Podcasts about Tax

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

Alicia and Dan kick off 2026 by diving into 27 pages of notes from Intuit Connect's Innovation Circle. They break down upcoming changes to bank feeds (including confidence indicators and MasterCard receipt capture), the new payroll agent that handles timesheets via text message, enhanced tax impoundment processes, and Intuit Intelligence's business analytics features. Most innovations are rolling out between spring 2026 and early 2027, with some already appearing in testing.SponsorsUNC - https://uqb.promo/unc(00:00) - Welcome to The Unofficial QuickBooks Accountants Podcast (00:48) - QuickBooks Online Innovations (01:44) - Bank Feed Enhancements (06:56) - Client Requests and MasterCard Integration (18:27) - Operational Software Hurdles Removed (19:27) - Text-Based Payroll Management (22:00) - Document Management and Employee Onboarding (28:12) - Tax Impounding and Auto Filing (35:02) - Intuit Intelligence and Business Analytics (42:46) - Upcoming Classes and Events LINKSAlicia's upcoming classes: 1099s in QBO, Jan 6: http://royl.ws/QBO1099?affiliate=5393907QBO Year-end Cleanup for Taxes, Jan 13: http://royl.ws/yearend?affiliate=5393907Connect with DanSchoolofbookkeeping YouTube: https://snip.ly/SOBYT Free Live Workshop Wednesdays: https://www.schoolofbookkeeping.com/workshop-wednesdayQB Power Hour Webinar 1099 Strategies: Is QB Enough? - https://www.qbpowerhour.com/ We want to hear from you!Send your questions and comments to us at unofficialquickbookspodcast@gmail.com.Join our LinkedIn community at https://www.linkedin.com/groups/14630719/Visit our YouTube Channel at https://www.youtube.com/@UnofficialQuickBooksPodcast?sub_confirmation=1 Sign up to Earmark to earn free CPE for listening to this podcasthttps://www.earmark.app/onboarding 

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

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

Flip Side Notes: Join an upcoming Beyond the Battle online group at www.beyondthebattle.net   Support Flip Side sponsor Angry Brew by using promo code FLIP at angrybrew.com or fivelakes.com to pick up some Angry Brew or Chris' Blend coffee at 10% off.   Get a free month of Covenant Eyes at www.covenanteyes.com using promo code BEYOND   Get a free month of Accountable2You keyword accountability: a2u.app/beyond (do not use “www”)   Your recurring gifts make Noah's ministry & The Flip Side possible. Get some sweet swag by becoming a patron at www.patreon.com/noahfilipiak – includes exclusive access to Noah's episode commentary, interaction, and email access. (Not tax-deductible)  Tax-deductible recurring gifts can be given at www.noahfilipiak.com/give.      Purchase Beyond the Battle and Needed Navigation by Noah Filipiak.

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

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

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

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

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

The year 2025 was one marked by political tension, policy decisions, and difficult choices for Nigeria.From economic reforms and tax debates to security operations and party politics, government actions continued to shape public conversation and daily life.On today's episode of Nigeria Daily, we take a closer look at the political events and policies that defined 2025, and what they reveal about Nigeria's governance and democratic journey.

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

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

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

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

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

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

Franco Terrazzano, federal director of the Canadian Taxpayers Federation and author of Axing the Tax: the Rise and Fall of Canada's Carbon Tax, joins Justin Blackwell to  what changes taxpayers should keep an eye on in the new year. Guest host Justin Blackwell revisits the year-end conversations Evan had with police leaders in the province: Saskatoon Police Service (SPS) Chief Cam McBride, Regina Police Service (RPS) Chief Lorilee Davies and Assistant Commissioner Commanding Officer Robin McNeil, Saskatchewan RCMP.

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

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

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

Understanding the Intricacies of Tax Law: A Deep DiveThis conversation provides a comprehensive overview of tax law, focusing on the Internal Revenue Code and its structure. It demystifies the complexities of tax law, emphasizing the logical framework that governs it. The discussion covers the role of the IRS, the differences between tax avoidance and evasion, and the intricacies of real estate taxation. Key strategies for navigating tax disputes and understanding tax classifications are explored, along with mechanisms for measuring gain and loss, tax deferral, and depreciation recapture. The conversation concludes with practical advice for law students and practitioners on how to approach tax law effectively.Tax law often conjures images of complex codes and daunting regulations. However, beneath this seemingly impenetrable surface lies a structured and logical system. In this post, we unravel the intricacies of tax law, focusing on its statutory framework and the pivotal role it plays in shaping economic behavior.The Architecture of Tax Law: Tax law is fundamentally statutory, with the Internal Revenue Code serving as its backbone. Unlike other areas of law, where judicial opinions shape the landscape, tax law is primarily driven by Congress. This statutory nature rewards methodical analysis and precise application, making it a unique field within the legal system.The Dual Purpose of Tax Rules: Every tax rule serves two masters: revenue generation and policy implementation. Congress uses the tax code to influence economic behavior, encouraging investments and penalizing certain activities. Understanding this dual purpose is crucial for navigating the complexities of tax law.The Hierarchy of Authority: Navigating tax law requires an understanding of its hierarchy of authority. At the top are the statutes, followed by Treasury regulations, which carry significant weight. Below these are revenue rulings and procedures, which provide guidance but lack the binding authority of regulations.Real Estate and Tax Classification: In real estate, classification is key. The purpose for which a property is held determines its tax treatment, affecting deductions, depreciation, and the character of gains or losses. Mastering these classifications is essential for effective tax planning and compliance.Conclusion: Tax law, often viewed as a burden, is a powerful tool for economic incentives. By understanding its structure and purpose, legal professionals can navigate its complexities and leverage its provisions for strategic advantage. As you delve into the world of tax law, remember that the code is your guide, and methodical application is your ally.Subscribe now to stay updated on the latest insights in tax law and other legal topics.TakeawaysTax law is structured and logical, contrary to common belief.Understanding the hierarchy of tax law is crucial for analysis.The IRS plays a significant role in interpreting tax law.Tax avoidance is legal, while tax evasion is not.Real estate classification is key to tax outcomes.Section 1231 provides beneficial treatment for certain assets.Recognized gain is generally required unless exempted by law.The boot rule affects recognized gain in exchanges.Long-term holding periods can mitigate tax liabilities.Always start tax analysis with the statute itself.tax law, Internal Revenue Code, tax court, IRS, tax avoidance, real estate taxation, tax strategies, depreciation, tax deferral, tax policy

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———————————————————————Feeling profitable but strangely broke? We dig into the hidden gap between production and collection that trips up so many UK dentists, then show how to fix it with clean bookkeeping, correct revenue recognition, and a simple 13-week cash forecast. You'll hear why tax hits in late December and January drain liquidity, how deposits can inflate reported profit and accelerate tax, and what it takes to line up costs with completed treatment so your numbers tell the truth.Together we reframe the whole picture: profit is teeth, cash flow is gums, and both must be healthy. We break down common accounting mistakes in Xero and QuickBooks, explain when revenue should be recognised, and map out a weekly process to track net cash collected versus total outflows, including assets and loan payments. You'll learn to ringfence working capital for the next 90 days, set aside tax with confidence, and identify genuine excess cash you can deploy into growth without fear.We also tackle mindset and habit. When the bank balance is high, owners overspend; when it's low, panic kicks in. Data replaces emotion. With a living forecast, you can choose the right lane for your practice, avoid nasty surprises, and time investments like scanners, marketing, or training to match your cash runway. If you've ever asked “Why do I feel broke when my accounts show profit?”, this conversation gives you the clarity, language, and tools to change it.———————————————————————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

Tax season is almost here, and returning clients get priority. Dr. Friday reminds listeners to secure their appointment before the schedule fills. 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. So all of you that are listening that are my already existing tax clients—hopefully you have already set up your tax appointments. If not, you need to be going to drfriday.com, clicking on “schedule,” and making your appointment ASAP. If you don’t see an appointment available, please call our office at 615-367-0819. One of us will answer the phone, and we’ll get you put on the schedule because it is booking up fast. I want to make sure I have all my returning clients. If you’re a new client, we'll also be trying our best to get you in—but returning clients, number one. 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.

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

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

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

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

Your tax debt is catching up to you. Will your car be something to worry about? Let's take a look... 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   

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

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

Introduction December 27th brings sudden urgency—just four days remain to implement critical year-end financial strategies that could save thousands in taxes, reduce portfolio risk, and position retirement accounts for 2025 success. Most people spend more time planning vacations than reviewing their largest asset: their retirement portfolio. But the market’s strong multi-year run has created hidden dangers in 401(k) accounts, particularly for those approaching retirement who haven’t rebalanced in years. In this episode of The Tom Dupree Show, Tom Dupree and Mike Johnson provide an essential year-end checklist covering portfolio drift, account consolidation, tax-smart charitable giving, target date fund dangers, and fraud protection as scam season intensifies. Portfolio Drift: The Silent Risk Multiplier What Five Years Did to Your 401(k) If you established a 60/40 portfolio (60% stocks, 40% bonds) five years ago and never rebalanced, you’re sitting on dramatically more risk than intended. “If you had a 60-40 split in 2020, today you’re at about 76% stocks if you’ve made no changes,” Mike Johnson explained. “And your account’s worth 20 or 30% more, so there’s more dollars at stake, at risk.” The drift problem: Stocks outperformed bonds over five years Your stock allocation grew from market gains Total account value increased substantially Risk exposure multiplied Example: $500,000 in 2020 (60% stocks = $300,000) is now $650,000 with 76% stocks = $494,000 in equities. Your stock exposure grew 65%. S&P 500 Concentration Risk “About 40% of the S&P 500 is allocated to tech and high multiple stocks,” Mike noted. “If it’s been on autopilot, now is as good a time as any to look at it critically.” Market Corrections Are Inevitable “On average, every year you have a 10% drop in the market. That’s just the cost of admission,” Mike explained. “We had one back in April—it was closer to 20%. You were looking at 40, 50% drops in some things.” “A lot of people have forgotten how—and even that they should—play defense, especially when you’re getting close to retirement,” Mike cautioned. Year-end action: Check your actual allocation today. If stocks exceed your risk tolerance, rebalance before December 31st. Account Consolidation: Simplify Now The Multiple Account Problem “People’s thinking is, if I have this account over here and this account over here, I’ve got more money,” Tom observed. “When they consolidate those accounts, every one of those five pieces put together as one is gonna get managed better.” Hidden Costs of Scattered Accounts “It’s really hard to track performance if you have multiple accounts,” Mike explained. “It’s much simpler, much more accountable when it’s all consolidated together.” Problems with scattered accounts: Impossible to track overall performance Multiple RMD calculations Complex tax reporting Higher fees (missing breakpoint discounts) Poor overall portfolio coordination Mike’s consolidation benefits: “Proper investment to reach your goals, performance tracking, tax reporting, tax planning, and possible discounts on fees.” Year-end action: List all retirement accounts—schedule consolidation to simplify 2025 RMDs and reduce fees. Tax-Smart Year-End Strategies Strategy 1: Gift Appreciated Stock “Let’s say you give $10,000 a year to charity. You can gift those appreciated shares of stock to the organization,” Mike explained. “You can put that money right back into your brokerage account and reinvest it. You could even repurchase the same stock.” The double benefit: Charitable deduction for full market value Avoid capital gains tax on appreciation Example: Stock purchased for $4,000, now worth $10,000. Gift it, avoid $6,000 capital gain, use the $10,000 cash to buy it back. Strategy 2: Qualified Charitable Distribution “If you’re of the age where you have required minimum distributions, you can do a qualified charitable distribution,” Mike explained. “If you gift the RMD straight to the charity, it never flows through as taxable income to you.” QCD advantages: Counts toward RMD requirement Reduces adjusted gross income Lowers Medicare premiums Reduces taxes on Social Security Works even if you don’t itemize Year-end deadline: Execute stock gifts or QCDs before December 31st to count for 2024 taxes. The In-Service Rollover: Plan Three Years Ahead Act at Age 59½—Even While Working “At 59 and a half, you can do what’s called an in-service rollover,” Mike explained. “Even if you’re still employed and working, you can move over the balance of your 401(k) to an IRA and invest it more specifically for your situation.” The Three-Year Retirement Transition “Let’s say you’re 59 and a half and planning on retiring at 62. You can do that rollover, get the funds invested into an income-producing portfolio,” Mike detailed. “While you’re working, that income just reinvests back in. But when you hit 62, that portfolio’s already in place, it’s already working, and literally it’s linked to your checking account.” Tom emphasized the benefit: “It makes the retirement process more comfortable because you’re not leaving work and at the same time coming in brand new, getting comfortable with our investment approach. You’ve planned for it.” The seamless transition: Portfolio established 2-3 years before retirement Dividends reinvest while still working At retirement, switch to income payout mode No adjustment period or uncertainty Year-end action: If age 59½+, investigate in-service rollover options. Target Date Funds: Hidden Dangers The Collective Investment Trust Problem “52% of the assets in target date funds—over $2 trillion—are now in collective investment trusts,” Mike reported. What makes CITs dangerous: “A collective investment trust—they’re not required to register with the SEC,” Mike explained. “They don’t have to report, as transparently, all the internal fees. And they’re allowed to hold more illiquid investments inside of them.” The Blue Rock Disaster “There was a private real estate fund—the Blue Rock Total Income Fund,” Mike detailed. “The net asset value when it was private was about $24 a share. They decided to go public. The fund closed the day it went public at $14.70.” Investor loss: 39% immediately when real market pricing was revealed. “The NAV was bogus. It was totally bogus,” Mike concluded. The Vanguard-TIAA Annuity Trap “Vanguard announced they’re partnering with TIAA, and the target date fund automatically enrolls the investor in an annuity,” Mike reported. “What they’re hoping is that these people that have been on autopilot for 40 years—they’re not gonna change from being on autopilot at year 41,” Mike explained. “It’s just gonna automatically roll into these annuities. This is a money grab to keep the assets locked in.” Why Dupree Financial Group Avoids Them “We don’t use target date funds. We don’t like what the target date fund does to the client’s return,” Tom stated. “It’s about having all your money in one spot the day you retire. That money doesn’t need to be in one spot. It needs to be growing and throwing off dividends.” Mike: “The target date’s all based on historical averages. It doesn’t take into account what’s going on in the market or your situation.” Year-end action: If in a target date fund, research what’s actually inside it before the “glide path” continues. Year-End Fraud Alert: Peak Scam Season The January-February Surge “This time last year, at the first of the year, was one of the biggest fraud pushes that we’ve seen,” Mike warned. “As we get close to the end of the year, be diligent and protect yourself.” Sophisticated Team Operations “These fraudsters are very convincing. They sound like us. They sound like an advisor,” Mike explained. “They’ll bring somebody onto the line. They’ll keep people on the line for three hours. They’ve gotten used to handling objections.” Real Client Losses “We heard two in a row from our clients—older women, same amount: $10,000 each,” Tom recounted. “One woman could afford it. The other one really couldn’t.” The Defense Strategy “The first line of defense is you, the client,” Mike stated. “If you have something that pops up on your screen—don’t click there. If somebody calls—call somebody. Call a trusted person. If you’re a client of ours, call us. But do not take action on any of these things.” Critical warning: “Do not verify within their ecosystem. They say, ‘We’ll let you verify,’ and then they transfer you. They’re all working together.” Tom’s advice: “Get off the phone or don’t click on things and get somebody that you trust to find out exactly what’s going on.” Year-end vigilance: Never click pop-ups, never transfer money based on calls, always verify independently. Your Year-End Action Plan Critical Tasks Before December 31st ✓ Check portfolio drift – Verify stock/bond allocation matches risk tolerance ✓ Rebalance if needed – Reduce risk before 2025 ✓ Execute charitable strategies – Gift stock or make QCD before deadline ✓ Consolidate accounts – Simplify RMDs and reduce fees ✓ Research in-service rollovers – If 59½+, investigate options ✓ Review target date funds – Understand holdings before glide path continues ✓ Increase fraud vigilance – Peak scam season protection Questions Before Year-End What’s my actual current allocation? How many retirement accounts do I have scattered? Am I missing tax-saving charitable strategies? Do I understand what’s in my target date fund? Am I 59½+ with rollover options available? The Bottom Line With days remaining in 2024, retirement investors face critical decisions affecting taxes, risk exposure, and 2025 positioning. Portfolio drift has likely pushed your stock allocation far beyond original intentions. Target date funds may contain illiquid investments, opaque fees, and automatic annuitization. But opportunities exist: tax-smart giving, consolidation, in-service rollovers, and rebalancing. “All of these things fit into more of a holistic long-term retirement financial plan,” Mike concluded. “You want everything moving in the right direction to accomplish your goals.” Schedule Your Portfolio Review Is your portfolio drifted into dangerous territory? Missing tax-saving strategies? Approaching retirement without a transition plan? Call (859) 233-0400 or schedule your complimentary portfolio review. Dupree Financial Group – Where we make your money work for you. Important Disclosures Dupree Financial Group is a registered investment advisor with the U.S. Securities and Exchange Commission (SEC). This content is for informational purposes only and does not constitute investment advice, tax advice, or a solicitation. Past performance does not indicate future results. All investments involve risk, including potential loss of principal. Tax strategies should be reviewed with a qualified tax professional. Before making investment or tax decisions, consult qualified professionals. For more information, review our Form ADV Part 2A at www.adviserinfo.sec.gov or call (859) 233-0400. The post Year-End Financial Planning Checklist: Critical Actions Before December 31st appeared first on Dupree Financial.

Did your tax debt accumulate penalties and interest? Looking to erase it? How possible is it? Let's take a look...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   

Boxing Day may not be a U.S. holiday, but Dr. Friday uses it to remind everyone: you only have a few days left for 2025 tax-saving actions. 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. Happy Boxing Day. I know you guys don’t do that in the United States, but all of us Aussies do. And so basically just, you know, enjoy the day. Meanwhile, think about taxes. We have like four days left. And if you’re gonna do anything to save taxes, you have to write the checks pretty much now to reduce your taxes. Holding back people’s checks doesn’t really work. I’ve had a couple cases where people get 1099s for the total amount—even if they didn’t put it in the bank. There are ways around that, but make sure you understand your numbers. Make sure you know when you’re saving tax dollars and when you might not be. If you have questions, you need to make the appointment ASAP at 615-367-0819. You can catch the Dr. Friday Call-in Show live every Saturday afternoon from 2 to 3 p.m. right here on 99.7 WTN.

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———————————————————————What if the fastest way to grow a dental practice is not a new scanner, but a new agreement? We sit down with Lisa, a former dental nurse who became a practice stakeholder, to unpack how equity, trust, and smart systems turn a busy clinic into a resilient, two-site business that serves patients better and performs stronger.Lisa shares the early lessons she took from running operations in a GP super centre: finance visibility, team training, and the simple truth that people remember how you make them feel. Those foundations shaped a strategy that moved a three-person team into a private-led model with an NHS arm ring-fenced in a nearby site for stability and optionality. We talk openly about when equity for a practice manager makes sense, why it should be a cherry not a carrot, and how small ownership stakes can unlock the discretionary effort owners quietly hope for but rarely earn.We dive deep on incentives that work—like sharing a slice of verified stock savings—and why owners who cling to cash starve growth. The numbers matter: monthly KPIs, white space costs, staffing ratios, and fee calibration can add six figures without longer clinical hours. And then there's the biggest lever of all: communication. Lisa breaks down the ten-second phrases that de-escalate complaints, the reception scripts that convert more enquiries into appropriate appointments, and how AI call reviews help front-of-house master tone, empathy, and listening.If you're an owner or manager who wants fuller diaries, fewer fire drills, and a team that thinks like partners, this conversation hands you the blueprint: align incentives, measure what matters, and coach the words that win trust. Subscribe, share this with your practice lead, and leave a review telling us one change you'll make this week.———————————————————————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

Alicia runs through the latest QuickBooks Online updates rolling out this holiday season, from enhanced client request routing in the banking feed to the completely redesigned sales tax center. She covers new time tracking integrations, the text-based payroll agent, modern report improvements, and explains why toggling that sales tax checkbox doesn't actually change product taxability—a common source of reporting discrepancies that trips up many users.SponsorsDigits - https://uqb.promo/digits(00:00) - Welcome to the Christmas Edition (00:59) - QuickBooks Online: New Features and Improvements (01:41) - Account and Settings Updates (02:47) - Banking Feed Enhancements (04:55) - QuickBooks Time Integration (07:04) - Sales Tax Center (17:05) - Modern Reports: New Features (21:03) - Backup and Restore Utility (23:44) - Payroll Agent and Time Tracking (26:25) - Upcoming Classes and Final Thoughts LINKSAlicia's QBO classes related to this episode:Bank Transactions Feed: http://royl.ws/QuickBooks-Online-Banking?affiliate=5393907Sales Tax: http://royl.ws/SalesTax?affiliate=5393907QBO Advanced: http://royl.ws/QBO-Advanced?affiliate=5393907QBO Payroll and QB Time: http://royl.ws/payroll-perfection?affiliate=5393907Alicia's Running Reports for Advisory class: http://royl.ws/Reports?affiliate=5393907Alicia's Advanced Reporting class: http://royl.ws/advanced-reports?affiliate=5393907Rewind for backups: http://royl.ws/RewindAlicia's upcoming classes: 1099s in QBO, Jan 6: http://royl.ws/QBO1099?affiliate=5393907QBO Year-end Cleanup for Taxes, Jan 13: http://royl.ws/yearend?affiliate=5393907We want to hear from you!Send your questions and comments to us at unofficialquickbookspodcast@gmail.com.Join our LinkedIn community at https://www.linkedin.com/groups/14630719/Visit our YouTube Channel at https://www.youtube.com/@UnofficialQuickBooksPodcast?sub_confirmation=1 Sign up to Earmark to earn free CPE for listening to this podcasthttps://www.earmark.app/onboarding 

Navigating Big Business in Small Town America with Pathfinder AccountingIn this episode of 'Small Town Big Business,' hosts Jennifer Olson and Russell Williams are joined by Brendan Morgan of Pathfinder Accounting and Tax. Brendan shares insights into his specialized CPA firm that focuses on client accounting services, advanced bookkeeping, tax planning, and accounting consultancy. He discusses his journey from New York to Southern Illinois, the evolving landscape of remote work, and his passion for integrating technology into accounting practices. Brendan also explores his community involvement through the Southern Illinois Community Foundation and the Boys and Girls Club, highlighting the importance of local engagement. Additionally, the episode covers practical advice for small business owners on managing bookkeeping, automating administrative tasks, and transitioning accounting services efficiently.00:00 Welcome to Small Town Big Business00:11 Meet the Hosts: Jennifer Olson and Russell Williams00:59 Introducing Brendan Morgan from Pathfinder Accounting and Tax01:10 Pathfinder Accounting and Tax: Services and Specializations02:42 From New York to Southern Illinois: Brendan's Journey03:46 Starting a Business in Marion: Challenges and Opportunities05:52 Clientele and Services: Who Benefits from Pathfinder09:20 Community Involvement and Networking13:19 Automation and Efficiency in Business21:51 Upskilling and Workshops22:33 Bookkeeping Essentials for Small Businesses26:17 Outsourced CFO Services28:52 Community Involvement and Nonprofit Work34:37 Transitioning Bookkeeping Services36:56 The Future of CPA Profession40:20 Finding and Contacting the Business41:21 Conclusion and AcknowledgementsRecorded at EThOs Small Business Incubator and Co-working Spaces in Marion, Illinois.https://members.ethosmarion.org/ SUBSCRIBE TO THE PODCASTOur guest: https://www.pathfinderaccounting.co/

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

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

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

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

Have you ever wondered why so many people dream of early retirement but never actually do it? In this episode, I dive into the most common fears that hold people back from their dream retirement.

Send us a textIn this game-changing episode of The Wealth Vibe Show, host Vinki Loomba sits down with Beau Turner, founder of Abundant Minds, to explore how Bitcoin mining is reshaping the landscape of passive income and digital asset investing. A former real estate investor turned Bitcoin miner, Beau shares his journey, the setbacks he overcame, and how he's helping investors tap into Bitcoin cash flow—without becoming tech experts.Key Insights:From Real Estate to Digital Infrastructure: Why Beau sold his real estate to build data centers for Bitcoin mining—and how it opened a new path to financial freedom.Passive Income, Reimagined: How owning a Bitcoin miner can produce cash flow like a rental property—without the tenants or toilets.Tax-Advantaged Wealth: Discover how Bitcoin mining offers depreciation and tax savings like real estate, making it a smart play for high-income earners.Demystifying the Tech: You don't need to be a tech genius—Beau's team handles everything from setup to maintenance in their Oregon-based data centers.Energy as Opportunity: Why Bitcoin mining helps stabilize energy grids, repurposes wasted power, and creates local jobs—yes, including feeding families.Vision for the Future: Bitcoin is not just a currency—it's a reserve asset in the making. And the next decade is the digital gold rush. Episode Timestamps:00:00 - 04:10: Beau's shift from real estate to Bitcoin mining04:10 - 09:24: Building Abundant Minds after a major loss09:24 - 14:24: Active vs. passive mining and what it takes to maintain miners14:24 - 20:18: Tax advantages and structuring investments for high-income earners20:18 - 26:53: How mining generates income & Bitcoin's global potential26:53 - 33:09: Real estate meets digital infrastructure—data centers explained33:09 - 39:35: Common misconceptions about Bitcoin and how mining stabilizes energy grids39:35 - 45:34: Bitcoin as an impact vehicle and redefining wealth45:34 - 48:31: How to get started with Abundant Minds & rapid fire with Beau

In this special episode, we bring you a practical, high-context walkthrough of early-stage investing hosted by the San Diego Angel Conference (SDAC). With insights from the Pillsbury ECVC legal team and SDAC organizers, this session offers angel investors - both new and experienced - a clear breakdown of key financing instruments like SAFEs, convertible notes, and priced equity rounds.We cover the structure and implications of different entity types (C-Corps, LLCs, S-Corps), the nuance behind valuation caps and discounts, the benefits of pro rata rights, and the tax advantages of Qualified Small Business Stock (QSBS). Whether you're gearing up for Fund 8 or thinking about writing your first check, this session equips you with the frameworks and real-world insights you need to invest smarter.Key Topics Covered* Why SDAC is building year-round investor education & networking events* Overview of startup legal structures: LLCs vs. C-Corps (and why Delaware still leads)* What investors should understand about SAFE agreements* How post-money valuation caps really work (and how they differ from discounts)* Why side letters can protect your upside: pro rata, info rights, MFNs, and more* How convertible notes differ from SAFEs and when they might be preferable* Real red flags on cap tables and what they tell you about a company's past* What to know about Zombie SAFEs (and how to avoid them)* Tax advantages of Qualified Small Business Stock (QSBS) and recent updates to eligibility* The evolving dynamics of angel rounds, bridge financing, and recapitalizationsLinks & Resources* San Diego Angel Conference Website* Qualified Small Business Stock Overview – IRS This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit risingtidepartners.substack.com/subscribe

April co-founder and CEO Ben Borodach joins Fund/Build/Scale to break down how he built a compound startup in one of the hardest markets in fintech: U.S. taxes. We talk about why some problems can't be solved with a simple wedge product, how to sequence engineering, compliance, and distribution, and what it takes to operate inside complexity for years before the market catches up. Ben shares the early customer discovery work, the “science experiments” that shaped April's product, and the cultural frameworks he and his co-founder developed before they wrote any code. If you're an early-stage founder deciding what to build — or how to build it — this episode offers a clear playbook for choosing hard problems and de-risking them the right way. RUNTIME 48:00   EPISODE BREAKDOWN 01:08  How Ben and Daniel met + connecting over complex data problems 01:47  Ben's background: Deloitte, crypto infra, cyber, fintech 02:51  Why pick tax? Choosing a hard, high-impact market 03:44  Outdated incumbents + the opportunity hidden in “don't touch that” markets 04:57  Why tax innovation is so rare: regulatory hurdles and decades-old engines 05:29  Founder-market fit: complementary backgrounds + AI expertise 06:38  Translating congressional law into code + achieving 20× engineering leverage 07:25  The pseudo-manifesto: conflict resolution, culture, and founder alignment 08:40  What “compound startup” means and why narrow wedges don't work in B2B 09:57  Stitching data, workflows, and software into a flexible platform 10:39  Building for multiple configurations across financial institutions 11:26  How complexity becomes a moat 13:01  Why compound startups require longer gestation and patience 14:46  Sequencing layers: engine → coverage → interfaces → embedded infra 15:50  The rigid annual regulatory calendar and “Manhattan-style” planning 17:13  Serving customers early: friction with the market by design 18:46  Manual work vs. automation: the constant balancing act 19:27  The early KPI wasn't revenue  it was proving technical and trust viability 20:46  Running “science experiments” to de-risk assumptions 21:16  Investor expectations vs. seasonal learning cycles 22:47  Surviving four years of annual gauntlets before scale 23:02  Inside the regulatory maze: IRS approval, state forms, arbitrary specs 24:04  Data governance challenges: CCPA, IRS 7216, portability 25:20  Why April participates in the industry's private governance body 26:18  Why April chose embedded distribution over a consumer app 27:32  The crumbling moats of financial institutions 29:08  Tax as the missing data layer enabling personalization 30:47  How customer discovery differed across banking, wealth, and SMB 31:07  Thousands of conversations across dozens of institutions 32:51  What April had to prove at Seed, Series A, Series B 33:49  Why rigid VC benchmarks can be unhelpful for complex companies 37:02  Headcount growth: seed → A → B 38:20  Why Ben doesn't interview every employee anymore 39:48  Founder evolution: doing → delegating → maintaining quality 40:55  Resilience, wellbeing, and founder longevity 41:39  The mythology of 996 and why it's unsustainable 44:07  The most common mistakes first-time fintech founders make 46:14  The one question Ben would ask if he were interviewing a founder LINKS Ben Borodach April Daniel Marcous april Raises $38M Series B to Embed Tax into Every Financial Decision April Careers   SUBSCRIBE

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

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

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!