and creating a $6 trillion shortfall. The discussion unpacks how privatization—once proposed by George W. Bush and Paul Ryan—could have yielded five times the returns for Americans if enacted. Tara connects the crisis to broader systemic failures, including illegal immigration's impact on unpaid taxes and the misuse of Medicaid. Plus, a breakdown of Trump's “Big Beautiful Bill,” featuring 100% factory expensing and the potential for a blue-collar boom. A must-hear warning and call to action on America's financial future.

In this explosive back-to-back breakdown, Tara tackles two of America's most urgent threats: the looming insolvency of Social Security and the escalating standoff with Iran. First, she exposes how decades of bad policy, IOUs, and congressional theft have turned Social Security into a raw deal for Americans—costing retirees real freedom and financial security. Then, the spotlight shifts to Trump's high-risk “two-week” delay in the Israeli-Iranian conflict. Is it brilliant disinformation or a countdown to war? Featuring sharp military insight and geopolitical warnings, Tara lays out how Iran's weakened regime, nuclear ambitions, and assassination plots against Trump pose a clear and present danger. This is a raw look at how bad leadership—both domestic and foreign—has put America on the edge.

Lots to dig into in today's Red Meat episode, including Trump's victories over Gavin Newsom in California, the latest with Iran and Israel, troubles in Social Security, and an upbeat look at law enforcement heroes.

Did you hear about the guy who tried to pay his taxes with a smile? Unfortunately for him, the IRS still prefers cash.All jokes aside, failing to file your taxes for several years is no small matter—but it's not the end of the road, either. Kevin Cross joins us today with practical steps to help you get back on track.Kevin Cross is a Certified Public Accountant (CPA) who has headed CPA firms in Florida and now Georgia. He has studied the tax code extensively and specializes in representing taxpayers before the Internal Revenue Service (IRS).Start With the Present, Not the PastThe further you fall behind, the more difficult it is to catch up. But rather than beginning with the year you first missed, he recommends filing your most recent return first—say, 2024—and working backward as needed. This shows the IRS that you're attempting to come into compliance, not ignoring your obligations.Falling behind on taxes is more common than most people think. Life events like divorce, disability, job loss, or even the rise of gig work can trigger tax complications. For example, many gig workers receive a 1099 for the first time, try to file using online software, and are shocked to discover they owe thousands. Rather than seek help, they freeze—and the following year's return also goes unfiled.Of course, COVID didn't help as many people have been struggling since then to get back on track.Do You Always Have to File?A common misunderstanding is that you must always file. If you're not going to owe anything, you don't have to file. That includes many senior citizens who live solely on Social Security.However, if you're due a refund, you have up to three years to file and claim it. Miss that window, and the refund is forfeited.Importantly, there's a difference between not filing and not paying. Sometimes you don't know what you owe—or if you owe—until you file.Even if you don't owe taxes on the sale of a primary residence, for example, the IRS won't know that unless you file. If you don't, you might receive a letter saying you owe thousands in capital gains tax—money you could've avoided paying.How to Begin the ProcessIf you're unsure how many years you've missed, a good first step is to request a Wage and Income Transcript from the IRS. This document shows all your reported income—W-2s, 1099s, Social Security, retirement distributions, and more. You can request it through the IRS website by searching for “IRS wage and income transcript.”Even with transcripts in hand, deciphering them can be complicated. That's why we strongly recommend seeking help from a CPA or tax professional familiar with IRS representation. You may not know what to do with what you find. You can find a Certified Kingdom Advisor (CKA) in your area who specializes in tax planning and preparation by going to FaithFi.com and clicking “Find a Professional”. Also, it's helpful to know that the IRS's own handbook, the Internal Revenue Manual, usually requires only the last six years of returns to be filed. That's a helpful limit for those unsure where to begin.The IRS Will Work With YouDon't let fear keep you stuck. The IRS can work with you. Options include payment plans or even an offer in compromise, which may reduce your total tax liability.Filing late taxes doesn't have to be terrifying. With the right help and a step-by-step plan, you can get back on track—and even experience peace of mind. The IRS just wants to see you trying. Start with today, and take it one step at a time.On Today's Program, Rob Answers Listener Questions:I have a TIAA retirement account from my husband's time as an adjunct professor at a local community college. It's a small amount. As I'm 76, I'm required to set aside a certain amount each year. I would like to give this to my son now so that those amounts can stay in the account and start accruing interest. Can I do that?We have a credit card balance of $15,000 with an interest rate of 11%. We try to pay $2,000 a month, but the balance keeps increasing. Part of the reason is that our 29-year-old daughter, who lives and works in London, has a card on our account. We initially gave her the card for emergencies and plane tickets home, but she's using it for other expenses, such as occasional Ubers and travel. We want to pay off this card, but we're making no progress. What can we do?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Kevin Cross (CPA)Internal Revenue Service (IRS.gov)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look 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! The invisible line between who you truly are and who "they" say you are determines everything about your financial freedom, legal standing, and generational wealth. In this eye-opening session, Don Kilam pulls back the curtain on how your name has been transformed into a business entity—specifically a "special purpose vehicle"—that pledges your assets against the national debt without your informed consent."Your name is the business," Kilam emphasizes repeatedly, revealing how the amalgamation of your birth certificate, identification documents, and Social Security information creates a separate legal entity that the government profits from. More importantly, he outlines the practical steps to reclaim control through private family structures like trusts, ministries, and legacy accounts.The distinction between the "natural you" that works for natural resources and the "corporate you" that chases paper money forms the foundation of this discussion. Kilam doesn't just identify the problem—he offers solutions, from establishing private contracts the government cannot interfere with to creating tax-exempt entities that preserve family assets across generations.What sets this teaching apart is Kilam's emphasis on implementation over theory. He breaks down complex concepts like the Alter Ego Doctrine, special purpose vehicles, and bankruptcy law into actionable insights. His advice ranges from practical land ownership strategies to establishing peace treaties between your private family and public institutions.Ready to transform your understanding of wealth, sovereignty, and generational legacy? Text PRIVATELIFE to 702-200-4900 or visit skool.com/donkilam to begin your journey into private family structures that stand the test of time.In "United States Of Pimpin'," Don Kilam shares his perceptions from his street culture to explain the corporate world in a way that may feel uncomfortable yet brutally honest. He outlines ten rules from the "pimp game" alongside ten principles that apply to society and governance. https://www.amazon.com/dp/B0F9QHGRGS FOLLOW THE YELLOW BRICK ROAD - DON KILAMGO GET HIS BOOK ON AMAZON NOW! https://www.amazon.com/Million-Dollars-Worth-Game-Kilam/dp/B09HQZNRB9 https://www.amazon.com/Cant-Touch-This-Diplomatic-Immunity/dp/B09X1FXMNQSupport the showhttps://donkilam.com

The key to unlocking Medicare and Social Security benefits for immigrants is gaining access to a Social Security number. 

Jeff Stoffer, Director of the American Legion's Media and Communications Division, joined the America's Work Force Union Podcast to discuss the Legion's century-long involvement in youth baseball, the consequences of a broken immigration system and the importance of America's global leadership. Lisa Cutler, Communications Director for the Alliance for Retired Americans, joined the America's Work Force Union Podcast to discuss the future of Social Security, potential Medicaid cuts in Congress and the ripple effects of healthcare policy changes on private insurance premiums.

This week's blogpost - https://bahnsen.co/4jYgcxO In this episode of the 'Thoughts On Money' podcast, co-host Blaine Carver and guest Darren Lightfoot delve into the intricacies of Roth conversions and the potential tax traps associated with them. Blaine shares personal anecdotes and explains why Roth conversions, despite their popularity, require careful consideration of several factors that go beyond simple tax bracket comparisons. They discuss how adjustments in adjusted gross income (AGI) and modified AGI (MAGI) can affect various aspects such as Social Security taxation, Medicare premiums, capital gains taxes, and eligibility for tax credits. Key insights are provided on navigating these hidden pitfalls and the importance of consulting with financial professionals for tailored advice. 00:00 Introduction and Host Welcome 00:38 Beach Story and Weather Analogy 02:50 Introduction to Roth Conversions 04:34 Detailed Tax Traps in Roth Conversions 08:18 Impact on Social Security and Medicare 12:12 Qualified Charitable Distributions (QCD) 14:50 Dividends, Capital Gains, and Tax Credits 18:20 Final Thoughts and Advice 24:01 Podcast Conclusion and Disclaimers Links mentioned in this episode: http://thoughtsonmoney.com http://thebahnsengroup.com

Janett Liriano, Venture-Backed founder with a political mindset and co-founder of INARU, joins to discuss the treasury releasing social security and Medicare Trustees Report.

Chuck Zodda and Mike Armstrong discuss the US preparing action to target allies chip plants in China. Social Security's finances erode further, risking benefits cuts. Auto tariffs could raise the price of vehicles up by nealy $2,000 per. Waymo wants to bring its Robotaxis to New York City. Rice prices skyrocket in May. Paul LaMonica, Barron's, joins the show to chat about Capital One and the rising fees on credit cards.

Lots to dig into in today's Red Meat episode, including Trump's victories over Gavin Newsom in California, the latest with Iran and Israel, troubles in Social Security, and an upbeat look at law enforcement heroes.

Lots to dig into in today's Red Meat episode, including Trump's victories over Gavin Newsom in California, the latest with Iran and Israel, troubles in Social Security, and an upbeat look at law enforcement heroes.

Lots to dig into in today's Red Meat episode, including Trump's victories over Gavin Newsom in California, the latest with Iran and Israel, troubles in Social Security, and an upbeat look at law enforcement heroes.

6/20/25: MTA Pres Max Page: More support needed for educ from Gov. Rep Lindsay Sabadosa on marijuana. Prof Austin Sarat: political violence, social security, & No Kings. FCCPR's Susan Triolo reports on recent & upcoming protests, e.g. Tristate Overpasses for Democracy. Donnabelle Casis w/ Ex Dir Britt Ruhe of Comm Murals on "Paint the Town" fundraiser.

The latest developments in the Israel-Iran conflict, and the evolution of President Trump's thinking on whether to involve the US. Plus, the Social Security trust fund is expected to run out of cash in eight years, unless Congress acts before then.Want more comprehensive analysis of the most important news of the day, plus a little fun? Subscribe to the Up First newsletter. Today's episode of Up First was edited by Roberta Rampton, Alex Leff, Jane Greenhalgh, Janaya Williams and Alice Woelfle. It was produced by Ziad Buchh, Claire Murashima and Christopher Thomas. We get engineering support from Stacey Abbott. And our technical director is Carleigh Strange. Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

The Supreme Court is staying busy with decisions. The High Court issued a 6-3 ruling on Wednesday in United States v. Skrmetti, upholding a Tennessee law that banned gender-affirming care for transgender minors. Leah Litman joins us to unpack what affect the court's ruling will have on Tennessee and a slew of other states across the country. Litman is the author of the recent NYT Best Seller "LAWLESS: How the Supreme Court Runs on Conservative Grievance, Fringe Theories, & Bad Vibes" and a host of Crooked Media's "Strict Scrutiny".And in headlines: Democrats refused to participate in a Senate Judiciary Committee hearing that looked into the mental fitness of former President Joe Biden, Medicare and Social Security's trust funds are running out of money, and President Trump is still deciding if the US will insert itself into the Israel-Iran conflict.Show Notes:Check out Leah's book – https://tinyurl.com/fz4yshmjCheck out Strict Scrutiny – https://www.crooked.com/podcast-series/strict-scrutiny/Subscribe to the What A Day Newsletter – https://tinyurl.com/3kk4nyz8What A Day – YouTube – https://www.youtube.com/@whatadaypodcastFollow us on Instagram – https://www.instagram.com/crookedmedia/For a transcript of this episode, please visit crooked.com/whataday

Growing anxiety among retirees over potential Social Security cuts and economic instability is prompting many to scale back spending and reconsider their retirement plans as policymakers debate the program's future. Today's Stocks & Topics: PRI - Primerica Inc., Market Wrap, IOT - Samsara Inc., APA - APA Corp., Retirees Fear for the Future of Social Security Amid Policy and Economic Uncertainty, T - AT&T Inc., GOOG - Alphabet Inc. Cl C, Retail Investors, Retirement Saving Plans, CFFN - Capitol Federal Financial Inc., 401k Rollover, Stablecoins.Our Sponsors:* Check out Ka'Chava and use my code INVEST for a great deal: https://www.kachava.com* Check out Progressive: https://www.progressive.comAdvertising Inquiries: https://redcircle.com/brands

If you want to earn a yield on your gold, check out https://www.monetary-metals.com/gammon/Whiteboard explaining monetary metals https://youtu.be/lw9crPfbAyI✅Check out my private, online investment community (Rebel Capitalist Pro) with Chris MacIntosh, Lyn Alden and many more for $1!! click here https://georgegammon.com/pro✅Rebel capitalist merchandise https://www.rebelcapitaliststore.com

President Donald Trump is weighing U.S. actions amid Israel and Iran's ongoing strikes. Plus, MAGA infighting grows on the issue. And there are risks for Trump of 'regime change' in Iran: Just ask George W. Bush.USA TODAY Supreme Court Correspondent Maureen Groppe breaks down the high court's move to uphold Tennessee's ban on transgender minors using puberty blockers and hormone therapy.The Social Security crisis is coming a year earlier than we thought.Karen Read has been acquitted of murder in the death of her police officer boyfriend.The FDA approves a new twice-yearly HIV shot.USA TODAY Chief Political Correspondent Phillip M. Bailey discusses the importance of Juneteenth and how some communities are marking the day.Let us know what you think of this episode by sending an email to podcasts@usatoday.com.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

President Trump turns up the heat on Iran with what he's calling the "ultimate ultimatum," as the U.S. reportedly considers military strikes. Plus, a financial alarm bell—new projections show the Social Security retirement trust fund could be depleted in less than a decade, putting future benefits at risk. And in a major shakeup in the sports world, could the Buss family really be selling the Lakers? Reports say Dodgers owner Mark Walter is eyeing a $10 billion deal. Sports broadcasting legend Fred Roggin joins us to break it all down.

Iran bombs hospital in Israel. Social Security insolvency moving up to 2033. Mike Tobin from Fox News joins Tony from Israel. Jasmine Crockett Masterpiece Theatre. Listeria outbreak linked to Kroger. CNN’s Harry Enten polling regarding the Big Beautiful Bill. Fed holding interest rates. Press asks Trump about raising the minimum raise. More national guard troops to LA. Karoline Leavitt: President Trump will make his decision on Iran in the next two weeks. Itai Biran Consul for Political and Economic Affairs in the Consulate. Joining Karoline Leavitt presser in progress. It’s not what Trump says, it’s what he does. Carlson vs Cruz. Newsom saying Trump is hurting them from fighting forest fires. WashPo’s Jonathan Capehart lies about Sen Padilla. XX XY’s Jennifer Say doesn’t want to have an HR dept at her company. Cynthia Nixon’s son is on a hunger strike in support for Gaza.See omnystudio.com/listener for privacy information.

Iran bombs hospital in Israel. Social Security insolvency moving up to 2033. Mike Tobin from Fox News joins Tony from Israel. Jasmine Crockett Masterpiece TheatreSee omnystudio.com/listener for privacy information.

Latest on Israel vs. Iran..."Three Things You Need to Know"....Social Security in trouble again...ex-USCG officer does something that warrants investigation.See omnystudio.com/listener for privacy information.

Thank you so much for listening to the Bob Harden Show, celebrating nearly 14 years broadcasting on the internet. On Thursday's show, we discuss the ill-conceived “artificial intelligence” exception to the Big Beautiful Bill with Co-Founder and CEO of the Florida Citizens Alliance Keith Flaugh. We visit with Cato Institute Director of Healthcare Policy Michael Cannon about the much-needed redesign of Medicare and Medicaid programs. We visit with Competitive Enterprise Institute Senior Economist Ryan Young about the Fed, jobs, wages and the financial peril of Social Security. We also visit with the former Mayor of Naples Bill Barnett. We have terrific guests scheduled for Friday's show including Senior Legal Fellow with the Pacific Legal Foundation William Yeatman, FEE.org's Producer Maggie Anders, Landmark legal Foundation Vice President Michael O'Neill, and Professor Larry Bell. Access this or past shows at your convenience on my web site, social media platforms or podcast platforms.

SEND ME A TEXT MESSAGE NOWMore madness as Israel and Iran exchange direct military strikes, with Donald Trump recklessly demanding Iran's "unconditional surrender" while hinting at U.S. military assistance. The real danger? A regional conflagration that could draw in multiple Middle Eastern powers and destabilize global oil markets. We need cooler heads and less ego from world leaders before this volatile situation explodes.Domestic troubles abound too. Utah Senator Mike Lee showed his true colors with shocking social media posts!Meanwhile, Social Security faces insolvency faster than thought. The warning signs are clear, yet partisan gridlock prevents solutions.Even disaster response is becoming politicized, with FEMA Administrator Kristi Noem creating dangerous bottlenecks by requiring all emergency funding to route thru her office.Question for you the Wolf Pack Listener.What would America feel if it were a person today? Call our voicemail at 833-399-9653 or email:aworldgonemadpodcast@gmail.com to share your perspective. Together, we can navigate these challenging times and work toward preserving our democracy despite the madness surrounding us.AWorldGoneMadPodcast@gmail.com

After nearly eight weeks of testimony, the jury in Karen Read's murder trial reached a verdict that made a crowd go wild outside the courthouse. President Donald Trump says he's still weighing his options on helping Israel strike Iran. Specialized services for LGBTQ+ youth in crisis will soon go away. Revenue to cover Social Security benefits is on shaky financial ground. Plus, a major breakthrough in the fight against HIV. Learn more about your ad choices. Visit podcastchoices.com/adchoices

This mid-week episode is the recording of a session done with the smart women of the WE (Women Empowered) Wealth Collective, titled: What Every Woman Should Know About Minimizing Taxes in Retirement. ‘Catching Up to FI' co-host and author of ‘F.I.R.E for Dummies', Jackie Cummings Koski, CFP®, AFC®, continues through an easy to follow checklist of tax considerations in retirement. She demo-drives 72(t) and RMD calculators, live-shops the ACA site to score premium tax credits, and shows how Medicare surcharges work.  Topics for the series include: Age-band tax checklist (pre-55, 55-65, 65-75, 75+) Separating "macro" worry (markets, policy) from micro action (what you control) Early withdrawal strategies  (Rule of 55/50, 72(t) / Equal Payments, HSAs, Affordable Care Act/Tax Credits, Brokerage Accounts, ect) Tax Minimizing tips during normal retirement (Social Security, Medicare Surcharge, Increased Standard Deduction, Balancing account types) Later in life considerations (RMDs, Qualified Charitable Distribution, Inheritances, ect)   This is the second part of a two-part series and part 1 aired last Wednesday. This session references visuals from a presentation that is better viewed on youtube or you can follow along using this slide deck.   Disclaimer for this session: The intent of this session is open discussion about money topics that makes us all a little smarter. The content is for general education and information purposes only, and is not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.  

“The wicked borrow but do not pay back, but the righteous is generous and gives.” – Psalm 37:21When someone owes you money and doesn't repay it, emotions can run high—frustration, hurt, and even resentment. Whether it's a friend, family member, or fellow believer, unpaid debt can strain even the strongest relationships. So, how should we respond when repayment never comes? Let's explore that together.Start with CompassionIt's natural to assume the worst when someone avoids repaying a debt. But Scripture calls us to pause and lead with understanding.“Whoever is slow to anger has great understanding, but he who has a hasty temper exalts folly.” – Proverbs 14:29The person who owes you might be experiencing genuine hardship, such as job loss, medical emergencies, or family struggles. Begin by asking how they're doing. Show empathy. Offer flexibility, if possible, such as a revised payment plan. This can foster honest dialogue and reflect Christ's love in action.Before confronting the situation, pray. Ask God for wisdom, peace, and soft hearts on both sides. When you enter the conversation with prayerful humility, your response becomes a witness, not just a reaction.Follow Biblical Steps for ConflictIf the debtor is a fellow believer and continues to avoid the issue, Jesus outlines a redemptive process in Matthew 18:Speak privately to them.If unresolved, bring one or two others.If the issue remains unresolved, involve the church leadership.The goal isn't shame—it's restoration. Seek truth and preserve the relationship, creating a path forward instead of building a wall.Should Christians Ever Take Legal Action?In 1 Corinthians 6, Paul warns believers not to sue one another over civil matters, saying, “Why not rather be wronged?” Unity and love matter more than financial recovery. However, this doesn't mean legal action is never appropriate.If fraud, abuse, or serious legal injustice is involved, Romans 13 affirms that civil authorities exist to uphold justice. Seeking legal recourse in these situations may be necessary, especially if livelihoods are at stake. Just be sure your motivation is fairness, not revenge.The Bigger PictureRegardless of the outcome, Jesus commands us to forgive:“Whenever you stand praying, forgive, if you have anything against anyone…” – Mark 11:25Forgiveness doesn't ignore the debt—it chooses not to hold bitterness. Sometimes it leads to repentance; other times, it simply frees your heart.Unpaid debt is frustrating—but temporary. Relationships, witness, and Christlike character endure. Ask not only, “How can I get this money back?” but “How can I reflect Jesus in this moment?” Generosity and forgiveness point to a Savior who forgave us when we had nothing to repay.Want to Go Deeper?This topic is explored further in our Faithful Steward magazine. You can receive each quarterly issue by becoming a FaithFi Partner—just $35/month or $400/year at FaithFi.com/Give. Your support helps equip more believers for faithful stewardship.On Today's Program, Rob Answers Listener Questions:I'm in my 50s and want to buy a house. I have money saved for a down payment, but I'm unsure about two things. First, should I continue saving for a larger down payment or buy now with the money I have? Second, I want a mortgage, but I would like to know whether I should choose a shorter or longer mortgage term. I'm 54 years old, so I'm thinking about my timeline for paying off the mortgage.My brother and sister had a trust together with three houses. My sister has since passed away, and my brother is still alive. The trust already has money in it, and my brother is thinking about selling one of the houses. I would like to know: Does the money from the house sale have to be returned to the trust, or can my brother keep it?I'm about to start Social Security at my full retirement age in two months. My wife is considering taking Social Security at age 62. My question is about what happens if I pass away before her. If she's already receiving a reduced spousal benefit, will she then get 100% of my benefit at the new reduced amount, or will she be stuck with the same reduced percentage?My wife and I have a local revocable trust with property and investments. We're considering relocating to an Illinois senior living facility. I'm concerned: Will the state have any way to access our money and property?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look 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.

Think your taxes will drop in retirement? Not always. Jake and Cory reveal how Required Minimum Distributions, taxes on Social Security, and IRMAA can trigger a retirement tax time bomb. Help defuse it by learning about Roth conversions, smart withdrawals, and tax-efficient planning. Real stories, practical tips, and a clear framework to help you retire with more of your money. --------------- Complimentary tax guide and more: https://bit.ly/45pkE53   Subscribe to our weekly newsletter: https://bit.ly/43RcVve   Contact our team: https://bit.ly/43wksOJ   Order Jake's Amazon best-selling book ‘Retiring Right': https://bit.ly/4mD2EKw    --------------- Upticks is your podcast for financial planning insights. Hosted by Jake Falcon, CRPC™ and Cory Bittner, CRPC™, who discuss the philosophy of wealth management, exploring tailored retirement plans, tax planning, and timely industry topics. Join us for concise, understandable discussions that help empower your financial literacy. --------------- Connect with Jake Falcon, CRPC™         https://www.facebook.com/jake.falcon.524         https://www.instagram.com/jake_falcon_crpc/?hl=en         https://twitter.com/jakefalconcrpc         https://www.linkedin.com/in/jakefalconfalconwealthadvisors     #retirementplanning #taxstrategies #rothconversion #financialfreedom #requiredminimumdistributions #socialsecuritytax #medicareplanning #taxefficientinvesting #retirementtaxes #wealthmanagement

My client had the best Medicare insurance available at a very small cost, but decided to drop Part B and her Medicare supplement for over a year while waiting for Social Security enrollment. Bad move! She has been diagnosed with atrial fibrillation. She now must wait until next year to re-enroll in Part B and she may never qualify to get her great supplement again. We started this episode by detailing some of the employee layoffs that at least 18 insurance companies must endure due to uncontrolled expenses. This apparently includes 30,000 to be terminated from United Health Group, the largest health insurance company of them all. In the "Your Medicare Benefits 2025" segment, we learn how Medicare covers Kidney Disease Education for those suffering from those afflictions. Finally I give a short history of the origins and a couple of the quirks of Part D prescription drug plans.      Contact me at: DBJ@MLMMailbag.com (Most severe critic: A+)                   Visit us on: BabyBoomer.ORG Inspired by: "MEDICARE FOR THE LAZY MAN 2025; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers. Official website: https://www.MedicareForTheLazyMan.com.

Did you know that Social Security has an online portal? Outreach Coordinator Dana Hentschel speaks with Public Benefits Specialist Tyler McCullar about this portal, how to create an account, and why everyone (even those under 65) should have an account.

Nationally syndicated financial columnist and author Terry Savage joins John Williams to talk about a new report that shows the Social Security retirement trust fund may be depleted in less than a decade, what needs to be done to fix Social Security, and her thoughts on Fed Chair Powell’s interest rate decision. And as always, Terry answers all […]

What do today's tax policies really mean for the future of Social Security and retirement? Economist Teresa Ghilarducci joins Josh to break down a wave of new proposals, including the Trump-backed MAGA accounts and tax cuts on tips and Social Security income. Together, they dig into what these changes signal for long-term economic stability, especially for working families and retirees. The two cover the unraveling crisis in long-term care, the decline of sustainable retirement plans, and how Medicaid struggles to fill the gaps. Teresa shares her perspective on the shift away from defined benefit pensions, the rise of 401ks, and why America's aging population demands a new approach to policy. Can't get enough of The Financial Quarterback? Click ‘Subscribe' so you never miss a play. If you're enjoying the show, leave a 5-star rating and drop a review—it helps keep the game going. For more on Teresa's work, visit her faculty page at The New School and explore her research at the Schwartz Center for Economic Policy Analysis.

The Supreme Court allowed the 20-somethings at DOGE to access your Social Security information. What's the worst that could happen?If you're not a 5-4 Premium member, you're not hearing every episode! To hear this and other Premium-only episodes, access to our Slack community, and more, join at fivefourpod.com/support.5-4 is presented by Prologue Projects. This episode was produced by Dustin DeSoto. Leon Neyfakh provides editorial support. Our researcher is Jonathan DeBruin, and our website was designed by Peter Murphy. Our artwork is by Teddy Blanks at Chips NY, and our theme song is by Spatial Relations. Transcriptions of each episode are available at fivefourpod.com Follow the show at @fivefourpod on most platforms. On BlueSky, find Peter @notalawyer.bsky.social, Michael @fleerultra.bsky.social, and Rhiannon @aywarhiannon.bsky.social. Hosted on Acast. See acast.com/privacy for more information.

Ralph and Alice in Monument, Colorado have $4.6 million dollars saved at ages 63 and 58. Should they do Roth conversions? How do they avoid IRMAA? Mary Jo in Escondido, California wonders if she should use her 403(b) money to pay off her mortgage. And Lucas plans to spend from his brokerage, then his 401(k), then his Social Security and pension when he retires in 20 years. What do Joe and Big Al think of his strategy? Find out today on Your Money, Your Wealth® podcast 534. Free financial resources & episode transcript: https://bit.ly/ymyw-534 DOWNLOAD the Key Financial Data Guide DOWNLOAD The Retirement Readiness Guide Watch Is There a Formula for Retirement? on YMYW TV ASK Joe & Big Al for your Retirement Spitball Analysis SCHEDULE your Free Financial Assessment SUBSCRIBE to YMYW on YouTube DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter Timestamps: 00:00 - Intro: This Week on the YMYW Podcast 00:55 - We're 63 and 58 With $4.6M Saved. Should We Do Roth Conversions? Can We Avoid IRMAA? (Ralph & Alice, Monument, CO - voice) 11:51 - Watch Is There a Formula for Retirement? on YMYW TV, Download The Retirement Readiness Guide for free 12:59 - Should I Use My 403(b) Pay Off My Mortgage? (Mary Jo, Escondido) 16:48 - Brokerage to 401(k) to Social Security and Pension: Good Income Strategy for Retirement in 20 Years? (Lucas) 26:33 - YMYW Podcast Outro

Don and Tom tackle the behavioral trap of “home bias” in investing—why U.S. investors tend to overinvest domestically and why it's dangerous. They compare global fund allocations across countries, poke fun at nationalist investing instincts, and explain why international diversification is essential. Listener calls cover early Social Security regret, 72(t) withdrawals, covered calls on Palantir, and what happens to target date funds after they “expire.” 1:52 Home bias explained: Americans (and Australians) overweight U.S. stocks 2:58 U.S. vs global stock market value debate 3:42 Fund companies pander to investor bias 4:14 Vanguard Australia fund: 42% Aussie stocks?! 5:25 Why home bias hurts—Australia's 25% bank exposure 6:26 Dimensional and Avantis global tilt: 70% U.S. 7:52 Long-term global diversification reduces volatility 8:17 The 2000s: Global funds outperformed U.S. funds 9:21 Call: Donna in AZ – Regret over early Social Security filing 11:29 Don confesses he took his at 69: “I'm weak” 12:02 Donna's still in great shape—no panic needed 13:04 Timing Social Security: Only critical if it's most of your income 14:45 Emotional investing vs logic—why home bias persists 15:51 Japan: Home bias disaster, zero returns since 1990 16:07 Call: Kyle in TX – 72(t) withdrawals and bond reluctance 18:21 Tom explains why bonds matter when pulling from a shrinking stock portfolio 19:51 Call: Jason the Tesla Bull – Covered calls on Palantir 21:15 Covered call mechanics explained 23:14 Don's 1980s crash story: When covered calls fail 24:14 Covered calls appeal to greed, often backfire 25:20 Palantir's PE ratio? Try 1,058—yikes 26:30 Meme stocks vs megacaps: Palantir's government dependency 27:05 Call: John in OH – Fidelity fee confusion update 28:16 John's advisor can't see the same statements—sus? 30:32 Make sure to bring statements and get written answers 31:29 Don's birthday, Father's Day gripes, and Twain wisdom 32:22 Call: Elizabeth in SC – What happens to a 2010 target date fund? 33:37 Vanguard 2010 funds merge into 70/30 “retirement income” fund 35:14 Performance? ~5% annualized—above inflation Learn more about your ad choices. Visit megaphone.fm/adchoices

If you're one of the 1.9 million people who still get a paper tax refund check from the federal government, you will need to make a change in the coming months. It's the same for those who still count on Social Security checks in the mail rather than electronic direct deposit. A presidential executive order requires those and other transactions by the federal government to go completely electronic by September 30. The White House claims paperless transactions will save taxpayers as much as $657 million. At the same time, it poses a significant challenge for the high percentage of Native Americans who choose not to utilize conventional banks.

“All his days are full of sorrow, and his work is a vexation. Even in the night his heart does not rest. This also is vanity.” — Ecclesiastes 2:23That verse from Ecclesiastes reveals a painful truth: even a productive life can feel empty when the wrong purpose drives our work. Wealth on its own doesn't bring peace—often, it brings more pressure. But Scripture offers a better way.What's Driving All That Effort?It's easy to admire someone who plans wisely, saves consistently, and builds steadily over time. Our culture praises that kind of discipline as responsible and virtuous—and often, it is. But Ecclesiastes challenges us to ask: What's driving all that effort?In Ecclesiastes 2:18, the Preacher writes, “I hated all my toil... seeing that I must leave it to the man who will come after me.” He isn't condemning hard work—he's grieving that all he's built will one day be handed off, possibly to someone who won't value or steward it well.That's where sorrow begins—not in failure, but in success without peace. “All his days are full of sorrow, and his work is a vexation. Even in the night his heart does not rest” (Ecclesiastes 2:23). The more we accumulate, the more we fear losing it. What promised security only multiplies anxiety.What a striking image—someone lying awake at night, not from failure, but from success. The more he possesses, the more he worries. This is the irony of accumulation: it convinces us that security is just one more achievement away, while quietly making us more anxious the more we gain.Jesus' Warning About Bigger BarnsJesus echoes this same warning in Luke 12. He tells the parable of a rich man who reaped such a bountiful harvest that he decided to build bigger barns to store it all. His conclusion? “Take life easy—eat, drink, and be merry.” To the world, that sounds like winning. But Jesus calls him a fool. Why? Because that very night, his life would be demanded of him. Then comes the haunting question: “The things you have prepared, whose will they be?”What's even more interesting is the context of that parable. Jesus tells it in response to a man asking Him to settle an inheritance dispute. This wasn't someone who earned the wealth—he simply wanted his share, and maybe more. Jesus' warning is clear: a greedy heart isn't the only danger. An entitled heart is just as spiritually destructive. And that's exactly what the Preacher feared in Ecclesiastes—wealth falling into the hands of someone who didn't labor for it and may not know how to handle it wisely.We see this all the time in real life. Many financial advisors and estate planners will tell you that inherited wealth, especially when passed down without spiritual or emotional maturity, can do more harm than good. It can fracture families, distort priorities, and erode purpose. The problem isn't money itself, it's the absence of wisdom alongside it.A Better Definition of SuccessThat's why this lesson matters. You can save well, build wealth, and still feel anxious and unsatisfied—not because you failed, but because you expected your efforts to give you what only God can: peace, joy, and purpose.But here's the good news—Ecclesiastes doesn't leave us in despair. In verse 26, we read, “To the one who pleases Him, God has given wisdom and knowledge and joy.” The solution isn't to stop working or saving. The solution is to stop worshiping our work. Stop defining success by the size of your bank account and start defining it by your faithfulness to the One who owns it all.When we live as stewards instead of owners, the pressure lifts. We begin to see wealth not as a prize to secure our future, but as a tool to serve God's Kingdom. Accumulation loses its grip, and generosity takes root. That's when real joy begins.So, ask yourself today: Am I building bigger barns, or am I faithfully stewarding what God has already entrusted to me? Am I chasing peace through my possessions, or receiving it from the Prince of Peace Himself?Because in the end, peace doesn't come from what we've earned. It comes from who we trust.A Resource to Go Deeper: Wisdom Over WealthNow, if you're wrestling with these questions, we'd love to help. That's why we're excited to offer our brand-new Bible study based on Ecclesiastes called Wisdom Over Wealth. It dives deeper into this theme of dethroning the idol of accumulation and learning to live with contentment and purpose.This month, when you support the ministry of FaithFi with a gift of $35 or more, we'll send you Wisdom Over Wealth as our way of saying thank you. Just head over to FaithFi.com/wisdom to request your copy.On Today's Program, Rob Answers Listener Questions:I bought a house a year ago, and my primary goal is to pay off the mortgage as quickly as possible. I'm wondering if I should pause my 15% retirement contributions to accelerate my debt payoff goal or continue contributing to retirement while also working towards being debt-free.I want to understand the right markup for my business. I'm an electrician. What would be a reasonable general number for a company like mine to ensure I'm covering my costs and generating a profit?I opened a Roth IRA because I don't have to make required minimum distributions. When my children inherit my Roth IRA, do they have to make withdrawals? I want to understand the inheritance.I'm wondering about the $8,000 maximum Roth IRA contributions for those over 50. Is the $150,000 income limit based on my income alone or my combined income with my wife?I'm considering retiring at 65 even though my full Social Security retirement age is 67. If I live off my 401(k) for 2 years and don't register for Social Security, will my benefits continue to grow?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Movement MortgageSocial Security Administration (SSA.gov)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look 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.

Wondering if you are behind on your retirement plan? You are probably more prepared than you think and these 18 signs are good indicators!

In this week's podcast, I break down 5 great questions we have either fielded directly in our practice, or have observed in the marketplace from retirees/near retirees.  Shoutout to Roberto for this concept, and if it goes well, we'll be doing these every 4-5 episodes!  In this edition, the 5 questions we'll tackle are:

Welcome to the ENT!Join this conversation with financial advisor, Chad Harmon, partner with A&I Wealth Management. Learn about what it takes to be successful in business, a few personal stories, and a great introduction to a key person in the A&I team. Learn about the culture here, and how the firm we attract talented young talent. What are the key values that determine the goals? How can our listeners deliver this in their own firms? Future workforce, learn about what we see in the future for the industry, the profession, the markets and more. Finally, what is the big financial mistake and how can we avoid it?——As a quick reminder, the Expert Network Team provides free consultations. We would love the opportunity to be of service to you or someone you care about. Just scroll the liner notes to contact one of our experts or today's guest. And please share this podcast with anyone who you think might find it interesting.As always, it is good to have an expert on your side.— Our guest:Chad HarmonPartner, A&I Wealth Management(303) 690.5070chad@assetsandincome.com Expert Network team provides free consultations. Just mention that you listened to the podcast. Nathan Merrill, attorneyWorking with affluent families and entrepreneurs in implementing tax-efficient strategies and wealth preservationGoodspeed, Merrill(720) 473-7644nmerrill@goodspeedmerrill.comwww.goodspeedmerrill.com Jeff Krommendyk, Insurance ExpertWorking with business owners and successful families in transferring riskOne Digital Insurance Agency(303) 730-2327jeff.krommendyk@onedigital.com Karl FrankFinancial planner helping a small number of successful families grow and protect their wealth and choose how they want to be taxedCERTIFIED FINANCIAL PLANNER™A&I Wealth Management(303) 690.5070karl@assetsandincome.com Webcasts, Podcasts, Streaming Video, Streaming AudioA&I webcasts, podcasts, streaming video, or streaming audios are provided free of charge solely for use by individuals for personal, noncommercial uses, and may be downloaded for such uses only, provided that the content is not edited or modified in any way and provided that all copyright and other notices are not erased or deleted.All webcasts, podcasts, streaming video, or streaming audios are subject to and protected by U.S. and international copyright laws and may not be sold, edited, modified, used to create new works, redistributed or used for the purpose of promoting, advertising, endorsing or implying a connection with A&I.A&I reserves the right, at any time and for any reason, to stop offering webcasts, podcasts, streaming video, or streaming audios and to stop access to or use of webcasts, podcasts, streaming video, or streaming audio and any content contained therein A&I shall not be liable for any loss or damage suffered as a result of, or connected with, the downloading or use of the webcasts, podcasts, streaming video, or streaming audios. A&I Wealth Management is a registered investment adviser that only conducts business in jurisdictions where it is properly registered, or is excluded or exempted from registration requirements. Registration as an investment adviser is not an endorsement of the firm by securities regulators and does not mean the adviser has achieved a specific level of skill or ability. The firm is not engaged in the practice of law or accounting.The information presented is believed to be current. It should not be viewed as personalized investment advice. All expressions of opinion reflect the judgment of the presenter on the date of the podcast and are subject to change. The information presented is not an offer to buy or sell, or a solicitation of any offer to buy or sell, any of the securities discussed. You should consult with a professional adviser before implementing any of the strategies discussed. Any legal or tax information provided in this podcast is general in nature. Always consult an attorney or tax professional regarding your specific legal or tax situation.

Tax gain harvesting is one of the most underused but powerful strategies available to early retirees and those pursuing financial independence. In this episode, we explore how it works, who it's best suited for, and how it can help reduce long-term tax liability.Unlike tax loss harvesting, which involves selling investments at a loss to offset gains, tax gain harvesting is about intentionally realizing gains when you're in a low or zero percent tax bracket—allowing you to reset your cost basis without triggering federal tax in certain situations.This strategy is most effective in taxable brokerage accounts and is typically not applicable to retirement accounts like IRAs or 401(k)s. It tends to work best in years where your income is lower, such as early retirement or transition periods before drawing Social Security.Even with additional income from dividends or part-time work, many people can still benefit from this approach. However, it's important to consider potential state tax implications as well.We'll break down how tax gain harvesting fits into a broader retirement tax strategy, what makes someone a good candidate, and how to use it thoughtfully as part of your long-term financial plan.- 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 your CPA or attorney 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 endorsements.Participation 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 Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.