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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

It's the first Final Furlong Podcast weekend preview of 2026, and Emmet Kennedy is joined by Andy Newton, George Gorman, and Peter Michael to take apart the feature races at Kempton, Warwick, and Fairyhouse on ITV Racing. There's only one problem:Will the weather let racing happen at all? Ice, frost, inspections and uncertainty hover over the cards… But if we go ahead — we've got some serious value lined up.

Gary Zimmerman of Max® explains how to utilize your cash asset in retirement. Cash is one of the most overlooked assets in retirement. Here's how retirees can earn thousands more in interest while keeping their money safe and FDIC-insured. Many retirees spend years carefully managing their investments — stocks, bonds, and retirement accounts get plenty of attention. But there's one asset class that often gets ignored: cash. In this episode of Retire Today, I'm joined by Gary Zimmerman, founder and CEO of Max® to talk about why so many Americans are earning next to nothing on their bank money — and how that quiet mistake can cost retirees tens of thousands of dollars over time. As Gary explains early in the conversation, “People think that the bigger the bank, the safer it is. And that's patently not true.” In fact, many of the banks that failed during past financial crises were among the largest institutions. Why Cash Matters More in Retirement Cash plays a unique role in retirement. It provides liquidity, stability, and peace of mind — especially when markets are volatile. But that doesn't mean cash has to sit idle. Gary shared that after years as an advisor, he started getting a flood of calls from clients during the COVID period. Their CDs were maturing, and rates were dropping instead of rising. “They were missing out on thousands of dollars in interest,” he said. At the same time, trillions of dollars across the U.S. were sitting in bank accounts earning close to zero — while other savers were earning closer to 4% in the same type of FDIC-insured accounts. That gap is not about risk. It's about awareness and access. FDIC Insurance: Safety Without Sacrificing Yield One of the most important parts of the conversation focused on FDIC insurance. Many people believe that as long as their money is at a big-name bank, it's automatically safe. But FDIC insurance has limits — typically $250,000 per depositor, per bank, per ownership category. As I shared in the episode, I regularly see “everyday millionaires” with far more than $250,000 sitting in bank-type accounts — without full insurance coverage. Gary explained how spreading cash across multiple institutions increases FDIC protection and improves interest rates at the same time. “The more diversified you are, the more guarantees you get from the FDIC,” he said. Why Banks Pay So Little (And Why They Can) A question many retirees ask is simple:If higher rates exist, why don't banks automatically pay them? Gary's answer was refreshingly blunt. Banks don't raise rates unless they need your money. When a bank pays 0.1% or 0.2%, it's often a signal: “They're telling you they don't want your money.” Online banks, smaller institutions, and rate marketplaces compete aggressively for deposits — and that competition benefits savers who are willing to look beyond their local branch. As Gary put it, “There's an actual market for your money. Just like selling a house, you have to put your money on the market to get the best price.” DIY vs. Using a Service Could retirees do all of this on their own? Yes.But should they? Gary compared the process to constantly switching phone plans or insurance providers. It works — but it requires attention, time, and discipline. Rates change, banks create teaser accounts, and some institutions quietly lower yields after a few months. Max® was designed to automate that process. As Gary described it, the goal is to “spend five or ten minutes thinking about cash, then never think about it again.” For many clients, that convenience translates into meaningful results. Gary shared that a retiree with $250,000 in cash could earn roughly $10,000 more per year, or $100,000 over a decade, simply by managing cash more effectively. The Behavioral Finance Problem Nobody Talks About One of my favorite parts of the conversation focused on behavioral finance. People say they like their bank because it feels familiar. But when asked how they actually interact with it, the answer is usually: “I use the app.” At that point, loyalty becomes expensive. As Gary summed it up, “The bank owes you nothing. You owe the bank nothing.” Your savings should work as hard as you did to earn it. The Bottom Line Cash isn't boring — it's powerful when used correctly.For retirees, optimizing cash can mean more flexibility, less risk, and thousands of dollars in additional income over time — without chasing returns or increasing exposure. Don't forget to leave a rating for the “Retire Today” podcast if you've been enjoying these episodes! Subscribe to Retire Today to get new episodes every Wednesday. Apple Podcasts: https://podcasts.apple.com/us/podcast/retire-today/id1488769337 Spotify Podcasts: https://bit.ly/RetireTodaySpotify About the Author: Jeremy Keil, CFP®, CFA® is a financial advisor in Milwaukee, WI, author of the bestseller Retire Today: Create Your Retirement Master Plan in 5 Simple Steps and host of both the Retire Today Podcast and Mr. Retirement YouTube channel Additional Links: Buy Jeremy's book – Retire Today: Create Your Retirement Master Plan in 5 Simple Steps Gary Zimmerman on LinkedIn Max®: Your Best Interest Create 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

Novice chasers stole the show over Christmas - and now we need to separate hype from hard truth. On this week's Final Furlong Podcast, Emmet Kennedy, Adam Mills, and Jamie Wrenn break down the headline performances from Kempton, Leopardstown, Punchestown, and Limerick — and what they could mean for Cheltenham Festival 2026. Data-led, opinionated, and packed with value angles, this is the ultimate festive novice chase review.

The Christmas racing is done. Now it's time to work out what actually matters. On this week's Final Furlong Podcast, Emmet Kennedy, Adam Mills, George Gorman, and Jamie Wrenn review the key races, performances, and Cheltenham implications from a fascinating festive period packed with Grade 1s, shocks, and strong opinions.

Happy New Year!  In a special New Year's bonus episode, Jeff is joined by co-host Marcus Perkal to discuss goals, Family, 2025 highlights (both personal and professional),  favorite wrestling experiences/moments, and so much more! You can also listen to this podcast on Apple Podcasts, Spotify Podcasts, IHeartRadio, Amazon Music, Youtube...and most places podcasts are available. Video podcast form is available on Spotify or on YouTube @everybodyhasastorypod If you would like to purchase a podcast shirt, DM the show on Instagram @everybodyhasastorypod For more information on the podcast, check out:jeffseltzer.com

“Losing Doe B still hurts everybody” ~ CBM Soulja  CBM Soulja sits down with Lalaa Shepard of The Progress Report for a powerful and emotional conversation about life, loss, and resilience. In this interview, CBM Soulja opens up about learning of Doe B's passing while he was incarcerated, the pain of losing a close friend, and the impact it had on his life and mindset.  He reflects on beating two life sentences, being locked up while trying to maintain family ties, and the emotional toll of navigating those moments publicly and privately. The conversation also dives into his upbringing in Montgomery, Alabama, his early journey into music, and the deep bond he shared with Doe B — including how Doe B influenced his sound and career. CBM Soulja discusses new music, including his project Turkey Bag Muzik featuring Doe B and Lil Daddy, and speaks on how his experiences shaped the direction of the project.  He also opens up about fatherhood, losing close friends, social media's impact on real relationships, and the importance of growth, accountability, and purpose. 

Jeremy Keil explains the 5 steps you can take if you are planning to retire in 2026 or 2027. If you've been planning to retire in 2026 or 2027, it might feel like you still have plenty of time. But in reality, retirement has a way of showing up earlier than expected — and when it does, the people who feel the most confident are the ones who prepared well in advance. In this episode of Retire Today, I walk through five things you should do before you quit working if retirement is anywhere on your near-term horizon. These steps aren't about picking a perfect retirement date. They're about being ready — even if your plans change. Why You Should Prepare Earlier Than You Think Two important statistics shape this entire conversation. First, the stock market is historically up about 70% of the time in any given year. That also means it's down about 30% of the time. If you're retiring soon, there's a real chance that your account balances could be lower at retirement than they are today. Second, most Americans retire about three years earlier than they expect. Health changes, job shifts, burnout, or family needs often move retirement forward — whether planned or not. That's why I encourage people to prepare for retirement three years ahead of time, even if they believe they'll work longer. Planning early gives you flexibility. Waiting too long removes it. 1. Create a Written Retirement Plan The first and most important step is to put your plan in writing. Many people have a retirement date in mind, but when asked how everything will actually work, they don't have clear answers. A written plan forces clarity. This is where the 5-Step Retirement Plan comes in: What you'll SPEND What you'll MAKE What you'll KEEP after taxes How you'll INVEST What you'll LEAVE behind Writing this down helps turn vague ideas into an actionable roadmap — and exposes gaps before they become problems. 2. Build a Lifetime Income Plan Retirement isn't about having a big account balance — it's about knowing where your income will come from every month. Before you retire, you should know: How much income you need Where that income will come from Which accounts you'll use first How taxes affect each withdrawal At a minimum, you should map out the first 12 months of retirement income in detail. That includes Social Security, pensions, savings, brokerage accounts, and retirement accounts — and the tax rules that apply to each one. Surprises here are costly. Planning removes them. 3. Make Your Retirement Plan Tax-Smart Many people assume their taxes will automatically go down in retirement. Sometimes that's true — but not always. Pensions, Social Security, required minimum distributions, and investment income can push retirees into higher tax brackets than expected. The key is understanding when you'll have flexibility and using it intentionally. Retirement often creates opportunities to: Shift income between tax years Take advantage of lower tax brackets Manage Roth conversions strategically Plan around healthcare subsidies Taxes don't disappear in retirement — they change. Planning ahead helps you adapt. 4. Plan Your Retirement Healthcare Healthcare is one of the biggest unknowns in retirement. Before you retire, you should know: What coverage you'll use immediately What it will cost How that coverage changes over time When Medicare becomes part of the picture Options may include employer coverage through a spouse, COBRA, retiree health plans, ACA plans, or Medicare — and each comes with different costs and rules. Healthcare planning isn't just about insurance. It's about understanding how medical costs interact with your tax plan and your income strategy. 5. Create a Retirement Investment Plan Retirement changes your investment timeline. You're no longer investing only for growth — you're investing for income and stability, too. That means separating your money into: Short-term funds for near-term spending Long-term investments for growth over decades Money you'll need soon shouldn't be exposed to short-term market swings. At the same time, money you won't need for many years still needs growth to keep up with inflation. The right investment plan balances both — and helps prevent panic decisions when markets get volatile. The Bottom Line If you're planning to retire in 2026 or 2027, now is the time to prepare. Not because something bad will happen — but because preparation gives you options. Retirement doesn't have to be so stressful. With a written plan, a clear income strategy, smart tax planning, healthcare clarity, and a thoughtful investment approach, you can step into retirement with confidence — whenever it arrives. Don't forget to leave a rating for the “Retire Today” podcast if you've been enjoying these episodes! Subscribe to Retire Today to get new episodes every Wednesday. Apple Podcasts: https://podcasts.apple.com/us/podcast/retire-today/id1488769337 Spotify Podcasts: https://bit.ly/RetireTodaySpotify About the Author: Jeremy Keil, CFP®, CFA® is a financial advisor in Milwaukee, WI, author of the bestseller Retire Today: Create Your Retirement Master Plan in 5 Simple Steps and host of both the Retire Today Podcast and Mr. Retirement YouTube channel Additional Links: Buy Jeremy's book – Retire Today: Create Your Retirement Master Plan in 5 Simple Steps Create your retirement master plan in 5 simple steps: www.5StepRetirementPlan.com  Connect With Jeremy Keil: Keil Financial Partners LinkedIn: Jeremy Keil Facebook: Jeremy Keil LinkedIn: Keil Financial Partners YouTube: Mr. Retirement Book an Intro Call with Jeremy's Team Media Disclosures: Disclosures This media is provided for informational and educational purposes only and does not consider the investment objectives, financial situation, or particular needs of any consumer. Nothing in this program should be construed as investment, legal, or tax advice, nor as a recommendation to buy, sell, or hold any security or to adopt any investment strategy. The views and opinions expressed are those of the host and any guest, current as of the date of recording, and may change without notice as market, political or economic conditions evolve. All investments involve risk, including the possible loss of principal. Past performance is no guarantee of future results. Legal & Tax Disclosure Consumers should consult their own qualified attorney, CPA, or other professional advisor regarding their specific legal and tax situations. Advisor Disclosures Alongside, LLC, doing business as Keil Financial Partners, is an SEC-registered investment adviser. Registration does not imply a certain level of skill or expertise. Advisory services are delivered through the Alongside, LLC platform. Keil Financial Partners is independent, not owned or operated by Alongside, LLC. Additional information about Alongside, LLC – including its services, fees and any material conflicts of interest – can be found at https://adviserinfo.sec.gov/firm/summary/333587 or by requesting Form ADV Part 2A. The content of this media should not be reproduced or redistributed without the firm’s written consent. Any trademarks or service marks mentioned belong to their respective owners and are used for identification purposes only. Additional Important Disclosures

In this episode, we explore the creative energy blueprint for 2026, a transmission centered on creativity, self-expression, and the emergence of a collective renaissance shaping the year ahead.Creativity & Self-ExpressionWe talk about creativity as a spiritual practice, the return of inner-child and creative genius aspects, and why authentic expression is essential for both personal liberation and collective innovation in this next phase of humanity. This conversation explores how creation is not only about what we produce, but about the process of allowing our soul's truth to move through the body and into form.This transmission is both an activation and a teaching, designed to help you feel, interpret, and embody the creative frequencies moving through 2026. Tune in to receive the codes, anchor the blueprint, and step fully into your role as a creator in this new era.

After 15 months, Zach Linder returns to the show.  This week, Jeff chats with Zach about attending celebrity conventions, favorite memories, Wayne Knight, pictures vs autographs, and a little Q&A at the end. You can also listen to this podcast on Apple Podcasts, Spotify Podcasts, IHeartRadio, Amazon Music, Youtube...and most places podcasts are available. Video podcast form is available on Spotify or on YouTube @everybodyhasastorypod If you would like to purchase a podcast shirt, DM the show on Instagram @everybodyhasastorypod For more information on the podcast, check out:jeffseltzer.com

E & T are back this week catching up on Erica's big headlining show in her hometown, and Teresa's reuniting with her Turkey Leg Speed Date with Q from Impractical Jokers. The gals talk about the challenges of performing in front of people you know, writing new material, staying clean, and how the late night comedy game has changed.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

“When Young Scooter passed away YKNIECE came in the picture and uplifted our whole spirit and energy because we thought it was kinda over…” ~ AMG Twinz  Twin brothers, Paris and China — AMG Twinz return to The Progress Report for a powerful and honest conversation about their journey, personal growth, and the moments that shaped their path. In this episode, the duo reflect on the passing of Young Scooter and the impact his loss had on their lives and energy. They open up about how YKNIECE entered the picture during a difficult time, bringing support, clarity, and renewed motivation when everything felt uncertain.  AMG Twinz also speak on being co-signed by Future, performing across major stages and tours, building relationships within the industry, and navigating high-profile relationships while staying grounded. From viral college performances and major concert moments to lessons learned in the music business, the twins share real insight on growth, resilience, and staying true to their word.  The conversation also dives into their new project “Dirty Birds,” released Christmas Day 2025, their vision for the future, and what “progress” truly means to them as artists and individuals. This episode is a must-watch for fans of authentic hip-hop stories, Atlanta culture, and artists pushing forward despite adversity. 

Jeremy Keil weighs the opportunities and risks associated with giving your money away to your kids and charity. Most retirees I talk with don't worry about whether they can give money away.They worry about whether they should. When you've worked hard, saved diligently, and reached a point where you have more than you need, a new question quietly creeps in:What's the purpose of the extra? In this episode of Retire Today, I walk through what I see every day in real retirement plans — the good, the bad, and the unintended consequences of giving money to kids and to charity. Because while giving can be deeply meaningful, it can also backfire if it's not done intentionally. Giving to Kids: Blessing or Burden? When it comes to kids, I hear two very common philosophies. One group says, “I'm not trying to leave money to my kids. If there's something left, that's fine.”The other says, “I worked hard for this money, and I want to make sure it helps my family.” Both sound reasonable. But what actually happens is often more complicated. In practice, most giving to kids happens by default, not by design — through inheritance. The problem is timing. If you pass away in your 80s or 90s, your kids are likely in their late 50s or 60s. Statistically, that's when incomes and net worth tend to be the highest. In other words, that may be the moment they need your money the least. I've also seen well-intentioned gifts create unintended pressure. Large down payments on homes can raise a child's lifestyle without raising their income — leading to higher expenses, more stress, and sometimes less financial stability. Giving feels generous, but it can quietly shift responsibility away from your kids and onto you. A better rule of thumb?Give in ways that remove a burden, not create one. Education costs, health care needs, or meaningful experiences often help without inflating expectations or expenses. Experiences, especially shared ones, tend to create far more joy — for you and for them — than writing a check and hoping it helps. Giving to Charity: Now, Later, or Both? Charitable giving tends to be more intentional, but still incomplete. Many people plan to leave money to charity someday, yet never think through what that looks like or how it fits into their broader retirement plan. Others give modest amounts each year but leave significant sums later — without ever telling the charities involved. What I've seen repeatedly is this:When people give with intention, their stress goes down and their satisfaction goes up. In fact, people who have clarity around where their money will go often feel lighter — as if a quiet financial worry has been resolved. When charities know they're part of your long-term plan, relationships deepen. You stay informed, feel more connected, and often find joy in seeing the impact of your giving while you're still here. There's also strong evidence that giving makes people happier. Whether happier people give more, or giving makes people happier, may be up for debate — but in practice, generosity consistently shows up alongside fulfillment. The Bigger Question Isn't “How Much?” Most people ask me, “How much can I give?”That's usually the wrong question. The better questions are: Should I give? When should I give? How do I give in a way that actually helps? Giving later through inheritance is easy. Giving earlier — thoughtfully and intentionally — is far more impactful. You get to see the benefit, adjust if needed, and align your money with what matters most to you. In retirement, money isn't just about security.It's about purpose. When giving is done well, it doesn't create regret — it creates meaning. Don't forget to leave a rating for the “Retire Today” podcast if you've been enjoying these episodes! Subscribe to Retire Today to get new episodes every Wednesday. Apple Podcasts: https://podcasts.apple.com/us/podcast/retire-today/id1488769337 Spotify Podcasts: https://bit.ly/RetireTodaySpotify About the Author: Jeremy Keil, CFP®, CFA® is a financial advisor in Milwaukee, WI, author of the bestseller Retire Today: Create Your Retirement Master Plan in 5 Simple Steps and host of both the Retire Today Podcast and Mr. Retirement YouTube channel Additional Links: Buy Jeremy's book – Retire Today: Create Your Retirement Master Plan in 5 Simple Steps “Die with Zero” by Bill Perkins Die With Zero by Bill Perkins | Discover the Ultimate Guide to Living Life to the Fullest – Mr. Retirement YouTube Channel “More Than Enough” by Dave Ramsey “The Millionaire Next Door” by Thomas Stanley and William Danko How much can I give my kids before paying IRS Gift Tax? – Mr. Retirement YouTube Channel What is the IRS gift tax limit in 2025? – Mr. Retirement YouTube Channel What is the IRS Gift Tax Limit for 2026? – Mr. Retirement YouTube Channel The “I Hate Budgets” Retirement Plan: Retire Intentionally with Zac Larson – Retire Today Podcast 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

Welcome to Pod Clubhouse’s newest Podcast, Book Club Meets Movie Night! Join the club and see the show! Each month, Caroline and Mike discuss a different book (usually a murder mystery) along with its TV show or movie adaptation. We hope you join us for our podcast book club! This month, we are discussing Bruce Holsinger's brand new novel and Oprah Book Club pick, Culpability! Culpability was first published by Spiegel & Grau on July 8, 2025. NOTE: There is no adaptation for this novel (yet) but we thought it was too timely a discussion to not have! And, when they do inevitably adapt it, we will certainly cover it! Our January Book will be Agatha Christie’s 1939 novel, And Then There Were None, and its 1945 movie adaptation, directed by René Clair! Listen, rate, review, and subscribe to Book Club Meets Movie Night: The Podcast on Apple Podcasts, Spotify Podcasts, or wherever you listen! Please leave a 5-Star Rating! Also, write in and leave us comments on PodClubhouse.com, we’d love to hear from you! ### Credits: Music: “The Closed Book” by Mike Nowa, licensed by Pod Clubhouse. Production: Book Club Meets Movie Night: The Podcast is a Pod Clubhouse original production, recorded and produced at Pod Clubhouse studios. This episode was edited by Caroline Daley and assembled by Michael Caputo.

It's one of the biggest days of the National Hunt calendar - Boxing Day / St Stephen's Day — and The Final Furlong Podcast is your complete betting guide to Kempton, Leopardstown and Limerick. Emmet Kennedy is joined by Andy Newton, Jamie Wrenn and Peter Michael for a fast-paced, opinion-packed preview featuring strong fancies, big prices, lively debate and the usual Christmas craic.

Welcome to the first of our Christmas Betting Guide Specials on The Final Furlong Podcast. Emmet Kennedy is joined by former Grade 1-winning jockeys Lizzie Kelly and Daryl Jacob, alongside racing analyst Jamie Wrenn, for a deep, opinionated, price-led preview of the biggest races of the festive period. Grade 1 clashes, major handicaps, bold views, and four Christmas NAPs — this is essential listening if you're betting over Christmas.

One is 4 minutes older, the other is 1/8th of an inch taller.  This week, Jeff chats with identical twins Eric and Ken about growing up together, who is more verbose, being in a class where 25% of the students were twins, the 1988 comedy "Twins," starring Arnold Schwarzenegger, and so much more! You can also listen to this podcast on Apple Podcasts, Spotify Podcasts, IHeartRadio, Amazon Music, Youtube...and most places podcasts are available. Video podcast form is available on Spotify or on YouTube @everybodyhasastorypod If you would like to purchase a podcast shirt, DM the show on Instagram @everybodyhasastorypod For more information on the podcast, check out:jeffseltzer.com

“Hardest tape since mixtapes”  Bally Baby and Hoodrich Keem return to Skipping Class, but this time they make history with their first-ever joint interview on the platform. The two sit down to talk about bringing real mixtape energy back to the culture with ‘BABY DRANK' navigating growth while protecting their peace, and what it means to evolve without losing authenticity. They reflect on their journey, early grind, creative chemistry, and how loyalty, consistency, and life lessons have shaped their careers.  Hoodrich Keem opens up about personal changes, artistic evolution, and staying focused while the industry shifts, while Bally Baby speaks on momentum, performance moments, and pushing the culture forward. The conversation also touches on Atlanta's music scene, collaboration, and what fans can expect next.  This episode marks a special milestone — both artists have been guests before, but this is the first time they've come together for a joint sit-down, making it a must-watch moment for supporters of real music and real stories. 

In a Final Furlong Podcast Special, Emmet Kennedy is joined by multiple Cheltenham Festival-winning trainer Barry Connell for a wide-ranging, no-holds-barred conversation — presented without commercial interruption by 1xBet Ireland. This is a rare, candid insight into Cheltenham planning, elite horses, and the realities of modern jump racing.

It's a Final Furlong Saturday Betting Special as Emmet Kennedy, Andy Newton, George Gorman and Peter Michael return with your complete Ascot & Haydock Racing Guide. Big handicaps, a Grade 1 centrepiece, strong opinions, and NAPs at proper prices — this is essential listening if you're betting this weekend.

“Glorilla the only person in this world who can say she wrote a song for me” ~ Kevo Muney  Memphis artist Kevo Muney sits down with Lalaa Shepard on Skipping Class, powered by The Progress Report, for a raw and personal conversation about his life, his music, and the mindset it took to keep going. Kevo Muney reflects on growing up in Memphis, learning the realities of the city early, and how experiences around Beale Street helped shape his perspective.  He opens up about the passing of his sister, how loss impacted him, and how family dynamics and responsibility influenced his grind before the music started gaining traction. Kevo also speaks on being misunderstood as an artist, carving out his own identity, and leveling up through major moments — including Glorilla writing for him and working alongside Moneybagg Yo — sharing what those experiences taught him about the industry, opportunity, and staying true to himself.  This episode is about pain, purpose, growth, and real Memphis stories — straight from the source. 

Jeremy Keil explains the top 3 tax efficient strategies for charitable giving in 2025. Most people give to charity because it's meaningful to them — not because of the tax break. And that's the right mindset. But if you're already giving, it makes sense to be intentional and structure that giving in a way that helps you keep more of your hard-earned money. In this episode of Retire Today, I walk through the top three charitable giving strategies for 2025, especially in light of new tax rules taking effect in 2026 and important changes already happening this year. With only a limited window left before year-end, now is the time to understand your options. The key is planning — not reacting in April. Why 2025 Is a Unique Giving Year Late in the year, you usually have a clear picture of your income and tax bracket. That makes it the perfect time to decide when and how to give. With upcoming changes like: A new 0.5% AGI floor on charitable deductions starting in 2026 A cap on the value of deductions for high earners A higher SALT deduction limit already in effect 2025 offers an opportunity to be proactive instead of passive. Depending on your income, it may make sense to pull future giving forward — or delay certain gifts until next year. But that decision should be made intentionally, not by default. Strategy #1: Bunch Your Charitable Deductions Bunching means combining multiple years of charitable giving into a single tax year to exceed the standard deduction and unlock itemized deductions. For example, if you normally give $10,000 per year to charity but don't itemize, you may get no tax benefit at all. But by contributing two to four years of giving in one year, you may be able to itemize and deduct the full amount. The most effective way to do this is through a donor-advised fund (DAF). A DAF lets you: Take the tax deduction now Give to charities later, on your preferred schedule Keep your giving consistent for the organizations you support This separates the timing of your tax deduction from the timing of your charitable gifts — a powerful planning tool when income fluctuates. Strategy #2: Donate Appreciated Investments Instead of Cash One of the most tax-efficient ways to give is donating long-term appreciated investments from a taxable brokerage account. When you sell an investment that has gone up in value, you owe capital gains tax. When you donate that same investment directly to charity (or to a donor-advised fund), you: Avoid paying capital gains tax Receive a charitable deduction for the full market value Remove a concentrated position from your portfolio This strategy is especially effective after strong market years like 2023, 2024, and 2025, when many investors are sitting on significant unrealized gains. To qualify, the investment must be held for more than one year (long-term capital gain). Many custodians automatically select the most tax-efficient shares when processing these donations, making the strategy easier to implement than most people expect. Strategy #3: Use Qualified Charitable Distributions (QCDs) For those age 70½ or older, Qualified Charitable Distributions are often the most powerful giving strategy available. A QCD allows you to send money directly from your traditional IRA to a qualified charity. That money: Never shows up as taxable income Can satisfy Required Minimum Distributions (once applicable) Reduces future RMDs by shrinking your IRA balance Many retirees make the mistake of taking IRA withdrawals, depositing the money into checking, and then writing checks to charity. That approach often increases taxable income, affects Social Security taxation, and can raise Medicare premiums — even if a charitable deduction is available. QCDs avoid those issues entirely by keeping the income off your tax return in the first place. Even if you're not yet subject to RMDs, starting QCDs early can still make sense if part of your regular spending includes charitable giving. Putting It All Together These three strategies often work best in combination: Use donor-advised funds to bunch deductions Fund those DAFs with appreciated investments Use QCDs once you reach age 70½ But none of this should be done blindly. The right approach depends on: Your income this year and next Whether you itemize or take the standard deduction Your charitable goals Your long-term retirement and tax plan The most important step is projecting your tax situation before the year ends and making decisions on purpose — not by default. Don't forget to leave a rating for the “Retire Today” podcast if you've been enjoying these episodes! Subscribe to Retire Today to get new episodes every Wednesday. Apple Podcasts: https://podcasts.apple.com/us/podcast/retire-today/id1488769337 Spotify Podcasts: https://bit.ly/RetireTodaySpotify About the Author: Jeremy Keil, CFP®, CFA® is a financial advisor in Milwaukee, WI, author of the bestseller Retire Today: Create Your Retirement Master Plan in 5 Simple Steps and host of both the Retire Today Podcast and Mr. Retirement YouTube channel Additional Links: Buy Jeremy's book – Retire Today: Create Your Retirement Master Plan in 5 Simple Steps “Trump's Big Beautiful Bill Could Change Retirement FOREVER!” – Mr. Retirement YouTube Channel “Maximize your Tax Benefits by BUNCHING Charitable Donations!” – Mr. Retirement YouTube Channel “How the SALT Deduction Cap Works If You Make Over $500,000 (2025 Tax Update)” – Mr. Retirement YouTube Channel “QCDs: The Tax-Smart Way to Give in Retirement (2025 Qualified Charitable Distributions Guide)” – Mr. Retirement YouTube Channel “What is the 2025 QCD Limit? (Qualified Charitable Distributions” – Mr. Retirement YouTube Channel 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

Alan Stoker is a world-renowned boat racer and the builder of Stoker Boats. An innovator whose career spans the formative decades of Mod VP outboard racing and tunnel-hull development, Stoker was raised in Southern California. This episode was recorded shortly after his third straight victory at the 2024 Parker Enduro. Stoker grew up immersed in boating through his father, John Stoker, owner of John's Custom Marine, where he began working weekends at just 11 years old. He started racing when his dad purchased a kneel-down racer from Ron Hill and spent time in the pits while his father crewed on the world speed record-holding Hustler jet engine boat. John Stoker also competed in the Parker Enduro with a Chrysler-powered Patterson, further cementing racing as a family pursuit. In 1976, when the first Evinrude V-6s were introduced, the Stokers bought a wood-plug Kona bottom, built a wood deck, and raced the Parker Enduro. A step up to a Witchcraft the following year, driving with Earl McKinney, saw the team win 12 out of 13 races. As competition in the V-bottom outboard ranks intensified, a partnership with Ron Baker of Baker Boats provided the Stokers with increasingly faster equipment. With the advent of modified V-bottoms, which eventually evolved into full-blown tunnel boats in the hugely popular Mod VP class, the Stokers were led to design what would become one of the most successful hulls of the era, the Stoker Sport Tunnel (SST) Mod VP. These boats are still being produced today by Eliminator Boats. For its 45 years in operation, John's Custom Marine remained a loyal Outboard Marine Corporation (OMC) dealer. During much of that time, Stoker was often the lone competitor powered by an OMC Evinrude. His many successes behind the wheel in Mod VP competition were rivaled only by his reputation as a highly skilled and innovative engine builder. Stoker later climbed back into the driver's seat alongside his old friend and longtime competitor, the late Greg Foster, to win the Parker Enduro in 2012 and again in 2017. The appeal of running a new V-8 Mercury on one of his 22-foot SST hulls led him to team up with boat owner John Roth, a partnership that dominated the event from 2022 through 2024. An attempt to tie old friend Todd Bowden's record of four consecutive Parker Enduro victories was ultimately thwarted in 2025, when Stoker was forced to withdraw at the last minute due to back issues. If history is any indication, Alan Stoker's story at the Parker Enduro is far from finished. Visit our website at www.powerboattalk.com  View the video for this episode: www.youtube.com/@powerboat_talk  Follow us on Instagram @powerboattalk  and Facebook @Powerboat Talk  Contact me: powerboattalk@gmail.com You can listen to Powerboat Talk on youtube and most podcast players like Apple Podcasts, Youtube Music, Spotify Podcasts, Pandora, Amazon Podcasts, Audible, iHeart Radio, Podtail, Audacy, Google Podcasts, Tune In Radio  

E & T are back this week talking about Therapy Jeff calling out Mel Robbins "Let Them" theory, why nobody is a "good villager" anymore, accepting that some people will never host or coordinate plans, and navigating complicated family dynamics and politics this holiday season. The gals discuss a viral Father of the Bride speech where the man throws on a MAGA hat disregarding his daughter's wishes. Teresa shares her "Chubbs Peterson" story that caused a big family fight during Thanksgiving. The end of the episode features a Patreon Preview.Therapy Jeff videos we're referencing:Thanksgiving video: https://www.instagram.com/p/DRw1aPJkbeK/ General thoughts on Mel: https://www.instagram.com/reel/DQJzi6KEXgt/ Father of the Bride speech: https://www.instagram.com/p/DPzJqRIjAuk/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

This week on The Final Furlong Podcast, Emmet Kennedy and Lizzie Kelly are joined by one of the defining figures of modern jump racing. A four-time Champion Jockey, Cheltenham Gold Cup winner, the second most successful rider in National Hunt history, and now a successful syndicate owner - Richard Johnson.

Jeff is joined by his buddy Marcus as a co-host this week, chatting with Mark Andrews.  They discuss the rise of AI, Mark's venture, creative uses of AI, and a reminder to always double check your results! You can also listen to this podcast on Apple Podcasts, Spotify Podcasts, IHeartRadio, Amazon Music, Youtube...and most places podcasts are available. Video podcast form is available on Spotify or on YouTube @everybodyhasastorypod If you would like to purchase a podcast shirt, DM the show on Instagram @everybodyhasastorypod For more information on the podcast, check out:jeffseltzer.com

Dallas, TX rapper HeadHuncho Amir pulls up for an in-depth conversation with Lalaa Shepard on Skipping Class presented by The Progress Report, where he breaks down his journey, mindset, and vision for longevity in the music industry. In this interview, HeadHuncho Amir talks about growing up in East Dallas, how the city shaped his sound, and the moment he knew it was time to take music seriously.  He opens up about discipline, choosing not to drink or smoke, prioritizing his health, and staying focused while navigating the pressures of the industry at a young age. He also reflects on being one of the first artists from his neighborhood to get signed, the grind behind his progress, his musical influences, and why growth — both personally and artistically — matters more than chasing trends. Amir gives flowers to those who paved the way, including Rich Homie Quan. This episode is about progress, purpose, and playing the long game. 

So many kids, so little time… but they’re all so so talented, and representing their countries in the Junior Eurovision Song Contest being held on Saturday 13 December (5pm CET) in Tbilisi. Michael and Io preview the second half of this year’s Contest and there’s a lot to talk about. Michael has a Book Week favourite and Io laments the loss of kid-first songs. But what do you think? Make sure you vote at jesc.tv! What do Michael and Io want back next time? Which song has Io positively beaming? Which country might need an intervention? Get involved Watch the show on YouTube (live from 3am AEST on 14 December) Listen to the songs on your preferred platform Watch the video by following the link 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 North Macedonia: Nela Mancheska – Miracle      Montenegro: Asja Džogović – I Tužna i Srećna Priča [Both a Sad and a Happy Story]      Italy: Leonardo Giovannangeli – Rockstar      Portugal: Inês Gonçalves – Para Onde Vai o Amor? [Where Does Love Go?]      Spain: Gonzalo Pinillos – Érase Una Vez (Once Upon a Time)      Georgia: Anita Abgariani – Shine Like a Star      Cyprus: Rafaella & Christos – AWAY      France: Lou Deleuze – Ce Monde [This World]      Albania: Kroni Pula – Fruta Perime [Fruits and Vegetables]      The post Previewing the second half of Junior Eurovision Song Contest 2025 appeared first on JOY Eurovision.

It's a Final Furlong Betting Special with Emmet Kennedy, Andy Newton, George Gorman & Jamie Wrenn — your full Saturday Racing Guide across Cheltenham and Doncaster, featuring big-price NAPs, bold opinions, and Emmet's ambitious Lucky 63. If you're betting this weekend, this is essential listening.

Jeremy Keil explores 7 money moves you can consider before the new year to lower your taxes and keep more of your money in retirement. Every December, people scramble to finish holiday shopping, travel plans, and year-end tasks. But one of the most important deadlines — your December 31st tax deadline — often gets overlooked until it's too late. And once the calendar flips to January 1st, many of the smartest tax moves disappear. In this episode of Retire Today, I walk through seven year-end tax steps you should consider to make sure April brings fewer surprises and more savings. With new tax laws taking effect, the stock market sitting near all-time highs, and contribution limits shifting in the coming years, this is the perfect moment to take control of your finances. 1. Manage Your Tax Bracket Before the Year Ends Your income may fluctuate from year to year — especially in retirement. Some retirees have unusually high-income years due to bonuses, pension payouts, early retirement packages, stock vesting, or unexpected distributions. Others have abnormally low-income years. If you're experiencing a higher income year, now is the time to pull deductions forward. Charitable giving, donor-advised fund contributions, and other deductible expenses can help lower your taxable income. If you're in a lower income year, you might choose to accelerate income instead — such as doing a Roth conversion or taking extra withdrawals at a better tax rate. Year-end planning starts with projecting your tax return and understanding which direction to go. 2. Harvest Capital Losses — and Sometimes Gains Even in years when the market is high overall, you may still have individual positions sitting at a loss. Harvesting those losses can offset gains or reduce taxes now or in the future. On the flip side, some retirees find themselves in the 0% long-term capital gains bracket, which creates the perfect opportunity to harvest capital gains on purpose. When you're in a low tax bracket and gains cost nothing, you can reset your cost basis without additional tax. This is one of the most underused year-end strategies — especially when markets have been climbing. 3. Review Mutual Fund Capital Gain Distributions Many mutual funds issue their capital gain distributions in December. You may not receive the money in cash, but it still counts as taxable income. Look up the estimated year-end distributions from your fund companies and double-check your brokerage account. Mutual fund distributions have surprised many retirees — and they can lead to unnecessary underpayment penalties if tax withholding isn't adjusted in time. 4. Get Your Tax Withholding Correct Years ago, tax underpayment penalties weren't a big deal. But with high interest rates today, penalties now operate more like expensive interest charges for not paying taxes in the proper quarterly schedule. If you expect to owe money for 2025, you may want to adjust withholding from your paycheck, pension, Social Security, or IRA distributions. For retirees over 59½, using IRA withholding is one of the easiest ways to catch up — and it is treated as if it was paid evenly all year. To avoid penalties, don't wait until spring. Make corrections before December 31st. 5. Use Qualified Charitable Distributions (QCDs) If you're age 70½ or older, QCDs allow you to donate directly from your traditional IRA to charity tax-free. This is often better than taking withdrawals and giving afterward — especially if you use the standard deduction. Even if you're not yet required to take RMDs, QCDs can reduce your future RMD burden and help you give in a more tax-efficient way. With 2025 bringing updated QCD limits and ongoing rule changes, it's smart to review your giving strategy now. 6. Make Annual Exclusion Gifts Before Year-End In 2025, the annual exclusion gift limit is $19,000 per person — and it remains the same for 2026. If you're planning to help your children or grandchildren, consider spreading the gifts across the end of this year and the beginning of next year to maximize tax-free amounts. For education planning, 529 plans also allow “superfunding,” letting you front-load up to five years' worth of gifts. Year-end is an ideal time to execute these strategies thoughtfully. 7. Rebalance Your Investments (Especially After a Big Market Year) When markets rise sharply, your portfolio may drift into a risk level you never intended. A portfolio that started at 60% stocks may now sit at 68% or higher. That's more risk than you signed up for — especially if you are nearing retirement. Rebalancing is a critical part of your year-end checklist. It brings your risk back in line, prepares your portfolio for the next year, and supports the long-term stability of your retirement plan. The Bottom Line Year-end planning isn't just about taxes — it's about taking control. Whether it's adjusting your income, harvesting gains or losses, fixing withholding, giving strategically, gifting to family, or rebalancing your investments, December is your opportunity to make meaningful changes before the window closes. Don't let the deadline sneak up on you. Start now so April feels predictable — not painful. Enjoying these episodes? Make sure to leave a rating for the “Retire Today” podcast if you've been enjoying these episodes! Subscribe to Retire Today to get new episodes every Wednesday. Apple Podcasts: https://podcasts.apple.com/us/podcast/retire-today/id1488769337 Spotify Podcasts: https://bit.ly/RetireTodaySpotify About the Author: Jeremy Keil, CFP®, CFA® is a financial advisor in Milwaukee, WI, author of the bestseller Retire Today: Create Your Retirement Master Plan in 5 Simple Steps and host of both the Retire Today Podcast and Mr. Retirement YouTube channel Additional Links: Buy Jeremy's book – Retire Today: Create Your Retirement Master Plan in 5 Simple Steps “QCDs: The Tax-Smart Way to Give in Retirement (2025 Qualified Charitable Distributions Guide)” – Mr. Retirement YouTube Channel Create 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

"I wanted to take the risk of the trial instead of pleading guilty to a couple of chargers I didn't do" ~ Ca$h Out  Exclusive Interview: Cash Out calls in from prison to speak with Lalaa Shepard of The Progress Report in his first in-depth conversation since receiving a life sentence.  In this powerful and emotional discussion, Cash Out reflects on:  Why he chose to go to trial instead of taking a plea  • His thoughts on the justice system and public reaction  • Misconceptions surrounding his name  • His experiences being locked up for years  • Cellmate stories, including Lil Durk & YFN Lucci  • Fatherhood, family, and what he hopes people understand about his journey  This conversation is presented with sensitivity and respect to all parties involved. Our intention is to give Cash Out space to share his perspective while acknowledging the seriousness of the charges and the impact of all lives affected.  Interview by: LaLaa Shepard  Platform: The Progress Report Media Group  Recorded directly via prison call  If you support honest conversations, accountability, growth, and storytelling from all sides, make sure to watch, comment, and subscribe. Follow us online:  https://x.com/therealcashout?s=21&t=iVxHknjSJvlDB0qQHy7MIg 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

Emmet Kennedy is joined by Lizzie Kelly and Jamie Wrenn for one of the most forensic, data-rich, insight-heavy National Hunt deep dives we've ever done. If you follow the Champion Chase, Arkle, Ryanair, Baring Bingham, or Brown Advisory markets — this episode is essential listening.

Jeff is back with some fun topics as he flies solo.  He chats about his Black Friday experiences over the last 30 years, Stranger Things, Pop Music, getting laid off, a tribute to the MWO, and More! You can also listen to this podcast on Apple Podcasts, Spotify Podcasts, IHeartRadio, Amazon Music, Youtube...and most places podcasts are available. Video podcast form is available on Spotify or on YouTube @everybodyhasastorypod If you would like to purchase a podcast shirt, DM the show on Instagram @everybodyhasastorypod For more information on the podcast, check out:jeffseltzer.com

It’s time to celebrate children’s talent as the Junior Eurovision Song Contest lands for another year. Michael and Io preview the first half of this year’s Contest, being held on Saturday 13 December (5pm CET) in Tbilisi. Who’s getting the party started? What’s medicine got to do with it? Where are the adults in children’s clothing? Get involved Watch the show on YouTube (live from 3am AEST on 14 December) Listen to the songs on your preferred platform Watch the video by following the link 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 Malta: Eliza Borg – I Believe    Azerbaijan: Yağmur – Miau Miau [Azeri: Meow Meow]    Croatia: Marino Vrgoč – Snovi [Croatian: Dreams]    San Marino: Martina CRV – Beyond the Stars    Armenia: Albert – Brave Heart    Ukraine: Sofia Nersesian – Motanka    Ireland: Lottie O’Driscoll Murray – Rúin [Gaelic: Secrets]    Netherlands: Meadow – Freeze    Poland: Marianna Kłos – Brightest Light    The post Previewing the first half of Junior Eurovision Song Contest 2025 appeared first on JOY Eurovision.

E & T are back this week talking about Amy Schumer deleting all the old photos of herself due to her recent weight loss, the pressure of how everyone in Hollywood appears to be shrinking, white knuckling body positivity, our experiences with brutal casting directors, and the mental toll of constantly looking at videos and photos of yourself on social media. The gals also discuss how comedy has changed to quantity over quality, the challenge of creating content constantly, and how everyone is now copying each other instead of trying to be original. Plus a Golden Bachelor Finale recap and Patreon Preview at the end of the episode. 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 are halfway sold out and may add another Greece trip 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/@TwoStandUpGalsPodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Spotify playlist here⁠⁠⁠ of the music we're listening to every week & reference on the podcast

It's one of the biggest Saturdays of the early jumps season and The Final Furlong team - Emmet Kennedy, Andy Newton, George Gorman and Peter Michael - deliver a fast-paced, opinion-packed betting preview for Sandown, Aintree, Huntingdon, and Cork. We start with the Tingle Creek Chase (3:00 Sandown) where Il Etait Temps is the odds-on favourite with 1xBet to give Willie Mullins another Grade 1 in a race he first won nine years ago. But L'Eau du Sud arrives race-fit after bolting up at Cheltenham. And Jonbon, already a dual winner of the Tingle Creek, bids to become only the second horse ever to win it three times. The panel have strong and divided views on who wins.

“We all our biggest enemies… I was in the way of myself” ~ Xanman  DMV artist Xanman pulls up to Skipping Class hosted by Lalaa Shepard with The Progress Report for a transparent and entertaining conversation about his journey in music.  He talks growing up in Landover, Maryland discovering music as a kid, and how his uncle — a drummer — helped shape his early sound. Xanman reflects on the DMV scene, the SoundCloud era, his earliest projects, and how his style, flow, and confidence evolved over the years.  He also opens up about his creative process, the pressure of going viral young, and learning to stop being his own biggest obstacle. He also tells the story behind spending $40K at the strip club, his new album ‘Only Way Out', and responds to controversy surrounding bringing his Goonew's body to the club after his passing.  Instagram:  https://www.instagram.com/xanservin/ 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

A Final Furlong Podcast Special with 1xBet Ireland, recorded live at the Curragh Racecourse: One of racing's sharpest analysts, Gavin Lynch, returns to join Emmet Kennedy for a full deep-dive into everything we've learned so far from the new National Hunt season.

Emmet Kennedy is joined by Adam Mills and Jamie Wrenn to review a fascinating weekends racing, beginning with déjà vu in the Fighting Fifth: for the third time in four starts, Constitution Hill fell again — and so did his major rival The New Lion. At 22/1, Golden Ace picked up her second Grade 1 in eight months.So the big question is this: is Constitution Hill finished… or is there a way back for Nicky Henderson's superstar? We break down the race in forensic detail, ask whether The New Lion actually enhanced his Champion Hurdle claims despite falling, and debate what the future holds for Anzadam. Then:Three Hatton's Graces. Six Grade 1s. Still only eight.Are racing fans guilty of underrating Teahupoo every single season? And what do the panel make of Ballyburn suddenly cut to 2/1 for the Stayers Hurdle? Is he really the right favourite… or was Impose Toi the more convincing long-distance prospect at Newbury? We then head to Fairyhouse: Romeo Coolio gave Gordon Elliott a tenth Drinmore, but one of the team thinks he's Gordon's next megastar – and the other two strongly disagree. Wendigo vs No Questions Asked produced a proper battle in the John Francome – but what does it mean for next steps? Jimmy Du Seuil, rated 155 over hurdles, jumped like a veteran on chase debut. But does that justify 10/1 for the Brown Advisory? Plus reaction to a huge few days on both sides of the world: Mange Tout (G3 Juvenile Hurdle) Koktail Brut (Royal Bond) Tutti Quanti (Gerry Feilden) Panic Attack (Gold Cup Handicap Chase at 16/1) And an extraordinary Japan Cup: Calandagan travels halfway around the world, beats the best of Japan, and bags a £2.3 million bonus. Adam explains why trainer Francis Graffard is a genius. Full races discussed:Fighting Fifth Hurdle (G1), Hatton's Grace (G1), Long Distance Hurdle (G2), Drinmore (G1), John Francome (G2), Beginners Chase, Juvenile Hurdle (G3), Royal Bond (G2), Gerry Feilden, Gold Cup Handicap Chase, Japan Cup (G1). Presented by 1xBet.ie – more than 7000 events per day, fast withdrawals, and new customer specials. The link to 1xBet.ie is here: ⁠https://cutt.ly/0r7bzDoH⁠ 18+. T&Cs apply. Gamble responsibly. 1xBet knows the craic. Bet with your head, not above it. ⚡ Proven Form: Winners tipped recently at 20/1, 16/1, 14/1, 12/1, and 10/1.

“On the creative side… make sure you love what you're doing, it's a lot of smoke and mirrors” ~ TM88 “Success ain't overnight, its ok to have a job to get by, don't care about what people think” ~ Fuse 808 Mafia  The Progress Report presents its latest edition of Skipping Class joined by super producers TM88, Fuse of 808 Mafia, Mucho, Slugg, Mayhem, Tre Pounds & Mac all representing Crash Dummy Records for a powerful and unfiltered conversation about ATL culture, producer respect, and the stories behind their biggest hits. Hosted by Lalaa Shepard, this interview dives into:     •    Atlanta's influence on hip-hop     •    Their legacy as producers     •    The making of classic records with Future, Young Thug, Cardi B, Bad Bunny, YFN Lucci, Young Scooter, Travis Porter, Rich Homie Quan, and more     •    The emotional and business realities of being a producer     •    Industry pressures, creativity, and longevity They also give an exclusive breakdown of their upcoming project ‘FILA' — a dedication to Atlanta featuring a mix of several Atlanta artists and hosted by mixtape legends Trap-A-Holics and DJ Pretty Boy Tank featuring the likes of Baby D, OJ Da Juiceman, Yung Ralph, Travis Porter, Tracy T, Future, T.I., 2 Chainz, Sleepy Brown, Pastor Troy, Yung LA, Shad Da God, Jose Guapo, F.L.Y., Anycia, Waka, Fabo, Sonny Digital, Bobby Kritical, etc ‘FILA' represents their love for the city, their impact on the culture, and their commitment to showcasing Atlanta talent at the highest level. This interview is essential for artists, producers, engineers, managers, and fans who want to understand the heartbeat behind modern Atlanta music. Hosted by: Lalaa Shepard Series: Skipping Class Platform: The Progress Report Media Group Instagram:  https://www.instagram.com/crashdummyinc/  https://www.instagram.com/lalaashep/  https://www.instagram.com/theprogressreport101/  https://www.instagram.com/tprmediagroup1/  Website:  Listen to us on Apple Podcasts https://podcasts.apple.com/us/podcast/the-progress-report-podcast/id1494070183  Home : The Progress Report Media GroupEmpowering Stories, Amplifying Voices - Your Source for Exclusive Urban Media Insightstprmediagroup.comListen to us on Spotify Podcasts https://open.spotify.com/show/5sBgF6wWa7NmHraP2QuBEv?si=a0f5f19b8a494fb5 Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to Pod Clubhouse’s newest Podcast, Book Club Meets Movie Night! Join the club and see the show! Each month, Caroline and Mike discuss a different book (usually a murder mystery) along with its TV show or movie adaptation. We hope you join us for our podcast book club! Peacock This month, we are discussing Andrea Mara's 2021 novel, All Her Fault, and the 2025 Peacock limited series of the same name!  Our December Book will be Bruce Holsinger’s Culpability! Listen, rate, review, and subscribe to Book Club Meets Movie Night: The Podcast on Apple Podcasts, Spotify Podcasts, or wherever you listen! Please leave a 5-Star Rating! Also, write in and leave us comments on PodClubhouse.com, we’d love to hear from you! ### Credits: Music: “The Closed Book” by Mike Nowa, licensed by Pod Clubhouse. Production: Book Club Meets Movie Night: The Podcast is a Pod Clubhouse original production, recorded and produced at Pod Clubhouse studios. This episode was edited by Caroline Daley and assembled by Michael Caputo.

It's one of the most anticipated weekends of the jumps season with Constitution Hill, Golden Ace, The New Lion, Anzadam, and a stacked supporting cast across Newcastle, Newbury and Fairyhouse - and Emmet Kennedy is joined by Andy Newton, George Gorman and Peter Michael to break down a sensational Saturday of racing. We start with the Fighting Fifth Hurdle (2:00 Newcastle) — a race that looks like it could define the early Champion Hurdle picture.Constitution Hill's seasonal return, The New Lion stepping up, Golden Ace bringing champion credentials, and Anzadam adding serious pace. The panel agree it's down to two horses, and three of them are firmly in the same camp. At Newbury, Myretown heads the betting for the Hennessy Gold Cup, but the team make the case for a trio of big-priced alternatives at 12/1, 22/1 and 28/1. There's proper disagreement, bold opinions and deep angles on pace, trends and stamina. Punters get plenty to work with:• George's NAP double pays 17/1• Peter's NAP is a 5/2 shot• Andy fires a 10/1 NB plus 9/2, 5/1 and 7/4 bets• Emmet rolls out a Lucky 31 including 16/1, 13/2, 20/1, 7/2 and 7/4 selections Presented by 1xBet.ie – more than 7000 events per day, fast withdrawals, and new customer specials. The link to 1xBet.ie is here: ⁠⁠https://cutt.ly/0r7bzDoH⁠⁠ 18+. T&Cs apply. Gamble responsibly. 1xBet knows the craic. Bet with your head, not above it. We also preview:• 1:40 Newbury – Bet £10 Get £50 Handicap Hurdle• 2:15 Newbury – Gerry Feilden Intermediate Hurdle• 3:15 Newcastle – Rehearsal Chase (Premier Handicap)• 3:35 Newbury – Jim Joel Memorial Trophy• 2:36 Fairyhouse – Hatton's Grace Hurdle (G1) With value plays, sharp stats, confident NAPs, lively debate and plenty of laughs, this is essential listening before placing your weekend bets. ⚡ Proven Form: Winners tipped recently at 20/1, 16/1, 14/1, 12/1, and 10/1.

E & T are back this week talking about their Halloween weekend fails, the Housewives of Salt Lake City, and why we need to let Obama and Michelle retire. The gals discuss Eat Pray Love and if they really believe traveling helps you "find yourself", and Erica has a run in with a comedy agent who tries to steal the gig from his client. 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 are halfway sold out and may add another Greece trip 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, ($125 discount until end of November) 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/@TwoStandUpGalsPodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Spotify playlist here⁠⁠ of the music we're listening to every week & reference on the podcast

The Tattersalls December Sales shape the global Thoroughbred market - and this year's renewal is one of the most important in recent memory.In this Final Furlong Tattersalls Special, Emmet Kennedy is joined by Tattersalls Associate Director of Marketing, Jason Singh, for a deep, honest, data-driven look at the market: the polarisation, the firepower, the hidden gems and the broodmares who change everything. We begin with the state of the yearling market:• why 2025 was selective but strong,• how the top end stayed fierce,• and why the middle market was deeper than many expected.Jason explains how this will feed directly into this week's breeding stock sales, and why Kentucky's intensity has already shifted buyer behaviour in Newmarket. Then we turn to the Sceptre Sessions, highlighted by:• Porta Fortuna – Cartier Champion 3YO Filly and global blue-chip broodmare prospect,• Tamfana, Barnavara, Choisya, Survie, Tiffany – an elite group rarely assembled in a single catalogue.Jason details what it takes to build a collection of this depth, and how buyers now balance residual value with the upside of producing world-class runners. From there, we dive into value mares — the bargains that became stars:• Sunset Park (60,000 gns → G2 winner),• Sultanina, Sagely, Syndicate, Tidespring, Days of Summer, Zero Gravity, Icky Woo,and how the December Sale continues to produce broodmares capable of producing Royal Ascot winners, Group 1 stars, and international champions. We also tackle the high-end market:• Immortal Verse,• Quiet Reflection,• and the seven-figure mares who shape investor confidence and global trends. Jason breaks down:• what makes a mare a hidden gem,• how data, biomechanics and conformation analytics are shifting valuations,• why smaller breeders should never fear the big stage,• and which categories are currently underrated and ripe for upside. From million-guinea superstars to 9,000gns producers of Group winners — this episode reveals why Tattersalls remains the most influential marketplace in the Thoroughbred world. If you want to understand where the industry is now and where it's going, this conversation is essential listening. Presented by 1xBet.ie – more than 7000 events per day, fast withdrawals, and new customer specials. The link to 1xBet.ie is here: ⁠https://cutt.ly/0r7bzDoH⁠ 18+. T&Cs apply. Gamble responsibly. 1xBet knows the craic. Bet with your head, not above it. ⚡ Proven Form: Winners tipped recently at 20/1, 16/1, 14/1, 12/1, and 10/1.

In this episode, I share a vivid channeled transmission from the Elohim, the Mayan Timekeepers, and the Blue Avians. This message came in fast, layered, and multidimensional—opening a deeper understanding of why our relationship with time feels so unusual right now and why so many of us are sensing timeline compression, expansion, and collapse all at once.I talk about the “time wound” connected to Atlantis, the collective feeling of racing an unseen clock, and the subtle ways this template activates stress in the body. You'll hear how these guides stepped in to recalibrate the field, introduce keycodes, and illuminate the shift from linear perception into multidimensional awareness.This episode invites you to breathe, listen, and feel what lands in your own system. If you've been questioning your experience of time lately—or noticing your inner rhythms changing—this transmission will meet you right where you are.Start the On-Demand Light Language Mentor Certification Course!https://www.activationswithjj.com/offers/n2JTjTWX/checkoutJoin the Activating Golden Atlantis Project! (Dec 12-14)https://www.activationswithjj.com/offers/U5k3WVdz/checkoutSign up for the SoCal Sacred Vibrations Retreat in Torrence, CA! (Dec 6)https://www.amaloa.com/product/sacred-vibrations-day-retreat/DDS6O4DNVD76WEJS3LMY3GWU?cs=true&cst=customBooks and Card Decks I Recommend! ⁠https://www.amazon.com/shop/activationswithjj/list/243RP6VEQS3EZ?ref_=aipsflist⁠Multidimensional 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

Guest: Brionca Williams IG: @brillywonkaHost IG @Selena_Marshae You + Happy IG @YouPlusHappyApple Podcasts: https://podcasts.apple.com/us/podcast...Spotify Podcasts: https://open.spotify.com/show/1ZefD87...You + Happy Ebook of Quotes: https://www.amazon.com/dp/B0BX22MGMG?...

It was a weekend packed with blockbuster jumps racing action at Punchestown, Ascot and Haydock, and Emmet Kennedy is joined by Grade 1–winning jockeys Lizzie Kelly and Daryl Jacob to break down every major talking point — the spectacular, the eyebrow-raising, and the genuinely confusing. We begin at Punchestown with the epic duel between Gaelic Warrior and Fact To File in the John Durkan Memorial Punchestown Chase, where Paul Townend delivered Willie Mullins his ninth win in 12 runnings of the race. We look at how the race was run, the moves that made the difference, what to make of Fastorslow, and how the returning Gold Cup hero Inothewayurthinkin shaped up.Most importantly: Where do Mullins' stars go next? At Ascot, Arkle winner Jango Baie powered home in the 1965 Chase — but is he now a serious King Georgecontender? Speaking of Kempton: The Jukebox Man remains unbeaten over fences after a fluent prep run in the same race Bravemansgame used before winning the King George. Who does the panel want to be with for Boxing Day/St Stephen's Day? Over at Haydock, Grey Dawning continued the red-hot start to the season for Dan Skelton with a bloodless win in the Betfair Chase. The question now: is he a genuine Gold Cup player? The Morgiana Hurdle saw Lossiemouth coast home, but did we actually learn anything? The panel debate her Champion Hurdle prospects, while Wodhooh, the mare she beat in the Aintree Hurdle, made a stylish return in a Grade 2 at Ascot. We assess her ceiling for the season. Plus:• Lizzie Kelly reveals the tracks she absolutely hated riding — with one described as “absolutely awful”• Daryl Jacob defends one of those tracks as one of his favourites (!) And of course: Horses To Follow from the weekend, selected with proper insight and real-world experience. Presented by 1xBet.ie – more than 7000 events per day, fast withdrawals, and new customer specials. The link to 1xBet.ie is here: ⁠https://cutt.ly/0r7bzDoH⁠ 18+. T&Cs apply. Gamble responsibly. 1xBet knows the craic. Bet with your head, not above it. ⚡ Proven Form: Winners tipped recently at 20/1, 16/1, 14/1, 12/1, and 10/1.

It's a blockbuster weekend of jumps racing across Ascot, Haydock, and Punchestown, and Emmet Kennedy is joined by Andy Newton, George Gorman, and Jamie Wrenn for a fast-paced, opinion-packed preview loaded with value bets, data-backed angles, and plenty of laughs. We kick off at Ascot with the 1965 Chase, where Il Est Français makes his British debut for Tom George. Can Pic D'Orhy land this race for the third year running? And how serious is the challenge from Arkle hero Jango Baie and the powerful Gidleigh Park? At Haydock, the Grade 1 Betfair Chase sparks a major split in the panel:Two are firmly against favourite Grey Dawning, while the other two are all-in on the Skelton star. Expect strong reasoning, sectional insights and a few angles you won't hear anywhere else. In the 1:15 Handicap Hurdle, the lads highlight 4/1, 5/1 and 11/2 players worth your attention, while in the 1:50 Graduation Chase, we debate whether The Jukebox Man is worth opposing on his comeback. Over at Punchestown, the Morgiana Hurdle brings Lossiemouth back to centre stage—does her appearance confirm a Champion Hurdle campaign? At Haydock's Stayers' Handicap Hurdle, the panel put forward 13/2, 11/1 and 22/1 selections, before returning to Ascot for the Ascot Hurdle, where Wodhooh is a warm favourite—good thing or trap? Then it's the big one: the Grade 1 John Durkan Memorial Chase, one of the deepest renewals in years.Fact To File, Fastorslow, Gaelic Warrior, Inothewayurthinkin, Heart Wood, Lecky Watson—stacked quality everywhere.And one of the team is strongly opposing the favourite with his best bet of the weekend. With bold opinions, measured analysis, longshot plays, and proper Festival-significance across three racecourses, this is the perfect setup for your weekend punting. Presented by 1xBet.ie – more than 7000 events per day, fast withdrawals, and new customer specials. The link to 1xBet.ie is here: ⁠https://cutt.ly/0r7bzDoH⁠ 18+. T&Cs apply. Gamble responsibly. 1xBet knows the craic. Bet with your head, not above it. ⚡ Proven Form: Winners tipped recently at 20/1, 16/1, 14/1, 12/1, and 10/1.

E & T are back this week talking about the new AI Spotify DJ, and how Jay Shetty and Mel Robbins are the new "Live, Laugh, Love", and Jameela Jamil's recent move back to London because of US beauty aging pressures of the industry. Teresa has set a new goal for herself of cleaning out and redoing her apartment furniture for the first time in 13 years. The gals discuss Babygirl and the power dynamics of sex, and Teresa shares her experience with getting breast reduction surgery. 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.com⁠*NEW GREECE TRIP! Crete, Greece June 5th-11th, 2026: ⁠https://forms.gle/bNcNaVpC81onJx8VA⁠ITALY TRIP! Oct 9th – Oct 17th, 2026 Venice, Florence, & Rome, ($125 discount until end of November) 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/@TwoStandUpGalsPodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Spotify playlist here⁠ of the music we're listening to every week & reference on the podcast

E & T are back this week talking about marathon signs, the Louvre jewel heist, and a big announcement that they've made a pivot and are hosting a trip to Greece! (no more Bali trip). Teresa is back from her parents big anniversary weekend and ready to Walk it Off about waiting in line culture. The NY Post's recent article claims waiting on line is the latest NYC trend. Teresa also shares her latest sober challenges. 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.com*NEW GREECE TRIP! Crete, Greece June 5th-11th, 2026: https://forms.gle/bNcNaVpC81onJx8VAITALY TRIP! Oct 9th – Oct 17th, 2026 Venice, Florence, & Rome, ($125 discount until end of November) 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/@TwoStandUpGalsPodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Spotify playlist here of the music we're listening to every week & reference on the podcast