Podcasts about TSP

If you sat down in my office as an E-3 and told me you wanted $100,000 saved before you pinned on E-6, here's exactly what I'd tell you. Forget chasing the number and start building the habits that make it inevitable, because $100K isn't magic, but it changes your trajectory faster than almost anything else you can do in your 20s. In this episode I break down the seven decisions that get you there: living below your means, killing high-interest debt, investing early through your TSP and Roth options, using every military benefit you're entitled to, buying assets before toys, protecting your credit, and increasing your income once the fundamentals are locked in.   Timestamps (00:00) - Intro (00:34) - The $100K by E-6 Goal (01:03) - Rule 1: Live Below Your Means (03:30) - Rule 2: Eliminate High-Interest Debt (04:37) - Rule 3: Invest Early (TSP & Roth) (07:03) - Rule 4: Use Your Military Benefits (07:45) - Rule 5: Buy Assets Before Toys (08:52) - Rule 6: Build Great Credit (09:18) - Rule 7: Increase Your Income (11:03) - VA Loans & Finding the Right Lender   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. FREE Financial quiz to see where you are, and point you in the right direction: https://www.frommilitarytomillionaire.com/wealth-roadmap Resources & Links Free course - Military Personal Finance 101: https://military-millionaire-academy.teachable.com/p/personal-finance-101-for-service-members  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 to the incredible country of Georgia, one of the most underrated countries in the world where wine, history, and culture come together in the most magical way in the main city of Tbilisi and beyond. We explore historic spas, wine baths, local nightlife, cultural sites, natural wonders in the Caucasus Mountains.We also dive deep into our experience at ⁠WINECAST⁠, a five-day festival celebrating cinema, wine, and Georgian culture with film screenings, wine tastings and masterclasses, live music, and more!Highlights of Georgia:The rich history of Georgia as the birthplace of wine

One decision in your first year of service can make you a military millionaire and most people never make it. In this long-awaited 2026 refresh of their most popular episode ever, Spencer and co-host Jamie break down the Thrift Savings Plan from the ground up: what it is, how the 5% match really works, Roth vs. traditional, the combat zone triple tax benefit, and exactly how much to contribute to retire with seven figures. Whether you just left boot camp or you're 15 years in and think you're too late, this is the no-nonsense TSP playbook for the modern service member. Questions Asked: What is the TSP, and how is it different from a savings account or a civilian 401(k)? How do the TSP and a Roth IRA work together — and why aren't they the same thing? How much can you contribute in 2026, and how much do you actually recommend? When does the government's 5% match kick in, and how do you avoid missing it? Can you contribute to a non-working spouse's IRA? Roth or traditional — which should most military members choose? What are catch-up contributions, and who are they actually for? How does the combat zone tax exclusion (CZTE) supercharge Roth contributions? I'm 10–15 years in under Legacy High-3 — is the TSP still worth it? What happens to my TSP when I separate or retire? How do the G, F, C, S, and I funds work, and what should I pick? What are Lifecycle (L) funds, and are they good enough? Is the TSP still a good deal on cost compared to Fidelity's zero-fee funds? What are your personal allocations? If I'm feeling overwhelmed, what's the one thing I should do? Main Topics Covered: TSP basics: employer-sponsored plan, Blended Retirement System (BRS) vs. Legacy High-3, and the 2018 transition The 5% match explained — 1% automatic + 4% after your 2-year mark — and why it doesn't count against your $24,500 elective deferral limit 2026 contribution limits: $24,500 TSP, $7,500 per person IRA, and the $72,000 combined limit The millionaire math: 20% (officer) or 25% (enlisted) to Roth TSP = a seven-figure account in 20 years Setting it up in myPay and tsp.gov, and why you should spread contributions across all 12 months Roth vs. traditional for military pay, and why Roth wins for ~90%+ of service members The combat zone triple tax benefit and tax-free re-enlistment bonuses New for 2026: Roth in-plan conversions and the military mega backdoor Roth Late to the game? Why it's never too late to start Keeping, rolling over, or consolidating your TSP after separation — and Guard/Reserve combined limits Breaking down all five funds (G, F, C, S, I) — including the I Fund's ex-China index change Lifecycle/target-date funds as the ultimate hands-off solution, and why chasing Facebook-group "gurus" backfires Costs, expense ratios, front-end load fees (looking at you, First Command), and the mutual fund window Rebalancing, interfund transfers, and tax-efficient asset placement Spencer's and Jamie's personal allocations, and why there's no perfect portfolio Resources Mentioned: The Military Money Manual: A Practical Guide to Financial Freedom (Amazon / militarymoneymanual.com) Tools at militarymoneymanual.com: MilTaxCaster: https://militarymoneymanual.com/military-tax-estimator/MilTaxCaster Cost/expense ratio calculator: https://militarymoneymanual.com/costs/ Roth TSP conversion calculator: https://militarymoneymanual.com/roth-tsp-conversion-calculator/ Contribution percentage chart: https://militarymoneymanual.com/military-tsp-match-max/  tsp.gov and FINRA.org (unbiased resources) Related episodes: #2 (original TSP) https://podcast.militarymoneymanual.com/ , #39 (mutual fund window) https://podcast.militarymoneymanual.com/39-2022-changes-to-the-tsp-mutual-fund-window-tsp-app-more/, #211 (Roth in-plan conversions with Brian "Alf" O'Neill) https://podcast.militarymoneymanual.com/roth-in-plan-conversions-tsp-with-brain-alf-oneill-211/  Tax Planning To and Through Early Retirement by Sean Mullaney and Cody Garrett 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. Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3 If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.

We're giving you a step-by-step guide to how to create your own travel bucket list and sharing some of the iconic destinations and experiences that are on ours!A bucket list gives you something to look forward to, gives you the motivation to achieve personal goals and dreams, and exposes you to new experiences and pushes you out of your comfort zone.Find a great flight deal to any of your Travel Bucketlist destinations with ⁠⁠Thrifty Traveler Premium⁠⁠'s flight deals. Use our promo code TSP to get $20 off your first year subscription.—---------------------------------------Shop:⁠⁠ Trip Itineraries ⁠⁠⁠&⁠⁠ ⁠Amazon Storefront ⁠⁠⁠Connect:⁠⁠ ⁠YouTube⁠⁠⁠,⁠⁠ ⁠TikTok⁠⁠⁠, and⁠⁠ ⁠Instagram⁠⁠⁠⁠⁠⁠ ⁠⁠⁠and contact us at travelsquadpodcast@gmail.com to submit a question of the week or inquire about guest interviews and advertising. Submit a question of the week or inquire about guest interviews and advertising.Contains affiliate links, thanks for supporting Travel Squad Podcast!

In this episode we take you to Hilton La Pacifica Hilton Los Cabos for a glorious weekend at the beachfront resort of your dreams. We share how to get this 4 day stay for less than $500 USD, what the oceanfront rooms are like, and detail all the amenities and pools at this amazing resort. We also rate the quality of the food (it's very good!), share the excursions you can book & how it works and describe the vibe & people you'd be vacationing with at this resort. Check out our Cabo Viator Experiences for all activities we recommend and even some that we wanted to do but couldn't get to.Find a great flight deal to Los Cabos (SDJ) with Thrifty Traveler Premium's flight deals. Use our promo code TSP to get $20 off your first year subscription.Other resorts in Cabo we recommend if La Pacifica Hilton Los Cabos isn't available:Pueblo Bonito Los Cabos BlancoCasa Dorada Los Cabos Resort & SpaFour Seasons Los Cabos Costa Palmas—---------------------------------------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.Contains affiliate links, thanks for supporting Travel Squad Podcast!

Wondering where to eat in Austin? We're sharing 11 of the best restaurants in Austin, Texas, from Caribbean and Mediterranean flavor bombs to steakhouses, Italian favorites, smash burgers, and gorgeous lakeside dining. Whether you're visiting Austin or a local looking for your next great meal, these are the restaurants we recommend again and again!In this episode, we cover: Canje, Ezov, La Piscina, The Kimberly, Hula Hut, Quince Lakehouse, Intero, ATX Cocina, Birdie's, NADC, and Steiner Ranch Steakhouse. Listen to here what's good and the occasion that would bring you into these spots.Austin hotels we recommend:​The LINE Hotel – Great location and view of the lake and bats​Hotel Van Zandt – Great rooftop pool vibes​The Downright Hotel – Cute pink, fun decor and a great pool vibe.​Lake Austin Spa Resort – All-inclusive wellness resort on the Lake, it is absolutely amazing! You can also book a spa day, see our Lake Austin Spa Review before you go!Check out fun things to do in Austin that we recommend on Viator. These are perfect if you don't have a car or want to have some unique experiences on this trip.Find a great flight deal to Austin 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!

Could a nation of steadier 401(k) investors make markets calmer—or will algorithms, options, and meme-stock behavior keep the ride bumpy? Tom and Roxy weigh the forces pulling volatility in both directions.Next, an almost-80-year-old with a $4 million portfolio asks who should coordinate the inheritance plan. The answer is a team effort, with the financial advisor calling the plays and the CPA and estate attorney handling their specialties.They also decode RIA versus IAR, flag the conflicts that can come with dual registration, and tackle asset location, TSP diversification, inherited money, and whether to sell Vanguard ETFs before adding DFA or Avantis.Timestamps:0:44 A French café opening2:40 Will more investors mean less volatility?7:12 Who quarterbacks an estate plan?10:15 RIA, IAR, broker-dealer, and fiduciary conflicts15:25 Inherited money, TSP, Roth, and brokerage choices21:21 Adding DFA or Avantis to Vanguard ETFsQuestions? Comments? Click!

We're taking you on a journey through Québec City, where old-world charm meets vibrant modern culture, visiting the iconic Fairmont Château Frontenac, Dufferin Terrace, and Petit-Champlain plus savoring Quebec's farm-to-table cuisine and setting sail on an unforgettable AML River Cruise.WE also go beyond the city walls to take in the soft outdoors with a day at Strom Spa, Montmorency Falls, Canyon Sainte-Anne, Chutes Jean Larose, and kayaking on Ile d'Orleans.Highlights of Quebec City in this episode:Where to eat & drink in Quebec CityAML River CruiseMontmorency Falls, Canyon Sainte-Anne & Chutes Jean LaroseStrøm Spa NordiqueSunset Kayaking on the St. Lawrence RiverOur top recommendations for hotels in Québec City:⁠Hilton Quebec ⁠⁠Hotel Palace Royale Center⁠⁠Le Capitole Hotel⁠Or check out these ⁠highly rated hotels in Quebec City⁠Explore our curated list of ⁠Quebec City tours and things to do⁠ that we recommend and a few more we wish we had time for!Find a great flight deal to Quebec City, or anywhere else, with ⁠Thrifty Traveler Premium⁠'s flight deals. Use our promo code TSP to get $20 off your first year subscription.—---------------------------------------Shop:⁠ Trip Itineraries ⁠⁠&⁠ ⁠Amazon Storefront ⁠⁠Connect:⁠ ⁠YouTube⁠⁠,⁠ ⁠TikTok⁠⁠, and⁠ ⁠Instagram⁠⁠⁠⁠ ⁠⁠and contact us at travelsquadpodcast@gmail.com to submit a question of the week or inquire about guest interviews and advertising. Submit a question of the week or inquire about guest interviews and advertising.Contains affiliate links, thanks for supporting Travel Squad Podcast!

Episode Description That magazine you grab on your way into the commissary? It's been there for nearly 70 years — and there's a four-generation family story behind it. In this episode, Spencer sits down with Joe Mugnai, whose grandfather launched Family Magazine in 1958 to help military families stretch every dollar. Today it distributes 400,000 copies a month across commissaries worldwide. But Joe isn't just carrying the torch — he's building the next chapter: The Garrison Ledger, a free suite of always-accurate military benefit tools designed to cut through confusing government archives and give service members straight answers they can actually trust. Questions Asked Where did Family Magazine start in 1958, and how are you connected to it? Why turn a coupon flyer into a full editorial magazine? When your dad (Joe III) joined, was it his first job or was he reluctant to take over the family business? How did you come to join the company in 2011? How many copies of Family Magazine are distributed each month today? What can readers do if they can't find the magazine at their commissary? What is Family Media doing to pivot toward the digital age and reach military families online? What's an example of a question someone might bring to The Garrison Ledger, and how does it work behind the scenes? How is your approach different from using ChatGPT or Gemini for benefit questions? How does someone enter the $500 Family Media quarterly giveaway? Main Topics Covered The origin of Family Magazine in 1958 and the four generations of Joe Mugnai behind it Why the founder added editorial content (PCS, travel, pets, beauty) instead of a plain coupon book The magazine's scale today: 400,000 copies monthly, ~30,000 overseas, reaching commissaries worldwide The enduring value of the commissary benefit — especially overseas in places like Japan and Germany How coupons (BOGOs, manufacturer deals from Eggland's, Unilever/Dove) stack on top of commissary savings The challenge of constantly changing military numbers: BAH, base pay, TSP limits, Roth IRA limits, the JTR Why AI chatbots give confidently wrong answers — outdated training data and hallucination The Garrison Ledger: free military tools built to pull only from current, official government sources The TSP modeler and how a "single source of truth" prevents hallucinated answers Real-world accuracy in action, like temporary location-specific BAH adjustments The $500 Family Media quarterly giveaway — five $100 winners, and how to enter via the newsletter Links Mentioned familymedia.com garrisonledger.com 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. 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 are back from our adventure at The Newbury School of Weaving. We had a fabulous time and have a lot to say, evidenced by an unusually long episode. Plus, our usual project updates. 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 Foundation Blanket: I chose to make the Cross Bar Check blanket using Harrisville wool in the colors Loden Blue and Mustard. Need to make fringe and wash. Dimity, Diaper, Damask Blanket: I wove a blanket using 5 colors of warp and a single color of weft. I wove a bird's eye twill which falls in the Diaper category. Need to make fringe and wash. Trillium Lake by Kay Hopkins: Using Queensland Collection Coastal Cotton Fine. I'm so close to finishing. Finished the second sleeve but there are two to many rows and it looks odd. Need to rip back. Spindrift Shawl by Helen Stewart. Using by handspun from a braid by Alexandra Art of Yarn Mellow Mood Top: by Julia Piro. Using Queensland Collection Eco Twist in the colorway Crimson Canyon. Not going to make it. Can't face another cotton tee right now. Socks: Using Madeline Tosh sock in the colorway Plum Tree. Finished first sock and cast on second. Silver Bags: Sewing bags with pacific cloth to protect silver. Sounds posh.

On this week's Just the Tip, we're laughing about the things that give us "the ick" while traveling.Find a great flight deals 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!

When should you claim Social Security, and how do pensions, TSP contributions, and Roth versus Traditional savings decisions impact your retirement future? In this episode, Val answer listener questions on maximizing Social Security benefits, understanding pension coordination, evaluating TSP fund performance, creating sustainable retirement withdrawals, protecting your income from inflation, and building a strategy designed to help you avoid running out of money in retirement! Have questions about retirement planning or other financial topics? Connect with Val and the topic could be featured in future episodes! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge. ---

Just when you thought America had invented every possible retirement account, along comes the Radish. Don and Tom dig into the proposed employer-funded savings plan, the man who helped create the 401(k), and whether workers really need another tax-advantaged vegetable in an already crowded garden.The practical answer is simpler: start saving now. A Roth IRA and one broad global stock ETF can do more good than waiting for the perfect account—or learning every acronym in the retirement alphabet.Listener questions cover diversifying beyond rental real estate, whether spreading accounts across custodians is useful cyber insurance, moving emergency cash from Ally to SGOV, Roth 401(k) matching, and Roth IRA withdrawal timing.00:37 Mountain music and backyard radishes02:40 The retirement-account alphabet04:36 What exactly is a Radish plan?09:04 Save now; simplify later11:53 Diversifying beyond rental real estate16:15 TSP, SEP IRA, and custodian cyber risk19:06 SGOV for an emergency fund21:26 Roth 401(k) matching and Roth IRA accessQuestions? Comments? Click!

In this episode, we share our experience flying from Anchorage to Lake Clark, landing on remote beaches, seeing bears up close, and exploring Chinitna Bay and Silver Salmon Creek. Plus, we break down how to visit Lake Clark, the best time to go, flightseeing and bear-viewing options, where to stay, what to pack, and everything you need to know to plan your own Lake Clark adventure.You can download this itinerary in PDF form with details on the route, time allocation & more here: Lake Clark National Park Summer Itinerary or we combine this trip with Kenai Fords and Lake Clark for a 6 Day Alaska National Park Itinerary.Recommendations for Anchorage:​SpringHill Suites by Marriott Midtown​Courtyard by Marriott Anchorage Airport​Hyatt Place Anchorage MidtownFind a great flight deal to Anchorage with Thrifty Traveler Premium's flight deals. Use our promo code TSP to get $20 off your first year. —---------------------------------------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!

Diversification is a key part of wise investing, and for many portfolios, that means looking beyond U.S. markets. But Christian investors may wonder whether they can pursue international opportunities while still aligning their investments with biblical convictions. Benjamin Bailey, Vice President of Investments at Praxis Investment Management, says the answer is yes. Faith-based investing can extend across a portfolio—including its international holdings. What Is Faith-Based Investing? Faith-based investing begins with the belief that financial decisions can be informed by faith. Rather than viewing investment returns as the only consideration, this approach seeks to balance two priorities: putting financial resources to productive use while also considering the impact investments may have on individuals, communities, and God's creation. For Christian investors, that means asking not only, “How might this investment perform?” but also, “What am I supporting with the resources God has entrusted to me?” Interest in this approach continues to grow. Bailey points to estimates suggesting that Christian households collectively hold trillions of dollars in investments, creating significant opportunity for believers who want their portfolios to reflect their convictions. Why Invest Internationally? International investments can play an important role in a well-diversified portfolio. Different countries and regions do not always experience the same economic conditions or market cycles at the same time. Investing across global markets can therefore give investors exposure to companies, industries, and opportunities they might not encounter through U.S. investments alone. That principle applies to faith-based investors as well. If an investor wants biblical values reflected throughout a portfolio, those considerations should not necessarily stop with domestic holdings. Until recently, however, Christian investors have had fewer faith-based choices in the international marketplace. “People want choices, and people want options,” Bailey says. The Challenges of Faith-Based Investing Overseas Applying faith-based investment criteria internationally can be more complicated than doing so in the United States. Investors need reliable information about companies around the world, including their business activities and practices. Cultural differences, regulatory environments, and varying levels of corporate disclosure can make that research more difficult. That is why investment managers often rely on global research organizations with experience evaluating companies across countries and industries. There is another challenge as well: certain markets may contain a higher concentration of companies involved in business activities that conflict with an investor's faith-based guidelines. Depending on the screening approach being used, that can limit the available investment universe. These challenges make careful research and a clearly defined investment process especially important. Expanding Faith-Based Choices With PRXI Praxis recently expanded its international offerings with the launch of PRXI, a faith-based international exchange-traded fund. The new ETF is designed to address an area where investors have historically had relatively few faith-based options. Praxis has been investing internationally for years through its international mutual fund. PRXI brings that experience into an ETF structure while using what Praxis describes as an optimized index approach. Rather than attempting to dramatically outperform a market benchmark through active stock selection, the strategy seeks performance that is generally similar to its benchmark while incorporating Praxis' faith-based investment criteria. For investors who want international diversification without moving away from their convictions, that approach provides another potential tool for building a portfolio aligned with their values. Faithful Stewardship Across the Portfolio Faith-based investing does not have to stop at the water's edge. International diversification may be appropriate for many investors, and the growing number of faith-based investment options means Christians increasingly have opportunities to pursue diversification while remaining attentive to what their investments support. As with any investment decision, the goal is not simply to choose a product because it carries a faith-based label. Investors should understand the strategy, risks, expenses, diversification benefits, and underlying holdings and consider how each investment fits within their overall financial plan. Ultimately, investing is another area of stewardship. The resources God provides can be managed with wisdom, intentionality, and a desire to honor Him—not only in how much we earn, but also in how and where we invest. Praxis Investment Management has offered faith-based investment solutions since 1994, incorporating approaches that extend beyond investment screening to include shareholder engagement and other forms of impact. To learn more, visit PraxisInvests.com. On Today's Program, Rob Answers Listener Questions: I have a seven-year-old granddaughter and want to start saving for her college education. What's the best way to invest for that, and can I use my RMD to help fund it? My husband and I are 64, retired, debt-free, and have substantial savings, including about $700,000 in TSP. We've never worked with a financial planner and are considering a Certified Kingdom Advisor, though none are local. How should we think about managing these assets from here, and where might Roth IRAs fit into the plan? We rarely use credit and haven't needed much of it in decades. Is there any downside to freezing our credit reports? We have an investment account whose earnings we give to ministry, and over about five years we've given away roughly what we originally invested. Should we keep the principal invested and continue giving the proceeds, or liquidate it and give the full amount now? We also planned to leave it to our children with instructions to give it to ministries after we die—does that make sense? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Praxis Investment Management | PRXI SavingForCollege.com  Charity Navigator | ECFA (Evangelical Council for Financial Accountability) National Christian Foundation (NCF) Experian | TransUnion | Equifax FaithFi Field Guide: How Much Money is Enough?  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.

Four federal retirement mistakes to avoid. These decisions have a short window to get right — survivor benefit, FEHB, FEGLI, and TSP withdrawals — and for most of them, there's no fixing it later. In this video, Charles walks through exactly what to do with each one, and why the "obvious" move (cancel, take the lump sum) is usually the expensive one.━━━━━━━━━━━━━━━IN THIS VIDEO YOU CAN LEARN━━━━━━━━━━━━━━━- Survivor benefit: the short window to change it — and why you can't count on a fix later- FEHB: why you should SUSPEND, never cancel, your federal health insurance- FEGLI: how a 75% reduction on Basic can cost $0 at 65 — don't just cancel it- TSP withdrawals: why pulling a large lump sum is a one-way doorWhich of the 4 scares you most? Drop a number below

Part Two of Two Some good news first: Judge Richard Gergel dismissed Alex Murdaugh's federal lawsuit demanding $600,000 from former Colleton County Clerk of Court Becky Hill, pointing to the "fatal flaw" sitting at the center of it.Investigative journalists Mandy Matney and ⁠Liz Farrell explain why agreeing with the ruling isn't the same as defending Becky Hill — and why they always believed the suit was less about money than about spectacle, subpoena power, and keeping everyone's eyes off the double homicide case.Then, Gregg Roman. The Middle East Forum executive director hired by billionaire gas station owner Greg Parker now calls himself an investigative journalist in court filings, and the South Carolina Supreme Court has agreed to take his appeal to keep his bank records away from the Beach family. Mandy and Liz walk through South Carolina's autopsy photo laws, the Dale Earnhardt and Kobe Bryant precedents, and the one question buried under all the noise: who gave Gregg Roman photos of Mallory Beach's body?Let's Dive In…

There is no perfect portfolio. A Bogleheads study looking back over 20 years found no diversified portfolio beat a similarly risky one by more than 1–2% per year — and that edge usually gets eaten up by advisory fees, behavioral errors, and poor tax management anyway. Stop optimizing. Spencer Reese walks through 10 reasonable asset allocations for military service members, from the simplest set-and-forget option to the one he uses himself. The goal isn't the best portfolio — it's a low-cost, automated, diversified, and simple (LADS) portfolio you can hold through good times and bad, applied consistently across your TSP, Roth IRA, and taxable brokerage account. The 10 portfolios: Lifecycle (L) fund — under 10 basis points, rebalanced automatically 100% global market cap weighted stocks — VT, or 48% C / 12% S / 40% I The Warren Buffett 90/10 — S&P 500 plus short-term government bonds Pure S&P 500 — 100% C fund, and what you give up The Simple Path to Wealth — JL Collins' total US stock market approach The 50/50 two-fund portfolio The Bogleheads three-fund portfolio The classic 60/40 — and how it maps to the 4% rule Rick Ferri's Core Four — three-fund plus a REIT Spencer's personal allocation — 60% US / 30% international / 10% bonds Also covered: Why your asset allocation applies across every account, not fund by fund Fads worth avoiding: small cap value tilts, crypto, long-term bonds Why REITs belong in a Roth IRA, not a taxable account How Spencer shifted from 100% stocks to adding bonds after reaching financial independence Rebalancing: every two or three years is plenty "The enemy of a good plan is the dream of a perfect plan" — Clausewitz Got value out of this episode? Send it to someone in your unit and leave us a five-star review on Spotify or Apple. It's the best way to help other service members find the show.

In this episode, we recap our adventures in Kenai Fjords, Glacier Bay, Wrangell-St. Elias, and Lake Clark National Parks, sharing our favorite hikes, glacier cruises, bear viewing experiences, wildlife encounters, and travel tips.We also reveal our plans for visiting Alaska's remaining national parks: Denali, Katmai, Kobuk Valley, and Gates of the Arctic. From watching brown bears catch salmon at Brooks Falls to camping above the Arctic Circle and exploring one of the most remote wilderness areas in America, we're sharing exactly how we hope to experience these bucket-list destinations.In this episode:Kenai Fjords National Park travel tipsGlacier Bay National Park cruise experienceWrangell-St. Elias flightseeing & glacier hikingLake Clark bear viewing adventureOur Denali National Park itinerary plansKatmai National Park & Brooks Falls bear viewingVisiting Kobuk Valley National ParkExploring Gates of the Arctic National ParkTips for planning an Alaska National Parks road trip and fly-in adventureKenai Fjords:Hotels: Harbor 360 Hotel  or Breeze InnEpisode: Kenai Fjords National Park in 2 Days by Land & Sea Viator Shop: Kenai Fjords Viator ExperiencesItinerary: 2 Day Kenai Fjords National Park Itinerary Glacier Bay: Episode: 2 Day Glacier Bay National Park AdventureItinerary: 2 Day Glacier Bay ItineraryWrangell - St. Elias: Hotels: Kennicott Glacier Lodge or Blackburn CabinItinerary: 3 Day Wrangell - St. Elias National Park Summer Itinerary Find a great flight deal to Anchorage 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!

Book a call: https://remnantfinance.com/calendarEmail us at info@remnantfinance.com or visit https://remnantfinance.com for more informationFOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance)Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588)Twitter: @remnantfinance (https://x.com/remnantfinance)TikTok: @RemnantFinanceDon't forget to hit LIKE and SUBSCRIBEFor the first time on the show, Hans sits down with a client. Major Jonathan Wright is an active duty Air Force F-35 pilot who started his first policy in December 2023 and has been listening since episode one. Before the financial conversation, he walks through how he got here: growing up in Knoxville, following his father to Embry-Riddle, earning a fighter track slot at ENJJPT, and then giving up the F-16 he had wanted since childhood when a 24 hour window opened to become one of the first Air Force pilots to fly the Navy's EA-18G Growler. Two deployments later, including a Christmas Day flight of nearly nine hours, he transitioned to the F-35 and now flies red air at Nellis.Major Wright is candid about the hesitations, including his first assumption that IBC was a grift and the shock of routing that much of a paycheck into base premium and PUA. Four years in, the family holds five policies, and he walks through the four turnkey rental properties and the options account he funded with policy loans, the dividend that grows each year, and why he weights death benefit heavily with three kids at home. Chapters 00:00 – Opening segment 05:05 – Embry-Riddle, ROTC, and building hours for a pilot slot 09:50 – ENJJPT, NATO classmates, and selection for the F-16 13:25 – Trading the Viper for the Growler on 24 hours notice 16:10 – Al Udeid, jamming comms over Syria, and eight hour sorties 19:40 – Misawa, and the start of 2020 22:50 – The F-15C, F-22, F-16, and F-35 compared 32:55 – Congress, the Fed, and the defense contracting loop 35:00 – Navy versus Air Force squadron culture 38:15 – Call signs, and the story behind Bundy 43:45 – The 2019 flu shot and what happened that night 50:40 – The COVID czar, quarantine, and four weeks in a room 53:25 – Credibility, compliance, and what it cost 58:15 – The F-35 transition course and arriving at Eielson 59:25 – The mandate, the RAR, the LORs, and three months grounded 01:02:45 – Meeting Cassidy, marriage, and three kids 01:08:50 – Finding IBC and reading Nelson Nash 01:12:45 – The hesitations: premium, PUA, and "is this a Ponzi scheme?" 01:19:35 – Rental properties, options, and the dividend 01:23:15 – What his finances looked like before 01:26:00 – The gap between IBC and conventional planning 01:28:50 – Closing segmentKey TakeawaysThe debrief process is the through line of this episode. Fighter pilots take a problem, list every contributing factor, isolate the primary one, name a root cause, and produce a fix.Doors that open unexpectedly are worth walking through. Giving up the F-16 closed a lifelong goal but put him in a Navy squadron, then in the F-35 community, and eventually in the group chat where he met both his wife and this show. Being good with money by conventional standards is not the same as having a system. Before IBC, he maxed his TSP and his Roth IRA, carried no debt, and kept an emergency fund, and he would have passed any mainstream checkup with high marks.What he does now is layered rather than singular. The policies are the foundation, and the cash value funds rental properties and an options account while continuing to grow inside the contract. 

Have a Financial Advisor for Federal Employees respond to your questions. Apply for a Retirement Consultation:https://apply.cdfinancial.org/6a694299bad1c9a176cdc79f/Two federal employees retire the same year with the same TSP balance. Five years later, one has paid tens of thousands more in taxes. The difference wasn't the market — it was the withdrawal decisions. In this episode, Charles and Marcus walk through the five TSP withdrawal mistakes behind that gap, and how to avoid each one.━━━━━━━━━━━━━━━START HERE━━━━━━━━━━━━━━━Apply for a Retirement Consultation:https://apply.cdfinancial.org/6a694299bad1c9a176cdc79f/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 EPISODE━━━━━━━━━━━━━━━- Mistake 1: the big lump sum — why cutting into the "wheel of cheese" too fast can't be undone- Mistake 2: why the tax withheld is NOT the tax you owe (and the filing-season surprise)- Mistake 3: withdrawal order — how pulling from the wrong bucket can cost more than a bad market year- Mistake 4: timing that trips IRMAA and bracket creep — including the 2-year lookback- Mistake 5: the fix — a written withdrawal sequence before you separate- Why the goal isn't the lowest tax THIS year, it's the lowest tax over 20–30 years━━━━━━━━━━━━━━━TIMESTAMPS━━━━━━━━━━━━━━━0:00 Same Balance, Tens of Thousands Apart0:31 Welcome — CD Financial Podcast2:13 Mistake 1: The Big Lump Sum (The Wheel of Cheese)3:42 Mistake 2: Withholding Isn't Your Real Tax Bill6:24 Mistake 3: Withdrawal Order — Traditional vs. Roth7:48 Sailing the Tides: Adjusting Year to Year9:30 Lower Brackets Now = Smaller RMDs Later11:55 Mistake 4: IRMAA & Bracket Creep (2-Year Lookback)14:52 Mistake 5: The Written Withdrawal Sequence16:10 Watch Next: FERS Retirement Explained━━━━━━━━━━━━━━━WHO WE ARE━━━━━━━━━━━━━━━CD Financial helps federal employees and retirees make smarter retirement decisions around FERS, TSP, taxes, Medicare, 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 brackets, IRMAA thresholds, Social Security taxation, and RMD rules depend on your individual situation and change yearly — verify with the IRS, SSA, and a qualified tax professional before acting. Client examples are anonymized and illustrative.#TSP #TSPWithdrawals #FederalRetirement #IRMAA #TaxPlanning #CDFinancialSupport the show

- Gross vs. net on a FERS pension — and why the difference matters- How the survivor benefit election takes ~10% off the top- Why FEHB (health insurance) is often the single biggest deduction- What federal and state taxes do to what's left- The number that actually reaches your bank account — your "port of entry"Your FERS pension has a number that looks great on paper (gross) and a number that actually lands in your bank account (net) — and the gap is bigger than most federal employees expect. In this short video, Charles walks a $3,000 monthly pension through every deduction, dock by dock, until you see what really comes home.Do you know your FERS NET number? Not just the gross.━━━━━━━━━━━━━━━START HERE━━━━━━━━━━━━━━━Apply for a Retirement Consultation:https://apply.cdfinancial.org/6a694299bad1c9a176cdc79f/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━━━━━━━━━━━━━━━TIMESTAMPS━━━━━━━━━━━━━━━0:00 Gross vs. Net — Why It Matters0:25 The $3,000 Pension Sets Sail0:30 Deduction 1: Survivor Benefit (–10%)1:00 Deduction 2: FEHB (Your Health Insurance)2:01 Deduction 3: Federal Taxes3:03 Deduction 4: State Taxes3:26 What Actually Reaches Your Bank Account3:46 Watch Next: The FERS Choices You Can't Undo━━━━━━━━━━━━━━━WHO WE ARE━━━━━━━━━━━━━━━CD Financial helps federal employees and retirees make smarter retirement decisions around FERS, TSP, FEHB, 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. The $3,000 example and all deduction figures are illustrative — your survivor election, FEHB premium, and tax bracket depend on your situation. Verify with OPM and your agency.#FERS #FERSPension #FederalRetirement #RetirementIncome #CDFinancialSupport the show

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

Season 10 of Total Saints Podcast is underway!Saints are back in action and there's plenty to discuss ahead of the first competitive game of the new season.At the time of recording, Southampton are still waiting to discover what punishment Tonda Eckert will receive after he and the club accepted charges relating to last season's ‘Spygate' controversy. With a potential touchline ban hanging over the Saints boss, the panel discuss what punishment might be coming, how long a ban would have to be before the club considered its options and how well Saints have handled a difficult summer.Steve is also fresh back from Germany as we review Southampton's pre-season preparations. Lewis Dobbin has certainly made an impression, but what does his form mean for Finn Azaz? We also discuss the striker situation, whether there could yet be a route back for Ross Stewart, Cameron Archer's future and which big names could still leave before the transfer window closes.Then attention turns to the first competitive fixture of 2026/27, with Saints travelling to Colchester United in the Carabao Cup First Round on Saturday. How strong will Tonda go, could Cyle Larin feature and what can the game tell us about his preferred XI ahead of the Championship campaign?Finally, we remember Southampton and England legend Kevin Keegan following his passing, and reflect on just how extraordinary his arrival at The Dell was.Martin Starke is joined by Steve Grant, Glen de la Cour and Tom Prentki for TSP 384.Also in this episode: our Patreon sale is now live! New members can get 25% off their first month or first year using code TSP25. We're aiming to grow the TSP community to 750 members before Christmas, so if you've been thinking about joining us for the new season, now's a great time.https://www.patreon.com/c/TotalSaintsPodcast Hosted on Acast. See acast.com/privacy for more information.

After nearly 300 episodes of The Startup Podcast, Chris Saad is bringing everything he's learned about building world-class products and product strategy into a single tool: ScaleStudio. In what may be our final episode (unless a white knight sponsor appears), Chris walks Yaniv through the product that could fundamentally change how founders approach strategy; from problem statement all the way to positioning, roadmap sequencing, and org design.Chris demonstrates how this one AI tool, housing his vast knowledge of Silicon Valley startup strategy, can give an overwhelming process a navigable structure, allowing founders to plot a deliberate course through the chaos.In this episode, you will:Discover how Scale Studio turns Chris's 30 years of product strategy expertise into an AI tool that guides you from problem statement through to roadmap and positioningSee the complete strategy development workflow in action: from mapping all possible problem domains and solutions, to building the org structure required to executeLearn why mapping the entire solution space upfront prevents the "thrash" that derails most startups when customer requests pull the team in conflicting directionsUnderstand the customer terrain framework that reveals which customer segments are easy wins and which are death traps, allowing you to carve the narrowest viable wedge into your marketSee how Scale Studio integrates with your development workflow through exports and MCP connections, turning high-level strategy into actionable execution roadmapsExplore how AI can now handle the heavy lifting of strategy generation and iteration in around an hour, while keeping guardrails in place to maintain quality and coherence across every sectionTimestamps00:14 On Today's Show: The Last Startup Podcast?01:39 Turning Our Advice Into A Product (ScaleStudio)03:18 Homepage And Templates04:40 Problem Statement05:36 Copilot And Collaboration08:10 Solutions And Editing09:49 'How It Works' Stage11:22 Building Strategy From Seed13:32 Mapping The Solution Space18:53 Customer Segments and Personas20:46 Wedges And Customer Terrain23:07 Customer Roadmap View26:32 Org Design28:03 How Does AI Change Hiring?31:18 Roadmap To Unlocking Cohorts33:51 Market Sizing37:25 Planning the Future of ScaleStudio… in ScaleStudio?39:08 The Future of Agentic Orgs42:11 Closing Thoughts: 4 Years of TSPResources mentioned in this episodeScaleStudio (Chris's AI-powered product strategy tool): https://scalestudio.io/Vera (Yaniv's Startup): https://vera.guide The PactHonor the Startup Podcast Pact! If you have listened to TSP and gotten value from it, please:Follow, rate, and review us in your listening 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 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/

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!

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!

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!