Podcasts about social security

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Leonard S. Graham. Social Security disability advocate, Leonard S. Graham joined Rushion McDonald on Money Making Conversations Master Class to explain how Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) really work, who qualifies, and how misconceptions prevent people—especially within the Black community—from receiving benefits they are legally entitled to. Graham has over 35 years of experience assisting clients nationwide with disability claims, appeals, and hearings. The conversation sheds light on the disability process, eligibility, the appeals system, the role of advocates vs. attorneys, and the importance of education, honesty, and persistence in navigating Social Security.

Bulwark Capital https://KnowYourRiskPodcast.comRegister now for the FREE “Cutting Through Market Noise" live webinar April 2nd at 3:30pm Pacific.Renue Healthcare https://Renue.Healthcare/ToddYour journey to a better life starts at Renue Healthcare. Visit https://Renue.Healthcare/Todd Bonefrog https://BonefrogCoffee.com/ToddGet the new limited release, The Sisterhood, created to honor the extraordinary women behind the heroes. Use code TODD at checkout to receive 10% off your first purchase and 15% on subscriptions.LISTEN and SUBSCRIBE at:The Todd Herman Show - Podcast - Apple PodcastsThe Todd Herman Show | Podcast on SpotifyWATCH and SUBSCRIBE at: Todd Herman - The Todd Herman Show - YouTubeThe War Against God's Common Blessings - Faith and Family // Social Security Vs. God's Law - Faith & Finance // A Close-Up Look at The Woman Leading Trump AWAY From Jesus - Faith & FlagEpisode Links:What if the government told your family ranch you owed $3.7 million… for a pond your cattle have been drinking from for decades? That's exactly what's happening to a fourth-generation ranch family in Washington State. Wade and Teresa King have been running cattle on their land for generations. Like thousands of ranchers across the West, they built small stock ponds so their cattle have water in dry country.An American woman loses both parents and goes through their Social Security records. They paid in for DECADES — nearly $1,000,000 combined. Her dad died before collecting a CENT.Her mom only received about $32,000 a year for four years. That's not a safety net. It's a SCAM.As @MayaMacGuineas explains, right now we spend $6 on seniors for every $1 on kids under 18. When Social Security began, seniors were the poorest — today children are. To add insult to injury, we have mortgaged their future with $39 trillion in debt and growing. It is immoral what we are doing to our children and grandchildren.Four Instances of Paula White Being an Absolute HereticWhat Does God's Word Say?Exodus 22:25 ESV “If you lend money to any of my people with you who is poor, you shall not be like a moneylender to him, and you shall not exact interest from him.1 Timothy 5:8 8 Anyone who does not provide for their relatives, and especially for their own household, has denied the faith and is worse than an unbeliever.Matthew 7:15-2015 “Watch out for false prophets. They come to you in sheep's clothing, but inwardly they are ferocious wolves. 16 By their fruit you will recognize them. Do people pick grapes from thornbushes, or figs from thistles? 17 Likewise, every good tree bears good fruit, but a bad tree bears bad fruit. 18 A good tree cannot bear bad fruit, and a bad tree cannot bear good fruit. 19 Every tree that does not bear good fruit is cut down and thrown into the fire. 20 Thus, by their fruit you will recognize them.

A shocking report claims China hacked U.S. voter data in 2020—and that U.S. intelligence agencies knew but kept it from Congress and the public. We break down the allegations, the whistleblower claims, and why this could reshape the debate over election security and foreign interference. ⚡ EPISODE SUMMARY Today's episode centers on explosive allegations tied to reporting from John Solomon, claiming that China accessed U.S. voter registration databases ahead of the 2020 election—and that critical details were withheld from lawmakers and the public. According to the claims, intelligence agencies, including the CIA and FBI, possessed reports as early as 2020 indicating that Chinese actors had obtained sensitive voter data across multiple states. This data allegedly included personal identifiers like driver's license numbers and partial Social Security numbers. The episode explores assertions that this information may have been used to create fraudulent identification tied to mail-in voting systems, alongside allegations that whistleblowers were silenced and internal reports were removed or hidden. We also examine the broader political implications, including debates over election security legislation, the role of foreign actors like China and Iran, and claims that key intelligence disclosures were incomplete. These are serious, highly contested allegations with major implications—so we break down what's being claimed, what's known, and what remains unverified.

A whistleblower claims the FBI hid explosive intelligence in a secret “Prohibited Access” system—including alleged evidence of China and Iran accessing U.S. voter data before the 2020 election. We break down the claims, the cover-up allegations, and what it could mean moving forward. ⚡ EPISODE SUMMARY Today's episode dives into a stunning set of allegations involving a secret FBI system known as “Prohibited Access,” reportedly used to conceal sensitive intelligence from Congress and even senior officials. According to claims discussed by Senator Charles Grassley and reporting tied to John Solomon, whistleblowers allege that critical information about foreign access to U.S. voter registration data was hidden inside this system. The transcript outlines claims that China and Iran accessed sensitive voter data—including driver's license numbers and partial Social Security information—and that internal intelligence reports tied to these breaches were restricted, deleted, or never fully disclosed. It also explores allegations that internal FBI programs, including operations designed to suppress damaging information, existed outside normal oversight channels, raising serious questions about transparency and accountability. Additionally, the episode connects these claims to broader narratives from 2020, including the push for mail-in voting, social media censorship of “election fraud” discussions, and ongoing debates over election security legislation. These claims are highly controversial and remain unproven—but if substantiated, they could represent one of the most significant intelligence and oversight failures in modern U.S. history.

Explosive claims surface that China accessed U.S. voter registration data before the 2020 election—and U.S. intelligence agencies allegedly knew but didn't fully disclose it. We break down the timeline, the whistleblower allegations, and why this story is reigniting the fight over election security and the SAVE Act. ⚡ EPISODE SUMMARY A new report from John Solomon is fueling major controversy, alleging that China hacked U.S. voter registration databases as early as 2020—and that key details were never fully shared with lawmakers or the public. According to the claims, intelligence agencies were aware of breaches involving sensitive voter data, including partial Social Security numbers and driver's license information. Critics argue that while Congress was briefed on similar activity abroad, the scope of what happened inside the U.S. was downplayed or withheld. The episode explores allegations that this data could have been used to create fraudulent identification tied to mail-in voting systems, as well as claims that internal reports were suppressed and whistleblowers sidelined. We also examine the broader context—social media censorship debates, pre-election narratives around “election fraud,” and the renewed push for legislation like the SAVE Act. These are serious and highly disputed claims with major implications for election security, transparency, and public trust—so we break down what's being alleged, what's known, and what remains unproven.

In this episode of the Power of Zero Show David McKnight gives you a blueprint with the key steps to follow for a successful and stress-free retirement if you're about five years away. The first step is figuring out your retirement income shortfall, the income you'll need every month in retirement, as well as how much of that will be covered by sources like Social Security and pensions. The retirement income shortfall represents the amount of income your retirement assets need to produce in order to fund your lifestyle. One strategy many retirees rely on is taking a portion of their liquid retirement savings, often from a traditional IRA or 401(k), and rolling it into an annuity designed to produce inflation-adjusted lifetime income. The second pillar of the blueprint discussed by David are investments: Roughly 70% to a total U.S. stock market index fund, and 30% to a total international stock market index fund. While things like paying the electric bill or putting food on the table are covered by your guaranteed income sources, this portfolio is designed to fund discretionary expenses (e.g. taking the grandkids to Disneyland, traveling, etc.) and unexpected shock expenses. David emphasizes that, by investing this discretionary bucket entirely in stocks rather than bonds, you increase the likelihood that the portfolio will last through your actuarial life expectancy. "When properly structured and funded, an index universal life policy or IUL can serve as a volatility buffer within your retirement plan", says David. Furthermore, a IUL policy can also provide a death benefit that can be accessed in advance of your death for the purpose of paying for long-term care… Remember: Retirement planning isn't about guessing what the market will do, it's about building a system where your basic needs are guaranteed, your growth assets continue compounding and you have the tools in place to manage volatility and unexpected risks.     Mentioned in this episode: David's new book, available now for pre-order: The Secret Order of Millionaires David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track Tax-Free Income for Life: A Step-by-Step Plan for a Secure Retirement by David McKnight DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com

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Juan and Mary in Brooklyn are 49 and 48 with $2.2 million saved. Can Juan afford to retire early, or just walk away if he gets fired? And if they get divorced, yikes - but does the math still work? That's today on Your Money, Your Wealth® podcast number 573. But first, "Reuben Sailing Shoes" is 68, single, retired, and has $1.6 million saved, but he's never had a budget in his life. How much can he actually spend? "Leslie and Ben" are federal retirees in their seventies with great pensions and a mix of pre-tax and Roth savings, and "Mork and Mindy" in Delaware are retired with an annuity, a pension, Social Security, and $1.3 million in an IRA. Joe Anderson, CFP® and Big Al Clopine, CPA spitball on how Roth conversions and RMD timing can help both couples minimize taxes and make the most of what they've got. Free Financial Resources in This Episode: https://bit.ly/ymyw-573 (full show notes & episode transcript) Complete Roth Papers Package - free download: https://purefinancial.com/white-papers/the-complete-roth-papers-package/?utm_source=LibsynDestinations&utm_medium=podcast&utm_campaign=YMYW-573  Retirement Course: Can You Hit a Hole in One? With PGA Pro Chris Riley - YMYW TV: https://purefinancial.com/ymyw/episodes/retirement-course-hole-in-one-pga-pro-chris-riley/?utm_source=LibsynDestinations&utm_medium=podcast&utm_campaign=YMYW-573  Financial Blueprint (self-guided): https://bit.ly/PureFinancialBlueprint  Financial Assessment (Meet with an experienced professional): https://bit.ly/PureFreeAssessment  REQUEST your Retirement Spitball Analysis: https://bit.ly/AskJoeAndAl  DOWNLOAD more free guides: https://bit.ly/PureGuides  READ financial blogs: https://bit.ly/PureFinBlog  WATCH educational videos: https://bit.ly/PureEdVideos  SUBSCRIBE to the YMYW Newsletter: https://bit.ly/YMYWNewsletter    Connect With Us: Subscribe on YouTube and join the conversation in the comments: https://bit.ly/YMYW-YT  Subscribe or follow YMYW in your favorite podcast app: https://lnk.to/ymyw  Leave your honest reviews and ratings in Apple Podcasts: https://podcasts.apple.com/us/podcast/your-money-your-wealth/id312900254  Chapters: 00:00 - Intro: This week on the YMYW Podcast 01:04 - How Much Can a Single 68-Year-Old Retiree With $1.6M(?) Spend Without Running Out of Money? (Reuben Sailing Shoes, Wyoming) 08:38 - 72 and 76 With $1.4M. Should We Keep Doing Roth Conversions After RMDs Start? (Leslie and Ben, Ohio) 17:12 - 71 and 73 With $1.73M. How to Balance Roth Conversions, RMDs, Widow Taxes, and Inheritance Goals? (Mork and Mindy, Delaware) 28:28 - 49 and 48 with $2.2M. If I Get Fired, Quit, or Get Divorced Tomorrow, Will We Be Fine? (Juan & Mary, Brooklyn, NY) 39:20 - Outro: Next Week on YMYW Podcast

Author Ethan Lohr shares how the four buckets retirement income strategy helps retirees behavior-proof their retirement. Many retirees face one similar problem that they struggle to name: the emotional shift from saving money to spending it. Retirement typically means going from “decades of saving to decades of retirement where you're spending,” and that transition creates real anxiety for people who want their money to last. Ethan Lohr's answer is not just a better spreadsheet. It's a “behavior-proof approach to reliable retirement income,” designed to help retirees make sound decisions even when fear, uncertainty, or market volatility show up.  Retirement isn't just a financial transition. It's a psychological one.  That mindset shift—from accumulation to distribution—creates anxiety for many retirees. So while the biggest risk retirees often fear is a market drop, oftentimes the greater risk is a struggle to change your behavior. The Real Risk in Retirement Markets fall. Headlines scream. Fear creeps in. Suddenly people make decisions they wouldn't normally make—selling investments, abandoning a plan, or withdrawing too little money because they're afraid to spend. That's why Ethan calls his framework a “behavior-proof approach to reliable retirement income.” The goal isn't just building a portfolio that works mathematically. The goal is building a system that still works when emotions show up. Because they always do. The Four Buckets of Retirement Income To help retirees think through their income strategy, Ethan uses a four-bucket framework. Most people are familiar with the idea of dividing money by time horizon. But Ethan's approach focuses more on the source of income rather than just the timing. The four buckets include: 1. Cash ReservesShort-term funds designed to cover near-term spending and provide stability during market fluctuations. 2. Earned IncomeSome retirees continue to work part-time, consult, or pursue a business venture. This income can reduce pressure on investment withdrawals. 3. Secure IncomeReliable income streams such as Social Security, pensions, or annuity payments. Ethan makes an interesting observation about this category. Many people say they dislike annuities, yet they happily accept Social Security each month. “Virtually every American has an annuity right now called Social Security,” he noted. 4. Growth and Legacy InvestmentsLong-term investments designed for growth, flexibility, and potentially leaving assets to heirs. The goal isn't to split assets evenly among these buckets. Instead, the framework helps retirees understand where their income will come from and whether their plan aligns with their comfort level. Why Frameworks Matter One of the most helpful parts of Ethan's approach is that it provides structure. Without structure, retirement decisions can feel overwhelming. Every market move, every headline, every conversation with a friend can trigger doubt. A framework helps retirees answer a simple question: Where is my income coming from? Once that question is clear, the rest of the planning process becomes easier. The Spending Gap Another interesting challenge Ethan discussed is what advisors often call the retirement spending gap. When retirees are surveyed, most say they want their money to help them live the life they want. But when you look at their actual withdrawals, many spend far less than they could comfortably afford. They say they want to enjoy retirement. But their behavior suggests they're afraid to. Ethan describes the solution as helping retirees “live fully.” In other words, the goal of retirement planning isn't just preserving wealth. It's helping people feel confident enough to actually use it. Retirement Is About More Than Math Retirement planning often focuses on investment returns, withdrawal rates, and tax strategies. Those are important. But they aren't the whole story. Retirement also involves psychology, identity, and the emotional shift from saving to spending. A plan that only works on paper isn't enough. The best retirement plans are designed to work with human behavior—not against it. That's what makes them truly durable. And that's what makes them behavior-proof. Don't forget to leave a rating for the “Retire Today” podcast if you've been enjoying these episodes! Subscribe to Retire Today to get new episodes every Wednesday. Apple Podcasts: https://podcasts.apple.com/us/podcast/retire-today/id1488769337  Spotify Podcasts: https://bit.ly/RetireTodaySpotify About the Author: Jeremy Keil, CFP®, CFA is a retirement financial advisor with Keil Financial Partners, author of Retire Today: Create Your Retirement Income Plan in 5 Simple Steps, and host of the Retirement Today blog and podcast, as well as the Mr. Retirement YouTube channel. Jeremy is a contributor to Kiplinger and is frequently cited in publications like the Wall Street Journal and New York Times. Additional Links: Buy Jeremy's book – Retire Today: Create Your Retirement Master Plan in 5 Simple Steps Lohr & Company The Four Buckets “The Four Buckets: A Behavior-Proof Approach to Reliable Retirement Income” by Ethan Lohr  Ethan Lohr on LinkedIn Connect With Jeremy Keil: Keil Financial Partners LinkedIn: Jeremy Keil Facebook: Jeremy Keil LinkedIn: Keil Financial Partners YouTube: Mr. Retirement Book an Intro Call with Jeremy's Team Media Disclosures: Disclosures This media is provided for informational and educational purposes only and does not consider the investment objectives, financial situation, or particular needs of any consumer. Nothing in this program should be construed as investment, legal, or tax advice, nor as a recommendation to buy, sell, or hold any security or to adopt any investment strategy. The views and opinions expressed are those of the host and any guest, current as of the date of recording, and may change without notice as market, political or economic conditions evolve. All investments involve risk, including the possible loss of principal. Past performance is no guarantee of future results. Legal & Tax Disclosure Consumers should consult their own qualified attorney, CPA, or other professional advisor regarding their specific legal and tax situations. Advisor Disclosures Alongside, LLC, doing business as Keil Financial Partners, is an SEC-registered investment adviser. Registration does not imply a certain level of skill or expertise. Advisory services are delivered through the Alongside, LLC platform. Keil Financial Partners is independent, not owned or operated by Alongside, LLC. Additional information about Alongside, LLC – including its services, fees and any material conflicts of interest – can be found at https://adviserinfo.sec.gov/firm/summary/333587 or by requesting Form ADV Part 2A. The content of this media should not be reproduced or redistributed without the firm’s written consent. Any trademarks or service marks mentioned belong to their respective owners and are used for identification purposes only. Additional Important Disclosures

Rae Alexandra has 35 stories to share with you, plus her own. In this Women's History Month episode, meet and get to know Rae. She recently published a book with City Lights Publishing called Unsung Heroines: 35 Women Who Changed the Bay Area. It's of course available at City Lights, but you can also find it at your local independent bookstore. I read the book and could not put it down. Only toward the end of the 35 essays did I start to recognize the women Rae features. I love history and I love learning and I have mixed feelings about the fact that there are so many rad women whose stories are untold. Thank you, Rae Alexandra, for shining on a light on these incredible women. These days, she's a staff writer at KQED. But Rae's story starts in Wales in the UK. She grew up in Cardiff, the capital of the country. (I learn in the conversation that Wales is a country. I also learn that "United Kingdom" and "Great Britain" are the same thing. Now, British vs. English we don't touch, for obvious reasons. But I digress …) Ed. note: I'll describe my conversation with Rae as two Gen Ex journalist types with ADHD (is that redundant?) doing their best to be linear. To me, the meanderings of our talk are totally normal. Rae says that Wales is delightful and has all the best castles, but that's because of the number times the country has been invaded and conquered. Close to where her mom lives today is a castle that boasts the world's largest crossbow. When I ask when Rae was born (1978), we discover that she's a horse as in Year of the Horse (aka 2026). Cool. Rae continued to call Cardiff home up through her college years. She didn't go to another school outside of Wales that had accepted her because she was attached to a group of skateboarders in her hometown. After she graduated, though, she moved to London. Music has been central for Rae as far back as she remembers (same). She shares stories of being maybe 5 and listening to the Top 40 with her cassette recorder ready to nab her favorite songs (same). According to Rae, the English look down on the Welsh, and have for some time, based on classist generalizations. Wales is where the UK mines most of its coal. London-types consider their neighbors to the southwest feral, and in some regards, the Welsh are, she says. In the Eighties, she remembers stories about IRA bombings appearing on the news nightly. Also, in Wales, miners went on strike and everyone knew about it. Rae says that Wales in the Eighties was essentially like listening to The Clash. We go on a sidebar about siblings, birth order, and what it means to be the youngest, which Rae and I both are. Growing up, she was close with both her older sisters. Today, one lives in Australia and the other lives in the London suburbs. Around age 10, Rae discovered metal. By 12, she decided that she would become a music journalist. In her teen years, she "snuck" her writing into local and college newspapers. The music journalism she consumed in those days included publications like Smash Hits, Kerrang!, NME, and Melody Maker. In fact, her first job out of college was at Kerrang! We go on a sidebar on the whole idea of living somewhere vs. visiting, and how they're so totally different on every level. I use Chicago, where I lived for a full six months in the Nineties, as my example. Rae offers up a stay in Brooklyn as hers. That job at Kerrang! is what brought Rae to London, another place she found impossible to live. I ask her to expound on what it was about the place, and she indulges me. She says that you have to be obscenely wealthy to live in Central London, so most folks are forced to the outskirts. But the jobs are in the middle of town, and so you end up spending around two or three hours a day commuting underground. It was/is also gray—the weather, the architecture—and the people in London were, as Rae describes it, hostile. When she goes into detail about the ways in which they were hostile, we agree that only you get to shit on your own hometown. People who aren't from there aren't allowed. It's a rule. Look it up. After a year working for the magazine in London, Rae met a guy from San Francisco. She'd been to The City and even spent significant time here working for Maximum Rock 'n' Roll. (At this point in the recording, I mistakenly call the BBQ place near Hayes and Divisadero until sometime in the early 2000s "Brothers." It was in fact called Brother in-law's. My apologies.) She moved in with that guy she met, lived with him for six months in London, and then it was time for him to come home to SF. He asked her if she wanted to join him and she accepted. She had already transitioned to freelance writing for the magazine, because office life didn't suit her, so work wasn't so much a problem. But upon arrival, she soon discovered how difficult it was to do anything without a Social Security number. That added an extra layer to moving here. But it wasn't the place itself or its people that made things hard. It was the system, so to speak. Also, while she was getting settled and learning how to survive in the US without an SSN, she started to see that the guy was, let's just say, not for her. She felt he'd been playing the long game when they lived together in London, but once back on his home turf, some of his sociopath tendencies emerged. It was 2002 and she lived in Bernal Heights on Cortland. She spent most of her time in the Mission, just down the hill. After a short time, the guy convinced her that they needed to get married, so they moved back to London. The marriage lasted three months, and Rae returned to her new home—San Francisco. When she came back, she experienced a stretch of housing instability. You could call it "couch surfing," but either way, it was dicey. Six months or so later, things settled. It was easier to live cheaply in the early 2000s, also. A $5 burrito could be a whole day's worth of food. And Rae had befriended enough bartenders that she rarely paid full-price for booze. She describes "The Blackout Triangle" of Killowatt, Delirium, and Dr. Bombay's. She also regularly visited Beauty Bar until that place went downhill. Check back this Thursday for Part 2 with Rae Alexandra. We recorded this episode at Vesuvio in North Beach in February 2026. Photography by Jeff Hunt

At some point, many retirees will be navigating life—and money—on their own. This episode with Damon Roberts explores the realities of solo retirement planning, from widowhood and divorce to income gaps and decision-making without a partner. The conversation highlights why well‑meaning advice from friends can miss the bigger picture, how Social Security choices ripple through retirement, and why planning “the rest of the story” matters. It’s a thoughtful look at independence, preparation, and adapting your financial strategy as life changes. For more information or to schedule a consultation, call 480-680-6868 or visit www.successinthenewretirement.com! Follow us on social media: Facebook | LinkedInSee omnystudio.com/listener for privacy information.

03/17/26: Jammie Lyell is a Social Security policy expert, and at AARP he leads initiatives to strengthen financial security for millions of Americans. He's a former senior program analyst and policy expert at the Social Security Administration. Josh Askvig is the AARP North Dakota State Director, and they both join Joel Heitkamp on "News and Views." Jammie and Josh discuss the importance of preserving Social Security, what AARP does for the area, and more. (Joel Heitkamp is a talk show host on the Mighty 790 KFGO in Fargo-Moorhead. His award-winning program, “News & Views,” can be heard weekdays from 8 – 11 a.m. Follow Joel on X/Twitter @JoelKFGO.)See omnystudio.com/listener for privacy information.

Even Doing Nothing Can Get You Killed Murphy's Laws of Combat state that everything you do can get you killed, including doing nothing. Many people today will admit that Social Security will not be there for them when they retire, but they are not doing anything to prepare for their own retirement. Some even claim that they will just work until they die, but what happens when they are physically or mentally unable to work any longer? We talk about how people can and should start preparing now for their retirement, so they can have a better future later. Life isn't easy, and it is not always fair. However, you can take the steps to improve your life. In this episode, we cover gold, silver, Bitcoin, real estate, legacy media, sanctions, gas and oil, and more! Use all this information to make your life (and your future) a better place!   Sponsors: American Gold Exchange Our dealer for precious metals & the exclusive dealer of Real Power Family silver rounds. Get your first, or next bullion order from American Gold Exchange like we do. Tell them the Real Power Family sent you! Click on this link to get a FREE Starters Guide. Or Click Here to order our new Real Power Family silver rounds. 1 Troy Oz 99.99% Fine Silver Abolish Property Taxes in Ohio: www.AxOHTax.com  Get more information about abolishing all property taxes in Ohio. Our Links: www.RealPowerFamily.com Info@RealPowerFamily.com 833-Be-Do-Have (833-233-6428)

You might have received a Social Security cost-of-living increase this year — but did your net check actually go up?  A recent Wall Street Journal article highlights how rising Medicare premiums and IRMAA surcharges are offsetting those increases for millions of retirees - and "takes a bigger bite out of Social Security checks". Then, a listener writes in "How to convince my husband's parents to spend their money. We don't need it." Tune in to hear that one! And we wrap it up with our "Retire to Something" segment from Dave in Massachusetts.  Resource: Wall Street Journal article by Laura Sanders: The Medicare Charge That's Taking a Bigger Bite Out of Social Security Checks   Connect with Benjamin Brandt: Subscribe to the This Week in Retirement: http://thisweekinretirement.com Get the Retire-Ready Toolkit: http://retirementstartstodayradio.com Work with Benjamin: https://retirementstartstoday.com/start Get the book!Retirement Starts Today: Your Non-financial Guide to an Even Better Retirement Follow Retirement Starts Today in:Apple Podcasts, Spotify, Overcast, Pocket Casts, Amazon Music, or iHeart  

________________________ Get started in April on your most important project. Learn more here _________________________ Retirement planning focuses heavily on finances — investments, Social Security, and risks. But there's another question that often sneaks up on people once the career chapter closes: Do I still matter? Our guest today has spent years researching one of the most powerful psychological needs we have as human beings — the need to feel valued and to add value. Jennifer Breheny Wallace is an award-winning journalist and author of the new book Mattering: The Secret to a Life of Deep Connection and Purpose. Her work explores how feeling significant, appreciated, invested in, and depended on shapes our well-being throughout life. And her insights have important implications for retirement. Because when work ends, many people lose one of the primary places where they knew they mattered — where their contributions were visible, valued, and relied upon. In this conversation, we explore:        • Why the need to matter doesn't diminish with age       • How retirees can build what Jennifer calls a “mattering portfolio”       • The surprising research on relationships and resilience       • Practical daily actions that restore a sense of meaning and contribution If you're thinking about retirement — or already there — this conversation may change how you think about purpose, connection, and belonging in the next chapter. _________________________ Bio Jennifer Breheny Wallace is the author of Mattering: The Secret to a Life of Deep Connection and Purpose.  She is an award-winning journalist and bestselling author whose work explores the power of mattering in our everyday lives. Through research and storytelling, Wallace examines the hidden forces shaping modern life, from the crisis of meaning in achievement culture to the essential role of mattering in personal, workplace, and societal health.  Her first book, Never Enough: When Achievement Culture Becomes Toxic — And What We Can Do About It, was a New York Times Bestseller, an Amazon Best Book of the Year, and a Next Big Idea selection. Wallace is the founder of The Mattering Institute, whose mission is to create cultures of mattering in workplaces and communities, and co-founder of The Mattering Movement, a nonprofit whose mission is to create cultures of mattering in K-12 schools. Wallace has partnered with The LEGO Group on its global Play Unstoppable campaign to address perfectionism and grow confidence through play. She has also consulted with Calm wellness app, Netflix, and is a BCG  BrightHouse Luminary. She serves on the University of Michigan’s Well-being Collective Advisory Council, and the Advisory Board for Making Caring Common, a project of the Harvard Graduate School of Education. Wallace is a Journalism Fellow at The Center for Parent and Teen Communication at the Children's Hospital of Philadelphia. After graduating from Harvard College, Wallace was a journalist for CBS “60 Minutes” and was part of the team that won The Robert F. Kennedy Awards for Excellence in Journalism. She is a contributor to The Wall Street Journal and The Washington Post and frequently appears on national television programs to discuss her work. Wallace serves on the board of the Coalition for the Homeless in New York City, where she lives with her husband and their three children. ___________________________ For More on Jennifer Breheny Wallace Mattering: The Secret to a Life of Deep Connection and Purpose by Jennifer Breheny Wallace Website ___________________________ Mentioned in This Retirement Podcast  The Retirement Crisis No One Warns You About: Mattering – The Wall Street Journal Video: Taylor Mali (What Do You Make?) ____________________________ Your choices shaped your career. But when retirement approaches, a new design challenge appears. Not a financial one. A life design challenge. What will your days look like? What will energize you?  What might the next five years become? In the Designing Your New Life in Retirement program, you’ll step back from the fray and apply design thinking to those questions, with a bias for action. Learn more here. Our next two groups begin in April. Join us and get started on your most important project. _____________________________ Podcast Conversations You May Like What Matters Most – Diane Button How to Live a Meaningful Life – Dave Evans Retiring: Creating a Life That Works for You – Teresa Amabile ____________________________ About The Retirement Wisdom Podcast There are many podcasts on retirement, often hosted by financial advisors with their own financial motives, that cover the money side of the street. This podcast is different. You'll get smarter about the investment decisions you'll make about the most important asset you'll have in retirement: your time. About Retirement Wisdom I help people who are retiring, but aren't quite done yet, discover what's next and build their custom version of their next life. A meaningful retirement doesn't just happen by accident. Schedule a call today to discuss how the Designing Your Life process created by Bill Burnett & Dave Evans can help you make your life in retirement a great one — on your own terms. About Your Podcast Host Joe Casey is an executive coach who helps people design their next life after their primary career and create their version of The Multipurpose Retirement.™ He created his own next chapter after a 26-year career at Merrill Lynch, where he was Senior Vice President and Head of HR for Global Markets & Investment Banking. Joe has earned Master's degrees from the University of Southern California in Gerontology (at age 60), the University of Pennsylvania, and Middlesex University (UK), a BA in Psychology from the University of Massachusetts at Amherst, and his coaching certification from Columbia University. In addition to his work with clients, Joe hosts The Retirement Wisdom Podcast, ranked in the top 1% globally in popularity by Listen Notes, with over 1.6 million downloads. Business Insider recognized Joe as one of 23 innovative coaches who are making a difference. He's the author of Win the Retirement Game: How to Outsmart the 9 Forces Trying to Steal Your Joy. ______________________________ Wise Quotes On Adding Value “I found this very common thread among the hundreds of people that I interviewed who, when they were going through a life transition—if it was retirement or grief, getting divorced, all these things—what they did over and over again was that they found new ways to add value. And so they would look for what I call in the book a genuine need in the world. And then they would use either their time or their talents or their treasure to meet those needs. It's kind of a handy formula for finding purpose.” On Your Mattering Portfolio “Plan your retirement social portfolio—your mattering portfolio—as carefully as you plan your financial portfolio…You are only one decision, one action away from getting back on that path to mattering.”  

With oil prices pushing above $100 amid escalating Middle East tensions, Brian Wiley and Jeremiah Bates open the show by breaking down what geopolitical shocks can mean for markets, inflation, and investor sentiment. They discuss more about how headlines surrounding energy prices and global conflict can amplify volatility, but also explain why long-term investors should focus more on portfolio structure and diversification rather than reacting emotionally to short-term news cycles. The conversation then shifts into deeper retirement planning strategy. Using real-world experiences, the guys walk through Roth conversion planning, including how investors with large IRA balances should think about converting money over several years to manage future taxes and required minimum distributions. They explore the trade-offs between converting aggressively versus managing tax brackets, how those decisions interact with Social Security timing, and why planning for unknown life expectancy makes retirement strategy more complex than simple math. Brian and Jeremiah also touch on broader financial planning topics including market volatility, inflation expectations, estate planning considerations, and the importance of having a coordinated strategy across taxes, investments, and retirement income.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts Jeremiah Bates & Brian Wiley ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

Retirement isn't the end — it's your Encore Act. In this episode, John and Marcia explore what it really means to transition into retirement with purpose, clarity, and financial confidence. Marcia, the Social Security Maven, breaks down practical strategies for navigating Social Security, planning your next chapter, and using tools like 401K loans to fund major life moves. John shares his bold plan to purchase a historic island off the Chesapeake Bay and turn it into a retreat that blends legacy, entrepreneurship, and family collaboration. Together, they discuss how retirement can become a launchpad for creativity, lifelong learning, and meaningful reinvention.  

Karachi Protests, Hania Aamir & Cancel Culture, Social Security for Women - Aurat March Karachi #TPE

Pigweed and Crowhill drink and review Lindemans Pecheresse, a Belgian Fruit Lambic, then discuss the show's uncanny ability to predict the future. In this episode we update past topics and predictions. An earlier show discussed kill switches and cameras in cars. There have been some developments to that story. On the show where we questioned whether psychiatry is science (mostly it isn't), the boys asked if it was time to bring back involuntary commitment. We also discussed the over-prescription of psychiatric drugs and the interesting correlation between mental health and going to church. Pigweed called attention to the problem of cousin marriage, and what do you know? -- Britain is experiencing a huge rise in birth defects as a result of cousin marriage from Pakistani immigrants. At peak trans madness, the boys predicted a time when the monsters who are promoting this barbarity were fined and jailed. We're starting to see it happen. Recently, some of these ghoulish doctors were fined millions of dollars for performing a double mastectomy on a child. The boys did a show calling out gerrymandering foolishness, but Maryland is still going full speed ahead. To "protect democracy," of course. Another show on Persia predicted the bombs would start dropping within ten days. That prediction was exactly right. They also predicted that the regime will fall in two months. That prediction is still outstanding. The boys discuss the ongoing Iran war. Re: the infrastructure show we update the "sewage in the Potomac" story and wonder again why the "mainstream press" is so uninterested. We recap the Julian Assange and Edward Snowden situation. Trump is now considering pardoning them and then bringing them in to help expose corruption inside the intelligence system. That would be interesting. The show ends with a letter from long-time listener and contributor JR about whether Social Security is a Ponzi scheme.

On the show this week, I draw on real-world experiences from current retirees to uncover the surprises, challenges, and valuable lessons they wish they'd known before stepping into retirement. If you're curious about the realities of social interaction after leaving the workforce, managing rising healthcare costs, or navigating company-specific 401(k) features, this episode is for you.    You will want to hear this episode if you are interested in... [00:00] Retirement lessons from retirees [08:23] Prioritizing tax planning in retirement [15:06] Retirement accounts & investment insights [20:20] Surprises, joys, and challenges of retirement [25:40] Retirement costs and income trends [29:33] Feeling free and contented as a retiree   Real-World Wisdom for a Confident Retirement We imagine endless free time, new adventures, and freedom from work stress—but what is retirement really like? In my years guiding clients through retirement, I often ask retirees, "What surprised you most?" What do you wish you'd known? What would you warn others about? These questions have uncovered truths that go beyond finances and touch on the emotional, social, and practical realities of retirement. Social Connections: The One Thing You Can't Save for in an Account One of the biggest things retirees miss from their working years is the daily social interaction. While the freedom from commutes, meetings, and workplace stress is lauded, losing those daily connections can leave a gap that's hard to fill. For those who draw much of their sense of identity and purpose from their careers, this can be especially jarring. Structuring your weeks, finding new sources of community, and keeping your mind engaged become just as important as managing your income streams. Health, Taxes, and the True Cost of Living Even with careful planning, some expenses in retirement can catch people off guard. Health insurance costs (including deductibles, vision, and dental plans) often rise higher than expected. The end of workplace group insurance makes the cost and complexity of health coverage feel much more real. Inflation and utility bills also bite into budgets—sometimes spiking enough that even conservative projections fall short. For example, one of my clients saw their trash bill go up by 35% and their homeowners' insurance by 25% in a single year. Taxes are another recurring theme. Many are surprised to learn that not only do taxes not disappear in retirement, but they can be significant, particularly with Social Security benefits subject to federal (and, in some states, local) taxation. Time, Freedom, and Flexibility It's not all challenges, of course. Many retirees I know say they actually enjoy retirement more than expected. The ability to control your schedule, indulge in more travel (with strategic timing to save money), and enjoy less stress are rewards that many say "you can't put a price on." When every day is a Saturday, the power to choose makes all the difference. Preparation Outweighs Guesswork If there's one recurring thread, it's this: those who enjoy retirement most are the ones who entered it with a clear, written plan. Whether forced into it early by layoffs or health issues, or able to choose the optimal time, being prepared gives you confidence and flexibility. My advice is don't wait, start planning well before your retirement date, and remember to factor in the emotional side of retirement, not just the dollars and cents. Then review your plan with professionals who can help you adapt as things change. Retirement isn't just about the numbers, it's about building a life with meaning, joy, and resilience. Listen to those who've been there, adapt to life's surprises, and give yourself the best chance to retire strong, happy, and worry-free.   Resources & People Mentioned 3 Steps to Retirement Planning   Connect With Gregg Gonzalez Email at: Gregg.gonzalez@lpl.com Podcast: https://RetireStrongFA.com/Podcast Website: https://RetireStrongFA.com/ Follow Gregg on LinkedIn Follow Gregg on Facebook Follow Gregg on YouTube Subscribe to Retirement Made Easy On Apple Podcasts, Spotify, Google Podcasts  

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

A survey from Allianz found that 64% of Americans worry more about running out of money than death. Host Robert Brokamp offers eight suggestions for making your portfolio last forever or until you die, whichever comes first. Also in this episode:-The K-shaped economy is starting to look more like an E as middle-income Americans tread water and are showing signs of strain.-Oil prices are skyrocketing, exceeding the so-called Hamilton Trigger – the point when an oil shock becomes a drag on the economy.-Over the past 125 years, U.S. equities have grown from 15% to 62% of the global stock market, despite the fact that 80% of the U.S. stock market in 1900 was in industries that are small or extinct today.-Download your Social Security statement to see how much you're projected to receive at various claiming ages – just make sure you know how to interpret the projections. Host: Robert Brokamp, CFP®Engineer: Bart Shannon  Disclosure: Advertisements are sponsored content and provided for informational purposes only. The Motley Fool and its affiliates (collectively, “TMF”) do not endorse, recommend, or verify the accuracy or completeness of the statements made within advertisements. TMF is not involved in the offer, sale, or solicitation of any securities advertised herein and makes no representations regarding the suitability, or risks associated with any investment opportunity presented. Investors should conduct their own due diligence and consult with legal, tax, and financial advisors before making any investment decisions. TMF assumes no responsibility for any losses or damages arising from this advertisement.We're committed to transparency: All personal opinions in advertisements from Fools are their own. The product advertised in this episode was loaned to TMF and was returned after a test period or the product advertised in this episode was purchased by TMF. Advertiser has paid for the sponsorship of this episode.Learn more about your ad choices. Visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

What happens when world events ignite sudden market chaos—and is your retirement plan ready to hold steady? Join Kyle Jones and Matt Allgaier as they pull back the curtain on how conflict, oil prices, and headline shocks ripple through the markets and your investments. Discover practical ways to gauge your risk tolerance, questions every advisor should answer, and how an overlooked portfolio “litmus test” could reveal surprising cracks in your financial defenses. Don't miss the unseen threats and critical conversations that could define your next financial crossroads.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.

A decorated U.S. veteran survives combat overseas—only to be murdered at home by a convicted ISIS supporter who had already pleaded guilty to terrorism charges. Tara exposes the shocking case, the immigration and national security failures surrounding it, and why some say the messaging battle in Washington is being lost. Why was a convicted terrorist free in America—and who's being held accountable? Episode Summary: In this explosive episode, Tara examines the shocking killing of a beloved American veteran who survived deployments during Operation Iraqi Freedom and other overseas missions—only to be murdered on U.S. soil by a man who had already pleaded guilty to providing material support to ISIS. According to former FBI Special Agent Nicole Parker, the attacker had been convicted of terrorism charges but was later released and living freely in the United States. Tara and Lee discuss the controversy surrounding how a naturalized citizen convicted of supporting a terrorist organization was not denaturalized and deported. The episode also recounts the dramatic and terrifying moment when unarmed students reportedly confronted the attacker after the killing, ultimately subduing him themselves to stop the threat. Beyond the tragic event, Tara shifts to the broader political battle over border security, immigration enforcement, and national messaging. She argues that Republicans are failing to effectively communicate their case to the American public, despite what she claims are strong facts on issues like suspected terrorists entering the country and alleged misuse of Social Security numbers. The show closes with a critique of political messaging strategies in Washington, arguing that the lack of a coordinated communication strategy could cost political momentum on major issues including immigration, Iran policy, and the economy. Key Topics Covered: Murder of a U.S. veteran by a convicted ISIS supporter Debate over denaturalization and deportation for terrorism convictions The role of immigration policy in national security debates Students confronting and stopping the attacker Political messaging battles surrounding immigration and terrorism Criticism of Republican communication strategy The broader fight over public opinion on national security He survived war overseas—but was killed at home by a convicted ISIS supporter. The question shaking the country: Why was the attacker still free in America? Why Was a Convicted Terrorist Free in the U.S.? #NationalSecurity #BorderDebate #ImmigrationPolicy #Terrorism #USPolitics #AmperWave #BreakingNews

If you don't get things right during this important window of time, your retirement likely won't be what you hoped... This 10 year period of time will determine the trajectory of your entire retirement. Prepare correctly and you will enjoy a fulfilling life without worry. Little preparation and poor execution and you will be wishing you could get a do over... Only problem is, you get one shot at retiring right the first time.

Social Security might be one of the biggest financial decisions you'll ever make, and it's rarely as simple as "take it early" or "wait until 70." Nick is joined by Eric Hogarth, CFPⓇ  and senior partner at Johnson Brunetti, to walk through how filing decisions affect income, taxes, and long-term retirement confidence. With hundreds of potential filing combinations and real consequences for spouses and families, this is not a decision to guess on. Here's what we discuss in this episode:

A top committee Democrat wants more information on DOGE's activities at the Social Security Administration. Ranking Member Gary Peters on the Senate Homeland Security and Governmental Affairs Committee, is calling for a full and independent investigation of DOGE's use of sensitive agency information. The senator's push comes after reports that DOGE's access to Social Security systems put Americans' personal information at risk and potentially violated the law.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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

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In this episode we answer emails from TJ, John and Optimus Bill.  We discuss TJ's modified Golden Ratio portfolio and backtests, maximizing withdrawals with flexibility, ZROZ vs. TLT simulated leverage, gambling problems, intermediate accumulation to pay down a mortgage, and assorted allocations questions about mid-caps and other funds.We also talk about our Fairfax CASA fundraiser in our Queen Mary segment and a recent Catching Up to FI presentation at the end.Links:Links:Fairfax CASA Donation Page:  Donate - Fairfax CASATJ's Portfolio:  testfol.io/?s=gJEgezdqVdyPortfolio Charts Risk Parity style Accumulation Article:  Minimize Your Miss – Portfolio ChartsRisk Parity Chronicles ZROZ vs. TLT Analysis:  Bond Allocation Sizing - Google SheetsRisk Parity Chronicles KBWP Article:  The Search for a Low-Beta Equity Unicorn - by JustinCatching Up to FI Presentation:  Catching Up To FI Illinois/Wisconsin Meeting Presentation - YouTubeCatching Up to FI Presentation Slides:  The_Risk_Parity_Mission for Catching Up To FI.pdf - Google DriveCatching Up to FI Presentation Summary Video:  Catching Up To FI Risk Parity Portfolios Meeting and Presentation.mp4 - Google DriveBreathless Unedited AI-Bot Summary:A listener writes from overseas with a situation that strips retirement down to the essentials: no pension, no Social Security “backup plan,” and a real need to get the portfolio right. We walk through his modified Golden Ratio style allocation using growth and value funds, small-cap value tilts, long-duration Treasury strips, gold, and alternatives like DBMF, then talk about what matters more than a pretty spreadsheet: whether you can live with the drawdowns and keep the plan steady for decades.From there we get practical about retirement withdrawals and the assumptions hiding underneath them. We explain why a 5.5% withdrawal rate can be realistic when you pair it with flexible rules like a floor and ceiling approach, and why “inflation” is not one number that applies to everyone. If you're living abroad, spending in another currency, or even willing to relocate, your personal inflation experience can diverge from CPI, which changes how you should think about risk, resilience, and what flexibility is worth.We also tackle the investor temptations that never seem to go away: debating ZROZ versus TLT, obsessing over duration ratios, and tinkering with allocations when the market gets loud. We share a simple constraint that helps many DIY investors stay sane: build a small sandbox for experiments so your core portfolio stays intact. We finish with an intermediate accumulation question about investing toward a future mortgage payoff, plus a clear framework for why splitting short and long Treasurys can be useful, and why international diversification often shows up as currency exposure in modern markets. Subscribe, share this with a friend who's rebuilding their portfolio, and leave a review with the withdrawal rate question you're trying to answer.Support the show

It's one thing to thank God before a meal. It's another thing entirely to thank Him before sending off a tax payment. For many Christians, taxes are rarely associated with gratitude. They often feel like a burden—an interruption to our financial plans or resources we'd rather use elsewhere. But Scripture invites us to view taxes through a very different lens. Instead of seeing them merely as a loss, believers can see them as a reminder of God's provision and His sovereignty, and as an opportunity to live with integrity. Why Taxes Stir Frustration Few topics unite people quite like a shared dislike of paying taxes. It's easy to think, if I could just keep that money, I could do something better with it. And when government policies conflict with our convictions—or headlines highlight waste or corruption—resentment can grow even stronger. Yet Scripture calls us to approach the issue differently. Instead of responding with frustration alone, the Bible encourages gratitude, humility, and trust in God's sovereign rule. In Matthew 22:17, the Pharisees tried to trap Jesus with a political question: “Is it lawful to pay taxes to Caesar, or not?” Jesus responded by asking for a coin and pointing to the image stamped on it. His reply has echoed through history: “Render to Caesar the things that are Caesar's, and to God the things that are God's.” (Matthew 22:21) This answer was remarkable. Taxes under Rome were deeply unpopular. Rome was an occupying force, and tax revenue helped sustain a system that oppressed God's people. Yet Jesus did not call for revolt or avoidance. Instead, He acknowledged that paying taxes fits within God's ordering of society while making it clear that our ultimate allegiance belongs to God. Coins may bear Caesar's image, but our lives bear God's image—and they belong fully to Him. Trusting God's Sovereignty The apostle Paul reinforced this principle in Romans 13:6–7, writing during the reign of Nero—hardly a model of righteous leadership: “Because of this you also pay taxes, for the authorities are ministers of God… Pay to all what is owed to them: taxes to whom taxes are owed, revenue to whom revenue is owed, respect to whom respect is owed, honor to whom honor is owed.” Notice what Paul does not say. He doesn't ground obedience in the goodness of government. Instead, he points to the sovereignty of God. Paying taxes, then, is not primarily an expression of confidence in a human system. It is a recognition that God ultimately rules over nations, leaders, and history itself. Taxes Reveal God's Provision There is another perspective on taxes that believers often overlook. Before you pay a single dollar in taxes, something has already happened: God has provided. A mentor of mine, Ron Blue, often says around tax time, “Taxes represent God's provision.” If God had not provided income, there would be no taxes to pay. Think about it. Taxes imply that: Work was available. Income was earned. Needs were met. Daily bread was provided. In other words, taxes—uncomfortable as they may feel—are evidence that God has supplied what we need. Gratitude allows us to see provision before we see loss. Instead of asking only, How much am I paying? We can ask, What does this reveal about God's faithfulness? Integrity in a Culture of Loopholes This perspective also shapes how Christians respond during tax season. In a world full of shortcuts, loopholes, and justifications, believers are called to something different: integrity. Honesty in financial matters—especially the ones no one else sees—forms Christlike character. Filing accurately, reporting honestly, and paying what is owed becomes an act of discipleship. It's a quiet but powerful testimony of a life shaped by trust in God rather than self-protection. Turning Taxes into a Spiritual Discipline Finally, paying taxes can even become a spiritual discipline. Each time you write that check or submit that payment, let it prompt you to pray. Pray that God would guide leaders with wisdom, justice, and humility. Pray for policies that protect the vulnerable and promote the common good. Pray for leaders who recognize their need for God's guidance. You may disagree with those leaders. You may even oppose their policies. But Scripture reminds us they are still people made in God's image—people who need God's help just like the rest of us. In a culture eager to complain, believers have the opportunity to respond differently. When tax season arrives: Remember the Owner: God owns everything, including the income from which taxes are paid (Psalm 24:1). Recognize the Provider: Taxes remind us that God has provided resources in the first place. Respond with Integrity: Honesty reflects a heart that seeks to honor Christ. Reframe with Gratitude: Thank God for His provision rather than focusing only on what is owed. Respond with Prayer: Let taxes prompt intercession for leaders and systems of government. When viewed through the lens of Scripture, even something as mundane—and often frustrating—as taxes can remind us of deeper truths: God provides, God rules, and God calls His people to live with gratitude and integrity. Go Deeper: Our Ultimate Treasure If you'd like to explore these themes of stewardship, gratitude, and God's ownership more deeply, consider reading Our Ultimate Treasure: A 21-Day Devotional to Faithful Stewardship. This devotional walks through the biblical foundations of money and stewardship, helping readers see that financial decisions are ultimately spiritual decisions. Over 21 days, you'll discover how Scripture reshapes the way we think about earning, spending, saving, giving—and even paying taxes. You can learn more or order your copy at FaithFi.com/Shop. On Today's Program, Rob Answers Listener Questions: I've inherited about $100,000 and don't know how to invest it. I'm 75, retired, debt-free, and living on a pension and Social Security. What are some safe options—like CDs or high-yield savings—that still give me access to the money if needed? My husband and I are separated. He's retired and receiving Social Security and a pension, while I'm still working. Can I claim spousal Social Security benefits on his record while we're separated, and would that reduce his benefit? I'm 56 and have about $310,000 in an old 401(k) and $268,000 in my current one. With market volatility, I'm considering moving the old account into a 10-year fixed annuity for safety. Is that a wise move? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Christian Community Credit Union | AdelFi Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In the 6 AM hour, Larry O'Connor and Bethany Mandel discussed: MCAULIFFE RUN: Former Virginia First Lady Dorothy McAuliffe announces her candidacy for Congress in Virginia's potential new 7th District, positioning herself as an anti-ICE leader. CANCEL CULTURE: Actress Katherine Heigl faces backlash from fans for attending a dog rescue event at Mar-a-Lago; she hit back by stating, "Animals don’t vote." SOCIAL SECURITY: New warnings that Social Security could be insolvent within six years, driven by a shrinking worker-to-retiree ratio and increased life expectancy. LYNCHBURG ICE: The Lynchburg City Council unanimously votes to continue full cooperation with ICE, defying Governor Spanberger’s statewide sanctuary directives. Where to find more about WMAL's morning show: Follow Podcasts on Apple Podcasts, Audible, and Spotify Follow WMAL's "O'Connor and Company" on X: @WMALDC, @LarryOConnor, @JGunlock, @PatricePinkfile, and @HeatherHunterDC Facebook: WMALDC and Larry O'Connor Instagram: WMALDC Website: WMAL.com/OConnor-Company Episode: Thursday, March 12, 2026 / 6 AM HourSee omnystudio.com/listener for privacy information.

New reporting and deposition footage have raised serious questions about the people from DOGE, including staffers who reportedly had access to sensitive government data like Social Security information, and one particularly painful deposition where a staffer pushing anti-DEI policies struggled to even explain what DEI actually stands for. All this from the same crowd that was aggressively pushing efforts to strip references to Black history, women's history, and diversity initiatives from public institutions. So this morning Don breaks down the latest revelations, the uncomfortable depositions, and the bigger question: who exactly was put in charge of the country's data and institutions… and did they have any idea what they were doing?

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

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

U.S. government agencies continued to have low compliance with a statute designed to ensure that federal websites, software, and other products are accessible for people with disabilities, according to a recent federal review. In a new report, the General Services Administration found that alignment with the accessibility statute known as Section 508 was a 1.96 on a 5-point scale, continuing a trend of lacking compliance. GSA reported that roughly half of agencies didn't review accessibility for their most-used information and communication technology tools, and the majority of agencies don't conduct usability testing with people who have disabilities before resources are deployed or published. The poor compliance showing follows similar findings from past GSA reviews and indicates that more work is needed to help agencies comply. As a result, GSA concluded its report with recommendations that Congress both update the statute to clarify requirements and strengthen enforcement and oversight of agency compliance. The annual report is required by statute and was prepared in consultation with the White House Office of Management and Budget and the U.S. Access Board, an independent agency that establishes Section 508 standards. The report includes responses from 212 agencies, parent agencies, and other components. Its publication follows changes to the review process aimed at reducing the reporting burden on agencies. The top Democrat on the Senate Homeland Security and Governmental Affairs Committee is demanding a full, independent investigation into new reports of DOGE representatives improperly accessing and transferring Social Security Administration data. In a press release sent Tuesday, Sen. Gary Peters, D-Mich., said “new disclosures revealed DOGE personnel may have broken federal law and exposed Americans' most sensitive personal information, including Social Security numbers.” The release came shortly after the Washington Post reported that an SSA whistleblower said a former DOGE engineer put sensitive information from two agency databases — Numident and the Master Death File — on a thumb drive and planned to share that data with his private-sector employer. Democracy Forward, which represents several labor groups in a lawsuit against SSA over DOGE's “unprecedented data grab,” filed a notice of factual development Tuesday in response to the Post's reporting. The new court filing said the revelations in the article “are consistent with the substantial issues … of disclosures beyond SSA and the federal government as a whole and the ongoing risk of further disclosures of such uncontrolled data.” Peters' press release references the Post's story, but also highlights a January court filing from the Department of Justice that disclosed the use of an unapproved third-party server and communication between DOGE and an advocacy group seeking “evidence of voter fraud.” The Daily Scoop Podcast is available every Monday-Friday afternoon. If you want to hear more of the latest from Washington, subscribe to The Daily Scoop Podcast  on Apple Podcasts, Soundcloud, Spotify and YouTube.

Tax season just got a major overhaul. The One Big Beautiful Bill changed more tax rules than anything since 2017, and if you're over 65, retired, or earning tip or overtime income, you could be leaving serious money on the table. In this episode of Friends Talk Money, we sit down with Lisa Green-Lewis, TurboTax spokesperson and trusted tax expert, to break down every major change you need to know before you file. The NEW $6,000 deduction for seniors and who qualifies Tips & overtime income deductions - brand new for 2025 Auto loan interest deduction - what cars qualify Social Security & taxes - the surprise that shocks retirees RMDs, Roth conversions & how to avoid a massive tax bill IRS audits - should you be worried? Free filing options and how to get help Whether you use TurboTax, work with an accountant, or file on your own - this episode could save you thousands. Don't miss it.  TurboTax Free Filing: https://www.turbotax.com AARP Free Tax Help: https://www.aarpfoundation.org/taxhelp

In this episode of Your Investment Partners, hosts Garrett Smith and Paul Norman examine the Social Security Fairness Act and what it means for retirees and government employees. They break down the repeal of the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO), explaining how the changes may impact individuals who worked in both government and private-sector roles. The conversation also addresses how retroactive legislation can affect financial plans and what investors can do to prepare for future policy changes. Garrett and Paul outline strategies such as building excess capacity in retirement plans, maintaining liquidity, and preparing for tax implications when unexpected payments occur. Key Points From This Episode ● Introduction to the Social Security Fairness Act and its potential impact● Explanation of the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO)● Which workers are most affected, including teachers, firefighters, police officers, and certain federal employees● How the legislation repeals WEP and GPO and adjusts Social Security benefits● The concept of retroactive law changes and how they can affect past income or benefits● Historical examples of retroactive policy changes, including tax law adjustments● Building excess capacity in retirement planning to account for unexpected policy shifts● Importance of liquidity in investment portfolios when financial rules change● Balancing illiquid investments with accessible assets to maintain flexibility● Tax considerations when receiving unexpected payments or lump sums● Lessons from the PPP loan program about evolving government guidance● Setting aside funds to cover uncertain tax liabilities or future changes● Why government employees should verify whether they qualify for benefits under the new law Want to learn more? Contact us hereUseful Links Garrett on LinkedIn Paul on LinkedIn Ascend Investment Partners

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

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

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

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

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

In this episode, host Melanie welcomes retirement planning expert and author Jeremy Keil to discuss the five essential steps to creating a secure and fulfilling retirement. Together, they unravel common questions like, "How much do you need to retire?" and explore how to blend Social Security, investments, and pensions for reliable income. Jeremy explains the real purpose behind Social Security, demystifies Roth conversions and tax-saving strategies, and addresses practical issues like handling property taxes and considering reverse mortgages.

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

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

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

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

Broadcast live from RetireMeet in Bellevue, Don announces that after nearly four decades of Saturday radio shows, Talking Real Money will end its live radio run on March 28 and continue exclusively as a podcast. The episode features conversations with Joe Saul-Sehy of Stacking Benjamins and Morningstar's Christine Benz about how people should approach retirement. The central theme is flipping the traditional process: design the life first and the money second. Guests emphasize “play-testing” retirement activities before leaving work, gradually transitioning into retirement rather than stopping abruptly, maintaining strong social connections, and keeping purposeful work or learning in later life. The discussion closes with Benz's practical financial steps for retirement planning, including tracking spending, accounting for Social Security and pensions, and using flexible withdrawal strategies supported by fiduciary advice. 0:04 Live broadcast from RetireMeet in Bellevue and show introduction 2:58 Don announces the end of the Saturday live radio show after nearly 40 years 3:59 Transition to a podcast-only format beginning in April 4:43 How listeners can switch to listening via podcast apps or the website 6:41 Introduction of Stacking Benjamins host Joe Saul-Sehy 8:09 Discussion of Stacking Benjamins community meetup groups 9:25 Trivia detour about the $500 bill featuring William McKinley 9:36 Joe's retirement philosophy: design the life first, then the financial plan 10:56 “Begin with the end in mind” when planning retirement 11:23 The concept of “play-testing” retirement activities before retiring 13:51 Warning about AI impersonation podcasts and fake financial shows 15:20 Joe Saul-Sehy's career change after selling his advisory firm 16:37 Discovering a passion for teaching about money through media 17:33 Continuing meaningful work rather than fully retiring 18:07 Humor about a future podcast called “Two Old White Guys Waiting to Die” 18:48 Core message: experiment with retirement interests now 19:38 Christine Benz of Morningstar joins the conversation 21:04 Retirement as more than leisure—importance of purpose 21:59 Gradually transitioning into retirement during your 50s 22:58 Shaping work to emphasize what you enjoy most 24:21 Christine's approach to scaling back work travel 26:22 Lifelong learning through podcasting and interviews 27:49 Whether it's okay not to retire if you enjoy your work 28:27 Relationships and social connection as the key to retirement happiness 29:40 Introverts and maintaining meaningful friendships 30:05 Research on aging, happiness, and social environments 31:28 Discussion about the future of retirement communities 33:56 Christine's three key financial steps before retirement 34:42 Calculating retirement spending and non-portfolio income 35:22 Safe withdrawal rates: 3.9% fixed vs flexible strategies near ~5.7% 36:09 The value of fiduciary financial advisors in retirement planning Learn more about your ad choices. Visit megaphone.fm/adchoices

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