Podcasts about spousal

Today, I have the pleasure of speaking with Sarah Thorpe Scott, an executive coach and advisor working at the intersection of leadership, capital, and family enterprise systems. She supports executives, investors, and multigenerational families navigating the moments that matter, including succession, wealth transfer, leadership transitions, governance decisions, and spouses marrying into family systems. Her work focuses on the emotional and relational dynamics that often sit beneath these moments, helping families prepare the next generation for leadership and stewardship while strengthening the dialogue and trust required for long-term success across generations. Sarah is the Founder of Thorpe Scott Coaching & Advisory, Coach-in-Residence at Bedrock, a global multi-family office with offices in Geneva, London, and Monaco, and a Special Advisor to Horizons, a member network of millennial next-generation leaders and investors. Sarah began her career in investment banking at Credit Suisse in New York and later worked across leading media organizations including CNBC and Forbes. She went on to hold senior leadership roles at The New York Times, where she became Managing Director, EMEA, leading global teams and executing dozens of complex, multi-million-dollar partnerships with multinational organizations across virtually every major industry. Married into a fifth-generation family enterprise herself, Sarah brings both professional rigor and lived experience to her work with family offices, next-generation leaders, and the executives and advisors who work alongside them. She has served as Chair of the Young Vic Development Board and the Duke UK Alumni Board. We delve into the topic of spousal integration into UHNW families and the experiences of spouses within the broader family enterprise. We start by having Sarah sharing her observations on how family structures see and treat spouses today, and how enterprise family systems are organized to receive and engage spouses and in-laws. Sarah describes how spousal integration works presently, outlining the typical experience of a spouse joining a multigenerational family of wealth. She highlights some of the common challenges faced by spouses entering these sometimes-complex family systems. One common, and often controversial, practical tool that is part of the spousal integration process is the prenuptial agreement. Sarah shares her thoughts and lived experiences on how well prenups work and offers her views on where there may be room to improve and enhance the experience of the soon-to-be-married couple going through the process. Finally, Sarah lays out her vision and roadmap for a better spousal integration process, including the elements, the approach, and the spirit that can provide a more positive, engaging, and pleasant experience for spouses and the entire family. Enjoy this illuminating conversation with a highly regarded family member-turned-practitioner providing thought leadership in the spousal integration topic that impacts every enterprising family.

When retirement is around the corner, some of the biggest decisions aren't about when to retire, they're about how income continues if one spouse is gone. Ryan walks through a listener question about pension survivor options and why these decisions often become more emotional and permanent than people expect. A thoughtful retirement income strategy can make these choices much easier to navigate down to road, so start early. Here's what we discuss in this episode:

Donations 101: A Canadian Guide to Tax-Smart Charitable GivingIn this episode, Lawrence Greenberg and Jackson Matthews kick off a three-part series on charitable giving in Canada.Lawrence and Jackson break down the different ways to give, how charitable donations affect your taxes, and how to plan strategically around your giving. They cover everything from the basic cash donation to the more powerful — and often overlooked — strategy of gifting securities in kind, which can generate significant tax savings for both the donor and the charity.They also touch on corporate giving, the Alternative Minimum Tax (AMT), annual donation limits, estate planning opportunities, and offer a preview of two advanced strategies — donor advised funds and flow-through shares — that will be explored in depth in the next two episodes.A must-listen for anyone who wants to be more intentional and tax-efficient with their generosity.Happy listening!Key Topics Covered:Introduction and overview of the three-part series (00:46)Ways to give: time, items, cash, and securities (01:12)How charitable donations affect your taxes — the non-refundable tax credit explained (02:34)Spousal pooling of donation receipts (03:46)Cash donation vs. gifting securities in kind — and why in kind is often more powerful (05:03)Corporate giving from a holding company and the Capital Dividend Account (07:29)The Alternative Minimum Tax (AMT) — a potential roadblock for large donors (08:37)Annual donation limits and the five-year carry-forward rule (10:06)Year of death exception — increasing your limit to 100% of net income (11:39)Preview: Donor Advised Funds explained at a high level (12:53)Preview: Flow-through shares and their tax advantages (14:13)Key takeaways — including why gifting securities in kind is the low-hanging fruit for non-registered account holders (15:04)Be sure to subscribe on Apple, Google, Spotify, or wherever you get your podcasts. Feel free to drop us a line at lawrence@tma-invest.com or 514-695-0096 ext.112.Follow Tulett,Matthews & Associates on social media: LinkedIn, Facebook, and more!Follow The Empowered Investor on Facebook, LinkedIn, and Instagram.Thanks for listening!

Last week, we covered why Roth conversions can beso powerful in retirement planning.This week, we're talking about what can go wrong.In this episode, I walk through 12 real-world hurdles and“landmines” that can shrink — or completely eliminate — your Roth conversion window. These are the exact issues I see with retirees and pre-retirees whohave built substantial wealth in traditional IRAs, 401(k)s, and other tax-deferred accounts.We cover:Social Security timing Pension income Spousal employment Selling a business Deferred compensation plans IRMAA surcharges ACA premium tax credits Inherited IRAs and the 10-yearrule Tax-inefficient investments The new senior bonus deduction And more.If you're planning for retirement and want to minimizelifetime taxes while maximizing flexibility, this episode will help you avoid some very costly mistakes.I hope you find it helpful.-Kevin⁠Are you interested in working with me 1 on 1?⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Click this link to fill out our Retirement Readiness Questionnaire⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Or,⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠visit my website⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⛳ PFR Nation (Who This Is For)If you're over 50, have saved seven figures (or multipleseven figures), love golf and travel, and you want to make work optional whileminimizing taxes… welcome to the right place.***This is for general education purposes only and shouldnot be considered as tax, legal or investment advice.

Listener Q&A where Andy talks about: Claiming your own Social Security benefit at 62 and then later switching to collecting a spousal benefit after your spouse starts their benefit ( 5:45 )It's said by comedians that there are just a small number of basic jokes and everything else is just a variation. The same could be said about financial planning, where there are just a few core topics, and everything else is a variation on a core topic ( 11:18 )What is meant when it's said the stock market is a "complex adaptive system," and that it's movement is a "random walk" ( 14:08 )How to determine how much tax to withhold from your Social Security payments ( 17:34 )Why many flat fee financial advisors who focus on working with retirees only work with people whose net worth is generally no more than $10 million ( 21:22 )Bonds vs bond funds, and the pros and cons of using each for money that you plan on needing in three years, for example ( 29:23 )An example of removing "cream from the coffee" with regards to after-tax contributions or basis in traditional IRAs, so you can convert just the after-tax contributions without the pro rata rule making some of that conversion taxable ( 33:44 )Participating in fully paid securities lending programs at your brokerage custodian, where the custodian will borrow some of your securities out of your account and pay you some interest for doing so ( 41:50 )Thoughts about rolling over an HSA from one custodian to another, and whether it's better to do a direct custodian-to-custodian transfer (even if the money is out of the markets for a few weeks), or an indirect 60-day rollover (which will likely be processed and reinvested faster) ( 48:10 )To send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.comLinks in this episode:Tenon Financial monthly newsletter/blog - Retirement Planning InsightsFacebook group - Retirement Planning Education (formerly Taxes in Retirement)YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)Retirement Planning Education website - www.RetirementPlanningEducation.com

When retirement is around the corner, some of the biggest decisions aren't about when to retire; they're about how income continues if one spouse is gone. Pension options can look straightforward on paper, but the tradeoffs behind them are anything but. Today, we're walking through a listener question that highlights a common decision couples face. Contact: 817-444-8402 Website: https://bit.ly/2HLgkEx Schedule A Call Online: https://bit.ly/31VabN3

Nick Wilson and Jonathan Peterlin discuss the etiquette of RSVPing to parties and the difficulty of keeping secrets from their wives on Afternoon Drive. They also share details about their upcoming Memorial Day party and explain why Daryl Ruiter will miss the festivities due to his busy sports coverage. 01:03 - Party RSVP Etiquette 02:50 - Marriage Circle Of Trust 07:33 - Daryl Ruiter's Busy Schedule

Are you getting your full entitlement, spousal Social Security, or—like one of my recent clients—missing out on hundreds, even thousands, of dollars each year? This week, I discuss how spousal benefits work, what the eligibility requirements are, and the critical steps you need to take to ensure you aren't leaving money on the table. If you or your spouse are nearing retirement or already collecting benefits, this episode will equip you with the knowledge to maximize your Social Security income and avoid common mistakes.   You will want to hear this episode if you are interested in... [00:00] Spousal social security benefits [01:56] Criteria for receiving spousal benefit [02:25] Calculation of spousal social security benefit [07:26] Confusion when both spouses are eligible for their own and spousal benefits [09:46] Sue's social security increase [11:24] Misconception that adjustments are automatic    Understanding Spousal Social Security Benefits If you are married (or divorced after a marriage of at least 10 years), you may qualify for spousal Social Security benefits. For those with limited earning histories or lower primary insurance amounts (PIA), this benefit is especially valuable. At your full retirement age (FRA)—which is 67 if you were born in 1960 or later—you can collect up to 50% of your spouse's full retirement benefit, so long as your own benefit is less than half of theirs. If your own benefit exceeds half your spouse's, you'll receive your own larger benefit. Social Security will always pay the higher of the two benefits, but not both combined. This makes it vital to understand where you fall before claiming.   How Early Claiming Reduces Your Benefit Timing is critical. Claiming spousal benefits before your FRA means your payments will be permanently reduced. The reductions work as follows: For the first 36 months before your FRA, your benefit is reduced by 25/36 of 1% for every month claimed early. Additional months over 36 are reduced by 5/12 of 1% per month. For example, if a spousal benefit of $800 is claimed 36 months early, the amount drops to $600, a 25% reduction. If claimed 60 months early (at age 62), the benefit falls by roughly 35% to $520.   Key Rules of Spousal Benefit Eligibility To receive a spousal benefit, several conditions must be met: Your spouse must be collecting their Social Security benefit (unless you're claiming divorced benefits, in which case your ex only needs to be eligible). You must be at least age 62 (or have a qualifying child under 16 or with a disability in your care). Generally, you need to be married for at least one year before applying, though this rule doesn't apply if you're the parent of your spouse's child. If divorced, you must have been married for at least 10 years. Spousal benefits do not increase if you wait past your full retirement age to claim. The maximum is always 50% of your spouse's PIA. Delaying only increases benefits on your own work record, not on a spousal claim.   Spousal Benefits Are Not Automatic One major pitfall couples face is assuming that spousal benefits "switch on" automatically when their higher-earning spouse starts collecting their benefit. In reality, the Social Security Administration often needs to be contacted directly to initiate the higher spousal benefit. I share a case where a client (Sue) was entitled to a much larger benefit once her husband began taking Social Security at age 70, yet her benefit wasn't increased until she contacted Social Security, resulting in a missed $900/month for six months. Social Security would only issue six months of retroactive pay, meaning the client lost out on another six months of increased income. Don't assume the system will identify and correct missed benefits for you—it's up to you (and your advisor) to ensure you're receiving everything you've earned.   Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  Social Security Fairness Act   Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact Subscribe to Retire With Ryan

Retiring at 60 feels like a clean plan. Work ends, savings take over, and Social Security fills the gap later. What most people do not realize is that decision has already changed their benefit.In this episode, James walks through what actually happens to your Social Security when you retire at 60, even if you do not claim benefits right away. The calculation is based on your 35 highest earning years, and if you stop working early without a full earnings history, zeros can quietly reduce your future benefit.From there, the decision becomes a series of tradeoffs. Claim early and accept a permanently reduced benefit. Delay and increase guaranteed income for life. Retire early and rely more heavily on your portfolio in the years before benefits begin. None of these choices exist in isolation.James explains why Social Security should never be viewed as a standalone decision. It impacts how much you withdraw from your portfolio, how long your investments compound, and how income is structured later in retirement. In some cases, claiming earlier can preserve more of your portfolio. In others, delaying creates stronger long term protection.For those who are married, the stakes are even higher. Spousal and survivor benefits introduce another layer of planning that can significantly affect total lifetime income and the financial security of the surviving partner.The key is not finding a universal “best age” to claim. It is understanding how timing fits into your overall plan. When you see how earnings history, withdrawal strategy, and longevity all interact, the decision becomes far more intentional.The takeaway is simple. Retiring at 60 is not just a lifestyle choice. It is a financial decision that shapes your income for decades.--Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Strategy ⬇️Get Started Here.Join the new Root Collective HERE!

Looking for a financial planner?  → PlanWithJesse.com In this Ask Me Anything episode, Jesse explores the delicate balance between overcomplicating and oversimplifying financial decisions in retirement, arguing that while many investors get lost in unnecessary complexity, others fall into equally dangerous "too simple" thinking. He tackles four listener questions that highlight this tension across key planning topics. First, he critiques advanced tax-loss harvesting strategies like long-short and direct indexing approaches, explaining that while they can generate short-term "tax alpha," they often rely on leverage, incur higher fees, and merely defer—rather than eliminate—taxes, raising the question of whether investors are letting the tax tail wag the investing dog. Next, he addresses withdrawal rates, pushing back on the overly simplistic idea that earning 8% supports a perpetual 5% withdrawal, and instead emphasizes sequence-of-returns risk and the importance of flexible spending, framing the 4% rule as a conservative starting point rather than a fixed law. He then dives into Social Security strategy, debunking fears of system collapse, outlining the real implications of trust fund depletion, and demonstrating how optimal claiming decisions—especially for couples—depend heavily on longevity, spousal dynamics, and the value of delaying benefits as a form of longevity insurance. Finally, Jesse examines portfolio rebalancing, clarifying that its purpose is risk control—not return enhancement—and, drawing on research, argues that a simple annual rebalancing approach (augmented by ongoing cash flow adjustments) is both efficient and sufficient. Across all four topics, the unifying theme is clear: good financial planning lives in the nuanced middle ground—simple enough to execute, but not so simple that it ignores the real complexities that drive long-term outcomes. Key Takeaways: • Financial planning often fails at both extremes: too complex or too simplistic. The optimal approach lies in a nuanced middle ground tailored to real-world conditions. • Investors should avoid letting tax considerations override sound investment decisions. • A portfolio gaining value consistently is not a problem—even if it limits tax-loss opportunities. • Sequence-of-returns risk makes early retirement years disproportionately important. • For couples, Social Security claiming decisions must consider spousal and survivor benefits. • Rebalancing is about maintaining risk levels, not boosting returns. Annual rebalancing, combined with adjusting contributions and withdrawals, is typically optimal and efficient. Key Timestamps:(02:52) – Tax-Loss Strategy Question (07:51) – Long/Short Explained (11:34) – Direct Indexing Drawbacks (15:35) – Withdrawal Rate Myth (22:30) – Will Social Security Survive? (30:31) – Spousal and Survivor Rules (39:08) – Portfolio Rebalancing Basics (45:24) – Simple Annual Rebalance Plan Key Topics Discussed: The Best Interest, Jesse Cramer, Wealth Management Rochester NY, Financial Planning for Families, Fiduciary Financial Advisor, Comprehensive Financial Planning, Retirement Planning Advice, Tax-Efficient Investing, Risk Management for Investors, Generational Wealth Transfer Planning, Financial Strategies for High Earners, Personal Finance for Entrepreneurs, Behavioral Finance Insights, Asset Allocation Strategies, Advanced Estate Planning Techniques Mentions: https://bestinterest.blog/e121/ https://www.vanguardmexico.com/content/dam/intl/americas/documents/latam/en/2022/10/mx-sa-2558523-rational-rebalancing-an-analytical-approach.pdf More of The Best Interest: Check out the Best Interest Blog at https://bestinterest.blog/ Contact me at jesse@bestinterest.blog Consider working with me at → PlanWithJesse.com The Best Interest Podcast is a personal podcast meant for education and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

Social Security and Divorce Episode 382 – Divorced spouses may be caught unaware that they could be eligible for a Social Security benefit based on their ex's work history. The rules are complicated, but if you're in that situation, there may be a pleasant surprise waiting for you: collecting a Social Security benefit you didn't even know existed. More SML Planning Minute Podcast Episodes Transcript of Podcast Episode 382 Hello, this is Bill Rainaldi, with another edition of Security Mutual's SML Planning Minute. In today's episode: Social Security and divorce. We spoke extensively about the phenomenon of “gray divorce” in an episode last summer, meaning divorce specifically for those over age 50. While the overall divorce rate has fallen in recent years, the rate among people over age 50 has risen dramatically.[1] And for those people, it's important to know something about how Social Security works for divorced spouses. It's safe to say that getting divorced can be, and usually is, a trying experience. And it can really mess up your retirement, especially for the lower-earning spouse. But the Social Security Administration (SSA) has provided some flexibility for divorced spouses when it comes to collecting their retirement benefits. When considering Social Security, selecting the right claiming strategy often comes down to understanding two special types of benefits: spousal and survivor benefits. And with both of these, there are special rules designed to protect divorced spouses. Understanding these rules can make a huge difference in the quality of your life in retirement. First, let's talk about spousal benefits. Spousal benefits are generally available any time one spouse has a personal Social Security benefit that's less than half of the other spouse's benefit. For example, assume your benefit at age 67 (Full Retirement Age or FRA) is $3,000. But your spouse may have only worked part-time, or may have left the workforce for a period of time. So, let's say their personal benefit as a result is only $500. Spousal benefits max out at 50 percent of the higher-earning spouse's FRA benefit. So, if you both file at 67, you would receive your full personal benefit of $3,000. Your spouse would receive his or her own personal benefit of $500, plus an additional spousal benefit of $1,000, bringing their total benefit to $1,500, which is 50 percent of yours. You can also choose to collect earlier if you wish—at a reduced rate—so long as you're at least 62 years old, which is the youngest age for filing for a personal or spousal benefit. But if your spouse has a personal benefit that is more than half of yours, no spousal benefit would apply. Also, note that your spouse does not become eligible for a spousal benefit until you yourself file. So, if you choose to max out your benefit by waiting until age 70, your spouse has to wait too, at least for the spousal portion. What are the special regulations that affect divorced spousal benefits? First, it's important to recognize the most basic rule: if you were married for at least 10 consecutive years before you got divorced, you are entitled to the same benefit you would have received if you were still married. So, you may be able to receive that spousal benefit even if you're no longer married. But there's more. Aside from being married ten years, if you have also been divorced for at least two, you are considered “independently entitled” to benefits.[2] As we said, for a married couple, the lower-earning spouse cannot get a spousal benefit until the other spouse collects their own benefit. But this rule is waived for an independently entitled ex-spouse. This helps avoid the awkward situation of trying to coordinate things with your ex. Finally, it's important to recognize that if you decide to re-marry at some point, the spousal benefit disappears. At that point, it's as if the first marriage never happened. But perhaps you can still qualify for a spousal benefit with your new spouse. The ten-year rule only applies to divorced spouses. A current spouse can receive a spousal benefit once they've been married for at least one year. Now let's cover survivor benefits, which are probably even more important for most married and divorced spouses. Note that survivor benefits are not 50 percent, they're 100 percent of the higher-earning spouse's benefit. And in most cases, they're pretty straightforward. Once you get past FRA, the surviving spouse's benefit is simply the higher of the two. So, let's continue with our previous example. You're collecting $3,000 a month, and your spouse is collecting $1,500, which includes a $1,000 spousal benefit. If you die, your spouse moves up to your benefit of $3,000 per month. If your spouse dies before you do, you simply go on collecting your $3,000. If you're still married, that's at least one piece of good news: your spouse gets a raise. But there's also some bad news (aside from the fact that you're not there anymore!). As a household, you were collecting a total of $4,500 while both of you were still alive. Now that's down to $3,000 for the surviving spouse alone. What happens if the higher-earning spouse dies before reaching FRA? Basically, the surviving spouse can receive reduced survivor benefits beginning at age 60 (or 50 if disabled) or 100% of the deceased spouse's calculated benefit if they wait until their own FRA. The survivor receives the higher of their own retirement benefit or the deceased spouse’s, with payments potentially reduced if taken early. There's not one single answer and it's recommended to consult with a Social Security expert if you fall into this particular situation. In a divorce situation, what happens when the higher earning spouse dies? When it comes to survivor benefits for a divorced spouse, the 2- and 10-year rules apply. Other than that, the rules are a little bit less restrictive than with spousal benefits. For one thing, you have the option of re-marrying without giving up your right to a survivor benefit on your ex, so long as that second marriage occurs after you reach age 60. So many divorcing spouses fail to think about Social Security when they're going through the divorce. And even fewer truly understand how spousal and survivor benefits work for a divorced spouse. The important thing to remember is that you may be entitled to benefits from Social Security that you hadn't even thought of. But you may also need help figuring it all out. The rules for Social Security are far more complicated than we can explain here. That's why the assistance of a qualified professional is always recommended. Your Security Mutual Life insurance agent can help assemble your team and coordinate with your attorney and tax professional to review your unique situation and to determine the insurance plan that best suits your needs and objectives. [1] Sergeant, Jacqueline. “Gray Divorce Surge Leaves Women In Need Of Advisors, Experts Say.” Financial Advisor. https://www.fa-mag.com/news/women-want-financial-education-as-they-end-marriage-82256.html?section=43&utm_source=FA+Magazine&utm_campaign=FAN_FA+News_042525&utm_medium=email (accessed May 15, 2025). [2] Hager, Thomas. “Ex-Spousal Benefits: What ‘Independently Entitled' Means.” Forbes.com. https://www.forbes.com/sites/tomhager/2024/11/20/ex-spousal-benefits-what-independently-entitled-means/ (accessed March 26, 2026). More SML Planning Minute Podcast Episodes This podcast is brought to you by Security Mutual Life Insurance Company of New York, The Company That Cares®. The content provided is intended for educational and informational purposes only. Information is provided in good faith. However, the Company makes no representation or warranty of any kind regarding the accuracy, reliability, or completeness of the information. The information presented is designed to provide general information regarding the subject matter covered. It is not to serve as legal, tax or other financial advice related to individual situations, because each individual's legal, tax and financial situation is different. Specific advice needs to be tailored to your situation. Therefore, please consult with your own attorney, tax professional and/or other advisors regarding your specific situation. To help reach your goals, you need a skilled professional by your side. Contact your local Security Mutual life insurance advisor today. As part of the planning process, he or she will coordinate with your other advisors as needed to help you achieve your financial goals and objectives. For more information, visit us at SMLNY.com/SMLPodcast. If you've enjoyed this podcast, tell your friends about it. And be sure to give us a five-star review. And check us out on LinkedIn, YouTube and Twitter. Thanks for listening, and we'll talk to you next time. Tax laws are complex and subject to change. The information presented is based on current interpretation of the laws. Neither Security Mutual nor its agents are permitted to provide tax or legal advice. The applicability of any strategy discussed is dependent upon the particular facts and circumstances. Results may vary, and products and services discussed may not be appropriate for all situations. Each person's needs, objectives and financial circumstances are different, and must be reviewed and analyzed independently. We encourage individuals to seek personalized advice from a qualified Security Mutual life insurance advisor regarding their personal needs, objectives, and financial circumstances. Insurance products are issued by Security Mutual Life Insurance Company of New York, Binghamton, New York. Product availability and features may vary by state.​ SubscribeApple PodcastsSpotifyAndroidPandoraby EmailTuneInDeezerRSSMore Subscribe Options

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On today's Bible Answer Man broadcast (04/29/26), Hank answers the following questions:Can you give me advice about my daughter, who is into Wicca? Donna - St. Louis, MO (0:45)Does God have two people or one people? What about Covenant Theology? Can you address blood covenants in Genesis 15 and 17? John - St. Paul, MN (4:47)My husband left me and is looking for someone else. Since our marriage was performed in a mosque, there are no documents verifying our marriage. What should I do? Tammy - Vancouver, BC (16:25)

Boomers take the blame (with a grin) while unpacking the real retirement mistakes that still trip people up today—failing to plan, claiming Social Security too early, relying on bad advice, and mismatching portfolios to actual needs. The episode leans hard into practical fixes: delay Social Security when it makes sense, build a real financial roadmap, ignore friends-as-advisors, and understand the difference between savings and portfolio strategy. A listener question adds clarity on when (and why) to introduce bonds versus using high-yield savings, followed by a quick dive into Dimensional's factor-based investing approach. The throughline: retirement success isn't about clever products—it's about disciplined planning and avoiding expensive behavioral mistakes.0:05 Boomer blame (playfully) and framing retirement mistakes1:16 Retirement regrets: not saving enough, not starting early2:26 The bigger issue: lack of a real retirement plan3:25 Retirement as the “final quarter” mindset shift4:31 Social Security mistakes and early claiming problem6:04 Why waiting feels shorter than you think6:44 The “8% guaranteed” Social Security advantage7:40 Spousal strategy and survivor benefit risks8:10 Buying products vs. having a plan8:53 Dangerous reliance on friends and family for advice10:10 Why professional advice matters (and the sales trap)12:31 Generational differences in talking about money13:15 Why families should discuss finances openly13:15 Portfolio mismatch and unnecessary risk-taking14:24 Spending honesty (or lack thereof)15:26 Only ~1% of advisors are true fiduciaries17:19 Caller: high-yield savings vs. bonds (age 30, aggressive investor)18:50 Role of bonds as portfolio stabilizers20:53 When to add bonds and how much21:38 Importance of diversification within stocks22:31 Dimensional vs. traditional target date funds24:14 Factor investing: small, value, profitability26:34 Risk and return—no free lunchQuestions? Comments? Click!

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How much can you safely spend in retirement without running out of money? It's one of the biggest questions retirees face. For years, many people have looked to the well-known “4% rule” for guidance. But as helpful as that rule may be, it's not as simple—or as reliable—as many assume. Today, Mark Biller, Executive Editor and Senior Portfolio Manager at Sound Mind Investing, joined us to revisit this widely used guideline and explain why a more flexible, personalized approach may better serve retirees. Why Retirement Spending Is More Complicated Than Saving Saving for retirement is often more straightforward than spending in retirement. During working years, many people invest consistently, contribute to retirement accounts, and let time and compound growth do their work. But retirement introduces a new challenge: no one knows exactly how long their money needs to last. That uncertainty changes everything. Retirees must make decisions while facing several unknowns: Future market returns Inflation rates Interest rates Healthcare costs Longevity Because of those variables, determining a “safe” withdrawal rate becomes one of the most difficult parts of financial planning. Where the 4% Rule Came From The 4% rule originated with financial planner Bill Bengen in the early 1990s. Instead of trying to predict the future, Bengen studied historical market data. He examined how retirees who began in difficult economic periods—such as the mid-1920s—would have fared over a 30-year retirement. His conclusion: an initial withdrawal rate of 4.15%, followed by annual inflation adjustments, would have sustained every portfolio in his study for at least 30 years, even under the worst historical conditions. That's an important detail. The 4.15% figure wasn't intended to be the ideal spending strategy for everyone. It was the lowest common denominator—the floor that worked even in the toughest scenarios. Over time, that finding was simplified into the “4% rule.” Many people began to treat it as the optimal answer for nearly every retiree. But according to Biller, that was never the point. Rules of thumb can be helpful as rough planning tools, especially for someone years away from retirement who is trying to estimate future needs. But once retirement draws near, more precision is needed. A single percentage cannot account for your income sources, goals, spending habits, tax picture, or life expectancy. What New Research Suggests Sound Mind Investing conducted its own analysis under different assumptions, including a 50/50 stock-and-bond portfolio that became more conservative over time. Their findings showed: A 5% initial withdrawal rate still worked even under difficult conditions. A 6% withdrawal rate succeeded in most cases, though some portfolios ran short near the end. At 7%, the risk increased significantly. Meanwhile, Bengen later revisited his original work with broader investment options and updated tools. His revised conclusions suggested: 4.7% may be a better minimum floor today. Around 5.25% may be the “sweet spot” in many scenarios. These updates reinforce an important truth: retirement planning is more dynamic than a single number can capture. Rather than anchoring to one percentage, retirees should build a plan around their full financial picture. That includes: Social Security timing and benefits Pension income Spousal benefits Expected expenses Lifestyle goals Taxes Healthcare needs Legacy desires Market conditions over time Financial planning software or a trusted advisor can help run simulations, stress-test scenarios, and make adjustments as life unfolds. Biblical Wisdom for Retirement Planning Scripture often commends wise planning while reminding us to hold our plans with humility: “The plans of the diligent lead surely to abundance” (Proverbs 21:5). Yet we also remember that ultimate security is never found in formulas, portfolios, or percentages. Our trust rests in the Lord, who provides faithfully in every season. Retirement stewardship is not about discovering a perfect rule. It is about making wise decisions, remaining flexible, and managing God's resources faithfully over time. The 4% rule may still be a useful starting point—but it should not be the final word. When it comes to retirement, wise stewardship requires both diligence and flexibility. A personalized plan will almost always serve you better than a one-size-fits-all formula. On Today's Program, Rob Answers Listener Questions: I'm retired and have $30,000 to invest. Is it better to invest in gold and silver through the market or buy physical coins? I'm 63 with a $200,000 401(k) from a former employer. How can I move it into investments that align with my faith? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Sound Mind Investing (SMI) Revisiting the ‘4% Rule' for Retirement Withdrawals by Joseph Slife (Article on SoundMindInvesting.org) A Richer Retirement: Supercharging the 4% Rule to Spend More and Enjoy More by William P. Bengen SPDR Gold Shares (GLD) | iShares Gold Trust (IAU) Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Fan Mail - Send us a Text MessageTerry Waugh is a solicitor, mortgage broker and tax adviser.Today I'm talking about mistakes people make when doing spousal transfers.— If you would like to ask a question which could be answered by Terry on the podcast please go to the podcast page and follow the instructions.Support the showwww.structuring.com.au

Connect with us:www.rockraleigh.comIG: https://www.instagram.com/therockraleighFB: https://www.facebook.com/rockraleighTo support this ministry and help us continue to share the hope of Jesus Christ all over the world click here: https://www.rockraleigh.com/giveTo make disciples of Jesus Christ that transform the world!

Can love in marriage really last? I believe it can—and not because we're strong enough or compatible enough, but because God meets us there. Staying in love isn't something we just grit our teeth and manage. It's something we learn through prayer. Prayer with the Lord shapes our hearts, and that same habit of prayer teaches us how to truly behold, listen to, forgive, and love our spouse. In this Coaches Corner, I review the book Spousal Prayer by Deacon James Keating. It's a small, powerful book that connects marriage and prayer in a way that's both deep and incredibly practical. We talk about why young people fear staying in love, how prayer brings us into the reality of love, and why marriage itself can become a living, breathing prayer. Whether you're married, preparing couples, or walking with families in ministry, this episode is meant to equip you—and remind you that lasting love is not only possible, it's sacramental. [00:13] Book - Spousal Prayer [01:05] Why This Book Works [02:09] Three Chapters Overview [03:06] Behold Listen Repent [03:36] Prayer Depth and Beauty [04:34] Practical Art Prayer [06:11] Love Prayer and Reality [08:44] Forgiveness and Healing [09:25] Appendix ARRR Method [09:44] Who Should Use This [10:33] Final Quote and Wrap [11:29] Share Your Thoughts Check out the book Spousal Prayer. For more practical advice and experiences from real people sharing their mission with the world, go to https://equip.archomaha.org/podcast/. A Production of the Archdiocese of Omaha Editor: Taylor Schroll (ForteCatholic.com)

Join me for a heartfelt conversation with Jenny Brandemuehl, author of Forever Fly Free. After a tragic plane crash changed her family's life forever, Jenny became her husband's caregiver through years of recovery—until his passing in 2019. In this episode, we explore grief, healing, and how reconnecting with purpose can help us rebuild after loss. A powerful conversation on love, resilience, and rebirth. ---✨ Grief & Rebirth: Healing Resources & Tools ✨

Send us Fan MailIf you or someone you know is facing divorce and has ties to both Arizona and Washington, this episode could be one of the most important conversations you watch. Our host Billie Tarascio and Seattle-based family law attorney Michelle Dellino sit down to break down the critical legal differences between divorcing in Arizona versus Washington, including how property is divided, how spousal maintenance is calculated, how custody is handled, and why the state you choose to file in could dramatically change your financial future.Michelle Dellino is the founder and owner of Dellino Family Law Group, a 16-attorney firm based in Seattle, Washington. Since starting her practice in 2013 as a solo attorney, Michelle has grown one of the most respected family law firms in the Pacific Northwest, serving clients across all of Washington State. Known for her approachable and strategic style, Michelle handles everything from high-conflict litigation to complex financial divorces involving tech industry compensation, restricted stock units, and long-term marriages.In this episode, we cover:➡ Why "community property" means something very different in Arizona vs. Washington➡ How business ownership is treated in divorce in both states➡ Spousal maintenance: Washington's flexible approach vs. Arizona's new calculator➡ How the date of separation can make or break your case in Washington➡ Child support table changes in Washington and what it means for high earners➡ Custody trends is 50/50 the default in both states?➡ How children's voices are (and aren't) heard in custody decisions➡ Guardian ad litems, parenting evaluators, and custody evaluation differences➡ How hard it is to modify a parenting plan in each state➡ The growing "anti-family court corruption" movement and what attorneys really thinkLearn more about Michelle Dellino and Dellino Family Law Group:https://dellinolaw.com/

Retirement planning can feel overwhelming, but understanding key benefits and strategies can help you make the most of your financial future. On the show this week, I tackle listener questions on Health Savings Accounts (HSAs), Flexible Spending Accounts (FSAs), and Social Security. If you're considering an HSA, are curious about contribution limits, or want to know how HSAs can work alongside FSAs, I break it down in simple, clear language. I also answer a wide range of Social Security questions, and discuss how your benefits are calculated, timing your claim, navigating survivor benefits, and how to avoid costly mistakes during retirement.   You will want to hear this episode if you are interested in... 03:44 HSA vs. FSA & social security 09:12 HSA and the triple tax advantage 16:38 "HSA vs. FSA explained 21:02 Early retirement social security adjustments 26:45 IRMAA Surcharges and Roth Conversions 30:00 Social security claim rules 37:09 Social security benefits strategy 38:36 Social security survivor benefits 44:45 Understanding social security earnings & inflation   The Power of Health Savings Accounts HSAs stand out because contributions are tax-deductible, invested money grows tax-free, and withdrawals for qualified medical expenses are also tax-free. Unlike IRAs or 401(k)s, there are no required minimum distributions (RMDs), making them an appealing vehicle for long-term savings. Contributions via payroll deductions also avoid Social Security and Medicare taxes, enhancing their tax efficiency. HSAs are often misunderstood or underused, but they offer some of the most attractive tax benefits for medical expenses in retirement. To qualify, you must be enrolled in a high-deductible health plan. The latest contribution limits for 2026 are $4,400 for individuals and $8,750 for families, with a $1,000 catch-up for those 55 and older. Interestingly, the catch-up for HSAs starts at 55, unlike the 401(k) catch-up, which begins at 50.   HSAs vs. FSAs: What's the Difference? Flexible Spending Accounts (FSAs) often get confused with HSAs, but they are fundamentally different. FSAs are a "use it or lose it" account, meaning funds must be spent within the plan year or risk forfeiture. HSAs roll over year to year and can accumulate significant balances for future health expenses and even long-term care. HSAs also have more flexible investment options and ownership, making them superior for many long-term planners.   Navigating Social Security Statements, Timing, and Benefits Social Security's rules and estimates can be confusing. Your Social Security statement provides estimates based on the assumption you'll continue working at your current salary until retirement. If you retire early, these estimates adjust, but they don't include cost-of-living increases or Medicare Part B premiums, which will come directly out of your benefit. Many retirees are surprised to find their actual monthly check is lower than expected due to these deductions. One major factor is IRMAA (Income-Related Monthly Adjustment Amount), which increases Medicare premiums for higher-income retirees, based on income from two years prior. However, you can request an exception if your income drops due to retirement, using the SSA-44 form. Timing your claim is important. Social Security is typically a month or two behind when benefits start, so plan accordingly. Earned income before claiming does not count toward the annual limits; only income earned after starting benefits does. Spousal income also doesn't affect your individual Social Security benefit.   Strategy Matters Retirement planning goes beyond just saving—it's about making strategic decisions for your health, income, and legacy. HSAs, Social Security, and FSAs all have unique rules that affect how you can maximize their benefits. Take time to understand how these accounts work, and don't be afraid to seek expert advice for your unique situation.   Resources & People Mentioned 3 Steps to Retirement Planning   Connect With Gregg Gonzalez Email at: Gregg.gonzalez@lpl.com Podcast: https://RetireStrongFA.com/Podcast Website: https://RetireStrongFA.com/ Follow Gregg on LinkedIn Follow Gregg on Facebook Follow Gregg on YouTube Subscribe to Retirement Made Easy On Apple Podcasts, Spotify, Google Podcasts  

The scariest sentence we hear from families facing a spouse's nursing home placement is simple: “We're going to lose everything.” That fear is understandable, but it often ignores the spousal protections built into long-term care Medicaid rules. We sit down to map the real picture of how benefits can work when one spouse becomes the “applicant spouse” and the other remains the “community spouse” trying to keep the household afloat.We start with the foundation that makes every plan possible: legal authority. Being married does not automatically mean you can sign contracts, manage accounts, or make the moves needed to qualify for long-term care benefits. We explain why a healthcare power of attorney and a general durable power of attorney matter so much, from getting the right level-of-care paperwork to executing facility admissions documents. We also dig into a surprise for many couples: even if you share a bank account, you cannot simply access or control assets like an IRA, 401(k), or life insurance policy without the right authority, and real estate can require careful handling too.Next we break down the money rules that decide whether the healthy spouse can keep paying the bills. We explain patient liability, how Medicaid covers the gap between income and the cost of care, and how the Minimum Monthly Maintenance Needs Allowance (MMMNA) may allow shifting income to the community spouse up to an allowed limit. We also touch on asset protection planning, including the Community Spouse Resource Allowance (CSRA) and why working with an elder law attorney who actually handles Medicaid benefits can save time, stress, and hard-earned assets.If this helped you, subscribe, share the episode with a friend caring for a spouse, and leave a review so more families can find practical guidance when long-term care decisions hit fast.

Money has a way of stirring up a lot during divorce—fear, anger, uncertainty, and sometimes a deep sense of injustice. And when it comes to spousal support, those emotions can run even higher. Questions like Who pays? For how long? And what's actually fair? can quickly turn into battlegrounds if you don't understand how the process really works. In today's episode, I'm joined by Anthony Diaz, also known as The Peacemaker—a family law attorney, mediator, and conflict resolution expert who has spent decades helping couples navigate divorce with greater clarity and far less conflict. Together, we unpack what spousal support really is, the factors courts consider, and how to approach these conversations from a place of calm strategy rather than fear or reactivity. Spousal support is often one of the most misunderstood and emotionally charged aspects of divorce. Anthony helps bring clarity to the different types of support, the factors that determine whether support is awarded, how much is paid, and how long it may last. We also discuss how courts evaluate income and assets, when support can be modified, and why approaching these negotiations collaboratively often leads to far better long-term outcomes for both partners and their families. If financial conversations with your spouse have been tense or triggering, this episode will help you better understand the landscape so you can stay grounded, think strategically, and make informed decisions rather than reacting from fear. Anthony Diaz is not your typical divorce attorney. A Florida-based Family Law and Collaborative Divorce Attorney, Supreme Court Certified Family Law Mediator, and national conflict resolution expert, Anthony has dedicated his career to helping couples experience divorce in a more thoughtful and peaceful way. With a unique background as a former CPA and Assistant State Attorney, he brings both financial expertise and emotional intelligence to the process, helping families avoid unnecessary courtroom battles while creating solutions that support stability and respect. His philosophy is simple but powerful: even in divorce, peace is possible. Connect with Anthony: Anthony is offering a complimentary eBook to support you on your journey, which you can download at anthonydiazlaw.com/subscribe. To learn more about his work or schedule a consultation, visit anthonydiazlaw.com. Resources Mentioned in this Episode: Follow JBD on Instagram: @journey_beyond_divorce Join the High Conflict Divorce Support Group: https://www.jbddivorcesupport.com/hcdsg Free Divorce Support Network Gift: https://divorcesupportnetwork.com/jbdpod

WHO THIS EPISODE HELPS: Anyone navigating grief after the death of a spouse, coping with cancer loss, widowhood, or searching for resilience during bereavement.WHAT LISTENERS WILL GET: A powerful perspective on grief recovery, emotional resilience, rebuilding life after loss, and how love and healing can coexist with memory.DESCRIPTION:In this deeply moving episode, Nick sits down with Barnaby Howarth to explore love, grief, widowhood, and the resilience that emerges after devastating loss. Barnaby shares the story of his first wife, Angela, whose life was cut short by cancer just over a year into their marriage, and reflects on how grief shaped his understanding of strength, identity, and purpose. Together, they discuss anticipatory grief, emotional complexity, pride within bereavement, and what it means to celebrate a life while mourning a death. Barnaby speaks candidly about what did not help during his grieving process, the dangers of searching for a mythical answer to pain, and how true resilience comes from within. Nick guides the conversation toward rebuilding life after spousal loss, including finding new love without replacing the past. This episode offers insight into healing after loss, honoring memory, and discovering that grief and joy can coexist.This episode answers:How do you cope with the death of a spouse at a young age?What does healthy grief look like after losing a partner to cancer?Is it normal to feel pride or gratitude during bereavement?How can you rebuild your life after widowhood without guilt?Can you fall in love again after losing your spouse?Key Takeaways:Grief and pride can coexist when you deeply honor a life lived.Resilience is not something you find externally; it already exists within you.Healing after spousal loss does not require replacing the person you lost.Small daily acts of kindness build emotional strength over time.Love after grief can honor the past while embracing the present.BARNABY HOWARTH — LINKS & CONTACT INFOPODCAST & MAIN SITE• Everyday Greatness Podcast:  https://barnabyhowarth.com.au/SOCIAL MEDIA• Instagram:  https://www.instagram.com/barnabyhowarth/ • LinkedIn:  https://au.linkedin.com/in/barnaby-howarth • Facebook:  https://www.facebook.com/barnabyhowarth.au/TO BOOK BARNABY (AS A SPEAKER)• Main contact:   https://barnabyhowarth.com.au/book-now/ Support the showGIVE THE SHOW A 5-STAR RATING ON APPLE PODCASTS! FOLLOW US ON APPLE OR YOUR FAVORITE PODCAST PLATFORM! BOOKMARK OUR WEBSITE: www.griefisnotadirtyword.com FOLLOW OUR DEAD DADS ON SOCIAL MEDIA: Facebook: https://www.facebook.com/griefisnotadirtyword Instagram: https://www.instagram.com/griefisnotadirtyword TikTok: https://www.tiktok.com/@griefisnotadirtywordYouTube: https://www.youtube.com/channel/UCmmv6sdmMIys3GDBjiui3kw LinkedIn: https://www.linkedin.com/in/nick-gaylord/

Lauren the Producer shares how something her husband did with their food sparked some unexpected irritation, leading us into a full conversation about spousal food battles — especially the classic scenario where they say they don’t want anything, but somehow end up eating off your plate anyway. We dive into your stories, your frustrations, and the relatable moments that happen in every relationship.See omnystudio.com/listener for privacy information.

Are you worried about whether you'll have to pay alimony—or how long you'll receive it?Spousal support is one of the most misunderstood and emotionally charged parts of divorce. Many people assume it's automatic, permanent, or based on who “deserves” it. In reality, courts follow specific legal standards that consider income, career sacrifices, earning capacity, and the length of the marriage. Without understanding how these decisions are made, you could agree to terms that impact your finances for years.In this episode, you'll learn:What alimony is legally designed to accomplish and when it's actually awardedThe different types of support and how long they typically lastWhat can trigger modification or termination of payments and how to financially prepare before, during, and after divorcePress play now to gain clarity on how alimony really works—so you can protect your financial future with confidence instead of fear.Link to the article: https://www.usmagazine.com/celebrity-news/news/rachel-lindsay-says-shes-done-sending-ex-bryan-abasolo-alimony-money/Interested in working with us? Fill out this form here to get started.Not quite ready? Interact with us on socials!Linktree- https://linktr.ee/FloridaWomensLawGroup Florida Women's Law Group Website- https://www.floridawomenslawgroup.com/Women Winning Divorce is supported by Florida Women's Law Group.Disclaimer: This podcast is for informational purposes only and is not an advertisement for legal services. The information provided on this podcast is not intended to be legal advice. You should not rely on what you hear on this podcast as legal advice. If you have a legal issue, please contact a lawyer. The views and opinions expressed by the hosts and guests are solely those of the individuals and do not represent the views or opinions of the firms or organizations with which they are affiliated or the views or opinions of this podcast's advertisers. This podcast is available for private, non-commercial use only. Any editing, reproduction, or redistribution of this podcast for commercial use or monetary gain without the expressed, written consent of the podcast's creator is prohibited.Thank you for listening, please leave us a review and share the podcast with your friends and colleagues. Send your questions, comments, and feedback to marketing@4womenlaw.com.

Divorce, remarriage, and blended families can quietly rewrite your estate plan—unless you rewrite it first. We dig into how North Carolina law treats spouses before and after marriage, from inchoate rights in real property to the elective share and the year's allowance, then map the steps that keep your wishes intact without sparking a courtroom brawl. Along the way, we highlight the silent saboteurs: beneficiary designations, joint accounts, POD/TOD forms, life insurance, and retirement plans that do not auto-update after divorce and can send your life's savings to the wrong person.We share practical strategies for planning around a new marriage, including prenups and postnups, coordinated wills and trusts, and clear instructions that balance support for a spouse with protection for children from a prior relationship. We explain when a trust can calm family tensions, why an old will won't shield your estate from a spouse's statutory rights, and how elective share percentages scale with the length of marriage. We also cover real-world pitfalls—like estranged spouses who resurface at probate, and assumptions about common law marriage that don't hold in North Carolina.If you're separated, finalizing the divorce matters; if you're newly single or newly coupled, updating every document and designation matters even more. We offer a concise checklist, candid examples, and legal context so you can act with clarity and avoid avoidable fights. Ready to protect your plan and your people? Subscribe, share this episode with someone navigating divorce or remarriage, and leave a review with your top estate planning question—we may answer it on a future show.

We break down how Medicaid actually works for long-term care, why Medicare ends after short-term rehab, and how singles and married couples can protect assets without sacrificing choice or quality. We share common mistakes, key legal tools, and the steps to stop unnecessary private pay.• Medicaid built to protect the middle class• Difference between Medicare rehab and long-term care• True cost of nursing homes and private pay risk• Non-countable assets for singles in Arkansas• Power of attorney gifting authority as a must-have• Spousal protections that preserve assets and income• Timing strategies for crisis and pre-planning• Why nursing homes and agencies don't guide planning• How an elder law attorney applies the rules• Concrete next steps to assess eligibility and apply“Please get this to anyone you know who is private paying for a nursing home bill so they can stop the bleeding and protect their estate.” “We are Generations Legal Group — call 479-601-4119 or visit GenerationsLegalGroup.com.” “For more resources and show notes, visit www.answersonagingpodcast.com.”Information to help you answer all of your questions about aging.

Valentine's Day is a perfect reminder that love isn't just a feeling—it's a plan. We sit down as father and son, both elder law attorneys, to map out clear steps that protect the people who matter most. From choosing a trustee for minor children to keeping your home out of probate, we explain how straightforward documents can prevent the messes that break hearts and budgets.We start with practical strategies for families with kids: creating a trust that funds education and daily needs, naming a trustee you trust, and using term life insurance with smart beneficiary designations so money lands exactly where it should. Then we move to the home, walking through how an enhanced life estate—often called a Lady Bird deed—lets you keep control while ensuring the property passes smoothly to your chosen heirs without court delays. Along the way, we show when a trust and a deed can work together to add control and protection.Spousal protection takes center stage as we unpack joint family trusts, general durable powers of attorney, and healthcare powers of attorney. Marriage alone won't unlock IRAs, bank accounts, or real estate decisions; authority must be granted in writing. We share how to avoid costly guardianships, prepare for long-term care and creditor risks, and keep decisions in the family. Finally, we tackle blended-family pitfalls, explaining how intestacy can split assets in surprising ways—and why a clear will or trust prevents conflict and preserves peace.If you want your love to last longer than flowers, give your family clarity, not questions. Subscribe, share this with someone who needs a nudge to plan, and leave a review with the one document you still need to sign.

994. This week, Laura reviews updated rules for using a spousal IRA, who can use one, and how they help keep your own retirement account growing.Find a transcript here. Have a money question? Send an email to money@quickanddirtytips.com or leave a voicemail at (302) 364-0308.Find Money Girl on Facebook and Twitter, or subscribe to the newsletter for more personal finance tips.Money Girl is a part of Quick and Dirty Tips.Links:https://www.quickanddirtytips.com/https://www.quickanddirtytips.com/money-girl-newsletterhttps://www.facebook.com/MoneyGirlQDT Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

A counsellor of a support group reveals why some men choose to tolerate physical, emotional and psychological abuse in their marriages. Synopsis: On Wednesdays, The Straits Times takes a hard look at Singapore's social issues of the day with guests. Spousal abuse cases in Singapore rose significantly in 2024 to 2,136, up from 2,008 such cases in 2023, according to the Ministry of Social and Family Development (MSF). While official figures did not give a breakdown of these cases by gender, the defamation case of Johnny Depp against his ex-wife Amber Heard and post-Covid-19 awareness have encouraged more men to step forward, said a counsellor who runs a specialised support group for battered husbands. To find out more in this episode, assistant podcast editor Lynda Hong speaks with Josiah Yeo, a counsellor at Lutheran Community Care Services (LCCS), who started its support group for abused husbands in 2022. Mr Yeo details how one of the abused husbands in the support group was beaten with golf clubs and made to slap himself in public. He was even locked out of the house and made to kowtow in front of the door 30 times, before he could get into his home. Apart from abusive marriages, Mr Yeo also gives some pre-marital advice on what are some red flags to look out for, especially in the dating stage. Highlights (click/tap above): 1:49 Impact of Johnny Depp’s defamation suit on men in Singapore 9:31 When do abused husbands finally walk away from a marriage? 14:05 Why men don’t confide in their friends 18:40 Three reasons men stay in abusive marriage 19:11 Breaking the "bro code": How to check on a friend without making it awkward 32:39 Dating red flags - how to spot a potential abusive spouse Read more on abused spouses: https://str.sg/aqjX Helplines Family violence National Anti-Violence & Sexual Harassment Helpline: 1800-777-0000 (24 hours) AWARE Helpline: 1800-777-5555 (weekdays, 10am to 6pm) Care Corner Project StART: 6476-1482 (weekdays 10am-1pm, 2pm-5pm; except public holidays) TOUCH Family Support: 6317-9998 Lutheran Community Care Services: 6441-3906 / connect@lccs.org.sg Mental well-being National Mindline: 1771 (24 hours) / 6669-1771 (via WhatsApp) Samaritans of Singapore: 1-767 (24 hours) / 9151-1767 (24 hours CareText via WhatsApp) Singapore Association for Mental Health: 1800-283-7019 Silver Ribbon Singapore: 6386-1928 Chat, Centre of Excellence for Youth Mental Health: 6493-6500/1 Women’s Helpline (Aware): 1800-777-5555 (weekdays, 10am to 6pm) The Seniors Helpline: 1800-555-5555 (weekdays, 9am to 5pm) Tinkle Friend (for primary school-age children): 1800-2744-788 Counselling Touchline (Counselling): 1800-377-2252 Touch Care Line (for caregivers): 6804-6555 Counselling and Care Centre: 6536-6366 We Care Community Services: 3165-8017 Shan You Counselling Centre: 6741-9293 Clarity Singapore: 6757-7990 Online resources mindline.sg/fsmh eC2.sg chat.mentalhealth.sg carey.carecorner.org.sg (for those aged 13 to 25) limitless.sg/talk (for those aged 12 to 25) Read ST’s Opinion section: https://str.sg/w7sH Host: Lynda Hong (lyndahong@sph.com.sg) Produced and edited by: Hadyu Rahim Executive producers: Ernest Luis & Lynda Hong Follow In Your Opinion Podcast here and get notified for new episode drops: Channel: https://str.sg/w7Qt Apple Podcasts: https://str.sg/wukb Spotify: https://str.sg/w7sV Feedback to: podcast@sph.com.sg SPH Awedio app: https://www.awedio.sg --- Follow more ST podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 Get more updates: http://str.sg/stpodcasts The Usual Place Podcast YouTube: https://str.sg/theusualplacepodcast --- Get The Straits Times app, which has a dedicated podcast player section: The App Store: https://str.sg/icyB Google Play: https://str.sg/icyX --- #inyouropinionSee omnystudio.com/listener for privacy information.

Listener Q&A where Andy talks about: Can a spouse claim spousal benefits while delaying the start of their own benefit ( 10:40 )What's the best way to view your accounts in terms of how much of them are actually yours after accounting for eventual taxes you have to pay on them ( 14:08 )Can a minor be named as the beneficiary of a retirement account ( 23:28 )His thoughts on dividend stocks and funds ( 26:55 )Follow up thoughts about combining retirement account, in response to a previous listener question ( 34:43 )Considerations and gotchas around changing state tax domicile ( 39:30 )10 cognitive biases in investing, and which three I see the most in my practice ( 46:48 )Considering the present value of expected future Social Security payments when determining asset allocation ( 54:25 )Additional thoughts about the 4% rule and whether you can increase your distribution if your portfolio value increases ( 1:01:40 )To send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.comLinks in this episode:NASDAQ's summary of 10 cognitive biases in investing - here Retirement Planning Education podcast episode - #002 - What's the 4% RuleMy company newsletter - Retirement Planning InsightsFacebook group - Retirement Planning Education (formerly Taxes in Retirement)YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)Retirement Planning Education website - www.RetirementPlanningEducation.com

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In this episode, Mardi Winder sits down with Marcia Mantell to talk about one of the most important and often overlooked parts of life after divorce. your financial future. Marcia brings years of experience helping women understand retirement planning, Social Security, and how to rebuild confidence around money, especially when a divorce changes everything you thought your future would look like.Together, Mardi and Marcia talk about why so many women feel uncertain when it comes to long-term planning and how divorce can leave you feeling like you are starting over. Marcia explains in clear, practical language what women often miss when they are focused on simply getting through the legal settlement and why it matters to look further ahead. She also explains the Social Security formula and how the system offers an option for women or men who have spent years out of the workforce due to children or other issues. Together, they explore how to ask better questions, how to work with financial professionals, and how to step into money conversations with more clarity instead of fear or doubt. Marcia also shares insight into the unique challenges of divorce later in life and what women need to know about Social Security timing, benefits, and creating a sustainable plan for the years ahead. Throughout the conversation, listeners are reminded that it is never too late to get informed, make empowered decisions, and build a future they feel secure in.This episode is both reassuring and practical, offering thoughtful guidance for anyone who wants to feel more confident, prepared, and at peace about what comes next financially after divorce.About the Guest:Marcia Mantell is the founder of her own small business, Mantell Retirement Consulting, which is celebrating 20 years this year. Marcia is known for taking the complicated retirement, Social Security, and Medicare rules and translating them into language we can all better understand. And she's the author of 4 retirement books, a long-time blogger, a media columnist, and a podcast guest. Whether writing about or talking about retirement, she takes the opportunity to share as many helpful tips and tricks as possible. It's all about making a successful transition into retirement.To connect with Marcia and access her complimentary resources: https://boomerretirementbriefs.com/LinkedIn: https://www.linkedin.com/in/marciamantell/ Facebook: https://www.facebook.com/search/top?q=boomer%20retirement%20briefsAbout the Host: Mardi Winder is an ICF and BCC Executive and Leadership Coach, Certified Divorce Transition Coach, Certified Divorce Specialist (CDS®) and a Credentialed Distinguished Mediator in Texas. She has worked with women in executive, entrepreneur, and leadership roles, navigating personal, life, and professional transitions. She is the founder of Positive Communication Systems, LLC, and host of Real Divorce Talks, a quarterly series designed to provide education and inspiration to women at all stages of divorce. Are you interested in learning more about your divorce priorities? Take the quiz "The Divorce Stress Test".Connect with Mardi on Social Media:Facebook - https://www.facebook.com/Divorcecoach4womenLinkedIn: https://www.linkedin.com/in/mardiwinderadams/Instagram: https://www.instagram.com/divorcecoach4women/Youtube: https://www.youtube.com/@divorcecoach4womenThanks for Listening!Thanks so much for listening to our podcast! If you enjoyed this episode and think that others could benefit from listening, please share it using the social media buttons on this page.Do you have feedback or questions about this episode? Leave a comment in the section below!Subscribe to the PodcastIf you would like to get automatic updates of new podcast episodes, you can subscribe to...

Missionary martyr Jim Elliot famously wrote, “He is no fool who gives what he cannot keep to gain what he cannot lose.” Those words capture a vision of life that values eternal reward over temporary success—and they're being lived out today in an unexpected place: the NFL.When many people think of professional athletes, generosity may not be the first word that comes to mind. But Kirk Cousins, a 4-time Pro Bowl quarterback, is quietly challenging that assumption. For Cousins, faith isn't a compartment—it's the lens through which he approaches football, finances, family, and the future.A Faith Shaped at HomeKirk often points back to his upbringing as a pastor's kid. His parents modeled two complementary virtues: careful stewardship and open-handed generosity. Budgets mattered. Overspending was avoided. But when it came to helping others, generosity was practiced freely.That example left a lasting impression. As Kirk puts it, generosity was caught, not just taught. Watching his parents hold money loosely prepared him for a future where financial decisions would come with far greater stakes—and far greater temptation.When Kirk entered the NFL, the learning curve was steep. His first signing bonus—a six-figure check—was unlike anything he had ever seen. Unsure how to handle it, he called his dad for advice, only to discover they were navigating unfamiliar territory together.That moment marked the beginning of a stewardship journey that continues today. From the start, Kirk committed to simple but demanding principles: give first, save wisely, and live within bounds. Practicing those habits early helped anchor him when income grew and public pressure mounted.The Tension of a Finite CareerUnlike many professions, professional athletics comes with a built-in expiration date. That reality creates a unique tension: the need to save aggressively while still giving generously. For Kirk, that tension has become an invitation to trust God more deeply.Giving can feel risky when a career is visibly diminishing. Yet Kirk sees those moments as opportunities to shift the pressure off himself and back onto God—to believe that obedience and generosity create space for God to provide and direct what comes next.From Rules to RelationshipOne of Kirk's most compelling insights is the distinction between religious box-checking and genuine discipleship. It's possible, he admits, to treat giving like a checklist—do the minimum, meet the requirement, move on. But that's not the abundant life Jesus describes.Instead, Kirk points to Jesus' parable of the hidden treasure. When the treasure is truly seen as valuable, surrender becomes logical, even joyful. Financial decisions don't lead the heart; the heart leads the finances. When Christ is the treasure, generosity follows naturally.Scripture doesn't give a universal percentage or spending rule for believers. That absence is intentional—it drives us to prayer and discernment. Kirk and his wife, Julie, continue to wrestle with what “enough” looks like for their family, recognizing that the answer requires humility, wisdom, and the Holy Spirit's leading.Money, Kirk says, is a tool—a test, a testimony, and a means to an end. Growth without purpose risks becoming a search for control rather than an instrument for Kingdom impact. The question isn't just how much is being accumulated, but why.Unity in GenerosityOne of the most formative pieces of advice Kirk received early in his career was simple: always give in unity with your wife. That principle has shaped every major giving decision he and Julie make.Disagreement isn't ignored—it's prayed through. Spousal unity, Kirk believes, is often a channel through which God provides clarity and protection. Generosity practiced together strengthens both stewardship and marriage.As they consider estate planning and their children's future, Kirk and Julie intentionally prioritize wisdom over wealth. Their hope is not simply to pass down assets, but to raise children who can steward them faithfully.Their long-term vision includes generous support for their foundation and Kingdom causes, with no desire for wealth to linger aimlessly beyond its intended purpose. In Kirk's words, the goal is impact—not permanence.One place especially close to Kirk's heart is Christian education. His experience attending a Christian high school profoundly shaped his faith, and he's passionate about ensuring future generations have access to a similar formative environment. Supporting schools, teachers, and students has become a meaningful outlet for his generosity.A Different Definition of SuccessKirk Cousins' story reminds us that success isn't measured by contracts, trophies, or net worth—but by faithfulness. In a world that applauds accumulation, his life points to something better: surrender, trust, and joyful generosity rooted in Christ.As Ron Blue often says, the question isn't how much we can keep, but how much is enough—and what God would have us do with the rest.On Today's Program, Rob Answers Listener Questions:I recently sold my business, and after paying off debts and taxes, I expect to have approximately $2–$2.5 million. It's a bit overwhelming, but I feel incredibly blessed and grateful. I have a few questions: How should I invest this money safely, given that I'm pretty risk-averse? How much cash should I keep on hand? And I also have a question about tithing.Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Kirk CousinsJulie & Kirk Cousins FoundationWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Today we are talking with a psych resident who has maxed out his personal and spousal IRAs for two years in a row. He found a lucrative moonlighting gig that has helped increase his income. His secret to success is getting educated early so you can get off on the right foot. He shows that you can start building your wealth long before you have reached your max income. After the interview we talking about boosting your income for Finance 101. As a white coat, you have valuable knowledge. Various companies want that knowledge. And they're willing to pay you for it! That's why we've put together a list of recommendations for companies that pay you to take surveys. If you're looking for a profitable side gig for not too much effort, getting paid for surveys could be the perfect solution for you. You can make extra money, start a solo 401(k), and use your medical knowledge to impact new products. One of the WCI columnists makes an extra $30,000 a year just doing these surveys. Sign up today and use a fraction of your downtime to make extra cash! Go to whitecoatinvestor.com/MDSurveys The White Coat Investor has been helping doctors, dentists, and other high-income professionals with their money since 2011. Our free personal finance resource covers an array of topics including how to use your retirement accounts, getting a doctor mortgage loan, how to manage your student loans, buying physician disability and malpractice insurance, asset allocation & asset location, how to invest in real estate, and so much more. We will help you learn how to manage your finances like a pro so you can stop worrying about money and start living your best life. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor is for you! Have you achieved a Milestone? You can be on the Milestones to Millionaire Podcast too! Apply here: https://whitecoatinvestor.com/milestones  Find 1000's of written articles on the blog: https://www.whitecoatinvestor.com  Our YouTube channel if you prefer watching videos to learn: https://www.whitecoatinvestor.com/youtube  Student Loan Advice for all your student loan needs: https://studentloanadvice.com  Join the community on Facebook: https://www.facebook.com/thewhitecoatinvestor  Join the community on Twitter: https://twitter.com/WCInvestor  Join the community on Instagram: https://www.instagram.com/thewhitecoatinvestor  Join the community on Reddit: https://www.reddit.com/r/whitecoatinvestor  Learn faster with our Online Courses: https://whitecoatinvestor.teachable.com  Sign up for our Newsletter here: https://www.whitecoatinvestor.com/free-monthly-newsletter  00:00 MtoM Podcast #252 03:05 Psych Resident Maxes Out Spousal and Personal IRAs 15:30 Advice For Others 18:20 Boosting Your Income as a Doctor

When Greta Rideout pressed charges against her husband John in 1978, spousal rape was only considered a crime in four states. Rideout was one of the first women to press rape charges against her husband, opening the door for making marital rape a crime across all 50 states. Author Sarah Weinman discusses her new book on the subject, Without Consent: A Landmark Trial and the Decades-Long Struggle to Make Spousal Rape a Crime.

Listener Q&A where Andy talks about: Starting Social Security benefits early so your minor children can claim dependent benefits, and how the earnings test can come into play if you're still working ( 5:53 )Social Security spousal benefits, and what happens when the lower earning spouse starts their own benefit early at a reduced amount, then later switches to spousal benefits ( 10:35)Social Security survivor benefits and whether the surviving spouse should start their own benefits earlier before eventually starting the survivor benefit, and whether there will be a reduction to the survivor benefit as a result ( 13:46 )If spouses each have IRAs, does it matter from which IRA they take distributions ( 18:28 )How income from a decedent's investments is taxed after the death of the decedent ( 23:01 )Whether tax withholdings from wages is treated the same as tax withholdings from IRA distributions with regards to the IRS viewing the amount withheld as having happened evenly throughout the year to help avoid underpayment penalties and interest ( 30:57 )How to find a financial advisor/planner who works on a limited engagement basis for just certain guidance or questions (such as Social Security claiming questions and tax return reviews), without requiring management of investments  ( 36:49 )Why do so many advisors require management of investments to provide their planning services, and how to find an advisor who doesn't (this is an extension of the previous question) ( 41:14 )Using zero-coupon Treasury STRIPS in retirement for income after wages stop but before Social Security or other income sources start ( 45:40 )To send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.comLinks in this episode:Devin Carroll's Social Security Spousal Benefit CalculatorFinding an "advice-only" advisor - www.AdviceOnlyNetwork.comMy company newsletter - Retirement Planning InsightsFacebook group - Retirement Planning Education (formerly Taxes in Retirement)YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)Retirement Planning Education website - www.RetirementPlanningEducation.com

Welcome to hell, motherfuckers Approachability: 6/10 (The horror elements are simple enough; But the real scares are all too real (and very intense).) Content Warnings: Strobe effects; Racial violence (incl real photos/footage); Spousal and child abuse; Blood/gore; Jump scares Next Week's Film RandomHorror9 T-Shirts Hosts: Jeffrey Cranor & Cecil Baldwin (Find more of our work on Welcome to Night Vale) Logo: David Baldwin Random Horror 9 Patreon YouTube, Bluesky, Letterboxd, & Instagram: @RandomHorror9 We are part of Night Vale Presents Learn more about your ad choices. Visit megaphone.fm/adchoices

We try the Oreo Thanksgiving Dinner so you don't have to, BOOB TUBE: Alexis watched "Frankenstein" and Holly checked out "Being Eddie," Travis Barker's spousal compliments have us scratching our heads, and more BOOB TUBE: Holly's take on "One to One: John & Yoko"See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

A single misunderstanding about Social Security spousal benefits can cost couples thousands over retirement. This episode unpacks the real math behind how Social Security treats spouses, ex-spouses, and survivors, so you can make smart claiming decisions that protect both cash flow and long-term security.Listen to learn how the spousal benefit actually works: it's based on 50% of the primary earner's full retirement age benefit, not when they file. We walk through clear examples showing who qualifies, how marriage length and divorce rules apply, and when a lower earner can switch from their own benefit to a larger spousal amount.James also separates spousal from survivor benefits—because they're not the same thing. Survivor checks can reach up to 100% of what the deceased earned, which makes timing even more critical for the higher earner. You'll hear how early filing, delayed credits, and coordination with 401(k) withdrawals or Roth conversions all play into your bigger retirement income plan.The goal: help couples see Social Security not as a guessing game, but as one of the most flexible (and misunderstood) tools for creating reliable income.If you're planning around two benefit records, a stay-at-home spouse, or a late-career divorce, this episode will clarify your options and help you avoid the traps that quietly shrink your lifetime income.-Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Strategy ⬇️ Get Started Here.Join the new Root Collective HERE!

Jim and Chris discuss listener questions on spousal Roth IRA eligibility, backdoor Roth contributions using a solo 401k, Social Security timing, post-tax contributions to an IRA and 401k , and an HSA strategy coordinating withdrawals with Roth conversions.(9:30) George asks whether he can contribute to a spousal Roth IRA after his retirement if his wife […] The post Spousal Roth, Backdoor Roth, Social Security, Post-Tax Contributions, HSA Strategy: Q&A #2542 appeared first on The Retirement and IRA Show.

Can't Tear My Eyes From You, Chapter 7: Homosexual Romantic TraditionThe loophole in the challenge is exploited, but not all of the contestants are happy about it. Cast:Marge Dunn as Raine RandolphAmanda Egbu as Georgia WhittakerJosephine Moshiri Elwood as Valentina Ride and the Cash For Homes AnnouncerEleanore Cho Fellerhoff as Holliday Murdock and WifeJoshua Ilon as Customer 2Tooky Kavanagh as The Algorithm and Customer 1Quinn McKenzie as Capote WhittakerMelody Perera as Anouk KalharaStefano Perti as Dennis LangMarc Pierre as Sergeant MurdockStewart Evan Smith as Taylor Kelley and HusbandAlexander Stravinski as The Host and the Bully 1(Trigger warnings can be found at the bottom of this episode description and at the end of the transcript.)-------You can find all of our transcripts here. Transcripts will come out along with the public release of the episode and include all required SFX attributions.On staff at the Penumbra:Ginny D'Angelo -- Head of operationsMelissa DeJesus -- Script editing teamHarley Takagi Kaner -- Co-creator, director, sound designerJoelle Kross -- TranscriptionistGrahame Turner -- Script editing teamKevin Vibert -- Co-creator, lead writerRyan Vibert -- Composer and performer of original musicJeff Wright -- Graphic designer--------Trigger warnings:- Spousal abuse -- emotional, verbal, physical- Homophobia and transphobia- Racism and xenophobia- Abuse of authority- Violence and threats of violence- Sudden loud noises- Descriptions of military occupation and violence- Deception and gaslighting- Homelessness- Climate catastrophe- Descriptions of killingYou can find early and ad-free episodes, production scripts, commentary tracks, blooper reels, livestreams with the creators, and much more, at The Penumbra Podcast: SPECIAL EDITION. Hosted on Acast. See acast.com/privacy for more information.

When a sudden car crash shatters her world, a woman's grief and struggle to keep living leads her to an unexpected rebirth of love.Today's episode featured Polly Vickery. If you'd like to contact Polly, you can email her at pollyvickery81@gmail.com. Polly is on Instagram and Facebook @PollyVickery Producers: Whit Missildine, Andrew Waits, Ellen (Elly) Westberg, Aviva LipkowitzContent/Trigger Warnings: Child death, Spousal death, Graphic accident details, Medical trauma, Grief and bereavement, Suicidal ideation, Survivor's guilt, Anxiety/PTSD, explicit languageSocial Media:Instagram: @actuallyhappeningTwitter: @TIAHPodcast Website: thisisactuallyhappening.com Website for Andrew Waits: andrdewwaits.comWebsite for Aviva Lipkowitz: avivalipkowitz.comWebsite for Ellen Westberg: shedatespodcast.com Support the Show: Support The Show on Patreon: patreon.com/happening Wondery Plus: All episodes of the show prior to episode #130 are now part of the Wondery Plus premium service. To access the full catalog of episodes, and get all episodes ad free, sign up for Wondery Plus at wondery.com/plus Shop at the Store: The This Is Actually Happening online store is now officially open. Follow this link: thisisactuallyhappening.com/shop to access branded t-shirts, posters, stickers and more from the shop. Transcripts: Full transcripts of each episode are now available on the website, thisisactuallyhappening.com Intro Music: “Sleep Paralysis” - Scott VelasquezMusic Bed: Cylinder Four ServicesIf you or someone you know is struggling with the effects of trauma or mental illness, please refer to the following resources: National Suicide and Crisis Lifeline: Text or Call 988 National Alliance on Mental Illness: 1-800-950-6264National Sexual Assault Hotline (RAINN): 1-800-656-HOPE (4673)See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Some retirement options (like 401ks) can only be funded with contributions from income. So where does that leave full-time parents and homemakers? Luckily, there is a solution. Nicole breaks down the retirement option every spouse not earning income needs to know, and even how to include it in a prenup. This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments. All investing involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Public Investing, Inc., member FINRA & SIPC. Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. Cryptocurrency trading services are offered by Bakkt Crypto Solutions, LLC (NMLS ID 1890144), which is licensed to engage in virtual currency business activity by the NYSDFS. Cryptocurrency is highly speculative, involves a high degree of risk, and has the potential for loss of the entire amount of an investment. Cryptocurrency holdings are not protected by the FDIC or SIPC.  *APY as of 6/30/25, offered by Public Investing, member FINRA/SIPC. Rate subject to change. See terms of IRA Match Program here: public.com/disclosures/ira-match.