Podcasts about Social Security Administration

A Social Security trust fund used to pay retirement benefits may run out in late 2032, three months earlier than what had been projected last June, according to the new Social Security Administration annual trustees report released Tuesday. Please Subscribe + Rate & Review Philip Teresi on KMJ wherever you listen! --- KMJ’s Philip Teresi is available on the KMJNOW app, Apple Podcasts, Spotify, Amazon Music or wherever else you listen. --- Philip Teresi, Weekdays 2-6 PM Pacific News/Talk 580 & 105.9 KMJ DriveKMJ.com | Podcast | Facebook | X | Instagram --- Everything KMJ: kmjnow.com | Streaming | Podcasts | Facebook | X | Instagram See omnystudio.com/listener for privacy information.

A Social Security trust fund used to pay retirement benefits may run out in late 2032, three months earlier than what had been projected last June, according to the new Social Security Administration annual trustees report released Tuesday. Please Subscribe + Rate & Review Philip Teresi on KMJ wherever you listen! --- KMJ’s Philip Teresi is available on the KMJNOW app, Apple Podcasts, Spotify, Amazon Music or wherever else you listen. --- Philip Teresi, Weekdays 2-6 PM Pacific News/Talk 580 & 105.9 KMJ DriveKMJ.com | Podcast | Facebook | X | Instagram --- Everything KMJ: kmjnow.com | Streaming | Podcasts | Facebook | X | Instagram See omnystudio.com/listener for privacy information.

In part one of Red Eye Radio with Gary McNamara and Eric Harley, voters in Maine have spoken. Liberal upstart Graham Platner won Maine's Democratic Senate primary on Tuesday night, defeating Maine Gov. Janet Mills weeks after the more establishment-backed pick ended her campaign. The Associated Press called the race soon after polls in Maine closed at 8 p.m., where voters in the state are not only weighing in on one of the nation's most significant Senate races but also on a comeback attempt for a controversial former governor and a contest to decide the next governor that features several famous names. Also a Collin County jury has sentenced Karmelo Anthony to 35 years in prison after he was found guilty of murder in the fatal stabbing of 17-year-old Memorial High School student Austin Metcalf during a high school track meet in Frisco, Texas / Republican Sen. Lindsey Graham squeaked out a win Tuesday night in a crowded primary race for the Republican nomination in South Carolina / During a House Judiciary Committee hearing attacking the Southern Poverty Law Center, Democratic Rep. Jasmine Crockett of Texas gets a gentle rebuke from the niece of MLK / President Trump locks in ICE funding through end of presidency after the House passes $70B package / Social Security Administration projected to run out reserves in 7 years / and "Pet Talk" with Gary and Eric. For more talk on the issues that matter to you, listen on radio stations across America Monday-Friday 12am-5am CT (1am-6am ET and 10pm-3am PT), download the RED EYE RADIO SHOW app, asking your smart speaker, or listening at RedEyeRadioShow.com. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Duct fixes a lot of things, including my comedy career. Ok, not really my career, but the transportation getting me to the gigs. Here's a quick, embarrassing story about my use of duct tape. Not really looking my best as I drove around the country, but it ws functional . . .for a while.  https://www.TheWorkLady.com  Jan McInnis is a top change management keynote speaker, comedian, and funny motivational speaker who helps organizations use humor to handle change, build resilience, and strengthen leadership skills. With her laugh-out-loud stories and practical tips, Jan shows audiences how humor isn't just entertainment—it's a business skill that drives communication, connection, and stress relief. A conference keynote speaker, Master of Ceremonies, and comedy writer, Jan has written material for The Tonight Show with Jay Leno as well as radio, TV, and syndicated cartoon strips. She's the author of two books—Finding the Funny Fast and Convention Comedian—and her insights on humor in business have been featured in The Wall Street Journal, The Washington Post, and The Huffington Post. For over 25 years, she has been helping leaders and teams discover how to bounce back from setbacks, embrace change, and connect through comedy. Jan has delivered keynote speeches at thousands of events nationwide, from the Federal Reserve Banks to the Mayo Clinic, for industries that include healthcare, finance, government, education, women's leadership events, technology, and safety & disaster management. Her client list features respected organizations such as: Healthcare: Mayo Clinic, Kaiser Permanente, Abbott Pharmaceuticals, Health Information Management Associations, Assisted Living Associations Finance: Federal Reserve Banks, Merrill Lynch, Transamerica Insurance, BDO Accounting, American Institute of CPAs, credit unions, banking associations Government: U.S. Air Force, Social Security Administration, International Institute of Municipal Clerks, National League of Cities, public utilities, correctional associations Women's Leadership Events: Toyota Women's Conference, Go Red for Women, Speaking of Women's Health, Soroptimists, Women in Insurance & Financial Services Education: State superintendent associations, community college associations, Head Start associations, National Association of Elementary and Middle School Principals Safety & Disaster: International Association of Emergency Managers, Disney Emergency Management, Mid-Atlantic Safety Conference, risk management associations   Her background as a Washington, D.C. marketing executive gives her a unique perspective that blends business acumen with stand-up comedy. Jan was also honored with the Greater Washington Society of Association Executives "Excellence in Education" Award. Along with her podcast Finding the Funny: Leadership Tips from a Comedian, Jan also produces Comedian Stories: Tales From the Road in Under 5 Minutes. Whether she's headlining a major convention, hosting a leadership retreat, or teaching resilience at a safety conference, Jan's programs give audiences the tools to laugh, learn, and lead.  

Today's Headlines: Trump's Meet the Press interview derailed when Kristen Welker told him to his face that he lost in 2020, but not before he confirmed on the record that he wants January 6th defendants who assaulted police officers compensated, called them victims of "dirty cops," denied ever promising no new wars, and compared Iran favorably to Vietnam. Coincidentally, a Vietnam veteran filed a lawsuit over the UFC fight night at the White House, arguing it wasn't authorized by Congress and benefits Trump directly since he bought UFC parent company stock while promoting the event, with the Lincoln Memorial scheduled to host fighter weigh-ins, which is a sentence that exists. Trump will also be at the Knicks game inconveniencing everyone with TSA screening and canceled watch parties. On the war beat, Iran fired missiles at Israel for the first time since the April ceasefire, Israel bombed Beirut, oil spiked 3.6%, and Trump responded by calling Fox News to criticize Israel and telling Axios he was phoning Netanyahu because "each of them had their fun" — not the standard framework for analyzing a missile exchange. The May jobs report came in better than expected with 172,000 payrolls added, but markets dipped anyway, prompting Trump to post that "stocks should go up not down, that's the way it was for 200 years," which is not how markets work. And finally, a former Social Security Administration executive blew the whistle on a DOGE-backed plan to mark 2.7 million living people — citizens, permanent residents, teenagers, senior citizens — as dead in federal databases to make life impossible for immigrants and funnel them into Social Security offices where they could be arrested, which didn't go through, though last year officials did successfully file 6,000 people into the Death Master File, some of whom had to physically show up to prove they were alive. Resources/Articles mentioned: NBC News: Read the transcript: President Donald Trump interviewed by NBC News' ‘Meet the Press' moderator Kristen Welker NYT: Trump Defends Compensation Fund and Iran War in ‘Meet the Press' Interview NYT: Lawsuit Aims to Stop U.F.C. Fights at White House on Trump's Birthday AP News: No bags, no watch parties at Madison Square Garden with Trump attending Game 3 of the NBA Finals NYT: Live Updates: Iran Fires Missiles at Israel for First Time Since April Cease-Fire NYT: Israel Bombs Beirut Outskirts as Fighting With Hezbollah Escalates Axios: Trump tells Axios he will ask Netanyahu not to strike back at Iran Bloomberg: Oil Jumps As Israel retaliates Against Iran After Missile Attacks CNBC: Jobs report May 2026 Fortune: Trump stunned as stocks fall on great jobs report. Barclays explains why ‘we are entering the warning zone' WaPo: Whistleblower claims DOGE planned to mark 2.7 million people dead Subscribe to the Betches News Room and join the Morning Announcements group chat. Go to: betchesnews.substack.com Morning Announcements is produced by Sami Sage and edited by Grace Hernandez-Johnson Learn more about your ad choices. Visit megaphone.fm/adchoices

From May 2, 2025: As the Trump administration seeks to escalate its immigration crackdown, the government has turned to a concerning source of information for data on immigrants: the Social Security Administration. Reports indicate that Elon Musk's DOGE initiative and the Department of Homeland Security successfully pushed Social Security officials to provide access to what's commonly known as the “Death Master File,” allowing the government to mark living immigrants as dead in the Social Security Administration's systems. The goal, according to press reports, is to make the lives of these individuals so difficult that they choose to leave the country. What exactly is the Death Master File, and why is this strategy so alarming? To understand, Lawfare Senior Editor Quinta Jurecic spoke to Kathleen Romig, Director of Social Security and Disability Policy at the Center on Budget and Policy Priorities, and Devin O'Connor, a senior fellow at the center. They explained the unsettling implications of tinkering with the Death Master File and situated these efforts within the broader scope of the Trump administration—and DOGE's—repeated attacks on Social Security.To receive ad-free podcasts, become a Lawfare Material Supporter at www.patreon.com/lawfare. You can also support Lawfare by making a one-time donation at https://givebutter.com/lawfare-institute.Support this show http://supporter.acast.com/lawfare. Hosted on Acast. See acast.com/privacy for more information.

Everybody has advice, but you better not listen to all of it. There is a LOT of bad advice out there; especially when it comes to comedy and entertainment. I've had lots of people give me advice, but I've only taken a little of it. Here's a quick story about some really bad advice. It's also kinda funny. But it truly is not something I took seriously. https://www.TheWorkLady.com  Jan McInnis is a top change management keynote speaker, comedian, and funny motivational speaker who helps organizations use humor to handle change, build resilience, and strengthen leadership skills. With her laugh-out-loud stories and practical tips, Jan shows audiences how humor isn't just entertainment—it's a business skill that drives communication, connection, and stress relief.   A conference keynote speaker, Master of Ceremonies, and comedy writer, Jan has written material for The Tonight Show with Jay Leno as well as radio, TV, and syndicated cartoon strips. She's the author of two books—Finding the Funny Fast and Convention Comedian—and her insights on humor in business have been featured in The Wall Street Journal, The Washington Post, and The Huffington Post. For over 25 years, she has been helping leaders and teams discover how to bounce back from setbacks, embrace change, and connect through comedy.   Jan has delivered keynote speeches at thousands of events nationwide, from the Federal Reserve Banks to the Mayo Clinic, for industries that include healthcare, finance, government, education, women's leadership events, technology, and safety & disaster management. Her client list features respected organizations such as: Healthcare: Mayo Clinic, Kaiser Permanente, Abbott Pharmaceuticals, Health Information Management Associations, Assisted Living Associations Finance: Federal Reserve Banks, Merrill Lynch, Transamerica Insurance, BDO Accounting, American Institute of CPAs, credit unions, banking associations Government: U.S. Air Force, Social Security Administration, International Institute of Municipal Clerks, National League of Cities, public utilities, correctional associations Women's Leadership Events: Toyota Women's Conference, Go Red for Women, Speaking of Women's Health, Soroptimists, Women in Insurance & Financial Services Education: State superintendent associations, community college associations, Head Start associations, National Association of Elementary and Middle School Principals Safety & Disaster: International Association of Emergency Managers, Disney Emergency Management, Mid-Atlantic Safety Conference, risk management associations   Her background as a Washington, D.C. marketing executive gives her a unique perspective that blends business acumen with stand-up comedy. Jan was also honored with the Greater Washington Society of Association Executives "Excellence in Education" Award. Along with her podcast Finding the Funny: Leadership Tips from a Comedian, Jan also produces Comedian Stories: Tales From the Road in Under 5 Minutes. Whether she's headlining a major convention, hosting a leadership retreat, or teaching resilience at a safety conference, Jan's programs give audiences the tools to laugh, learn, and lead.  

The Social Security Administration is looking to fully transition to electronic payments this year. President Donald Trump signed an executive order last year directing the Treasury Department to stop issuing paper checks for all federal payments. SSA says paper checks are 20 times more expensive than electronic checks and are more susceptible to fraud. SSA beneficiaries seeking an exemption to this policy can request a waiver from the Treasury Department. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

“I still have a lot of ideas. I'm not done just because the Social Security Administration says I've only got three years left, doesn't mean that that's all I have left.” – Teri Brown Today's featured award-winning bookcaster is a mother, grandmother, and TEDx speaker, Teri M. Brown. Teri and I talk about her latest book, “Peg, Unhinged”, persevering through personal loss while writing, and more!Key Things You'll Learn:How she managed to publish 9 books in 4 yearsWhat helps fuel her creative process and generate new thoughtsHow her granddaughter inspired her to write "Little Lola in Her Big Dream"Why it's never too late to reinvent yourself and pursue new passionsTeri's Site: https://www.terimbrown.com/Teri's Books: https://www.amazon.com/stores/author/B09NZKWTGG/allbooksTeri's Podcast, “Online for Authors”: https://podcasts.apple.com/us/podcast/online-for-authors-podcast/id1720748871The opening track is titled, “Unknown From M.E. | Sonic Adventure 2 ~ City Pop Remix” by Iridium Beats. To listen to and download the full track, click the following link. https://www.patreon.com/posts/sonic-adventure-136084016 Please support today's podcast to keep this content coming! CashApp: $DomBrightmonDonate on PayPal: @DBrightmonBuy Me a Coffee: https://www.buymeacoffee.com/dombrightmonGet Going North T-Shirts, Stickers, and More: https://www.teepublic.com/stores/dom-brightmonThe Going North Advancement Compass: https://a.co/d/bA9awotYou May Also Like…629 – An Enemy Like Me with Teri Brown (@TeriMBrown1): https://www.goingnorthpodcast.com/ep-629-an-enemy-like-me-with-teri-brown-terimbrown1/555 – Sunflowers Beneath the Snow with Teri Brown (@TeriMBrown1): https://www.goingnorthpodcast.com/ep-555-sunflowers-beneath-the-snow-with-teri-brown-terimbrown1/561 – Why Retire When I Can Inspire with Donna Maltz (@Soil2Soulutions): https://www.goingnorthpodcast.com/ep-561-why-retire-when-i-can-inspire-with-donna-maltz-soil2soulutions/992 – Why It's Never Too Late To Thrive & Write A Novel with Margie Zable Fisher (@mzfisher): https://www.goingnorthpodcast.com/ep-992-why-its-never-too-late-to-thrive-write-a-novel-with-margie-zable-fisher-mzfisher/864 – From Ignoring Heart's Call to Embracing a New Life Chapter with Susan Glenney: https://www.goingnorthpodcast.com/ep-864-from-ignoring-hearts-call-to-embracing-a-new-life-chapter-with-susan-glenney/1013 – Fabricating Forgotten Treasures Into A Life Of Adventure, Purpose, & Profit with Kira Hartley Klinger: https://www.goingnorthpodcast.com/ep-1013-fabricating-forgotten-treasures-into-a-life-of-adventure-purpose-profit-with-kira-har/332 – Her Perfect Life with Hank Phillippi Ryan (@HankPRyan): https://www.goingnorthpodcast.com/ep-332-her-perfect-life-with-hank-phillippi-ryan-hankpryan/#GNPYear1 Bonus Episode 1 - Giggles & Joy with Ariane De Bonvoisin (@clickariane): https://www.goingnorthpodcast.com/gnpyear1-bonus-episode-1-giggles-joy-with-ariane-de-bonvoisin-clickariane/938 – How to Create a More Colorful and Fulfilling Life with Debbie R. Weiss: https://www.goingnorthpodcast.com/ep-938-how-to-create-a-more-colorful-and-fulfilling-life-with-debbie-r-weiss/782 – Grab Life By the Dreams with Karin Freeland (@KarinFreeland): https://www.goingnorthpodcast.com/ep-782-grab-life-by-the-dreams-with-karin-freeland-karinfreeland/

The Pure Report welcomes Dan Kent, Everpure's new Field CTO for Federal, to the studio to discuss the critical intersection of advanced technology and public services. Dan, who recently joined Everpure, brings decades of experience in the Federal space, including senior roles at companies like Cisco and as a CTO, where he developed a passion for leading teams and tackling challenging engineering problems. Our conversation kicks off by exploring the unique complexities and high stakes of working with government agencies, which range from managing the massive data sets of the Social Security Administration (supporting 300 million citizens) to deploying mission-critical IT components in the most extreme environments, such as on battleships, in military vehicles, and even in space. Dan asserts that the Federal AI tipping point has passed, driven by the competitive global landscape, executive orders, and the government's immense data holdings—which require AI to glean insights. With an estimated 4,000 AI use cases already in pilot across various agencies (from Air Force platform maintenance to IRS fraud detection), the biggest obstacles remain the outdated infrastructure and the pervasive challenge of data quality. Dan highlights that infrastructure is not yet generative AI-ready, with data locked in silos and complicated by time-sensitive, duplicated, or decades-old information, leading to self-induced mistakes and ethical concerns like misidentification. Our discussion shifts to how Everpure is positioned to solve these foundational issues. Dan explains the necessity of modern infrastructure that enables automated data pipelines for continuous cleaning, classification, and transformation into vector databases (RAG). This automation is key to ensuring AI applications have accurate, timely context, thereby eliminating security risks and self-inflicted errors. Finally, we address the critical human element, emphasizing that while a skills gap exists, the outlook is positive: AI should be treated as a co-worker to boost efficiency and help the federal workforce achieve its citizen-focused missions more effectively. To learn more, visit: https://www.everpuredata.com/solutions/industries/government/cost-efficiency.html Check out the new Everpure digital customer community to join the conversation with peers and Everpure experts: https://purecommunity.purestorage.com/ 00:00 Intro and Welcome 01:15 Dan's Career Journey 04:41 Supporting Federal Agencies 09:35 AI Tipping Point for Fed 13:31 State of Government Infrastructure 19:47 AI Trust and Compliance 25:25 Workforce Impacts of AI 33:11 Everpure for AI in Fed 36:45 Hot Takes Segment

"There's a lot of waiting around in comedy." A comedian who had been doing this for years gave me this advice during my first year of comedy. And he wasn't kidding. There IS a lot of waiting around, and being bored, before you actually hit the stage. In this episode, I talk about when I got my first taste of stage and being bored, and it was well before my comedy career began. Thanks for listening.  https://www.TheWorkLady.com  Jan McInnis is a top change management keynote speaker, comedian, and funny motivational speaker who helps organizations use humor to handle change, build resilience, and strengthen leadership skills. With her laugh-out-loud stories and practical tips, Jan shows audiences how humor isn't just entertainment—it's a business skill that drives communication, connection, and stress relief.   A conference keynote speaker, Master of Ceremonies, and comedy writer, Jan has written material for The Tonight Show with Jay Leno as well as radio, TV, and syndicated cartoon strips. She's the author of two books—Finding the Funny Fast and Convention Comedian—and her insights on humor in business have been featured in The Wall Street Journal, The Washington Post, and The Huffington Post. For over 25 years, she has been helping leaders and teams discover how to bounce back from setbacks, embrace change, and connect through comedy.   Jan has delivered keynote speeches at thousands of events nationwide, from the Federal Reserve Banks to the Mayo Clinic, for industries that include healthcare, finance, government, education, women's leadership events, technology, and safety & disaster management. Her client list features respected organizations such as: Healthcare: Mayo Clinic, Kaiser Permanente, Abbott Pharmaceuticals, Health Information Management Associations, Assisted Living Associations Finance: Federal Reserve Banks, Merrill Lynch, Transamerica Insurance, BDO Accounting, American Institute of CPAs, credit unions, banking associations Government: U.S. Air Force, Social Security Administration, International Institute of Municipal Clerks, National League of Cities, public utilities, correctional associations Women's Leadership Events: Toyota Women's Conference, Go Red for Women, Speaking of Women's Health, Soroptimists, Women in Insurance & Financial Services Education: State superintendent associations, community college associations, Head Start associations, National Association of Elementary and Middle School Principals Safety & Disaster: International Association of Emergency Managers, Disney Emergency Management, Mid-Atlantic Safety Conference, risk management associations   Her background as a Washington, D.C. marketing executive gives her a unique perspective that blends business acumen with stand-up comedy. Jan was also honored with the Greater Washington Society of Association Executives "Excellence in Education" Award. Along with her podcast Finding the Funny: Leadership Tips from a Comedian, Jan also produces Comedian Stories: Tales From the Road in Under 5 Minutes. Whether she's headlining a major convention, hosting a leadership retreat, or teaching resilience at a safety conference, Jan's programs give audiences the tools to laugh, learn, and lead.  

Hello beautiful people! The last few days have been filled with phone calls, appointments, research, confusion, and anger at the government…. shocker! In today's episode, I share my recent experiences with the Social Security Administration, the challenges and frustrations of navigating disability benefits, and provide insights into the process and implications for others in similar situations.Resources:Social Security Administration - https://www.ssa.gov/Understanding Social Security Disability Benefits - https://www.ssa.gov/benefits/disability/Episode show notes & transcripts can be found here: ⁠⁠⁠⁠⁠www.digitalactivismpod.com/⁠⁠⁠ ⁠⁠ Follow Caden!:Caden IG:⁠⁠ ⁠⁠⁠⁠⁠⁠instagram.com/obviously_its_caden/⁠⁠⁠⁠⁠Caden TikTok:⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠tiktok.com/@wheelchair_king⁠⁠ ⁠⁠⁠⁠⁠Caden Threads⁠:⁠ ⁠⁠⁠⁠⁠threads.com/@obviously_its_caden⁠⁠⁠Email Caden: ⁠cadennelmsofficial@gmail.com⁠  Follow the Pod!:YouTube:⁠⁠⁠ ⁠⁠⁠⁠⁠   / @digitalactivismproject  ⁠Pod IG: ⁠⁠⁠instagram.com/digitalactivismpod/Love y'all!

Are you getting your full entitlement, spousal Social Security, or—like one of my recent clients—missing out on hundreds, even thousands, of dollars each year? This week, I discuss how spousal benefits work, what the eligibility requirements are, and the critical steps you need to take to ensure you aren't leaving money on the table. If you or your spouse are nearing retirement or already collecting benefits, this episode will equip you with the knowledge to maximize your Social Security income and avoid common mistakes.   You will want to hear this episode if you are interested in... [00:00] Spousal social security benefits [01:56] Criteria for receiving spousal benefit [02:25] Calculation of spousal social security benefit [07:26] Confusion when both spouses are eligible for their own and spousal benefits [09:46] Sue's social security increase [11:24] Misconception that adjustments are automatic    Understanding Spousal Social Security Benefits If you are married (or divorced after a marriage of at least 10 years), you may qualify for spousal Social Security benefits. For those with limited earning histories or lower primary insurance amounts (PIA), this benefit is especially valuable. At your full retirement age (FRA)—which is 67 if you were born in 1960 or later—you can collect up to 50% of your spouse's full retirement benefit, so long as your own benefit is less than half of theirs. If your own benefit exceeds half your spouse's, you'll receive your own larger benefit. Social Security will always pay the higher of the two benefits, but not both combined. This makes it vital to understand where you fall before claiming.   How Early Claiming Reduces Your Benefit Timing is critical. Claiming spousal benefits before your FRA means your payments will be permanently reduced. The reductions work as follows: For the first 36 months before your FRA, your benefit is reduced by 25/36 of 1% for every month claimed early. Additional months over 36 are reduced by 5/12 of 1% per month. For example, if a spousal benefit of $800 is claimed 36 months early, the amount drops to $600, a 25% reduction. If claimed 60 months early (at age 62), the benefit falls by roughly 35% to $520.   Key Rules of Spousal Benefit Eligibility To receive a spousal benefit, several conditions must be met: Your spouse must be collecting their Social Security benefit (unless you're claiming divorced benefits, in which case your ex only needs to be eligible). You must be at least age 62 (or have a qualifying child under 16 or with a disability in your care). Generally, you need to be married for at least one year before applying, though this rule doesn't apply if you're the parent of your spouse's child. If divorced, you must have been married for at least 10 years. Spousal benefits do not increase if you wait past your full retirement age to claim. The maximum is always 50% of your spouse's PIA. Delaying only increases benefits on your own work record, not on a spousal claim.   Spousal Benefits Are Not Automatic One major pitfall couples face is assuming that spousal benefits "switch on" automatically when their higher-earning spouse starts collecting their benefit. In reality, the Social Security Administration often needs to be contacted directly to initiate the higher spousal benefit. I share a case where a client (Sue) was entitled to a much larger benefit once her husband began taking Social Security at age 70, yet her benefit wasn't increased until she contacted Social Security, resulting in a missed $900/month for six months. Social Security would only issue six months of retroactive pay, meaning the client lost out on another six months of increased income. Don't assume the system will identify and correct missed benefits for you—it's up to you (and your advisor) to ensure you're receiving everything you've earned.   Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  Social Security Fairness Act   Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact Subscribe to Retire With Ryan

Are You Sure You Want to Be an Executor? Episode 384 – Being named as an estate executor is often considered an honor, and you will be compensated for your efforts. But is it worth all the potential trouble? More SML Planning Minute Podcast Episodes Transcript of Podcast Episode 384 Hello, this is Bill Rainaldi, with another edition of Security Mutual's SML Planning Minute. In today's episode: are you sure you want to be an executor? Perhaps you should consider it an honor. Your Uncle Charlie, who always liked, trusted and respected you, has named you as the executor of his will. What does that even mean? The executor of an estate is the person (or, sometimes an entity) appointed to manage the financial affairs of a deceased individual and to carry out their wishes as outlined in their will. The executor is usually a family member, but it can also be a close friend, financial advisor or family lawyer. It can also be a financial institution. And sometimes there's more than one. So, what does an executor do? Here are some of the early steps many executors take: obtaining copies of the death certificate and filing a copy of the will with the probate court where the deceased lived. Before the court approves the executor, they may schedule a hearing to give interested parties a chance to either contest the will or object to the appointment of the executor.[1] Once approved, the executor generally needs to notify the appropriate parties of the decedent's death. This may include friends and family members, financial institutions and government agencies, such as the Social Security Administration. Then they usually need to gather all the estate's assets and liabilities. After that, the executor will need to settle any debts or taxes before the assets can be distributed. Once all this is done, they will supervise the distribution of the assets.[2] It sounds complicated, and it very often can be. It typically takes three to six months, but it can be much longer, sometimes as long as two years or more.[3] [4] And it could involve a major time commitment on the executor's part. Also, the amount of paperwork can be overwhelming. Here's one good reason to say yes: executors usually get paid. However, for small and modest sized estates where family members act as executor, this is often done free of charge.  In larger and more complicated estates, the rate is typically set by state law, with a normal rate of anywhere between 2 and 5 percent of the total estate value.[5] In many cases the rate will be calculated on a sliding scale based on the value of the estate. In New York, for example, the fee is 5 percent for estates below $100,000, gradually dropping down to 2 percent for estates of more than $5 million. Two percent of $5 million is $100,000. Things can sometimes get tricky for an executor. In most states, the executor can also be a beneficiary of the estate.[6] This has the potential to create a conflict of interest, if not conflict with the other beneficiaries. The entire process can be overwhelming for some. It's important to remember that even though it may be an honor, you don't have to accept it. Another alternative might be to accept the assignment but hire some professionals to help you out.[7] And people do sometimes turn down the opportunity to serve as an executor, despite any personal or financial incentives. Potential family conflicts are sometimes enough to scare someone off. For example, the decedent might own a house that is scheduled to be split among his children. But what happens if one of them is already living there? The executor may have to notify the resident that he or she must move out so that the property can be sold. It may carry some prestige, but acting as the executor can often put them in the middle of disagreements between some of the heirs over the distribution of assets. If you're a family member or friend, being an executor can cause irreparable damage to your personal relationships, and that's one of the big reasons people sometimes opt out. It's also important to recognize that an executor is considered a fiduciary for the estate and its beneficiaries. This is a high ethical standard where, if the executor does something wrong or enriches him or herself unjustly, they can be sued personally. The potential for personal liability may be enough of a reason to reject the nomination, particularly in large or complicated estates. Finally, note that things can get even more complicated if the individual does not have a will. In that case, the court will appoint someone to be the administrator of the estate. That's basically the same job as the executor, but with a court-appointed individual who may or may not have known the decedent. If you're the one who's doing your own estate planning, putting together the will—with the help of a qualified estate planning attorney—is a good start. You'll need to think seriously about who you want as your executor. Just as important, you need to communicate early and openly about your decisions with everyone involved. And be sure to revisit your choice every few years. [1] MetLife. “Executor of Estate: What Do They Do?” MetLife.com. https://www.metlife.com/stories/legal/executor-of-estate/ (accessed April 16, 2026). [2] Id. [3] American Wills & Estates. “How Long Does Probate Take and How Much Does it Cost?” Americanwillsandestates.com https://americanwillsandestates.com/blog/how-long-does-probate-take-and-how-much-does-it-cost/ (accessed April 16, 2026). [4] Beck, Lenox & Stolzer. “How Long Does It Take to Distribute Assets and Close an Estate?” Beckelderlaw.com. https://beckelderlaw.com/how-long-does-it-take-to-distribute-assets-and-close-an-estate/# (accessed April 16, 2026). [5] The Olear Team. “Executor of estate fees: How much is paid, and when?” Olear.com. https://olear.com/executor-estate-fees-much-paid/#:~:text=What%20are%20executor%20of%20estate,executor%20fee%20is%202%20percent (accessed April 16, 2026). [6] MetLife. “Executor of Estate: What Do They Do?” MetLife.com. https://www.metlife.com/stories/legal/executor-of-estate/ (accessed April 16, 2026). [7] Miura, Danielle. “Your client is the executor. Now what?” Insurancenewsnet.com. https://insurancenewsnet.com/innarticle/your-client-is-the-executor-now-what (accessed April 16, 2026). More SML Planning Minute Podcast Episodes This podcast is brought to you by Security Mutual Life Insurance Company of New York, The Company That Cares®. The content provided is intended for educational and informational purposes only. Information is provided in good faith. However, the Company makes no representation or warranty of any kind regarding the accuracy, reliability, or completeness of the information. The information presented is designed to provide general information regarding the subject matter covered. It is not to serve as legal, tax or other financial advice related to individual situations, because each individual's legal, tax and financial situation is different. Specific advice needs to be tailored to your situation. Therefore, please consult with your own attorney, tax professional and/or other advisors regarding your specific situation. To help reach your goals, you need a skilled professional by your side. Contact your local Security Mutual life insurance advisor today. As part of the planning process, he or she will coordinate with your other advisors as needed to help you achieve your financial goals and objectives. For more information, visit us at SMLNY.com/SMLPodcast. If you've enjoyed this podcast, tell your friends about it. And be sure to give us a five-star review. And check us out on LinkedIn, YouTube and Twitter. Thanks for listening, and we'll talk to you next time. Tax laws are complex and subject to change. The information presented is based on current interpretation of the laws. Neither Security Mutual nor its agents are permitted to provide tax or legal advice. The applicability of any strategy discussed is dependent upon the particular facts and circumstances. Results may vary, and products and services discussed may not be appropriate for all situations. Each person's needs, objectives and financial circumstances are different, and must be reviewed and analyzed independently. We encourage individuals to seek personalized advice from a qualified Security Mutual life insurance advisor regarding their personal needs, objectives, and financial circumstances. Insurance products are issued by Security Mutual Life Insurance Company of New York, Binghamton, New York. Product availability and features may vary by state.​ SubscribeApple PodcastsSpotifyAndroidPandoraby EmailTuneInDeezerRSSMore Subscribe Options

Have you ever found yourself having to address a group that you have pretty much nothing in common with? As a comedian and keynote speaker, it happens. Here's a quick story about a time that I had to connect. . .and I did. It's a fun story and I hope you enjoy it.  https://www.TheWorkLady.com  Jan McInnis is a top change management keynote speaker, comedian, and funny motivational speaker who helps organizations use humor to handle change, build resilience, and strengthen leadership skills. With her laugh-out-loud stories and practical tips, Jan shows audiences how humor isn't just entertainment—it's a business skill that drives communication, connection, and stress relief.   A conference keynote speaker, Master of Ceremonies, and comedy writer, Jan has written material for The Tonight Show with Jay Leno as well as radio, TV, and syndicated cartoon strips. She's the author of two books—Finding the Funny Fast and Convention Comedian—and her insights on humor in business have been featured in The Wall Street Journal, The Washington Post, and The Huffington Post. For over 25 years, she has been helping leaders and teams discover how to bounce back from setbacks, embrace change, and connect through comedy.   Jan has delivered keynote speeches at thousands of events nationwide, from the Federal Reserve Banks to the Mayo Clinic, for industries that include healthcare, finance, government, education, women's leadership events, technology, and safety & disaster management. Her client list features respected organizations such as: Healthcare: Mayo Clinic, Kaiser Permanente, Abbott Pharmaceuticals, Health Information Management Associations, Assisted Living Associations Finance: Federal Reserve Banks, Merrill Lynch, Transamerica Insurance, BDO Accounting, American Institute of CPAs, credit unions, banking associations Government: U.S. Air Force, Social Security Administration, International Institute of Municipal Clerks, National League of Cities, public utilities, correctional associations Women's Leadership Events: Toyota Women's Conference, Go Red for Women, Speaking of Women's Health, Soroptimists, Women in Insurance & Financial Services Education: State superintendent associations, community college associations, Head Start associations, National Association of Elementary and Middle School Principals Safety & Disaster: International Association of Emergency Managers, Disney Emergency Management, Mid-Atlantic Safety Conference, risk management associations   Her background as a Washington, D.C. marketing executive gives her a unique perspective that blends business acumen with stand-up comedy. Jan was also honored with the Greater Washington Society of Association Executives "Excellence in Education" Award. Along with her podcast Finding the Funny: Leadership Tips from a Comedian, Jan also produces Comedian Stories: Tales From the Road in Under 5 Minutes. Whether she's headlining a major convention, hosting a leadership retreat, or teaching resilience at a safety conference, Jan's programs give audiences the tools to laugh, learn, and lead.  

In this Healthy Widow Healthy Woman podcast episode with Carolyn Moor, we sit down with economist and former Social Security Administration researcher David Weaver Ph.D to break down everything widows need to know.We'll cover:The different types of widow benefitsThe new SWIFT Act introduced to Congress by NY Senator Gillibrand, How you can support it and what it could mean for your monthly checkA recent Social Security's Inspector General report that found serious problems in how the SSA is handling widow claimsDavid Weaver also shares:What the Social Security Advisory Board is recommending to better serve widows and their childrenWhat the latest research tells us about how widows are faring financiallyThe red flags every widow should watch for when dealing with the Social Security Administration.Whether you're newly widowed or planning ahead, this episode is essential to Healthy Widow Healthy Womanlistening for widow advocates everywhere.HWHW Guest Bio: David A. Weaver currently teaches statistics at the University of South Carolina. Prior to teaching, David served as a researcher and executive in the federal government for several years at the Social Security Administration and the Congressional Budget Office. He has published several articles on federal programs, income, and poverty.David is a native of Atlanta, Georgia and received a bachelor's degree in economics from Furman University in Greenville, South Carolina. He also holds a Ph.D. in economics from Duke University.*Follow David Weaver on Linkedin. * Follow Carolyn Moor on Linkedin Learn more about Host Modern Widows Club® The Movement for Widow Care (MWC)

The San Francisco Comedy Competition is a very prestigious comedy competition. Comics are thrilled when they get invited, and that happened to me. Here's a quick story about my exeperience in the competition, and what I got out of it. I believe the competition is still going strong, so if you're a comedian, go for it! https://www.TheWorkLady.com  Jan McInnis is a top change management keynote speaker, comedian, and funny motivational speaker who helps organizations use humor to handle change, build resilience, and strengthen leadership skills. With her laugh-out-loud stories and practical tips, Jan shows audiences how humor isn't just entertainment—it's a business skill that drives communication, connection, and stress relief.   A conference keynote speaker, Master of Ceremonies, and comedy writer, Jan has written material for The Tonight Show with Jay Leno as well as radio, TV, and syndicated cartoon strips. She's the author of two books—Finding the Funny Fast and Convention Comedian—and her insights on humor in business have been featured in The Wall Street Journal, The Washington Post, and The Huffington Post. For over 25 years, she has been helping leaders and teams discover how to bounce back from setbacks, embrace change, and connect through comedy.   Jan has delivered keynote speeches at thousands of events nationwide, from the Federal Reserve Banks to the Mayo Clinic, for industries that include healthcare, finance, government, education, women's leadership events, technology, and safety & disaster management. Her client list features respected organizations such as: Healthcare: Mayo Clinic, Kaiser Permanente, Abbott Pharmaceuticals, Health Information Management Associations, Assisted Living Associations Finance: Federal Reserve Banks, Merrill Lynch, Transamerica Insurance, BDO Accounting, American Institute of CPAs, credit unions, banking associations Government: U.S. Air Force, Social Security Administration, International Institute of Municipal Clerks, National League of Cities, public utilities, correctional associations Women's Leadership Events: Toyota Women's Conference, Go Red for Women, Speaking of Women's Health, Soroptimists, Women in Insurance & Financial Services Education: State superintendent associations, community college associations, Head Start associations, National Association of Elementary and Middle School Principals Safety & Disaster: International Association of Emergency Managers, Disney Emergency Management, Mid-Atlantic Safety Conference, risk management associations   Her background as a Washington, D.C. marketing executive gives her a unique perspective that blends business acumen with stand-up comedy. Jan was also honored with the Greater Washington Society of Association Executives "Excellence in Education" Award. Along with her podcast Finding the Funny: Leadership Tips from a Comedian, Jan also produces Comedian Stories: Tales From the Road in Under 5 Minutes. Whether she's headlining a major convention, hosting a leadership retreat, or teaching resilience at a safety conference, Jan's programs give audiences the tools to laugh, learn, and lead.  

The Social Security Administration has released its baby name data for 2025 and there were a bunch of astrological names! 

Brian and Heath talk about an event coming up this Thursday night at the Aqua Turf in Southington that Johnson Brunetti is hosting for more than 600 people – it is called “Road to Retirement Success” and will feature a panel discussion with: Johnson Brunetti financial advisors, A licensed CPA, An estate planning attorney, A Medicare professional, An assisted living specialist, A Social Security specialist from the Social Security Administration.

The Ultimate Guide for Americans Moving to Spain: Visas, Taxes, and Cross-Border Financial Planning By AIO Financial — Fee-Only Fiduciary Financial Planners Spain has quietly become one of the most popular destinations for Americans relocating abroad. The lifestyle is compelling — long lunches, walkable cities, world-class healthcare, sunshine, and a cost of living that, in many regions, runs 20–30% below comparable U.S. cities. But behind that lifestyle is a tax and regulatory system that can blindside Americans who move without proper planning. We work with U.S. expats every week at AIO Financial, and the same patterns keep showing up. People sell investments at exactly the wrong moment. They convert Roth IRAs and trigger Spanish tax bills they didn’t know existed. They open European brokerage accounts and accidentally buy PFICs. They miss the six-month window for the Beckham Law and lose six figures of potential tax savings. None of this is necessary. Almost every cross-border financial mistake we see is preventable with planning that starts twelve to eighteen months before the move — not after the boxes are unpacked in Valencia. This guide walks through what we believe every American family should understand before moving to Spain: the visa landscape after the Golden Visa was eliminated, how Spain actually taxes Americans (including the surprising treatment of Roth IRAs), what to do with your investments before you become a Spanish tax resident, and how to think about banking, currency, and cash transfers across borders. None of this is legal or tax advice for your specific situation, but it should give you a real working framework before you sit down with a cross-border specialist. Why Americans Are Moving to Spain Right Now The reasons people give us are remarkably consistent. They want better work-life balance. They want their kids to grow up bilingual. They’ve watched U.S. healthcare costs spiral and want a system that just works. They’re approaching retirement and the math on living in coastal Spain versus coastal Florida is hard to argue with. A few are motivated by political concerns; many simply want to live somewhere that feels less hurried. What makes Spain particularly attractive compared to other European destinations is the combination of a well-functioning Digital Nomad Visa, a meaningful (if imperfect) tax treaty with the United States, and a cost-of-living advantage that still holds up despite recent inflation. A single person can live comfortably in mid-sized Spanish cities like Valencia, Granada, or Málaga on roughly €1,600–€1,900 per month. Madrid and Barcelona cost more, but still less than San Francisco, Boston, or Seattle. The catch — and this is the part most relocation guides skip — is that Spain has a wealth tax, taxes worldwide income for residents, does not respect the U.S. tax-free status of Roth IRAs, and uses a fiscal-year structure that can leave new arrivals exposed to a full calendar year of Spanish taxation if they cross the 183-day threshold without realizing it. Done well, moving to Spain can be one of the best financial and lifestyle decisions a family makes. Done poorly, it can be a multi-year tax mess. Visa Pathways: What’s Available in 2026 Before any tax planning matters, you need legal residency. Spain offers several pathways for non-EU citizens, and the right one depends on whether you’re working, retired, or have substantial passive income. The Digital Nomad Visa (DNV) The Digital Nomad Visa, introduced under Spain’s 2023 Startup Act, has become the most popular route for working-age Americans. It allows non-EU remote workers — both employees of foreign companies and self-employed freelancers — to live legally in Spain while working for non-Spanish employers or clients. As of 2026, the income threshold is set at 200% of Spain’s Minimum Interprofessional Salary, which works out to approximately €2,850 per month, or roughly €34,200 per year. Most Spanish consulates recommend showing at least €3,000 monthly to account for currency fluctuations. If you’re applying with family, the income requirement increases. You’ll need to demonstrate an additional 75% of the SMI (about €1,035 per month) for your first dependent — typically a spouse — and 25% for each additional family member. A family of four moving together generally needs to show somewhere around €4,400 per month in qualifying income. The DNV initially issues a residence authorization valid for up to three years if applied for from within Spain, or a one-year visa if applied for through a Spanish consulate abroad. It can be renewed for additional periods, allowing total stays of up to five years, after which permanent residency becomes available. Citizenship is generally available after ten years of legal residency for U.S. nationals (two years for citizens of Latin American countries, the Philippines, Andorra, and a handful of others). Other key requirements include having worked with your current employer or clients for at least three months before applying, holding either a relevant university degree or three years of professional experience in your field, working for a company that has been in operation for at least one year, and earning no more than 20% of your income from Spanish sources. The application process typically takes four to five months. One important wrinkle for Americans: the U.S.–Spain Totalization Agreement does not currently cover remote work in the way that some other bilateral agreements do, so the U.S. Social Security Administration rarely issues Certificates of Coverage for DNV applicants. Most U.S. W-2 employees need to either get their employer to set up a Spanish “shadow payroll” arrangement, switch to 1099 contractor status and register as an autónomo (self-employed) in Spain, or accept that they’ll be paying into the Spanish social security system. This is a frequent friction point and is best resolved before the move, not after. The Non-Lucrative Visa (NLV) The Non-Lucrative Visa is the traditional retiree route — and increasingly used by Americans of any age with sufficient passive income. It explicitly does not permit working in Spain or remotely for any employer, which is its main limitation. As of 2026, applicants need to show approximately €2,400 per month (around €28,800 per year) in passive income or savings, with additional financial requirements for dependents. For genuinely retired Americans drawing Social Security, pension income, or living off investment portfolios, this is often the cleanest path. It comes with one substantial caveat that we’ll return to in the tax section: NLV holders are not eligible for the Beckham Law, so they pay full progressive Spanish tax rates on worldwide income from day one. The Golden Visa Is Gone If you’ve been planning around Spain’s Golden Visa — the residency-by-investment program that previously offered residency in exchange for a €500,000 real estate investment — that program ended in April 2025 as part of housing market reforms. New applications are no longer accepted. Existing Golden Visa holders retain their residency, but anyone considering this route now needs to look at alternative visas, or alternative countries (Portugal and Greece still operate similar programs, though Portugal’s no longer accepts real estate). The Highly Qualified Professional Visa For Americans being recruited by Spanish companies for skilled positions, the Highly Qualified Professional (HQP) Visa provides a path tied to a specific job offer. It’s typically valid for two years and renewable, and it qualifies the holder for the Beckham Law tax regime. This is less common for traditional relocation but matters for executives and engineers being hired into Spanish operations. Choosing Among Them In practice, most Americans we work with end up on either the DNV (if working remotely) or the NLV (if retired or financially independent). The choice has significant tax implications down the line, particularly around eligibility for the Beckham Law, which we’ll cover next. The Spanish Tax System: What Americans Actually Pay This is where most pre-move planning gets serious. Spain taxes its tax residents on worldwide income — meaning your U.S. dividends, your rental income from a property in Texas, your capital gains from selling Apple stock, all of it can be subject to Spanish tax. The U.S.–Spain tax treaty and the Foreign Tax Credit prevent most cases of literal double taxation, but the interaction between the two systems creates real planning challenges. When You Become a Tax Resident Spain considers you a tax resident if any one of three things is true: you spend more than 183 days in Spain during a calendar year, your “center of economic interests” is in Spain (meaning your primary income or main assets are there), or your spouse and minor children habitually live in Spain (a rebuttable presumption). The 183-day rule is the most common trigger, and importantly, sporadic absences count toward the total unless you can prove tax residency in another country. This matters because Spanish tax residency is binary and applies to the full calendar year. If you arrive in Spain on July 1 and stay through year-end, you’ve spent 184 days there and you’re a tax resident for the entire year — including January through June, when you were still living in the U.S. Smart timing of the move can save substantial tax. We often recommend arriving after July 2 in a given year, which keeps you under the 183-day threshold for that year and pushes Spanish tax residency to year two. Income Tax Brackets Spanish income tax (IRPF) is progressive and combines a national portion with a regional portion that varies by autonomous community. For 2026, the combined general rates run roughly: Up to €12,450: about 19% €12,451 to €20,200: about 24% €20,201 to €35,200: about 30% €35,201 to €60,000: about 37% €60,001 to €300,000: about 45% Over €300,000: about 47% Investment income — dividends, interest, capital gains, and rental income from investments — is taxed on a separate “savings” schedule: Up to €6,000: 19% €6,001 to €50,000: 21% €50,001 to €200,000: 23% €200,001 to €300,000: 27% Over €300,000: 30% For most American expats earning between €40,000 and €80,000 per year, the effective Spanish tax rate is about 25–33%, which is comparable to or slightly lower than combined U.S. federal and state taxes for the same income. The pain points aren’t usually the standard rates — they’re the wealth tax, the lack of Roth recognition, and Modelo 720 reporting. The Beckham Law: A Major Opportunity Spain’s “Beckham Law” — named for the soccer player who was its early high-profile beneficiary — allows qualifying newcomers to be taxed as non-residents for up to six years, despite physically living in Spain. Under this regime, you pay a flat 24% on Spanish-source employment income up to €600,000 per year (47% on amounts above that), and your foreign income is generally exempt from Spanish taxation. For an American earning €100,000 per year on a Digital Nomad Visa with an employment contract, the Beckham Law saves roughly €10,000 annually compared to standard progressive rates — and the savings grow rapidly at higher income levels. For someone earning €250,000, the savings can exceed €40,000 per year. The Beckham Law has strict requirements. You generally must not have been a Spanish tax resident in the previous five years, you must move to Spain because of an employment contract or to take on a directorship, and — critically — you must elect into the regime within six months of registering with Spanish Social Security. Miss that six-month window and you cannot opt in later. We’ve seen this mistake destroy tens of thousands of euros of potential tax savings. The regime is available to W-2 employees and DNV holders with employment contracts. It is not available to self-employed autónomos in most circumstances, nor to Non-Lucrative Visa holders. This is why your visa choice has such significant tax implications. The Wealth Tax This is the tax that most surprises Americans. Spain’s wealth tax (Impuesto sobre el Patrimonio) is an annual levy on net worth as of December 31 each year. Spanish tax residents pay on their worldwide assets; non-residents only pay on Spanish-located assets. The structure includes a national tax-free allowance of €700,000 per person (which means €1.4 million for a married couple holding assets jointly), plus an additional €300,000 exemption for your primary residence in Spain. Above those thresholds, rates run progressively from 0.2% to 3.5%, depending on total assets and the autonomous community where you reside. Regional variation matters enormously here. Madrid and Andalucía effectively eliminate the wealth tax through 100% regional bonifications, though the national-level Solidarity Tax on Large Fortunes still applies above €3 million in those regions. Catalonia, by contrast, applies the tax in full. If wealth tax exposure is a serious concern for your situation, the autonomous community you choose to live in becomes a meaningful planning variable. There’s also a Solidarity Tax on Large Fortunes, introduced in 2023, that applies to net wealth above €3 million and adds an additional 1.7% to 3.5% on assets above that threshold. It coordinates with regional wealth tax relief to provide a national floor, so even residents of Madrid pay it on assets above €3 million. Roth IRAs in Spain: A Critical Issue Here is one of the most important things for Americans to understand before moving: Spain does not respect the tax-free status of Roth IRAs. Under U.S. law, qualified Roth IRA distributions are entirely tax-free, since contributions were made with after-tax dollars. Spain doesn’t see it that way. The Spanish tax authority (Hacienda) classifies Roth IRA distributions as investment income — specifically, as income from movable capital — and taxes them at savings rates. The taxable portion is generally the gain (the increase in value over your contributions), not the entire distribution, but this still represents a substantial loss of the Roth’s core benefit. A 2022 binding consultation (V1291-22) clarified this treatment, and the same ruling generally requires Roth IRAs to be reported on Modelo 720 and included in wealth tax calculations. The strategic implications are significant. If you have a large Roth IRA and you’re moving to Spain, you may want to consider taking distributions before establishing Spanish tax residency, while distributions are still tax-free in both countries. After becoming a tax resident, every Roth IRA distribution will likely face Spanish tax on the embedded gains. The same applies to any Roth conversions you might be considering — generally you want these completed before the move, not after. Traditional 401(k) and IRA distributions are treated more conventionally as pension or general income in Spain, and they’re taxable in both countries with foreign tax credits relieving most of the double taxation. The U.S.–Spain treaty was updated by a protocol that entered into force in November 2019, and it improves the treatment of cross-border pensions in several ways, though it does not solve the Roth issue. Capital Gains and Investment Income For Spanish tax residents, capital gains on the sale of most U.S. securities (like stocks held in a brokerage account) are taxable in Spain at savings rates of 19% to 30%. Under the U.S.–Spain treaty, gains on the sale of shares are generally taxed only in the country of residence, with limited exceptions for real estate and substantial shareholdings, so the planning here is relatively clean: if you sell while a U.S. resident, you owe U.S. tax; if you sell while a Spanish resident, you owe Spanish tax. This creates a major pre-move planning opportunity. If you have substantial unrealized gains in your taxable investment accounts, the year before your move is a powerful window. You can harvest gains at U.S. long-term capital gains rates — which top out at 23.8% including the Net Investment Income Tax — rather than at Spanish savings tax rates that run as high as 30% above €300,000 in gains. For a portfolio with $500,000 in unrealized long-term gains, the difference can be tens of thousands of dollars. This is one of the most common planning moves we recommend for clients moving to Spain with appreciated portfolios. The strategy isn’t always to harvest. If you’re moving to a non-Beckham regime and your overall income will push you into Spain’s higher capital gains brackets later, harvesting now may be valuable. If you have low income in Spain and modest gains, the Spanish tax may actually be lower than your U.S. rate. The right answer depends on your specific numbers — which is exactly the kind of cross-border modeling a fee-only planner is well-positioned to do without bias. The Foreign Earned Income Exclusion and Foreign Tax Credit U.S. citizens are taxed on worldwide income regardless of where they live, so you’ll continue filing U.S. returns from Spain. Two main mechanisms prevent literal double taxation. The Foreign Earned Income Exclusion (FEIE), claimed on Form 2555, allows you to exclude up to $130,000 of foreign earned income from U.S. taxation for the 2025 tax year (the limit adjusts for inflation each year). Qualifying requires either the bona fide residence test or the physical presence test (330 full days outside the U.S. in any 12-month period). Importantly, the FEIE only covers earned income — wages and self-employment income — not investment income. The Foreign Tax Credit (FTC), claimed on Form 1116, gives you a dollar-for-dollar credit against U.S. taxes for income taxes paid to Spain. Because Spanish rates often exceed U.S. rates at higher income levels, most expats earning above the FEIE threshold find the FTC works better. Excess credits can be carried back one year and forward ten years. The choice between FEIE and FTC has secondary effects worth understanding. The FEIE can disqualify you from making Roth IRA contributions if it pushes your taxable U.S. income low enough. The FTC preserves earned income for IRA contribution purposes. For families with college-age children, the FEIE can also affect the calculation of education credits. Reporting Obligations: Modelo 720 and FBAR Spanish tax residents must file Modelo 720 each year, declaring foreign accounts, securities, and real estate that exceed €50,000 in any of three categories. The form is informational, not a tax return, but penalties for non-filing have historically been severe (though the European Court of Justice forced Spain to substantially soften them in 2022). The filing window is January 1 through March 31 each year for the prior year’s data. On the U.S. side, you’ll continue to file: FBAR (FinCEN Form 114): required when total foreign accounts exceed $10,000 at any point during the year. Form 8938 (FATCA): required when foreign financial assets exceed $200,000 at year-end or $300,000 at any point during the year for single filers living abroad ($400,000/$600,000 for married filing jointly). Form 8621: required for any PFIC holdings — more on this below. Form 8833: to disclose treaty positions. The reporting load is real but manageable with the right preparer. What gets people in trouble isn’t usually the difficulty of any single form — it’s not knowing the forms exist. Investments: What to Do Before You Become a Spanish Tax Resident This is the single most consequential financial planning area for Americans moving to Spain, and the area where pre-move action matters most. Once you’re a Spanish tax resident, your options narrow considerably. The window before that happens is when most of the high-leverage decisions get made. The Brokerage Account Problem A wave of U.S. brokerage firms — including Vanguard, Fidelity, Morgan Stanley, Merrill Lynch, Edward Jones, Ameriprise, TIAA, USAA, and others — have been restricting or closing accounts of U.S. citizens who update their address to a foreign country. The pace accelerated sharply in 2024 and 2025 as firms tightened compliance with anti-money-laundering and FATCA-related requirements. Some firms close accounts outright; others restrict trading to liquidating positions only; some allow continued holdings but block new purchases. The practical implications for someone planning to move to Spain are: Don’t update your address until you have a plan. Once your firm sees a Spanish address, you may have 30 to 60 days to make decisions under significant time pressure. Identify expat-friendly custodians in advance. Charles Schwab International and Interactive Brokers continue to serve U.S. expats in Spain with relatively few restrictions, and a handful of independent advisory firms maintain relationships with custodians who will hold accounts for U.S. citizens abroad — typically when those accounts are managed by the advisory firm rather than self-directed. Transfer assets in-kind, don’t liquidate. If you’re forced to move accounts, transferring securities directly between custodians avoids creating a tax event. Liquidating into cash can trigger massive unintended capital gains. We spend considerable time at AIO Financial helping clients structure their accounts to remain compliant and accessible from abroad. The best time to do this work is before the move. Why Local European Brokerages Are a Trap for Americans The natural instinct, once you’ve moved to Spain, is to open a Spanish or European brokerage account and invest locally. For non-Americans, this is fine. For U.S. citizens, it’s a tax catastrophe — because of the Passive Foreign Investment Company (PFIC) rules. Under U.S. tax law, virtually any non-U.S. pooled investment vehicle — every European mutual fund, every UCITS ETF, every European-domiciled index fund — is classified as a PFIC. The IRS designed PFIC rules to discourage Americans from investing in foreign funds that the IRS cannot easily audit, and the punishment is severe: PFICs are taxed at the highest ordinary income rates (currently up to 37%) on gains, with interest charges layered on top, and require an annual Form 8621 filing that can take a tax preparer several hours per fund to complete. There’s a Qualified Electing Fund (QEF) election that can avoid the worst of these rules, but it requires the foreign fund to provide an annual PFIC statement with very specific information. Almost no European fund managers produce these for retail investors, so QEF elections are theoretically available but practically impossible. The bottom line is straightforward: as a U.S. citizen living in Spain, you generally need to invest through a U.S. brokerage in U.S.-domiciled funds and ETFs. Buying European funds — even excellent, low-cost European index funds — turns a clean financial picture into a tax disaster. There’s a complicating wrinkle: EU MiFID II regulations restrict EU-resident investors from buying many U.S.-domiciled ETFs, because U.S. fund providers haven’t produced the EU-required Key Information Documents. Most U.S. expats in Europe end up holding individual stocks, ETFs purchased through expat-friendly U.S. brokerages, and pre-existing fund positions. Some use options strategies or structured workarounds. Working with a cross-border advisor who understands which products remain accessible matters here. Pre-Move Investment Moves to Consider Twelve to eighteen months before your move, the following are typically worth analyzing: Harvesting long-term capital gains. As discussed above, U.S. long-term gains rates often beat Spanish savings rates, and once you’re a Spanish resident, every sale potentially triggers Spanish tax. Strategically selling and rebuying appreciated positions in your final U.S. year can lock in U.S. tax treatment. Roth conversions. If you have meaningful traditional IRA balances and you’re not in a high U.S. tax bracket, completing Roth conversions before the move means the conversion is taxed at U.S. rates only. After the move, conversions get more complicated (and the resulting Roth doesn’t get U.S.-style tax-free treatment in Spain anyway). Roth distributions. For older clients with substantial Roth balances who plan to draw on them in retirement, taking distributions before becoming a Spanish tax resident captures the full Roth benefit. Once in Spain, the gain portion of every distribution is taxable. HSA decisions. Health Savings Accounts are not recognized by Spain. The income inside them is potentially taxable annually for Spanish tax residents. Some clients draw down HSAs before the move; others maintain them with the understanding that ongoing reporting and tax will apply. 529 plans. Similar issues. 529 plans aren’t recognized as tax-advantaged in Spain, and depending on the structure, may create ongoing Spanish tax liability. Drawing down 529s for U.S. educational use before the move, or restructuring them, is often part of the plan. Real estate decisions. Selling a U.S. primary residence before the move keeps the Section 121 exclusion ($250,000 single / $500,000 married) cleanly available under U.S. rules. Selling after the move adds Spanish tax considerations and can complicate the exclusion. Renting out the U.S. home while abroad creates ongoing reporting in both countries but can be the right answer for those who plan to return. Trust and estate review. U.S. revocable living trusts are not recognized as transparent in Spain — Spanish tax authorities may treat them as opaque foreign entities, which can create unexpected tax consequences. Estate plans drafted under U.S. assumptions often need substantial revision before a move. Should You Keep Investments in the U.S. or Move Them Abroad? For almost every American citizen moving to Spain, the answer is: keep your investments in the U.S. The combination of PFIC rules, EU MiFID II restrictions on U.S. ETFs, and the comparatively higher costs and lower transparency of European retail investing means that a U.S.-domiciled portfolio held at an expat-friendly U.S. brokerage is almost always the right structure. The exception is if you renounce U.S. citizenship — but that’s a separate, much larger conversation. What changes is what you hold and how you manage it. U.S.-domiciled ETFs and individual stocks remain the foundation. You may need to adjust around currency exposure (more on this below), tax-efficiency rules that differ between the two countries, and the loss of access to certain U.S. mutual funds that don’t allow non-resident purchases. Asset location — what you hold in Roth versus traditional versus taxable accounts — also looks different through a cross-border lens. Currency Considerations One question we get often: should you convert to euros once you move? The honest answer is “it depends on your time horizon and liabilities.” Most retirees and long-term residents in Spain end up with euro-denominated living expenses but dollar-denominated investments. Over time, this creates currency exposure: a 10% drop in the dollar means your investment portfolio buys 10% less in Spain. There are a few approaches we use with clients: Hold a euro cash reserve sufficient to cover 1–2 years of living expenses. This protects against short-term currency movements forcing investment sales at bad prices. Don’t try to time currency markets. Strategic currency hedging at the portfolio level is rarely worth the cost for individual investors. For larger portfolios, consider modest direct euro exposure through ETFs that hold European equities or international developed-market funds. Don’t overdo it — global diversification is good; concentrated currency bets are not. Moving Cash: How to Actually Get Money to Spain Getting funds across the Atlantic has gotten easier in recent years but still has friction points worth understanding. Wire Transfers vs. Money Service Providers Traditional bank wires from a U.S. bank to a Spanish bank work but are typically expensive — fees commonly run $25–$50 per outbound wire from the U.S. side, plus a poor exchange rate that often costs another 1–3% of the amount transferred. For a $100,000 transfer, that’s potentially $3,000+ in spread costs. Specialized providers like Wise (formerly TransferWise), OFX, and Revolut typically offer mid-market exchange rates with much lower fees, often under 0.5% all-in. For larger transfers, a foreign exchange broker can negotiate even better rates, sometimes with a forward contract that locks in the exchange rate for a specific future date — useful when you’re closing on a Spanish property and want to know exactly how many dollars the euro purchase price will cost. For most cross-Atlantic transfers under $250,000, Wise is the simplest and lowest-cost option. Above that, dedicated FX brokers start to make sense. Spanish Bank Accounts You’ll need a Spanish bank account for daily living. The traditional banks (CaixaBank, BBVA, Santander) all offer non-resident accounts you can open before establishing residency, though increasingly they want to see your NIE (Spanish foreigner identification number) or your visa. Newer digital banks like N26 and Revolut are popular with expats for their lower fees and English-language interfaces, though some Spanish landlords and employers still prefer traditional banks. A common approach: open a basic non-resident account at a major Spanish bank for housing transactions and government payments, plus a Wise multicurrency account for receiving USD income and converting to EUR efficiently. Reporting Large Transfers Both U.S. and Spanish authorities track large cross-border transfers. On the U.S. side, transfers over $10,000 are reported automatically by your bank to FinCEN. On the Spanish side, banks report incoming international transfers to the Banco de España and tax authorities. None of this is illegal or problematic — but if you’re moving $400,000 to buy a house in Valencia, expect both sides to know, and don’t structure transfers in ways that look like you’re trying to avoid reporting (which is itself a U.S. federal crime). Cash Buffer for the First Year We typically recommend clients have at least six months — preferably twelve months — of Spanish living expenses available in liquid form before the move, in addition to their long-term investment portfolio. The first year in Spain comes with surprise costs: temporary housing, deposits, immigration fees, legal and tax advisor fees, furniture, car purchases, healthcare deposits. Having a cash buffer means none of this requires selling investments at a bad time or running up debt at unfavorable rates. Healthcare, Insurance, and Social Security Spain has one of the better healthcare systems in the developed world, but accessing it as a new arrival requires planning. Most visa categories require private health insurance during the application process and typically through the first year of residency. Standard policies from companies like Adeslas, Sanitas, and Asisa run €60–€150 per month per person depending on age and coverage level. After establishing residency and (for those working in Spain) contributing to Spanish Social Security, you become eligible for the public system, which is generally excellent. For Americans on Medicare, Medicare does not cover care received in Spain. Some retirees maintain Medicare and pay the Part B premiums in case they return to the U.S.; others let it lapse. Reactivation comes with late-enrollment penalties, so this decision deserves careful thought before it’s made. U.S. Social Security retirement benefits continue to be paid to U.S. citizens living in Spain, and the U.S.–Spain Totalization Agreement helps prevent dual social security taxation for many work situations. Working in Spain also generates Spanish social security credits that may eventually qualify you for Spanish retirement benefits, though qualification typically requires fifteen or more years of contributions. Estate Planning Across Borders This is the area most often deferred — and most often regretted. U.S. estate plans drafted assuming U.S. residence rarely work cleanly in Spain. Spain has its own inheritance and gift tax (Impuesto sobre Sucesiones y Donaciones) that applies to Spanish residents and to inheritances of Spanish-located assets. National rates run from 7.65% to 34%, with multipliers based on the relationship between the deceased and the beneficiary. Autonomous communities have wide latitude to set their own rates and bonifications, so effective rates vary enormously: in Madrid, Andalucía, and several other regions, close family members pay almost nothing; in others, rates approach the national maximum. Spanish forced heirship rules also differ from U.S. rules. Spain reserves a legitimate portion of an estate for certain heirs (typically children), which can override testamentary wishes expressed in a U.S. will. EU Regulation 650/2012 allows you to elect U.S. (or your nationality’s) law to govern your succession, but this election generally must be made explicitly in your will and is not automatic. Revocable living trusts, the workhorse of U.S. estate planning, are not transparent in Spain. The Spanish tax authority may treat the trust as a separate opaque entity, which can create unexpected income tax during life and complicate inheritance treatment at death. Many cross-border families need to revise or replace their trust structure before the move. Practical recommendations: consult a Spanish abogado experienced in cross-border estate planning before the move. Have a Spanish will (separate from your U.S. will) covering Spanish-located assets. Make explicit choice-of-law elections under EU Regulation 650/2012. Review beneficiary designations on all U.S. accounts to ensure they still make sense. Lifestyle Costs: What Spain Actually Costs in 2026 A rough framework for Spanish living costs in 2026, by region: Mid-sized cities (Valencia, Granada, Málaga, Seville, Zaragoza): A comfortable lifestyle for a single person runs €1,800–€2,500 per month including rent for a one-bedroom in a desirable neighborhood. A couple typically lives well on €3,000–€4,500 per month. Madrid and Barcelona: Add 30–50% to the above. A nice one-bedroom in central Madrid runs €1,400–€2,000 per month; in Barcelona, €1,500–€2,200. Total monthly costs for a single person comfortably range €2,800–€4,000. Coastal premium areas (Marbella, Ibiza, parts of Mallorca): Closer to U.S. coastal city costs, especially in summer months. Expect €4,000+ monthly for comfortable single living, often €6,000+ for couples. Rural and smaller towns: Substantially lower. Many Americans report living comfortably in Spanish villages or small cities for €1,500–€2,000 monthly per person, including rent. These figures cover housing, food, utilities, transport, basic entertainment, and private health insurance. They don’t include big-ticket items like a car purchase, international travel, or major medical events. A Practical Pre-Move Timeline For a hypothetical move twelve to eighteen months in the future, here’s the timeline we generally recommend: T-18 to T-12 months: Strategic planning. Engage a U.S.-side cross-border financial planner and a Spanish abogado/tax specialist. Decide on visa pathway. Begin tax-projection modeling. Identify which U.S. accounts will move and which custodians can serve you abroad. Begin Spanish language study if you haven’t already. T-12 to T-9 months: Big financial moves. If indicated, complete Roth conversions. Begin strategic gain harvesting in taxable accounts. Review 529 and HSA balances for pre-move decisions. Decide on U.S. real estate (sell, rent, or hold). Update estate documents. T-9 to T-6 months: Visa application. Gather documents, get FBI background check apostilled, prepare income documentation, file the visa application. (Application processing typically takes 4–5 months.) T-6 to T-3 months: Logistics. Arrange international moving company. Begin planning what to ship versus sell versus store. Open expat-friendly U.S. brokerage account if needed. Open Spanish non-resident bank account if possible. Identify Spanish housing for the first 3–6 months. T-3 months to move date: Execution. Final tax planning moves. Cancel U.S. utilities, services, insurance. Notify employer if working remotely. Confirm all Spanish appointments (NIE, padrón, visa pickup). Time the actual move date for tax efficiency — generally after July 2 in any given calendar year if circumstances permit. T-0 to T+6 months in Spain: Settling in. Register with local padrón. Apply for Tarjeta de Identidad de Extranjero (TIE). Set up Spanish utilities, internet, healthcare. Critically: file Beckham Law election within 6 months of Social Security registration if eligible. Begin Spanish tax registration with AEAT. T+12 months: First Spanish tax return. File first IRPF return for the partial year (if applicable). Review and adjust ongoing tax strategy based on actual income realized. How AIO Financial Works With Cross-Border Clients At AIO Financial, our work with Americans moving to Spain is fundamentally about reducing the cost of bad surprises. We are a fee-only fiduciary firm — meaning we receive no commissions, no kickbacks, no revenue from any product we recommend. Our clients pay us directly, and we work only for them. That structure matters especially for international moves, where the financial services industry’s commission-based incentives often push expats into expensive insurance products and PFIC-laden offshore structures that primarily benefit the salesperson. Our typical engagement with a Spain-bound client involves an initial deep planning phase eight to twelve months before the move, then transition support during the move itself, then ongoing investment management and annual planning review once settled. We coordinate with Spanish tax counsel and U.S. expat tax preparers — we don’t replace them, but we make sure all the pieces fit together. We help clients maintain compliant U.S. brokerage relationships from abroad through our institutional arrangements. We don’t claim to be everything. We’re not Spanish lawyers or accountants. We don’t handle Spanish tax filings ourselves. Spain’s gestores and Spanish tax advisors handle that side of the picture. Our role is the U.S.-side planning and the cross-border coordination — making sure the two systems work together rather than against each other for our clients. The Bottom Line Moving to Spain can be one of the best financial and lifestyle decisions an American family makes. It can also be one of the most expensive, depending on how the planning goes. The difference is rarely about how much money you have — it’s about how much advance planning you do. The tax rates aren’t usually the killer. Spain isn’t dramatically more expensive than the U.S. on income tax for most middle-income families. What costs people money is the avoidable mistakes: missing the Beckham Law deadline, holding the wrong type of investments, triggering U.S. capital gains in Spain when they could have been harvested at home, getting blindsided by Modelo 720 reporting, ending up in a high-wealth-tax region without realizing it. Almost all of these are preventable. The work to prevent them mostly happens twelve to eighteen months before the plane takes off, not after. If you’re seriously considering Spain, the time to start the financial planning conversation is now. AIO Financial is a fee-only fiduciary financial planning firm registered with the SEC, headquartered in Tucson, Arizona, and serving clients virtually across the United States and abroad. We specialize in expat financial planning, sustainable and impact investing, retirement planning, and tax-aware investment management. We earn no commissions, sell no products, and are compensated only by our clients. To discuss your situation, visit aiofinancial.com or contact us at 520-325-0769. This guide is for educational purposes only and is not legal, tax, or investment advice. Tax laws and visa rules change frequently. The figures, thresholds, and rates cited reflect our understanding as of early 2026 and are subject to change. Please consult qualified U.S. and Spanish professionals about your specific situation before making cross-border financial or relocation decisions.

There are a lot of things that can keep you from the stage. Here's a unique one that happened to me, that I never even considered! It's okay. I made the gig. But I can now add this to a list of ridiculous things that have happened to me in my comedy career. https://www.TheWorkLady.com  Jan McInnis is a top change management keynote speaker, comedian, and funny motivational speaker who helps organizations use humor to handle change, build resilience, and strengthen leadership skills. With her laugh-out-loud stories and practical tips, Jan shows audiences how humor isn't just entertainment—it's a business skill that drives communication, connection, and stress relief.   A conference keynote speaker, Master of Ceremonies, and comedy writer, Jan has written material for The Tonight Show with Jay Leno as well as radio, TV, and syndicated cartoon strips. She's the author of two books—Finding the Funny Fast and Convention Comedian—and her insights on humor in business have been featured in The Wall Street Journal, The Washington Post, and The Huffington Post. For over 25 years, she has been helping leaders and teams discover how to bounce back from setbacks, embrace change, and connect through comedy.   Jan has delivered keynote speeches at thousands of events nationwide, from the Federal Reserve Banks to the Mayo Clinic, for industries that include healthcare, finance, government, education, women's leadership events, technology, and safety & disaster management. Her client list features respected organizations such as: Healthcare: Mayo Clinic, Kaiser Permanente, Abbott Pharmaceuticals, Health Information Management Associations, Assisted Living Associations Finance: Federal Reserve Banks, Merrill Lynch, Transamerica Insurance, BDO Accounting, American Institute of CPAs, credit unions, banking associations Government: U.S. Air Force, Social Security Administration, International Institute of Municipal Clerks, National League of Cities, public utilities, correctional associations Women's Leadership Events: Toyota Women's Conference, Go Red for Women, Speaking of Women's Health, Soroptimists, Women in Insurance & Financial Services Education: State superintendent associations, community college associations, Head Start associations, National Association of Elementary and Middle School Principals Safety & Disaster: International Association of Emergency Managers, Disney Emergency Management, Mid-Atlantic Safety Conference, risk management associations   Her background as a Washington, D.C. marketing executive gives her a unique perspective that blends business acumen with stand-up comedy. Jan was also honored with the Greater Washington Society of Association Executives "Excellence in Education" Award. Along with her podcast Finding the Funny: Leadership Tips from a Comedian, Jan also produces Comedian Stories: Tales From the Road in Under 5 Minutes. Whether she's headlining a major convention, hosting a leadership retreat, or teaching resilience at a safety conference, Jan's programs give audiences the tools to laugh, learn, and lead.  

The Social Security Administration just dropped the latest baby name data AND some of the trending names are not what you'd expect

Real or imagined we picked the best rivalries during this week's Rank You Very Much (watch out Iowa) plus the Social Security Administration lets us know the strange baby names Americans are picking... but yours sure topped them and why we're still don't need to worry about a shark invasion. See omnystudio.com/listener for privacy information.

In this episode of The CX Tipping Point Podcast, Martha Dorris sat down with Michelle Filicetta and Laura Walker of the Social Security Administration's Prescott, Arizona field office to explore how meaningful change in government service delivery often starts at the front lines.Michelle, District Manager and 2025 Service to the Citizen Award recipient, and Laura, a Claims Specialist and 2025 Rising Star, share their journey from recognizing the need for improvement to actively transforming how services are delivered. From small, test-and-learn improvements to building leadership buy-in, they discuss how customer experience principles are transforming SSA from the inside out. They also highlight the importance of empathy in public service, including a powerful story that shows how going beyond process can truly change lives.This episode underscores the importance of delivering timely, accurate, and compassionate service—and how both career civil servants and political appointees play complementary roles in driving meaningful progress. Michelle and Laura leave listeners with a message of optimism and a call to action: meaningful transformation is possible when people are empowered to care, collaborate, and lead from where they are.Michelle can be reached at Michelle.Felicetta@ssa.gov and Laura can be reached at laura.walker@ssa.gov.Laura Walker's Service to the Citizen acceptance speech can be accessed here.Highlights from the 2025 Service to the Citizen Awards program are available here.Thank you for listening to this episode of The CX Tipping Point Podcast! If you enjoyed it, please consider subscribing, rating, and leaving a review on your favorite podcast platform. Your support helps us reach more listeners!Stay Connected:Follow us on social media:LinkedIn: @DorrisConsultingInternationalTwitter: @DorrisConsultngFacebook: @DCInternationalResources Mentioned:Citizen Services Newsletter2024 Service to the Citizen Awards Nomination Form

Sometimes people wait to pick an airline seat until they board the plane, and then they want YOURS. People trying to bully others into switching seats with them is a real thing on the airlines. I've had a few good and bad situations with airplane musical chairs. Here's a couple short stories about people wanting me to move.  https://www.TheWorkLady.com  Jan McInnis is a top change management keynote speaker, comedian, and funny motivational speaker who helps organizations use humor to handle change, build resilience, and strengthen leadership skills. With her laugh-out-loud stories and practical tips, Jan shows audiences how humor isn't just entertainment—it's a business skill that drives communication, connection, and stress relief.   A conference keynote speaker, Master of Ceremonies, and comedy writer, Jan has written material for The Tonight Show with Jay Leno as well as radio, TV, and syndicated cartoon strips. She's the author of two books—Finding the Funny Fast and Convention Comedian—and her insights on humor in business have been featured in The Wall Street Journal, The Washington Post, and The Huffington Post. For over 25 years, she has been helping leaders and teams discover how to bounce back from setbacks, embrace change, and connect through comedy.   Jan has delivered keynote speeches at thousands of events nationwide, from the Federal Reserve Banks to the Mayo Clinic, for industries that include healthcare, finance, government, education, women's leadership events, technology, and safety & disaster management. Her client list features respected organizations such as: Healthcare: Mayo Clinic, Kaiser Permanente, Abbott Pharmaceuticals, Health Information Management Associations, Assisted Living Associations Finance: Federal Reserve Banks, Merrill Lynch, Transamerica Insurance, BDO Accounting, American Institute of CPAs, credit unions, banking associations Government: U.S. Air Force, Social Security Administration, International Institute of Municipal Clerks, National League of Cities, public utilities, correctional associations Women's Leadership Events: Toyota Women's Conference, Go Red for Women, Speaking of Women's Health, Soroptimists, Women in Insurance & Financial Services Education: State superintendent associations, community college associations, Head Start associations, National Association of Elementary and Middle School Principals Safety & Disaster: International Association of Emergency Managers, Disney Emergency Management, Mid-Atlantic Safety Conference, risk management associations   Her background as a Washington, D.C. marketing executive gives her a unique perspective that blends business acumen with stand-up comedy. Jan was also honored with the Greater Washington Society of Association Executives "Excellence in Education" Award. Along with her podcast Finding the Funny: Leadership Tips from a Comedian, Jan also produces Comedian Stories: Tales From the Road in Under 5 Minutes. Whether she's headlining a major convention, hosting a leadership retreat, or teaching resilience at a safety conference, Jan's programs give audiences the tools to laugh, learn, and lead.  

Monday, April 14th, 2025 The Trump administration once again defies court orders - this time in the Abrego Garcia case; a disgraced former cop is found to have been the person that led to the deportation of the stylist to CECOT; the Federal Trade Commission's blockbuster antitrust case against Meta kicks off today in the District of Columbia; the Social Security Administration is shifting to Twitter posts for official messaging after cuts to communications staff; Trump floated a plan to exempt hotel and farm workers from deportation; the Trump regime is set to end protections for Afghans and Cameroonians; DOGE overrode Social Security staff to put people on the dead list; team Trump is gaming out how to send US Citizens to El Salvador; Pennsylvania Governor Josh Shapiro's home was set on fire by an arsonist; hundreds of students at military base schools walkout in protest of anti-diversity policies; and Allison and Dana deliver your Good News. Guest: Michael Lukens Michael Lukens - Executive Director - Amica Center Amica Center For Immigrant Rights Amica Center for Immigrant Rights (@AmicaCenter) | Twitter Amica Center (@amica.center) • Instagram Stories: TEAM TRUMP IS GAMING OUT HOW TO SHIP U.S. CITIZENS TO EL SALVADOR | Rolling Stone Gay Venezuelan stylist sent to Salvadoran prison after a disgraced Milwaukee cop's report | Milwaukee Journal Sentinel Trump administration overrode Social Security staff to list immigrants as dead - The Washington Post Trump Will End Temporary Protections for Afghans and Cameroonians - The New York Times Trump floats plan for undocumented farm and hotel workers to work legally in the U.S. | NBC News Suspect in custody after arson attack on Pa. governor's home, police say | The Washington Post SSA shifts to X posts for official messaging after cuts to communications staff | Federal News Network The biggest trial in Meta's history starts Monday. Here's what to know | NPR Hundreds of Students at Military Base Schools Walk Out to Protest Trump Administration's Anti-Diversity Policies Good Trouble: Head to AmicaCenter.org to keep up with the latest in the fight to protect immigrant rights - News - Amica Center Find Upcoming Actions -  50501 Movement Reminder - you can see the pod pics if you become a Patron. The good news pics are at the bottom of the show notes of each Patreon episode! That's just one of the perks of subscribing! patreon.com/muellershewrote Listener Survey:http://survey.podtrac.com/start-survey.aspx?pubid=BffJOlI7qQcF&ver=shortFollow the Podcast on Apple:https://apple.co/3XNx7ckWant to support the show and get it ad-free and early?https://patreon.com/thedailybeanshttps://dailybeans.supercast.com/https://apple.co/3UKzKt0 Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Getting representation in hollywood or in entertainment in general can be a jungle. There's good and bad advice and you can end up chasing representation for most of your career. Here's a short story about when the hollywood representation came to me!  Take a listen and please subscribe or check out my website.    https://www.TheWorkLady.com  Jan McInnis is a top change management keynote speaker, comedian, and funny motivational speaker who helps organizations use humor to handle change, build resilience, and strengthen leadership skills. With her laugh-out-loud stories and practical tips, Jan shows audiences how humor isn't just entertainment—it's a business skill that drives communication, connection, and stress relief.   A conference keynote speaker, Master of Ceremonies, and comedy writer, Jan has written material for The Tonight Show with Jay Leno as well as radio, TV, and syndicated cartoon strips. She's the author of two books—Finding the Funny Fast and Convention Comedian—and her insights on humor in business have been featured in The Wall Street Journal, The Washington Post, and The Huffington Post. For over 25 years, she has been helping leaders and teams discover how to bounce back from setbacks, embrace change, and connect through comedy.   Jan has delivered keynote speeches at thousands of events nationwide, from the Federal Reserve Banks to the Mayo Clinic, for industries that include healthcare, finance, government, education, women's leadership events, technology, and safety & disaster management. Her client list features respected organizations such as: Healthcare: Mayo Clinic, Kaiser Permanente, Abbott Pharmaceuticals, Health Information Management Associations, Assisted Living Associations Finance: Federal Reserve Banks, Merrill Lynch, Transamerica Insurance, BDO Accounting, American Institute of CPAs, credit unions, banking associations Government: U.S. Air Force, Social Security Administration, International Institute of Municipal Clerks, National League of Cities, public utilities, correctional associations Women's Leadership Events: Toyota Women's Conference, Go Red for Women, Speaking of Women's Health, Soroptimists, Women in Insurance & Financial Services Education: State superintendent associations, community college associations, Head Start associations, National Association of Elementary and Middle School Principals Safety & Disaster: International Association of Emergency Managers, Disney Emergency Management, Mid-Atlantic Safety Conference, risk management associations   Her background as a Washington, D.C. marketing executive gives her a unique perspective that blends business acumen with stand-up comedy. Jan was also honored with the Greater Washington Society of Association Executives "Excellence in Education" Award. Along with her podcast Finding the Funny: Leadership Tips from a Comedian, Jan also produces Comedian Stories: Tales From the Road in Under 5 Minutes. Whether she's headlining a major convention, hosting a leadership retreat, or teaching resilience at a safety conference, Jan's programs give audiences the tools to laugh, learn, and lead.  

When people think of LA, they think of traffic. But they should really think of parking! I've had good and bad parking experiences, especially at LAX since I'm there a lot. Here's a quick story about some of the places I've parked there.  https://www.TheWorkLady.com  Jan McInnis is a top change management keynote speaker, comedian, and funny motivational speaker who helps organizations use humor to handle change, build resilience, and strengthen leadership skills. With her laugh-out-loud stories and practical tips, Jan shows audiences how humor isn't just entertainment—it's a business skill that drives communication, connection, and stress relief.   A conference keynote speaker, Master of Ceremonies, and comedy writer, Jan has written material for The Tonight Show with Jay Leno as well as radio, TV, and syndicated cartoon strips. She's the author of two books—Finding the Funny Fast and Convention Comedian—and her insights on humor in business have been featured in The Wall Street Journal, The Washington Post, and The Huffington Post. For over 25 years, she has been helping leaders and teams discover how to bounce back from setbacks, embrace change, and connect through comedy.   Jan has delivered keynote speeches at thousands of events nationwide, from the Federal Reserve Banks to the Mayo Clinic, for industries that include healthcare, finance, government, education, women's leadership events, technology, and safety & disaster management. Her client list features respected organizations such as: Healthcare: Mayo Clinic, Kaiser Permanente, Abbott Pharmaceuticals, Health Information Management Associations, Assisted Living Associations Finance: Federal Reserve Banks, Merrill Lynch, Transamerica Insurance, BDO Accounting, American Institute of CPAs, credit unions, banking associations Government: U.S. Air Force, Social Security Administration, International Institute of Municipal Clerks, National League of Cities, public utilities, correctional associations Women's Leadership Events: Toyota Women's Conference, Go Red for Women, Speaking of Women's Health, Soroptimists, Women in Insurance & Financial Services Education: State superintendent associations, community college associations, Head Start associations, National Association of Elementary and Middle School Principals Safety & Disaster: International Association of Emergency Managers, Disney Emergency Management, Mid-Atlantic Safety Conference, risk management associations   Her background as a Washington, D.C. marketing executive gives her a unique perspective that blends business acumen with stand-up comedy. Jan was also honored with the Greater Washington Society of Association Executives "Excellence in Education" Award. Along with her podcast Finding the Funny: Leadership Tips from a Comedian, Jan also produces Comedian Stories: Tales From the Road in Under 5 Minutes. Whether she's headlining a major convention, hosting a leadership retreat, or teaching resilience at a safety conference, Jan's programs give audiences the tools to laugh, learn, and lead.  

Social security benefits help children and spouses survive after a death — but accessing them is a Sisyphean task. Chabeli Carrazana, The 19th's economy and childcare reporter, joins host Krys Boyd to discuss how DOGE gutted the Social Security Administration so there's not enough staff to process claims, the hours on hold families must wait and how women and children are impacted disproportionately by these failures. Her article is “Widows are waiting months for the benefits meant to help them after loss.” Learn about your ad choices: dovetail.prx.org/ad-choices

On this milestone 300th episode of the Retire with Ryan podcast, I dig into whether the Social Security lump sum payment option is right for you. After a client reached out with questions about whether accepting a lump sum is a good deal, I want to break down how the option works, who it's available to, and the key factors to consider when making this important decision. If you're approaching retirement, this episode offers practical guidance on weighing the lump sum versus higher monthly benefits, health considerations, and the impact on survivor benefits and taxes.    You will want to hear this episode if you are interested in... [00:00] Getting started with Social Security [05:22] monthly Social Security benefit calculations [06:11] Reasons to take the lump sum [07:48] Health concerns and social security benefits [08:27] When passing on the lump sum is a better choice [10:24] Your lump sum may increase your taxable income   Should You Take the Social Security Lump Sum? When you apply for Social Security after your full retirement age (FRA), the Social Security Administration may offer a lump sum payment. This option is generally given to individuals who delay collecting benefits past their FRA. The lump sum typically covers up to six months of retroactive benefits. For example, if your FRA is 66 and you apply a year later, you might be eligible for a lump sum equal to six months of prior payments. However, there's a catch: your monthly benefit will be calculated as if you started receiving Social Security six months earlier, resulting in a lower monthly payment going forward.   The Math Behind the Decision Let's look at the numbers. Suppose your current monthly Social Security benefit is $2,500. If you elect the lump sum, your payment will be based on your benefit from six months ago—roughly 4% lower, or about $2,350 per month. You would receive a lump sum ($2,350 x 6 = $14,100), but your ongoing monthly benefit would start at the lower amount. Dividing the lump sum ($14,100) by the monthly difference ($150) gives about 94 months, or almost eight years. In other words, it will take eight years of receiving the higher benefit to make up for not taking the lump sum.   Reasons to Take the Lump Sum There are situations where the lump sum makes sense: 1. Immediate Financial Need: If you have bills, a major expense, or want to fund something important like a vacation, accessing the lump sum offers flexibility. 2. Health Concerns: If your health is poor, the lump sum may be preferable. Social Security benefits cease at death, except for a $255 survivor payment. Taking the lump sum ensures you receive more of your entitled benefits within your lifetime.   Reasons to Decline the Lump Sum For many, passing on the lump sum will be the wiser move, if you're healthy and likely to live at least eight years, your higher monthly benefit will surpass the lump sum. Something else to consider is if you're the higher-earning spouse, your survivor's benefits will be based on your monthly payment. Opting for a lower benefit reduces what your spouse would receive after your passing. Future cost-of-living increases are based on your initial benefit. Starting at a lower monthly payment means smaller dollar increases over time. Historically, Cost of Living Adjustments (COLA) average 2.8% per year; these can add up and compound. You also need to remember that receiving a lump sum may increase your taxable income for that year, possibly pushing you into a higher bracket or increasing taxes on your Social Security benefits. Ultimately, the decision is highly personal. Assess your health, financial needs, family longevity, and whether your spouse would depend on your benefit. Crunching the numbers will clarify your breakeven point.   Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE    Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact Subscribe to Retire With Ryan  

In breaking news, a new Emergency suit has been filed to block Trump's efforts on Tuesday to have the Department of Homeland Security, Social Security Administration and Postal Service (!!), stand between voters and the ballot box and deny mail in ballots to eligible voters, in violation of the Constitution, the Voting Rights Act, the Privacy Act, and seeking an immediate injunction. Popok is on the case to explain why this latest attempt by Trump to steal power from the States should immediately fail like the one he did last year about voter ID. Delete Me: Get 20% off your DeleteMe plan when you go to join https://joindeleteme.com/LEGALAF and use promo code LEGALAF at checkout. Subscribe:  @LegalAFMTN  Visit https://meidasplus.com for more! Remember to subscribe to ALL the MeidasTouch Network Podcasts: MeidasTouch: https://www.meidastouch.com/tag/meidastouch-podcast Legal AF: https://www.meidastouch.com/tag/legal-af MissTrial: https://meidasnews.com/tag/miss-trial The PoliticsGirl Podcast: https://www.meidastouch.com/tag/the-politicsgirl-podcast Cult Conversations: The Influence Continuum with Dr. Steve Hassan: https://www.meidastouch.com/tag/the-influence-continuum-with-dr-steven-hassan The Weekend Show: https://www.meidastouch.com/tag/the-weekend-show The Ken Harbaugh Show: https://meidasnews.com/tag/the-ken-harbaugh-show Majority 54: https://www.meidastouch.com/tag/majority-54 On Democracy with FP Wellman: https://www.meidastouch.com/tag/on-democracy-with-fpwellman Uncovered: https://www.meidastouch.com/tag/maga-uncovered Learn more about your ad choices. Visit megaphone.fm/adchoices

The Social Security Administration's rollout of new systems for scheduling appointments and managing its caseload nationwide is on hold for now.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Traveling the comedy road is tough especially when you have to leave your pets at home. My cat Rover was with me through many good and bad times, and then when I went into comedy, I had to leave her for months at a time. Luckily I had a solution. Here's my quick story about Wht to do about Rover.  https://www.TheWorkLady.com  Jan McInnis is a top change management keynote speaker, comedian, and funny motivational speaker who helps organizations use humor to handle change, build resilience, and strengthen leadership skills. With her laugh-out-loud stories and practical tips, Jan shows audiences how humor isn't just entertainment—it's a business skill that drives communication, connection, and stress relief.   A conference keynote speaker, Master of Ceremonies, and comedy writer, Jan has written material for The Tonight Show with Jay Leno as well as radio, TV, and syndicated cartoon strips. She's the author of two books—Finding the Funny Fast and Convention Comedian—and her insights on humor in business have been featured in The Wall Street Journal, The Washington Post, and The Huffington Post. For over 25 years, she has been helping leaders and teams discover how to bounce back from setbacks, embrace change, and connect through comedy.   Jan has delivered keynote speeches at thousands of events nationwide, from the Federal Reserve Banks to the Mayo Clinic, for industries that include healthcare, finance, government, education, women's leadership events, technology, and safety & disaster management. Her client list features respected organizations such as: Healthcare: Mayo Clinic, Kaiser Permanente, Abbott Pharmaceuticals, Health Information Management Associations, Assisted Living Associations Finance: Federal Reserve Banks, Merrill Lynch, Transamerica Insurance, BDO Accounting, American Institute of CPAs, credit unions, banking associations Government: U.S. Air Force, Social Security Administration, International Institute of Municipal Clerks, National League of Cities, public utilities, correctional associations Women's Leadership Events: Toyota Women's Conference, Go Red for Women, Speaking of Women's Health, Soroptimists, Women in Insurance & Financial Services Education: State superintendent associations, community college associations, Head Start associations, National Association of Elementary and Middle School Principals Safety & Disaster: International Association of Emergency Managers, Disney Emergency Management, Mid-Atlantic Safety Conference, risk management associations   Her background as a Washington, D.C. marketing executive gives her a unique perspective that blends business acumen with stand-up comedy. Jan was also honored with the Greater Washington Society of Association Executives "Excellence in Education" Award. Along with her podcast Finding the Funny: Leadership Tips from a Comedian, Jan also produces Comedian Stories: Tales From the Road in Under 5 Minutes. Whether she's headlining a major convention, hosting a leadership retreat, or teaching resilience at a safety conference, Jan's programs give audiences the tools to laugh, learn, and lead.  

In this episode of Scam Rangers, Ayelet Biger-Levin sits down with Rebecca Rose from the Social Security Administration's Office of the Inspector General to unpack the reality of scams today, and why they are far more than just a financial problem.Scams have evolved into highly coordinated, psychologically-driven attacks designed to manipulate people in moments of fear, urgency, and trust. Rebecca shares how government imposter scams work, why they continue to grow, and the patterns behind them, including the now well-known “4 P's”: person, problem or prize, pressure, and payment.We also explore the growing sophistication of scams, from long, multi-stage attacks designed to drain victims over time, to impersonation across social media and digital channels. Most importantly, we discuss the emotional and psychological toll scams leave behind, and why prevention, education, and awareness are more critical than ever.This conversation highlights the mission behind Slam the Scam, a nationwide initiative to raise awareness and empower individuals to recognize scams before it's too late.Because by the time someone reaches the point of payment… the damage has often already begun.

Marc Cox opens a stormy April 1st show with speculation about a national address from Donald Trump potentially focused on escalating tensions with Iran and frustration with NATO allies before shifting to local politics, where Cox highlights harassment of conservative candidates including Lauren Greenwood tied to the Francis Howell School District and urges support for property tax freezes across Missouri counties. During "Kim on a Whim," Kim St. Onge introduces comedian Jimmy Carr's proposal to tax only ages 30–60, sparking a broader discussion about workforce participation and the looming insolvency of Social Security Administration. The hour concludes with Cox advocating for private retirement investment accounts, debating retirement age increases, and warning that without reform, Social Security could face a financial collapse that threatens future retirees. Hashtags: #MarcCox #DonaldTrump #Iran #NATO #MissouriPolitics #PropertyTaxes #FrancisHowell #KimOnAWhim #JimmyCarr #SocialSecurity #RetirementCrisis #TaxDebate

During "Kim on a Whim," Kim St. Onge reacts to a provocative tax proposal from British comedian Jimmy Carr suggesting people only pay taxes between ages 30 and 60, sparking a broader debate with Marc Cox about taxation, workforce participation, and the long-term viability of Social Security Administration benefits. The discussion shifts to concerns about declining birth rates, fewer workers paying into the system, and projections that Social Security could become insolvent within the next decade without major reforms. Cox argues changes like raising retirement ages, means testing, and limiting early withdrawals may be unavoidable, while St. Onge pushes back on working longer and questions fairness for future retirees, ultimately framing the conversation around political reluctance to address what both agree is an unsustainable entitlement system. Hashtags: #KimOnAWhim #MarcCox #JimmyCarr #SocialSecurity #Taxes #Retirement #EntitlementReform #EconomicPolicy #USPolitics #Workforce #TaxDebate

In this episode, I'm sitting down with Frank Bisignano, who oversees not one, but two of America's most consequential institutions: the Social Security Administration (SSA) and the Internal Revenue Service (IRS).Before stepping into government, he built a career at the very top of finance as the youngest senior vice president in American Express history at just 25, co-COO of JPMorgan Chase, and CEO of the fintech company Fiserv.Now, he's taking on a different kind of challenge: bringing, in his words, “accuracy” to massive federal agencies that impact every American.He's cleaning up records—including moving records of 12.4 million people aged 120 and over into the Social Security Administration's Death Master File—and digitizing records to streamline systems.“There wasn't really a routine to reconcile data. ... It wasn't that people who weren't alive any longer were getting paid social security. It was that there was a live social security number which could be used throughout the whole system,” Bisignano said.How is he transforming these agencies? What new benefits are there in this year's tax season?How are the newly rolled out “Trump accounts” doing? And will Social Security be able to resolve insolvency challenges in the decades ahead?Views expressed in this video are opinions of the host and the guest, and do not necessarily reflect the views of The Epoch Times.

The General Services Administration has proposed draft contract language that would define the government's relationship with AI service providers in a major federal acquisition program in the aftermath of the fallout between the Defense Department and Anthropic. The proposed language includes terms and conditions for government data use, defines what it means for AI to be unbiased, creates a requirement to use only “American AI,” and establishes a responsibility for contractors to enforce terms and conditions on the AI they deploy. Notably, it also includes language that echoes the very policy at issue in Anthropic's ongoing battle with the Pentagon that led to the company's governmentwide ban and designation as a “supply chain risk.” Under the draft, the government would be granted a “contract for any lawful Government purpose.” According to Anthropic's legal challenge, its dispute with the Defense Department hinged on a policy that the military could make “all lawful use” of the technology. That change, Anthropic says, would have eliminated the company's restrictions on use of its products for “lethal autonomous warfare” and mass-scale surveillance of Americans. A nonprofit advocacy group is suing the Social Security Administration to release records on an agreement DOGE made to share voter data with a non-government source, and other documents regarding the improper use of Americans' data. In a lawsuit filed Monday in the U.S. District Court for the District of Maryland, Democracy Forward seeks to compel the SSA to comply with Freedom of Information Act requests linked to a “voter data agreement” revealed in a January court filing. That filing from the Department of Justice, which is part of a lawsuit by several labor groups over DOGE's handling and exposure of personally identifiable information, detailed coordination between two members of Elon Musk's tech collective embedded at SSA and an advocacy group seeking “evidence of voter fraud.” The DOJ said in that filing that in March 2025, a political advocacy group asked those DOGE representatives for Social Security data to analyze state voter rolls. Per the filing, the group's “stated aim was to find evidence of voter fraud and to overturn election results in certain States.” One of those DOGE members signed a “Voter Data Agreement” in his capacity as an SSA employee and sent the document back to the group on March 24, 2025. Democracy Forward, which represents the federal unions at the center of that lawsuit, immediately filed a FOIA seeking a copy of the voter data agreement, plus all emails between the parties. 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.

We're back and we took the scenic route this week. It starts with Mike going full Baron Von Pearce at a video game meetup at Red Lake Brewery (yes, his in-game name is Baron Von Pearce, and yes, that's what gamers call each other when they meet up in person), and somehow ends with humanity staring into the infinite void of the universe wondering why a glass bottle will still be here in a million years while we absolutely will not.In between? A love letter to Red Rocks — the greatest concert venue on Earth, and it's not even close — plus personal concert confessions including Tony's first show, a Stone Temple Pilots mosh pit at a Fresno fairgrounds that went sideways, and a OneRepublic performance so good that every concert after it felt like a disappointment. We also get into the surprisingly interesting history of podcasting (spoiler: Apple kind of put it on the map), a deep dive into the top 20 American male names courtesy of the Social Security Administration, and a science segment that covers a prehistoric 40-foot crocodile that ate dinosaurs, the existential scale of the universe, AND how long it takes a banana peel to decompose. (Faster than you think. The glass bottle? Not so much.)Oh, and the two types of chimpanzees: the angel and devil that share humanity's evolution. We get into that too. Because of course we do.This episode has everything. Except a point. And that's the point. Cheers!m&t#MikeAndTonyShow #Podcast #RedRocks #Colorado #ColoradoPodcast #ConcertStories #LiveMusic #RedRocksAmphitheatre #GamingCommunity #ScienceTrivia #Sarcosuchus #PodcastHistory #FunFacts #ComedyPodcast #TalkPodcast #DeepDive #LocalColorado #ConversationalPodcast #ChimpanzeeFacts #WeirdFacts

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.

This Day in Legal History: NAACP v. AlabamaOn March 17, 1958, the Supreme Court of the United States issued a landmark decision in NAACP v. Alabama, a case that reshaped constitutional protections for civil rights organizations. The dispute arose when the state of Alabama sought to compel the NAACP to disclose its membership lists as part of a legal proceeding. At the time, the NAACP was deeply involved in challenging segregation laws across the South, making its members vulnerable to retaliation and harassment. Alabama argued that it had the authority to demand these records under its corporate registration laws. The NAACP refused, asserting that disclosure would violate its members' constitutional rights.The case eventually reached the Supreme Court, where the central question became whether forced disclosure infringed on the freedom of association. Writing for a unanimous Court, Justice John Marshall Harlan II emphasized that privacy in group membership was essential to preserving lawful association. The Court held that Alabama's demand posed a substantial restraint on the ability of individuals to organize and advocate collectively. It recognized that exposure of members' identities could lead to economic reprisal, loss of employment, and even physical danger.Importantly, the Court grounded its reasoning in the Due Process Clause of the Fourteenth Amendment, incorporating First Amendment protections against state action. This marked a significant step in expanding constitutional safeguards for civil liberties at the state level. The ruling made clear that states could not use indirect means to suppress lawful advocacy groups. It also strengthened the legal foundation for future civil rights litigation during a critical period in American history.The decision in NAACP v. Alabama remains a cornerstone of First Amendment jurisprudence. It continues to influence cases involving anonymity, privacy, and the right to organize without undue government interference.A federal judge in Massachusetts has blocked the federal government's revised childhood vaccine schedule and paused related policy actions, finding the changes likely unlawful. The court concluded that the Department of Health and Human Services departed from longstanding, science-based procedures when issuing the new recommendations. Central to the ruling was the government's apparent sidestepping of the Advisory Committee on Immunization Practices (ACIP), a key expert body that has historically guided vaccine policy.The judge rejected the argument that the health secretary has near-total discretion over vaccine decisions, emphasizing that such authority is still constrained by statutory and procedural requirements. He underscored that courts can review agency actions, particularly when they appear to ignore scientific standards or established processes. The opinion was especially critical of the administration's position that its vaccine guidance was not subject to judicial review, noting that the recommendations carry real legal and practical consequences.The revised schedule itself had scaled back universal recommendations for several vaccines, instead limiting them to certain groups or requiring consultation with a doctor. The court found that these changes could significantly affect liability protections for healthcare providers and insurance coverage obligations.The ruling also raised concerns about potential violations of the Federal Advisory Committee Act after the abrupt dismissal and replacement of ACIP members, many of whom reportedly lacked relevant expertise. While the court did not cancel upcoming committee meetings, it halted the appointments of new members and froze future decisions tied to the disputed process.The decision represents a significant check on the administration's approach to public health policymaking, reinforcing that agencies must follow established legal frameworks and rely on qualified expertise. An appeal is expected, and related litigation is already pending in other courts.HHS' Childhood Vaccine Policy Changes Put On Ice - Law360US judge upends Kennedy's overhaul of childhood vaccine policies | ReutersA federal judge in Washington, D.C., is set to hear arguments over whether to halt construction of a $400 million ballroom project at the White House. The dispute centers on a lawsuit brought by preservationists, who argue that the project—built on the site of the demolished East Wing—was launched without proper legal authorization. They are seeking a preliminary injunction to stop construction while the case proceeds.The National Trust for Historic Preservation claims that neither the president nor the National Park Service has the authority to approve such a major structural change without explicit approval from Congress. The group argues that past practice shows Congress typically authorizes significant developments on federal land in Washington.The Trump administration, however, maintains that the project is lawful and does not require specific congressional approval. Government lawyers argue that the ballroom will improve infrastructure, enhance security, and help preserve the main White House building by shifting large events elsewhere. They also contend that the plaintiffs have not met the high legal standard required for an injunction.A federal judge previously denied an earlier request to stop construction, finding the initial legal arguments insufficient. The new hearing will consider revised claims focused more directly on presidential authority and statutory limits.At this stage, the case turns on whether the plaintiffs can show both a likelihood of success on the merits and that immediate harm justifies blocking the project before a final decision is reached.US judge to weigh new bid to halt Trump's $400 million ballroom project | ReutersYou may have heard about the SAVE America Act, and given the attention it's received, it's helpful to clearly lay out what the bill actually does.The SAVE America Act would make significant changes to federal voter registration and election procedures, primarily by requiring proof of U.S. citizenship. The bill amends the National Voter Registration Act to require applicants to present documentary evidence—such as a passport, birth certificate, or certain government-issued identification—before registering to vote in federal elections. It also requires that this proof generally be provided in person, even when registering by mail, though states may create alternative processes for applicants who cannot readily produce documentation.The legislation directs states to verify citizenship status during voter registration and to establish systems for identifying and removing non-citizens from voter rolls. It encourages the use of federal and state databases, including systems maintained by the Department of Homeland Security and the Social Security Administration, to confirm eligibility. Federal agencies are required to respond quickly to state requests for citizenship verification and to share relevant data across agencies.The bill further mandates that voters present a qualifying photo ID when casting a ballot in federal elections. For in-person voting, the ID must be shown at the polling place, while absentee voters must submit copies of identification with their ballots. Acceptable IDs must generally include both a photograph and an indication of U.S. citizenship, though supplemental documentation may be used in some cases.The bill would effectively bring all the convenience and ease of a trip to the DMV to the ballot box.In addition, the legislation expands enforcement mechanisms. It creates potential criminal liability for election officials who knowingly register individuals without proof of citizenship and allows private lawsuits against officials who fail to enforce the requirements. It also requires states to take ongoing steps to ensure that only eligible citizens remain registered, including removing individuals identified as non-citizens.The bill includes provisions addressing discrepancies in documentation and requires election officials to document the basis for registering individuals who lack standard proof. It also preserves the use of provisional ballots, allowing individuals to vote while their eligibility is later verified. Overall, the measure shifts the federal framework toward stricter documentation, verification, and enforcement standards tied to voter eligibility in federal elections.What is in Trump's bill that requires proof of citizenship to vote? | ReutersText - H.R.7296 - 119th Congress (2025-2026): SAVE America ActThis week, my Bloomberg Tax column examines California's recent crackdown on luxury vehicles registered in Montana to avoid sales tax. The enforcement actions reveal a deeper flaw in California's system: it relies heavily on formal delivery paperwork rather than the actual use of the vehicle. Buyers have been able to exploit this by creating the appearance of out-of-state delivery through inexpensive documentation, even when the cars never leave California. Prosecutors allege that some schemes were remarkably simple, involving little more than fabricated shipping records.The current rule allows residents to avoid sales tax if a vehicle is delivered and kept out of state for 12 months, a policy originally designed for legitimate interstate purchases. However, it has unintentionally created a market for services that help buyers simulate compliance. Entity formation companies, transporters, and storage providers all play a role in generating paperwork that masks in-state use. This has made tax avoidance both accessible and predictable.California has responded with audits, criminal prosecutions, and surveillance tools like license plate readers, but these efforts address symptoms rather than the underlying design problem. A system built on easily manipulated documentation invites abuse. Instead, the column argues that California should adopt a “primary-use” rule, taxing vehicles based on where they are actually driven and stored.Other states already apply similar approaches to aircraft, using objective data like flight logs to determine tax liability. A comparable framework for cars could rely on existing data sources such as toll records, insurance information, and registration patterns. This would allow enforcement to focus on real-world usage rather than paper compliance.Clear thresholds and penalties could further deter avoidance by making enforcement more predictable. While some buyers might still structure legitimate out-of-state ownership, the system would no longer reward purely formalistic schemes. The broader point is that tax policy should reflect economic reality, not paperwork.California's Car Sales Tax Crackdown Calls for Primary-Use Rule This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.minimumcomp.com/subscribe

In this week's show we start with FOLLOW UP: The world keeps trying to protect kids online — Indonesia just joined Australia, Spain, and Malaysia in banning social media for under-16s, while COPPA 2.0 sailed through the US Senate unanimously. Meanwhile, Roblox is using AI to clean up its chat, because apparently "Hurry TF up" is the hill they've chosen to die on — even as they're still dealing with the whole "pedophile problem" thing from January. On the AI copyright front, Gracenote is the latest company to sue OpenAI for helping itself to proprietary data, joining a growing queue of plaintiffs who apparently didn't get the memo that everything is training data now.IN THE NEWS: Anthropic is suing the Pentagon after being labeled a "supply chain risk" — apparently because the CEO said AI shouldn't be used for mass surveillance or autonomous weapons, which the Trump administration heard as fighting words. The delicious irony: the Pentagon is still running Claude in active operations while trying to phase it out. Speaking of active operations, investigators now think a missile strike on an Iranian girls' school may have been triggered by bad AI-generated intelligence from that same Claude-based system. So yes, the autocomplete that hallucinates your grocery list is also maybe accidentally bombing schools. Meta's Oversight Board is begging the company to get serious about AI-generated content after a fake war video from a Filipino fake news account racked up 700K views — while separately, Zuckerberg dropped cash on Moltbook, a "social network for AI agents" that turned out to be mostly humans larping as bots and had a security flaw that exposed everyone's API keys. The guy who built it basically vibe-coded the whole thing. Meta's own CTO said he didn't "find it particularly interesting." And yet. Oracle is hemorrhaging jobs and drowning in debt chasing AI dreams, its stock down 50% from peak — a timely reminder that "AI will replace workers" is currently manifesting as "companies set money on fire and lay people off to pay the electric bill." Researchers confirmed AI is homogenizing human thought and creativity — a thing some of us have been screaming since day one. A DOGE engineer allegedly walked out of the Social Security Administration with databases containing personal info on 500 million Americans on a thumb drive. The Ig Nobel Prize is relocating to Switzerland because it's no longer safe to invite international guests to America. Nintendo is suing the US government to get its tariff money back. SETI thinks it may have been accidentally filtering out alien signals due to space weather. And Pokémon Go players unknowingly spent a decade building a centimeter-accurate surveillance map of Earth's cities that's now guiding pizza delivery robots — which, honestly, tracks.In APPS & DOODADS: The GOG clan in Clash Royale just hit eight years old — respect. OpenAudible is the cross-platform audiobook manager your Audible library deserves, especially if you've got over a thousand books sitting there judging you.And finally in MEDIA CANDY: Monarch: Legacy of Monsters Season 2 is here, and pretty beige. Live Nation settled its DOJ antitrust case for $200 million, kept Ticketmaster, and avoided a breakup — meanwhile court documents revealed employees joking about "robbing fans blind" and gouging "stupid" customers, which explains basically every concert ticket you've bought in the last decade. YouTube is now officially the world's largest media company at $62 billion in revenue. Bluesky's CEO is stepping down, which is either a bad sign or just the natural order of "person who built the cool thing hands it to the person who scales the cool thing." Dead Set — Charlie Brooker's 2008 zombie-in-the-Big-Brother-house miniseries — is worth a watch if you haven't. And trailers dropped for Daredevil: Born Again Season 2 (March 24th), The Boys final season (April 8th), and The Super Mario Galaxy Movie (April 1st — yes, really).Sponsors:DeleteMe - Get 20% off your DeleteMe plan when you go to JoinDeleteMe.com/GOG and use promo code GOG at checkout.CleanMyMac - Get Tidy Today! Try 7 days free and use code OLDGEEKS for 20% off at clnmy.com/OLDGEEKSPrivate Internet Access - Go to GOG.Show/vpn and sign up today. For a limited time only, you can get OUR favorite VPN for as little as $2.03 a month.SetApp - With a single monthly subscription you get 240+ apps for your Mac. Go to SetApp and get started today!!!1Password - Get a great deal on the only password manager recommended by Grumpy Old Geeks! gog.show/1passwordShow notes at https://gog.show/737Watch on YouTube: https://youtu.be/DgSYnFF6twEFOLLOW UPIndonesia announces a social media ban for anyone under 16Anthropic Sues PentagonMetadata company Gracenote is the latest to sue OpenAI for copyright infringementRoblox introduces real-time AI-powered chat rephraser for inappropriate languageIN THE NEWSCOPPA 2.0 passes the Senate again, unanimously this timeAI Error Likely Led to Iran Girl's School BombingThe Oversight Board says Meta needs new rules for AI-generated contentMark Zuckerberg Decides Meta Needs More Slop, Buys the Social Network for AI AgentsOracle Axing Huge Number of Jobs as AI Crisis IntensifiesYou can (sort of) block Grok from editing your uploaded photosResearchers Say AI Is Homogenizing Human Expression and ThoughtSocial Security watchdog investigating claims that DOGE engineer copied its databasesNintendo is suing the US government over Trump's tariffsSETI Thinks It Might Have Missed a Few Alien Calls. Here's WhyIg Nobel Ceremony Relocates to Europe Amid Safety Concerns in Trump's AmericaAPPS & DOODADSClash RoyaleOpenAudibleBluesky's CEO is stepping down after nearly 5 yearsHow Pokémon Go is giving delivery robots an inch-perfect view of the worldRobot Escorted Away By Cops After Terrorizing Old WomanMEDIA CANDYMonarch: Legacy of Monsters Season 2Live Nation settlement avoids breakup with TicketmasterCourt documents reveal Live Nation employees joking about robbing, gouging "stupid" fansYouTube Is the World's Largest Media Company, MoffettNathanson SaysParadise Season 2DAREDEVIL: Born Again Season 2 Official Teaser Trailer 2 (2026)The Boys Final Season TrailerThe Super Mario Galaxy Movie | Final TrailerDead SetSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3486: Kathleen Coxwell explains that a secure retirement isn't just about how much you've saved, it's about building a flexible plan that evolves with your life. By defining your purpose, modeling different financial scenarios, and making strategic adjustments, you can turn uncertainty into a workable path forward. Her approach shows that even if you feel behind, there are practical ways to design a retirement that works for you. Read along with the original article(s) here: https://www.newretirement.com/retirement/how-to-retire-5-steps-to-a-secure-future-jump-in/ Quotes to ponder: "Maybe think about your retirement in five-year segments. Consider what you want to be doing and what will be important to you in each segment." "The cure for retirement block is the same as writer's block. Just jot some things down." "Anyone can retire at any level of income and savings: it is just a matter of spending less and making do." Episode references: Social Security Administration: https://www.ssa.gov/ Learn more about your ad choices. Visit megaphone.fm/adchoices

On this episode of Gen X Amplified, I am joined by globally recognized economist, author, and thought leader on aging and public policy, Debra Whitman. Debra serves as the Executive Vice President and Chief Public Policy Officer at AARP, where she leads the organization's research, policy analysis, and global advocacy on issues shaping the future of aging. She is also the author of the powerful and timely new book "The Second Fifty: Answers to the 7 Big Questions of Midlife and Beyond." In this episode, Debra and I discuss: Debra's remarkable professional journey — from growing up in eastern Washington state to shaping national aging policy on Capitol Hill and leading AARP's world-class research and advocacy enterprise The personal inflection point, including a frightening health scare involving her husband, that inspired her to write The Second Fifty The 7 big questions of midlife and beyond that serve as the foundation of the book — from "How long will I live?" to "How will I die?" The Yale research behind why people with a positive view of aging live 7.5 years longer, and what Gen Xers can do right now to shift their mindset The real cost of internalized ageism and how our own language may be limiting our potential Why purpose is one of the most powerful drivers of healthy longevity — and how to find it no matter where you are in your career The stark disparities in how Americans age — and why telling the whole story of aging matters Why Gen Xers need AARP just as much — if not more — than the generations before us And more!   Debra's Personal Theme Songs "Closer to Fine" by Indigo Girls "Get Up, Stand Up" by Bob Marley "Rise Up" by Andra Day   About Debra Whitman Debra Whitman is one of the nation's foremost voices on aging, longevity, and public policy, and a tireless champion for the millions of Americans navigating the second half of life. As Executive Vice President and Chief Public Policy Officer at AARP, Debra leads the organization's Public Policy Institute, a preeminent think tank, along with its global thought leadership team, brain health research division, and Office of Policy Development. Before joining AARP, Debra built a distinguished career shaping aging policy at the highest levels of government. She served as Staff Director for the U.S. Senate Special Committee on Aging, where she helped craft landmark legislation impacting millions of Americans. She also held research positions at the Social Security Administration and the Congressional Research Service, and received a fellowship that placed her on the healthcare staff of Senator Ted Kennedy. Debra holds a PhD in economics from Syracuse University, where she specialized in public policy and aging, with support from the National Institute on Aging. Her new book, The Second Fifty: Answers to the 7 Big Questions of Midlife and Beyond, brings together decades of research, expert interviews, and deeply personal storytelling to help readers navigate longevity, health, purpose, finances, and legacy with clarity and confidence. Debra is a true change maker, one whose work is not only reshaping how we think about aging, but actively making it easier for all of us to age well in America. Thank you for listening! Thank you so very much for listening to the podcast. There are so many other shows out there, so the fact that you took the time to listen in really means a lot!

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3486: Kathleen Coxwell explains that a secure retirement isn't just about how much you've saved, it's about building a flexible plan that evolves with your life. By defining your purpose, modeling different financial scenarios, and making strategic adjustments, you can turn uncertainty into a workable path forward. Her approach shows that even if you feel behind, there are practical ways to design a retirement that works for you. Read along with the original article(s) here: https://www.newretirement.com/retirement/how-to-retire-5-steps-to-a-secure-future-jump-in/ Quotes to ponder: "Maybe think about your retirement in five-year segments. Consider what you want to be doing and what will be important to you in each segment." "The cure for retirement block is the same as writer's block. Just jot some things down." "Anyone can retire at any level of income and savings: it is just a matter of spending less and making do." Episode references: Social Security Administration: https://www.ssa.gov/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Russell Kaplan, co-founder of Cognition — the company behind Devin — and previously at Scale AI and Tesla, joins the podcast to discuss what “software abundance” could mean for government. Our conversation covers… Why government software is so broken — Despite spending over $100B annually on IT, critical systems at agencies like the Social Security Administration and U.S. Department of the Treasury still run on decades-old code that few engineers know how to modify. How two-year software projects become three-week ones — why AI agents are particularly good at the painful migration and modernization work engineers tend to avoid. What “software abundance” actually means — AI agents can handle the tedious work of switching systems 24/7, collapsing the switching costs, and forcing software vendors to compete on value rather than locking customers into outdated systems. AI for cybersecurity — From triaging massive vulnerability backlogs to automatically fixing CVEs, AI will be essential for defending critical infrastructure as attackers gain the same tools. The coming “post-coding” world — As models converge in capability, the key bottleneck shifts from writing code to understanding problems, reviewing systems, and deciding what should be built in the first place. Plus, the future of procurement in an AI world, fraud detection in government datasets, the DMV as a software problem, and why Kaplan thinks the real skill of the future is knowing which problems matter. Thanks so much to Cognition for sponsoring this episode. Learn more about your ad choices. Visit megaphone.fm/adchoices

"The most powerful person in the world is the storyteller. The storyteller sets the vision, values, and agenda of an entire generation that is to come." – Steve Jobs Check Out These Highlights:  I love this quote because I believe that when we tell a story well, one that is relevant to our clients, we create emotional responses that allow the client to FEEL our solution and visualize using it in their life and business.  In this episode, just like Steve Jobs' quote, you will discover how strategic storytelling helps sales teams build trust, clarify value, and influence buying decisions—turning conversations into conversions. About Robert Kennedy III: Robert wants to live in a world where people are no longer afraid to tell their stories with confidence.  His work as a keynote speaker and trainer in the area of leadership communication has led him to work with organizations such as the US Coast Guard, Barnes & Noble, Social Security Administration, Panda Restaurant Group, AARP, T-Mobile, and UNCF, as well as appearances on Fox, CW, and other networks. Additionally, he is involved in his community through various boards and is a member of the National Speakers Association. How to Get in Touch with Robert Kennedy III: Websites:  http://www.robertkennedy3.me Email: rk3@robertkennedy3.com Virtual Event: http://www.storyvaultremix.com Stalk me online! Linktr.ee: https://linktr.ee/conniewhitman   Subscribe to the Enlightenment of Change podcast on your favorite podcast streaming service or YouTube.  New episodes are posted every week. Listen to Connie explore new sales and business topics or address problems you may have. 

Russell Kaplan, co-founder of Cognition — the company behind Devin — and previously at Scale AI and Tesla, joins the podcast to discuss what “software abundance” could mean for government. Our conversation covers… Why government software is so broken — Despite spending over $100B annually on IT, critical systems at agencies like the Social Security Administration and U.S. Department of the Treasury still run on decades-old code that few engineers know how to modify. How two-year software projects become three-week ones — why AI agents are particularly good at the painful migration and modernization work engineers tend to avoid. What “software abundance” actually means — AI agents can handle the tedious work of switching systems 24/7, collapsing the switching costs, and forcing software vendors to compete on value rather than locking customers into outdated systems. AI for cybersecurity — From triaging massive vulnerability backlogs to automatically fixing CVEs, AI will be essential for defending critical infrastructure as attackers gain the same tools. The coming “post-coding” world — As models converge in capability, the key bottleneck shifts from writing code to understanding problems, reviewing systems, and deciding what should be built in the first place. Plus, the future of procurement in an AI world, fraud detection in government datasets, the DMV as a software problem, and why Kaplan thinks the real skill of the future is knowing which problems matter. Thanks so much to Cognition for sponsoring this episode. Learn more about your ad choices. Visit megaphone.fm/adchoices

Tuesday, December 30th, 2025Today, Border Czar and $50K dollar Cava bag bribe recipient Tom Homan didn't receive a normal background check; the retired policeman that was jailed in Tennessee for posting a Trump meme on facebook is suing; a newly unsealed order in the Abrego case includes emails proving Todd Blanche's office had a hand in charging him; Jeanine Pirro indicted alleged pipe bomber Brian Cole last night using a local grand jury in superior court; the Social Security Administration is facing record backlogs under Trump; more artists are cancelling their Kennedy Center performances since Trump added his name to the building; and Allison and Dana deliver your Good News. Guest: Jordan WoodDemocrat Running for Congress to represent Maine's 2nd DistrictJordan Wood for Mainehttps://bsky.app/profile/jordanwood.bsky.socialhttps://www.instagram.com/jordanwoodmaine/https://www.facebook.com/jordanwoodmainehttps://substack.com/@jordanwoodmaineFBI Sources BLOW WHISTLE on Trump LIES about THE FILES - YouTubeStories:Border czar Tom Homan didn't receive normal background check during bribery probe | MS NOWHow Social Security has gotten worse under Trump | The Washington PostA retired policeman was jailed over an anti-Trump meme. Now he's suing. | The Washington PostMore musicians cancel Kennedy Center concerts after Trump's name added to building | NBC News Good TroubleYou all are amazing! Pathways to Citizenship link to MATCH Allison's Donationhttps://crm.bloomerang.co/HostedDonation?ApiKey=pub_86ff5236-dd26-11ec-b5ee-066e3d38bc77&WidgetId=6388736Allison is donating $20K to It Gets Better and inviting you to help match her donations. Your support makes this work possible, Daily Beans fam.Donate to It Gets Better / The Daily Beans FundraiserJoin Dana and The Daily Beans and support on Giving Tuesday with a MATCHED Donationhttp://onecau.se/_ekes71From The Good Newshttps://www.biminisharklab.comThe Martin Sheen PodcastPatrons Sponsoring Patrons - The Daily Beans→Go To DailyBeansPod.com Click on ‘Good News and Good Trouble' to Share YoursSubscribe to the MSW YouTube Channel - MSW Media - YouTubeOur Donation Links|Pathways to Citizenship link to MATCH Allison's Donationhttps://crm.bloomerang.co/HostedDonation?ApiKey=pub_86ff5236-dd26-11ec-b5ee-066e3d38bc77&WidgetId=6388736Allison is donating $20K to It Gets Better and inviting you to help match her donations. Your support makes this work possible, Daily Beans fam.Donate to It Gets Better / The Daily Beans FundraiserJoin Dana and The Daily Beans and support on Giving Tuesday with a MATCHED Donationhttp://onecau.se/_ekes71More Donation LinksNational Security Counselors - Donate