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Paul Ferguson, author of the Weatherbys Cheltenham Festival Betting Guide, joins Emmet Kennedy alongside Total Performance Data's Adam Mills for a Cheltenham Festival Handicaps Special presented by 1xBet Ireland. This episode focuses on eight of the most competitive and potentially rewarding races of the week, highlighting the key horses to include in your shortlists, along with several big-priced selections that could make a difference during the Festival. Paul and Adam also put forward their leading bets, including an 8/1 NAP and a 6/1 NAP, as they break down where they see the strongest opportunities across the handicap programme.

The retirement mindset mentor George Jerjian explains how a second chance at life inspires him to help coach people into retirement. When George Jerjian was 52 years old, he was diagnosed with a bone tumor and given six months to live. For three weeks, he believed that was it. Then he was told he belonged to what he calls “the 2% club.” The cancer hadn't spread. He would live. That experience didn't just save his life. It reframed it. “Too often we just drift,” George said. “Even in retirement, we drift.” That word — drift — captures something many retirees feel but rarely articulate. For decades, retirement is the goal. You save. You invest. You plan. You finally reach the day when work stops. But then what? The Retirement Mirage George calls it the “retirement mirage.” Culturally, we've been sold an image: golf, travel, grandchildren, freedom from responsibility. And for a season, those things can be wonderful. But George challenges that assumption directly: “If you retire at 65, you could last till 90 and beyond these days… but what people don't realize is that no matter how much money they've saved, longevity has kind of wrecked the retirement equation.” Retirement used to be short. Now it can last 20, 25, even 30 years. That's not a vacation. That's a life stage. In the Retire Today framework, we talk about SPEND, MAKE, KEEP, INVEST, and LEAVE. But underneath all five steps is identity. Who are you when the title on your business card disappears? George put his experience plainly: “When you retire, who am I now? I'm a nobody. I'm useless.” That identity vacuum is where drifting begins. From Bucket List to Purpose George doesn't dismiss the bucket list. He just reframes it. “Don't delay that. Get on to that. Do the stuff you want to do. Because once you're satiated, you'll start looking for something more meaningful to do.” Travel. Play golf. Visit family. Do the things you've postponed. But don't confuse activity with purpose. Retirement, he argues, is a rite of passage. A hero's journey. He references Joseph Campbell's idea that “the cave you fear to enter holds the treasure you seek.” In other words, the discomfort you avoid may contain the growth you need. That's why one of the first exercises George gives clients is confronting mortality: “On your deathbed, what is it you haven't yet done that you always wanted to do?” It's uncomfortable. But clarity often lives on the other side of discomfort. The D.A.R.E. Method To guide retirees through this transition, George created the D.A.R.E. method: Discover – Understand what retirement truly is (and what it isn't).Assimilate – Learn how your mind works. Shift from a fixed mindset (“I can't do this”) to a growth mindset (“I can't do this yet”).Rewire – Build new habits through repetition. The subconscious mind thrives on stability and patterns.Expand – Step into growth rather than contraction. That last one is particularly interesting. Traditionally, retirement advice has focused on shrinking. Reduce risk. Cut expenses. Preserve capital. Prepare for decline. George pushes back: “With 20 years to go, this is not the time to settle in safe investments… your life has to match your investments.” He isn't dismissing prudent planning. But he is challenging the mindset of slow fade. Retirement, in his view, is not about “drifting into oblivion.” It's about repurposing. Joy vs. Happiness Another distinction George made is between happiness and joy. “Happiness is ephemeral… it comes and goes. But joy is something you can still have even if you're going through challenging times.” Retirement won't remove hardship. Health issues, family stress, and loss still occur. But joy — rooted in gratitude and meaning — can persist. “If you're not thankful, you're not thinking,” he said, connecting gratitude to awareness. Gratitude expands possibility. Resentment contracts it. From Retirement to Repurpose Perhaps the most powerful shift in the conversation came near the end: Move from the retirement mirage → to retirement meaning → to retirement repurpose. Financial planning gives you options. But mindset determines whether you use them well. You can save diligently and still drift. Or you can treat retirement as what it truly is: not an ending, but a new beginning. And that beginning requires courage. Because if you don't choose who you'll become in retirement, drift may choose for you. Don't forget to leave a rating for the “Retire Today” podcast if you've been enjoying these episodes! Subscribe to Retire Today to get new episodes every Wednesday. Apple Podcasts: https://podcasts.apple.com/us/podcast/retire-today/id1488769337  Spotify Podcasts: https://bit.ly/RetireTodaySpotify About the Author: Jeremy Keil, CFP®, CFA is a retirement financial advisor with Keil Financial Partners, author of Retire Today: Create Your Retirement Income Plan in 5 Simple Steps, and host of the Retirement Today blog and podcast, as well as the Mr. Retirement YouTube channel. Jeremy is a contributor to Kiplinger and is frequently cited in publications like the Wall Street Journal and New York Times. Additional Links: Buy Jeremy's book – Retire Today: Create Your Retirement Master Plan in 5 Simple Steps GeorgeJerjian.com George Jerjian on LinkedIn George Jerjian on FacebookGeorge Jerjian on Instagram George Jerjian on Twitter/X George Jerjian on YouTube Books by George Jerjian Connect With Jeremy Keil: Keil Financial Partners LinkedIn: Jeremy Keil Facebook: Jeremy Keil LinkedIn: Keil Financial Partners YouTube: Mr. Retirement Book an Intro Call with Jeremy's Team Media Disclosures: Disclosures This media is provided for informational and educational purposes only and does not consider the investment objectives, financial situation, or particular needs of any consumer. Nothing in this program should be construed as investment, legal, or tax advice, nor as a recommendation to buy, sell, or hold any security or to adopt any investment strategy. The views and opinions expressed are those of the host and any guest, current as of the date of recording, and may change without notice as market, political or economic conditions evolve. All investments involve risk, including the possible loss of principal. Past performance is no guarantee of future results. Legal & Tax Disclosure Consumers should consult their own qualified attorney, CPA, or other professional advisor regarding their specific legal and tax situations. Advisor Disclosures Alongside, LLC, doing business as Keil Financial Partners, is an SEC-registered investment adviser. Registration does not imply a certain level of skill or expertise. Advisory services are delivered through the Alongside, LLC platform. Keil Financial Partners is independent, not owned or operated by Alongside, LLC. Additional information about Alongside, LLC – including its services, fees and any material conflicts of interest – can be found at https://adviserinfo.sec.gov/firm/summary/333587 or by requesting Form ADV Part 2A. The content of this media should not be reproduced or redistributed without the firm’s written consent. Any trademarks or service marks mentioned belong to their respective owners and are used for identification purposes only. Additional Important Disclosures

One of the best jockeys of his generation and a multiple Grade 1 winner, Aidan Coleman joins Emmet Kennedy and Adam Mills to preview the key novice races at the 2026 Cheltenham Festival. The focus begins with a highly competitive running of the Arkle Novice Chase, where Lulamba, Kopek Des Bordes, Romeo Coolio, Kargese, Irish Panther and Steel Ally are set to clash. Aidan reveals the horse he would most like to ride and gives his insight into how the race may unfold. Attention then turns to the Brown Advisory Novices' Chase, with a strong field including Final Demand, Kaid d'Authie, The Big Westerner, Wendigo, Western Fold, Kitzbuhel, Oscars Brother and Sixmilebridge. The team assess the leading contenders and put forward a 16/1 betting angle in the 3m1f contest. The discussion then shifts to the novice hurdlers, with leading contenders Old Park Star, Mighty Park, El Cairos, Mydaddypaddy, Idaho Sun and Sober Glory analysed in detail, before a deep dive into the Turners Novice Hurdle featuring No Drama This End, Skylight Hustle, Talk The Talk, Act Of Innocence and others.

E & T are back this week to talk about Bad Bunny's Super Bowl performance and the wave of people boycotting the broadcast for Turning Point USA, the history and cultural significance behind his halftime show. Plus a lighter take on auditioning for the Magic Mike MC, practical advice for handling pressure in your 30s, and why asking about someone's relationship has become the new small talk. The end of the episode features a Patreon Preview.Join the Patreon to support the show and get extra & ad free episodes here OR on Apple & Spotify Podcasts:⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.patreon.com/twostandupgals⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Watch episodes on our YouTube Channel Here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/@TwoStandUpGalsPodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Submit your questions here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Twostandupgals@gmail.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TRIP LOADING...BANFF Canada! Fill out this form if you're interested in a long weekend trip to Banff: ⁠⁠https://forms.gle/hzVvk8jn33wwYqiS8⁠⁠ E & T GREECE TRIP! Crete, Greece (June 5th-11th, 2026) 1 Spot Left ***Deadline to join is March 15th: Itinerary & Sign up Here ⁠⁠https://cretegreecewithericaandteresa.my.canva.site/⁠⁠ ⁠⁠⁠⁠⁠Erica's ITALY TRIP! Oct 9th – Oct 17th, 2026 Venice, Florence, & Rome, ($75 discount until end of February) Itinerary & sign ups here: ⁠⁠https://groups.goaheadtours.com/tours/erica-spera-vfsg2026⁠⁠Not interested in these? Take our Travel Survey here to help us decide out next destination: ⁠⁠https://forms.gle/mYY5Ss7szCowAj2u8⁠See Erica & Teresa perform LIVE:RIDGEWOOD NJ - March 12th @ The Park West Loft. Call for Tickets: 201-445-3404SAG HARBOR, NY - March 14th @ Bay St. Theater: Tickets HerePOINT PLEASANT BEACH NJ - April 11th @ Uncle Vinnies: Tickets HereBEACON, NY - April 24th & 25th @ Savage Wonder: Tickets Here

Super Saturday is upon us, as six countries choose their songs for Eurovision. One of them is Norway, is ready to razzle-dazzle us with all things Melodi Grand Prix. Michael is joined by special guest, Lou, to navigate through the nine songs in contention and decide if the new Tarjei Strøm era of MGP is going to amaze us. You can enjoy MGP from the comfort of your lounge room, by tuning in to NRK TV on Saturday 28 February at 7:45pm if you’re in Europe, or on Sunday 1 March at 5:45am if you’re in Melbourne. In this episode: Find out who has a urinal named in their honour Meet the little sister of some Euro-famous siblings Cheer for the Aussie, who’s back to tell his story Get involved Follow JOYEurovision across Facebook, Instagram, Threads, TikTok, Bluesky and X at linktr.ee/joy_eurovision Not in Australia? Grab this podcast via Spotify Podcasts. Playlist Skrellex – Into the Wild Hedda Mae – Snap Back STORM – Lullaby Mileo – Frankenstein Silke – Forevermore Alexander Rybak – Rise emma – Northern Lights Leonardo Amor – Prayer JONAS LOVV – Ya Ya Ya The post Shining bright: Previewing Norway’s Melodi Grand Prix 2026 appeared first on JOY Eurovision.

One of the sharpest minds in horse racing betting, Gavin Lynch joins Emmet Kennedy for a Final Furlong Podcast special, recored live at Punchestown racecourse, with his complete cheatsheet for the 2026 Cheltenham Festival, presented by 1xBet Ireland. In under an hour, Gavin breaks down every major race across all four days, sharing his shortlists, key contenders, and betting angles for the week ahead. Alongside the race-by-race analysis, Gavin explains how to approach Cheltenham from a betting perspective, including how to handle handicaps, manage volume across the week, and identify where the value lies in the current markets. BETTING ANGLES: Gavin also shares a Trixie and Lucky 63, built around runners in: Princess Royal National Hunt Challenge Cup Novices' Handicap Chase Jack Richards Novices' Limited Handicap Chase (Grade 2) Pertemps Network Final Handicap Hurdle Glenfarclas Cross Country Chase JCB Triumph Hurdle (Grade 1) Featuring selections priced at 9/1, 8/1, 7/1, 6/1, 11/2, and 10/3, combining to a potential return of 115,341/1.

Hello, beautiful souls!This guided meditation came through in connection with Kuan Yin as a living embodiment of Divine Mother frequency and the original Cosmic Womb. As we moved into heart-mind coherence, I felt her presence as both infinitely compassionate and incredibly precise, guiding us back to the still point where the heart and mind become unified through love.This meditation is designed to soften the mental field, regulate the nervous system, and bring the heart into harmonic resonance with higher wisdom. Through breath, awareness, and gentle light transmissions woven throughout, we reconnect to the origin point within the Cosmic Womb, the place of pure potential, remembrance, and unconditional compassion.Thank you for sitting in this field of Divine Mother presence and for anchoring heart-mind unity on the planet through your own embodiment.With love,JJMusic: State of Meditation by Elm Lake via Epidemic SoundAll vocals are my own, produced by human voice.Multidimensional Messages for Healing and Higher Consciousness#lightlanguage #1111 #energyupdate #energyhealing #healer #lightworker #spiritualawakening #higherconsciousness #lightcodes #starseed ⁠Make sure you are on JJ's email list to receive latest updates and offerings! Sign up here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://linktr.ee/activationswithjj⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

The Final Furlong Podcast Weekend Betting Guide is back, and the team are coming in hot after tipping eight winners last weekend. Emmet Kennedy is joined by Andy Newton, George Gorman and Peter Michael to break down Saturday's ITV Racing from Kelso, Doncaster and Newbury, with strong NAPs, confident opinions and big-price angles across the card. If you're betting this weekend, this is your full race-by-race guide.

Nicky Henderson has ruled Constitution Hill out of the Champion Hurdle — effectively bringing his jumps career to a close. On this episode of The Final Furlong Podcast, Emmet Kennedy, Adam Mills and Jaime Wrenn react to the bombshell announcement.

Jeremy Keil explains the 5 RMD (Required Minimum Distribution) mistakes in Retirement and how to avoid them. A retiree recently called for help. It was their first year taking Required Minimum Distributions. They had delayed their first RMD until April of the following year — which meant taking two distributions in one tax year. That part was allowed. In some cases, it can even be strategic. But when they called their IRA custodian and asked, “How much should I withhold for taxes?” they were given the default answer: 10% federal withholding. They assumed that must be right. It wasn't. They ended up short on taxes by more than $10,000 — and owed penalties on top of that. That situation wasn't caused by breaking a rule. It was caused by following the rule without a plan. And that's where most RMD mistakes begin. I recently wrote an article for Kiplinger magazine titled “5 RMD Mistakes That Could Cost You Big-Time: Even Seasoned Retirees Slip Up” and for this week's episode of the “Retire Today” podcast I decided to talk through each of these mistakes in detail. Mistake #1: Waiting Until Age 73 to Create a Plan Turning 73 is not a strategy. If you wait until the government forces your first RMD to think about it, you've already missed years of opportunity. The window between retirement and RMD age is often the most flexible tax-planning period of your life. In those years, you may have: Lower earned income No required withdrawals yet Control over when and how you take distributions That's prime territory for intentional tax planning. Once RMDs begin, you've lost some flexibility. In the KEEP step of the Retirement Master Plan, tax timing matters. RMDs don't happen in isolation. They interact with Social Security, pensions, and brokerage income. Planning ahead—sometimes a decade ahead—can dramatically change the long-term outcome. Mistake #2: Failing to Make Use of Qualified Charitable Distributions (QCDs) This one surprises me every year. RMDs currently begin at age 73 (moving to 75 for those born in 1960 or later). But Qualified Charitable Distributions still start at 70½. That means you can send money directly from your IRA to a charity before RMDs even begin. Why does that matter? Because a QCD: Reduces your IRA balance (lowering future RMDs) Keeps the distribution out of your taxable income May help limit Social Security taxation May help reduce Medicare premium surcharges Many retirees continue writing checks to charities from their checking account, hoping for a deduction. With today's larger standard deduction, many people don't itemize at all. Going directly from IRA to charity is often more tax-efficient—and sometimes dramatically so. If charitable giving is already part of your plan, the tax strategy should be part of it too. Mistake #3: Doing the Wrong Tax Withholding When retirees call their custodian to take their RMD, they're often asked: “How much would you like withheld for taxes?” The default federal withholding is often 10% for IRAs and 20% for 401(k)s. Many people assume, “That must be right.” It often isn't. I recently saw a retiree who delayed their first RMD until April of the following year—which meant taking two distributions in one year. They defaulted to 10% withholding. They ended up underpaying taxes by more than $10,000 and owed penalties. The custodian can't provide tax planning. That's not their role. Before taking an RMD, you need to project: What tax bracket you'll land in Whether additional withholding is necessary How this affects your overall estimated payments Again, this falls under the KEEP step. Don't let the default settings dictate your tax bill. Mistake #4: Not Realizing How Your RMD Income Affects the Rest of Your Tax Return RMDs don't just increase taxable income. They can: Make more of your Social Security taxable Push capital gains from 0% into taxable territory Trigger Medicare IRMAA surcharges Many retirees focus only on their marginal bracket. But the real issue is tax cost, not tax bracket. An extra $20,000 RMD might not just be taxed at 22%. It could cascade into additional taxation elsewhere. That's why projections matter. You don't want to discover these ripple effects after the fact. Mistake #5: Forgetting That the M in RMD means ‘Minimum,' not ‘Maximum' The M in RMD stands for minimum. It does not mean that's the only amount you're allowed to withdraw. You can: Withdraw more than your RMD Complete Roth conversions after satisfying the RMD Send more than your RMD amount to charity (subject to QCD limits) Sometimes taking more than the minimum makes sense—especially if it smooths taxes over multiple years. RMDs are a rule. They are not a retirement strategy. The Bigger Lesson RMDs are not just a government requirement. They are a planning opportunity—or a planning hazard. They affect your income plan (MAKE), your spending plan (SPEND), your tax strategy (KEEP), and even what you ultimately LEAVE behind. The biggest mistake isn't misunderstanding a rule. It's treating RMDs as an isolated event instead of part of a coordinated retirement master plan. Because in retirement, small tax decisions compound just like investment returns may do. And when handled intentionally, RMDs don't have to derail anything at all. Don't forget to leave a rating for the “Retire Today” podcast if you've been enjoying these episodes! Subscribe to Retire Today to get new episodes every Wednesday. Apple Podcasts: https://podcasts.apple.com/us/podcast/retire-today/id1488769337  Spotify Podcasts: https://bit.ly/RetireTodaySpotify About the Author: Jeremy Keil, CFP®, CFA is a retirement financial advisor with Keil Financial Partners, author of Retire Today: Create Your Retirement Income Plan in 5 Simple Steps, and host of the Retirement Today blog and podcast, as well as the Mr. Retirement YouTube channel. Jeremy is a contributor to Kiplinger and is frequently cited in publications like the Wall Street Journal and New York Times. Additional Links: – Buy Jeremy's book – Retire Today: Create Your Retirement Master Plan in 5 Simple Steps – “5 RMD Mistakes That Could Cost You Big-Time: Even Seasoned Retirees Slip Up” by Jeremy Keil, Kiplinger Magazine – https://www.kiplinger.com/retirement/required-minimum-distributions-rmds/rmd-mistakes-that-even-seasoned-retirees-can-make – Create Your Retirement Master Plan in 5 Simple Steps – 5StepRetirementPlan.com  Connect With Jeremy Keil: Keil Financial Partners LinkedIn: Jeremy Keil Facebook: Jeremy Keil LinkedIn: Keil Financial Partners YouTube: Mr. Retirement Book an Intro Call with Jeremy's Team Media Disclosures: Disclosures This media is provided for informational and educational purposes only and does not consider the investment objectives, financial situation, or particular needs of any consumer. Nothing in this program should be construed as investment, legal, or tax advice, nor as a recommendation to buy, sell, or hold any security or to adopt any investment strategy. The views and opinions expressed are those of the host and any guest, current as of the date of recording, and may change without notice as market, political or economic conditions evolve. All investments involve risk, including the possible loss of principal. Past performance is no guarantee of future results. Legal & Tax Disclosure Consumers should consult their own qualified attorney, CPA, or other professional advisor regarding their specific legal and tax situations. Advisor Disclosures Alongside, LLC, doing business as Keil Financial Partners, is an SEC-registered investment adviser. Registration does not imply a certain level of skill or expertise. Advisory services are delivered through the Alongside, LLC platform. Keil Financial Partners is independent, not owned or operated by Alongside, LLC. Additional information about Alongside, LLC – including its services, fees and any material conflicts of interest – can be found at https://adviserinfo.sec.gov/firm/summary/333587 or by requesting Form ADV Part 2A. The content of this media should not be reproduced or redistributed without the firm’s written consent. Any trademarks or service marks mentioned belong to their respective owners and are used for identification purposes only. Additional Important Disclosures

The second Yes/No Gameshow of the 2026 Cheltenham Festival season is here with the attention Switched to the Mares races. Emmet Kennedy is joined by Adam Mills, Lizzie Kelly, Jaime Wrenn and Barry Doyle to take on the ante-post market leaders with 1xBet Ireland — with the favourite for both races facing the same question: YES… or NO? Each panellist votes. No fence-sitting. Then they justify it. This is where conviction meets pressure.If you're betting Cheltenham ante-post, this episode forces you to take a stance.

Cheltenham Festival preparation is already underway — and the stable tours are starting to shape the narrative. On this episode of The Final Furlong Podcast, Emmet Kennedy is joined by TalkSPORT's senior racing commentator Rupert Bell, fresh from visiting the yards of Ben Pauling, Gordon Elliott and Willie Mullins. This is insight straight from the source — what trainers are saying, how horses are moving, and which names are being quietly talked up ahead of March.

“My proudest accomplishment is forgiving myself” ~ Gunplay Gunplay joins Skipping Class presented by The Progress Report for one of his most honest and revealing interviews to date. In this powerful conversation with host Lalaa Shepard, Gunplay opens up about the legal battle that changed his life, facing up to 15 years in prison, and spending over $250,000 fighting his case against his ex-wife. He speaks on clearing his name, overcoming public misconceptions, and the emotional toll the situation took on him mentally, financially, and spiritually. Gunplay also addresses the viral controversy surrounding his daughter's GoFundMe and the accusations that he used the money to buy Rick Ross a chain. He explains his side of the story, his loyalty to Rick Ross, and their relationship today. The MMG artist reflects on his personal transformation, including stepping away from Santeria after 13 years, experiencing spiritual warfare, and turning to God for healing and guidance. He shares why cutting his locs symbolized a new chapter in his life and why forgiveness — especially forgiving himself — is his proudest accomplishment. Gunplay also discusses rebuilding his career, releasing new music, navigating life after legal struggles, his upcoming projects, and the importance of growth, accountability, and faith. This is a raw and honest look into Gunplay's journey, redemption, and the next phase of his life and career. Interview by Lalaa Shepard Skipping Class presented by The Progress Report Subscribe to The Progress Report for more exclusive interviews, artist stories, and hip-hop culture. Instagram:  https://www.instagram.com/notgunplayagain/  https://www.instagram.com/lalaashep/  https://www.instagram.com/theprogressreport101/  https://www.instagram.com/tprmediagroup1/  Website: https://TPRMediaGroup.com  Listen to us on Apple Podcasts https://podcasts.apple.com/us/podcast/the-progress-report-podcast/id1494070183  Listen to us on Spotify Podcasts https://open.spotify.com/show/5sBgF6wWa7NmHraP2QuBEv?si=a0f5f19b8a494fb5 Learn more about your ad choices. Visit megaphone.fm/adchoices

It’s a national final that we’ve become big fans of and yet again, Finland isn’t here to disappoint. Uuden Musiikin Kilpailu is back for another year and we’re ready to work out who will be following in Erika Vikman’s saucy footsteps in Vienna. Michael is joined by Ethan, a voice who would be familiar if you’re a fan of the Eurovision Top 100, to dive into UMK. While there are seven big songs, there are two currently in contention. Do you agree? Plus, hear the latest banger (and first English language song) from one of our 2025 favourites – Erika Vikman. You can enjoy UMK (and Erika’s new song) at 8pm CET on Saturday 28 February (or the polite time of 6am on Sunday 1 March if you’re in Melbourne) via Yle Areena. You might even want to switch over to the English commentary! In this episode: Hear Michael go gutter(al) Wonder if the dentist will make an appearance Work out when you’ll schedule your toilet break Get involved Follow JOYEurovision across Facebook, Instagram, Threads, TikTok, Bluesky and X at linktr.ee/joy_eurovision Not in Australia? Grab this podcast via Spotify Podcasts. Playlist Erika Vikman – FATHER (I Will Never Confess) Komiat – Lululai Etta – Million Dollar Smile KIKI – Rakkaudenkipee [The pain of love] Antti Paalanen – Takatukka [Mullet] CHACHI – Cherry Cake Sinikka Monte – Ready To Leave Linda Lampenius & Pete Parkkonen – Liekinheitin [Flamethrower] The post Who’s coming next?: Previewing Finland’s UMK 2026 appeared first on JOY Eurovision.

“God tore me down to build me up” ~ Trendsetter Sense  Trendsetter Sense joins Lalaa Shepard on a brand new episode of Skipping Class, presented by The Progress Report, to reflect on his journey through the legendary mixtape era, his close relationship with DJ Drama and Don Cannon, and how faith ultimately led him into Gospel Hip Hop.  During the conversation, Trendsetter Sense opens up about forming The Aphilliates alongside DJ Drama and Don Cannon, becoming a DJ at just 17 years old while attending Clark Atlanta University, and building his name during one of the most influential eras in hip hop history.  He also speaks on working alongside artists like Young Dro, collaborating with Zaytoven and 1K Phew on his new single “LORD JESUS,” and making history performing Gospel Hip Hop at Rolling Loud. Trendsetter Sense shares personal stories about his upbringing in Philadelphia, his transition to Atlanta, and the life lessons that shaped both his career and spiritual growth.  This episode offers powerful insight into longevity, purpose, faith, and what it truly means to evolve while staying true to your calling.  Skipping Class is presented by The Progress Report and hosted by Lalaa Shepard.  Instagram:  https://www.instagram.com/trendsettersense/  https://www.instagram.com/lalaashep/  https://www.instagram.com/theprogressreport101/  https://www.instagram.com/tprmediagroup1/  Website: https://TPRMediaGroup.com  Listen to us on Apple Podcasts https://podcasts.apple.com/us/podcast/the-progress-report-podcast/id1494070183  Listen to us on Spotify Podcasts https://open.spotify.com/show/5sBgF6wWa7NmHraP2QuBEv?si=a0f5f19b8a494fb5 Learn more about your ad choices. Visit megaphone.fm/adchoices

The Final Furlong Podcast Weekend Betting Guide is back. After landing five winners last Saturday and hitting 33/1, 11/4, 5/2, 9/4 and 5/6 in our Punchestown special, Emmet Kennedy is joined by Andy Newton, George Gorman and Peter Michael to break down Saturday's ITV Racing card with strong opinions, confident NAPs and big-price angles across Kempton, Lingfield, Newcastle and Fairyhouse. This is a deep dive into the races that matter — with clear betting positions and prices that stand out.

E & T are back this week talking about the GRAMMYs, a major bachelorette dilemma, and getting back on dating apps. The end of the episode features a Patreon Preview.Join the Patreon to support the show and get extra & ad free episodes here OR on Apple & Spotify Podcasts:⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.patreon.com/twostandupgals⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Watch episodes on our YouTube Channel Here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/@TwoStandUpGalsPodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Submit your questions here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Twostandupgals@gmail.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TRIP LOADING...BANFF Canada! Fill out this form if you're interested in a long weekend trip to Banff: ⁠https://forms.gle/hzVvk8jn33wwYqiS8⁠ E & T GREECE TRIP! Crete, Greece (June 5th-11th, 2026) 2 Spots Left ***Deadline to join is March 15th: Itinerary & Sign up Here ⁠https://cretegreecewithericaandteresa.my.canva.site/⁠ ⁠⁠⁠Erica's ITALY TRIP! Oct 9th – Oct 17th, 2026 Venice, Florence, & Rome, ($75 discount until end of January) Itinerary & sign ups here: ⁠https://groups.goaheadtours.com/tours/erica-spera-vfsg2026⁠Not interested in these? Take our Travel Survey here to help us decide out next destination: ⁠https://forms.gle/mYY5Ss7szCowAj2u8

Nate Miles joins Jeremy Keil to discuss how the Allspring retirement research reveals trends of concern among retirees and the options they have to address them. Mike and Susan did what many couples do. They saved diligently. They crossed the $1 million mark before retirement. They felt prepared. But when it came time to make actual retirement decisions—when to claim Social Security, how to withdraw from their accounts, how to manage taxes—they realized something uncomfortable: They had spent decades saving… but very little time learning how to retire. This example speaks directly to what this year's Allspring Retirement Study uncovered. As Nate Miles shared on the “Retire Today” podcast, this wasn't a small or struggling population. Participants were 50+ with at least $200,000 in investable assets. A third of retirees surveyed had $1 million or more. Yet only six out of ten retirees said they feel financially secure. That gap between assets and confidence tells us something important: retirement success isn't just about how much you've accumulated. It's about how well you transition into distribution. The Social Security Mistake One of the most striking findings involved Social Security. Nate explained: “One third of our respondents claimed Social Security at 62 years old… because they believed the value or the benefit of waiting was not worth it. Yet they underestimated the value of waiting by 50%.” Many respondents assumed the benefit grew at 4% per year when delayed. In reality, for most people, it grows closer to 8% annually between full retirement age and 70. That misunderstanding alone can permanently reduce lifetime income. In the MAKE step of the 5 Step Retirement Master Plan, Social Security is foundational. For many retirees, it represents 30–40% of their guaranteed income. Optimizing that decision isn't optional—it's essential. And yet, education around it is surprisingly thin. As Nate pointed out, there are “560-something permutations” of Social Security claiming strategies. It's ubiquitous, but complicated. And too often, people default to the earliest date simply because it feels tangible. The Tax Blind Spot The second major theme of the study? Taxes. Only about 20% of retirees reported using a tax-efficient withdrawal strategy. Think about that. After decades of saving in multiple account types—traditional IRAs, Roth IRAs, brokerage accounts—most retirees are simply withdrawing from wherever feels convenient. Nate put it plainly: “Taxes matter for everyone, not just the high net worth crowd.” In the KEEP step of retirement planning, how you withdraw can meaningfully impact how long your money lasts. Choosing between Roth and traditional dollars. Managing capital gains. Coordinating withdrawals with Social Security timing. These aren't abstract academic exercises. They are practical levers that affect real income. Yet as Nate observed, most people spent 40 years having taxes withheld automatically from paychecks. They paid taxes—but they never actively managed them. Retirement flips that script completely. Now you must choose. The Psychological Shift No One Talks About Nate shared that many retirees are comfortable spending above their retirement number—until their account dips below it. The moment it falls beneath that original balance, panic sets in. Even if the plan accounts for drawdown. Even if it's sustainable. Even if it's expected. That's what I call the “accumulation paradox.” Economists assume you'll build your assets and gradually spend them down toward zero. Real people assume the number should stay intact forever. But retirement isn't about preserving a scoreboard. It's about funding a life. This is where the SPEND step meets the INVEST step. You saved to use the money. And yes, at some point, your balance may begin to decline. That's not failure. That's function. Advice Still Matters One of Nate's most memorable lines was this: “Monte Carlo gets 10,000 cracks at retirement. You and I get one.” We don't get multiple trial runs. We get one real-life retirement. That's why quality advice matters. The study suggests people with pensions are more likely to use annuities. People with advice are more likely to use tax strategies. And people who understand their income sources are more confident. Retirement is no longer just accumulation. It's design. And design requires intention. If you're within five years of retirement—or already there—ask yourself: Have I optimized my Social Security? Am I intentionally managing taxes? Do I have a clear income floor? Am I emotionally prepared to draw down assets? Because as this year's research shows, even million-dollar portfolios can feel uncertain without a plan. Retirement isn't about guessing well. It's about designing well. Don't forget to leave a rating for the “Retire Today” podcast if you've been enjoying these episodes! Subscribe to Retire Today to get new episodes every Wednesday. Apple Podcasts: https://podcasts.apple.com/us/podcast/retire-today/id1488769337  Spotify Podcasts: https://bit.ly/RetireTodaySpotify About the Author: Jeremy Keil, CFP®, CFA is a retirement financial advisor with Keil Financial Partners, author of Retire Today: Create Your Retirement Income Plan in 5 Simple Steps, and host of the Retirement Today blog and podcast, as well as the Mr. Retirement YouTube channel. Jeremy is a contributor to Kiplinger and is frequently cited in publications like the Wall Street Journal and New York Times. Additional Links: Buy Jeremy's book – Retire Today: Create Your Retirement Master Plan in 5 Simple Steps Allspring 2026 Retirement Study: By Default or By Design? Nate Miles, Allspring Global Investments Connect With Jeremy Keil: Keil Financial Partners LinkedIn: Jeremy Keil Facebook: Jeremy Keil LinkedIn: Keil Financial Partners YouTube: Mr. Retirement Book an Intro Call with Jeremy's Team Media Disclosures: Disclosures This media is provided for informational and educational purposes only and does not consider the investment objectives, financial situation, or particular needs of any consumer. Nothing in this program should be construed as investment, legal, or tax advice, nor as a recommendation to buy, sell, or hold any security or to adopt any investment strategy. The views and opinions expressed are those of the host and any guest, current as of the date of recording, and may change without notice as market, political or economic conditions evolve. All investments involve risk, including the possible loss of principal. Past performance is no guarantee of future results. Legal & Tax Disclosure Consumers should consult their own qualified attorney, CPA, or other professional advisor regarding their specific legal and tax situations. Advisor Disclosures Alongside, LLC, doing business as Keil Financial Partners, is an SEC-registered investment adviser. Registration does not imply a certain level of skill or expertise. Advisory services are delivered through the Alongside, LLC platform. Keil Financial Partners is independent, not owned or operated by Alongside, LLC. Additional information about Alongside, LLC – including its services, fees and any material conflicts of interest – can be found at https://adviserinfo.sec.gov/firm/summary/333587 or by requesting Form ADV Part 2A. The content of this media should not be reproduced or redistributed without the firm’s written consent. Any trademarks or service marks mentioned belong to their respective owners and are used for identification purposes only. Additional Important Disclosures

In this Lunar New Year episode, I welcome you into the threshold of the Year of the Fire Horse and the powerful wave of change that is already moving through our bodies and timelines!I share what has been coming through about the physical and cellular shifts many of us will experience over the next 12 to 18 months and beyond, and why embodiment is essential right now. This is not just energetic theory. It is about supporting the nervous system, working with the body, and consciously anchoring new crystalline templates into the human vessel I guide you through a live Quantum Light Embodiment practice and then open into a channeled transmission from the Golden Age Councils and Inner Earth beings. We explore solar activation, merging timelines, dragon solar templates, and the remembrance of our expanded light body potential during this Fire Horse Lunar New Year.Holistic Medicine and the Extracellular Matrix by Matthew Wood: https://amzn.to/4cxTyvVLearn about dry brushing: https://www.lizearle.com/beauty-blog/our-blog/161124/benefits-of-dry-brushing.htmlMultidimensional Messages for Healing and Higher Consciousness#lightlanguage #1111 #energyupdate #energyhealing #healer #lightworker #spiritualawakening #higherconsciousness #lightcodes #starseed ⁠Make sure you are on JJ's email list to receive latest updates and offerings! Sign up here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://linktr.ee/activationswithjj⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

The first Yes/No Gameshow of the 2026 Cheltenham Festival season is here. Emmet Kennedy is joined by Adam Mills, Lizzie Kelly, Jaime Wrenn and Barry Doyle to take on the ante-post market leaders with 1xBet Ireland — and every favourite faces the same question: YES… or NO? Each panellist votes. No fence-sitting. Then they justify it. This is where conviction meets pressure.

It’s the first big weekend of Eurovision national finals, and Friends of the Show – Estonia – are ready to deliver one of the biggest Eesti Laul finals in recent memory. Michael and Bryan preview most of the songs that are hoping to win the coveted award, sharing their thoughts on how it might all go down. You can get involved by watching the show from 6:30pm CET on 14 February (4:30am on Sunday 15 February if you’re in Melbourne) via ERR’s Jupiter or the Eurovision YouTube channel. Plus, you can spend your euros to vote for the superfinalists and the winner! The info is all at eestilaul.vote In this episode: Wonder if Ollie can ever brush off his bridesmaid moniker Work out when you’ll need to turn the lounge room sound system right up Hear from some past Eurovision favourites as they return for another go Get involved Follow JOYEurovision across Facebook, Instagram, Threads, TikTok, Bluesky and X at linktr.ee/joy_eurovision Not in Australia? Grab this podcast via Spotify Podcasts. Playlist Clicherik & Mäx – Jolly Roger Grete Paia – taevas jäi üles [The sky stayed up] ULIANA – Rhythm of Nature Ollie – Slave NOËP – Days Like This Getter Jaani – The Game Minimal Wind & ANT – Wounds (Don’t Wanna Fall) Vanilla Ninja – Too Epic to Be True STOCKHOLM COWBOYS – Last Man Standing Plus, in this podcast, hear the full versions of: Robert Linna – Metsik roos Laura Prits – Warrior Marta Pikani – Kell kuus The post Hold my coffee: Previewing Estonia’s Eesti Laul 2026 appeared first on JOY Eurovision.

The Lunch Table is back and the conversations are getting real. Lunch Table Talk presented by The Progress Report Media Group is hosted by LaLaa Shepard, Boss Britt, and DJ eXeL, bringing unfiltered culture commentary, hip-hop debate, and real-life perspective to today's biggest headlines. This week's episode dives into the viral tension between GloRilla and her older sister after claims involving money, entitlement, and a reported $2,500 FLAT situation. We unpack: • Are family members automatically entitled to your success? • Should you give loved ones a lump sum or a monthly allowance? • Do social pressures create unrealistic expectations when someone “makes it”? • Are GloRilla's feelings valid? The conversation expands into morals, sibling dynamics, maintaining boundaries, and what happens when fame meets family. We also break down the Super Bowl halftime moment featuring Bad Bunny and the broader conversation around culture, international influence, and NFL backlash. Is the league shifting toward a more global audience? Why does cultural representation create such strong reactions? Cardi B made headlines again — from tour moves to rumors surrounding her relationship with Stefon Diggs. Is this a case of toxicity? Internet assumptions? Or simply two public figures living publicly? Plus we get into: • Ja Rule vs Uncle Murda & Tony Yayo — are rappers too old to still be beefing? • 50 Cent's commentary and industry narratives • LaRussell signing to Roc Nation • Culture accountability and growth within hip-hop As always, The Progress Report blends entertainment, accountability, and progressive conversation. Tap in, comment your thoughts, and join the discussion. Follow us online: https://www.instagram.com/lalaashep/ https://www.instagram.com/djexel/ https://www.instagram.com/bossbritt__/ https://www.instagram.com/theprogressreport101/ https://www.instagram.com/tprmediagroup1/ Website: https://tprmediagroup.com https://linktr.ee/TheProgressReportMediaGroup Listen to us on the Revolt Podcast Network: https://tr.ee/GxMmkTcj7o Listen to us on Apple Podcasts: https://podcasts.apple.com/us/podcast/the-progress-report-podcast/id1494070183 Listen to us on Spotify Podcasts: https://open.spotify.com/show/5sBgF6wWa7NmHraP2QuBEv?si=a0f5f19b8a494fb5 The Progress Report theme song created by Jaylii (produced by Sparkz): https://www.instagram.com/jayliiradio/ https://www.instagram.com/trakmanmuzikllc/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Punchestown Grand National Trial Betting Guide | 6/1 NAP, Elliott Trends & Festival Clues Emmet Kennedy is joined by Jaime Wrenn, Andy Newton and Sean Crowe to mark your card for 1xBet Grand National Trial Day at Punchestown. This is one of the most informative staying handicap chases in Ireland — and the stats are impossible to ignore.

In the first of our special Festival countdown interviews, Emmet Kennedy sits down with legendary Seven Barrows trainer Nicky Henderson for a wide-ranging and revealing conversation about his leading contenders for March.

The Final Furlong Podcast Weekend Betting Guide is back, and this is a stacked Saturday across Ascot, Haydock and Wincanton. Emmet Kennedy is joined by Andy Newton, George Gorman and Peter Michael to preview every major ITV race, with strong opinions, big-priced handicaps and Grade 1 headliners.

Emmet Kennedy is joined by Paul Ferguson, author of the Weatherbys Cheltenham Festival Betting Guide, for a full assessment of the Grade 1 novice chase division. We start with the Arkle Novices' Chase (2m) – a race built on speed, precision and temperament.

In this episode, I'm diving into the deeper roots of artificial scarcity and what it truly means to embody abundance.This isn't just about money or manifestation. What came through is a much older separation template — one connected to Atlantis, the split between the spiritual and material worlds, and the ways we've internalized fragmentation in our bodies and relationships.The central theme is Embodied Abundance. I explore the Pyramid of Balance — our relationship with the body, with others, with our service, and with the elements — and why true abundance requires coherence, regulation, and presence.This episode also includes a channeled sacred union transmission from Mary Magdalene and Yeshua, along with a solar plexus recalibration to help dissolve scarcity imprints held in the system.Take what resonates. Let your body integrate. And allow abundance to become something you live.Sign up for Conscious Creators Academy (Winter Cohort – Abundance Templates):https://www.activationswithjj.com/offers/zjpD4JkL/checkout

Jeremy Keil examines how tax law changes might affect Roth conversion strategies for retirees in 2026. A few years ago, Roth conversions felt like one of those rare financial strategies that was almost too obvious to ignore. Taxes were historically low. The Tax Cuts and Jobs Act had put a clear expiration date on those lower brackets. And for many retirees, the logic seemed airtight: pay taxes now at a lower rate so you don't pay more later. Fast forward to today, and that certainty just isn't the same. With new tax legislation making today's lower tax brackets permanent—at least for now—many retirees are asking a very different question: Are Roth conversions still worth it in 2026 and beyond? The short answer is yes. But not for the reasons many people think. The real problem isn't Roth conversions themselves. The problem is the assumptions people make about them. Roth conversions exploded in popularity when it appeared obvious that taxes were about to rise. The assumption was straightforward: convert while rates are low, avoid higher taxes later, and you'll come out ahead. But that assumption rested on two ideas that don't always hold up: That tax rates would definitely rise. That income in retirement would naturally fall. For some people, both are true. For many others, neither is. Markets have been strong. Retirement accounts are larger than expected. Capital gains, pensions, and Social Security stack on top of one another. And suddenly, retirement income isn't as “low tax” as it once looked on paper. The Difference Between Tax Bracket and Tax Cost One of the most common mistakes retirees make is focusing on their tax bracket instead of their tax cost. On a tax return, you might see yourself in the 12% or 22% bracket and assume Roth conversions are inexpensive. But once Social Security enters the picture, the math becomes more complicated. As additional income comes in, Social Security benefits that were once tax-free begin to become taxable—up to 85% of the benefit. In that phase-in range, every dollar withdrawn from a traditional IRA can cause more Social Security to be taxed. The result is an effective tax cost that can be significantly higher than the bracket suggests. This is where many well-intentioned Roth strategies quietly go off track. Medicare Premiums Change the Equation Taxes aren't the only cost that matters. Medicare income-related premium adjustments—often called IRMAA—are triggered when income crosses certain thresholds. These surcharges commonly appear in two situations: when required minimum distributions begin, and when one spouse passes away and income thresholds are suddenly cut in half. A Roth conversion that pushes income just over one of these lines can increase Medicare premiums for years. That added cost has to be weighed alongside any future tax savings the conversion might create. A Cautionary Roth Story This is where a real-world example brings the point home. I once worked with a woman to determine the right amount of Roth conversions to do. We carefully mapped out a plan to spread conversions over three tax years so she could stay within reasonable tax and Medicare thresholds. She was comfortable with the plan. The numbers made sense. We executed the first conversion near the end of the year and agreed to revisit the second one in January. But after our meeting, she decided to take matters into her own hands. Rather than following the plan, she converted everything at once. That single decision pushed her income from a moderate tax bracket into much higher ones, triggered additional Medicare premium costs, and permanently locked in taxes that were far higher than necessary. The intent was good. The outcome was not. The mistake wasn't believing in Roth conversions—it was assuming that “more” was always better. The Real Takeaway for 2026 and Beyond Roth conversions are not dead. But Roth assumptions are. Lower tax rates today don't automatically mean Roth conversions are cheap. A future tax increase isn't guaranteed. And a zero-tax retirement is not always worth the price paid to get there. Roth conversions should always be considered—but never assumed. When done thoughtfully, in the right amounts, and at the right times, they can improve retirement income and flexibility. When done without planning, they can quietly undermine both. And in retirement, the goal isn't to win a tax strategy.The goal is to create a better retirement. Don't forget to leave a rating for the “Retire Today” podcast if you've been enjoying these episodes! Subscribe to Retire Today to get new episodes every Wednesday. Apple Podcasts: https://podcasts.apple.com/us/podcast/retire-today/id1488769337  Spotify Podcasts: https://bit.ly/RetireTodaySpotify About the Author: Jeremy Keil, CFP®, CFA is a retirement financial advisor with Keil Financial Partners, author of Retire Today: Create Your Retirement Income Plan in 5 Simple Steps, and host of the Retirement Today blog and podcast, as well as the Mr. Retirement YouTube channel. Jeremy is a contributor to Kiplinger and is frequently cited in publications like the Wall Street Journal and New York Times. Additional Links: Buy Jeremy's book – Retire Today: Create Your Retirement Master Plan in 5 Simple Steps Are Roth Conversions for Retirees Dead in 2026 Because of the New Tax Law? By Jeremy Keil, Kiplinger.com  Connect With Jeremy Keil: Keil Financial Partners LinkedIn: Jeremy Keil Facebook: Jeremy Keil LinkedIn: Keil Financial Partners YouTube: Mr. Retirement Book an Intro Call with Jeremy's Team Media Disclosures: Disclosures This media is provided for informational and educational purposes only and does not consider the investment objectives, financial situation, or particular needs of any consumer. Nothing in this program should be construed as investment, legal, or tax advice, nor as a recommendation to buy, sell, or hold any security or to adopt any investment strategy. The views and opinions expressed are those of the host and any guest, current as of the date of recording, and may change without notice as market, political or economic conditions evolve. All investments involve risk, including the possible loss of principal. Past performance is no guarantee of future results. Legal & Tax Disclosure Consumers should consult their own qualified attorney, CPA, or other professional advisor regarding their specific legal and tax situations. Advisor Disclosures Alongside, LLC, doing business as Keil Financial Partners, is an SEC-registered investment adviser. Registration does not imply a certain level of skill or expertise. Advisory services are delivered through the Alongside, LLC platform. Keil Financial Partners is independent, not owned or operated by Alongside, LLC. Additional information about Alongside, LLC – including its services, fees and any material conflicts of interest – can be found at https://adviserinfo.sec.gov/firm/summary/333587 or by requesting Form ADV Part 2A. The content of this media should not be reproduced or redistributed without the firm’s written consent. Any trademarks or service marks mentioned belong to their respective owners and are used for identification purposes only. Additional Important Disclosures

The Final Furlong Podcast Weekend Betting Guide is back after landing winners at 14/1, 10/1, 7/1 and 5/2 last week. Emmet Kennedy is joined by Andy Newton, George Gorman and Peter Michael to preview every key race from Newbury Racecourse and Warwick Racecourse, with their strongest bets, disagreements and big-price angles across a stacked Saturday card on ITV Racing, Sky Sports Racing and Racing TV. If you're betting this weekend, this is your full roadmap. Feature races covered William Hill Hurdle (Premier Handicap) Can Let It Rain give the Skeltons another big Saturday winner? The team assess the market and the main dangers including All In You, Un Sens A La Vie and Tutti Quanti. Epic Boosts Novices' Hurdle Sober Glory is considered NAP material by two of the panel, with Kadastral and Fantasy World the threats. Kingmaker Novices' Chase (G2) Unbeaten Mambonumberfive steps up in class after an impressive Wayward Lad win. But Steel Ally, smooth-jumping and proven on soft, could make this tactical. Denman Chase (G2) Can L'Homme Presse end Venetia Williams' cold spell? Or does Haiti Couleurs follow the path of Native River and stamp himself a staying chaser to follow? Game Spirit Chase (G2) A key Arkle prep.Lulamba is odds-on and unbeaten over fences. Is he the real deal? Plus Handicap hurdles, veterans' chases and multiple double-figure selections the market may have missed. This week's bets • Multiple NAPs • Strong handicap angles • Big-price plays • Confident opinions across all seven races

Emmet Kennedy is joined by Jaime Wrenn and leading bloodstock agent Tom Malone to unpack an epic Dublin Racing Festival and, more importantly, what it means for Cheltenham Festival. Gold Cup division Fact To File produces a monster performance in the Irish Gold Cup, leading home a Willie Mullins 1-2-3. Now the big question:

A candid conversation with Eric Brotman on why retirement planning needs structure, flexibility, and fewer assumptions. One of the things I've learned after years of retirement planning conversations is that most people aren't short on opinions — they're short on clarity. They've heard plenty of rules.They've absorbed countless headlines.They've picked up advice from coworkers, friends, and financial media. But when you slow things down and ask a simple question — “Why are you doing it this way?” — the answer is often some version of, “That's just what I've always heard.” I recently sat down on the “Don't Retire… Graduate!” podcast with host Eric Brotman (author of “Don't Retire, Graduate” and previous guest of my podcast back in the “Retirement Revealed” days) to discuss why building a better retirement plan starts with asking better questions. Eric is the author of Don't Retire, Graduate, and his core message is relatable to everyone entering retirement: retirement isn't a finish line. It's a transition — and transitions deserve thoughtful planning, not assumptions. As Eric put it during our conversation, “Most people think retirement is a decision. It's not. It's a process.” Why One-Time Decisions Matter So Much to a Retirement Plan When you're working, mistakes are usually correctable. Save too little one year? You can increase contributions later. Invest poorly early on? Time often smooths things out. Retirement doesn't work that way. Retirement is full of one-way doors — decisions you can't easily undo. Social Security claiming. Pension elections. Medicare choices. Tax strategies.  Once those decisions are made, you often live with them for decades. This is where many retirement plans quietly fail. Not because the investments are bad, but because the planning skipped the hard questions upfront. The Quiet Problem of Underspending One of the most interesting threads in our conversation was something I see often with clients but rarely see addressed directly: underspending. People spend decades being disciplined savers. They're rewarded for delaying gratification. Then retirement arrives — and suddenly they're supposed to flip a switch and start spending confidently? That transition is harder than most people expect. Eric described it bluntly: “A lot of retirement plans are designed to avoid failure, not to support a great life.” When plans are built entirely around extremely high “success rates,” the tradeoff is often living smaller than necessary. Retirees follow conservative rules, spend cautiously, and end up with more money at the end of life than they started with — not because they needed it, but because no one ever gave them permission to use it. That's how an effort to preserve your money in retirement can turn into a missed opportunity. Why Rules of Thumb Aren't Enough Rules like the 4% withdrawal guideline exist for a reason — they're simple and memorable. But that simplicity comes at a cost. Rules of thumb can be useful starting points, they become problematic when people treat them as guarantees rather than guidelines that require context. Markets change. Taxes change. Spending changes. Life changes. A retirement plan that assumes constant spending and ignores flexibility is solving a math problem that doesn't exist in the real world. What works better is a framework that expects adjustment — not perfection. Retirement as a Graduation, Not an Ending The phrase “Don't retire, graduate” isn't about working forever. It's about intention. Some people want to fully step away from work. Others want to consult, volunteer, or stay mentally engaged. Neither approach is right or wrong — but drifting into retirement without deciding is where dissatisfaction often starts. What makes a difference for most retirees? Having a purpose to your life in retirement as a new chapter, not a conclusion to the entire book. When you treat retirement as a graduation into something new, the planning naturally becomes more thoughtful. Spending decisions align with values. Time gets treated as intentionally as money. And confidence replaces guesswork. The Real Goal of Retirement Planning At its core, this conversation wasn't about beating markets or optimizing spreadsheets. It was about aligning math with real life. A good retirement plan doesn't just aim to avoid running out of money. It aims to help you live well — without constant second-guessing. For many, effective retirement planning isn't about dying with the most money. It's about using the money you've earned to live well, without fear or constant second-guessing. That's a goal worth planning for. If you're approaching retirement — or already there — this episode will challenge some comfortable assumptions and help you think differently about what your plan is actually designed to do. Don't forget to leave a rating for the “Retire Today” podcast if you've been enjoying these episodes! Subscribe to Retire Today to get new episodes every Wednesday. Apple Podcasts: https://podcasts.apple.com/us/podcast/retire-today/id1488769337  Spotify Podcasts: https://bit.ly/RetireTodaySpotify About the Author: Jeremy Keil, CFP®, CFA is a retirement financial advisor with Keil Financial Partners, author of Retire Today: Create Your Retirement Income Plan in 5 Simple Steps, and host of the Retirement Today blog and podcast, as well as the Mr. Retirement YouTube channel. Jeremy is a contributor to Kiplinger and is frequently cited in publications like the Wall Street Journal and New York Times. Additional Links: Buy Jeremy's book – Retire Today: Create Your Retirement Master Plan in 5 Simple Steps Eric Brotman on LinkedIn “Don't Retire…Graduate!” podcast “Don't Retire…Graduate!” on Amazon BFG Financial Advisors BFG University on YouTube Build Your Retirement Master Plan in 5 Simple Steps Connect With Jeremy Keil: Keil Financial Partners LinkedIn: Jeremy Keil Facebook: Jeremy Keil LinkedIn: Keil Financial Partners YouTube: Mr. Retirement Book an Intro Call with Jeremy's Team Media Disclosures: Disclosures This media is provided for informational and educational purposes only and does not consider the investment objectives, financial situation, or particular needs of any consumer. Nothing in this program should be construed as investment, legal, or tax advice, nor as a recommendation to buy, sell, or hold any security or to adopt any investment strategy. The views and opinions expressed are those of the host and any guest, current as of the date of recording, and may change without notice as market, political or economic conditions evolve. All investments involve risk, including the possible loss of principal. Past performance is no guarantee of future results. Legal & Tax Disclosure Consumers should consult their own qualified attorney, CPA, or other professional advisor regarding their specific legal and tax situations. Advisor Disclosures Alongside, LLC, doing business as Keil Financial Partners, is an SEC-registered investment adviser. Registration does not imply a certain level of skill or expertise. Advisory services are delivered through the Alongside, LLC platform. Keil Financial Partners is independent, not owned or operated by Alongside, LLC. Additional information about Alongside, LLC – including its services, fees and any material conflicts of interest – can be found at https://adviserinfo.sec.gov/firm/summary/333587 or by requesting Form ADV Part 2A. The content of this media should not be reproduced or redistributed without the firm’s written consent. Any trademarks or service marks mentioned belong to their respective owners and are used for identification purposes only. Additional Important Disclosures

“Its like people be wanting me to be who I'm not” ~ Gloss Up  Gloss Up rejoins The Progress Report for the first time since 2022 for a real and honest conversation about her journey through music, reality TV, business, and personal growth. She opens up about the pressure to change her sound, losing herself along the way, and how she found motivation again after stepping back from the industry.  In this episode, Gloss Up talks about launching her lip gloss business, learning to record independently, sampling classic records, working with artists like YFN Lucci and Suki, and the lessons she gained from reality TV experiences including The Impact: Atlanta, Ari influence, and appearances on The Zeus Network.  Gloss Up also touches on mental health, social media negativity, relationships with Glorilla, Big Boss Vette, business growth, and what “progress” truly means to her today.  This is a powerful story of resilience, self-discovery, and leveling up through life's toughest moments.  Instagram:  https://www.instagram.com/glittergirlgloss/  https://www.instagram.com/lalaashep/  https://www.instagram.com/theprogressreport101/  https://www.instagram.com/tprmediagroup1/  Website: https://TPRMediaGroup.com  Listen to us on Apple Podcasts https://podcasts.apple.com/us/podcast/the-progress-report-podcast/id1494070183  Listen to us on Spotify Podcasts https://open.spotify.com/show/5sBgF6wWa7NmHraP2QuBEv?si=a0f5f19b8a494fb5 Learn more about your ad choices. Visit megaphone.fm/adchoices

This time we hear from Lady GaGa; there's news on Gentleman Jack (the ballet); Revelations from a revealing Cher interview; plus Bob the Drag Queen reveals their favourite film of all time. The show complete with music is available at mixcould.com/thisisndebz Also search for us on Apple & Spotify Podcasts. Catch up with the latest via @T hisisNDebz on Instagram & X (Twitter). If you'd like to get in touch with the show you can email us via thisisNDebz@gmail.com.

The Nordic Grand Prixes are getting underway. The first cab off the rank is Denmark, with Dansk Melodi Grand Prix (DMGP) taking place on 14 February. Michael and Bryan flag down the eight songs that are hoping to follow in the footsteps of Sissal’s 2025 hallucinations… including Sissal herself! You can enjoy DMGP live via DRTV on Saturday 14 February at 8pm if you’re in Europe, or on Sunday 15 February at 6am if you work on Melbourne time. In this episode: Wonder how DMGP is like a visit to Spotlight Understand just how bad apprentice chippies have it Find out just how gay JOY Eurovision is Get involved Follow JOYEurovision across Facebook, Instagram, Threads, TikTok, Bluesky and X at linktr.ee/joy_eurovision Not in Australia? Grab this podcast via Spotify Podcasts. Playlist Sander Sanchez – Two Spirits Emil Otto – Copenhagen Noir Myrkur – Touch My Love And Die Søren Torpegaard Lund – Før Vi Går Hjem [Before We Go Home] Lasse Skriver – Roaring Heart Sissal – Infinity Late Runner – Can U Feel It? Ericka Jane – Death Of Me The post Living a fantasy: Previewing Dansk Melodi Grand Prix 2026 appeared first on JOY Eurovision.

The Final Furlong Podcast Dublin Racing Festival Day 2 Betting Guide is live. Fresh from tipping 12/1, 16/1, 5/1 and 9/4 winners last week, Emmet Kennedy is joined by Adam Mills, Andy Newton and Jake Wilkes to break down every race at Leopardstown with their strongest bets, sharp disagreements and big-price angles. This is one of the best cards of the Irish season and a major source of Cheltenham Festival clues. Irish Champion Hurdle (G1)Lossiemouth returns to the scene of last year's fall.Can she redeem herself, or will Brighterdaysahead reverse the December form and turn the tables?Harry Cobden takes over on Anzadam, with El Fabiolo and Poniros adding depth to a fascinating Grade 1. Novice Chase (G1)Final Demand is odds-on to win his second Grade 1 over fences…but one of the panel is keen to take him on. Tattersalls Novice Hurdle (G1)Willie Mullins has won 9 of the last 10 renewals.Is Talk The Talk, King Rasko Grey, Ballyfad or The Reverend the right one this year? Dublin Chase (G1)Round two: Marine Nationale vs Majborough vs Solness.Strong opinions on how that Christmas form stacks up. Handicaps and value plays• 10/1, 8/1 and 11/2 selections• A 5/1 handicap chase bet three of the team are confident about• 7/1, 8/1 and 11/1 hurdle angles• A 14/1 bumper play to finish the day• Multiple NAPs, including a 3/1 headline bet Every race covered. Every angle debated.

In this episode of Lunch Table Talk presented by The Progress Report, hosts Lalaa Shepard, Boss Britt, and DJ eXeL break down the biggest conversations shaking up hip hop and culture right now. F rom Nicki Minaj going viral for comments about Donald Trump, to deep conversations around Kanye West's mental health, the crew dives into whether artists should be separated from their controversies. They also touch on Drake's current run in music, Atlanta hip hop's evolution, Cardi B and Stefon Diggs, social media platforms shifting the culture, and real-life street conversations happening in the city.  This episode blends real opinions, laughs, and raw perspectives — just like a true lunch table debate. 

E & T are back this week catching up about Erica taping a set for Cracked Comedy Club, Teresa performing solo at a Law Firm's corporate gig, publicly putting out your sobriety on social media, and the viral couple who was kicked out of a San Fransisco bar after attacking the staff. The end of the episode features a Patreon Preview. Join the Patreon to support the show and get extra & ad free episodes here OR on Apple & Spotify Podcasts:⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.patreon.com/twostandupgals⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Resources mentioned: 5calls.org - StandwithMinnesota.com - Email your Senators through the contact forms on their websitesPodcast Recs: Pod Save America & I've Had It podcastWatch full episodes on our YouTube Channel Here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/@TwoStandUpGalsPodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠See E & T in WASHINGTON D.C.! FEBRUARY 6th & 7th! Erica will be headlining the D.C. Comedy Loft with Teresa opening Feb 6th & 7th weekend! Get Tickets Here: ⁠https://www.dccomedyloft.com/shows/344043⁠Submit your questions here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠Twostandupgals@gmail.com⁠⁠⁠⁠⁠⁠⁠⁠⁠E & T GREECE TRIP! Crete, Greece (June 5th-11th, 2026): ⁠⁠⁠⁠⁠⁠⁠https://cretegreecewithericaandteresa.my.canva.site/⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ITALY TRIP! Oct 9th – Oct 17th, 2026 Venice, Florence, & Rome ($175 discount until end of January) Itinerary & sign ups here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://groups.goaheadtours.com/tours/erica-spera-vfsg2026⁠⁠⁠⁠⁠⁠⁠⁠⁠Not interested in Greece or Italy? Take our Travel Survey here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://forms.gle/mYY5Ss7szCowAj2u8⁠⁠⁠⁠⁠⁠⁠⁠⁠

Dublin Racing Festival Day 1 is here and this is the betting roadmap serious punters wait for. Emmet Kennedy is joined by Andy Newton, George Gorman and Peter Michael to break down every key race at Leopardstown and Sandown, with price-led analysis, strong opinions, and proper betting angles you won't hear anywhere else. If you're betting DRF or looking for Cheltenham clues, this is essential listening. Irish Gold Cup (G1)Galopin Des Champs chases a fourth straight win. Can Affordale Fury, Gaelic Warrior or I Am Maximus upset the king? Irish Arkle (G1)Romeo Coolio sets the standard, but does he really want further? The panel make a strong case for a Mullins alternative at the prices. Nathaniel Lacy (G1)Another Closutton conveyor belt. Is Doctor Steinberg the next Festival horse? Juvenile Hurdle (G1)Mange Tout already beat the favourite and gets the mares' allowance. Three of the team think she's the value play. Leopardstown handicaps & bumpersFestival plot horses, big prices and runners the market may be missing. Sandown – Scilly Isles (G1)Irish raiders dominate the betting and the panel are split. • 18/1 NAP• Multiple double-figure next bests• Strong handicap angles• Emmet's new Lucky 63 after another profitable weekend Form, pace, profiles and price. No hype. No guesswork. If you're serious about winning through the Dublin Racing Festival, start here.

Retirement researcher Stefan Sharkansky explains why the 4% rule often leaves retirees underspending — and how a more flexible, math-driven approach can lead to a better retirement experience. For decades, the 4% rule has been treated as a gold standard for retirement spending. In fact, I made video about it on my YouTube channel. If you ask most retirees how much they can safely spend, the conversation quickly turns to probabilities, simulations, and avoiding failure. But what if the real risk isn't running out of money — it's not using it well? In this episode of Retire Today, I'm joined by Stefan Sharkansky, whose background in math and computer science led him to question how retirement spending strategies are actually designed — and what they optimize for. As Stefan put it plainly, “Under the average market scenario, following the safe withdrawal rate of 4% would leave you with more when you passed away than when you started.” In other words, many retirees are leaving too much money on the table in their retirement spending plan. The Problem With “Safe” Withdrawal Rates Most retirement spending research focuses on one outcome: not running out of money. Advisors often present plans as probabilities — a 90% or 95% chance of success — where “success” means the portfolio never hits zero. But this framing runs the risk of missing what retirees actually care about. After all, if you have a 90% probability of success, what that really means is that 89% of the time, you could have spent more. That insight flips traditional planning on its head. Instead of asking, “What's the safest amount I can withdraw?” the better question becomes, “What level of spending lets me live well — while staying adaptable if conditions change?” Why Retirement Spending Isn't Constant One major flaw in the 4% rule is the assumption that spending stays flat year after year. Real life doesn't work that way. Spending often starts higher in early retirement with travel and experiences, dips in later years, then rises again due to healthcare needs. Taxes also change as retirees shift between taxable accounts, IRAs, and Roth accounts. As Stefan noted, “This idea of constant spending never exists in the real world.” Any retirement spending plan that assumes otherwise is solving the wrong problem. A Salary-and-Bonus Approach to Retirement Stefan's research introduces a different framework — one that mirrors how people actually lived during their working years. He described a model where retirees create: A stable, inflation-protected income base using Social Security and a ladder of TIPS (Treasury Inflation-Protected Securities) A variable ‘bonus' income driven by long-term stock performance “You have your salary from Social Security and your TIPS,” Stefan explained, “and then you get a bonus based on how the stock market does.” In strong markets, spending can increase. In weaker years, spending adjusts — while working to help maintain long-term security. The key is that adjustment is assumed, not treated as failure. Rethinking Risk Tolerance Traditional risk tolerance focuses on portfolio volatility — how much account values swing up and down. Stefan argues retirees should think differently. “Risk tolerance should be about how much variability in income you're comfortable with,” he said, “not just what percentage of stocks and bonds you hold.” Some retirees prefer a higher guaranteed income floor with less variability. Others are comfortable with more income fluctuation in exchange for higher long-term spending. The right plan aligns income stability with personal preferences — not arbitrary rules. Why This Matters Many retirees say the 4% rule “doesn't work for them” — not because it's unsafe, but because it doesn't generate enough income to support the life they want. Stefan's research shows that when you plan for flexibility, rather than perfection, you can often spend more, not less — while still maintaining control. The goal isn't to maximize your ending balance. It's to maximize your retirement experience. Ultimately, you need to make your retirement spending plan in a way that not only is within your means, but meets your retirement goals.  Don't forget to leave a rating for the “Retire Today” podcast if you've been enjoying these episodes! Subscribe to Retire Today to get new episodes every Wednesday. Apple Podcasts: https://podcasts.apple.com/us/podcast/retire-today/id1488769337  Spotify Podcasts: https://bit.ly/RetireTodaySpotify About the Author: Jeremy Keil, CFP®, CFA is a retirement financial advisor with Keil Financial Partners, author of Retire Today: Create Your Retirement Income Plan in 5 Simple Steps, and host of the Retirement Today blog and podcast, as well as the Mr. Retirement YouTube channel. Jeremy is a contributor to Kiplinger and is frequently cited in publications like the Wall Street Journal and New York Times. Additional Links: Buy Jeremy's book – Retire Today: Create Your Retirement Master Plan in 5 Simple Steps Is the 4% Rule Outdated? New Research Reveals the TRUTH – Mr. Retirement YouTube Channel Stefan Sharkansky on LinkedIn TheBestThird.com  Connect With Jeremy Keil: Keil Financial Partners LinkedIn: Jeremy Keil Facebook: Jeremy Keil LinkedIn: Keil Financial Partners YouTube: Mr. Retirement Book an Intro Call with Jeremy's Team Media Disclosures: Disclosures This media is provided for informational and educational purposes only and does not consider the investment objectives, financial situation, or particular needs of any consumer. Nothing in this program should be construed as investment, legal, or tax advice, nor as a recommendation to buy, sell, or hold any security or to adopt any investment strategy. The views and opinions expressed are those of the host and any guest, current as of the date of recording, and may change without notice as market, political or economic conditions evolve. All investments involve risk, including the possible loss of principal. Past performance is no guarantee of future results. Legal & Tax Disclosure Consumers should consult their own qualified attorney, CPA, or other professional advisor regarding their specific legal and tax situations. Advisor Disclosures Alongside, LLC, doing business as Keil Financial Partners, is an SEC-registered investment adviser. Registration does not imply a certain level of skill or expertise. Advisory services are delivered through the Alongside, LLC platform. Keil Financial Partners is independent, not owned or operated by Alongside, LLC. Additional information about Alongside, LLC – including its services, fees and any material conflicts of interest – can be found at https://adviserinfo.sec.gov/firm/summary/333587 or by requesting Form ADV Part 2A. The content of this media should not be reproduced or redistributed without the firm’s written consent. Any trademarks or service marks mentioned belong to their respective owners and are used for identification purposes only. Additional Important Disclosures

This is a live, organic light language transmission co-created with nature.The elementals, wind, trees, birds, water, and Earth's crystalline field are active participants in this activation. Nothing is staged. This is real-time weaving with the living consciousness of the land.Lemurian frequencies and Gaia support embodiment, remembrance, and reconnection through the body. Receive with your eyes open and your system present. Movement, breath, sound, and sensation are part of the transmission.Trust what your body remembers.• Lightweavers Global: https://activationswithjj.com/offers/Y53XFMpM/checkout• Sign up for Conscious Creators Academy! https://www.activationswithjj.com/offers/zjpD4JkL/checkoutMultidimensional Messages for Healing and Higher Consciousness#lightlanguage #1111 #energyupdate #energyhealing #healer #lightworker #spiritualawakening #higherconsciousness #lightcodes #starseed ⁠Make sure you are on JJ's email list to receive latest updates and offerings! Sign up here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://linktr.ee/activationswithjj⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

On this week's Final Furlong Podcast, Emmet Kennedy, Adam Mills and Jamie Wrenn strip away the hype and analyse what Trials Day actually told us about the Cheltenham Festival. Not who won. But who improved their Festival chance — and who didn't.

YFN Kay rejoins Lalaa Shepard for a new episode of Skipping Class presented by The Progress Report to speak on life after serving three years in prison, reuniting with his brother YFN Lucci, and the powerful journey of growth, sobriety, and family.  In this exclusive conversation, YFN Kay opens up about coming home, celebrating their first Christmas back together, reconnecting with his kids, and stepping back into his roles as a father, big brother, artist, community figure, and music executive. He also shares what it meant to spend $50,000 on his new grill, the lessons prison taught him, and how his mindset and recording process have completely changed.  YFN Kay breaks down the upcoming Already Legend Tour featuring YFN Lucci, Bunna B, YKNIECE, and OMB Peezy, kicking off February 2026, and talks about changing the company name to Already Legend as the movement continues to grow. He also gives his honest thoughts on the current state of hip hop in Atlanta, his new album in the works, and even jokes about his and YFN Lucci's weight gain since coming home.  This is a powerful story of resilience, brotherhood, and progress. 

We’re ready for a big show in a little country, as Luxembourg decides on their Eurovision representative for 2026 via Luxembourg Song Contest. Michael and Bryan work through the eight songs in the running for the Duchy’s trophy and don’t hold back on what they think of them all! You can watch Luxembourg Song Contest live on YouTube from 8pm CET on 24 January (6am AEDT on 25 January) and be part of the voting via esc.vote. In this episode: Get to know more about Bryan’s thoughts on French music Explore the impact of songwriting camps Imagine what a stage glow up might look like Get involved Follow JOYEurovision across Facebook, Instagram, Threads, TikTok, Bluesky and X at linktr.ee/joy_eurovision Not in Australia? Grab this podcast via Spotify Podcasts. Playlist Irem – Bad Decisions (Hush Hush) Steve Castile – Sweet Tooth Hugo One – Born Again ShiroKuro – Eye To Eye Eva Marija – Mother Nature Andrew the Martian – I’m The Martian Daryss – Melusina Luzac – Prison Dorée [Golden Prison] The post Rockin’ the Duchy: Previewing Luxembourg Song Contest 2026 appeared first on JOY Eurovision.

This week on The Final Furlong Podcast Weekend Betting Guide, Emmet Kennedy is joined by Andy Newton, Jake Wilkes and Peter Michael to break down every race on Trials Day at Cheltenham, plus the best betting angles at Doncaster and Fairyhouse. If you're serious about Festival betting, this is the card that quietly produces winners for: • The Ultima • The Plate • The Stayers' Hurdle • The Turners • The Albert Bartlett We strip away the hype and focus on profiles, trends and prices that actually matter.

E & T are back this week in studio talking all about the 2026 Golden Globes! Recapping their favorite moments from Nikki Glaser's monologue, the iconic Wanda Sykes, what they would change about award shows, their thoughts on the new podcast category, who they think should be nominated for best stand-up comedy special, and more. The end of the episode features a Patreon Preview. Join the Patreon to support the show and get extra & ad free episodes here OR on Apple & Spotify Podcasts:⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.patreon.com/twostandupgals⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Watch full episodes on our YouTube Channel Here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/@TwoStandUpGalsPodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠See E & T in WASHINGTON D.C.! FEBRUARY 6th & 7th! Erica will be headlining the D.C. Comedy Loft with Teresa opening Feb 6th & 7th weekend! Get Tickets Here: https://www.dccomedyloft.com/shows/344043Submit your questions here: ⁠⁠⁠⁠⁠⁠⁠⁠Twostandupgals@gmail.com⁠⁠⁠⁠⁠⁠⁠⁠E & T GREECE TRIP! Crete, Greece (June 5th-11th, 2026): ⁠⁠⁠⁠⁠⁠https://cretegreecewithericaandteresa.my.canva.site/⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ITALY TRIP! Oct 9th – Oct 17th, 2026 Venice, Florence, & Rome ($175 discount until end of January) Itinerary & sign ups here: ⁠⁠⁠⁠⁠⁠⁠⁠https://groups.goaheadtours.com/tours/erica-spera-vfsg2026⁠⁠⁠⁠⁠⁠⁠⁠Not interested in Greece or Italy? Take our Travel Survey here: ⁠⁠⁠⁠⁠⁠⁠⁠https://forms.gle/mYY5Ss7szCowAj2u8⁠⁠⁠⁠⁠⁠⁠⁠

Author Jesse Hurst explains how retirement planning helps reduce the guesswork of retiring through his book “PopEnomics”. A lot of people approach financial planning with one big fear: that it's going to feel restrictive. Budgets. Rules. Spreadsheets. Being told what you can't do with your money. But in this episode of Retire Today, I sat down with Impel Wealth Management president and author of “PopEnomics”Jesse Hurst to talk about why that assumption gets things exactly backward — and how the right kind of planning actually creates freedom. As Jesse put it early in our conversation, “A lot of people think financial planning is very constrictive… and I think it's exactly the opposite. I think it's very freeing.” Why Guessing Is the Default (and the Problem) Most people don't lack motivation. They lack clarity. Jesse explained that many retirees have vague hopes rather than defined goals. “Someday I want to retire and live a comfortable life,” sounds nice — but it's not a plan. Without specifics, people end up guessing on some of the most important decisions of their financial lives. How much should I save?Should I prioritize paying off the mortgage?Is Roth or pre-tax better for me?Am I saving enough — or too much? Without a defined target, people default to hearsay. “My coworker did this.” “I read an article that said 8% is enough.” That's not planning — it's outsourcing your decisions to someone else's guess. Why Stories Stick When Numbers Don't Jesse has a way with analogies. By tying retirement planning ideas to pop culture — music, movies, and familiar stories — he finds people actually remember them. During the COVID period, Jesse began using pop-culture analogies more intentionally. One comparison between Federal Reserve policy and the movie Animal House took off online — and made him realize he'd found a powerful teaching tool. That insight ultimately led to his book PopEnomics, where retirement planning meets rock anthems, movie classics, and everyday analogies. Access to Information Isn't the Same as Wisdom One of the most important observations Jesse shared came from reflecting on his decades in the profession. Early in his career, the challenge was simply educating people about what options existed. Today, the challenge is the opposite. “There's a big difference between access to information and the wisdom to apply it,” Jesse said. Retirees today are overwhelmed with data — articles, headlines, opinions — but often still unsure what applies to them. That's where planning shifts from information to interpretation. The Retirement Puzzle Jesse described retirement planning as a puzzle — one where each piece matters. You can't decide how to invest if you don't know when you'll retire.You can't know how much risk to take if you don't know when you'll need the money.You can't spend confidently if you don't know whether your income supports it. One story he shared involved a couple who lost track of where they stood financially after COVID, inflation, and market volatility. Using an airport analogy, Jesse explained, “If you don't know where you are, you can't figure out how to get to your gate.” Clarity begins with knowing your starting point. The Saver's Mindset — and the Permission Problem Many people who retire successfully built wealth through discipline — spending less than they earned, avoiding debt, and saving consistently. But those same habits can make it emotionally difficult to switch from accumulation to spending. As Jesse explained, “They have a hard time giving themselves permission to spend.” He shared a powerful story of longtime clients who had ample income and assets — but struggled to enjoy them. The breakthrough came when they realized that if they didn't use their money intentionally, someone else eventually would. That shift — from fear to permission — is often one of the most important transitions in retirement. The Bottom Line Financial planning isn't about restriction. It's about clarity. When you know what you're saving for, what you've already done, and what your money can support, decisions become easier. Spending becomes intentional. And retirement becomes something you can enjoy — not just hope works out. Don't forget to leave a rating for the “Retire Today” podcast if you've been enjoying these episodes! Subscribe to Retire Today to get new episodes every Wednesday. Apple Podcasts: https://podcasts.apple.com/us/podcast/retire-today/id1488769337  Spotify Podcasts: https://bit.ly/RetireTodaySpotify About the Author: Jeremy Keil, CFP®, CFA is a retirement financial advisor with Keil Financial Partners, author of Retire Today: Create Your Retirement Income Plan in 5 Simple Steps, and host of the Retirement Today blog and podcast, as well as the Mr. Retirement YouTube channel. Jeremy is a contributor to Kiplinger and is frequently cited in publications like the Wall Street Journal and New York Times. Additional Links: Buy Jeremy's book – Retire Today: Create Your Retirement Master Plan in 5 Simple Steps Create Your Retirement Master Plan in 5 Simple Steps Jesse Hurst on LinkedIn Impel Wealth Management PopEnomics.com  PopEnomics: 12 Relatable (and Not Boring) Pop Culture Insights for Retirement Success Jesse Hurst on YouTube Jesse Hurst on Instagram Jesse Hurst on X Connect With Jeremy Keil: Keil Financial Partners LinkedIn: Jeremy Keil Facebook: Jeremy Keil LinkedIn: Keil Financial Partners YouTube: Mr. Retirement Book an Intro Call with Jeremy's Team Media Disclosures: Disclosures This media is provided for informational and educational purposes only and does not consider the investment objectives, financial situation, or particular needs of any consumer. Nothing in this program should be construed as investment, legal, or tax advice, nor as a recommendation to buy, sell, or hold any security or to adopt any investment strategy. The views and opinions expressed are those of the host and any guest, current as of the date of recording, and may change without notice as market, political or economic conditions evolve. All investments involve risk, including the possible loss of principal. Past performance is no guarantee of future results. Legal & Tax Disclosure Consumers should consult their own qualified attorney, CPA, or other professional advisor regarding their specific legal and tax situations. Advisor Disclosures Alongside, LLC, doing business as Keil Financial Partners, is an SEC-registered investment adviser. Registration does not imply a certain level of skill or expertise. Advisory services are delivered through the Alongside, LLC platform. Keil Financial Partners is independent, not owned or operated by Alongside, LLC. 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The Cheltenham picture shifted dramatically this weekend, and The Final Furlong Podcast is here to break it all down. Emmet Kennedy, Adam Mills, and Jaime Wrenn review the key talking points from a crucial weekend of racing, with Cheltenham Festival implications everywhere you look.

E & T are back this week talking about Sober January and Teresa hitting her 100 day sober streak! The gals also talk about their New Year Resolutions, a new sober club in NYC, prepping for NYE fun and gigs, how to not fall for the dopamine rush from shopping, getting hit on by Uber drivers, and male Uber drivers suing for sexual discrimination over a female driver only filter. The end of the episode features a Patreon Preview. Join the Patreon to support the show and get extra & ad free episodes here OR on Apple & Spotify Podcasts:⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.patreon.com/twostandupgals⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠See Erica & Teresa perform LIVE in NYC at Gotham Comedy Club Tuesday Jan 20th! Discount Code: 5NKMT Tickets here: ⁠https://www.showclix.com/event/natalie-kate-moss-trust-benefit⁠Watch full episodes on our YouTube Channel Here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/@TwoStandUpGalsPodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Submit your questions here: ⁠⁠⁠⁠⁠⁠⁠Twostandupgals@gmail.com⁠⁠⁠⁠⁠⁠⁠E & T GREECE TRIP! Crete, Greece (June 5th-11th, 2026): ⁠⁠⁠⁠⁠https://cretegreecewithericaandteresa.my.canva.site/⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠We only have a few spots left and may add another group for a different week! Fill out the form if you'd like to receive the info: ⁠⁠⁠⁠⁠https://forms.gle/bNcNaVpC81onJx8VA⁠⁠⁠⁠⁠ITALY TRIP! Oct 9th – Oct 17th, 2026 Venice, Florence, & Rome, ($100 discount until end of December) Itinerary & sign ups here: ⁠⁠⁠⁠⁠⁠⁠https://groups.goaheadtours.com/tours/erica-spera-vfsg2026⁠⁠⁠⁠⁠⁠⁠Not interested in Greece or Italy? Take our Travel Survey here: ⁠⁠⁠⁠⁠⁠⁠https://forms.gle/mYY5Ss7szCowAj2u8⁠⁠⁠⁠⁠⁠⁠

It's the second Final Furlong weekend preview of 2026, and the team are swinging big.Emmet Kennedy, Andy Newton, George Gorman and Peter Michael take apart Saturday's feature races on ITV Racing from Ascot and Haydock, with value plays, and bold NAPs

E & T are back this week talking about how they get into the holiday spirit, if a viral Turkey Trot prank is grounds for a breakup, servers flipping tables over terrible tips, the Diddy Documentary, Amy Schumer filing for divorce, and how Weight Watchers has caved to selling GLP-1s. The end of the episode features a Patreon Preview. Join the Patreon to support the show and get extra & ad free episodes here OR on Apple & Spotify Podcasts:⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.patreon.com/twostandupgals⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Submit your questions here: ⁠⁠⁠⁠⁠⁠Twostandupgals@gmail.com⁠⁠⁠⁠⁠⁠E & T GREECE TRIP! Crete, Greece (June 5th-11th, 2026): ⁠⁠⁠⁠https://cretegreecewithericaandteresa.my.canva.site/⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠We only have a few spots left and may add another group for a different week! Fill out the form if you'd like to receive the info: ⁠⁠⁠⁠https://forms.gle/bNcNaVpC81onJx8VA⁠⁠⁠⁠ITALY TRIP! Oct 9th – Oct 17th, 2026 Venice, Florence, & Rome, ($100 discount until end of December) Itinerary & sign ups here: ⁠⁠⁠⁠⁠⁠https://groups.goaheadtours.com/tours/erica-spera-vfsg2026⁠⁠⁠⁠⁠⁠Not interested in Greece or Italy? Take our Travel Survey here: ⁠⁠⁠⁠⁠⁠https://forms.gle/mYY5Ss7szCowAj2u8⁠⁠⁠⁠⁠⁠Watch full episodes on our YouTube Channel Here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/@TwoStandUpGalsPodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠