Podcasts about social security

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

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

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

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

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

Ever wonder if there's more to wealth than flashy cars and mansions? In this episode, Matt Allgeyer and Kyle Jones lift the curtain on the real habits of America's quietly successful retirees—the ones you'd never guess have seven digits in the bank. From wig-filled office holiday parties to stories that redefine what “living in paradise” can mean, you're in for a ride that's equal parts entertaining and enlightening. The guys share a roadmap that's not about living in the headlines, but about living well—and on your terms.Curious how the truly wealthy stay under the radar while their bank accounts grow? Ready to find out why the most valuable thing you can buy isn't a Porsche, but time itself? This episode isn't another lecture on penny-pinching or investment jargon. It's packed with surprising stories, insider strategies, and the little habits that just might change the way you think about your own retirement journey. Fasten your seatbelt and tune in—you never know what twist is around the corner on Your Retirement Highway!Join Matthew Allgeyer and Kyle Jones as they dive into the crucial issues shaping your retirement. In this episode of Your Retirement Highway, our hosts discuss a key retirement topic, sharing expert advice, actionable strategies, and experiences that matter. From taxes and Social Security to long-term care and market volatility, they cover what you need to know to chart your retirement course with clarity and confidence.

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

A special holiday crossover with The Bang-Bang Podcast! Van Jackson and Lyle Rubin are joined by the preeminent nuclear scholar Scott Sagan to discuss A House of Dynamite, the 2025 political thriller that imagines nuclear catastrophe not as spectacle or obvious madness, but as an orderly sequence of decisions made under crushing time pressure. Structured as interlocking vignettes rather than a single command-room drama, the film moves between the White House, STRATCOM, missile defense sites, continuity bunkers, and civilian spaces, sketching a system that largely works as designed and still produces annihilation.The film's opening establishes its governing logic. Inclination is flattening. Timelines shrink. Judgment collapses into procedure. “Nineteen minutes to impact.” “Sixteen minutes.” “Confirm impact.” Across locations, professionals do their jobs calmly while the meaning drains out of their actions. A senior officer tells a junior colleague to keep the cafeteria line moving. A staffer compiles names and Social Security numbers for the dead. Phones come out. Final calls are made. The end of the world arrives not with hysteria, but with etiquette.Much of the tension turns on probability. Missile defense is described as “hitting a bullet with a bullet.” Sixty-one percent becomes the moral threshold, a coin toss bought with billions of dollars. Baseball chatter at STRATCOM blends into DEFCON alerts. A Civil War reenactment at Gettysburg unfolds alongside real-time catastrophe, collapsing past and present forms of American mass death into a single frame.Scott is critical of the film's portrayal of nuclear command and control. He argues that its depiction of retaliatory decision-making is wrong, that no president would order nuclear strikes against loosely defined adversaries without firm attribution or confirmation, and that the film risks backfiring by encouraging faith in ever more elaborate missile defenses rather than disarmament. Lyle pushes back, questioning whether this confidence in institutional sanity is warranted, especially given the political moment. Either way, the film lands a disturbing insight. The danger is not wild irrationality, but systems that normalize impossible choices. Nuclear war here would not look like collapse. It would look like competence.Further ReadingScott's Wiki page“Just and Unjust Nuclear Deterrence” by ScottThe Limits of Safety: Organizations, Accidents, and Nuclear Weapons by Scott“Thinking and Moral Considerations” by Hannah ArendtReview of A House of Dynamite in Bulletin of Atomic Scientists by Scott and Shreya Lad“Peacecraft and the Nuclear Policy Dilemma” by Van“Fresh Hell: Unjust Nuclear Deterrence and Nuclear Testing” by Van

Teachers who collect a pension, Social Security, and draw income from a non-Roth retirement account may face an additional Medicare tax. Lucretia Ryan of Financial Freedom for Women breaks it all down. Why Am I Paying an Additional Medicare Tax? Financial Freedom for Women More Dirty Little Secrets of Medicare "Advantage" (YouTube) Dirty Little Secrets of Medicare "Advantage" Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®).

Are primaries unconstitutional? This is the point Adam Holley intends to make with his case filed against the Oklahoma Secretary of State and the Oklahoma State Election Board. This case is now heading to the U.S. Supreme Court.  In the meantime, he has filed a second case challenging State Question 836 which seeks to establish an open primary in Oklahoma.  Find out how and why Adam is going to such great lengths to make this very consequential point concerning primary elections.      And check out my amazing sponsors!    Motus Health - (405) 494-0165  https://motushealth.com   This is where my wife and go for a reason!  They offer the best in chiropractic care and true functional medicine.   They are currently helping people who may be suffering with: Neuropathy Frozen shoulder Degenerated & Herniated Discs TMJ & jaw pain Weight Loss Autoimmune Disorders Gut Health Fibromyalgia Headaches & Migraines Trigeminal Neuralgia Knee Pain And more!! https://motushealth.com     Michael Mcguire with McGuire Capitol "Your confident financial future starts here!" Michael prides himself on providing retirement income strategies to Bethany, OK and the surrounding communities. He will take a look at your assets — including everything from your bank accounts, pension, and Social Security benefits, to your estate plans, wills, taxes, insurance policies and more. His end goal is to help create financial clarity and to promote multi-generational wealth. He offers: Insurance planning Beneficiary review Retirement planning Financial needs analysis Analysis of present and future expenses Income planning  https://mcguirecap.com   Stevens Trucking Stevens Trucking maintains over 350 power units in our fleet so we ensure our customers and drivers always have top of the line equipment With over 1,600 trailers, we are able to offer a drop-and-hook solution to keep your freight moving quickly and secure. While also helping our drivers get extra miles so they can keep on pullin' more loads. https://stevenstrucking.com

Looking for clear context around today's most talked-about retirement planning issues? In this episode of the Retire Sooner Podcast, Wes Moss and Christa DiBiase present an educational discussion covering healthcare planning, retirement income considerations, Social Security decisions, and how current economic conditions are commonly framed in retirement conversations. • Review current healthcare enrollment periods, including Affordable Care Act considerations, and why coverage timing is often discussed by early retirees. • Illustrate a real-world healthcare planning example that examines estimating and managing medical costs before age 65 using publicly available comparison tools. • Explain recent healthcare policy changes by outlining how subsidy rules and updated federal poverty thresholds are referenced in retirement healthcare planning. • Contextualize recent Federal Reserve rate cuts by discussing how interest-rate changes are typically viewed in relation to mortgages, housing activity, and broader economic conditions. • Address listener questions by outlining commonly discussed considerations around retirement timing, asset allocation approaches, principal-protected notes, and early retirement trade-offs. • Compare Social Security claiming considerations by reviewing trade-offs associated with different filing ages based on individual circumstances. • Clarify how taxable, tax-deferred, and tax-free accounts are often viewed together when discussing overall portfolio allocation. • Share perspectives from retirees on aligning lifestyle goals—such as travel, part-time work, or relocating abroad—with sustainable withdrawal planning discussions. • Reinforce why significant financial and healthcare decisions are commonly reviewed with qualified professionals before implementation. Interested in an educational retirement podcast focused on context, trade-offs, and long-term planning awareness? Listen to this episode and subscribe to the Retire Sooner Podcast for ongoing conversations designed to inform retirement planning decisions—not predict outcomes. Learn more about your ad choices. Visit megaphone.fm/adchoices

Every Christmas season, A Christmas Carol returns to our screens and pages as a story of generosity, redemption, and hope. But beneath the familiar narrative, Charles Dickens was also making a powerful argument—one that challenges how society views the poor, children, and human worth itself.In today's Christmas episode of Faith & Finance, we sat down with Jerry Bowyer, our resident economist and president of Bowyer Research, to explore the deeper economic and theological message Dickens embedded in this classic tale.The Meaning Behind “Surplus Population”One of the most disturbing lines in A Christmas Carol comes from Ebenezer Scrooge, who suggests that the poor might be better off dying to reduce the “surplus population.”Jerry explained that this phrase wasn't casual or poetic—it was loaded with meaning in Dickens' day. It reflected the influence of Thomas Malthus, an economist whose ideas shaped early 19th-century thinking. Malthus believed population growth would always outpace food and resources, making widespread poverty inevitable. His conclusion? Society should discourage the poor from having children.Dickens deliberately places this language in the mouth of his villain. Scrooge isn't just cruel—he's the embodiment of a philosophy that treats people as economic problems rather than human beings made in God's image.Jerry noted that Dickens was, in effect, writing A Christmas Carol as a rebuttal to Malthus.By the time Dickens wrote the story, Britain was entering what economists now call the Great Takeoff—a period of unprecedented growth in productivity, trade, and human flourishing. Malthus had predicted catastrophe just before abundance exploded.Dickens highlights this abundance through scenes overflowing with food, trade goods, and celebration. The message is clear: people don't merely consume resources—they create them.Scarcity, Trauma, and Scrooge's PastDickens doesn't excuse Scrooge's cruelty, but he does explain it. Through the Ghost of Christmas Past, we see a lonely boy shaped by hunger, cold, and deprivation.Jerry pointed out that Scrooge's scarcity mindset is rooted in trauma. His fear of lack leads him to believe that God—if He exists at all—is stingy. That fear shapes his economics, his relationships, and his resistance to generosity.The turning point comes when Scrooge encounters the Ghost of Christmas Present. When told the spirit has over 1,800 brothers—each representing a Christmas—Scrooge responds, “What a large family to provide for.”It's another glimpse of his scarcity thinking. And it draws sharp rebuke.Jerry emphasized that Dickens is confronting the idea that more people mean less provision. In contrast, Scripture reveals a God who is generous, creative, and abundant—and who commands humanity to fill the earth, not fear it.No One Is DisposableBy the end of the story, Scrooge is transformed. He becomes generous, relational, and deeply concerned for others—especially children like Tiny Tim.Jerry observed that in a Malthusian worldview, Tiny Tim is expendable. But Dickens—and the gospel—say otherwise. There are no surplus people.Even Jesus Himself, Jerry noted, would have been classified as “surplus population” by such a system—born poor, dependent, and unwanted by the powerful.The language may have changed, but the ideas persist. Whenever society treats children as burdens, the poor as problems, or human life as expendable in the name of efficiency or sustainability, we are hearing echoes of Scrooge before his redemption.Dickens reminds us that economics is always moral—and theology always shapes how we view people.Watching With New EyesAs Jerry put it, A Christmas Carol isn't just a holiday story. It's a challenge to scarcity, fear, and dehumanization—and an invitation to generosity rooted in trust.As families watch this story together, it becomes a powerful opportunity to talk with our children about God's abundance, human dignity, and what it truly means to love our neighbor.Because the real miracle of Christmas isn't simply changed behavior—it's a changed heart.On Today's Program, Rob Answers Listener Questions:I have a substantial amount of savings sitting in the bank and want to protect it from inflation. I live primarily on Social Security, have no debt or investments, and need to keep some funds available for emergencies. What's a wise way to invest the rest?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)The Life of Our Lord: Written for His Children During the Years 1846 to 1849 by Charles DickensA Christmas Carol by Charles DickensThe Sound Mind Investing Handbook: A Step-by-Step Guide to Managing Your Money From a Biblical Perspective by Austin Pryor with Mark BillerThe Maker Versus the Takers: What Jesus Really Said About Social Justice and Economics by Jerry BowyerWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Most people never talk about the retirement income gap — the difference between what you think you'll need and what you actually have saved, and that's exactly why most retirements fall short.Using disciplined retirement strategies like dollar cost averaging and optimizing employer matches can dramatically improve your long-term success.FREE 15-minute call: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtubeNewsletter: https://cdfinancial.com/newsletterSocials:Instagram: https://instagram.com/cdfinancial.llc/Facebook: https://facebook.com/cdfinancialLinkedIn: https://linkedin.com/company/cd-financial

The playbook that showers the rich, spikes the debt, then demands you sacrifice Social Security and healthcare…See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

If you're paying attention, you know that Americans have struggled for years to save for retirement. Now, the worst retirement crisis in history is here, and it's no longer just about money. On this episode of Investing in Real Estate, we're going to unpack the systemic issues that have led us to this point, and how you can create a better future for yourself.  We're going to talk about the future of Social Security and the problems with popular retirement accounts. You're also going to hear the latest statistics on the state of retirement across the country, real solutions for everyday Americans, and the importance of generating income into your retirement years. 

Catching Up to FI co-host, Jackie Cummings Koski crosses over to Andy Panko's 'Retirement Planning Education' podcast for a funny, deeply practical masterclass on what FIRE really is (and what it isn't). Jackie is single-mom late-starter, FIRE for Dummies author, and "I retired but I'm still busy" money nerd. She rewinds her journey of retiring before 50 and walks Andy (and listeners) through: How she hit a ~$1M FI number with ~$40K annual spending Managing healthcare premiums by understanding how ACA subsidies really work Tapping her pre-tax IRA before 59.5 using 72(t) without blowing herself up Qualifying for ex-spouse Social Security benefits Medical tourism in Bali funded by her HSA Why most 401(k) menus are quietly sabotaging regular people They finish with Jackie's second act: two books, a CFP, a master's in financial planning & financial therapy, and co-hosting Catching Up to FI to help late starters realize it's not too late.     DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS:   Monarch Money The modern way to manage money! Monarch will change the way you organize your financial life. Track, budget, plan, and do more with your money – together. Get 50% off the first year using this link and entering code: CATCHINGUP50   Alloy The Alloy Market offers a seamless and efficient way to sell your gold, silver, and platinum jewelry, regardless of its condition. They are committed to transparency and fairness, ensuring you get the best possible value for your items. Use this special Link and enter code CUTOFI15 to get a $15 bonus when you sell items over $199 (limited time offer).    For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners   

Have you ever wondered what a Social Security bridge strategy is? In this episode, Floyd Shilanski, CFPⓇ breaks down how these strategies can help retirees wait to claim Social Security and boost their lifetime income. Rather than filing for Social Security at 62, some retirees use their TSP, 401(k), or other savings to cover income needs until they reach full retirement age or even 70. Floyd discusses why living longer matters, how waiting can increase your monthly income, and why each person needs a plan that fits their situation. Most importantly, this episode focuses on planning, coordination, and making choices that fit you, instead of following advice from friends, neighbors, or social media. If you're getting close to retirement and unsure about when to claim Social Security, this episode will help you see your options and the pros and cons of each.

The chief executive officer of the IRS said during an interview on Tuesday that around 94 percent of middle-class Americans will see some form of tax relief next year. He added that Social Security recipients will see “up to a $6,000 benefit.” Frank Bisignano's comments come after Treasury Secretary Scott Bessent and White House economic adviser Kevin Hassett have both projected significant refunds in the 2026 tax year due to legislation that was signed into law over the summer by President Donald Trump.A thunderous explosion at a nursing home just outside Philadelphia killed at least two people, collapsed part of the building, sent flames shooting into the air, and left people trapped inside. Pennsylvania Gov. Josh Shapiro said in a news conference several hours after the explosion that at least two people had been killed. The explosion occurred at Bristol Health and Rehabilitation Center in Bristol Township as a utility crew began searching for a gas leak on site.

3 Surprising Reasons to Claim Social Security at 62 (Most Retirees Miss #2)**Schedule your free virtual consultation

In this milestone 100th episode of the Common Sense Financial Podcast, host Brian Skrobonja delves into the critical topic of managing taxes in retirement. The episode focuses on strategies for minimizing tax liabilities, especially for retirees with tax-deferred accounts facing potential hefty tax bills. Brian emphasizes the importance of sustainable income creation during retirement and the role of tax optimization in this process. Most people envision their retirement to be built from predominantly tax-free income, but after many years of deferring taxes, retirees are facing a sizable tax bill on distributions taken from their retirement accounts that could be a third or more of what has been accumulated. When you're saving for retirement, growth of your assets is the priority. But many people don't realize that once they retire that's no longer true. The priority is actually creating sustainable income to support you through retirement while minimizing taxes. A common issue I've seen is future retirees knowing they will owe taxes on their deferred accounts, but not realizing the extent of the problem since the rules change once they retire. Many retirees we work with tend to have the same income goals in retirement, yet with fewer deductions. They no longer have children or mortgage interest to help them offset their tax burdens, which makes the situation more complex. Delaying distributions isn't an option either. Required Minimum Distributions will eventually force your hand. There are two tax problems facing retirees: taxes you will have to contend with today, and taxes that you will have to contend with in the future. With the national deficit continuing to rise, do you expect tax rates to go down in the future or go up? The most likely answer is that tax rates are on the rise, so we should be planning accordingly. There are two possibilities to help minimize the level at which you participate in paying your fair share towards the government's future revenue increases. You can either complete a Roth conversion or through tax deferred withdrawals contribute to an overfunded permanent life insurance policy. Making the decision of which strategy to implement is the easy part. The trick really is completing this process with minimal tax liabilities, which requires specialized knowledge. The progressive nature of the code makes understanding your tax burden complicated and miscalculating this could result in having a larger tax liability than anticipated. Depending on your income level, a taxable distribution can subject your Social Security to additional taxes. This is a separate calculation from the income tax brackets and uses a two step process to determine how much of your social security will be subject to taxation. This is important to know because a taxable distribution may not only push you into a higher income tax bracket, but it could trigger additional taxes on your social security, which could result in a higher effective rate. You should also be aware of the impact a taxable distribution can have on Medicare premiums. The impact of any possible premium increase is typically delayed by two years. This is one of those things that often comes as a surprise when people make decisions about distributions. The antidote to taxable income is deductions, credits and losses which can help reduce the net income subject to tax. There are a few options that can help offset the burden of taxes and make the transition from tax-deferred to tax-free easier, but they don't work for everyone, which is why we recommend working with a professional. The first thing is a donor advised fund or DAF. This allows you to contribute future charitable donations into a fund that you control when distributions are made that can also receive the tax benefit of the donation in the year you make the contribution into the fund. By making multiple years of donations in a single year into that fund, you have the potential of helping offset a taxable distribution from your retirement account in that year. The second is a Charitable Remainder Trust (CRT), where you can contribute future charitable donations into the trust and receive the tax benefit of the donation in the year you make the contribution. You can also receive income from the trust while you're living within IRS limits. A CRT is a more complex arrangement than a DAF with many options and requires an attorney to draft the trust. The third is a qualified charitable donation or QCD, which allows for anyone over the age of 70 and a half to make a direct donation from a qualified account to a charity. The fourth is something known as IDCs, or intangible drilling costs, which allows accredited investors to participate in the drilling expenses of an oil and gas company that could provide reportable tax losses that can help offset all forms of income, as well as the potential for cash flow back to the investor once the wells are operational.     Mentioned in this episode: BrianSkrobonja.com SkrobonjaFinancial.com Common Sense Financial Podcast on YouTube  Common Sense Financial Podcast on Spotify Brian's article - From Tax-Deferred to Tax-Free: Navigating Taxes in Retirement   References for this episode: https://www.usdebtclock.org/ https://www.irs.gov/newsroom/irs-provides-tax-inflation-adjustments-for-tax-year-2024 https://www.irs.gov/newsroom/irs-provides-tax-inflation-adjustments-for-tax-year-2024 https://www.ssa.gov/benefits/retirement/planner/taxes.html https://www.ssa.gov/benefits/medicare/medicare-premiums.html#anchor5 https://www.irs.gov/charities-non-profits/charitable-organizations/charitable-contribution-deductions https://www.irs.gov/charities-non-profits/charitable-remainder-trusts https://www.irs.gov/newsroom/qualified-charitable-distributions-allow-eligible-ira-owners-up-to-100000-in-tax-free-gifts-to-charity https://www.investopedia.com/terms/i/intangible-drilling-costs.asp https://www.crfb.org/blogs/tax-break-down-intangible-drilling-costs     Securities offered only by duly registered individuals through Madison Avenue Securities, LLC. (MAS), Member FINRA &SIPC. Advisory services offered only by duly registered individuals through Skrobonja Wealth Management (SWM), a registered investment advisor. Tax services offered only through Skrobonja Tax Consulting. MAS does not offer Build Banking or tax advice. Skrobonja Financial Group, LLC, Skrobonja Wealth Management, LLC, Skrobonja Insurance Services, LLC, Skrobonja Tax Consulting, and Build Banking are not affiliated with MAS. Skrobonja Wealth Management, LLC is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Skrobonja Wealth Management, LLC and its representatives are properly licensed or exempt from licensure. The firm is a registered investment adviser with the state of Missouri, and may only transact business with residents of those states, or residents of other states where otherwise legally permitted subject to exemption or exclusion from registration requirements. Registration with the United States Securities and Exchange Commission or any state securities authority does not imply a certain level of skill or training. Investing involves risk, including the potential loss of principal. This is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation. A ROTH Conversion is a taxable event. Consult your tax advisor regarding your situation. Investments in securities are subject to investment risk, including possible loss of principal. Prices of securities may fluctuate from time to time and may even become valueless. Gas and oil investments are speculative in nature and are sold by Private Placement Memorandum (PPM). Carefully read the PPM before investing. Certain accreditation requirements may apply. Donor Advised Funds represent an irrevocable gift of assets from the donor to the fund. Contributions made to the fund are irrevocable and cannot be returned or used for any other individual or used for any purpose other than grant making to charities. The gift is not an investment or a security. When evaluating a contribution to the fund, carefully consider the terms and conditions, limitations, charges, and expenses. Depending on the tax filing status, DAF contributions may or may not be tax deductible.

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

Financially speaking, should Old Bear in Northern Kentucky marry his Honey? How should Sebastian in Virginia navigate the financial aspects of his separation? Plus, Famous Missourians want to know, how much is enough for retirement and when can you take your foot off the gas? Can Paul with the Big Wallet Bridge the long gap between retiring and claiming Social Security benefits? And can Aspiring Adventurer in Oregon retire single at age 58? (While Joe and Big Al enjoy a little seasonal downtime and Andi recovers from surgery, enjoy this encore presentation of these questions from an early 2025 episode.) Free Financial Resources in This Episode:  https://bit.ly/ymyw-561 (full show notes & episode transcript) DOWNLOAD The Going Solo Guide for free WATCH: Going Solo: Navigating Your Financial Future Single on YMYW TV Financial Blueprint (self-guided) Financial Assessment (Meet with an experienced professional) REQUEST your Retirement Spitball Analysis DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter   Connect With Us: YouTube: Subscribe and join the conversation in the comments Podcast apps: subscribe or follow YMYW in your favorite Apple Podcasts: leave your honest reviews and ratings   Chapters: 00:00 - Intro: This Week on the YMYW Podcast 01:01 - Financially Speaking, Should Old Bear Marry His Honey? (Northern Kentucky, near Cincinnati, OH) 08:41 - Navigating Finances When Separating from Your Spouse (Sebastian, VA) 15:13 - Watch Going Solo: Navigating Your Financial Future Single on YMYW TV, Download the Going Solo Guide for free 15:42 - How Much is Enough for Retirement? When Can We Take Our Foot Off the Gas? (JC Penney & Laura Ingalls Wilder, Kansas City, MO) 28:31 - How to Bridge the Long Gap Between Retirement and Social Security (Paul with the Big Wallet) 38:50 - Calculate your free Financial Blueprint 39:20 - Can I Retire at Age 58? Where to Save? Should I Do a Roth Conversion Ladder in Retirement? (Aspiring Adventurer, OR) 51:00 - YMYW Podcast Outro

America's national debt now has surpassed $38 trillion, and we're adding another $2 trillion each year with our deficit spending. The situation is even more bleak when you consider our unfunded liabilities for the future. Couple that with the cliffs we're facing on Social Security, the continued problems with Medicare and Medicaid that we're seeing […]

Afraid You'll Never Be Able to Retire? You're Not Alone. Here's the Plan.What if retirement wasn't scary anymore?In this episode of Queer Money, we share the real, unfiltered results of a recent Queer Money community poll — and what it reveals about the five biggest fears LGBTQ+ people have about retirement.From “bag lady energy” to healthcare panic, from how much is enough to where can I live safely and affordably, this episode isn't about shame — it's about clarity, strategy, and community.If you've ever wondered:Will I run out of money?What happens if healthcare bankrupts me before Medicare?Can I retire early… or abroad?What if Social Security or Medicare changes?This episode is for you.

As Christmas draws near, many of us feel the pressure to buy just one more thing—or worry the season won't feel special unless we spend more. Tight deadlines, emotional expectations, and last-minute sales create the perfect environment for impulse spending to quietly take over. But Scripture offers a wiser, more freeing way to approach giving—one rooted in love rather than pressure.Christmas brings out many good desires. We want our homes to feel warm, our families to feel loved, and our gatherings to feel joyful. Emotional spending happens when those good desires turn into pressure—internal or external. We begin asking questions like: What if this isn't enough? What will they think if I don't give something big? If I don't hurry, will Christmas feel incomplete?Emotional buying often peaks in the final days before Christmas, not because we're unwise, but because we're human. We feel the weight of expectations, the excitement of the season, and the fear of missing out. But perfect moments aren't purchased. They're created through meaningful time together—not merely expensive gifts.A Biblical Rhythm for GivingScripture invites us into a different rhythm. Jesus said, “It is more blessed to give than to receive.” He wasn't describing frantic shopping or panic-driven generosity, but joyful, intentional, heart-shaped giving.Paul echoes this in Colossians 3:2: “Set your minds on things above, not on earthly things.” Christmas giving becomes a spiritual act when it flows from love, gratitude, and thoughtfulness rather than pressure or panic.Many of the most meaningful gifts can't be boxed or wrapped—a handwritten letter, a shared meal, a family tradition, a long walk with an aging parent, or a prayer spoken over someone you love. These are gifts that shape hearts, not clutter closets.In the final days before Christmas, urgency often speaks louder than wisdom. The sale is ending. Shelves are empty. Shipping won't arrive on time. Suddenly, our giving comes more from fear than love.Proverbs 21:5 offers a timely warning: “The plans of the diligent lead surely to abundance, but everyone who is hasty comes only to poverty.” Hasty choices don't just strain our finances—they strain our hearts. They rob us of peace and shift our focus from Christ to consumption.You don't have to sprint your way into Christmas. You can choose a different pace.Four Practical Ways to Avoid Emotional Buying1. Pause before you purchase. Even a 30-second pause can interrupt an emotional decision. Ask yourself: Is this coming from love—or from pressure?2. Let your values set the tone. A healthy budget isn't restrictive—it's clarifying. It helps your spending reflect what matters most.3. Remember, generosity is more than money. Time, words, service, and presence are gifts money can't replicate.4. Let Christ—not culture—define Christmas. Before you buy, ask: Will this help us celebrate Jesus, or simply ease a momentary fear?When your giving aligns with faith rather than fear, Christmas becomes more meaningful—not less.The Freedom of Love-Led GivingMother Teresa captured this beautifully: “It's not how much we give, but how much love we put into giving.” You're not responsible for funding a flawless Christmas. You're responsible for loving the people God has placed in your life—and love doesn't require overspending.Christmas isn't a test of your financial ability. It's a celebration of God's generosity toward us. The angel didn't announce “great deals of consumer joy,” but “good news of great joy—a Savior has been born to you.” That's the center of Christmas, and the foundation of intentional giving.On Today's Program, Rob Answers Listener Questions:I'm 57 and have about $300,000 in a 401(k). I owe $133,000 on my mortgage and am considering using retirement funds to pay it off. My employer mentioned rolling over just enough to cover the mortgage into a pension plan. Is that possible, and what should I consider before proceeding?You previously shared a list of scholarships. I have a daughter who's a high school freshman and may attend Liberty University. Do you still have that scholarship list? How can we start preparing now?I'm 74, retired, and have about $25,000 in an IRA. I want to invest some in gold, but I also owe $13,000 on a high-interest credit card from home repairs. Is there a way to negotiate that debt for a lump-sum payoff? And since I live on a pension and Social Security and haven't filed taxes in four years, do I still need to pay taxes?I taught vocational trades in the Texas prison system and was told that ex-felons can't get a job until seven years after probation. Is that actually the law in Texas? And if so, how are people expected to support themselves during that time?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Christian Credit CounselorsFinding Your Scholarships (Faith and Finance Episode - August 14, 2024)Scholarships.com | Fastweb.comWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Have you ever wondered why so many people dream of early retirement but never actually do it? In this episode, I dive into the most common fears that hold people back from their dream retirement.

Steve sits down with Nick Hopwood, CFP, founder and president of Peak Wealth Management, for another edition of No Lazy Money,  focused on discipline, planning, and real-world investing. They look back at Cisco finally hitting a new high more than 25 years after 2000, what the lost decade taught investors, and where money actually worked when the S&P 500 went nowhere. Hopwood also lays out what investors should do if the market drops 10% or more in 2026, weighs in on Ray Dalio joining Michael Dell, and delivers a critical reminder: this is the last call for 2025 tax planning, including QCDs, donor-advised funds, tax-loss harvesting, and Roth conversions. Visit PeakWM.com/Gruber for a free Social Security analysis. Stop letting your money get lazy!

The job market isn't what it used to be. A strong resume and decades of experience are no longer enough to carry even the most qualified applicants, especially in a market flooded with applications and filtered by AI before a human ever looks twice. Hiring works differently now, and that shift catches a lot of experienced workers off guard. That's why today's guest matters big time. We're joined by Rick Denius, founder of HR Search Co., to break down how the hiring process really works today and what job seekers need to understand to navigate it.In this conversation, Rick walks through what he sees every day behind the scenes of hiring — why companies post jobs as a last resort, how roles actually get filled before they ever appear online, and where experienced candidates lose leverage without realizing it. He explains why applying online so often leads nowhere, how age bias quietly shows up in modern hiring (ageism is real!), and what older workers can do to stay visible and in demand. The Matt Feret Show is about thriving in midlife, retirement, and beyond. Each week, Matt shares smart conversations on Medicare, Social Security, retirement planning, health, wealth, wellness, caregiving, and life after 50.Explore more episodes and sign up for The Matt Feret Newsletter: TheMattFeretShow.comNeed Medicare help? Book a no-obligation consultation: BrickhouseAgency.comWatch full episodes on YouTube: The Matt Feret ShowSubscribe on Apple, Spotify, or YouTube for more insights on wealth, wisdom, and wellness in retirement. Hosted on Acast. See acast.com/privacy for more information.

2025 has been a year of significant highs and lows, a bittersweet time marked by personal loss but also tremendous growth in our community of listeners and clients. As we wrap up the year, I wanted to take a moment to reflect and, more importantly, to give back by answering the most pressing questions on your minds. In this episode, I'm tackling the top 10 most asked financial questions I received in 2025 from both clients and listeners. From the future solvency of Social Security and the reality of rising inflation to the specifics of Bitcoin and long-term care, we are covering the topics that directly impact your retirement confidence. I also share a special thank you gift to you my listeners: a significant discount on my Retirement Readiness Review course to help you kickstart your 2026 planning. Whether you are wondering if you should pay off your mortgage or how to find a truly objective financial advisor, this episode provides the clear, direct answers you need to navigate your financial future.  You will want to hear this episode if you are interested in... [00:00] Will Social Security be there for you when I retire? [06:04] How to handle rising inflation in retirement. [12:34] Should you be investing in Bitcoin in 2026? [17:37] The pros and cons of paying off your mortgage early. [21:51] Getting your children started with investing and saving. [26:01] Protecting your investments during a market downturn.  Social Security Solvency: Should You Worry? One of the biggest fears retirees face is the potential expiration of Social Security. The most recent trustees' report projects that benefits can be paid at 100% until roughly 2033. If no changes are made by then, benefits could be reduced by approximately 20%. However, history suggests that Congress will act to prevent such a drastic cut, especially given how heavily the average American relies on this income. We also saw recent changes with the "Social Security Fairness Act" passed just before President Biden left office, which restored benefits for many teachers and state employees previously affected by reductions. While this adds strain to the system, it highlights the political will to support retirees. Inflation and Investment Strategy Inflation has been a persistent concern since the post-COVID stimulus era. For retirees on a fixed income, combating this is difficult because pensions and Social Security cost-of-living adjustments are automatic and out of your control. The single best hedge against inflation is your investment portfolio. Historically, stocks are the only asset class that has significantly outpaced inflation over time. While this comes with volatility, maintaining an exposure to equities (often 50–70% for many retirees) is often necessary to ensure your purchasing power lasts as long as you do. The "Retirement Number" Formula Forget the arbitrary goal of saving "$1 million" or "$2 million." Retirement planning is about paycheck replacement. To find your number: Calculate Expenses: Determine your monthly spending needs in retirement. Subtract Fixed Income: Deduct your expected Social Security and pension income from that expense number. Determine the Gap: The remaining amount must come from your portfolio (401k, IRA, brokerage). Apply the Withdrawal Rate: Using a conservative 4% withdrawal rate, determine if your savings can cover that gap. Don't forget to account for taxes! You can use online calculators or work with a CPA to estimate your after-tax income. Specific Asset Questions: Bitcoin and Mortgages Bitcoin: Despite its popularity, Bitcoin remains a highly speculative asset. In 2025, while the stock market saw gains of 15-18%, Bitcoin was down significantly, highlighting its volatility. For most retirees, the risks outweigh the benefits when a standard diversified portfolio can already meet your income needs. Mortgage Payoff: Emotional peace of mind often conflicts with financial math. If you have a low interest rate (e.g., 3%), rushing to pay off that "cheap money" rarely makes sense when you could earn 5% or more on your investments. Furthermore, taking a large lump sum from an IRA to pay off a house could trigger a massive tax bill and even IRMAA surcharges on your Medicare premiums. Tax Planning: Roth Conversions and New Legislation With the passing of the "One Big Beautiful Tax Act" in 2025, we have new opportunities for tax planning. Roth Conversions: If you expect your future tax rate to be higher than your current rate, converting traditional IRA funds to Roth can save you money long-term. New Deductions: The new legislation allows for a higher SALT (State and Local Tax) deduction cap of $40,000 until 2030, which is a huge benefit for those in high-tax states like Connecticut. This might create a unique window over the next few years to perform conversions more tax-efficiently. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  Fidelity Investments Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan

What are the real solutions for the program you've paid into your entire life? Social Security's trust fund is projected to be depleted by 2033, which would trigger automatic benefit cuts unless Congress acts. Democrat Martin O'Malley, Former Social Security Commissioner, and Marc Goldwein from the nonpartisan Committee for a Responsible Federal Budget discuss the outlook of the program.

America's national debt now has surpassed $38 trillion, and we're adding another $2 trillion each year with our deficit spending. The situation is even more bleak when you consider our unfunded liabilities for the future. Couple that with the cliffs we're facing on Social Security, the continued problems with Medicare and Medicaid that we're seeing play out in Congress now: It feels like an insurmountable problem.So how in the world do we get America's finances back to some orderly system? Romina Boccia is the Director of Budget and Entitlement Policy at the Cato Institute, and she spends her days analyzing problems and promoting solutions around debt, entitlement, federal spending broadly. She's the co-author of a new book, Reimagining Social Security: Global Lessons for Retirement Policy Changes. Romina also serves on the board of America's Future.

The GoGaddis Real Estate Radio Show with Cleveland (Cleve) Gaddis | Market Myths & Media Noise Presented by Modern Traditional Realty Group www.moderntraditionsrealty.com Transparency, Accuracy, and Global Renting Is the information you see on Zillow always the full story? In this 12-minute segment, we dive into a major shift in how the nation's largest real estate platform displays data and provide a practical guide for landlords working with international tenants. The Zillow Climate Data Shake-up: We discuss why Zillow recently pulled climate risk data—such as flood and wildfire scores—from its listings after accuracy concerns were flagged by the CRMLS. Learn why platforms like Redfin and Realtor.com are making a different choice and what this means for your next home purchase. Accuracy vs. Transparency: Understand the risks of relying on modeled environmental scores and why Zillow is prioritizing data verification over potentially misleading buyers. The International Landlord's Guide: We answer a critical listener question regarding rental documents for non-citizen tenants without a Social Security number. We break down the essential paperwork you need to collect—from Passports and I-94 records to international credit reports—to protect your investment. In a world of "Big Data," knowing which information to trust is vital. This episode empowers Atlanta homeowners and investors to look beyond the screen and understand the "why" behind the numbers, ensuring you make real estate decisions based on facts, not just formatted scores. The insights shared on the show reflect the same guidance provided daily by Modern Traditional Realty Group. If you'd like a no-pressure conversation about your home's value, equity position, or the right timing for your next move, visit ModernTraditionalRealtyGroup.com or to connect with Cleve and submit questions for future segments, visit GoGaddisRadio.com.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian are joined by Allworth’s Chief Investment Officer Andy Stout to unpack why the latest inflation report might not be as positive as it seemed — including how a government shutdown may have warped the data. Plus, what the SEC just approved that could revolutionize how traditional investments are processed, and how Robinhood’s latest move blurs the line between gambling and investing. Later, the guys dig into the generational divide on fixing Social Security and answer your smart money questions — from multi-account withdrawal strategies to understanding bond fund risk.See omnystudio.com/listener for privacy information.

“I wish I knew earlier that starting saving and investing young turbo-charges your future wealth through compound growth, better retirement planning, and smarter money decisions.”

How do you balance risk, legacy, and family lessons on your journey to retirement? This episode with Art McPherson explores setting your “financial thermostat,” the pitfalls of early Social Security, and the impact of tough love and smart tax strategies. Hear stories of generational wisdom, why enabling loved ones can backfire, and a special segment with Trisha Yearwood on financial literacy and holiday memories. For more information visit www.artofmoney.com! Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Are you ready for the year-end financial countdown? This episode with JoePat Roop dives into last-minute tax strategies, the pros and cons of Roth conversions, and how Social Security timing can impact your retirement plan. Discover why personalized planning matters, how new tax laws could affect your future, and what to consider when leaving a legacy for your loved ones. For more information or to schedule a consultation call 704-946-7000 or visit BelmontUSA.com! Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Choosing when to collect Social Security is one of the most stressful retirement decisions people face, and it doesn't have to be.In this episode, Ari breaks down how most people actually decide when to claim Social Security, why there is no single “best” age, and how to think about the decision without fear or guesswork. Using real data and real-world scenarios, the focus stays on understanding trade-offs rather than chasing a perfect answer. Listen as Ari explains why some people claim as early as 62, why others wait until full retirement age or later, and how factors like income needs, longevity, and spousal considerations influence the decision. It also highlights why calculators alone often miss what matters most, and why peace of mind plays a bigger role than people expect. This is for anyone approaching retirement who wants a clearer, calmer way to think about Social Security and make a confident decision that fits their life.-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 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.

We welcome David Bach to discuss the principals he set out over twenty years ago in his groundbreaking first book, The Automatic Millionaire. We cover such diverse issues as the Latte Factor and even Social Security. The updated version of The Automatic Millionaire is available everywhere. Learn more about your ad choices. Visit megaphone.fm/adchoices

jchasedavis.comSupport the show!! - https://www.patreon.com/chasedavisGo to ionlayer.com and use code FPT to get $100 off your first kit. Seven Titans Jeans - https://seven-titans.com/discount/PROOFLegacy Profits Club - https://www.skool.com/legacyprofitsclub/about?Article at The American Mind - https://americanmind.org/salvo/what-is-total-boomer-luxury-communism/Follow Russ on X - https://x.com/GreenPlusAnESummaryIn this episode, Chase Davis interviews Russ Green about his article 'Total Boomer Luxury Communism,' discussing the generational divide in economic policies and the impact of government regulations on young people. They explore how current policies favor older generations, the implications of these policies on younger generations, and the need for a reevaluation of the social contract. Russ shares insights from his career and proposes solutions to address these systemic issues, emphasizing the importance of political engagement and individual responsibility.Support the showSign up for the Patreon - https://www.patreon.com/chasedavisFollow Full Proof Theology on Instagram - https://www.instagram.com/fullprooftheology/Follow Full Proof Theology on Facebook - https://www.facebook.com/fullprooftheology/

THE TOWNSEND PLAN, FATHER COUGHLIN, AND THE THIRD PARTY THREAT Colleague David Pietrusza. Dr. Francis Townsend's popular plan for old-age pensions pressured Roosevelt, who disliked "the dole," into creating Social Security. Concurrently, Father Charles Coughlin, the influential "Radio Priest," turned against Roosevelt after feeling used and ignored, specifically following a meeting at Hyde Park arranged by Joe Kennedy. Coughlin allied with Townsend and Huey Long's successor, Gerald L.K. Smith, to form a third party aimed at throwing the election to the House of Representatives. Despite their massive radio audiences, these political amateurs failed to get on the ballot in key states like New York and California. NUMBER 3

1. Immigration and Housing Mass immigration under President Biden increased rental demand and housing prices. Trump’s deportations and border enforcement are lowering rents and home prices. Median age of first-time homebuyers is rising above 40 (highest since WWI). Wharton study: “Every 1% population increase → rents up 1%.” Recent rent declines (−1.1% YoY, −5.2% vs. 2022 peak). Tax Policy Changes (2026) Highlights upcoming measures: No tax on tips No tax on overtime No tax on Social Security for seniors Suggests millions will receive IRS refunds starting January. HUD Report HUD finds that immigration significantly drove up housing demand and prices, especially for low-income Americans without assistance. 2. DOJ/FBI and Mar-a-Lago Raid Newly released emails show FBI doubted probable cause for the 2022 raid but proceeded under pressure from Biden DOJ. There were political motives behind the raid, calling it “abuse of power.” Lack of whistleblowers and calls for congressional hearings. 3. Last 3 BIG WINS of this past year Space Announces $10 billion investment in NASA and commercial space through the Working Families tax cut. Goal: U.S. lunar landing by 2028 (ahead of China’s 2030 target). Emphasizes jobs (50,000+ in Texas), national security, and inspiration for youth. Automotive Policy CAFE standards were “zeroed out” to reduce car costs and improve safety. Biden-era fuel economy rules are an attempt to ban internal combustion engines. Online Safety – “Take It Down Act” Makes posting non-consensual intimate imagery (including AI deepfakes) a felony. Grants victims a statutory right to demand immediate removal from platforms. Bipartisan passage and signing in the Rose Garden with First Lady Melania Trump. Please Hit Subscribe to this podcast Right Now. Also Please Subscribe to the 47 Morning Update with Ben Ferguson and The Ben Ferguson Show Podcast Wherever You get You're Podcasts. And don't forget to follow the show on Social Media so you never miss a moment! Thanks for Listening YouTube: https://www.youtube.com/@VerdictwithTedCruz/ Facebook: https://www.facebook.com/verdictwithtedcruz X: https://x.com/tedcruz X: https://x.com/benfergusonshowYouTube: https://www.youtube.com/@VerdictwithTedCruzSee omnystudio.com/listener for privacy information.

THE URGENCY OF SOCIAL SECURITY REFORM Colleague Veronique de Rugy, Mercatus Center. Veronique de Rugy argues Social Security must be reformed before trust funds run dry in the 2030s. She contends the system unfairly redistributes wealth from young workers to increasingly wealthy seniors and advocates for capping benefits or means-testing rather than raising taxes or allowing across-the-board cuts. NUMBER 6

SHOW 12-19-25 THE SHOW BEGINS WITH DOUBTS ABOUTGAVIN NNEWSOM  ON THE AMPAIGN TRAIL FOR 2028... LA 1900 WEST COAST WEATHER AND PORTLAND'S DECLINE Colleague Jeff Bliss, Pacific Watch. Jeff Bliss reports that Nordstrom Rack is leaving downtown Portland, citing high vacancy rates, crime, and homelessness. He also details a massive atmospheric river bringing heavy rain to the West Coast and dangerous Tule fog in California, while analyzing Gavin Newsom's presidential prospects amidst state economic struggles. NUMBER 1 CHINA'S CHIP THEFT AND AI WARFARE RISKS Colleague Brandon Weichert, The National Interest. Weichert discusses China's attempts to upgrade older ASML machines and reverse-engineer chips to bypass sanctions. They also review 2025 lessons, noting that AI in military war games tends to escalate conflicts aggressively toward nuclear options, warning that China may fuse AI with its nuclear command systems. NUMBER 2 ITALY'S ECONOMIC STABILITY AND DEMOGRAPHIC CRISIS Colleague Lorenzo Fiori, Il Giornale. Lorenzo Fiori reports that Italy's economy is stabilizing, with debt under control and bond spreads narrowing close to Germany's levels. While northern Italy remains industrialized, the south suffers from depopulation and climate change. Fiori emphasizes the urgent need for government policies to boost Italy's declining birth rate. NUMBER 3 NUCLEAR PROLIFERATION AND RUSSIAN SANCTIONS Colleague Henry Sokolski, Nonproliferation Policy Education Center. Sokolski criticizes the lifting of sanctions on Russian banks for nuclear projects and highlights the dangers at the Russian-occupied Zaporizhzhia plant. He warns against potential deals allowing Saudi Arabia and South Korea to enrich uranium, arguing this brings them dangerously close to bomb-making capabilities. NUMBER 4 LANCASTER COUNTY AND A HOLIDAY SPENDING SLUMP Colleague Jim McTague, Author and Journalist. Reporting from Lancaster County, Jim McTague observes a sluggish Christmas shopping season, with consumers buying practical items like gloves rather than expensive packages. While tourist venues like Sight & Sound Theaterremain busy, he predicts a mild recession in 2026 due to rising local taxes and utility costs. NUMBER 5 THE URGENCY OF SOCIAL SECURITY REFORM Colleague Veronique de Rugy, Mercatus Center. Veronique de Rugy argues Social Security must be reformed before trust funds run dry in the 2030s. She contends the system unfairly redistributes wealth from young workers to increasingly wealthy seniors and advocates for capping benefits or means-testing rather than raising taxes or allowing across-the-board cuts. NUMBER 6 NASA'S NEW LEADERSHIP AND PRIVATE SPACE Colleague Bob Zimmerman, BehindtheBlack.com. Bob Zimmerman discusses Jared Isaacman's confirmation as NASA administrator and an executive order prioritizing commercial space. Zimmerman predicts Isaacman might cancel the crewed Artemis II mission due to safety concerns with the Orion capsule, signaling a shift away from government-run programs like SLS toward private enterprise. NUMBER 7 SPACE BRIEFS: ROCKET LAB AND MARS RIVERS Colleague Bob Zimmerman, BehindtheBlack.com. Zimmerman highlights Rocket Lab's record launches and Max Space's new inflatable station module. He notes a European satellite report on sea levels omitted "global warming" references. Additionally, he describes Martian drainage features that resemble rivers and cites a study claiming AI algorithms are exposing children to harmful content. NUMBER 8 THE FALL OF THE REPUBLIC: SULLA TO CAESAR Colleague Professor Edward J. Watts, University of California at San Diego. Watts traces the Republic's fall, starting with the rivalry between Marius and Sulla. Sulla'sbrutal proscriptions and dictatorship traumatized a young Julius Caesar. Watts explains that Caesar eventually concluded the Republic's structures were broken, leading him to seize power to enforce rights, which his assassins misinterpreted as kingship. NUMBER 9 NERO, AGRIPPINA, AND THE MATRICIDE Colleague Professor Edward J. Watts, University of California at San Diego. Professor Watts details the pathology of the Roman emperorship, focusing on Agrippina's maneuvering to install her son Nero. Watts describes Nero's eventual assassination of his mother using a collapsible ship and his pivot to seeking popularity through rigged Olympic victories in Greece before losing control of Rome. NUMBER 10 THE YEAR OF FOUR EMPERORS AND FLAVIAN RULE Colleague Professor Edward J. Watts, University of California at San Diego. Watts analyzes the chaos following Nero's death, where Vespasian seized power after a brutal civil war that burned Capitoline Hill. The segment covers the Flavian dynasty, Titus's destruction of Jerusalem, and Domitian's vilification, concluding with Nerva's coup and the adoption of Trajan to stabilize the succession. NUMBER 11 THE BARRACKS EMPERORS AND THE ANTONINE PLAGUE Colleague Professor Edward J. Watts, University of California at San Diego. The discussion turns to the "barracks emperors," highlighting Trajan's expansion into Dacia and Hadrian's infrastructure focus. Watts describes Marcus Aurelius's Stoic governance during constant warfare and a devastating smallpox pandemic, which forced Rome to settle German immigrants to repopulate the empire. NUMBER 12 SUPREME COURT CHALLENGES TO TARIFF POWERS Colleague Professor Richard Epstein, Hoover Institution. Professor Epstein analyzes potential Supreme Court rulings on the President's use of emergency powers for broad tariffs. He predicts the Court may find the interpretation unconstitutional, creating a logistical nightmare regarding the refund of billions in collected revenues and addressing the complexity of overturning Article I court precedents. NUMBER 13 EXECUTIVE POWER AND INDEPENDENT AGENCIES Colleague Professor Richard Epstein, Hoover Institution. Epstein discusses a Supreme Court case regarding the President's power to fire members of independent boards like the FTC. He fears Chief Justice Roberts will side with executive power, a move Epstein views as an "unmitigated disaster" that undermines the necessary independence of agencies like the Federal Reserve. NUMBER 14 ECONOMIC SLOWDOWN AND CONSUMER SPENDING Colleague Gene Marks, The Guardian. Gene Marksreports on a US economic slowdown, citing contracting architectural billings and falling hotel occupancy. He notes that while the wealthy continue spending, the middle class is cutting back on dining out. Marks attributes inflation to government money circulation and discusses proposals for mandated retirement contributions. NUMBER 15 AI ADOPTION IN BUSINESS AND CONSTRUCTION Colleague Gene Marks, The Guardian. Marks argues that AI is enhancing productivity rather than replacing humans, despite accuracy issues. He highlights AI adoption in construction, including drones and augmented reality for safety. Marks notes that small businesses are eager for these technologies to improve efficiency, while displaced tech workers find roles in smaller firms. NUMBER 16

Jim and Chris discuss listener emails on Social Security spousal eligibility and claiming coordination, a listener PSA on Social Security proof of marriage requirements, RMD planning while still working, money market earnings in brokerage accounts, and using QLACs for long-term care planning.(16:15) Georgette asks whether the repeal of WEP and GPO affects her eligibility for a spousal benefit if her ex-husband worked for the federal government and she did not pay into Social Security. (26:45) A listener asks how Social Security works when one spouse lacks enough work credits for their own benefit and only qualifies for a spousal benefit, including whether both spouses must claim at full retirement age to access that benefit.(42:00) The guys address a PSA on why Social Security may already have proof of marriage on file for one spouse due to a name change but still requires documentation from the other spouse when benefits are claimed.(49:30) Jim and Chris discuss whether maximizing pre-tax retirement contributions and rolling a SEP IRA into a 403(b) can reduce or eliminate RMDs under the still-working exception.(1:06:45) A listener questions the statement that Money Market earnings are minimal, pointing to current yields in a fund they hold.(1:12:00) The guys respond to feedback on whether a QLAC could be an effective way to address long-term care planning when self-funding alone does not feel sufficient. The post Social Security, RMDs, Money Market Earnings, QLACs: Q&A #2551 appeared first on The Retirement and IRA Show.

Border Security Illegal immigration reportedly dropped by 99%. $100 billion invested in border security infrastructure (wall, technology, personnel). Claimed economic benefits: reduced housing costs and rents due to deportations. Working Families Tax Cut (formerly “One Big Beautiful Bill”) Permanent extension and expansion of Trump-era tax cuts. Specific provisions: No taxes on tips, overtime, or Social Security benefits (effective 2026). Framed as the most conservative legislative victory in U.S. history. Military & National Security $150 billion invested in rebuilding the military. $24.5 billion allocated to the Coast Guard (over 200% of its annual budget). Emphasis on Arctic ice cutters to counter China and Russia. Technology & Infrastructure Auctioning 800 MHz of federal spectrum to private sector (expected $100 billion revenue). Air traffic control modernization ($12.5 billion investment). Rotor Act: mandates ADS-B technology for all aircraft to prevent collisions. Education & Social Policy School Choice Expansion: Tax credits for donations to scholarship organizations. Trump Accounts: Investment accounts for every child in America, seeded with $1,000 and allowing $5,000 annual contributions, invested in S&P 500. Space Exploration $10 billion investment in NASA and commercial space programs. Goal: U.S. to return to the Moon by 2028, ahead of China. Regulatory Rollbacks Elimination of CAFE standards (fuel economy rules), framed as lowering car costs and improving safety. Online Safety Take It Down Act: Criminalizes non-consensual intimate imagery and deepfake pornography; mandates immediate removal by platforms. Please Hit Subscribe to this podcast Right Now. Also Please Subscribe to the 47 Morning Update with Ben Ferguson and The Ben Ferguson Show Podcast Wherever You get You're Podcasts. And don't forget to follow the show on Social Media so you never miss a moment! Thanks for Listening YouTube: https://www.youtube.com/@VerdictwithTedCruz/ Facebook: https://www.facebook.com/verdictwithtedcruz X: https://x.com/tedcruz X: https://x.com/benfergusonshowYouTube: https://www.youtube.com/@VerdictwithTedCruzSee omnystudio.com/listener for privacy information.

Amy talks with Sophie Kihm, editor-in-chief of Nameberry (the world's largest baby name website!) about the top baby name trends predicted for 2026, and why naming a child feels more complicated—and more meaningful—than ever. Sophie explains how Nameberry analyzes real-time search and save data, alongside Social Security statistics, to forecast which baby names are poised to rise quickly through the ranks. Together, Amy and Sophie walk through Nameberry's 10 biggest baby naming trends for 2026, from ancient civilization names and soulful, subtle spiritual names to showgirl-inspired choices influenced by pop culture and Taylor Swift. Along the way, Sophie shares how modern parents use Nameberry tools like forums, "Name DNA," and curated lists to find baby names that feel personal, flexible, and future-proof. Here's where you can find Sophie and Nameberry: https:://nameberry.com @nameberry on IG @nameberry.com on TikTok Read about the top 10 trends for baby names in 2026 here What Fresh Hell is co-hosted by Amy Wilson and Margaret Ables. We love the sponsors that make this show possible! You can always find all the special deals and codes for all our current sponsors on our website: ⁠⁠⁠https://www.whatfreshhellpodcast.com/p/promo-codes/ Get 50% Off Monarch Money, the all-in-one financial tool at ⁠www.monarchmoney.com/FRESH Ready to raise money-smart kids? Start now with your first month FREE at acornsearly.com/FRESH! What Fresh Hell podcast, mom friends, funny moms, parenting advice, parenting experts, parenting tips, mothers, families, parenting skills, parenting strategies, parenting styles, busy moms, self-help for moms, manage kid's behavior, teenager, tween, child development, family activities, family fun, parent child relationship, decluttering, kid-friendly, invisible workload, default parent, baby name trends 2026, baby names 2026, Nameberry baby names, Sophie Kihm Nameberry, baby naming trends, modern baby names, unique baby names, rising baby names, gender-neutral baby names, baby name popularity trends, ancient baby names, vintage baby names, boomer baby names, romantic fantasy baby names, anime baby names, Utah baby names, number baby names, vowel-heavy baby names, literary baby names, baby name ideas, baby name inspiration, name nerd podcast, parenting podcast episode, pop culture baby names Learn more about your ad choices. Visit podcastchoices.com/adchoices

Economic Agenda Promises of major tax relief starting in 2026: No tax on tips, overtime, and Social Security for most Americans. Projected savings: $11,000–$20,000 per family annually. Anticipated largest tax refund season ever next spring. Emphasis on record investment inflows, job creation, and tariff leverage. Goal: “Greatest economy in history.” Military Support Announcement of a $1,776 “Warrior Dividend” for 1.45 million service members as a symbolic tribute to 1776. Healthcare Reform Affordable Care Act (“Unaffordable Care Act”). Promise to redirect funds from insurance companies to individuals for better, cheaper coverage. Future reductions in drug prices via the Trump RX Program. Immigration and Border Security Trump condemned prior administration’s immigration policies. there WAS a border invasion with criminal elements. A vow to maintain strict enforcement and prevent recurrence. Housing and Cost of Living Plans for aggressive housing reforms to improve affordability. Links high housing costs to illegal immigration and promises relief. Foreign Policy Highlighted diplomatic progress and reduced global tensions. Positioned the U.S. as regaining international leadership. Future Outlook Preview of 2026 initiatives: Expanded energy production. Lower interest rates via new Federal Reserve leadership. Continued focus on affordability and economic growth. Please Hit Subscribe to this podcast Right Now. Also Please Subscribe to the The Ben Ferguson Show Podcast and Verdict with Ted Cruz Wherever You get You're Podcasts. And don't forget to follow the show on Social Media so you never miss a moment! Thanks for Listening X: https://x.com/benfergusonshowYouTube: https://www.youtube.com/@VerdictwithTedCruzSee omnystudio.com/listener for privacy information.

-- On the Show -- Donald Trump openly says the United States wants Venezuela's oil, raising questions about war motives, regime change, and public support while contradicting his antiwar image -- Donald Trump falsely claims tariffs generated 18 trillion dollars, a mathematically impossible figure that exposes either deliberate lying or deep confusion -- Donald Trump delivers a chaotic national address filled with xenophobic rhetoric, false claims, and unfunded promises that undercuts Republican prospects -- Donald Trump repeatedly lies about inflation, drug prices, Social Security taxes, and investment totals, relying on basic math errors and misleading talking points -- Dan Bongino resigns as deputy FBI director after months of turmoil, signaling early dysfunction inside Donald Trump's second administration -- Kayleigh McEnany misuses selective polling averages to falsely portray Donald Trump as historically popular while ignoring high disapproval -- Donald Trump demolished part of the White House for a ballroom project with no feasible plan, soaring costs, and unanswered donor questions -- Conservative media figures praise Donald Trump's chaotic speech by rewriting reality, revealing how loyalty overrides obvious facts and public perception -- On the Bonus Show: Kash Patel and his girlfriend appear on the Katie Miller podcast, the House GOP passes a health care plan without extended ACA subsidies, a retired cop sues after getting jailed over a Charlie Kirk meme, and much more...

1. Foiled Terror Attack in Los Angeles Incident: FBI arrested five suspects allegedly planning coordinated New Year’s Eve bombings in Los Angeles. Group: Identified as the Turtle Island Liberation Front, described as a radical pro-Palestinian, anti-American extremist group. Details: Planned attacks using improvised explosive devices (IEDs) at five locations. Four suspects arrested in Lucerne Valley while testing bomb components; a fifth arrested in New Orleans. Materials included potassium nitrate, PVC pipes, sulfur powder, and charcoal. Ideology: Anti-U.S., pro-Palestinian, anti-law enforcement; Instagram posts included “Death to America” and “Free Palestine.” 2. DOJ and FBI Emails on Mar-a-Lago Raid Revelation: Internal FBI emails show agents doubted probable cause for the August 2022 raid on Trump’s residence. Concerns: Evidence was “single source, uncorroborated, and possibly outdated.” FBI suggested less intrusive alternatives, like negotiating with Trump’s attorneys. DOJ officials allegedly dismissed optics concerns, saying they “didn’t give a damn.” Implications: The raid was politically motivated, intended to damage Trump’s chances of reelection. 3. Housing, Immigration, and Economic Policy Housing Crisis: Attributes skyrocketing rents and home prices to Biden-era immigration policies, citing a HUD report linking immigration to housing demand. Trump’s Deportation Policy: Claims mass deportations have lowered rents by 1.1% year-over-year and 5.2% since 2022. Economic Measures: Highlights upcoming tax reforms for 2026: No tax on tips. No tax on overtime. No tax on Social Security for seniors. Please Hit Subscribe to this podcast Right Now. Also Please Subscribe to the 47 Morning Update with Ben Ferguson and The Ben Ferguson Show Podcast Wherever You get You're Podcasts. And don't forget to follow the show on Social Media so you never miss a moment! Thanks for Listening YouTube: https://www.youtube.com/@VerdictwithTedCruz/ Facebook: https://www.facebook.com/verdictwithtedcruz X: https://x.com/tedcruz X: https://x.com/benfergusonshowYouTube: https://www.youtube.com/@VerdictwithTedCruzSee omnystudio.com/listener for privacy information.