Podcasts about social security

Ralph welcomes Michael Mann, Professor in the “Department of Earth and Environmental Science” at the University of Pennsylvania and author along with Dr. Peter Hotez of “Science Under Siege: How to Fight the Five Most Powerful Forces that Threaten Our World.” Then we are joined by Martin O'Malley, former governor of Maryland and one time Commissioner of the Social Security Administration to refute all the lies being told about the state of Social Security.Dr. Michael E. Mann is Presidential Distinguished Professor in the “Department of Earth and Environmental Science” at the University of Pennsylvania. He is a co-founder of the award-winning science website RealClimate.org, and the author of more than 200 peer-reviewed and edited publications, numerous op-eds and commentaries, and seven books, including “Science Under Siege: How to Fight the Five Most Powerful Forces that Threaten Our World” (co-authored with Dr. Peter Hotez).It's the five actors that we talk about, the five forces that threaten our world: the Plutocrats, the Petro States, the Polluters, the Propagandists, and yes, the Press, not all media outlets, but many of them, including even what we used to think of as legacy. Objective news outlets like the New York Times and the Washington Post too often engage in what we call performative neutrality, where anti-science positions are placed on an equal footing with the overwhelming consensus of the world's scientists.Dr. Michael MannPeople like to finger point at China, which currently is the largest emitter (of greenhouse gases) because they industrialized much later than the United States, more than a century later. But their trajectory is actually a downward trajectory. They've contributed far less carbon pollution to the atmosphere than we have, and they're taking greater action.Dr. Michael MannThe United States doesn't get to determine the future course of human civilization at this point. It's going to be the rest of the world. All the United States gets to determine is whether it's going to be on the front line of the clean energy transition, the great economic development of this century, whether they're going to be on board or left behind.Dr. Michael MannMartin O'Malley served as Commissioner of the Social Security Administration from December 20, 2023 to November 29, 2024. He previously served as Governor of Maryland from 2007 to 2015, following two terms as Mayor of the City of Baltimore.Once they (the Trump Administration) got rid of the heads of all of the offices of Inspectors General, they started launching these big lies, like the lie that there are 12 million dead people that continue to receive checks. And as Trump said himself to Congress, some of them are as much as 300 years old, which would have had them here for the founding of Jamestown.Martin O'MalleyThey (Republicans) are trying to wreck it (Social Security), wreck its reputation, wreck its customer service, so then they can rob it.Martin O'MalleyNews 10/3/25* Our top story this week is President Trump's chilling speech to the military high command, in which he proclaimed that “America is under invasion from within,” per PBS. Trump went on to say that he plans to use American cities – citing Chicago, San Francisco, and Portland – as “training grounds for our military.” Warning against conscientious objections by the military to this weaponization against domestic opponents, Trump added “I'm going to be meeting with generals and with admirals and with leaders. And if I don't like somebody, I'm going to fire them right on this spot.” Secretary of Defense Pete Hegseth, who has recently styled himself Secretary of War, reiterated this message, saying “if the words I'm speaking today are making your heart sink, then you should do the honorable thing and resign.” In terms of actual policy, a new draft National Defense Strategy calls for prioritizing defense of the “homeland,” over potential foreign threats, such as from China, per POLITICO. The administration followed up this declaration with a dystopian deployment in Chicago, where federal agents rappelled down from helicopters to raid a South Side apartment building, arresting Venezuelan migrants and Black American citizens alike. In a statement given to ABC7 Chicago, one man detained by feds stated “They had the Black people in one van, and the immigrants in another.” Illinois Governor J.B. Pritzker decried the presence of “jackbooted thugs roaming around a peaceful downtown,” and demanded federal troops “Get out of Chicago...You are not helping us,” per the New York Times.* Speaking of conflicts abroad, this week Trump unveiled his proposal for a peace deal in Gaza. According to CNN, “The plan calls for Israel to release 250 Palestinian prisoners with life sentences, as well as 1,700 Palestinians detained since the start of the war, in exchange for Hamas freeing 48 hostages.” Once these exchanges have been completed, Israel is to gradually withdraw from Gaza and turn over administration of the enclave to a “Board of Peace,” which will include Trump himself along with former British Prime Minister Tony Blair, in a bizarre historical echo of the British mandatory rule over Palestine. If this process proceeds, it will supposedly create “a path for a just peace on the basis of a two-state solution.” The odds of success however are slim.* In more Gaza news, the Global Sumud Flotilla has been intercepted off the coast of Gaza and Israel has detained the activists on board. Video evidence shows the IDF detaining activist Greta Thunberg specifically. According to Congresswoman Rashida Tlaib, “The Israeli government has illegally abducted over 450 participants of the Global Sumud Flotilla, including nearly two dozen U.S. citizens…We must demand their immediate release and their protection from abuse and torture in Israeli detention. End the siege and genocide of Gaza now.” According to the Flotilla organizers, one of the ships – the Mikeno – got as close as 9.3 miles from the coast, within Gaza's territorial waters, before they lost its signal. While disappointing, given that this is the largest aid flotilla to Gaza in history and came so close to the shore, it seems that at least the flotilla gave fishermen in Gaza the opportunity to go out on the water without interference from the Israeli navy – a crack in the all-encompassing blockade.* Meanwhile, Fox News reports that Israeli intelligence hijacked all cellphones in Gaza in order to forcibly broadcast Prime Minister Netanyahu's United Nations General Assembly speech last week, in which he accused the leaders of western nations who recently recognized the state of Palestine – France, Australia, and the U.K. among others – of being “Leaders who appease evil rather than support a nation whose brave soldiers guard you from the barbarians at the gate,” adding, “They're already penetrating your gates. When will you learn?” Netanyahu's speech was also blasted into Gaza via loudspeakers on the Israeli side of the border. The families of the hostages still held in Gaza released a statement decrying this provocative action, writing “We know from our children…that the loudspeakers were placed inside Gaza. This action endangers their lives, all for the sake of a so-called public diplomacy campaign to preserve [Netanyahu's] rule…He is doing PR at the expense of our children's lives and security. Today we lost the last shred of trust we had in the political echelon and in the army leaders who approved this scandalous operation.”* In Latin America, Trump is planning to bailout Argentina, which has suffered tremendous economic shocks under the stewardship of radical Libertarian President Javier Milei. According to Newsweek, Treasury Secretary Scott Bessent has offered Argentina a, “$20 billion swap line and other forms of assistance to help stabilize the Argentine peso, and said the U.S. remained ‘prepared to do what is necessary' to sustain the ‘important strides' taken by Milei.” This kind of ideologically driven foreign assistance flies in the face of Trump's supposed “America First” policies, but beyond that it has infuriated domestic interests, especially in the agricultural sector. American Soybean Association President Caleb Ragland posted a statement reading, “The frustration is overwhelming…U.S. soybean prices are falling, harvest is underway, and farmers read headlines not about securing a trade agreement with China, but that the U.S. is extending…economic support to Argentina.” This is a particular twist of the knife because following Trump's offer, Argentina lowered export restrictions and sent “20 shiploads of Argentine soybeans to China in just two days.” Republicans representing agricultural interests share this fury. Iowa Senator Chuck Grassley wrote “Why would [America] help bail out Argentina while they take American soybean producers' biggest market???...We should use leverage at every turn to help [the] hurting farm economy. Family farmers should be top of mind in negotiations by representatives of [the] USA.” North Dakota Representative Julie Fedorchak added “This is a bitter pill for North Dakota soybean farmers to swallow.”* Moving on from foreign affairs, this week saw the release of a new batch of Epstein files, demanded by Democrats on the House Oversight Committee and turned over by the Jeffrey Epstein Estate. These files include “phone message logs, copies of flight logs and manifests for aircraft,” along with “copies of financial ledgers and Epstein's daily schedule.” These new releases implicate many big names, including Elon Musk, Peter Thiel, Steve Bannon, and well-documented Epstein associate, Prince Andrew of the British royal family, per the BBC. The release of these files is the latest victory in the campaign to expose everyone involved with Epstein's underage sex ring, a campaign Republicans in government – led by President Trump – have resisted. According to the Hill, Speaker Mike Johnson is refusing to allow the swearing-in of Adelita Grijalva, who was elected last week in a special election to fill the seat vacated by her father's death. In this move, many see an attempt by Speaker Johnson to stave off the discharge petition to release the Epstein files. Grijalva has already committed to signing the petition.* In the wake of the Charlie Kirk assassination, Republicans have hammered the left for what they see as violent rhetoric, with the White House going so far as to classify certain ideas – among them anti-fascism, anti-capitalism and “extremism on migration, race, and gender” – as potentially punishable under domestic terrorism laws. Meanwhile, however, the Arizona Mirror reports a Republican lawmaker in the state has called for the Washington Democratic Congresswoman Pramila Jayapal to be “tried convicted and hanged.” The lawmaker, state Representative John Gillette, was responding to a video in which Jayapal counseled protestors on “non-violent resistance” to Trump's policies. Gillette on the other hand has vocally supported the January 6th insurrectionaries, labeling them “political prisoners” and calling for their release. Asked for comment, Gillette said “The comment is what it is.” For her part, Congresswoman Jayapal has called for “All political leaders, of all parties, [to] denounce” these comments.* Turning to local news, incumbent New York City Mayor Eric Adams has dropped his bid for reelection, Reuters reports. Adams has been mired in scandal of all kinds, including a federal indictment for bribery. Speculation abounds as to why he chose to suspend his campaign now. It is too late to take his name off of the ballot and he declined to endorse any other candidate, making it unlikely that he did so to bolster the chances of disgraced former Governor Andrew Cuomo, who is still continuing his independent bid for the mayoralty despite lagging behind Democratic nominee Zohran Mamdani by a substantial margin. On the other hand, Adams has previously been offered incentives by President Trump to drop out of the race, including potential protection from prosecution and an ambassadorial post in Saudi Arabia. Curtis Sliwa, the Republican nominee, claims “Seven different people,” have offered him a “total of $10 million,” to withdraw from the race, but he adamantly refuses to do so, saying “you can't bribe me, buy me, lease me, I'm not for sale.” This from the New York Post.* Next, on September 25th, Black liberation activist Assata Shakur passed away at the age of 78, per Democracy Now!. Shakur had been convicted of killing a New Jersey state trooper in 1973, though serious doubts remain about her role in the death. She escaped from prison in 1979 and fled to Cuba, where she received asylum in 1984 and continued to maintain her innocence until her death. In 1998, Pope John Paul II visited Cuba and faced calls to demand Assata's extradition to the United States to “face justice” for the murder. In a highly-publicized letter, Assata wrote “The New Jersey State Police and other law enforcement officials say they want to see me brought to ‘justice.' But I would like to know what they mean by ‘justice.' Is torture justice?... When my people receive justice, I am sure that I will receive it, too.” Rest in power, Assata.* Our final story comes to us from, where else, but Hollywood. Variety reports, AI production studio Particle6 has created an AI “actress” who is “named” Tilly Norwood and thereby created a firestorm within the entertainment industry. Tilly's creator, Eline Van der Velden argues that she sees, “AI not as a replacement for people, but as a new tool…Just as animation, puppetry, or CGI opened fresh possibilities without taking away from live acting…nothing – certainly not an AI character – can take away the craft or joy of human performance.” However, SAG-AFTRA – the union representing screen actors – has issued a blistering statement, writing “To be clear, ‘Tilly Norwood' is not an actor, it's a character generated by a computer program that was trained on the work of countless professional performers — without permission or compensation…It has no life experience to draw from, no emotion and, from what we've seen, audiences aren't interested in watching computer-generated content untethered from the human experience.” The statement continues, “It doesn't solve any ‘problem' — it creates the problem of using stolen performances to put actors out of work, jeopardizing performer livelihoods and devaluing human artistry.” This episode is simply the latest clash within the entertainment industry between workers and the rising tide of AI. It will not be the last.This has been Francesco DeSantis, with In Case You Haven't Heard. Get full access to Ralph Nader Radio Hour at www.ralphnaderradiohour.com/subscribe

What if the riskiest move isn't retiring too early, but waiting so long your best years pass by? This episode unpacks the real regrets of 909 retirees and the practical steps they wish they'd taken sooner. Design purpose. Spend on what matters. Do it while health and energy are on your side.Beat the “one more year” trap. Working longer can look safer on a spreadsheet, but life isn't a spreadsheet. Learn how to prototype purpose before day one, shift your identity from saver to spender without guilt, and choose a retirement location that supports daily joy and long-term care needs.Avoid the hidden tax hazards that derail cash flow. Understand RMDs, Social Security taxation/stacking, and Medicare IRMAA. Use Roth conversions and bracket smoothing to lower lifetime taxes and protect your spending plan.Put relationships ahead of returns. Money gives options. Connection gives meaning. With simple guardrails and a clear plan, you can spend earlier and more intentionally on experiences, travel, and family, instead of hoarding for a “someday” that never comes.Ready to align your retirement plan with the life you actually want to live? Listen as James gives you the framework and the nudge to start now.-Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Strategy ⬇️ Get Started Here.Join the new Root Collective HERE!

Murder for Social Security Or Humane Help? The Shocking Lorenz Kraus LIVE TV Confession! Follow the money — and sometimes you find a killer. In this Hidden Killers Live segment, we explore how what began as a Social Security fraud probe spiraled into a double homicide investigation when investigators uncovered the bodies of Franz and Theresia Kraus in their backyard. For years, their son, Lorenz Kraus, told neighbors they had moved to Germany. Meanwhile, he continued collecting their government benefits — until a welfare check by SSA triggered a police search at 6 Crestwood Court. What followed: Two bodies buried behind the house A bizarre on-camera confession at CBS6 Murder charges, and zero remorse We dig into the financial motive behind the murder, why these crimes are alarmingly common, and how digital benefit systems make it easier to hide the dead — until the paper trail gives way. If you want to understand how murder and money intertwine — and how a bureaucratic audit unraveled a seven-year deception — this is the story.

Murder for Social Security Or Humane Help? The Shocking Lorenz Kraus LIVE TV Confession! Follow the money — and sometimes you find a killer. In this Hidden Killers Live segment, we explore how what began as a Social Security fraud probe spiraled into a double homicide investigation when investigators uncovered the bodies of Franz and Theresia Kraus in their backyard. For years, their son, Lorenz Kraus, told neighbors they had moved to Germany. Meanwhile, he continued collecting their government benefits — until a welfare check by SSA triggered a police search at 6 Crestwood Court. What followed: Two bodies buried behind the house A bizarre on-camera confession at CBS6 Murder charges, and zero remorse We dig into the financial motive behind the murder, why these crimes are alarmingly common, and how digital benefit systems make it easier to hide the dead — until the paper trail gives way. If you want to understand how murder and money intertwine — and how a bureaucratic audit unraveled a seven-year deception — this is the story.

HEADLINE: US Fiscal Crisis and the Politics of Debt GUEST NAME: Veronique de Rugy SUMMARY: John Batchelor speaks with Veronique de Rugy about the federal budget impasse and America's escalating debt crisis. The government has been operating solely on borrowed money since September 21, adding $2 trillion annually to the debt. Both parties avoid addressing fundamental fiscal problems through continuing resolutions that extend previous spending levels. Republicans claim fiscal responsibility while adding to the debt, and Democrats leverage shutdown threats to expand Obamacare subsidies. De Rugy argues that only entitlement reform of Medicare, Medicaid, and Social Security can solve the crisis, along with ending private sector subsidies and reducing federal involvement in state affairs

HEADLINE: US Fiscal Crisis and the Politics of Debt GUEST NAME: Veronique de Rugy SUMMARY: John Batchelor speaks with Veronique de Rugy about the federal budget impasse and America's escalating debt crisis. The government has been operating solely on borrowed money since September 21, adding $2 trillion annually to the debt. Both parties avoid addressing fundamental fiscal problems through continuing resolutions that extend previous spending levels. Republicans claim fiscal responsibility while adding to the debt, and Democrats leverage shutdown threats to expand Obamacare subsidies. De Rugy argues that only entitlement reform of Medicare, Medicaid, and Social Security can solve the crisis, along with ending private sector subsidies and reducing federal involvement in state affairs. 1870 NEW ORLEANS

This week's questions: Should I move my money overseas if I'm worried about immigrant rights? Should I divide my dad's $100,000 (currently in a basic bank account) among savings, high-yield savings, and investments, and should I remarry my current boyfriend, knowing I would lose my ex-husband's Social Security benefits? Hosted on Acast. See acast.com/privacy for more information.

Priscila “Pri” Cosentino is the Founder and Financial Advisor at Fern Prosperity, an advisory firm dedicated to helping individuals pursue their financial goals through integrated planning strategies and personal development. With over a decade of professional experience in finance, advertising, events, and retail across Brazil and the United States, Pri brings a holistic perspective to financial planning and personal growth.Pri was mentored for more than ten years by an experienced financial advisor, during which time she developed the WISE Method™—a planning framework based on Wisdom, Insight, Strategy, and Enjoyment. This approach is designed to help clients consider how to align their financial decisions with their values and long-term vision.Pri holds a degree from the University of Central Florida (UCF) and an MBA in Neuroscience and Human Behavior from UniF. Her education combines financial planning with behavioral science, which supports her work in helping clients make informed decisions about money, life, and legacy.As an Advisor, Pri applies the W.I.S.E. Planning™ methodology when building personalized strategies that may address areas such as income planning, tax considerations, estate and legacy planning, and personal development. She works with a diverse and global clientele, offering services in English, Portuguese, German, and Spanish.Pri is also an author and speaker who shares insights on financial planning and personal development. Her professional philosophy emphasizes clarity, a client-first focus, and values-based planning.Outside of her professional work, Pri is a committed learner, traveler, and cultural enthusiast. She enjoys fitness, thoughtful conversations about business and purpose, and is the proud dog mom of Tish, Weiße, Pkna, and Traya.Learn More: https://pricosentino.com/Fern Prosperity, LLC and Pri Cosentino are not affiliated with the Social Security Administration or any government agency. This content is intended strictly for educational purposes and should not be construed as individualized investment advice. Any decisions related to Social Security, retirement, or financial planning should be made in the context of a comprehensive plan and in consultation with a qualified advisor.Investment advisory services are offered through Virtue Capital Management, LLC (VCM), a registered investment advisor. Fern Prosperity, LLC and VCM are independent entities. Investing involves risk, including the potential loss of principal. Past performance is not indicative of future results, and no investment strategy can guarantee a profit or protect against loss during periods of market decline.None of the information presented shall constitute an offer to sell or a solicitation of an offer to buy any security or insurance product. References to protection benefits or reliable income streams relate exclusively to fixed insurance products and not to securities or investment advisory services. Annuity guarantees are subject to the financial strength and claims-paying ability of the issuing insurance company. Annuities are insurance products and may be subject to fees, surrender charges, and holding periods, which vary by insurance carrier. Annuities are not FDIC-insured.Information and opinions provided by third parties have been obtained from sources believed to be reliable, but Fern Prosperity, LLC makes no representation as to their accuracy or completeness. Content is provided for informational purposes only and should not be the sole basis for any financial decision, nor should it be interpreted as advice tailored to the specific needs of an individual's situation.Third-party ratings, awards, or recognitions are not guarantees of future investment success and should not be construed as endorsements of Pri Cosentino or Fern Prosperity, LLC. They do not ensure that a client or prospective client will achieve a higher level of performance or results. Such ratings are not indicative of any one client's experience and should not be considered a testimonial.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-pri-cosentino-founder-financial-advisor-at-fern-prosperity-discussing-overcoming-retirement-fears-and-achieving-peace-of-mind

Don and Tom tackle Americans' retirement fears, highlighting a survey where one in five say it would take “a miracle” to retire securely. They stress the importance of planning over wishful thinking, cover the risks of recency bias, taxes, and underestimating longevity, and explain why flexibility—delaying Social Security, working part-time, downsizing, or even using a reverse mortgage—may be essential. Listener questions include a 30%+ ETF return (AVDV), the new rules allowing 529 rollovers to Roth IRAs, and a deep dive into Facet Wealth versus Northwestern Mutual, with a reminder about low-cost index investing and the value of fiduciary advice. 0:04 How confident Americans are about retirement security 1:37 “It would take a miracle” vs. “You need a plan” 2:37 The value of professional reviews and planning tools 3:52 No perfect time to retire, recency bias, and government as your “partner” 5:08 Retirement timing compared to parenthood decisions 6:06 The limits of Social Security and lifestyle realities 7:18 Adapting by working longer, delaying Social Security, or reducing expenses 8:25 Cutting wants, working part-time, or considering home equity solutions 9:23 Reverse mortgages and staged retirement strategies 10:03 Purpose, social life, and health in retirement 11:25 Listener question: international ETF with a 30%+ return (AVDV up 38% YTD) 13:02 Why diversification matters for capturing those “30 percenters” 13:22 Listener question: 529 rollovers to Roth IRAs and beneficiary changes 16:21 Listener case study: RN nearing retirement, Facet vs. Northwestern Mutual 18:07 Facet's flat annual fee structure compared to traditional AUM fees 20:54 The pitfalls of Northwestern Mutual's high fees and insurance roots 23:34 When to hire a fiduciary and why $1.5M+ means it's time 25:30 Advisor costs vs. DIY investing, plus an extended “haircut analogy” 27:13 Shout-out to AI-generated Talking Real Money show art Learn more about your ad choices. Visit megaphone.fm/adchoices

What does true generosity look like? Is it measured by the size of the gift, or is it something deeper?In Luke 21:1–4, Jesus praises a widow who gave only two small coins. At first glance, her offering seems insignificant compared to the wealthy donors around her. Yet, in Jesus' eyes, her gift was greater than them all. Why? Because God doesn't measure generosity by the amount—it's the heart behind it that matters.The Scene at the TemplePicture the temple courts: the wealthy making large, noticeable contributions, drawing admiration for their gifts. Then comes a poor widow. No fanfare. No applause. Just two copper coins—economically worthless. Yet Jesus declares that she has given more than anyone else.The difference? The wealthy gave from their abundance, gifts that cost them little. The widow gave out of her poverty—all she had to live on. Her gift was not just generous; it was sacrificial, risky, and rooted in trust.This theme echoes throughout Scripture. In 1 Samuel 16:7, the Lord tells Samuel, “Man looks at the outward appearance, but the Lord looks at the heart.” Paul also affirms this in 2 Corinthians 8:12: “If the willingness is there, the gift is acceptable according to what one has, not according to what one does not have.”God doesn't call us to give what we don't have. He calls us to give cheerfully, faithfully, and with hearts surrendered to Him.God Wants Your HeartThe widow's gift also points us to the gospel itself. In 2 Corinthians 8:9 we read, “Though He was rich, yet for your sake He became poor, so that you through His poverty might become rich.” Jesus gave everything for us—holding nothing back. When we give sacrificially, we reflect His love and generosity.Maybe you've felt your giving is too small to matter. But Scripture shows otherwise. In John 6, a boy offered five loaves and two fish—and Jesus fed thousands. The issue isn't what you have, but what God can do with it.Generosity in God's Kingdom isn't about status or size. It's about surrender. A gift given in faith is never small. Whether two coins or two million dollars, the real question is: Am I giving out of abundance or out of trust?The story of the widow's mite isn't meant to pressure us into giving more. Instead, it frees us to see generosity the way God does—not as an economic equation but as an act of worship. He doesn't need your money; He wants your heart.On Today's Program, Rob Answers Listener Questions:I lost money in my 401(k) when I became disabled, and now it's sitting in an IRA that isn't earning anything. Should I transfer it to a savings account, and what taxes would I be liable for? Also, since my house is paid off, I'd like to understand how reverse mortgages work.I have just sold my house and would like to know the most prudent way to invest the proceeds. I'm trying to be a good steward, but I'm not sure if a savings account, an IUL, or something else would be best.I'm on permanent federal workers' comp and wondering if I'll still be eligible to draw Social Security when the time comes.My friend hasn't filed taxes for five years. How could that affect her children if she passes away, and what steps can she take to resolve it?I was told that if I move my mortgage into a home equity line of credit and deposit my paychecks there, I could pay it off in seven years. Is that really true?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

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

Choosing the right Medicare plan isn't easy. In this episode of The Matt Feret Show, Matt talks with Bob O'Connor, a Medicare veteran who led one of the largest Medicare Advantage markets in the country. They unpack the difference between Medigap vs. Medicare Advantage, how star ratings actually affect benefits, and why prior authorization may soon appear in Original Medicare Part A and Part B.With millions of people facing coverage changes in 2026, this episode helps you avoid common mistakes and make smarter Medicare choices this fall.The Matt Feret Show is Back with Bob O'Connor [2:03]Understanding Medicare Plans – What Consumers Don't See [3:42]Bob O'Connor's Helpful Tips for the Annual Enrollment Period [12:39]Common Mistakes When Choosing Medicare Plans [12:40]Bob O'Connor's Best Advice for Choosing a Medicare Plan [1:03:56]Connect with me via the podcast website, LinkedIn, Facebook, and Instagram.Check out Bob O'Connor LinkedInThe Matt Feret Show is about thriving in midlife, retirement, and beyond. Each week, Matt shares smart conversations on Medicare, Social Security, retirement planning, health, wealth, wellness, caregiving, and life after 50.Explore more episodes and sign up for The Matt Feret Newsletter: TheMattFeretShow.comNeed Medicare help? Book a no-obligation consultation: BrickhouseAgency.comWatch full episodes on YouTube: The Matt Feret ShowSubscribe on Apple, Spotify, or YouTube for more insights on wealth, wisdom, and wellness in retirement. Hosted on Acast. See acast.com/privacy for more information.

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I'm like "Just the water." There you go "Just the water." But anyhow I say all that to say the blue plate special of the day at McBee's whether you're eating healthy or not they got you covered 'cause you can do the chicken breast but today's Thursday the special is red sauce spaghetti and it is oh so good if you like spaghetti I'm not even a red sauce spaghetti fan I like alfredos- Really Okay and the chicken spaghettis and stuff But I will eat it here and there Like if somebody cooks it I'm not pushing it away But I did I wanted to try everything on the menu Yeah So I could honestly give you my my opinion on it Their red sauce spaghetti's great but if that's not your thing they do have um hamburger steak which is works great for keto They have chicken breast or country fried steak And of course the vegetables okra and stewed tomatoes black-eyed peas turnip greens rice and gravy side salad lima beans green beans mashed potatoes mac and cheese fried okra or fries So you know if you been doing this long enough you know you can create you a carb less plate lunch right there from McBee's And uh I I went a little half and half yesterday I did get the fried okra 'cause they have in my opinion the best fried okra in town It's hard to pass fried okra man It it it really is Let's uh let's take a call real quick before we jump into this conversation on the Mazda Jackson phone line Hey good morning you're on the air Good morning Clay Uh I was headed toward I-220 yesterday going to Industrial Drive take my son some lunch I live in Rankin County of course But on the way up there that going there is nothing but a junk It's trash and I was thinking since the fair was gonna be in town everybody was gonna clean up everything mattresses on the highway Uh it was just it was just unbelievable And where was that at 20 westbound going to I-220- Oh oh to Industrial Drive Oh oh yeah It was terrible Yeah it it's bad C- like of course I come through there every day and I'm just wildly disappointed I will say that at least up through the Ellis Avenue area there they do have the street lights working again Uh so kudos to MDOT for that Okay Okay but everything else it it was just terrible the fair will be here today and they would have everything cleaned up but no Ah it's unfortunate- So but hey what you know if you don't expect anything you won't be disappointed when you don't get it.That is true And I didn't expect nothing else from out of Highlands County But thank you Have a great day Enjoy the show Bye You Thanks I love- Look- I love my callers Ca- can I say this though I actually do think that Mayor John Horn's doing a good job so far I do too Yeah I mean look are are there things that people wish would happen faster Yeah But if you look at sort of the level of activity you know just getting out and filling potholes and paving streets and the stuff that's the basic blocking and tackling I think they're looking for the right police chief obviously right now Um you gotta give them a little credit compared to where we were were you know just- Oh sure a few months ago Well you know it's like I said for the the year leading up to the election whoever wins if they'll just come in and quit doing all the wrong things right they'll they're gonna look really smart Just just letting you know like a like letting a a s- a let- letting a a wound heal on your arm a scab If we just quit picking at it it'll heal Uh the last mayor and the administration in general just kept picking at scabs And for the analogy here it's like uh traditionally you know for 100 years for government to run correctly you just take a right take a right take a right Uh at every opportunity to take a traditional right chalk away to the left And if you would just get back to taking the rights just doing the right thing period You don't have to be the smartest guy in the room but it's gotten so bad if you'll just do that again you're gonna look great And I think John's getting back to just do it just let's just quit trying to reinven- vent the wheel and just let it go round and round and some of this will autocorrect Yeah and look John's smart Um I think he's surrounding himself with some smart people I mean we'll see how it plays out It's earl- it's too early to say that it's going to be a a raving success But comparatively already they're doing things and I think have kind of built the right kind of team Um and then you know you look at the level of cooperation that I think you're going to get from the legislature from the governor um they all like him I mean he had a history of working across the aisle and being easy to talk to and easy to work with And I think people are gonna want to help um you know as we come up into this next session And so I think Jackson's like if if I I know part of of your brand has been like hey Jackson's not where it needs to be and that's true I think Jackson has an opportunity right now to right some wrongs Yeah 100% Look I said it straight up Now there's gonna be some things I talk about 'cause this this is my brand this is my show I mean I'm going to talk about Jackson crime and some of the things I see that are just- Sure out of control But like just the culture rot more so But I did say I'm I'm gonna give it a year bef- unless there's something just egregious I'm gonna give John a year to find the bathrooms so to say before I start really peeling back and you know being nitpicky 'Cause I I think that there's gonna be a lot there's a lot to un- to un-F around here and I'm gonna give him an opportunity to get that get his people in place let them figure out where the bathrooms are at And I'll be honest there the these people I think the expectation is you gotta come in and start working from day one and you're seeing that You mentioned it with the potholes And so these people they're hiring they seem to be hitting the ground running and that's uh wildly impressive uh based on the last 7 or 8 years And look I I would say this too is like uh it's possible to do both things to recognize that progress is being made in a way that is at least somewhat encouraging and simultaneously not to hide from the fact that there's some significant challenges in Jackson that are gonna be hard for anybody to solve for Uh no no doubt No doubt Because I I look I'm exci- I'm optimistic for the first time instead of pessimistic that some things are gonna get done and that we're gonna start enforcing some laws around here And little stuff like code ordinance and whatnot are gonna be big things And not just Quit just going after businesses to go after How about start going after people for the broke down cars in their yard All this little stuff You know get back to the quality of life things Get back to people holding the people accountable for not cutting their grass holding businesses accountable uh illegal signage I mean let's get back to enforcing what's on the books Code ordinances to me is just like the number one thing that the last administration just said "Nah We're we're not gonna bully the citizens." Yeah I mean I think this is true not just in Jackson but everywhere but having pride in where you live is a pretty good indicator of how of of the quality of life that you're gonna have Well you know look Russ one of the things for me that really grinded my gears and I did not intend to get on this but we're here now uh there's a crew of guys and God bless them and I don't talk about them much but it's the guys they're all from like Rankin and Madison County and they've been cleaning the interstates and all that It's Casey Bridges and some other guys and they're doing they're doing great great work Uh but uh there's a part of me that wishes they didn't do it and this is just selfish I get it I should be glad they're doing it and I should I should give them their roses right But they're they're doing it for a bunch of people who really don't appreciate it overwhelmingly They the second they cleaned up the interstate pressure wash it all their stuff these people and some of the comments I've seen online from people is "Y'all supposed to be doing it Y'all should be doing it We shouldn't be having to Y'all all left Jackson The least you can do is come back and clean it." I'm like how about thank you How about that H- how about y'all clean your own city Or how about I don't know the people that we pay taxes to clean and pressure wash the interstates and bridges and everything else how about they do You know Like the citizenry shouldn't have to be uh doing Yeah look and I think there's I think there's a danger a- and I came up in churches I came up doing mission work um and part of the danger that I saw in church mission work is like you would take a group of youth to some city right in the United States presumably with the thought that you were gonna share the gospel of Christ but really it was a work trip And you'd go into a neighborhood and you'd clean up trash or you'd paint houses um and and you were helping to beautify where people lived and at some level it reinforces bad behavior right Because in an ideal world some random person doesn't come and clean Russ's yard- Right 'cause Russ is trashy Russ gets out and cleans his yard because he cares enough about where he lives whether it's an 800 square foot or 8,000 square foot house right He cares enough about where he lives that he's gonna take care of his own property And if everybody does that communities get a lot safer they get a lot closer to each other um and so at some level it's reinforcing um bad behavior if somebody else comes and does it for you when it's something that you're capable of doing yourself and should be motivated to do Yeah How about don't throw trash out your car when you're driving down the interstate That's a good start How about don't litter so people don't have to do this Yeah I mean these are real simple things You know we're we're rewarding bad behavior Well how about y'all come pressure wash my driveway cut my yard I'm doing I'm doing good You know what I'm saying And look there are there are exceptions to this right If you have if you have an 85-year-old live-in widow who can't get out and cut the grass then I think it's awesome that somebody will go and volunteer to cut her grass Amen And that should happen right And so that's that's a different scenario Like I would rather see that energy put in that direction you know find out the little who the little old ladies are that need the help the little old men whatever Let's And I'm not saying people aren't helping them but I'd rather see that than um cleaning up the interstates and all that stuff Again I think they're d- I don't want to diminish what they're doing I think it's great But I feel like you're enabling the people who are littering and doing this I don't know I'm just wildly conflicted I think it enables bad behavior as y- as kind of it rewards bad behavior as you said Well and look I mean you see this internationally and I think even progressives now recognize some of the damage that was done globally in what was a well-intentioned thing like "Hey we're gonna go feed the world," right "There are hungry people we're gonna go feed the world." Or uh "There are places where there's not indoor plumbing or running water" or whatever we're gonna go fix that We did it for people and never taught people th- that skillset in a way that even today there's reliance there And so I think the challenge has always been like how do you be tenderhearted and compassionate the way that I would argue the Bible requires you to be while simultaneously recognizing that sometimes being tenderhearted and compassionate is forcing people to get into uncomfortable situations to figure it out for themselves Yeah Uh what I feel like is kinda done too and this is just from me directly here is it's raised the price of tea in China a bit 'cause now when I get to arguing about people and the things that they've done to Jackson "Well why ain't you out there like them other guys cleaning up the interstate?" 'Cause I'm not gonna clean up your mess I'm not your mama is why God bless them that they feel moved to do that and that's their ministry My ministry is putting my boot up your ass and and telling you that you've screwed up That's my ministry I mean look people were mad at MrBeast was it about a year ago 'Cause he was going into parts of Africa that didn't have wells And was digging wells And I mean I even again even really progressive voices were saying this is counterproductive because really what needs to happen in those settings is like people have the resources and institutional knowledge to do that for themselves 'cause that's sustainable long term Yeah And those wells were already dried up and no good and been robbed and pillaged and everything else from my understanding is It was all just a big waste and look at- Although I I will say that that guy tries to do a lot of good He really does He does He does I'm not hating on him Uh he he does try to do a lot of good but he gets paid very well for the good deeds he does That's true too You know with content monetization But hey I'm not a hater on that at all Thank y'all for the uh money I made the last couple months on uh my content All right Let's take a break When we come back we're actually gonna jump into the TPUSA versus Clinton uh debacle that's going on out there Don't go anywhere here on The Clay Edwards Show 1039 WYAB This is Central Mississippi's stimulating talk 1039 WYAB Pocahontas Jackson.It's time to fall into savings at Mazda of Jackson With ball games road trips and all the busyness don't miss a thing with 2.9% financing for 36 months on a new 2025 Mazda CX-5 Or get 2.9% financing for 63 months on the 2025 CX-90 One-year maintenance is included on your new vehicle purchase And take advantage of the pre-tariff inventory that's almost gone Shop online at mazdaofjackson.com or visit Mazda of Jackson I-55 Frontage Road in Jackson Looking for the ultimate reset for your body and skin At Core Wellness and Recovery you'll find next-level services like cryotherapy red light therapy infrared sauna body sculpting and advanced facials Whether you want to boost performance recover faster or just feel your best Core Wellness and Recovery delivers real results with 0 downtime From muscle relief to radiant skin this is self-care redefined Come experience the future of wellness Core Wellness and Recovery just off Highland Colony in Ridgeland Book now at corewellnessandrecovery.com Hey guys This is KC Ellis with LS Autoplex located on Highway 471N Brandon LS Autoplex known as Little Truck City is your old-school mom-and-pop-style dealership that's family-owned and operated We specialize in 4wheel drive trucks but don't worry we have cars and SUVs too Looking to sell your vehicle Bring it by LS Autoplex where we pay fair market value and we cut you a check on the spot Need your vehicle serviced or repaired We can handle that too Shop us online or set your appointment at lsautoplex.com That's lsautoplex.com Tri-County Tree Service the Jackson Metro's premier company to handle all of your tree service needs Russ Bourland and his team specialize in large tree low-impact removal Tri-County Tree Service has the right equipment to safely handle the most technical trim jobs or tree removals Storm damage can happen year-round so let them clean it up and they'll deal with your insurance claim Tri-County Tree Service By phone at 601-TREE-GUY or online at tricotreeservice.com That's tricotreeservice.com Craving something extraordinary in Jackson Manship Restaurant is where your taste buds hit the jackpot Join us for happy hour every day from 3:00 to 6:00 PM where your wallet will thank you and your stomach will sing Indulge in half-priced woodfire pizzas because why pay full price for half the fun And for just $5 dive into our private barrel bourbon picks That's right luxury on a budget Plus beat the heat with our frozen drink specials a tropical escape without the travel expenses Make your way to the Manship where happy hour isn't just a time it's an experience Are you a wine enthusiast Are you looking for the perfect bottle to elevate your next dinner The ultimate destination for wine lovers is 042 Wine & Spirits on West Government Street in Brandon The locally owned the locally operated 042 Wine offers something for everyone from local favorites to rare vintage wines 042 Wine & Spirits can help you find your next favorite wine The friendly and knowledgeable folks at 042 Wine & Spirits will help you find the perfect bottle for every occasion 042 Wine & Spirits located on West Government Street in Brandon ......... For decades you've known the name Martin's for good times great food and the best live music Now that's happening at 2 locations downtown Jackson and Livingston Check the websites martinslivingtonms.com and martinsdowntownjxn.com for the many special events and live music lineups You can chill with friends on the big patio at the Livingston location and enjoy the blue plate lunches and nightly drink specials Martin's downtown and Livingston Broadcasting live from the Men's Health & Women's Wellness of Mississippi studios this is the Clay Edwards Show Welcome back in to the Clay Edwards Show Uh we got about 5 or 6 minutes left on this hour here 6 minutes so let's just jump straight in I'm not gonna do an ad read right now Russ TPUSA verse Uh first off this is the first time you and I have had a chance to talk since the assassination of Charlie Kirk Let let me ask you this We You're g- you're here for the next hour right Uh I can stay for a while yeah Okay So w- we can peel this onion back a little slower When when that happened man take me back to 'Cause it's it's gonna be That's the moment I'll never forget That's 9/11 like 9/11 I'll never forget who I was with exactly what I was doing the whole thing is just It is f- f- like frozen in time in my brain the way I felt and everything I'm sure you've gotten threats- Yeah uh over the years You know I know I have Uh te- take us back to the the day of the assassination t- as this all this whole thing unfolded What Where were you at What were you doing How did you feel Put us in the timeline please Yeah yeah I was just I was just working Um you know I think I I happened to see on Twitter the the closeup video and I've never seen anything like that in my life Like I've I practiced law for a while and some of my practice uh involved life insurance claims and so I've seen photos that are gruesome I've never seen sort of in real time the amount of blood that was involved in that And I don't say that to be gory or salacious but- No I know what you mean it it that that alone the injury alone impacted me I think it was an odd moment in the sense that like we had seen President Trump obviously get shot in Butler Pennsylvania I didn't have the same emotional reaction to that as I had to the Kirk assassination Part of it is that Trump obviously survived I was gonna say the immediate That would be different if he hadn't of survived or hadn't got up on his own- I I think that's right Yeah I think the other part of it though is uh and and this may come across wrong is like at some level if there's gonna be a political assassination you would expect it to be someone in Congress or a president right Somebody that actually has the ability to impact policy that impacts people Charlie Kirk had none of that He had no political power other than the fact that his ideas impacted people Had influence And so the the thing that I think was disturbing is somebody that clearly doesn't have nearly the audience or scale that he's got but who has um been involved in conversations around policy for a long time is like "Hey somebody could be killed just for what they think." Um in a country that has been built off of the idea that the free exchange of ideas is sort of bedrock to who we are as a people part of what makes us ex- exceptional And so in that moment I think there was a vulnerability You mentioned 9/11 Obviously 9/11 involved 3,000 people dying it involved wars after the fact so a different scale but a similar type of vulnerability where you go "Oh my gosh like things like this can happen." To everyday people To everyday people Yeah Um and there was also this poignant moment in my brain of he's on a college campus and if you think about the whole point of college it really should be a marketplace of ideas where you test what ideas work and what ideas don't Iron sharpens iron kind of thing And so that's the that is the environment that should be most suitable to real exploration and debate of tough issues Um and so I think it was just sort of that juxtaposition of like here's a normal guy who got killed for his ideas and thoughts on a college campus um and it created a sense of real vulnerability I think it also woke up a lot of people who said like "Hey look this is not just a words versus words thing." Like we're at a moment societally where people are so angry at each other and see each other so much as their enemy that stuff like this can happen Yeah yeah That's a great that's a great explanation of it It it was just the the vulnerability and it really made me take a a step back and I I know that my friends and family all and and audience all mean well when they're like "Hey man you really need to keep your head on a swivel." And and so on and so forth you know with all the stuff that you deal with and do and say and everything else Uh and it did it made it real You make people mad Yeah Yeah Apparently So I'm very polarizing they say Uh but it it just ki- it blows my mind I won't say it kills me figuratively that that your words can anger somebody so bad that they want to kill you Like to me I'm just talking about thugs and criminals and people who have actually killed people and But it's never them that I'm really worried about It's people who feel like they had to defend them or that they get offended by the blast radius of me talking about them It's like I we have to kill this guy I w- "Oh so why does Clay keep talking about uh Black violence and Black on Black crime I wish he would shut up Oh you know what I'm gonna commit a crime I'm gonna be violent and threaten him." Like well you're mad You're gonna do the thing that you're mad that I'm talking about Well and look you know- It it blows my mind And it ain't just them I get I get I get death threats from from White people too Sure And and so what I would say is I mean like we we grew up with this adage "Sticks and stones may break my bones but words may will won't ever hurt me." There's some truth to that but uh there's also there there's a degree of falsehood to that because we're emotional people right And things do hurt people's feelings or get people angry or or fearful Um but we bought into for a little while this idea and it really started on the the left side of the spectrum in c- on college campuses that words are violence And if you allow yourself to believe that the things that Clay says and you say some stuff I disagree with Sure Um I say some stuff you disagree with right But like if you allow yourself to buy into this idea that the words that Clay says are violence then you become justified in doing violence But they also tell us that silence is violence So words are violence and silence is violence if you're if you're not You ca- you it's it's not just You can't just be against racism you have to be a outspoken anti-racist as well So if you don't agree with them publicly if you're not a outspoken ally you might as well be an enemy and that is dangerous as well Yeah I look I just think we've gotta we've gotta get to the point again where we recognize that violence is violence Like if I walk up to you and punch you in the face you have the ability to punch me back But if I walk up to you and tell you "You're a colossal dumbass," your response should be "Well I don't like you either," or whatever Yeah But you don't you don't You're not justified in in punching me in the face So I agree And so like just getting to the point where we're emotionally mature enough to recognize there are gonna be people who say things that we absolutely disagree with And we can either debate those people or we can roll our eyes and move on I mean I think that every time I'm on Facebook I'm like "Why are these random people starting fights with people you don't even know?" Right Like you are wasting your time Roll your eyes and move on Yeah I got into a Jeremy England commented something yesterday made a post yesterday about uh people P- people starting off they wanna debate you but they insult you first Like "You effing idiot why don't you debate me?" Or "You're a douchebag why don't you debate me?" Well you've already crossed into the assaults Sure Why would Why would I debate you I dealt with the same thing uh earlier this week with some little 300 followers uh sending me all kind of nasty messages trying to get me to debate him Basically he wants me to platform him Sure You know I'm like I'm just There's no- You're smart enough to know that right Yeah Yeah Like why why would I do that Sure But even if I were to entertain it the way you started the conversation off with the insults I have Why would I want to do that for you Like to introduce you to my quarter million followers uh would be the best thing that ever happened to you if you're if you're so good if your opinions are so strong you could take advantage of that like like I've done in the past But now because you've insulted me to start the conversation I'm not gonna do that We gotta take a break We'll be right back with Russ Lateno here on WYAB Actually we're going to carry the conversation on in the uh live chat during the break Y'all don't go nowhere You gotta take the headphones off for this Okay Yeah during the breaks it it sends the radio signal whatever the commercials through the headphones Okay But uh If we But we're still alive we can talk Uh I like this conversation and I don't wanna just stop it 'cause we're gonna have like a weird run of commercials here but it it is It's like if you wanna debate I'll I will debate you I don't really like the debating thing anyway Let's just talk Like you and I met up and we talked about the school choice stuff Yeah We're on the opposite sides of the same On some of And I came out of that conversation I didn't really change my mind but I appreciated the fact that we had a logical conversation and I was a- and you were interested in why I felt the way I felt And I think that's always the best way to If you're ever gonna get somebody to change their mind is to listen to how they feel about it be respectful about that and then explain why you feel the way you do put your side out there and let the uh marketplace of ideas win the day Yeah no I think that's right I mean I think There's there's this thing called uh sunk cost fallacy in economics which is like once somebody believes something or once they've invested in something It happens in in actual trading like marketplace where it's like "Hey I've invested in this stock and it's lost 50% of its value," and instead of getting out of it you're waiting for it to somehow redeem itself And I think the problem with modern debate is too many people go into it with a thought process that says "Under no circumstances am I ever gonna change my mind." And there's gotta be a willingness 1 to hear To your point hear what somebody else has to say and consider the possibility that they might be right and you might be wrong um if you're gonna have any kind of movement And I think that used to happen at a better in a better way before social media But social media has Like this conversation we're having obviously I guess on YouTube but um social media has made it such that you have an audience now So the stakes for changing your mind have gone up It's become harder to change your mind because that's seen as a pride hit or an ego hit Yeah Um right Versus if you're just having a one-on-one conversation you might go "Hey I hadn't thought of that that way." Yeah Well even If you look like you agree with the other person you lost Yeah Yeah Like you've you've lost some reputation Yeah You've lost part of your brand Um and I would say like even like the school choice conversation that we had Yeah like we disagreed on the idea of public to public um school choice like where a kid gets to leave one public school and go to another Um but we didn't disagree on the idea of like- Mm-hmm universal What's called Universal ESAs right Where like a portion of the money that students already are getting spent on by the state that would allow them to go to a private school Like I think we agreed on that part right We agreed with that So And that and that's what you You weren't aware that I did agree with you on that And we kind of came out of that It's like really it's just like if there's 2 3 thirds here there's just one third of this thing I don't agree with Yeah And so like but being able to have that conversation in a non-combative way it was like oh wait there actually is common ground Mm-hmm We just disagree on this one thing over here Well then there's an opportunity for us to get something done Yeah Well you know at the end of the day I'm a negotiator You know Yeah I'm a dealsman And uh- Well and that's the nature of that's the nature of life It's also the nature of of legislation is like you have to have trade-offs No no a- a- absolutely circling back to the the Jeremy England thing real quick So I just commented and I told the little the little story about this guy trying to argue with me I was like he started off with an insult Why would I you know grant him the ability to come on and you know just platform this guy Why would I make him famous You know what I mean So to say Not that I have not that my platform's that big but long story short And he never fails A coup- a couple people in the comments "Oh well Clay you don't You're scared to debate people You just like to argue with people." And you know what was funny is I've never been rude to a guest on this show ever Even people I've disagreed with Uh frankly it's hard to get people to come on here that disagree with me Uh but I've always been respectful I'm I I can't even think of a time that I've shouted anybody down Yeah Uh at all Maybe argue with some callers here and there that call very aggressively So it's like so it's kind of like this myth of because Clay is an outspoken conservative he must also be scared of debate uh because he doesn't interview Democrats Well f- bro where are these Democrats at that want to come on and actually debate You know so to say Well and at at some level it's like and you mentioned that you don't even like the word- Like straw man arguments that are put- Well you don't even like the word debate right And it's like well if the point of the conversation is a good faith exchange of ideas where people are open to having their minds changed those are conversations worth having If the point of the conversation is to get famous by making you look stupid- Yeah I mean no- nobody's ever had their mind changed by being made to feel stupid No Never Never Um they might give up They might well but they're at the end of the day they're angry about it Um and they're they're even more dug in to than where they started right And so yeah I mean again there's some there's some biblical truth here which is like you catch more flies with honey than with vinegar And if you want to have constructive conversations the best way to do that is not by assuming the other person is stupid but by trying to understand why they believe what they believe That's why Shawn and I have had such a good friendship that was supposed to kind of start off as a bit of a debate show We realized that we agreed on so much stuff for the most part And we also agreed that even when we get our angriest that we're gonna be adults Yeah And not get into a shouting match And in involving Shawn you know for those couple years on the show uh before they went off and did their own thing uh was really really good for me learning you know actually finally having somebody sitting across from me that we did disagree on some stuff And learning that for the most part we agreed on like real core principle things It's just kinda like these ancillary things that we disagree on Uh that was a very healthy uh growing point for me to be able to say okay maybe I'm not as bedrock about some of these things as I thought I was And then there are some things that it made me realize that I'm even more adamant about Well and there's something different when you're sitting down across from somebody versus preaching at them on the internet and you don't have to see them or meet them or whatnot right Like and you see that in other areas of life So like as an example the conversation around immigration and that's a complex conversation and I know your audience probably leans one direction pretty heavily But I would look at it and say okay a lot of people talk about mass deportation as an example of Mexican and South American immigrants But then you say well what about the fellow that serves your lunch when you go to this restaurant Or what about the the people that come and cut your grass or the- You start personalizing it And then you're like oh well I know so-and-so Yeah Right And then it becomes a lot harder to paint with such a broad brush I think that's true in the context of like republicans democrats liberals and conservatives too is like at some level if you just sit down with somebody who's like hardcore on the other side of you and you start talking about the things that they want out of life they want their kids to have better jobs than what they had right They want a house they want a car they want a safe community Like there are all these things that everybody wants like that everybody kind of views as like this is a measure of a good life And the real the real debate or the real sort of difference is how do we get there Yeah Um and like if you start from that vantage point where you don't assume that the other person is evil but they just have a different view on the way to get somewhere I think there's opportunity No I I agree and I talk about this a lot I'll come on here and I kind of paint with a broad brush but I do tell people "Look there's obviously you know nuance here." There's there's special exception I come in here and talk about democrats are evil but one of my best friends is a democrat You know Sure And Shawn and and and a buddy of mine Marvell I mean I could 2 off the top of my head 2 of my closest friends are are are democrats and think I'm wrong about a lot of stuff And that's fine Well you know we either talk about those things or we don't We talk about normal stuff Like we don't I don't ride in a car with my democrat friends and talk about politics the whole time you know We actually both like football Yeah Like there's real life stuff too that sometimes you kind of get lost in the arguing about policy and politics and culture war stuff that you forget that there's actually real life stuff that we enjoy as well And if you- Well I mean- find that common ground it makes life a lot easier A- and I don't mean to be overreligious on on your program but at some level it's like hey the Bible says that we were all created in the image of God That means democrats were created in the image of God too right The Bible says that we've all sinned and fallen short of the glory of God That means that republicans have sinned too right And so like at some level recognizing that if you have that sort of scriptural worldview it means no matter whether you disagree on a question of like immigration or whatever it is that like that other person was created in the image of God and like you they suffer with sin.Um and if you have that kind of humility going into it I think it's a lot easier to to relate to people Yeah you know I use this analogy a lot um Christians are very hardcore about the the they love to say "Gay being gay is against the Bible it's that's against the Lord's words." I'm like "Well so is having sex before you get married." Y- uh absolutely And it was like so I that's why I'm never like I don't get on the the the gay religious thing I don't that's that's their sin let them worry about that I have my own sin and I'd be a hypocrite if I sat there and talked about uh who they have sex with It's no different than who I have sex with when I'm doing it outside of marriage My sin is just as equal as as that Uh my only problem with the gay stuff is like it's the LGBTQ agenda as I you know as I refer to it as You know the the the pride parades with all the near pornographic stuff in front of children and d- drag queen story time No that's that's a whole separate thing from just your everyday run of the mill gay people And like I don't think they're separate Unfortunately they get all dropped under this big umbrella and if you have a problem with this well you must also have a problem with the 2 gay guys No I don't at all 'cause again their sin is no different than my sin Yeah I mean look I I would look at it and say at some level what happens is that the the natural human tendency is to focus on sins that you don't struggle with right So if you're heterosexual it's easy enough to talk about the sin of homosexuality because it's not something that you ever struggle with but if you wanna get uncomfortable you know talk about uh whether or not Russ is overweight right Yeah Because then that's the sin of gluttony Mm-hmm Um or the 400 pound Baptist pastor pastor who clearly is living an unrepentant life when it comes to their their dietary habits Um again the sin of gluttony and so like there's a very natural tendency to to isolate those sins that we don't personally struggle with and to ignore the things that we personally struggle with Heterosexual lust is a great example of that too Yeah And so I I don't think as as a Christian I don't think you should uh ignore what the Bible says is sinful behavior but I do think that you should operate in a way where you don't ignore your own sin um certainly 'cause that it it is hypocritical It it is and that is the one thing when you do this for 2 hours a day you will find yourself contradicting yourself a lot and and so I've learned to avoid contradicting myself I just try to be an open book and say "Look I'm k- a complicated individual as we all are There's gonna be things that I I find abhorrent but then there's gonna be things that I do that you find abhorrent." You know I try to find the common ground and just admit yes I we can all be a bit hypocritical at times But if there's some obvious stuff I try to just b- be like "Look that's" I I try I people think I'm very judgey I'm really not I gotta let let people live but the the Overton window has moved over so much that if you just wanna be left alone or just let people live that makes you far one way or the other now because the Overton window has moved so far I don't l- yeah there the problem is that there are not a ton of people who still believe in sort of what I would call American pluralism which I think is actually one of our founding values is that people get to believe different stuff All right we're coming back from break Chicken spaghetti on Mondays beef tip Tuesday pork chop Wednesday spaghetti Thursday and catfish Fridays And McBee's blue plate lunch comes with 2 classic southern sides and cornbread or a roll McBee's specials are served every weekday from 11:00 to 2:00 McBee's buzzing the Rez since 1982 Welcome to the Clay Edwards Show More adrenaline You know it's a pretty interesting time to to be alive What's the saying M- may the times you live in be interesting We've accomplished that more test top throne for your morning drive When you know you've got a problem how about tell people and be honest What's going on Going to war on cancel culture and bringing the spotlight on issues and topics from around the city of Jackson I feel like Jackson is slapping and no one else wants to talk about it The whole system is corrupt and evil It's unreal And they don't care and and everybody knows it It's just sad And fights for the soul of America I'm gonna need y'all to explain to me what a positive solution is 'cause you positive solutions only people have been in charge for a while now and I'm too many positive solutions You never Strap in Turn up the volume and get ready Jackson for unfiltered no sugar added talk radio It's award-winning podcaster Clay Boom shakalaka boom It's hour 2 of the most incendiary show on the R-A-D-I-O This is the Clay at Birth show here live on 103.9 FM W-Y-A-B We are streaming in stunning HD worldwide @SaveJXN on Facebook YouTube and X and we're on Rumble at SaveJXN If you're watching on any of those platforms hit the Like button hit the Share button if you're on Facebook If you're watching on YouTube drop a comment hit the Like It truly truly does help us with the algorithm If you like it they assume more people who watch the things that you like will like it too and they'll recommend these videos to people on YouTube which helps us grow And it doesn't cost you a penny to hit the Like button So please please please smash the Like button as the YouTubers- Like and subscribe Like and subscribe Like and subscribe Like and subscribe And uh we did We we gained over 500 subscribers on YouTube last month which I know in the big picture that may not sound like a lot but that's 500 new people that subscribed to a little old show out of Jackson Mississippi We're almost at 10,000 YouTube subs here 5 years into this and it is a it's taken a while There's not been no big one viral moment that's got us anywhere It's been just chipping away and chipping away and chipping away And I do think we'll eventually get that We'll we'll have that moment when we get you know X amount of followers and enough people see something that resonates with them But uh guys please uh do hit that Like button This segment is going to be brought to you by our friends over at You know I've been talking about it all week I want to drive it home It starts today round one the PGA Champion- Not the PGA Championship the Sanderson Farms Championship which is the only PGA event in Mississippi But not only is it the only PGA event it's the only major sporting professional sporting event in the state of Mississippi I know we can argue that college football is now a pro sport but And it always has been It has been for quite some time Yeah it always has been But uh it's the only legitimate pro-sport uh event in the state of Mississippi and it's right here in Jackson For all the negative things about Jackson this is one of the shining uh house on the hill you know beautiful moments that we have here in this city It's something we really should all wrap our arms around and get out and support if you want to keep it whether it's Jackson central Mississippi whatever there at the Country Club of Jackson And uh the first round starts today I'm going to be out there Saturday My buddy Fred Shanks my buddy Sutton my buddy Michael we're all going We got some Michelob Ultra Pavilion passes which you can get those as well at PGA I'm sorry at sandersonfarmschampionship.com And you can buy tickets You can buy the uh the Mick Ultra Pavilion It's kind of like their VIP thing There's going to be a bunch of TVs there You can miss You can catch all the college football action the golf action It's a great socializing event Just gonna be a grand time The weather's gonna be beautiful Come join us If you can't do Saturday get you some tickets for Sunday I think you just buy the ticket and go whatever day you want They're just Whatever ticket's good for any day but it's only one You You got to If you're going 2 days you got to buy 2 tickets So just FYI It's not a weekend pass Uh I do believe they do offer those But uh it's not too expensive Uh but you know it is a nice event and it does it does cost a few bucks But I think if you buy a ticket and a VIP pavilion pass it's about 130 bucks for both Which if you bought a concert ticket lately and you try to do a VIP upgrade you're probably talking about at least 500 bucks So for the money it's a really really good deal And uh parking's off site there at North Park You park there They they they bring a shuttle bus back and forth They'll keep them running all day You're not going to have to wait long to get to or from your vehicle The weather's going to be beautiful Come out there Hang out with me Come say hey And uh Saturday wear your favorite college colors It's University Day So going to be fun Russ you going to get by Uh we're going to an event tonight uh tied to it Um kind of their opening event and uh- A sponsorship party Yeah So we'll we'll do a little bit of that tonight and we'll see I I might Uh it's a good event And they- I'm trying to angle some tickets for the sponsorship party I I've been I've been working some angles that have not worked out so far But I would love to go to the sponsorship party Well we we can talk about it off air maybe Maybe so All right Well uh look so we got Russ Latino here Magnolia Tribune one of my favorite journalists in the state if not my personal favorite And Magnolia Tribune does just phenomenal work And Russ grabbed a hold of something like a dog on a bone the other day And I'm really glad he did because he brings a level of credibility and a level of scrutiny to to this topic that I think needs to be And he shines a light on it uh as one of the most influential journalists and policymakers in the state And it's the In the wake of Charlie death Charlie Kirk's death and that's why I wanted to really get Russ's opinion on that and kind of his thoughts on the whole thing before we dove into this These TPUSA chapters which is Turning Point USA for those that don't know Charlie Kirk's foundation that he founded And they Man they The growth has been stupendous since his death Thousands and thousands of new charters popping up And in these high schools where we really need to be trying to win the culture war uh just like colleges man We if we can get ahold of them at high schools they go to colleges you know kind of ready to fight the fight or knowing how to fight it And Clinton for some reason has decided that uh it's a no-go there So I've kind of laid the groundwork for you here man Tell us kind of what happened So let let me start by saying that um obviously what happened to Charlie Kirk was a tragedy a horrible tragedy I didn't always agree with him Um and I didn't always agree with TPUSA I did agree fundamentally with the idea that we should be having open debate on these issues um and that open debate is good And so-What happened was after his death to your point thousands and thousands of new chapters high school and college of TPUSA um started to form Um a couple of Saturdays ago so uh 2plus Saturdays ago um a teacher at Clinton High School sent out an email to a handful of students um and that email essentially said "Hey I know you're interested in this sort of stuff because you've talked to me in the past about wanting to start some kinda club that focuses on patriotism and sort of the exchange of ideas and debate Um what do you think about potentially doing a TPUSA chapter?" That email said explicitly this would have to be student-led Um you would have to come up with the names of other students who are interested in spearheading the effort to start this thing And there was a plan of sorts put together Some of these kids started sharing it with their friends they came back with names of people who wanted to be involved And essentially they planned to get together the following Tuesday September 16th to have a planning meeting with the teacher Well our sources say that that email got around to a wide group of people Um and one of the- the sets of hands that it ended up in was a set of parents who were very much opposed to the idea of there being a TPUSA chapter on Clinton's campus Um and that was communicated to school officials So what happens then is that on Monday September 15th the teacher that afternoon sends out an email to these students who are ready to meet the next day just saying "There will be no meeting tomorrow." Um the following day one of the students follows up and says "Well when are we gonna reschedule it?" 'Cause they're excited about doing this Um and she emails back and says "There won't be a rescheduling you need to go talk to the principal about this." Well the backstory of those few days and the way that we got ahold of this was that we got contacted by 2 sources that said "Hey look some students wanted to start this TPUSA chapter and they got shut down by the school administration." Um and we were told that there were 3 reasons given by the administration The first was that this was too political and "We don't do political clubs it's gonna be divisive." Um the second explanation which came later was "Well this was teacher-led and because it's teacher-led it violates a district policy." And then once students voiced "Hey no actually we want this," the third explanation that was given was "Hey it's too late in the year to start a new club." And so all of this unfolds- We're a month into school we're a month into school So all of this unfolds and you start to see And the only way we know this is 'cause we did public record requests on Clinton High School Um you start to see emails directly from students to the principal of Clinton High School Dr Brian Fordinberry saying "We want this." To the point that some of them are literally pressing him and saying "Tell me why we can't have this In writing please tell me why we are unable to have a Turning Point USA club." Um we get ahold of the story break it on uh social media And the response that we got from folks who live in Clinton was "Hey we called and talked to the principal and he said the reason they can't have it is 'cause they started it too late in the year." Well that night I start doing some research All right let's figure out is that true Is there a policy in place for this Read the entire Clinton Han- School handbook Nothing in there about when clubs can start Um read the entirety of the school district's policies Couldn't find anything So I wrote the principal and the- the school board attorney and just said "Hey look I've looked at all this stuff I can't find any policies that- that says that this can't be done this time of year." Um and we had posed a bunch of different questions public record requests whatnot Well they come back um the following day and release a statement that basically says "We didn't actually shut it down We just told them that it couldn't be teacher-led and that it couldn't be this year." Which is shutting it down Yeah Um and so anyway we- we've been able to get together all these public records It really looks from my vantage point like the 2 reasons they gave are pretense first of all students individually went to the principal and said "We want this club." ......... ......... ......... ......... ......... ......... ......... all of the documents ......... ......... ......... ......... ......... ......... ......... ......... ......... ......... ......... ......... ......... ......... ......... ......... ......... ......... ......... ......... ......... ......... ......... ......... ......... ......... ......... ......... ......... ......... ......... ......... ......... ......... ......... ......... ......... ......... ......... ......... ......... since 2019 The Tigers are playing well against Alabama this season but they aren't winning their first game of the season The Tigers were able to win their first game against ......... ......... ......... ......... ......... ......... Alabama on September 19th 2020 They had a 31-0 victory at home against Alabama The Tigers won their first game of the season against Alabama on September 19th 2020 The Tigers have been playing well since then but they haven't been able to win their first game of the season The Tigers were able to win their first game against Alabama on September 19th 2020 They had a 31-0 victory at home against Alabama The Tigers have been playing well since then but they haven't been able the season The Tigers were able to win their first game against Alabama on September 19th 2020 They So they make good homemade ranch at Burgers Blues Barbecue is my point Get by check them out today Madison by the way the Madison location is open right now serving breakfast Dogwood in Flowood or downtown Brandon BurgersBlues.com to book a food truck check out the catering menu or to order and have your food delivered You can do it all in one great location BurgersBlues.com Website looks phenomenal too by the way Pictures of almost every item if you wanna know what it looks like That goes a long way Yeah You know Yeah no it does Um good websites good pictures all that stuff uh is how you market stuff right Gets people salivating We eat with our eyes Uh uh yep I think that's true Our eyes and our nose Yeah Right And my my eyes are often bigger than my appetite- Well as they say Yeah no I think that's part of the problem right Yeah absolutely So Russ wha- uh your your opinion do you just think this is political with TPUSA So let me say this for uh uh to start is I think whenever Clinton put out its statement in response to our original reporting they basically said it's incorrect that we tried to shut it down but then they explained why they had shut it down so it was an odd statement The other thing that I saw that bothered me almost more than the statement was the way that the media reacted which was just to just accept at face value with no critical thinking the explanation that was given Right So they're saying "Hey the reason we didn't do this is because it was teacher-led," while simultaneously admitting in the same statement that students independently came to us and asked for Right Mm-hmm Um so one that doesn't hold water And then they said "Yeah but we explained to those students that our 'practice' was to a- approve things this year and then h- allow them to go into effect next year." I asked the question point blank "Well what does that mean that next year there'll be a Turning Point USA chapter?" And they didn't answer that question But more importantly that policy does not exist in writing Right It doesn't exist anywhere um based on our investigation And so neither one of those things hold water And if neither one of those things hold water there must be something else And our sources said that the something else was the fact that you had parents that were angry about the idea of it coming on campus and a principal who just said "Hey this is gonna be too political which is unconstitutional." So w- what I would say Russ's opinion reading between the lines looking at all the facts I know the sources that we've talked to I think the principal panicked um and was trying to find a way to keep the peace which I can respect at some level which is "Hey we don't wanna rock the boat here We don't wanna create tension We want a unified campus This is gonna create some tension so I'm gonna find a way to say no." The problem with that is yes it violates the Constitution yes it violates federal laws yes it violates state law but there's a bigger sort of fundamental problem which is the way to deal with the fact that we can't have constructive debate in this country is not to have no debate at all It's to get better at having constructive debate Yes And that starts at an early age And so if we can create a system where yes there can be a Turning Point USA chapter and simultaneously yes there can be some sort of progressive chapter on campus and students get to decide who they wanna associate with and we create an atmosphere where hopefully those groups are talking to each other engaging with each other civilly we're setting ourselves up for much better conversations in the future than what we're seeing in our country amongst adults right now And so to me instead of saying "I don't wanna rock the boat," the answer should be "How do we create an environment where people get to associate with who they want they get to say what they want and we encourage students to do so in a way that is civil?" Uh I would love to see a list of the current of the current groups on the campus And w- we've asked for that right Um I I know that there are uh at least social organizations on campus that like you know some conservatives would find uh objectionable Um you know there's a gay straight alliance club as an example I I was gonna say like it would bet but bet the farm that there's an LGBTQ alliance of some sort on there uh there's gonna be some type of civil social justice Black pro-Black group and all those are fine as long as you have the ying to the yang And and and I would say great I would say great right Yeah Um it's it what you don't wanna do is a situation where you're having viewpoint discrimination And even like the other 2 uh you know arguments which is like "Hey this is teacher-led." Well 1 I don't think that's true based on the documents that we've gotten and I don't think it's true based on their own statement at some level But the Constitution doesn't say you can't be inspired by an adult if you wanna create a club on campus right Yeah Um people can get ideas from other people And and candidly every club on campus is required to have a sponsor So one man's sponsor is another person's teacher-led group right Yeah Um and then on this this timing thing is even if that policy did exist you would have to show that it had been consistently applied and it would still have to be tailored in a way legally that it didn't deprive people of their rights So you could say like a senior uh is on campus and they're saying "Hey you're making me wait until next year I won't be here next year I'm gonna graduate." Uh that was gonna be what I was gonna say We got a great comment here on X from uh Bourbon Diplomacy which may be the best name on X by the way That's a great name It says uh "Clinton School District attends school almost year round now so when is the correct time?" Yeah I mean again what they put out through surrogates after we did our initial reporting was "Hey we've got this policy and they're in violation," but can't even point to to something in writing I mean Yeah It it seems pretextual when you can't show something in writing And when you ignore a a public record request that explicitly asked for who are the other clubs When were they formed When were they allowed to be on campus They should be able to tell us all of that unless they're just not keeping records of what clubs are on campus which would suggest that they don't actually have a policy Right So what is the next step Is uh is Magnolia Tribune uh to the point of a lawsuit Well we wouldn't be the ones to file a lawsuit right A lawsuit would have to be filed uh either by some of the students who want the club which would be the the most likely scenario if they wanted to push that far or uh you know if there were adults on campus faculty that that thought that their rights had been infringed upon at some level Um my suspicion is that neither one of those things will happen because people don't like the idea of suing their own school Um it takes a rare person Like you'll occasionally see lawsuits percolate That's like one out of a thousand people has the courage to say "Hey I'm gonna do something like this." Is is Clinton in ISD or is it part of Hinds County I should know that I don't off the top of my head Uh- Yeah yeah no I do know that 'cause they they've got their own superintendent Yeah yeah it's independent Okay I I wasn't sure I I knew I know Pearl is and I and I grew up going to Byron which is part of uh Hinds County so I just wasn't sure if Clinton was part of that or not Never actually Yeah Never needed to know that So I mean a lawsuit is poten- is possible I I don't necessarily see that You know I I think the the most likely scenario if if the high school does the right thing they're not gonna come out and admit that they violated the Constitution No government official's ever gonna be like "Hey I violated the Constitution federal law and state law." What you hear instead is the kinda stuff that you heard here which is "Oh we wanted to help you but you didn't follow this unwritten process that we expected you to follow." So they're not gonna do that But if I were the district if I was on that board of of the school uh or if I was the principal I'd be trying to figure out a way to get it started Yeah there's gotta be a way to put the paste back in the tube a little bit here before it spirals outta control I mean you're sitting here like- Well it got it got mentioned on CNN That's where I was going yeah Um so so you know Abby Phillips' program Newsline on CNN it got mentioned there Uh I expect that there will be other national outlets that will be covering this Um there's an opportunity for Clinton to do the right thing and recognize that kids deserve the right to have this kinda club on campus if they want it Um for Magnolia Tribune's part we're not giving up right We still have several public record requests that we don't feel like have been answered uh and that weren

In this episode, which was recorded live from the HR Tennessee Conference in Nashville, David welcomes Misty Bolt, also known as "Medicare Misty." Misty demystifies the complexities of Medicare, explaining what it is and how it's funded, and she explains the critical differences between it and Medicaid. She also discusses the current state of Medicare, common misconceptions employees have as they approach retirement, and why early and continuous financial education is essential for ensuring a secure future.  [0:00] Introduction Welcome, Misty! Today's Topic: Demystifying Medicare and Planning for a Secure Retirement [3:16] The Current State and Future of Medicare How recent legislation is impacting Medicare Advantage plans and doctor's funding.  Navigating disruptions as some insurance plans are terminated, and the importance of open enrollment.  [7:03] Why Employees Are Unprepared for Retirement Decisions How to navigate being "thrown out to the wolves" with no transitional support after decades of your company making healthcare decisions for you.  The challenge of suddenly having to make complex decisions about Medicare, Social Security, and long-term care all at once.  [15:58] Proactive Steps for Financial Wellness and Retirement The importance of engaging a financial advisor early in your career to plan for the future.  Using financial tools like Health Savings Accounts (HSAs) as a retirement tool, not just for medical expenses.  [18:15] Closing Thanks for listening! Quick Quote “[When you retire] you're thrown out to the wolves and [navigating Medicare] is . . . so hard and so complicated that nobody understands it.”

How will the October 2025 government shutdown impact federal employees, retirees, and Social Security recipients? In this video, CD Financial breaks down what you can expect, tips to protect your income, how to bridge financial gaps, and updates on benefits. Get expert retirement and financial planning strategies tailored to the federal workforce. 

Donate (no account necessary) | Subscribe (account required) Join Bryan Dean Wright, former CIA Operations Officer, as he dives into today's top stories shaping America and the world. In this episode of The Wright Report, we cover the federal government shutdown, Pete Hegseth's blunt message to America's generals, new immigration updates from Chicago to Central America, and surprising global research on obesity. From furloughs in Washington to fat generals at the Pentagon, today's brief connects politics, security, and science shaping America's future.   Federal Government Shutdown Begins: Negotiations collapsed after Democrats demanded $1 trillion for health care tied to Biden's immigration surge. Trump warned, “We can do things during the shutdown that are irreversible,” and began cutting federal workers, including 100 FBI agents. Essential services like Social Security remain open, while departments like Labor shutter. Bryan notes, “This shutdown is ultimately about an argument I thought we settled last November.”   Pete Hegseth Calls Out Fat Generals: The Secretary of War unveiled a 10-point plan to toughen the military, starting with weight and fitness standards for all ranks. “It is tiring to look out… at any formation and see fat troops,” Hegseth said. The plan includes tougher boot camp, one combat standard for men and women, and no more promotions based on quotas. Trump joked, “Pete gave a great speech… but I don't want him to get so good I can't go on after that.”   Immigration Updates from Chicago to Central America: Four leftist protesters attacked an ICE facility in Chicago, one threatening, “I'll f------ kill you right now.” In Portland, illegals shined lasers at a CBP helicopter. In Iowa, ICE arrested a school superintendent who was in the country illegally and registered to vote. Meanwhile, Bloomberg reports migrants are sending record remittances home — $161 billion projected this year — fearing deportation. Bryan says, “Migrants are getting while the getting is good.”   Obesity Campaigns Fail Worldwide: A new Lancet study found that none of 17 childhood obesity programs worked, even with parental training and nutrition education. French researchers concluded rising caloric intake is the real driver, echoing why drugs like Ozempic work by cutting appetite. Bryan quips, “I put a new picture of Pete Hegseth on my fridge. I've already lost five pounds.”   "And you shall know the truth, and the truth shall make you free." - John 8:32     Keywords: federal government shutdown 2025, Trump irreversible budget cuts quote, FBI agents fired shutdown, Pete Hegseth fat generals 10 point plan, military fitness standards women combat, Chicago ICE attack leftist protesters, Portland illegals laser CBP helicopter, Iowa illegal superintendent voter registration, migrant remittances $161 billion Bloomberg, Lancet obesity study children, French study caloric intake obesity, Ozempic Wegovy appetite suppression

For decades, government shutdowns meant temporary furloughs that were painful but reversible. Now, Trump and his cronies are using the threat of mass, permanent firings to gut the very institutions that protect our food, our air, our water, our workers, and our democracy itself. Trump going after James Comey is the height of authoritarian revenge politics, and the bitter irony is impossible to miss. 'Never seen it so bad': DOGE cuts have Social Security workers needing to be 'medicated' Wow. Jimmy Kimmel tripled his audience on comeback night - I would say this is called a Trump backfire.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In part one of Red Eye Radio with Gary McNamara and Eric Harley, "Sorry folks..the park's closed..the moose out front shoulda told ya" .. Vacation. Feels kinda weird but yeah..for the first time in five years, the Government is officially closed for at least two weeks as of midnight this morning. The big question on everyone's mind is "will this affect my social security and healthcare?" The short answer is .. no. Roughly 30% of federal employees are on furlough and some may not be returning to work when the Government opens. Basically a government shutdown happens when Congress can neither pass all 12 appropriations bills needed to fund the government, nor pass a continuing resolution which typically keeps funding levels static while lawmakers hustle to finish their work on spending bills. Programs like Medicare, Social Security and Medicaid will continue, along with the Postal Service, Veterans' Affairs hospitals and clinics, and Immigration and Border Patrol security activities, among others. Federal employees will likely go without pay, however, and a string of agencies will see their services hampered by furloughs, like the IRS and Small Business Administration. Housing programs may also see a delay in rental assistance and loans. Also on today's show, a yelling match between Sen. Josh Hawley and a former Biden administration official broke out in a Senate Judiciary Committee hearing over the need for "two spirit" safe spaces to combat gun violence and Pete Hegseth's ambitious 10-point plan to transform the military. 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

Chris's SummaryJim and I return for an EDU dialogue episode focused on a listener's delay period strategy. His plan includes laddered CDs, equity ETFs, delayed Social Security, and Roth conversions. We use his plan to discuss bracket drift, spending liquidity, and how rising markets can complicate a fixed glidepath. We also cover the tax planning […] The post Delay Period Strategy: EDU #2540 appeared first on The Retirement and IRA Show.

Today's episode uncovers how the government shutdown is pulling back the curtain on Democrats' real priorities — putting illegal immigrants above American citizens. From viral TikTok rants to Maxine Waters' awkward dodges, the truth is breaking through unfiltered. Lee and Tara break down explosive new data on millions of illegals handed Social Security numbers and Medicaid under Biden, and why Democrats are panicking as Trump stands firm. Plus, a deep dive into Secretary Pete Hegseth's fiery declaration that the “era of woke” in the military is over — from drag shows on bases to DEI quotas, the fight for America's institutions is just getting started.

In this explosive episode, we dig into how the government shutdown is exposing Democrats' true priorities — putting illegal immigrants ahead of their own voter base. From Maxine Waters' stumbling answers on healthcare for noncitizens to shocking Social Security and Medicaid numbers, the mask is slipping. We also cover Pete Hegseth's hard-hitting stand against “woke” policies inside the military, from drag shows on bases to radical recruitment campaigns. This episode connects the dots between the border crisis, taxpayer-funded benefits, and the fight to reclaim America's institutions. Buckle up — you've never heard it broken down like this.

Women control more wealth than ever—so how do you find an advisor who listens, explains clearly, and shares your values? According to McKinsey & Company, by 2030, women are expected to control nearly two-thirds of U.S. assets—around $30 trillion. With that kind of stewardship comes both opportunity and responsibility. Today, Sharon Epps joins us to share five simple practices that women should expect from their financial advisors.Sharon Epps is the President of Kingdom Advisors, FaithFi's parent organization. Kingdom Advisors serves the broad Christian financial industry by educating and equipping professionals to integrate biblical wisdom and financial expertise.Key Practices Every Client Should Look ForWhen it comes to choosing a financial advisor, women don't need a different standard—they simply need the right standard done well. At Kingdom Advisors, we train Certified Kingdom Advisors (CKAs®) to integrate biblical wisdom into their practices while also serving clients with excellence and care.If you're interviewing an advisor, here are five practices to watch for. These principles will help you find someone who not only understands finances but also values clarity, empathy, and shared purpose.1. Clear TerminologyFinancial jargon can be overwhelming. Terms like RIA or CFP® often make sense only to industry insiders. A good advisor should be able to pause, explain concepts in everyday language, and use analogies that make complex ideas easier to understand. Look for someone who welcomes your questions and ensures you truly understand the path forward.2. A Warm and Welcoming EnvironmentWe often say to “light a candle”—not literally, but figuratively. The goal is to create a space that feels safe and welcoming, rather than intimidating. Just like hotels offer warm cookies to make guests feel at home, a thoughtful advisor will create an environment where you feel respected and comfortable.3. Transparency in All ThingsAn advisor has a fiduciary responsibility to be transparent—but the best ones go beyond compliance. They openly share how they are compensated, outline every fee on paper, and invite accountability. As a client, don't hesitate to ask where you can see these details clearly documented.4. Interest in More Than MoneyWe teach advisors to “use a magnifying glass”—to look beyond the numbers. Money is simply a tool to help you fulfill God's calling on your life. A trusted advisor should ask about your values, dreams, and purposes—not just your portfolio. That's why the CKA® designation is so important: it connects you with advisors who share your values and can integrate them into financial decisions.5. Developing God's Heart for the Whole PersonThe most important practice is what we call whole-person care. Advisors aren't just money managers—they're disciple-makers. They should walk alongside you and your family in prayer, through significant life transitions, and in building unity between spouses. Women's voices should be heard and respected just as much as men's in every financial conversation.Our prayer is that these five practices give you confidence as you search for the right advisor. You deserve clarity, empathy, and values that align with your faith. If you'd like to find a Certified Kingdom Advisor in your area, visit FindaCKA.com.On Today's Program, Rob Answers Listener Questions:Back in 2018, my home insurance company agreed to replace my roof. In 2020, contractors found I also needed new decking, and an insurance employee told me they'd cover it once the work was finished. Now the company is threatening not to renew my policy unless I replace the roof at my own expense. How can I get them to honor their commitment?My dad passed away over a year ago, and my mom is trying to qualify for Social Security benefits. The issue is that my dad didn't have 40 credits, and neither does she. Is there any way their credits can be combined so she can meet the requirement?I heard about a provision in a new bill that allows accounts to be set up for children. Is it true that the government will put money into accounts for kids born in the next few years? If so, how would I participate?I'd like to encourage my two adult children to start investing in Roth IRAs. Where can they open accounts with low fees, especially since they'll only be making small contributions at first?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Sound Mind Investing (SMI)Wise Women Managing Money: Expert Advice on Debt, Wealth, Budgeting, and More by Miriam Neff and Valerie Neff Hogan, J.D.Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In August, Nevada government agencies were hit with a crippling ransomware attack. Thankfully, Nevada's election infrastructure wasn't affected. But against that backdrop — and with concern over Nevadans' personal information still fresh — the Department of Justice is now requesting driver's license records and partial Social Security numbers for every registered voter in the state. Secretary of State Cisco Aguilar joins this week to discuss how Nevada's election systems held up during the cyberattack, why he won't release voter data to the Trump administration and a first look at initiatives that could appear on Nevada's 2026 ballot. Nevada Secretary of State concerned about DOJ requests for voter data Learn more about your ad choices. Visit megaphone.fm/adchoices

Roger welcomes Kurt Couchman, senior fellow in fiscal policy at Americans for Prosperity, for a conversation on the risks of the nation's growing debt and his proposal for a balanced budget amendment to restore sound governance.They discuss why fiscal insolvency threatens future generations, how intergenerational debt burdens undermine prosperity, and why Congress struggles to act despite bipartisan public support for reform. Couchman explains “fiscal democracy,” outlines his balanced budget amendment, and shares lessons from countries like Switzerland and Sweden. The discussion also touches on the politics of government shutdowns, Social Security's unsustainable path, and how institutional reforms could improve Congress' ability to govern responsibly.Kurt Couchman is the author of “Fiscal Democracy in America: How a Balanced Budget Amendment Can Restore Sound Governance.” He has worked on Capitol Hill as a congressional staffer, at leading budget policy organizations, and is a frequent commentator in national media on fiscal issues. A TFAS alumnus, Couchman received the 2023 Kevin Burkett Alumni Service Award for his contributions to the TFAS community.The Liberty + Leadership Podcast is hosted by TFAS president Roger Ream and produced by Podville Media. If you have a comment or question for the show, please email us at podcast@TFAS.org. To support TFAS and its mission, please visit TFAS.org/support.Support the show

Episode 95: Myth Busters – Social Security Edition (Part 1)Episode OverviewIn this episode of One for the Money, we take on one of the most misunderstood areas of retirement planning: Social Security. Despite being around for 90 years, myths and misinformation still lead people to make costly mistakes—sometimes losing hundreds of thousands of dollars in lifetime benefits.This is Part 1 of our Social Security Myth Busters series, where we'll tackle two of the most common myths about claiming benefits. In addition, the Tips, Tricks, & Strategies segment covers an often-overlooked opportunity with spousal and ex-spousal benefits.What You'll LearnWhy Social Security is such a critical piece of retirement incomeThe true costs of claiming early at age 62 versus waiting until full retirement age or age 70Why the fear of Social Security “running out” is misleadingThe most likely fixes to secure the program's long-term futureA strategy for spousal and ex-spousal benefits that can add unexpected valueMyth #1: You should take Social Security at 62 because it's available.Claiming early reduces benefits by about 30% for life.Waiting until 67—or even better, 70—can increase lifetime benefits dramatically.Delaying acts like a guaranteed 6–8% return per year, something most investors can't match consistently.Early filing penalties apply if you're still working.Myth #2: Social Security is going to run out.While the trust fund is projected to deplete by 2034, payroll taxes will still fund about 80% of benefits.Likely adjustments—raising the income cap, modest tax increases, or raising the retirement age—are far more probable than eliminating benefits.We've faced this before, and reforms extended the program by decades. History suggests the same will happen again.Tips, Tricks, & Strategies Segment: The Ex-FilesDivorced after a marriage that lasted 10 years or more? You may qualify for ex-spousal benefits—up to 50% of your former spouse's benefit, or your own, whichever is greater. Your ex won't be notified, and their benefits won't be reduced. With the right documentation, this strategy can meaningfully improve your retirement income.Episode Highlights & Quotes“Claiming Social Security early isn't just a smaller check for a few years—it's smaller for life.”“Delaying benefits is the closest thing to a guaranteed return most retirees will ever see.”“The idea that Social Security will ‘run out' is a myth. Adjustments will be made, just as they have in the past.”“Sometimes, the best retirement strategy from a marriage comes long after it ends.”Planning Your Next StepsIf you're unsure about when to claim Social Security, don't guess—or rely on casual advice. At Better Planning, Better Life, we help you make the right decision in the context of your entire financial plan. Schedule a free consultation with us today.Want More?Subscribe to One for the Money on your favorite podcast platform.Ready to plan your ideal retirement? Schedule a free consultation with our team.https://BetterPlanningBetterLife.com Connect with Jonny on LinkedIn

The U.S. government is officially shut down. More than 750,000 federal workers are bracing for furloughs, layoffs, or worse as President Donald Trump vows “irreversible” changes. While Medicare, Medicaid, the mail, and Social Security checks continue, programs like SNAP and WIC could run out of money within a week, cutting off nearly 7 million mothers and children. TSA agents, air traffic controllers, and members of the military are working without pay. Meanwhile, Republicans and Democrats are trading blame as the standoff deepens. Subscribe to our newsletter to stay informed with the latest news from a leading Black-owned & controlled media company: https://aurn.com/newsletter Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, The Annuity Man discussed:  The best inflation annuity on the planet The second annuity you already own  RMDs are an annuity payment    Key Takeaways:  Annuities that adjust for inflation offered by the private sector have their initial payments drastically lowered to make up for the index increase. You don't need to get that because you already own the best inflation annuity on the planet: Social Security.  The second annuity you might already own is attached to your Individual Retirement Account. A 401k, 403b, or 457 is a tax-deferred type that you're eventually going to roll into an individual IRA.  Your Required Minimum Distribution is also an annuity.  It creates an annual lifetime income stream. As long as you have IRA assets, you're going to have to take RMDs.    "You definitely own one [annuity], you most likely own two, and you could own three - so what does that mean to you? That income floor takes you through chapter two of your life." —  Stan The Annuity Man.    Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!

EP 408 - What happens when British charm collides with German order in the workplace? In part 3 of our Business Without Baggage series, we speak to professor and senior partner at GTK Germany - Manfred Klein - who breaks down the surprising differences - and hidden similarities - between the UK and Germany's business cultures.From awkward handshakes and endless small talk to rigid agendas and direct feedback, discover why British and German colleagues often clash in meetings, negotiations and everyday work.What You'll Learn in This Episode:Why German efficiency and precision frustrates British colleaguesHow British politeness and vagueness confuses German teamsThe truth about work - life boundaries in Germany vs the UKWhy Germans trust process while Brits trust personalityHow cultural differences can make or break international business dealsIf you're doing business with Germany, managing international teams, or just curious about cross-cultural communication, this conversation is packed with real-world insights and a few laughs.*For Apple Podcast chapters, access them from the menu in the bottom right corner of your player*Spotify Video Chapters:00:00 Business Without Baggage part 3 - Germany00:43 Meet Manfred - A Legal Heavyweight01:16 The Importance of Formality and Punctuality02:20 Setting and Following an Agenda04:53 Work-Life Boundaries in Germany17:05 Direct Communication and Feedback29:14 The Role of Hierarchy and Family Businesses39:25 Social Security and Employee Expectations40:54 Understanding German Employee Benefits41:25 Work-Life Balance in Germany42:05 Challenges in the German Health and Pension Systems42:54 Maternity and Parental Leave Policies44:01 Declining Birth Rates and Social Security46:26 Immigration and Cultural Integration48:05 German Cultural Traits and Business Etiquette49:15 Economic Challenges and Quantitative Easing50:25 Direct Communication and Efficiency in Germany57:00 Business Collaboration Between Germany and UK59:16 Ease of Doing Business in Germany01:09:00 Common Mistakes When Doing Business in Germany01:11:03 Visa and Property Ownership in Germany01:13:50 Andy Wears German Carnival Outfit01:15:19 Business or Bullshit quiz!01:18:04 Wrap UpWatch and subscribe to us on YouTubeFollow us:InstagramTikTokLinkedinTwitterFacebookIf you'd like to be on the show, get in contact - mail@businesswithoutbullshit.me

Impending Shutdown: The country is only “hours away” from a government shutdown, Partisan Blame: The responsibility for the shutdown is Democrats, particularly Senate Majority Leader Chuck Schumer and House Minority Leader Hakeem Jeffries. Republican Positioning: Republicans, including Donald Trump, Speaker Johnson, JD Vance, Tom Cotton, and John Thune, are portrayed as wanting a “clean funding extension” (a short-term budget measure) to keep the government open. Democratic Hypocrisy: The commentary highlights past Democratic statements opposing shutdowns, contrasting them with current positions to claim inconsistency. Accusations of Radicalism: Democrats are described as pushing a $1.5 trillion spending package that allegedly includes: Free healthcare for undocumented immigrants Funding for gender-affirming surgeries Open borders and Medicaid fraud Other “radical left” priorities Political Motivation: A recurring argument is that Schumer is resisting compromise to protect himself from a potential primary challenge by Rep. Alexandria Ocasio-Cortez. Consequences of Shutdown The episode also notes practical impacts of a shutdown, such as: Federal employees furloughed or unpaid Disruptions for TSA officers, military families, firefighters, veterans, and prison guards Delays in Social Security, SNAP, and WIC benefits Risks to disaster relief and FEMA funding Potential harm to the economy, including billions in costs and possible credit rating downgrades Please Hit Subscribe to this podcast Right Now. Also Please Subscribe to the The Ben Ferguson Show Podcast and Verdict with Ted Cruz Wherever You get You're Podcasts. And don't forget to follow the show on Social Media so you never miss a moment! Thanks for Listening X: https://x.com/benfergusonshowYouTube: https://www.youtube.com/@VerdictwithTedCruzSee omnystudio.com/listener for privacy information.

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 3301: Sean Mullaney explains how early retirees may have hidden safety nets that reduce the risk of running out of money under the 4% rule. From the progressive structure of Social Security benefits to the flexibility of housing choices and even the reality of life expectancy, these backstops can provide confidence and stability in retirement planning. His analysis highlights why early retirees often have more resilience than they might initially believe. Read along with the original article(s) here: https://fitaxguy.com/the-four-backstops-to-the-four-percent-rule/ Quotes to ponder: "An additional year of work for Chuck at a $130,000 salary netted Chuck only $557 more in annual Social Security benefits at full retirement age!" "Real estate can serve as a natural backstop to help ensure retirees have financial security and success." "Failure requires that he has to both run out of assets and live long enough to run out of assets." Episode references: Camp FI: https://campfi.org/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Our guest on the podcast today is Kerry Hannon. Kerry is a senior columnist and on-air expert for Yahoo Finance and writes about retirement, jobs, career transitions, entrepreneurship, leadership, and personal finance. She has written 14 books about retirement, careers, and personal finance and is co-author of a new book, Retirement Bites: A Gen X Guide to Securing Your Financial Future. Kerry is a former columnist and contributor for The New York Times, MarketWatch, Forbes, PBS, and AARP. She graduated from Duke University.BackgroundBioRetirement Bites: A Gen X Guide to Securing Your Financial Future, by Kerry Hannon and Janna Herron401(k)s and the Current Market“401(k) Savers Stayed Strong Through Market Volatility, Fidelity Found,” Video interview with Kerry Hannon, kerryhannon.com, June 15, 2025.“Experts Caution Adding Private Assets Like Crypto to 401(k)s,” Video interview with Kerry Hannon, kerryhannon.com, Aug. 17, 2025.“Retirement Savers Are Eager to Invest in Private Assets, New Survey Finds,” by Kerry Hannon, yahoofinance.com, Aug. 25, 2025.“Robust Returns and Steady Saving Yield Record Number of 401(k) Millionaires,” by Kerry Hannon, yahoofinance.com, Sept. 13, 2025.“401(k) Savers Play It Safe, Even as Demand for Private Assets Surge,” by Kerry Hannon, yahoofinance.com, Sept. 9, 2025.Social Security and Target-Date Funds“An Increasing Number of Americans Are Claiming Social Security Early This Year. What's Up?” Video interview with Kerry Hannon, kerryhannon.com, May 14, 2025.“Some Retirees Will See Bump in Social Security Benefits in April,” Video interview with Kerry Hannon, kerryhannon.com, March 26, 2025.“Social Security Benefits Will Rise 2.5% in 2025,” by Kerry Hannon, yahoofinance.com, Oct. 13, 2024.“How to Build Your Own Target-Date Retirement Fund,” by Kerry Hannon, yahoofinance.com, Feb. 15, 2025.“2025 Target-Date Fund Investment Strategy,” Morningstar.com.“Americans' Retirement Vehicle of Choice Just Topped $4 Trillion,” Video interview with Kerry Hannon, kerryhannon.com, May 21, 2025.Return to Office and Job Changes“More Men Are Returning to the Office. Here's Why That Matters to Women,” by Kerry Hannon, yahoofinance.com, July 20, 2025.“Author: Getting Employees Back to the Office Is at an “Inflection Point,'” by Kerry Hannon, yahoofinance.com, Aug. 24, 2025.“Changing Jobs Can Shake-Up Saving for Retirement. Here's How to Avoid That,” Video interview with Kerry Hannon, kerryhannon.com, May 3, 2025.OtherReality Bites (1994 movie)My Social Security account“Beyond the Status Quo: A Critical Assessment of Lifecycle Investment Advice,” by Scott Cederburg, Aizhan Anarkulova, and Michael S. O'Doherty, papers.ssrn.com, July 10, 2025 (revised).“How Americans View Their Jobs,” by Juliana Menasce Horowitz and Kim Parker, pewresearch.org, March 30, 2023.“Kerry Hannon: Remote Work Trend Benefits Older Workers,” The Long View podcast, Morningstar.com, Oct. 21, 2020.

Today on Your Money, Your Wealth® podcast number 549 with Joe Anderson, CFP® and Big Al Clopine, CPA, a comment on one of our YouTube videos sparks a dialogue between Joe and Big Al on the 4% rule vs. the "guardrails" withdrawal strategy. Joe at the Beach is managing his ~$6M portfolio on his own, but wants the fellas' take on his upper limit for yearly spending, so he can keep drinking his old-fashioneds. Can Joe Ko in Virginia afford to bridge the gap between retiring at 67 and taking Social Security at 70? Plus, "Harold and Maude" have nearly $7M saved. Should they accelerate Roth conversions into high-tax brackets before moving from low-tax Colorado to high-tax California? And how much more than their current annual spend can they afford for family vacations and travel? Free Financial Resources in This Episode:  https://bit.ly/ymyw-549 (full show notes & episode transcript) Withdrawal Strategy Guide Cruising Into Retirement Checklist and Guide (limited time offer, download by this Friday!) How to Cruise Into Your Retirement - YMYW TV Financial Blueprint (self-guided) Financial Assessment (Meet with an experienced professional) REQUEST your Retirement Spitball Analysis DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter   Connect With Us: YouTube: Subscribe and join the conversation in the comments Podcast apps: subscribe or follow YMYW in your favorite Apple Podcasts: leave your honest reviews and ratings   Chapters: 00:00 - Intro: This Week on the YMYW Podcast 00:50 - What About the Guardrails Withdrawal Strategy? (Bill, YouTube) 04:13 - I'm 69 with $5.7 Million Saved. What's the Max I Can Spend in Retirement? (Joe at the Beach) 15:12 - 63 and 58 With $1.85M Saved. How Much Can We Spend from 67 Until Social Security at 70? (Joe Ko, VA) 21:30 - We're 61 and 69 with $7.6 million. Can We Increase Our Retirement Spending? How Should We Do Roth Conversions? (“Harold and Maude”, Durango, CO) 33:49 - Outro: Next Week on the YMYW Podcast

Watch As Double Murder EXPOSED In LIVE News Interview: Shocking TV Confession! In one of the most surreal crime stories in recent memory, Lorenz Kraus walked into a CBS6 newsroom and confessed on camera to killing his elderly parents, hiding their bodies in the backyard, and living off their Social Security checks for seven years. Now, on Hidden Killers Live, we watch that full CBS6 interview and break it down — line by line, word by word. Was it a genuine confession? A performance? A delusion? Or all of the above? Police were originally investigating financial crimes tied to the Kraus family at 6 Crestwood Court in Albany, NY, after a red flag from the Social Security Administration. But when a search warrant was executed, investigators unearthed not bank records — but two corpses in the backyard. This segment includes: The moment Kraus confesses to second-degree murder How this case exploded from welfare fraud to Albany double homicide Questions about mental health, delusional beliefs, and a potential god complex What happens when a confession is made to journalists, not police This is the full breakdown of a case that's part true crime, part psychological thriller, and part bureaucratic failure. Watch with us.

Watch As Double Murder EXPOSED In LIVE News Interview: Shocking TV Confession!” In one of the most surreal crime stories in recent memory, Lorenz Kraus walked into a CBS6 newsroom and confessed on camera to killing his elderly parents, hiding their bodies in the backyard, and living off their Social Security checks for seven years. Now, on Hidden Killers Live, we watch that full CBS6 interview and break it down — line by line, word by word. Was it a genuine confession? A performance? A delusion? Or all of the above? Police were originally investigating financial crimes tied to the Kraus family at 6 Crestwood Court in Albany, NY, after a red flag from the Social Security Administration. But when a search warrant was executed, investigators unearthed not bank records — but two corpses in the backyard. This segment includes: The moment Kraus confesses to second-degree murder How this case exploded from welfare fraud to Albany double homicide Questions about mental health, delusional beliefs, and a potential god complex What happens when a confession is made to journalists, not police This is the full breakdown of a case that's part true crime, part psychological thriller, and part bureaucratic failure. Watch with us.

If you have a 401(k) or an IRA, you may not realize that proxy voting gives you a voice in the companies you own—and it can be a way to live out your faith.As stewards, we're called to reflect our Christian values, even in how our investments influence the marketplace. But what does that look like in practice? Will Lofland joins us today to explain.Will Loftland is the Managing Director of Investments Distribution at GuideStone Funds, an underwriter of Faith & Finance. He also oversees GuideStone's shareholder advocacy strategy and represents the firm as a participant in the Interfaith Center on Corporate Responsibility.What Is Proxy Voting?Proxy voting is the right shareholders have to vote on important issues within the companies they partially own. This could include leadership changes, corporate policies, or shareholder proposals. While many individual investors never think about it, proxy voting represents a significant opportunity to shape corporate behavior.However, if your money is invested in mutual funds or retirement accounts—as is the case for most Americans—you don't vote directly. Instead, the fund company you invest with casts those votes on your behalf. That makes it critical to understand how your fund manager approaches these issues.GuideStone's Approach: A Biblical WorldviewIn 2023, GuideStone made the decision to bring proxy voting in-house. By managing votes internally, GuideStone applies a biblical worldview when exercising shareholder influence. This means promoting policies that align with Scripture while resisting agendas that undermine a Christian ethic.As a shareholder, GuideStone joined a coalition of investors to pressure these banks to change their policies. The result? Both institutions strengthened protections, ensuring that Christian organizations would not be denied access to essential financial services because of their convictions.Why Your Vote MattersDoes proxy voting really make a difference? Absolutely. The world can be transformed through Christian investing, and one way to achieve this is by utilizing all available tools as an investor to promote your Christian worldview.By engaging with faith-based investment firms like GuideStone, believers can ensure their investments not only grow financially but also advance Kingdom values in the marketplace.As Christians, we're called to shine God's light in every area of life—including the boardroom. Proxy voting is one of the practical ways we can do that.To learn more about how GuideStone integrates faith into investment practices, visit GuideStoneFunds.com/Faith.On Today's Program, Rob Answers Listener Questions:Could you explain what an irrevocable trust is and how it works?I'm 64, still working full-time, and I'm wondering: Do my HSA contributions affect my future Social Security benefits? I'm also concerned about how my earnings are being reported.I'd like to know if a Roth IRA is the best investment tool to set my children up for the future.After my mom passed away, my sister and I inherited her house. I'm living in it now, but recently lost my job, and I'm trying to decide if I should buy out my sister's share or sell the property altogether.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)GuideStone FundsBuckner Shoes for Orphan SoulsWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Watch As Double Murder EXPOSED In LIVE News Interview: Shocking TV Confession! In one of the most surreal crime stories in recent memory, Lorenz Kraus walked into a CBS6 newsroom and confessed on camera to killing his elderly parents, hiding their bodies in the backyard, and living off their Social Security checks for seven years. Now, on Hidden Killers Live, we watch that full CBS6 interview and break it down — line by line, word by word. Was it a genuine confession? A performance? A delusion? Or all of the above? Police were originally investigating financial crimes tied to the Kraus family at 6 Crestwood Court in Albany, NY, after a red flag from the Social Security Administration. But when a search warrant was executed, investigators unearthed not bank records — but two corpses in the backyard. This segment includes: The moment Kraus confesses to second-degree murder How this case exploded from welfare fraud to Albany double homicide Questions about mental health, delusional beliefs, and a potential god complex What happens when a confession is made to journalists, not police This is the full breakdown of a case that's part true crime, part psychological thriller, and part bureaucratic failure. Watch with us.

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

Nick Hopwood, Certified Financial Planner and founder of Peak Wealth Management, joins The Steve Gruber Show to guide viewers through smart financial strategies as we enter the final quarter of the year. Hopwood discusses the S&P 500's strong performance, historical trends showing Q4 gains, and why earnings growth matters for investors. He also breaks down how to protect your portfolio from potential government shutdowns and offers insights on making the best Social Security decisions based on income, health, and long-term planning. With Nick, it's all about “No lazy money”, making every financial move count. Visit PeakWM.com/GRUBER to get a free social security analysis! LIMITED OPPORTUNITY!

The Social Security Fairness Act, which was signed into law at the start of 2025, has been in effect for about nine months since this game-changing legislation repealed both the Windfall Elimination Provision and the Government Pension Offset, restoring and increasing Social Security benefits for millions of retirees, especially teachers and public employees who worked in jobs exempt from Social Security. In this episode, I discuss exactly who qualifies for these newly restored benefits, explain how the Social Security Administration is handling the rollout, and give you a step-by-step guide on what to do if you haven't received your payment yet. I'll also walk you through critical tax changes you'll need to consider if you're now receiving this extra income, and practical strategies to avoid any nasty tax surprises at the end of the year.  You will want to hear this episode if you are interested in... [02:26] Social Security Fairness Act overview and impact. [05:57] Who is eligible for Windfall Elimination Provision (WEP) or Government Pension Offset (GPO). [07:35] Applying for your benefits. [08:16] How much Social Security becomes taxable. [11:09] Increasing withholding on pensions, IRA, 401(k), or earned income. What Is the Social Security Fairness Act? Signed into law by President Biden in January 2025, the Social Security Fairness Act has restored benefits for millions of retirees who were previously penalized due to their employment in jobs that were exempt from Social Security taxes. These roles frequently include teachers and certain municipal or state employees. For years, retirees in those positions received a reduced Social Security benefit due to provisions known as the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO). Windfall Elimination Provision (WEP): Affected individuals who worked in both Social Security-covered and non-covered jobs, resulting in a reduced Social Security benefit. Government Pension Offset (GPO): Reduced the spousal or survivor Social Security benefit for those receiving a government pension from non-covered employment (like teachers in Connecticut). With the repeal of these two provisions, retirees are now eligible to receive their full Social Security benefit, as well as the entirety of their eligible spousal or survivor benefits, regardless of their pension amount. Who Is Impacted? The Act primarily benefits retirees who worked in state or municipal jobs excluded from Social Security wage contributions (think teachers, police, firefighters, or other state employees in certain states). It also helps spouses or survivors of such retirees, who, under the GPO, were denied or saw dramatic reductions in their spousal/survivor benefits. As an example, if a teacher in Connecticut was receiving a $3,000/month pension, they were previously eligible for only a fraction of their spouse's Social Security survivor benefit. Now, with the Act's passage, they can receive the full amount, eliminating a significant hardship for many families. The Social Security Administration has processed around 3.1 million payments, exceeding prior estimates, and paid out approximately $17 billion. However, some eligible recipients have yet to see increases, particularly those who never filed because they believed they wouldn't qualify. What Should You Do If You're Eligible? If you haven't received a payment adjustment, you might be missing out on thousands of dollars. File or Re-file: Eligible recipients should visit SSA.gov to update or submit a new application for benefits. Check Your Status: Even if you're not currently receiving Social Security, consult the SSA to determine your eligibility for individual, spousal, or survivor benefits, especially once you reach full retirement age (typically between 66-67). Lots of people have been automatically credited and are receiving retroactive payments, but those who never applied in the first place due to WEP and GPO restrictions must now take proactive steps. Tax Implications of Increased Social Security Benefits More income is always welcome, but it may come with new tax responsibilities. Here's what you need to know: Social Security Taxation Basics: Taxability depends on your total income: adjusted gross income (AGI), plus half of your Social Security benefit, plus tax-exempt interest. Generally, married couples with less than $32,000 combined income owe no tax on Social Security, and between $32,000 and $44,000, up to 50% of benefits may be taxable, then over $44,000, up to 85% of benefits can be taxable. For individuals, the thresholds are $25,000 and $34,000. Avoid Surprises by adjusting your tax withholding, either by filing IRS Form W-4V for Social Security, or updating withholdings on pensions or retirement accounts. You may also make quarterly estimated payments, especially if you live in a state with income tax. Social Security does not withhold state income taxes, so plan accordingly to avoid penalties and interest. With these changes, it's more important than ever to review your retirement plan and tax strategy. Speak to a qualified accountant and financial advisor to ensure you are maximizing your benefits and staying compliant with tax requirements. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  Social Security  Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan

Mike Armstrong and Paul Lane discuss the release of the JOLTS report that showed job openings slightly exceeded forecasts. How government shutdowns affect the US economy. US economy will only get murkier if key data is delayed in shutdown. Rise of 'accidental landlords' is bad news for investors who bet big on rentals. Exxon to cut 2,000 jobs in global restructuring. Gen X is about to face the biggest Social Security decision.

This parent-focused webinar demystifies benefits so you can plan with confidence. Benefits Navigator Marcy LaCroix explains how SSI and SSDI work, why “logic” often feels missing, and how to use work incentives so your teen can try jobs without losing critical supports. You'll hear when and how to apply, what documentation Social Security looks for, and why the age 18 redetermination matters. Marcy clarifies the difference between income limits and asset limits, how living arrangements affect SSI, and when Medicare and Medical Assistance can work alongside employer insurance. She also covers student-friendly supports like the student earned income exclusion, plus paths to keep eligibility if earnings rise. Expect practical guidance on reporting wages, avoiding overpayments, and handling denials and appeals. Throughout, SSB's Transition Coordinator Shane DeSantis underscores that work is possible, help is available, and you're not alone. Parents leave with next steps, trusted resources, and real-world answers.   Links mentioned in the episode: Disability Hub DB101   To find out more about the services provided at State Services for the Blind, and what they can do for you, contact Shane DeSantis at shane.desantis@state.mn.us or call Shane at 651-385-5205.   Full Transcript    Thanks for listening!

In this episode, I tackled some of the most common and pressing questions I've received from listeners, prospective clients, and current clients at Retire Strong Financial Advisors. These questions are all centered around one big theme: preparing for retirement with clarity and confidence. Whether you're wondering about old 401(k)s, required minimum distributions (RMDs), or how to structure your retirement income, we covered a lot of ground. One of the first things I addressed was the new government resource for tracking down forgotten retirement accounts: LostAndFound.dol.gov. If you think you might have an old 401(k) or pension from a previous employer, this secure database can help you locate it. If you're nearing retirement, it's crucial to understand how RMDs work, what your contribution limits are, and whether your plan provider supports the latest updates, such as the changes from the SECURE Act 2.0. Always check with your financial advisor or plan administrator to make sure you're making the most of your options. Social Security questions came up a lot, too. I discuss survivor benefits for ex-spouses, how to correct errors in your earnings record, and what happens if you're working while collecting benefits. If you're past full retirement age and no longer need the income, you can even suspend your benefits to earn delayed retirement credits. And if you inherit an IRA or Roth IRA, you're not stuck with your parents' financial institution, as you can transfer those assets to a custodian of your choice. Finally, I revisited the bucket strategy. This is a framework we use at our firm to help clients organize their retirement savings. Bucket One is your emergency fund, Bucket Two is your income bucket for regular withdrawals, and Bucket Three is your growth bucket for long-term investing.  Matching your account types (Roth, after-tax, and pre-tax) to the right buckets is key. Understanding how much you have in each type of account is the first step. Everyone's situation is different, but the strategy gives you a roadmap to make smarter decisions and build a retirement plan that fits your life. You will want to hear this episode if you are interested in... (00:00) Intro. (03:40) How to find old retirement accounts. (11:40) Common Question on Social Security. (19:30) How to get your money out of life insurance policies. (22:50) How the Bucket system works for you. Helping Those Close to Retirement Navigate their Accounts One major topic I covered was how to track down forgotten retirement accounts like old 401(k)s or pensions, especially if you're unsure whether the funds are still active. I introduced a helpful new tool, LostAndFound.dol.gov, a secure government database created under the SECURE Act 2.0, which allows you to search for lost employer-sponsored retirement plans. I also covered the rules around required minimum distributions (RMDs), which kick in at age 73. If you're still working and contributing to your current employer's 401(k), you may be able to delay those RMDs, but IRAs don't offer that flexibility, and distributions must begin regardless of employment status. On the contribution side, I explained that in 2025, the standard 401(k) limit is $23,500, with an additional $7,500 catch-up for those 50 and older, totaling $31,000. For those aged 60 to 63, a new “super catch-up” provision allows an extra $11,250, though many plan providers haven't yet updated their systems to support it.  Smart Strategies for Navigating Social Security In this episode, we also cover questions that focus on survivor benefits, earnings corrections, working while collecting, and voluntary suspension, all aimed at helping retirees make informed, strategic decisions. Another common issue is incorrect earnings records; since Social Security benefits are based on your top 35 earning years, it's crucial to fix any errors within three years, three months, and 15 days of the year the wages were paid. I also clarified that working while collecting Social Security can actually increase your benefit if those earnings replace lower years in your record. However, if you're under full retirement age and earn more than $23,400, your benefit could be temporarily reduced. Lastly, I explained that if you inherit an IRA and no longer need Social Security income, you can file a voluntary suspension to earn delayed retirement credits and potentially reduce your tax burden.  What is the 3 Bucket Strategy? The 3 Bucket System is a retirement strategy that divides your savings into three categories: emergency fund, income, and growth. Bucket One holds liquid, after-tax money for unexpected expenses like medical bills or home repairs. Bucket Two provides a steady income through withdrawals from retirement accounts, often funded with pre-tax assets like IRAs and 401(k)s. Bucket Three focuses on long-term growth to combat inflation, typically using Roth accounts and investments with higher risk tolerance.  Matching your account types to the right buckets helps create a balanced, tax-efficient retirement plan tailored to your needs. Resources & People Mentioned Retirement Replay: The Bucket Strategy, Ep #72 - RetireStrong Financial Advisors 3 Steps to Retirement Planning Retirement Savings Lost and Found Database | Employee Benefits Security Administration Connect With Gregg Gonzalez Email at: Gregg.gonzalez@lpl.com Podcast: https://RetireStrongFA.com/Podcast Website: https://RetireStrongFA.com/ Follow Gregg on LinkedIn Follow Gregg on Facebook Follow Gregg on YouTube   Subscribe to Retirement Made Easy On Apple Podcasts, Spotify, Google Podcasts

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 3301: Sean Mullaney explains how early retirees may have hidden safety nets that reduce the risk of running out of money under the 4% rule. From the progressive structure of Social Security benefits to the flexibility of housing choices and even the reality of life expectancy, these backstops can provide confidence and stability in retirement planning. His analysis highlights why early retirees often have more resilience than they might initially believe. Read along with the original article(s) here: https://fitaxguy.com/the-four-backstops-to-the-four-percent-rule/ Quotes to ponder: "An additional year of work for Chuck at a $130,000 salary netted Chuck only $557 more in annual Social Security benefits at full retirement age!" "Real estate can serve as a natural backstop to help ensure retirees have financial security and success." "Failure requires that he has to both run out of assets and live long enough to run out of assets." Episode references: Camp FI: https://campfi.org/ Learn more about your ad choices. Visit megaphone.fm/adchoices

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 3300: Sean Mullaney highlights why the Four Percent Rule may not be as rigid as many fear, pointing to natural backstops like flexible spending and Social Security that help safeguard retirement plans. He shows how early retirees often adjust their lifestyles and eventually benefit from guaranteed income streams, making the 4% Rule more resilient than it first appears. Read along with the original article(s) here: https://fitaxguy.com/the-four-backstops-to-the-four-percent-rule/ Quotes to ponder: "Spending in retirement can be adjusted." "There is a natural reduction in energy and interest in certain kinds of spending as one ages." "If her portfolio is struggling to produce the amount Melinda needs to live off of, Social Security payments provide a backstop and can help make up the difference." Episode references: Earn and Invest Podcast: https://earnandinvest.com/ BiggerPockets Money Podcast: https://www.biggerpockets.com/podcasts/money Portfolio Visualizer: https://www.portfoliovisualizer.com/ New Retirement: https://www.newretirement.com/ The Simple Path to Wealth: https://www.amazon.com/Simple-Path-Wealth-financial-independence/dp/1533667926 Learn more about your ad choices. Visit megaphone.fm/adchoices

Could you be letting thousands of dollars slip through your fingers by not understanding the latest tax laws? Renowned tax strategy expert Tyler McBroom is on the 365 Driven podcast to uncover essential tax savings strategies every business owner should know. With the year-end looming, Tyler reveals the significance of proactive tax planning and how leveraging the right tax codes can allow you to reinvest in your business rather than handing over your hard-earned money to the IRS. Tyler breaks down recent tax legislation changes, clarifying deductions that benefit both individuals and business owners. Tyler demystifies the often confusing terrain of tax deductions, like those for overtime and tips, and offers fresh insights into payroll taxes and Social Security. Get acquainted with the $6,000 senior deduction for those over 65 and understand how these shifts can enhance your financial planning, whether you're itemizing or taking the standard deduction. Whether you're a new S-corp owner, a seasoned entrepreneur, or someone managing a side hustle, understanding the tax advantages available to you can lead to significant savings. From the nuances of LLCs and maintaining accurate records with tools like QuickBooks, to maximizing deductions through bonus depreciation and home office claims, this episode is packed with actionable insights. Together, Tyler and Tony stress the importance of scheduling proactive meetings with your accountant, especially as the holiday rush draws near, so you can optimize your tax strategy and ensure your financial decisions are timely and effective. Key highlights: Tax Savings Strategies for Business Owners Tax Deductions Simplified for Individuals Tax Advantages for Business Owners Tax Benefits of Bonus Depreciation Maximizing Home Office Tax Deductions Tax Planning Strategies for Business Owners Connect with Tyler McBroom: Instagram: @tylermcbroom Connect with Tony Whatley: Website: 365driven.com Instagram: @365driven Facebook: 365 Driven

The OBBBA was passed back in July 2025, but now Roth conversions are more confusing for retirees. The new senior deductions might be helpful for some, but for those who were planning to do Roth conversions could have some tough decisions to make.