Podcasts about social security

Can you believe it's 2026 already?? Ready or not here we go! In this episode, I'm sharing the updated tax brackets, standard deductions, capital gains brackets, IRMAA brackets, provisional income brackets, and more.

In this episode, Mardi Winder sits down with Marcia Mantell to talk about one of the most important and often overlooked parts of life after divorce. your financial future. Marcia brings years of experience helping women understand retirement planning, Social Security, and how to rebuild confidence around money, especially when a divorce changes everything you thought your future would look like.Together, Mardi and Marcia talk about why so many women feel uncertain when it comes to long-term planning and how divorce can leave you feeling like you are starting over. Marcia explains in clear, practical language what women often miss when they are focused on simply getting through the legal settlement and why it matters to look further ahead. She also explains the Social Security formula and how the system offers an option for women or men who have spent years out of the workforce due to children or other issues. Together, they explore how to ask better questions, how to work with financial professionals, and how to step into money conversations with more clarity instead of fear or doubt. Marcia also shares insight into the unique challenges of divorce later in life and what women need to know about Social Security timing, benefits, and creating a sustainable plan for the years ahead. Throughout the conversation, listeners are reminded that it is never too late to get informed, make empowered decisions, and build a future they feel secure in.This episode is both reassuring and practical, offering thoughtful guidance for anyone who wants to feel more confident, prepared, and at peace about what comes next financially after divorce.About the Guest:Marcia Mantell is the founder of her own small business, Mantell Retirement Consulting, which is celebrating 20 years this year. Marcia is known for taking the complicated retirement, Social Security, and Medicare rules and translating them into language we can all better understand. And she's the author of 4 retirement books, a long-time blogger, a media columnist, and a podcast guest. Whether writing about or talking about retirement, she takes the opportunity to share as many helpful tips and tricks as possible. It's all about making a successful transition into retirement.To connect with Marcia and access her complimentary resources: https://boomerretirementbriefs.com/LinkedIn: https://www.linkedin.com/in/marciamantell/ Facebook: https://www.facebook.com/search/top?q=boomer%20retirement%20briefsAbout the Host: Mardi Winder is an ICF and BCC Executive and Leadership Coach, Certified Divorce Transition Coach, Certified Divorce Specialist (CDS®) and a Credentialed Distinguished Mediator in Texas. She has worked with women in executive, entrepreneur, and leadership roles, navigating personal, life, and professional transitions. She is the founder of Positive Communication Systems, LLC, and host of Real Divorce Talks, a quarterly series designed to provide education and inspiration to women at all stages of divorce. Are you interested in learning more about your divorce priorities? Take the quiz "The Divorce Stress Test".Connect with Mardi on Social Media:Facebook - https://www.facebook.com/Divorcecoach4womenLinkedIn: https://www.linkedin.com/in/mardiwinderadams/Instagram: https://www.instagram.com/divorcecoach4women/Youtube: https://www.youtube.com/@divorcecoach4womenThanks for Listening!Thanks so much for listening to our podcast! If you enjoyed this episode and think that others could benefit from listening, please share it using the social media buttons on this page.Do you have feedback or questions about this episode? Leave a comment in the section below!Subscribe to the PodcastIf you would like to get automatic updates of new podcast episodes, you can subscribe to...

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Federal Employee Health Benefits (FEHB) & Medicare Part B Explained: What Every Federal Worker and Retiree Must Know in 2025” — get the facts on FEHB cost changes, Medicare coordination, and retirement health planning to avoid unnecessary premium spending and coverage gaps. Discover whether combining FEHB with Medicare Part B or supplements makes sense for you.

The brief describes how recent incidents collectively show a rapidly evolving, increasingly interconnected global cyber threat landscape that blends financial crime, strategic espionage, physical-world risk, and systemic surveillance failures.Financially Driven CybercrimeCybercriminals are shifting to low-interaction, trust-exploiting techniques, such as clipboard-hijacking malware masquerading as “KMSAuto” that silently replaces copied crypto wallet addresses and has impacted millions of systems.Fraudsters are also using AI-generated images and video to fake damaged goods and exploit e-commerce refund policies at scale, turning automated, trust-based processes into predictable profit channels.Strategic-Scale Data TheftLarge data breaches like the Aflac incident show adversaries targeting core personal identifiers (e.g., Social Security numbers, IDs, medical data), creating permanent assets for identity theft, fraud, and social engineering rather than quick monetization.Espionage campaigns such as “Zoom Stealer” use malicious browser extensions to harvest meeting links, topics, participant data, and passwords, enabling persistent corporate spying and highly customized social-engineering attacks.Digital-Physical Convergence of ThreatsDemonstrations of hijacking AI-controlled robots via voice commands illustrate how user-friendly features can be weaponized, enabling cascading compromises and potential physical harm as robots infect one another and execute dangerous actions.Concepts like space “zone effect” weapons—clouds of orbital debris able to damage any satellite passing through—highlight how hostile capabilities can create indiscriminate, long-lasting risks to civilian, commercial, and military infrastructure worldwide.Insecure Surveillance as Systemic RiskBoth government and private surveillance systems can become mass-exposure hazards when basic security is neglected, as seen with an unprotected national license plate database and misconfigured AI camera networks streaming footage openly.These failures turn tools designed for safety and control into uncontrolled sources of sensitive data, undermining public trust and creating new exploitation opportunities at societal scale.Strategic Implications for LeadersThreat motivations now span from opportunistic, high-volume fraud to patient, state-level operations against critical and space-based systems, requiring layered defenses tailored to varied adversaries and timelines.Emerging technologies like AI, robotics, and pervasive sensing are double-edged: they drive efficiency but also introduce new attack surfaces that must be secured from the design phase, not retrofitted later.The rapid deployment of mass monitoring without commensurate safeguards is generating systemic vulnerabilities, meaning resilience now depends as much on securing surveillance infrastructures as on defending traditional IT assets.

As the year comes to a close, Roger Whitney reflects on the power of words, walks through an important year-end tax planning reminder for retirees, shares listener stories and perspectives, and invites listeners to choose a guiding word for 2026 as a way to approach retirement with greater intention and clarity.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) This show is dedicated to helping you not just survive retirement, but have the confidence and clarity to lean in and rock it.(00:45) Roger reflects on slowing down, reclaiming meaning in familiar words, and recommitting to clearing the battlefield as we head into a new year.RETIREMENT TOOLKIT(03:22) Roger explains why estimated quarterly tax payments matter in retirement and how they can help prevent unwelcome tax surprises.(05:44) He outlines safe harbor rules and practical best practices for withholding taxes from Social Security, IRA distributions, and pensions.RETIREMENT LIFE LAB(13:33) Roger shares listener responses about corporate words and phrases people are eager to retire when they leave the workforce.ROCKING RETIREMENT IN THE WILD(19:33) Mick and Patty share reflections on fitness, travel, and meaning in retirement, including experiences shaped by history and family.FOCUSING FORWARD: A WORD FOR 2026(21:10) Roger discusses the practice of choosing a single word to define the coming year and reads listener-submitted words for 2026.(28:40) Roger reveals his own word for 2026.SMART SPRINT(34:07) Roger encourages listeners to reflect on the season they are entering and consider choosing a word to help guide decisions in 2026.CLOSING THOUGHTS(34:55) Roger responds to listener feedback on charitable giving and enjoying retirement, emphasizing balance, generosity, and intentional living as the year ends.REFERENCESSubmit a Question for RogerSign up for The NoodleThe Retirement Answer ManFinancial Calculators from Dinkytown.net

Jeremy Keil explains the 5 steps you can take if you are planning to retire in 2026 or 2027. If you've been planning to retire in 2026 or 2027, it might feel like you still have plenty of time. But in reality, retirement has a way of showing up earlier than expected — and when it does, the people who feel the most confident are the ones who prepared well in advance. In this episode of Retire Today, I walk through five things you should do before you quit working if retirement is anywhere on your near-term horizon. These steps aren't about picking a perfect retirement date. They're about being ready — even if your plans change. Why You Should Prepare Earlier Than You Think Two important statistics shape this entire conversation. First, the stock market is historically up about 70% of the time in any given year. That also means it's down about 30% of the time. If you're retiring soon, there's a real chance that your account balances could be lower at retirement than they are today. Second, most Americans retire about three years earlier than they expect. Health changes, job shifts, burnout, or family needs often move retirement forward — whether planned or not. That's why I encourage people to prepare for retirement three years ahead of time, even if they believe they'll work longer. Planning early gives you flexibility. Waiting too long removes it. 1. Create a Written Retirement Plan The first and most important step is to put your plan in writing. Many people have a retirement date in mind, but when asked how everything will actually work, they don't have clear answers. A written plan forces clarity. This is where the 5-Step Retirement Plan comes in: What you'll SPEND What you'll MAKE What you'll KEEP after taxes How you'll INVEST What you'll LEAVE behind Writing this down helps turn vague ideas into an actionable roadmap — and exposes gaps before they become problems. 2. Build a Lifetime Income Plan Retirement isn't about having a big account balance — it's about knowing where your income will come from every month. Before you retire, you should know: How much income you need Where that income will come from Which accounts you'll use first How taxes affect each withdrawal At a minimum, you should map out the first 12 months of retirement income in detail. That includes Social Security, pensions, savings, brokerage accounts, and retirement accounts — and the tax rules that apply to each one. Surprises here are costly. Planning removes them. 3. Make Your Retirement Plan Tax-Smart Many people assume their taxes will automatically go down in retirement. Sometimes that's true — but not always. Pensions, Social Security, required minimum distributions, and investment income can push retirees into higher tax brackets than expected. The key is understanding when you'll have flexibility and using it intentionally. Retirement often creates opportunities to: Shift income between tax years Take advantage of lower tax brackets Manage Roth conversions strategically Plan around healthcare subsidies Taxes don't disappear in retirement — they change. Planning ahead helps you adapt. 4. Plan Your Retirement Healthcare Healthcare is one of the biggest unknowns in retirement. Before you retire, you should know: What coverage you'll use immediately What it will cost How that coverage changes over time When Medicare becomes part of the picture Options may include employer coverage through a spouse, COBRA, retiree health plans, ACA plans, or Medicare — and each comes with different costs and rules. Healthcare planning isn't just about insurance. It's about understanding how medical costs interact with your tax plan and your income strategy. 5. Create a Retirement Investment Plan Retirement changes your investment timeline. You're no longer investing only for growth — you're investing for income and stability, too. That means separating your money into: Short-term funds for near-term spending Long-term investments for growth over decades Money you'll need soon shouldn't be exposed to short-term market swings. At the same time, money you won't need for many years still needs growth to keep up with inflation. The right investment plan balances both — and helps prevent panic decisions when markets get volatile. The Bottom Line If you're planning to retire in 2026 or 2027, now is the time to prepare. Not because something bad will happen — but because preparation gives you options. Retirement doesn't have to be so stressful. With a written plan, a clear income strategy, smart tax planning, healthcare clarity, and a thoughtful investment approach, you can step into retirement with confidence — whenever it arrives. 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 financial advisor in Milwaukee, WI, author of the bestseller Retire Today: Create Your Retirement Master Plan in 5 Simple Steps and host of both the Retire Today Podcast and Mr. Retirement YouTube channel Additional Links: Buy Jeremy's book – Retire Today: Create Your Retirement Master Plan in 5 Simple Steps Create your retirement master plan in 5 simple steps: www.5StepRetirementPlan.com  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

Hello, my kiddos! This show with Celia Garcia, an expert in workforce development and a Social Security specialist, revealed that the average Medicare beneficiary loses about $100,000 if they do not complete the forms correctly. In this episode, Celia Garcia will help business owners and entrepreneurs maximize workforce development, fringe benefits, and retirement. Listen up! Celia Garcia is an award-winning author and business owner. I'm Yovy D, a former media broadcaster who transitioned into podcasting in 2017. My podcasting journey was driven by a series of layoffs I experienced—three times in just five years. This desire to switch careers was a long-standing passion, dating back to my high school days when I was a devoted TV viewer, particularly of talk shows. During that time, I realized my true calling was in journalism, specifically producing content. To confirm my abilities, I decided to engage with the public and put my skills to the test.Fast forward to Today, and I've successfully launched my English podcast, "The Yovy D," while wholeheartedly embracing and celebrating my unique accent. Moreover, I've ventured into creating the "Chombita Chronicles" podcast. This podcast chronicles my life journey as a Latina and Black, college-educated individual who has been exposed to unique educational and career opportunities. The "Chombita Chronicles" is a primarily storytelling platform that advocates for and showcases the personal narratives of Afrolatinx individuals.DISCLAIMER: Please be aware that the views expressed by our guests, me, or sponsors may not necessarily reflect or align with the policies and ethical standards of ALKIRIA MEDIA PRODUCTIONS, LLC. These opinions are solely those of the individuals, agencies, or businesses involved. Additionally, explicit language may be used for illustrative purposes in the content.Show notes and links:https://jobskillsinstitute.com/https://linktr.ee/yovydhttps://www.patreon.com/Yovy_DPODCAST EDITING & VO SERVICES:https://linktr.ee/the.50fifty https://goomedia.io/about-us/https://goomedia.io/services/podcast-audio-editing/https://linktr.ee/yovyd https://www.patreon.com/Yovy_dhttps://yovyd.com/#podcaster #podcast #business #culture #diversity #spanglish #entrepreneurship #diversity #medicarecoverage #retirementplanning #socialsecuritybenefits #idoitallwithanaccent #frombroadcast2podcast

Ian Hoch drops the 2 O'clock News Bomb!

What is the Average Social Security Check By State?!?**Schedule your free virtual consultation

Brian Skrobonja closes out the year with a milestone episode that marks the final episode of 2025 and the conclusion of this version of the show. He shares the gratitude he feels for the listeners who have supported the mission, the team whose work brought each idea to life, and the recognition the podcast received from Forbes as one of the top shows by financial advisors. Tune in to hear Brian reflect on why he started this podcast, how the mission has been accomplished, and why this moment isn't an ending but the beginning of a bigger vision that will unfold in 2026. He also shares the three core truths that can reshape your financial future if you're ready to take them to heart and take action. Brian reveals that today's episode is a meaningful milestone. It closes out the year and marks the end of this version of the show. He takes a moment to thank the listeners, the production team, and Forbes for recognizing the podcast among the top in the industry. He reflects on why he started the podcast in the first place: To cut through the constant misinformation about money and share the strategies his team uses to help people achieve real financial results. Looking back, he believes that mission has been accomplished.  Brian makes it clear that this is not an ending but a transition into something bigger. He shares that a complete rebrand and new platform will be announced in 2026, designed to serve listeners at a much higher level. Before signing off, he leaves the audience with three core truths that can transform their financial future. Truth #1: Not all financial advisors are the same. Some sell products, while others build full plans that protect your assets and future. Learn how to spot the difference so your plan always comes first. Truth #2: Chasing interest rates won't make you wealthy. True financial success is about outcomes, not chasing quick wins. When your plan dictates the strategy, your money finally works for your life. Truth #3: Stop procrastinating. According to Brian, waiting for the perfect moment or strategy only delays your security and peace of mind. Taking action now, even imperfectly, moves you toward real results and freedom. Brian explains how a real financial plan protects more than your investments. It covers taxes, estate planning, long-term care, Social Security timing, and income planning. With a holistic plan, you stop guessing and start living with security and clarity. Learn why a plan comes before products. Products like stocks or insurance aren't your strategy, they are tools your plan uses to achieve your goals. When you focus on planning first, every financial move has purpose and impact. Brian reveals how to choose the right financial advisor. Look for someone who brings tax, legal, and comprehensive planning expertise to the table. The right advisor helps you use your money to build the life you want. For Brian, the secret to building wealth is taking imperfect action. Waiting for the perfect strategy or market conditions rarely works. Brian shows how moving forward, even with small steps, creates momentum and confidence.  Brian explains why financial clarity beats short-term gains. Rates of return and interest are important, but they don't define success. Outcomes, security, and a plan that fits your life always win in the long term. Even as this podcast chapter closes, bigger opportunities and tools are coming to serve you at a higher level.     Mentioned in this episode: BrianSkrobonja.com SkrobonjaFinancial.com SkrobonjaWealth.com BUILDbanking.com Common Sense Financial Podcast on YouTube  Common Sense Financial Podcast on Spotify     Alternative investments may be subject to less regulation than other types of pooled investment vehicles. Alternative Investments may impose significant fees, including incentive fees that are based upon a percentage of the realized and unrealized gains and an individual's net returns may differ significantly from actual returns. Such fees may offset all or a significant portion of such Alternative Investment's trading profits. Incorporating alternative investments into a portfolio presents the opportunity for significant losses including in some cases, losses which exceed the principal amount invested. Also, some alternative investments have experienced periods of extreme volatility and in general, are not suitable for all investors. Asset allocation and diversification strategies do not ensure profit or protect against loss in declining markets ---- BUILD Banking™ is a DBA of Skrobonja Insurance Services, LLC. Benefits and guarantees are based on the claims paying ability of the insurance company. Not FDIC insured. Results may vary. Any descriptions involving life insurance policies and its use as an alternative form of financing or risk management techniques are provided for illustration purposes only, will not apply in all situations, may not be fully indicative of any present or future investments, and may be changed at the discretion of the insurance carrier, General Partner and/or Manager and are not intended to reflect guarantees on securities performance. The term BUILD Banking™, private banking alternatives or specially designed life insurance contracts (SDLIC) are not meant to insinuate that the issuer is creating a real bank for its clients or communicating that life insurance companies are the same as traditional banking institutions. This material is educational in nature and should not be deemed as a solicitation of any specific product or service. BUILD Banking™ is offered by Skrobonja Insurance Services, LLC only and is not offered by Madison Avenue Securities, LLC. nor Skrobonja Wealth Management, LLC. ---- This content is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation. Skrobonja Financial Group, LLC, Skrobonja Insurance Services, LLC, Skrobonja Wealth Management, LLC are not permitted to offer and no statement made during this presentation shall constitute tax or legal advice. Our firms are not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Skrobonja Financial Group, LLC, Skrobonja Insurance Services, LLC, Skrobonja Wealth Management, LLC. ---- Securities offered only by duly registered individuals through Madison Avenue Securities, LLC. (MAS), Member FINRA &SIPC. Advisory services offered only by duly registered individuals through Skrobonja Wealth Management (SWM), a registered investment advisor. Tax services offered only through Skrobonja Tax Consulting. MAS does not offer Build Banking or tax advice. Skrobonja Financial Group, LLC, Skrobonja Wealth Management, LLC, Skrobonja Insurance Services, LLC, Skrobonja Tax Consulting, and Build Banking are not affiliated with MAS. Skrobonja Wealth Management, LLC is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Skrobonja Wealth Management, LLC and its representatives are properly licensed or exempt from licensure. The firm is a registered investment adviser with the state of Missouri, and may only transact business with residents of those states, or residents of other states where otherwise legally permitted subject to exemption or exclusion from registration requirements. Registration with the United States Securities and Exchange Commission or any state securities authority does not imply a certain level of skill or training. Skrobonja Wealth Management has no ownership interest, compensation arrangement, revenue-sharing agreement, or other economic relationship with Veta Investment Partners. We may allocate a portion of a client's portfolio to strategies managed by Veta Investment Partners when we determine that the allocation is appropriate for the client's objectives, risk tolerance, and overall portfolio design. Our selection of Veta's strategies is based solely on the merits of the investment and the needs of the client, and not on any financial relationship between our firms.

If nothing is done, Social Security will be cutting back benefits in less than 10 years. There are a lot of ideas to solve the problem, but no one can agree. We’ll look at some of the ideas and discussion. Like this episode? Hit that Follow button and never miss an episode!

Retirement isn’t just about saving money — it’s about turning savings into dependable income that lasts. On this episode, Raj Shah and Rick Borek unpack real-life strategies for creating predictable retirement income, navigating rising living costs, and making informed decisions about Roth options, catch-up contributions, and Social Security timing. They break down why cookie‑cutter retirement “rules” often fail and how personalized planning can close income gaps, protect spouses, and build confidence for the decades ahead. For more information or to schedule a consultation with SC Wealth Advisors visit: scwealthadvisors.com Raj Shah and Rick Borek focus on wealth management, retirement planning, personal finance, taxes, estate planning and so much more. Combined, Raj and Rick have over 55 years of financial planning experience and are eager to help you retire in the most efficient manner. See omnystudio.com/listener for privacy information.

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

Independent investigative journalism, broadcasting, trouble-making and muckraking with Brad Friedman of BradBlog.com

If you're 50+ and making catching catch-up contributions to your employer 401k plan, this episode is for you. In 2026, you might have to change how you save to your employer plan if you earn to much money. In this episode, I share what you need to know about these new rules and how you can save with intention.

In this episode, The Annuity Man and Terry Savage discuss:  What is "chicken money"? Considering future crises in your financial plan  Seeking trusted advisors  Building an income floor    Key Takeaways:  Your "chicken money" is money that you can't afford to lose. CDs, treasury bills, money markets, AAA municipal bonds, and MYGAs are suitable options. MYGAs and CDs are great for principal protection and tax deferral benefits. Focus on having an income floor and principal protection in retirement plans.  It's important to consider possible future financial crises and plan for them, regardless of political outcomes. Social Security is a primary source of retirement income.  Seek trusted financial advice from fiduciaries who fully disclose costs and operate on a fee-only basis. See to it personally that you are able to customize your financial plan according to your goals.  Have an income floor to protect yourself against market fluctuations and ensure financial stability. Social Security is a strong foundation for retirement income. Build on it with guaranteed products. Consider both the short-term and the long-term in your financial plan.    "Chicken money, by definition, is money you cannot afford to lose, and as such, it belongs in things like short-term CDs, treasury bills." —  Terry Savage   Connect with Terry Savage: Website: https://www.terrysavage.com/  LinkedIn: https://www.linkedin.com/in/thesavagetruth/  Facebook: https://www.facebook.com/The-Savage-Truth-190870517609983/  New Book Link: https://www.amazon.com/gp/product/1119645441/ref=pe_2313400_441222210_em_1p_0_lm   Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!

Comparing Federal Employees Health Benefits (FEHB) coverage with Medicare Part B + Supplement helps retirees balance premiums, deductibles, and out-of-pocket costs while maximizing access to care.FEHB + Part B or Medicare Part B with a Supplement — What's the smarter retirement healthcare move for federal employees and retirees navigating rising FEHB costs and Medicare decisions? Discover how FEHB coordinates with Medicare, when Medicare Part B makes sense, and why dual coverage can change your out-of-pocket risk in retirement.

(00:00:00) This episode explores two very different stories unfolding in Pennsylvania. Both centered on who is counted, who is protected, and who holds power. We begin with an investigation into the U.S. Justice Department’s lawsuit against states, including Pennsylvania, for refusing to hand over voter registration rolls. Drawing on a December 5th Mother Jones report, we examine the push to compare state voter data with commercial datasets and the broader effort to build the nation’s first federal voter database, one that could include sensitive personal information such as voting history, party affiliation, Social Security numbers, and driver’s license data. Critics warn that such a database could expose millions of Americans to data breaches, reinforce false claims of widespread voter fraud, and provide political cover for purging eligible voters from the rolls. Potentially undermining future elections. (00:22:37) In the second half of the episode, we turn to one of Pennsylvania’s most distinctive and often misunderstood communities: the Amish. With insights informed by scholarship from the Young Center for Anabaptist and Pietist Studies at Elizabethtown College, we explore Amish history, religious beliefs, and cultural practices, and consider what their commitment to community, privacy, and separation from state power can teach us about democracy, citizenship, and life beyond constant surveillance. Together, these conversations ask a larger question: in an age of data collection and political control, what does it mean to truly respect individual freedom and community autonomy?Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.

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

A $20 billion AI deal while you were away?

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

You're listening to American Ground Radio with Louis R. Avallone and Stephen Parr. This is the full show for December 19, 2025. 0:30 Red state attorneys general are taking on Big Tech in a major fight to protect children online, as Tennessee joins Texas, Louisiana, Kentucky, and South Carolina in a lawsuit against Roblox. The states accuse the gaming platform of misleading parents and failing to stop child predators from exploiting kids through in-game chats and messages. The message is clear: the government’s first duty is to defend life and protect the most vulnerable, and when tech companies won’t police themselves, leaders must step in. This is shaping up to be a defining battle over child safety, online gaming, and accountability in Big Tech. 9:30 Plus, we cover the Top 3 Things You Need to Know. The Shreveport City Council approved a new data center project in the city. The City of New Orleans is requesting the Federal Government to send in more law enforcement officers for New Year's Eve. Police in Kenner arrested an illegal immigrant preacher and charged him with sexual battery of a 10 year old child. 12:30 Get Prodovite Plus from Victory Nutrition International for 20% off. Go to vni.life/agr and use the promo code AGR20. 13:00 The Justice Department releases new Epstein files, and once again America is asking why this case still grips the nation. It’s not just the crimes of Jeffrey Epstein, but his ties to the rich and powerful — from presidents to princes — that have people demanding answers. The conversation turns to accountability, justice, and whether elites keep getting a pass while everyday Americans pay the price. With big names, dark questions, and growing distrust in the system, the fight for truth about the Epstein documents is far from over. 16:00 It’s time for American Mamas, and they’re sounding off on one big holiday question: company Christmas parties — love them or hate them? Teri Netterville and Kimberly Burelson share hilarious stories about forced small talk, cocktail hours, introvert vs. extrovert personalities, and why some folks would rather sit in the corner than mingle. From awkward office parties to wedding receptions, the Mamas break down the holiday party struggle everyone can relate to — with laughs, honesty, and real-life advice. If you'd like to ask our American Mamas a question, go to our website, AmericanGroundRadio.com/mamas and click on the Ask the Mamas button. 23:00 We take on Trump Derangement Syndrome, asking if there’s really a cure — and pointing to facts, reason, and real-world wake-up calls as the answer. From media stories to Mitt Romney’s latest warnings, the conversation shifts into Social Security reform, fear-mongering, and what’s really at stake for American seniors. It’s a fiery, fast-paced segment on TDS, politics, and the future of Social Security you won’t want to miss. 26:00 We Dig Deep into a Washington Post column urging Democrats to “Make America Minnesota,” then put that claim to the test with hard data. Looking at fertility rates, population trends, and family affordability, we see that red states vs. blue states tell a very different story about where families are actually growing and thriving. From Tim Walz and Kamala Harris to taxes, marriage, and cost of living, it’s a data-driven debate over which policies really support American families and children. 32:00 Get TrimROX from Victory Nutrition International for 20% off. Go to vni.life/agr and use the promo code AGR20. 32:30 nearly 130,000 migrant children went missing under the Biden administration. Many of this children are being exploited and trafficed. Border security failures are not “compassionate,” when vulnerable kids remain unaccounted for. 36:30 Plus, it's Fake News Friday! We're putting you to the test with our weekly game of headlines—are they real news, fake news, or really fake news? From election integrity, ICE and Ilhan Omar to gold card immigration permits and government-sponsored suicide in Canada, can you spot the fake news? Play along, keep score, and share your results with us on Facebook page: facebook.com/AmericanGroundRadio. 40:00 The hour wraps with news out of Florida, where a federal appeals court greenlights a law blocking children from attending sexually explicit drag shows — a win for parents, common sense, and child safety in today’s culture wars. Follow us: americangroundradio.com Facebook: facebook.com / AmericanGroundRadio Instagram: instagram.com/americangroundradioSee omnystudio.com/listener for privacy information.

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

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

[Housing Wire] NRMLA responds to the CFPB's proposed changes to Reg B that would substantially impact the HECM program. [News Break] Here's when Dave Ramsey recommends taking Social Security benefits as early as possible. [JP Morgan Asset Management] JP Morgan's analysis reveals the true impacts credit card debt has on retirement savings and preparedness. Watch our video podcast here!

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

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

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

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

Gene and Alyssa answered questions and explored important topics: He asks if he should use a 100% mortgage to finance his first home buy? He is 58, divorced, and finding women to be gold diggers.  What should he do? She asks how much she and her husband can contribute to a Roth IRA in 2025? He asks if his 401(k) ‘catch-up' contributions must go into the Roth side? They want to use the new ‘senior' deductions to cut their taxes.  Are they ready to go? Free Second Opinion Meetings Meet with a More than Money advisor to review your entire financial picture or simply project your retirement Meet with our Social Security partner to plan the best S/S strategy for you Meet with our estate planning attorney partner to review your estate plans – if you have any Meet with our insurance partner to review your life or long term care coverages Discover how to have your 401(k) professionally managed without leaving your company plan Schedule a free second opinion meeting with a More than Money advisor? Call today (610-746-7007) or email (Gene@AskMtM.com) to schedule your time with us.

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

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

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

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

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

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

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

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

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

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

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

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

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

Choosing when to collect Social Security is one of the most stressful retirement decisions people face, and it doesn't have to be.In this episode, Ari breaks down how most people actually decide when to claim Social Security, why there is no single “best” age, and how to think about the decision without fear or guesswork. Using real data and real-world scenarios, the focus stays on understanding trade-offs rather than chasing a perfect answer. Listen as Ari explains why some people claim as early as 62, why others wait until full retirement age or later, and how factors like income needs, longevity, and spousal considerations influence the decision. It also highlights why calculators alone often miss what matters most, and why peace of mind plays a bigger role than people expect. This is for anyone approaching retirement who wants a clearer, calmer way to think about Social Security and make a confident decision that fits their life.-Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.

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

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

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

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

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