Podcasts about Tax

While they cover for Epstein Class pedophiles, the Trump DOJ is fulfilling the Project Esther agenda, cracking down on the 1st Amendment rights of American citizens in the name of Talmudic Zionism - and the rest of the US government, at all levels, is doing the very same thing...

Core Flooring Center sponsor read with flooring installation across Central Florida Core Flooring offers laminate, vinyl plank, wood, carpet, and dustless removal 10% off flooring and labor plus 0% financing for 24 months with Tom and Dan mention Core Flooring donates part of sales to Save a Life Pet Rescue Listeners who use Core Flooring can send photos and join the hosts for drinks and gifts A Mediocre Time intro from the Just Call Moe Studio $5 BDM shirt deal ended, but extra shirts will be sold at the event BDM Appreciation Event is April 11 at 6 p.m. for active BDMs and guests Event lineup includes DJ Ryan Sharp, Jeff Howell, Casey Howell, Tom the Bomb, and The Juggling Jacks The Juggling Jacks feature juggling, unicycles, and trained poodles Outdoor studio idea sounds fun but Florida heat, bugs, and sound make it a bad fit Tom talks about cold-damaged backyard plants and palms after the freeze One bottle palm may still be alive while others look cooked Plant recovery gets compared to Dan's slow hip recovery Failed attempt to make grout white leads to spray-painted grass jokes A school once painted dead grass before photos or events Listener says Teslas become impossible not to notice once pointed out Tesla logo, ugly Cybertrucks, and Kia's confusing rebrand spark logo talk They joke about people suddenly noticing things everywhere after hearing about them BuzzBall talk leads to spotting them all over gas stations and Wawa Massive Sunoco on 1792 gets praised for weird inventory and giant BuzzBall display Independent gas stations are celebrated for craft beer, pipes, knives, sex toys, and random junk Kenny the Pervert voicemail kicks off genie loophole debate They argue whether a third wish for a new genie beats the no-more-wishes rule Robin Williams in Aladdin becomes the gold standard for genie law The show spirals into shortcut culture, cheating systems, and loophole fantasies Kalshi and betting markets raise questions about insider info and unfair edges They debate whether success comes from hard work or spotting an edge early Tom and Dan say early podcasting worked because they understood audience value before others did Live event turnout proved engaged listeners mattered more than old radio numbers Gambling gets compared to everyday decisions based on limited information Dan admits risk decisions about hip recovery can trigger anxiety Hip replacement lowered his baseline anxiety by removing constant pain DeBary Joe calls in while secretly smoking weed with his partner's parents visiting for five weeks They debate younger people saying partner instead of boyfriend or girlfriend An audiobook voice interrupting the voicemail causes chaos Fingerprint science argument turns into refusing to fact-check on principle McDonald's nostalgia covers menu songs, PlayPlaces, birthday parties, and old jingles They wonder whether any McDonald's still offers birthday parties McDonald's once felt like a real family destination, not a trashy party choice Kids would still love a McDonald's birthday party even if parents judged it PlayPlaces, Ronald McDonald, liability, and staffing help explain why parties faded away Las Vegas voicemail asks if bringing an escort to a company party would get someone fired They joke that a high-end escort would blend in better than a movie-style hooker Male escorts, gigolos, and Deuce Bigalow get dragged into the conversation Prostitution talk pivots into a MyEternalVitality.com ad with Dr. Powers Hormone therapy is pitched for fatigue, brain fog, irritability, and low energy Gut testing can reveal foods causing inflammation and symptoms that mimic hormone issues Andrea's hormone treatment and food sensitivity talk get used as examples Bad Boys nostalgia covers all four movies and the original Miami setting Martin Lawrence's public breakdown leads to debate over stress versus drug use They argue drugs are usually behind the most extreme celebrity meltdowns Bad Boys was originally set up for Dana Carvey and John Lovitz They say Will Smith and Martin Lawrence made the movie work despite a weak script John Lovitz once visited the studio, brought his dog, and shed all over the couch Lovitz also wanted a much longer interview than expected Fear Factor reboot talk includes snake cruelty complaints and who even watches network TV now They question TV ratings, streaming numbers, and whether anyone is truly watching Bluey gets called the most watched show mostly because kids loop it nonstop They argue modern viewership stats are muddy, inflated, and kind of useless David Bowie predicting the internet in 1997 still feels dead-on Early internet visionaries saw streaming coming long before the tech could support it RV and home TV talk turns into debate over whether giant televisions still matter Phones and tablets now dominate how younger people consume media Streaming services get slammed for bad support and unreliable 4K quality Amanda Seyfried prosthetic body-part story leads to jokes about props versus CGI They wonder how many weird celeb stories are just planted promo bait McDonald's viral marketing talk turns into a broader rant about agency strategy and fake authenticity Jeff Blasey, early studio lighting, and TV psychology lead to discussion of manipulative marketing tricks Drug ads, actors playing patients, and blurred ad disclosure all feel gross Corporate power and capitalism spiral into a depressing but familiar show rant They admit independent media is harder, but it gives them control and closer ties to listeners Small businesses offer better service while giant chains win on speed and price Restaurant decline makes cooking at home feel more appealing They hope people still want real human work instead of AI slop AI may help with backend tasks, but not art, menus, or creative stuff people actually see Hollerbach's German Restaurant gets praised as a full Sanford night out with food, drinks, music, and pins Big roadside billboards used to feel magical, especially the old Universal E.T. sign Digital billboards feel less memorable and less effective than old practical ones They question whether billboard ads really work, even after trying them Reddit story about a fake-working security guard sneaking into concerts and games for free They debate whether the scam is harmless until greed pushes it too far More scam talk includes hacked cards, bank robbery stories, old discount perks, and surviving on corporate crumbs Forgotten Hooters cards, dead ad accounts, and leftover company resources become accidental loophole legends Tax write-offs, audit odds, and corporate waste spark more rule-bending talk The show ends with a terrible St. Patrick's Day rap and disbelief over the line leprechaun baby ### Social Media https://tomanddan.com https://twitter.com/tomanddanlive https://facebook.com/amediocretime https://instagram.com/tomanddanlive Where to Find the Show Apple Podcasts: https://podcasts.apple.com/us/podcast/a-mediocre-time/id334142682 Google Podcasts: https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkLnBvZGJlYW4uY29tL2FtZWRpb2NyZXRpbWUvcG9kY2FzdC54bWw TuneIn: https://tunein.com/podcasts/Comedy/A-Mediocre-Time-p364156/ Tom & Dan on Real Radio 104.1 Apple Podcasts: https://podcasts.apple.com/us/podcast/a-corporate-time/id975258990 Google Podcasts: https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkLnBvZGJlYW4uY29tL2Fjb3Jwb3JhdGV0aW1lL3BvZGNhc3QueG1s TuneIn: https://tunein.com/podcasts/Comedy/A-Corporate-Time-p1038501/ Exclusive Content https://tomanddan.com/registration Merch https://tomanddan.myshopify.com/

Frankie Stockes fills in for Stew Peters and drills down on the latest efforts of Israeli-run political machines to hide their true ambitions and subvert the American political system.

Inside the DC beltway, the Epstein Class is in a panic as Americans wake up to Israeli control over the US government and its war with Iran, while just outside the beltway, public school perverts are running cover for illegal invaders who rape American kids.

Mayor does his deep dive on the warm temperature records in Los Angeles. It is truly unbelievable that the state's DHS claims that it could not investigate kickbacks as a form of fraud. Robot goes crazy at CA restaurant. Johnny Heidt with guitar news. Heard On The Show:Lexington woman and boy killed in suspected double homicideGovernor's budget plan: Tax cuts for middle-class families, spending cuts to nursing homesGulf oil facilities evacuated after Iran threatSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Team Trump has been left reeling as Joe Kent, a longtime MAGA supporter, tenders his resignation and refuses to serve Israel, reflecting the wider sentiment of the American People, including millions of Trump's now-former supporters. Are the American People waking up? Frankie Stockes sits in for Stew Peters on tonight's broadcast of The Stew Peters Show.

Re-releasing a DAT listener favorite! Chris Sands and Brent Saunier are on the podcast to talk about the hottest topics in the dental accounting world. Founding partners of Pro-Fi 20/20, these dental CPAs chat with Kiera about how to reduce overhead and expand the number of patients coming in, expense metrics from the hundreds of offices Pro-Fi works with, a tax rule you NEED to live by, what to stay away from financially with your business, and a ton more. Pro-Fi 20/20 is an accounting business that the Dental A-Team recommend. This episode is a goldmine of information from two fellows who know what they're talking about — especially with regard to the dental industry. Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript: Kiera Dent (00:00) Hello, Dental A Team listeners. This is Kiera. And today we are bringing you something so special. I am so excited because this is one of our most popular episodes from the archives. Whether you're hearing this for the first time or catching it again, I am so excited because it's jam packed with a ton of takeaways that you can start using right now in your practice. We have released thousands, literally thousands of episodes. And I wanted to start bringing a few of these amazing episodes back for you. So I hope you enjoy. And as always, thanks for listening and I'll catch you next time.   on the Dental A Team podcast.   speaker-0 (00:31) today I wanted to bring on two special guests. These are actually CPA in the CPA world. Believe it or not, Dental A Team actually consults this company. So we definitely love them. They went a step above most CPA companies and they really wanted to get to know the ins and outs of the dental world. So I'm super jazzed to bring them on and to just have them dive into some of the hot topics in the accounting world. ⁓ two people that I trust and recommend heavily. ⁓ I   They are one of my top three CPA firms that I refer and recommend constantly. So I'm excited to welcome Chris and Brent from Pro-Fi. How are you gentlemen today?   speaker-1 (01:06) Awesome, Kiera. Thanks so much for having us. We're excited to be with you.   speaker-0 (01:10) Yeah, absolutely. Brent, how are you doing today?   speaker-2 (01:12) I am doing great. I appreciate the invite. I'm looking forward to this 30 minutes with you.   speaker-0 (01:17) Yeah, absolutely. Well, who knows? We'll see how long this ends up going, guys. Brent, can't put a time on us. It could be dangerous zone.   speaker-1 (01:24) You're lucky he said he's doing great because we're in the heat of extended tax season, so he's kind of in the trenches. Lucky he's in a good mood.   speaker-0 (01:32) I know Tiffany has been trying to get back out to you guys to see you and Beth you heard this awesome rock star in the company She keeps saying like tiff. It's like extended tax time or it's this or it's that deadline I'm like, my gosh, you guys just have I think you're secretly adrenaline junkies of CPAs even though you don't come across that way But I think you love it cuz tax season I feel is just like adrenaline rush like trying to get to the deadline. I just can't imagine that stress like   Every quarter every year you just hit it. So props to you guys. That's not my world but super jazz to have you guys on here. ⁓ so Chris let's dive in I know there's some things so we're gonna kind of hit on overhead we're gonna talk about some taxing some Some things to be aware of i'm just so excited because this is a world I don't know and I do purposely bring really really talented and educated cpas and financial advisors onto the podcast because I'm we have a three-fold approach in our company. It's focusing on   Money and finances making sure your business is profitable you as a person and as an individual and then systems and teams top to bottom So I am big I think as a business owner. I wasn't profitable when I first started. I didn't know how to look at my numbers I didn't even know what the heck over influence. I was like googling how to figure it out So i'm just jazzing you guys are here. So Chris kind of take us away I know you had some great topics for today and i'm excited to just   Rift a little bit with you, dive into these things, things that are really tangible for our practices now, especially where you guys work with hundreds of offices across the nation. Lots of good data to be pulling out for our practices listening.   speaker-1 (03:04) Sure, well, ⁓ Kiera, I think that there's a lot of discussion around, does the DSO world seem to do a better job with overhead than the private practice world? I think a lot of private practice doctors are wondering that, they're frustrated or how do I get my overhead down? And a lot of times, I think when you focus on expenses, you tend to attract expenses. And in our world of accounting, I will often tell doctors that, ⁓   Accounting cannot make you money, it cannot generate revenue. The expenses part is the easy part for us that we can work on trying to reduce some things, but you either have a revenue problem or an expense problem. And in most cases it's actually, you creating enough revenue on your fixed expenses? And most of dentistry doesn't understand how simple that is to scale the dental business model when you look at it from a high level.   You scale a business and reduce overhead with doctor production. Okay. And so that means you need enough patients to see the practice that I worked in from my experience was 40 to 60 new patients a month per doctor, per full-time doctor. And it means you need to be reinvesting enough into marketing. And I'll talk about that, that expense or reinvestment of marketing in a minute to get those new patients. And you need to be.   monitoring the phones that get answered properly and there's conversion rate of those inbound calls to appointments scheduled. And then the real job is case acceptance. Okay, and so here I am in an accounting firm coming on your podcast and I bet you didn't think I was gonna like be talking about case acceptance.   speaker-0 (04:46) was like, wonder we didn't talk about all your time. I'm just kidding.   speaker-1 (04:49) So, know, dentistry is really the product that's being delivered. And if you're ethically diagnosing the need and creating the treatment plan, your job is to help the patient understand the urgency and necessity of fixing the problem and paying you to do that work. So your job isn't really the dentistry itself, it's case acceptance.   And your first task is to become great at case acceptance yourself as a practicing clinician. But then the real task as the owner is to be able to teach other doctors to become good at it. So I think, you know, the only the only variable overhead that the dental business model has is paying doctors a percentage of the dental collections that they create. And then you have labs and you have supplies.   associated with the dentistry that's delivered. those expenses are variable. They track with the amount of dentistry that gets done. Everything else is fixed overhead when you really think about it. Marketing is fixed and it only changes based on your choosing. Your team expenses are fixed and they only change when you hire or fire. Your rent and facility costs are fixed. Your equipment costs are fixed and only changed by your choosing. And the various required admin costs, they're all pretty much fixed. They only change by your choosing.   So if you can create more doctor generated collections with the same team and fixed expenses, your profit margin goes up, your percentage overhead, your percentage overhead to collections ratio goes down. Okay. And so I guess we see most private practice or single, should certainly say single location, solo doctor practices. We see them failing at this because they choose not to reinvest enough.   back into the business, into that marketing for new patients. They're not monitoring the phones. They're not training their team. They're not training their doctors on case acceptance. And they're too closely focused on just the clinical delivery of the dentistry. Don't get me wrong, that's required, but that's not what makes you successful or financially successful. So I can give you ⁓ some generic ranges for expenses, but the real thing is that   You know, the real way to scale a business is to generate more revenue on the same overhead. That's kind of the definition.   speaker-0 (07:20) And isn't that basically then probably the DSO model because they have lower fixed costs per se. They've figured out how to have centralized billing, centralized call center, centralized. So many things centralized that they don't need all these different things. So solo practices, if I'm understanding correctly, they've got all the costs associated, but they only have X number of revenue where when you start to add in those multiples of practices,   That's where your fixed costs, it's going, yes, of course your fixed costs will increase a bit, but I mean, I do know our fixed costs did not go up that much more when I added our second practice to it because I already have my base of fixed costs there and then we're just able to add more revenue. Is that kind of what you're saying? Am I understanding?   speaker-1 (08:01) Yeah,   I mean, you know, that, part about centralizing is, know, when you, when you do have multiple locations, I would say three or more, then you can consolidate the amount of team that's working the front desk into one location. Instead of needing three to five team members at the front desk in every office, you may only need three to five team members for all three offices. You're having one of the best things by the way, as kind of an aside, one of the best things that private practices can do as they grow is to get those phones off the front desk. You know, let.   speaker-0 (08:20) Right, right.   I agree.   speaker-1 (08:30) You know, like there needs to be, that needs to be in a totally separate admin space. But, ⁓ you know, I get asked that question a lot. Like my overhead is 65 % and how can I afford to hire another associate doctor and pay them 30 or 35 %? Well, you know, that doctor is going to create new collections. That's the point. It's not to give them your patients. It's to grow the number of patients coming in that, that you as one doctor maybe are stressed.   and you hire the next doctor and you've got to continue to invest in the marketing to keep your job as the owner is keep the chairs full, right? As long as the chairs are full, if that associate doctor is ethically diagnosing like you are, if you guys have a ⁓ clinical standard of care in your practice, if you guys talk about how you treatment plan and your treatment planning the same way, that's all required. But here's the real test. You know, how do they connect with people? How do they, how do they,   establish a relationship, establish trust and get them to move forward with that treatment. So I think dentists hate to use this word in dentistry, but the job is kind of sales. You know, if you believe in your product of dentistry to solve this need and like, again, if you diagnose decay and they don't get rid of it, you failed. I could go on a tangent on that, but the new doctor will bring new collections and you might have to hire at most, you know, an additional   speaker-0 (09:46) Yeah.   speaker-1 (09:55) Assistant or two and that would be a new fixed overhead. You would increase your fixed over it slightly But other than that the doctor covers all their costs with their their percentage pay the labs that are associated with it that the supplies are associated with it and You should net somewhere in the ballpark of 40 to 50 percent on the new collections they create and that that just adds to your profit Because all the other fixed overhead stays the same   speaker-0 (10:19) So I think there's a few things on there of like, I just, think it's a matter of realizing a lot of people bring on associates though, because they're tired, they want more free time. They don't want to be working as much. And I think it's important to clarify that if that's your model, that's totally fine. Everybody knows on the deadline team, I am not somebody who judges. I think everybody has their own personal path.   And so whatever jives with you and resonates with you. So if you're wanting to bring on an associate to have more free time, to not have to produce as much, fantastic, but realize that that overhead might not trickle down because now you're kind of replacing your cost with an associate that you're paying. And some doctors I know don't take as much pay as they would pay an associate per se, which to me, I think is a somewhat failed model. I'm really big on prepping and preparing for that associate, paying yourself as if you were an associate. So you know, these costs before you bring on an associate.   ⁓ but I really think it's important to note that because like you're saying that overhead will go down as long as the doctors are producing. And as long you're able to bring on that other doctor and have them produce, cause they should cover themselves. I definitely agree with that. ⁓ also I'm sure people are saying, yeah, but Chris, like in order to bring on another associate, I'm going to have to build out ops. That's a huge cost and expense. So I am curious, what have you guys found in Brent? You might have some answers to this Chris, you might. ⁓ but if an office is having to say, build out two more ops.   in their practice to be able to bring on an associate, how long does it usually take when you're doing build outs for that cost to be recouped and start being more profitable? Because oftentimes I do think that that gets into the problem with a lot of doctors is they're constantly building more to bring on these other doctors. So they're always adding more and more expenses. Like when do they ever break even? So what have you guys seen with build outs and different things like that of that break even point? How long should they plan for it to not be as profitable?   speaker-1 (12:09) Okay, I'm gonna give you a lot of answers on this. So number one, we use a metric called revenue per chair. So, you know, every, you   speaker-0 (12:17) What   do recommend? What do you guys recommend per chair?   speaker-1 (12:19) So yeah, everyone has a space and you have only a fixed number of spaces or operatories you can have in it. And there's only a fixed amount of time and days and hours and a number of doctors that you have. And revenue per chair capacity, we see a range between 25,000 to 40,000 per chair per month. And it does not matter when you do this. This is just, take collections and divide it by the number of chairs you have. ⁓   This does not matter how many chairs are for hygiene or how many chairs are for dentistry. That's your choice. Actually, you know, there are models where every chair can do everything and the patient never, but the 25 to 40,000 at 35,000 of revenue per chair, you're running fairly efficiently and you're going to need to be planning to expand. You're going to start to run out of space. So that's our metric first and foremost. And so if somebody tells us, well,   speaker-0 (12:53) Sure.   speaker-1 (13:09) I've got four chairs right now, but I have space for seven. I haven't built out the other three. I tell them, you don't need to build out the other three until you're approaching that $35,000 a month of revenue per chair. Question you asked, how much does it cost and when do you recoup that? So in my experience, typically it's around $25,000 per ⁓ operatory to equip it, assuming it's already plumbed. ⁓   after you just take that number and say, so let's say you were equipping a few operatories, so $50,000, you ⁓ essentially, your cost of the doctor plus the lab and supplies should max out at 50%. Okay, now they have to be producing. So until you get them, they've produced over $100,000. All right, let me do it per chair.   They need to do over $50,000 per chair for you to get your costs back. After that, you're in the money.   speaker-0 (14:09) which I think is also smart because I don't know. think dentists kind of err on two different sides. Sometimes they're too slow to actually build out. They are so cost conscious and so concerned about that build up, about the cost of the chair, about all the other things that they're missing, that that one chair is going to generate several thousands of dollars of revenue. I've had a few doctors where I'll say, sure, no problem. We'll do a deal. I will happily pay for that one chair and you pay me all.   the revenue that comes through from that chair for the next three months. That's all I ask is three months. and I know I'm going to come out way ahead of you because it will generate and it will produce, especially in high producing practices. So I think so often people are just so scared to do those build-outs because they see the cost or they do the flip side where they believe like, if we build it, they will come and they're overly aggressive and they don't have necessarily the patient base or the doctors in play to be able to accommodate that. So   I love, I need to agree. It's either cut costs or increase your revenue. Like that's really overhead.   speaker-1 (15:12) One more way to think about it is, you know, if they have patients that are having to wait so many weeks or months to schedule out to come in. if you can calculate your collections divided by the number of patients seen for any given time, for year to date or for a full year, you can get your average revenue per patient. Okay. And if you know your average revenue per patient, you know how many either new patients or how many more patients you need to fill that chair to cover the cost.   Okay. So if your average revenue per patient was, you know, $1,500 per patient, um, and the cost of that chair is 25,000, just take 25,000 divided by 1500. And that'll tell you how many patients have to be seen in that chair before you pay for that chair. Sure. You're to be in the money, you know, it's in terms of the construction. That's another basically upfront, one time fixed costs that you're going to cover. And then all the future revenue that it's going to generate. So.   Maybe if you like, think before we end this topic on overhead, I'll give you kind some of our expense metric. ⁓   speaker-0 (16:18) Sure, yeah, absolutely.   Well, hang on, before you go into expense metrics, I want to bring up one piece that I think often gets missed, because you're saying like we're in the money. But I also want to bring up something that I really love to point out, and that is return on emotion. Some people don't want to bring on an associate. Yes, like as a business model, you can be more financially successful with an associate. Yes, you can, having more chairs, more build out, more practices. ⁓ But I also want to point out there is a return on emotion. There are sometimes   Bigger headaches, they're also sometimes less headaches with bigger organizations. I personally love to consult larger practices. The pettiness, the cattiness, the smaller drama is way less in larger practices or multiple locations. So like that drastically drops down. They figured it out. They're dialed into systems. But at the same time, I think it's important for people to assess that return on emotion. You might have a dreamy life. You might be doing exactly what you want and sure you could produce more.   But if you're off work at say two or three o'clock every day and you work two or three days a week and you're shelling and seven fifty to a million in profit, not a bad lifestyle. So I think it's also important to assess like what you ultimately want and what your return on emotion is before just saying like, I'm going to build because this is the way to do it. I think if you're looking at your practices as a business model, which I personally think a lot of us should look at it that way, ⁓ just to see what you what you ultimately want, what's your end game. And that's also where I love financial advisors of   Like what is your total term? Like where do you want to get? Does it make sense to grow? Does it make sense to stay where I'm at? ⁓ I think oftentimes we, we forget that return on emotion and how that is. We always think of like return on investment, but what does that return on emotion too? So just want to put a plug of like, I think everyone's on their own path, their own journey. Definitely agree. There are lots of ways that you can be insanely profitable and having multiple practices is a great, great, great business play. And you're able to help more practices. I'm all in favor.   You're gonna have multiple locations. Make sure you're doing awesome dentistry because sure, it can be very lucrative. Just be ethical because I think that plays out long-term. So Chris, with that, what are some of the metrics you guys look at? Because I agree, I love to hear people's metrics. I think we're pretty closely aligned with you guys on metrics, which is another reason I really love working with you guys and your clients.   speaker-1 (18:32) So I think if you ⁓ were to survey the Academy of dental CPAs and all of their, what you see them put out statistically, they're gonna tell you the metric of one to 2 % for marketing. When you go and you immerse yourself in the DSO world and their conferences and get to know what they're doing, you're gonna see more of an average of six to 8 % reinvestment into marketing. DSOs have a harder time with retention. They have more patients going out the back door. Private practices.   degraded retention, but they don't often invite enough people to the party. So we don't go by the one to 2 % number. think that's an area where people try to, they're trying to keep costs down. You know, your business is the greatest asset that you own that provides the greatest return and you have the most control over. So you should be reinvesting in it more than you reinvest in the stock market or anything else. So our metric for marketing is three to 8%. Private practices, like to see at least three to five.   I mean, excuse me, in GP practices, in specialty practices, especially like orthodontics, needs to be on the higher end. Team expenses between 20 to 30%. We certainly try to keep that under 30%. Team expense does not include doctors. Okay. So that's all of your, all of your, uh, your, your entire team, including a hygienist as well, but not doctors, uh, dental supplies somewhere five to nine, five to 10 % labs.   speaker-0 (19:36) Yes, absolutely.   speaker-1 (19:58) four to 7%. So again, those dental supplies and labs really should not be greater than roughly 15 % total. Rent and facilities, five to 9%. What does that mean? So if you have a high percentage in your rent and facility costs, if your rent facility is let's say nine, 10, 11%, that means you're probably not maximizing the space and getting the collections that is possible there. Again, using that revenue per chair metric.   When you're on the lower end, if you have 4 to 5 % rent of facility, means you're running very efficiently. You're probably going to be running out of space and need to expand or potentially relocate or get another location. And then there's general administrative costs somewhere in the range of 4 to 10%, depending on the practice type and what additional folks they have.   speaker-0 (20:48) Cool.   speaker-1 (20:50) That's it on everything.   speaker-0 (20:51) No, I love it so much because I think so often people don't look at their P &Ls and they don't even know what they should be targeting for. It's just like, well, do I have money left over or do I not? And then I don't know. like all of that combined should equal about 50 % there. Is that correct? Those are 50 % and then doctor pays 30 % to give a 20 % profit margin. And then you subtract debt services from that. that kind of your guys' model? That's what I've heard. It's what I typically recommend.   speaker-1 (21:18) Roughly. mean, yeah. You know, I, the most ideal is that I think when the average doctor starts to work with us, their profit margin is in the twenties, the 20 % range. our goal is to get them into the forties. Okay. And everyone does chase this like 50 % number, but I will tell you that eventually if you have to scale again, if you have to reinvest, that's the part like you're, drive yourself nuts. Would you rather have, you know, 50 % of 1 million or do you rather have 40 % of 3 million? Right.   You know, and that's that. So it's not always just about that overhead percentage. Uh, it is about if you choose to scale and you're, you're buying, you're reinvesting some of your, your overhead percentage, you're reinvesting some of your money to buy back your time. Like you said earlier, okay. Um, whether that's on multiple doctors or not, you know, being a slave to the chair is difficult and high risk to you as a business owner. It's one of the riskiest business models there is.   speaker-0 (22:12) Right.   I think that that's such a good point.   But guys, you don't know, can, Pro-Fi is fantastic. You can reach out to them, have them help you with your PNLs. Also your current CPAs, you can get a chart of accounts and give them these percentages and say, this is where I want it to be. Help me get there, give me some information because a lot of CPAs are not dental specific and they might not know these industry standards. And I agree with you. I also think it's important to think of growth years and also profit years. Some years you are definitely massively.   reinvesting into the practice and you might not be sitting at as high of an overhead, but you're doing it with the intent. Like when I bring on new team members, when you bring on new doctors, your overhead is going to go down. It should go down because you are investing and you're growing, but you need those people. This year on Dental A Team is a growth year. I am heavily bringing on new team members. My overhead is not as great as it has been in the past years. But if I, like you said, chase that X number of overhead and never invest in that growth,   I can't get to the next level of where I wanna go. So I thought that was really, really helpful. Thank you for that, Chris. And I know now we wanna spin over to Brent. Brent's been hanging out silently over there of some tax things. And I do love that you guys ying and yang on practice metrics because that's what we're all about. And then the tax world that I'm like, here's the thing. Here's my take on taxes. I am so grateful to live in a country where I get to pay taxes to have my own business. Like I truly think that is a massive blessing of the country we live in.   With that said, I also think it's my responsibility as a business owner to be as savvy as I can on taxes and not overpay on taxes because I'm just dumb and I'm not actually looking at strategy using smart people beyond myself to do it. So Brent, I'm so jazzed. Talk to us kind of about some tax things that you've been thinking of that your clients are dealing with.   speaker-2 (24:00) Yeah, absolutely. So I remember a few early evening calls with you and you're calling and saying help.   speaker-0 (24:06) It was in December last year, like literally right before the end of the year. And I was like, Brent, I owe so much dang money in taxes. Any ideas? It's fine, guys. It's fine.   speaker-2 (24:19) One of the foundations of Pro-Fi that we built it on is education. So we are very big believers in educating our clients to understand, first and foremost, how do you even generate taxes? So the number of conversations we have with dentists that just don't have a basic understanding is really astounding to me. So we first take an approach of, you have to understand how do you generate income tax? You generate income tax by the salary or W-2 you take.   and profit. The key thing here is it does not matter if you take a dollar of that profit out of the business, you still owe tax on the profit. So here, when you're looking at your P &L, let's say a doctor has a half a million dollars of profit and they choose not to take it home and leave it in the business, they will still pay tax on half a million dollars. I had a call today, the exact conversation is like, why didn't take any of the money home?   speaker-0 (25:18) It doesn't matter. were profitable brother, sister, like rock on. Happy day for you.   speaker-2 (25:23) You know, as Chris was alluding to, if you choose to reinvest in the practice, do marketing or other items like that that are deductible, that will obviously reduce your burden. The second thing, the second biggest mistake is don't underestimate your effective tax rate. So Chris and I have, we call it, I guess the golden rule or the 40 % tax rule. And that is geared towards over-preparing a business owner when it comes time to send in those quarterly estimates.   And I'll come back to that one in a minute, but the 40 % tax rule, if you have a pen, I would write that down because that is a rule to live by. And also ask your CPA advisor, whoever they are, whether it's us or your other another CPA, ask them before you make the decisions. So I got a call yesterday from a doctor in South Carolina. He's like, hey, I want to buy a machine that's going to cost me $85,000. My equipment rep said I'd get a 40 % tax deduction.   Just about that much.   speaker-0 (26:23) That was a clever salesperson.   speaker-2 (26:26) Yeah, they all do it. We love equipping reps. No badging equipment reps. But understanding, depending upon your entity type, whether or not you will be able to deduct that in the current year is a huge thing that you have to understand. Chris and I have seen so many doctors over the years that have come to us after the fact. And I think we've done a great job of educating, hey, I bought this equipment, it's $100,000.   When we do the tax return, it's like, you're not involved deducted. They're like, why not? The equipment reps that I could. So just make call your advisor before you do it. That's the best thing you can do for yourself.   speaker-0 (27:02) Well, and I, to that point, I just say like, you should have experts on your board as a business owner, people that you genuinely trust for taxes. And like you said, ask them, ask your rep about the best products and what they're seeing of results within the patient's mouth. Cause that's where they're experts. But I'm just going to put a massive plug, like, gosh, the number of dollars I have spent personally, because I didn't ask,   If we can save anybody even a couple of grand, like you're welcome. You're welcome. Just ask, ask before you do it.   speaker-2 (27:36) Right, absolutely. Then I kind of look at what are some things that you can do to make sure you're not blindsided by that tax surprise? ⁓ One thing we do is we always recommend in your business, you have to run multiple bank accounts. And one of those bank accounts is a tax savings account. Your business should fund and pay for your personal tax bill. So think about like ⁓ grandmother's cash envelope system.   create different buckets in the business, move the money out of your OpEx account because, know, like for me, if I have 20 bucks, $20 in cash in my pocket, I'm going to spend it. But if I put it away in the bucket where it's intended, it'll be there when I need it.   speaker-1 (28:18) My bucket, right?   speaker-0 (28:19) Yes, you can just send them my way this year Chris. It's fine Brent. It's fine I'll take him but Brent I want to speak so highly to that because ⁓ It really does help. I will also put a plug of like have really good financial planners and tax planners with you because I am actually really really good at saving money for taxes What I really get frustrated with is when it comes to December and I have been saving and I have been putting that away ⁓   And then they're like, Kiera, you owe an extra X amount. And I'm like, what the heck? I've even saved this. So that's where I also think it's really pro to have really good CPAs that are that actually no tax. So I am curious. You guys tell me the truth, because I don't know how this works. I'm not a CPA, but I swear every year I get a call December 1st and it's like almost a double what I've already saved for the whole year. And I'm a saver. Like I don't spend a dime in my business.   speaker-1 (29:14) call you get all year long, Kiera.   speaker-0 (29:16) It's not well, I have a monthly call with them and we even plan for taxes, but this year my quarterly taxes It's okay guys. I'm interviewing new cpas. It's okay. my cpn doesn't listen to the podcast I don't think if so, it's great. We've had a good run for several years But like that's where I get a surprise. Is it common? Should you be getting a surprise call on december 1st? If you've got good tax people, and you've been planning and preparing and putting money aside all year long is that   speaker-1 (29:41) As you answer this question for her and I would go over safe harbor estimates, but Kiera to set you up for what Brent's going to say. What happens is somebody tells you a number and you kind of start to operate like a zombie and you're like, okay, I put that number away, put it away and you did it. And you're like, okay, I put the number where you told me, but at the same time you're trying to grow your business.   speaker-0 (30:06) To that point though Chris I'm gonna like back on this because I think I'm actually a really smart business owner But every freaking year this happens. I'm trying to fix this and hopefully someone   speaker-1 (30:15) I think it has to do with your growth.   speaker-0 (30:18) I   overestimated what my growth would be this year. So I said I was going to be double what I was last year and we're coming in at about a 70 % growth of what I was last year. So I gave my CPA a 30 % extra window to project on me and we're still coming up a hundred, I'll say a different number, but I'm coming up more than I had saved.   almost three times as much as they had saved for me. cause I get burned every single year. So I'm like a squirrel with nuts and I put away for tax savings in my company because I never know what I'm going to owe. And it scares me. So with that said, I agree with growth. If you can, if you can project where you're going to go and you're having consistent quarterly meetings with your CPA, is it common to still have a massive like uptick in December? I would ask.   speaker-1 (31:04) No, it's not.   So look, to keep it simple, like, you know, I'm kind of talking on the managerial accounting side of things and Brent's talking on the tax side of things. If you're meeting with that accountant and you look at that bottom line profit, okay, you owe 40 % of that profit, whether you took it home or not. And then if you made any estimated tax payments, you can subtract those tax payments from that 40%. Okay. ⁓ And then you can apply some deductions and maybe bring the number down.   speaker-0 (31:24) Agreed.   I'm asking for a friend hashtag myself right now I mean I get better every year around taxes because I hate the surprise and I think most people do but I also wanted to point out I'm like I think I'm pretty savvy with business I talked to a ton of CPAs like this isn't like my first day running a business So and I'm happy to hear and with that 40 % So here's another thing that I've also which maybe I'm just dumb Maybe I'm just coming around the block to this so you guys can tell me ⁓ but it's 40 % of the profit correct like   And that profit also includes my W-2 as a business owner. So I've got to like...   speaker-1 (32:10) That profit is after your W-2. Hopefully your W-2, you have normal withholdings. Sure. you're like zero or one, you can kind of pretty much say, hopefully the federal and state taxes are all withheld from that for you. Right. have to worry about it. Okay. It's the profit that's left over after your W-2 and all the other expenses of the business you have 40 % on. So Brent, tell her about what happens at the beginning of the year.   When we talk, they those first estimates. think everybody starts to like, they get glued to the estimates and they never update them.   speaker-2 (32:41) Yeah, so a couple things. So, Kiera,   speaker-0 (32:45) Call   you in December, Brent. We're going to have this conversation in year two.   speaker-2 (32:49) Maybe we should start in January for next.   speaker-0 (32:51) I like that strategy is much better. I'm like I've even I started my tax meetings in July this year guys Like this is how much I'm paranoid and I'm like they're just shelling a ton on me again And I'm like how does it happen every year? I don't I don't understand so   speaker-2 (33:05) Here's a trend I noticed over the last four years. you know, there was in 2017, there was the Tax Cuts and Jobs Act, which changed the tax code. also changed. There's also been changes to the payroll tax tables. So I would take UW2, look at your federal tax withheld and divide that by your taxable wages in box one. More than likely, it's going to be in the 10 to 12 % range.   If you were in the 40 % tax bracket, you're already 30 % short on your taxes. Let's say you pay yourself $100,000. If you're 30 % short, that's a five digit dollar. So that's where I'd first start. And that is very, very, very common. You will not see any withholding in a W-2 being over 25 % unless you manually requested that from the payroll company.   speaker-0 (33:39) Right.   speaker-2 (34:01) bonuses or automatically taxed at 25%, but your regular payroll is probably in the 10 to 12 % range. So that's one reason it's happened. What Crystal's talking about, so let's say that we prepare your return in April. So let's say your 2020 return and every accountant will do what's called a safe harbor tax estimate, which basically says your estimates will be 110 % of your prior year tax.   speaker-1 (34:30) The IRS wants you to put 10 % more than last year away, like pay them in advance. They like you to do it quarterly because collecting money once a year is a bad business model.   speaker-0 (34:40) And it's a bad business model.   speaker-2 (34:42) So like Chris said, when a client gets those estimates, and let's say they're $25,000 a quarter, they are fixed on $25,000 a quarter. So what we do is with all of our clients in June and early July, we actually run tax projections or mock tax returns the upcoming year. We pull their year to date profit, we get all their deductions and we project out if that original safe harbor estimate has changed.   Then we do it again in November and early December to make sure that you're still on track and also looking for additional ⁓ tax strategies. But to answer your question from earlier, should you be surprised with a big number? No, not if you're doing proper planning.   speaker-0 (35:30) with like a little variance, but I just want to point that out because I think so many business owners get scared of taxes and this year, don't worry guys, it's on my vision board by the age of 36. I will be a tax expert. I look at it every single night. I have no desire to be a CPA, but I really think it's important as business owners to educate yourself on taxes and like you said to plan and to save for it because otherwise it's just this always surprise bill that creates stress. For me as a business owner, I know often I just feel like   I don't dare spend money because I'm gonna get hit with this big unknown. And so I'm like this girl, I literally have four tax savings accounts in my business right now. And they're in like four different business accounts, so my CPA can't see them all. Because I'm like, you come to me every year with this huge surprise and every year it's like double what I thought you were gonna say. And like I'm grateful to be very successful in what we do. However, I don't think business owners should be surprised, especially if you have a good CPA. So I just wanted to like find out like, that normal?   I feel like I'm on the anomaly, but good to know on that.   speaker-1 (36:33) Tax surprises cause cash flow problems.   speaker-2 (36:39) So Kiera, let me quantify that one of   speaker-0 (36:41) Guys,   don't worry. Everyone on the podcast, this is a Cura therapy session. You're welcome to be attending this. So we're glad.   speaker-2 (36:48) So can there be a tax surprise? Yes. The reason the tax price might happen is if you told your CPA, hey, I'm going to be doing these improvements and they're going to be done by December 31st. If in December you tell them, well, it didn't work out and I'm not going to have all these expenses. And yes, you're going to, you're going to get a surprise because you didn't, your plan didn't follow through. The other thing is talking about the separate tax account in the business. It's,   speaker-0 (37:12) That's fair.   speaker-2 (37:18) Absolutely recommended, but the most important part is you cannot spend it on anything but your tax bill. You cannot not rob Peter to pay Paul. That is probably the biggest mistake you could make is saying, well, I'll take it now. I have eight months to put it back in.   speaker-0 (37:34) That's like that makes my heart stop. I feel so stressed for people and also for anyone who wants to know like you I wish you could see the zoom right now with me Brent and Chris You know these guys love what we're talking about because Brent is literally getting like so excited and so animated talking about this So that's just when you know people are good at what they do I get so geek I'll geek out on dentistry and systems and like how we can help you and they're jazzing about some some tax benefits here So I agree. I think that if you aren't doing that, I also like the thought of 40 %   Do you guys recommend, because I know another piece to it, which I realized this year was like charitable contributions. I'm LDS. And so having charitable contributions, 10 % is something that I was like, that was funny. We didn't prepare for that. So that's like another check that I wasn't planning. And then also like SEP and 401ks. Do you guys have anything that you recommend for that of having a tax savings fund, but also building up those other funds and those payments that you'll be making to reduce your tax bill? Yes.   but those are also pretty big expenses, depending upon how your business does every year. How do you guys manage or navigate that? Or should I just be saving more? Because again, I'm like building these funds up to this, I've got four accounts, because I stress out about it.   speaker-2 (38:44) So Chris, I'm gonna let you take that one on the cashflow. It's really cashflow planning.   speaker-1 (38:48) Yeah, a lot of questions in there.   speaker-0 (38:50) Cool, like I said, this is why I podcast guys, because I can ask my own personal questions.   speaker-1 (38:57) In terms of okay, should you be doing okay. what do you want me to start a chair charitable chair?   speaker-0 (39:03) Just   like I think that a lot of people might get quote-unquote surprised at the end of the year because not only do we have a tax bill to pay, we have charitable contributions that we're paying. We also have 7401Ks. Like there are quite a few other funds that need to be paid out again to reduce our tax bills to help us. But those are also cashflow that you need to have on hand as a business owner to be able to front that money. So I've been also thinking that could be why other people feel like it's a surprise at the end of the year, just all lumped into taxes when it is just other pieces to help reduce that tax bill for you.   speaker-1 (39:33) if   something is important to you, then it needs a separate bank account. if charitable giving is important to you, I think you should have a separate bank account so you can visually see that you've got it ready to pay. And in order to make it tax deductible, it does need to be a 501C3. can't just be any random, say, it's... Right? So ⁓ when it comes to all of the retirement accounts, mean, ⁓ 401Ks and IRAs and simple IRAs and all of that,   speaker-0 (39:51) about last year.   speaker-1 (40:02) Roth, that's like the smallest fraction. That's like the, you know, the entry level league of the tax code in terms of savings. And it's, it's really kind of the stuff that the masses can do. I certainly think it's important to save and save for retirement. think when you're a business owner and let me say this, mean, upfront, I'm a contrarian. I think when you're a business owner, you have to be a contrarian and know that not everything applies to you the same way as everyone else. Sure. I, my bias is I have a much.   stronger tendency to say, you know, spend the money in your business or put the, I should say, invest, reinvest the money in your business for growth, because it's going, there's an asset value to that, to that business. need to learn what that is and what you one day can exit it for. And it creates, gives you the most, you know, income. ⁓ If you put money into a 401k or you put money into marketing in your business, you get the same tax deduction. So that's a question. If you're looking for like year end stuff, you know,   You could put the money into the, into the retirement plan, or you could prepay some expenses for next year. ⁓ You lot of people, think don't trust their business, which is weird because it's the thing you have the most control over, but they don't trust their own business. Typically it's cause they're not really great at managing their own cashflow and having discipline. And so they're, they're hesitant to invest the money in the business. And they'd rather go roll the dice and put it in the stock market. And at the time of this podcast recording, let me tell you.   We are in a recession. It has already begun. Everything is very high. Stock market's high. Real estate is high. Your business is one of the safest places to put your money right now. It provides you an inflation hedge, okay? And it creates revenue. ⁓ And it's tax deductions. I'm a big believer in putting the money into your business or getting another business. I think Brent can talk about, know, people ask us like, what are some of the largest   speaker-0 (41:47) Right.   speaker-1 (41:56) deductions you can play in. Like what, are the bigger things you can do outside of a 401k? Tax deductions. Generally speaking, the tax code rewards you for doing things that improve our economy. And that's primarily investing in businesses, you know, adding another location, employing people and commercial real estate, commercial real estate is a big one. Again, commercial real estate's really high right now. It may not be the perfect time to be buying or building. Cause all of the costs are really high.   save that cash, even if you have to pay some taxes, save the cash for liquidity for the tough times. when this recession happens, most practice owners are going to stop investing in their business, they're to stop marketing. And you got to do the opposite. That is the time where you can do all of that at its lowest cost. that's when millionaires are really made is during recession. So I'm going on a tangent now. You got me passionate   speaker-0 (42:50) No,   I like it. I like hearing it because I like thinking of other things. think so often you said it really well of business owners want to contract. They want to not reinvest in themselves. It's like, well, like let's put it in the stock market because that's what I heard that we should do. But I really do love that mindset. And that's why I love podcasting. That's why I love talking to different people. This is why I bring you guys on here because I purposely, intentionally bring different ways of thinking out there. You've got to make your own decisions.   But I'm a big like when people are zigging, I want to zag. So right now real estate's hot. Commercial's hot. The stock market's hot. Like I literally am sitting here just thinking like, here, just sit on some cash. Like, like you said, I might have to pay more taxes on it, but sit on that cash because you know, it's going to drop. And during that time, that's when you do the exact opposite of what everyone else is doing. So I really love that advice. And I think it's wise and it's prudent. I also love what you said, Brent, of having the 40%.   A lot of people say do 30%, but agreed a lot of dentists do tip into that 40 % tax bracket. And I would much rather over prepare than under prepare. Chris, to your point, I really love also having the buckets for like we said, charitable contributions, if you're going to do ⁓ 401ks, but I really, agree with you too. I think reinvest in your business. Look to see, I do end of year spending. I look to see what I could reinvest in, what things are gonna propel us the most. I look at marketing, I look at website rebuilds, I look at.   Different softwares that are going to propel us forward different ways to make our our practice more efficient What things are really going to invest in our company and our team? To make it and then I just do fun things like, know trips places I definitely don't get much ROI on that except for emotional ROI, but I know I know this is a longer podcast guys I really hope and I also hope team members listening realize that this is not just for business owners. I think that this is also   Individual tax prepping make sure you are preparing look for ways that you can reinvest in yourself What things could you prepare for what things can you build out? Do you have separate savings accounts for different things that you're going to maybe you don't have to save for taxes But guess what maybe one day you will be a business owner So teach yourself the discipline to save now to look for reinvestment. I also think is super valuable. So I want   speaker-1 (45:05) team members, for those team members, what side hustle can you create? What side of business can you create? know, and what, what commercial or what even residential property, rental property could you create to give yourself rental income? And there are deductions that come along with that. But if all you do is just do your day to day job, whether you own a business or don't own a business, you're not going to save anything in taxes, nothing significant. got it. You got to create some value in the world out there.   speaker-0 (45:29) Agreed. say deliver the biggest and best value. So you guys teased me. So I want to wrap up our podcast with some things to not be doing. You guys have kind of like a hit list right now of some things, some tips that a lot of us might be doing that are cracking down. I know I have been privy to some of these things as well. So take us away. We'll wrap this up with just some, some of that hit list of what not to do. ⁓ and   you know, as we get in there, thank you guys for sharing all that you have. Thank you for doing a personal session with me already. So I'm excited for the hit list now.   speaker-2 (46:01) So I would say the biggest one that I've seen is the fascination that doctors have with crypto.   speaker-1 (46:01) Go ahead, Brent.   speaker-0 (46:12) Brent, it's because we're bored. We don't know what else to do with ourselves, so we're like, why not throw a little into crypto?   speaker-2 (46:17) Here's the problem. So I have about a half a dozen doctors over last six months. They called me and said, Hey, I put $200,000 into the crypto market, Bitcoin. And I'm like, really? Where did you, where did you write the check from for that investment from the practice? Here's the problem. If that practice is an S corporation and they invest that money in crypto and they hit it big, they could potentially blow up their IRS S corp election.   and the IRS will take it away from you. So if you're gonna do investments, do not write the check from your practice. You can take the money home as a distribution, then put it into crypto, but do not do it through your business.   speaker-0 (47:01) This is a moment where I just had like a, I'm like, good. I'm glad I did that at least right. even knowing. Why is that?   speaker-1 (47:03) Sorry.   So that one, I mean, that one can cause some serious damage. ⁓ But the other ones that I think nobody wants to hear when they're listening to this, and I get in all these battles on social media, Facebook groups and all that. But the two things that come up over and over and over again that everybody's kind of cheating on and they're going to get busted on is number one, paying employees and especially dentists and hygienists, paying them as 1099 contractors.   This is going to get you in trouble not only with the IRS, but with the Department of Labor. And there are some significant penalties. There is a black and white 20 question checklist that the IRS provides. You can Google that. You can find it directly on the IRS website. And it goes through a checklist of yes or no questions to determine if you qualify to be a 1099 independent contractor or if you fit the requirements of a W-2. And to simplify it,   The main thing is the element of control who controls the schedule, who tells you which patients you're seeing and when who's providing all the materials and the tools and equipment. And 99 % of the time, anyone in dentistry falls under the category of an employee. Pretty much have to be a specialist that owns their own separate practice already coming in part time in order for you to 10 99 them. And if you're 10 99ing them, you're 10 and you have to do it to their business. The other thing that doesn't work is when, you know, they're like,   Oh, I'm an individual doctor. I'll just set up an S corp and you can 1099 my escort. The IRS is not stupid. Again, they're they're looking at what are your what is your role within that that place that you're receiving the income from the revenue from. So anyway, everybody hates that. But I'm telling you, I   speaker-0 (48:58) I   don't think it's a, it's not a good place to play with fire. Um, I have a really, really, really awesome unemployment lawyer, um, and employment lawyer. He represents Uber Lyft Red Bull. He's in, um, San Francisco. If you guys need him, he's amazing. Reach out to us. Hello@TheDentalATeam.com. Um, but he told me he said, Kiera Uber and Lyft, which I personally think I'm no lawyer guys. I'm not there. Uber and Lyft to me are the epitome of 10 99 contractors.   but they are, ⁓ they're coming down, they're cracking down on it. And ⁓ I have heard that it is no longer just a small offense. It's a pretty big offense if you misclassify. To me, really, I'm a risky person, but I believe in being smart and also paying people the way they should be paid. As much as it's not fun, we transitioned our whole company and I just think play that one safe because labor laws are not something to ever mess with, in my opinion.   speaker-1 (49:51) Yep. And you know, the government has shelled out a lot of money through this pandemic and they've got to collect it and get it back. And they're going to get that back from small business owners. And, ⁓ you know, our, our dependent care systems of Medicare and social security are very fragile right now. And that's the one thing they do not want you to screw with. And so they collect that money through W2 payroll. They're going to, they're going to force more and more than everybody's W2, especially in the occupation of dentistry. Second thing is the cars. Okay. Everybody wants to run their cars through the business.   You might be allowed to run a car through your business. It depends on what type of business you're in. If you're in real estate and you're showing houses and you're driving your clients around, you can probably write your car off through your business. But in dentistry, you're going to sit across the table from an auditor and they're going to say, what does a car have to do with the business of dentistry? The IRS tax code says that your business expenses must be ordinary and necessary to the business for them to be deductible.   What does the car have to do with the business of dentistry? How is a vehicle ⁓ justified as 100 % business use as a necessary use in order to do dentistry?   speaker-0 (51:00) What if it's a wrapped vehicle that's marketing?   speaker-1 (51:03) That's different. there are very specific guidelines in the IRS tax code about what is marketing for a vehicle. must be fully wrapped. It can't just be magnets. It can't just be stickers. But it has to be significant that's used for marketing. What we find is not a lot of doctors want to wrap their test up.   speaker-0 (51:23) Because they're ticked off with the patient that Ruekinaal didn't go super well and they're cutting people off on their drive home and you don't really want your flashy business to be that car.   speaker-1 (51:31) Right. I mean, and to make it legitimate, mean, the car has to be legally registered in the business name. It has to be covered under business insurance, not your personal insurance. The loan has to be under the business name, not your personal name. And there's a, you know, most people are not doing that. They're doing, they're buying it personally. They're just making the payment out of their, out of their business. And they think that they can deduct the whole thing. And this is not true. There's even greater scrutiny if the business tries to buy, if the dental business tries to buy a vehicle.   and depreciate it, take it as 100 % use. So I know people hate to hear that, but I would just caution everyone listening, stay away from 1099 and cars in your business. But everyone's.   speaker-2 (52:12) doing   it!   speaker-0 (52:13) I heard a really great quote one day and they said Kiera everything's deductible until you get audited and I was like That's really good advice. I appreciate that. So guys, ⁓ Chris and Brent. Thank you guys for coming on the podcast Thank you for being people that I can call Brent. Thank you for being my December, you know midnight hour friend I loved last year. You said care. There's really not much we can do. Maybe we should have done this in January. So ⁓   But truly, I just appreciate you guys helping so many doctors. know you help a lot of our clients. Shout out to those clients that we mutually work together. I love working with CPA companies. I think we're a good peanut butter and jelly together. We help grow the practice, make them more profitable. You guys make sure that their books are in line. Give us the guiding stars of what levers to turn to help the practices. You take care of the taxes. So it's a really good yin and yang and   I hope all of you listening today found a lot of value. Team members, look at this for yourselves. Get the side hustle. I hope this spurred some, some topics, some conversation. Team members, can also help your practices reduce that tax bill. look for ways that you can spend end of year, just different things. So I definitely think team members have a lot of play in this as well. So Chris and Brent, thank you guys so much. It's super fun. If people want to connect with you, ⁓ maybe they're done with their CPA. Maybe they just want to find out if.   There might be another option out there. How can they connect with you? I know you guys specialize in DSOs, larger group practices, but also the solo practices as well. How can people connect if they're interested?   speaker-1 (53:40) Sure, so check us out online at our website, Profi2020.com. That's P-R-O-F-I-2-0-2-0.com. ⁓   speaker-0 (53:47) You did   that because 2020 was such a great year that you guys want to remember. ⁓   speaker-1 (53:53) That marketing plan went out the window. It was 20-20 clarity to give you clarity on your finance.   speaker-0 (53:54) No.   I   just thought I'd throw it out there. So no one will forget Pro-Fi 2020. 2020 was most memorable year guys. Don't forget it. They don't want to forget it ever.   speaker-1 (54:07) We have tons of free videos, a lot of great content on there. Check us out on our YouTube channel, all social media, know, at Profi2020. We're very easy to find. ⁓ But we're managerial accountants. It's way different than financial accountants out there. Make sure you look up that difference and know what you're asking for. ⁓ And we always do free consultations for anyone who would like it.   speaker-0 (54:29) Awesome. Well, Chris and Brent, thank you again so much, guys. Go check them out, Profi2020. Chris and Brent, they are the owners of the organization. So super grateful for you guys coming on here.   Kiera Dent (54:38) I hope you all loved today's episode as much as I did. It is crazy to think that this many episodes have been released since we started the Dental A Team Podcast. And I started looking to say, my goodness, our listeners need to be reminded of some of the things they may have learned a year ago or two years ago or five years ago, because so many things in our practices weren't relevant back then when we heard them, but they are relevant today. And I would be doing you a huge disservice if I didn't re-release some of these episodes for you to remember, to refine.   to optimize and really truly if you ever need a topic or you're like, my gosh, I wonder if the Dental A Team has anything like this, go onto our website, TheDentalATeam.com, click on our podcast tab and you can literally search any topic. So whether it's overhead or hiring or firing or team morale or engagement or case acceptance or hygiene   onboarding or whatever it is, we have so many episodes for you. And so I am going to intentionally be   re-releasing some of the top best episodes for you, pulling back some of the ones that I needed to remember, some of the things that I feel for you to really, really relearn right now and to re-remember, or if it's the first time, welcome. I'm so happy you're listening to it, but I hope you truly enjoyed today's episode. I hope that you share this with somebody. I hope that you go and implement today because we only have one day. We only get today. And so making today the best that it possibly can be. If we can help you in any way, shape or form, reach out Hello@TheDentalATeam.com.   And as always, thanks for listening and we'll catch you next time on the Dental A Team Podcast.

Pete Matthew and Roger Weeks cover self-employed saving rates, inheritance tax and estate planning, and how dividends are treated inside pension drawdown (including SIPPs). They also discuss salary sacrifice and contribution limits, the pros and cons of recycling tax-free cash, and whether to overpay your mortgage or invest via a Stocks & Shares ISA. Shownotes: https://meaningfulmoney.tv/QA42  01:07  Question 1 Hi Pete and Roger, Thank you for your amazing podcast! My question is about budgeting & savings percentages: Should you aim for a % of your gross pay or your net pay when it comes to aiming for a savings percentage? e.g. Invest 20% of gross or net? I'm self employed and work contract to contract. From each contract payment I have to give 25% to agents and lawyers. Then I get paid the rest and have to put aside some of the money ready for the Tax man. When planning for how much I should save / invest from each contract payment should I be putting aside: 20% of the original contract amount? (which would be prior to the agents taking their cut and prior to the tax man taking his cut?) 20% of the amount left after the agents but prior to the tax man? Or 20% after both the agent cut and tax man cut? Thank you! Isabel 05:50  Question 2 I am a 70 year old widow with no children.  My current net worth is about £2 million. This is made of of a house (£500,000), savings and investments (£1,150,000) and a drawdown pension pot of £350,000 which I inherited from my husband.  My husband died aged 68 so the pension pot is currently tax free. I plan to leave our inheritance tax free allowances of £650,000 to family, mostly nephews and nieces and the reminder to charities.  The drawdown pension will also go to named family members until the rules change in 2027 after which this will also go to charity.   I understand that this would mean my estate wouldn't be subject to inheritance tax.  Am I right about this? Is there anything I might not have thought about or any flaws in my thinking? Thank you for your very informative podcast, Susan 08:24  Question 3 Hi Pete and Roger,  I'm still catching up on the back catalogue and am still loving the show, the listener questions are a great alternative, absolutely brilliant :) My mind has been wandering as it usually does, and this time thinking about my retirement plan and what dividends will look like at retirement. I have some queries I would love you to clarify please if possible. As it stands I have a combination of SIPP and stocks & shares ISAs all globally diversified with various stocks and ETFs etc and also a NHS DB pension.  I'm about to turn 49 and planning on a retirement at around 60. I'm trying to plan in the most tax efficient way (obviously this may change with future governments). For now though I am trying to max out my ISAs regularly for the tax free benefits and in particular focussing on a goal of using global ETF high yield dividends as income  annually at retirement. I have a Vanguard SIPP with 3 ETFs. I plan to take the 25% tax free amount from this when I retire. The rest (75%) I plan to leave as is, in the same ETFs and as they will hopefully still be paying dividends, I am a little confused as to how these will be regarded, such as for tax purposes? My assumption is the dividends will be added as cash to my now 75% remaining pot and then if I start to drawdown on this then I guess I will be taxed as normal depending on my tax status at the time only on what I drawdown as income. However when the dividends are added to my drawdown (75%) portfolio will this be part of my annual tax free (currently £500) dividend allowance OR will they not count as they are in my "pension pot" (and not classed as income) as is the case currently pre-retirement? At the present should I actually be adding the dividends that I currently receive in my pension pot to my annual tax free allowance (£500 for me)? (I assumed dividends in a SIPP don't need declaring/adding up towards your annual tax free dividend allowance). I hope that all makes sense? Thanks for all your work with the podcasts and Listener Questions too, you guys are awesome! Cheers lads, Jon 13:22 Question 4 Dear Pete and Roger, I've just turned off lifestyling on my pension thanks to your excellent podcast and videos. You may have saved me thousands so many thanks! I now have a cunning plan! I work for a university and have a hybrid pension with the Universities Superannuation Scheme (USS). Payments for my regular defined benefit (DB) pension are made via salary sacrifice. I'm also making additional voluntary contributions to the defined contribution (DC) part of USS, also by salary sacrifice. I've increased these DC payments to a level where my reduced effective pay is just above the level of the National Living Wage. As all my USS contributions, DB and DC, are made by salary sacrifice, they count as employer contributions. As I understand it, I am also allowed to make employee pension contributions to an entirely separate SIPP up to the full level of my Relevant Earnings, which in my case is my salary alone. Is that correct? If so, am I allowed to make employee contributions up to the level of my original salary (before salary sacrifice reductions)? Or am I only allowed to make employee contributions up to the level or my reduced salary (after salary sacrifice), just above the level of the National Living Wage? Is my plan a sound one or is it a cunning plan worthy of Baldrick? I'm 54 years old and a basic rate tax payer with a salary of about £37,000 per annum. I do not expect to be promoted. Simon 17:56  Question 5 Hi Pete and Roger, Long time listener and watcher on YouTube and think it is absolutely wonderful all the free good advice you put out there. I hope you give yourselves a pat on the back for helping so many people build their wealth and no doubt have a better future in their latter years than they would have had without you. As I reach a certain age I am pondering a strategy and was wondering if you could advise if this is a flawed approach, letting the tax tail wag the dog or perfectly valid. I've never heard anyone suggest it and can't believe that I have an idea that experts haven't thought of. It involves recycling tax free lump sums from an existing DC pension. My understanding is that you have to "break" ALL the conditions to breach the recycling rules and the one I am considering not breaking is "tax free lump sum is less than £7,500 in any 12 month period". The idea is this: - Crystalise 30K. £22.5K into a drawdown pot and left untouched so as to not trigger the MPAA. £7.5K tax free cash withdrawn - Take the £7.5K tax free cash and recycle it into a new SIPP - Benefit from 40% tax relief to gain an additional £5K - Do the same a year later and repeat until actual retirement If I did this for the 10 years between first accessing my DC pension and retiring from employment at state pension age that's an extra £50K "free". The only downside I can see is that by crystalising you remove a portion of your existing DC pot from being able to have a 25% tax free slice of a bigger pie in the future. However I would have thought by putting the tax relief and tax free cash into a new SIPP, plus 25% of that total being tax free second time around when withdrawn, it would outweigh the downside, particularly if you think you're going to be a lower rate tax payer in actual retirement. Any thoughts gratefully received. Keep up the great work and fantastic content. Kind Regards, Tom 24:40  Question 6 Hi Rodge & Pete Love the energy of the show, both educational and also very funny one of my favourite financial podcasts! I recently purchased my first home solo at 35 on a 39 year mortgage term which takes me above the standard retirement age and I do hope I am not working full time by the age of 74. I went with the longer mortgage term to keep monthly costs down initially with the plan to possibly review this when my fixed term comes to end in 2030. I contribute monthly to my S&S ISA currently £200 with the plan to double this in 2026 but should I be diverting some of these funds instead to overpay the mortgage? I'm conflicted about this as I believe I will get better returns on the S&S ISA over the 39 year period vs saving interest on the mortgage. I currently contribute to my employer DC pension and also have a fully funded 3 month emergency fund so any spare cash can be put to work for my future. Thanks, Chantelle  

In this episode of the Power of Zero Show David McKnight gives you a blueprint with the key steps to follow for a successful and stress-free retirement if you're about five years away. The first step is figuring out your retirement income shortfall, the income you'll need every month in retirement, as well as how much of that will be covered by sources like Social Security and pensions. The retirement income shortfall represents the amount of income your retirement assets need to produce in order to fund your lifestyle. One strategy many retirees rely on is taking a portion of their liquid retirement savings, often from a traditional IRA or 401(k), and rolling it into an annuity designed to produce inflation-adjusted lifetime income. The second pillar of the blueprint discussed by David are investments: Roughly 70% to a total U.S. stock market index fund, and 30% to a total international stock market index fund. While things like paying the electric bill or putting food on the table are covered by your guaranteed income sources, this portfolio is designed to fund discretionary expenses (e.g. taking the grandkids to Disneyland, traveling, etc.) and unexpected shock expenses. David emphasizes that, by investing this discretionary bucket entirely in stocks rather than bonds, you increase the likelihood that the portfolio will last through your actuarial life expectancy. "When properly structured and funded, an index universal life policy or IUL can serve as a volatility buffer within your retirement plan", says David. Furthermore, a IUL policy can also provide a death benefit that can be accessed in advance of your death for the purpose of paying for long-term care… Remember: Retirement planning isn't about guessing what the market will do, it's about building a system where your basic needs are guaranteed, your growth assets continue compounding and you have the tools in place to manage volatility and unexpected risks.     Mentioned in this episode: David's new book, available now for pre-order: The Secret Order of Millionaires David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track Tax-Free Income for Life: A Step-by-Step Plan for a Secure Retirement by David McKnight DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com

With a PetaPixel Membership, not only can you support original PetaPixel reporting and in-depth reviews, but you can also remove ads from the website and gain access to some seriously great perks, too. Members get $15 off the Moment Store, 5% off certified pre-owned gear from KEH, 25% off the PetaPixel Merch Store, and now can download full-resolution RAW files and JPEGs from the latest cameras and lenses. It costs just $3 per month or $30 per year. Join today!Now saving when you shop for your favorite gear at B&H Photo is even easier with the B&H Payboo Credit Card which lets you Save the Tax — you pay the tax, and B&H pays you back instantly! (Save the Tax on eligible purchases shipped to eligible states.) OR you can pay over time with our 6 & 12 month financing (on minimum purchases of $199 for 6 months, and $599 for 12 months). Terms apply, learn more at http://bhphoto.com/payboo. Credit card offers are subject to credit approval.Payboo Credit Card Accounts are issued by Comenity Capital BankThis week on The PetaPixel Podcast, the Canon 5D Mark IV is going on 10 years old, but it's still kicking – at least in some territories, some Nikon cameras might just stop working (but there is a fix)! Check out PetaPixel Merch: store.petapixel.com/ We use Riverside to record The PetaPixel Podcast in our online recording studio.We hope you enjoy the podcast and we look forward to hearing what you think. If you like what you hear, please support us by subscribing, liking, commenting, and reviewing! Send a message for us to hear on SpeakPipe.In This Episode:00:00 - Welcome to Chelsea!10:39 - Sigma might finally be making progress with full-frame foveon17:11 - Nikon Issues Advisory: Some Z6 III, Z5 II, and ZR Have a Hardware Problem19:39 - The Canon 5D Mark IV isn't dead yet23:08 - Apple has acquired MotionVFX25:30 - Adobe's CEO is out after 18 years28:10 - The M5 Max is really good32:42 - Fujifilm GFX isn't popular enough for Sigma to invest in making lenses for it35:54 - Micro Four Thirds isn't dead! YoloLiv just made a new lens40:36 - This medium format film camera can change aspect ratios mid roll44:41 - Bird nerding with Chelsea Northrup1:12:46 - What have you been up to (and what's going on in Chelsea's life?)1:21:19 - Tech support1:35:34 - Feel good story of the week

Canada just lost 84,000 jobs. Goeasy blew up 57% in a day. And a former Prime Minister compared Bitcoin to Pokémon cards. Normal week.This episode covers the biggest Bitcoin hardware launches in years (COLDCARD Mk5 AND Jade Lightning — same week), the IRS form that forces crypto users to confess their entire history under oath, 20 million Bitcoin mined and what happens next, and more Canadian institutional collapse than we can comfortably fit in one show.

With volatility and oil prices up while Fed policy is easing, our CIO and Chief U.S. Equity Strategist Mike Wilson breaks down why today's selloff is giving flashbacks to March 2025—and why he believes his bull case still holds.Read more insights from Morgan Stanley.----- Transcript -----Welcome to Thoughts on the Market. I'm Mike Wilson, Morgan Stanley's CIO and Chief U.S. Equity Strategist. Today on the podcast I'll discuss how the equity market has been processing recent headlines for months. It's Monday, March 16th at 1 pm in New York. So, let's get after it. Last week on the podcast, I noted it was clear to me that the current equity market correction began last fall when liquidity first started to tighten. As soon as funding markets started to show stress from that tightening, the Fed responded by announcing it would end its balance sheet reduction program earlier than expected. It then followed that up by restarting asset purchases in December. This pivot subsequently led to better equity performance in January. It also happened alongside a sharp decline in the U.S. dollar and concentrated returns in emerging markets and commodity-oriented sectors like gold and silver, industrial metals, oil and memory stocks. More recently, the dollar has rallied and these same areas have noticeably cooled off. The key point is that before the attacks in Iran two weeks ago, the correction in equities was already very well advanced in both time and price. In fact, 50 percent of all stocks in the Russell 3000 are now down 20 percent from their 52-week highs. In many ways, we find ourselves in a similar position to last year. Recall that the major indices started to accelerate lower in February and early March. The concern at that time was centered around tariffs. But like today equity markets had been trading poorly for months under the surface on additional concerns that had nothing to do with tariffs. More specifically, equity markets had been worried about risks related to DeepSeek, immigration controls, and DOGE. Tariffs then provided the final blow. This time around, markets have been worried about AI disruption on labor markets, private credit defaults and liquidity tightness well before the Iran conflict escalated. Now it's interesting to note – but not surprising – that crude and volatility began to rise in January, signaling the market was ahead of this risk, too. Corrections typically don't end though until the best stocks and highest quality indices get hit, and that usually takes a capitulatory shock. Last year, this was Liberation Day. This time around, that event is the Iran conflict and concern about a sustained rise in crude prices above $100 a barrel. This final corrective phase has begun, in our view, with the S&P 500 having its worst two-week stretch since last April. To be clear, I don't expect this capitulation or drawdown to be as bad as last year for several reasons. First, last year's events came at the end of what we were calling a rolling recession at the time and effectively marked the end of that downturn. That means equities were pricing in a recession at the lows in April 2025 and that's why the S&P 500 was down 20 percent from its highs. Second, the current backdrop for earnings and economic growth is much better than a year ago. Third, fiscal support is much greater today, too. Specifically, personal income tax cuts are flowing through right now with tax refunds running 17 percent higher year-over-year. Tax incentives in the [One] Big Beautiful Bill [act] should drive higher capital spending. Lastly, the Fed is much more accommodative with asset purchases versus balance sheet contraction in 2025. Bottom line, equity markets have been digesting many of the concerns for months that are now hitting the headlines. We think this means that we are closer to the end of this correction rather than the beginning and investors should be getting ready to buy any final capitulation that may occur on the next bad headline. One scenario that might create that final downdraft is a combination of a more hawkish Fed this week on backward looking inflation concerns combined with Triple Witching options expiration. Or maybe the upcoming trade meeting between the United States and China is delayed or cancelled. Whatever it might be, market lows happen faster than tops. So be ready to add risk in anticipation of the bull market resuming. Thanks for tuning in; I hope you found it informative and useful. Let us know what you think by leaving us a review. And if you find Thoughts on the Market worthwhile, tell a friend or colleague to try it out!

Breaking down the details of voting on Charlie's vanity license plate. Tax refund season. How much will JLR be getting back?See omnystudio.com/listener for privacy information.

Breaking down the details of voting on Charlie's vanity license plate. Tax refund season. How much will JLR be getting back? Hand crank generator. The Oscars. Update to the teacher who passed away during toilet paper prank. A father passed away after he was bitten by a rattlesnake while on a mountain bike trail. Can you suck out rattlesnake venom? Chaz Bono married their childhood sweetheart. Bert Kreischer's tour bus burned to the ground. Does Snitzer believe that artist Banksy's identity has been revealed? College basketball team Utah Valley missed a dunk that could have clinched NCAA Tournament. Who won last week's DraftKings bets? Tucker Carlson claims the CIA is reading his messages.

Breaking down the details of voting on Charlie's vanity license plate. Tax refund season. How much will JLR be getting back?

Breaking down the details of voting on Charlie's vanity license plate. Tax refund season. How much will JLR be getting back? Hand crank generator. The Oscars. Update to the teacher who passed away during toilet paper prank. A father passed away after he was bitten by a rattlesnake while on a mountain bike trail. Can you suck out rattlesnake venom? Chaz Bono married their childhood sweetheart. Bert Kreischer's tour bus burned to the ground. Does Snitzer believe that artist Banksy's identity has been revealed? College basketball team Utah Valley missed a dunk that could have clinched NCAA Tournament. Who won last week's DraftKings bets? Tucker Carlson claims the CIA is reading his messages. See omnystudio.com/listener for privacy information.

Unlock Savings, Outsmart Scammers, and Take Control of Your Taxes Ready to make your taxes work for you—and not just for Uncle Sam? Join us for a deep dive into the tax credits millions of Americans overlook every year, costing them real money. We break down what credits matter most, how simple life changes—like saving for retirement, child care, and home improvements—can put cash back in your pocket, and why planning ahead is your strongest tool. But we don't stop there: Tax season is a prime time for scammers, and they're getting more sophisticated. Discover the five most common scams circulating this year—from IRS impersonators and fake refund offers to ghost preparers and phony charities. We share actionable steps to protect your identity, your refund, and your peace of mind. Whether you're a busy professional, retiree, or small business owner, this episode gives you the knowledge and confidence to maximize your savings, avoid costly mistakes, and stay safe. Tune in, take notes, and share with someone you care about—because awareness is the best defense we have. 

Financial adviser Alex Luck (Everest Wealth) explains why cashflow is the most overlooked lever in personal finance, how most people miscalculate what they actually save, and the simple systems that can unlock hundreds more per month to invest.In this episode:0:00 Why cashflow is the foundation of every financial plan4:45 The truth about what people think they save vs reality11:40 The bucket system: a simple way to manage spending18:20 Setting up accounts for couples and avoiding money arguments24:25 Why improving cashflow can bring financial goals forward years27:23 Tax optimisation: salary packaging, novated leases & common mistakes36:43 Super, trusts and structuring your investments properly———Want to get involved in the podcast? Record a voice note or send us a message And come and join the conversation in the Equity Mates Facebook Discussion Group.———Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing – we've got you covered.Keep up with the news moving markets with our daily newsletter and podcast (Apple | Spotify)We're particularly excited to share our latest show: Basis PointsListen to the podcast (Apple | Spotify)Watch on YouTubeRead the monthly email———Looking for some of our favourite research tools?Download our free Basics of ETF handbookOr our free 4-step stock checklistFind company information on TIKRResearch reports from Good ResearchTrack your portfolio with Sharesight———In the spirit of reconciliation, Equity Mates Media and the hosts of Equity Mates Investing acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respects to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander peopletoday. ———Equity Mates Investing is a product of Equity Mates Media. Hosted on Acast. See acast.com/privacy for more information.

Walt explains his mysterious nature, Bry rants, Tax mascots, Airport Plaza robbery, Prank gone wrong, Git ‘em is a narc.https://public.liveread.io/media-kit/tesd

Dr. Feneisha Franklin spent a decade in corporate medicine before finding her door: a Direct Primary Care practice seven minutes from her house, owned by a retiring physician ready to pass the torch. She left her employer on a Friday. She owned Living Well Family Medicine on Monday.In this episode, Dr. Franklin breaks down what it actually takes to purchase an existing DPC practice: profit and loss statements, Medicare opt-out windows, non-compete clauses, legacy pricing, quarterly taxes, and the financial advisory team she credits with keeping her afloat in year one.This is one of the most practical financial conversations we have had on this podcast.What we cover:Evaluating a practice before you buyThe Medicare opt-out problem nobody warned her aboutBuilding a financial team before you think you need onePricing for legacy vs. new patientsGrowing sustainably without burning out your staffWhat physician joy actually looks like on the other sideDr. Feneisha Franklin is the owner of Living Well Family Medicine in Lexington, South Carolina. She is currently accepting new patients.Learn more at mydpcstory.com.Osprey CFO handles your DPC financial infrastructure so you can focus on patients and growth. Get your FREE Osprey + My DPC Story Financial Decision Tree HERE. Register for Hint Summit 2026: 4/8–11/26. Get $75 off w/ MYDPCSTORY through March 31 at summit.hint.com. DPC gives you autonomy. But autonomy without financial clarity becomes stress in disguise.Cash flow. Owner pay. Hiring timing. Tax strategy.These aren't afterthoughts. They're what protect your freedom long term.Contact Osprey CFO to see how they can help you handle the financial infrastructure of your DPC so you can stay focused on patients and growing your practice. Earn money WHILE running your DPC! Join SERMO for FREE today!Support the showGET your FREE MONTHLY BUSINESS TOOL DOWNLOAD Become A My DPC Story PATREON MEMBER! SPONSOR THE PODMy DPC Story VOICEMAIL! DPC SWAG!FACEBOOK * INSTAGRAM * LinkedIn * TWITTER * TIKTOK * YouTube

Each house in the New York State legislature released its budget proposal, and both called for raising taxes on wealthy New Yorkers. Jimmy Vielkind, New York State Issues reporter for WNYC, reports on how that will affect negotiations, since Governor Hochul is firmly against a tax hike, and other issues in the assembly's and senate's proposals. Photo: Senate Majority Leader Andrea Stewart-Cousins, left, and Speaker Carl Heastie, center, meet with Gov. Kathy Hochul, right, following a presentation of Gov. Hochul's executive budget proposal on Tuesday, Jan. 20, 2026, at the Capitol in Albany, N.Y. (Will Waldron/Albany Times Union via Getty Images).

This week… State legislators had a 24-hour marathon meeting to pass the "Millionaire's Tax.” Seattle might install some temporary public bathrooms ahead of the World Cup. And a local vegan restaurant sparked outrage by adding chicken and eggs to the menu. Arts reporter Jas Keimig and Seattle Met Food and Drink Editor Naomi Tomky are here to break down the week. Read Naomi’s piece on the best fries in Seattle here. We can only make Seattle Now because listeners support us. Tap here to make a gift and keep Seattle Now in your feed. Got questions about local news or story ideas to share? We want to hear from you! Email us at seattlenow@kuow.org, leave us a voicemail at (206) 616-6746 or leave us feedback online.See omnystudio.com/listener for privacy information.

If you don't get things right during this important window of time, your retirement likely won't be what you hoped... This 10 year period of time will determine the trajectory of your entire retirement. Prepare correctly and you will enjoy a fulfilling life without worry. Little preparation and poor execution and you will be wishing you could get a do over... Only problem is, you get one shot at retiring right the first time.

Stew does a dive deep into the escalating war in Iran – a Zionist-engineered catastrophe that's dragging America into Armageddon for Benjamin Netanyahu's dream of Greater Israel. Jake GTV exposes it: veteran just admitted the nightmare: she fought in the War on Terror only to realize SHE was the terrorist gunning down families—just like Fallujah, just like Gaza today. Zionist machine drags us to the Iran war for Greater Israel & Antichrist prophecy—false flags, Dow spikes, goyim bleed while Epstein stays buried.

Hillsdale College Radio General Manager and Radio Free Hillsdale Hour host Scot Bertram fills in for Jim Geraghty on Thursday's 3 Martini Lunch. Join Scot and Greg Corombos as they discuss the staggering amount of hospice fraud in Southern California, CNN's repeated stumbles while reporting the New York City terrorism story, and Michigan lawmakers moving toward a mileage tax.First, they applaud CBS for reporting on hundreds of millions of dollars lost to hospice fraud, with a surprisingly large share occurring in Los Angeles County. Greg explains how the scheme harms its unwitting victims, while Scot praises CBS for pursuing the story and questions why more mainstream media outlets are not consistently investigating allegations of fraud like this.Next, they're stunned as CNN stumbles into a third retraction and apology in less than two days over the attempted terrorist attack in New York City on Saturday. Just hours after anchor Abby Phillip apologized for falsely reporting that NYC Mayor Zohran Mamdani was the target, another reporter repeated the same claim. Scot and Greg also react to a CNN commentator badly botching the Pentagon steak and lobster story.Finally, they weigh in on lawmakers in Michigan considering a mileage tax on electric semi-trailers and haulers to make up for lost gas tax revenue. While they strongly oppose government mandates pushing electric vehicles, Scot and Greg vehemently reject the idea of the government monitoring vehicles to impose a new tax or for any other purpose.Please visit our great sponsors:Unlock your healthiest skin by targeting visible aging signs at https://Oneskin.co/3ML with code 3ML for 15% off.Make this the season where no opportunity or customer slips away with Quo. Try Quo free and get 20% off your first 6 months at https://Quo.com/3MLUpgrade your wardrobe with Mizzen & Main — get 20% off your first purchase at https://MizzenandMain.com with promo code 3ML20.New episodes every weekday. 

Most business owners unknowingly leave thousands of dollars in tax savings on the table every year. In this episode, John talks with tax strategist Peter Holtz about proactive tax planning, common deductions many entrepreneurs miss, and why year-round strategy matters more than last-minute filing. They discuss overlooked opportunities like the Augusta Rule, paying your kids through the business, home-office deductions, and smarter entity structures. If you want to legally reduce taxes, improve cash flow, and build a more profitable business, this conversation offers practical strategies every small business owner should understand. Today we discussed: 00:00 Tax Deadlines and Planning 01:50 Proactive Tax Planning 03:35 Tax Code Complexity and AI Tools 06:26 Business Tax Deductions 09:11 Augusta Rule Tax Benefits 10:37 Tax vs Cash Flow Decisions 14:16 Profit Mindset 16:19 Implementing Profit First 18:31 Tax Advisors and Real Estate 21:17 IRS Delays and Filing Problems 22:49 Closing Remarks and Resources Rate, Review, & Follow If you liked this episode, please rate and review the show. Let us know what you loved most about the episode. Struggling with strategy? Unlock your free AI-powered prompts now and start building a winning strategy today!

5pm: The Income Tax has passed // Bob Ferguson: “The Millionaires’ Tax passed by the House represents historic progress in rebalancing our unfair system.” // Howard Schultz announces he’s relocating his family and family office that has funded many Seattle businesses to Miami, Florida // Why are authorities finally searching Epstein's ranch in New Mexico? // Rep Comer: The federal government asked New Mexico to stop their investigation, I believe back in 2019 of that ranch. // Letters

Alicia introduces a new segment called Questions from the OWLS, tackling one of the most common headaches in client bookkeeping: business expenses paid from personal funds. She walks through her "Bank of Bob" method, a dummy bank account in QuickBooks that captures the full detail of those transactions, and explains how to handle everything from owner equity cleanup to bartering arrangements.Alicia's current classes: Tricky Situations: http://royl.ws/QBOtricks?affiliate=5393907 Next-level Accrual Accounting: http://royl.ws/NextLevelAccounting?affiliate=5393907  We want to hear from you!Send your questions and comments to us at unofficialquickbookspodcast@gmail.com.Join our LinkedIn community at https://www.linkedin.com/groups/14630719/Visit our YouTube Channel at https://www.youtube.com/@UnofficialQuickBooksPodcast?sub_confirmation=1 Sign up to Earmark to earn free CPE for listening to this podcasthttps://www.earmark.app/onboarding  SponsorsUNC - https://uqb.promo/unc

There's a big difference between making money as a creator… and building a sustainable, scalable creator business.And once you hit that $50K mark, the strategy, mindset, and legal + financial structure need to shift - fast. In this episode, I'm breaking down what creators at this income level need to think about differently.How you position yourself and price your work, to the backend decisions that protect your growth as you scale.If you're considering electing S-Corp status and need a simple payroll system, Gusto is our go-to: https://gusto.pxf.io/55XYOnIf you want strategic support growing your creator business, book a call with our team: https://calendly.com/sidewalkerdailyteam/discovery

Tax season just got a major overhaul. The One Big Beautiful Bill changed more tax rules than anything since 2017, and if you're over 65, retired, or earning tip or overtime income, you could be leaving serious money on the table. In this episode of Friends Talk Money, we sit down with Lisa Green-Lewis, TurboTax spokesperson and trusted tax expert, to break down every major change you need to know before you file. The NEW $6,000 deduction for seniors and who qualifies Tips & overtime income deductions - brand new for 2025 Auto loan interest deduction - what cars qualify Social Security & taxes - the surprise that shocks retirees RMDs, Roth conversions & how to avoid a massive tax bill IRS audits - should you be worried? Free filing options and how to get help Whether you use TurboTax, work with an accountant, or file on your own - this episode could save you thousands. Don't miss it.  TurboTax Free Filing: https://www.turbotax.com AARP Free Tax Help: https://www.aarpfoundation.org/taxhelp

In this episode of Your Investment Partners, hosts Garrett Smith and Paul Norman examine the Social Security Fairness Act and what it means for retirees and government employees. They break down the repeal of the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO), explaining how the changes may impact individuals who worked in both government and private-sector roles. The conversation also addresses how retroactive legislation can affect financial plans and what investors can do to prepare for future policy changes. Garrett and Paul outline strategies such as building excess capacity in retirement plans, maintaining liquidity, and preparing for tax implications when unexpected payments occur. Key Points From This Episode ● Introduction to the Social Security Fairness Act and its potential impact● Explanation of the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO)● Which workers are most affected, including teachers, firefighters, police officers, and certain federal employees● How the legislation repeals WEP and GPO and adjusts Social Security benefits● The concept of retroactive law changes and how they can affect past income or benefits● Historical examples of retroactive policy changes, including tax law adjustments● Building excess capacity in retirement planning to account for unexpected policy shifts● Importance of liquidity in investment portfolios when financial rules change● Balancing illiquid investments with accessible assets to maintain flexibility● Tax considerations when receiving unexpected payments or lump sums● Lessons from the PPP loan program about evolving government guidance● Setting aside funds to cover uncertain tax liabilities or future changes● Why government employees should verify whether they qualify for benefits under the new law Want to learn more? Contact us hereUseful Links Garrett on LinkedIn Paul on LinkedIn Ascend Investment Partners

Chris Huemmer spotlights fixed-income ETFs, especially the multiple bond ladder ETFs his firm, Northern Trust, have launched recently. He explains what a bond ladder ETF is and why investors might be interested. Tax advantages are one of the perks, he explains, along with a “plannable income stream.” Chris is generally bullish on risk and “invested for the long term in equities.”======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

We discuss the growing opposition to the Iran War and new data revealing the war cost $11 billion in the first week. A coalition of antiwar groups launched a national campaign on Wednesday calling for Representative Hakeem Jeffries and Senator Chuck Schumer to step down from their positions as minority leaders. We discuss news from the judiciary this week: conservative State Supreme Court Justice Annette Ziegler is not to run for a new term to the Wisconsin Supreme Court in 2027 and Brad Schimel is blocked by Tammy Baldwin from continuing as U.S. attorney in Milwaukee. We welcome Kristie Tweed, Citizen Action of Wisconsin's statewide Healthcare Coordinator to discuss the BadgerCare Public Option bills' legislative roll out last week and plans for the next month, as grassroots leaders push for more lawmakers to co-sponsor the legislation. Krisite tells us about how you can get involved in the upcoming events in Cashton, Appleton, Milwaukee, and Wausau and she provides an update on the bill's growing co-sponsorship list. The Legislature was sued by Law Forward over its billing of private attorney fees to the public. "Wisconsin taxpayers deserve to know their money is being spent lawfully to advance a valid public purpose." Milwaukee Public Schools announced they will be forced by state underfunding to slash 260 staff, as MPS Superintendent Brenda Cassellius stressed that MPS faces rising costs while receiving a $0 state increase in general aid due to the last disastrous state budget deal. As Wisconsin public school districts make cuts, the UW Athletic Department is coming to the Legislature with hat in hand looking for taxpayers to fund millions to support the UW's NIL program to pay college athletes in football and basketball.

The industry changes, but the core challenges of running a dental practice remain remarkably consistent. In this foundational episode of The Millionaire Dentist, hosts Casey Hiers and Jarrod Bridgeman pull back the curtain on how Four Quadrants Advisory has spent over 22 years helping practice owners master the business side of dentistry.We move past the transactional "quick fixes" and dive into what it actually takes to build a life-changing financial strategy. If you've ever felt like the "business" part of your practice is a second full-time job you didn't sign up for, this episode is your roadmap to taking back control.Upcoming Tour Dates: Go to our EVENTS page for infoFacebook: Four Quadrants AdvisoryInstagram: @fourquadrantsadvisoryLinkedIn: Four Quadrants Advisory

We took a road trip for spring break. Flights were outrageous. Gas was fine. Made sense.But I built in the seasonal spike. I always do. Spring break demand, summer blend switchover, refineries making the switch... I planned for all of it.What I didn't plan for was a war.A war that nobody voted for. A war launched while this country was already behind on mortgages, behind on student loans, behind on car notes... and bleeding jobs at a pace we haven't seen since World War II.In Episode 33, I'm getting into all of it. The gas prices hitting families right now during one of the busiest travel periods of the year. The delinquency numbers that were already at historical highs before the first bomb dropped. The 300,000+ federal jobs gone and the unemployment rate that's now past 4% and climbing. And the one thing war has always been really good at... distraction.This isn't political. This is financial. This is real.War is hell at home. War is hell on your wallet. And the people absorbing the cost aren't in the Situation Room.They're at the pump. They're 90 days behind on a mortgage. They're refreshing their email waiting to hear back on a job application.I'm Stoy Hall, and this is Let's Get Real. No guests. No filter. Just facts, finance, and what you can actually do about it.Watch on YouTube: https://youtu.be/2EHdfqGSEm0As always we ask you to comment, DM, whatever it takes to have a conversation to help you take the next step in your journey, reach out on any platform!Twitter, FaceBook, Instagram, Tiktok, LinkedinDISCLOSURE: Awards and rankings by third parties are not indicative of future performance or client investment success. Past performance does not guarantee future results. All investment strategies carry profit/loss potential and cannot eliminate investment risks. Information discussed may not reflect current positions/recommendations. While believed accurate, Black Mammoth does not guarantee information accuracy. This broadcast is not a solicitation for securities transactions or personalized investment advice. Tax/estate planning information is general - consult professionals for specific situations. Full disclosures at www.blackmammoth.com.

Some Republicans are skeptical if the state an hired contractors can carry out a child care reform bill, the Auditor's office releases a full report about Kentucky foster children sleeping nontraditional placements, a bill tightening social media restrictions for minors advances, and lawmakers look to pass regulations for hemp-infused drinks.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Todd Kroupa A former firefighter turned top-producing real estate agent in Georgia. Todd explains his journey from a physically demanding fire department career to becoming a highly successful real estate broker, team leader, and luxury/equestrian property specialist. The conversation walks through: His transition from the fire service to real estate Opening and managing a 400‑agent office in Florida Relocating to Georgia and re-establishing his business How he advises both first-time homebuyers and experienced sellers Emotional decision-making in buying and selling Inspections, deal-breakers, and buyer/seller behavior Multi-generational housing trends post‑COVID Why real estate remains a wealth-building tool Advice for navigating neighborhoods, schools, and due diligence His eventual ranking as #1 single agent for Berkshire Hathaway in Georgia (2024–2025) Todd emphasizes integrity, long-term relationships, and guiding clients toward the right house — not just closing a deal. Purpose of the Interview The purpose of Todd Kroupa’s appearance is to: Share a motivational career-change story — moving from firefighter to top real estate agent. Educate listeners on the real estate process — including buying, selling, inspections, and market strategy. Give practical tips for first-time homebuyers, families, and multi-generational households. Promote best practices for choosing neighborhoods, navigating emotion in home buying, and avoiding pitfalls. Highlight Todd’s success and position him as a trusted resource for Georgia real estate clients. Key Takeaways 1. Career Transition & Motivation Todd became a firefighter in 1992, retired in 2014, and began real estate in 2002. Real estate appealed to him because it allowed him to continue helping people without the physical strain. He built and managed a 400-agent office before returning to working directly with clients — his true passion. 2. Balancing Firefighting and Real Estate He often worked both jobs full-time, with limited days off. Eventually, maintaining both became impossible: “I can’t do this anymore,” he told his wife. 3. Buyer Advice Buyers make decisions emotionally first, then logically. Within the first 3–5 minutes in a home, buyers often know if they like it. Lighting, paint color, home condition, and layout heavily influence emotional response. First-time buyers need extra guidance — like “teaching someone to drive for the first time.” 4. Seller Advice Selling isn’t just about market timing — presentation matters. Neutral paint colors and bright white lighting help increase buyer appeal. Every showing is won or lost in the first few minutes. 5. Inspections Matter — and Are Deal Breakers Top inspection walk‑aways: Mold Foundation issues Roof problemsTodd stresses that if a buyer is uncomfortable before closing, “you won’t be comfortable after you close.” 6. Emotion vs. Logic Many buyers get emotionally attached and ignore red flags. Todd’s rule: commissions should never drive decisions. 7. Multi-Generational Living Is Rising Driven by COVID, high child-care costs, rising home prices. Families are choosing: ADUs (Accessory Dwelling Units) “In-law suites” Larger family compounds 8. Real Estate as a Wealth Builder Unlike stock investments, real estate allows you to: Control, improve, alter, and live in the asset. Tax advantages like 1031 exchanges and mortgage deductions compound long-term value. 9. Don’t Buy the Most Expensive House in the Neighborhood Surrounding homes cap your resale value. You may have to wait years for nearby homes to “catch up.” 10. Neighborhood Due Diligence Realtors must avoid discrimination (Fair Housing Act). Buyers should: Visit neighborhoods at night and on weekends Speak with neighbors Review school ratings and county resources Notable Quotes (from the transcript) Career & Purpose “I love helping people. That’s why I became a fireman. Real estate was another way to help people.” “I wasn’t quite sure I wanted to manage long term… my heart was with clients.” Ethics & Commission “Commissions should never be above the people.” “If you’re focused on commissions, you need to pick a different industry.” Emotions in Home Buying “Buyers think they’re looking logically, but they’re looking emotionally first.” “Within the first 3–5 minutes, they already know if they like the home.” Inspections “If you’re not comfortable with the property now, you won’t be comfortable after you close.” Neighborhood Choice “Focus on the house, but look at the neighborhood — you can’t change your neighbors.” Wealth Building “With stocks you can’t control it, improve it, or live in it. With a home, you can.” Success & Determination “Someone told me when I moved to Georgia I wasn’t going to make it. Now I’m the number one salesperson in Georgia.” #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Todd Kroupa A former firefighter turned top-producing real estate agent in Georgia. Todd explains his journey from a physically demanding fire department career to becoming a highly successful real estate broker, team leader, and luxury/equestrian property specialist. The conversation walks through: His transition from the fire service to real estate Opening and managing a 400‑agent office in Florida Relocating to Georgia and re-establishing his business How he advises both first-time homebuyers and experienced sellers Emotional decision-making in buying and selling Inspections, deal-breakers, and buyer/seller behavior Multi-generational housing trends post‑COVID Why real estate remains a wealth-building tool Advice for navigating neighborhoods, schools, and due diligence His eventual ranking as #1 single agent for Berkshire Hathaway in Georgia (2024–2025) Todd emphasizes integrity, long-term relationships, and guiding clients toward the right house — not just closing a deal. Purpose of the Interview The purpose of Todd Kroupa’s appearance is to: Share a motivational career-change story — moving from firefighter to top real estate agent. Educate listeners on the real estate process — including buying, selling, inspections, and market strategy. Give practical tips for first-time homebuyers, families, and multi-generational households. Promote best practices for choosing neighborhoods, navigating emotion in home buying, and avoiding pitfalls. Highlight Todd’s success and position him as a trusted resource for Georgia real estate clients. Key Takeaways 1. Career Transition & Motivation Todd became a firefighter in 1992, retired in 2014, and began real estate in 2002. Real estate appealed to him because it allowed him to continue helping people without the physical strain. He built and managed a 400-agent office before returning to working directly with clients — his true passion. 2. Balancing Firefighting and Real Estate He often worked both jobs full-time, with limited days off. Eventually, maintaining both became impossible: “I can’t do this anymore,” he told his wife. 3. Buyer Advice Buyers make decisions emotionally first, then logically. Within the first 3–5 minutes in a home, buyers often know if they like it. Lighting, paint color, home condition, and layout heavily influence emotional response. First-time buyers need extra guidance — like “teaching someone to drive for the first time.” 4. Seller Advice Selling isn’t just about market timing — presentation matters. Neutral paint colors and bright white lighting help increase buyer appeal. Every showing is won or lost in the first few minutes. 5. Inspections Matter — and Are Deal Breakers Top inspection walk‑aways: Mold Foundation issues Roof problemsTodd stresses that if a buyer is uncomfortable before closing, “you won’t be comfortable after you close.” 6. Emotion vs. Logic Many buyers get emotionally attached and ignore red flags. Todd’s rule: commissions should never drive decisions. 7. Multi-Generational Living Is Rising Driven by COVID, high child-care costs, rising home prices. Families are choosing: ADUs (Accessory Dwelling Units) “In-law suites” Larger family compounds 8. Real Estate as a Wealth Builder Unlike stock investments, real estate allows you to: Control, improve, alter, and live in the asset. Tax advantages like 1031 exchanges and mortgage deductions compound long-term value. 9. Don’t Buy the Most Expensive House in the Neighborhood Surrounding homes cap your resale value. You may have to wait years for nearby homes to “catch up.” 10. Neighborhood Due Diligence Realtors must avoid discrimination (Fair Housing Act). Buyers should: Visit neighborhoods at night and on weekends Speak with neighbors Review school ratings and county resources Notable Quotes (from the transcript) Career & Purpose “I love helping people. That’s why I became a fireman. Real estate was another way to help people.” “I wasn’t quite sure I wanted to manage long term… my heart was with clients.” Ethics & Commission “Commissions should never be above the people.” “If you’re focused on commissions, you need to pick a different industry.” Emotions in Home Buying “Buyers think they’re looking logically, but they’re looking emotionally first.” “Within the first 3–5 minutes, they already know if they like the home.” Inspections “If you’re not comfortable with the property now, you won’t be comfortable after you close.” Neighborhood Choice “Focus on the house, but look at the neighborhood — you can’t change your neighbors.” Wealth Building “With stocks you can’t control it, improve it, or live in it. With a home, you can.” Success & Determination “Someone told me when I moved to Georgia I wasn’t going to make it. Now I’m the number one salesperson in Georgia.” #SHMS #STRAW #BESTSee omnystudio.com/listener for privacy information.

While Israel's Iron Dome crumbles under sustained Iranian barrages and Netanyahu brags about destroying Amalek worldwide, our treasonous “leaders” are prepping the draft to send your sons to die so Bibi can build his Third Temple empire on mountains of goyim corpses. Jeff Berwick blasts through to unmask the Zionist Satanic overlords behind Epstein's hits on Tzla inventors, phony Iran escalations, and chemtrail mass murder plots while burying plasma healing tech that's nuking vax injuries and arming us against their globalist nightmare.

Click HERE to learn how to earn $10K/month in rental income & access 50% discount on RTR Academyhttps://landing.renttoretirement.com/evg-masterclass-replayThis episode is sponsored by…BAM Capital:Get access to premium real estate assets with BAM Capital. Rent to Retirement's preferred multifamily partner. https://bamcapital.com/rtr/Welcome back to the Rent To Retirement Podcast with hosts Matthew Seyoum and Zach Lemaster.In this episode, we sit down with Dr. Jim Dahle, practicing emergency physician, Air Force veteran, and founder of The White Coat Investor — one of the most trusted financial education platforms for physicians and high-income professionals.Dr. Dahle shares his journey from being frustrated with financial advisors to building a massive community that helps doctors and professionals avoid costly financial mistakes.We dive into real estate investing, financial independence, tax strategies, and how high-income earners can build long-term wealth while avoiding lifestyle inflation.Whether you're a physician, entrepreneur, or investor, this conversation is packed with practical insights to help you design a smarter financial strategy and achieve long-term financial freedom.Key Topics Covered⏱ Timestamps00:00 – Introduction to Dr. Jim Dahle and The White Coat Investor01:29 – Why Dr. Dahle started educating physicians about money05:10 – The truth about financial advisors and conflicts of interest08:16 – DIY investors vs delegators vs validators11:47 – Financial independence and working part-time in medicine17:20 – Dr. Dahle's investment strategy (stocks, bonds, and real estate)21:33 – Why real estate is a powerful asset class25:50 – Tax advantages of real estate investing30:30 – Why owning just one rental property can be painful33:20 – Scaling a real estate portfolio the right way37:43 – When managing rentals is worth your time (and when it's not)45:27 – The first financial step new professionals should take47:41 – Paying off debt vs investing: which is better?49:08 – The biggest financial mistake high earners make51:03 – How AI may impact high-income professions53:27 – Advice for students and future professionals55:17 – Final investing advice from Dr. Dahle

Today's episode of the Power of Zero Show sees David McKnight address one of the most important decisions you'll ever make in retirement: where you should withdraw money from first. It's important to note that the sequence in which you draw down your retirement dollars can dramatically affect how long your money lasts and how much of it you get to keep. Since the Trump tax cuts were permanently extended on July 4th, 2025, retirees have been presented with one of the most significant tax planning windows they may ever see. The national debt continues to grow – with Social Security and Medicare obligations expanding every year, and interest on the national debt taking up a larger and larger share of the federal budget. Analysts at the Congressional Budget Office and several independent economists agree that, although the 2025 extension has delayed the inevitable, it has not solved the underlying math… In or around 2035, the Government will have to raise revenue to keep pace with rising expenditures. Every dollar you withdraw from tax-deferred accounts – like IRAs, 401(k)s, 403bs, 457s – is a dollar tax rate that may be the lowest you're likely to see in your lifetime. "The goal isn't to eliminate RMDs entirely but to shrink your tax-deferred bucket to the point where these distributions are completely absorbed by your standard deduction", says David. "That means tax-free distributions from IRAs and 401(k)s. Many experts have warned people: if the U.S. doesn't right its fiscal ship of state by 2043, no combination of raising taxes or reducing spending will arrest the financial collapse of the country. You're living in a decade where taxes are as low as you've seen in your lifetime… …and even though the tax cuts were extended indefinitely, the long-term fiscal math still points in one clear direction.     Mentioned in this episode: David's new book, available now for pre-order: The Secret Order of Millionaires David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track Tax-Free Income for Life: A Step-by-Step Plan for a Secure Retirement by David McKnight DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com

With a PetaPixel Membership, not only can you support original PetaPixel reporting and in-depth reviews, but you can also remove ads from the website and gain access to some seriously great perks, too. Members get $15 off the Moment Store, 5% off certified pre-owned gear from KEH, 25% off the PetaPixel Merch Store, and now can download full-resolution RAW files and JPEGs from the latest cameras and lenses. It costs just $3 per month or $30 per year. Join today!Now saving when you shop for your favorite gear at B&H Photo is even easier with the B&H Payboo Credit Card which lets you Save the Tax — you pay the tax, and B&H pays you back instantly! (Save the Tax on eligible purchases shipped to eligible states.) OR you can pay over time with our 6 & 12 month financing (on minimum purchases of $199 for 6 months, and $599 for 12 months). Terms apply, learn more at http://bhphoto.com/payboo. Credit card offers are subject to credit approval.Payboo Credit Card Accounts are issued by Comenity Capital BankThis week on The PetaPixel Podcast, the team is joined by mobile expert Ted Kritsonis who shares his opinion on why Samsung might be afraid to take risks with its smartphone hardware and, more importantly, why it doesn't seem to matter how far behind Chinese brands its devices are. Check out PetaPixel Merch: store.petapixel.com/ We use Riverside to record The PetaPixel Podcast in our online recording studio.We hope you enjoy the podcast and we look forward to hearing what you think. If you like what you hear, please support us by subscribing, liking, commenting, and reviewing! Every week, the trio go over comments on YouTube and here on PetaPixel, but if you'd like to send a message for them to hear, you can do so through SpeakPipe.In This Episode:00:00 - Intro w/ mobile specialist Ted Kritsonis11:10 - Apple finally replaced the Pro Display XDR and it's pretty good18:37 - Apple announced a new MacBook Pro Powered by M5 Max22:04 - Peak Design has a bunch of new travel bags and the 2-in-1 makes some necessary improvements30:25 - Jaron is using the new Shure MVX2U Gen 233:24 - Fujifilm introduced some new lens ideas42:12 - Yashica announced the Tank47:30 - Samsung's Phones Aren't Exciting... But Does That Matter?1:15:37 - What have you been up to?1:27:43 - Tech Support1:30:42 - Feel good story of the week

Noah has a candid conversation with William Mack on what pastors are facing today, unrealistic expectations, having to wear a mask, and how churchgoers can help with all of this. The conversation is bathed in foundational spiritual formation practices that everyone, pastors and non-pastors can apply to their lives.    Rev. William Mack III is a pastor, spiritual director, pastoral counselor, author, and creative whose ministry centers on presence, listening, and compassionate accompaniment. Formed in spiritual direction and pastoral counseling, Mack brings a grounded, trauma-aware, and theologically rooted approach to care, helping individuals and leaders attend to God's movement in the midst of life's complexity.   He is the founder of The Griot Project, a faith-based arts nonprofit and creative incubator that supports individuals, families, and communities in healing through storytelling, artistic expression, and spiritual formation. www.thegriotproject.com    Mack also serves as Executive Director of Rooted Pastors, where he supports pastors and their spouses through spiritual direction, retreats, and holistic pastoral care. www.rootedpastors.org    He is the author of two children's books: How Big is God? & A Prayer for You    Mack lives in Chicago with his wife, Tori. Together, they are the proud parents of five amazing children and grandparents to five joyful grandchildren.   TO SCHEDULE A SPIRITUAL DIRECTION SESSION WITH MACK CLICK HERE   TO JOURNEY WITH MACK ON SUBSTACK CLICK HERE   You can also watch this episode on YouTube: https://youtu.be/yyJ9ddm67nk   Flip Side Notes: Join an upcoming Beyond the Battle online group at www.beyondthebattle.net   Support Flip Side sponsor Angry Brew by using promo code FLIP at angrybrew.com or fivelakes.com to pick up some Angry Brew or Chris' Blend coffee at 10% off.   Get a free month of Covenant Eyes at www.covenanteyes.com using promo code BEYOND   Get a free month of Accountable2You keyword accountability: a2u.app/beyond (do not use “www”)   Your recurring gifts make Noah's ministry & The Flip Side possible. Get some sweet swag by becoming a patron at www.patreon.com/noahfilipiak – includes exclusive access to Noah's episode commentary, interaction, and email access. (Not tax-deductible)  Tax-deductible recurring gifts can be given at www.noahfilipiak.com/give.    Purchase Beyond the Battle and Needed Navigation by Noah Filipiak.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Michael Uadiale. A seasoned CPA and master tax advisor with 25+ years of experience, discussing how entrepreneurs can use strategic tax planning to accelerate wealth building and achieve financial freedom within 5–7 years. He introduces his trademarked DECIDE Framework, explains why most small business owners overpay taxes, and breaks down strategies such as employing children, capturing appreciation, digital asset taxation, and multigenerational wealth planning. Rushion plays the voice of the everyday entrepreneur—curious, intimidated by taxes, and eager to understand wealth strategies—while Michael emphasizes empowerment through education, intentional planning, and knowing the rules of the tax code.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Michael Uadiale. A seasoned CPA and master tax advisor with 25+ years of experience, discussing how entrepreneurs can use strategic tax planning to accelerate wealth building and achieve financial freedom within 5–7 years. He introduces his trademarked DECIDE Framework, explains why most small business owners overpay taxes, and breaks down strategies such as employing children, capturing appreciation, digital asset taxation, and multigenerational wealth planning. Rushion plays the voice of the everyday entrepreneur—curious, intimidated by taxes, and eager to understand wealth strategies—while Michael emphasizes empowerment through education, intentional planning, and knowing the rules of the tax code.

Stew rips the mask off Trump's Zionist puppet regime. Over the weekend, more American bodies piled up in Israel's endless Middle East war – a conflict Trump vows won't end until Netanyahu says so. Uncensored.AI founder J.D. Sharp joins Stew to expose how the Talmudic tribe controls churches, banks, Hollywood, media, and all mainstream AI to feed your sons into the war machine for their prophecy.

    This episode of WarDocs features an in-depth conversation with LTG Mary K. Izaguirre, DO, the 46th Army Surgeon General and Commanding General of U.S. Army Medical Command. LTG Izaguirre shares her personal journey from a residency at Madigan Army Medical Center to serving in a tent in Bagram, Afghanistan, during the early stages of the war. She discusses how these early experiences shaped her understanding of the "why" behind military medicine: maintaining the trust of the American soldier by providing world-class care shoulder-to-shoulder on the battlefield. A central theme of the interview is the fundamental difference between civilian and military healthcare; while civilian systems often optimize for profit or specific health outcomes, military medicine must optimize for the mission, sometimes reprioritizing traditional medical metrics to ensure the Army remains effective in dangerous and dynamic environments.  The discussion also explores the evolving role of the Army Surgeon General as an "integrator," a position codified to synchronize medical capabilities across the entire Army and joint force. LTG Izaguirre highlights the 250-year heritage of the Army Medical Department and the 125th anniversary of the Army Nurse Corps, emphasizing that this history of overcoming "hard things" provides the foundation for today's leaders to tackle modern challenges. Looking toward the future, she identifies artificial intelligence as a current tool rather than a distant prospect, advocating for "human-machine teaming" to decrease cognitive loads and improve clinical decision-making for medics in the field. By combining these technological advancements with a flexible mindset and a commitment to people, LTG Izaguirre outlines a vision for an Army health system that is lethal, cohesive, and consistently ready to support the nation's heroes. Chapters (01:21-06:35) Path to Army Medicine (06:36-15:42) Lessons from the Front Lines (15:43-21:03) Leadership and the 250-Year Heritage (21:04-32:07) Transforming the Army Health System (32:08-41:30) AI and the Future of Combat Care   Chapter Summaries (01:21-06:35) Path to Army Medicine: LTG Izaguirre discusses her early interest in biology and how her path led from veterinary aspirations to human medicine within the U.S. Army. She explains how the Army's broad range of opportunities and scholarship programs provided a meaningful way to serve something bigger than herself. (06:36-15:42) Lessons from the Front Lines: This chapter details LTG Izaguirre's deployment to Afghanistan in 2002 and how it shifted her focus from academics to the practical realities of operational medicine. She reflects on the critical "why" of her service: providing shoulder-to-shoulder support to maintain the faith and trust of the American soldier. (15:43-21:03) Leadership and the 250-Year Heritage: LTG Izaguirre reflects on the 250-year history of Army Medicine and the 125th anniversary of the Army Nurse Corps as sources of inspiration for today's challenges. She describes her role as an "integrator," tasked with synchronizing medical capabilities across the entire Army to support the joint force. (21:04-32:07) Transforming the Army Health System: The discussion focuses on how military medicine differs from civilian systems by optimizing specifically for the mission and operational outcomes. LTG Izaguirre emphasizes the need for a flexible mindset and curiosity as the Army undergoes significant structural changes to reflect the National Security Strategy. (32:08-41:30) AI and the Future of Combat Care: LTG Izaguirre identifies artificial intelligence as a current tool that can decrease cognitive loads and assist with clinical decision-making in austere environments. She concludes with a vision for the future of Army Medicine that focuses on vibrant training, strengthened partnerships, and an unwavering commitment to the soldiers and civilians who serve.   Take Home Messages Optimizing for the Mission: The fundamental difference between military and civilian healthcare lies in what the system is optimized for: military medicine prioritizes mission readiness and operational outcomes over profit or standard health metrics. This may require reprioritizing certain medical strategies to ensure the soldier is best postured for the fight and the joint force remains effective. The Role of the Integrator: Modern medical leadership in the Army requires serving as an integrator who synchronizes capabilities across diverse commands and joint partners. This role extends beyond direct command and control to influence the entire Army health system, ensuring it is properly postured to support national defense strategies. The Power of Trust and Heritage: A 250-year heritage of overcoming difficult challenges provides the foundation for today's medical leaders to build trust within their communities and with the soldiers they serve. This trust is maintained by acting in ways consistent with the identity of both a soldier and a clinician, ensuring that the best possible care is always available on the battlefield. Human-Machine Teaming in Medicine: Artificial intelligence is a present-day tool that should be utilized through human-machine teaming to improve decision-making and reduce the mental burden on medical personnel. While technology can get a clinician to the starting line, human judgment and the "human voice" remain essential to successfully providing care in complex environments. Learning Through Listening: Effective leadership during periods of intense transformation requires being a good listener who is willing to hear difficult or differing perspectives. By understanding these viewpoints before attempting to "explain away" problems, leaders can foster curiosity and synchronization throughout their organizations.   Episode Keywords Military Medicine, Army Surgeon General, Lieutenant General Mary K. Izaguirre, WarDocs Podcast, Combat Casualty Care, Army Medicine History, Healthcare Transformation, Medical Leadership, AI in Medicine, Military Healthcare, Army Nurse Corps, Veteran Health, Bagram Afghanistan, Medical Residency, Physician Leadership, Integrated Healthcare, Medical Technology, Trauma Care, Clinical Decision Support, Human-Machine Teaming, Military Strategy, National Security Strategy, Healthcare Trust. Hashtags #MilitaryMedicine, #ArmyMedicine, #Leadership, #WarDocs, #ArmySurgeon General, #MedicalInnovation, #HealthcareLeadership, #CombatMedic   LTG Izaguirre Biography Lieutenant General Izaguirre serves as the 46th Surgeon General of the U.S. Army and Commanding General of the U.S. Army Medical Command. A career physician and leader, she previously commanded Medical Readiness Command, East, and Tripler Army Medical Center.  Commissioned in 1991, LTG Izaguirre earned her Doctor of Osteopathic Medicine from the Philadelphia College of Osteopathic Medicine. She is board-certified in Family Medicine with advanced degrees in Public Health, Military Arts, and National Security Strategy. Her distinguished service includes deployments to Iraq (4th Infantry Division) and Afghanistan, as well as key leadership roles at the Pentagon and various Army medical centers.   A recipient of the Army Distinguished Service Medal and the Bronze Star, LTG Izaguirre is also an Army Flight Surgeon and a member of the Order of Military Medical Merit. She remains dedicated to the health, readiness, and resilience of the Total Army Force   Honoring the Legacy and Preserving the History of Military Medicine The WarDocs Mission is to honor the legacy, preserve the oral history, and showcase career opportunities, unique expeditionary experiences, and achievements of Military Medicine. We foster patriotism and pride in Who we are, What we do, and, most importantly, How we serve Our Patients, the DoD, and Our Nation.   Find out more and join Team WarDocs at https://www.wardocspodcast.com/ Check our list of previous guest episodes at https://www.wardocspodcast.com/our-guests Subscribe and Like our Videos on our YouTube Channel: https://www.youtube.com/@wardocspodcast Listen to the “What We Are For” Episode 47. https://bit.ly/3r87Afm   WarDocs- The Military Medicine Podcast is a Non-Profit, Tax-exempt-501(c)(3) Veteran Run Organization run by volunteers. All donations are tax-deductible and go to honoring and preserving the history, experiences, successes, and lessons learned in Military Medicine. A tax receipt will be sent to you. WARDOCS documents the experiences, contributions, and innovations of all military medicine Services, ranks, and Corps who are affectionately called "Docs" as a sign of respect, trust, and confidence on and off the battlefield,demonstrating dedication to the medical care of fellow comrades in arms.     Follow Us on Social Media Twitter: @wardocspodcast Facebook: WarDocs Podcast Instagram: @wardocspodcast LinkedIn: WarDocs-The Military Medicine Podcast YouTube Channel: https://www.youtube.com/@wardocspodcast  

As the Department of Homeland Security undergoes a leadership shift with Oklahoma Senator Markwayne Mullin tapped to take the helm from outgoing Secretary Kristi Noem, the agency remains paralyzed by a partial government shutdown. House Homeland Security Committee Chairman Andrew Garbarino (R-NY) joins the Rundown to discuss the "recipe for success" under Mullin, while sounding the alarm on how a DHS funding lapse could create domestic security risks amid the escalating conflict with Iran. Tax season is underway and President Trump's tax cuts are in full swing, with many Americans seeing the benefits. Critics, however, say the policy disproportionately favors the wealthy. IRS CEO and Social Security Administration Commissioner Frank Bisignano joins the Rundown to discuss the administration's progress and what taxpayers should watch for.  Plus, commentary by Tomi Lahren, host of “Tomi Lahren is Fearless” on Outkick.com Learn more about your ad choices. Visit podcastchoices.com/adchoices

All of this week's episodes of It Could Happen Here put together in one large file. - What’s Happened to the Israeli Left - Tax the Rich Takes the New York Capitol - What's Next for Iran? - Paramount, Warner Bros. and How Monopolies Ruin Everything - Executive Disorder: Iran, US Munitions Shortage, Texas Primary Election You can now listen to all Cool Zone Media shows, 100% ad-free through the Cooler Zone Media subscription, available exclusively on Apple Podcasts. So, open your Apple Podcasts app, search for “Cooler Zone Media” and subscribe today! http://apple.co/coolerzone Sources/Links: What’s Happened to the Israeli Left Gisha - https://gisha.org/en/ Breaking the Silence - https://www.breakingthesilence.org.il/ Zochrot - https://www.zochrot.org/welcome/index/en Culture for Solidarity - https://www.instagram.com/culture_of_solidarity/ Dignity for Palestinians - https://dignity4palestine.org/ Physicians for Human Rights Israel - https://www.phr.org.il/en/ Rabbis for Human Rights - https://www.rhr.org.il/en/ Remembering Awda Hathaleen - https://jewishcurrents.org/remembering-awdah-hathaleen Beith El-Meem - https://www.beitelmeem.org.il/aboutus-eng “No Other Land” documentary - https://releasing.dogwoof.com/no-other-land “Coexistance my ass!” documentary - https://www.coexistencemyass.com/ Dahlia Scheindlin's book "The Crooked Timber" on Israeli democracy and the occupation - https://www.degruyterbrill.com/document/doi/10.1515/9783110796582/html?lang=en&srsltid=AfmBOoqr8ur0KCgqZAYrxz5fZYX7QZpUlt6vN0b7zWTl-lJzNZDV-mgs Tax the Rich Takes the New York Capitol https://taxtherichny.com/action/ https://ourtime.nyc/ https://www.capitolconfidential.com/p/new-york-gained-thousands-of-new https://www.thecity.nyc/2026/02/19/mamdani-budget-parks-libraries/ https://www.nyc.gov/mayors-office/news/2026/01/mayor-mamdani---governor-hochul-to-launch-free-child-care-for-tw https://www.nyc.gov/mayors-office/news/2026/01/executive-order-12 Executive Disorder: Iran, US Munitions Shortage, Texas Primary Election https://apnews.com/article/bovino-minnesota-immigration-minneapolis-good-pretti-0ace82ca68846109fbf6d30439e6f0f1 https://caselaw.findlaw.com/court/us-10th-circuit/1431469.html https://www.axios.com/2026/03/02/trump-iran-war-kurds-iraq https://x.com/KurdistanWatch/status/2028447001508012501?s=20 https://www.militaryreligiousfreedom.org/2026/03/mrff-inundated-with-complaints-of-gleeful-commanders-telling-troops-iran-war-is-part-of-gods-divine-plan-to-usher-in-the-return-of-jesus-christ/ https://www.cnn.com/2026/03/03/politics/cia-arming-kurds-iran https://presidency.gov.krd/sarok-nechervan-barzani-o-oazeri-daraoai-aeran-peshhathkani-naochhkh-taotoe-dhkhn/ https://x.com/qubadjt/status/2029199935917187252?s=20 https://x.com/CENTCOM/status/2029219939102401017?s=20 https://www.centcom.mil/ https://www.politico.com/news/2026/03/04/pam-bondi-subpoena-epstien-00812960 https://www.cnbc.com/2026/03/03/fcc-chair-brendan-carr-wbd-paramount-merger-deal-netflix.html https://x.com/KellieMeyerNews/status/2027181141162111461 https://president.columbia.edu/news/message-acting-president-claire-shipman-0 https://x.com/NoahHurowitz/status/2027124257394774140?s=20 https://www.aclu.org/press-releases/transgender-kansans-challenge-state-law-invalidating-their-drivers-licenses-and-allowing-them-to-be-sued-for-using-public-restrooms https://www.kslegislature.gov/li/b2025_26/measures/documents/sb244_enrolled.pdf https://www.assignedmedia.org/breaking-news/kansas-revokes-license-no-gender-change https://x.com/admcrlsn/status/2029041869074604256?s=20 https://www.nytimes.com/interactive/2026/us/elections/results-texas-us-senate-primary.html https://www.texastribune.org/2026/03/03/jasmine-crockett-dallas-williamson-county-voting-changes/ https://www.nytimes.com/2026/03/03/us/elections/dallas-county-vote-tally-court-ruling.html https://www.texastribune.org/2026/02/04/on-the-issues-a-qa-with-the-texas-democrats-running-for-u-s-senate/ https://jamestalarico.com/issues/ https://punchbowl.news/article/campaigns/talarico-pitch/See omnystudio.com/listener for privacy information.

Donald Trump is a documented child-molesting pedophile puppet who's dragging America into an illegal slaughterhouse war for Israel while covering up his own Epstein crimes! The Goyim are awake, these kid-killing Zionist traitors are exposed, and it's time we take this country back before they turn every American into cannon fodder for Greater Israel!   Ty Bollinger storms The Stew Peters Show with nukes on the Jewish-dominated censorship empire—deplatformed, demonetized, and targeted for blowing the lid off killer vaccines and Big Pharma's murder schemes.