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RIA Advisors' Financial Guardrails are timeless principles for building lasting wealth and protecting your financial future. Richard Rosso, CFP®, shares insights from decades of experience helping investors avoid common pitfalls and build financial wellness that lasts generations. From annuities and debt control to emotional investing and realistic return expectations, these guardrails are designed to keep you on track — no matter what markets do. 0:20 - Rules Can Save You in a Turbulent World 3:17 - Annuities Should Be Planned, not Sold 9:34 - A Home is a Liability, not an Asset 12:37 - Setting Good Financial Boundaries with Adult Children 15:25 - Debt Control & Savings Priorities 17:45 - Dealing with Student Loan Debt 19:33 - Personal Un-secured Debt - Credit Cards 22:03 - Good Health in Retirement 24:15 - Realistic Projections, Time Horizons, & Inflation Factors 27:33 - Be Vigilant of Confirmation Bias & Emotion 32:35 - Create a Household Wellness Evolution Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=MM5vwaXJyls&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=8s ------- Articles Mentioned in Today's Show: "The RIA Financial Guardrails" https://realinvestmentadvice.com/ria-e-guide-library/ -------- The latest installment of our new feature, Before the Bell, "Buy-the-Dip Isn't Dead Yet" is here: https://www.youtube.com/watch?v=UU_zCk3hYhs&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our Previous Show, "Nvidia's Money Loop: Smart Move or Red Flag?," is here: https://www.youtube.com/watch?v=PBMx8sckBhk&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=5s ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #FinancialPlanning #WealthManagement #InvestingTips #RetirementPlanning #MoneyMindset
On this episode of The Sick Podcast, Craig Button joins Tony Marinaro to discuss the goalie controversy in Montreal between Samuel Montembeault and Jakub Dobes, Nick Suzuki, the different between Ivan Demidov and Matvei Michkov and more. Later in the show, Pierre LeBrun joins Tony to discuss if Samuel Montembeault and Nick Suzuki will make Team Canada, if Steven Stamkos is a real possibility for the Habs and more! Learn more about your ad choices. Visit megaphone.fm/adchoices
Hour 1 of Jake & Ben on November 6, 2025 The Utah Jazz lost to the Pistons last night. They really struggled finishing in the paint, something that will continue to be an issue without Walker Kessler. Top 3 Stories of the Day: Texas Tech Mega Booster Cody Campbell joined DJ & PK earlier today and he had a lot of great insight. Broncos vs Raiders on Thursday Night Football tonight. And more on how the Jazz are impacted by losing Walker Kessler. Kevin Durant was seen chirping with Tee Morant. The Grizzlies really messed up when they handed the franchise over to Ja.
Jake & Ben's Top 3 Stories of the Day: Texas Tech Mega Booster Cody Campbell joined DJ & PK earlier today and he had a lot of great insight. Broncos vs Raiders on Thursday Night Football tonight. And more on how the Jazz are impacted by losing Walker Kessler.
At ITC Vegas, industry experts explain how InsurTech is empowering adjusters, speeding up payouts, and driving more ethical, empathetic decisions across claims. Claims Journal’s Kelly De La Mora … Read More » The post Top 3 Ways InsurTech Is Transforming Claims | ITC 2025 appeared first on Insurance Journal TV.
It's common practice for die hard politicos on both sides to root in primary elections for the opposition candidate they feel they can most easily beat. It's a fool's errand. The near-term future and the not-so-distant future of the Democrat Party that played on Tuesday
Hour 1 of Jake & Ben on November 5, 2025 The initial College Football Playoff rankings were released last night. BYU checks in at No. 7 and Utah is at No. 13. Are these rankings fair at this point in the season? Top 3 Stories of the Day: Jazz at Pistons tonight, Clayton Keller hits an Overtime Game Winner for the Mammoth, BYU & Utah ranked in CFP Rankings. NBA Official Pool Reports are stuipd
Top 3 Stories of the Day: Utah Jazz at Detroit Pistons Tonight, Clayton Keller wins it in OT for the Mammoth, BYU & Utah make Initial CFP Rankings
A story referred to a woman as being "rip-roaring drunk" and that led to us asking for your top 3 terms for being drunk!
Send us a text2026 will see incredible disruption. How can the solo-entrepreneur or SMB be ready?These top 3 risks reflect what is likely to occur, from a tariff tsunami, to AI phishing / spoofing to a race to tax corporations, chasing them across the globe.Are you ready to exploit the opportunities, are you prepared to have your reputation challenged by an AI bot pretending to be you?https://preparednesslabs.caDISCLOSURE Information shared here is for educational purposes only. Individuals and business owners should evaluate their own business strategies, and identify any potential risks. The information shared here is not a guarantee of success. Your results may vary.Copyright © 2025.Support the showhttps://preparednesslabs.ca/
Ständige Erreichbarkeit, volle To-do-Listen und Zeitdruck – Stress gehört für viele zum Alltag. Doch wie schaffen wir es, unser Stresslevel zu senken und entspannter durch den Tag zu gehen? In dieser hörensWERT-Folge tauchen wir ein in die Welt der Stressbewältigung und teilen mit dir unsere Top 3 erprobten Tipps:So helfen dir kleine Pausen und Bewegung, auch in stressigen Zeiten durchzuatmen.Mit Atemtechniken wie Box Breathing blitzschnell entspannen.Ernährung für starke Nerven – diese Lebensmittel tun deinem Körper und Geist besonders gut.Lass dich inspirieren und hol dir praktische Strategien für einen stressfreien Alltag, die du direkt umsetzen kannst. Jetzt reinhören und dein Leben entspannter machen! Host: Max Hergt
Townie Top 3 with Rich RetyiSee omnystudio.com/listener for privacy information.
Today's show is gonna go deep. Brad Keithley from Alaskans for Sustainable Budges is gonna give us the Weekly Top 3. This week's Topics: CA Taxes less than Alaska's? K-12 Task Force on Education FUNDING needs to answer the question of how to FUND what they want; The irony of Alaska's SNAP funding "crisis". Then in hour two we'll have an early segment with our own Chris Story who'll give us an update on the Fair Tax act, then finish up with our weekly PMA boost.
If the polls, and for that matter the betting markets, prove to be accurate, it figures to be a good day for progressives in the limited election action taking place across the country.
Top 3 Stories of the Day: AJ Dybantsa shines in BYU win over Villanova, LJ Martin expected to play against Texas Tech, JJ Peterka homecoming tonight in Mammoth at Buffalo Sabres.
Hour 1 of Jake & Ben on November 4, 2025 Keyonte George had another great game last night in the Jazz win over the Boston Celtics. Top 3 Stories of the Day: AJ Dybantsa shines in BYU win over Villanova, LJ Martin expected to play against Texas Tech, JJ Peterka homecoming tonight in Mammoth at Buffalo Sabres. Paul Pierce gives some questionable advice... Also, it's NFL Trade Deadline day and former Weber State star Rashid Shaheed is on his way to Seattle.
Join Jake, Ben and Christian every week as they rank all 16 teams in the Big 12.
A recent list of the top 10 sports themes led us to ask for your top 3 sports themes of all time!
The return of "Roundball Rock" for the NBA on NBC inspired one publication to list their top 10 sports themes!
View the Road Ahead and join the upcoming webinar for more details: https://www.amauacademy.com/pages/roadahead Sign up now to AMAU Academy: https://www.amauacademy.com/ AMAU Academy: https://www.amauacademy.com/ AMAU Junior: https://amaujunior.com/ Instagram: https://www.instagram.com/amauofficial/ Patreon: https://www.patreon.com/AMAU Telegram: https://t.me/amauofficial YouTube: https://www.youtube.com/c/AMAUofficial Twitter: https://twitter.com/AMAUofficial iTunes: https://podcasts.apple.com/us/podcast/al-madrasatu-al-umariyyah/id1524526782 Spotify: https://open.spotify.com/show/08NJC1pIA0maaF6aKqZL4N Get in Touch: https://amau.org/getintouch BarakAllahu feekum. #AMAU #Islam #Dawah
First it was my dad, later it was Elon Musk and now when you're so far off the rails that you've lost Bill Maher – you know that the Democrat Party belongs in the dust bin of history. It's now the party of Mamdani – a Marxist-Islamist (which, when you think about it, explains quite well why Obama is so keen).
Top 3 Stories of the Day: BYU set for Top-10 Matchup at Texas Tech, Jazz pick up 3rd straight loss, AJ Dybantsa to make his BYU debut tonight
Hour 1 of Jake & Ben on November 3, 2025 Utah got a big win over Cincinnati over the weekend. Ben thinks it's a sign Kyle Whittingham could stick around. Top 3 Stories of the Day: BYU at Texas Tech for a Top-10 matchup this weekend, 3 Losses in a row for the Jazz & Will Hardy is not happy, AJ Dybantsa to make his BYU debut tonight. Ja Morant is seemingly in a feud with his coaching staff in Memphis
Since Brad is travelling this week, give us your top 3 airport snacks!
Here's a taste of what's on our patreon! For our Magical Girl Matcha series, we dove into the first two episodes ofTokyo Mew Mew (New). In episode one, while on a date with the most popular guy in school, Ichigo Momomiya is hit with a beam of light that gives her the power of an endangered feline species, turning her into Ichigo Mew - a superhero! In episode two, a green-haired girl named Lettuce struggles to fit in with her "friends". Pent up emotions cause the powers she recently gained to spiral out of control, and Ichigo and Mint come to her aid. Let's dig in!Learn more about the Shoujo Sundae Patreon here:https://patreon.com/shoujosundae Episode 11:34 - Soft Serve Summary2:10 - Sprinkles on Top3:08 - Floats Your Boat8:31 - Banana Split13:05 - Nuts14:46 - Hot Fudge16:11 - I Scream, You Scream17:28 - Cherry On TopEpisode 217:50 - Soft Serve Summary18:29 - Sprinkles on Top19:02 - Floats Your Boat21:24 - Banana Split24:18 - Rocky Road25:26 - Nuts26:41 - Hot Fudge26:59 - I Scream, You Scream28:15 - Cherry On TopAbout Shoujo Sundae:Shoujo Sundae is a podcast safe haven for fans that are in love with shoujo anime and manga. Hosted by Giana Luna and Chika Supreme, Shoujo Sundae aims to review and reflect on shoujo properties that deserve more attention than what they currently receive. Giana Luna is a podcaster by moonlight and a musician by daylight.Chika Supreme is a podcaster by moonlight and a social media manager by daylight.Find Shoujo Sundae wherever you listen to your podcasts: https://pod.link/1634859352If you enjoyed this episode, SHARE it with a friend and RATE/REVIEW it on Apple Podcasts and Spotify!Connect with Giana, Chika, and Shoujo Sundae!Visit our website: http://shoujosundae.com Pledge on Patreon: https://patreon.com/shoujosundae Shoujo Sundae's Social Media: https://linktr.ee/shoujosundaeSend us an email: shoujosundaepodcast@gmail.comFollow Giana Luna on BlueSky: https://bsky.app/profile/gianaluna.bsky.social Follow her on Instagram: https://www.instagram.com/giana_luna_ Follow Chika Supreme on BlueSky: https://bsky.app/profile/chika.shoujosundae.com Follow her on Instagram: https://www.instagram.com/chikasupremeA breakdown of the Shoujo Sundae segments:-A Soft Serve Summary (episode/film recap)-Sprinkles on Top (symbolism in the media)-Floats Your Boat (enjoyed moments)-Banana Split (split opinion or confusing moments)-Rocky Road (sad moments)-Nuts (shocking moments)-Hot Fudge (hot takes or angry rants)-I Scream, You Scream (disliked moments)- Cherry on Top (favorite moment)
If you want to raise private money for real estate but don't know who to talk to, this episode will make it crystal clear. I sit down with my buddy Chad Harris from Dayton, Ohio, who's built a portfolio of 80+ rental units without using a single bank. He shares exactly how he finds private lenders, how he builds trust, and the 3 investor avatars you should focus on if you want to raise money fast and safely. Here's what we cover: - How Chad turned ministry fundraising into a million-dollar capital-raising skill - The 3 investor avatars most likely to fund your deals - How to structure private loans "just like the bank" - What lenders really want (and what they don't) - How to raise $1M in 90 days through relationships and social media If you've ever wondered who actually writes the checks for real estate deals, this episode will show you how to find them and build win-win partnerships. //CONNECT WITH CHAD TrueWealthInvestors.com
Episode 528: Dannie and Nick are joined by Mike and Kai to talk about the best creatures of the night from Anime. Good thing Som wasnt on it because she would just pick the ones she'd bone. Which is all of them.
On today's menu we're doing something new — The ETR 3!Our Favorite top 3 Vegas spots across 20+ categories … from brunches and burgers to power lunches and pastries. Disagreements? Oh, there are plenty. Abstentions? Definitely. Trash talk? Always.Categories include: ☕ Coffee Shops |
Joe Biden's sniffing of children's hair or nibbling on a child's shoulder. Those are things that are known to be creepy. In fact, just for fun this year, I asked Grok what politician is known to be the creepiest and this is what Grok said: Joe Biden- Why creepy? Long history of overly tactile interactions with women and kids—think sniffing hair, lingering hugs, and whispers that feel way too close for comfort
Looking good... trivia... vacations... and Halloween candy!
Hour 1 of Jake & Ben on October 31, 2025 Chad Brendel from BearcatJournal.com joined the guys to talk about Cincinnati and what to expect when they face Utah tomorrow. Top 3 Stories of the Day: Utah vs Cincinnati tomorrow, Jazz in Phoenix for NBA Cup tonight, Sam Leavitt out for season at Arizona State. Youtube TV has removed ESPN as they have a contract dispute. Really inconvenient for the fans!
Dictionary.com announced 6/7 is their word of the year! So, we asked for your top 3 things that have a 6 or a 7 in them??
Packers Total Access : The Packers Are Getting Healthy At The Perfect Time + Tucker Kraft Is A Top 3 Tight End! + Packers vs Panthers Preview
Join Ellen & special guest, zoology and science communication powerhouse Lindsay Nikole, for a review of some of the animal kingdom's greatest hits throughout the history of the Earth. We discuss ecological gossip, mass extinctions, the Cambrian explosion and evolution's “experimental” phase, swimming potatoes with googly eyes, giant bugs, bizarre prehistoric sharks, imaginary friend lore, and so much more.Links:Pre-order your copy of Lindsay's book, Epic Earth!Follow Lindsay on Instagram, YouTube, and TikTok!For more information about us & our podcast, head over to our website!Follow Just the Zoo of Us on BlueSky, Facebook, Instagram & Discord!Follow Ellen on BlueSky!
Packers Total Access : The Packers Are Getting Healthy At The Perfect Time + Tucker Kraft Is A Top 3 Tight End! + Packers vs Panthers Preview
30 days into the partial shutdown here are just some of the things that are better off today... Your 401k – the stock market has continued to hit a series of record highs... Your wallet in many ways...
Hour 1 of Jake & Ben on October 30, 2025 The Utah Jazz have released their new City Edition Uniforms. Also, they lost a close one to the Trailblazers last night. Top 3 Stories: Devon Dampier is expected to start for Utah this weekend, Jazz fall to the Trailblazers & Will Hardy wants to see more defense, USU Poaches Weber State's President. Prince Harry was seen in a Dodgers hat. Is he betraying his Country by cheering for USA over Canada?
Top 3 Stories of the Day: Devon Dampier expected to start for Utah vs Cincinnati, Will Hardy wants to see better defense after Utah Jazz loss to Portland, Utah State University poaches Weber State for their President
Join Ellen & special guest, zoology and science communication powerhouse Lindsay Nikole, for a review of some of the animal kingdom's greatest hits throughout the history of the Earth. We discuss ecological gossip, mass extinctions, the Cambrian explosion and evolution's “experimental” phase, swimming potatoes with googly eyes, giant bugs, bizarre prehistoric sharks, imaginary friend lore, and so much more.Links:Pre-order your copy of Lindsay's book, Epic Earth!Follow Lindsay on Instagram, YouTube, and TikTok!For more information about us & our podcast, head over to our website!Follow Just the Zoo of Us on BlueSky, Facebook, Instagram & Discord!Follow Ellen on BlueSky!
The estate of Jim Irsay will auction off his incredible collection of rock memorabilia so we asked for the top 3 pieces of rock history you would want!
C&R react in their own unique way to that EPIC game 3 of the World Series! Top 3 game of all time? They talk heroes of the amazing marathon, including the Dodgers bat boy! Rich made his first ever Dodger jersey purchase (for his son.) Should kids have allegiance to your baseball team? See omnystudio.com/listener for privacy information.
In an ICF study released recently the demand for additional power in the U.S. will grow by 25% within just the next five years and explode by 78% over the next twenty-five years. The Age of crypto and AI comes with an enormous demand for new energy.
Hour 1 of Jake & Ben on October 29, 2025 Starting the show with Top 3 Stories today: Utah Mammoth sign Logan Cooley to 8-year $80 Million Dollar Extension, Other Athletic Directors are fed up with Utah's Injury Reports, Jazz host the Portland Trailblazers tonight. RSL Press Conference to announce Jason Kreis as President of Soccer Operations for both Real Salt Lake & the Utah Royals FC UConn Head Coach Dan Hurley was losing his mind in a scrimmage.
Townie Top 3 with Rich RetyiSee omnystudio.com/listener for privacy information.
Today we dive into the Weekly Top 3 with Brad Keithley from Alaskans for Sustainable Budgets. This weeks topics: Legislators should ask those pushing for more spending to say how they are willing to pay for it; The definition of irony; Something he can agree on with Jon Faulkner. Then in hour two I'll recap with some of my thoughts. Then we'll finish up with Chris Story who'll talk about the "motivational 3-step".
What's happened here has transcended politics into something that's not defensible because paying people for their work isn't ideological.
From highs to (more than often) frustrating lows — we're breaking down the LA Galaxy's Top 3 Best and Worst Moments of the 2025 MLS Season! From meaningful victories to heartbreaks both on and off the pitch, we will take you through all the emotional twists and turns of Galaxy's 2025 campaign.
The Brutal Truth about B2B Sales & Selling - The show focuses on Hacking the Sales Process
Here is a FAQ Video on the Courses: https://youtu.be/0F7imrzjXWs Here is a deep dive into which course is best for you: https://youtu.be/JM_jgS8M-iU https://www.b2bRevenue.com - Get Your Free E-Book on How Companies make Decisions. FAQ: 1 YEAR ACCESS, PAY MONTHLY OR ANNUALLY NOT A SUBSCRIPTION OFFICE HOURS EVERY OTHER WEEK VIA ZOOM. 1 HOUR GROUP Q&A. UNLIMITED 1-ON-1'S ARE FREE AS LONG AS THEY CAN BE SHARED IN THE COURSE. 1-ON-1 ARE FULL ACCESS ON DAY ONE - NOTHING IS GATED OR TIME RELEASED. ALL CONTENT IS VIDEO BASED AND SELF PACED I RECOMMEND TAKE COURSE ONCE WITHOUT NOTES OR APPLYING IT SO YOU UNDERSTAND THE BIG PICTURE FIRST. THEN TAKE AND APPLY IT STEP BY STEP. YOU START WHEN YOU WANT AND GO AS FAST OR SLOW AS NEEDED. Email me additional questions: briangburns@me.com — SAMPLE EMAIL TO EXPENSE THE COURSE MGR, I have been listening to the brutal truth about sales podcast for X months and it speaks to the issues we face. They currently offer a course that includes video instruction, group Q&A and One-on-One coaching. I'm committed to my own personal development and would like your help in expensing the course. It would pay for itself if I closed only one new deal of $X value. Please let me know by Friday if I can move forward with this 1 year course. Thanks, ME Here are some student interviews from the courses: ———————————————————————————————————— Audible 30 day Free Trial: http://www.audibletrial.com/BrutalTruth
Retiring early isn't just about having enough money, it's about using the right tax moves in the right years. This conversation between James and Ari maps the three biggest levers for early retirees: Roth conversions, ACA health insurance subsidies, and 0% long-term capital gains. A real-world case study shows how account mix and spending levels can flip what's “best,” and how small income shifts can change the math in a big way.The episode breaks down when Roth conversions pay off versus when they backfire, how keeping modified AGI under ACA thresholds can save five figures, and how harvesting capital gains at the 0% federal rate can reset cost basis and rebalance efficiently. It frames the tax window between the final work years and required minimum distributions, modeling income year by year to prioritize lifetime impact, not short-term refunds.The focus is clarity and control—ranking strategies by pre-tax versus brokerage mix, showing how different spending assumptions can reverse the outcome, and outlining a practical process for tax-gain harvesting and rebalancing. James and Ari guide you to use tax strategy as a tool to buy more freedom, not more complexity.-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!