Podcasts about TSP

We're exploring the Finger Lakes Region of Upstate New York, a perfect fall destination known for dramatic waterfalls, scenic lakes, and world-class wineries. From hiking the iconic Watkins Glen State Park and chasing Ithaca's best waterfalls to sipping Riesling at Sheldrake Point Winery and driving the Seneca Lake Scenic Byway, we're sharing our full Finger Lakes weekend itinerary, travel tips, and must-visit stops.Finger Lakes Episode Highlights: How to get to the Finger Lakes Where to stay in the Finger Lakes Fingerlakes Wine Trail Best state parks in the Finger Lakes Best waterfalls in the Finger Lakes Our top recommended stays in the Finger Lakes:Watkins Glen: The Benjamin Hotel or Lakeside ResortPenn Yan: Hampton Inn Penn Yan or Best Western Plus Vineyard InnIthaca: Hilton Garden Inn IthacaOr check out these hotels in Finger LakesIf you want to take this exact trip, download our Finger Lakes Itinerary!Find a great flight deal to Louisville by signing up for Thrifty Traveler Premium and get flight deals sent straight to your inbox. Use our promo code TSP to get $20 off your first year subscription.—---------------------------------------Shop: Trip Itineraries ⁠& ⁠Amazon Storefront ⁠Connect: ⁠YouTube⁠, ⁠TikTok⁠, and ⁠Instagram⁠⁠ ⁠and contact us at travelsquadpodcast@gmail.com to submit a question of the week or inquire about guest interviews and advertising. Submit a question of the week or inquire about guest interviews and advertising.Contains affiliate links, thanks for supporting Travel Squad Podcast!

In this episode, Spencer Reese is joined by Paul, a recently medically retired National Guard officer, and Joel Petit, a military disability retirement attorney, to break down the medical retirement process, VA disability ratings, and how IDES really works. What We Cover Medical retirement vs. standard 20-year longevity retirement When medical retirement can make sense financially How the IDES (Integrated Disability Evaluation System) works Common misconceptions about VA disability and "100% ratings" The role of PEBLOs, medical boards, and appeals Financial impacts on retirement pay, VA compensation, and Tricare Why many service members are discouraged from pursuing medical retirement Key pitfalls, timelines, and why being proactive matters Advice for putting yourself and your family first during transition Who This Episode Is For Active duty, Guard, and Reserve members nearing separation or retirement Service members facing medical issues that impact continued service Anyone confused about VA disability, medical boards, or retirement options This episode pulls back the curtain on a complex system and gives practical, real-world insight into how to navigate medical retirement the right way.   Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 20,000 military servicemembers and military spouses have graduated from the 100% free course available at militarymoneymanual.com/umc3 In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, such as waived annual fees, on elite cards like The Platinum Card® from American Express and the Chase Sapphire Reserve® Card. https://militarymoneymanual.com/amex-platinum-military/ https://militarymoneymanual.com/chase-sapphire-reserve-military/ Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3 If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. Want to be confident with your TSP investing? Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE! If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.

On this week's Just the Tip, Kim is taking you along on a bucket list experience The Blue Lagoon in Iceland! This world-renowned steamy turquoise spa experience is as amazing as it looks. In this episode, we bust a few mistruths and share the full experience to get you excited to visit yourself!You can book the same ⁠Combo Blue Lagoon & Transfer ticket on Viator⁠ that we used.Since you are going to The Blue Lagoon, you'll want to check out our ⁠Sky Lagoon⁠, ⁠Winter Iceland Trip⁠ and ⁠Summer Iceland Trip⁠ episodes too and our ⁠Iceland Itinerary⁠ too!Find great flight deals to Iceland by signing up for ⁠⁠Thrifty Traveler Premium⁠⁠ and get flight deals sent straight to your inbox. Use our promo code TSP to get $20 off your first year subscription.- - - - - - - - - - - - - - - - - - - - - - - - - - - - - -Shop: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Trip Itineraries⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Amazon Storefront⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Connect: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and contact us at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠travelsquadpodcast@gmail.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to submit a question of the week or inquire about guest interviews and advertising.

Most real estate investors think their retirement is “handled” because they've got money sitting in a 401(k) or IRA.That's exactly what Carter believed……until his family lived through a nightmare that changed how he sees money forever.In 2008, his mom was just 18 months from retirement when nearly $1 million inside her retirement accounts disappeared during the crash.She'd done everything right. Worked. Saved. Trusted the system. Owned rental properties.And still, the plan collapsed, because the money was never really under her control.That's what sparked Carter's obsession with learning how investors can protect capital, reduce taxes, and stop outsourcing their future to Wall Street.If that story rattled you, the next step is simple…Take control of your retirement.That's exactly what the team at Unified Wealth helps real estate investors do, legally and strategically, with smarter structures, tax planning, and self-directed accounts.If you've got money sitting in an old IRA, 401(k), or TSP and you're not sure it's actually working for you, this is worth a serious look.CLICK HERE to book a free wealth consultation >>Catch you later!LINKS & RESOURCES1,000 FREE Seller LeadsGet your first 1,000 seller leads FREE from our partner BatchLeads and start closing deals immediately. CLICK HERE: http://leads.getbatch.co/mztQkMr7 Figure Flipping UndergroundIf you want to learn how to make money flipping and wholesaling houses without risking your life savings or "working weekends" forever... this book is for YOU. It'll take you from "complete beginner" to closing your first deal or even your next 10 deals without the bumps and bruises most people pick up along the way. If you've never flipped a house before, you'll find step-by-step instructions on everything you need to know to get started. If you're already flipping or wholesaling houses, you'll find fast-track secrets that will cut years off your learning curve and let you streamline your operations, maximize profit, do MORE deals, and work LESS. CLICK HERE: https://hubs.ly/Q01ggDSh0 7 Figure RunwayFollow a proven 5-step formula to create consistent monthly income flipping and wholesaling houses, then turn your active income into passive cash flow and create a life of freedom. 7 Figure Runway is an intensive, nothing-held-back mentoring group for real estate investors who want to build a "scalable" business and start "stacking" assets to build long-term wealth. Get off-market deal sourcing strategies that work, plus 100% purchase and renovation financing through our built-in funding partners, a community of active investors who will support and encourage you, weekly accountability sessions to keep you on track, 1-on-1 coaching, and more. CLICK HERE: https://hubs.ly/Q01ggDLL0 Connect with us on Facebook and Instagram: @7figureflipping Hosted on Acast. See acast.com/privacy for more information.

Typical Skeptic Podcast #2432Guests: Amay (Plane Astrology) & Ken (We Are 1 Podcast)Time: 8 PM Eastern TonightTheme: Luminary Portals • Soul Trap • Layers of the Astral • Zodiac Stelliums • Cosmic Downloads • Orion/Delta Brainwaves Connection⭐ BIO / INTRO (Use in the description)Amay (Plane Astrology)Amay is a metaphysical researcher, astrologer, and former flight attendant for elite travelers, which gave her a unique lens into global power structures and hidden symbolism. Through her work at Plane Astrology, she decodes zodiacal stelliums, luminary gateways, astral layers, and the architecture of the soul's journey. Amay specializes in the soul trap theory, cosmic portals, and how astrology interacts with consciousness and dimensional reality.Ken (We Are 1 Podcast)Ken is a returning TSP favorite — a reality researcher and investigator of timeline glitches, the Mandela Effect, dimensional layering, and consciousness anomalies. His podcast We Are 1 explores how perception, memory, and cosmic influences shape our reality. Ken brings deep insight into the hidden systems affecting human awakening, including memory editing, astral interference, and neurological entrainment patterns like Delta-wave states.Together, Amay and Ken dive into the intersections of astrology, the astral planes, luminary portals, cosmic downloads, and the Orion–Delta brainwave connection.⭐ SHOW DESCRIPTIONTonight on Typical Skeptic Podcast #2432, Rob is joined by two returning heavy-hitters: Amay from Plane Astrology and Ken from We Are 1 Podcast.We're going deep into:Luminary portals & how they act as gateways for incarnationsSoul Trap architecture — is the reincarnation system hijacked?The layered structure of the astral planeZodiac stelliums and how they shape destinyElite symbolism & Amay's experiences flying for the powerfulThe Orion connection to consciousnessDelta brainwave states, astral travel, and cosmic downloadsMandela Effect anomalies & timeline ‘shifts'How astrology, memory, and metaphysics intertwineA high-level metaphysical decode packed with timelines, consciousness tech, and astral mechanics.⭐ HASHTAGS#astrology #orion #deltawaves #soultrap #astralplanes #luminaryportals #stellium #mandelaeffect #timelineglitches #cosmicdownloads #planeastrology #weare1podcast #typicalskepticpodcast #paranormal #ufology #consciousness #esoteric⭐ DISCLAIMER (your standard one)"The views and experiences shared by the guest are their own and do not necessarily reflect those of the platform we are streaming on. This content is for educational and entertainment purposes only. We are not in any way giving medical or financial advice; always seek help through a professional. This podcast is a space for open thought and conscious dialogue and is a platform for skeptical but open-minded free thinkers."Typical Skeptic Podcast Links and Affiliates:Support the Mission:

If you have a defined benefit pension, everything from when you claim Social Security to how you draw your TSP/401k changes — because guaranteed income becomes your foundation for smarter retirement planning.

⭐ TYPICAL SKEPTIC PODCAST #2428 — 9PM ET“Timeless Psychic Readings with The Psychic Duck”

Come with us to the land of fire and ice for a week in Iceland - in the dead of winter! On this wintry adventure we go to Snæfellsnes Peninsula, The South Coast, The Blue Lagoon, on an epic Northern Lights chasing tour in the middle of the night, and even saw some real lava! This episode is full of tips for visiting Iceland in the winter, how to navigate stormy roads, and how to plan for this finicky destination during the dark, winter season.We HIGHLY recommend: These two items from Amazon for your winter Iceland trip: ⁠Heated Jacket⁠ and ⁠Hand Warmers⁠, but check out our whole ⁠Winter Travel Packing List on Amazon⁠ for more suggestions!Hotels we stayed at: - Upscale stylish hotel downtown - Great private room on Rainbow road - In Hofn near Vatnajökull National Park - Big guest house with nice rooms and a restaurant (with a breakfast buffet!) on siteThis trip was booked entirely off tours, check out our ⁠Iceland Experiences Viator list⁠ for all the tours we did + more we couldn't fit into our schedule!Find great flight deals to Iceland by signing up for ⁠Thrifty Traveler Premium⁠ and get flight deals sent straight to your inbox. Use our promo code TSP to get $20 off your first year subscription.- - - - - - - - - - - - - - - - - - - - - - - - - - - - - -Shop: ⁠⁠Trip Itineraries⁠⁠ & ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Amazon Storefront ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Connect: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠and contact us at travelsquadpodcast@gmail.com to submit a question of the week or inquire about guest interviews and advertising. Submit a question of the week or inquire about guest interviews and advertising.

Navy SEAL leadership traits aren't complicated— they're executed under pressure: cover and move (teamwork), simplify the mission, prioritize and execute, and decentralized command (empowerment). If you've ever led a team in business or a federal agency and felt moments of chaos, this framework will feel immediately practical—click “Show More” for the full breakdown.

Spencer Reese welcomes Ross Alcorn from Itinerary Boss https://itineraryboss.com/ to discuss credit card points and miles strategies, with special focus on small business owners. Ross shares how he saved $19,000 on his honeymoon, reveals tactical business spending strategies, and explains how military service members can leverage TDY travel and small business expenses to fund dream vacations. Guest: Ross Alcorn - Charlotte, NC-based travel strategist, former sales rep road warrior (6-7 years), real estate investor, and founder of Itinerary Boss. Key Topics Covered Getting Started - The Low-Hanging Fruit: Sign up for FREE hotel loyalty programs (Hilton, Marriott, IHG, Hyatt) Add loyalty numbers to TDY/TAD stays retroactively if needed Military discount: Epic Pass for active duty/spouses ~$200 (normally $1,200) Start with no annual fee cards to build credit and learn the basics Never carry a balance - if you're paying interest, you're doing it wrong Business Spending Strategies: Most common mistake: Using Amex Platinum for everything (only 1x points on most purchases) Capital One Venture X Business: Uncapped 2x points, no preset credit limit Cards earning 3-4x on ad spend (Facebook, Google ads) Use Melio (M-E-L-I-O) to pay vendors who don't accept cards via ACH (2.9% fee) Negotiate early payment discounts (net 15 vs net 30) to offset processing fees Millions in business expenses going uncharged to credit cards The 2.9% Fee Debate: Worth it if redeeming points at 1.5+ cents per point value Effective 25-40% cash back when factoring welcome bonuses + transfer value Business expenses are tax deductible Ross personally pays fees on all expenses knowing he'll redeem at 2-6 cents/point Real-World Example - $19,000 Honeymoon Savings: Cards used: Chase Sapphire Reserve, Capital One Venture, Chase Sapphire Preferred, Chase Ink Business Unlimited Flights: Qatar Q-Suites business class using 200K points (Chase + Capital One) Stayed 11 nights using Hyatt points at Alila properties in Bali Built point stash over 1-1.5 years through group travel booking + daily spend + business welcome bonuses Strategy: Booked award availability 355 days out when British Airways/Qatar released schedules Flexibility: Mixed business and premium economy on return flight Transfer Partners & Redemption: NEVER redeem for Amazon gift cards, statement credits, or low-value portal bookings (0.6-0.7 cents/point) Transfer to airline partners for 2-6+ cents per point value Don't use Amex points for hotels (poor value) Example: 175K Amex points = potential $12,700 business class seats to South Africa Tools: Points.Yeah.com for flight availability and award searching Military-Specific Advantages: Overseas duty stations = less competition for award space (Frankfurt, Tokyo, Seoul) Different inventory than US-based flyers TDY/TAD stays earn hotel points and elite status Annual fee waivers on personal cards (not business cards) via MLA/SCRA Chase Sapphire Reserve: $0 annual fee for military/spouses Strategic Tips: Always volunteer to pay group bills/dinners (earn points, get reimbursed) Premium economy fine for daytime flights under 8-9 hours Business class essential for overnight/long-haul flights (9+ hours) Plan 1-2 years ahead for big trips - comfortable pace to build points Opening velocity: Ross did one card every 91 days at peak (very aggressive) Combine household points (Chase, Amex, Capital One allow this) Book tickets in anyone's name, not just your own Credit Card Stacking Strategy: Don't use one premium card for everything Match card to spending category for maximum points Chase "cash back" cards earn Ultimate Rewards points if you have Sapphire Reserve/Preferred Transfer between household members before booking Welcome bonuses are the real value - daily spend is bonus Business Culture Hack: Instead of $5-10K cash bonus, give employees 500K miles + book their dream trip Tax deductible, builds culture, retains talent More memorable than cash bonus IHG Five Free Nights Strategy: Five free nights at properties up to 60K points/night Ross staying 4 nights in Grand Cayman at $800/night hotel = $3,200 saved Fourth night free on award bookings Anniversary free night each year Used for wedding block, earning 26x points on wedding expenses Common Mistakes to Avoid: Not asking vendors if they accept credit cards Using wrong card for spending category (leaving 2-3x points on table) Redeeming points poorly (gift cards, statement credits) Not tracking card benefits and credits Waiting too long to book award travel Not being flexible with dates/airports Tools & Resources Mentioned: Points.Yeah.com - Award availability search, flight ideas map Melio - Pay vendors via card when they only accept ACH Plastiq - Pay rent/large bills with credit card (2.9% fee) Free Points & Miles Cheat Sheet at ItineraryBoss.com Transfer partner guide and credit card multiplier sheets Key Quotes "There's millions of dollars that aren't being put on cards because of just not asking the right questions." "If you're earning 2x points and utilizing those points to transfer, even with a 3% fee, the numbers pencil when you're redeeming at 2-6 cents per point." "175,000 Amex points could be used to get you business class, first class seats - we used 176K Chase points for $12,700 worth of business class seats to South Africa." "Don't redeem for Amazon gift cards, statement credits, or through the portal - you're getting 0.6-0.7 cents per point. That's terrible." "Why give a $10K cash bonus when you could give someone 500K miles and book them a trip to Greece or Bali they'd never do on their own?" Who This Episode Is For Military small business owners and real estate investors Service members with TDY/TAD travel Anyone spending on business ads, inventory, or vendor payments Military spouses running 1099 contractor businesses People planning big trips (honeymoons, bucket list travel) Those currently leaving business value on the table Anyone wanting to turn business expenses into free travel Action Items Sign up for all major hotel loyalty programs today (free) Add loyalty numbers to upcoming TDY stays Check if vendors accept credit cards (or use Melio) Review current card stack - are you earning maximum points per category? Download free cheat sheet at ItineraryBoss.com If planning big trip: Start building points 1-2 years ahead Check military annual fee waivers (MLA/SCRA) Combine household points before booking award travel Contact Guest: Ross Alcorn Website: ItineraryBoss.com Free Points & Miles Cheat Sheet (includes transfer partners + credit card multipliers) Social: @ItineraryBoss (all platforms) Host: Spencer Reese Website: MilitaryMoneyManual.com Instagram: @MilitaryMoneyManual Recorded on Veterans Day. This episode reveals how military service members can leverage business expenses, TDY travel, and strategic credit card use to fund dream vacations. Whether you're spending $10K or $1M annually on your business, there are points being left on the table.   Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 20,000 military servicemembers and military spouses have graduated from the 100% free course available at militarymoneymanual.com/umc3 In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, such as waived annual fees, on elite cards like The Platinum Card® from American Express and the Chase Sapphire Reserve® Card. https://militarymoneymanual.com/amex-platinum-military/ https://militarymoneymanual.com/chase-sapphire-reserve-military/ Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3 If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. Want to be confident with your TSP investing? Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE! If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.  

Sovereignty & the Hidden War on Consciousness — w/ Lauda Leon (Sovereign Ki) - Typical Skeptic #2423⭐⭐ TYPICAL SKEPTIC PODCAST #2423“Sovereignty, Organic Ascension & the Hidden War on Consciousness — with Lauda Leon (Sovereign Ki)”

TSP 355 – Live at St Mary's StadiumThe Total Saints Podcast heads to St Mary's for a special live show, recorded in front of a packed Halo Lounge in support of the Saints Foundation.We break down a gritty but vital 1–0 win over Sheffield United, before previewing the South Coast Derby with Saints legends James Beattie and Mark Dennis, who bring stories, insight and plenty of edge ahead of Sunday's showdown at Fratton Park.The evening also features audience questions and a powerful segment with the Saints Foundation, highlighting the real difference being made across the city.Featuring:Sheffield United reactionPompey preview with Beattie & DennisAudience Q&ASaints Foundation Impact Campaign Hosted on Acast. See acast.com/privacy for more information.

Federal retirement planning shouldn't start when you're filling out the retirement packet — by then, you're making lifetime decisions under a deadline. Planning early gives you time to align your benefits with your goals.Learn how to complete your federal retirement paperwork accurately, understand benefit elections, TSP options, survivor benefits, and the retirement submission process before you're up against the clock.We offer you a FREE 15-minute call to ask questions and start understanding whether you have a real retirement plan or just the idea of one. Schedule here: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtubeAre You “Shutdown-Proof” for Retirement?, find out here: https://lb1nm6qa2sh.typeform.com/to/pKWB4w8bNewsletter: https://cdfinancial.com/newsletterSocials:Instagram: https://instagram.com/cdfinancial.llc/Facebook: https://facebook.com/cdfinancialLinkedIn: https://linkedin.com/company/cd-financial

In this episode we chat with Jocelyn and Justin, the owners and captains of the historic Schooner J & E Riggin, for an inside look at life and travel aboard a nearly 100-year-old windjammer. We talk about what makes sailing the Maine coast so special, from wind-powered routes and themed sailings to cozy onboard life and fresh, locally sourced meals cooked on a classic wooden stove. We also dive into what guests can expect on a multi-night sailing, including fall foliage cruises, and why this one-of-a-kind adventure is unlike any other way to experience Maine.View the 2026 sailing schedule for the Schooner J & E Riggin. Travel Squad Podcast will be sailing on the September 30 to October 4 fall foliage cruise - join us!Find a great flight deal into Maine by signing up for Thrifty Traveler Premium and get flight deals sent straight to your inbox. Use our promo code TSP to get $20 off your first year subscription.—---------------------------------------Shop: Trip Itineraries ⁠& ⁠Amazon Storefront ⁠Connect: ⁠YouTube⁠, ⁠TikTok⁠, and ⁠Instagram⁠⁠ ⁠and contact us at travelsquadpodcast@gmail.com to submit a question of the week or inquire about guest interviews and advertising. Submit a question of the week or inquire about guest interviews and advertising.Contains affiliate links, thanks for supporting Travel Squad Podcast!

When should you plan for retirement? This video discusses the critical timing of your federal retirement, emphasizing that thoughtful financial planning and income planning are crucial. Do not rush your decision-making at the last minute; proper retirement planning requires foresight and careful consideration, well in advance of OPM's deadlines.Take the Quizz: https://lb1nm6qa2sh.typeform.com/to/pKWB4w8b

Spencer and Jamie break down the 10 core principles of Bogleheads investing and show how military service members can apply this simple, low-cost approach to build wealth through the TSP and other accounts. If you're overwhelmed by investing advice or tempted by day trading and crypto, this episode cuts through the noise with a proven strategy that's worked for decades. Hosts: Spencer Reese (former Air Force pilot, 12 years active duty) and Jamie (active duty officer) The 10 Bogleheads Principles Develop a workable plan - Create an investment policy statement (even informal) to guide decisions during market volatility Invest early and often - Automate contributions to remove decision fatigue; increase TSP allocation today Never bear too much or too little risk - Age-appropriate asset allocation; avoid the old G Fund default trap Diversify - Don't put all eggs in one basket; TSP funds cover entire US market plus international exposure Never try to time the market - Time IN the market beats timing the market; market dropped 19% in April 2025, now up 38% from that low Use index funds when possible - TSP offers five low-cost index funds; 90% of active managers can't beat index funds over 20 years Keep costs low - TSP expense ratios under 0.1%; avoid predatory companies charging 1-2%+ fees Minimize taxes - Leverage Roth TSP and Roth IRA; military tax advantages (BAH, BAS, combat zone exclusion) Invest with simplicity - LADS approach (Low-cost, Automated, Diversified, Simple); Warren Buffett's S&P 500 bet crushed hedge funds Stay the course - Measure performance in decades, not days/weeks; don't panic sell during downturns Key Takeaways Why Bogleheads Philosophy Works for Military: Takes power back from financial advisors and complex products Simple enough anyone can succeed with minimal effort Perfect match for TSP's low-cost index fund structure Removes emotion from investing decisions TSP Advantages: Five index funds (C, S, I, G, F) cover nearly entire investable market Lifecycle funds automatically balance risk by retirement year Expense ratios under 0.1% (incredibly low) Now defaults to lifecycle funds instead of G Fund (huge improvement with Blended Retirement System) Common Military Investing Mistakes: Old G Fund default trap - cost retirees millions in missed gains Trying to time the market or day trade Paying high fees to predatory companies Not automating contributions Measuring performance over days/weeks instead of decades The Math That Matters: First $100K took Spencer 4+ years; second $100K took 2 years (compound growth accelerates) Market will drop 30% in next 10 years (guaranteed) - but timing it is impossible S&P 500 gained 125% over 10 years vs. best hedge fund's 87% in Warren Buffett's famous bet April 2025 market drop: 19% down, then 38% up from that low within months Diversification Made Easy: C Fund: 500 largest US companies (S&P 500) S Fund: ~2,000 smaller US companies I Fund: 5,000+ international companies (20+ developed + emerging markets, excludes China/Hong Kong) Combined: Total US and international market exposure Add VXUS in Roth IRA for China/Hong Kong exposure if desired Automation is Your Friend: Log into MyPay once, increase TSP allocation, never think about it again Every promotion or time-in-grade raise = bump allocation by 1% One decision removes 100 future decisions Eliminate decision fatigue and emotional reactions Fee Impact Example: Predatory companies charge 1-2%+ fees TSP: Under 0.1% Fidelity FZROX: 0% expense ratio Vanguard funds: 0.03% Rule of thumb: Stay under 0.25%, ideally under 0.10% Resources Mentioned Books: "The Little Book of Common Sense Investing" by Jack Bogle "The Military Money Manual" by Spencer Reese (available at MWR Library, Libby app, Amazon) Investment Accounts: TSP (Thrift Savings Plan) - Military 401k Roth TSP and Roth IRA (tax-advantaged accounts) Recommended brokerages: Fidelity, Vanguard, Schwab Key Terms: LADS: Low-cost, Automated, Diversified, Simple Index fund vs. active management Expense ratio and basis points Asset location strategy Investment Policy Statement Previous Episodes Referenced: TSP deep dives (search podcast) Roth TSP vs. Roth IRA explanations "Do Better" episode on predatory companies Real-World Examples Lieutenant with $50K in checking account - proves military pay allows saving, just need to invest it Service member paid off all auto and student loans in 3 months of deployment Retirees with $250-500K in G Fund who missed out on millions Enron, WorldCom, Lehman Brothers - why diversification matters MicroStrategy (MSTR) - current example of concentrated risk Who This Episode Is For Military service members at any rank TSP participants unsure how to invest Anyone tempted by day trading, crypto, or "get rich quick" schemes New investors overwhelmed by options Service members paying high fees to financial advisors Anyone who wants a simple, proven wealth-building strategy Quick Action Steps Log into MyPay and increase TSP allocation (even 1% helps) Verify you're in appropriate Lifecycle Fund (birth year + 60-65 years) NOT in G Fund unless near retirement Set automatic annual increases (1% per year) Open Roth IRA at Fidelity, Vanguard, or Schwab Read "The Military Money Manual" (free at base library) Stop checking account daily - check quarterly at most Contact Website: MilitaryMoneyManual.com Instagram: @MilitaryMoneyManual Book: "The Military Money Manual" (Amazon, $3 Kindle, free at MWR libraries) The Bogleheads philosophy has helped millions become millionaires through simple, low-cost index fund investing. As a military service member, you have access to one of the best low-cost investment vehicles in the world - the TSP. Stop overthinking it, automate your investments, and stay the course.  

On this weeks episode of TSP, we catch you up on why we missed last weeks recording and are joined by everyone's favorite Canadian, Luke Markland.

Think you have to wait for Open Season to make meaningful financial decisions as a federal employee? This episode breaks that myth wide open. John, Ben, and Tommy walk through the most impactful moves federal employees can make any time of year, from optimizing your TSP and HSA to updating insurance, beneficiaries, and retirement strategies. Whether you're early in your federal career, nearing retirement, or already retired, this episode gives you a practical checklist to help you avoid costly mistakes, spot overlooked opportunities, and make more confident decisions year-round. Access the full show notes at Mason & Associates, LLC Resources Mentioned: Mason & Associates: LinkedIn Tommy Blackburn:  LinkedIn John Mason: LinkedIn Ben Raikes: LinkedIn Thrift Savings Plan (TSP) FEGLI (Federal Employees' Group Life Insurance) FEHB (Federal Employees Health Benefits Program) Blue Cross Blue Shield prescription drug tool Federal Long Term Care Insurance Program (FLTCIP) FEFP: Medicare Masterclass on Enrollment and the Inflation Reduction Act (EP87)

This special podcast with Ann Wirtz and CD Financial discusses taking control of your financial success. We explore essential aspects of personal finance and financial management to help you make smarter decisions. Learn how to navigate your future with confidence and robust financial planning. Take the quiz: https://lb1nm6qa2sh.typeform.com/to/pKWB4w8b

Close to 5,000 more Thrift Savings Plan participants have joined the club of so-called TSP millionaires. As of January 1st, nearly 195,000 TSP participants now have accounts totaling over $1 million. That represents about 2.7% of all TSP accounts. The pace of growth appears to be slowing down though. In the previous fiscal quarter, the number of TSP millionaires rose by about 19,000.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode we spent four days in Cabo relaxing on the beach, adventuring out onto the water, sightseeing, and enjoying the amazing cuisine.On this trip we did the classic Cabo Arch tour and a ⁠whale watching tour⁠ that was amazing and we saw multiple kinds of whales and other sea life. See the tours we did and others we considered in our ⁠Cabo Viator Shop⁠.Episode Highlights: Visiting Medano Beach and baby sea turtle release Cabo San Lucas MarinaCabo Arch Tour with a visit to Lovers Beach & Divorce Beach ⁠Whale Watching Tour ⁠Where to eat in Cabo Where to get drinks in Cabo We stayed at the ⁠Fairfield Inn Cabo ⁠and loved the rotating breakfast buffet! It was in a good location and it's part of the Marriott family so you can work with points here! However, if you prefer an all inclusive hotel, check out ⁠Riu Palace Cabo San Lucas⁠. How to get from the airport into Cabo: Ubers are not permitted to/from the airport. You can get a taxi in the airport, arrange a private shuttle, or take the shared ⁠transportation shuttle⁠ like we did on this trip. You could also rent a car, but not needed for this trip!Find a great flight and hotel deals to Cabo, or anywhere else, by signing up for ⁠⁠⁠⁠⁠⁠Thrifty Traveler Premium⁠⁠⁠⁠⁠⁠ and get flight deals sent straight to your inbox. Use our promo code TSP to get $20 off your first year subscription.---------------------------------------Shop:⁠ Trip Itineraries ⁠⁠&⁠ ⁠Amazon Storefront ⁠⁠Connect:⁠ ⁠YouTube⁠⁠,⁠ ⁠TikTok⁠⁠, and⁠ ⁠Instagram⁠⁠⁠⁠ ⁠⁠and contact us at travelsquadpodcast@gmail.com to submit a question of the week or inquire about guest interviews and advertising. Submit a question of the week or inquire about guest interviews and advertising.Contains affiliate links, thanks for supporting Travel Squad Podcast!

Are You "Shutdown-Proof" for Retirement? Find out here: https://lb1nm6qa2sh.typeform.com/to/pKWB4w8bYour TSP, Your Rules — Take control of your federal retirement savings and overcome processing delays, tax traps, and income planning pitfalls with smarter decisions.” Learn how to manage your Thrift Savings Plan distributions, withdrawal strategies, and TSP loan options with confidence.“Understanding your TSP withdrawal options and income planning — from required minimum distributions to installment strategies — is one of the smartest steps you can take for a secure federal retirement.”FREE 15-minute call: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtubeSocials:Instagram: https://instagram.com/cdfinancial.llc/Facebook: https://facebook.com/cdfinancialLinkedIn: https://linkedin.com/company/cd-financialNewsletter: https://cdfinancial.com/newsletter

Starting January 28, 2026, military members can finally convert their traditional TSP to Roth while still serving...and if you're deployed to a combat zone, you could convert tens of thousands at near-zero tax rates. Brian "ALF" O'Neill from Wingman Wealth breaks down the game-changing TSP in-plan conversion feature and reveals why this could be a 6- or 7-figure lifetime tax savings for service members who get the strategy right. Main Points Roth vs Traditional Basics- Roth is "tax insuranc" against future taxation Why Military Tax Rates Are So Low What Are TSP In-Plan Conversions? New feature launched January 28, 2026 Convert traditional TSP to Roth TSP while still serving (previously had to wait until separation or age 59½) Can do up to 26 conversions per year Entire converted amount added to taxable income for that year Critical: TSP does NOT allow tax withholding; must have cash set aside externally Conversions are irreversible (no recharacterization allowed) The Combat Zone Golden Opportunity CZTE (Combat Zone Tax Exclusion) drops taxable income to near-zero Can convert large traditional TSP balances at 0-12% tax rates during deployment year Don't have to convert while physically in combat zone—any time during that tax year Example: E-5 deployed full year could convert $50,000+ at minimal tax cost Combat zone contributions also pro-rata (10% CZTE balance = only 90% of conversion taxable) This opportunity disappears after separation—can't replicate as civilian Tax Planning Essentials Paying the Tax Bill Strategic Timing for Conversions Best time #1: End of year (November-December) when you know actual income Best time #2: During market downturns—pay tax on lower value, convert more shares Example: $10,000 balance drops to $5,000, convert at 12% = $600 tax vs. $1,200 Don't tie conversions to deployment timing—tie to when you can see full-year income picture Can dollar-cost-average with multiple conversions throughout year (but probably unnecessary) The "2-1-0" Framework (Advanced) Two: Optimize for two spouses, married filing jointly, similar lifespans One: Optimize for surviving spouse facing higher single tax rates (widow/widower penalty) Zero: Optimize for heirs—prepay tax bill, leave Roth money to children Advanced strategy: High-earning children gift parents money for Roth conversions at parent's lower rate Who Should Convert and How Much Five-Year Rules and Withdrawal Restrictions Common Mistakes to Avoid Implementation Details Related Strategies When Professional Help Makes Sense First-time converters with 5-figure amounts Complex family situations (multiple income sources, kids in college) High-income earners considering large conversions Anyone uncertain about tax projections Use MFAA advisors, Military Tax Experts Alliance, or fee-only CFPs Resources & Links Wingman Wealth: wingmanwealth.com Military Financial Advisors Association (MFAA): militaryfinancialadvisors.org Fighter Pilot Finance Facebook Group (managed by Alf) Nectarine: hellonectarine.com (fee-only advisor consultations) Military Tax Experts Alliance: militarytaxexperts.org IRS Estimated Tax Payments: irs.gov Dinky Town Calculators (free tax projection tools): dinkytown.net/taxes.html  Related Podcast Episodes: Episode 2: TSP Deep Dive (most popular episode) Various TSP fund analysis episodes Key Takeaways TSP in-plan conversions launched January 28, 2026—military members can now convert traditional TSP to Roth while still serving without waiting for separation Combat zone deployments create once-in-a-lifetime opportunities—CZTE income drops taxable income to near-zero, enabling $50,000+ conversions at 0-12% tax rates You must have external cash for taxes—TSP does NOT allow withholding from conversions; need savings, refund, or estimated payments ready Most military members face higher retirement tax rates—pension + civilian job + Social Security likely pushes you into 22-24% brackets, making Roth conversions at current 10-12% rates a no-brainer Conversions are irreversible—no recharacterization allowed, so measure twice and do tax projections before converting Market downturns are conversion opportunities—when account value drops 50%, you pay tax on half the value but convert the same number of shares BRS members have automatic conversion candidates—5% government match always goes traditional, creating ongoing conversion opportunities if you're in low brackets State residency matters enormously—converting while legal resident of Texas saves 5-13% vs. high-tax states like California or New York This could be six-figure lifetime tax savings—depending on account size, career length, and strategy execution, potential $10,000-$100,000+ in tax savings November is optimal conversion month—you know actual income for the year, can calculate exact bracket room, and avoid year-end surprises   Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 20,000 military servicemembers and military spouses have graduated from the 100% free course available at militarymoneymanual.com/umc3 In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, such as waived annual fees, on elite cards like The Platinum Card® from American Express and the Chase Sapphire Reserve® Card. https://militarymoneymanual.com/amex-platinum-military/ https://militarymoneymanual.com/chase-sapphire-reserve-military/ Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3 If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. Want to be confident with your TSP investing? Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE! If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.

Welcome to Episode 353 of the Total Saints Podcast - Your home for all things Southampton FC!Saints are through to the FA Cup fourth round — but once again, it wasn't without drama.We react to a chaotic 3–2 win away at Doncaster Rovers, another alarming second-half collapse, and more questions about Saints' defensive structure, game management, and decision-making.We also pay tribute to lifelong Saints fan and TSP sponsor Paul Castle, with a moving reflection on his support for the club, the podcast, and the wider Saints community.It's then back to Championship action, as Hull City come to St Mary's at the start of a huge three-game week. We're joined by Ant Northgraves from the To Hull and Back podcast to preview the game, assess Hull's playoff push, injuries, January business, and what Saints should expect on Saturday.Plus:Daniel Peretz's mixed debutOriol Romeu's puzzling absenceCam Bragg's continued riseThe £120 FA Cup shirt debateRonnie Edwards' move to QPRSaints Women's 4–0 win over Pompey Hosted on Acast. See acast.com/privacy for more information.

On this week's Just the Tip, we share the must-pack items in your person bag for flights. With this checklist, you'll never forget your travel pillow, chapstick, ear pods, or any other flight essentials.Find a great flight and hotel deals by signing up for ⁠⁠⁠⁠⁠⁠Thrifty Traveler Premium⁠⁠⁠⁠⁠⁠ and get flight deals sent straight to your inbox. Use our promo code TSP to get $20 off your first year subscription.---------------------------------------Shop:⁠ Trip Itineraries ⁠⁠&⁠ ⁠Amazon Storefront ⁠⁠Connect:⁠ ⁠YouTube⁠⁠,⁠ ⁠TikTok⁠⁠, and⁠ ⁠Instagram⁠⁠⁠⁠ ⁠⁠and contact us at travelsquadpodcast@gmail.com to submit a question of the week or inquire about guest interviews and advertising. Submit a question of the week or inquire about guest interviews and advertising.Contains affiliate links, thanks for supporting Travel Squad Podcast!

Download the Guide here: https://cdfinancial.com FREE 15-minute call: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtubeAre you truly ready to retire? This episode of the CD Financial Podcast dives into key questions about eligibility and financial management, helping you to understand the path to getting ready for retirement. We discuss essential aspects of retirement planning to ensure your financial planning is robust.Newsletter: https://cdfinancial.com/newsletterSocials:Instagram: https://instagram.com/cdfinancial.llc/Facebook: https://facebook.com/cdfinancialLinkedIn: https://linkedin.com/company/cd-financial

To kick the new year off, were sharing our top tips and hacks to travel a little more luxury using points, miles, and credit card perks the smart way. We share tips about staying organized and tracking bonuses to flying premium cabins, scoring luxury hotels for nearly free, and maximizing perks like lounge access and hotel credits. If your2026 resolution is to travel more often and spend less, this is the episode for you!Track flight deals on Thrifty Traveler Premium! One of our top hacks is combining points bonuses with point flight deals! Use our promo code TSP to get $20 off your first year subscription.—---------------------------------------Shop: Trip Itineraries ⁠& ⁠Amazon Storefront ⁠Connect: ⁠YouTube⁠, ⁠TikTok⁠, and ⁠Instagram⁠⁠ ⁠and contact us at travelsquadpodcast@gmail.com to submit a question of the week or inquire about guest interviews and advertising. Submit a question of the week or inquire about guest interviews and advertising.Contains affiliate links, thanks for supporting Travel Squad Podcast!

Leaving thousands of dollars in credit card offers on the table because you forgot to activate them? Brooke Merkle from CardPointers reveals how the Chrome extension and app automatically track 40+ credit cards, find the best card for every purchase, and helped one user rack up $40,000 in statement credits, all without spreadsheets or mental math. CardPointers is a tool that automatically adds credit card offers, tracks points across multiple cards, and recommends which card to use for every purchase. This is particularly valuable for military families with fee-waived premium cards. CardPointers even offers a military discount exlusive to our fans at militarymoneymanual.com/cardpointers. Main Points What Card Pointers Does Chrome extension automatically adds offers to all your credit cards (Amex, Chase, Citi, Capital One, Bank of America) Mobile app shows which card earns most points/cash back for each purchase Tracks all points balances across programs in one place Particularly powerful for military families with 5-10+ fee-waived cards The Offer Problem Card Pointers Solves Average credit card user has offers worth $2,000-3,000 annually Most people only activate/use 10-20% of available offers Offers expire if not added to cards within limited time Manually checking 40+ cards for offers is impossible Card Pointers adds ALL offers automatically to ALL cards How It Works Download Chrome extension (free) Connect credit card accounts (read-only access) Extension automatically checks for new offers daily Adds all offers with one click App shows real-time recommendations Pricing Chrome extension: Free basic version Premium features: ~$100-120/year Worth it if you have 5+ credit cards with offers Privacy & Security Read-only access to credit card accounts Same security as Mint, Personal Capital, Monarch Money Doesn't store credit card numbers Can't make purchases or move money Comparison to Manual Tracking Manual: Check 10 cards daily = 30+ minutes Card Pointers: Automatic, 0 minutes Manual: Miss 80% of offers Card Pointers: Capture 95%+ of offers Manual: Forget which card to use Card Pointers: Tells you instantly Best Practices Check extension weekly for new high-value offers Review app before major shopping trips Set up for both spouses if both have cards Particularly valuable during holiday shopping Monitor for targeted high-value offers (10X points, large statement credits) Integration with Military Benefits Works with all fee-waived military cards Tracks Amex Platinum benefits (Lululemon, Resy, streaming credits) Chase Sapphire Reserve credits (DoorDash, travel) Helps maximize value from cards you're not paying annual fees for Resources & Links Military discount on CardPointers available: militarymoneymanual.com/cardpointers Chrome Extension: Search "Card Pointers" in Chrome Web Store Mobile App: Available on iOS and Android app stores Military Money Manual: militarymoneymanual.com Military Money Manual Instagram: @militarymoneymanual   Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 20,000 military servicemembers and military spouses have graduated from the 100% free course available at militarymoneymanual.com/umc3 In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, such as waived annual fees, on elite cards like The Platinum Card® from American Express and the Chase Sapphire Reserve® Card. https://militarymoneymanual.com/amex-platinum-military/ https://militarymoneymanual.com/chase-sapphire-reserve-military/ Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3 If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. Want to be confident with your TSP investing? Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE! If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.

The Thrift Savings Plan's I fund continued its year-long positive run in December, posting a month over month increase of more than 3%. That, by far, was the best performing TSP fund in the final month of 2025. For the year, the I fund saw a return of more than 32%, which was more than 10% higher than any other account. Overall in December, 13 of 15 funds came back in the black. Only the F and S funds posted negative returns in December as compared to November. For the year, 12 of 15 TSP funds returned more than 11%.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

We're breaking down what glamping really is and share unforgettable luxury camping experiences around the world that we've had, from bubble hotels in Mexico's wine country to safari lodges in Uganda and hill country luxury tents in Texas. We're inspiring you to go glamping with all the info on what to expect, who glamping is best for, and why it's the perfect way to experience nature with comfort, style, and incredible views.Find a great flight deal to your next glamping destination by signing up for Thrifty Traveler Premium and get flight deals sent straight to your inbox. Use our promo code TSP to get $20 off your first year subscription.—---------------------------------------Shop: Trip Itineraries ⁠& ⁠Amazon Storefront ⁠Connect: ⁠YouTube⁠, ⁠TikTok⁠, and ⁠Instagram⁠⁠ ⁠and contact us at travelsquadpodcast@gmail.com to submit a question of the week or inquire about guest interviews and advertising. Submit a question of the week or inquire about guest interviews and advertising.Contains affiliate links, thanks for supporting Travel Squad Podcast!

Happy New Year! As 2025 comes to a close, the team looks back on the stories from the True Sunlight Podcast that defined the year, and the systems that made them possible. In this special year-end episode, Mandy provides an update on Cory Fleming's ‘Early Release' and LUNASHARK's digital librarian Kate Thomas takes listeners on a journey through twelve audio clips, one from each month, highlighting the investigations, interviews, and turning points that shaped LUNASHARK's work in 2025. From Pastor JP Miller's lawsuit warfare and eventual federal indictment, to the corruption exposed in Scott Spivey's killing, to Karl Stoller's silencing in the Bowen Turner case—this episode traces the patterns of corruption, the protection of powerful men, and the systemic failures that continue to plague America's justice systems. But we also celebrate the wins: Lee Gilley's indictment in Texas, the charging of former Deputy Billy Squires, the federal cyberstalking charges brought against JP Miller, and federal Child Sexual Abuse Material charges for former SC state rep RJ May and former long-time magistrate judge James Gosnell. Gosnell has pleaded not guilty. This isn't just a recap—it's a reminder of why sunlight matters, why this work must continue, and why your support makes accountability possible. As we look toward 2026, one truth remains clear: the work is far from over, but together, we're making a difference…. And That Is A Big Deal!

Federal Employee Health Benefits (FEHB) & Medicare Part B Explained: What Every Federal Worker and Retiree Must Know in 2025” — get the facts on FEHB cost changes, Medicare coordination, and retirement health planning to avoid unnecessary premium spending and coverage gaps. Discover whether combining FEHB with Medicare Part B or supplements makes sense for you.

In this weeks episode, we're continuing on to Part-two of our adventures in the Canadian Rockies and going to one of the most epic national parks in the world - Banff National Park! We took an early summer trip to this jaw dropping gorgeous destination for several days of hiking, taking in the unreal sights of turquoise blue waters and exploring the great outdoors that only Canada has to offer. If you love lakes, mountains, wildlife, and those beautiful forest mountain vibes, then this is the trip for you! We also dip into nearby Yoho National Park to see the most gorgeous turquoise lake. You don't want to miss this bonus park when you visit Banff.In this episode we cover: Tips for visiting Banff National Park, including where to buy park passes and the shuttle system General travel tips for the area Where to stay in ⁠Lake Louise Village⁠Lake LouiseThe Beehive Trail & Lake Agnes Tea HouseYoho National Park Emerald LakeNatural Bridge Lake Moraine Cave and Basin Lake MinnewankaTwo Jack Lake Upper Hot Springs Make sure to listen to part 1 of this trip to extend your trip up into ⁠Jasper National Park⁠, you won't want to miss the Icefields Parkway! And if you want to take this trip for yourself, download our ⁠7-Day Banff Travel Guide⁠ & view our ⁠Hiking Must Haves⁠ to help take the planning off your shoulders. If you have more time in the area, check out these ⁠recommended experiences⁠ to get even more out of your trip. Find a great flight deals to Banff, or anywhere else, by signing up for ⁠⁠⁠⁠⁠Thrifty Traveler Premium⁠⁠⁠⁠⁠ and get flight deals sent straight to your inbox. Use our promo code TSP to get $20 off your first year subscription.—---------------------------------------Shop: ⁠⁠Trip Itineraries ⁠⁠⁠&⁠⁠ ⁠Amazon Storefront ⁠⁠⁠Connect:⁠⁠ ⁠YouTube⁠⁠⁠,⁠⁠ ⁠TikTok⁠⁠⁠, and⁠⁠ ⁠Instagram⁠⁠⁠⁠⁠⁠ ⁠⁠⁠and contact us at travelsquadpodcast@gmail.com to submit a question of the week or inquire about guest interviews and advertising. Submit a question of the week or inquire about guest interviews and advertising.

Comparing Federal Employees Health Benefits (FEHB) coverage with Medicare Part B + Supplement helps retirees balance premiums, deductibles, and out-of-pocket costs while maximizing access to care.FEHB + Part B or Medicare Part B with a Supplement — What's the smarter retirement healthcare move for federal employees and retirees navigating rising FEHB costs and Medicare decisions? Discover how FEHB coordinates with Medicare, when Medicare Part B makes sense, and why dual coverage can change your out-of-pocket risk in retirement.

Is 2026 the year you finally take control of your military finances? With a 3.8% pay raise, new TSP contribution limits of $24,500, and proven strategies that helped one E-7 reach $600,000 in net worth by year 14, Spencer and Jamie break down exactly how to build wealth while serving, even if you're starting from scratch or recovering from financial setbacks. In this episode, we provide a comprehensive 2026 financial reset for military families, covering everything from emergency funds and debt payoff to maxing tax-advantaged accounts and avoiding lifestyle creep. Perfect for anyone wanting to turn the new year into a fresh financial start. Main Discussion Points Know Where You Are Before You Start Track your spending using apps like Monarch Money, YNAB, Rocket Money, or simple spreadsheet Face your financial reality- write down all debt and net worth even if it's negative Government shutdown proved why emergency funds matter: 3-6 months of expenses minimum Example: $500 car repair covered by emergency fund eliminated stress entirely Unique Military Financial Advantages Tax-free income: BAH, BAS, COLA not subject to federal income tax or payroll taxes (7%+ savings) State tax residency: Change to tax-free state (Texas, Florida, etc.) when stationed there! Spouse can too under Military Spouse Residency Relief Act TSP match: 5% automatic match after 2 years for BRS members. Don't leave free money on table Healthcare and housing covered through Tricare and BAH/base housing Example: Saving $300/month by changing state residency adds up to thousands annually 2026 Numbers to Know TSP contribution limit: $24,500 (up from previous year) TSP annual additions limit: $72,000 (includes match and combat zone contributions) Roth IRA limit: $7,000 per person ($14,000 for married couples, even if spouse doesn't work) Military pay raise: 3.8% coming. Automate at least 1% of increase into TSP E6 with 8+ years gets roughly $150-180/month extra income from pay raise Priority Order for Tax-Advantaged Accounts Contribute 5% to TSP (get full government match for BRS members) Max Roth IRA: $7,000 for you, $7,000 for spouse Go back and max TSP at $24,500 Only then consider taxable brokerage accounts Total to max everything: $48,500 for married couples Don't stress if you can't max—contributing 10-20% is still excellent and beats average American 5% savings rate Invest Simply Using LADS Method Low-cost, Automated, Diversified, Simple TSP Lifecycle 2075 fund: 60% US stocks, 40% international, minimal bonds—perfect set-it-and-forget-it option Alternative: 80% C Fund, 10% S Fund, 10% I Fund Don't performance chase because last year's winner often becomes next year's loser Boring is beautiful in investing. Let it compound for 20 years Path to Military Millionaire Status E7 example: $500/month starting as E3, by age 45 = $1 million at 7% return Real example from Reddit: E7 with 14 years, $600,000 saved, contributing $20-25k/year In 10 years that E7 will have $1.2 million just from money already contributed (before new contributions) Add military pension: $30k/year plus $40k from 4% rule = $70k annual income in retirement Time is your biggest asset. US stock market doubles roughly every 7-10 years Common Mistakes to Avoid in 2026 Not contributing to TSP at all (minimum 5%, goal 15%+) TSP loans for non-emergencies...change behavior instead New car trap: 7-year car loans becoming standard, shooting yourself in financial foot Lifestyle creep: Give half of pay raise to savings, half to lifestyle improvements Waiting for "perfect time." Spoiler: there's never a perfect time. Start this weekend Capture Free Money Review LES monthly for accuracy File paperwork for CZTE, hostile fire pay, family separation allowance Follow up with finance multiple times if needed. Don't give up on money you're owed Request corrected W2s if aircrew touching tax-free zones in Nov/Dec Spencer recovered $20,000+ over career by being persistent with finance Take Action Now Schedule family money meeting. Make it a priority! Hire babysitter if needed, dedicate one hour Write down all debt on paper: credit cards, student loans, auto loans Acknowledge it's overwhelming but necessary to move forward Resources: Dave Ramsey's Total Money Makeover or Ramit Sethi's I Will Teach You to Be Rich Resources & Links Budgetting and tracking: Monarch Money, YNAB (You Need A Budget), Rocket Money, Every Dollar Credit card offers: Card Pointers Chrome plugin Free books: Libby app + MWR library on base Military Money Manual by Spencer Reese Selected as US Air Force Academy Class of 2023 graduating gift Dave Ramsey's Total Money Makeover Ramit Sethi's I Will Teach You to Be Rich and Money for Couples TSP match/max charts by rank The Money Guy Show: Financial Order of Operations   Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 20,000 military servicemembers and military spouses have graduated from the 100% free course available at militarymoneymanual.com/umc3 In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, such as waived annual fees, on elite cards like The Platinum Card® from American Express and the Chase Sapphire Reserve® Card. https://militarymoneymanual.com/amex-platinum-military/ https://militarymoneymanual.com/chase-sapphire-reserve-military/ Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3 If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. Want to be confident with your TSP investing? Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE! If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.

As the year closes, federal employees can't afford to miss critical planning opportunities that protect their retirement and avoid costly mistakes. In this episode of the Plan Your Federal Retirement Podcast, Micah Shilanski, Wealth Advisor, and Luke Eberly, Wealth Advisor, break down real-world, end-of-year action items they are actively handling with clients right now. They talk about last-minute planning for 2025, including Required Minimum Distributions (RMDs), Qualified Charitable Distributions (QCDs), Roth conversions, and estimated tax payments, all with a focus on being aware of IRS penalties. Tune in to learn about strategies for January 2026, like new TSP contribution limits, Roth and HSA planning, and why it's better to start early rather than wait until the end of the year. If you are a federal employee or retiree who wants to end the year well and begin the next one with clear plans and confidence, this episode offers practical tips you can use right away. https://zurl.co/iaMcA

SHOW NOTES: Welcome to the final episode of The Money Pit, where we celebrate more than 21 years of helping you turn your house into a home you love. In this bittersweet finale, Leslie Segrete and Jim Kenzie reflect on our many years of offering floorboards-to-shingles advice while honoring the legacy of our late friend and long-time co-host, Tom Kraeutler. Thank you for more than two decades of The Money Pit. And remember: you can do it yourself, but you don't have to do it alone. - Preventive Maintenance: We emphasize that consistent home maintenance is the most vital habit for any homeowner, because small tasks like cleaning gutters or changing filters prevent the most expensive disasters. Remember, a home is a living thing that requires constant care and attention to truly reward its inhabitants. - Common Homeowner Mistakes: We do a review of the most common homeowner pitfalls we've seen on The Money Pit, such as the temptation to hire the cheapest contractor, which often leads to poor quality and higher costs in the long run. We also hear from listeners about water and moisture issues; make sure you address those, because they will never resolve themselves and only grow more destructive over time. - Home Improvement Projects That Pay Off: We detail home improvement investments that pay off every time, such as prioritizing energy efficiency through insulation and smart thermostats to increase comfort and reduce bills. Additionally, we recommend focusing on lighting upgrades and safety essentials like smoke alarms and secure railings to ensure a home is a place where families can thrive.   Q & A: - George in Arkansas dealt with a chilly bedroom despite a 72-degree thermostat setting. We advise him to add 15 to 20 inches of insulation in his attic and use the back of his hand to find and seal drafts around window jams and outlets. - Cliff in Nebraska wanted to know how to make new wood picture frames look like weathered barnwood. We suggest burning the wood with a propane torch and using a wire brush to remove the soft char, creating a "driftwoody" texture before staining. - Lori in New Jersey asked how to treat a garage floor coated in thick oil and grease. The answer is to pressure wash the floor with a TSP solution and then apply a durable, two-part epoxy floor finish. - Lisa in Texas inquired about the safety of older two-prong outlets in her 1960s home. We explain that while they can be safe with adapters, it is much better to hire an electrician to upgrade the wiring to a modern, grounded system.   ASK A QUESTION: Need help with your own home improvement or décor question? We'd love to help! Call the show 24/7 at 888-MONEY-PIT (888-666-3974) or post your question here: https://www.moneypit.com/ask. Learn more about your ad choices. Visit podcastchoices.com/adchoices

On this week's Just the Tip, we're sharing our practical tips to make the most of your time in the airport during a long layover. Find a great flight deals by signing up for ⁠⁠⁠⁠Thrifty Traveler Premium⁠⁠⁠⁠ and get flight deals sent straight to your inbox. Use our promo code TSP to get $20 off your first year subscription.—---------------------------------------Shop: ⁠Trip Itineraries ⁠⁠&⁠ ⁠Amazon Storefront ⁠⁠Connect:⁠ ⁠YouTube⁠⁠,⁠ ⁠TikTok⁠⁠, and⁠ ⁠Instagram⁠⁠⁠⁠ ⁠⁠and contact us at travelsquadpodcast@gmail.com to submit a question of the week or inquire about guest interviews and advertising. Submit a question of the week or inquire about guest interviews and advertising.

#ChristmasEve #MidnightTarot #HolidayReadings #BreakawayRay #RSnow #LiveTarot #TSPFamily #HolidayTogether #PsychicReading #TarotCommunity #ChristmasSpirit #EsotericChristmas #HolidayPortal #TarotLive #TypicalSkepticPodcasthttps://www.youtube.com/@STARCARD-PODCAST - Rays Starcard Podcast Youtube⭐ Breakaway Ray – Bio (Corrected & Promo Ready)Breakaway Ray (R. Snow) is a tarot reader, intuitive channel, consciousness explorer, and multidimensional researcher known for his deep insight into spiritual awakening, personal transformation, and the hidden architecture of reality. His work blends traditional tarot symbolism with higher-sense perception, timeline awareness, and energetic decoding.Ray focuses on helping people:Gain clarity on their soul path and life cyclesUnderstand relationship dynamics & karmic patternsNavigate spiritual awakening symptomsIntegrate shadow work with compassionTune into their own intuition and inner guidanceAccess timelines aligned with healing and purposeHis readings are known for being accurate, direct, and deeply validating, often revealing the unseen forces shaping a person's current situation. He has become a TSP fan favorite for his calm presence, grounded delivery, and ability to translate complex spiritual energy into messages people can actually use.Breakaway Ray brings a unique blend of wisdom, clarity, and heart, making him one of the most requested intuitive readers in the TSP community.Typical Skeptic Podcast Links and Affiliates:Support the Mission:

Have you ever wondered what a Social Security bridge strategy is? In this episode, Floyd Shilanski, CFPⓇ breaks down how these strategies can help retirees wait to claim Social Security and boost their lifetime income. Rather than filing for Social Security at 62, some retirees use their TSP, 401(k), or other savings to cover income needs until they reach full retirement age or even 70. Floyd discusses why living longer matters, how waiting can increase your monthly income, and why each person needs a plan that fits their situation. Most importantly, this episode focuses on planning, coordination, and making choices that fit you, instead of following advice from friends, neighbors, or social media. If you're getting close to retirement and unsure about when to claim Social Security, this episode will help you see your options and the pros and cons of each.

Big changes are coming to your TSP catch-up contributions in 2026 and if you miss them, you could accidentally throw off your entire tax strategy.

In this episode, I break down nine practical money moves I believe every service member can use to build long-term, generational wealth. I walk through how I think about discipline with money, starting with simple systems like maximizing the TSP match and building an emergency fund. I also explain why eliminating bad debt early gives you leverage and freedom later. My goal is to help you create a financial foundation that runs on autopilot while you focus on bigger opportunities.   Timestamps (00:00) — Intro (01:08) — TSP matching explained (03:05) — Emergency fund basics (04:20) — Eliminating bad debt (05:50) — VA house hacking strategy (08:15) — Consistency builds wealth   About the Show On the Military Millionaire Podcast, I share real conversations with service members, veterans, and their families. Each week, we explore how to build wealth through personal finance, entrepreneurship, and real estate investing. Resources & Links Download a free copy of my book: https://www.frommilitarytomillionaire.com/free-book Sign up for free webinar trainings: https://www.frommilitarytomillionaire.com/register Join our investor list: https://www.frommilitarytomillionaire.com/investors Apply for The War Room Mastermind: https://www.frommilitarytomillionaire.com/mastermind-application Get an intro to recommended VA agents/lenders: https://www.frommilitarytomillionaire.com/va-realtor Guide to raising capital: https://www.frommilitarytomillionaire.com/capital-raising-guide   Connect with David Pere Facebook Group: https://www.facebook.com/groups/militarymillionaire YouTube Channel: https://www.youtube.com/@Frommilitarytomillionaire?sub_confirmation=1 Instagram: https://www.instagram.com/frommilitarytomillionaire/ LinkedIn: https://www.linkedin.com/in/david-pere/ X (Twitter): https://x.com/militaryrei TikTok: https://www.tiktok.com/@militarymillionaire

One call changed everything for Carter.After losing his mom, the real shock wasn't just the loss.After the 2008 crash, nearly a million dollars, her entire retirement fund, vanished.Your retirement account wasn't built to make you rich.This is why traditional retirement advice fails investors, what's really happening inside IRAs and 401(k)s, and how Wall Street wins while you carry all the risk.A 2% fee doesn't sound like much.Until it quietly steals two-thirds of your retirement.If your 401(k) were actually doing its job, you wouldn't be nervous about retirement.That's why on Thursday, December 18th at 5 PM CST, my buddy Nate Harris from Unified Wealth will show you how real estate investors are using self-directed IRAs and Solo 401(k)s to fund their deals the right way, compliantly.It's completely free to join.ZOOM LINK: https://7figureflipping.zoom.us/j/84999284369If you've got money sitting in an old 401(k), IRA, TSP, or any other retirement account that's barely keeping pace with inflation, this training could completely change your retirement strategy.Catch you later!LINKS & RESOURCES1,000 FREE Seller LeadsGet your first 1,000 seller leads FREE from our partner BatchLeads and start closing deals immediately. CLICK HERE: http://leads.getbatch.co/mztQkMr7 Figure Flipping UndergroundIf you want to learn how to make money flipping and wholesaling houses without risking your life savings or "working weekends" forever... this book is for YOU. It'll take you from "complete beginner" to closing your first deal or even your next 10 deals without the bumps and bruises most people pick up along the way. If you've never flipped a house before, you'll find step-by-step instructions on everything you need to know to get started. If you're already flipping or wholesaling houses, you'll find fast-track secrets that will cut years off your learning curve and let you streamline your operations, maximize profit, do MORE deals, and work LESS. CLICK HERE: https://hubs.ly/Q01ggDSh0 7 Figure RunwayFollow a proven 5-step formula to create consistent monthly income flipping and wholesaling houses, then turn your active income into passive cash flow and create a life of freedom. 7 Figure Runway is an intensive, nothing-held-back mentoring group for real estate investors who want to build a "scalable" business and start "stacking" assets to build long-term wealth. Get off-market deal sourcing strategies that work, plus 100% purchase and renovation financing through our built-in funding partners, a community of active investors who will support and encourage you, weekly accountability sessions to keep you on track, 1-on-1 coaching, and more. CLICK HERE: https://hubs.ly/Q01ggDLL0 7 Figure Real Estate Ready RoomUse this proven blueprint to launch and grow your real estate investing business. Step-by-step video course takes you through everything you need to know… and we'll jump on WEEKLY workshops to break down each step with you LIVE! Think of it like getting a master's degree in tactical real estate investing for a fraction of the cost. CLICK HERE: https://7figureflipping.com/ready Connect with us on Facebook and Instagram: @7figureflipping Hosted on Acast. See acast.com/privacy for more information.

In part-one of this two-part episode we head up to Canada to take Jasper National Park by storm! In this episode we detail the first half of our week trip exploring Jasper and Kootenay National Parks. We share our adventures hiking, exploring the gorgeous lakes, seeing bears, dipping in the hot springs, trekking on a glacier, and stopping along the Icefields Parkway. In this episode we cover:Tips for visiting Jasper National Park, including where to buy park passes General travel tips for Jasper National Park, Kootenay National Park, and the Canadian Rockies. ⁠⁠Where to stay in Hinton ⁠⁠Lakes: Lake Louise, Bow Lake, Peyto Lake, Maligne Lake, Pyramid Lake, Medicine Lake, Valley of the Five Lakes, Waterfowl LakesWaterfalls: Sunwapta Falls, Athabasca Falls, & Numa FallsCanyons: Maligne Canyon, Mistaya Canyon, & Marble Canyon Downtown JasperMiette Hot Springs Columbia Icefield Adventure: Athabasca Glacier and Skywalk Continental Divide Make sure to listen to part 2 of this episode where we head to ⁠⁠Banff National Park⁠⁠ and if you want to take this same exact trip, we have a ⁠⁠7 Day Banff National Park Travel Guide⁠⁠ for you to download & ⁠⁠Hiking Must Haves⁠⁠ to help take the planning off your shoulders. If you have more time in the area, check out these ⁠⁠recommended experiences⁠⁠ to get even more out of your trip.Find a great flight deal to Jasper National Park, or anywhere else, by signing up for ⁠⁠⁠⁠Thrifty Traveler Premium⁠⁠⁠⁠ and get flight deals sent straight to your inbox. Use our promo code TSP to get $20 off your first year subscription.--------------------------------------------Shop:⁠⁠ Trip Itineraries ⁠⁠⁠&⁠⁠ ⁠Amazon Storefront ⁠⁠⁠Connect:⁠⁠ ⁠YouTube⁠⁠⁠,⁠⁠ ⁠TikTok⁠⁠⁠, and⁠⁠ ⁠Instagram⁠⁠⁠⁠⁠⁠ ⁠⁠⁠and contact us at travelsquadpodcast@gmail.com to submit a question of the week or inquire about guest interviews and advertising. Submit a question of the week or inquire about guest interviews and advertising.

⭐ TYPICAL SKEPTIC PODCAST #2343“Oracle Card Extravaganza – Fundraiser for Julia & TSP”⏰ Live at 7 PM Eastern⭐ SHOW INTRO / BIOTonight is a huge community night on the Typical Skeptic Podcast.My good friend Julia from Anchorhaven is joining me for a Live Oracle Card Extravaganza — a special evening dedicated to readings, intuition, healing, and community support.Tonight's goals:✨ 1. Live Oracle ReadingsBoth Julia and I will be pulling cards for the audience — guidance, messages, activations, and clarity.✨ 2. Help Julia Get to the Bases Conference (UK)Julia is scheduled to appear at the Bases Conference this weekend in the United Kingdom.She needs a little more financial help to make the trip possible, and we want to support her as a community.✨ 3. Fundraising for TSP & Independent MediaDonations tonight support both Julia and the show — keeping the platform alive and lifting up community members doing real work.Let's make this a magical night.⭐ JULIA'S LINKS

Joe's Premium Subscription: www.standardgrain.comGrain Markets and Other Stuff Links —Apple PodcastsSpotifyTikTokYouTubeFutures and options trading involves risk of loss and is not suitable for everyone.