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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

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.

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. 

From Valdosta, Georgia, rising artist Amber Shion joins The Progress Report for an honest and inspiring conversation about her journey in music.  Amber opens up about her musical influences, learning lessons along the way, and the moment she decided to take her music seriously in 2025. She shares how confidence, bold visuals, and staying authentic play a major role in her artistry — plus the unique support system behind her music, from her husband producing her beats to her mom helping her write.  The conversation also dives into work-life balance, maintaining her health and gym routine, navigating streaming growth, her first performance, dream collaborations, and a powerful message for women pursuing music. Amber explains why people should tap into her sound and helps define what “progress” truly means to her.  This episode is a must-watch for independent artists, creatives, and anyone focused on growth, confidence, and purpose.

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. 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 learned to always stay independent” ~ Big K.R.I.T.  In this powerful episode of Skipping Class, Big K.R.I.T. sits down with host Lalaa Shepard to reflect on his journey, creative independence, and the realities of the music industry. From dedicating an entire album to his beloved car Cadalee Biarritz to producing his own records, K.R.I.T. breaks down what it truly means to stay authentic in hip hop.  He shares stories about growing up in Meridian, Mississippi, learning to play the cello and tuba as a kid, and how Texas influenced his sound and career. K.R.I.T. speaks on driving country roads vs. city life, building commercials for his album, and the challenges of earning respect as both a rapper and producer.  The conversation gets real as he opens up about:  Mental health and the importance of therapy  Why ownership matters in the music industry  Lessons learned from being signed to a major label   His thoughts on the current state of hip hop  Why he believes hip hop artists need a union  Why he wasn't in Curren$y & Wiz Khalifa's “Jet Life” video  Breaking down his songs “Boring” and “Miami Bleu”  Collaborating with B.B. King  What brings him peace today  A special message to his fans  This is an honest, insightful look into the mind of one of hip hop's most respected independent artists. 

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.

December was busy in Eurovision land. Not only did FiKmas come, so did Montesong – Montenegro’s national final competition. It was a big one, with Tamara Živković getting over the line thanks to the jury and local televote. But what didn’t make it? Michael and Bryan headed to Crna Gora to meet the bangers that were ready to fly the flag in Vienna. Catch up on the show by streaming Montesong 2025 online. In this episode: Wonder how many ‘Yaas Queen!’ bangers are yet to come Investigate the role of Nordic songwriters in the Balkans Get the lowdown on this year’s drama Find out how close Lara was to winning 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 Đurđa – Dominos Luka Radović – Pjevaj, vilo [Sing fairy] Krstinja – Oli oli [Oh oh oh] LANA x ĐORĐE – Temperatura [Temperature] Lara Baltić – Rhythm boy The post Rise and shine: Reviewing Montenegro’s Montesong 2025 appeared first on JOY Eurovision.

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

When the Christmas decorations go up, you know it’s time for Albania’s most wonderful time of the year: FiKmas. And the 64th edition of Albania’s Festivali i Këngës ended up crowning Alis as its winner. Michael and Bryan take a quick dive into the Eurovision season’s first national selection competition to find out what else we could have heard in Vienna this year. If you missed the show or want to see the songs performed live, catch up on the FiK Nata Finale online. In this episode: Join the conversation about manchester Find out who hasn’t ended up in Kënga Magjike Meet Albania’s most popular instrumentalist Hear what couldn’t beat Alis 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 Vedat Ademi – KUR FJALA MBARON [WHEN THE WORD ENDS] FIFI & TIRI GJOCI – RRI [STAY] Sheila Haxhiraj – ZEMRA E TOKËS [HEART OF THE EARTH] Inis Neziri – TË KAM FAL [I FORGIVE YOU] The post Nân knows best: Reviewing Albania’s Festivali i Këngës 64 appeared first on JOY Eurovision.

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

It's Novice Hurdlers Week on The Final Furlong Podcast as Emmet Kennedy, Adam Mills, and Jamie Wrenn take a forensic look at the horses lining up for the three other major Cheltenham Festival novice hurdles: • Turners Novices' Hurdle• Albert Bartlett Novices' Hurdle• Mares' Novices' Hurdle And we start with the big question… is No Drama This End the right favourite at 7/2, or is the Paul Nicholls buzz horse there to be taken on? The boys debate whether the market has this one right - or whether one of the improvers can mow him down come March.

Happiness expert Monique Rhodes explains why retirement often feels disorienting at first — and how creating a personal retirement roadmap can turn this transition into one of the most fulfilling stages of life. Retirement is often marketed as the ultimate reward. After decades of work, deadlines, and responsibility, you finally arrive at a chapter filled with freedom, rest, and happiness. But for many people, that moment doesn't feel the way they expected. In this episode of Retire Today, I sat down with Monique Rhodes, a happiness expert who works with people around the world — especially those approaching or entering retirement — to talk about why this transition can feel unsettling and how to approach it with intention. Why Retirement Can Feel So Uncomfortable For years, work provides structure, identity, and a built-in sense of purpose. Then one day, it's gone. Monique explained that retirement often removes all of that at once. “The structure, the identity, the daily sense of purpose — they all fall away at the same time,” she said. What's left can feel like freedom… or confusion. In fact, research shows that many people experience lower happiness in the first year of retirement than when they were working. Feelings of restlessness, anxiety, loneliness, and even grief are common — but rarely talked about. This doesn't mean retirement was a mistake. It means the transition requires more than financial preparation alone. Comfort vs. Happiness One of the most thought-provoking ideas Monique shared is that too much comfort can actually work against happiness. She described how modern life is designed to remove friction — from climate-controlled homes to effortless entertainment. But living without any “edge” can dull creativity, resilience, and engagement. “If we're consistently living in comfort, we lose our ability to adapt,” she explained. Happiness, she argues, comes from a balance — not too tense, not too relaxed. Monique used powerful metaphors throughout the conversation, from surfing ocean waves to tuning a guitar string. Too loose or too tight, and it doesn't work. The same is true for life in retirement. Retirement Is Not a Holiday — It's a Redesign Many people enter retirement expecting it to feel like a permanent vacation. Monique sees this expectation create unnecessary disappointment. “Retirement is sold to us as a never-ending holiday,” she said. “But when that structure disappears overnight, people are suddenly faced with the question of who they are.” This is where her Retirement Roadmap comes in — a framework designed to help people intentionally rebuild purpose, routines, relationships, and meaning. Rather than drifting through unstructured time, retirees are encouraged to create days that feel energizing and aligned with who they are now — not who their job required them to be. Rebuilding Purpose From the Inside Out One of the most powerful moments in the conversation was when Monique talked about building a new relationship with yourself. After years of serving careers, businesses, and families, many retirees struggle to answer a simple question: What do I enjoy? Monique often starts by asking clients to think back to childhood interests — art, music, movement, creativity — and explore those again without pressure. “Your purpose isn't gone,” she said. “It's just no longer handed to you by a job description.” She emphasized that this phase of life offers something rare: the freedom to choose intentionally — where you live, how you spend your time, who you invest energy in, and what brings joy. Three Questions Worth Asking Toward the end of our conversation, Monique shared three questions she believes are foundational for a fulfilling retirement: Where do I want to be that makes me happiest? What do I want to do that makes me happiest? Who do I want to be with that makes me happiest? These questions don't have one-time answers. They evolve — and that's part of the beauty of this stage of life. The Bottom Line Retirement isn't just a financial transition. It's a psychological and emotional one as well. When approached consciously, it can become one of the most liberating and meaningful chapters of life — not because everything is perfect, but because you're living with intention. 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 Monique Rhodes website In Your Right Mind Podcast with Monique Rhodes Monique Rhodes on LinkedIn 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

A seismic move shakes up National Hunt racing - and we're here to unpack every angle. On this week's Final Furlong Podcast, Emmet Kennedy, Adam Mills, and Jamie Wrenn react to the news that Harry Cobden will become JP McManus' retained rider in the UK and Ireland from May. This is a power shift with huge implications - and the shockwaves stretch from Champion Hurdle favourites to handicap plotters.

JOYEurovision is back for season 2026. And with it being the 70th edition of the world’s biggest music competition, we all should be celebrating right? The news over the break has made things difficult for Eurovision fans, including Michael and Io. In this season return: Get the latest news about the semi final allocation draw Catch up on the new Eurovision rules introduced after the General Assembly Dive into the issues behind Israel’s participation Find out about the fallout from the EBU General Assembly vote Find out how it’s affecting the JOYEurovision team in 2026 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 Käärijä – Disko Balls Go-Jo & Erika Vikman – Appetite Tina Karol – Шиншила Subwoolfer – Dark Side of the Moon Aiko – Time Nemo – Ride My Baby ADONXS – Perfume The post Elephant in the room: New Eurovision rules, old problems; new tunes, old mates appeared first on JOY Eurovision.

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. 

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.

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.

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.

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