Podcasts about TSP

Spencer Reese tackles the five most common Thrift Savings Plan questions he receives from listeners via email, Instagram, and the podcast inbox. He covers the Roth vs. Traditional decision for service members, how to think about TSP fund selection within your overall asset allocation, why the TSP's tax advantages make it a standout account for military members, what happens if your contributions exceed the annual limit, and what to do with your TSP after separating from the military. Questions asked and topics covered: Should I choose Roth or traditional TSP? Why most service members should default to Roth given low taxable military pay Combat Zone Tax Exclusion (CZTE) pay and why it makes Roth especially powerful When traditional starts to make sense — 22%+ bracket, field grade officers, pilot or medical bonuses, high-earning spouse The option to mix and match contributions What TSP investment strategy should I pick? Applying your asset allocation across all accounts, not fund by fund How C and S fund allocations translate to total US stock market exposure Where international exposure fits in your IRA or brokerage account The case for defaulting to a Lifecycle (L) fund based on birth year plus 65 or 70 Why there's plenty of time to adjust before bond allocations ramp up Is there a big reason to use the TSP over other investments? Taxes as the primary driver — the triple tax benefit of untaxed military pay into Roth accounts BAH, BAS, COLA, and CZTE as untaxed income The automatic 5% BRS match after 24 months of service In-plan Roth conversions for moving matched traditional dollars to the Roth side Low costs and built-in diversification What happens if my contribution percentage exceeds the annual limit in December? How DFAS caps and auto-adjusts your final contribution How excess contributions are refunded if a mistake occurs The 2026 contribution limit of $24,500 Why missing the max by a couple hundred dollars doesn't matter What should I do with my TSP after I leave the military? Why leaving it in the TSP is the default recommendation Continued access to the G Fund Rolling outside 401(k) funds into the TSP to consolidate When rolling over to a new employer's 401(k) or a traditional IRA might make sense

The first half of the year delivered strong returns for many TSP investors. But rising balances can sometimes mask a more important question: how much risk sits underneath those gains? Here with a midyear reality check is certified financial planner Arthur Stein.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Send us Fan MailPeaches sits down with Kaylon, a former Air Force Security Forces military working dog handler, dog trainer, and father of a 17-year-old preparing for Air Force Special Warfare.This episode is for the parents.Kaylon talks about his time as a Security Forces K9 handler at RAF Mildenhall, his deployment experience, working explosive detection dogs, and eventually transitioning into professional dog training. But the real focus of this conversation is what it feels like as a parent when your kid says, “I want to join the military,” and then starts looking at Air Force Special Warfare.They talk about how Kaylon's son went from considering Navy SEALs to discovering Combat Control, how the family handled that decision, why his mom supports him even while being nervous, and what parents should do when they do not fully understand the path their kid wants to take.Kaylon also breaks down why he sent his son to Operator Training Summit, what the experience did for him, how the cadre helped expose holes in his training, and why the event gave his son more confidence that this is the path he wants.If your son or daughter is talking about CCT, PJ, TACP, Special Reconnaissance, or any other military path that makes you nervous, this episode is a great place to start.Check out Tasty Gains: TastyGains.comRegister for Operator Training Summit: OperatorTrainingSummit.comJoin the Ones Ready membership for early access, members-only episodes, and exclusive content.Chapters:00:00 - Intro, Tasty Gains, and Operator Training Summit02:25 - Why This Episode Is for Parents02:45 - Meet Kaylon03:08 - Peaches and Kaylon at RAF Mildenhall03:41 - Security Forces and Military Working Dogs05:10 - EOD, K9 Handlers, and Career Field Banter06:12 - Mildenhall, Old Friends, and Trusting the Ones Ready Crew07:51 - Kaylon's Military Family Background08:01 - Joining the Air Force After 9/1109:42 - Giving His Son the Chance to Try09:56 - His Son's Interest in Special Operations11:26 - From Navy SEALs to Air Force Special Warfare12:27 - School, Homeschool, and Graduating Early14:45 - Mom's Support and Military Spouse Reality18:28 - What Parents Should Know When They Are Nervous20:14 - Why Parents Should Use Ones Ready as a Resource22:32 - Prior Military Parents and Steering Your Kid24:35 - Training Around Special Tactics at Mildenhall25:24 - CCT or Bust and Not Building an Escape Hatch27:21 - Why Every Air Force Job Matters28:56 - The Reality of Security Forces Shifts31:50 - Life as a Dog Handler33:57 - The Ugly Side of Working Dogs34:48 - Helping His Son Build a Network36:52 - Physical Training and Keeping a 17-Year-Old Honest39:12 - Lessons From the TF Voodoo Rucking Episode41:20 - Trash Hips and Mobility Work41:57 - What It Was Like Arriving at Operator Training Summit44:53 - Parents Sending Young Candidates to OTS47:00 - OTS Is Instruction, Not a Smoke Session48:52 - Why “Just Show Up and Don't Quit” Is Bad Advice49:20 - Why Kaylon Chose OTS Over Other Prep Camps50:25 - The Value of Real Instructors50:53 - Taylor Starch, Running Form, and Mobility55:10 - Advice for Parents Whose Kids Want to Join57:50 - Letting Your Kid Become Their Own Person01:01:37 - Recruiters, Contracts, and Ship Dates01:02:26 - Sitting Down With the Special Warfare Recruiter01:03:40 - TSP, Blended Retirement, and Money Lessons01:05:49 - Picking Battles in the Air Force01:07:55 - Kaylon's Son at OTS01:08:32 - Why OTS Validated the Goal01:09:57 - Trent, Peaches, and Cadre Mentorship01:11:20 - Finding Holes in Training01:12:31 - Final Thoughts and Wrap-UpSupport the showJoin this channel to get access to perks: HEREBuzzsprout Subscription page:  HERERegister for our Operator Training Summit:  OperatorTrainingSummit.comFind an Air Force Recruiter: AirForce.comCollabs:Ones Ready - OnesReady.com 18A Fitness - Promo Code:  ONESREADY ATACLete - Follow the URL (no promo code):  ATACLeteDanger Close Apparel - Promo Code:  ONESREADYDFND Apparel...

Investigative journalists Mandy Matney and ⁠Liz Farrell have some questions about a Spartanburg County Police report… made by none other than Debbie Barbier… When Greg Parker's attorney Deborah Barbier told Spartanburg police she'd been “harassed” in a hotel lobby the morning of Mandy's contempt hearing on June 22, 2026, the department did something our team has never seen done so thoroughly for a harassment complaint made by a woman: it investigated.  Multiple officers. Multiple weeks. Untold public monies. Search warrants signed by magistrate judges with no explanation of what probable cause existed — including a search of Mandy's Marriott room records and private guest information divulged over the phone. Hours of surveillance footage later, police could not locate the confrontation Barbier described, and the case is now listed as "inactive". We're revisiting what South Carolina's harassment statute actually says, and ask why protected first amendment activities keep getting recast as crimes… and why behavior matching the statute is disregarded.  Then we relook at McClatchy reporter John Monk's coverage of Mandy's contempt proceedings through the prism of his 44 year old son's federal indictment on child sexual abuse material charges — to which Monk Jr. has pleaded not guilty. We have questions… Let's Dive In…

Active fund managers have a new explanation for years of underperformance: index funds have made their old job harder. Don and Tom examine that award-winning excuse, revisit how indexing reshaped the business, and return to the stubborn arithmetic—when active management charges more, matching the market still means losing to it after fees.Listener questions widen the lens. A UK investor wants to move from 60/40 to 50/50 without taking needless currency risk, while a family needs a sensible plan for a $200,000 windfall, a near-term car purchase, Roth contributions, and the money left for a brokerage account.The show closes with a federal retiree's TSP allocation and a critique of an AI-built income portfolio stuffed with dividend funds. The throughline is simple: start with the job the money must do, favor total return over yield theater, and keep the plan easier to understand than the sales pitch.00:33 AI jingles on demand02:31 Active managers blame index funds08:34 A Social Security benefit wrinkle10:00 A UK investor moves from 60/40 to 50/5016:11 Planning a $200,000 windfall and car purchase20:20 A federal retiree's TSP choices22:59 AI builds a dividend-income portfolio28:24 The jingle experiment continuesQuestions? Comments? Click!

Roth conversions can be powerful — but do one before 59½, or inside your TSP, without a plan, and it can sting. Charles and Marcus explain why these two are mentioned in the same breath: the 10% early-withdrawal penalty when you withhold tax under 59½, why an in-plan TSP conversion avoids the penalty but won't withhold your taxes, and why you need cash outside the account to pay the bill. Walked through with two real stories — "Jack" and "Jill" — plus the measured-step approach and the Roth 5-year clock. Chapters: 0:00 Before 59½ or Inside the TSP 1:30 The 10% Penalty 2:20 Inside the TSP: No Withholding 3:47 Why a "Distribution" 5:46 Jack's Story 8:35 Jill's Story 13:30 Start Small 14:56 Ask About the 5-Year Clock Watch Roth Conversion Timing Mistakes Some Federal Employees Make with Tax Brackets: https://youtu.be/Ql-ZHqbEtm0CTA: Apply for a Retirement Consultation: https://apply.cdfinancial.org/6a694299bad1c9a176cdc79f/ Disclaimer: Educational only; not tax advice. Consult a qualified tax professional before a Roth conversion. Advisory services through CD Financial LLC dba CD Financial (CA); insurance through CD Financial & Insurance Services LLC. Support the show

In this weeks Travel Tuesday Flashback Episode, we're taking you with us to vibrant, bustling Tokyo! From theme parks to tea ceremonies, ancient temples to glowing digital art museums, we packed our itinerary with the best of Japan's capital city—and now we're sharing it all with you. Whether it's your first trip to Tokyo or you're planning a return visit, this episode is full of helpful travel tips, must-do activities, and honest insights to help you experience the magic of Tokyo like a squad pro.Download our ⁠⁠5 Day Tokyo Itinerary⁠⁠ to make your trip planning even easier!Stay at the ⁠⁠Rembrandt Style Tokyo Nishikasai Grande Hotel⁠⁠ or ⁠⁠DoubleTree by Hilton⁠⁠ near the Kyoto StationGet an eSim from ⁠⁠Airalo ⁠⁠before you go and the ⁠⁠Tokyo Tourist Subway Passes⁠⁠ as soon as you get thereReserve your ⁠⁠Tokyo Disney Sea ⁠⁠tickets well ahead of timeWe highly recommend the ⁠⁠Tea Ceremony Workshop⁠⁠, ⁠⁠Sumo Wrestling Show⁠⁠ the ⁠⁠Onsen⁠⁠ experience, and going to ⁠⁠TeamLab Planets ⁠⁠while it's still there.Visit iconic sites like Sensoji Temple, Sumida Park, Nezu Shrine, and Ueno Park during cherry blossom seasonStroll through Tsukiji Outer Market, sampling sushi, seafood, and Japanese street snacksDiscover hidden gems like Hamarikyu Gardens and the peaceful Nezu Shrine away from the crowdsTake in sweeping skyline views (for free!) from the Tokyo Metropolitan Government Building's observatory and catch their epic Godzilla-themed light showFind more recommended activities in our⁠⁠ Japan Experience's Viator Shop⁠Find a great flight deal to Tokyo, or anywhere else, by signing up for ⁠⁠⁠⁠⁠Thrifty Traveler Premium⁠⁠⁠⁠⁠ and get flight deals sent straight to your inbox. Use our promo code TSP to get $20 off your first year subscription.—---------------------------------------Shop:⁠⁠ Trip Itineraries ⁠⁠⁠&⁠⁠ ⁠Amazon Storefront ⁠⁠⁠Connect:⁠⁠ ⁠YouTube⁠⁠⁠,⁠⁠ ⁠TikTok⁠⁠⁠, and⁠⁠ ⁠Instagram⁠⁠⁠⁠⁠⁠ ⁠⁠⁠and contact us at travelsquadpodcast@gmail.com to submit a question of the week or inquire about guest interviews and advertising. Submit a question of the week or inquire about guest interviews and advertising.Contains affiliate links, thanks for supporting Travel Squad Podcast!

In this short video, Charles explains single stock risk, why "they're in different sectors" isn't the protection people think it is, and the concentration approach he prefers instead. If your portfolio holds just three, four, or five individual stocks, you may be carrying more risk than you realize. Four can perform beautifully — and one bad position can pull your whole year down. How many individual stocks are in your portfolio right now? Drop the number below

Investigative journalist Mandy Matney is best known for doggedly pursuing and unraveling Alex Murdaugh's financial crimes against his 100-year-old family law firm and its clients in the low country of South Carolina. Mandy's coverage of and in-depth investigation into Murdaugh's legal dynasty family began in 2019, when a boat crash involving 19-year-old Paul Murdaugh resulted in the death of 19 -year-old Mallory Beach. Mandy's relentless reporting continued through 2021 with the murders of Maggie and Paul Murdaugh and extensive trial of former attorney Alex Murdaugh, who was eventually found guilty of their murders. However, in 2026 he was granted a new trial.    Mandy told the story via the hugely successful "Murdaugh Murders Podcast" which led to the Hulu miniseries "Murdaugh: Death in the Family", on which Mandy served as executive producer.     On 7/13/26, Judge R. Keith Kelly, Hampton County, SC, issued a contempt order against Mandy and ordered her to pay $176,500 in attorneys' fees and a fine for "wilfully" failing to appear for a deposition on March 27 2026 in the case of Beach v Parker, et al, in which she is a non-party. Of note is that the deposition did go ahead 11 days later.    In this episode, Laura and Mandy carefully examine the timeline of events, the courtroom proceedings and the wider implications-not only for Mandy, but for investigative reporting more broadly. Laura also shares her analysis of patterns of  behaviour of those who stalk and harass and how common it is for courts not to understand motivation, threats and the ‘dripping tap' power and control related intimidation tactics used by men against women.    #MandyMatney #Murdaugh #PressFreedom #InvestigativeJournalism #CrimeAnalyst #Expert #Stalking #Fixation #Obsession #Analysis #Behaviour #TrueCrime #Podcast #Crime      More from Mandy Matney and LunaShark  Support Mandy directly: Go Fund Me  LunaShark  LunaShark Premium  Links:  Youtube https://youtube.com/channel/UC6t_kdvrDw2p1F79IBnnNWQ  Instagram https://www.instagram.com/truesunlightpod  Facebook https://www.facebook.com/109188244940222  Tiktok https://tiktok.com/@lunasharkmedia    Clip   https://www.youtube.com/live/0wmHESgSHSA?si=ASJBdEm_VAvkqGKI     Sources  https://www.fitsnews.com/wp-content/uploads/2026/07/Matney-Contempt-Order-13July2026.pdf   S.C. Judge Finds Murdaugh Podcaster in Contempt of Court - FITSNews  https://www.foxnews.com/us/judge-unloads-176k-penalty-murdaugh-podcaster-mandy-matney-finding-subpoena-defiance  https://www.youtube.com/live/0wmHESgSHSA?si=slGeBV12-u6ZeV8M  www.thestate.com/news/local/crime/article277634293.html  https://qcnerve.com/james-seidel-carolina-fish-market/  TSP #156 [Part One] - A Dark Day At The House Of True Sunlight After $176,500 Contempt Sanction TSP #156 [Part Two] - Reasonable Fear of an Unreasonable Justice System: More on Mandy's $176,500 Punishment Without Process  TSP #155 [Part One] - Judge McCaslin Takes the Wheel: Murdaugh Retrial Hearing Recap  TSP #155 [Part Two] - Pink in the Courtroom: Why Greg Parker Apparently Fears Free Speech      Thank You to Crime Analyst Sponsors Who Make the Show Possible. Support The Show Through the Sponsors:  Upgrade your everyday. Go to Quince.com/CRIMEANALYST for free shipping on your order and 365-day returns. Now available in Canada and the UK, too.  Amplify your summer look with Thrive Causemetics. Go to thrivecausemetics.com/ANALYSTS for an exclusive offer of 20% off your first order.   Support Crime Analyst  If you value these conversations, please follow, rate, and review Crime Analyst wherever you listen to podcasts. Sharing episodes helps us educate more people about coercive control, stalking, domestic abuse and homicide prevention.  For exclusive episodes, live events and behind-the-scenes content, join the Crime Analyst Squad on Patreon.    Laura's Resources and Training information: www.dashriskchecklist.com    www.thelaurarichards.com     Crime Analyst YouTube, Socials and Website     YouTube @crimeanalyst      Facebook Crime Analyst Podcast     Instagram @crimeanalyst @laurarichards999     Threads @crimeanalyst     X @thecrimeanalyst @laurarichards999      TikTok @crimeanalystpod     Website www.crime-analyst.com      Leave a 5* Review https://www.crime-analyst.com/reviews/new/  Learn more about your ad choices. Visit podcastchoices.com/adchoices

One deployment. $87,000 into Roth accounts. Never taxed going in, never taxed coming out — and if you're 25, that grows to roughly $1.5 million by 60 without a dollar of federal income tax. In this solo episode, Spencer Reese breaks down the military mega backdoor Roth: the combat-zone strategy that lets you blow past the normal TSP limit using tax-exempt CZTE pay and the Roth in-plan conversions that became available in January 2026. He walks through the exact myPay percentages, the monthly conversion rhythm, and the mistakes that can lock you out of contributions or cost you the BRS match. Questions Answered What is the combat zone tax exclusion (CZTE), and who qualifies? What's the difference between traditional and Roth contributions? Which two limits make this strategy work — and why doesn't CZTE pay count against the elective deferral limit? How much extra TSP space does a combat zone deployment actually open up? What percentages should you set in myPay? What are the Roth in-plan conversion rules and restrictions? Why convert monthly instead of once at the end of the year? What happens to the taxable portion, and how do you pay those taxes? What if you're only deployed six months? Where do people screw this up? What should you change when you get home? Main Topics Covered The triple tax advantage of CZTE pay: tax-free in, tax-free growth, tax-free out 2026 limits: $24,500 elective deferral vs. the $72,000 annual additions limit Why tax-exempt combat zone pay only counts against the higher limit Worked example on $100,000 base pay: ~24–25% to Roth TSP, ~43% to traditional TSP Roth in-plan conversions — up to 26 per calendar year, $500 minimum, $500 must stay behind The pro rata rule and why monthly sweeps beat one December conversion Stacking Roth IRAs on top: $7,500 single / $15,000 married filing jointly Common mistakes: maxing the Roth TSP early and losing the BRS match, the 92% myPay cap that makes DFAS reject the whole transaction, and letting gains pile up before converting The six-month deployment version — still roughly $74,000 into Roth accounts Turning off the extra contributions once you're back home Deploying next year? Pre-loading traditional contributions to convert at a low rate Resources Mentioned Full article + calculator: https://militarymoneymanual.com/max-tsp-contributions-combat-zone/ — or search "military mega backdoor Roth" CZTE area list: irs.gov TSP contribution rules: tsp.gov (contributions section) TSP in-plan Roth conversion guide How to max your TSP and get the full BRS match Savings Deposit Program (SDP) — guaranteed 10% on $10,000 while deployed Book: The Military Money Manual Advertiser Disclosure: This video may contain links through which we are compensated when you click on or are approved for offers. The information in this video was not provided by any of the companies mentioned, and has not been reviewed, approved, or otherwise endorsed by any of these entities. All opinions, analyses, and recommendations are the author's alone, not those of any bank, credit card issuer, airline, or hotel chain. Military Money Manual may receive compensation from JPMC.  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 24,000 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 Chase Sapphire Reserve® Card. 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. Offers may be expired: Offers, rates, fees, and benefits are subject to change and may have ended since this video was published — please verify the current terms on the issuer's official website before applying. Terms apply, and all cards are subject to credit approval. Any comments below are from individual users and are not provided, reviewed, approved, or endorsed by any issuer.

Biff and Allen travel to TSP in Liberty, SC to visit with Tripp Cobb. Tripp is the President of Tri State Pumps and the grandson of golf course designer George Cobb. Visit scgolf.org for all things golf in South Carolina.

A few weeks ago, Rob Snyder came on the pod to introduce his PULL framework for identifying real product-market fit. Now, Yaniv turns the tables and subjects his own startup, Vera, to the same scrutiny. Yaniv and Rob strip away the noise around Vera's mission to help adult children care for aging parents and get brutally honest about where the product actually has pull, where it doesn't, and what needs to change immediately. They identify a specific, unavoidable moment in the customer journey and pinpoint that is where the real business begins, and discuss more macro issues, such as AI vs. human expertise, founder blind spots, and more. In this episode, you will:Understand the difference between an aspiration and a project, and why this distinction is vital for PULLLearn how the PULL framework cuts through startup theory to identify the exact moment when customers will actually pull your product from your hands, before they have to wait for a crisisDiscover why Vera's original problem was too abstract, and how narrowing to a specific market segment with intense, unavoidable need becomes your path to revenue and growthHear the truth behind what really pushes your customers to adopt earlier: reality does the convincing, not your marketingUnderstand the challenge of reputation in AI: how do human-shaped applications build trust the way human experts do?Timestamps00:00 Coming Up01:38 On Today's Show: Yaniv Applies PULL to Vera04:42 Defining PULL and Projects05:54 Vera's Customer Goals08:00 Unavoidable Moments and Crisis11:25 Real Users and Traction16:58 Mission vs Push Marketing24:07 Why Isn't Google Enough?28:21 Nailing the Specific Project34:02 Testing Market With Ads37:06 Bill Gates And AI Shift38:47 Human Shaped Software Design43:45 Trust And Reputation In Bots48:48 About The BookResources mentioned in this episodeThe Power of Pull by Rob Snyder: https://www.amazon.com/Power-Pull-Customer-Successful-Founders/dp/1541705955Rob Snyder's website: https://www.robsnyder.orgVera (Yaniv's startup helping families care for aging 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 on YouTube for full video episodes: https://www.youtube.com/@startup-podcast Give 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/tsp⁠⁠⁠⁠⁠The 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 sharing how to have a very quick but unforgettable visit to Palm Beach, Florida. From watching sunrise on the beach and strolling Worth Avenue to sipping cocktails at the iconic Colony Hotel, she covers the best things to do, where to stay, and insider tips for planning your own luxury Florida getaway, plus a few can't-miss spots she's already saving for her next trip.Hotels in Palm Beach we recommend:The Breakers - Iconic mansion resort near the beachPalm House - Pretty in pink with a great poolThe Colony - Another pink hotel, this synonymous to Palm BeachCheck out some cool things to do in Palm Beach area in our Viator Shop.Find a great flight deal to Palm Beach 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!

Most service members leave serious money on the table every year because nobody sat them down and explained how the military's pay structure actually works from a tax perspective. I'm breaking down 12 tax advantages built specifically for active duty, Guard, Reserve, and veterans. From BAH exemptions and combat zone TSP contributions to the Section 121 capital gains exclusion that saved one of my buddies close to six figures on a home sale.   Timestamps (00:00) - Intro (00:27) - PCS Moving Expense Deductions (01:09) - BAH, BAS, and Tax-Exempt Allowances (03:06) - Roth vs. Traditional TSP (03:54) - Deployment Tax Benefits and Combat Zone TSP (04:48) - Tax Credits vs. Deductions Explained (06:51) - Real Estate Tax Benefits and Section 121 Exclusion (08:57) - State of Residence Strategy (09:48) - Filing Extensions and Penalty Relief (10:06) - Reserve and Guard Drill Deductions (10:25) - Veteran Tax Advantages: Disability Pay, GI Bill, State Benefits   About the Show On the Military Millionaire Podcast, I share real conversations with service members, veterans, and their families. Each week, we explore how to build wealth through personal finance, entrepreneurship, and real estate investing. Resources & Links Download a free copy of my book: https://www.frommilitarytomillionaire.com/free-book Sign up for free webinar trainings: https://www.frommilitarytomillionaire.com/register Get an intro to recommended VA agents/lenders: https://www.frommilitarytomillionaire.com/va-realtor Apply for The War Room Mastermind: https://www.frommilitarytomillionaire.com/mastermind-application Join our investor list: https://www.frommilitarytomillionaire.com/investors Guide to raising capital: https://www.frommilitarytomillionaire.com/capital-raising-guide   Connect with David Pere Facebook Group: https://www.facebook.com/groups/militarymillionaire YouTube Channel: https://www.youtube.com/@Frommilitarytomillionaire?sub_confirmation=1 Instagram: https://www.instagram.com/frommilitarytomillionaire/ LinkedIn: https://www.linkedin.com/in/david-pere/ X (Twitter): https://x.com/militaryrei TikTok: https://www.tiktok.com/@militarymillionaire   Produced by ⁠UNFLTR

We're taking you along on a five-day staycation in St. Petersburg, Florida, to see what it would actually be like to live in this sunny Gulf Coast city and explore it for the first time. Kim got a free 5 night stay on Trusted Housesitters in exchange for dog sitting so this is vacationing like a local!We share how to balance remote work, explore local coffee shops and fitness studios, relax at amazing beach resorts, dine at St Pete restaurant, experience the St Pete Pier, and see dolphins along its beautiful waterfront park.St Pete Episode Highlights:Experiencing St. Pete while working remotely and travelingSaving over $500 on accommodations through Trusted Housesitters (see our episode on Trusted Housesitters too)Tips for visiting St. Pete, including transportation, parking, and best times to goRelaxing at SkyBeach Resort and The Don CeSar using ResortPassExploring the St. Pete Pier, Vinoy Park, and downtown waterfrontDiscovering local coffee shops, restaurants, rooftop bars, and nightlifeVisiting St. Pete Beach and exploring the Gulf Coast beaches nearbyBrittanie's honest take: could St. Petersburg actually be a place to live?If you go the traditional hotel route, here are some hotels in St Petersburg, FL we recommend:The Don Cesar on St Pete BeachThe Vinoy Resort & Golf Club overlooking Tampa Bay and the marina downtownHilton Garden Inn St Pete - Oceanfront hotel with the fun Coconut Charlie's beachfront bar attached Check out our favorite St Pete, FL things to do in our Viator Shop.Find a great flight deal to St Petersburg 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!

Roth conversions before 59½ and Roth conversions inside your TSP get mentioned in the same breath for one reason: they share the same drawback. Withhold taxes on a conversion before 59½, and the government treats it as an early withdrawal — adding a 10% penalty on top. Inside the TSP, they won't let you withhold at all. Either way, you need a plan for the tax money.━━━━━━━━━━━━━━━START HERE━━━━━━━━━━━━━━━Apply for a Retirement Consultation:https://perspectivefunnel.co/682642d22275ec003bfa6626/691df07396253e003c42b434/?ps_hello=Get the Digital Federal Retirement Guidebook:https://cdfinancial.org/being-a-federal-employee-book/Subscribe for Weekly Federal Retirement Planning Content:https://cdfinancial.com/newsletter━━━━━━━━━━━━━━━IN THIS VIDEO YOU CAN LEARN━━━━━━━━━━━━━━━- Why withholding taxes on a Roth conversion before 59½ triggers a 10% early-withdrawal penalty- How a 31% tax cost can quietly become 41%- Why the TSP won't let you withhold taxes on an in-plan conversion- Why you need cash OUTSIDE the account to pay the April tax bill- Smart places that tax money can come from — and the capital-gains trap to check first━━━━━━━━━━━━━━━TIMESTAMPS (after the intro is trimmed — confirm on final cut)━━━━━━━━━━━━━━━0:00 Roth Conversions Before 59½ or Inside the TSP0:05 The $50K Example (and the Tax Bill)1:05 The 10% Early-Withdrawal Penalty1:57 How 31% Becomes 41%2:25 Inside the TSP: They Won't Withhold at All2:45 The April Tax Bill You Must Plan For3:55 Where the Tax Money Comes From4:50 Check for Capital Gains First5:05 Watch Next: Roth Conversions & Tax BracketsNeed help? Text 949-359-5100 with your first and last name and your email.━━━━━━━━━━━━━━━WHO WE ARE━━━━━━━━━━━━━━━CD Financial helps federal employees and retirees make smarter retirement decisions around FERS, TSP, taxes, Roth, and retirement income planning — where health meets wealth.━━━━━━━━━━━━━━━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.Educational only; not financial, legal, tax, or investment advice. Tax rates and penalty rules depend on your individual situation; the percentages used are illustrative examples. Always consult a qualified tax professional before doing a Roth conversion.#RothConversion #TSP #FederalRetirement #TaxPlanning #FERS #CDFinancialSupport the show

This is a remastered Replay of one of our most popular episodes, "What Startups Can Learn From Poker", which was originally published on 21 December 2022. Enjoy!Original description: All season, Chris and Yaniv have talked about the mindset that is needed to succeed at venture-backed startups. For the final episode of Season 1, we tie it all together with an analogy: tournament poker. It is amazing how many things poker and startups have in common, so in this episode we use the lens of poker to discuss the big picture of how to approach building a successful startup. We dive into each of the following commonalities between poker and startup life:01:56 Playing an iterative game10:00 Burning cash13:31 Making decisions based on uncertain information18:46 Progressive learning28:44 Avoiding 'resulting'35:02 The relatively low probability of a successful outcome (and why that's OK!)This episode was inspired by the book 'Thinking in Bets' by former pro poker player Annie Duke.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 on YouTube for full video episodes: @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/tspThe 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/#TheStartupPodcast #startups #poker #texasholdem #investment #venturecapital #resulting #probability #ChrisSaad #YanivBernstein

Want to spend the day at a luxury resort without paying for an overnight stay? In this episode you'll hear why ResortPass is one of our favorite travel hacks. Learn how to book day passes to hotel pools, beaches, spas, and cabanas at resorts around the country, and daycation in luxury for a fraction of the cost of a hotel stay whether you're at home or on a trip.We share our experiences using ResortPass at The Don Cesar and Sky Beach Resort in St Pete Beach, FL and at Otopia rooftop pool and the pink and fun Downright Hotel in downtown Austin + many more.Explore spa and day passes on ResortPass for a staycation at home or on your next trip!Find a great flight deal 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!

Spend enough time around federal retirement and the acronyms start flying — and it starts to feel too late to ask what they mean. Charles and Marcus decode the alphabet soup in plain English: FERS (and RAE/FRAE), CSRS and CSRS Offset, TSP, FEHB, FSA, FEGLI, MRA, VSIP/VERA/DRP, SRS, SCD, OPM, ORA, AUO/LEAP, the SF forms, and CSA. Grab the free Acronyms Cheat Sheet in the description.Fill out the form and download the cheat sheet here: https://perspectivefunnel.co/682642d22275ec003bfa6626/6a445b182446fd510fd3af9b/Chapters:0:00 The Acronyms You're Afraid to Ask About2:03 FERS (RAE / FRAE)4:24 CSRS & CSRS Offset5:37 TSP6:23 FEHB & Open Season8:53 FSA10:04 FEGLI11:25 MRA12:44 VSIP, VERA & DRP14:24 SRS18:00 SCD, OPM & ORA23:06 AUO & LEAP25:00 SF Forms27:30 CSA + Free Cheat SheetCTA: Apply for a Retirement Consultation: https://perspectivefunnel.co/682642d22275ec003bfa6626/691df07396253e003c42b434/?ps_hello=Disclaimer: Educational only; not advice. Verify with OPM/TSP.gov. Advisory services through CD Financial LLC dba CD Financial (CA); insurance through CD Financial & Insurance Services LLC.Support the show

"I've got an annuity… or do I have an annuity? Wait, I'm a federal annuitant — what does that even mean?" Did you think being a FERS annuitant and having an annuity were the same thing? Drop a Y or N below

We're taking you on a fast-paced, culture-packed journey through Seoul, South Korea. From digging into crispy Korean fried chicken and sizzling BBQ, to exploring ancient palaces and tea houses, to stepping foot near the tension-filled border of the DMZ, we made the most of every moment. Jamal shares the wild adventure of navigating Seoul's public transit, Brittanie gets cozy with traditional teas and sweets, and we offer travel tips to help you explore Seoul like a pro. Don't miss this episode filled with history, K-culture, epic eats, and real talk about what it's like to squeeze Seoul into just two days!Stay at the ⁠Moxy Hotel⁠, a trendy, metro-accessible hotel with a rooftop barGet an eSim from ⁠Airalo ⁠before you goEat Korean Fried Chicken at KyoChon and Korean BBQ at MyeongdongTake a ⁠DMZ Tour⁠ and explore this forbidden land (you can book with ⁠Julie, our amazing tour guide on Instagram⁠)Wander through the traditional Bukchon Hanok VillageRelax at Chatteul Tea HouseTour the iconic Gyeongbokgung PalaceRide the Namsan Cable Car to the ⁠Observation Deck Seoul Tower⁠ for panoramic nighttime views.Find a great flight deal to Seoul, or anywhere else, by signing up for ⁠⁠⁠⁠Thrifty Traveler Premium⁠⁠⁠⁠ and get flight deals sent straight to your inbox. Use our promo code TSP to get $20 off your first year subscription.—---------------------------------------Shop:⁠⁠⁠⁠ Trip Itineraries ⁠⁠⁠⁠⁠&⁠⁠⁠⁠ ⁠Amazon Storefront ⁠⁠⁠⁠⁠Connect:⁠⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠⁠,⁠⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠⁠, and⁠⁠⁠⁠ ⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠and contact us at travelsquadpodcast@gmail.com to submit a question of the week or inquire about guest interviews and advertising. Submit a question of the week or inquire about guest interviews and advertising.Contains affiliate links, thanks for supporting Travel Squad Podcast!

If Spencer commissioned today, at 22 years old with everything he learned from 12 years on active duty, what would he actually do with his money? A listener on Instagram asked exactly that, and this episode is the answer: a 13-point playbook for brand new officers and enlisted servicemembers, from your first bank account to the books that will shape your investing philosophy. Plus why "borrow the Career Starter loan and invest it" is less of a no-brainer than the internet claims, and why achieving financial independence might be the worst thing that ever happens to you. Questions Answered If you were starting over as a new military officer, what would you do differently? Should you take the Career Starter loan and invest it? How much should a new servicemember contribute to the Roth TSP? Which lifecycle fund should you pick when you first create your TSP account? How big should your emergency fund be when you're just getting started? How do you change your state of legal residency to a no income tax state? What savings rate is reasonable without sacrificing your 20s? Whose financial advice can you actually trust as a new servicemember? What books should every new officer or enlisted member read? Main Topics Covered The 5-step quick start: military-friendly bank, emergency fund in a HYSA, 5% into Roth TSP, pay off debt, build your savings rate Everybody has an angle: how to filter advice from senior NCOs, Facebook TSP-timing groups, and finance influencers (including Spencer's own credit card affiliate incentive) Why "you gotta buy real estate every PCS" advice may not survive 6-7% interest rates Career Starter loan math: borrowing and investing $36,000 vs. just investing the payments, over 5 years and 40 years Roth TSP setup, the 24-month wait for the 5% match, and the Lifecycle 2075 fund Opening a Roth IRA at Schwab, Fidelity, or Vanguard and starting with VT (Vanguard Total World Stock ETF) LADS investing: low-cost, automated, diversified, simple, and why bonds can wait until your 40s Emergency fund milestones: $1,000, then $5,000, then $10,000 Changing your state of legal residency with DD Form 2058, the 8 no income tax states, and home of record vs. state of legal residency Sustainable savings rates: the ski trip Spencer still regrets skipping as a lieutenant Why financial independence can leave you lost if you sacrifice relationships and experiences to get there Turning your commute into a financial education with podcasts and audiobooks The military financial order of operations, step by step Books Mentioned The Military Money Manual: A Practical Guide to Financial Freedom by Spencer Reese (Amazon or shop.militarymoneymanual.com) I Will Teach You to Be Rich by Ramit Sethi The Psychology of Money by Morgan Housel The Simple Path to Wealth by JL Collins The Little Book of Common Sense Investing by John Bogle A Random Walk Down Wall Street by Burton Malkiel Die With Zero by Bill Perkins Money for Couples by Ramit Sethi Resources Mentioned Free Ultimate Military Investing Course: militarymoneymanual.com Military Financial Order of Operations: militarymoneymanual.com/foo r/MilitaryFinance on Reddit (50,000+ members) and the Military Money 101 prime directive flowchart TSP: tsp.gov myPay for TSP contributions and LES DD Form 2058 (change of state of legal residency) Military-friendly banks: USAA, Navy Federal Credit Union, PenFed 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 24,000 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 Chase Sapphire Reserve® Card. 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 talk about our projects, including fleece preparation and spinning. Kelly questions Marsha's plans for a sweater from longwool. What do you all think? What should Marsha do with the not quite 700 yards of yarn that didn't come out the way she planned? Full notes with photos and links can be found in the podcast section of our shop website: TwoEwesFiberAdventures.com Join the community on Ravelry or become a patron and support the show on our Patreon Page. Subscribe on Apple Podcasts or Subscribe on Android. It's July, but there is still time to participate in our  June Survey on sourcing yarn, fiber, and supplies. Marsha's Projects Compass Moon Creations: Finished! About 500 yards of about DK or worsted from 10 ounces of merino in a blue/green. Realized that when pulling from inside and outside, one single ends up with more twist. Harder to spin. Sheridan Flats Spinning: Finished! Purchased 24 oz of 80/15/6 wool/mohair/silk roving in the colorway Kaleidoscope. The owner said to spin at a worsted weight for best results. Mill is Olympic Yarn & Fiber located in Cosmopolis, WA. I was really surprised that I ended up with only about 650 yards of worsted weight yarn. I overplied the first skein but ran it through my wheel and took out a lot of the twist. Looks and feels so much better. Trillium Lake by Kay Hopkins: Using Queensland Collection Coastal Cotton Fine. I'm getting close to finishing. Putting in the purl rounds of hen and then will bind off. The sleeves should go quick as there are just a few rounds of stockinette and then ribbing Mellow Mood Top: by Julia Piro. Using Queensland Collection Eco Twist in the colorway Crimson Canyon. Socks: Using Madeline Tosh sock in the colorway Plum Tree. Silver Bags: Sewing bags with pacific cloth to protect silver. Sounds posh.

Is hiring a person still your default answer to a problem? For a growing number of startups, it shouldn't be.In this episode, Yaniv Bernstein is joined by returning guest Matt Cook, co-founder of Scouut, one of Australia's most respected engineering recruiters for early-stage startups, to unpack what's changed in engineering hiring since Matt's last visit. They cover ‘team debt' (the AI-era sequel to tech debt), why AI is acting as an appetite suppressant for headcount, why the best engineers are now worth $400K+, and why the ‘software factory builder' is becoming the most sought-after hire in tech.In this episode, you will:Understand "team debt", and why teams built to solve today's problems are already becoming obsoleteLearn why "removing the crutch" (like scrapping a QA gating function) forces the kind of AI-native change that timid, incremental adjustments never willDiscover why most startups were already overstaffed before AI, and why AI now acts as an ‘appetite suppressant' for hiring rather than just an efficiency toolHear why hiring should now be treated as a last resort, and what that actually means in practice for foundersUnderstand why compensation banding and headcount-based budgeting are breaking down, and what smart companies are replacing them withLearn about the rise of the ‘software factory builder': the rare, highly-paid engineer who uses their judgment to build airtight, AI-based infrastructure the rest of the team can lean onTimestamps00:00 Coming Up...00:58 On Today's Show: Matt Cook on 'Team Debt'02:36 What is Team Debt?05:12 Refocusing on AI Native Solutions10:40 Unlearning Old Hiring Ladders12:04 Why Companies Are Oversized14:59 AI, the 'Corporate Ozempic'19:25 Layoffs and Team Composition24:02 Disrupting Yourself at Series B28:12 The Salary Race for AI Engineers34:01 Limitations of Headcount Budgeting38:16 How Downsizing Can Help You Grow41:13 ClickUp's 'Hail Mary' Pivot44:26 Software Factory Builders and 'Forward Deployed' Automation49:14 Maintaining Safe Internal Software54:25 Closing ThoughtsResources mentionedScouut (Matt Cook's engineering recruitment firm for early-stage startups): https://scouut.com.au/Matt Cook on LinkedIn: https://www.linkedin.com/in/matthewmarkcook/ 'Corporate Ozempic' by Scott Galloway — the essay behind the AI/hiring analogy Yaniv references: https://www.profgalloway.com/corporate-ozempic/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 on YouTube for full video episodes: https://www.youtube.com/@startup-podcast Give 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/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/

The rules are changing. Make sure your retirement strategy changes with them. In this episode, federal retirement specialist Elizabeth Inman explains the important 2026 TSP changes federal and postal employees need to understand. She discusses updated contribution limits, age-based catch-up rules, Roth and Traditional TSP considerations, and the decisions that could have a lasting effect on your retirement income. Whether you are several years from retirement or preparing to leave federal service soon, this conversation will help you make more informed decisions and use your TSP as part of a coordinated retirement strategy. Do not wait until retirement paperwork is already underway to begin asking these questions. Understanding your options now can help you avoid missed opportunities and costly mistakes later. Learn more about federal retirement planning and educational resources from Federal Employee Benefit Coordinators at: www.FEBCnow.com This video is provided for educational purposes only and should not be considered individualized financial, tax, or legal advice. #FederalRetirement #TSP #ThriftSavingsPlan #FederalEmployees #PostalEmployees #RetirementPlanning #FEBC

We're taking you to the Walk Around Grand Tasting at the Puerto Rico Wine & Food Festival! The event is part of a 5-day culinary party with events hosted at the beautiful La Concha Resort and around different venues across San Juan. In this episode we break down ticket costs, food tasting, all the food & cocktails included and give an inside look at what the party is like: loud, fun & exciting!Continue your Puerto Rico trip beyond the festival:Download our ⁠5-day Puerto Rico itinerary⁠ and take the same trip we did when we went to the PRWFF - just make sure to double check festival dates!More Puerto Rico tours and things to do when you are in town for the festival.Find a great flight deal to San Juan 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!

Episode TitleOriginal Air Date: 07/08/26 Episode Number: 467Episode SummaryA full episode this week. Dan picks up the smoke smell series with fabric, carpet, upholstery, and the full cigarette smoke remediation process -- including the right primer and why it's step four, not step one. Then a long segment on painting in summer heat: surface temps vs. air temps, when to start, when to quit, how to chase the cool shade, bees on ladders, and the best products for the job. He closes with a cement truck taking out his power line, his electrician son saving the day, and a case for encouraging the next generation toward the trades.In This Episode[00:00] -- Show Intro and Teaser[01:16] -- Microwave Fire Story[04:27] -- Wash Smoke Out of Fabrics[06:22] -- Carpet and Upholstery Deodorizing[09:47] -- Cigarette Smoke Reality Check[11:15] -- Deep Clean and Remove Odors[15:00] -- Prime and Repaint Correctly[18:53] -- Heat Weather Painting Setup[19:28] -- Heat Lovers and Painting Risks[21:13] -- Heat Painting Is Fine[21:39] -- Air vs. Surface Temp[23:10] -- Hot Surface Failures[24:01] -- Start Early, Plan Your Walls[25:13] -- Chase the Cool Shade[26:34] -- Infrared Thermometer Hack[27:35] -- Quit Before the Dew[28:16] -- Heat Safety and Breaks[29:11] -- Bees and Ladder Panic[32:47] -- Treat Your Crew Right[33:46] -- Best Paint for Heat[35:27] -- Power Pole Chaos Story[37:32] -- Why Trades Matter[39:41] -- Wrap Up and EventsMicrowave Fire Story [01:16]Dan circles back to the microwave fire story from a couple weeks ago. His daughter put a cherry pit heating bag -- the kind you warm up in the microwave, no cords, homemade, probably acquired at a flea market in Shipshewana -- in for 20 minutes instead of two. Flames ensued. He hauled the microwave outside in his underwear at bedtime. Kids still love that story.He covered getting the smell off hard surfaces in episode 465 (find it at repcolite.com). Today he's picking up what he didn't have time for then: getting smoke smell out of fabrics.Wash Smoke Out of Fabrics [04:27]Fabrics act like odor sponges. After any kind of kitchen fire or smoke event, the first step is getting everything washable off the walls and into the machine -- curtains, slipcovers, throw blankets, pillows, towels, rugs if possible.No special detergent required. Start with regular laundry detergent and the warmest water the fabric can handle. Don't cram everything into one load -- the fabric needs room to move so the soap and water can actually pull the smoke residue out.The important rule before the dryer: do the sniff test. If it still smells smoky, wash it again. Don't dry it yet. Dryer heat can lock odors in and make them significantly harder to remove. Once it smells clean, then dry it.Carpet and Upholstery Deodorizing [06:22]For things that can't go in the washing machine, start by vacuuming thoroughly. Smoke leaves behind particles and residue that are physically sitting in the fibers. Vacuuming first gives you a better starting point before adding anything wet.From there, baking soda -- plain, unscented -- can help absorb and reduce odors. Sprinkle it on, let it sit overnight, then vacuum it up completely. Dan is cautious about the heavily scented carpet deodorizers because they can mask the problem rather than solve it.For tougher situations, OdoBan (O-D-O-B-A-N) markets products specifically for smoke odors that can be misted onto carpet and upholstery. It neutralizes rather than masks. Follow the label carefully, test a hidden spot first, and don't soak anything.If the smoke smell is light, baking soda or a fabric-safe neutralizer may be enough. If it's strong, actual carpet or upholstery cleaning may be necessary. And if the odor has gotten into the carpet pad or foam backing, surface treatments may only mask things temporarily -- in those cases, replacement may be the only real fix.Cigarette Smoke Reality Check [09:47]Cigarette smoke is the same problem as kitchen smoke, just dramatically worse. Instead of one event, you're dealing with months or years of buildup. Nicotine and tar accumulate on walls, ceilings, in carpet, drapes, cabinets, ductwork, insulation, and unfinished wood. It yellows paint. It gets into everything. It's a big job, and it has to be treated like one.Deep Clean and Remove Odors [11:15]Step 1: Remove what you can. Old curtains, old carpet, old blinds -- anything soft that's holding the odor. If it's reasonable to just pull it out and start fresh, that's usually the easier path. Don't try to rescue things that aren't worth the effort.Step 2: Wash everything down. Everything. Walls, ceilings, trim, doors, cabinets, closets, inside drawers, light fixtures, fan blades, switch plates, outlet covers. Anywhere smoke residue could have settled over years.The choice of cleaner depends on the goal. If you're trying to preserve the existing paint and avoid repainting, start mild -- warm water with Dawn dish soap, gentle enough not to damage the finish. Don't scrub aggressively. Don't soak the walls. Test anything stronger in a hidden spot first.If the odor is coming back after a mild wash, or if you've already decided to repaint, then you're not trying to save the old paint anymore. At that point, a degreaser or TSP substitute can come in. Still: follow the label, protect nearby surfaces, rinse thoroughly, and let everything dry completely before priming. Cleaner residue can cause problems just like smoke residue.Step 3: Replace HVAC filters. If the smell is heavy, it may be worth calling a duct cleaning company and asking specifically about their process for smoke-affected systems. Some use deodorizers or neutralizers after cleaning -- worth asking about before assuming they're not needed.Prime and Repaint Correctly [15:00]This is where most people go wrong. After cleaning, they roll on new paint and it looks and smells fine -- for a week. Then the stain and odor start coming back through.For cigarette smoke and nicotine, you need a true stain-blocking or odor-blocking primer after cleaning and before painting. A shellac-based primer like BIN is a reliable choice. RepcoLite Zip Prime is an oil-based option that will block smoke stains and water stains effectively. It cleans up with mineral spirits, but it gets the job done. It's on sale this month at RepcoLite and is available in spray cans -- which makes it a handy fix if you've got a few water damage spots on a ceiling you want to seal without breaking out brushes and rollers.Dan's caution on water-based stain blockers: they can work in some situations, but with heavy cigarette smoke and persistent odor, don't cut corners. Ventilate well and use the shellac or oil-based products that are built for this kind of problem.The full sequence for cigarette smoke:Remove what's holding the odorVentilate and filter the airWash and rinse all surfacesPrime with the right productPaintPrimer is step four, not step one. A lot of people skip straight to it and wonder why the smell keeps coming back.When to call a professional: if there was an actual fire (not just a small appliance incident), if there's visible soot beyond one small area, or if smoke got deep into the HVAC system, a restoration company may be the right call rather than DIY.Heat Painting Is Fine -- With the Right Approach [21:13]People ask constantly whether they can paint outside in summer heat. The answer is yes -- with conditions. The problems come from working like it's a 75-degree day in May when it's not.Air vs. Surface Temp [21:39]The most common mistake in hot-weather painting: looking at the weather app, seeing 88 degrees, checking the paint can and seeing a range up to 100 degrees, and assuming everything is fine.The number on the app is air temperature. Paint doesn't care about just air temperature -- it cares about the surface it's going onto. A wall or siding that's been baking in direct sun can run 15 to 20 degrees hotter than the surrounding air. The app says 88, the south wall could easily be 105 or 110. That's the number that matters.Hot Surface Failures [23:10]Paint applied to an overheated surface dries almost the instant it touches. That sounds fast and convenient. It's not. You can't blend edges before they set, so you get lap marks -- visible streaks where one pass overlaps the next. The paint can bubble or blister. And the bigger problem: it doesn't get the chance to bond properly to the surface. A job that looks fine in July can start letting go within a year or two, or faster, because the adhesion was compromised from the start.Start Early, Plan Your Walls [24:01]In extreme heat, start early -- but not before the dew has burned off. A damp surface is a problem too. The rule: start early, but only after the surface is fully dry.Once you start, be strategic. If one side of the house is going to get hit by sun first, and it's still cool, that may be the place to begin --...

This week Roger talks about one of the biggest challenges retirees face today: information overload. He explains why more information doesn't always lead to better decisions and why building a great retirement starts with focusing on what matters most to you. In the Retirement Toolkit, Roger unpacks stepped-up cost basis, covering how it works, when it matters, and how it can become a valuable estate planning tool. Along the way, he answers listener questions on retirement income strategies, cash reserves, government retirement accounts, and how to create a retirement plan that's both practical and personal. OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) Roger discusses how information overload can make retirement planning feel overwhelming and explains why simplifying your focus leads to better decisions.RETIREMENT TOOLKIT(08:20) Roger breaks down stepped-up cost basis, explaining how inherited assets receive a new tax basis at death, which assets qualify, how the rules differ for spouses, and how this strategy fits into estate and retirement planning.LISTENER QUESTIONS(21:20) Mike asks whether adding a whole life insurance policy is an effective retirement income strategy. Roger explains why it's important to build a retirement plan first before evaluating insurance products and discusses situations where whole life may or may not make sense.(32:00) Allison asks about the federal TSP's pro-rata withdrawal rules and whether rolling funds to an IRA would make a bucket strategy easier to implement.(34:13) Steven asks how much cash to have available before retirement. Roger shares his approach for building a five-year spending reserve while balancing flexibility and sequence-of-returns risk.(39:56) Tom asks whether to model retirement spending using flat nominal dollars or adjust for inflation and the retirement spending smile. Roger explains why retirement plans should reflect personal spending goals rather than population averages.SMART SPRINT(47:00) Roger encourages listeners to filter information through their own priorities, remembering that general advice is only valuable if it applies to their unique situation.REFERENCESSubmit a Question for RogerSign up for The NoodleNote: The opinions expressed are for informational purposes only and should not replace personalized advice from licensed professionals.

Which acronym tripped you up the longest — FERS, FEGLI, SRS, or MRA? Drop it below

We're taking you along on our 6 day trip to Puerto Rico for every mojito, empanada, and beach. We share our honest opinions about Puerto Rico's vibrant culture, beautiful architecture, and local beaches. We cover where to stay, what to eat, driving tips, how much the trip cost, our experience at the Puerto Rico Wine & Food Festival, and plenty of recommendations to help you plan your own Caribbean getaway without needing a passport.You can download our 5-day Puerto Rico itinerary and take this exact same trip.Episode Highlights:How to get to Puerto Rico as a U.S. travelerTransportation, driving, parking, and money saving travel tipsWhere to stay in San Juan and what made our resort experience specialExploring Old San Juan, El Morro, La Perla, and colorful colonial streetsVisiting the Puerto Rico Wine & Food FestivalBoat excursion to Culebra Island and relaxing at Flamenco BeachLuquillo Beach, Playa Buyé, Domes Beach, Crash Boat Beach, and PonceOur favorite Puerto Rican food, cocktails, and restaurants from the tripHotels in Puerto Rico we recommend:La Concha Resort - Where we stayed here. The location is great with plenty of bars and restaurants in walking distance, just 15 minutes from the airport, Condado Beach is stunning and the resort has many great amenities.The Royal Sonesta - Swim up bar!Caribe Hilton - Huge pool and big balconies overlooking the ocean.Check out our Puerto Rico tours and things to do in our Viator shop.Find a great flight deal to San Juan 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!

Which term always messes with you — effective tax rate, backdoor Roth, cost basis, or RMDs? Write it below

Psalm 92:14 says of the righteous, “They still bear fruit in old age; they are ever full of sap and green.” That's a beautiful picture of faithfulness across every season of life. And it gives us an important reminder: when it comes to retirement, Scripture invites us to think beyond escape. For many people, retirement is pictured as the finish line. Work hard, save diligently, invest wisely, and one day you'll finally arrive at a season of leisure—no alarm clocks, no deadlines, no demands. And after decades of work, rest is a good gift. There's nothing wrong with enjoying a slower pace, spending more time with family, traveling, or having more flexibility in your schedule. But Scripture gives us a deeper vision for our later years. Retirement may change the rhythm of our lives, but it does not end our calling as stewards. When Retirement Feels Disorienting Many people reach retirement and find themselves asking, “Now what?” Without the familiar structure of work, the transition can feel surprisingly difficult. For years, your calendar, responsibilities, relationships, and even your sense of purpose may have been shaped by your vocation. When that changes, it can feel like something has been lost. But in God's kingdom, no season is wasted. Retirement may bring changes in schedule, income, health, energy, and responsibility. But it also brings new opportunities to serve, invest in others, and bear fruit in ways that may not have been possible during busier working years. That's why the question is not simply “What am I retiring from?” The better question is, “What am I now free to do for the glory of God?” Moving From Labor to Legacy We see a helpful picture of this in Numbers 8. The Levites were instructed to begin their service in the tabernacle at age 25 and then transition at age 50. But they didn't stop serving altogether. They stepped back from certain forms of labor, but they continued to assist and minister to their brothers. In other words, they didn't retire from purpose. They moved from labor into legacy. That's a helpful way to think about our later years. As we age, certain types of work may no longer be possible. Energy changes. Capacity changes. Responsibilities change. But our purpose in God's kingdom does not expire. The same hands that once built, typed, managed, served, or led can now mentor, teach, encourage, pray, and support. The same heart that once poured itself into a career can now pour itself into people. Maybe that means volunteering with a ministry that reflects your passions. Maybe it means mentoring young professionals or young parents. Maybe it means serving more faithfully in your church, caring for aging parents, helping with grandchildren, or simply being more available to encourage others. Whatever the expression, the heart of stewardship remains the same: offering your time, wisdom, experience, and resources for the glory of God. Faithful Presence Matters Think of Simeon and Anna in Luke 2. Both were advanced in years, and yet both were living with expectancy and devotion. Simeon was righteous and devout, waiting for the consolation of Israel. Anna worshiped with fasting and prayer, night and day. Their lives remind us that faithful presence is a powerful gift. God does not retire His servants. He repurposes them. That does not mean retirement has to be frantic or overfilled. This is not about proving your value through constant activity. In God's economy, usefulness is not measured by productivity, but by faithfulness. That's a word many of us need to hear. Our culture often measures significance by title, output, income, and visible achievement. But God sees differently. He sees the quiet prayer, the faithful encouragement, the wisdom shared across the table, the hospitality, the generosity, and the steady presence in the life of a child, a neighbor, a church member, or a younger believer. Those things may not always make headlines, but they matter deeply in the kingdom of God. Stewarding the Freedom Retirement Brings If you're approaching retirement, one of the wisest questions you can ask is not merely “What am I done with?” but “What am I now free to do?” And if you're already retired, perhaps today is an opportunity to revisit that question. What experience has God entrusted to you? What wisdom has He formed in you? What time do you have now that you didn't have before? What relationships could be strengthened? What people could be encouraged? What ministry could be supported? Those are not leftovers. They are stewardship opportunities. Retirement may look different from your working years, but it is no less important. In fact, it may become one of the most spiritually rich chapters of your life if you choose to steward it well. So don't simply retire from something. Retire to something. Retire to deeper fellowship with Christ. Retire to greater availability for others. Retire to prayer, encouragement, generosity, service, and wisdom. Retire to a life that continues to bear fruit. Our Ultimate Treasure Our devotional, Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship, is designed to help you slow down, open God's Word, and consider what it means to treasure Christ above all else in every season of life. You can place your order today at FaithFi.com/Shop. And if you'd like to go through it with your church or small group, we offer bulk discounts. On Today's Program, Rob Answers Listener Questions: I'm retiring from my government job on July 31 and have money in the TSP. Should I leave it there, roll it into a traditional IRA, or consider a Roth IRA? I'd also like to take some cash out for home repairs. What's the wisest way to handle this? A few months ago, the company managing my retirement fund had a data breach, so I signed up for two years of free monitoring through Kroll. Now my bank has notified me of another breach and is offering 12 months of free monitoring through CyEx. Is CyEx reputable, and is it okay to have two different monitoring services at the same time? I lost my job yesterday after nearly 10 years. I'm 70 and already receiving Social Security, while my wife is 64 and not yet eligible for Medicare. I have a 401(k) and stock share accounts from my former employer, along with a rollover IRA I opened years ago. Given our income and health insurance situation, should I roll those accounts into my existing IRA? I own some individual stocks that are essentially worthless. I placed a sell order at about half a cent, but no one is buying. What should I do with these shares, and how can I properly document the loss for tax purposes? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Christian Healthcare Ministries (CHM) Healthcare.gov AnnualCreditReport.com | Credit Karma 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 weekday 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.

Every startup pitch deck has a "why now" slide. Most of them are nonsense, barely considered, and only there to tick a box.But timing is more than a slide, it can make or break a company. It's the difference between pets.com and the trillion-dollar company selling the exact same idea a decade later.In this episode, Yaniv Bernstein sits down with Paul Orlando, who has built four startup accelerators supporting over 300 companies, including Hong Kong's first accelerator and a program in Rome run in partnership with the Vatican, and has taught entrepreneurship at USC for over a decade, where he also runs one of LA's largest startup incubators. Paul has spent years obsessing over a single question: why do some ideas succeed while near-identical ones fail years earlier? The answer became his book, ‘Why Now? How Good Timing Makes Great Products.'In this episode, you will:Learn Paul's framework of timing drivers, and the five that show up again and again: technology, social/behavioral change, regulation, installed base, and crisisWalk through the YouTube case study in detail to see how broadband penetration, digital camera adoption, and falling storage costs converged to make 2005 the right year, after the identical idea failed less than a decade earlierDiscover why first-mover advantage is much narrower than founders assume, and the two specific conditions (locking in customers, locking out competitors) required for it to actually workGet a framework for balancing founder agency against timing, because you can't will your way into good timing, but you also can't wait passively for the perfect moment to arriveTimestamps00:00 Coming Up...01:04 On Today's Show: Why Timing Matters01:44 Guest Intro: Paul Orlando02:42 Is 'Why Now' Predictable?05:40 Paul's Timing Drivers Framework08:44 Case Study: YouTube's Market Timing11:47 Business Model Shifts15:16 Case Study: Pets.com Unit Economics22:16 Case Study: AI Vibe Coding24:11 What Are 'Sleeping Beauty' Startups?27:46 Incorporating AI into Timing Drivers28:52 Collapse of Build Costs33:34 Case Study: Vera and Unit Economics of Voice35:15 False 'Why Now' Risks37:46 First Mover Reality40:33 Reid Hoffman on Blitzscaling41:49 Case Study: AT&T's Picturephone and Mobile Telephony46:31 Lessons on Failure and Agency54:09 Closing ThoughtsResources mentioned'Why Now?: How Good Timing Makes Great Products' by Paul Orlando: https://www.amazon.com/Why-Now-Timing-Makes-Products/dp/B0CYXSNMT3Paul's website, Startups Unplugged: https://startupsunplugged.comPaul on LinkedIn: https://www.linkedin.com/in/porlandoPaul on X/Twitter: https://twitter.com/porlandoThe 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/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/

In this episode we answer emails from Joe, Ashley, and Chris.  First, we celebrate the early retirements and generosity of our listeners, spotlighting what retirement feels like when it is driven by joy and choice instead of fear. Then we answer a near-retirement question about bubble warnings, international investing, the proper way to use expert opinions, and how to build a risk parity style portfolio that can survive drawdowns and fund withdrawals.  With the help of Claude. And we discuss our Top of the T-shirt Campaign (Part Deux!) for the Father McKenna Center.And THEN we our go through our weekly portfolio reviews of the eight sample portfolios you can find at Portfolios | Risk Parity Radio.Additional Links:Father McKenna Center Donation Page (please mention Risk Parity Radio in the comment section with your donation):  Donate - Father McKenna CenterYours Truly on Jesse Cramer's Podcast:  Are You Hoarding, Hustling, or Harvesting in Retirement? - E144Video Summary Version:  The Harvesting Imperative: Structuring Retirement Around Well Being, Not MoneySlide Show Summary Version:  Jesse Cramer Presents The Three H's.pdf - Google DriveVideo Summary of RPR Episode 508:  RPR Episode 508 Illustrated: The Three H's of RetirementJeremy Grantham on the Long-View (forward to minute 42 for his diversification recommendations):  Jeremy Grantham ‘Almost Everything Looks More Attractive Than the US Equity Market' - YouTubeMichael Batnick (not Josh Brown!) Critique of CAPE Ratio-Based "Predictions":  Stocks Are More Expensive Than They Used to BeBreathless Unedited AI-Bot Summary:You can do everything “right” for decades and still blow up retirement by making one mistake at the wrong time: heading into the drawdown years with a stock-heavy portfolio and no ballast. We kick off with a listener note that hits the best part of financial independence, retiring at 45 with true optionality and a plan built around joy instead of restriction. That story opens a bigger question: what is money for once you've already proven you can save it?We dig into the psychology of harvesting wealth and the practical realities of sequence of returns risk, especially in the five years before and after you stop working. We talk about spending that actually improves well being, including relationships, experiences, buying back your time, and giving, plus why so many high savers get stuck in hoarding or hustling modes. Along the way, we share updates on the Father McKenna Center and how listener generosity turns portfolio talk into real-world impact.Then we tackle a timely investing worry: bubble warnings and Jeremy Grantham's cautions around US equities and AI hype. We break down why opinion shopping is a dead end, why growth vs value diversification matters more than US vs international for drawdown safety, and how funds like long-term Treasuries, gold, and managed futures show up in resilient risk parity style portfolios such as the Golden Butterfly and Golden Ratio. We also cover TSP international limitations, plus our weekly portfolio reviews and July withdrawal amounts. If you found this useful, subscribe, share it with a friend who is near retirement, and leave a review so more DIY investors can find us.Support the show

On this week's Just The Tip we're taking you on a quick journey through 5 magical spots in the Pacific Northwest. From secret beaches and misty rainforests to glacier-carved peaks and waterfall hikes, this episode is packed with jaw-dropping nature, hilarious travel mishaps, and must-visit gems in Washington, Oregon, and Idaho. Perfect for road trippers, nature lovers, and weekend wanderers.PNW hotels we recommend:Brookings, OR - Hotels: ⁠Beach Front Inn⁠ or ⁠Ocean Suites Hotel ⁠North Cascades National Park - ⁠North Cascades Inn⁠, ⁠Mt. Baker Hotel⁠ or ⁠Washington Itinerary⁠, or ⁠North Cascades National Park Episode⁠Boise, Idaho - ⁠The Avery Hotel⁠ or ⁠Hotel Renegade⁠Silver Falls State Park, OR - ⁠The Grand Hotel⁠ or ⁠Holman Riverfront Park Hotel⁠Hoh Rainforest, Olympic National Park - ⁠Red Lion Hotel Port Angeles Harbor⁠ or ⁠Aircrest Motel⁠A few other resources to help your trip planning:⁠North Cascades National Park Episode⁠⁠Boise Episode⁠⁠Oregon Waterfalls Episode ⁠⁠Oregon Waterfalls Itinerary⁠⁠Olympic National Park Episode⁠⁠Washington Itinerary⁠Find a great flight deal to The Pacific Northwest, or anywhere else, by signing up for ⁠⁠⁠⁠Thrifty Traveler Premium⁠⁠⁠⁠ and get flight deals sent straight to your inbox. Use our promo code TSP to get $20 off your first year subscription.—---------------------------------------Shop:⁠ Trip Itineraries ⁠⁠&⁠ ⁠Amazon Storefront ⁠⁠Connect:⁠ ⁠YouTube⁠⁠,⁠ ⁠TikTok⁠⁠, and⁠ ⁠Instagram⁠⁠⁠⁠ ⁠⁠and contact us at travelsquadpodcast@gmail.com to submit a question of the week or inquire about guest interviews and advertising. Submit a question of the week or inquire about guest interviews and advertising.Contains affiliate links, thanks for supporting Travel Squad Podcast!

The good news about your Thrift Savings Plan for June, only two funds saw month over month drops. As for the other funds, 13 of 14 experienced minimal growth of less than one percent from May to June. The big winner last month was the S fund with a growth rate of 4.34%. The S fund also remains the top performing TSP account for all of 2026, increasing by more than 18%. The "I", C and eight of nine L funds also continue to bring back double digit returns since January.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Can AI tell you when to claim Social Security? A chatbot may be able to explain age 62, full retirement age, delayed credits, or the earnings test. But it may not understand your FERS pension, your spouse's future income, your TSP plan, your tax picture, or your survivor planning needs. 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!   If you are wondering what you should be doing before and immediately after your federal retirement date - grab your copy of our guide today - https://zurl.co/1oIzt 

1. High-3 & step increases — a step increase only lifts your High-3 for the time you're actually in it (stay ~3 years for full credit)2. TSP allocation — does it match your goals? Start taking risk off the table ~3 years out if you'll need the money for income3. Buy back your military / pre-1989 temp time — file SF-3108 now; it takes 6–9 months and must be done before you retire4. TSP catch-up & the age 60–63 super catch-up — are you on pace to max it before year-end?5. The survivor benefit election — the one-and-done decision couples keep putting offPlus the non-financial one most people miss: what are you retiring TO?Get the Mid-Year Check-In Checklist:https://perspectivefunnel.co/682642d22275ec003bfa6626/6a445b182446fd510fd3af9b/Apply for a Retirement Consultation:https://perspectivefunnel.co/682642d22275ec003bfa6626/691df07396253e003c42b434/?ps_hello=Get the Digital Federal Retirement Guidebook:https://cdfinancial.org/being-a-federal-employee-book/Subscribe for Weekly Federal Retirement Planning Content:https://cdfinancial.com/newsletterWe're halfway through 2026 — the moment most federal employees realize they set goals in January and haven't looked since. If you're within five years of federal retirement, this is your mid-year check: five things to review NOW, not in December, so a small move today keeps your retirement on track.Some of these can't be fixed at the last minute — a military buyback alone takes 6–9 months. Run them at the halfway mark and you stay in control.━━━━━━━━━━━━━━━FEDERAL RETIREMENT RESOURCES━━━━━━━━━━━━━━━Thrift Savings Plan (Official):https://www.tsp.gov/OPM — Military Service Credit / Deposits (SF-3108):https://www.opm.gov/retirement-center/fers-information/creditable-service/OPM — FERS Survivor Benefits:https://www.opm.gov/retirement-center/fers-information/survivor-benefits/━━━━━━━━━━━━━━━TIMESTAMPS━━━━━━━━━━━━━━━0:00 Halfway Through 2026 — Are You On Track?0:33 #1 Step Increases & Your High-31:08 TSP Allocation vs. Your Goals1:48 #2 Buy Back Your Military Time (SF-3108)3:24 #3 The TSP Super Catch-Up (Ages 60–63)4:40 #4 The Survivor Benefit Conversation6:30 #5 What Are You Retiring TO?7:28 Watch Next: You Don't Have to Work Longer━━━━━━━━━━━━━━━WHO WE ARE━━━━━━━━━━━━━━━CD Financial helps federal employees and retirees make smarter retirement decisions around FERS, TSP, FEHB, Medicare, survivor benefits, and retirement income planning. Our mission: help federal employees retire with more clarity, confidence, and peace of mind. Subscribe for practical federal retirement planning content — where health meets wealth.━━━━━━━━━━━━━━━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 is not financial, legal, tax, healthcare, or investment advice. TSP limits, catch-up amounts, and federal rules change yearly and depend on your individual service history. Always verify current figures at TSP.gov and OPM and consult qualified professionals before making elections.Opinions expressed are solely those of CD Financial. Information herein is derived from sources believed reliable but is not guaranteed as to accuracy or completeness. All ideas should be discussed with your individual adviser prior to implementation.#FederalRetirement #FERS #TSP #SurvivorBenefit #RetirementPlanning #CDFinancialSupport the show

In this episode, we share the whirlwind 3-day journey through the stunning South of France! We explore the vibrant streets of Nice, get lost in the winding medieval alleyways of Eze Village, and relax by the colorful coastline of Villefranche-sur-Mer. We're sharing the best pharmacy skincare to buy, beach clubs to hang at, and places to eat on a French Riviera escape + giving some tips for navigating medical emergencies while in the area.Nice hotels we recommend:⁠Hotel Splendid⁠ - Central location near the train station and beach ⁠Mercure Hotel⁠ - Good location near the waterLet this episode be a lesson…don't forget your ⁠travel insurance!⁠Check out our curated list ⁠South of France Experiences⁠ for all the tours and activities we recommend in the French Riviera.Find a great flight deal to the South of France, or anywhere else, by signing up for ⁠⁠⁠Thrifty Traveler Premium⁠⁠⁠ and get flight deals sent straight to your inbox. Use our promo code TSP to get $20 off your first year subscription.—---------------------------------------Shop:⁠⁠⁠ Trip Itineraries ⁠⁠⁠⁠&⁠⁠⁠ ⁠Amazon Storefront ⁠⁠⁠⁠Connect:⁠⁠⁠ ⁠YouTube⁠⁠⁠⁠,⁠⁠⁠ ⁠TikTok⁠⁠⁠⁠, and⁠⁠⁠ ⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠and contact us at travelsquadpodcast@gmail.com to submit a question of the week or inquire about guest interviews and advertising. Submit a question of the week or inquire about guest interviews and advertising.Contains affiliate links, thanks for supporting Travel Squad Podcast!

Advertiser Disclosure: This video may contain links through which we are compensated when you click on or are approved for offers. The information in this video was not provided by any of the companies mentioned, and has not been reviewed, approved, or otherwise endorsed by any of these entities. All opinions, analyses, and recommendations are the author's alone, not those of any bank, credit card issuer, airline, or hotel chain. Military Money Manual may receive compensation from JPMC. Spencer joins the Foxhole to talk about something most veteran benefit conversations skip: what happens when you take those benefits outside the United States. A former Air Force C-17 pilot now living in New Zealand, Spencer shares hard-won lessons on collecting VA compensation abroad, navigating overseas healthcare, stretching the GI Bill, and the realities of immigration and quality of life beyond the U.S. border. Topics Covered Spencer's background: Air Force ROTC, flying the C-17 for 10 of 12 active-duty years, and leaving at the 12-year mark without a 20-year pension How militarymoneymanual.com started and the military's unique investing culture The TSP, Roth IRA, and the "triple tax benefit" of contributing while deployed in a combat zone Collecting VA disability compensation anywhere in the world via direct deposit and foreign bank accounts Using the Wise app for low-cost currency conversion and multi-currency accounts (vs. the old daily-ATM-withdrawal trick) The limits of VA healthcare overseas and the frustrations of scheduling from abroad Using AI tools and VA chatbots to help with disability claims (and a caution about predatory claim firms) GI Bill benefits at overseas universities, including OCONUS BAH and host-country student stipends What healthcare actually costs abroad: New Zealand's public/private systems, plus cash-pay care in Thailand, the Philippines, and Vietnam Residency and immigration pathways: EU citizenship by ancestry, New Zealand's investor visa, marriage, the student-visa route, and Germany for retired U.S. military The case for trying before committing: rent an Airbnb and live somewhere for a month or two first Quality of life abroad vs. the U.S. — social safety nets, lower "hustle culture," and Spencer's observations on trust and anxiety back home Resources Mentioned Military Money Manual community app — launching in beta; coming to the Apple App Store and Google Play Instagram — @militarymoneymanual Wise app — currency conversion and multi-currency banking The Military Guide to Early Retirement and Financial Independence by Doug Nordman The Military Wallet by Ryan Guina The Golden Albatross by Grumpus Maximus — on evaluating defined-benefit pension "cliffs" Bogleheads — the simple, low-cost, automated investing philosophy Spencer follows va.gov and the VA mobile app — for tracking claims and updating your address GI Bill — Chapter 33 vs. Chapter 35 considerations for overseas study TSP, Roth IRA, USAA — referenced throughout ACC (Accident Compensation Corporation) — New Zealand's no-fault accident coverage 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 24,000 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 Chase Sapphire Reserve® Card. 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. Offers may be expired: Offers, rates, fees, and benefits are subject to change and may have ended since this video was published — please verify the current terms on the issuer's official website before applying. Terms apply, and all cards are subject to credit approval. Any comments below are from individual users and are not provided, reviewed, approved, or endorsed by any issuer.

Our Summer Spin In is in full swing and we have project updates. Plus garden talk including tomatoes! Take our  June Survey on sourcing yarn, fiber, and supplies. Full notes with photos and links can be found in the podcast section of our shop website: TwoEwesFiberAdventures.com Join the community on Ravelry or become a patron and support the show on our Patreon Page. Subscribe on Apple Podcasts or Subscribe on Android. Marsha's Projects Wabi Sabi Tee by Katia: Finished! Used Concept by Katia Wabi Sabi. I purchased the yarn in Oaxaca, Mexico. Trillium Lake by Kay Hopkins: Using Queensland Collection Coastal Cotton Fine. Knit about 8" of the body and completed the increases. Socks: Using Madeline Tosh sock in the colorway Plum Tree. Oaxaca Journey Bag: by Araceli Gonzalez. Using Prado de Lana. Compass Moon Creations: Spinning 10 ounces of merino in a blue/green. Finished first can and have 200 yards of sport to DK weight. Finished spinning the singles and now need to ply. Sheridan Flats Spinning: Purchased 24 oz of 80/15/6 wool/mohair/silk roving in the colorway Kaleidoscope. The owner said to spin at a worsted weight for best results. Mill is Olympic Yarn & Fiber located in Cosmopolis, WA. Plied three singles but somehow I over plied it.  Silver Bags: Sewing bags with pacific cloth to protect silver. Sounds posh.

You've done all the research, implemented every startup strategy you could find, but your product just isn't selling. Where do you start looking for the problem? And how do you identify and implement the solution?In this episode, Yaniv Bernstein sits down with Rob Snyder – serial founder, fellow at Harvard Innovation Labs, operating partner on the venture side, and now author of 'The Power of PULL' – to discuss why most founders have fundamentally misunderstood demand, and how to accurately pinpoint it. In this episode, you will:Understand why pain points and problems alone are not demand, and why customers can have them indefinitely without ever buying anythingLearn the PULL framework (Project, Unavoidable, List of options, Limitations): the four conditions that must all be present before a customer will rip a product out of your handsHear how startup Ruby went from 10 nodding sales calls with no closes to rapid growth, simply by identifying the specific moment when their ICP's project became truly unavoidableGet Rob's two-step pull-based sales script: how to get a prospect to monologue their own pull framework back at you, and how to pitch in a way that fits their world rather than your visionTimestamps00:00 Coming Up...00:51 On Today's Show: Rob Snyder on When Sales Works03:24 Why 'Demand' Is More Than Pain05:51 What Are Other Frameworks Missing?12:36 'Vitamins vs. Painkillers' 16:12 What is the PULL Framework?21:07 Case Study: Data Migration (Ruby)26:04 Case Study: Fundraising (Campground)29:11 Where Interviews Go Wrong35:19 Practice Exercise: Rob Sells Yaniv The Book40:14 Debrief: Why Listening Wins42:48 How to Spot Real Buying Signals43:58 Reverse Engineering Fast Deals47:58 Founder Mindset and Sanity50:54 Closing Thoughts: "Get Out Of The Building"Resources in this episodeThe Power of Pull by Rob Snyder: https://www.amazon.com/Power-Pull-Customer-Successful-Founders/dp/1541705955Rob's website: https://www.robsnyder.orgRob on LinkedIn: https://www.linkedin.com/in/rsnyder1Rob's Substack, 'The Physics of Startups': https://thephysicsofstartups.substack.comEric Ries's TSP episode: https://youtu.be/HQ7cP1lGyiM April Dunford's TSP episode: https://youtu.be/QC4cKxlW81sMark Roberge's TSP episode (also discusses product-market fit): https://youtu.be/j_UeeEn7p9o 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 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/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/

Las Vegas is the pool party capital of the world! With so many options to swim, dance, and enjoy the day clubs, who knows where to start?! In this episode we share some of the best day clubs in Las Vegas, dress codes, how to get in for free, and what to expect from music to vibes to drinks and costs.The hotels in Las Vegas and their pool parties we recommend:Fontainebleau Las Vegas - LIV BeachCaesars Palace - Omnia DayclubThe Cosmopolitan of Las Vegas - Marquee DayclubEncore Las Vegas - Encore Beach ClubMGM Grand Las Vegas - Palm Tree Beach ClubThe Venetian Resort Las Vegas - TAO Beach DayclubARIA Resort & Casino - Liquid Pool LoungeCirca Resort & Casino - Stadium SwimResorts World Las Vegas - AYU DayclubVirgin Hotels Las Vegas - Kassi Beach HouseMandalay Bay Resort and Casino - Daylight Beach Club Encore Las Vegas - XS Night Swim (night pool party)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, 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!

Investigative journalists Mandy Matney and ⁠Liz Farrell⁠ dig into the spectacular self-destruction of Weldon Boyd's case against attorney Mark "the Tiger" Tinsley—the wannabe blueberry farmer who sued the lawyer representing the family of the man he killed. Spoiler: Judge Hyman tossed it. We walk through the June 10 hearing, Desa Ballard's baffling "declaratory judgment" demand, and the question nobody could answer: what exactly are we trying to remedy here?Then there's Ken Moss's bizarre motion to recuse Judge Eugene Bubba Griffith, built on a mysterious affidavit he refuses to produce—and a subpoena aimed straight at LUNASHARK®...?Plus: Mandy reports back from her Spartanburg contempt hearing, where Greg Parker's attorneys want her to pay hundreds of thousands of dollars - we think - to a gas-station billionaire. We're broadcasting all four hours Thursday, June 25th at noon on Facebook - watch it with us or catch the replay only on LUNASHARK® Premium afterward.Let's Dive In…

Jim and Chris discuss listener emails on delayed Social Security credits, annuity provider ratings, DIA versus QLAC income planning, and fixed indexed annuity (FIA) recommendations. (10:30) A listener shares a long delay in receiving additional Delayed Retirement Credits on their Social Security benefit and asks whether there are any further steps to take or whether patience is the best option. (26:00) Another listener passes along Kiplinger reader survey results on annuity providers and asks whether the information may be useful in a broader discussion about choosing an insurance company. (45:00) The guys are asked when a deferred income annuity (DIA) might be better than a qualified longevity annuity contract (QLAC) inside an IRA, especially given the potential RMD and tax advantages of a QLAC. (1:15:45) Jim and Chris respond to a listener nearing retirement who was advised to move TSP G Fund money into a fixed indexed annuity (FIA) and wants to understand whether that is better than keeping the funds in the TSP and using a withdrawal strategy. The post Social Security, Annuities, Income, Annuities: Q&A #2625 appeared first on The Retirement and IRA Show.

We're taking you to our 48th state on our journey to visit all 50 states! We share everything we did in just over 24 hours, including touring the stunning Iowa State Capitol, ‘Sip & Strolling' the Greater Des Moines Botanical Garden, exploring the East Village, visiting the Pappajohn Sculpture Park, enjoying local breweries & restaurants, hearing about the cities spooky past with ghost tour, and stepping outside the city to hike in Ledges State Park. Plus, we cover where to stay, what to eat, and practical tips for planning your own Des Moines getaway.Highlights: Visit The Greater Des Moines Botanical Garden, take a look at the events on their calendar and consider booking the Sip & Stroll for a guided tour and behind-the-scenes updatesHear about Des Moines' eerie past and folklore with a Ghost Tour with US Ghost AdventuresTour the Iowa State Capitol (free self guided tours & guided tours available) Hotels in Des Moines we recommend: Staybridge Suites Des Moines Downtown by IHGSurety Hotel, Autograph CollectionHotel Fort Des Moines, Curio Collection by Hilton Residence Inn Des Moines DowntownFind a great flight deal to Des Moines 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!

Today on The Survival Podcast expert council, we cover a wild mix of foreign policy, digital privacy, strange food taboos, hard core water pumping, wearable health tech, hunting and the next chapter for me and TSP. Ron Paul and Dan McAdams join us to talk about what it will take for the United States to finally walk away from a failed foreign policy that keeps producing the same bad results. Jesse Markowich explains what a VPN is, who actually needs one, where it helps and what you can really do with it. Ken Daniels digs into why many nations eat … Continue reading →

We're taking you on a 4 day Hong Kong adventure exploring the city and Hong Kong Disneyland! If you want to take this exact trip, you can download our ⁠Hong Kong Itinerary ⁠It gives travel tips, restaurant and hotel recommendations, links to every activity we booked, packing list, and a day by day itinerary for you to follow.Highlights of Hong Kong:Stay at the ⁠The Salisbury YMCA Hotel⁠Get an eSim from ⁠Airalo ⁠before you goReserve your ⁠Hong Kong Disney ⁠passes ahead of timeVisit Avenue of Stars, monasteries and temples, and day and night marketsSee the Symphony of Lights and views from observation decks and wheelsRide the Mid Level EscalatorsUse the ⁠Airport Express ⁠public transportationGet the ⁠Hong Kong Tourist Octopus Card ⁠for shopping and diningSee all the experiences we did in our⁠ Hong Kong Viator Shop⁠Find a great flight deal to Hong Kong, or anywhere else, by signing up for ⁠⁠Thrifty Traveler Premium⁠⁠ and get flight deals sent straight to your inbox. Use our promo code TSP to get $20 off your first year subscription.—---------------------------------------Shop:⁠⁠ Trip Itineraries ⁠⁠⁠&⁠⁠ ⁠Amazon Storefront ⁠⁠⁠Connect:⁠⁠ ⁠YouTube⁠⁠⁠,⁠⁠ ⁠TikTok⁠⁠⁠, and⁠⁠ ⁠Instagram⁠⁠⁠⁠⁠⁠ ⁠⁠⁠and contact us at travelsquadpodcast@gmail.com to submit a question of the week or inquire about guest interviews and advertising. Submit a question of the week or inquire about guest interviews and advertising.Contains affiliate links, thanks for supporting Travel Squad Podcast!

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!

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