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Episode Summary In this inspiring episode of WarDocs, we are honored to feature the extraordinary journey of Retired Army Brigadier General Clara Adams-Ender. Rising from humble beginnings as one of ten children born to sharecroppers with limited formal education, she defied expectations to become a trailblazer in military medicine. Her story is a testament to the power of education, resilience, and the relentless pursuit of excellence. Although she initially dreamed of becoming a lawyer, she honored her father's wishes to attend nursing school, a decision that launched a remarkable 34-year career culminating in her service as the 18th Chief of the Army Nurse Corps. BG(R) Adams-Ender shares powerful anecdotes that defined her leadership philosophy, starting with her first assignment as a Second Lieutenant in an ICU. She recounts a tragic incident involving a Marine shot by a friend during horseplay, a moment that taught her the stark difference between "book learning" and the practical responsibilities of an officer to care for the discipline and safety of troops. She also details the grit required to become the first woman to earn the Expert Field Medical Badge (EFMB). Refusing to settle for the lower physical standards set for women at the time, she marched the full 12 miles alongside her male counterparts, proving that competence knows no gender. Throughout the conversation, she emphasizes the evolution of the Army Nurse Corps from a workforce viewed merely as labor to leaders in healthcare policy and administration. She discusses her time as an educator during the Vietnam War, mentoring students facing the draft and ethical dilemmas. General Adams-Ender passionately argues for the necessity of nurses having a "seat at the table" in healthcare leadership, noting that without a voice in policy, the profession cannot control its destiny. As the Army Nurse Corps approaches its 125th anniversary, she reflects on the core values of clinical excellence, administration, research, and education (CARE), offering timeless advice for the next generation of military medical professionals. Chapters (00:00-06:40) From Sharecropper's Daughter to Nursing School (06:40-11:45) A Tragic Lesson in Leadership and Troop Welfare (11:45-17:15) Breaking Barriers to Earn the Expert Field Medical Badge (17:15-22:42) Educating Nurses During the Vietnam War Era (22:42-37:55) The Power of Policy and Having a Seat at the Table (37:55-45:34) Core Values and the Legacy of the Army Nurse Corps Chapter Summaries (00:00-06:40) From Sharecropper's Daughter to Nursing School The guest discusses her family background, emphasizing her parents' deep value for education despite their limited schooling. She shares how she initially aspired to be a lawyer but followed her father's directive to attend nursing school, eventually discovering a passion for the challenge the profession provided. (06:40-11:45) A Tragic Lesson in Leadership and Troop Welfare Reflecting on her first assignment at Fort Dix, the guest describes the transition from academic theory to the practical realities of military nursing. She recounts a harrowing story of a young Marine shot due to horseplay, which served as a pivotal lesson on an officer's responsibility to maintain discipline and care for the troops beyond clinical duties. (11:45-17:15) Breaking Barriers to Earn the Expert Field Medical Badge The conversation shifts to the guest's historic achievement as the first woman to earn the EFMB. She details her determination to meet the same physical standards as the male soldiers, including marching 12 miles instead of the required 8 for women, viewing the grueling training as an opportunity to prove her capabilities. (17:15-22:42) Educating Nurses During the Vietnam War Era The guest describes her time as an instructor at Walter Reed, where she taught students from diverse backgrounds. She highlights the challenges of mentoring nursing students during the Vietnam War, helping them navigate their fears and obligations regarding deployment to a combat zone. (22:42-37:55) The Power of Policy and Having a Seat at the Table Moving into administration, the guest explains how she learned that writing good policy allows a leader to influence far more outcomes than hands-on care alone. She stresses the importance of nurses securing leadership roles to ensure they are in charge of their profession's destiny and not merely following orders from others. (37:55-45:34) Core Values and the Legacy of the Army Nurse Corps As the 125th anniversary of the Army Nurse Corps approaches, the guest reflects on the enduring values of the profession, using the acronym CARE. She concludes with a dedication to her mentors and offers advice to current nurses on maintaining standards and commitment to the mission. Take Home Messages Leadership Requires Practical Adaptability Success in military medicine often requires unlearning the rigid structures of "book learning" to adapt to the practical realities of the environment. True competence is demonstrated not just by clinical knowledge, but by the ability to handle unexpected situations and the human dynamics of the troops under one's command. The Responsibility of the Officer Extends Beyond Patient Care A medical officer's duty is not confined to the hospital bed or the clinic; it encompasses the overall welfare, discipline, and safety of the soldiers. Preventing tragedy through discipline and looking out for the troops is as vital as treating the wounds that result when safety protocols fail. Equality is Proven Through Standards Breaking barriers and earning respect often comes from a refusal to accept lower standards based on gender or background. By voluntarily meeting the more rigorous requirements set for counterparts, a leader demonstrates resilience and capability that silences doubters and inspires the team. Influence Through Policy and Administration While direct patient care is the heart of medicine, long-term impact is achieved by securing a "seat at the table" in administration and policy-making. Writing effective policy allows a medical professional to guide the hands of thousands of others, shaping the destiny of the profession and improving care on a systemic level. Total Commitment to the Profession Medical service is difficult, demanding work that requires a full "all-in" mentality. The key to longevity and success is to make a firm decision to commit to the profession; once that decision is made, energy should be directed toward the mission and patient care rather than complaints or negativity. Episode Keywords Clara Adams-Ender, Army Nurse Corps, EFMB, Expert Field Medical Badge, Military Medicine, Leadership, Women in Military, Black History, Vietnam War Nursing, Walter Reed, Nursing Education, Healthcare Policy, Mentorship, WarDocs, Army General, Brigadier General, Nursing Administration, Military History, Veteran Stories, Medical Podcast 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
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!
December is chaos. Holidays, travel, weather, kids, hosting, work, pressure to “make it special” – and then we act shocked when the credit card statement smacks us in January. In this 12 Days of Giving episode, I bring back money expert Rachel Duncan to walk through the one simple system she built to stop December from blindsiding her every single year: a recurring “Holiday Lessons Learned” calendar event that future Rachel is very, very grateful for.Rachel breaks down exactly how she built her holiday playbook: what went wrong, what worked, who actually enjoys which tasks, how much candy they really need for Halloween, why New Year's hosting hits different, and how all of that quietly adds up to real money. She shows you how she turned a chaotic season into a repeatable checklist that lives in her calendar and gets better every year instead of starting from zero every time.From there, we go straight into the money. We talk holiday “specialness” spending, why the real budget busters are the so-called “one-off” expenses, and how seasonal stuff like camps, hobbies, gifts, travel and parties are exactly what push people into debt. Rachel walks through her “holiday specialness” category, sinking funds, and even a controversial but smart use of a dedicated credit card you pre-load like a savings bucket. This isn't theory – this is how real families actually spend.Then we zoom out into the psychology. We hit future-self research, the idea of seeing your future self as a real person, and why we're willing to plan better for others than we are for ourselves. Rachel shares how aging a photo of herself, naming future-Rachel, and literally thanking “past me” changed how she spends in the moment. It's not about guilt. It's about taking responsibility for the version of you who has to live with December's decisions.If you're tired of swearing “next year will be different” and then repeating the same pattern, this episode is your line in the sand. We're giving you a concrete way to capture your own holiday lessons, track the real costs, and start funding them like adults instead of pretending we'll remember. This is part of our 12 Days of Giving series – one raw, practical episode every day from December 12–23 to get your money and mindset right heading into 2026.
If you still believe “the IRS already knows what you made, they should just do your taxes for you,” this episode might slap that idea right out of your head.In today's 12 Days of Giving episode, I'm back with Enrolled Agent, Morgan Q. Anderson, breaking down a real story where the IRS seized a client's $116,000 refund over a 1099-R that reported roughly $196,000 of “income” he never actually received. The investment fund admin bailed, paperwork got lazy, and a bad form turned into a six-figure tax bill and years of stress for a real family.We walk through how this happened in the first place: an alternative investment, a change in administrator, broken communication, and then a “we're done here” 1099-R sent to the IRS like the account was cashed out. The money never hit his bank account—but the system doesn't care. It just saw a big number, flagged “unreported income,” and quietly grabbed his refund to cover a tax that should never have existed.Then we get into the fight. Morgan explains exactly how she rebuilt the timeline, pulled old statements, got a letter from the investment manager, and used the Taxpayer Bill of Rights and the Taxpayer Advocate Service to force the IRS to slow down long enough to see the truth. This wasn't a quick phone call. It was months of “we need 90 more days” letters, escalation, and refusing to roll over.The payoff? The IRS not only returned his $116K refund, they had to pay tens of thousands in interest for sitting on money that never should've been theirs. That's the difference between “the IRS must be right” and “prove it.”We close with a playbook you can actually use: how to pull your wage & income transcript and see what's being reported under your Social Security number, what to do when a 1099-R or other form is flat-out wrong, and when to stop DIY-ing it and bring in someone who knows how to fight inside the system.
Imagine a blueprint so ambitious it aims to remake the entire U.S. government in 180 days, placing the executive branch firmly under presidential control. That's Project 2025, the Heritage Foundation's 900-page Mandate for Leadership, published in April 2023, which outlines radical reforms for a conservative administration.At its core, the plan pushes the unitary executive theory, seeking to dismantle agency independence. According to the Heritage Foundation's document, it calls for replacing federal civil service workers with loyalists via Schedule F, a policy to strip protections from up to a million employees. The Department of Justice and FBI would answer directly to the White House, with the FBI director personally accountable to the president. Wikipedia details how it brands the DOJ a "bloated bureaucracy" pushing a "radical liberal agenda," proposing reforms to combat "anti-white racism" under the Civil Rights Act of 1964.Concrete examples abound. Project 2025 urges abolishing the Department of Education, Department of Homeland Security—replacing it with a streamlined immigration agency—and the Consumer Financial Protection Bureau. The National Labor Relations Board would shrink, making union organizing harder by eliminating card-check elections, as noted in the National Federation of Federal Employees' analysis. On health, it proposes Medicaid cuts like per-capita caps, stricter work requirements, and voucher options, while defunding NIH stem cell research. Tax reforms include corporate cuts and a flat individual income tax.Latest developments, as reported by Government Executive in April 2025, show execution accelerating under President Trump's Department of Government Efficiency, led by Elon Musk. Entire agencies like USAID face elimination, with tens of thousands fired—though courts have reinstated some, like Consumer Financial Protection Bureau staff. Health and Human Services plans 20,000 cuts, 25% of its workforce. Jenny Mattingley of the Partnership for Public Service warns this politicizes a traditionally nonpartisan civil service, undercutting services for rural areas and seniors.Experts like the ACLU highlight risks to reproductive, LGBTQ, and immigrant rights, while proponents argue it streamlines efficiency. The plan's scope—from fossil fuel favoritism to military aid in immigration enforcement—signals a governance overhaul.Looking ahead, key decision points loom: congressional battles over agency eliminations and Supreme Court challenges to workforce purges. As implementation unfolds, its full impact on American democracy remains a pivotal watchpoint.Thank you for tuning in, listeners. Come back next week for more.Some great Deals https://amzn.to/49SJ3QsFor more check out http://www.quietplease.aiThis content was created in partnership and with the help of Artificial Intelligence AI
Most owners work hard for money—few learn to make the tax code work hard for them. In this episode of Sharkpreneur, Seth Greene interviews Catrina M. Craft, a tax strategist and accountant who's advised business owners and previously learned elite tax strategy working with the wealthiest 2% of Americans. Creator of the CRAFT Money Map framework, Catrina specializes in turning reactive “tax season” chaos into proactive, year-round wealth strategy. She breaks down the KPIs that actually drive profitability, the entity and election decisions that matter, and timely plays like bonus depreciation, §179, and QBI that can free up cash to grow. Key Takeaways: → Proactive vs. reactive taxes: what changes when strategy starts before year-end. → The five KPIs that matter: cash flow, profitability, A/R & A/P, LTV, and CAC—plus how to dashboard them. → The C.R.A.F.T. Money Map: Cash flow, Retirement, Asset management/protection, Financial freedom, and Tax strategies. → Entity structure ≠ paperwork: why LLC + the right tax election (S/C/partnership/sole prop) can swing your tax outcome. → When to hire a strategist: startup consults to avoid missteps; quarterly at ~$50k profit; monthly at ~$100k+. Catrina M. Craft, CPA, CEO & Founder of Craft More Cash. "The tax code isn't fair — but that's your opportunity as a business owner.” This is the perspective Catrina Craft brings as the CPA and tax strategist behind some of the most profitable coaches, consultants, and creators in the industry. After climbing out of $100K in debt and losing 80% of her income overnight, she rebuilt her business by using the same advanced tax strategies and wealth-building tactics that the top 2% of the wealthiest rely on to protect and multiply their money. Now, she teaches her clients to do the same. Through her Craft Money MapTM system, she helps high-earning entrepreneurs cut taxes by 25% and boost profits by 20% — strategies most accountants won't even talk about. On the mic, Catrina pulls back the curtain on what the ultra-wealthy know: how proactive tax strategy lets you keep more, grow faster, and build real wealth. Listeners walk away with practical insights on entity structuring, overlooked deductions, and income planning that scales. Connect With Catrina: Website: https://www.catrinamcraft.com/ Instagram: https://www.instagram.com/catrinamcraft/ Facebook: https://www.facebook.com/catrinamcraft1/ Learn more about your ad choices. Visit megaphone.fm/adchoices
“She gave birth to her firstborn son. She wrapped him snugly in strips of cloth and laid him in a manger, because there was no lodging available for them.” (Luke 2:7 NLT) Imagine for a moment that it’s your birthday and your friends and family have decided to throw you a party. It isn’t just any party. It’s a mega party. Everyone that you know is there. There are gifts galore and the largest cake you’ve ever seen. Your name is strung in lights outside the house. Pictures of you are on display. Songs with your name in them are playing in the background. But there’s just one small problem with your birthday party. Someone forgot to invite you. At first, you think it’s an oversight. You’re sure that your friends and loved ones want you to be there. But when you arrive at the party, the music is so loud and everyone is so preoccupied that no one opens the door, even though you’re pounding on it. Then you notice that some of the celebrants are looking in your direction. They discreetly whisper to others, who also look in your direction. But they go back to their celebration without stopping to let you in. What you don’t realize is that they’ve decided just to ignore you, hoping that you’ll eventually get tired of knocking and go away. They want to celebrate your birthday without making you the center of attention. They have their own thoughts about how to commemorate your big day, and they don’t want to make things awkward by trying to fit in the things you prefer. I think Christmas has become like this for many people today. They string their lights. They decorate their trees. They listen to Christmas carols. They run around buying things for everyone they know. But they forget to make room in their schedules for Jesus. You could argue that Jesus was an outcast from birth. Luke 2:7 says of Mary, “She gave birth to her firstborn son. She wrapped him snugly in strips of cloth and laid him in a manger, because there was no lodging available for them” (NLT). The innkeeper decided who would enjoy the relative comfort and security of his lodging. Jesus and His parents did not get the invitation. Jesus had a heart for outcasts because He, too, was an outcast. Luke 15:1–2 says, “Tax collectors and other notorious sinners often came to listen to Jesus teach. This made the Pharisees and teachers of religious law complain that he was associating with such sinful people—even eating with them!” (NLT). Jesus welcomed people whom others shunned. He made room for everyone in His ministry. This Christmas, will you make room for Him? Unfortunately, even Christians can become so busy that we forget about Jesus. Let’s not make that mistake this year. Is there room in your Christmas celebration for Christ? Reflection question: How can you put Christ at the center of your Christmas celebration? Discuss Today's Devo in Harvest Discipleship! — The audio production of the podcast "Greg Laurie: Daily Devotions" utilizes Generative AI technology. This allows us to deliver consistent, high-quality content while preserving Harvest's mission to "know God and make Him known." All devotional content is written and owned by Pastor Greg Laurie. Listen to the Greg Laurie Podcast Become a Harvest PartnerSupport the show: https://harvest.org/supportSee omnystudio.com/listener for privacy information.
Clinton Donnelly, CEO of CryptoTaxAudit, joined me to discuss the IRS new approach to crypto taxes.Topics: - New 1099 DA Form - Proposed IRS rule and CARF membership would let the U.S. government track Americans' crypto abroad for taxation - Privacy coins and IRS - Staking rewards and taxes Learn about CryptoTaxAudit's services https://www.cryptotaxaudit.com/guard-dog/?afmc=thinkingcrypto Brought to you by
The inflation narrative is unraveling—and the numbers don't lie. Tara breaks down why tariffs never caused inflation, how money printing actually did, and why the media suddenly stopped blaming tariffs once political power changed hands. From a dramatic drop in inflation to wage growth, tax relief, and looming bond market risks, this episode cuts through the noise to explain what's really impacting your wallet—and what could be coming next.
Brent Kesler explains infinite banking, how he paid off nearly $1M in debt, and why the wealthy recycle money using the Money Multiplier method.In this episode of RealDealChat, Jack Hoss welcomes back Brent Kesler, founder of The Money Multiplier, to break down one of the most misunderstood wealth strategies in real estate and investing: infinite banking.Brent shares how he and his wife eliminated $984,711 of third-party debt in just 39 months—without changing cash flow, working harder, or taking on more risk. He explains how specially designed whole life policies allow investors to recycle and recapture money they're already spending, turning expenses into long-term wealth.The conversation covers the origins of the infinite banking concept (Nelson Nash), why many advisors misunderstand it, how real estate investors use it to fund deals repeatedly, and why mindset traps like Arrival Syndrome and Parkinson's Law keep people broke.If you want a proven system the wealthy have used for over 250 years—and a way to fund real estate without losing control of your money—this episode delivers clarity and conviction.
Top 5 Mistakes Wealthy Investors Must Avoid in 2026Start 2026 with the end in mind. If you earn $200k plus or you have a seven figure portfolio, a few avoidable mistakes can cost six or seven figures over a lifetime. In this episode Andrew Nida from Asset Management Group, Inc. breaks down the five mistakes wealthy investors must avoid in 2026 and how to align investments, taxes, and cash flow with the outcomes you actually want.Even high-income earners and retirees often make significant financial errors. This video addresses common mistakes that can cost hundreds of thousands of dollars, emphasizing the importance of effective financial planning. We discuss how coordinating cash flow, taxes, and risk is crucial for sound financial management, especially as tax planning strategies evolve.
This isn't a cute budgeting episode. This is a $14 million revenue business buried under $1.5 million in stacked merchant cash advances, with money ripped out of the account every single day. The owner wasn't reckless. He had a 740 credit score and solid bank statements. He just got sold the wrong “solution” over and over.In this 12 Days of Giving episode, I sit down with Sara Weldon of TruFinCo to walk through exactly how this happened — and how she helped pull him out. We break down how MCAs are really structured, why the payments feel fine at first and then choke your cash flow, and how these things get layered until your business exists to feed lenders, not you.Then we get into the turnaround: how Sara and her team stepped in, worked with the right legal support, and restructured the full $1.5M, giving the owner roughly $45,000 a month in breathing room in about four days. From there, they rebuilt his capital strategy using lines of credit, term loans, and 0% business credit through capital stacking instead of more toxic “fast money.”If you're a business owner staring at debt, stressed about cash, or being pitched “quick funding,” you need to understand this playbook. This series is about real people, real numbers, and what it actually takes to get free — not the fantasy Instagram finance tries to sell you.
Check if your dental practice qualifies for capital allowances here >>> https://www.dentistswhoinvest.com/chris-lonergan———————————————————————UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club———————————————————————Ownership is back on the table—and not just for the fearless few. We sit down with finance specialist Ray Cox to unpack why more UK dentists are walking away from corporates and building practices that reflect their values. From cultural tailwinds to smarter lending, the ground has shifted in favour of clinicians who want control, flexibility, and long-term upside.We compare squats and acquisitions with clear-eyed criteria lenders use today: headroom for growth, realistic demand, and operational discipline. You'll hear why a well-planned squat can be less risky than an overpriced acquisition, how healthcare specialist teams at banks now evaluate dental cash flows, and what makes a business plan bank-ready. We also tackle refinancing—how owners who launched five to seven years ago are securing better terms, freeing cash, and leveraging equity to open a second site.Beyond finance, we dig into the strategic moves that build resilient private practices. The frenzy for align-bleach-bond is fading as new owners double down on family dentistry, prevention, strong recall systems, and measured expansion into specialisms like implants. The NHS vs private decision is decisive among younger owners in England, with membership plans increasingly used to stabilise income without sacrificing clinical freedom. Add in interest rate dynamics and inflationary headwinds, and you've got a candid field guide to starting or scaling a modern dental practice.If you're weighing buy versus squat, plotting a refinance, or designing a patient-first model with durable cash flow, this conversation will help you move with confidence. Subscribe, share with a colleague who's ownership-curious, and leave a review with your biggest takeaway—what's your next step toward running your own practice?———————————————————————Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.Send us a text
Recent IRS clarification has increased scrutiny on foreign-owned U.S. company structures, particularly pass-through LLCs. Many now must provide W-8BEN-E forms, raising withholding risk. Tax experts say entity choice, business model, and where services are performed now directly affect cash flow, compliance, and client payments outcomes. VALIS International City: Wilmington Address: 501 Silverside Rd Website: https://valisinternational.com/ Phone: +1 302-792-0175 Email: dgendron@valisinternational.com
Worried about an IRS audit? Dr. Friday explains why solid accounting records are your best defense—and how software can make it easier. 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. Using a tax software is great, but using an accounting software may be better for most self-employed individuals. First thing you need to do is have good numbers—tracking your expenses. If you’re ever worried about the IRS coming knocking—which, let’s be honest, all of us are always worried about it—having good tax records is the secret to defending yourself against an audit. I had a gentleman we went through an audit with just a few weeks ago, and to be quite honest with you, we went through with no problems. His documents were in good order. The questions they had, we had exact numbers. They didn’t dig very far because the answers that we gave them stopped them pretty much. Where if you’re not organized, they’re gonna keep digging to get more information. You have questions, just call me. 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.
SponsorsDigits - https://uqb.promo/digits(00:00) - Welcome to The Unofficial QuickBooks Accountants Podcast (02:31) - Deep Dive into Intuit Accountant Suite (07:57) - Home Screen and Client Management (18:15) - Client Insights and Custom Views (24:41) - Books Close Feature (33:58) - ProAdvisor Academy Enhancements (38:43) - Wrapping Up and Upcoming Classes LINKSMentions in episode: Alicia's Reconciling class: http://royl.ws/Reconciling-In-QBO?affiliate=5393907Alicia'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=539390 DanIntuit Accountant Suite: First Look - https://www.schoolofbookkeeping.com/blog/IASNewQBOA 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
“A tax refund is a 0% loan you gave the government because you overpaid your taxes.” Tax season hype says “free money.” Jaspreet explains why refunds happen, how to stop overpaying (so more of your paycheck hits your account all year), and the smartest ways to deploy any refund so it builds assets, not someone else's profits. What You'll Learn Why refunds exist (withholding now, true tax due later) How to adjust your W-4 using the IRS Withholding Estimator so you're not lending money for free Fastest way to receive a refund (avoid delays = no missing W-2/1099s) The asset vs. liability test and why cars, watches, and vacations drain wealth A simple plan to turn refunds into long-term gains (emergency cash, then investments). Chapters 00:00 Hook: Refund ≠ free money 01:06 Why refunds happen (withholding 101) 03:22 How to stop overpaying (W-4 + IRS estimator) 06:05 Fastest way to get your refund (avoid delays) 08:10 Assets vs. liabilities (the only test that matters) 12:00 Where your refund should go (emergency fund → investing) 15:30 Put it on autopilot (ABB) 17:20 Final thoughts & resources Keywords: tax refund 2025, IRS W-4, withholding estimator, how to stop overpaying taxes, fastest tax refund, invest tax refund, emergency fund 3–12 months, ABB always be buying, index fund ETF, assets vs liabilities, Minority Mindset #taxrefund #taxes #withholding #personalfinance #investing #MinorityMindset Want more financial news? Join Market Briefs, my free daily financial newsletter: https://link.briefs.co/3JJ8LOT Below are my recommended tools! Please note: Yes, these are our sponsors & advertisers. However, these are companies that I trust and use (or have used). The compensation doesn't affect my recommendations or advice. That being said, you should always do your own research & never blindly listen to a random guy on YouTube (or a podcast). ---------- ➤ Invest In Stocks Passively 1) M1 Finance - Buy stocks & ETFs automatically: https://theminoritymindset.com/m1 ---------- ➤ Life Insurance 2) Policygenius - Get a free life insurance quote: https://theminoritymindset.com/policygenius ---------- ➤ Real Estate Investing Online 3) Fundrise - Invest in real estate with as little as $10! https://theminoritymindset.com/fundrise ----------
We start with an analyis of the latest health care melodrama in D.C., where four House Republicans unexpectedly broke ranks, joining Democrats in forcing a vote on the renwal of ACA subsidies. Speaker Johnson will not hold the required vote until January. But even if it passes in the House, it will face an almost certain filibuster in the Senate. Meanwhile millions of Americans will lose healthcare coverage, and those who decide to pay skyrocketing premiums will be forced to cut back on other basics. We welcome State Representative Angelina Cruz to discuss the budget bait and switch on special education funding. The Department of Public Instruction (DPI) announced l that the state will fail to meet the 42% special education reimbursement promised in the recent state budget., and by elected leaders of both parties when they celebrated the budget "compromise." Rep. Cruz tells us about new legislation to ensure all schools get special education funding they were promised Following Rep. Cruz, we discuss a new three bill package that transforms how Wisconsin funds K-12 schools and other public goods in Wisconsin. If enacted, Wisconsin would become the first state to fund K-12 schools primarily through a progressive income tax, leading to a 44% reduction in the median Wisconsin property tax bill. Another bill restores Wisconsin's estate tax for estates valued higher than $14M and creates a new local option income tax on people who make $1M a year or more. These tools provide new, fairer options to raise revenue at the state and local levels, and begin the long process of unwinding record levels of income and wealth inequality. We also talk about this week's highly publicized trial of Judge Hannah Dugan Trial in Milwaukee, data center opponents launch a recall effort against Port Washington Mayor, and the "Monsters of the Midway" threaten to move to Indiana, the latest move in their failing (but on-going) campaign to shake down Illinois for unneeded public subsidies at the expense of schools, health care, and other public priorities. So far Illinois elected leaders are holding firm, in stark contrast to Wisconsin's bipartisan cave in to the Brewers billionaire owner last year.
Most couples think they're “broken” because they argue about money. The truth? You're probably more normal than you realize—you've just never been taught how to talk about money without going to war.In this 12 Days of Giving episode, I sit back down with financial therapist Ashley Quamme to walk through a real couple we'll call Mark and Mary—late 30s, three kids, decent income, solid marriage… until money comes up. He's the anxious saver, constantly bracing for the layoff that may never come. She's the practical spender who wants to make memories with their kids and not live like everything is on fire. The money isn't the problem. Their stories about money are. ashley-2-2025Ashley takes us into their backstory: Mark's single-mom, count-every-penny upbringing and Mary's “we're fine, we don't talk about money much” childhood. We break down how those early money memories hijack their adult arguments—why he feels panicked when they're not maxing accounts, and why she feels controlled and judged when he questions holiday spending. None of this is “just numbers.” This is nervous systems, fear, and unspoken expectations running the show.Then we get into the actual work: how Ashley helped them stop avoiding each other, set up structured money dates, and build rules of engagement so they're not trying to solve their financial life at 9:30 p.m. half-asleep and pissed off. We talk about what to do when you hit a stalemate, why “we'll talk about it later” usually means “never,” and how they finally landed on a savings target that calmed his anxiety without killing all joy for her.This is not some dramatic, on-the-brink-of-divorce situation. This is a normal couple that refused to settle for “fine” and chose to do the work before things blew up. If you and your partner are mostly good—but money convos feel tense, defensive, or like the same fight on repeat—this episode is your mirror and your playbook.
U.S. Immigration Q&A Podcast with JQK Law: Visa, Green Card, Citizenship & More!
Applying for US citizenship in 2026? Immigration attorney John Khosravi reveals 5 critical mistakes that can get your N-400 application denied—or worse, lead to deportation. These issues are being scrutinized more heavily under the current administration. ⚠️ CRITICAL MISTAKES COVERED: ✅ 90-day residency rule after moving states ✅ Criminal history documentation requirements ✅ Tax filing and payment issues ✅ Immigration history review (green card validity) ✅ False claim to citizenship (I-9 forms & voter registration)
When a business doesn't report their cash sales, how exactly does the IRS find out about it? The answer may surprise you...Do you have unfiled tax returns that need filing? Call us at 866-8000-TAX or fill out the form at https://choicetaxrelief.com/If you want to see more…-YouTube: / @loganallec -Instagram: @ChoiceTaxRelief @LoganAllec -TikTok: @loganallec-Facebook: Choice Tax Relief // Logan Allec, CPA -Reddit: / taxrelief
“Why is my refund smaller than my friend's?” Dr. Friday explains why comparing tax results rarely helps—and what you should do instead. 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. What can we do to save taxes? That’s the first thing most people ask when we’re working on their taxes. Nothing wrong with it—it's a great question, I love it. But you have to figure out that what advice I give you is based on your situation, because what happens often is they say, “Well, you know, my neighbor doesn’t pay this kind of money in taxes. My friend just did their taxes and they got this big refund and they’re making about the same as we are.” One, most people never share exactly what they’re making. Two, you don’t know if they have losses—maybe they lost some money, maybe they have more children. You’re not sure what the situation is. So if you really want to know how to save tax dollars, you need to make a tax appointment and let’s talk about your taxes. 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 comes to a close, Matt Landon, CFP®, Semmax CEO, encourages a thoughtful pause to reflect on where you have been financially and where you are headed next. This conversation focuses on reviewing the past year with clarity, identifying opportunities to simplify and align your finances, and making intentional decisions around investments, taxes, charitable giving, and long-term planning. Matt shares practical guidance on reducing complexity, adjusting to change, and building habits that support both financial confidence and peace of mind. The message is clear: a well-aligned plan should help you focus more on living your life and less on worrying about your money.
Our Public Policy Strategists Michael Zezas and Ariana Salvatore break down key moves from the White House, U.S. Congress and Supreme Court that could influence markets 2026.Read more insights from Morgan Stanley.----- Transcript -----Michael Zezas: Welcome to Thoughts on the Market. I'm Michael Zezas, Global Head of Fixed Income Research and Public Policy Strategy.Ariana Salvatore: And I'm Ariana Salvatore, U.S. Public Policy Strategist.Michael Zezas: Today we'll be talking about the outlook for U.S. public policy and its interaction with markets into 2026.It's Wednesday, December 17th at 10:30am in New York.So, Ariana, we published our year ahead outlook last month. And since then, you've been out there talking to clients about U.S. public policy, its interaction with markets, and how that plays into 2026. What sorts of topics are on investors' minds around this theme?Ariana Salvatore: So, the first thing I'd say is clients are definitely interested in our more bullish outlook, in particular for the U.S. equity market. And normally we would start these conversations by talking through the policy variables, right? Immigration, deregulation, fiscal, and trade policy. But I think now we're actually post peak uncertainty for those variables, and we're talking through how the policy choices that have been made interact with the outlook.So, in particular for the equity market, we do think that some of the upside actually is pretty isolated from the fact that we're post peak uncertainty on tariffs, for example. Consumer discretionary – the double upgrade that our strategists made in the outlook has very little to do with the policy backdrop, and more to do with fundamentals, and things like AI and the dollar tailwind and all of all those factors.So, I think that that's a key difference. I would say it's more about the implementation of these policy decisions rather than which direction is the policy going to go in.Michael Zezas: Picking up on that point about policy uncertainty, when we were having this conversation a year ago, right after the election, looking into 2025, the key policy variables that we were going to care about – trade, fiscal policy regulation – there was a really wide range of plausible outcomes there.With tariffs, for example, you could make a credible argument that they weren't going to increase at all. But you could also make a credible argument that the average effective tariff rate was going to go up to 50 or 60 percent. While the tariff story certainly isn't over going into 2026, it certainly feels like we've landed in a place that's more range bound. It's an average effective tariff rate that's four to five times higher than where we started the year, but not nearly as high as some of the projections would have. There's still some negotiation that's going on between the U.S. and China and ways in which that could temporarily escalate; and with some other geographies as well. But we think the equilibrium rate is roughly around where we're at right now.Fiscal policy is another area where the projections were that we were going to have anything from a very substantial deficit expansion. Tax cuts that wouldn't be offset in any meaningful way by spending cuts; to a fiscal contraction, which was going to be more focused on heavier spending cuts that would've more than offset any tax cuts. We landed somewhere in between. It seems like there's some modest stimulus in the pipe for next year. But again, that is baked. We don't expect Congress to do much more there.And in terms of regulation, listen, this is a little bit more difficult, but regulatory policy tends to move slowly. It's a bureaucratic process. We thought that some of it would start last year, but it would be in process and potentially hit next year and the year after. And that's kind of where we are.So, we more or less know how these variables have become something closer to constants, and to your point, Ariana now it's about observing how economic actors, companies, consumers react to those policy choices. And what that means for the economy next year.All that said, there's always the possibility that we could be wrong. So, going back to tariffs for a minute, what are you looking at that could change or influence trade policy in a way that investors either might not expect or just have to account for in a new way?Ariana Salvatore: So, I would say the clearest catalyst is the impending decision from the Supreme Court on the legality of the IEEPA tariffs. I think on that front, there are really two things to watch. The first is what President Trump does in response. Right now, there's an expectation that he will just replace the tariffs with other existing authorities, which I think probably should still be our base case. There's obviously a growing possibility, we think, that he actually takes a lighter touch on tariffs, given the concerns around affordability. And then the second thing I would say is on the refunds piece. So, if the Supreme Court does, in fact, say that the Treasury has to pay back the tariff revenue that it's collected, we've investigated some different scenarios what that could look like. In short, we think it's going to be dragged out over a long time period, probably six months at a minimum. And a lot of this will come down to the implementation and what specifically Treasury and CBP, its Customs and Border Protection, sets up to get that money back out to companies.The second catalyst on the trade front is really the USMCA review. So, this is an important topic because it matters a lot for the nearshoring narrative, for the trade relationship that the U.S. has with Mexico and Canada. And there are a number of sectors that come into scope. Obviously, Autos is the clearest impact.So, that's something that's going to happen by the middle of next year. But early in January, the USTR has to give his evaluation of the effectiveness of the USMCA to Congress. I think at that point we're going to start to see headlines. We're going to go start to see lawmakers engage more publicly with this topic. And again, a lot at stake in terms of North American supply chains. So that's going to be a really interesting development to keep an eye on next year too.Michael Zezas: So, what about things that Congress might do? Recently the President and Democrats have been talking about the concept of affordability in the wake of some of the off-cycle elections, where that appeared to influence voter behavior and give Democrats an advantage. So are there policies, any legislative policies in particular, that might come to the forefront that might impact how consumers behave?Ariana Salvatore: So a really important starting point here is just on the process itself, right? So, as we've said, one of the more reliable historical priors is that it's difficult to legislate during election years. That's a function of the fact that lawmakers just aren't in D.C. as often. You also have limited availabilities in terms of procedure itself because Republicans would have to probably do another Reconciliation Bill unless you get some bipartisan support.But hitting on this topic of affordability, there really are a few different things on the table right now. Obviously, the President has spoken about these tariff dividend checks, the $2,000. They've spoken about making changes on housing policy, so housing deregulation, and then the third is on these expanded ACA subsidies.Those were obviously the crux of the government shutdown debate. And for a variety of reasons, I think each of these are really challenging to see moving over the finish line in the coming months. We think that you would need to see some sort of exogenous economic downturn, which is not currently in our economists' baseline forecast, to really get that kind of more reactive fiscal policy.And because of those procedural constraints, I would just go back to the point we were saying earlier around tariff policy and maybe the Supreme Court decision, giving Trump this opportunity to pull back a little bit. It's really the easiest and most available policy lever he has to address affordability. And to that point, the administration has already taken steps in this direction. They provided a number of exemptions on agricultural products and said they weren't going to move forward with the Section 232 tariffs on semiconductors in the very near term. So, we're already seeing directionally, I would say, movement in this area.Michael Zezas: Yeah. And I think we should also keep our eye on potential legislation around energy exploration. This is something that in the past has had bipartisan support loosening up regulations around that, and it's something that also ties into the theme of developing AI as a national imperative. That being said, it's not in our base case because Democrats and Republicans might agree on the high points of loosening up regulations for energy exploration. But there's a lot of disagreements on the details below the surface.But there's also the midterm elections next year. So, how do you think investors should be thinking about that – as a major catalyst for policy change? Or is it more of the same: It's an interesting story that we should track, but ultimately not that consequential.Ariana Salvatore: So obviously we're still a year out. A lot can change. But obviously we're keeping an eye on polling and that sort of data that's coming in daily at this point. The historical precedent will tell you that the President's party almost always loses seats in a midterm election. And in the House with a three-seat majority for Republicans, the bar's actually pretty low for Democrats to shift control back. In the Senate, the map is a little bit different. But let's say you were to get something like a split Congress, we think the policy ramifications there are actually quite limited. If you get a divided government, you basically get fiscal gridlock. So, limits to fiscal expansion, absent like a recession or something like that – that we don't expect at the moment. But you really will probably see legislation only in areas that have bipartisan support.In the meantime, I think you could also expect to see more kind of political fights around things like appropriations, funding the government, the debt ceiling that's typical of divided governments, unless you have some area of bipartisan support, like I said. Maybe we see something on healthcare, crypto policy, AI policy, industrial policy is becoming more of the mainstream in both parties, so potentially some action there.But I think that's probably the limit of the most consequential policy items we should be looking out for.Michael Zezas: Right, so the way I've been thinking about it is: No clear new policies that someone has to account for coming out of the midterms. However, we definitely have to pay attention. There could be some soft signals there about political preferences and resulting policy preferences that might become live a couple years down the line after we get into the 2028 general elections – and the new power configuration that could result from that.So – interesting, impactful, not clear that there'll be fundamental catalysts. And probably along the way we should pay attention because markets will discount all sorts of potential outcomes. And it could get the wrong way on interpreting midterm outcomes, which could present opportunities. So, we'll certainly be tracking that throughout 2026.Ariana Salvatore: Yeah. And if you think about the policy items that President Trump has leaned on most heavily this year and that have mattered for markets, there are things in the executive branch, right? So, tariff policy obviously does not depend on Congress. Deregulation helps if you have fundamental backing from Congress but can occur through the executive agencies. So, to your point, less to watch out for in terms of how it will shift Trump's behavior.Michael Zezas: Well, Ariana, thanks for taking the time to talk.Ariana Salvatore: Always great speaking with you, Michael.Michael Zezas: And to our audience, thanks for listening. If you enjoy thoughts on the Market, please leave us a review and tell your friends about the podcast. We want everyone to listen.
The Federal Reserve tipped it's hand for a bull market. Today we discuss the details. We talk economic divergence, as decades of debt-fueled growth and asset inflation have benefited boomers and asset owners while leaving younger generations locked out of housing and upward mobility, creating frustration and political volatility. The U.S. economy is fundamentally leveraged by pulling future earnings forward and this could be an eventual but unpredictable global financial reset. We also talk the near-term debt panic but don't get nervous as deficits are the true risk. We also talk practical investing takeaways around market cycles, sentiment, tax-loss selling, Santa Claus rally dynamics, and the importance of patience, diversification, and avoiding extreme, fear-driven decisions. We discuss... We highlight generational economic disparities, noting younger people struggle with housing affordability and wealth accumulation compared to boomers. Economic frustration among younger generations is linked to the appeal of populist political figures who speak to lived experiences. The U.S. economy is heavily leveraged, with future earnings being pulled forward to maintain growth and consumption. We warn of a potential global financial reset, while emphasizing that timing and specifics are uncertain. Central banks' accumulation of gold is a signal of perceived systemic risk and preparation for a global reset. Debt itself can be manageable, but the ongoing growth of deficits is the real problem. Concerns about foreign countries dumping U.S. bonds were dismissed as largely impractical due to mutual economic harm. Market reactions to Fed rate cuts are analyzed, showing how assets like stocks, silver, the dollar, and Treasury yields respond differently. It's important to analyze market cycles and sentiment, rather than relying on GDP or simplistic economic indicators. Tax-loss selling and end-of-year market dynamics are discussed as opportunities to buy undervalued assets with lower downside risk. The Santa Claus rally and January market patterns are historically strong indicators for short-term gains. Focus on sectors or assets that were beaten down, watch early January flows, and avoid extreme, fear-driven moves. 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/the-federal-reserved-tipped-its-hand-773
Margo Tantau is joined by artist, tax expert, and founder of Sunlight Tax, Hannah Cole, for a refreshingly human conversation about money, creativity, and her new book, Taxes for Humans: Simplify Your Taxes and Change the World When You're Self-Employed. Hannah brings compassion, clarity, and humor to a topic many creatives carry shame, fear, or confusion around—and reframes taxes as something that can actually support creative, mission-driven work rather than stifle it. Margo and Hannah discuss: Why creative work is economically vital and plays a real role in shaping culture How the tax system is designed for humans—not perfection—and includes room for forgiveness Simple, realistic systems that make taxes easier for self-employed creatives Tax incentives that actually exist to support artists and independent workers How money shame shows up for creatives, and why it's completely normal Why making mistakes with taxes doesn't mean you're "bad at money" How compassion and clarity can coexist with practical financial systems Connect with Hannah: Book + Workbook: https://www.sunlighttax.com/book Website: https://www.sunlighttax.com Instagram / YouTube / LinkedIn: @sunlighttax Connect with Margo: Website: www.windowsillchats.com Instagram: @windowsillchats www.patreon.com/inthewindowsill https://www.yourtantaustudio.com/thefoundry
Episode Summary Join us for a compelling conversation with Dr. Alexander Villahermosa, a neurosurgery resident at UT Health San Antonio and former 18 Delta Special Forces Medical Sergeant. Motivated by the events of 9/11, he enlisted with an 18 X-ray contract, embarking on a remarkable journey that took him from the battlefield to the operating room. Dr. Villahermosa shares stories from his deployments to Iraq, Afghanistan, and other austere environments, highlighting how mentorship from military physicians in Balad inspired him to pursue a medical degree. Dr. Villahermosa provides a candid look at the Enlisted to Medical Degree Program (EMDP2), detailing his experience as part of its second class. He discusses the academic challenges of transitioning from an operational tempo to learning calculus and hard sciences, and how the program's cohort-based support system prepares active-duty soldiers for the rigors of medical school at the Uniformed Services University. The discussion moves to the intense reality of surgical residency, where days often start at 4:00 AM and involve complex perioperative care. Dr. Villahermosa highlights the unique perspective military training brings to civilian medicine, specifically the ability to operate without advanced navigation technology—a skill emphasized by military mentors who understand downrange limitations. He also shares insights on "expectation management" regarding physical fitness while maintaining a grueling training schedule. Finally, Dr. Villahermosa reflects on leadership lessons learned while rising from the rank of Master Sergeant to Captain, emphasizing that mentorship and staying humble are keys to success. He concludes with a crucial medical takeaway for combat medics: the best brain care starts with the basics of airway, respiration, and circulation as outlined in TCCC guidelines. Chapters (00:00-06:00) From Enlistment to Special Forces Medic (06:00-19:30) The Path to Medical School and EMDP2 (19:30-28:30) Choosing Neurosurgery and Residency Reality (28:30-33:00) Military vs. Civilian Surgical Training (33:00-39:40) Leadership, Advice, and TBI Care Chapter Summaries (00:00-06:00) From Enlistment to Special Forces Medic Dr. Villahermosa describes enlisting after 9/11 with the initial intent of joining the infantry, only to switch to an 18X contract to avoid a long wait for basic training. He recounts his deployments to Iraq and how mentorship from a group surgeon and an anesthesiologist in Balad first sparked his interest in becoming a physician. (06:00-19:30) The Path to Medical School and EMDP2 This section covers the process of completing undergraduate prerequisites through the Enlisted to Medical Degree Program (EMDP2), including the challenges of mastering mathematics and hard sciences. Dr. Villahermosa explains how the program's cohort system and partnership with the Uniformed Services University provided the structure and support necessary for success. (19:30-28:30) Choosing Neurosurgery and Residency Reality Initially uninterested in surgery, Dr. Villahermosa describes falling in love with the specialty during a third-year clerkship after being fascinated by spine and trauma cases. He details the daily grind of residency, which involves early mornings, long hours, and the need to seize small windows of time for physical fitness and self-care. (28:30-33:00) Military vs. Civilian Surgical Training The discussion focuses on the specific mindset instilled by military neurosurgeons, such as the ability to perform spine surgery using anatomic landmarks rather than relying solely on advanced navigation systems. This training ensures readiness for deployed environments where high-tech equipment may not be available or functional. (33:00-39:40) Leadership, Advice, and TBI Care Dr. Villahermosa reflects on the importance of humility and teamwork, noting that, regardless of rank or experience, there is always something to learn from others. He concludes by emphasizing that the best initial care for traumatic brain injury is adherence to TCCC protocols, specifically preventing hypotension and hypoxia. Take Home Messages The Power of Mentorship: Career paths are often significantly altered by leaders who take the time to invest in their subordinates and encourage them to pursue higher goals. Dr. Villahermosa's journey to medical school began specifically because a group surgeon and an anesthesiologist took him under their wing during a combat deployment. Leaders should actively identify and encourage potential in those they lead, as this support can fundamentally change the trajectory of a service member's life. Back to Basics for Brain Injury: The most effective initial treatment for traumatic brain injury (TBI) lies in the fundamental principles of Tactical Combat Casualty Care (TCCC). Preventing secondary brain injury caused by hypotension and hypoxia is critical, meaning that controlling hemorrhage and managing the airway are the best ways to protect the brain in the pre-hospital setting. Providers should trust these protocols rather than feeling helpless without advanced neurosurgical capabilities, as stabilizing the patient's physiology is the first step in saving the brain. Operating in Austere Environments: While modern civilian neurosurgery often relies on advanced navigation technology and robotics, military surgeons must maintain the skill to operate using anatomic landmarks. Dr. Villahermosa highlights that downrange environments may lack functional high-tech equipment, making it essential to master manual techniques for spine and brain procedures. This training approach ensures that military surgeons remain adaptable and can deliver life-saving care regardless of the resources available in the field. Resilience Through Expectation Management: Surviving a demanding residency program or rigorous military training requires adjusting one's expectations regarding fitness and rest. Rather than waiting for large blocks of free time that may never come, trainees must learn to seize small, available moments for self-care, whether that is a short fifteen-minute run or catching up on sleep. Taking advantage of these brief breaks when they present themselves is crucial for maintaining long-term physical and mental performance when the schedule is unpredictable. Humility and Teamwork in Leadership: Success in high-stakes environments like the military and medicine demands humility and the recognition that no single person knows everything. Dr. Villahermosa emphasizes that rank and experience do not preclude the need to learn from others, including the newest members of the team who may bring fresh perspectives. Acknowledging one's role within the larger mission fosters a collaborative environment that improves patient outcomes and ensures the job gets done effectively. Episode Keywords special forces medic, green beret, neurosurgery resident, military medicine, combat medic, trauma surgery, medical school, emdp2, enlisted to medical degree, uniformed services university, 18 delta, surgical training, traumatic brain injury, TCCC, tactical combat casualty care, military podcast, veteran stories, medical career, doctor journey, Brooke Army Medical Center, UT health San Antonio, neurosurgeon training, army special operations, combat veteran, medicine podcast, army doctor 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
This episode features David McKnight sharing the top five reasons why a Roth 401(k) is far superior to a traditional 401(k). Something important to keep in mind: the decision you make today will determine how much of your retirement money your future self actually gets to keep. David touches upon the fact that choosing the wrong 401(k) could cost you hundreds of thousands of dollars in unnecessary taxes in retirement. Tax rate risk is the first big reason why you should consider investing in a Roth 401(k) over a traditional 401(k). David lists a series of key questions people who invest in a traditional 401(k) often fail to ask themselves. The second reason to consider a Roth 401(k) over a traditional 401(k) is Social Security taxation. Most people believe that Social Security is tax-free…but it's not. 50% of your Social Security, plus wages, pensions, and interest, as well as all withdrawals from traditional IRAs and traditional 401(k)s, are what the IRS counts as provisional income. The third reason for choosing a Roth 401(k) and not a traditional 401(k) has to do with something that most retirees never plan for: Income-Related Monthly Adjustment Amount (IRMAA). Remember: "When you control your taxable income, you control your Medicare costs." Required Minimum Distributions (or RMDs) are the fourth reason for opting for a Roth 401(k). The fifth reason for going for a Roth 401(k) instead of a traditional 401(k) has to do with your heirs. When they inherit a traditional 401(k), it becomes a tax bomb. So, why choose a Roth 401(k) over a traditional 401(k)? Because a Roth 401(k) helps you eliminate tax rate risk, avoid Social Security taxation traps, prevent Medicare premium explosions, stay in control of withdrawals, and leave tax-free income to your heirs. 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
Want to build wealth without a one-size-fits-all plan? In this episode, Mike Milligan shares how personalized strategies and proactive tax planning can change the trajectory of your financial life. Plus, powerful stories behind his "one-of-a-kind" approach, lessons from family entrepreneurship, and why every dollar should have a purpose. Key Takeaways To Listen For The #1 financial skill most people lack Why tax rates in retirement won't automatically be lower Tax diversification tools every investor should know End-of-life planning: why 80% of men die married, and 80% of women die single An expert advice on true legacy you need to hear Resources/Links Mentioned In This Episode The One of a Kind Financial Plan by Mike Milligan | Kindle and Paperback Build: An Unorthodox Guide to Making Things Worth Making by Tony Fadell | Kindle and Hardcover About Mike Milligan, CFP®Mike Milligan, CFP®, is the Founder and Chief Financial Planner of One Oak Financial, where he helps families and business owners design simple, values-based financial plans that create clarity and long-term confidence. With more than 15 years of experience as a CERTIFIED FINANCIAL PLANNER™, Mike specializes in retirement planning, purposeful wealth-building, risk management, and personalized investment strategies. He is known for his relationship-driven approach and for helping clients navigate major life and career transitions with wisdom and financial stewardship. Mike also hosts educational workshops and community events focused on financial literacy and generational planning. Connect with Mike Website: Mike Milligan LinkedIn: Mike Milligan, CFP® Connect With UsIf you're looking to invest your hard-earned money into cash-flowing, value-add assets, reach out to us at https://bobocapitalventures.com/. Follow Keith's social media pages LinkedIn: Keith Borie Investor Club: Secret Passive Cashflow Investors Club Facebook: Keith Borie X: @BoboLlc80554
The holiday season is here, and the OM SYSTEM Holiday Savings Event continues. Right now, you can save up to $400 on many of the cameras and lenses that OM SYSTEM makes, including the popular travel camera, the OM-3. But that's not all: right now, almost every lens in the M.Zuiko lineup is on sale right now. Whether you're building your first OM SYSTEM kit or adding to an existing collection, there's never been a better time to go light without compromising on image quality. Check out the full lineup at explore.omsystem.com/petapixel or visit your local authorized OM SYSTEM retailer today!Now saving when you shop for your favorite gear at B&H Photo is even easier with the B&H Payboo Credit Card, which lets you Save the Tax — you pay the tax, and B&H pays you back instantly! (Save the Tax on eligible purchases shipped to eligible states.) Or you can pay over time with 6 and 12 month financing (on minimum purchases of $199 for 6 months, and $599 for 12 months). Terms apply, learn more at http://bhphoto.com/payboo.Credit card offers are subject to credit approval. Payboo Credit Card Accounts are issued by Comenity Capital Bank.Now for the fifth year in a row, PetaPixel has gathered its team together to gaze into the future and see the facts, the truths, that will come to pass in the camera industry in 2026. As always, we are prepared to be very wrong. Check out PetaPixel Merch: store.petapixel.com/ We use Riverside to record The PetaPixel Podcast in our online recording studio.We hope you enjoy the podcast and we look forward to hearing what you think. If you like what you hear, please support us by subscribing, liking, commenting, and reviewing! Every week, the trio go over comments on YouTube and here on PetaPixel, but if you'd like to send a message for them to hear, you can do so through SpeakPipe.In This Episode:00:00 - Intro (were you naughty or nice this year?)09:53 - No, Sony did not intentionally brick third-party lenses, Viltrox confirms13:17 - Sony a7 V dynamic range is really good15:41 - Ironically, The Stringer used photos from Dave Burnett without permission or attribution17:37 - About that 7Artisans Floral Bloom lens21:06 - Japan railway pleads with photographers to stop being dangerously dumb25:51 - Z9 got yet another firmware update26:38 - The CP+ Photo Show in Japan will be the biggest ever29:35 - BOLD Predictions for 2026, feat. DPReview's Richard Butler 1:28:14 - What have you been up to?1:37:02 - Feel good story of the week
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.
Get ready for a story of grit, giving back, and embracing opportunity, all served up with a side of cheeseburgers and community spirit.On this episode of Empowering Entrepreneurs, we sit down with Ron Ladner, co-founder of Shaggy's restaurants and a true embodiment of passion meeting purpose. Raised on the Mississippi Gulf Coast, Ron Ladner shares his journey from humble beginnings, growing up in a small, crowded home, to building a thriving restaurant group known for its uplifting culture and commitment to putting both employees and guests first.Throughout the conversation, Ron Ladner opens up about the pivotal moments that shaped his entrepreneurial path—including his realization that adversity, from economic downturns to hurricanes, can actually fuel opportunity and innovation. From lessons learned in the construction yard and on the sports field, to pioneering successful sales strategies and ultimately returning home to help rebuild his community after Hurricane Katrina, Ron Ladner offers listeners invaluable insights on resilience, leadership, and the importance of creating lasting impact.Plus, you'll hear how his love for fishing became part of his business, the unique culture he's built at Shaggy's, and what truly drives him beyond profits. Moments00:00 "Ron: Business Meets Passion"05:36 "Curiosity Drives Passion for Growth"07:16 "Working Through School & Summer"10:45 Switching Majors: Tech to Marketing15:30 Informative Networking Secrets20:16 "Life's Unexpected Journeys"23:32 "Committed to People and Purpose"25:10 Transforming Restaurant Employee Culture30:27 Opportunity in Setbacks34:54 From Cleanup to Business Partnership37:47 Fishing Boat Intern to Captain40:53 Holistic Employee Support Solutions45:20 "Shaggy's Cheeseburger Story"46:34 "Book Success and Audiobook Deal"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 our top three takeaways from the episode:People-First Culture Fuels Growth: Ron's ethos of surrendering 100% to both his team and his guests has revolutionized what it means to be in the restaurant business. His team's average tenure is four years, compared to an industry average of just 75 days. That is the true power of valuing your people.Turning Catastrophe into Opportunity: Ron's journey is a masterclass in resilience. After Hurricane Katrina devastated his community, he prioritized rebuilding not just his business, but the heart of his town. Out of challenges, opportunity—and Shaggy's—was born.Legacy Beyond Profit: True entrepreneurial success isn't just about the bottom line; it's about lifting others up. Ron's dedication to mentoring his employees, helping them grow professionally and personally, shows that impact outlasts income.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...
Jen Gaster: How she sold her business to her team (and kept the tax bill at zero)Jen Gaster launched HR Heads in 2008 at the height of the financial crisis with a six-month-old baby and zero income security.17 years later, she runs three brands, 22 people, and just completed an Employee Ownership Trust (EOT) transaction.Tax-free exit, 5-year payout. The employees own the business when the mortgage is paid off.One week after they completed the deal, Rachel Reeves changed the rules.EOT payments are now taxable for anyone doing it after the budget.Jen got in just in time.But here's what makes this story different.She built the business with her husband Rupert. Same office but separate brands and working processes (They've literally only attended one client meeting together in their entire lives!)This week on The RAG Podcast, Jen tells the full story.We cover:Starting a business during the 2008 financial crash with a babyWorking with your spouse without destroying your marriageWhy she admits "I don't think I'm a brilliant man manager"The EOT transaction and how they structured a tax-free exitHow Rachel Reeves' budget changed the rules one week after they completedWhy legacy mattered more than a trade saleThis isn't about building an empire.It's about a founder who wanted to reward the people who built the business with her and managed to do it without a tax bill.If you've ever wondered whether there's another way to exit, this episode has the blueprint.__________________________________________Episode Sponsor: AtlasAdmin is a massive waste of time. That's why there's Atlas, the AI-first recruitment platform built for modern agencies.It doesn't only track CVs and calls. It remembers everything. Every email, every interview, every conversation. Instantly searchable, always available. And now, it's entering a whole new era.With Atlas 2.0, you can ask anything and it delivers. With Magic Search, you speak and it listens. It finds the right candidates using real conversations, not simply look for keywords.Atlas 2.0 also makes business development easier than ever. With Opportunities, you can track, manage and grow client relationships, powered by generative AI and built right into your workflow.Need insights? Custom dashboards give you total visibility over your pipeline. And that's not theory. Atlas customers have reported up to 41% EBITDA growth and an 85% increase in monthly billings after adopting the platform.No admin. No silos. No lost info. Nothing but faster shortlists, better hires and more time to focus on what actually drives revenue.Atlas is your personal AI partner for modern recruiting.Don't miss the future of recruitment. Get started with Atlas today and unlock your exclusive RAG listener offer at https://recruitwithatlas.com/therag/__________________________________________Episode Sponsor: HoxoEvery recruitment founder is investing in LinkedIn.Spending thousands on Recruiter licences.Building connections. Posting content. Growing networks.But here's the question almost no one can answer:How much revenue is LinkedIn actually bringing into your business?Most founders have thousands of connections but no clear process to turn that attention into cash.That's the problem we solve.At Hoxo, we help recruitment founders build predictable revenue systems on LinkedIn, not just noise or vanity metrics.Our clients are turning LinkedIn into £100K–£300K in new billings within months, using their existing networks and a simple repeatable process.To show you how it works, we've created a short training video exclusively for RAG listeners.In less than 10 minutes,...
Near the end of the year, many practice owners scramble to buy new equipment just to lower their tax bill. But is that "last-minute" purchase actually hurting your bank account? In this episode, we break down why rushing into year-end spending can cripple your cash flow and how to navigate the complex rules of Section 179 deductions without getting flagged by the IRS.We also dive into the administrative "must-dos" that keep your practice compliant. We'll discuss the current 1099 reporting requirements (and the upcoming relief in 2026), how to unlock tax-free reimbursements for home rentals and mileage, and the critical deadlines you cannot afford to miss this January.Upcoming Tour Dates: Go to our EVENTS page for infoFacebook: Four Quadrants AdvisoryInstagram: @fourquadrantsadvisoryLinkedIn: Four Quadrants Advisory
Most business owners aren't losing opportunities because they're bad at what they do. They're losing because nobody knows they exist. Why? Because they refuse to show up. In this 12 Days of Giving episode, I'm back with my sister-from-another-mister, Kristina Hall of Hall Social Media, to talk about one brutal truth: at some point, you've got to just f*ing do it**. That idea you've been sitting on? That video you're scared to post? That content you've been overthinking for six months? Yeah. That.Kristina walks us through the story of Dr. Lawrence Green, a dermatologist outside D.C. with 25+ years in the game and serious credentials. For years, he wanted nothing to do with video. No Reels, no TikTok, no “get ready with me,” none of it. Then she pushed him—hard—into trying something new: drugstore skincare product reviews. He said no. His wife said yes. Kristina didn't let it go.What happened next is what everyone says they want, but almost nobody is willing to get uncomfortable enough to earn. Those videos exploded. Engagement went crazy. TikTok comments became a content goldmine. His social presence started backing up his expertise so strongly that now he's traveling constantly, speaking on stages, doing live Walgreens segments, and getting featured on Good Morning Washington—all because he finally leaned in and did the thing he was resisting.This episode isn't a fluffy “you got this” chat. We talk about ego, the fear of looking stupid, the hate and bots in your comments, and why NONE of that is paying your bills. Kristina breaks down why most posts aren't supposed to be home runs, why you should treat social like a numbers game, and why being stuck in “content jail” (200–500 views forever) is actually a data problem, not a worthiness problem.If you're an expert who “doesn't want to be a content creator,” this is your gut-check. You either keep hiding and slowly fall further behind… or you get over yourself, hit publish, and give your business a shot at the opportunities you say you want.
In this podcast episode, Brian Skrobonja takes us on a thought-provoking journey through the evolving concept of retirement. As we dive into the past, present, and future of retirement, Brian helps us unravel the complexities of this modern-day concept which, though deeply ingrained in our society, is relatively new in human history. This episode is essential for anyone planning for retirement, offering a fresh perspective on how to approach this significant life stage in the context of rapid societal shifts, economic developments, and increasing human longevity. We start off by exploring the concept of retirement and its transformation from ancient societies to the modern era. The Industrial Revolution marked a significant shift from agrarian societies to industrial ones, influencing how people viewed work and retirement. It even shaped the way that families and communities lived together. The change in how work was done over the centuries resulted in the creation of a retirement system based on pensions, which was the precursor to modern-day retirement benefits. In the 1900's, Social Security was introduced which shifted the responsibility from families and communities onto the government. In a relatively short period of time, the concept of retirement has changed drastically, and the pace of change is continuing to accelerate. Based on the way technology and healthcare are developing, it's very likely that retirement will look very different in the future as well. As the Baby Boomer generation progresses toward retirement, it will put tremendous strain on programs like Social Security and Medicare due to a considerably lower worker-to-retiree ratio than ever before in history. The programs and retirement paradigm will change, similar to the way that pensions underwent change. Pensions used to be the default vehicle for retirement but have become scarce and relegated, mainly for those with government jobs. According to the Social Security Administration, benefits are projected to run negative by 2033. And according to the Congressional Budget Office, the national debt is projected to reach $52 trillion in 2033. Life expectancy also continues to rise, which puts pressure on the current retirement paradigm from another angle. With new breakthroughs in human longevity, the concept of retirement will have to adapt. Retirement was once considered a necessary transition when a person was no longer productive in their work and had a short life expectancy once retired. Today, people retire when they're still fully capable of working. That reality is widening the chasm between the number of workers and retirees, as well as the financial resources needed to sustain retirement for longer periods of time. Retirement needs to be redefined, since the reality of shorter lifespans is no longer the case for most people. There are three factors that contribute to success in retirement. The first is contribution. The longer you contribute, the better. Perhaps redefining expectations after the age of 60 and looking toward a second half of life with a meaningful career or business may be called for. The second is prevention. The longer your retirement is, the more risks are amplified and can have a significant impact. Finding ways to move things into your control helps prevent unforeseen problems that put your retirement at risk. Examples of this include: insurance, annuities, and tax-free investments. The third is delegation. Retirement planning is a team sport. You can delegate the heavy lifting of a retirement plan to financial advisors, attorneys, insurance agents and CPAs and then use that collective wisdom to implement the actual plan. Mentioned in this episode: BrianSkrobonja.com Common Sense Financial Podcast on YouTube Common Sense Financial Podcast on Spotify References for this episode: https://www.washingtonpost.com/technology/interactive/2023/aging-america-retirees-workforce-economy/ https://www.ssa.gov/OACT/TRSUM/index.html https://www.cbo.gov/publication/58946 https://www.econlib.org/library/Enc/IndustrialRevolutionandtheStandardofLiving.html#:~:text=On%20the%20other%20hand%2C%20according,come%2C%20it%20was%20nevertheless%20substantial https://www.ssa.gov/history/lifeexpect.html#:~:text=Life%20expectancy%20at%20birth%20in,and%20paid%20into%20Social%20Security https://www.macrotrends.net/countries/USA/united-states/life-expectancy#:~:text=The%20current%20life%20expectancy%20for,a%200.08%25%20increase%20from%202020 https://www.diamandis.com/blog/mark-hyman https://www.kiplinger.com/taxes/what-to-do-before-tax-cuts-and-jobs-act-tcja-provisions-sunset 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. Our firm is not affiliated with or endorsed by any government agency.
Are you panicking because you owe the IRS money, but your only source of income is VA disability? What should you do? Here's some advice...Do you have tax debt? Call us at 866-8000-TAX or fill out the form at https://choicetaxrelief.com/If you want to see more…-YouTube: / @loganallec -Instagram: @ChoiceTaxRelief @LoganAllec -TikTok: @loganallec-Facebook: Choice Tax Relief // Logan Allec, CPA -Reddit: / taxrelief Mentioned Video Links:-You Don't Want to Play With the IRS: • You Don't Want to Play With the IRS -Offer in Compromise Guidelines + Formula: EXACTLY How Much to Offer to the IRS!: • Offer in Compromise Guidelines + Formula: ...
Steve Forbes explains how Congressional Republicans can push back on Democrats' successful efforts to portray them as wrong on healthcare, achieve good results for the American people, and regain momentum as the midterms near.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Send us a textIn this episode, Dr. Latifat sits down with a straight-talking CPA who reveals how too many physicians are unknowingly handing tens of thousands to the IRS. This isn't about loopholes—it's about legal, proactive strategy you probably haven't been taught. Whether you're W-2, 1099, or owning real estate, this episode will open your eyes to what you're missing.Top 3 Takeaways:Your CPA isn't automatically doing strategy—you need to ask and invest in it.There are legal ways to save 5–6 figures a year in taxes—you just haven't been shown how.Tax strategy isn't a rich-people thing. It's how regular high earners build multi-generational wealth.Natasha Dornbush, CPA is a tax strategist and small business CEO . She is "obsessed" with helping physician entrepreneurs save on taxes. Visit https://www.natashadornbush.com/ to learn more.If you are a woman physician who is ready to ditch money worries and overwhelm, you don't need to wait for the perfect time. You dont need a perfect plan. You definitely do not need a MBA. Check out our new program 6 to 7, where you learn all about simplifying money and making it easy for you to win financially. www.moneyfitmd.com/6to7You're making six or even seven figures—and still asking, “Where did all my money go?” The problem isn't your income—it's that you haven't learned how to have money left.The Money Left Over program gives women physicians the tools to uncover 4–5 figures in extra monthly cash and finally let your money start working for you.
'Responding To The Rebirth' - Justin Brierley and Glen Scrivener were joined by speakers Elizabeth Oldfield, Bishop Mike Royal, Prof John Lennox, Dai Woolridge, Rhiannon McAleer, Al Gordon, Rev Daniel French and Sarah Yardley.Justin present highlights from the London conference, including, talks, videos, panel conversations and audience Q&A. Access the conference videos in full: https://www.rebirthconference.net 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 29 show notes: https://justinbrierley.com/surprisingrebirth/season-2-episode-29-rebirth-conference 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
What if you could retire earlier than expected, access your savings without penalties, get health insurance subsidies, and pay no taxes for the first few years? Would you believe that's possible? In this episode of Retirement Answers, I explain how it can be done using a case study of a client named Joe where I break down the strategies and financial maneuvers used to help him retire at 55.
Josh Gordon is the Treasurer and Senior Vice President of Tax at Kyndryl. In this “Where Are They Now?” episode of On Tax, Josh returns to talk with Cravath partner and host Len Teti about Josh's career since he last appeared on the show as the Vice President, Finance – Controller for IBM Americas in Season 1. They also reflect on the value of staying open to unexpected opportunities and discuss how the synergy between certain business functions often has leaders in tax wearing multiple hats. Hosted on Acast. See acast.com/privacy for more information.
The Senate will not hold a market structure markup hearing this month, pushing any progress toward a new crypto law to next year.~This episode is sponsored by BTCC~BTCC 10% Deposit Bonus! ➜ https://bit.ly/PBNBTCC00:00 Intro00:10 Sponsor: BTCC01:40 Hiring recession01:50 Bloomberg: Markets choppy into christmas03:10 Market concentration04:00 Tom Lee talks about concentration. 2026 will look like 202506:00 Tom Lee: mini bear market incoming06:45 Tom Lee: If BTC doubles by January there is no 4-year cycle07:45 BTC liquidity flowing out09:00 Macro Slowing Regulation10:30 Government Shutdown odds11:00 Stimmy checks in January11:30 FOX tries to sell tax relief to viewers13:00 Bessent: on stimmy checks and AI14:50 Risk appetite is rising15:40 Tom Lee: AI is already disrupting industry17:00 Tom Lee: AI overvalued? Tom Lee redefines AI bubble19:50 Tom Lee: Why you invest in altcoins21:40 Fed rate cuts in 202622:50 Fed chair race heating up23:40 Outro#Crypto #Bitcoin #Ethereum~New Year Rally?
In this solo episode of Business, Finance & Soul, Shaun Enders breaks down why meaningful success in life, business, money, health, and relationships almost always unfolds over years, not weeks or months. Drawing from personal experience in entrepreneurship, investing, parenting, and athletics, Shaun explains how discipline compounds, why modern life is engineered against patience, and how learning to sit comfortably in the delay can change your future. If you're building something that matters and wondering why it feels slower than expected this episode will help you reframe timelines, trust the process, and stay committed to the long game.
If you think the IRS is always right because they “have the numbers,” this episode will shake that faith real quick.In this 12 Days of Giving episode, I'm back with Enrolled Agent, Morgan Q. Anderson, and she walks us through a real-life tax horror story that somehow turns into a Christmas win. A client invests in an alternative fund, the administrator bails, and out of nowhere a bogus 1099-R for $196,000 gets dropped on his file. The IRS treats it like gospel and grabs $116,000 of his refund for a tax bill on income he never actually received.We break down the whole thing: the original $90K investment, the reinvestment, the admin resigning because of an expired card, and then the lazy “we're done, here's a 1099-R, good luck” move. Morgan lays out how that one piece of bad paper turned into years of notices, threats, and stress—and how both the IRS and the account administrator basically played hot potato with responsibility while holding this guy's six-figure refund hostage.Then we get into the fight. Morgan walks through the timeline of building the case: documenting the transactions, proving the money was never distributed, pulling statements, getting a letter from the fund manager, and invoking the Taxpayer Bill of Rights—specifically your right to pay no more than the correct amount of tax. When the IRS dragged their feet for over a year with five “give us 90 more days” letters, she took it to the Taxpayer Advocate Service and finally forced movement.The best part? Not only did her client get the $116,000 refund back, the IRS also had to pay over $30,000 in interest on money they sat on for almost two years. That's why we call this a Christmas story. The system is messy and often unfair—but you're not powerless, and you're not crazy for questioning a notice.We close by turning this into a playbook: how to pull your wage and income transcript, why you need to update your address with every financial institution you touch, and why you should never let a scary letter push you into quietly overpaying tax you do not owe. This episode will calm your anxiety, piss you off a little, and give you very real steps to protect yourself this tax season.
The Office of Tax and Revenue (OTR) partnered with the DC Office of Cable Television, Film, Music and Entertainment (OCTFME) to launch a podcast just for DC taxpayers. Whether you're looking to better understand your taxes, stay up to date on what OTR is doing, or find out about resources you can actually use, this podcast is for you. Tune in on DC Radio 96.3HD4, YouTube, Spotify, Apple Music, and other platforms.
Are back taxes, IRS notices, or messy filings standing between you and your financial future?In this week's episode, Corwyn sits down with tax resolution expert Fabian Cruz to uncover how everyday people — investors and non-investors alike — can protect their income, avoid liens, eliminate tax debt, and take their life back through smart tax strategies.Fabian Cruz is the founder of CITO Tax Resolution, a firm dedicated to helping individuals and business owners resolve IRS and state tax issues. Inspired by helping his own parents overcome a devastating tax problem, Fabian has built a mission around one message: “You deserve your life back.Tax talk doesn't have to be intimidating — and Fabian proves it. He breaks down the real risks of unfiled taxes, explains how poor entity setup can trigger massive problems for real estate investors, and shares a powerful story of a client who owed $300,000 yet paid nothing after his team stepped in.Whether you flip properties, hold rentals, run a business, or just want peace of mind for your family, this episode gives you the tools to structure smarter, plan ahead, and protect the legacy you're building.Key Takeaways06:00 Why Fabian Started His Firm How a personal family crisis led to the creation of CDO Tax Resolution and the mission behind the tagline: “You deserve your life back.”10:00 The Hidden Dangers of Unfiled Taxes Understanding IRS penalties, liens, and how tax problems can block refinancing, dry up investment opportunities, and impact your credibility.12:00 The #1 Mistake Investors Make: Bad Entity Structure Why mixing personal and business finances is a huge red flag — and how proper LLC and holding company setup protects your assets.14:00 How a Farmer Beat a $300,000 Tax Debt A powerful real-life story showing how Fabian helped a business owner avoid collections entirely and protect his operations.16:00 Using Trusts to Protect Your Legacy How revocable living trusts allow families to avoid probate and ensure a smoother transfer of properties and businesses to the next generation.Planning for the Future: Asset Protection & Tax Mitigation From LLCs and S Corps to solo 401(k)s and self-directed IRAs — Fabian outlines the foundational tools business owners must use to stay compliant and save on taxes.Legacy Moment: Fabian reminds listeners that legacy isn't just about the assets you pass down — it's about creating systems that protect your family long after you're gone.Connect with Fabian:Website: https://citotax.com/Instagram: https://www.instagram.com/fabianpcruz/?hl=enConnect with Corwyn:Contact Number: 843-619-3005Instagram: https://www.instagram.com/exitstrategiesradioshow/FB Page: https://www.facebook.com/exitstrategiessc/Youtube: https://www.youtube.com/channel/UCxoSuynJd5c4qQ_eDXLJaZAWebsite: https://www.exitstrategiesradioshow.comLinkedin: https://www.linkedin.com/in/cmelette/Shoutout to our Sponsor: Country Boy HomesDo you remember your grandma's front porch? You know that spot where stories were told, kisses were stolen, and sweet tea was always being sipped. Now imagine giving your family a place to make those same memories, but in a brand new, energy-efficient, and home that was built just for you. At Country Boy Homes, we help folks just like you find that forever feeling.Whether it's your first home, your next home, or your, we're done with rent forever, like, seriously home, we specialize in affordable, durable, manufactured, and modular homes, the kind that make room for muddy boots, big dreams, and second helpings. Come see what coming home really feels like. Call 843-574-8979 today.Country Boy Homes, Built to Last, Priced for You.
Terry Ball – renowned shoe salesman, friend to former mafiosi – has vowed to spend his remaining years finding ways to cheat authorities he feels have cheated him. His greatest ruse? A tax-dodging snail empire By Jim Waterson. Read by Nicholas Camm. Help support our independent journalism at theguardian.com/longreadpod
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Andres Costa and Emily Goodman have acquired four accounting practices since 2021, expanding from a single location to five offices with a team of ten. They break down their acquisition strategy, from finding deals and structuring payment terms to handling employee transitions and raising client fees. Roger and Annie dig into the hard realities of practice valuations, including why a $350,000 firm might only be worth $200,000 and what sellers need to fix before they can command top dollarSponsorsPadgett - Contact Padgett or Email Jeff PhillipsGet NASBA Approved CPE or IRS Approved CELaunch the course on EarmarkCPE to get free CPE/CE for listening to this episode.Chapters(00:00) - Introduction and Greetings (00:52) - Meet the Special Guests: Andre and Emily (01:55) - The Importance of Acquiring Firms (02:46) - Starting the Acquisition Journey (07:11) - First Acquisition Experiences (13:16) - Evaluating Potential Firms (26:20) - Maintaining and Scaling Operations (33:22) - Structuring Acquisition Deals (33:59) - Client Retention Strategies (35:18) - Evaluating Firm Value (37:03) - Challenges with Small Firms (40:15) - Owner Financing Benefits (48:17) - Raising Client Fees (51:02) - Transitioning Clients and Employees (59:32) - Final Advice for Buyers and Sellers Follow the Federal Tax Updates Podcast on Social Mediatwitter.com/FedTaxPodfacebook.com/FedTaxPodlinkedin.com/showcase/fedtaxpodConnect with the Hosts on LinkedInRoger HarrisAnnie SchwabReviewLeave a review on Apple Podcasts or PodchaserSubscribeSubscribe to the Federal Tax Updates podcast in your favorite podcast app!This podcast is a production of Earmark MediaThe full transcript for this episode is available by clicking on the Transcript tab at the top of this pageAll content from this podcast by SmallBizPros, Inc. DBA PADGETT BUSINESS SERVICES is intended for informational purposes only.
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