Podcasts about spousal

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.

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.

Sermon from Lifegate Church on 098/02/26. Be blessed as you listen.Support the show

Are you confused by financial jargon? Do you know the difference between a stock and an RRSP? In this episode of The Clear Money Mindset, host Ben Davies goes back to basics on the Registered Retirement Savings Plan. We break down exactly how an RRSP works, why it's described as a "container" rather than the investment itself, and how it can help you lower your tax bill today while saving for tomorrow. In this episode, you'll learn: A "Container": Why an RRSP isn't an investment itself, but a home for your stocks, bonds, and ETFs. Tax Hacks: How contributions reduce your taxable income (and might even boost benefits like the Canada Child Benefit). Strategic Planning: The difference between Individual and Spousal plans and when to use them. RRSP vs. TFSA: A simple comparison to help you decide where to put your money first. Hidden Perks: How to use your RRSP to buy your first home or fund your education. Whether you are rushing to meet the contribution deadline or just starting your financial journey, tune in to ensure you aren't missing out on potential tax savings!

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.

Discover how Missouri determines alimony payments, why the state's flexible approach differs from formula-based states, and what you need to know about modification, enforcement, and recent legislative changes affecting spousal support. For direct assistance, visit https://divorcelawyerstlouismo.com/family-law/need-a-family-law-attorney-in-st-charles-mo-get-help-now/ Lecour Family Law City: O'Fallon Address: 38 Crossroads Plaza, O'Fallon, MO 63368. Website: https://divorcelawyerstlouismo.com/

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.

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

⁠

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.

 Meet with us: http://talkwithjlp.com

1. Seth completes his review of Luke 10, examining Mary and Martha.2. Seth responds to question in the inbox about spousal abandonment.3. Seth discusses spousal abandonment.

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.

The 2026 figures for the value of resources that can be kept by a spouse if one spouse needs long-term care and applies for Medicaid to help pay for care costs are projected to increase. The value of resources can often be increased as discussed in this article.

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.

✍️ How to Modify Your Divorce Agreement in Lancaster? | Lancaster Divorce

Die Themen in den Wissensnachrichten: +++ Trophäen-Partner wohl tief in uns verankert +++ Litt Hitler an Entwicklungsstörung? +++ Weiterer Erfolg bei wiederverwendbaren Raketenteilen +++**********Weiterführende Quellen zu dieser Folge:Update Erde(A)symmetries in beauty-status exchange: Spousal relative income and partners' BMI (at) during marriage/ Economics and Human Biology, Dezember 2025Hitler's DNA. Blueprint of a Dictator/ Channel 4, 14.11.2025New Glenn Launches NASA's ESCAPADE, Lands Fully Reusable Booster/ Blue Origin, 13.11.2025Intranasal Oxytocin and Physical Intimacy for Dermatological Wound Healing and Neuroendocrine Stress. A Randomized Clinical Trial/ Jama Psychiatry, 12.11.2025Alle Quellen findet ihr hier.**********Ihr könnt uns auch auf diesen Kanälen folgen: TikTok und Instagram .

In this episode, writer Sarah Weinman walks Moira and Adrian through the story of the 1978 case Oregon v. Rideout and how spousal rape became a crime in the US. Weinman's book about the case -- Without Consent -- is out now. A moving, upsetting story about how the judicial system keeps pace (or doesn't) with legislation; how media shape how we think about social progress; and how that progress can come from strange places. PLEASE NOTE: This one comes with basically all the trigger and content warnings.

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!

Does your marriage need a tune-up? In this episode, Kelley Bell breaks down how simple, intentional “check-ins” with your spouse can strengthen connection, build emotional intimacy, and prevent silent resentment. Learn how to create space for honest conversation, realignment, and prayer, without it turning into conflict. Whether your marriage feels strong or strained, this episode gives you practical ways to talk, listen, and reconnect on a deeper level.Because healthy marriages don't happen by accident, they're maintained on purpose.

Episode Summary In this episode of the Canadian Immigration Podcast, hosts Mark Holthe and Alicia Backman-Beharry shine a light on one of the most overlooked pathways to staying in Canada: the open work permit for spouses and dependent children of permanent residence sponsorship applicants. They clarify who qualifies, how the process differs for in-Canada vs. Family Class applications, and how to avoid costly mistakes. With processing delays, stricter rules, and fewer temporary pathways, this episode is essential for couples navigating the PR journey. Key Topics Discussed Who's Eligible: Only spouses and dependent children included in a PR sponsorship (not PGWP holders or student spouses). Inland vs. Outland Sponsorship: Family Class applicants can now apply for open work permits too—without losing the right to appeal or travel. Processing Times & AOR: You generally need an Acknowledgment of Receipt (AOR) to apply—but there's a two-week grace rule if your status is expiring. How to Apply Properly: Must apply online through IRCC's portal with correct job codes and supporting documents—no flagpoling or border apps allowed. Out-of-Status Pathway: A slower paper-based route exists for applicants with no valid status, but only after getting approval in principle. Key Takeaways A valid PR sponsorship with AOR unlocks the open work permit. Don't wait—timing and document accuracy are critical. Even Family Class sponsors in Canada may qualify. Seek legal help to avoid costly delays or misrepresentation. Quotes from the Episode Mark Holthe:“If you don't follow the instructions, the processing times are so long that if something goes wrong, you're probably landing in a really tough spot.” Alicia Backman-Beharry:“You only have a two-week window. This is why I wanted to bring attention to this category—it can make a huge difference in people's lives.” Links and Resources Watch this episode on YouTube Canadian Immigration Podcast Book a consult Enroll in the Express Entry Accelerator and Masterclass Subscribe for MoreStay up-to-date with the latest in Canadian immigration by subscribing to the Canadian Immigration Podcast on iTunes, Spotify, or YouTube. Don't miss future episodes on policy changes, strategies, and practical advice for navigating Canada's immigration process. Disclaimer This episode provides general information about Canadian immigration and is not intended as legal advice. For personalized assistance, consult an immigration lawyer.

Aubrey Masango speaks to Claire Thomson, an attorney in private practice to unpack divorce settlements and maintenance. Claire further explains what really separates the two, and exactly what the law says about each. Tags: 702, Aubrey Masango show, Aubrey Masango, In community of property, Out of Community of property, Customary marriage, Divorce, Divorce settlement, Spousal maintenance The Aubrey Masango Show is presented by late night radio broadcaster Aubrey Masango. Aubrey hosts in-depth interviews on controversial political issues and chats to experts offering life advice and guidance in areas of psychology, personal finance and more. All Aubrey’s interviews are podcasted for you to catch-up and listen. Thank you for listening to this podcast from The Aubrey Masango Show. Listen live on weekdays between 20:00 and 24:00 (SA Time) to The Aubrey Masango Show broadcast on 702 https://buff.ly/gk3y0Kj and on CapeTalk between 20:00 and 21:00 (SA Time) https://buff.ly/NnFM3Nk Find out more about the show here https://buff.ly/lzyKCv0 and get all the catch-up podcasts https://buff.ly/rT6znsn Subscribe to the 702 and CapeTalk Daily and Weekly Newsletters https://buff.ly/v5mfet Follow us on social media: 702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/Radio702 702 on YouTube: https://www.youtube.com/@radio702 CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

Widow 180: The Podcast welcomes Amber Vogt, a recent widow navigating life after the sudden loss of her husband, Jay, in April 2024. Amber opens up about the shock and trauma of that day, parenting through grief, and the unexpected challenges of solo adulthood. Her story is raw, vulnerable, and ultimately inspiring. Here are five standout takeaways from our conversation:Trusting Your Instincts: Amber shares how paying attention to a “weird feeling”  caused her to go home from work and check on her husband—reminding us to listen to our gut, especially during uncertain times.The Fog of Grief: The initial days following loss can be a blur; Amber only remembers fragments and emphasizes that it's normal to struggle with memory, planning, and focus after trauma.Importance of Hard Conversations: Having discussed funeral wishes and life plans with Jay helped tremendously—Amber encourages everyone to talk openly about end-of-life decisions, no matter how uncomfortable.Seeking Help and Letting Go: From home maintenance to parenting and finances, Amber's journey highlights the value of asking for support and accepting that independence sometimes means leaning on others.Giving Yourself Grace in Change: Whether it's tackling household projects as a form of coping, adapting to new routines, or learning to forgive yourself for not having all the answers—Amber's story illustrates that healing requires patience, self-compassion, and permission to keep moving forward.Tune in every week for honest widow talk  and conversations about loss, resilience, and learning to rebuild life!Get our latest workbook in the Widow 180 Workbook Series, The Let Go Of Guilt Workbook if you need help releasing the tiring burden of guilt after losing your spouse. Get all of the details at https://www.widow180.com/guiltGet support from our community and join our Facebook Group, Widow 180 The Community on Facebook! Be sure to join our Facebook group, Widow 180 The Community: https://www.facebook.com/groups/312036956454927Also follow us on Insta: https://www.instagram.com/widow_180/Check us out on YouTube at Widow 180: The Channel: https://www.youtube.com/channel/UC-DK_dl31qMilJ5cE6t9MVQFor more blog posts and resources go to www.widow180.comQuestions? Email me at jen@widow180.com

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.

Episode 96 — Debunking Social Security Myths (Part 2)Episode SummaryIn this second installment of our two-part Social Security series, we continue busting the most common — and costly — myths surrounding Social Security.From the misconception that Social Security alone can fund a comfortable retirement, to the idea that everyone automatically qualifies for benefits, these misunderstandings can lead to financial shortfalls that are hard to recover from.We'll unpack the math, explore real-life examples, and explain why personalized retirement planning is essential. We'll also share a valuable strategy for those claiming spousal benefits — and how to avoid leaving money on the table.Remember: Social Security is important, but it's just one part of your retirement plan.What You'll Learn in This Episode:Why contributing to Social Security isn't the same as saving for retirementHow much income Social Security really replaces — and for whomThe truth about who qualifies for benefits (and who doesn't)Why some retirees are shocked by how little they receiveHow Australia's retirement system compares to Social SecurityWhen (and when not) to claim spousal Social Security benefitsKey Takeaways:Social Security is not a retirement plan. It's a supplement — not a substitute — for personal savings like IRAs or 401(k)s.Claiming early reduces benefits, and delaying only helps if it's your own benefit — not a spousal one.Spousal benefits cap out at 50% of your spouse's full benefit and do not increase after your FRA.Only those who've paid into the system for 10+ years qualify — and even then, benefits are based on your 35 highest-earning years.Under-the-table wages hurt your future benefits. Report income accurately to protect your retirement.A holistic retirement strategy — including taxes, income sources, longevity, and goals — leads to better outcomes.Referenced Resources:Listen to Episode 95 – Debunking Social Security Myths (Part 1)Social Security Administration Benefit Calculator: ssa.govAARP: Understanding Social Security's Progressive Benefit FormulaWant More?Subscribe to One for the Money on your favorite podcast platform.Ready to plan your ideal retirement? Schedule a free consultation with our team.https://BetterPlanningBetterLife.com Connect with Jonny on LinkedIn

A Marine was sentenced to 26 years for murdering his wife on base as the Army investigates another spouse found dead on Schofield Barracks weeks earlier. Wives are sounding the alarm about the violence and lack of information being provided to the community by military leadership. Staff Sgt. Alonzo Alcantara was sentenced on Sept. 30, 2025, for the murder of his wife, Ruby Tenorio Alcantara, who died just over a year prior, on Sept. 1, 2024. Alcantara admitted in court to using a rear-naked chokehold, a martial arts technique taught by the Marines, to kill his wife during an argument about finances and his legal troubles. But the autopsy report that HNN Investigates obtained shows she had a lot more injuries, indicating Alcantara did more that just a chokehold. The couple’s 8-year-old son witnessed the violence, it was revealed in court, and their younger child was also in the home at the time. The Alcantara children are now living with family members who are struggling to pay the bills. There is a GoFundMe set up to help.

You might have seen those viral articles promising a mysterious multi-thousand-dollar Social Security “bonus,” but are they actually legit? On the show this week, I separate fact from fiction, debunking the myths and sharing seven actionable strategies to help you get the most out of your Social Security over your lifetime.  Whether you're curious about how working longer, delaying your benefits, checking your earnings record, or understanding tax implications can impact your retirement paycheck, this episode is packed with valuable tips to help you make sure you're not leaving money on the table.  You will want to hear this episode if you are interested in... [00:00] Retirement Planning Misconceptions Explained. [03:25] Filling in or replacing "zero" or low-earning years boosts benefits. [04:26] Reasons for and against early collection. [06:48] Repay benefits within one year of starting to “reset” your claim. [08:15] Eligibility requirements for spousal benefits. [12:28] How to check your Social Security earnings. [13:00] Strategies to delay taxable distributions and reduce Social Security taxation. Debunking the Social Security "Bonus" Myth Many retirees have seen headlines promising a massive Social Security “bonus" that most people don't collect. Let's be real, this so-called "bonus" isn't some sort of secret benefit; it's a reference to the cumulative value you could gain over your lifetime by paying a little attention to your Social Security strategy and reducing your tax liability. In other words, there's no one-time check or hidden program, just savvy planning that can add up to tens of thousands more in your pocket. 1. Work Longer, Maximize 35 Years of Earnings The Social Security Administration calculates your benefit using the highest 35 years of your working life. If you retire with fewer than 35 years of work, the missing years count as zero, lowering your benefit. Even for those with a full 35-year history, additional years of higher earnings (often later in your career) can replace lower-earning years, bumping up your monthly check. Working a little longer not only increases your benefit but may also put you in a better position for retirement overall. 2. Delay Claiming Benefits  While you are eligible to start at age 62, waiting until your full retirement age (typically 66 or 67), or even delaying to age 70, can significantly increase your monthly benefit. For every year you wait past full retirement age (up to age 70), you receive an 8% credit, on top of any cost-of-living adjustments. There are some exceptions where it may make sense to claim early, such as serious health issues or unique family situations.  3. Unwind an Early Claim with Repayment If you've already claimed Social Security but then realize you made a mistake, there is a potential do-over option. If you started benefits within the past year, you can repay the benefits received (without interest) and reset your claiming strategy to earn a higher benefit later. This is a once-in-a-lifetime opportunity and includes repayment of any Medicare premiums withheld, so be sure this move fits your broader financial plan. 4. Don't Miss Out on Spousal and Survivor Benefits If you're married, you can claim a spousal benefit up to 50% of your spouse's benefit at your full retirement age. This strategy can be a huge game-changer for non-working or lower-earning spouses. When a spouse passes away, the survivor can step up to the higher of the two benefits, which is why it's important to maximize the higher earner's benefit for long-term security. 5. Check Your Social Security Earnings Statement Regularly Mistakes happen, even with Social Security's generally high record-keeping accuracy. Reviewing your annual earnings statement ensures all your income is being counted, and thus, your benefit is maximized. Errors not caught early can seriously reduce your benefit down the road. 6. Be Tax-Smart About Social Security Benefits By smartly timing IRA distributions, capital gains, and part-time work, you can potentially reduce or even eliminate the tax owed on your benefits for several years. For couples with a combined income under $32,000, none of the benefit is taxable, while at higher incomes, up to 85% can be taxed. Knowing these thresholds is key to tax-efficient retirement income planning. 7. Get Advice When Needed Social Security may be just one piece of your retirement puzzle, but it's a critical one. Consulting with a financial advisor can help you coordinate claiming strategies, minimize taxes, and make the right decisions for your unique situation. While there's no hidden "Social Security bonus" waiting to be claimed, a thoughtful approach to your Social Security strategy can result in thousands, even tens of thousands, of dollars more in your retirement years. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan

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.

Inheriting money from your spouse is a pretty straightforward process, but when money is passed down from parents or other family members, the rules get a bit more murky. Donna and Nathan discuss the process of distributing assets from a non-spousal inheritance, and the tax implications of getting it wrong. Also on MoneyTalk, Stock Trivia: Battle of the Sowas. —Indexed annuities are insurance contracts that, depending on the contract, may offer a guaranteed annual interest rate and some participation growth, if any, of a stock market index. Such contracts have substantial variation in terms, costs of guarantees and features, and may cap participation or returns in significant ways. Any guarantees offered are backed by the financial strength of the insurance company, not an outside entity. Investors are cautioned to carefully review an index annuity for its features, costs, risks, and how the variables are calculated. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 9/30/2025; Original Air Date: 7/1/2025. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

Host Wood shares reactions after listening to an episode of the Dear Future Wifey podcast's "Love After Loss" episode with married couple Ray and Lexus Singleton. After hearing some familiar and inspiring details about the introduction and courtship of the Singletons, Wood gets into some sharing about the part of spousal grief for which it's hard to find content - raw details about the early and mid period of an older widowers Year 1. Then, since we're talking about rookies, Wood speaks on on the intersection of what's being referred to as Black Fatigue and talking a lil' ball regarding Cleveland Browns 3rd string QB Shedeur Sanders.

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.

Marriage is like a mirror—it reflects both the beauty we love and the flaws we'd rather avoid. Like mirrors, our spouses often reveal truths about us that we can't see on our own. God uses marriage to shape us, to refine us, and to prepare us for His purposes. The problem is that none of us enjoy having our weaknesses exposed. Our natural instinct is to deny, defend, or pull away. But when we distance ourselves from our spouse's observations, we not only weaken the bond of marriage but also miss an opportunity for spiritual growth and deeper intimacy with God. Thriving marriages grow when we choose to look in the mirror instead of turning away. That means noticing our emotional triggers, inviting honest feedback, and communicating without blame. Practical tools like journaling, counseling, or even a monthly “mirror date” can help couples reflect and grow together. Proverbs 27:17 reminds us, “As iron sharpens iron, so one person sharpens another.” The next time you feel criticized or irritated, ask yourself: “What is this showing me about me?” Marriage is not just about comfort—it's God's way of making us more like Him. Lean into the truth your spouse reflects, and let it strengthen both your relationship with God and with each other

The hidden complexities of Social Security could cost retirees tens of thousands over a lifetime. While it may seem like a simple income source, the right strategy can dramatically improve your financial security.Claiming isn't one-size-fits-all. Protecting a spouse, guarding against longevity risk, or maximizing investments each call for a different approach. Traditional breakeven analyses often miss key factors like the opportunity cost of using investments while waiting for benefits.Spousal and survivor benefits can be game-changers—especially for couples with different earning histories. Even divorced individuals from long marriages may have powerful options.Taxes add another layer. Up to 85% of your benefits can be taxable, but with smart planning, that burden can shrink. And if you work while claiming early, your benefits may be reduced, erasing the advantage.Most importantly: retiring and claiming benefits are separate decisions. Your Social Security continues to grow whether you work or not, creating opportunities for better coordination across income sources and better after-tax income.Discover how mastering these Social Security secrets can transform your retirement strategy and your peace of mind.-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!

For years, the Windfall Elimination Provision and Government Pension Offset reduced benefits for those who had rightfully earned them. Now that those policies are gone, many are left with questions. Eddie Holland joins us to help clarify what's changed and what it means for your retirement.Eddie Holland is a Senior Private Wealth Advisor and partner of Blue Trust in Greenville, South Carolina. He's also a CPA, a Certified Financial Planner (CFP®), and a Certified Kingdom Advisor (CKA®).A Quick History of WEP and GPOThe Windfall Elimination Provision (WEP), enacted over 40 years ago, reduces Social Security benefits for individuals receiving a non-covered pension—a pension from which no Social Security taxes were withheld. This often included employees in state and local government jobs, such as teachers, police officers, and firefighters.Similarly, the Government Pension Offset (GPO) reduced a spousal or survivor benefit for individuals in the same situation. These rules were designed to prevent “double-dipping,” but they often unfairly penalized modest-income workers, sometimes reducing their monthly Social Security checks by hundreds of dollars—or even eliminating their spousal or survivor benefits entirely.The Social Security Fairness Act of 2025That changed on January 5, 2025, when President Joe Biden signed the Social Security Fairness Act. This legislation repealed both WEP and GPO, effective retroactively as of January 2024. As a result:Nearly 3 million Americans became eligible for retroactive benefits.Future monthly benefits for those affected have also been adjusted upward.This marks a significant win for many retired public servants who had long felt the weight of these provisions.What to Expect if You're AffectedThere are two phases of payments:Retroactive Payments – Starting in March 2025, some individuals received large one-time deposits representing the benefits they should have received since January 2024. These payments often arrived with little to no explanation, leaving many confused. Adjusted Monthly Benefits – Beginning in April 2025, Social Security began increasing ongoing monthly benefits for those impacted.It's important to note that these changes only apply to individuals with a non-covered pension, not all civil service employees.Steps to Take if You Think You QualifyIf you believe these changes may apply to you, Eddie recommends two simple steps:Check Your Account Online. Visit SSA.gov to log in to your account (or create one if you haven't already). Contact the Social Security Administration. If your account doesn't show any updates or you have questions, call 1-800-772-1213 or schedule an appointment at your local SSA office to speak directly with an agent.If navigating these changes feels overwhelming, consider consulting a Certified Kingdom Advisor (CKA) who specializes in matters related to Social Security, who can help you make informed, faith-based financial decisions. You can find one in your area by visiting FaithFi.com and clicking “Find a Professional”. On Today's Program, Rob Answers Listener Questions:I'm 60 years old and planning to retire early at 62. I'd also like to pay off my house before I retire. Is that a smart move, and is it realistic given my current financial situation?I understand that retiring before my full retirement age will result in a reduction of approximately 8% per year in my Social Security benefit. How do Social Security cost-of-living adjustments factor into that reduction?My grandson wants to be added as an authorized user on my credit card to take advantage of my good credit score so he can get a lower interest rate on a car loan. Is that a wise decision?At what age am I required to start taking distributions from my 401(k)? Also, I have two family members—one with dementia and another recovering from a stroke. How can we protect their assets, such as their house and 401(k), if they need long-term care?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Social Security Administration (SSA.gov)Wisdom 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) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

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.

For married couples planning their retirement, understanding spousal Social Security benefits can seem like a labyrinth. This week, I'm answering a listener's question about how spouses can maximize their Social Security benefits. Join me as I break down the key rules, eligibility requirements, and strategies that can help you and your spouse make the most of your benefits over your lifetimes.  Whether you're nearing retirement or still a few years away, I can help you understand primary insurance amounts, full retirement age, and what happens if one spouse claims benefits early. If you want to ensure you and your loved one have a smart plan for Social Security, this episode offers essential insights and actionable advice. You will want to hear this episode if you are interested in... [02:33] Eligible spouses may receive at least half of their partner's full retirement benefit. [05:25] How much of a spousal benefit will you receive?  [07:42] Strategies to manage spousal benefits. [09:54] Spousal benefits are reduced by $1 for every $2 earned over the limit. [10:30] Applying for a spousal benefit. Understanding Spousal and Survivor Social Security Benefits  Spousal benefits exist to ensure that partners in a marriage—including those who spent little or no time in the workforce—can still access a stable retirement income. If you're married, you could be eligible to receive up to half of your spouse's full retirement benefit, commonly referred to as their Primary Insurance Amount (PIA). This benefit is designed for spouses who don't qualify for a significant benefit on their own due to having spent less time in the workforce, perhaps because they were caring for the home or raising a family. At a minimum, every spouse can claim at least 50% of their partner's PIA, but only if their own benefit is less than this amount. This safety net helps ensure that lower-earning spouses are not left without Social Security support in retirement. Eligibility Requirements: Who Qualifies and When? To collect a spousal benefit, several conditions must be met: The Higher-Earning Spouse Must File: You cannot receive a spousal benefit until your spouse has filed for their own Social Security retirement benefit. Minimum Age: The spouse collecting the spousal benefit must be at least 62 years old. Marriage Requirements: You must be legally married, though in some states, common law marriages are recognized. Timing Matters: To collect the full 50%, you must wait until your own full retirement age, which is generally 67 for those born after 1960. Claiming earlier results in a reduced benefit, often as low as 32.5%-37.5% of your spouse's PIA if you file at age 62. For example, in the listener scenario discussed in the episode, the wife began her benefit at 64. Because she started before her own full retirement age, she is only eligible for 37.5% of her husband's benefit—less than half. Strategies for Maximizing Spousal Benefits Determining when to claim Social Security is a nuanced decision: Higher-Earning Spouse Delays, Lower-Earning Spouse Claims Early: Often, the lower-earning spouse might claim their own benefit early, while the higher earner waits until full retirement age or even 70 to claim. This maximizes the survivor benefit for the lower earner, as a widow or widower can "step up" to the deceased spouse's higher benefit. Cost of Living Adjustments (COLA): Increases in Social Security benefits due to COLA apply both to individual and spousal benefits. Because COLA is a percentage, it may cause dollar amounts to shift, but it will not change the eligibility for claiming spousal benefits unless there is a significant gap. Survivor Benefits: If the higher earner passes away, the surviving spouse can "take over" the higher benefit. This makes it advantageous for the higher earner to delay benefits if the couple is concerned about long-term financial security. How to Apply for Spousal Benefits Applying is straightforward and can be done online at SSA.gov, by calling the Social Security office, or in person. Be prepared to provide proof of age, a marriage certificate, and possibly your spouse's work records. Maximizing Social Security as a couple comes down to knowing the rules, timing your decisions, and using strategic thinking to boost your household's retirement income. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  Benefits for Spouses  Collecting Divorced Social Security Benefits Ep41 Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan

Difference in premiums with Medicare Supplements. Importance of Callbacks.  Rite Aid closures.  Cuts to Medicare.  Spousal discounts.

Guest Bio: Heather Kolb is the Associate Director of Product Development and a neuroscience professional for Pure Desire. She has a Bachelor's degree in Psychology, a Master's degree in Criminal Behavior, and is a certified Pastoral Sex Addiction Professional (PSAP) through the International Institute for Trauma and Addiction Professionals (IITAP). Heather has been trained in the Multidimensional Partner Trauma Model (MPTM) through The Association of Partners of Sex Addicts Trauma Specialists (APSATS). She worked several years as a college professor prior to joining Pure Desire. She is also a speaker and contributing author to Digital Natives: Raising an Online Generation, Unraveled: Managing Love, Sex, and Relationships, Betrayal & Beyond, and Authentically You.   Show Summary: When was a moment in your life when you felt betrayed? Heather Kolb was in the thick of parenting young children when she found out her husband was being dishonest with her and battling sexual addictions. Scared and heartbroken, Heather stepped away from the church and managed things on her own until she found Pure Desire Ministries. Join hosts Elisa Morgan and Eryn Eddy Adkins as they hear from Heather about her story and discover how we can recover from patterns of addiction during this God Hears Her conversation.  Notes and Quotes:  “My life felt out of control, and yet I had been doing all the things that I had been taught to do in the church. I had been praying and reading my Bible and waiting for God to deliver me from this unbearable situation, and [what I had prayed for] happened, but it didn't happen the way that I prayed for it to.” —Heather Kolb  “There are parts of my story that I wish I had answers to and I don't have any closure on. But I do know that God held me through—even when making bold decisions that other people disagreed with.” —Eryn Eddy Adkins  “What are those core messages, the negative core beliefs that you have about yourself?” —Heather Kolb  “When discovery or disclosure [of a sexual addiction] happens, you are walking into the middle of a story.” —Heather Kolb  "The best way to find healing for yourself—not even for the marriage, because that decision might come later—is to find safety and stability and reclaim your identity in Christ by joining a group of other women who are walking a similar road of healing.” —Heather Kolb  “I kept silent, I quietly left the church, I didn't tell anyone. That piece of it really left a hole in my heart for a lot of years because I couldn't trust anyone.” —Heather Kolb  “[A safe group of women] is going to be the thing that helps you to build safety and stability, not only for your marriage but for you—as a person and as a daughter of Christ—to find who you are in the midst of this messiness.” —Heather Kolb  Related Episodes: GHH Ep 145 – Sitting on the Sidelines with Bethany Toney: https://godhearsher.org/podcast/sitting-on-the-sidelines/ GHH Ep 168 – Walking Through Infidelity with Jami Nato: https://godhearsher.org/podcast/walking-through-infidelity/ GHH Ep 196 – Seeking Pure Desires with Ashley Jameson: https://godhearsher.org/podcast/seeking-pure-desires/  Links:  Pure Desire Ministries Website: https://puredesire.org/ Pure Desire Ministries Instagram: https://www.instagram.com/puredesirepdmi/ Pure Desire Ministries Facebook: https://www.facebook.com/PureDesirePDMI/ Unshakable Moxie BOGO Deal: https://go.odb.org/bogoGod Loves Her Devotional: https://a.co/d/7F8R0qCGod Hears Her Instagram: https://www.instagram.com/godhearsher/?hl=en God Hears Her Facebook: https://www.facebook.com/GodHearsHer God Hears Her website: https://go.odb.org/ghh191  Subscribe to the God Hears Her YouTube channel: https://www.youtube.com/@GodHearsHerODBM Share Your Story:  https://godhearsher.org/share-your-story/ God Hears Her email sign-up: https://go.odb.org/ghh-sign-upsfmc191  Subscribe on iTunes! https://podcasts.apple.com/us/podcast/god-hears-her-podcast/id1511046507?utm_source=applemusic&utm_medium=godhearsher&utm_campaign=podcast Shop God Hears Her books and resources: https://go.odb.org/ghh-shop191  Unshakable Moxie Series: https://read.odb.org/unshakable-moxie/ Elisa's Instagram: https://www.instagram.com/elisamorganauthor/ Eryn's Instagram: https://www.instagram.com/eryneddy/ Vivian's Instagram: https://www.instagram.com/vivmabuni/ Our Daily Bread Ministries website: https://go.odb.org/odbm191  

Artificial intelligence isn't just a buzzword anymore. It's driving market highs, reshaping industries, and sparking debate about whether it's a bubble or a lasting revolution. In this week's Money Hour, Jeremiah and Nic talk about how AI could impact investments, jobs, and even wages. They explore where AI already outperforms humans and why emotional intelligence may be the skill that keeps you relevant in the workplace. The guys also unpack the latest updates on Social Security, clarifies common misconceptions about spousal and survivor benefits, and explains why relying on the SSA for advice could cost you. Plus, they highlight big changes coming out of the “Big Beautiful Bill,” including new opportunities with 529s, the rollout of “Trump Accounts” for kids, and tax code updates that could save retirees thousands.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Host: Jeremiah Bates & Nic Daniels

In this episode, financial advisors and retirement planners Jim Martin & Casey Bibb of Martin Wealth Solutions continue their deep dive into Social Security, focusing on strategies to maximize your benefits. They discuss the importance of understanding your full retirement age, the impact of claiming early or delaying, and how spousal and survivor benefits can play into your plan. Jim & Casey also cover taxation of benefits, coordination with other income sources, and key mistakes to avoid. This episode offers practical, clear guidance to help you make the most of your Social Security decisions. Want to work with us? Visit: http://retirewithmartin.com/ Learn more: www.planwellretirehappy.com 00:00 Introduction to Today's Topic 00:38 Review of Social Security Basics from Part 1 02:14 Full Retirement Age and Its Impact 04:56 Early Claiming: Pros, Cons, and Long-Term Effects 08:20 Delaying Benefits for Higher Payouts 11:05 Spousal and Survivor Benefits Explained 15:32 Taxation of Social Security Benefits 18:45 Coordinating Social Security with Other Income 22:10 Common Mistakes and How to Avoid Them 25:54 Final Thoughts and Next Steps Opinions expressed herein are solely those of Martin Wealth Solutions, unless otherwise specifically cited. Material presented is believed to be from reliable sources, but no representations are made by our firm as to another parties' informational accuracy or completeness. Content provided herein is for informational purposes only and should not be used or construed as investment advice or a recommendation regarding the purchase or sale of any security. There is no guarantee that any statements, opinions or forecasts provided herein will prove to be correct. All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation. Past performance may not be indicative of future results. Indices are not available for direct investment. Any investor who attempts to mimic the performance of an index would incur fees and expenses which would reduce returns. Securities investing involves risk, including the potential for loss of principal. There is no assurance that any investment plan or strategy will be successful.