Podcasts about social security

In Part 2 of A New Contract With America, Professor Nick Giordano delivers a hard-hitting breakdown of two issues Washington refuses to touch. He exposes the truth about Social Security and Medicare insolvency and lays out real conservative solutions that protect every senior while empowering future generations with wealth and independence. He then turns to immigration and dismantles the myths surrounding border security. Professor Giordano explains how to permanently end illegal immigration and build a simplified, merit based legal system that strengthens America instead of weakening it. This episode continues the blueprint for restoring national sovereignty, fiscal responsibility, and the American spirit. Episode Highlights How to save Social Security and Medicare from collapse without cutting benefits for current retirees. The permanent immigration reforms needed to secure the border and build a merit-based legal system that serves America's interests. Why real reform requires courage, truth, and a new vision for American strength and self-reliance.

Deciding when to claim Social Security is one of the most important retirement choices you'll make, but most people approach it the wrong way. They pick an age early, cling to it for years, and assume the “best” decision never changes. In reality, the right claiming strategy shifts as your life shifts: your spouse's benefit, your health, your spending, your tax plan, and even how much joy you're getting out of retirement all matter far more than a hard rule.In this episode, Ari explains why Social Security should never be treated as a one-time, set-it-and-forget-it decision. Through real client stories, a behind-the-scenes look at how Roth conversions, RMDs, and retirement income interact, and a simple framework that fits any household, this conversation reframes the entire question. Sometimes delaying boosts long-term security. Sometimes taking it early frees up your cash flow for meaningful years. And in many cases, the “optimal” age changes as your plan changes.If you've been wondering when to claim Social Security, how it fits into Roth IRA conversions, what it means for your surviving spouse, or how to build a flexible retirement income plan, this episode gives you clarity without the jargon and confidence without the fear.-Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.

Most people focus on saving for retirement, but what happens when you actually get there? Retirement isn't just about having enough money—it's about managing risks that can threaten your financial security and lifestyle.  In this episode, we explore Five Key Retirement Challenges (and Solutions), inspired by a Kiplinger's Personal Finance article by Walt West. From unexpected market downturns to rising healthcare costs, these challenges can catch retirees off guard if they're not prepared. We break down each challenge—financial instability, healthcare expenses, taxes, inflation, and estate planning oversights—and discuss practical strategies to navigate them. Learn how to structure a flexible withdrawal plan, prepare for long-term care costs, use tax-efficient strategies like Roth conversions, and ensure your estate plan protects your loved ones.  Plus, we tackle a listener question about using a MIGA ladder strategy to bridge the gap until Social Security—offering insights into the pros and cons of annuities in a retirement portfolio. If you want to retire with confidence and avoid costly missteps, this episode is a must-listen. Whether you're years away from retirement or already in it, understanding these key challenges and their solutions can help you make smarter financial decisions for the road ahead. Resources & People Mentioned The Retirement Podcast Network Kiplinger's Personal Finance "Five Key Retirement Challenges" by Walt West Fidelity's Healthcare in Retirement Report Connect with Benjamin Brandt Get the Retire-Ready Toolkit: http://retirementstartstodayradio.com Subscribe to the newsletter: https://retirementstartstodayradio.com/newsletter Work with Benjamin: https://retirementstartstoday.com/start Follow Retirement Starts Today in:Apple Podcasts, Spotify, Overcast, Pocket Casts, Amazon Music, or iHeart Get the book!Retirement Starts Today: Your Non-financial Guide to an Even Better Retirement  

Join Lionel as he tackles the critical question: How do we get people to pay attention to what's going on?. We stress that precision matters, drawing a sharp distinction between Islam, a peaceful religion practiced worldwide, and Islamism, a political ideology focused on dominance and replacing secular institutions. Listeners calls spark fiery debates about the merits of capitalism, the nature of socialism (is Social Security a form of it?), and whether welfare is designed to help or hold people down. The discussion escalates into controversial territory, addressing calls for forced sterilization of welfare recipients and establishing minimum IQs for having children, triggering historical warnings against eugenics and the infamous Supreme Court decision Buck against Bell. Plus, a deep dive into the George Floyd controversy, challenging the official cause of death and arguing that evidence supporting reasonable doubt was improperly excluded from the trial. Lionel explores the role of police training, civilian compliance, and the "assumption of risk" involved when resisting arrest. Learn more about your ad choices. Visit megaphone.fm/adchoices

Most retirement advice quietly assumes you have a partner: two incomes, two Social Security checks, someone to split expenses with, someone to catch the slack if something goes wrong. But for singles, the margins are tighter and the freedom can be much greater. Planning alone means every decision carries more weight, but it also means you have full control over the life you want to build.This video centers on Tina, a 62-year-old single woman with roughly $2.2 million across investment accounts, employer stock, a 401(k), and a Roth IRA. Her situation highlights something many single retirees face: the rules for married couples don't apply. There's no second Social Security benefit, no shared expenses, no fallback income — just her plan, her goals, her decisions. Once her “freedom number” becomes clear, the entire plan shifts. Reliable income fills part of the picture, but the rest depends on how her portfolio supports the exact life she wants to live. Simple choices — retiring sooner, traveling more, inviting friends on those trips, or designing a lifestyle that actually reflects what matters — completely change her projections and expand what's possible.The heart of this conversation isn't about budgets or perfect withdrawal rates. It's about giving singles permission to build lives that match their values, not someone else's template. When the numbers align with the life you want, confidence follows naturally.If this perspective helps you rethink how retirement looks when it's just you, tap like and share what resonated. Your retirement doesn't need to look like anyone else's, it just needs to support the version of life that feels right to you.-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!

Send us a textOn this episode, we welcome Lucretia Ryan back to the show! Raised by educators in NYC, Lucretia has a heart for teachers and providing her expertise and free resources.  With recent changes, SS is now on the table for ALL teachers, even if you don't pay into it as an educator. Have you paid into it in the past? Should you get your 40 quarters to get SOMETHING? Lucretia Ryan is the founder of FinancialFreedomforWomen.org. She is a financial writer, educator, and philanthropist. After graduating from Cornell University and spending her career at IBM, Lucretia is now helping women to gain financial independence. Her goal is to simplify complex saving and investment decisions to help women make financial decisions that are in their best interest.Because Lucretia does not accept any fees, commissions, advertising, or donations or sell any financial products, she is able to expose the hidden fees and financial traps and help women avoid being taken in by financial predators. She conducts pro-bono, one-on-one retirement optimization workshops for women so they can understand their retirement options and make educated financial decisions. She teaches “Financial Literacy” and “Medicare: What the Insurance Companies Won't Tell You”. https://www.financialfreedomforwomen.org/

This week's episode of Investing Simplified, hosted by Matt Sudol and Matt Mai of Price Financial Group, focused on the evolving landscape of interest rates, inflation, and their impact on personal finance as we approach the end of the year. The discussion emphasized the importance of reviewing cash holdings, savings rates, and mortgage options amid recent Federal Reserve rate cuts and volatile treasury yields. Matt and Matt explained how short-term interest rates have dropped more significantly than long-term rates, influencing products like money markets and CDs. They also highlighted the necessity of maintaining adequate emergency funds and actively checking the competitiveness of rates offered by banks, especially as mortgage rates and housing prices remain elevated.The show also dedicated time to retirement income planning, breaking down the five main sources: Social Security, pensions, IRA or 401(k) withdrawals, taxable brokerage income, and rental or business income. Strategies for maximizing benefits and making tax-efficient decisions—such as timing Social Security claims and considering qualified charitable distributions for required minimum IRA withdrawals—were discussed. Both Matt Sudol and Matt Mai reminded listeners of the importance of early planning, consulting qualified professionals, and taking advantage of complimentary consultations available.Navigating the world of finance can be overwhelming, especially when biased advice and outdated strategies cloud the path to financial success. That's why Price Financial Group Wealth Management created Investing Simplified — a podcast dedicated to demystifying the complexities of finance and investing. Join our experienced hosts and guest experts as they break down financial concepts into practical, actionable insights. Whether you're a seasoned investor or just getting started, Investing Simplified is your go-to resource for honest advice and proven strategies to help you build a confident financial future. Meet the Hosts: Matt Mai - CIO & Wealth Manager Matt Sudol - COO & Wealth Manager Bo Caldwell - CCO & Wealth Manager Tune in and take charge of your financial journey with clarity and confidence! Schedule A Complimentary Consultation

Jim and Chris discuss listener questions on Social Security family maximum and suspending benefits, a listener PSA on IRMAA premiums, a listener PSA on Medicare premiums, a listener PSA on Social Security claiming strategies, Roth contribution rules, and Roth conversion disadvantages.(4:30) George asks how the combined family maximum benefit works when two retirement records are combined to increase the family limit for auxiliary benefits paid to a spouse and two minor children.(16:00) A listener asks what additional factors should be considered when suspending a Social Security benefit at full retirement age and restarting at 70 after previously claiming early.(30:15) The guys share a PSA in which a listener states that IRMAA is a premium rather than a tax because Medicare enrollment is optional.(37:45) Georgette shares her objections to Chris describing the base Medicare premium as “free” and explains why she feels that is misleading.(44:30) A listener offers a couple of PSAs, first sharing their thoughts on Nokbox, then sharing an article on a Social Security claiming strategy they believe could help people concerned about sequence of returns.(51:00) The guys answer a question about how a 529-to-Roth IRA transfer affects the annual Roth contribution limit when part of the rollover is gains.(56:30) Jim and Chris address what disadvantages exist when choosing a Roth conversion instead of a non-RMD IRA withdrawal when both would be taxable. Show Notes: NokBox Social Security | Readjust your claiming strategy | Fidelity The post Social Security, IRMAA, Medicare, Roth Contribution Rules, Roth Conversions: Q&A #2549 appeared first on The Retirement and IRA Show.

Your client's Medicare Beneficiary Identifier is an important piece of the enrollment application. Discover the multiple ways for a client to locate their MBI and why it's important.   Read the text version  

On this episode of Your Retirement Highway, Matthew Allgeyer and Kyle Jones kick things off with a relatable holiday confession—sometimes, even the best financial plans can get derailed by irresistible stuffing and family feasts. But that's just the beginning! As the conversation shifts gears, our hosts tackle one of the hottest topics on every retiree's mind: how to keep your hard-earned money safe when the market starts acting up.Curious about alternatives to bank CDs and worried about roller-coaster interest rates? Matthew and Kyle pull back the curtain on multi-year guarantee annuities (MYGAs), debunking myths and sharing strategies that could give your portfolio a little extra insulation when uncertainty hits. Whether you're approaching retirement or just want to stash some cash away from Wall Street's wild ride, tune in to find out why a well-timed detour could be the smartest move you make all year.Join Matthew Allgeyer and Kyle Jones as they dive into the crucial issues shaping your retirement. In this episode of Your Retirement Highway, our hosts discuss a key retirement topic, sharing expert advice, actionable strategies, and experiences that matter. From taxes and Social Security to long-term care and market volatility, they cover what you need to know to chart your retirement course with clarity and confidence.

Most retirees want to spend as much as they can without having to worry about running out of money. Morningstar's State of Retirement Income research analyzes retirement spending strategies to determine the highest safe starting withdrawal rate for new retirees in 2026. Christine Benz, Morningstar's director of personal finance and retirement planning and co-host of The Long View podcast, breaks down the research and shares some ideas about how you can boost your retirement spending.What's a Safe Retirement Withdrawal Rate for 2026?On this episode:00:00:00 Welcome00:00:46 Each year, you and your colleagues producethis really comprehensive research about retirement income. And as part of that research, you try toidentify what a safe withdrawal rate will be for the year ahead. 00:01:59 What is that safe withdrawal percentage, and how did you arrive at that conclusion?00:02:41 The 4% rule often comes up in the conversation around retirement spending. How does that compare to your base case?00:03:30 I know there are some misperceptions about your retirement income research and what that safe withdrawal percentage means. What are they? 00:03:28 So, how should retirees use this research?00:04:51 The safe starting withdrawal rate that you found in your base case might feel a little low for some retirees. Are there other strategies that retirees can use to boost their spending?00:07:02 So, flexible strategies are best suited for retirees that are focused on maximizing their spending. 00:08:52 What kind of retiree would benefit from a more rigid strategy, like the fixed inflation-adjusted spending approach that you use in your base case?00:09:26 How does asset allocation come into play? Would a stock-heavy portfolio support a higher withdrawal rate in retirement?00:10:36 So far, we've focused on portfolio income strategies, but you also looked at nonportfolio income sources like annuities and Social Security. What did you find?00:13:34 It seems like there's some more nuance to the suggestion of delaying Social Security. Can you talk about that? 00:14:50 How about annuities? Can you discuss some of the key considerations that income-centric retirees should bear in mind?00:16:07 Studies have found that retirees don't actually spend the same amount over the course of their retirement. What does actual retirement spending tend to look like, and how might that affect a retiree's plans?00:17:59Let's talk about some scenarios that can throw off a retiree's plan. One might be a market downturn early in retirement. What kind of impact could that have on spending? 00:18:56 Another scenario might be retiring earlier than expected. What kind of implications would that have for safe withdrawals?00:20:26 What is one final takeaway from the research that you want retirees to come away with?  Watch more from Morningstar:How ETFs Help You Cut Your Tax BillTax-Loss Harvesting Isn't Just for Downturns. Here's WhyBond ETFs Are Surging in Popularity in 2025. Here Are 5 of the Best Follow Morningstar on social:Facebook https://www.facebook.com/MorningstarInc/X https://x.com/MorningstarIncInstagram https://www.instagram.com/morningstarinc/?hl=enLinkedIn https://www.linkedin.com/company/morningstar/posts/?feedView=all Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Tripp Limehouse discusses the evolving challenges retirees face today, including inflation, healthcare costs, and longevity risk. He emphasizes the importance of proactive planning, understanding spending needs, and the necessity of a solid income strategy to ensure a comfortable retirement. The conversation also covers the significance of social security planning and estate planning essentials, providing listeners with actionable insights to navigate their retirement journey effectively. Visit Limehouse Financial to learn more. Call 800-940-6979See omnystudio.com/listener for privacy information.

AP's Lisa Dwyer reports on plans to cut in person Social Security visits.

On this edition of Ask KT & Suze Anything, Suze answers your questions about when to take Social Security, annuities, retirement accounts at your job and so much more! Watch Suze’s YouTube Channel Jumpstart financial wellness for your employees: https://bit.ly/SecureSave Protect your financial future with the Must Have Docs: https://bit.ly/3Vq1V3GGet your savings going with Alliant Credit Union: https://bit.ly/3rg0YioGet Suze’s special offers for podcast listeners at suzeorman.com/offerJoin Suze’s Women & Money Community for FREE and ASK SUZE your questions which may just end up on the podcast. Download the app by following one of these links: CLICK HERE FOR APPLE: https://apple.co/2KcAHbHCLICK HERE FOR GOOGLE PLAY: https://bit.ly/3curfMISee omnystudio.com/listener for privacy information.

Today's show is WILD. Candace Owens vs TPUSA is spiraling, creators are predicting a full-on disaster, and Tim Pool says this could blow up the GOP.We also break down Frank Turek's rant, Trump roasting Ilhan Omar and calling out Mayor Frey, plus massive failures inside Social Security. Then — FDA “black box” warnings, Mike Lindell running for MN governor, Coleman Hughes explaining the Fuentes strategy, and Bella Hadid complaining about her privilege.SUPPORT OUR SPONSORS TO SUPPORT OUR SHOW!Whatever fall throws at you, make sure you're prepared—visit https://ReadyWise.com and use code CHICKS10 for 10% off your order today!Fill the nutrient gaps in your diet with Bioactive Multi from HealthyCell. Visit https://Healthycell.com/Chicks and use promo code CHICKS to save 20% on your first order.Save 15% off and stay seven times warmer this winter with Heat Holders at https://HeatHolders.com with code CHICKS—plus get free shipping on orders over $25!Nobody wants to deal with being sick during the holidays, get ready now with All Family Pharmacy.  Use promo code CHICKS10 to save 10% off your order at https://AllFamilyPharmacy.com/ChicksSubscribe and stay tuned for new episodes every weekday!Follow us here for more daily clips, updates, and commentary:YoutubeFacebookInstagramTikTokXLocalsMore Info

Join Jim and Greg for the Thursday 3 Martini Lunch as they break down President Trump rolling back Joe Biden's fuel-economy mandates on automakers, a stunning new report on widespread Obamacare fraud, and Gov. Gavin Newsom's push to tax former California residents to plug his state's massive budget deficit.First, they applaud President Trump for scrapping the Biden administration's burdensome fuel-economy standards. The move will likely lower costs and will almost certainly save lives. Jim and Greg unload on Democrats who want to limit our choices on the vehicles we drive and in other areas of life.Next, they groan as a Government Accountability Office (GAO) report shows that the government accepted 100 percent of fraudulent Obamacare exchange applications that the GAO submitted as part of its investigation. In addition, the actual Obamacare fraud happening in the system is costing taxpayers billions of dollars and much of it happens when applicants use the Social Security numbers of dead people.Finally, they laugh as California Gov. Gavin Newsom attempts to fix his state's budget disaster by taxing people who have already moved away. Jim turns to a classic song to underscore how absurd the idea is, and he hopes someone sues the state if lawmakers actually pass the plan.Please visit our great sponsors:Give your liver the support it deserves with Dose Daily.  Save 35% on your first month when you subscribe at https://DoseDaily.co/3ML or enter code 3ML at checkout.  For a limited time, try OneSkin for 15% off with code 3ML at https://OneSkin.co/3ML — please support our show and mention we sent you!New episodes every weekday. 

Stay informed about today's highly-searched retirement and financial planning topics in this new episode of the Retire Sooner Podcast with Wes Moss and Christa DiBiase. Gain clear, accessible context on economic trends, retirement rules, portfolio structures, and planning conversations that are shaping long-term decision-making discussions. • Explore how the proposed 50-year mortgage is influencing conversations around affordability, home-equity timelines, and shifting real estate structures. • Recognize how the K-shaped economy reflects differing financial experiences across households and shapes discussions about consumer sentiment and wealth-building patterns. • Clarify how mortgage leverage and ultra-long terms relate to borrowing structures, payoff timelines, and the considerations homeowners may evaluate. • Understand how equal-weighted investing frameworks are designed to help distribute exposure more evenly across sectors to address concentration awareness. • Review how equal-weighted and sector-weighted ETFs and mutual funds structure market exposure and present alternative allocation methodologies. • Assess the factors often discussed when evaluating early Social Security filing, especially when immediate income needs are already met. • Compare modeled scenarios that illustrate how different 401(k) contribution timelines can affect projected balances under various assumptions. • Examine informational considerations for highly compensated employees, including restoration plan structures, tax mechanics, and withdrawal rules. • Weigh the structural differences between W-2 and 1099 income in high-income medical professions, including taxation, liability frameworks, and benefits access. • Explore available approaches for high earners encountering Roth IRA limits, such as after-tax contributions, mega-backdoor Roth structures, and ETF allocation strategies. • Hear listener questions addressing savings habits, employer-plan options, and retirement-plan mechanics discussed in real-world scenarios. • Identify informational steps that may support ongoing awareness throughout different stages of retirement planning. If you want to stay current on the retirement conversations shaping today's financial landscape, listen and subscribe to the Retire Sooner Podcast. Join Wes Moss, Christa DiBiase, and the Retire Sooner community for grounded, ongoing discussions aimed at helping listeners stay informed and intentional about long-term planning. Learn more about your ad choices. Visit megaphone.fm/adchoices

Hour 3 for 12/4/25 Drew and Deacon Chris Kabat discuss America's looming retirement crisis (1:00). Topics: debt (15:55), Social Security (24:53), raising Social Security (30:22), I pulled my money out of the state pension, and made money! (31:53), adjusting retirement age (36:52), technology (38:50), disability (40:14), should I help my sister? She might be homeless (42:52), and Churches should help (47:43). Link: Retirement Crisis

Double and triple check your enrollment applications for errors! Make sure your applications don't get flagged during the submissions process by following these tips. Read the text version   Register with Ritter & Unlock Digital Tools Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: Announcing IntegrityCONNECT Meet Your Ritter Sales Team IntegrityCONNECT Leads FAQs PlanEnroll – Take Your Business to the Next Level Integrity Sales Technology – Ritter Docs What to Know About SOAs in Medicare Health and Prescription Drug Plan Sales IntegrityCONNECT   References: “Social Security Performance.” Social Security, www.ssa.gov/ssa-performance. Accessed 19 Oct. 2025. “ Title 42 Chapter IV Subchapter B Part 422 Subpart V § 422.2264.” Federal Register, www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-422/subpart-V/section-422.2264. Accessed 19 Oct. 2025. Ruhle, Jessica. “What Do Seniors Do Online? 2025 Data for Marketers.” Creating Results, 26 Mar. 2025, www.creatingresults.com/blog/2025/03/13/what-do-seniors-do-online-2025-data-for-marketers/.   Follow Us on Social!  Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Not affiliated with or endorsed by Medicare or any government agency.

In this episode of the CD Financial Podcast, Chuck D and Marcus C delve into the implications of the new Secure Act 2.0, particularly focusing on catch-up contributions to retirement accounts. They discuss the differences between Roth and traditional contributions, the tax implications of forced Roth contributions, and the concerns that high earners may have regarding their tax bills. The conversation also touches on the challenges of payroll setup for federal employees and the perceived unfairness of the new rules. Additionally, they provide insights into how these changes may affect cash flow and retirement planning, concluding with a health tip emphasizing the importance of resistance training for longevity.TakeawaysCatch-up contributions can be made to Roth or traditional accounts depending on income levels.The Secure Act 2.0 mandates Roth contributions for high earners.Tax implications of Roth contributions can affect take-home pay.Forced Roth contributions may disrupt financial planning for some individuals.Payroll systems may struggle with the implementation of new rules.Many employees feel penalized by the new tax rules.Federal employees need to consider how these changes affect Medicare premiums.Regional variations exist in contribution rules for federal employees.It's crucial to review retirement plans regularly to avoid mistakes.Resistance training is essential for maintaining health as we age.

Tara breaks down the nationwide Democrat fraud schemes, from Minnesota's Shmale scandal

Tara breaks down the nationwide Democrat fraud schemes, from Minnesota's Shmale scandal

Are you living at your best—or simply getting by? For many believers, chronic exhaustion has become a quiet norm. Yet Scripture reminds us that burnout isn't a badge of honor. It's a warning light. When life feels out of balance, it may be a sign we're pushing beyond the limits God lovingly designed for our good.Today, we sat down with Carey Nieuwhof—pastor, bestselling author of At Your Best: How to Get Time, Energy, and Priorities Working in Your Favor, leadership expert, and host of the Carey Nieuwhof Leadership Podcast, as well as the founding pastor of Connexus Church—to talk about how Christians can pursue biblical rest and renewed purpose. Carey's insights come not from theory, but from the deepest valley of personal experience.When Success Masks ExhaustionCarey's story began two decades ago, during a season of explosive ministry growth. His church was thriving, opportunities were multiplying, and by every outward measure, life was “on top.” But amid this success, his inner world was collapsing.After returning from a high-profile speaking event, Carey hit a wall:“It was like I fell off a cliff. I lost motivation, passion, and energy. I met all the symptoms of clinical depression. My body declared a finish line I had refused to acknowledge.”People around him saw the signs. He didn't. And that's often the story behind burnout—others notice the warning lights long before we do.Carey describes burnout as “the gap between what you're capable of and what you're carrying.” Early in ministry, he assumed that increasing responsibility meant increasing hours. It was an unsustainable equation.Yet today, two decades later, he leads a much larger platform with far more influence—without living exhausted. Why? Because he restructured his life around a biblical rhythm of rest, limits, and intentional focus.Managing Energy, Not Just TimeMany Christians feel that better time management will fix their overload. But as Carey points out, time is a fixed asset—everyone gets the same 24 hours. Energy, however, rises and falls.Every person has what Carey calls a “green zone”—a few hours each day when they are at their best mentally, emotionally, and spiritually. For him, it's morning. For others, it might be midday or evening.His challenge is simple: Do what you're best at when you're at your best.When he writes in his green zone, he gets exponential results. When he tries the same work in his “red zone,” productivity crashes. This principle applies to everyone—from CEOs to parents, pastors, and business owners.Stewarding energy also requires boundaries. That means saying no—not out of selfishness, but out of faithfulness.Carey explains:Saying yes to every request eventually forces you to say no to the people who matter most.Delegation is a spiritual discipline.Some opportunities, even good ones, don't align with God's call in a particular season.By categorizing his decisions—like eliminating breakfast meetings that compete with his green zone—Carey reclaimed the margin he had been missing for years.Rest Is Not a Reward—It's DesignFor many Christians, rest feels like something we “earn” after working ourselves to the edge. But biblically, rest is part of our calling.Carey describes Sabbath not just as rehab after exhaustion, but prehab—something that prepares and strengthens us for faithful work. He points to the way elite athletes build rhythms of sleep, diet, and intentional recovery before they step onto the court.Even God modeled this for us—delighting in His creation and resting not from exhaustion but from joyful completeness.For Carey, the principles of rest and margin extend well beyond the calendar.A free Saturday protects family time. A healthy emergency fund protects the home from crisis. Limits are not restrictions—they are blessings that allow us to flourish.Margin creates room to love well, give freely, and listen to God's direction.Living at Your BestCarey's journey from burnout to renewal is a grace-filled reminder: God never asked us to outrun His design.He calls us to work diligently, rest faithfully, and live within the good limits He created for our flourishing. Carey's whole story—and the principles he teaches in his book At Your Best—offer a roadmap for anyone seeking balance, health, and spiritual renewal.For more wisdom from Carey Nieuwhof, explore his book At Your Best and visit the Carey Nieuwhof Leadership Podcast. And if you're an advisor, he'll be joining us at Redeeming Money, our conference for financial professionals, in February.May you learn to live—not at your limit—but at your best, in the freedom and rest God provides.On Today's Program, Rob Answers Listener Questions:Can you explain the pros and cons of taking Social Security at 62 versus waiting until full retirement age? By 62, I'll be mostly debt-free, and since longevity doesn't run in my family, I'm wondering if it makes sense to claim early while my quality of life is higher and still work within the income limits.When should someone update their will? I'm 58, debt-free, still working, and have a solid 401(k). Should I consider setting up a trust, and how do I know when that becomes the wise choice, especially since it costs more?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)At Your Best: How to Get Time, Energy, and Priorities Working in Your Favor by Carey NieuwhofDidn't See It Coming: Overcoming the Seven Greatest Challenges That No One Expects and Everyone Experiences by Carey NieuwhofThe Carey Nieuwhof Leadership PodcastRedeeming Money 2026: A Kingdom Advisors ConferenceWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Leaders in Minneapolis and St. Paul say they are standing with the local Somali community amid reports federal officials are planning a targeted immigration crackdown. The operation would target a few hundred people with final deportation orders. Most Somali residents in Minnesota are U.S. citizens and city leaders raised concerns they could be caught up in a federal operation. Gov. Tim Walz says he's open to a federal probe focused on whether Minnesota funding went to terrorist groups in Somalia. U.S. Treasury Secretary Scott Bessent posted on social media he is launching an investigation to determine whether taxpayer money went to al-Shabaab, after allegations were raised by a conservative think tank.Walz says he's taken action to prevent fraud in state programs after lawmakers gave him broader authority earlier this year. Republicans have criticized Walz over his administration's response to fraud in Medicaid programs.The Trump administration is threatening to cut off federal administrative SNAP funding to Minnesota over the state's refusal to share data about beneficiaries. State leaders have declined to share the names, birth dates, addresses and Social Security numbers of food assistance program participants — and won a court order earlier this year to not share that data. The Trump administration says the information is needed to investigate fraud. The Minnesota Bureau of Criminal Apprehension has identified the police officer in Plymouth who shot and wounded a man after responding a domestic disturbance call last week. Officer Jacob Coopet allegedly confronted and shot a man with a handgun. The man remains in stable condition.

0:00 Wow: Hillary Clinton still blaming TikTok for Israel PR nightmare: Robby Soave | RISING 9:44 Chris Murphy warns Trump accounts may end Social Security as Dells make $6B donation | RISING 18:25 Putin threatens Russia is 'ready for war' with Europe if they want it | RISING 23:28 Sabrina Carpenter flames WH over deportation video using her song: Lindsey Granger | RISING 33:27 Stefanik scores victory after feud with johnson over Russiagate provision | RISING 41:17 Costco sues Trump admin, demands tariff refund if SCOTUS rules them illegal | RISING Learn more about your ad choices. Visit megaphone.fm/adchoices

Rise up, patriots—@intheMatrixxx and @shadygrooove fire up Season 7, Episode 229, "Trump Accounts, Invest in America Act; Tim Walz Under Investigation," breaking down President Trump's game-changing Trump Accounts program that drops $1,000 into an S&P 500-linked investment account for every American newborn starting Independence Day 2026, supercharged by Michael & Susan Dell's massive $6.25 billion gift to fund 25 million more kids—building real generational wealth while making Social Security obsolete. Then they expose the exploding Minnesota fraud scandal where billions in taxpayer dollars allegedly vanished into Somali community schemes under Tim Walz's watch, cheer Kash Patel's FBI takeover (25K violent felons arrested, 35% spike in spy busts, 6K kids rescued, DEI gutted), and call out “doom and gloom” grifters like General Flynn for attacking Trump's winning agenda. Razor-sharp facts, zero emotional manipulation—only the proofs you need to fight back. The truth is learned, never told—the constitution is your weapon. Tune in at noon-0-five Eastern LIVE to stand with Trump! Trump Accounts, Invest in America Act, Trump 2026, Michael Dell donation, Minnesota fraud, Tim Walz investigation, Kash Patel FBI, Somali fraud, America First, generational wealth, DEI purge, General Flynn criticism, MG Show, @intheMatrixxx, @shadygrooove, One Big Beautiful Bill mgshow_s7e229_trump_accounts_invest_america_walz_investigation Tune in weekdays at 12pm ET / 9am PST, hosted by @InTheMatrixxx and @Shadygrooove. Catch up on-demand on https://rumble.com/mgshow or via your favorite podcast platform. Where to Watch & Listen Live on https://rumble.com/mgshow https://mgshow.link/redstate X: https://x.com/inthematrixxx PODCASTS: Available on PodBean, Apple, Pandora, and Amazon Music. Search for "MG Show" to listen. Engage with Us Join the conversation on https://t.me/mgshowchannel and participate in live voice chats at https://t.me/MGShow. Social Follow us on X: @intheMatrixxx https://x.com/inthematrixxx @ShadyGrooove https://x.com/shadygrooove Follow us on YouTube: MG Show (intheMatrixxx) https://youtube.com/c/inthematrixxx ShadyGrooove https://www.youtube.com/c/TruthForFreedom Support the show: Fundraiser: https://givesendgo.com/helpmgshow Donate: https://mg.show/support Merch: https://merch.mg.show MyPillow Special: Use code MGSHOW at https://mypillow.com/mgshow for savings! Wanna send crypto? Bitcoin: bc1qtl2mftxzv8cxnzenmpav6t72a95yudtkq9dsuf Ethereum: 0xA11f0d2A68193cC57FAF9787F6Db1d3c98cf0b4D ADA: addr1q9z3urhje7jp2g85m3d4avfegrxapdhp726qpcf7czekeuayrlwx4lrzcfxzvupnlqqjjfl0rw08z0fmgzdk7z4zzgnqujqzsf XLM: GAWJ55N3QFYPFA2IC6HBEQ3OTGJGDG6OMY6RHP4ZIDFJLQPEUS5RAMO7 LTC: ltc1qapwe55ljayyav8hgg2f9dx2y0dxy73u0tya0pu All Links Find everything on https://linktr.ee/mgshow Intermission Music Lemurian Shores (with Lucentia) (~432 Hz) by Spheriá | https://soundcloud.com/spheriamusic Music promoted by https://www.chosic.com/free-music/all/ Creative Commons CC BY-SA 3.0 https://creativecommons.org/licenses/by-sa/3.0/

Boortz reacts to misleading headlines about Social Security. The media acts like it's Republicans fault, but they ignore the real history of how Democrats replaced the trust fund with IOUs. Boortz explains it all for you.See omnystudio.com/listener for privacy information.

Tune in here to this Tuesday's edition of the Brett Winterble Show! Brett kicks off the program by talking about the miserable weather during his early-morning drive and the reckless drivers he encountered on the way to the station. From there, he pivots into a broader commentary on national security, focusing on the recent incident involving alleged narco-terrorists who were taken down in the Caribbean. He questions the practicality and logic of the Geneva Conventions when dealing with criminals who operate outside traditional warfare, comparing the rules of war to letting a burglar rob a house under specific conditions. Beth Troutman from Good Morning BT is also here for this Tuesday's episode of Crossing the Streams. Brett and Beth talk about the cold, rainy weather, their shared love of soups and chili, and then dive into the major political stories of the day. They discuss the high-profile cabinet meeting with Donald Trump, the massive Dell family donation to the new “Trump accounts,” and what this experiment could mean for the future of Social Security-style investment systems. Beth also weighs in on global tensions, especially Putin’s latest moves and how NATO and the EU may respond. She explains why Europe is increasingly concerned about Russia’s intentions and the broader implications for international stability. Beth also shares what she and the team have coming up tomorrow on Good Morning BT, including cybersecurity tips from expert Teresa Payton, political insight from Professor Scott Huffman Listen here for all of this and more on The Brett Winterble Show! For more from Brett Winterble check out his YouTube channel. See omnystudio.com/listener for privacy information.

Republicans win the special election in Tennessee, but Democrats are still using the election as "momentum" into the midterms. Why? What exactly is the platform of the Democrat party?  President Trump announces latest battle on "affordability", this time with the auto industry. Discussion of the latest announcement on ending regulations and fuel standards on the auto industry to lower new car prices.  As we investigate further into SNAP benefits and potential fraud, we see the connection to why Democrats fight so hard to release information by state, or why we cannot investigate into the Social Security administration. 

Boortz reacts to misleading headlines about Social Security. The media acts like it's Republicans fault, but they ignore the real history of how Democrats replaced the trust fund with IOUs. Boortz explains it all for you.Atlanta's ONLY All Conservative News & Talk Station.: https://www.xtra1063.com/See omnystudio.com/listener for privacy information.

In this conversation with Congressman Josh Brecheen we discuss a range of topics including what progress (if any) we might be seeing on healthcare reform. More government subsidies? Or a massive shift in the entire industry?  Of course, we drill down on SNAP benefits. Brecheen has been vocal about the need for work requirements for a while, and it looks like there is a real opportunity post-government shutdown to make real reform happen.  Then, we dig into the effort to end chemical abortion via greater regualtion of the drug mifepristone.  Find out what Biden did that resulted in a surge of chemical abortions and how we must correct this.  Finally, a look at cattle prices and how to protect our vital cattle industry in America.  Will mandatory country of origin labeling fix it or does it require a strong focus on strict price reduction at the grocery store.  Tune in to hear Congressman Brecheen's take on it!     And check out my amazing sponsors!    Motus Health - This is where my wife and go for a reason!  They offer the best in chiropractic care and true functional medicine.   They are currently helping people who may be suffering with: Neuropathy Frozen shoulder Degenerated & Herniated Discs TMJ & jaw pain Weight Loss Autoimmune Disorders Gut Health Fibromyalgia Headaches & Migraines Trigeminal Neuralgia Knee Pain And more!! https://motushealth.com Michael Mcguire with McGuire Capitol We pride ourselves on providing retirement income strategies to Bethany, OK and the surrounding communities. We take a look at your assets — including everything from your bank accounts, pension, and Social Security benefits, to your estate plans, wills, taxes, insurance policies and more Our end goal is to help create financial clarity and to promote multi-generational wealth. We offer: Insurance planning Beneficiary review Retirement planning Financial needs analysis Analysis of present and future expenses Income planning  https://mcguirecap.com   Stevens Trucking Stevens Trucking maintains over 350 power units in our fleet so we ensure our customers and drivers always have top of the line equipment With over 1,600 trailers, we are able to offer a drop-and-hook solution to keep your freight moving quickly and secure. While also helping our drivers get extra miles so they can keep on pullin' more loads. https://stevenstrucking.com                  

Join Jim and Greg for the Tuesday 3 Martini Lunch as they dig into Republicans pushing solutions to America's cost-of-living problems, Great Britain scrapping jury trials for many criminal cases, and the approaching implosion of Social Security.First, they applaud Montana Sen. Tim Sheehy for highlighting that the cost of living is too high for many Americans, especially in housing, grocieries, and medical care. In his Wall Street Journal op-ed, Sheehy dismisses Democrats' strategy of pouring more money into every problem and instead calls for deregulation, health-care price transparency, and other market-based reforms.Next, they blast the British government for eliminating jury trials for defendants likely to face three years or less in prison if convicted. The excuse is that there is a huge backlog in British courts. Jim and Greg blast the lefties in the UK for this attack on a fundamental part of western justice and point to ways this change could easily be used to punish political opponents of the current government.Finally, they react to stark projections that Social Security could collapse in just eight years without serious reform. Both parties have ignored the problem for decades. The left will eventually want to raise taxes, and no one will want reduced benefits. Jim says Congress missed a good opportunity to help fix this problem twenty years ago. And he points out one other group to blame for the problem getting so bad.Please visit our great sponsors:Give your liver the support it deserves with Dose Daily.  Save 35% on your first month when you subscribe at https://DoseDaily.co/3ML or enter code 3ML at checkout.  For a limited time, try OneSkin for 15% off with code 3ML at https://OneSkin.co/3ML — please support our show and mention we sent you!

December 2, 2025Have you had your dose of The Daily MoJo today? Download our app HERE"Ep 120225: Social Security Bankrupt Again?| The Daily MoJo"Social Security is projected to face insolvency by 2033, highlighting the need for reform to support future retirees. The narrative also discusses the importance of civic engagement in elections and the scrutiny faced by Starbucks over worker treatment. Additionally, a street preacher's legal challenges in Mississippi raise concerns about free speech and government overreach, emphasizing the need to protect individual rights in society.Phil Bell's Morning Update - Here's hoping Tennessee does the RIGHT THING!:  HERERon Phillips Wonky Perspective On Life - Terror Tuesdays with Al-Shabaab: HEREDan Andros - host of The QuickStart Podcast and Managing Editor at CBN.com - Explains the dangerous Free Speech situation in Brandon Mississippi.FaithwireCBN NewsYouTubeOur affiliate partners:Figuring out the odds of a devastating EMP attack on the United States is impossible, but as with any disaster, the chances are NOT ZERO, and could happen any day. This decade has proven that the weird and unexpected is right around the corner. Be prepared - protect your home, vehicle, even your generator - with EMP Shield. You'll save money and protect what's important at the same time!ProtectMyMoJo.com Be prepared! Not scared. Need some Ivermection? Some Hydroxychloroquine? Don't have a doctor who fancies your crazy ideas? We have good news - Dr. Stella Immanuel has teamed up with The Daily MoJo to keep you healthy and happy all year long! Not only can she provide you with those necessary prophylactics, but StellasMoJo.com has plenty of other things to keep you and your body in tip-top shape. Use Promo Code: DailyMoJo to save $$Take care of your body - it's the only one you'll get and it's your temple! We've partnered with Sugar Creek Goods to help you care for yourself in an all-natural way. And in this case, "all natural" doesn't mean it doesn't work! Save 15% on your order with promo code "DailyMojo" at SmellMyMoJo.comCBD is almost everywhere you look these days, so the answer isn't so much where can you get it, it's more about - where can you get the CBD products that actually work!? Certainly, NOT at the gas station! Patriots Relief says it all in the name, and you can save an incredible 40% with the promo code "DailyMojo" at GetMoJoCBD.com!Romika Designs is an awesome American small business that specializes in creating laser-engraved gifts and awards for you, your family, and your employees. Want something special for someone special? Find exactly what you want at MoJoLaserPros.com  There have been a lot of imitators, but there's only OG – American Pride Roasters Coffee. It was first and remains the best roaster of fine coffee beans from around the world. You like coffee? You'll love American Pride – from the heart of the heartland – Des Moines, Iowa. AmericanPrideRoasters.com   Find great deals on American-made products at MoJoMyPillow.com. Mike Lindell – a true patriot in our eyes – puts his money where his mouth (and products) is/are. Find tremendous deals at MoJoMyPillow.com – Promo Code: MoJo50  Life gets messy – sometimes really messy. Be ready for the next mess with survival food and tools from My Patriot Supply. A 25 year shelf life and fantastic variety are just the beginning of the long list of reasons to get your emergency rations at PrepareWithMoJo50.comStay ConnectedWATCH The Daily Mojo LIVE 7-9a CT: www.TheDailyMojo.com Rumble: HEREOr just LISTEN:The Daily MoJo ChannelBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-daily-mojo-with-brad-staggs--3085897/support.

Alan Porter was this week's guest on Success Profiles Radio. He is a retired Blackhawk helicopter instructor pilot with 21 years in the U.S. Army, and discovered his true calling when a life insurance policy saved his family from financial ruin after the tragic passing of his daughter-in-law. He is the CEO of Strategic Wealth Strategies, and leads a powerhouse team of CPAs, tax attorneys, and elite financial professionals dedicated to delivering tax-free retirement solutions and bulletproof financial strategies. We discussed the biggest financial mistakes people make, devastating stories of people who didn't have life insurance or long-term care insurance, the decision of whether or not to take Social Security at age 62, and using tax-free investment vehicles to keep more of what you've earned. In addition, we talked about creating guaranteed lifelong income, becoming our own bank, not wasting money on taxes, and his book Tax Free Retirement Solution. We discussed so much more on the show. You can listen and download it on Apple Podcasts/Tunes, Spotify, Audible, Amazon, iHeart Radio, and at https://toginet.com/shows/successprofilesradio/

Many retirees picture travel as the ultimate reward — the long-awaited trip, the scenic tour, the cruise booked for two. But what happens when you're ready to go and there's no one to go with you? Whether your partner doesn't want to travel, can't retire yet, or you're simply navigating this chapter solo, the dream of seeing the world can quickly feel complicated by logistics, costs, and unspoken worries about safety. But what if it's not? Travel advisor Alyssa joins Matt to explain why the conventional approach to travel often fails solo retirees — and what to do instead. She breaks down the real price of traveling alone, including the often-overlooked “single supplement” fee, and how certain cruise lines and tour groups are finally catering to solo travelers over 50. More than just tips, this conversation reveals how to find confidence, community, and security when you're the only one planning the trip.My website with more Medicare resources, books, courses, and more: https://prepareformedicare.com/?utm_source=youtube&utm_medium=social&utm_campaign=organic_descriptionI recommend my wife's Medicare insurance agency, but there's never any obligation or pressure to work with her team. Here's more information if you're interested: https://brickhouseagency.com/?utm_source=youtube&utm_medium=social&utm_campaign=organic_descriptionThe 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.

Healthcare planning is a huge part of getting ready for your retirement. In this episode, I tackle one of the most pressing updates for retirees: the latest changes to Medicare premiums for 2026, including important surcharges, deductibles, and strategies to help you manage your healthcare expenses.  I'm helping you understand the significant increases in Medicare Part B premiums and deductibles, the impact these changes will have on your Social Security benefits, and why waiting to claim Social Security might pay off. Listen in to get helpful strategies for appealing IRMAA surcharges and practical tips for structuring your income to minimize additional Medicare costs. If you're planning for retirement or already navigating Medicare, this episode is packed with timely advice to help you make informed decisions about your healthcare and finances. You will want to hear this episode if you are interested in... [00:00] 2026 Medicare vs. Social Security. [02:23] Part B Medicare surprise announced. [04:08] Social Security timing and medicare basics. [10:07] Appealing the Medicare IRMAA surcharge. [12:13] Avoid IRMAA by keeping an eye on your retirement income. [14:08] Key Medicare changes for 2026. Medicare Part B Premiums Are Increasing in 2026 The standard monthly premium will jump to $202.90 per individual, a striking 9.7% rise from the 2025 rate of $185. This marks the largest increase since 2022, signaling that healthcare costs for retirees continue to climb at rates surpassing even Social Security's cost of living adjustment, which will be 2.8% for 2026. For retirees collecting Social Security, Part B premiums are automatically deducted from their benefits, while those not yet collecting must pay separately, typically on a quarterly basis. It's possible for individuals with lower Social Security benefits to see the entire annual cost-of-living increase consumed, and even exceeded, by higher Medicare premiums. Understanding Medicare's Two Parts: A and B It's important to understand Medicare's original coverage: Part A and Part B. Part A (Hospital Insurance): Most retirees won't pay a premium for Part A if they (or a spouse) have worked at least 10 years in the U.S. Those with fewer qualifying quarters face monthly premiums of either $311 or $565, depending on how long they've paid in. The Part A deductible will also rise to $1,736 in 2026. Part B (Medical Insurance): Covers preventive care, with the standard premium set at $202.90 and a deductible of $283 for 2026 (about a 10% increase from 2025). IRMAA: Income-Related Monthly Adjustment Amounts & Surcharges Higher-income retirees may be subject to IRMAA, leading to additional surcharges on Part B premiums. This is determined by your modified adjusted gross income (MAGI) from two years prior (2024 for the 2026 premiums). The IRMAA threshold for single filers is $109,000 and $218,000 for joint filers, with surcharges starting at $284.10 per person and escalating through higher brackets, potentially doubling your premium if you cross certain income thresholds. Medicare will send IRMAA notifications, but an appeal process is available. If your income drops due to retirement or other qualifying life events, you can use SSA Form 44 to appeal unwanted surcharges. Reasons might include a work stoppage, divorce, loss of a pension, or the death of a spouse. Strategic Planning for Retirees How can retirees manage these costs and avoid sudden surcharge surprises? Ryan Morrissey  provides practical guidance: Delay Social Security: Waiting until full retirement age or later can mean higher monthly benefits and greater long-term cost-of-living increases. Monitor Your Income: Large IRA withdrawals, significant capital gains, or property sales can raise your MAGI and push you into higher IRMAA brackets. Appeal When Justified: Act quickly if you're eligible for an IRMAA appeal, as processing can take time and surcharges last 12 months before adjusting. Retirees should work closely with financial advisors to manage income distributions and plan for healthcare expenses as part of their broader retirement strategy. With healthcare costs rising faster than Social Security increases, retirees must stay vigilant. Whether you're newly eligible for Medicare or well into your retirement journey, understanding these changes is super important. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  Medicare.gov Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan

Your 60-second money minute. Today's topic: No Social Security Bonus Checks Coming Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Mike Armstrong and Marc Fandetti break down how diversified the S&P 500 really is. OpenAI declares ‘Code Red' as Google threatens AI lead. Washington must break its promise on Social Security. How sticky is US inflation? The end of the slop bowl era.

Stop letting your birthday decide your bond mix.That “age in bonds” rule feels safe, but it can quietly rob you of growth, freedom, and spending power.In this episode, Ari challenges the traditional 60/40 rule and shows how to build a smarter allocation based on your actual life, not your birth year. Using a real client story—a couple with $2 million in a 401(k), $85K in rental income, and $50K in part-time work—we explore how to balance risk, income, and long-term security without falling into the target-date trap.You'll hear:Why age-based rules and target-date funds often miss the markHow to define risk as losing purchasing power, not watching prices moveWhen higher equity can safely support early retirement dreamsHow to use part-time work, rental income, and Social Security to reduce bond dependenceTurning volatility into an advantage with Roth conversions and tax-smart rebalancingThe “five-year war chest” method for withdrawals without panic sellingIt's not about chasing returns, it's about funding freedom. Learn how to design your portfolio around the life you want, not the rule someone made decades ago.If this conversation helped you rethink your allocation, follow the show, share it with a friend, and leave a quick review.Ready to build a plan that aligns your investments, taxes, and cash flow? Visit https://www.rootfinancial.com/start-here/ to start your custom plan today.-Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.

In this episode, Devin and John break down the key tax and retirement planning changes coming in 2026 and what they mean for your income, benefits, and long term strategy. We cover the latest Social Security COLA update, the expected increase to Medicare Part B premiums, and the new Social Security earnings test thresholds. We also walk through the shifting rules around capital gains, the standard deduction, and the return of the SALT cap. For charitable giving, we outline the new above the line deduction, the AGI floor for itemizing, the cap tied to the highest tax rate, and the updated QCD limit of one hundred eleven thousand dollars. If you want to understand how the 2026 landscape could affect your plan, this episode gives you the practical guidance you need. Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms. 

Click here to work with us! Many retirees enter their golden years with the goal of financial security, but what if the biggest risk isn't running out of money—it's not spending enough of it? A surprising new study reveals that retirees are withdrawing just 2% a year from their savings—barely half of what's traditionally considered safe. This cautious approach might seem responsible, but it often leads to unnecessary frugality, missed experiences, and larger-than-expected tax burdens later in life. The hesitation to tap into personal savings, even when there's plenty available, raises an important question: What's stopping retirees from spending with confidence? Research shows that retirees feel much more comfortable spending guaranteed income from sources like Social Security and pensions while being reluctant to withdraw from their own investments. This behavioral tendency can leave money unspent for decades, only to be forced out later through required minimum distributions (RMDs) that create tax inefficiencies. Meanwhile, large inheritances often arrive too late to make a meaningful impact on the next generation. Rethinking the 2% mindset means understanding what keeps retirees locked into ultra-conservative spending habits and finding ways to turn savings into income that feels reliable. A simple shift—such as automating monthly withdrawals or adjusting expectations around financial security—can open the door to a more fulfilling retirement. The money was saved to be spent, and spending it well can be just as important as saving it wisely. Spending too little can be just as costly as spending too much. With the right approach, retirees can enjoy their wealth now while keeping future financial security intact. Resources & People Mentioned The Retirement Podcast Network David Blanchett – Head of Retirement Research at PGIM DC Solutions Michael Finke – The American College of Financial Services Die With Zero by Bill Perkins – Book on intentional retirement spending Connect with Benjamin Brandt Get the Retire-Ready Toolkit: http://retirementstartstodayradio.com Subscribe to the newsletter: https://retirementstartstodayradio.com/newsletter Work with Benjamin: https://retirementstartstoday.com/start Follow Retirement Starts Today in:Apple Podcasts, Spotify, Overcast, Pocket Casts, Amazon Music, or iHeart Get the book!Retirement Starts Today: Your Non-financial Guide to an Even Better Retirement  

In this explosive episode, we dig into the shocking details behind U.S. immigration, federal oversight failures, and security risks: ⚠️ Key Takeaways: Afghan soldiers and CIA-vetted death squads brought to the U.S.

Newt talks with Andrew Biggs, senior fellow at the American Enterprise Institute, about the perceived retirement crisis in the United States, arguing that the U.S. retirement system is performing well compared to other developed countries. He highlights that the typical U.S. senior is among the wealthiest globally. Biggs, who has worked on Social Security reform for over 20 years, notes that while surveys indicate a widespread belief in a retirement crisis, actual retirees report financial stability, with only 4% describing their situation as a crisis. Biggs advocates for a reevaluation of Social Security, proposing a shift from focusing solely on solvency to considering structural reforms that better align with current economic realities. He warns that without reform, the Social Security Trust Fund is projected to run out by 2032, necessitating either significant tax increases or benefit cuts. He suggests that a special commission could facilitate necessary reforms, as the regular political process may be inadequate to address the issue effectively.See omnystudio.com/listener for privacy information.

3/8. Social Security is Driven by the Townsend Plan and the Rise of Father Coughlin — David Pietrusza — Dr. Francis Townsend's proposal to provide $200 monthly to citizens over age 60 compelled a reluctant FDR to rapidly introduce the Social Security legislation. Townsend subsequently aligned with the influential radio priest Father Charles Coughlin and Reverend Gerald L.K. Smith to establish a third-party challenge. Coughlin, having turned bitterly against FDR, met with him at Hyde Park the morning following Huey Long's assassination, a meeting that proved to be their final conference. 1936

7/8. The Campaign: Eleanor's Star Rises as FDR Welcomes Hatred — David Pietrusza — Alf Landon conducted a weak campaign that deteriorated sharply after attacking Social Security, alienating key voter constituencies. Eleanor Roosevelt, initially regarded as a political liability, emerged as a major campaign asset and political star, campaigning intensely for the critical African-American electorate. FDR delivered a powerful class warfare address at Madison Square Garden, dramatically declaring he welcomed the "hatred" of economic royalists, rhetorically embracing conflict with wealthy elites. 1936 NUREMBERG

Think waiting until 70 is the gold standard for Social Security? We dig into the real math behind delayed retirement credits and the hidden trade-offs that rarely make it into the headlines. Drawing on years of planning experience and two vivid case studies, we show how the “bigger check later” can either amplify your lifetime income or quietly drain the resources you need to feel secure.We start with the promise of delayed credits and then zoom out to the full picture: how bridging years are funded, how portfolio withdrawals reduce compounding, and why taxes can swing the outcome. You'll hear about Greg and Michelle, a couple who used low-income years to convert IRAs to Roth, trimmed future RMDs, and paired those moves with higher benefits at 70. Then meet Linda, who spent down her savings to wait for a larger benefit and ended up with a thinner cushion and more anxiety. Along the way, we break down longevity assumptions, the importance of survivor benefits, and the outsized impact of sequence risk when markets fall during your withdrawal window.By the end, you'll have a practical framework to compare claiming ages on an after-tax basis, stress test market downturns, and decide whether you value maximum lifetime income, early-retirement flexibility, or a blend of both. If you've ever wondered whether to file early, wait until full retirement age, or push to 70, this is your roadmap for choosing the path that fits your health, taxes, investments, and lifestyle.-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!

Personal & Family Reflections Opening segment emphasizes gratitude during Thanksgiving, family bonding, and playing games like poker and dominoes. Anecdotes about family traditions and childhood experiences. Political Commentary Muslim Brotherhood Designation: Discussion on Donald Trump’s executive order to designate the Muslim Brotherhood as a terrorist organization. Ted Cruz explains his decade-long effort to push similar legislation and the challenges faced in Congress. Mentions international context: countries like Egypt, Bahrain, UAE, and others have already banned the group. Highlights implications for U.S. national security. Media Criticism Critique of a New York Times article portraying an undocumented immigrant who stole an American’s identity as a victim. The hosts argue this framing ignores the harm to U.S. citizens and call it propaganda. Statistics cited: about 1 million undocumented workers using stolen Social Security numbers. Cultural & Ideological Issues Discussion of a University of Minnesota webpage describing “whiteness” as a pandemic. Hosts criticize DEI (Diversity, Equity, Inclusion) initiatives and anti-racism frameworks as Marxist and anti-family. Broader argument that such ideologies undermine American values and constitutional principles. Please Hit Subscribe to this podcast Right Now. Also Please Subscribe to the 47 Morning Update with Ben Ferguson and The Ben Ferguson Show Podcast Wherever You get You're Podcasts. And don't forget to follow the show on Social Media so you never miss a moment! Thanks for Listening YouTube: https://www.youtube.com/@VerdictwithTedCruz/ Facebook: https://www.facebook.com/verdictwithtedcruz X: https://x.com/tedcruz X: https://x.com/benfergusonshow YouTube: https://www.youtube.com/@VerdictwithTedCruzSee omnystudio.com/listener for privacy information.