Podcasts about Tax

This episode explores key accounting and reporting considerations for year-end financial reporting. Technical leaders from our National Office share reminders and timely insights across a range of topics, including tariffs, income taxes, held-for-sale accounting, and other emerging issues–topics that are relevant for all finance teams, even if it's not year-end close time.In this episode, we discuss:1:52 – AI mega-deal structuring and related accounting and reporting complexities11:30 – Equity method accounting considerations and related disclosures15:58 – Tariffs and trade considerations, including inventory impacts21:38 – Crypto asset accounting models and new FASB guidance25:16 – Accounting and reporting for private credit transactions33:00 – Tax reform developments and income tax accounting40:00 – New ASUs related to derivatives and hedge accounting42:52 – Held-for-sale accounting46:00 – OECD Pillar 2 and global taxFollow this podcast on your favorite podcast app and subscribe to our weekly newsletter to stay in the loop.About our guestsBret Dooley is a PwC National Office Deputy Chief Accountant who leads teams focused on the financial services sectors and accounting for financial instruments. He has over 25 years of experience in the financial services, banking, and capital markets industries. Bret focuses on emerging financial reporting issues related to financial instruments, developing interpretive guidance, and assisting clients in resolving complex accounting matters.Pat Durbin is a PwC National Office Deputy Chief Accountant. He has over 30 years of experience consulting with our clients and engagement teams on complex accounting matters, including issues related to revenue, compensation, income taxes, and inventory under both US GAAP and IFRS.Beth Paul is a PwC National Office Deputy Chief Accountant responsible for a team of consultants that specialize in business combinations and related areas, such as consolidations, disposals, impairments, and segment reporting. She has over 30 years of experience consulting with clients and engagement teams on complex accounting matters.About our guest hostTom Barbieri is PwC's US Chief Accountant. He has over 30 years of experience advising large financial services and multinational corporations on complex accounting issues. Tom leads the Accounting & SEC Services Group within the National Office, which is focused on supporting our clients and engagement teams in navigating complex technical accounting and financial reporting matters. He is also a member of the Financial Accounting Standards Advisory Council.Transcripts available upon request for individuals who may need a disability-related accommodation. Please send requests to us_podcast@pwc.comDid you enjoy this episode? Text us your thoughts and be sure to include the episode name.

92%ers, welcome to another episode of New Heights brought to you by Intuit Turbo Tax. Today, we are joined by Hollywood legend Matt Damon! But first, we wrap up the end of the NFL regular season, Travis shares his thoughts on what comes next for the Chiefs and where his mind is at going into the offseason, Jason explains why the Eagles were still right to rest their starters, and we look ahead to Wildcard Weekend with our picks for hottest team, biggest possible upset, and our dark horse Super Bowl contenders. Later, Matt Damon joins the show and we talk about his new movie “The Rip,” find out the dumbest thing he's ever talked Ben Affleck into, get some info on “The Odyssey,” his thoughts on the Drake Maye/Tom Brady comparisons, his favorite Boston sports memory, get his advice for fellow girl dads, a breakdown of his football skills from “School Ties,” the one thing Michael Jordan demanded on “Air,” the best advice from Tom Hanks, and so much more! Make sure to check out Matt in “The Rip” only on Netflix, January 16th. https://www.netflix.com/title/81915745 Watch and listen to new episodes of New Heights every Wednesday during the NFL season and follow us on Social Media for all the best moments from the show: https://lnk.to/newheightshowYou can also listen to new episodes ad-free on Wondery+. Join Wondery+ in the Wondery App, Apple Podcasts or Spotify. ...Download the full podcast here:Wondery: https://wondery.app.link/s9hHTgtXpMbApple: https://podcasts.apple.com/us/podcast/new-heights/id1643745036Spotify:https://open.spotify.com/show/1y3SUbFMUSESC1N43tBleK?si=LsuQ4a5MRN6wGMcfVcuynwSend something to the New Heights Mailbox. Don't be weird though. C/O New Heights Productions135 E OLIVE AVE, BURBANK, CA 91502Support the show: INTUIT TURBOTAX: Intuit TurboTax: Learn more at https://turbotax.intuit.com/AMERICAN EXPRESS: The refreshed Platinum card is here. Learn more at https://americanexpress.com/withplatinum. Terms apply.KFC: Presented by KFC. KFC $5 Bowls. 5 different bowls to fill up 5 different ways. Prices and participation may vary. Tax, tip, and fees extra.THE PITT: Starring Emmy Award winner Noah Wyle, the critically acclaimed Max Original Series returns for a second season this Thursday at 9 p.m. on HBO Max. Check out the official companion podcast on HBO Max and all major podcast platforms.STARBUCKS: Try Starbucks new lineup of high protein beverages or customize to create your own! Head to https://Starbucks.comALLSTATE: Check Allstate first for a quote that could save you hundreds: https://allstate.com/See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

From a lumpy 2025 market to building pent-up demand, M&A attorneys Corey Kupfer and Brian Meegan share their frontline perspective on deal trends and what business owners need to know heading into 2026. In this episode of the DealQuest Podcast, host Corey Kupfer sits down with his partner Brian Meegan of Kupfer. to kick off the new year with a candid conversation about the deal market. Together, they've handled dozens of deals totaling hundreds of millions of dollars in purchase price and enterprise value across wealth management, tech, and trade industries nationwide. WHAT YOU'LL LEARN: In this episode, you'll discover why the 2025 M&A market has been "lumpy" with strong activity in certain sectors while others slowed, and how markets normalize uncertainty when clarity takes too long. Corey and Brian discuss tax legislation certainty versus tariff uncertainty pending Supreme Court review, why pent-up demand builds pressure that eventually releases, and how massive PE dry powder creates deployment urgency. You'll learn why equitizing Generation 2 leadership years before an exit improves options and valuation, how trade industries remain attractive due to AI resistance, and what regional differences mean for deal opportunities. DEAL MARKET REALITY: The end of 2024 was intense, and momentum carried into 2025. Yet conversations with colleagues revealed uneven activity nationwide. Wealth management stayed robust while other sectors slowed. Weaker earnings combined with elevated prices created buyer-seller disconnects. CERTAINTY AND UNCERTAINTY: Markets crave predictability. Recent tax legislation provided clarity around R&D credits and SALT deductions. Tariff policy remains uncertain with potential Supreme Court review, creating productivity costs as companies refigure supply chains. PENT-UP DEMAND: When natural deal flow gets suppressed, it builds pressure rather than disappearing. PE firms sit on enormous capital with fund timeline pressures. Money isn't the constraint. Finding opportunities and having clarity to proceed are the real bottlenecks. THE GEN 2 IMPERATIVE: Equitizing key executives years before a potential exit creates tax-efficient structures, makes companies more attractive to buyers, and gives acquirers confidence. Waiting until deal time limits options and hurts valuation. REGIONAL DIFFERENCES: Brian's Denver practice serves different markets than Corey's coastal work. Colorado features strong tech sectors and alternative energy with California migration. Heavy manufacturing concentrates in Arizona and Nevada. TRADE CONSOLIDATION: Professionalization of trades including plumbing, electrical, and HVAC continues after more than a decade. These industries resist AI disruption, making them attractive for stable revenue and consistent fundamentals. Perfect for business owners considering exits, entrepreneurs evaluating opportunities, and anyone wanting frontline perspective on current M&A conditions. FOR MORE ON THIS EPISODE: https://www.coreykupfer.com/blog/brianmeegan2026 FOR MORE ON BRIAN MEEGAN: https://www.kupferlaw.com/ https://www.linkedin.com/in/brian-meegan/ FOR MORE ON COREY KUPFER https://www.linkedin.com/in/coreykupfer/ https://www.coreykupfer.com/ Corey Kupfer is an expert strategist, negotiator, and dealmaker. He has more than 35 years of professional deal-making and negotiating experience. Corey is a successful entrepreneur, attorney, consultant, author, and professional speaker. He is deeply passionate about deal-driven growth. He is also the creator and host of the DealQuest Podcast. Get deal-ready with the DealQuest Podcast with Corey Kupfer, where like-minded entrepreneurs and business leaders converge, share insights and challenges, and success stories. Equip yourself with the tools, resources, and support necessary to navigate the complex yet rewarding world of dealmaking. Dive into the world of deal-driven growth today! Episode Highlights with Timestamps [00:00] - Introduction: Kicking off 2026 with partner Brian Meegan [02:00] - Why the M&A market has been "lumpy" across sectors [04:00] - Tax policy certainty after major legislation passed [08:00] - 2026 outlook and pent-up demand building pressure [13:00] - Appreciation for DealQuest listeners and clients [16:00] - The importance of equitizing Generation 2 leadership [18:00] - Tax efficiency and planning equity participation early [22:00] - Heavy manufacturing trends in Arizona and Nevada[28:00] - Optimism for 2026 and where opportunities exist Guest Bio:Brian Meegan is a partner at Kupfer., bringing extensive transactional experience from his Denver-based practice. Brian specializes in M&A transactions and complex deal structures across tech, natural resources, and professional services. His Colorado practice provides unique perspective on regional market dynamics outside traditional coastal centers. Host Bio:Corey Kupfer is an expert strategist, negotiator, and dealmaker with more than 35 years of professional deal-making and negotiating experience. Corey is a successful entrepreneur, attorney, consultant, author, and professional speaker deeply passionate about deal-driven growth. He is the creator and host of the DealQuest Podcast. Show Description: Do you want your business to grow faster? The DealQuest Podcast with Corey Kupfer reveals how successful entrepreneurs and business leaders use strategic deals to accelerate growth. From large mergers and acquisitions to capital raising, joint ventures, strategic alliances, real estate deals, and more, this show discusses the full spectrum of deal-driven growth strategies. Related Episodes: Episode 331 - M&A Market Outlook for 2025 with Corey Kupfer: Predictions and survey data about M&A activity expectations. Episode 339 - Why Your Gen 2 Matters in M&A with Corey Kupfer: Succession planning and how next-generation leadership affects deal value. Episode 350 - Building Wealth Through Rental Properties with Tom Dillon: The "sweaty startups" concept and trade industry consolidation. Episode 335 - Sovereign Wealth Funds and the Future of Investment Advisory Deals with Corey Kupfer: New capital sources entering wealth management M&A. Episode 330 - From Operator to Owner with Pete Mohr: Business freedom and reducing owner involvement while maintaining value. Episode 206 - Should Uncertainties in the Market Impact Your Deal-Making? with Corey Kupfer: How external factors should influence deal decisions. Social Media: Follow DealQuest Podcast: LinkedIn: https://www.linkedin.com/in/coreykupfer/ Website: https://www.coreykupfer.com/ Follow Brian Meegan: https://www.kupferlaw.com/ Keywords/Tags: M&A market outlook 2026, deal trends, private equity dry powder, pent-up demand, tariff uncertainty, trade consolidation, equitizing employees, succession planning, wealth management M&A, Gen 2 leadership, tax policy certainty, interest rates, regional deal markets, Colorado tech sector, entrepreneurship, business growth strategies, dealmaking, exit planning, capital deployment, fund timelines

LOVE HOSTILE TAKEOVERS? Upgrades all around the AI trade again… January Effect Defense and Oil Related – Let’s Go! PLUS we are now on Spotify and Amazon Music/Podcasts! Click HERE for Show Notes and Links DHUnplugged is now streaming live - with listener chat. Click on link on the right sidebar. Love the Show? Then how about a Donation? Follow John C. Dvorak on Twitter Follow Andrew Horowitz on Twitter Interactive Brokers  Warm-Up - CTP Cup - We have a winner! - Kitchen Cabinets rejoice! - Buffett is retired (kind of) - ALL TIME HIGHS - DJIA Leading so far in 2026 Markets - LOVE HOSTILE TAKEOVERS? - Upgrades all around the AI trade again... - January Effect - Defense and Oil Related! - Calling BS on Venezuela economic plans Doctor Copper - Copper surpassed $13,000 a ton for the first time due to a renewed rush to ship metal to the US. - The rally has been underpinned by the ongoing threat of import tariffs from President Donald Trump, causing US copper prices to trade at a premium to those on the London Metal Exchange. - The market has been driven by uncertainty over future US tariff policy, with analysts warning that the rest of the world could run short of copper due to low inventories outside the US. - Huge inventory build due to uncertainty Copper Chart Following up on that...Some Questions - Isn't the massive inventory build we are seeing due to uncertainly? - Lots bought before tariffs went into effect - then tariffs reduced... - Will there be a hangover from a the pull-forward like we have seen in the past? Best markets for 2025 Colombia: +80% South Korea (KOSPI): +76% Ghana: +79% Brazil (Bovespa): +34% Japan (Nikkei 225): +26% Europe STOXX 600: +19% China (Shanghai Composite): +18% U.S. S&P 500: +17% U.S. Nasdaq: +21% U.S. Dow Jones: +12% US Dollar - Basket USD is at 8 year LOW - Yen at key intervention level (again) - NO MANIPULATION HERE! -- -- Gold/Silver betting trend continues... - What happened to -> "a strong USD is in the best interests of the USA"? Monday Markets - For no apparent reason....(could it be the Venezuela news???) - Markets JUMPED - Oil and Defense stocks moved! - DJIA up ~ 600 Points ---These stocks were about 500 points of the 600: - GS Goldman Sachs Group Inc - CAT Caterpillar Inc - JPM JPMorgan Chase & Co - CVX Chevron Corp - V Visa Inc ---- GS is 1/2 the DJIA gains for 2026 Here we go... - Elon Musk's Grok is generating sexualized images of women and minors - users are taking pictures of others and telling Grok to "remove their clothes" or "put them in a thong bikini" - review of public requests sent to Grok over a single 10-minute-long period at midday U.S. Eastern Time last Friday tallied 102 attempts by X users to use Grok to digitally edit photographs of people so that they would appear to be wearing bikinis. - Politicians in France ask prosecutors to investigate; India demands answers - Experts have long warned Grok owner xAI about potential misuses of AI-generated content - Ministers in France have reported X to prosecutors and regulators over the disturbing images, saying in a statement on Friday the "sexual and sexist" content was "manifestly illegal." India's IT ministry said in a letter to X's local unit that the platform failed to prevent Grok's misuse by generating and circulating obscene and sexually explicit content. - Guardrails not very tight along the track - Surprised? TESLA - Sales awful - Stock holdingup - BYD Co. outsold Tesla Inc. in Europe's two largest electric-vehicle markets last year as the Chinese automaker continues its global expansion. - BYD registered more than twice as many new vehicles in December as Tesla did in Germany, and outperformed Tesla in the UK with 51,422 registrations compared to Tesla's 45,513. - BYD delivered 2.26 million EVs in 2025 to Tesla's 1.64 million, and has made strong inroads in the UK where Chinese brands have been attracting consumers with cheaper sticker prices. - NVDA announced it is expanding autonomous driving sector INTERACTIVE BROKERS Check this out and find out more at: http://www.interactivebrokers.com/ Silver and Gold - As we predicted - Gold and silver prices fell Wednesday after exchange operator CME Group again hiked the margins on precious metal futures. - CME Group said in a statement Tuesday that the decision was made “as per the normal review of market volatility to ensure adequate collateral coverage.” - That caused some to sell positions to bring margin requirement in check - - Should be temporary until metals find their margin equilibrium Bitcoin - Starting the year off right - Up 7% in 2026 after a very poor 2025 - Crypto moving as well - Safe haven trade, catch up trade or who-knows-what-the-hell trade? January Effect - The January Effect is a market phenomenon where stock prices—especially small-cap stocks—tend to rise more in January than in other months. - Tax-loss selling in December: Investors often sell losing positions at year-end to offset capital gains for tax purposes. - Reinvestment in January: After the new year, they buy back stocks, creating upward pressure. - Bonus and cash inflows: Year-end bonuses and new investment allocations often hit the market in January. - Small-caps up almost 3% YTD Impressive - Investors fortunate enough to own Berkshire since 1965, when Buffett took over, realized a return of about 6,100,000%, far above the S&P 500's approximately 46,000% return including dividends. - Buffett is now officially retired - said to be one (or the) greatest investors of our time - Buffett, 95, will remain chairman and plans to keep going every day to Berkshire's office in Omaha, Nebraska, about 2 miles (3.2 km) east of his home, and help Abel. - They still have not completely figured out who will run the equity portfolio after Todd Combs left to join JPM Kitchen Cabinet Relief - Steep tariffs on upholstered furniture and kitchen cabinets and vanities have been delayed by the Trump administration. - It's the latest roller coaster of Trump's tariff wars since he returned to office last year. - The administration is also scaling back on a steep tariff proposed on Italian pasta that would have put the rate at 107%. Let's talk Venezuela - The idea that the US is just going to come in an turn everything rosy is dumb - overly simplistic thesis --- Sets up a bad global potential for overthrowing governments - where does it stop - The idea that US companies are going to go in there and drill and US is going to reimburse for costs? --- The country is allied with Russia and China - not US (at this time) - This is reminiscent of when we opened the doors to Cuba - we opened it up and no one benefited. Maybe this time will be different. - BUT Venezuela owns the largest proven oil reserves in the world, holding approximately 303 billion barrels as of the end of 2024, which is nearly 18–19% of global reserves. So, that is something. VZ Oil Production Drug Price Hikes - Drugmakers plan to raise U.S. prices on at least 350 branded medications including vaccines against COVID, RSV and shingles and blockbuster cancer treatment Ibrance, even as the Trump administration pressures them for cuts - The number of price increases for 2026 is up from the same point last year, when drugmakers unveiled plans for raises on more than 250 drugs. The median of this year's price hikes is around 4% - in line with 2025. -Drugmakers also plan to cut the list prices on around nine drugs. That includes a more than 40% cut for Boehringer Ingelheim's diabetes drug Jardiance and three related treatments. Greenland - What are the odds????? (Prediction Markets are on it! https://forecasttrader.interactivebrokers.com/eventtrader/#/market-details?id=791099793%7C20290101%7C0%7C&detail=contract_details) - “Greenland belongs to its people. It is for Denmark and Greenland, and them only, to decide on matters concerning Denmark and Greenland.” In Closing - The "AI NOT LESS PEOPLE WORKING" - Scam - “I would say that we're actually not hiring fewer people,” AMDs Lisa Su told CNBC's Jon Fortt on Tuesday from the CES conference in Las Vegas. “Frankly, we're growing very significantly as a company, so we actually are hiring lots of people, but we're hiring different people. We're hiring people who are AI forward.” Love the Show? Then how about a Donation? ANNOUNCING THE WINNER OF THE THE CLOSEST TO THE PIN 2025 Winners will be getting great stuff like the new "OFFICIAL" DHUnplugged Shirt! CTP CUP 2025 Participants: Jim Beaver Mike Kazmierczak Joe Metzger Ken Degel David Martin Dean Wormell Neil Larion Mary Lou Schwarzer Eric Harvey (2024 Winner) FED AND CRYPTO LIMERICKS See this week's stock picks HERE Follow John C. Dvorak on Twitter Follow Andrew Horowitz on Twitter

    This episode celebrates the 125th anniversary of the U.S. Army Nurse Corps by profiling four newly commissioned officers completing their Basic Officer Leader Course (BOLC). The conversation highlights the diverse backgrounds and motivations of these future leaders, ranging from a former Master Sergeant with 22 years of enlisted service to first-generation college graduates and officers. By sharing their personal journeys, the guests illustrate the profound commitment required to balance the dual roles of a soldier and a healthcare professional.    The officers discuss the core values that define their service, emphasizing respect, compassion, and the need to maintain professional balance. They detail the rigorous training and mindset shift required to move from bedside nursing to military leadership, where readiness and adaptability are paramount. The interviews reveal that the Army Nurse Corps provides unique opportunities far beyond traditional civilian nursing, including roles in command, specialty practice, and global broadening assignments.     A central theme throughout the episode is the "limitless" nature of a career in military medicine. Whether transitioning from a combat medic background or starting fresh through ROTC scholarships, these officers are driven by a desire to impact the lives of service members and their families worldwide. Their stories serve as an inspiring testament to the enduring legacy of the Nurse Corps and its critical role in medical readiness.    The final takeaway is one of optimism and professional pride. As these officers prepare for their first duty stations, they demonstrate a readiness to face the challenges of military medicine with enthusiasm and dedication. This episode provides a comprehensive look at the professional development, personal sacrifice, and high-level leadership that characterize the next generation of "WarDocs" in the Army Nurse Corps.   Chapters (00:00-01:34) Celebrating 125 Years of the Army Nurse Corps (01:34-04:30) From Master Sergeant to Nurse Practitioner- CPT Michael Morris (04:41-07:05) The Importance of Balance in Military Nursing- 2LT Julian Tagupa (07:09-09:43) First-Generation Success and Limitless Opportunities- 2LT Dana Williams (09:48-12:53) Leadership, Adaptability, and Readiness- 2LT Audrey Holder   Chapter Summaries (00:00-01:34) Celebrating 125 Years of the Army Nurse Corps: This introductory segment honors the historic 125th anniversary of the Corps and introduces the podcast's mission to spotlight future leaders. Host Jeff Clark sets the stage for interviews with officers currently completing their Basic Officer Leader Course. (01:34-04:30) From Master Sergeant to Nurse Practitioner: Captain Michael Morris shares his 22-year journey from a combat medic to an officer and Family Nurse Practitioner. He discusses the transition from high-level enlisted leadership back to direct patient care and the core values of service and compassion that drive his new role. (04:41-07:05) The Importance of Balance in Military Nursing: Second Lieutenant Julian Tagupa describes his transition from the National Guard to active duty and the passion for one-on-one patient influence. He emphasizes the critical need for balance between being an Army officer, a professional nurse, and maintaining a personal life. (07:09-09:43) First-Generation Success and Limitless Opportunities: Second Lieutenant Dana Williams highlights her path as a first-generation college graduate who found her calling in the Army Nurse Corps through ROTC. She discusses the limitless career paths available in the military, including the potential for high-level command and the foundational value of respect. (09:48-12:53) Leadership, Adaptability, and Readiness: Second Lieutenant Audrey Holder shares her motivation as a compassionate leader and the benefits of the ROTC nursing scholarship. She explains how the Army Nurse Corps requires a high degree of adaptability and readiness, preparing officers to lead healthcare teams and deploy at a moment's notice. Take Home Messages The Dual Identity of the Soldier-Nurse: Serving in the Army Nurse Corps requires mastering a unique dual identity where one must be both a tactical military leader and a compassionate healthcare provider. This balance is essential for maintaining readiness and providing high-quality care across diverse environments, from state-of-the-art hospitals to austere settings. Diverse Pathways to Professional Growth: The military offers robust career progression models that allow individuals to advance from enlisted roles, such as combat medics, to commissioned officer roles, such as Nurse Practitioners. These pathways demonstrate the Army's commitment to internal development and provide a platform for long-term professional fulfillment and leadership. Commitment to Medical Readiness and Adaptability: A core requirement for military medical officers is the ability to adapt to rapidly changing assignments and maintain constant readiness for deployment. This flexibility ensures that the healthcare team is always prepared to support the needs of the unit and the nation, regardless of the location or timeframe. Foundational Values of Respect and Compassion: The success of the Army Nurse Corps is built on core values such as respect for patients and peers, as well as a deep spirit of empathy. These values shape the military healthcare culture and are vital for building trust with service members and their families during critical moments of care. Global Impact and Limitless Career Opportunities: Unlike civilian nursing, a career in the Army Nurse Corps provides expansive opportunities in command, broadening assignments, and international service. This "limitless" potential allows officers to impact the broader Department of Defense mission while honing specialized clinical and leadership skills.   Episode Keywords Army Nurse Corps, military medicine podcast, US Army nursing, Basic Officer Leader Course, BOLC, nurse officer training, military healthcare careers, combat medic to nurse, nursing leadership, medical readiness, ROTC nursing scholarship, military nursing stories, first generation officer, Army healthcare team, nursing opportunities, military career paths, nurse practitioner stories, Army nursing history, medical officer training, healthcare leadership, veteran nurses, WarDocs, healthcare professional development, Army medical readiness. Hashtags #ArmyNurseCorps #MilitaryMedicine #WarDocs #ArmyNursing #BOLC #NurseOfficer #MilitaryHealthcare #VeteranStories #FutureLeaders #NursingCareer   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

Welcome to the first podcast of 2026 where Roger and Pete answer more of your varied and interesting questions, covering everything from what to do when you've maxed out your pension and ISA, to whether you should borrow on your mortgage to invest! Shownotes: https://meaningfulmoney.tv/QA37   01:30  Question 1 Hello to Roger and his trusty sidekick Pete, Only kidding Pete, but it will make Roger feel good briefly. I must credit the pair of you for your continued dedication and commitment to educating the wider population on all things financial.  I have gone from strength to strength in planning my retirement with the guidance and abundance of free information you have provided, the books you have written Pete, as well as signing up to the Meaningful Academy Retirement Planning and now planning to retire several years earlier than originally intended. Using the information provided and learnt, I have got my finances in order but more importantly, that decision is to align my future life (and that of my wife) to the finances we need and when our needs are likely to be met, hence the realisation retirement is not as far away as we had originally perceived, so I really appreciate what you have done for me and my family. My question maybe very simple, but it was sparked during a previous Q&A session Listener Question – episode 20 - 30th July – Question 2 – The question surrounded company Shares. I am employed by BAE and I purchase company shares each month, partially as a sensible Tax saving being a higher rate tax payer (purchase them pre Tax) but also for the first £75 worth each month I buy each month, the company will match, so effectively £150 worth of shares which technically costs less than £50 in real money each month.  Now whilst I do sell some shares along the way (after the 5-year maturity to avoid tax payment), I continue to have a reasonable amount invested (£35k subject to tax relief period on some). A statement you made during the above session was "as a sideline issue we tend to say to people that investing in shares for the company you work for is a bad idea at any scale, thus to avoid backing one horse and it's not a good idea to hold onto shares for a company you work for." Now I thought I was onto a winner and being tax efficient and building an amount of money which I tap into on an occasional basis as well as additional source of income once retired, but are you implying, as you did to that listener, I might consider cashing some in and transferring the money else where? Perhaps in this instance it is suffice leaving it there, as the examples you gave were for smaller companies (in comparison) that folded, whereas BAE one of the larger Defence industry companies, doesn't appear to be going anywhere soon?  I do have a Royal Naval DB pension already paying out, as well as a part DB and part DC pension with BAE (continuing to build), so I'm not reliant upon the money, which is another factor why I've not considered moving them away or am I doing myself a bad deal, id value your opinions (not advice ha ha)? Thank you for your time Regards, John 08:02  Question 2 I'm 39, a basic rate taxpayer and I have a Lifetime ISA and a SIPP with HL. Can I save for retirement in my Lifetime ISA and invest in the same funds as my Pension after receiving the 25% bonus to achieve similar growth. Then at age 60, withdraw all that money tax free and pay it into my pension (up to my allowances and possibly using previous years) to gain the 20% tax relief just before I draw the pension? I would also save some money on platform fees as the LISA is 0.25% vs the SIPP at 0.45%. I know I can get cheaper platforms elsewhere but I find HL easy, intuitive, and feel like I can trust them with my money, which really encourages me to save in the first place. Thanks, Robert 13:40  Question 3 Hi Pete and Roger, Longtime fan and listener, thanks for all the great work you do! I'm 40 years old and a member of the LGPS DB pension scheme, which I've been paying into since my early 20s. My partner is also in a DB scheme (Central Government). We have no debt other than our mortgage. We currently live in a modest home we bought for £89k, but are thinking about upgrading to a bigger property for more space and comfort (no plans to have children). That said, we've enjoyed the low cost of living here. We've built up around £160k in savings, split roughly 40% in a Stocks & Shares ISA and 60% in Premium Bonds and cash. I've tried to keep the ISA intact as a form of flexibility/security around retirement, potentially to retire early or reduce hours in the future. The dilemma is: 1. Do we spend most of the savings on a better house and accept working longer? 2. Or do we stay where we are, keep our financial flexibility, and potentially one of us works less or retires earlier? 3. Or is there a sensible middle ground, spending some of the cash to improve our living situation while still preserving part of our financial cushion for future flexibility? We're just trying to balance quality of life now with freedom and options later, and would love to hear your take on it. Is there anything else we haven't thought about? Thanks so much for your thoughts! Gez   19:25  Question 4 Hi Pete and Rog, big fan of the show and I appreciate the helpful topics you cover. I am currently going through a remortgage and am extracting equity from our house to invest. The new mortgage rate is around 4% and our LTV will be around 80%. The additional monthly costs are within our budget too. My strategy is to invest the extracted amount in a stocks and shares ISA with my wife, utilising the £20k allowance each per tax year. This will be invested into globally diversified index funds. I have ran calculations on how much I will be paying in additional interest vs how much is probable from stock market returns. Over 25 years, the additional interest paid on £50k extracted at 4% is £29k Over 25 years, having invested £50k, I would need to return 1.84% to break even from this deal. This is due to the way mortgages are amortised via repayment vs the investments compounding positively. With conservative returns of 7% used, this will net £236k of interest. Am I missing anything here? Keep up the great work and I'm very interested to hear whether you have done this in the past. Stephen 26:40  Question 5 Hi Pete and Roger, Recent discoverer and now big fan of the show here - I have now caught up on all the Q&A episodes and am continuing to work my way through the back catalogue: a lot of material! My questions centre on tax-efficient options once ISAs and pensions are maxed out, and how to "bridge" savings if retiring before pension-age. I am 36, married and have 2 young daughters who are the apple of my eye. We have a very manageable mortgage and I benefit from a very well paid job. However, an extremely stressful period last year sent me on the track of better understanding personal finance (and ultimately finding you) in order to achieve financial independence and not need to tolerate that kind of situation ever again, as well as be free to dedicate my time and energy to things without worrying about how much money they pay. 1) I am trying to get to functional financial independence (i.e. paid work is entirely optional) as soon as possible - I now max out my annual pension and ISA allowance each year and am likely to continue to in the future. Are there any other normal vehicles I can use for additional saving and investing? Giving money to my wife to use her ISA allowance? Anything else? I don't want to overpay the mortgage for the next several years as we managed to get a fixed rate that is below the current rate of inflation. 2) I have a good understanding of our essential and discretionary spending, and with a conservative annualised rate of return I could theoretically stop contributing to my pension pot in the next 7ish years and compounding would mean it would be big enough to fully support us once we can access it. My question is - is there a good rule of thumb or approach for working out how much I need to save outside the pension if I wanted to stop working for money before 57? Is it just a case of working out # years x expenses or is there anything more sophisticated to it? 3) bonus question - feel free to cut if it doesn't fit: I'm familiar with the idea of asset allocation and rebalancing to "smooth the ride" for my portfolio. Most things I've read or listened to have focused on equities vs. bonds. When I was looking at a number of bond indexes recently the returns have been pretty flat, often 4% from a cash ISA, what's the point of the bonds? Am I missing something? Thanks so much for all the knowledge you put into the world, giving people the tools to look after themselves. The chat is pretty great too! Kind regards, Martin 37:18  Question 6 Hello Pete & Roger Thank you for your fantastic materials, so well explained. We're 62. We already have a standard pension pot Annuity and we have around £300,000 in savings in building society accounts. (We value peace of mind over the potential for big gains, so we're not really considering stocks and shares). We're wondering whether, rather than rely entirely on savings accounts, it would make sense to use a Purchase Life Annuity. With current annuity rates, it looks like that's a Yes, so we're curious what your expert view is on this. We're aware of the downside: that it leaves us without much of a savings pot for any unexpected very large need. Have watched the Annuities: Back from the dead? video - https://www.youtube.com/watch?v=alTTzrd2NbY -  which talked about buying an annuity with pension, but in our case it would be Purchase Life Annuity, so does that make a difference when purchasing an annuity? Thank you again! Moira  

This episode revolves around President Donald Trump's claim that, due to the massive tsunami of tariff revenue that's flowing into the U.S. coffers, Americans won't have to pay income tax in 2026. David McKnight looks at the 2025 fiscal year: the Federal Government spent about $7 trillion and brought in about $5 and a quarter trillion in revenue. While breaking down the math related to the 2025 fiscal year, David points out that "Revenue from income taxes is the single largest source of Federal revenue", while "Tariffs, by contrast, are one of the smallest." Even Trump's own economic team, including Treasury Secretary Scott Bessent, has said that in an extremely optimistic scenario, tariff revenue might someday reach $500 billion a year – which is only about ⅕ of what gets collected in income taxes. By looking at the numbers, it's clear that the proposed tariff-funded $2,000 check for each of the 340 million Americans wouldn't work: it would cost roughly $680 billion against a tariff revenue that only amounts to $195 billion… David clarifies a key point about tariffs. They're not paid by foreign governments, they're paid by U.S. importers. In other words, tariffs are simply a tax on consumers. There's an additional problem that shouldn't be overlooked. Not only do tariffs not generate enough revenue, but they can also lead to retaliation by other countries imposing their own tariffs on American exports. This means that an American effort to try to raise trillions of dollars through tariffs could end up costing heavily on its own people.  David is crystal clear: While these types of claims make for great sound bites, the federal budget still has to obey the mathematical laws of the universe, and the math makes it clear: There's no world in which tariffs could ever eliminate the need for an income tax. By the look of things, the U.S. is marching into a future where the federal government will soon need huge infusions of cash just to pay the interest on its exploding national debt. To forestall this, the U.S. government will have to double federal income taxes in or around 2035.  That's why, David says, having a dialed-in strategy to get your retirement savings shifted from 401(k)s and IRAs to Roths is more important than ever.     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 President Donald Trump Treasury Secretary Scott Bessent  Wharton School of the University of Pennsylvania 

What does it really take to stay ahead as short-term rentals and property management continue to evolve?In this episode, we sit down with Pierre-Camille Hamana, CEO of Hospitable, for a candid conversation about where the hospitality industry is headed and what hosts need to be thinking about right now. We dive into real-world strategies around automating guest communication, using dynamic pricing to maximize revenue, navigating tax remittance across multiple states, and how Hospitable's unique Host Token program is designed to better align the platform with the hosts who rely on it every day. Whether you're brand new to hosting or managing a growing portfolio, this conversation offers practical insights and forward-thinking ideas to help you stand out, scale with confidence, and build a more resilient hospitality business.Things we discussed in this episode:The changing rules of hospitality and the evolving role of Airbnb hosts.How direct bookings provide control and value for short-term rental owners.Hospitable's role in automating communications and professionalizing operations.Dynamic pricing: its adoption, challenges, and the resulting revenue increase for hosts.Market observations from 2025, especially post-pandemic supply/demand shifts.Integrations with platforms like Airbnb and booking.com to streamline property management.The convenience and professionalism of Hospitable's direct booking platform.Tax remittance complexities and Hospitable's efforts to handle them for hosts.The Host Token program, allowing customers to invest in and have a stake in Hospitable.Future priorities: expanding integrations, internationalization, and continuing innovation to serve hosts better.Get in touch with Pierre:Linkedin - ⁠⁠⁠⁠⁠https://www.linkedin.com/in/pchamana/⁠Website - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://hospitable.com/#SmartStayShow #realestate #realestateinvestor #realestateagent #RealEstateInvesting #ShortTermRentals #HospitalityTrends #DirectBooking #PropertyManagement #DynamicPricing #HostLife #RentalInnovation #VacationRental #Hospitable #STRsuccessFollow Us!Join Jason Muth of Prideaway Stays and Straightforward Short-Term Rentals and Real Estate Attorney / Broker Rory Gill for the first episode of SmartStay Show!Following and subscribing to SmartStay Show not only ensures that you'll get instant updates whenever we release a new episode, but it also helps us reach more people who could benefit from the valuable content that we provide.SmartStay Show ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Website⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Prideaway Stays ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Website⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Straightforward Short-Term Rentals ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Website⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Attorney Rory Gill ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠on LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jason Muth on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

At CES 2026 yesterday, Sony and Honda revealed using crypto technology for its future electric vehicles, planning an on-chain, token-based platform where users earn rewards for participation. Meanwhile the Japanese government is gearing up to to unleash a multi-year long plan to bring crypto adoption into the mainstream using gaming.Guest: Yat Siu - Co-Founder & Chairman, Animoca Brands Animoca Brands website ➜ https://www.animocabrands.com/Follow Yat Siu ➜ https://x.com/ysiu00:00 intro00:09 Crypto Trends00:38 Japan Goes All-In on Crypto01:30 Stablecoins & Stocks Coming02:00 Yat Siu02:20 Sony x Honda Announce Crypto Platform03:18 Self-Driving Crypto Cars05:50 Phase of Hidden Blockchain Features06:46 XREAL Asus Glasses Revealed07:48 Sexy Handheld Gaming08:20 Gaming is a tech driver09:00 AR is now a better experience?10:25 GTA 6 Coming10:52 Japan Crypto Strategy15:38 Bullish 2026 Outlook17:18 Sega "SUPER GAME" in 202618:41 What blockchains will they use?21:26 Sony Japan = Worlds biggest Casino?24:47 Pokémon Announcement Coming in February27:21 Animoca Brands IPO in U.S.28:04 Altcoins Will Outperform Bitcoin28:57 $CURR Marketcap Explained30:28 Best Asian Crypto Company To Invest In31:59 Low Cap Utility Tokens34:58 Animoca = Best Retail Stock for altcoins?35:42 Gaming tokens will surprise everyone in 202638:43 Tom Lee merging with Japan's ETH Treasury?41:22 outro#Crypto #Ethereum #Bitcoin~Japan's Multi-BILLION $ Crypto Master Plan in 2026!♟️Yat Siu ANIMOCA BRANDS

Tax refunds could be up. When will the IRS accept returns in 2026? Sick bald eagle found in Michigan's U.P. with sky-high lead poisoning Is it legal to feed wild animals in Michigan?

Protect Your Retirement with a PHYSICAL Gold and/or Silver IRA https://www.sgtreportgold.com/ CALL( 877) 646-5347 - You Can Trust Noble Gold   As the Somalians (more to the story, stay tuned) openly loot criminal Tim Walz's Minnesota, the Trump base grows more furious by the day. In fact, so much fury is brewing within the base that a TAX revolt is now openly being discussed because what other recourse do the people have when the government does nothing to reign in the corruption? Author Allan Paul Roberts returns to SGT Report to discuss this and much more.   Get the Book HERE! https://globalcollapsebook.com/ Get the podcast HERE: https://rumble.com/TheGlobalistPlan https://old.bitchute.com/video/W65baDQlui1d/

Keith explores why the real goal of building wealth isn't luxury—it's protecting yourself from the emotional and practical pain of money stress.  You'll hear how owning the right kinds of assets can change your lifestyle options over time, and why waiting on the sidelines can quietly erode your financial future. Keith also pulls back the curtain on a major, often overlooked force that has helped keep real estate values resilient for years, and what that means for anyone thinking about adding more property to their portfolio.  Finally, you'll get a sense of the kinds of opportunities and strategies listeners are using right now to move from just getting by to playing to win in their wealth building journey. Episode Page: GetRichEducation.com/587 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com or text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE I'm your host. Keith Weinhold, more important than building wealth is avoiding poverty. It's backed up by research. Learn about a force that constantly gives a boost to real estate values that you probably haven't considered before, and own assets or get left behind. I discuss a plan for doing it today on get rich education.   Speaker 1  0:29   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Corey Coates  1:14   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:30   Welcome to GRE from Dar es Salaam Tanzania to Darlington, South Carolina, and across 188 nations worldwide. I'm Keith Weinhold, and this is get rich education the voice of real estate investing since 2014 and it's a new year, part of the reason why you need to build durable wealth for yourself is actually not to be wealthy. It's really to avoid a lack of wealth. It's in order to pad yourself against poverty. Now, shortly, I want to talk to you more aspirationally if you are or soon plan to make 500k per year or more.    Keith Weinhold  2:15   But first, there are a number of studies that show that beyond a certain level, more wealth barely increases your happiness level. In fact, if you ask many people, they say that doubling their income or doubling their net worth is what they really want, like, that's their goal. Like, in their mind, that's the benchmark in which they've made it. And you know what, when they double their income, though, then they want to double it again. They think that that is the next benchmark. So there can be this endless amount of wanting, because once you've doubled, you just want to keep doubling. But what's really more important is padding against money problems, because if having a little more doesn't change your happiness much, well, it's poverty that can really diminish a level of happiness and fulfillment in your life. So money problems don't just hurt your wallet. They actually hurt your emotions. And this isn't just some motivational poster idea, the statistics are clear. Multiple studies show that when money is scarce, when paying the regular bills feels like a monthly street fight, people report more sadness, more worry and even depression, not just sometimes, but constantly. The reality is that about 71% of Americans say that money is a major source of stress. My gosh, more than seven out of 10. So that's not a fringe category. That's the norm that say money is a major source of stress. Another study found that 42% of adults say money negatively affects their mental health. So close to half of the people walking around you right now feel emotionally beat up by their financial situation, and the gap gets even wider when you compare groups, when people experience serious financial hardship, nearly half, 49% show signs of depression among people without any financial hardship, only about 11% of that group show signs of depression. And Northwestern Mutual did an extensive study on all this. So it's not just a small difference, it's a completely different emotional reality, almost like two separate worlds. To put it plainly. For you, money will not guarantee happiness, but a lack of money can absolutely fuel sadness, and this matters. Because financial confidence isn't just about dollars. It's about dignity. It's about feeling like you're able to breathe, and it's about believing that your future can be bigger than your past. I mean, the research also shows the relationship flows in both directions. Money stress can make mental health worse, and poor mental health can make financial decision making harder. So it's sort of this loop, this cycle. And what breaks the cycle? It's not luck. It's not hoping the economy magically fixes all of its problems. It is going on offense, taking steps that build security instead of surrender, for most people, that turning point comes when they start owning assets, not just paying bills. It comes when money stops being a source of fear and it starts being a tool. Because though we focus on real estate investing here at GRE but ultimately it is a lifestyle improvement show. And before we're done today, I'm going to talk about what you can actionably do to go on offense. Now, what if you already have a higher income, or you expect to make a high income in the near term, if you're earning roughly $500,000 per year or more, and you value time efficiency in making sure that you don't live a rough quality of life. You are on the threshold of a tier that helps ensure that you can avoid some misery. Yes, there is a step change here that can help ensure you have a higher standard of living. Do you know what I might be talking about? Any idea 500k of income is where it begins now. It's only beginning here. At this point, to make sense, where you tilt into starting to fly private instead of flying commercial. Yeah, private flights. Now your situation is going to depend on more than just the income. It's whether or not you're single or you have kids and more, but it's at this income level where you can start to cover a $10,000 flight without biting into your essential living expenses. It's most justifiable when your time savings or your productivity gains translate into real value. I'm talking about things like business deals, meetings and schedules and the benefits of flying privately are pretty significant. Time efficiency is the real superpower here, drive up to the plane, wheels up in minutes. The flexibility is there. You can leave pretty much when you want. You can change your flight plans mid trip if you need to. You get access to smaller airports. That means you can land closer to your final destination and skip big city traffic congestion. You've got privacy and security, no crowds, no TSA stuff. You've got quality of experience, comfort, quiet cabins, custom catering, no competing for overhead bin space. Now even affordable private is still pretty expensive. It is substantially more than first class commercial seats, and I have had limited experience flying private, but at 500k of income, flying private can still feel like a stretch, even though it's doable for you, a more comfortable range is a million dollars or more of annual income, that's when private flights feel much easier to justify for business or lifestyle. Now, with $2 million of annual income or more, most heavy private flyers live here in this range, the $2 million plus income level, they can charter, they can fractionally own, or they can use memberships, all with less stress. When you earn this much, and if you're ultra high net worth, we're talking about $5 million worth of income plus or $20 million worth of net worth plus, well, then private flying is really commonplace. This is where you often have a personal jet, concierge services and flexibility on demand. So as the first episode of the year here, I want to give you some opportunity to dream and goal set. Yeah, you need to stretch out and give space to your aspirations sometimes, and this is a good time to do that, really, though, a more important reason for increasing your income and net worth is that it helps you avoid the discomfort of poverty. But yeah, come on, if nothing else, can you believe that before every commercial flight you have to hear that nonsense about how to inflate a raft if you're. Plane crashes in the water, or you could use your seat as a personal flotation device. Come on your seat. Can't even support your back for a three hour flight. If there's ever been a reason to invest Well, it's so that you never have to hear that stuff again before every flight chase    Keith Weinhold  10:19   last week here on the show, you'll learn more about how stable real estate prices are, why prices have never crashed in your entire life, and also why they can't double in one year. Real Estate is too slow moving 30 days between you making your offer and you closing the deal, that's actually considered pretty fast. In fact, if national home prices ever crash, I will legally change my first name to Fabrice, yes, Fabrice, I would also do that if they doubled in a year. It is almost impossible for either of those things to happen. You learned about how these things have not happened in your entire lifetime on last week's show, yes, even in 2008 in the last 85 years, nominal home prices have risen every single year, except seven of them now. Why is that? Why are the prices of US housing so resilient and just keep going up up up, almost inexorably? Well, it's actually more than just the main well documented reasons that you know about and that we've talked about here. It's about more than these attributes, like population growth, household formation, wage growth, inflation, eroding the currency and land scarcity in desirable areas beyond all of those, one reason that home values just keep going up, up up and are expected to rise again this year is something that We have not discussed yet, and that is government intervention? Yes, in the US and a lot of world places, housing is not a free market. We have a free ish market that sort of comes with training wheels and support animals. Think about how the government helps ensure that home prices stay propped up even through most recessions. We're talking about attributes like ever expanding loan access and mortgage interest deductibility. Then there's depreciation in write offs for investors like us and property tax structures that lag market value when loans have lower down payment requirements or a lowering of credit score requirements and ever expanding loan limits in terms of dollar amounts, well, that increases the demand for those that have the capacity to pay, and it nudges up prices even more incentives, like deducting your mortgage interest in tax depreciation when you don't even have a real expense, but yet you get to write it off anyway. It all heaps on the government driven demand for real estate Now none of these individual things, these government interventions, raise prices overnight, they increase demand structurally. There's evidence that the government is doing even more in recent years to prop up housing demand than they have in the past. This is increasingly a propensity to not let housing fail like it did in 2008 I mean, just look at covid During 2020, and 2021, what a glaring example of how government will prop up home values and not let them fall down if you lost your job during covid. Oh, we'll give you mortgage loan forbearance. That's where you could skip. Oh, just say nine monthly payments, and then you can just tack those nine payments onto the end of your 30 year loan and make those payments decades from now. There was a foreclosure moratorium in effect then too, so you've got forbearance and low rates and stimulus checks and a ban on foreclosures. Well, all of that helped borrowers make payments, and that supported home price growth. There was no fire sailing, really, that could have taken place then, and you will recall that during that time period, in fact, the year 2021 national home prices soared 19% so housing is not a completely free market. You really don't have to look very far to know that. I mean, Fannie Mae and Freddie Mac are both still government sponsored and still in conservatorship. And here's the thing, so far, I've only talked about how government has propped up the demand side. Side of the market. I've only talked about half of it. Don't forget the sometimes unintentional supply restriction the governments induce as well keeping housing supply in check. Well, that helps drive price appreciation. I'm talking about the zoning spaghetti that new homebuilders have to navigate through the permit purgatory, minimum lot sizes that can seem larger than some European countries, environmental reviews that last longer than the movie Avengers. Endgame was that a three hour, two minute movie, all of these roadblocks limit new housing supply that makes it harder to build. So governments provide an ever present tailwind to housing values by both boosting demand and by crimping supply. Government amplifies these forces, sometimes intentionally and sometimes unintentionally, but the result is the same propping up housing values. If all these years since coming out of the Great Recession have shown us anything, and the 2020 pandemic reinforced it, it is to either own assets or get left behind. You've got to own assets or you will be left behind, and that's whether you're trying to stay away from poverty, like I talked about at the top of the show, or whether you're aiming to fly private instead of commercial, something more aspirational, really. That's the lesson I've got more straight ahead here. There will only ever be one get rich education podcast episode 587 and you're listening to it.    Keith Weinhold  16:43   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why? Fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program. When you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre, or send a text. Now it's 1-937-795-8989, yep, text their freedom coach directly again. 1-937-795-8989,   Keith Weinhold  17:54   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Dana Dunford  18:27   this is hemlane's co founder, Dana Dunford. Listen to get rich education with Keith Weinhold, and don't quit your Daydream. You Keith,   Keith Weinhold  18:45   welcome back to get rich Education. I'm your host. Keith Weinhold, we're talking about new angles with respect to how the future belongs to asset owners. Every year, people say, This is my year, but only a few actually take the action to back that up and make it come true. One thing that I've learned is that people love saying, I want an opportunity, but what they really want is certainty. Unfortunately, certainty only shows up after opportunity is gone. History is full of people who walked past moments like this now owning more of an asset like real estate today, and instead they just look and say, Oh, it's probably nothing. Well, what about alternatives? What's your employer's plan for you? I mean, really, what's a typical employer's plan for employees spend 40 years here at this desk, and I guarantee that you'll become moderately comfortable with a nice 401K balance that you can start withdrawing from by the time you're age 65 at which time you'll start paying taxes on it too. So really, that's it. That's their plan for you. Yes, that's their plan for you. Though, as you know, I do not forecast mortgage rates. No one, not one analyst or rating agency, expects mortgage rates to fall substantially any time soon as we look at the real estate landscape, in fact, among 21 different major research groups, which include PNC Bank, Redfin, Moody's, wells, Fargo, the NAR totality, if you average what their forecasts are, one year from now, mortgage rates are expected to be at the same level that they are today, which is about 6.2% if you want to add more assets, prices are probably only going to be higher one year from now. The Fed is involved in QE like behavior again, which resumed last month, that gives the effect of more money printing, and it provides an environment for a continued price run up across not just real estate, but nearly every asset class. Current CPI inflation is 2.7% and long term inflation expectations are elevated. The Fed is cutting rates. The current Fed funds rate is about 3.6% and the President wants the Fed funds rate cut to 1% central banks are stockpiling gold, and the US dollar just had its worst year since 2017 so a lot is lining up to keep supporting housing values. Now, when we zoom out, starting back in 2012 us home prices have now risen 14 years in a row, and the average annual gain since that time is about 6% which is sustainable and close to historic norms. Year after year. Some people keep waiting for the right moment, and meanwhile, the right moment just keeps passing them by. And look, now here's a really interesting way for you to look at things from a long time investor like me, I have bought a wide variety of investment real estate over the years. I bought single family homes to both live in and single family homes to rent out vacant land, agricultural parcels, small apartment buildings and larger apartment buildings on every single one at the time when I purchased it, it was the most that anyone had ever paid for that property in that property's history, and if there were bids and I ended up getting the property, then I was the highest bidder as well. So on. Effectively, every single property purchase of my life, I paid more than anyone ever. And if someone had no understanding of the real estate market. They might think that that sounded bad, like I executed with a poor strategy or a lack of experience or direction, but that's just usually how it works in real estate, with the incessant postulation of almost unceasing appreciation and inflation, and years later, when it was time for me to sell the property, what were those conditions like? What happened then? You guessed it, I sold it for the most that it had ever sold for. So for that next buyer, that was the most then that anyone had ever paid for the property in history, yet again, and if it was a bidding situation, chances are I sold it to the highest bidder. So therefore, that has nothing to do with luck, that has nothing to do with timing, that is simply being an active participant in the real estate market and enjoying the leverage and all the other benefits all the while. So history shows that trying to time things based on market conditions or what you think market conditions are going to be, that does not work. What does work is owning more assets sooner. Every property that you purchase, expect to pay more for it than anyone ever has in that property's history. And then every property that you sell down the road, expect that you're going to sell it for more than what anyone has ever sold it for. Historically, that is normal. Now if your net worth is below $1 million or even below $5 million you really can't play the game not to lose. That's what keeps people stuck. You've got to play to win. The world already has your money. If you want access to it, you have simply got to go out. Out and get it. You play offense now, and you can play defense later, when your financial position is where you want it really and here's a huge insight, more money is lost trying to avoid a downturn than is lost actually being in the market when one finally happens, like I've discussed lately, real estate price downturns are uncommon. Sitting out and waiting is a wealth killer, because even if a downturn does happen, well, if you're already invested, you are positioned for the upturn. You're going to get the full measure of the upturn. That's where the real gains are, and this is where real estate is different. Leverage just keeps working for you. In the background, your 401, k does not do that. There's no leverage beyond maybe a two to one employer match, and then you get taxed when you finally touch the money. Some people like to gamble a little play a prediction market like poly market. Have something in Bitcoin, maybe even have exposure to a risky altcoin. I guess the NFL playoffs start this coming weekend. Some people want to bet on that and have their fun. Maybe even be invested in a high flying tech stock, or even the sp500. These vehicles rarely build wealth when you're actually young enough to enjoy it, because you're probably unleveraged there, you're exposed. You've only got your dollars working for you, not others, and you sure can do some of that day to day stuff. Go on polymarket and bet on when man will first land on Mars or something. Have your fun while the real wealth is built by the quiet, slow moving leverage of your larger real estate portfolio. In the background. Real estate, you can put 20 to 25% down on a 200k income property and control the whole thing. That's what investors are doing with our GRE marketplace properties right now, often in a low cost market like, say, Kansas City or Memphis, say that, for example, you're looking to add four doors this year, four rental units. Now that might take the form of one duplex and two new build Florida single family rentals. Now, with about 250k you can control $1 million of property adding assets this year. And here at GRE our nationwide provider network connects you with the real deals, and our providers often tell us about them before the public knows, for example, the properties where the builder still in this environment buys your rate down to perhaps four and a half percent. That is still happening. And why do the properties that our GRE investment coaches connect you with seem like such good deals at times? Well, there's a few reasons for that. Investor advantage markets just intrinsically have low prices. There's no agent that you have to compensate. It's a direct model that keeps the price down. These providers provide homes in bulk that helps keep the price down. And since we're dealing with investment properties, income producing properties, there are not any of these owner occupied emotions, so you don't get unreasonable sellers that hold out for a high price because there's some sentimental attachment there, or something like that.    Keith Weinhold  28:38   Let me give you three examples of real properties that our GRE investment coaching helps connect you with right now, and this is the place to be entry level homes, because entry level homes are few long term you are going to own a scarce asset that everybody wants. The first one is a brand new build single family rental in Cullman, Alabama. That's right between Birmingham and Huntsville, booming Huntsville. Now this property is currently vacant. However, it's in an A class neighborhood, so good appreciation potential, but less cash flow on this one, the rent is $2,100 the purchase price is 317k Yes, just 317k for this five bed, three bath, 2500 square foot rental, single family home. That's new build. One advantage Alabama has, and why we often have available Alabama properties is that really low property tax in that state you're going to benefit from a low fixed expense ratio over the long term. Alabama, property taxes are well under 1% per year as a percentage of the property value. In fact, at less than 410 Tax of 1% Alabama has the lowest property taxes in the entire continental United States. Only Hawaii has a lower one, where you're going to find a national average of 1% or a little more than 1% the second property is also brand new construction. It is a duplex in Goddard, Kansas, which is outside Wichita, each side of the duplex has three beds, two baths and 1300 68 square feet combined. Rents both sides are $3,500 and the purchase price is 447k and it is leased. Both sides are rented out. You can contact our free investment coaching and scoop up this or one like it today, and I'm looking at pictures of this really good looking new build duplex in the Wichita area. Looks like a two car garage on both sides, really attractive. And again, on these new builds, oftentimes the homebuilder is still buying down your mortgage rate for you, often under 5% the last one I'll mention, and I'm just giving you three samples to help give you an idea here. And if you're listening to this in a few years, you'll probably wish you could purchase these at prices this low. This last one is not new builds. Unfortunately, I can't quickly find the year of construction, but it looks older. It is a Kansas City single family rental, fully renovated. The cash flow numbers are super attractive. $2,100 rent on a purchase price of just $227,500 and free property management for two years is offered here on this renovated Kansas single family rental. Our investment coaching can answer questions about it for you. When something's renovated, you definitely want to see what the scope of work is. And there are also larger properties available. If you're looking to trade up some of your properties with accumulated equity into something else, we can help build an entire portfolio for you, or you might currently be only invested in one market, where we can help you determine what second market might make sense for you based on your time horizon and your own goals. Hey, maybe you've got a private plane in a decade kind of goal, or maybe we'll help you find out that adding more property does not make sense for you at this time in your situation, even though the opportunities are pretty good right now, because compared to two years ago, the inventory to select from is wider today, And the mortgage rates are lower now too GRE investment coaches are your free trusted advisors. It's like having a silent partner on your deal, someone who gives you insight but doesn't take any equity. There's no compensation for you to provide at all. It's about your portfolio, your goals and your direction. And our coaches also help you with services related to managing your real estate assets long term, like your tax and CPA questions, legal questions, though, that's pretty limited, because we're not attorneys here. For example, what happens if you have an appraisal surprise and the appraisal comes in lower than the amount that you've contracted to buy a property for, we help you with something like that, any inventory issues or inspection issues and property management guidance that you might need. In fact, if you've engaged with our free investment coaching in the past, even a few years ago, and we helped you find a property and say, now you have some sort of property management issue. Let us know. Keep in touch with your GRE investment coach. You tell someone like Naresh here, and he will step in. And when you set up a time to chat, which you can do at greinvestmentcoach.com There's really nothing special that you need to do to prepare if you can bring a 20% down payment. Now the ball is already rolling, and in today's environment with closing costs, that's usually about a 50k minimum. It helps if you're pre approved for a mortgage loan with Ridge lending group, or whomever your lender of choice is. What's interesting is that these deals are good. These are real estate pays five ways, properties that our coaches help connect you with. So sometimes we are buying these properties ourselves here at GRE. We have in the past, but there is no way we can buy them all, not even close. That means that an opportunity remains for you. Yes, we are real estate investors ourselves here at GRE, right now, there are better properties available than ones that we've bought ourselves recently, and there is more overall selection too. You can easily see the coach's calendar, select a time and then have a phone call or a zoom chat, whatever you like. If. From there. Our coaches usually give you their phone number, so then later, you can even text them. Our coach, Naresh, he responded to someone on Thanksgiving. That's the level of dedication here. So here's the next step. Book a time at GREinvestmentcoach.com you can do that now. That's where the calendar lives. There's no back and forth. Just pick a time right there that works. It's Free. Select a 30 minute time slot, and lately they've been available seven days a week. And you're going to walk away with clarity on your goals, your timeline and what's realistic for you, if you're tired of watching from the sidelines, tired of trying not to lose, tired of waiting for perfect conditions, and conditions are never perfect, well, this is your moment to play to win. It's pretty easy to remember to connect with a GRE investment coach. Visit greinvestmentcoach.com Until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 2  36:10   Nothing on this show should be considered specific personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively.   Keith Weinhold  36:38   The preceding program was brought to you by your home for wealth building, get richeducation.com  

4pm: CBS News unveils their new marching orders // A lost generation of news consumers? Survey shows teenagers dislike the news // Conservatives Hit the Roof Over Mamdani’s Inauguration Day Vow to Bring ‘The Warmth of Collectivism’ to NYC // Mamdani Supporters Chant ‘Tax the Rich’ as Bernie Sanders Speaks // John’s New Years Day Cold Plunge // Talking Sports With Ry // Seahawks-49ers tilt has chance to reignite rivalry: ‘Everything is on the line’ // Seahawks emerge as betting favorite for Super Bowl // The overblown reaction to John’s upcoming facelift

6pm: CBS News unveils their new marching orders // A lost generation of news consumers? Survey shows teenagers dislike the news // Conservatives Hit the Roof Over Mamdani’s Inauguration Day Vow to Bring ‘The Warmth of Collectivism’ to NYC // Mamdani Supporters Chant ‘Tax the Rich’ as Bernie Sanders Speaks // John’s New Years Day Cold Plunge // Talking Sports With Ry // Seahawks-49ers tilt has chance to reignite rivalry: ‘Everything is on the line’ // Seahawks emerge as betting favorite for Super Bowl // The overblown reaction to John’s upcoming facelift

Welcome to the first episode of 2026.In this episode of The Weekly Wealth Podcast, Certified Financial Planner™ David Chudyk shares 25 powerful lessons from 2025—lessons learned from working closely with business owners, high earners, and high‑net‑worth families.These lessons span three critical areas:• Business ownership & leadership• Personal finance & investing• Life, health, and perspectiveThis episode is designed to help you think better, behave better, and ultimately make better financial decisions in 2026 and beyond.SECTION 1: 8 LESSONS FOR BUSINESS OWNERS1. Profit is not a dirty word—it's the purpose of business.2. Your business should survive if you disappear for 30 days.3. Complexity is the enemy of scale.4. Growth requires daily discomfort.5. Many businesses underprice their value.6. You can't be everything to everyone—find your niche.7. Core values should be written, shared, and lived.8. Learn to say: “That's not my job anymore.”SECTION 2: 9 PERSONAL FINANCE & INVESTING LESSONS• Many millionaires don't look wealthy.• Financial margin matters.• Wealth is built through boring consistency.• Concentration can create wealth; diversification preserves it.• Know what you own, why you own it, and when you'll sell.• Risk management matters more than chasing returns.• Roth vs pre‑tax decisions matter.• Tax preparation is not tax planning.• Estate planning can't wait.SECTION 3: 8 LIFE LESSONS• Be a decent person.• Let go of what you can't control.• Calories add up—health matters.• Find an exercise plan you'll stick with.• Surround yourself with great people.• Avoid patterns that keep people stuck.• Choose empathy over judgment.• Faith, gratitude, and perspective matter.BONUS SEGMENTFocus on activities, not outcomes.You control the activity. Results take care of themselves.CALL TO ACTIONBook your 10‑Minute Wealth Vision Call:https://weeklywealthpodcast.com/visionDISCLAIMERThe information contained herein is for informational purposes only and should not be construed as an offer to buy or sell any security. Past performance is not indicative of future results.

Can you believe it's 2026 already?? Ready or not here we go! In this episode, I'm sharing the updated tax brackets, standard deductions, capital gains brackets, IRMAA brackets, provisional income brackets, and more.

Alicia and Dan kick off 2026 by diving into 27 pages of notes from Intuit Connect's Innovation Circle. They break down upcoming changes to bank feeds (including confidence indicators and MasterCard receipt capture), the new payroll agent that handles timesheets via text message, enhanced tax impoundment processes, and Intuit Intelligence's business analytics features. Most innovations are rolling out between spring 2026 and early 2027, with some already appearing in testing.SponsorsUNC - https://uqb.promo/unc(00:00) - Welcome to The Unofficial QuickBooks Accountants Podcast (00:48) - QuickBooks Online Innovations (01:44) - Bank Feed Enhancements (06:56) - Client Requests and MasterCard Integration (18:27) - Operational Software Hurdles Removed (19:27) - Text-Based Payroll Management (22:00) - Document Management and Employee Onboarding (28:12) - Tax Impounding and Auto Filing (35:02) - Intuit Intelligence and Business Analytics (42:46) - Upcoming Classes and Events LINKSAlicia's upcoming classes: 1099s in QBO, Jan 6: http://royl.ws/QBO1099?affiliate=5393907QBO Year-end Cleanup for Taxes, Jan 13: http://royl.ws/yearend?affiliate=5393907Connect with DanSchoolofbookkeeping YouTube: https://snip.ly/SOBYT Free Live Workshop Wednesdays: https://www.schoolofbookkeeping.com/workshop-wednesdayQB Power Hour Webinar 1099 Strategies: Is QB Enough? - https://www.qbpowerhour.com/ 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 

Renue Healthcare https://Renue.Healthcare/ToddYour journey to a better life starts at Renue Healthcare. Visit https://Renue.Healthcare/Todd Bulwark Capital https://KnowYourRiskPodcast.comBe confident in your portfolio with Bulwark! Schedule your free Know Your Risk Portfolio review. Go to KnowYourRiskPodcast.com today. Alan's Soaps https://www.AlansArtisanSoaps.comUse coupon code TODD to save an additional 10% off the bundle price.Bonefrog https://BonefrogCoffee.com/ToddThe new GOLDEN AGE is here!  Use code TODD at checkout to receive 10% off your first purchase and 15% on subscriptions.LISTEN and SUBSCRIBE at:The Todd Herman Show - Podcast - Apple PodcastsThe Todd Herman Show | Podcast on SpotifyWATCH and SUBSCRIBE at: Todd Herman - The Todd Herman Show - YouTubeEconomic Self-Annihilation in Three Stories // Somali Fraud Is a Franchise // Is JD Vance Correct about The Fruits of Being a Christian Man?Episode Links:Our tax system is way too regressive. Let's use resources from a Millionaires' Tax to provide tax credits for Washingtonians and make sure small business owners pay less in taxes.Treasury Sec Scott Bessent says he's tracking that money that was stolen by Somali's in Minnesota. Some of the stolen money went directly into the campaign coffers of Ilhan Omar. James Comer has Whistle-blowers who say Tim Walz & Keith Ellison ignored itGERMANY: Germany demolished its most modern coal plant, only 6 years old, after spending €3B to build 1,650MW of capacity, as its economy falters. China is building 2 coal plants every week while the West dismantles its own energy backbone.OMG. Massachusetts caseworker EXPOSES widespread Somali daycare fraud happening in her state. “When I had an appointment to service a child who went to a daycare that received a voucher, I was NEVER let in 100% of the time.” - The fraud is EVERYWHEREWow. @choeshow and @camhigby visited a Somali daycare in Seattle that receives hundreds of thousands in taxpayers funds. The person who answered the bell said there was no daycare there in the past or present. JD Vance at Freedom Fest, 2025 via FOX News

David McKnight addresses a brand new proposal that could transform the way Americans use Roth IRAs and Roth 401(k) – and that could have serious implications for your retirement flexibility, liquidity, and long-term tax strategy. With the current status quo, if a person has money in a 401(k) or even a Roth 401(k), they can usually roll it out into an IRA when they retire or leave their job. However, money can't roll the other direction: you can't take a Roth IRA and move it into a Roth 401(k)... A new bipartisan bill introduced by Republican Representative Darin LaHood and Democrat Representative Linda Sánchez aims to change that. Under this proposal, you could roll your Roth IRA into an employer-sponsored Roth account like a Roth 401(k), a Roth 403(b) or even a Roth 457 plan. This change could mean less paperwork, potentially lower fees, and a simpler investment picture. David cites simplicity, cost and protection as a few of the reasons why lawmakers may want this bill to pass. One of the incentives for Washington may have to do with the fact that encouraging people to use Roth accounts – which are taxed up front – can generate more short-term tax revenue for the government. Everything isn't as good as it seems, though. David lists a few of the trade-offs involved with this potential change. Firstly, loss of control. When your money is in a Roth IRA, you can invest it wherever you want: Index funds, EFTs, individual stocks, and more. With an employer plan, your investment menu would be limited by the options the plan administrator offers. The so-called Five-Year Rule is another aspect worth considering. Typically, every Roth account has to be open for at least five years or until 59 ½, whichever is later, before earnings can be withdrawn tax-free.  Here's the tricky part: Each different kind of Roth account has its own five-year clock. This could turn into a logistical nightmare for plan administrators. David shares some final considerations regarding who would benefit and who may get negatively affected by the proposed bill and points out that "Not all Roths are created equal."     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 Darin LaHood Linda Sánchez Employment Retirement Income Security Act (ERISA)

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.

Paul Barron and David Kemmerer unpack the seismic shift coming to cryptocurrency taxation with the introduction of the 1099 DA form for the 2025 tax year. As brokers begin reporting crypto transactions on a per-wallet basis, investors face both new compliance challenges and strategic opportunities—from leveraging tax-loss harvesting to offset gains (with no wash-sale rule restrictions, unlike traditional securities) to understanding how DeFi yields are treated as ordinary income while crypto-backed loans remain non-taxable events. The discussion cuts through the confusion surrounding capital gains reporting, warns against the pitfalls of overreporting due to misunderstood 1099 forms, and offers practical guidance on everything from disposing of worthless tokens to utilizing carry-forward losses indefinitely, making it a must-listen for anyone navigating the increasingly complex regulatory landscape of digital asset investing.~ Looking for the best tax havens for Crypto? Free Month with iTrust Capital ➜ Use PROMO CODE - PAUL BARRON https://rebrand.ly/PAULBARRON00:00 - Introduction to Tax Strategies for Crypto02:03 - Understanding the 1099 DA and Wallet Reporting04:00 - Crypto Catalyst for 202611:01 - Navigating Capital Gains and Losses19:52 - Crypto Catalyst + DeFi and Tax Implications27:58 - Tax Planning for 2026 and Beyond⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺Become a supporter of this podcast: https://www.spreaker.com/podcast/the-paul-barron-crypto-show--4747781/support.Join our community!Barron Market Edge (FREE)➜ https://www.paulbarronnetwork.com/barron-market-edge-signupPrivate Telegram Group (FREE) ➜ https://t.me/+nISqoMxrok40NTcxSubscribe on YouTube ✅ https://bit.ly/PBNYoutubeSubscribeX/Twitter

This episode is packed with inspiration and practical advice for entrepreneurs ready to invest in their well-being and become the best version of themselves.Welcome to another episode of the Empowering Entrepreneurs podcast! In this edition, hosts Glenn Harper and Julie Smith sit down with Dr. Will Haas, the founder and CEO of VIVE Wellness. Dr. Haas is no ordinary physician—he brings a unique blend of expertise with both an MD and an MBA, combining deep medical knowledge with sharp business acumen.With a dynamic background as a competitive athlete and a relentless curiosity for optimizing human health, Dr. Haas has dedicated his career to treating the root causes of illness rather than just addressing symptoms. Growing up watching Olympic heroes and learning the value of hard work from his academic parents, he forged his own path—one that challenges the norms of traditional Western medicine.In this conversation, Dr. Haas shares his entrepreneurial journey, from personal training and athletic coaching in college to pivoting away from conventional medicine's “treat the symptom” approach. He explains his bio regenesis method and how he tailors cutting-edge wellness strategies for high-performing entrepreneurs whose drive and energy often come at the expense of their health.Moments03:05 Body Fat Increase Warning Signals07:58 Balancing School, Work, and Athletics12:40 "Discovering a Passion for Wellness"16:51 Triathlete Turned Trainer Insights19:19 Cycling: Clarity and Peace Time23:01 "Holistic Approach to Helping Others"26:28 Disenchantment with Conventional Medicine28:07 "Balancing Success and Well-being"33:39 "Achieving Pain Relief and Performance"36:12 "Relentless Curiosity for Optimization"This episode is brought to you by PureTax, LLC. Tax preparation services without the pressure. When all you need is to get your tax return done, take the stress out of tax season by working with a firm that has simplified the process and the pricing. Find out more about how we started.Here are 3 KEY TAKEAWAYS for anyone looking to drive both their business and personal wellness:Treat the Cause, Not the Symptom: Dr. Haas explains how most issues stem from underlying cellular dysfunctions, emphasizing the importance of advanced testing and a personalized approach.Don't Ignore the Foundation: Entrepreneurs often chase flashy wellness trends (like peptides or high-tech therapies) but overlook basic detox and repair systems. According to Dr. Haas, true health optimization starts here.Success Requires Self-Maintenance: One of the biggest traps for high achievers? Sacrificing healthy habits as things grow. Maintaining structure with nutrition, recovery, and mindset is crucial not just for business, but for lifelong energy and fulfillment.Running a business doesn't have to run your life.Without a business partner who holds you accountable, it's easy to be so busy ‘doing' business that you don't have the right strategy to grow your business.Stop letting your business run you. At Harper & Co CPA Plus, we know that you want to be empowered to build the lifestyle you envision. In order to do that you need a clear path to follow for successOur clients enjoy a proactive partnership with us. Schedule a consultation with us...

Brian Skrobonja closes out the year with a milestone episode that marks the final episode of 2025 and the conclusion of this version of the show. He shares the gratitude he feels for the listeners who have supported the mission, the team whose work brought each idea to life, and the recognition the podcast received from Forbes as one of the top shows by financial advisors. Tune in to hear Brian reflect on why he started this podcast, how the mission has been accomplished, and why this moment isn't an ending but the beginning of a bigger vision that will unfold in 2026. He also shares the three core truths that can reshape your financial future if you're ready to take them to heart and take action. Brian reveals that today's episode is a meaningful milestone. It closes out the year and marks the end of this version of the show. He takes a moment to thank the listeners, the production team, and Forbes for recognizing the podcast among the top in the industry. He reflects on why he started the podcast in the first place: To cut through the constant misinformation about money and share the strategies his team uses to help people achieve real financial results. Looking back, he believes that mission has been accomplished.  Brian makes it clear that this is not an ending but a transition into something bigger. He shares that a complete rebrand and new platform will be announced in 2026, designed to serve listeners at a much higher level. Before signing off, he leaves the audience with three core truths that can transform their financial future. Truth #1: Not all financial advisors are the same. Some sell products, while others build full plans that protect your assets and future. Learn how to spot the difference so your plan always comes first. Truth #2: Chasing interest rates won't make you wealthy. True financial success is about outcomes, not chasing quick wins. When your plan dictates the strategy, your money finally works for your life. Truth #3: Stop procrastinating. According to Brian, waiting for the perfect moment or strategy only delays your security and peace of mind. Taking action now, even imperfectly, moves you toward real results and freedom. Brian explains how a real financial plan protects more than your investments. It covers taxes, estate planning, long-term care, Social Security timing, and income planning. With a holistic plan, you stop guessing and start living with security and clarity. Learn why a plan comes before products. Products like stocks or insurance aren't your strategy, they are tools your plan uses to achieve your goals. When you focus on planning first, every financial move has purpose and impact. Brian reveals how to choose the right financial advisor. Look for someone who brings tax, legal, and comprehensive planning expertise to the table. The right advisor helps you use your money to build the life you want. For Brian, the secret to building wealth is taking imperfect action. Waiting for the perfect strategy or market conditions rarely works. Brian shows how moving forward, even with small steps, creates momentum and confidence.  Brian explains why financial clarity beats short-term gains. Rates of return and interest are important, but they don't define success. Outcomes, security, and a plan that fits your life always win in the long term. Even as this podcast chapter closes, bigger opportunities and tools are coming to serve you at a higher level.     Mentioned in this episode: BrianSkrobonja.com SkrobonjaFinancial.com SkrobonjaWealth.com BUILDbanking.com Common Sense Financial Podcast on YouTube  Common Sense Financial Podcast on Spotify     Alternative investments may be subject to less regulation than other types of pooled investment vehicles. Alternative Investments may impose significant fees, including incentive fees that are based upon a percentage of the realized and unrealized gains and an individual's net returns may differ significantly from actual returns. Such fees may offset all or a significant portion of such Alternative Investment's trading profits. Incorporating alternative investments into a portfolio presents the opportunity for significant losses including in some cases, losses which exceed the principal amount invested. Also, some alternative investments have experienced periods of extreme volatility and in general, are not suitable for all investors. Asset allocation and diversification strategies do not ensure profit or protect against loss in declining markets ---- BUILD Banking™ is a DBA of Skrobonja Insurance Services, LLC. Benefits and guarantees are based on the claims paying ability of the insurance company. Not FDIC insured. Results may vary. Any descriptions involving life insurance policies and its use as an alternative form of financing or risk management techniques are provided for illustration purposes only, will not apply in all situations, may not be fully indicative of any present or future investments, and may be changed at the discretion of the insurance carrier, General Partner and/or Manager and are not intended to reflect guarantees on securities performance. The term BUILD Banking™, private banking alternatives or specially designed life insurance contracts (SDLIC) are not meant to insinuate that the issuer is creating a real bank for its clients or communicating that life insurance companies are the same as traditional banking institutions. This material is educational in nature and should not be deemed as a solicitation of any specific product or service. BUILD Banking™ is offered by Skrobonja Insurance Services, LLC only and is not offered by Madison Avenue Securities, LLC. nor Skrobonja Wealth Management, LLC. ---- This content is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation. Skrobonja Financial Group, LLC, Skrobonja Insurance Services, LLC, Skrobonja Wealth Management, LLC are not permitted to offer and no statement made during this presentation shall constitute tax or legal advice. Our firms are not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Skrobonja Financial Group, LLC, Skrobonja Insurance Services, LLC, Skrobonja Wealth Management, LLC. ---- Securities offered only by duly registered individuals through Madison Avenue Securities, LLC. (MAS), Member FINRA &SIPC. Advisory services offered only by duly registered individuals through Skrobonja Wealth Management (SWM), a registered investment advisor. Tax services offered only through Skrobonja Tax Consulting. MAS does not offer Build Banking or tax advice. Skrobonja Financial Group, LLC, Skrobonja Wealth Management, LLC, Skrobonja Insurance Services, LLC, Skrobonja Tax Consulting, and Build Banking are not affiliated with MAS. Skrobonja Wealth Management, LLC is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Skrobonja Wealth Management, LLC and its representatives are properly licensed or exempt from licensure. The firm is a registered investment adviser with the state of Missouri, and may only transact business with residents of those states, or residents of other states where otherwise legally permitted subject to exemption or exclusion from registration requirements. Registration with the United States Securities and Exchange Commission or any state securities authority does not imply a certain level of skill or training. Skrobonja Wealth Management has no ownership interest, compensation arrangement, revenue-sharing agreement, or other economic relationship with Veta Investment Partners. We may allocate a portion of a client's portfolio to strategies managed by Veta Investment Partners when we determine that the allocation is appropriate for the client's objectives, risk tolerance, and overall portfolio design. Our selection of Veta's strategies is based solely on the merits of the investment and the needs of the client, and not on any financial relationship between our firms.

Mastering MACRS Depreciation: A Deep Dive into Tax EfficiencyThis conversation delves into the complexities of business taxation, focusing on property deductions and the rules governing depreciation under the Modified Accelerated Cost Recovery System (MACRS). The discussion covers foundational concepts, tax benefits, qualifying criteria for depreciation, the mechanics of MACRS, immediate expensing options like Section 179 and bonus depreciation, and the implications of listed property rules. The conversation concludes with a reflection on the balance between incentivizing business investment and ensuring compliance with tax regulations.Imagine you're a business owner, navigating the complex world of taxation. You've just invested in new equipment, and the question looms: how do you maximize your tax benefits? Welcome to the world of MACRS depreciation, a cornerstone of business tax strategy.Understanding Depreciation: Depreciation isn't just a theoretical exercise; it's a structured calculation that can significantly impact your tax liability. The Modified Accelerated Cost Recovery System (MACRS) is the IRS's method for depreciating property, allowing businesses to recover the cost of assets over time. This system is crucial for anyone involved in business taxation, as it dictates how and when you can deduct the cost of your assets.Key Concepts:Property Qualification: Not all assets qualify for depreciation. To be depreciable, property must be used in a trade or business and have a determinable useful life. Land, for instance, is never depreciable because it theoretically lasts forever.Depreciation Systems: MACRS offers two primary systems: the General Depreciation System (GDS) and the Alternative Depreciation System (ADS). GDS is the default, offering faster recovery periods, while ADS is slower and often mandatory for certain property types.Section 179 and Bonus Depreciation: These provisions allow for immediate expensing of certain property, providing significant upfront tax benefits. However, they come with limitations, such as the business income limitation and specific caps for vehicles.Listed Property and Recapture: Assets like cars and computers, which can be used for both business and personal purposes, are subject to stricter rules. Failing to meet the business use test can lead to recapture, where previously claimed deductions are added back to income.Mastering MACRS depreciation is about understanding the interplay between qualification, calculation, and limitation. It's a critical skill for optimizing tax efficiency and ensuring compliance. As you navigate these rules, remember that the goal is to balance maximizing deductions with adhering to IRS regulations.Subscribe now to stay updated on the latest tax strategies and insights.TakeawaysDepreciation is a multi-step calculation that requires precision.Tax benefits are categorized into exclusions, deductions, and credits.Land is not depreciable, but land improvements can be under certain conditions.The IRS scrutinizes the overall pattern of asset use for tax purposes.Basis must be adjusted for allowed or allowable depreciation, impacting future gains.The Lesser Of Rule caps depreciation for converted personal property.GDS allows for faster recovery periods compared to ADS.Section 179 provides immediate expensing options but has strict limits.Failing the 50% QBU test results in severe tax consequences.Recapture rules enforce compliance by reclaiming excess depreciation.business taxation, depreciation, MACRS, tax benefits, Section 179, bonus depreciation, listed property, tax compliance, IRS rules, property deductions

It's the final day of the tax year. Dr. Friday lays out what still counts for 2025—and what no longer does if the transaction hasn't closed. Transcript G’day. I’m Dr. Friday, president of Dr. Friday’s Tax and Financial Firm. To get more info, go to www.drfriday.com. This is a one-minute moment. I’m Dr. Friday, an enrolled agent licensed by the Internal Revenue Service to do taxes and representation. You’re gonna need someone to be doing taxes in just a day or two because—you know what—we’re at the end of the year. So anything that you’ve done for 2025 had better have been finished up. If you were doing conversions, if you were buying that truck to save tax dollars, it better have closed, because at this point most people do their taxes on the cash basis. Meaning if it didn’t happen by today, it’s not going to happen for the tax year of 2025. If you’ve got questions, or you haven’t done any tax planning and need some help with that—or just help with the tax preparation—give us a call at 615-367-0819. You can catch the Dr. Friday Call-in Show live every Saturday afternoon from 2 to 3 p.m. right here on 99.7 WTN.

As the year crawls to a close, Don and Tom torch the ritual of “New Year, New You” financial advice and take aim at the endless lists of five things you must do next year. They break down why year-end deadlines are mostly psychological theater, why prediction-based investing is a sucker's game, and how even AI—when pressed—admits the truth: diversification beats cleverness, patience beats prediction, and complexity usually hides higher costs and worse outcomes. Along the way, they tackle 529 plans, proposed “Trump accounts,” Roth strategies for kids and retirees, factor investing myths, and the ongoing media obsession with whatever already went up last year. It's a holiday episode for skeptics, cynics, and anyone tired of being told that this is finally the year everything changes. 0:04 Holiday cynicism, snow, trees plotting revenge, and Don declares war on Pollyanna finance 1:19 Year-end obsession: why December 31 is an arbitrary psychological trap 2:29 Why “five things to do in the new year” articles exist—and why they're mostly nonsense 3:55 Asking AI for financial advice and accidentally getting decent answers 4:18 Don's AI delivers brutal honesty: complexity isn't sophistication, it's camouflage 5:54 The most dangerous question of all: “What should I invest in next year?” 6:06 Everyone's favorite prediction: AI stocks (again), and why that's backward logic 6:29 The real answer: globally diversified equities, patiently held and largely ignored 8:07 Motley Fool, Morningstar, defense stocks, and the annual prediction circus 9:29 AI's final verdict: everything after diversification is garnish people argue about on TV 10:33 Listener Brian on New York 529 plans, state tax deductions, and Roth rollover flexibility 11:30 How aggressive is too aggressive for a child's college savings? 12:45 Why age-based 529 portfolios are often far more conservative than parents realize 14:10 When college money should actually shift to safety—and when it shouldn't 15:43 The mysterious “Trump accounts”: proposed rules, confusion, and missing details 16:56 Tax treatment uncertainty, Roth myths, and why free money is still free money 18:39 Clear conclusion: this account doesn't exist yet and nobody knows the real rules 20:05 Don's full rant: pandering policies, financial clutter, and unnecessary complexity 22:07 Listener Larry on starting a Roth IRA for a 19-year-old with a one-fund solution 22:47 AVGE explained: global, factor-tilted, low-cost, and boring in the best way 24:15 AVGE vs. Vanguard Total World: interest vs. necessity 25:26 AVGE underperformance criticism and why one-year returns are meaningless 28:26 Why Avantis funds aren't trying to “pick winners” and never claimed to 31:32 Listener Caroline on retirement withdrawals, IRAs, Roths, and tax reality 33:11 The unavoidable truth: you'll pay taxes—now or later 35:43 How (and where) listeners can actually rate the show 38:01 Politics, labels, John Oliver, and why nuance is apparently illegal now 38:54 Capitalism, fairness, and refusing ideological purity tests Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Season 2 finale, Justin asks: 'What's next for the Surprising Rebirth?'When the podcast series launched in 2023, many were skeptical of a 'Surprising Rebirth'. However, two years later, some say statistical evidence is pointing towards a 'Quiet Revival'. But there has been pushback too... Justin interrogates the data, hearing objections and responses from sociologist David Voas and Bible Society researcher Rhiannon McAleer.Peter Dray of IFES charts Gen Z spirituality, while podcaster Elizabeth Oldfield and journalist James Marriott discuss the rise of 'Full Fat Faith' converts. Australian church leader Mark Sayers and British MP Danny Kruger also tackle the vexed question of whether far right politics is co-opting Christianity as the search for a better story continues. More info, book & newsletter: https://justinbrierley.com/surprisingrebirth/ Support via Patreon for early access to new episodes and bonus content: https://www.patreon.com/justinbrierley/membership Support via Tax-deductible (USA) and get the same perks: https://defendersmedia.com/portfolio/justin-brierley/ Give a one-off gift via PayPal: https://www.paypal.com/paypalme/brierleyjustin Buy the book or get a signed copy: https://justinbrierley.com/the-surprising-rebirth-of-belief-in-god/ Got feedback? Share it with us by emailing: feedback@think.faith Ep 30 show notes: https://justinbrierley.com/surprisingrebirth/season-2-episode-30-is-the-rebirth-real The Surprising Rebirth of Belief in God is a production of Think Faith in partnership with Genexis, and support from The Jerusalem Trust. Learn more about your ad choices. Visit podcastchoices.com/adchoices

If you're 50+ and making catching catch-up contributions to your employer 401k plan, this episode is for you. In 2026, you might have to change how you save to your employer plan if you earn to much money. In this episode, I share what you need to know about these new rules and how you can save with intention.

Missouri State Senator Joe Nicola speaks with Kim St. Onge on the latest developments surrounding Missouri's personal property tax, outlining who could benefit — and who could pay more — under potential reforms.

For the last episode of 2025, get to know Abrigo's CTO, Ravi Nemalikanti, as he talks about his AI philosophy at Amazon's AWS Re:Invent conference. Listen in to learn about the metrics Abrigo considers when making decisions about machine learning in its solutions, ensuring that those decisions support community banks and credit unions. About the guest: Ravi Nemalikanti is Abrigo's Chief Product and Technology Officer and is responsible for leading technology strategy and determining product and development priorities to drive innovation and increase the company's competitive advantage. Ravi is the Winner of the 2024 Haas Technology Leadership Awardee for North America by Carlyle, an award given to celebrate an exceptional technology leader. Before joining Abrigo in 2022, Ravi was the CTO of Digital Banking at NCR Corp., where he led the organization's digital-first banking technology roadmap. Earlier, he held leadership roles in Tax and accounting, Global Trade, and Risk Management during 14 years at Thomson Reuters. Ravi holds a bachelor's degree in engineering from Andhra University in Andhra Pradesh, India, and an MBA from the University of Chicago's Booth School of Business.Helpful links: AI Hub - AbrigoWebinar: AI strategy for banking: Unlock the most value - Abrigo

With January 31 right around the corner, Dr. Friday reminds business owners and landlords to collect W-9s and file 1099s to avoid costly penalties. Transcript G’day, I’m Dr. Friday, president of Dr. Friday’s Tax and Financial Firm. To get more info, go to www.drfriday.com. This is a one-minute moment. It’s almost the end of the year. We need to make sure our tax documents are in order. Get ready—if you haven’t already put together your list for subcontractors and 1099s, go ahead and get those W-9s out there. We need to get those all out by January 31. Now is the time so you can make sure you have W-9s completed, you know the dollar amounts, you have the information. There are serious fines—$500 for each 1099 you do not issue. So let’s make this year 2026, for the tax year of 2025, the year that we actually file all the proper forms. And again, this isn’t just for people in business. People in real estate rentals also have to do this. 615-367-0819. You can catch the Dr. Friday Call-in Show live every Saturday afternoon from 2 to 3 p.m. right here on 99.7 WTN.

In this post-Christmas edition of Talking Real Money, Don McDonald and Tom Cock dismantle one of the most seductive myths in personal finance: the promise of high returns, no risk, and tax-free income. Using the lawsuit filed by Kyle Busch against Pacific Life as a case study, they expose the dark mechanics of indexed universal life insurance—hidden commissions, opaque costs, fabricated indexes, and returns that quietly disappoint. The episode then pivots to listener questions on diversification mistakes, Roth vs. traditional 401(k)s, late-career pivots into financial advice, ETF selection for retirees, and why doing less with your portfolio almost always beats doing more. 0:04 Post-Christmas welcome, Kyle Busch jokes, and why rich people get fleeced too 1:18 Indexed Universal Life explained (and why it's not an investment) 1:45 The “bank on yourself” fantasy and why it never dies 2:27 $10.5 million in premiums and promises of $800K tax-free income 3:20 Why IULs avoid SEC and FINRA scrutiny entirely 4:21 The sixth premium notice that blew up the deal 4:41 How IULs implode if you stop paying—and why everything can vanish 5:52 “Tax-free income, high returns, no risk” exposed as marketing fiction 6:01 Hidden commissions, alleged 35% payouts, and zero disclosure 7:37 Proprietary indexes designed to benefit insurers, not investors 8:50 Internal Pacific Life doc: “Don't call yourself a financial planner” 9:57 Why consumers can't see costs, commissions, or real returns 11:37 Real-world IUL returns: roughly 3–5% annually 12:23 Why even Kyle Busch doesn't actually need life insurance 13:44 Caveat emptor—and why “Life” in the firm name should trigger alarms 14:03 Listener portfolio question: 60/15/25 isn't diversified 14:53 The S&P 500 isn't “the market” (and seven stocks prove it) 15:54 Simple global solutions vs. portfolio over-engineering 17:11 Podcast tech humor and March seminar tease 17:22 Listener praise—and teaching people how to find podcasts 18:11 2026 seminar date confirmed: March 7 19:23 Career pivot at 53: CFP vs. AFC vs. Series 65 22:02 Why fiduciary firms are hiring—and sales shops are traps 23:22 ETF selection for retirees: growth, risk, and tax efficiency 24:27 Why Morningstar confuses more than it helps 25:07 Dimensional, Avantis, and keeping portfolios simple 26:20 Final thoughts, free fiduciary consults, and year-end wrap Learn more about your ad choices. Visit megaphone.fm/adchoices

Tax lien and tax deed investing sounds simple, until you start asking questions.In this episode, I run through 20 rapid fire questions covering how tax sales work, what trips investors up, how to reduce risk, and what you should actually focus on when getting started.These are the same questions I've answered thousands of times over the years, distilled into one fast-paced, practical episode.Get access to our training and community at http://TaxSaleAcademy.com

This is a bonus episode from a recent webinar Annie and Roger did. Prepare for Tax Season 2026 and the changes brought by the One Big Beautiful Bill Act. Join Federal Tax Updates co-hosts Roger Harris and Annie Schwab for a focused look at the most impactful provisions and what they mean for your clients. They break down the latest IRS updates, highlight the questions firms are already hearing, and share practical advice to help your firm prepare for the year ahead.Roger Harris, EA - https://www.linkedin.com/in/rogerharrispbs/Annie Schwab, CPA - https://www.linkedin.com/in/annie-schwab-852418261/Learn more about Padgett: https://www.padgettadvisors.com/

Retiring after age 65 changes the math and the priorities. You have fewer high-energy years, shorter tax planning windows, and RMDs much closer than most people realize. But you also often have higher Social Security, clearer spending needs, and more flexibility if the plan is built the right way. This episode breaks down how retirement strategy shifts when you retire later. Traditional withdrawal rules are built for 30–40 year retirements. If your timeline is closer to 10–20 years, blindly following those rules can lead to significant underspending and missed opportunities in your healthiest years.Tax strategy becomes more compressed. Roth conversion windows are shorter. Medicare premiums and IRMAA surcharges matter more. Required minimum distributions arrive faster. Planning mistakes are harder to unwind, which makes coordination between income, investments, and taxes far more important.Market risk looks different too. Higher Social Security and other income sources can reduce pressure on your portfolio, even though recovery time after downturns is shorter. The goal is not extreme conservatism. It is matching investments to real cash-flow needs while protecting against inflation and future healthcare costs.The episode also covers survivor planning, charitable giving strategies like QCDs, Medicare surcharge planning, and why prioritizing health becomes one of the highest-return investments you can make when retiring later.Retiring after 65 is not a disadvantage. It simply requires a different plan, tighter execution, and more intentional use of the years that matter most.-Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Strategy ⬇️ Get Started Here.Join the new Root Collective HERE!

Sorry for questionable audio.In the fifteenth year of the reign of Tiberius Caesar, Pontius Pilate being governor of Judea, and Herod being tetrarch of Galilee, and his brother Philip tetrarch of the region of Ituraea and Trachonitis, and Lysanias tetrarch of Abilene, 2 during the high priesthood of Annas and Caiaphas, the word of God came to John the son of Zechariah in the wilderness. 3 And he went into all the region around the Jordan, proclaiming a baptism of repentance for the forgiveness of sins. 4 As it is written in the book of the words of Isaiah the prophet,“The voice of one crying in the wilderness:‘Prepare the way of the Lord,[a]    make his paths straight.5 Every valley shall be filled,    and every mountain and hill shall be made low,and the crooked shall become straight,    and the rough places shall become level ways,6 and all flesh shall see the salvation of God.'”7 He said therefore to the crowds that came out to be baptized by him, “You brood of vipers! Who warned you to flee from the wrath to come? 8 Bear fruits in keeping with repentance. And do not begin to say to yourselves, ‘We have Abraham as our father.' For I tell you, God is able from these stones to raise up children for Abraham. 9 Even now the axe is laid to the root of the trees. Every tree therefore that does not bear good fruit is cut down and thrown into the fire.”10 And the crowds asked him, “What then shall we do?” 11 And he answered them, “Whoever has two tunics[b] is to share with him who has none, and whoever has food is to do likewise.” 12 Tax collectors also came to be baptized and said to him, “Teacher, what shall we do?” 13 And he said to them, “Collect no more than you are authorized to do.” 14 Soldiers also asked him, “And we, what shall we do?” And he said to them, “Do not extort money from anyone by threats or by false accusation, and be content with your wages.”15 As the people were in expectation, and all were questioning in their hearts concerning John, whether he might be the Christ, 16 John answered them all, saying, “I baptize you with water, but he who is mightier than I is coming, the strap of whose sandals I am not worthy to untie. He will baptize you with the Holy Spirit and fire. 17 His winnowing fork is in his hand, to clear his threshing floor and to gather the wheat into his barn, but the chaff he will burn with unquenchable fire.”18 So with many other exhortations he preached good news to the people. 19 But Herod the tetrarch, who had been reproved by him for Herodias, his brother's wife, and for all the evil things that Herod had done, 20 added this to them all, that he locked up John in prison.

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The holiday season inspires generosity, but smart gifting can go far beyond festive moments and gifts under the tree. On the show this week, we're digging into the world of gifting strategies, just in time for the end of 2025. Whether you're navigating last-minute holiday shopping, planning gifts for loved ones, or looking to maximize your charitable donations, this episode is packed with practical advice and fresh ideas.  We break down everything from tax implications of gifting cash, stocks, and even real estate, to making the most of donor-advised funds and qualified charitable distributions to help you balance generosity with smart financial planning, so you can give with both a warm heart and a wise mind. Outline of This Episode 00:00 Balancing gifting and planning. 03:18 Choosing between gifting or inheriting. 09:13 Tax implications of gifting stocks. 11:42 Caution when gifting non-cash assets. 15:17 Tax deductions and SALT limit. 17:29 2026 tax changes for donations. 20:46 Tax benefits of stock donations. 25:00 Qualified charitable distributions explained. 27:30 Tax-efficient inheritance strategies. ***********

Given the long build, GTM, penetration cycles and feedback loops for pre-seed investors and the teams they back, we do not believe at Olive Capital that making annual predictions makes a lot of sense.Hence, here are our 10 PREDICTIONS that we believe will likely unfold by 2040.By 2040, 15 years from now, we at Olive Capital expect "everyday finance" to be rebuilt on invisible web3 rails, "work and creativity" to be reorganized around agent tools, and "privacy-selective disclosure" to be a default expectation in consumer products.​ We propose that year after year, we will be grading the progress made towards these predictions, and even if we keep the option to revisit any of these predictions based on fundamental dynamics shifts we might observe, these 10 foreseen shifts are the ones we have the highest conviction on.What are our 10 predictions for 2040? 1. Mainstream “super wallets” replace checking accounts. 2. Invisible crypto infrastructure in 80% of consumer finance apps. 3. Consumer-grade portfolio management powered by web3 rails becomes default. 4. Tax and reporting engines become real-time. 5. Personal “work agents” handle 30–50% of white-collar tasks. 6. Agent-native platforms become core B2B infrastructure. 7. Creators and solo entrepreneurs run “micro-agency stacks”. 8. Selective disclosure becomes a regulatory and UX norm. 9. User-operated identity and data vaults go mainstream. 10. Consumer apps win by “privacy-first differentiation”. -- Onwards to 2040, and feel free to contact us at Olive Capital if you want to discuss our thesis and share your views.-- The podcasts are authored, edited and produced by Raphael Grieco (raphael-grieco.com | olivecapital.vc).

Should you turn your primary home into a rental property or sell it when you move? It's one of the biggest financial decisions homeowners face, and in this episode, Mindy Jensen and Scott Trench are helping Alyssa and John figure out the answer. This couple is relocating and facing a dilemma: they have a home with a low mortgage rate that could generate rental income, but they're also craving simplicity and wondering if selling would accelerate their path to financial independence. Alyssa and John open up about their complete financial picture, investment portfolio, and long-term FI goals as Scott and Mindy crunch the numbers and weigh the options. This Episode Covers: The financial pros and cons of converting your primary residence into a rental property How to analyze rental property cash flow and return on investment Tax implications of selling vs. renting out your home The impact of low mortgage rates on the rent vs. sell decision Lifestyle considerations: being a long-distance landlord and property management challenges How rental income affects your path to financial independence Real numbers breakdown: Alyssa and John's complete financial analysis Property management costs and whether DIY landlording is worth it How to make smarter real estate decisions during major life transitions And SO much more! Learn more about your ad choices. Visit megaphone.fm/adchoices

The crypto tax situation in DeFi is getting even more complicated in 2025. Guest: Mark J. Kohler, CPA, Senior Partner of KKOS Lawyers, Co-Founder of Directed IRAWebsite ➜ https://markjkohler.com/Certified Tax Advisor Network ➜ https://bit.ly/TaxAdvisorNetworkYoutube ➜ https://www.youtube.com/c/markjkohler00:00 Intro00:35 Crypto holders Are Underwater01:10 Top Crypto Investor Mistakes03:19 Mark Kohler Trifecta03:55 No Special Treatment For Crypto?04:38 Capital Gains Loss Deduction08:03 Staking is Income, But Not Liquid Staked Tokens?09:59 Stablecoin Vault Rewards11:53 Gambling Losses Are Taxed13:24 Polymarket vs Gambling16:21 Law Coming To Lower Crypto Taxes18:35 Tariff Tax Rebate?20:20 Loan on Crypto?23:45 What If Tax Advisor is Crypto-Dumb26:20 outro#Crypto #tax #bitcoinCrypto Tax Hell

Alicia runs through the latest QuickBooks Online updates rolling out this holiday season, from enhanced client request routing in the banking feed to the completely redesigned sales tax center. She covers new time tracking integrations, the text-based payroll agent, modern report improvements, and explains why toggling that sales tax checkbox doesn't actually change product taxability—a common source of reporting discrepancies that trips up many users.SponsorsDigits - https://uqb.promo/digits(00:00) - Welcome to the Christmas Edition (00:59) - QuickBooks Online: New Features and Improvements (01:41) - Account and Settings Updates (02:47) - Banking Feed Enhancements (04:55) - QuickBooks Time Integration (07:04) - Sales Tax Center (17:05) - Modern Reports: New Features (21:03) - Backup and Restore Utility (23:44) - Payroll Agent and Time Tracking (26:25) - Upcoming Classes and Final Thoughts LINKSAlicia's QBO classes related to this episode:Bank Transactions Feed: http://royl.ws/QuickBooks-Online-Banking?affiliate=5393907Sales Tax: http://royl.ws/SalesTax?affiliate=5393907QBO Advanced: http://royl.ws/QBO-Advanced?affiliate=5393907QBO Payroll and QB Time: http://royl.ws/payroll-perfection?affiliate=5393907Alicia's Running Reports for Advisory class: http://royl.ws/Reports?affiliate=5393907Alicia's Advanced Reporting class: http://royl.ws/advanced-reports?affiliate=5393907Rewind for backups: http://royl.ws/RewindAlicia's upcoming classes: 1099s in QBO, Jan 6: http://royl.ws/QBO1099?affiliate=5393907QBO Year-end Cleanup for Taxes, Jan 13: http://royl.ws/yearend?affiliate=5393907We 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 

Should you be buying this precious metal this Christmas? Find out what it is today as we reflect on how instant gratification, social media, and shifting consumer behavior mirror broader economic changes. We also talk practical year-end investing discipline, including portfolio "hygiene," investor psychology alignment, rule-based decision making, and tax-loss harvesting strategies. We explore assesing holdings as if investing fresh today, managing oversized winners and stagnant losers, watching natural market turning points around year-end, while also exploring inflation trends, shrinkflation, housing affordability, and generational cost pressures. We also urge listeners to use the final weeks of the year to review risks, taxes, family financial clarity, and opportunities ahead. Thoughtful preparation, not momentum or emotion, drives long-term investment success. We discuss...  The importance of year-end portfolio assessment, emphasizing reviewing holdings as if investing fresh today to determine alignment with investor psychology. Manage oversized winners, stagnant losers, and follow disciplined, rule-based investment practices rather than ego-driven decisions. Tax-loss harvesting is a key strategy, including the special advantage that crypto is treated as property and not subject to the 30-day wash-sale rule. Monitoring natural market turning points, particularly around year-end, to identify potential buying opportunities in beaten-down assets. Gold's leadership in the rally, silver's sharp recent gains, and the implications of JP Morgan shifting from short to long silver positions. Basel III banking regulations and the possibility of global banks increasing gold holdings if U.S. deficits rise above projected thresholds. Strategies for buying gold and silver, emphasizing buying for weight to minimize premiums and potentially profiting from historical spreads in coin pricing. Have caution with rare coin premiums, only experienced investors should consider numismatic factors, otherwise stick to weight-based purchases. Inflation indicators, using Campbell's Soup can pricing as a proxy for quality-adjusted inflation over decades. Shrinkflation and the rising cost of essentials for younger generations, noting housing, insurance, and other expenses have outpaced wages. Recent trends in housing, including declining new home prices but smaller home sizes, illustrating hidden inflation and cost pressures.   Today's Panelists: Kirk Chisholm | Innovative Wealth Douglas Heagren | Mergent College Advisors Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the show notes at https://moneytreepodcast.com/buying-this-precious-metal-this-christmas-775 

In today's episode, David McKnight breaks down the creditor protection rules for Roth IRAs and Roth 401(k)s, as well as why more and more Americans are turning to tax-free accounts to insulate themselves from creditors… and the Government itself. In theory, under Federal Law, all IRAs traditional or Roths receive a certain level of bankruptcy protection under the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005. However, that protection is specifically tied to bankruptcy proceedings. If you're sued in civil court, the Federal bankruptcy statute doesn't automatically apply, state law takes over… By pointing out differences between states like Texas, Arizona and Florida on one end, and California and Montana on the other, David explains that whether your Roth IRA survives a potential lawsuit intact depends largely on the state in which you reside. Roth 401(k)s play by a different set of rules, as they fall under the 1974 Employee Retirement Income Security Act (ERISA). David notes that "ERISA is the big Federal law that governs most employer-sponsored retirement plans, and it comes with some of the strongest creditor  protection available anywhere in the financial world."  According to David, it's not hard to see why the Federal Government is going to need huge infusions of new revenue in the very near future. Wondering how they will be raising that capital? By targeting the nearly $45 trillion in tax-deferred retirement accounts like IRAs and 401(k). In other words, while your retirement accounts may indeed be largely immune to lawsuits, they're entirely exposed to the impact of rising tax rates. David points out that contributing to 401(k)s or IRAs is like going into a business partnership with the IRS – every year, they get to vote on what percentage of your profits they get to keep. Remember: a well-planned Roth strategy doesn't just shield you from tomorrow's higher tax rates, it can also serve as a fortress protecting your wealth from outside claims.     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 Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 Employee Retirement Income Security Act of 1974 (ERISA)

Steve Forbes lays out some key proposals for President Trump and his economic team to juice the economy in 2026 and give Republicans an edge in the midterm elections.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Former Utah Sen. Mitt Romney has a big idea: Tax the rich! Host Ali Vallarta and executive producer Emily Means explore his pitch and the political shift. Plus, what's in and out for 2026 and joyful shout outs.  Read former Sen. Mitt Romney's New York Times op-ed: "Mitt Romney: Tax the Rich, Like Me"  Become a member of City Cast Salt Lake today! It's the best way to support our work and help make sure we are around for years to come. Get all the details and sign up at membership.citycast.fm. Subscribe to Hey Salt Lake, our daily morning newsletter. You can also find us on Instagram @CityCastSLC. Text or leave us a voicemail with your name and neighborhood, and you might hear it on the show: (801) 203-0137 Looking to advertise on City Cast Salt Lake? Check out our options for podcast and newsletter ads. Learn more about the sponsors of this episode:  Woodward Park City Live Crude - Use code CITYCASTSLC to try CRUDE's Oil Cleansing Starter kit for Free Cozy Earth - use code COZYSALTLAKE for up to 20% off

(0:00) Treasury Secretary Scott Bessent joins the show (0:55) Recapping 2025 and the state of the economy (3:13) Tariffs: Leverage, legal challenges, implementation (15:20) Affordability: inflation, BLS data, interest rates (23:00) The Fed: biggest mistakes, how we got a 15 year asset bubble, rate cycle, appetite for US debt, Fed Chair candidates (42:44) Focus on Main Street, taking equity stakes in American companies (50:40) Tax cuts, Trump accounts, economic legacy Follow Secretary Bessent: https://x.com/SecScottBessent Referenced in the show: https://www.international-economy.com/TIE_Sp25_Bessent.pdf Follow the besties: https://x.com/chamath https://x.com/Jason https://x.com/DavidSacks https://x.com/friedberg Follow on X: https://x.com/theallinpod Follow on Instagram: https://www.instagram.com/theallinpod Follow on TikTok: https://www.tiktok.com/@theallinpod Follow on LinkedIn: https://www.linkedin.com/company/allinpod Intro Music Credit: https://rb.gy/tppkzl https://x.com/yung_spielburg Intro Video Credit: https://x.com/TheZachEffect

On this episode, Shane walks through selections from the first two chapters of Luke's Gospel as he highlights the significance of Jesus' birth and redemptive mission. He also takes time to reflect on the meaning of the numerous Old Testament prophecies and promises that are alluded to throughout Luke's account of the things that have been “fulfilled among us.”SHOW NOTESArticlesDetailed notes for this episode, Shane Rosenthal (coming soon!)Isaiah's Prophecy of the Messiah's Birth, Shane RosenthalThe Bethlehem Prophecy: An Exploration of Micah 5:2, Shane RosenthalJustin Martyr on the Importance of Fulfilled Prophecy, Shane RosenthalProof of the Gospel (PDF), selections from Justin Martyr, Eusebius & AugustineFinding Christ in All of Scripture (PDF), Shane RosenthalWhy Should We Believe The Bible? (PDF), Shane RosenthalIsrael: The Story Behind Jacob's New Name, Shane RosenthalArchaeological Discoveries Related to Nebuchadnezzar II, Shane RosenthalA Pre-70 Date for the Gospels & Acts, Shane RosenthalThe Implications of 70 AD on the Date of the Gospels & Acts, Shane RosenthalThe Date of John's Gospel, Revisited, Shane RosenthalIs Luke a Trustworthy Historian?, Sir William RamsayBooksJesus in the Old Testament, Iain DuguidJourneys with Jesus, Dennis JohnsonEchoes of Exodus: Tracing the Theme of Redemption, Roberts & WilsonThe Angel of the Lord, Matt Foreman & Doug Van DornThe Jewish Gospels, Daniel BoyarinA Handbook on the Jewish Roots of the Gospels, Craig EvansProof of the Gospel, Eusebius of CaesareaLuke's Key Witness, Shane RosenthalAudioChristmas: Legend or History? episode #64The Messiah's Redemptive Mission, episode #72In the Beginning was the Word, episode #75 with John RonningThe Angel of Yahweh, episode #70 with Foreman & Van DornDid The Exodus Ever Happen? episode #69 with David RohlJacob's Ladder, episode #63 with Richard Bauckham and othersBabylon, episode #66 Decoding the Prophecies of Daniel, episode #68 Signs of the Messiah, episode #74 with Andreas KöstenbergerJewish Views of the Messiah, episode #38 with Daniel BoyarinVideoRethinking Luke's Prologue, Shane RosenthalProphecies of The Messiah's Birth, You Can Handle The TruthSupport this Podcast with a Year-End GiftConsider supporting The Humble Skeptic podcast by making a one-time gift or upgrading to a paid subscription via Substack ($5.95 per month, $59 per year). Tax-deductible giving options are also available. Click here for more information. Get full access to The Humble Skeptic at www.humbleskeptic.com/subscribe

Some of the most damaging financial advice doesn't look shady at all. It looks responsible. It looks optimized. And it looks great on a spreadsheet. This episode breaks down one of the most unethical practices James sees in financial planning, not selling high-fee products, but using projections and tax strategies to justify an advisor's fee while ignoring the life those numbers are supposed to support. The problem starts when advisors lead with “value creation” instead of purpose. Tax savings, Roth strategies, and optimized projections can be manipulated to look impressive, especially when spending is kept artificially low and retirement is delayed by default. The math may be correct, but the outcome can quietly cost years of freedom, experiences, and time.Using a real case study, James shows how the same tax strategy looks wildly different once spending actually reflects the life someone wants to live. When travel, generosity, and earlier retirement enter the plan, the projected tax “value” shrinks, not because the strategy is bad, but because the goal changed. That's the point most people miss.This episode reframes what good advice should look like. Financial planning should start with how you want to spend your time, who you want to be with, and what matters most in your life. The tax strategy, investment strategy, and cash-flow plan exist to support that, not replace it.-Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Strategy ⬇️ Get Started Here.Join the new Root Collective HERE!