Podcasts about TSP

Annuities are among the financial products that can spark a lot of strong opinions. Some people love them, while some people warn everyone to stay far away from them. A lot of people are stuck somewhere in the middle, trying to figure out what an annuity actually is, what it does, and whether it makes sense for their situation. The hard part is that annuities come with a lot of jargon, fees, surrender charges, and sales language that can make them hard to understand. And when you're making decisions with retirement money, your TSP, a pension, or other savings, confusion can get expensive fast. In this episode, Tracy Lownsberry, founder of Annuity Giants, Army veteran, and annuity expert, breaks down annuities in plain English. We talk about what annuities are, the problems they're designed to solve, who they may or may not be right for, what military families should consider, and the red flags to watch for before buying one. For more information, visit the full show notes at https://milmo.co/podcast/annuities-explained-without-the-sales-pitch   For more MILMO, follow at: https://MILMO.co ItsMILMO on YouTube @itsmilmo on X @itsmilmo Instagram @itsmilmo LinkedIn @itsmilmo Facebook

Don answers a diverse collection of listener questions covering Roth conversions, indexed annuities, emergency fund management, TSP contributions, inherited money, and portfolio construction. He delivers a forceful warning about indexed annuities and commission-driven insurance sales after one listener considers using an annuity bonus to offset Roth conversion taxes. Other questions explore whether short-term bond funds belong inside a Roth IRA, how much attention investors should pay to taxes, investing a potential $200,000 windfall, Roth versus traditional TSP contributions, and Paul Merriman's popular Two-Fund for Life strategy. Along the way, Don shares his appreciation for readers of The Line Uncrossed and reminds listeners how to submit questions through the new Talking Real Money website.0:05 Summer question slowdown, Friday Q&A format, and submitting questions through the new website1:41 Listener asks about using an indexed annuity bonus to help fund a Roth conversion3:14 Why indexed annuities are often misleading and how insurance commissions create conflicts5:01 The risks of moving an entire retirement portfolio to cash at retirement6:30 Why a comprehensive fiduciary financial plan may be essential for this listener8:16 Question about holding VFSTX as part of an emergency fund strategy10:36 Why taxes are often a minor concern compared with investment allocation11:03 Why a short-term bond fund may not belong inside a 42-year-old's Roth IRA12:17 Balancing growth, risk tolerance, and liquidity needs13:22 TSP lifecycle funds, Roth contributions, and planning for a possible $200,000 windfall15:03 Separating travel money from long-term investment assets16:09 Paul Merriman's Two-Fund for Life strategy17:38 The role of small-cap value funds alongside target-date funds18:13 Fama-French factor investing and the tradeoff between simplicity and optimization19:15 Closing thoughts on listener questions and participation20:26 What makes a fiduciary advisor different from a commissioned salesperson21:13 Update on The Line Uncrossed and request for listener reviewsQuestions? Comments? Click!

On this week's Just the Tip, we're sharing the ends we will go to ensure we get good sleep on a plane, especially on larger flights. This episodes shares tips for what to bring and how to prepare to sleep soundly while in the air.Find a great flight deal to wherever you are going 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!

Falling behind on taxes can feel overwhelming. Maybe you missed one year, then another. Maybe a job change, a divorce, an illness, a death in the family, or a season of financial hardship made it hard to keep up. Or perhaps you started gig work, received a 1099 for the first time, and were surprised to discover that you owed more than expected. Whatever the reason, failing to file your taxes for several years is serious—but it is not the end of the road. The IRS would rather see you come back into compliance than continue avoiding the issue. The most important step is to begin. Kevin Cross has helped many people walk through this very situation, and his counsel is simple: don't panic, don't ignore it, and don't assume it's too late to get help. Start With the Current Year If you have not filed taxes in several years, your first instinct may be to go back to the earliest missed return and start there. But Kevin often recommends a different first step: filing the most recent tax year. The goal is to show the IRS that you are trying to come back into compliance. Filing the current year helps convey that this was not willful neglect but a season when something went wrong, and that you are now taking responsibility. The further behind you are, the harder it can feel to catch up. But beginning with the most recent return can give you a clear starting point and stop the pattern from continuing. Why People Fall Behind There are many reasons someone may stop filing taxes. Some are self-employed or gig workers who receive a 1099 and discover they owe thousands of dollars because taxes were not withheld throughout the year. Others fall behind after a divorce, death, disability, job loss, or another major life disruption. Since the COVID years, many people have also struggled to keep up with their tax responsibilities. Once one year is missed, it can be easy to feel overwhelmed and avoid the next one, too. But avoidance only makes the problem heavier. The path forward begins with gathering information and getting the right help. Not Filing Is Different From Not Paying It is important to understand the difference between not filing and not paying. If you owe taxes, the April deadline matters. You can file an extension to extend the time to file your return, but that extension does not extend the time to pay any tax you owe. However, if you are due a refund, there is generally no penalty for filing late. But there is a time limit. If you wait too long—typically more than three years—you may lose the ability to claim that refund. Some people may not be required to file at all. For example, if Social Security is your only source of income, you generally do not need to file a federal tax return. But the challenge is that many people do not know whether they owe or not until their information is reviewed. Other income can change the picture, such as interest, dividends, retirement distributions, self-employment income, or the sale of a home. Even a home sale that qualifies for the primary residence capital gains exclusion may still need to be reported properly so the IRS understands why no tax is owed. Gather Your Wage and Income Transcripts One practical step is to request a wage and income transcript from the IRS. This transcript shows what the IRS has on file for you, including W-2s, 1099s, mortgage interest forms, retirement distributions, and other tax-related documents. You can request this through the IRS website. Searching for “IRS wage and income transcript” should take you to the right place. This can be especially helpful if you do not have all your old tax documents. It gives you a starting point for reconstructing the missing years. Work With a Qualified Tax Professional While you can download your transcripts yourself, you may not know what to do with them once you have them. IRS transcripts do not look like regular tax forms, and catching up after multiple missed years can involve more than simply filling out returns. That is why Kevin recommends working with a tax professional who understands tax representation and IRS procedures. A qualified CPA, enrolled agent, or tax professional can help determine which years need to be filed and how to communicate with the IRS. According to Kevin, the IRS typically focuses on the past six years when bringing a taxpayer back into compliance. That does not mean every situation is identical, but it does mean you should not simply assume you need to start with a very old return from decades ago. A knowledgeable professional can help you determine the proper path. The IRS Will Work With You Many people avoid filing because they are afraid of what they might owe. But the IRS has options for taxpayers who cannot pay everything at once. Depending on your situation, those options may include a payment plan or, in some cases, an offer in compromise. The key is to take the first step rather than remain silent. Ignoring the problem will not make it disappear. But taking action can begin to restore order, clarity, and peace of mind. A Faithful Step Forward Taxes may not be pleasant, but handling them honestly is part of faithful stewardship. Romans 13:7 says, “Pay to all what is owed to them: taxes to whom taxes are owed, revenue to whom revenue is owed.” If you have fallen behind, do not let shame keep you stuck. Begin with the next faithful step. Gather your documents. Request your transcripts. File the current year. Then find a qualified tax professional who can help you walk through the rest. And if you would like to find a trusted financial professional who shares your values, visit FindaCKA.com to connect with a Certified Kingdom Advisor® (CKA®) near you. On Today's Program, Rob Answers Listener Questions: I have about $18,000 in credit card debt. I may have the opportunity to work in Alaska's fishing industry for three months and earn enough to pay it off quickly. Should I contact Christian Credit Counselors before I go, or wait to see how much progress I can make during those three months? I have a Thrift Savings Plan and plan to retire within the next five years. I was told I could roll over part of my TSP into something that would protect the principal, keep it from going down, and still leave my TSP open for contributions. Is that wise, and is it really guaranteed not to lose value? I'm 59 and have contributed to my company's traditional 401(k) for years, with a 50% employer match. I'm near the end of my career and likely at my highest income level. Should I keep contributing to the traditional 401(k), or would a Roth option make more sense? I've been studying the Bible for just over a year and recently began tithing. I want to honor the Lord faithfully, but I'm not sure where the tithe should go. Biblically, who should receive it? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Christian Credit Counselors Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Apply for a Retirement Consultation:https://perspectivefunnel.co/682642d22275ec003bfa6626/691df07396253e003c42b434/?ps_hello=%20Get the Digital Federal Retirement Guidebook:https://cdfinancial.org/being-a-federal-employee-in-the-era-of-trump-book/Take the Checklist Challenge:https://cdfinancial.org/checklist-challenge/Subscribe for Weekly Federal Retirement Planning Content:https://cdfinancial.com/newsletterYou're 60, you have a federal pension and $1M saved — so why doesn't it feel like enough? The answer is 5 unmade decisions, not more dollars.If you are within a year or two of leaving federal service with a FERS pension and a healthy TSP balance, this is the time to stop asking "Am I okay?" and start asking "Have I decided?" In this video, Charles and Marcus break down the 5 Decisions Framework federal employees should work through before finalizing retirement: income order, taxes and RMDs, healthcare, investments, and purpose.Whether you are trying to decide when to file for Social Security, how to manage the tax window before RMDs begin at 73, or how FEHB and Medicare Part B fit together, this episode walks through the planning areas many federal employees overlook — including the two decisions that have nothing to do with a spreadsheet.━━━━━━━━━━━━━━━FEDERAL RETIREMENT RESOURCES━━━━━━━━━━━━━━━OPM Retirement Center:https://www.opm.gov/retirement-center/Social Security Delayed Retirement Credits:https://www.ssa.gov/benefits/retirement/planner/delayret.html━━━━━━━━━━━━━━━TIMESTAMPS━━━━━━━━━━━━━━━0:00 Age 60 With a Federal Pension and $1M — Am I Okay?2:00 Why "Am I Okay?" Is the Wrong Question3:00 Decision 1: Income Order — Pension, Social Security, or TSP First?5:30 Decision 2: Taxes & RMDs — The Age 73 Cliff and Your Tax Window7:30 Decision 3: Healthcare — FEHB + Medicare Part B9:30 The Two Decisions That Aren't About Money10:00 Decision 4: Investments — From Accumulation to Distribution12:00 Decision 5: Purpose — The Tuesday at 10 AM Test14:00 What to Do This Month If Retirement Is Approaching16:30 "Have I Decided?" — The Real Question18:30 How to Get Answers for Your Specific Situation━━━━━━━━━━━━━━━WHO WE ARE━━━━━━━━━━━━━━━CD Financial helps federal employees and retirees make smarter retirement decisions around FERS, TSP, FEHB, Medicare, survivor benefits, retirement income planning, and health-focused financial strategies.Our mission is simple:Help federal employees retire with more clarity, confidence, and peace of mind.Subscribe for practical federal retirement planning content designed to help you better understand your benefits, avoid common planning gaps, and prepare for your next chapter with confidence.━━━━━━━━━━━━━━━IMPORTANT DISCLAIMER━━━━━━━━━━━━━━━Advisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company.This video is for educational purposes only and should not be considered financial, legal, tax, healthcare, or investment advice. Federal retirement decisions depend on your individual service history, agency records, health coverage, survivor needs, retirement income goals, and personal circumstances. Always consult qualified professionals and review official OPM guidance before making retirement elections.Opinions expressed herein are solely those of CD Financial and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy or completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation.retire at 60 federal employee, federal pension and TSP retirement, FERS retirement at 60, can I retire with 1 million and a pension, TSP withdrawal strategy, when to take Social Security federal employee, RMD age 73, Roth conversion before RMDs, FEHB and Medicare Part B, IRMAA surcharge, sequence of returns risk, retirement income order, federal retirement planning#federalretirement #FERS #retirement #TSP #federalemployees #retirementsavings #governmentemployee #RetireAt60 #FederalPension #CDFinancialSupport the show

These risks can affect your pension, TSP, Social Security benefits, and overall retirement strategy long after your retirement date arrives. Understanding these risks may help you make more informed decisions as you prepare for the years ahead. Schedule a conversation with a professional to walk through your options and support more informed decision-making: https://plan-your-federal-retirement.com/schedule-your-personal-consultation/?utm_medium=youtube&utm_source=youtube&utm_campaign=youtube

Apply for a Retirement Consultation:https://perspectivefunnel.co/682642d22275ec003bfa6626/691df07396253e003c42b434/?ps_hello=%20Get the Digital Federal Retirement Guidebook:https://cdfinancial.org/being-a-federal-employee-in-the-era-of-trump-book/Take the Checklist Challenge:https://cdfinancial.org/checklist-challenge/Subscribe for Weekly Federal Retirement Planning Content:https://cdfinancial.com/newsletterComment Below:Are You Waiting Too Long to Plan Your Roth TSP Strategy?If you are a federal employee in the final stretch before retirement, your Roth TSP conversion strategy could affect far more than just this year's taxes. In this video, we walk through how traditional TSP balances, FERS pension income, Social Security, RMDs, and Medicare IRMAA can all stack together later in retirement.Many federal employees assume they will automatically be in a lower tax bracket after they retire. But for FERS retirees with a pension, Social Security, and a large traditional TSP balance, that assumption may create planning gaps that do not show up until years later.Whether you are trying to reduce future required minimum distributions, create more tax flexibility, or avoid common mistakes around Roth conversions, this episode shows why the timing of your TSP tax strategy matters.━━━━━━━━━━━━━━━IN THIS VIDEO YOU CAN LEARN━━━━━━━━━━━━━━━Why Roth TSP conversions may matter before federal retirementHow a traditional TSP balance can create future RMD pressureWhy FERS pension income and Social Security can affect your tax bracketHow larger RMDs may increase Medicare IRMAA riskWhy “I'll be in a lower tax bracket later” may not always apply to federal employeesHow a $50,000 per year Roth conversion example may change long-term tax outcomesWhy having outside money to pay the tax bill is important before convertingHow Roth planning can give retirees more control over future income━━━━━━━━━━━━━━━FEDERAL RETIREMENT RESOURCES━━━━━━━━━━━━━━━TSP Roth In-Plan Conversions:https://www.tsp.gov/investing-strategies/roth-in-plan-conversions/IRS Required Minimum Distributions:https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-required-minimum-distributions-rmdsSSA IRMAA Sliding Scale Tables:https://secure.ssa.gov/poms.nsf/lnx/0601101020OPM Retirement Center:https://www.opm.gov/retirement-center/━━━━━━━━━━━━━━━TIMESTAMPS━━━━━━━━━━━━━━━0:00 The $80,000 TSP Roth Mistake Federal Employees Should Understand0:24 Roth Conversions With a Pension While Still Working0:53 The “Lower Tax Bracket in Retirement” Assumption1:30 Linda and Susie: Same Federal Retirement, Different TSP Strategy2:19 Traditional TSP vs. Roth Conversion Planning3:12 How RMDs Can Push Taxes and Medicare Costs Higher3:54 Why Roth TSP Money Can Create More Retirement Flexibility4:32 The Tax Delta: How One Decision May Create an $80,000 Difference5:14 Why Today's Tax Brackets Matter for Federal Retirement Planning5:42 When Roth Conversions May Not Make SenseAdvisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company.Opinions expressed herein are solely those of CD Financial and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation.Support the show

Eric and Marty return to TSP and talk about their favorite new hardware.EPOMAKER TH108 PRO Full Size Mechanical Keyboard with Screen & Knob, Wireless Gaming Keyboard https://www.amazon.com/dp/B0FVLS8Z9BMacBook Neo - Applehttps://www.apple.com/macbook-neo/Plaud Note Al Voice Recorder, Note Taker w/Case, App Control, Transcribe & Summarize with Alhttps://www.amazon.com/dp/B0CZX48H2ZMOKiN 10Gbps USB C Hub Ethernet, 7 in 1 USB C Adapter for MacBook Pro/Air with 4K@60HZ HDMIhttps://www.amazon.com/dp/B0CN115DM4Lifelong Ergonomic Adjustable Laptop Stand for Desk, Extra Tall 20" Height Aluminum Laptop Riserhttps://www.amazon.com/dp/B08G3YGDJ1Presentation Clicker PowerPoint Wireless Presenter Remotehttps://www.amazon.com/Presentation-PowerPoint-Presentations-Presenter-Projector/dp/B0B8SDK2LH/Ember Temperature Control Smart Mug 2, 14 Oz, App-Controlled Heated Coffee Mughttps://www.amazon.com/dp/B07Z5H4TF5YouTube.com/@TechSavvyProfessorThePodTalkNetwork@gmail.comThePodTalk.Net

Planning a trip to Athens? In this episode, we share our Athens itinerary, including the Acropolis, Acropolis Museum, Ancient Agora, Greek food tour, Plaka neighborhood, Aegina Island day trip, Lake Vouliagmeni, and practical travel tips for transportation, tickets, and budgeting in Greece.If you want to take this exact trip, download our 3 Day Athens Itinerary and if you plan on visiting the islands check out our 9 Day Greece Itinerary!Athens, Greece Episode Highlights: Download an E-sim before you arriveSmall Group Greek Traditional Food Tour in Athens 20+ TastingsAegina Island Daytrip Delphi Daytrip Lake Vouliagmeni Thermal Spa And Temple Of Poseidon TourMore Greece Activities & Tours for all activities we recommend and even some that we wanted to do but couldn't get to. Our top recommended hotels in Athens: InterContinental Athenaeum Athens by IHGAcropolis View HotelAthens Gate HotelAthens4Check out our Greece Activities & Tours for all activities we recommend and even some that we wanted to do but couldn't get to. Find a great flight deal to Athens with Thrifty Traveler's Premium Subscription. You'll get flight (and hotel!) 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

The Speed Project to niesankcjonowany bieg prowadzący z Los Angeles w Kalifornii do Las Vegas w Nevadzie. Bieg ma start i metę - dokładną trasę wyznaczają sobie drużyny własnoręcznie, zasady są ograniczone do minimum. Możesz pobiec solo lub w dowolnie licznej ekipie, ale niezależnie od wyznaczonej trasy, czy doboru kompanów - czekają cię tysiące metrów przewyższeń, pustynny skwar, piasek i wiatr w oczy, niezapowiedziane niebezpieczeństwa, a na koniec - niezapomniane wspomnienia.W najnowszym podcaście Bieganie.pl Maciej Wójcik rozmawia z Karolem Klepackim i Markiem Ogniem, o ich doświadczeniach zebranych podczas tegorocznego The Speed Project. Karol Klepacki jest jednym z ojców założycieli najbardziej rozpoznawalnej ekipy biegowej w Polsce - SWORDS athletics, tym samym współorganizator nieoficjalnego wyzwania biegowego Border to Hel - imprezy, która od początku była wzorowana na TSP.Marek Ogień to jeden z najlepszych fotografów sportowo-lifestylowo-modowych w Polsce, pewnie nie zdajecie sobie sprawy z tego, że przeglądając zdjęcia na profilu adidasa, czy runners of warsaw, lub kupując produkty różnych marek, oglądacie jego twórczość, poza tym romantyczny, ale szybki i nie uległy biegacz amator.W podcaście goście dzielą się historiami z The Speed Project i Border to Hel, rozmawiamy o tym dlaczego tak długo minęło zanim udało im się zrealizować marzenie o przebiegnięciu TSP, o pożarze, który prawie ich zatrzymał, rowerze za który zapłacili dwa razy, o tym jak dobrać ekipę na tak szalone wyzwanie, ile to kosztuje, a także poruszamy tematy pozostania autentycznym podczas tworzenia treści, wydarzeń i społeczności.

Every founder gets a version of the same advice: don't pick a fight with an entrenched industry. The incumbents have the relationships, the regulatory cover, the deep pockets - you'll bleed out trying.But some of the most interesting companies of the last decade were built ignoring that advice, winning over markets that were nearly impenetrable.In this episode, Yaniv Bernstein is joined by Brandon Weber - co-founder and CEO of Nava Benefits, a Series C-funded AI-powered health benefits brokerage. Before Nava, Brandon co-founded Hightower, a commercial real estate startup that merged with VTS and went on to run over half of all office buildings in the United States. Brandon has now done this twice in two completely different industries, and has developed a repeatable playbook for breaking into entrenched markets and using AI as a structural advantage.Yaniv and Brandon dig into what actually makes a market 'broken', why the entry point needs to be far narrower than most founders think, and how to build the conviction to keep going when a thousand people tell you it won't work. In this episode, you will:Understand the 'burning platform' signal - what makes a market 'broken', but worth spending a years breaking intoLearn why your entry point needs to be far narrower than feels comfortable, and how Brandon went from targeting 'the health insurance market' to 'employers with 50-500 employees who can't afford a dedicated benefits team'Hear why 'disrupting from within' is often smarter than disrupting head-on - and how Nava built a broker-shaped entity that the industry's immune system couldn't rejectDiscover how to design a human-AI system (what Brandon calls a 'cybernetic' service model) where agents handle 80-85% of the work and licensed professionals operate at the top of their licenseTimestamps00:00 Coming Up…00:45 On Today's Show: Brandon Weber on Fixing Broken Industries01:43 How To Spot Broken Markets03:59 Why Most Healthcare Startups Fail (Distribution)05:35 Lessons From Building Hightower and VTS08:41 How Do We Think Smaller? Finding the 'Narrow Wedge'10:57 What It Means To 'Disrupt From Within'16:53 Choosing the ICP18:35 The Innovator's Dilemma and Moving Upmarket22:57 Scaling with AI: A Business in Two Phases26:29 Service as a Software34:02 Attract and Hire Industry Insiders36:44 When to Acquire39:06 Closing AdviceResources mentioned in this episodeNava Benefits (Brandon's company): https://www.navabenefits.comGary Lo's previous TSP episode: https://youtu.be/jtMgd7Nv_HYThe Innovator's Dilemma by Clayton Christensen (framework discussed at length): https://www.amazon.com/Innovators-Dilemma-Revolutionary-Change-Business/dp/0062060244The PactHonor the Startup Podcast Pact! If you have listened to TSP and gotten value from it, please:Follow, rate, and review us in your listening appSecure your official TSP merchandise at https://shop.tsp.show/Follow us on YouTube for full-video episodes: https://www.youtube.com/@startup-podcastGive us a public shout-out on LinkedIn or anywhere you have a social media followingKey linksThis episode of the Startup Podcast is sponsored by .tech domains. Forget weird prefixes and creative misspellings; the availability for .tech domains is simply way better than .com. For a clean name that highlights your tech credentials, get a .tech domain at your favorite registrar.The Startup Podcast website: https://www.tsp.show/episodes/Learn more about Chris and YanivWork 1:1 with Chris: http://chrissaad.com/advisory/Follow Chris on Linkedin: https://www.linkedin.com/in/chrissaad/Follow Yaniv on Linkedin: https://www.linkedin.com/in/ybernstein/Producer: Justin McArthur https://www.linkedin.com/in/justin-mcarthurAssistant Producer: Steph Hefferan https://www.linkedin.com/in/steph-heff/Intro Voice: Jeremiah Owyang https://web-strategist.com/

How should physicians think about choosing the right investment accounts? In this episode of the White Coat Investor Podcast, we discuss several common account and investing questions, including Roth versus traditional contributions, isolating basis within a TSP, managing multiple solo retirement plans, and whether a business should have a brokerage account. We also explore the tradeoff between investing and paying tuition during medical school, along with broader considerations around account structure, tax efficiency, and long-term financial planning. Choosing the right accounts can meaningfully affect taxes, flexibility, and wealth building over time. This podcast is sponsored by Bob Bhayani at Protuity. He is an independent provider of disability insurance planning solutions to the medical community in every state and a long-time white coat investor sponsor. He specializes in working with residents and fellows early in their careers to set up sound financial and insurance strategies. If you need to review your disability insurance coverage or to get this critical insurance in place, contact Bob at https://whitecoatinvestor.com/protuity today by email info@protuity.com or by calling (973) 771-9100. The White Coat Investor Podcast launched in January 2017, and since then, millions have downloaded it. Join your fellow physicians and other high income professionals and subscribe today! Host, Dr. Jim Dahle, is a practicing emergency physician and founder of The White Coat Investor blog. Like the blog, The White Coat Investor Podcast is dedicated to educating medical students, residents, physicians, dentists, and similar high-income professionals about personal finance and building wealth, so they can ultimately be their own financial advisor-or at least know enough to not get ripped off by a financial advisor. We tackle the hard topics like the best ways to pay off student loans, how to create your own personal financial plan, retirement planning, how to save money, investing in real estate, side hustles, and how everyone can be a millionaire by living WCI principles. Website: https://www.whitecoatinvestor.com  YouTube: https://www.whitecoatinvestor.com/youtube  Student Loan Advice: https://studentloanadvice.com  TikTok: https://www.tiktok.com/@thewhitecoatinvestor  Facebook: https://www.facebook.com/thewhitecoatinvestor  Twitter: https://twitter.com/WCInvestor  Instagram: https://www.instagram.com/thewhitecoatinvestor  Subreddit: https://www.reddit.com/r/whitecoatinvestor  Online Courses: https://whitecoatinvestor.teachable.com  Newsletter: https://www.whitecoatinvestor.com/free-monthly-newsletter 

Apply for a Retirement Consultation:https://perspectivefunnel.co/682642d22275ec003bfa6626/691df07396253e003c42b434/?ps_hello=%20Get the Digital Federal Retirement Guidebook:https://cdfinancial.org/being-a-federal-employee-in-the-era-of-trump-book/Take the Checklist Challenge:https://cdfinancial.org/checklist-challenge/Subscribe for Weekly Federal Retirement Planning Content:https://cdfinancial.com/newsletterRetiring This Year? Federal Employees Need More Than a TSP PlanIf you are planning to retire this year as a federal employee, your retirement decision may involve more than your TSP balance. Your FERS pension, TSP income strategy, Social Security timing, and FEHB health coverage all work together, and getting the order wrong can create costly planning gaps.In this video, we break down the 4-lane federal retirement roadmap for employees in their final year before retirement. You will learn why generic retirement advice often fails federal employees, what to verify before signing retirement paperwork, and why health insurance, survivor benefits, and Social Security should not be treated as separate decisions.Whether you are trying to choose your retirement date, protect your spouse, create reliable TSP income, or avoid common FEHB and Medicare mistakes, this episode walks through the planning areas many federal employees overlook.IN THIS VIDEO YOU CAN LEARNWhy federal retirement planning is different from private-sector retirement adviceHow your FERS pension, TSP, Social Security, and FEHB all connectWhy your retirement date can affect your pension, annual leave payout, unused sick leave credit, and potential FERS supplementHow to verify your service computation date and creditable federal serviceWhy military buyback can matter before you retireAnd more━━━━━━━━━━━━━━━FEDERAL RETIREMENT RESOURCES━━━━━━━━━━━━━━━OPM Retirement Center:https://www.opm.gov/retirement-center/OPM FEHB Program:https://www.opm.gov/healthcare-insurance/healthcare/Thrift Savings Plan:https://www.tsp.gov/Social Security Retirement Planner:https://www.ssa.gov/retirementTIMESTAMPS00:00 Retiring This Year as a Federal Employee01:06 Why Generic Retirement Advice Fails Federal Employees02:27 The 4-Lane Federal Retirement Roadmap04:54 Common Federal Retirement Roadblocks07:55 TSP Income Planning and Long-Term Strategy08:26 Survivor Benefits, Spouse Conversations, and Health Coverage10:00 Social Security Timing Mistakes for Federal Employees11:26 Retirement Date, Sick Leave, and Annual Leave Planning13:42 FEHB, Medicare Part B, and Survivor Benefit Coordination16:58 First Steps to Take If You Are One Year From Retirement19:03 Why Sequencing Your Retirement Decisions Matters21:45 Final Checklist and Next StepWHO WE ARECD Financial helps federal employees and retirees make smarter retirement decisions around FERS, TSP, FEHB, Medicare, survivor benefits, retirement income planning, and health-focused financial strategies.Our mission is simple:Help federal employees retire with more clarity, confidence, and peace of mind.Subscribe for practical federal retirement planning content designed to help you better understand your benefits, avoid common planning gaps, and prepare for your next chapter with confidence.IMPORTANT DISCLAIMERAdvisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company.This video is for educational purposes only and should not be considered financial, legal, tax, healthcare, or investment advice. Federal retirement decisions depend on your individual service history, agency records, health coverage, survivor needs, retirement income goals, and personal circumstances. Always consult qualified professionals and review official OPM guidance before making retirement elections.Opinions expressed herein are solely those of CD Financial and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy or completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation.Federal retirement planning, FERS retirement, retire this year, federal employee retirement, TSP retirement income, FEHB in retirement, Social Security timing, FERS pension, high-3 average salary, service computation date, military buyback, survivor benefit, Medicare Part B, federal retirement checklist, OPM retirement, federal employee benefits, retirement income planningSupport the show

Federal employees often have valuable benefits, but without the right guidance, they may not understand the rules, options, and decisions that shape their retirement. In this episode of The Registered Investment Advisor Podcast, host Seth Greene interviews Cassie Graves, Founder of Fed Options Consultants and Information Services, who explains how she entered the federal benefits space, why many employees misunderstand retirement eligibility, TSP rules, survivor benefits, and insurance decisions, and how advisors can better serve this specialized market. She also discusses how financial professionals can build credibility by leading with service, understanding federal benefit language, and helping employees make more informed retirement planning decisions.   Key Takeaways: → Federal benefits involve unique rules around pensions, survivor benefits, TSP withdrawals, military service credits, and retirement eligibility that many advisors overlook. → Missing prior service history, part-time service adjustments, or military deposits can significantly impact projected retirement income.    → Federal employees are highly sensitive to transactional sales approaches and respond better to advisors who lead with education and genuine support. → Recent workforce restructuring, early retirement programs, and shifting government policies have created confusion around retirement timing and financial readiness.   → Familiarity with federal systems, terminology, and planning structures helps advisors establish credibility and improve client confidence.     Cassie Graves founded Fed Options Consultants and Information Services, LLC to provide high-level back-office federal benefits support for seasoned financial professionals serving federal employees.  As the spouse of a federal employee, and with many family and friends in federal service, she saw firsthand how often benefits are misunderstood, especially approaching retirement. That insight became her mission: help employees understand the real consequences of their benefit choices.   Connect With Cassie: Facebook: https://www.facebook.com/fedoptions LinkedIn (Company): https://www.linkedin.com/company/fed-options/ LinkedIn (Personal): https://www.linkedin.com/in/cassie-graves-623ba5132/ Learn more about your ad choices. Visit megaphone.fm/adchoices

When I did this episode back in 22012 ut was because I got a ton of emails on an article called. 8 Personal Finance Lessons from Benjamin Franklin that was published on the very cool blog, The Art of Manliness. Several dozen of you told me that this article sounded like 8 things I say often on TSP. So rather than read the article at all I decided to do the show based just on the 8 tenets of Franklin and see how much in sync we really are or are not. One thing for sure old Ben's advice seems … Continue reading →

Don and Tom tackle a Wall Street Journal financial decision-making quiz that explores how to prioritize competing goals such as retirement savings, high-interest debt, mortgages, and student loans. The discussion highlights the importance of employer matching contributions, the damaging impact of credit card debt, and the reality that many financial decisions depend on individual circumstances and risk tolerance. They then answer listener questions about retirement portfolio allocation, Fisher Investments' sales tactics and fees, stock ownership concentration among wealthy Americans, and whether a federal retiree should consolidate TSP assets into a Vanguard IRA. The episode emphasizes building a financial plan before making allocation changes, avoiding market predictions, and simplifying finances where possible.0:00 Wall Street Journal financial decision-making quiz begins1:23 Prioritizing 401(k) matches versus high-interest debt4:31 When to pay down credit cards instead of investing more5:20 Borrowing from a 401(k) to eliminate 22% credit card debt6:07 Mortgage payoff versus other debt reduction strategies7:55 Mortgage prepayment versus additional retirement savings9:35 Building a hierarchy for financial priorities11:07 Listener Bob asks about retirement readiness and portfolio allocation13:02 Fisher Investments' fees, sales tactics, and active management claims16:15 Why retirement planning should come before allocation decisions19:40 Stock ownership concentration among the wealthiest Americans22:03 Why markets are not a zero-sum game23:51 Will retiring Baby Boomers hurt stock prices?25:52 Listener asks about consolidating TSP and Vanguard retirement accounts29:18 Comparing Vanguard and TSP target-date fund allocations31:57 Benefits of simplifying and consolidating retirement accounts35:06 Don discusses sales and distribution of The Line UncrossedQuestions? Comments? Click!

Apply for a Retirement Consultation: https://perspectivefunnel.co/682642d22275ec003bfa6626/691df07396253e003c42b434/?ps_hello=%20Get the Digital Federal Retirement Guidebook:https://cdfinancial.org/being-a-federal-employee-in-the-era-of-trump-book/Take the Checklist Challenge:https://cdfinancial.org/checklist-challenge/Subscribe for Weekly Federal Retirement Planning Content:https://cdfinancial.com/newsletterComment Below:The G Fund Feels Safe, But Is It Really Protecting Your Retirement?If you are a federal employee or retiree using the TSP G Fund because the market feels uncertain, this may be one of the most important retirement planning decisions to review before moving your money. In this video, we break down why going 100% into the G Fund may feel safe in the moment, but could create long-term risks around inflation, income planning, and retirement purchasing power.Whether you are trying to protect your TSP, create stable retirement income, or avoid making emotional investment decisions during a market drop, this episode walks through the planning areas many federal employees overlook when they treat the G Fund as a complete retirement strategy.IN THIS VIDEO YOU CAN LEARNWhy the TSP G Fund may protect your balance but not your purchasing powerHow inflation can quietly affect federal retirees over a 20 to 30-year retirementWhy moving 100% into the G Fund after a market drop can lock in lossesHow fear, headlines, and market volatility can influence TSP decisionsWhy federal employees should avoid copying a co-worker's TSP allocationHow separating short-term income money from long-term growth money may help retirement planningWhy your TSP should have a specific job instead of being treated as one single decisionWhen the G Fund may still have a role as part of a broader retirement income plan━━━━━━━━━━━━━━━FEDERAL RETIREMENT RESOURCES━━━━━━━━━━━━━━━TSP G Fund Information:https://www.tsp.gov/funds-individual/g-fund/OPM Retirement Center:https://www.opm.gov/retirement-center/Thrift Savings Plan Information:https://www.opm.gov/retirement-center/my-annuity-and-benefits/thrift-savings-plan/TIMESTAMPS0:00 Why Moving Everything to the G Fund May Be Risky0:28 The Hidden Cost of Being 100% in the G Fund0:53 How Inflation Can Reduce Retirement Purchasing Power1:27 What the TSP G Fund Actually Is2:22 Why 100% of Anything Can Be a Retirement Planning Problem2:45 The Fear Behind G Fund Decisions3:17 Why Retirement Income Money Should Be Separated3:43 Market Drops, Timing Risk, and Selling Shares in Retirement4:18 Four Common G Fund Mistakes Federal Employees Make4:44 Why Forgetting to Redeploy Can Hurt Your TSP Strategy5:10 Why a Co-Worker's TSP Allocation Is Not Your Retirement Plan5:32 Giving Your TSP a Specific Job in Retirement6:10 Next Video: Market Drops and Staying the Course━━━━━━━━━━━━━━━WHO WE ARE━━━━━━━━━━━━━━━CD Financial helps federal employees and retirees make smarter retirement decisions around FERS, TSP, FEHB, Medicare, survivor benefits, retirement income planning, and health-focused financial strategies.Our mission is simple:Help federal employees retire with more clarity, confidence, and peace of mind.Subscribe for practical federal retirement planning content designed to help you better understand your benefits, avoid common planning gaps, and prepare for your next chapter with confidence.━━━━━━━━━━━━━━━IMPORTANT DISCLAIMER━━━━━━━━━━━━━━━Advisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company.This video is for educational purposes only and should not be considered financial, legal, tax, healthcare, or investment advice. Federal retirement decisions depend on your individual service history, agency records, health coverage, survivor needs, retirement income goals, and personal circumstances. Always consult qualified professionals and review official OPM guidance before making retirement elections.Opinions expressed herein are solely those of CD Financial and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy or completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation.TSP G Fund, G Fund TSP, federal employee retirement, federal retirement planning, Thrift Savings Plan, TSP retirement strategy, G Fund inflation risk, TSP allocation, FERS retirement, federal retirees, retirement income planning, market volatility retirement, TSP mistakes, federal employee benefits, CD Financial#TSPGFund #ThriftSavingsPlan #FederalEmployees #RetirementPlanning #CDFinancialSupport the show

Most new officers will blow their first paycheck on too much car, too much apartment, or too much wedding. Don't be most officers. This episode is your 60-minute shortcut to building wealth, freedom, and financial confidence from the moment you commission. Host Joe Brown of Always Ready Financial Planning sits down with Spencer Reese (Military Money Manual) and Rob Shaye (Institute for Leadership / Fireside Finances) to deliver a financial fast-start guide for newly commissioned officers. The conversation covers everything from compound interest to avoiding the biggest wealth killers in military life — and why getting the basics right early beats chasing shortcuts forever Topics Covered Why Personal Finance Can't Wait — The cost of delaying good money habits and why commissioning is the perfect moment to get the vector right The Power of Compound Interest — How $500/month invested over 40 years at 10% can grow to $3 million, and what that means for your 30s and 40s, not just retirement Financial Discipline as Leadership — Why money stress is a distraction from leading your people, and how a clean financial house makes you a more present and effective officer The #1 Wealth Killer: Too Much Car — Why junior officers buy more car than they should, and how delaying that purchase by a few years changes everything The Three Biggest Wealth Destroyers — Expensive cars, oversized apartments, and fast weddings that end in divorce TSP Basics Done Right — Start contributing immediately, bump it to 10–15%, and put it in the Lifecycle Fund (L2070/L2075) — then mostly leave it alone Roth TSP vs. Roth IRA — Why the Roth accounts are the right choice for most junior officers, especially given the tax-free housing and sustenance allowances Combat Zone Tax Exclusion (CZTE) — The "triple tax advantage" of contributing tax-free combat pay into Roth accounts that grow and distribute tax-free Avoiding TSP Get-Rich-Quick Distractions — Day trading the TSP, Robinhood accounts, and newsletter schemes: why consistent singles beat swinging for the fences Business Cards & Business Cards — Why 90% of active fund managers can't beat index funds over 10–20 years, and why you don't need to either Post-9/11 GI Bill Strategy — How to transfer the GI Bill to dependents, why timing matters, and why it can be worth $400,000–$500,000 if handled correctly Military Grad School — Going to graduate school while still getting paid and preserving your GI Bill for your family Living Like the Rank Below You — The "live like an O-2 when you're an O-3" mindset and how each promotion is an investment opportunity Time as Wealth — The concept of being a "time billionaire" and balancing saving with creating memories in your 20s and 30s Resources Mentioned Related Military Money Manual Podcast episodes — Episode 132 (financial guide for new officers) and Episode 2 (deep dive on the TSP); available on Apple Podcasts, Spotify, Amazon TSP Lifecycle Funds — tsp.gov (L2070 or L2075 recommended for the Class of 2026) Always Ready Financial Planning — alwaysreadyfp.com | joe@alwaysreadyfp.com Fireside Finances (Rob Shaye) — rob@firesidefinances.com | LinkedIn: Robert Shaye Military OneSource — militaryonesource.mil (general military financial resources) Spencer Reese — spencer@militarymoneymanual.com | 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 22,000 military servicemembers and military spouses have graduated from the 100% free, Ultimate Military Credit Cards Course available at militarymoneymanual.com/umc3 Military Money Manual may receive compensation from JPMC. Opinions expressed here are author's alone, not those of any bank, credit card issuer, airlines or hotel chain. 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. If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.

Are you actually holding people accountable, or are you just making them nervous?In this milestone 300th episode of Entrepreneurs United, co-hosts John St. Pierre and Rich Hoffmann go deep on one of the most misunderstood leadership skills: accountability. Rich has been coaching leaders and entrepreneurs on this for years, and what he finds is consistent: most leaders have inherited a definition of accountability that quietly works against them.In this episode, Rich and John break down the real two-step process for accountability that actually works: collecting a genuine commitment and following up on facts, not feelings.What you'll walk away with: why accountability is a support system, not a punishment, and what that means in practice. The three-part commitment that closes every accountability gap: who, what, and when. Why letting people set their own deadlines makes commitment more likely to stick. How to tell if a pattern of missed commitments is a commitment problem or a competency problem. The TSP method (Truthful, Specific, Positive) for reinforcement that builds accountability into your culture.Hosted by John St. Pierre and Rich Hoffmann, Entrepreneurs United is built for founders and leaders who want straight talk on building businesses that actually work. New episodes every week.https://entrepreneursunited.us/links/About Entrepreneurs UnitedHosted by John St. Pierre and Rich Hoffmann, Entrepreneurs United is built for founders and leaders who want straight talk on building businesses that actually work. New episodes every week.

What if writing software became as easy as taking a selfie?This episode, Yaniv Bernstein sits down with Gary Lo - founder of OpenBA and one of the sharpest AI-and-startups thinkers Yaniv knows - to discuss the concept of 'selfie software': disposable, hyper-personal, AI-generated tools that anyone can create for themselves, with no hand-written code.AI-generated tools like these are changing the startup landscape. While founders now have more tools at their disposal, it's now necessary than ever to create a product that truly disrupts the market.Gary and Yaniv discuss all of this and more, likening Claude and ChatGPT to Windows and Mac, and exploring what this tech landscape means if you're building a software startup today.In this episode, you will:Understand the 'selfie software' concept: why AI is making software disposable, personal, and low-stakes, and what that means for the market you're building inLearn why AI platforms are forcing startups to rethink whether they should build on their own infrastructure or embed into Claude and ChatGPT insteadHear Gary's 'burn it down' exercise: how to identify which parts of your product are genuinely defensible, and which will simply catch fire in the next AI waveUnderstand why software engineering isn't dead, but the problems worth solving with it have fundamentally shiftedTimestamps00:00 Coming Up...01:09 On Today's Show: Gary Lo on 'Selfie Software'02:48 About Gary03:16 How 'Hyper-Personalized' AI Is Like Photography05:36 Gary's Real Estate Workflow (OpenBA)07:29 Defining 'Selfie Software': Why Custom Tools Win10:33 So... Is It Bad Software?13:29 'Can't You Just Add This One Thing...'15:30 When Personalization Becomes Bloat17:42 Working In-App with Anthropic and OpenAI APIs20:29 Token Economics and Moats25:28 Microsoft's Lessons in Platform Power30:27 But What If Anthropic Comes For My Vertical?32:48 How Open Source Keeps AI in Check35:18 Unlearning and Rebuilding39:05 Gary's 'Burn It Down' Test44:01 Is Software Engineering Dead? (No.)50:17 Closing ThoughtsResources in this episodeGary Lo's previous TSP episode (on OpenClaw and Claude Cowork): https://youtu.be/V3YFghiy8p0 Garry Tan's gstack: https://github.com/garrytan/gstack Andrej Karpathy on Software 2.0: https://karpathy.medium.com/software-2-0-a64152b37c35 Vera (Yaniv's startup, AI-supported guidance for people caring for ageing parents): https://vera.guideThe PactHonor the Startup Podcast Pact! If you have listened to TSP and gotten value from it, please:Follow, rate, and review us in your listening appSecure your official TSP merchandise at https://shop.tsp.show/Follow us here on YouTube for full-video episodes: https://www.youtube.com/channel/UCNjm1MTdjysRRV07fSf0yGgGive us a public shout-out on LinkedIn or anywhere you have a social media followingKey linksThis episode of the Startup Podcast is sponsored by .tech domains. Forget weird prefixes and creative misspellings; the availability for .tech domains is simply way better than .com. For a clean name that highlights your tech credentials, get a .tech domain at your favorite registrar.This episode of the Startup Podcast is sponsored by Vanta. Vanta helps businesses get and stay compliant by automating up to 90% of the work for the most in demand compliance frameworks. With over 200 integrations, you can easily monitor and secure the tools your business relies on. For a limited time offer of US$1,000 off, go to ⁠⁠⁠⁠https://⁠www.vanta.com/tsp⁠⁠⁠⁠⁠ The Startup Podcast website: https://www.tsp.show/episodes/Learn more about Chris and YanivWork 1:1 with Chris: http://chrissaad.com/advisory/Follow Chris on Linkedin: https://www.linkedin.com/in/chrissaad/Follow Yaniv on Linkedin: https://www.linkedin.com/in/ybernstein/Producer: Justin McArthur https://www.linkedin.com/in/justin-mcarthurAssistant Producer: Steph Hefferan https://www.linkedin.com/in/steph-heff/Intro Voice: Jeremiah Owyang https://web-strategist.com/

Moving to Europe? Before you pack your bags, make sure your finances are ready.In this episode of Gimme Some Truth, Nate, Stan, and Syl break down the most common — and costly — financial mistakes Americans make when moving abroad. From mishandling US retirement accounts to holding the wrong investments in a foreign country, these errors can cost you thousands in unnecessary taxes and penalties.Whether you're planning a move to France, Germany, the Netherlands, or anywhere in the EU, this video covers what you need to know about 529 plans, IRAs, 401(k)s, TSP rollovers, tax treaties, and building a portable investment portfolio.

We're sharing the experience at a traditional Turkish hammam in Istanbul and everything you need to know before booking one yourself - and we highly recommend you do! We had the experience at Sultan Suleyman Hammam using the Istanbul E-Pass (and got a good discount!). You'll hear about the full luxury experience, including the sauna, heated marble room, traditional body scrub, foam massage, reflexology treatment, clay mask, and full body massage. We also cover the history and cultural significance of Turkish baths, what to expect during your visit, pricing, transportation tips, and why a hammam is one of the most relaxing and memorable wellness experiences you can have in Istanbul.This experience is part of our 3-day Istanbul Itinerary. You can download the PDF now and let us do all the planning for you!Our top recommended hotels in Istanbul: Orient Occident Hotel Istanbul Hotel SultaniaAdamar HotelCheck out our Turkey Activities & Tours for all activities we recommend and even some that we wanted to do but couldn't get to. Visit the city's highlights with an Istanbul E-Pass or if the E-Pass won't work for you schedule, we recommend these front of the line tickets for: Hagia Sofia, Basilica, Cistern,Topkapi Palace, Dolmabache Palace & Galata Tower.Find a great flight deal to Istanbul 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!

Some Thrift Savings Plan participants are taking advantage of a new option for Roth in-plan conversions. The Federal Retirement Thrift Investment Board reports that roughly 30,000 TSP participants have converted some of their contributions since the feature launched earlier this year. In a survey, about 93% of TSP participants who used the new conversion option say the process was “easy.” See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Apply for a Retirement Consultation:https://perspectivefunnel.co/682642d22275ec003bfa6626/691df07396253e003c42b434/?ps_hello=%20Get the Digital Federal Retirement Guidebook:https://cdfinancial.org/being-a-federal-employee-in-the-era-of-trump-book/Take the Checklist Challenge:https://cdfinancial.org/checklist-challenge/Subscribe for Weekly Federal Retirement Planning Content:https://cdfinancial.com/newsletterComment Below:Which FERS Mistake Could Cost You the Most Later?If you are a federal employee getting close to retirement, these FERS retirement mistakes can affect your pension, survivor benefits, FEHB coverage, TSP withdrawals, Medicare costs, and long-term retirement income. In this video, we break down seven of the biggest federal retirement planning mistakes we see employees make before leaving federal service.Why FERS survivor benefit elections can affect both pension income and FEHB coverageHow the wrong federal retirement date may impact annual leave, taxes, and retirement timingWhy FERS COLA rules can create long-term inflation pressure in retirementHow pension income, Social Security, TSP withdrawals, and military pension income can stack for taxesWhat IRMAA is and why Medicare costs may rise after certain income eventsWhy coworker advice may not fit your federal retirement situationHow to think through irreversible retirement decisions before signing final election formsWhy federal retirement planning should be based on your full financial picture, not one isolated benefit━━━━━━━━━━━━━━━FEDERAL RETIREMENT RESOURCES━━━━━━━━━━━━━━━OPM Retirement Center:https://www.opm.gov/retirement-center/OPM Survivor Benefits:https://www.opm.gov/retirement-center/survivor-benefits/OPM Cost-of-Living Adjustment Information:https://www.opm.gov/frequently-asked-questions/retire-faq/post-retirement/how-is-the-cost-of-living-adjustment-cola-determined/SSA IRMAA Information:https://secure.ssa.gov/poms.nsf/lnx/0601101020Medicare 2026 Premiums and Deductibles:https://www.cms.gov/newsroom/fact-sheets/2026-medicare-parts-b-premiums-deductibles━━━━━━━━━━━━━━━TIMESTAMPS━━━━━━━━━━━━━━━0:00 The 7 Biggest FERS Mistakes Federal Employees Make1:09 Why Pension Mistakes Stay Invisible Until Later2:13 Mistake 1: Survivor Benefit and FEHB Coordination5:22 Mistake 2: Retiring on the Wrong Date8:24 Mistake 3: FERS COLA and Inflation Drag11:51 Mistake 4: Tax Stacking in Federal Retirement14:35 Mistake 5: IRMAA and Medicare Cost Surprises20:19 Mistake 6: Believing Retirement Myths Instead of Planning23:21 Why Coworker Advice Can Lead to the Wrong Retirement Decision24:17 What May Still Be Fixable After Retirement24:40 Health Tip: Decision Fatigue and Retirement Forms26:02 Next Step for Federal Employees Near Retirement━━━━━━━━━━━━━━━WHO WE ARE━━━━━━━━━━━━━━━CD Financial helps federal employees and retirees make smarter retirement decisions around FERS, TSP, FEHB, Medicare, survivor benefits, retirement income planning, and health-focused financial strategies.Our mission is simple:Help federal employees retire with more clarity, confidence, and peace of mind.Subscribe for practical federal retirement planning content designed to help you better understand your benefits, avoid common planning gaps, and prepare for your next chapter with confidence.IMPORTANT DISCLAIMERAdvisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company.This video is for educational purposes only and should not be considered financial, legal, tax, healthcare, or investment advice. Federal retirement decisions depend on your individual service history, agency records, health coverage, survivor needs, retirement income goals, and personal circumstances. Always consult qualified professionals and review official OPM guidance before making retirement elections.Opinions expressed herein are solely those of CD Financial and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy or completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation.FERS retirement mistakes, federal retirement planning, FERS survivor benefits, FEHB in retirement, federal employee retirement date, FERS COLA, TSP withdrawals in retirement, IRMAA Medicare, federal pension planning, OPM retirement, federal employee benefits, retirement income planning, federal employees nearing retirement, survivor annuity, federal retirement taxes, CD Financial#FERSRetirement #FederalRetirement #FederalEmployees #RetirementPlanning #CDFinancialSupport the show

In this episode, Chris sits down with John McQueeney, State Representative for House District 97 in Tarrant County, Texas and member of the State Affairs Committee covering power grid and electric policy. In the last six weeks alone, John's committee has run three interim data center hearings. He is also drafting the Data Center Responsibility Act for the January 2027 session - the bill that will set the framework for how Texas handles the data center build-out for a generation. Texas has 440 gigawatts of applications in the queue against roughly 110 gigawatts of current peak capacity. Someone has to sort out what's real, what's speculative, and who pays for the grid when it all comes online. John is one of the people doing that work. They discuss: Why the data center industry is losing a PR battle it should be winning The tax story hyperscalers haven't been telling How the large load approval process works in Texas, end to end - from TSP submission to ERCOT study to Approved to Energize What's real vs. speculative in the 440 GW pipeline Behind-the-meter data centers as grid stabilizers What the Data Center Responsibility Act will cover The railroad analogy: why communities that miss this build-out will fall behind for decades Timestamps:(00:00) Intro(02:27) Why Data Centers Are a "12 Out of 10" for Texas(08:17) A Day Without a Data Center(09:34) Inside Stargate: Lancium, Crusoe, Oracle & OpenAI(14:34) When One Data Center Funds 30% of a City's Budget(17:03) The Vicious Restudy Cycle & the Batch Zero Fix(28:55) 440 GW of Applications Chasing 105 GW of Capacity(35:53) The 75 MW Threshold & Going Behind the Meter(48:36) Drafting the Data Center Responsibility Act(54:19) North Texas's Hidden Risk in Batch Zero(01:08:35) Who Actually Pays for the Grid Buildout?(01:14:32) Data Centers Are a National Security Issue(01:18:12) Data Centers in Space & the Long Arc ----- Presented by Airshare: Trusted across the country for fractional ownership, jet cards, charter, and aircraft management, Airshare gives you a smarter way to fly private - over 25 years of experience, operating their own fleet, with the top safety ratings in the industry. Drive up to the FBO, walk on, and go. Go to flyairshare.com to learn more. ----- Sponsored by Collateral Partners: Collateral Partners builds institutional-grade investor materials for private credit, private equity, real estate, and family office firms - the kind of marketing collateral that helps you close capital. Learn more at collateral.com/fort. ----- Chris on Social Media: X: https://x.com/fortworthchris Instagram: https://www.instagram.com/thepowerspodcast LinkedIn: https://www.linkedin.com/in/chrispowersjr/ Visit our website: https://www.powerspod.com/Leave a review on Apple: https://bit.ly/45crFD0Leave a review on Spotify: https://bit.ly/3Krl9jO

We're taking you to Istanbul, Turkey for an unforgettable 3 days packed with historic landmarks, incredible food, cultural experiences, and the travel tips we wish we knew before going. We share everything from visiting the Hagia Sophia, Blue Mosque, Topkapi Palace, and Basilica Cistern to experiencing a traditional Turkish hammam, wandering the Grand Bazaar, and trying iconic Turkish dishes like kebabs, menemen, kunefe, and Turkish coffee.We also shareIstanbul travel tips including the Istanbul E-Pass, currency, what to wear in mosques, where to stay, whether popular experiences like the Bosphorus cruise are worth it, and what its like navigating Istanbul's public transit system.In the Istanbul episode you'll hear about:Best things to do in Istanbul in 3 daysVisiting Hagia Sophia, Blue Mosque & Topkapi PalaceExploring the Grand Bazaar & Spice BazaarIstanbul E-Pass review and whether it's worth itTraditional Turkish bath (hammam) experienceBest Turkish foods to try in IstanbulIstanbul transportation tips and Istanbulkart infoGalata Tower sunset views & rooftop spotsTurkish coffee, Turkish delights, and local dessertsWhere to stay in Istanbul using hotel pointsTips for visiting mosques and cultural etiquetteDay-by-day Istanbul itinerary recommendationsWe recommend booking a private transfer from airport to hotel and back and installing an eSim before you get there.Our top recommended hotels in Istanbul: Orient Occident Hotel Istanbul Hotel SultaniaAdamar HotelCheck out our Turkey Activities & Tours for all activities we recommend and even some that we wanted to do but couldn't get to. Visit the city's highlights with an Istanbul E-Pass or if the E-Pass won't work for you schedule, we recommend these front of the line tickets for: Hagia Sofia, Basilica, Cistern,Topkapi Palace, Dolmabache Palace & Galata Tower.If you want to take this exact trip, download our 3-day Istanbul Itinerary!Find a great flight deal to Istanbul 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!

Apply for a Retirement Consultation:https://perspectivefunnel.co/682642d22275ec003bfa6626/691df07396253e003c42b434/?ps_hello=%20Get the Digital Federal Retirement Guidebook:https://cdfinancial.org/being-a-federal-employee-in-the-era-of-trump-book/Take the Checklist Challenge:https://cdfinancial.org/checklist-challenge/Subscribe for Weekly Federal Retirement Planning Content:https://cdfinancial.com/newsletterIf you are within one year of federal retirement, this is one of the most important times to review your FERS pension before making a final decision. In this video, we break down key federal retirement planning considerations around survivor benefits, retirement timing, COLA, taxes, Medicare, FEHB, and TSP income planning.Whether you are trying to protect your spouse, avoid unexpected tax issues, or make more informed decisions around your federal benefits, this episode walks through the planning areas many federal employees overlook before signing retirement paperwork.━━━━━━━━━━━━━━━IN THIS VIDEO YOU'LL LEARN━━━━━━━━━━━━━━━• Why FERS survivor benefit elections should be reviewed before retirement• How choosing the wrong federal retirement date may affect your planning• Why FERS COLA and long-term inflation should be part of your retirement income strategy• How tax stacking can happen with a FERS pension, Social Security, TSP withdrawals, and other income• Why IRMAA may surprise federal retirees who do not plan around Medicare income rules• How FEHB, Medicare, and spousal coverage decisions can affect your retirement strategy• Why federal employees should avoid relying only on one-size-fits-all retirement advice━━━━━━━━━━━━━━━FEDERAL RETIREMENT RESOURCES━━━━━━━━━━━━━━━OPM Retirement Center:https://www.opm.gov/retirement-center/FERS Information:https://www.opm.gov/retirement-center/fers-information/FEHB & Medicare:https://www.opm.gov/healthcare-insurance/medicare/annuitant/Survivor Benefits:https://www.opm.gov/retirement-center/survivor-benefits/Thrift Savings Plan:https://www.tsp.gov/TSP Withdrawals in Retirement:https://www.tsp.gov/withdrawals-in-retirement/Medicare IRMAA Information:https://secure.ssa.gov/poms.nsf/lnx/0601101020━━━━━━━━━━━━━━━TIMESTAMPS━━━━━━━━━━━━━━━0:00 FERS Pension Mistakes That Can Affect Retirement Income0:27 Survivor Benefit Decisions and Spousal Protection0:55 Choosing the Right Federal Retirement Date1:26 FERS COLA, Inflation, and Long-Term Income Planning2:00 Tax Stacking with FERS, Social Security, and TSP Withdrawals2:25 IRMAA Surprises and Medicare Income Planning3:43 FEHB, Medicare, and Federal Retiree Health Coverage4:08 Why Federal Retirement Advice Is Not One-Size-Fits-All4:36 Building a Retirement Plan Around Your Specific Situation━━━━━━━━━━━━━━━WHO WE ARE━━━━━━━━━━━━━━━CD Financial helps federal employees and retirees make smarter retirement decisions around FERS, TSP, FEHB, Medicare, survivor benefits, retirement income planning, and health-focused financial strategies.Our mission is simple:Help federal employees retire with more clarity, confidence, and peace of mind.Subscribe for practical federal retirement planning content designed to help you better understand your benefits, avoid common planning gaps, and prepare for your next chapter with confidence.━━━━━━━━━━━━━━━IMPORTANT DISCLAIMER━━━━━━━━━━━━━━━Advisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company.This video is for educational purposes only and should not be considered financial, legal, tax, healthcare, or investment advice. Federal retirement decisions depend on your individual service history, agency records, health coverage, survivor needs, retirement income goals, and personal circumstances. Always consult qualified professionals and review official OPM guidance before making retirement elections.Opinions expressed herein are solely those of CD Financial and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy or completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation.FERS pension mistakes, federal retirement planning, FERS survivor benefits, FEHB Medicare coordination, TSP withdrawals, IRMAA Medicare surcharge, federal employee retirement, FERS COLA, retirement income planning, federal benefits, retirement date planning, tax planning for federal retirees#FERSPension #FederalRetirement #FederalEmployees #RetirementPlanning #CDFinancialSupport the show

What does long-term wealth building look like as a government physician? In this Milestones to Millionaire episode, we talk to a doctor who became a TSP millionaire while transitioning to part-time work and maintaining a strong long-term investing strategy. We also cover lessons learned along the way, including career flexibility, retirement investing through the Thrift Savings Plan, and practical advice for other physicians pursuing financial independence. This episode highlights the power of consistency, disciplined investing, and aligning work with lifestyle priorities over time. This podcast is sponsored by Bob Bhayani at Protuity. He is an independent provider of disability insurance planning solutions to the medical community in every state and a long-time white coat investor sponsor. He specializes in working with residents and fellows early in their careers to set up sound financial and insurance strategies. If you need to review your disability insurance coverage or to get this critical insurance in place, contact Bob at https://whitecoatinvestor.com/protuity today by email info@protuity.com or by calling (973) 771-9100. Celebrating your stories of success along the journey to financial freedom! Tune in every Monday to the Milestones to Millionaire Podcast, where we celebrate the financial achievements of our listeners and share practical tips for reaching your own milestones. We want to celebrate your milestones—no matter how big or small—and help inspire others to follow your lead. Every week, these episodes feature one listener who has recently achieved a milestone they are proud of and want to celebrate, and they give any advice they have for those who want to follow their example. Make sure to listen every Monday to be inspired by your fellow white coat investors. Celebrate YOUR Milestone on the Milestones to Millionaire Podcast: https://whitecoatinvestor.com/milestones  Website: https://www.whitecoatinvestor.com  YouTube: https://www.whitecoatinvestor.com/youtube  Student Loan Advice: https://studentloanadvice.com  TikTok: https://www.tiktok.com/@thewhitecoatinvestor  Facebook: https://www.facebook.com/thewhitecoatinvestor  Twitter: https://twitter.com/WCInvestor  Instagram: https://www.instagram.com/thewhitecoatinvestor  Subreddit: https://www.reddit.com/r/whitecoatinvestor  Online Courses: https://whitecoatinvestor.teachable.com  Newsletter: https://www.whitecoatinvestor.com/free-monthly-newsletter 

It's the final Total Saints Podcast of the season, and unfortunately, there is still only one place to start: the fallout from Southampton's failed Spygate appeal.Martin is joined by Steve Grant, Glen de la Cour and George Rees-Julian to look back on another extraordinary few days at Saints, following the dismissal of the club's appeal against the EFL sanctions and the publication of the Independent Disciplinary Commission's written reasons. The panel discuss the seriousness of the findings, the pressure placed on junior members of staff, the club's handling of the situation, the ongoing FA investigation and the deafening silence from those in positions of leadership.There is also a lengthy discussion about Tonda Eckert's future, whether there is any realistic way back for him, and what Southampton now need to do to begin repairing the damage done to supporters, players, staff, commercial partners and the wider reputation of the club.Attention then turns to the summer ahead. With Saints now preparing for another season in the Championship, the panel look at which players are likely to stay or go, the uncertainty around Daniel Peretz, Aaron Ramsdale and the goalkeeper position, the sellable assets in midfield, and the decisions facing the club over players such as James Bree and Ross Stewart.The team also reflect briefly on Hull City's play-off final win over Middlesbrough, the likely needle when Saints and Boro meet again next season, and what the result said about the play-offs Saints were removed from.There is also time for the final TSP admin of the season, including the Prediction League winners, the signed Atlanta Primus shirt giveaway, Patreon-exclusive merch updates, thanks to our sponsors Steam Town Brewery and Paul Castle Associates, and a farewell to George Rees-Julian as he makes his final TSP appearance before leaving The Echo. Hosted on Acast. See acast.com/privacy for more information.

Most founders set out to build something that matters: a company that's aligned with their mission, now and forever. But what if the very systems we use to build ‘real' companies are the thing that corrupts them?In this episode, Yaniv Bernstein is joined by Silicon Valley legend Eric Ries author of the era-defining 'The Lean Startup', founder of the Long-Term Stock Exchange, and now the author of a provocative new book, 'Incorruptible: Why Good Companies Go Bad and How Great Companies Stay Great'.Eric makes the case that corruption is a structural problem, rather than a failing of the people themselves. He walks Yaniv through the ‘financial gravity' that pulls good companies away from their founders' purpose, and the governance ‘fortresses' that a small handful of outlier companies (from Costco to Novo Nordisk to Anthropic) have used to stay great.In this episode, you will:Understand ‘financial gravity' - the force that degrades values, corrupts economic decisions, and reduces long-term outcomesLearn the legend of Sol Price (the father of modern retail behind Costco), and why treating margins as a liability rather than a virtue can be a source of enduring strengthExplore the ‘industrial foundation' model behind century-old giants like Novo Nordisk and Zeiss, and why companies with this structure are roughly 6x more likely to survive to year 50Hear how Anthropic's Long-Term Benefit Trust shaped its trajectory, and why in the age of AI, trustworthiness is the single most valuable corporate assetTimestamps00:00 Coming Up...01:06 On Today's Show: Eric Ries, author of The Lean Startup and Incorruptible02:41 From 'The Lean Startup' to 'Incorruptible': Why Governance Matters04:13 The Two Mysteries05:45 Case Study: Sol Price and FedMart08:58 The Shareholder Primacy Trap14:04 Costco's Governance Fortress16:50 Founder Control vs VCs19:33 Why Markets Punish Your Mission21:30 Novo Nordisk's Foundation Model26:35 Anthropic and AI Trust29:37 Governance in Action Today31:54 Doing the Right Thing33:27 Goodhart's Law and Customer Service Metrics38:36 Why 'Harder Is Easier'39:02 Costco's Hotdog Promise41:55 Mission Lock Structures43:32 Pitching Investors, Leverage and the Fundraising Decision Tree49:33 HBO's Silicon Valley and 'Minimum Viable Product'53:57 Closing Thoughts & Book PlugResources mentioned in this episode'Incorruptible: Why Good Companies Go Bad... and How Great Companies Stay Great' by Eric Ries: https://www.incorruptible.co/'The Lean Startup' by Eric Ries: https://theleanstartup.com/bookLong-Term Stock Exchange (LTSE): https://ltse.com/'Skin in the Game' by Nassim Nicholas Taleb: https://www.amazon.com/Skin-Game-Hidden-Asymmetries-Daily/dp/0425284646Mark Cuban's Cost Plus Drugs: https://costplusdrugs.com/The PactHonor the Startup Podcast Pact! If you have listened to TSP and gotten value from it, please:Follow, rate, and review us in your listening appSecure your official TSP merchandise at https://shop.tsp.show/Follow us here on YouTube for full-video episodes: https://www.youtube.com/channel/UCNjm1MTdjysRRV07fSf0yGgGive us a public shout-out on LinkedIn or anywhere you have a social media followingKey linksThis episode of the Startup Podcast is sponsored by .tech domains. Forget weird prefixes and creative misspellings; the availability for .tech domains is simply way better than .com. For a clean name that highlights your tech credentials, get a .tech domain at your favorite registrar.The Startup Podcast website: https://www.tsp.show/episodes/Learn more about Chris and YanivWork 1:1 with Chris: http://chrissaad.com/advisory/Follow Chris on Linkedin: https://www.linkedin.com/in/chrissaad/Follow Yaniv on Linkedin: https://www.linkedin.com/in/ybernstein/Producer: Justin McArthur https://www.linkedin.com/in/justin-mcarthurAssistant Producer: Steph Hefferan https://www.linkedin.com/in/steph-heff/Intro Voice: Jeremiah Owyang https://web-strategist.com/

Apply for a Retirement Consultation: https://perspectivefunnel.co/682642d22275ec003bfa6626/691df07396253e003c42b434/?ps_hello=%20

⚡ LIVE TONIGHT — Typical Skeptic Podcast #2615 ⚡9PM EASTERN

Get the digital book at no cost to you here: https://cdfinancial.org/being-a-federal-employee-in-the-era-of-trump-book/Want to work with Charles? Apply here: https://cdfinancial.org/schedule-a-meeting/Checklist Challenge: https://cdfinancial.org/checklist-challenge/Newsletter: https://cdfinancial.com/newsletterWHO ARE WE?CD Financial helps federal employees and near-retirees create sustainable, tax-smart retirement income. Expect weekly strategies on 401K, FERS, TSP, Social Security timing, tax planning, and health-meets-wealth habits—clear, practical, compliant.TIMESTAMPS0:00 Last Year Before Federal Retirement Checklist0:22 Two Federal Employees, Two Different Retirement Outcomes0:46 Sick Leave Credit and Common FERS Retirement Mistakes1:08 How to Review and Potentially Improve Your Federal Pension1:43 Retirement Date Considerations for Federal Employees2:12 FEHB, Medicare Part B, and Retirement Healthcare Decisions3:13 Survivor Benefit Elections for Federal Employees3:50 Free Federal Retirement Checklist and Next Steps#FederalRetirement #FERSRetirement #FederalEmployees #RetirementChecklist #CDFinancialAdvisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company.Opinions expressed herein are solely those of CD Financial and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation.Support the show

What if you could retire from the military at 50, bridge a decade of income, and pay less in taxes than you ever expected? It sounds too good to be true — but it's written right into the tax code. Spencer and Rob walk through exactly how a Roth conversion ladder works, who it's built for, and whether a simple brokerage account might actually beat it. Spencer Reese interviews Rob Moore, Army veteran, CFP candidate, and founder of Everman Wealth and Prosperity. Topics Discussed What a Roth Conversion Ladder is — moving funds from a traditional IRA to a Roth IRA each year before military retirement to create penalty-free supplemental income during the bridge period between military retirement and age 59½ Who it's for — service members retiring before 59½ who need to bridge their income gap, and those in the FIRE community with lower taxable income Contribution vs. Conversion — contributions can be withdrawn penalty/tax-free anytime; conversions require a five-year waiting period per conversion year The Five-Year Rule — each conversion starts its own five-year clock on January 1st of the conversion year; after five years, the converted amount can be withdrawn penalty and tax-free TSP limitations — Roth conversion ladders live entirely in the IRA universe; TSP rules are different and don't qualify (though the new TSP Roth conversion feature, live in 2026, is noted as a separate benefit) Practical example — a service member at age 49, five years from retirement, converts $20,000/year; at retirement (age 54), the first conversion is available penalty/tax-free, with each subsequent year unlocking the next rung Alternatives to the Roth ladder: Rule 72(t) / SEPP — rigid but allows early retirement account access Rule of 55 — penalty-free TSP access if retiring in the year you turn 55 Taxable brokerage account — flexible, no rules, and often more tax-efficient than people assume Brokerage vs. tax-deferred comparison — Rob's case study on a retiring O-5 showed the brokerage account came out ~$13,000 ahead in aggregate taxes over 16 years vs. a Roth conversion ladder strategy Tax bracket inflation adjustment — a reminder that brackets adjust for inflation, so projecting future RMD tax burden in today's dollar terms overstates the hit Backdoor Roth contributions — briefly mentioned as an option for those without existing traditional IRA funds; subject to the same five-year conversion rule and annual limits ($7,500/person, $15,000/couple in 2026) Resources Mentioned Fiscal Foxhole Podcast https://www.instagram.com/fiscalfoxhole— co-hosted by Rob Moore and Oman Quavo; available on all major podcast platforms Everman Wealth and Prosperity https://www.prosperwitheverman.com/— Rob's financial planning firm (Northern Virginia, fee-only) How Tax-Advantaged is Tax-Deferred? https://www.prosperwitheverman.com/podcastarticles/how-tax-advantaged-is-tax-deferred— Rob's article comparing brokerage vs. tax-deferred retirement savings Moneychimp.com  http://www.moneychimp.com — simple compound interest/tax calculator mentioned by Spencer Military Money Manual Podcast Ep. 216 — prior interview with Oman Quavo Military Money Manual Podcast Ep. 162 — backdoor Roth IRA deep dive with Brian Alf O'Neill of Winged Wealth 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 22,000 military servicemembers and military spouses have graduated from the 100% free, Ultimate Military Credit Cards 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/ Military Money Manual may receive compensation from JPMC. Opinions expressed here are author's alone, not those of any bank, credit card issuer, airlines or hotel chain. 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. If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.

We're back for another episode, talking about retirement and TSP.

Most founders treat 'scale' like a switch you flip after raising a round: hire 14 reps, 10x the ad spend, and pray. About half scale too early and burn the runway, while the other half scale too late and get caught by a more aggressive competitor. Almost nobody can tell you, in measurable terms, when they're actually ready.In this episode, Yaniv Bernstein is joined by Mark Roberge - founding CRO at HubSpot (where he scaled the company from $0 to $100M ARR), senior lecturer at Harvard Business School, cofounder of Stage 2 Capital, and author of the new book 'The Science of Scaling'. Mark walks Yaniv through his impressive data-driven framework for scaling that he's spent a decade refining, covering how to objectively define product-market fit, why customer retention is the only honest measure of PMF, and how to instrument a Leading Indicator of Retention you can act on in week one.In this episode, you will:Learn why retention is the only honest measure of product-market fit, and why most founders are flying blind without itDiscover Mark's framework for building a Leading Indicator of Retention (LIR) you can measure in week one, using Slack, HubSpot, and Facebook as worked examplesHear Mark coach Yaniv through Vera's LIR in real time, and pick up a repeatable method for designing one for your own businessLearn the 'Stay/Go/Slow' model for pacing hires and spend post-raise, and why startups should reassess monthly or quarterly rather than locking in an annual planGet Mark's take on why 'paranoid optimism' is the trait that correlates most strongly with founder success, and the link between that trait and founder mental healthTimestamps00:00 Coming Up00:26 On Today's Show: The Science of Scaling01:47 Guest Intro: Mark Roberge02:31 Why Scaling Needs Data04:20 Eric Ries and Product Market Fit06:56 Retention as a North Star10:15 What Makes a Good Leading Indicator?15:00 Case Study: Vera (Yaniv's Startup)17:41 Choosing Frequency and Event23:55 Instrumenting and Unique Value31:12 Blitzscaling and Defining PET34:41 ICP Denominator Rules37:28 Segmenting By Product40:40 Go To Market Fit45:25 Dealing with Revenue-Focused Investor Pressure50:33 The Pace of Scaling56:07 About the Book, The Science of Scaling57:45 Founder Mental Health01:02:28 Closing ThoughtsResources in this episode:Mark Roberge on LinkedIn: https://www.linkedin.com/in/markroberge/‘The Science of Scaling: Using Data to Decide When — and How Fast — to Scale Revenue' by Mark Roberge: https://www.amazon.com/Science-Scaling-Revenue-Mark-Roberge/dp/1394319428Stage 2 Capital (Mark's B2B SaaS-focused venture firm): https://www.stage2.capital/Vera (Yaniv's startup): https://vera.guide/The PactHonor the Startup Podcast Pact! If you have listened to TSP and gotten value from it, please:Follow, rate, and review us in your listening appFollow us on YouTube for full-video episodes: https://www.youtube.com/@startup-podcastGive us a public shout-out on LinkedIn or anywhere you have a social media followingKey linksThis episode of the Startup Podcast is sponsored by .tech domains. Forget weird prefixes and creative misspellings; the availability for .tech domains is simply way better than .com. For a clean and memorable name, go to https://⁠get.tech/tspThis episode of the Startup Podcast is sponsored by Vanta. Vanta helps businesses get and stay compliant by automating up to 90% of the work for the most in demand compliance frameworks. With over 200 integrations, you can easily monitor and secure the tools your business relies on. For a limited time offer of US$1,000 off, go to ⁠⁠⁠⁠https://⁠www.vanta.com/tsp⁠⁠⁠⁠⁠ The Startup Podcast website: https://www.tsp.show/episodes/Follow Yaniv on Linkedin: https://www.linkedin.com/in/ybernstein/Producer: Justin McArthur https://www.linkedin.com/in/justin-mcarthurAssistant Producer: Steph Hefferan https://www.linkedin.com/in/steph-heff/Intro Voice: Jeremiah Owyang https://web-strategist.com/

On this week's Just the Tip, we giving you 11 things to do BEFORE you leave for vacation to ensure you have a smooth, collected, and beautiful vacation. We always do these things to prepare for a trip in the days leading up to taking off to make our trips more enjoyable.Find a great flight deals with ⁠Thrifty Traveler Premium⁠'s flight deal alerts. 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!

En medio de apagones generalizados causados por un asfixiante bloqueo que impide la importación de petróleo y el fin del suministro venezolano, Cuba aparece, gracias a China, como un ejemplo insólito de desarrollo de energías renovables, que aportan cerca del 10 % de la electricidad generada en la isla. Sin embargo, el desarrollo a mediano plazo de este tipo de energía parece muy difícil, según Jorge Piñón, colaborador sénior de investigación en el Instituto de Energía de la Universidad de Texas. Gracias al financiamiento de China, se han implantado más de 50 parques solares en Cuba. La producción de energías renovables registró un aumento considerable entre 2024 y 2025, pasando de un 3 % a casi el 10 %. ¿Pero por qué el gigante asiático financia las energías renovables en la isla? "Esto forma parte de la política china", dice Jorge Piñón, colaborador sénior de investigación en el Instituto de Energía de la Universidad de Texas. Ese país "también ha hecho este tipo de inversiones en África, contribuyendo a la expansión de la infraestructura de países en transición económica y política. Es una manera de establecer buenas relaciones, lo que tiene un valor político a largo plazo. China lo está haciendo en Cuba y en otros lugares porque lo necesita. Es una manera de demostrar al resto de la región la contribución económica y humanitaria que puede ofrecer", indica. Un desarrollo que no es suficiente para evitar los apagones actuales en casi todo el país. El último dejó al 65 % del territorio cubano con cortes simultáneos. El ministro de Energía y Minas anunció que las reservas de combustible están agotadas. Piñón subraya que las dificultades van más allá de la escasez de petróleo. "El problema de Cuba no es solamente la generación de energía, sino las líneas de transmisión, que tienen más de 30 años sin mejoras ni mantenimiento de fondo. Esto es un problema porque se puede tener toda la generación de energía necesaria, pero si no existen líneas para llevar la electricidad a los consumidores, esos parques solares no aportan ningún beneficio". Los beneficios de la energía solar en Cuba son hoy, por ello, casi imperceptibles para la mayor parte de la sociedad. De ahí que el objetivo de emplear únicamente energías verdes para 2050 parezca inalcanzable. "Sin las sanciones de Estados Unidos en el marco del embargo petrolero, esa meta ya era extremadamente difícil de alcanzar para Cuba. En realidad, la energía solar es la única que parece que llegará a los 1.000 megavatios. La energía eólica no llegará; será cero. La biomasa, también cero, al igual que la sustitución de combustibles fósiles, como el petróleo crudo que están quemando. Se planeaba cambiar a gas natural licuado, como lo tienen Puerto Rico, República Dominicana y Panamá, pero tampoco. Estas metas cubanas son muy difíciles de alcanzar", concluye. Piñón recalca que el desarrollo de las energías renovables es algo positivo, pero depende de una financiación que Cuba no posee. Según un análisis del Proyecto de Seguridad para la Transición (TSP), un grupo de expertos vinculado al centro británico Common Wealth, a Cuba le costaría 8.000 millones de dólares generar alrededor del 93 % de su electricidad a partir de fuentes renovables, y un sistema eléctrico 100 % renovable tendría un costo de 19.000 millones de dólares.

What happens if your TSP beneficiary isn't who you thought it was? This is a situation we've seen more often than you might expect, and it can create real issues for your family if not addressed in advance. If you're within 5–10 years of retirement, this is one area you don't want to overlook. Want help reviewing your retirement plan? Schedule a conversation with a professional to walk through your options and support more informed decision-making: https://plan-your-federal-retirement.com/schedule-your-personal-consultation/utm_medium=youtube&utm_source=youtube&utm_campaign=youtube Have a retirement question on your mind? Give us a call at 907-931-1775 and leave us your question - we're here to help create solutions that fit your goals!

We went to Door County, Wisconsin and are sharing the best experiences, places to eat, hikes, and boat rides to do on a long weekend in this midwest vacation destination.Highlights of the Door County:Sturgeon Bay LighthousesState Parks Hikes and overlooksFish boil⁠Sunset boat cruise⁠If you want to take this exact trip, you can download our ⁠Door County Itinerary.⁠ This guide to Door County gives you your daily schedule, hikes and ⁠boat cruise experiences⁠, time allotments, costs, travel time between things to do, places to eat, where to stay and so much more.We stayed at ⁠The Liberty Lodge at Sister Bay⁠ and loved this historic B&B! If it is booked, ⁠The Inn at Little Sister Hill⁠ is a good choice, so are ⁠Scandinavian Lodge⁠, ⁠Sister Bay Inn⁠, or ⁠Birchwood Lodge⁠.Find a great flight deal to Wisconsin, or anywhere else, with ⁠Thrifty Traveler Premium⁠'s 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!

In 2026, startups age like milk. Josh Foreman's solution is a radical one - step down as CEO, go back to basics, and refound the whole company. Yaniv Bernstein discusses this decision with Josh, founder and (for now) CEO of InDebted - the AI-native debt resolution business he scaled to an $80M revenue run rate, a Series C raise, and operations across 8 markets. Just days before recording, Josh publicly announced he's hiring a new CEO so he can step back into the business as a hands-on operator and refound the company for the agentic AI era.In this conversation, Josh and Yaniv discuss 'refounding' in practice, what it takes to rebuild the company's processes from the ground up, and why technical founders who don't go back on the tools right now are setting themselves up to be outbuilt by a smaller, faster, leaner version of themselves.In this episode, you will:Learn why Josh believes the highest-leverage role for a technical founder in 2026 is no longer CEO, and how to structure a founder-CEO partnership that actually worksUnderstand why 'feature patching' an established business is a losing strategy, and what it really means to rebuild your company function-by-function from a clean slateDiscover how revenue-per-employee has become the metric that matters most when raising capital and competing with AI-native upstartsHear why services-as-software and performance-fee models are suddenly the bull case for investors who hated them 12 months ago - and why the SaaS seat fee is on the way outFind out what it looks like to unbundle your product into agent-ready primitives, and why owning the eval for a narrow domain may be a bigger moat than your full-stack UITimestamps00:00 Coming Up: Refounding00:41 Josh Foreman, CEO (for now)01:41 What Refounding Means04:53 Rebuilding the Factory07:38 Bringing the Team Along10:51 No Choice but Change14:56 Aligning the Board and Investors16:52 Putting Founders Back on the Tools26:24 'Corporate Ozempic' Shrinking Teams32:57 Unbundling and Products for Agents38:39 Hiring a CEO When Refounding44:11 Closing ThoughtsMentioned in this episodeJosh Foreman on LinkedIn: https://www.linkedin.com/in/joshforeman/InDebted: https://www.indebted.co/Scott Galloway on 'Corporate Ozempic': https://www.profgalloway.com/corporate-ozempic/Surviving the AI SaaSpocalypse with Scotty Allen: https://youtu.be/j84LF4aru8I 'Paranoid Optimism' with Yaniv: https://youtu.be/FGqbdzr0-PM The PactHonor the Startup Podcast Pact! If you have listened to TSP and gotten value from it, please:Follow, rate, and review us in your listening appSecure your official TSP merchandise at https://shop.tsp.show/Follow us here on YouTube for full-video episodes: https://www.youtube.com/channel/UCNjm1MTdjysRRV07fSf0yGgGive us a public shout-out on LinkedIn or anywhere you have a social media followingKey linksThis episode of the Startup Podcast is sponsored by .tech domains. Forget weird prefixes and creative misspellings; the availability for .tech domains is simply way better than .com. For a clean name that highlights your tech credentials, get a .tech domain at your favorite registrar.The Startup Podcast website: https://www.tsp.show/episodes/Learn more about Chris and YanivWork 1:1 with Chris: http://chrissaad.com/advisory/Follow Chris on Linkedin: https://www.linkedin.com/in/chrissaad/Follow Yaniv on Linkedin: https://www.linkedin.com/in/ybernstein/Producer: Justin McArthur https://www.linkedin.com/in/justin-mcarthurAssistant Producer: Steph Hefferan https://www.linkedin.com/in/steph-heff/Intro Voice: Jeremiah Owyang https://web-strategist.com/

We're taking you inside The Sphere, one of the most talked-about attractions in Las Vegas. We're sharing our firsthand experience attending Illenium's Odyssey show and what makes this next-generation venue unlike any other, from its massive 360° LED screen and immersive visuals to spatial audio and interactive effects that make you feel like you're inside the performance. You'll also get practical tips on tickets, seating, and what to expect when visiting, making this episode a must-listen for anyone planning to see a show at the Sphere.Hotels in Las Vegas we recommend:The Venetian - The Sphere is connected to this hotelWe love The Flamingo for a good location on the strip at a great price with amenities, a good free pool and flamingos!Or check out these highly rated hotels in Las Vegas Check out the Las Vegas experiences and activities we recommend in our curated Viator shop.Find a great flight deal to Las Vegas, or anywhere else, with Thrifty Traveler Premium's 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!

She Retired From The Air Force At 41, Then Built A PR Empire | Danyail Lawton, Bold Moves Consulting Air Force veteran Danyail Lawton retired after 23 years of service, launched Bold Moves Consulting in Las Vegas, and turned a 9th grade short story into the upcoming children's book Penelope and the Vase. On this episode of Diversified Game, she breaks down the moves that took her from enlisting at 18 to running her own strategic communications firm, with no student loan debt and a full military pension behind her.We get into why she set goals four years at a time and why that mindset carried her to retirement, how she earned a bachelor's in organizational leadership and a master's in strategic communications from Penn State World Campus while serving full time, and how she landed her first PR client through a hospitality connection in Florida. Danyail also gave the people real game on pricing, explaining why $3,500 is the floor for serious work, why $500 budgets will not get the job done, and how to spot client red flags during a discovery call before you ever sign a contract. We closed strong on TSP, Roth IRAs, faith, resilience, marriage, and raising a special needs son while running a business.Whether you are thinking about the military path, planning your exit, building a brand, or trying to leave something for your kids, this conversation has something for you.EPISODE CHAPTERS00:00 Welcome and intro03:00 Danyail introduces Bold Moves Consulting05:00 Joining the Air Force at 1807:00 The trait that gets you to 20 plus years10:00 Why she launched Bold Moves after retirement12:00 The story behind Penelope and the Vase14:00 Two degrees, no student loans17:00 Going to school as an older adult19:00 Building the back office and her first client24:00 Spotting red flags in a discovery call32:00 Why the wrong client costs you the right one34:00 Real pricing, real packages38:00 AI as a tool, not a crutch40:00 Giving back, United Through Reading and Special Olympics44:00 Marriage, military, and special needs parenting47:00 TSP, Roth IRAs, and building wealth49:00 Faith and finishing the missionLearn the mindset and moves that lead to real results. Please visit my website to get more information: http://diversifiedgame.com/

[Part One] Lee Gilley — the Houston man accused of murdering his wife Christa Bauer Gilley and their unborn baby — has fled the country… to Milan, Italy! On today's episode, investigative journalists ⁠Mandy Matney⁠ and ⁠Liz Farrell⁠ break down how a capital murder defendant out on $1 million bond cut off his ankle monitor on a Friday night, flew to Canada, then to Milan on fake documents under the alias "LeJeune Jean Luc Olivier," and is now begging Italy for asylum to dodge a death penalty Texas wasn't even seeking. How did Harris County pre-trial services miss this for three full days? Why did prosecutors barely fight bond in the first place? And what does it mean that Lee hired Dick DeGuerin — the lawyer behind the defenses of Robert Durst and David Koresh? Plus: the "Unicorn Killer" precedent that took years to resolve, the lies hiding in Lee's own polygraph, and the war on women playing out in Houston courtrooms. Put on Some Purple For Christa… And Let's Dive in…

Don and Tom react to the gold-pushing radio show that replaced Talking Real Money, breaking down misleading claims about gold investing, TSP accounts, and “tax-free” gold IRAs while exposing the fear-based marketing behind precious metals sales. They contrast long-term investing with speculation, discuss Jamie Dimon comments taken wildly out of context, and explain why gold's recent surge says little about the future. Listener questions then shift the conversation toward international diversification, currency risk, sector tilts, Warren Buffett's investing philosophy, and the dangers of overly aggressive retirement portfolios.0:05 TRM celebrates escaping radio before being replaced by a gold-selling show0:41 Listening to “Striking Gold” and Jamie Dimon's gold comments taken out of context2:05 Gold sales commissions and fear-driven retirement marketing3:12 Gold's recent run versus long-term stock market returns4:18 Debunking claims that TSP assets are endangered by USPS finances5:30 Why fear and instability have driven gold prices higher lately5:55 Gold's massive decline from 1980 through 20007:07 Problems with comparing physical gold to cash savings7:38 Misleading claims about tax-free gold IRA withdrawals9:04 Gold IRA marketing tricks and Roth IRA confusion9:57 States stockpiling gold and why it may be a bad long-term idea10:30 Prepper logic: why ammo and canned food matter more than gold11:30 The economics behind nationwide gold radio advertising12:28 Listener calls, Auschwitz exhibit voiceover talk, and Chad's international investing question13:39 AVGE, international equities, and whether currency risk matters15:30 Emerging markets, currency swings, and diversification benefits16:15 Japan's lost decades and the importance of global diversification17:37 Why AVGE is a strong long-term diversified fund18:07 Why multinational U.S. companies are not true international diversification19:28 Robert asks about sector tilts and Warren Buffett underweighting financials20:46 Why sector overweighting lacks strong evidence21:32 The factors that actually have long-term data behind them22:52 Buffett's advice for regular investors versus Berkshire's strategy24:05 Francisco's $1.5 million retirement portfolio reviewed25:34 Concerns about low bond exposure and large-cap concentration27:12 Bond funds versus CD ladders and the real role of fixed income28:02 Problems with dividend-heavy retirement income portfolios28:50 “Hodgepodgey” portfolio construction and balancing risk29:05 Using the TRM risk quiz to evaluate stock/bond allocation30:04 Free fiduciary portfolio reviews from Appella advisors30:27 Tom jokes about putting gold in his least favorite brother's portfolioQuestions? Comments? Click!

We're taking you to Dallas, TX, a vibrant and fast-growing city packed with incredible food, unique neighborhoods, and endless things to do. From scenic spots like the Dallas Arboretum and Botanical Garden and the Katy Trail to deep history at the The Sixth Floor Museum at Dealey Plaza, we're covering how to explore Dallas like a local, a few restaurants and spas we love and share practical tips for navigating this sprawling Texas city.Episode Highlights:Top things to do in DallasBest neighborhoods: Deep Ellum & Bishop Arts DistrictUnique stops like the EyeboretumSpa experiences at WorldSprings & Spa CastleWhere to eat: Pecan Lodge, Hutchins BBQ & Eatzi's Market & BakeryTravel tips: weather, transportation & hotelsHotels in Dallas we recommend:Canvas Hotel DallasMarriott Dallas Las ColinasMagnolia Hotel Dallas DowntownOr check out these highly rated Dallas hotelsFind more fun things to do in Dallas, and even some that we wanted to do but couldn't get to, in our curated Viator shop.Find a great flight deal to Dallas, or anywhere else, with Thrifty Traveler Premium's 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

Double Tap - Ep 460 This episode of Double Tap is brought to you by: C&G Holsters (Code: WLSISLIFE) Gideon Optics (Code: WLSISLIFE) Rost Martin (Code: WLSISLIFE) Night Fision (Code: WLSISLIFE) Blue Alpha Second Call Defense Text Dear WLS or Reviews +1 743 500 2171  Public   Show Titles   GOA GOALS Aug 1-2 in Iowa. https://goals.goa.org/ GunCon.net Tickets on sale now. Use code AGENCY171 DEAR WLS Question from Anonymous Coward from Oklahoma Matt, Good evening! When creating a gun trusts does everyone on the trust have to submit finger prints and passport photo? Does everyone have to submit the eft and photo for every NFA item that is transferred to the trust? Question from typicalpnwguy from Washington Dear fellow Chad's, I have an “in Minecraft” finders keepers question. If you find a gun on the road while out on your delivery route how long would you wait to start buying mags, a light, a red dot, or a holster for it? Obviously I wouldn't tell anyone or post pictures as I love my dogs too much. Thank you, typicalpnwguy Question from sean_spelled_right from Virginia Question from sean_spelled_right. I'm late to the Glock stuff. I'm wanting to put together a Glock 19, with pretty much no Glock parts. I was thinking about a sct frame but don't really know what to do as far as the slide or barrel. Any suggestions for reasonably priced build. Reasonably priced for me is about $500 for everything. Great show! Question from Anonymous Coward from Texas Really enjoy yalls podcast and appreciate all the great knowledge. I was wanting to pick up a blue alpha battle belt lite. Do yall have a discount code that could help the cost? Question from Shaak&Awe from FL Shaak&Awe FWB FL. Curious, has Yairemy ever been interviewed for statements said on the We Like Shooting podcast? Brought to you by Carl's Jr. Question from Duke from Texas Duke of Crude (Dallas trash that was exiled to Oklahoma): Hey fam, Are Weatherby rifles just out of style or am I just addicted to fuddlore and set on a rifle brand that hit its peak 30 yrs ago? With the announcement of their 25 rpm, I'm really beginning to have some doubts about their creativity of high performance cartridges. I have been shooting 300 wby mag for a long time and love the platform, but it seems like all of the newer better performance rounds are not coming from Weatherby. Most of the marketing I see from Weatherby is copying of homework from Hornady with like 15% more velocity. Curious if ya ll even have Weatherby on your radar or if I'm just living like it's 1994. Thanks for the laughs, Duke GUN INDUSTRY NEWS Davranov Limited Edition Python Plate Carrier Davranov has unveiled a limited edition version of its Python Plate Carrier featuring a unique patterned exterior while retaining core functionality including compatibility with standard ballistic plates, modularity for pouches and accessories, and ergonomic adjustments via shoulder straps and cummerbund. The design prioritizes load distribution, mobility, durability in demanding conditions, and user comfort for extended wear. Priced at $3,600 with restricted availability targeting collectors and enthusiasts. Griffin Armament GHS Heads-Up Sight Red Dot Review The Griffin Armament GHS is a heavy-duty, enclosed-emitter red dot sight designed for long guns, featuring a large 38x28mm multi-coated glass window, 3 MOA dot, and robust aluminum construction with rubber-cushioned roll cage. It offers 10 brightness levels (including 2 NV), shake-awake functionality, IPX7 waterproofing, 1200G shockproof rating, and integrated co-witness Picatinny mount. Review highlights its tank-like build quality, durability, and performance suitability for rifles like the Pivot. Manticore Arms MA-38800 Ripley Rail The Manticore Arms MA-38800 Ripley Rail is a science fiction-inspired forend for AR-15 rifles, featuring a 6061 T6 billet aluminum integral carry handle with front and rear iron sights, M-LOK slots, and polymer foregrip. It free-floats over the barrel, clears barrel nuts up to 1.6 inches in diameter, and supports suppressors up to 1.6 inches (1.5 inches recommended). Weighing 23.3 ounces, it is 100% designed, manufactured, and assembled in the USA. MAC Industries LMF MP5 Weaponlight Military Armament Corporation (MAC Industries) has released details on the LMF-Series weaponlight, a direct replacement flashlight handguard for the MP5 and compatible variants like MAC 5, POF MP5, MKE AP5, Zenith ZF-5, HK53, and HK94/SP5. The unit features a 700-lumen LED with 9,000 candela output for 5 hours on two CR123A batteries, IP-X6 waterproofing, momentary/constant-on pressure switch, and standard scout bezel threading. Molded from glass-filled reinforced nylon, it positions the light lower for suppressor compatibility and retails for $199. Victor Company The Right Size 12″ Universal ARCA Rail Victor Company's The Right Size 12″ Universal ARCA Rail is an ARCA-compatible accessory that attaches to the underside of MLOK rails, featuring a tapered design and knurled bottom plate. Available in Raw, Black, Silver, Special Gray, and pure Brass versions, the standard adds 5.5oz while the Brass adds 27oz for stability. It is MLOK compatible. STP SWAT: STP Enters US Tactical Market with 2011 Pistol German manufacturer Sport Target Pistol (STP) is expanding from competition target pistols into the US tactical and duty market with the STP SWAT, a 9mm 2011-style pistol featuring precision machining, polygonal rifling, and optics-ready design. The STP SWAT offers 4-inch and 5-inch barrel options, accessory rail, magwell, and high accuracy with minimal break-in, tested reliably with defensive ammunition. It bridges target precision with tactical features like PVD finish and compatibility with duty holsters and lights. Colt Anaconda and Python: Two New Davidson's Exclusives Colt's Manufacturing has released two new Davidson's exclusives: the .44 Magnum Anaconda and .357 Magnum Python revolvers, both featuring unique 2 1/2-inch barrels and round-butt grip frames not previously offered in these lines. Both models sport semi-bright stainless steel finishes, premium walnut grips, and tuned 3.5-pound single-action triggers. Available through Davidson's for dealers via DavidsonsInc.com. Ruger LCP MAX with Magpul EHG Grip Ruger has collaborated with Magpul to equip the LCP MAX .380 ACP pistol with the Magpul Enhanced Handgun Grip (EHG), improving ergonomics, control, and recoil management while maintaining concealability. The EHG features a more aggressive gripping surface, higher beavertail, undercut trigger guard, extended trigger reach, ¾ TSP texture, and tactile reversible magazine release. It supports 10-, 12-, and new 13-round magazines, with the grip available as a standalone upgrade soon. Trijicon SRO Green Dot Trijicon has released a new green dot version of its SRO reflex sight, featuring a 2.5 MOA green reticle in Black and Coyote Brown finishes. The sight leverages green wavelength sensitivity for brighter daylight visibility, prolonged battery life at lower settings, reduced eye strain, and better performance for astigmatism or color blindness. It maintains compatibility with RMR footprint for pistol mounting and uses rugged 7075-T6 aluminum construction. Davidsons and Hi-Point Firearms Announce Exclusive Burnt Bronze Hush-Point 22 Suppressor Davidsons and Hi-Point Firearms have announced an exclusive collaboration for the limited-edition Burnt Bronze HP22 Hush-Point 22 suppressor, available only through Davidsons to dealers nationwide. This lightweight, user-serviceable monocore rimfire suppressor features an aluminum body, monolithic baffle, and durable 17-4 stainless steel host cap threaded 1/2×28, measuring 6.19 inches long and weighing 4.9 ounces. It provides effective sound reduction for .22 LR and compatible rimfire cartridges, distinguished by its burnt bronze Cerakote finish. PTR Jack SBS FS 25-inch 12 Gauge NFA Shotgun PTR Industries has released the Jack SBS FS, a factory-built short-barreled 12-gauge shotgun measuring 25 inches overall with a 7.25-inch barrel. It features Hogue OverMolded Rubber Tamer pistol grip and fixed stock for recoil management, Cerakote Black finish, and a detachable 6-round side saddle. As an NFA item, it requires a Form 4 transfer through a licensed dealer. ATN TICO 6 Thermal Clip-On ATN Corp. has introduced the TICO 6 Thermal Clip-On, enabling hunters to convert existing daytime riflescopes into thermal systems quickly without optic replacement. It supports hog and predator hunting at night while preserving the familiar rifle setup, sight picture, and controls. Positioned as a flexible upgrade for low-light thermal performance. Imported Story https://pew.report/c/bjMo4Q Strike Industries Strike Rotatable Optic Mount The Strike Rotatable Optic Mount from Strike Industries is a versatile offset optic system featuring up to 120 degrees of rotation for customizable optic placement. It supports dual footprints including Strike Industries Multi-Optic Mount and Aimpoint Micro standard, compatible with over 30 red dot optics. Constructed from high-strength steel Picatinny rail mount and 6061-T6 aluminum optic plate, it offers ambidextrous mounting and low-profile design for use as a secondary sighting solution. Before we let you go – JOIN GUN OWNERS OF AMERICA We'd love if you supported the show, join Agency 171 at agency171.com. Lot's of prizes, rewards and kick ass swag. No matter how tough your battle is today, we want you here fight with us tomorrow. Don't struggle in silence, you can contact the suicide prevention line by dialing 988 from your phone. Remember – Always prefer Dangerous Freedom over peaceful slavery. We'll see you next time! Nick – @busbuiltsystems | Bus Built Systems Jeremy – @ret_actual | Rivers Edge Tactical Aaron – @machinegun_moses ...

Last week, investigative journalist Mandy Matney showed up in Cherokee County Courthouse in Gaffney, South Carolina, for a hearing related to her request that her deposition in the Mallory Beach civil conspiracy case be held in the offices of her lawyers or Beaufort County Courthouse — somewhere secure.  But when the hearing began, the attorneys of billionaire gas station owner Greg Parker — who is a defendant in the case — AMBUSHED Mandy, a non-party in the  case. Instead of the court hearing arguments in favor of each side's motions, Debbie Barbier immediately called Mandy to the stand in a highly unusual and confusing move that was clearly meant to intimidate, silence and berate a journalist whose opinions Greg Parker doesn't like. Debbie, by the way, is not only one of Greg Parker's many attorneys in this case but also the attorney for Alex Murdaugh co-conspirator Cory Fleming. Interesting how that came around, right?  On today's episode, investigative journalist (and Mandy's co-host of True Sunlight) ⁠Liz Farrell⁠ gives a rundown of what happened in the courtroom and shares her thoughts about Debbie's invasive and dishonest questioning of Mandy and Greg Parker's continued retaliatory use of the court system, which … South Carolina just allows it, if you're rich enough.  Let's Dive in…