Podcasts about TSP

Typical Skeptic Podcast #2270 — Halloween Open Panel (Live)

In this episode, we tackle some of the most common, and most confusing, retirement planning questions physicians and high-income professionals face. We dig into the pros and cons of Traditional vs Roth contributions, how TSP and deferred compensation plans really work, and what to know about 401(k) match true-ups. We also walk through real-life scenarios like merging finances when a spouse has no income but owns an IRA, and how to maximize annual contributions to a solo 401(k). Today's episode is brought to us by SoFi, the folks who help you get your money right. Paying off student debt quickly and getting your finances back on track isn't easy, but that's where SoFi can help — they have exclusive, low rates designed to help medical residents refinance student loans—and that could end up saving you thousands of dollars, helping you get out of student debt sooner. SoFi also offers the ability to lower your payments to just $100 a month* while you're still in residency. And if you're already out of residency, SoFi's got you covered there too. For more information, go to https://www.whitecoatinvestor.com/Sofi SoFi Student Loans are originated by SoFi Bank, N.A. Member FDIC. Additional terms and conditions apply. NMLS 696891. The White Coat Investor has been helping doctors, dentists, and other high-income professionals with their money since 2011. Our free personal finance resource covers an array of topics including how to use your retirement accounts, getting a doctor mortgage loan, how to manage your student loans, buying physician disability and malpractice insurance, asset allocation & asset location, how to invest in real estate, and so much more. We will help you learn how to manage your finances like a pro so you can stop worrying about money and start living your best life. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor is for you! Find 1000's of written articles on the blog: https://www.whitecoatinvestor.com Our YouTube channel if you prefer watching videos to learn: https://www.whitecoatinvestor.com/youtube Student Loan Advice for all your student loan needs: https://studentloanadvice.com Join the community on Facebook: https://www.facebook.com/thewhitecoatinvestor Join the community on Twitter: https://twitter.com/WCInvestor Join the community on Instagram: https://www.instagram.com/thewhitecoatinvestor Join the community on Reddit: https://www.reddit.com/r/whitecoatinvestor Learn faster with our Online Courses: https://whitecoatinvestor.teachable.com Sign up for our Newsletter here: https://www.whitecoatinvestor.com/free-monthly-newsletter 00:00 WCI Podcast #443 01:30 What to Do with Your TSP 07:44 Comparing Marginal vs. Effective Tax Rates 13:00 Deferred Compensation Distributions 19:37 Remaining Balance Issue w/ ETFs 24:19 401(k) True-Ups 28:40 What to Do with a Traditional IRA 32:27 Solo 401(k) Contributions

Is this the moment quantum computing becomes real?After years of being “five years away,” Google just announced a verifiable quantum advantage, claiming its Willow chip ran a molecule simulation 13,000× faster than the world's fastest supercomputer. Is this truly the dawn of the quantum era?In this episode, Chris Saad and Yaniv Bernstein dive deep into Google's latest quantum computing breakthrough, exploring what it means for AI, science, and the future of technology. They'll also expand to cover the rise of brain–computer interfaces, China's ten-year tech roadmap, and the political turbulence shaping our next decade of innovation.In this episode, you will:Understand Google's new Willow chip and its role in achieving “verifiable quantum advantage”Learn how quantum computing could accelerate drug discovery, materials science, and AI developmentExplore why Google's “Quantum AI” lab is merging the worlds of artificial intelligence and quantum physicsHear how emerging brain–computer interfaces (like MIT's Alter Ego) could usher in near-telepathic communicationDiscover China's bold 10-year plan targeting quantum tech, robotics, and embodied AI — and what it means for global competitionDebate whether technocratic governance models (like China, Singapore, and Dubai) are overtaking Western democracies in innovation speedThe Pact Honor the Startup Podcast Pact! If you have listened to TSP and gotten value from it, please:Follow, rate, and review us in your listening appSubscribe to the TSP Mailing List to gain access to exclusive newsletter-only content and early access to information on upcoming episodes: https://thestartuppodcast.beehiiv.com/subscribe Secure your official TSP merchandise at https://shop.tsp.show/  Follow us here on YouTube for full-video episodes: https://www.youtube.com/channel/UCNjm1MTdjysRRV07fSf0yGg Give us a public shout-out on LinkedIn or anywhere you have a social media followingKey linksGet your question in for our next Q&A episode: https://forms.gle/NZzgNWVLiFmwvFA2A 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-mcarthurIntro Voice: Jeremiah Owyang https://web-strategist.com/

In this episode, we're taking you to the heart of England London, a city where history, culture, and modern life blend seamlessly. From the grandeur of Buckingham Palace and the Tower of London to the lively streets of Soho and Camden, this episode uncovers the city's best spots for first-time visitors and seasoned travelers alike. You'll get insider tips on navigating the Tube, finding the best fish and chips, and exploring local favorites beyond the tourist trail. If you want to take this exact trip, download our 2 day London Itinerary!Our top recommended Hotels in London (pick hotels near Kensington Gardens, Hyde Park, or Big Ben)​Hyde Park International ​The Caesar Hotel​The Clermont London, Charing Cross​Or check out these hotels in LondonCheck out our London Activities & Tours for all activities we recommend and even some that we wanted to do but couldn't get to.Find a great flight deal to London by signing up for Thrifty Traveler Premium and get flight deals sent straight to your inbox. Use our promo code TSP to get $20 off your first year subscription.—---------------------------------------Shop: Trip Itineraries ⁠& ⁠Amazon Storefront ⁠Connect: ⁠YouTube⁠, ⁠TikTok⁠, and ⁠Instagram⁠⁠ ⁠and contact us at travelsquadpodcast@gmail.com to submit a question of the week or inquire about guest interviews and advertising. Submit a question of the week or inquire about guest interviews and advertising.Contains affiliate links, thanks for supporting Travel Squad Podcast!

When is the best time to retire from the federal government? Choosing your retirement date isn't just about flipping a calendar; it can determine how much you actually take home. In this All About FERS episode, Christian breaks down: ✅ The most strategic retirement dates (and why they matter) ✅ How your annual leave payout could add tens of thousands to your final paycheck ✅ The tax and TSP contribution timing traps you need to avoid ✅ Why December 31 isn't always the magic number, and how to find your perfect date Whether you're eyeing 2025 or still a few years away, this episode will help you make a confident, financially wise choice about when to retire.

Looking to fund your startup? If you're new to the process, fundraising can be difficult to navigate. Not only are there a myriad of ways to go about it, but it can be hard to tell whether the tips, tricks, and advice floating around are based on any evidence at all.So, what is the truth? And what are the actual, data-backed insights that can help you choose the best method of fundraising for your own business?Enter: Peter Walker. As Head of Insights at Carta, he has access to, and industry knowledge about, the vast sets of funding data that will help you cut through the noise. Today, he joins Chris and Yaniv in discussing the real data behind startup funding trends in 2025 and the key takeaways you can apply to your own startups.In this episode, you will:Discover why Silicon Valley valuations often hurt founders more than they helpUnderstand how AI startups now account for nearly half of all venture funding, and what that means for non-AI foundersLearn how lean AI-driven teams are reshaping early-stage hiring, with Series A companies shrinking from 25 employees to just 15See why most founders misunderstand SAFE notesExplore why 70% of startup employees never exercise their equityUncover the reasons behind why nearly 40% of startups lose a co-founder within seven yearsGet clarity on founder vesting, equity splits, and why a six-year vesting schedule may protect your company better than fourReframe your goals as a founder: why chasing “life-changing money” isn't the right reason to start a companyThe Pact Honor the Startup Podcast Pact! If you have listened to TSP and gotten value from it, please:Follow, rate, and review us in your listening appSubscribe to the TSP Mailing List to gain access to exclusive newsletter-only content and early access to information on upcoming episodes: https://thestartuppodcast.beehiiv.com/subscribe Secure your official TSP merchandise at https://shop.tsp.show/  Follow us here on YouTube for full-video episodes: https://www.youtube.com/channel/UCNjm1MTdjysRRV07fSf0yGg Give us a public shout-out on LinkedIn or anywhere you have a social media followingKey linksGet your question in for our next Q&A episode: https://forms.gle/NZzgNWVLiFmwvFA2A 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-mcarthurIntro Voice: Jeremiah Owyang https://web-strategist.com/

In this episode we take a day trip to Sintra, a magical town where colorful palaces rise above misty hills and cobblestone streets lead to hidden gardens and ancient castles. We cover how to get to Sintra from Lisbon, views you have to see to believe, historic attractions you can't miss, and how to use Sintra's 24 Hour Bus Pass to make getting around the city easier.Our top recommended hotels in Sintra: Pestana Cidadela Cascais Westlight Cascais Chalet Chalet SaudadeOr check out these hotels in Sintra Check out our Sintra Activities & Tours for all activities we recommend and even some that we wanted to do but couldn't get to. Find a great flight deal to Portugal 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!

OpenAI just dropped its unbelievable new browser. All signs point to it overshadowing Chrome, but is this really the dawn of a new era? Or just another hype cycle, courtesy of Sam Altman?In this episode, Chris Saad and Yaniv Bernstein react to OpenAI's surprise launch of ChatGPT Atlas and debate its strategic implications. They also discuss Apple's underwhelming Vision Pro refresh (and what it means for the company at large), YouTube's new likeness detection tech, and Reid Hoffman's viral post on “good vs. bad actors” in AI.In this episode, you will:Explore what makes ChatGPT Atlas different from Chrome, Safari, and Arc, and why it matters.Understand why OpenAI is desperate to own distribution, not just models.Compare today's “browser wars” with the 2000s Chrome vs. Internet Explorer showdown.Learn how Apple's Vision Pro M5 update signals the slow rebirth of spatial computing.Discover why YouTube's new Content ID for faces could be a turning point for AI deepfakes.Hear how AI arms races mirror past battles like spam detection, piracy, and antivirus wars.Unpack Reid Hoffman's call for “good actors” in AI and whether self-regulation can actually work.Get started with Cyber Matters: https://www.cybermatters.io The Pact Honor the Startup Podcast Pact! If you have listened to TSP and gotten value from it, please:Follow, rate, and review us in your listening appSubscribe to the TSP Mailing List to gain access to exclusive newsletter-only content and early access to information on upcoming episodes: https://thestartuppodcast.beehiiv.com/subscribe Secure your official TSP merchandise at https://shop.tsp.show/  Follow us here on YouTube for full-video episodes: https://www.youtube.com/channel/UCNjm1MTdjysRRV07fSf0yGg Give us a public shout-out on LinkedIn or anywhere you have a social media followingKey linksGet your question in for our next Q&A episode: https://forms.gle/NZzgNWVLiFmwvFA2A 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-mcarthurIntro Voice: Jeremiah Owyang https://web-strategist.com/

Medicare Part B premium costs can jump because of IRMAA (Income-Related Monthly Adjustment Amount) when your MAGI crosses key thresholds—especially for federal retirees with pensions, Social Security, and RMDs. Learn how timing, Roth conversions, and TRICARE for Life choices can influence your Medicare Part B and Part D costs without panic or fear-mongering.IRMAA isn't a penalty—it's a higher Medicare Part B and D premium triggered by income. With smart tax planning, you can navigate the thresholds instead of getting surprised.

On this weeks episode of TSP, Dylan's plans change and vacation has been canceled. DLO Deck Updates, upcoming TSP 12hr LiveStream updates, Dylan shares great personal news, Bobby shares his recent wing creation, and much more!!Help us out by giving us a review, like. share, comment, and subscribe! its FREE to do and goes a long way to help building the show and keeping it going!!

In today's episode, we're sharing everything you need to know to plan the perfect trip to Portugal's sun-soaked capital  Lisbon. You'll be inspired to wander the historic streets lined with pastel-colored buildings, taste mouthwatering pastries and explore hilltop viewpoints. Lisbon offers a mix of old-world charm and modern energy and this episode will make you fall in love with.If you want to take this exact trip, download our 4 day Lisbon Itinerary! Lisbon Episode Highlights: How to get to and around LisbonWhere to stay in Lisbon and the best neighborhoods to check outTips for experience Lisbon like a localLisboa CardLisbon Food TourOur top recommended Hotels in Lisbon Pestana Rua Augusta Esqina Urban LodgeHotel Convento do SalvadorThe Emerald House Lisbon Or check out these hotels in LisbonCheck out our Lisbon Activities & Tours for all activities we recommend and even some that we wanted to do but couldn't get to.Find a great flight deal to Portugal 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!

Your pension check hasn't arrived yet — and it's been months?That's not a rare story anymore. Federal retirement delays are real, and it's time to prepare for them. OPM processing times have stretched far beyond the traditional six to eight weeks, and thousands of retirees are waiting much longer for their first payment.

Spencer recently joined Jesse Cramer on his podcast, Personal Finance for Long-Term Investors. We wanted to share this episode with our listeners too! Links: Jesse's blog: https://bestinterest.blog/ (he has a great newsletter to sign up for!) Personal Finance for Long-Term Investors podcast: https://bestinterest.blog/personal-finance-for-long-term-investors/ Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 20,000 military servicemembers and military spouses have graduated from the 100% free course available at militarymoneymanual.com/umc3 In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, including waived annual fees, on elite cards like the American Express Platinum Card® and the Chase Sapphire Reserve® Card. https://militarymoneymanual.com/amex-platinum-military/ https://militarymoneymanual.com/chase-sapphire-reserve-military/ Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3 If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. Want to be confident with your TSP investing? Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE! If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.

Think you're executing well? Think again. Chances are you're making one of these four common mistakes.Drawing from Chris's latest essay and real-world advisory experience, Chris and Yaniv spend this episode breaking down the four biggest execution mistakes you're probably making right now. They explore how to recognize these patterns early, how to apply taste and judgment when scaling, and how to develop the discipline needed to execute with precision.In this episode, you will:Identify when you're oversimplifying, and mistaking nuanced, unique use cases for the same problemUnderstand how overcomplicating your product or process can destroy focus and momentumLearn to categorize problems correctly using the principle of mutually exclusive, collectively exhaustive thinkingApply the concept of “necessary and sufficient” work — doing everything that's needed and nothing that's notRecognize that mistiming priorities ends in attempting to do everything at once, but finishing nothingDevelop the taste, judgment, and rigor to strike the perfect balance between simplicity and depthAvoid falling into domain dogma; naming, structuring, and communicating ideas clearly for your team and customersRead Chris's original LinkedIn post: https://www.linkedin.com/posts/chrissaad_the-big-4-execution-mistakes-youre-probably-activity-7379681603847049216-ApcVThe Pact Honor the Startup Podcast Pact! If you have listened to TSP and gotten value from it, please:Follow, rate, and review us in your listening appSubscribe to the TSP Mailing List to gain access to exclusive newsletter-only content and early access to information on upcoming episodes: https://thestartuppodcast.beehiiv.com/subscribe Secure your official TSP merchandise at https://shop.tsp.show/  Follow us here on YouTube for full-video episodes: https://www.youtube.com/channel/UCNjm1MTdjysRRV07fSf0yGg Give us a public shout-out on LinkedIn or anywhere you have a social media followingKey linksGet your question in for our next Q&A episode: https://forms.gle/NZzgNWVLiFmwvFA2A 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-mcarthurIntro Voice: Jeremiah Owyang https://web-strategist.com/

Holman continues his journey west in his Jeep Wrangler 392, giving an update from the road and sharing a couple of firsts with the TSP listener, ranging from the first WOT run too the first time the Jeep was peppered with rocks. Also find out how many ounces of Dr. Pepper he consumed before reaching Denver, Colorado. The Truck Show Podcast is produced in partnership with AMSOIL, Kershaw Knives, and OVR Mag.

With 600 miles behind him in his brand new AEV-built Jeep Wrangler Rubicon 392, Holman gives first impressions and makes it to Iowa on his way back to California, visiting a TSP road trip favorite location, Iowa 80 - The World's Largest Truckstop. The Truck Show Podcast is produced in partnership with AMSOIL, Kershaw Knives, and OVR Mag.

In episode 150 of the Federal Retirement Show, Val is cutting through the noise and getting real about retirement planning for federal employees. There's a lot of information out there—but not all of it is accurate. We're tackling common myths and misinformation that could be steering you off course. Val also dive into a hot topic: Roth conversions. Should you consider one? When does it make sense? And how could it impact your TSP, taxes, and long-term retirement goals? 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. --- Listen to Previous Episodes: https://federalretirementshow.com/podcasts/ Subscribe to the show’s YouTube channel:www.youtube.com/@americanbenefitsexchange --- Connect with Val:Phone --- (512) 582-6050Email --- vmajewski@thinkabx.comAmerican Benefits Exchange --- thinkabx.comFederal Retirement Show --- federalretirementshow.com/podcastsLinkedIn --- https://www.linkedin.com/company/american-benefits-exchange/ --- About American Benefits Exchange: American Benefits Exchange focuses on providing solid financial solutions to Federal, postal, and state employees as well as members of the United States Armed Forces and small businesses. American Benefits Exchange brings years of experience and knowledge to support these niche markets. American Benefits Exchange, along with its provider companies, truly understands the needs of civil service employees. A portfolio of products is available to address important financial issues such as planning for retirement, FEGLI Option B replacement, Thrift Savings Plan Rollovers, and Pension Maximization.See omnystudio.com/listener for privacy information.

OpenAI is set to roll out its new “treat adults like adults” policy, heralding the beginning of AI chatbots speaking more amorously with users. As the company pushes boundaries, from personality-rich bots to experimental devices, others are warning that the industry might be inflating a dangerous AI bubble.In this episode, Chris Saad and Yaniv Bernstein break down Sam Altman's controversial announcement, unpack Johnny Ive's vision for the next generation of OpenAI hardware, and debate whether Google's slow-moving Gemini rollout signals resilience or decline. They also dive into the billion-dollar race for health data, exploring how Oura's massive new raise fits into the wider AI gold rush.In this episode, you will:Explore how OpenAI's “Treat Adults Like Adults” philosophy changes the future of AI interactionUnderstand the ethical and mental health challenges behind human-like AI personalitiesLearn why Johnny Ive's “family of AI devices” could redefine how we interact with technologyExamine Google's glacial AI rollout and whether slow and steady approach might actually win the raceUnpack Bloomberg's “AI Money Loop” and what it reveals about risky financial entanglementsCompare the AI investment surge to past industrial bubbles like railroads and dot-comsThe Pact Honor the Startup Podcast Pact! If you have listened to TSP and gotten value from it, please:Follow, rate, and review us in your listening appSubscribe to the TSP Mailing List to gain access to exclusive newsletter-only content and early access to information on upcoming episodes: https://thestartuppodcast.beehiiv.com/subscribe Secure your official TSP merchandise at https://shop.tsp.show/  Follow us here on YouTube for full-video episodes: https://www.youtube.com/channel/UCNjm1MTdjysRRV07fSf0yGg Give us a public shout-out on LinkedIn or anywhere you have a social media followingKey linksGet your question in for our next Q&A episode: https://forms.gle/NZzgNWVLiFmwvFA2A 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-mcarthurIntro Voice: Jeremiah Owyang https://web-strategist.com/

Is your federal job at risk? Learn everything about the 2025 government shutdown, Reduction in Force (RIF), furloughs, and how they impact federal employees with expert Ann Vanderol. This urgent breakdown covers what you need to know RIGHT NOW to protect your career, benefits, and retirement.

When it comes to retirement planning, one of the biggest questions federal employees face is: How should I allocate my Thrift Savings Plan (TSP) to make sure I don't run out of money? The TSP is a powerful tool for building wealth and creating income security in retirement. With just five core funds (plus Lifecycle Funds that mix them), your options may seem limited, but how you allocate between them makes a big difference in protecting your retirement lifestyle. https://zurl.co/J39fv

On this weeks episode of TSP we discuss the Mt. Rushmore of Middle Class Meals again as we left some off the list last week and viewers had their own takes! Bobby and Dylan catch up and talk Sports with Bobby's Dodgers and the sad Browns, losing bets, and what's new! a true "talking shop" form podcast.Review, like, comment, share, and subscribe!

Escape to Madeira, a breathtaking island where rugged cliffs meet turquoise seas and vibrant towns blend with lush mountain trails. Known as the Island of Eternal Spring, Madeira is a dream destination for travelers who crave nature, culture, and relaxation all in one place. From exploring Funchal's charming streets to hiking the Pico do Arieiro peaks and swimming in Porto Moniz's natural pools, every moment feels magical. Whether you're chasing adventure or a peaceful seaside escape, Madeira offers the perfect balance of beauty, flavor, and unforgettable experiences. If you want to take this exact trip, download our 4 day Madeira Itinerary! Madeira Episode Highlights: ​How to get to Madeira, Portugal ​How to use TAP Airlines Stopover Program ​Where to stay in Madeira​Weather in Madeira ​Hiking in Madeira Our top recommended hotels in Madeira: ​Vidamar Resort Madeira ​Hotel Caju​Hotel PortoBay Santa Maria​Or check out these hotels in Madeira Check out our Madeira Activities & Tours for all activities we recommend and even some that we wanted to do but couldn't get to.Find a great flight deal to Portugal 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!

How will the 2025 government shutdown impact federal employees, retirees, and those receiving Social Security? In this urgent update, CD Financial unpacks the latest on furloughs, layoffs, and Reduction in Force (RIF)—plus what steps you need to take right now.

Travel Planning with Points & Miles Join Spencer Reese and Jamie as they dive deep into the tactical strategies for planning and booking travel using credit card points and miles. This comprehensive guide walks through the entire process from initial flight searches to hotel bookings, with a focus on maximizing value while avoiding common pitfalls. Topics Covered Flight Booking Strategies: How to prioritize travel goals (destination, dates, airline, class of service) Finding direct flight routes and connections Searching for award availability across multiple loyalty programs Setting up price and availability alerts The importance of booking directly with airlines Avoiding third-party booking sites and potential complications Understanding partner airlines and fifth freedom routes Hotel Booking: Searching for hotel availability with points Using free night certificates effectively Maximizing Amex Fine Hotels & Resorts (FHR) benefits Fifth night free promotions When to choose hotels vs. short-term rentals Advanced Tips: Transfer partner bonuses and timing Combining points between household members Seat selection strategies for different aircraft types Using expert booking services (when they're worth it) Setting realistic expectations for award availability Resources & Links Mentioned Free Flight Search Tools: Google Flights Flight Connections - Route mapping Points Path (Chrome extension) - Points comparison on Google Flights Points Search Platforms: PointsYeah.com - Search 22+ loyalty programs (paid version recommended) Point.me / Amex.Point.me - Transfer partner search Seats.aero - Award availability search (paid) ExpertFlyer.com - Seat maps and availability (paid) Hotel Tools: MaxFHR.com - Fine Hotels & Resorts property search HigherAspire.com - Hilton Aspire credit usage Booking.com - General hotel search Hilton.com, Marriott.com, Hyatt.com - Direct hotel searches Other Resources: SeatGuru - Aircraft seat maps and reviews Airbnb & VRBO - Alternative accommodations Credit Cards Discussed: Chase Sapphire Reserve American Express Platinum Card Delta SkyMiles Reserve (Amex) Bilt Credit Card Hilton Honors Aspire (Amex) Key Takeaways Don't let points optimization ruin the vacation - Balance maximizing value with maintaining trip enjoyment and minimizing planning stress Book directly when possible - Avoid third-party sites to ensure better customer service and easier modifications Be flexible - More flexibility with dates, airports, and airlines leads to better redemptions Start searching 6-9 months out - Award availability is typically best well in advance Check for transfer bonuses - Can increase point value by 20-30% or more Set up alerts - For both cash prices and award availability to catch deals Budget for tools if needed - Some paid subscriptions may be worth it for major trips Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 20,000 military servicemembers and military spouses have graduated from the 100% free course available at militarymoneymanual.com/umc3 In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, including waived annual fees, on elite cards like the American Express Platinum Card® and the Chase Sapphire Reserve® Card. https://militarymoneymanual.com/amex-platinum-military/ https://militarymoneymanual.com/chase-sapphire-reserve-military/ Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3 If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. Want to be confident with your TSP investing? Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE! If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.

Welcome to Episode 336 of the Total Saints Podcast – your home for all things Southampton Football Club!Plenty to cover this week:Swansea City Preview – Saints return from the international break to host Swansea at St Mary's. With both sides level on points, can Will Still's men finally find consistency? We're joined by Luke Davies from the Swans Cast Podcast to size up the opposition.Ross Stewart Injury Update – Just when it looked like his Saints career was getting started, another setback rules him out for “months rather than weeks.” What does that mean for the season ahead?Saints Women on Fire – Two wins over Pompey in one week, including a comeback 5–2 victory at Fratton Park. We look at Simon Parker's side's rise to third in the league and what's clicking this season.Links & Support

What if your best work came from finding your flow, rather than simply grinding harder? In the age of constant distraction, many founders mistake busyness for progress, chasing notifications, meetings, and multitasking without realizing that true innovation happens when the mind is deeply focused.Today, Chris and Yaniv are joined by Steven Puri, former DreamWorks executive and founder of The Sukha, to unpack the science of flow state and why mastering it may be the ultimate founder advantage. From Hollywood film production to startup leadership, Steven shares how high performers sustain creativity and energy by designing their environments, schedules, and team cultures around deep work.They explore how to use neuroscience, rhythm, and intentional structure to unlock focus, eliminate context switching, and help your team reach peak performance without burnout.In this episode, you will:Understand flow state, and how it fuels both productivity and creativityIdentify common barriers preventing founders from achieving deep focusLearn how to structure your day around your natural chronotype for maximum energyImplement practical tools and mental environments that enable sustained concentrationExplore how to build company cultures that protect “maker time” and empower deep work across teamsAdopt sustainable rhythms that increase output while avoiding founder burnoutFind Steven on LinkedIn: https://www.linkedin.com/in/steven-puriLearn more about Sukha: https://www.thesukha.co The Pact Honor the Startup Podcast Pact! If you have listened to TSP and gotten value from it, please:Follow, rate, and review us in your listening appSubscribe to the TSP Mailing List to gain access to exclusive newsletter-only content and early access to information on upcoming episodes: https://thestartuppodcast.beehiiv.com/subscribe Secure your official TSP merchandise at https://shop.tsp.show/  Follow us here on YouTube for full-video episodes: https://www.youtube.com/channel/UCNjm1MTdjysRRV07fSf0yGg Give us a public shout-out on LinkedIn or anywhere you have a social media followingKey linksGet your question in for our next Q&A episode: https://forms.gle/NZzgNWVLiFmwvFA2A 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-mcarthurIntro Voice: Jeremiah Owyang https://web-strategist.com/

What happens when you take some of our most popular episodes and turn them into songs?... You get a soundtrack! That's right, TSP is expanding by bringing you original music to elevate your experience when listening to The Speakher Podcast.Support the showFB @thespeakherpodcast | IG @camille.essick | camilleessick.com YT: CamilleEssick "Where Innovators & Creators Connect".**I do not own the rights to this music.**

Updates available on militarymoneymanual.com/shutdown Air Force Aid Society – Falcon Loans up to $1,500 and Standard Assistance, up to 24 months of repayment. Space Force also eligible. Navy-Marine Corps Relief Society – Quick Assist Loan and Financial Assistance available Army Emergency Relief – Normally assistance available same day but no later than 48 hours. AER will provide rapid, zero-interest loans to help cover financial needs until normal operations and back pay resume. Assistance is available up to the amount of one net paycheck (maximum $6,000), with repayment beginning once pay is restored. If you or someone you know may be affected, please share this information. More information here. Coast Guard Mutual Assistance – Quick Loan program up to $1,000, Shutdown Loan up to 1 month's BAH per month USAA Government Shutdown Program 0% loan, credit check required, up to $6,000 Navy Federal Government Shutdown Assistance, Paycheck Assistance Program 0%, no credit check required, up to $6,000 PenFed Service Credit Union Spencer Reese delivers a timely solo episode addressing the 2025 federal government shutdown and its impact on military families. Recorded on October 8th, just days into the shutdown, this episode provides practical, actionable guidance on navigating the financial challenges of missed paychecks, accessing zero-interest loans from military-friendly banks, and protecting yourself from shutdown-related scams. While the Military Money Manual typically focuses on evergreen content, this episode addresses an urgent situation affecting active duty service members, federal employees, and military contractors. Topics Covered Government Shutdown Basics: Active duty military deemed mission essential, must continue reporting to work October 1st paycheck protected (work performed in September) October 15th paycheck at risk Historical precedent: 2018-2019 Coast Guard missed paychecks for 35 days Backpay is guaranteed by law once shutdown ends Veterans, retirees, VA disability, and Social Security payments protected (separate funding sources) USAA Government Shutdown Assistance Program: https://www.usaa.com/support/government-shutdown-program/ Zero-interest loan: $500-$6,000 based on last direct deposit amount Requirements: Direct deposit established before shutdown, at least one qualifying deposit in 30 days prior, US/military address (APO/FPO/DPO), credit approval required Repayment: 3 months, two equal installments (first payment ~60 days, second ~90 days) Additional relief: Auto/property insurance payment relief Credit cards: 3-month payment extension Consumer loans: 2-month extension with no interest Overdraft fees waived Home equity lines: 3-month payment extension Navy Federal Paycheck Assistance Program: https://www.navyfederal.org/about/government-shutdown.html Zero-interest loan: $250-$6,000 based on last direct deposit Major advantages: No credit check, not reported to credit bureaus Eligibility: Federal employees, active duty service members, federal contractors paid directly by government (broader than USAA) Registration deadline: Day before scheduled payday for funds on normal pay date (can register up to 3 days after, but won't receive funds immediately) Automatic repayment: Once direct deposit resumes, Navy Federal automatically deducts loan amount Backup repayment: If shutdown continues, repayment occurs 6 days after loan receipt Service Credit Union Options: 0% APR for up to 4 months No payments for up to 90 days Up to $5,000 for qualifying members Standard underwriting criteria applies (may require credit check) Military Aid Societies (All Interest-Free): Air Force Aid Society – Falcon Loans up to $1,500 and Standard Assistance, up to 24 months of repayment. Space Force also eligible. Navy-Marine Corps Relief Society – Quick Assist Loan and Financial Assistance available Army Emergency Relief – Normally assistance available same day but no later than 48 hours. AER will provide rapid, zero-interest loans to help cover financial needs until normal operations and back pay resume. Assistance is available up to the amount of one net paycheck (maximum $6,000), with repayment beginning once pay is restored. If you or someone you know may be affected, please share this information. More information here. Coast Guard Mutual Assistance – Quick Loan program up to $1,000, Shutdown Loan up to 1 month's BAH per month Historical Context: 2011: Near shutdown (averted) 2013: 16-day shutdown 2018: 3-day shutdown 2018-2019: 35-day shutdown (Coast Guard NOT paid) Bipartisan political theater regardless of which party controls Congress Military pay typically protected by last-minute "Pay Our Troops Act" Immediate Action Steps Reduce non-essential expenses - No big purchases or travel bookings Contact lenders - Request payment deferrals on mortgage, car, rent, student loans, credit cards Apply for 0% loans - Through USAA, Navy Federal, or Service Credit Union if needed Reach out to aid societies - Before considering any payday loans, auto title loans, or carrying credit card debt Watch for scams - Only use verified websites (USAA.com, NavyFederal.org), hang up and call back on suspicious calls Long-Term Action Steps Build an emergency fund - Minimum $1,000, ideally $10,000+ Switch to military-friendly bank - If current bank doesn't offer shutdown assistance Break paycheck-to-paycheck cycle - If missing one paycheck derails your finances, you have a financial emergency Turn off the news - Constant updates increase anxiety without adding value Focus on what you can control - Maintain internal locus of control Critical Security Warnings Scam Prevention: Only access programs through official websites: USAA.com and NavyFederal.org DO NOT use payday lenders or auto title loan companies DO NOT go through intermediaries If you receive a phone call claiming to be from Navy Federal or USAA, hang up and call back using verified number from app or official website Verify all communications independently Key Takeaways Don't panic - This has happened before and will likely happen again You will be backpaid - Military pay typically protected; backpay is guaranteed by law Assistance is available - Multiple 0% loan options and interest-free aid society loans Use this as motivation - Build financial resilience and emergency funds Emergency funds are essential - Perfect example of why military members need cash reserves Related Episodes Episode 95: Previous government shutdown episode (check for still-relevant information) Resources & Links Military-Friendly Banks: USAA.com - Government shutdown assistance NavyFederal.org - Paycheck assistance program Service Credit Union - Shutdown loan program Military Aid Societies (Interest-Free Loans): Air Force Aid Society - Covers Air Force and Space Force Navy Marine Corps Relief Society - Quick assist loans Army Emergency Relief - Same-day to 48-hour assistance Coast Guard Mutual Assistance - Quick loan program Apply for Assistance: Register with Navy Federal by day before payday for funds on schedule USAA requires credit approval (new requirement) Aid societies offer interest-free alternatives to commercial loans Who This Episode Is For Active duty military facing potential missed paychecks Federal employees impacted by shutdown Federal contractors paid directly by government Military spouses managing finances during shutdown Anyone needing immediate financial assistance during government disruptions Contact Information Host: Spencer Reese Connect: Website: MilitaryMoneyManual.com Instagram: @MilitaryMoneyManual Share this episode with others in your unit or squadron so they know the steps to take during a government shutdown. Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 20,000 military servicemembers and military spouses have graduated from the 100% free course available at militarymoneymanual.com/umc3 In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, including waived annual fees, on elite cards like the American Express Platinum Card® and the Chase Sapphire Reserve® Card. https://militarymoneymanual.com/amex-platinum-military/ https://militarymoneymanual.com/chase-sapphire-reserve-military/ Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3 If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. Want to be confident with your TSP investing? Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE! If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.

What happens when AI stops being a product and starts being a platform?With OpenAI's latest Dev Day changing the game, we might find out sooner rather than later. In this episode, Chris and Yaniv explore OpenAI's Dev Day and the huge announcements made (including the Sora 2 launch), as well as their apparent transformation from product to platform. In other tech news, the guys dive into Anthropic's open-source counterpunch with Claude's Agent SDK, along with Apple's controversial censorship call - all while analyzing what all of this means for startup founders building in the AI era.In this episode, you will:Understand how SDK, OpenAI's new ChatGPT App, turns AI into a full developer ecosystemLearn about “platform risk”,and how founders can avoid being crushed by itCompare OpenAI's walled-garden strategy to Anthropic's open, Unix-inspired approachExamine the launch of Sora, OpenAI's new AI video social network, and why it mattersDebate whether large tech companies can ever succeed in building new social platformsAnalyze Apple's ICE Block takedown and what it says about censorship in curated ecosystemsThe Pact Honor the Startup Podcast Pact! If you have listened to TSP and gotten value from it, please:Follow, rate, and review us in your listening appSubscribe to the TSP Mailing List to gain access to exclusive newsletter-only content and early access to information on upcoming episodes: https://thestartuppodcast.beehiiv.com/subscribe Secure your official TSP merchandise at https://shop.tsp.show/  Follow us here on YouTube for full-video episodes: https://www.youtube.com/channel/UCNjm1MTdjysRRV07fSf0yGg Give us a public shout-out on LinkedIn or anywhere you have a social media followingKey linksGet your question in for our next Q&A episode: https://forms.gle/NZzgNWVLiFmwvFA2A 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-mcarthurIntro Voice: Jeremiah Owyang https://web-strategist.com/

How does a fee-only firm grow without losing its purpose? In this episode, we talk with Sean Gillespie, president of Redeployment Wealth Strategies, about the lessons behind raising fees, building the right team, and serving military families with care and consistency.Sean explains why their first-year planning fee reflects the real work of sorting through insurance, TSP choices, and transition planning, and how they keep ongoing service affordable for younger service members.One story sums it up well: a client calls mid-PCS, asking if they can buy a beach house near family. Within a minute, Sean knows the answer and the funding source. That's the value of clear planning—fast decisions, managed risks, and confidence in the next step.We also discuss why “hire us for returns” is a losing pitch, how RWS uses a passive, factor-based approach, and what it takes to hire and train through SkillBridge. Sean shares how their firm grew by focusing on character over titles and why their biggest competitor isn't another advisor—it's Google.Finally, he explains how they simplified compliance by co-founding Apforia, an SEC-registered umbrella that helps independent firms keep their brand while easing regulatory headaches.If you care about fair pricing, meaningful planning, and building a business that lasts, this conversation is full of practical lessons you can use.Episode #44 with Sean:https://www.buzzsprout.com/1943910/episodes/12637266Website: https://www.redeploymentwealth.com/Linkedin: https://www.linkedin.com/in/sean-gillespie-1801316/

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When we think about financial threats, inflation, taxes, and debt are often the first that come to mind. But Scripture tells us there's a deeper, more dangerous threat—covetousness. Left unchecked, it poisons our joy, drives us to make poor financial choices, and blinds us to God's generosity.Covetousness is more than wanting what we don't have. It's a disordered desire that whispers: “I must have that to be happy, safe, or fulfilled.” Paul warns in Colossians 3:5, calling covetousness “idolatry.” Why? Because it dethrones God and places possessions on the throne of our hearts.In our finances, covetousness often manifests subtly—comparing our homes to those of our neighbors, upgrading cars that are still running well, or chasing investments out of envy. These patterns reveal misplaced worship.The Antidote: Contentment in ChristThe opposite of covetousness isn't deprivation—it's contentment. In Philippians 4:11–13, Paul testifies that he has learned contentment in every circumstance through Christ's strength.Contentment doesn't come naturally—it's cultivated. And when we trust in God's abundance, we no longer grasp at what others have. Instead, we rest in His provision. Think of Jesus feeding the 5,000: what looked like scarcity became abundance in His hands.Social media magnifies our envy, turning vacations, houses, and life stages into comparison traps. The tenth commandment—“You shall not covet”—goes straight to the heart, reminding us that God cares not just about our actions but about our desires.If you feel this struggle, take heart—you're not alone. The Spirit empowers us to shift from envy to gratitude, from restless striving to restful trust.Practical Steps to Combat CovetousnessFighting covetousness is not about self-shame—it's about redirecting our worship. Here are three practices rooted in Scripture:Practice Gratitude—1 Thessalonians 5:18 calls us to give thanks in all circumstances. Keeping a daily gratitude list shifts focus from what's missing to what God has given. Budget as Worship—A budget isn't just restrictive—it's a discipleship tool. By directing money toward giving, saving, and wise spending, we declare, “Lord, I want You to guide my resources.” Give Generously—Paul urges believers to “be rich in good works, generous and ready to share” (1 Tim. 6:18). Every gift declares that our identity is not in what we own but in who owns us.Redirecting Desire Toward ChristJesus warns in Luke 12:15: “Take care, and be on your guard against all covetousness, for one's life does not consist in the abundance of possessions.” The rich fool who built bigger barns illustrates the danger of letting wealth replace intimacy with God.Covetousness dies when Christ becomes enough. Hebrews 13:5 reminds us: “Keep your life free from love of money, and be content with what you have, for He has said, ‘I will never leave you nor forsake you.'”At its root, covetousness is a worship issue. We long for what others have because our hearts are restless for the only One who satisfies. St. Augustine put it well: “You have made us for Yourself, O Lord, and our heart is restless until it rests in You.”The cure isn't less desire but rightly directed desire—desire fulfilled in Christ. When we practice gratitude, budget as worship, and live generously, we shift our gaze from possessions that perish to a Savior who is more than enough.On Today's Program, Rob Answers Listener Questions:We sold our house after some delays, but in the meantime, I withdrew funds from my IRA, intending to pay them back within 60 days. Since the sale took longer, are there any IRS rules or options to reduce the taxes on that withdrawal?I'm turning 59½ and retiring early. I have a TSP and the option to roll it into a fixed index annuity with a bonus from Allianz. What's your perspective on this type of annuity?We sold a property through owner financing after owning it for 15 years, though it wasn't our primary residence. When should I report the taxes, and is it treated as a long-term capital gain? Is there any tax benefit to having held it long-term?My sister has money sitting in a savings account that earns very little interest, and my name is also on it. Since she doesn't use email, could I open a joint high-yield online savings account with my email, transfer the funds there, and earn more interest?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Christian Community Credit Union (CCCU)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

The number of so-called TSP millionaires is continuing to go up. As of October 1st, nearly 190,000 participants in the Thrift Savings Plan have accounts totaling over $1 million. That's about 2.6 percent of all TSP accounts across the board. It also means roughly 19,000 more feds have crossed the million-dollar threshold in the last three months. Most TSP millionaires have spent decades investing in their accounts.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Starting in January 2026, TSP participants will be able to convert traditional funds to Roth accounts within the plan. It's a powerful new option that could boost long-term returns...but it also comes with immediate tax consequences and requires careful planning. Certified financial planner Art Stein is here to walk us through the pros and cons.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Today on the Federal Drive with Terry Gerton The shutdown and CISA lapse expose new cracks in America's cyber defenses The World Cup and America's 250th are colliding into one massive public safety test A new TSP option brings opportunity and tax risk. Smart conversions require careful planningSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Spencer Reese and Jamie deliver a no-nonsense, tough-love episode for military families struggling with paycheck-to-paycheck living. This episode cuts through excuses and provides three immediate, actionable steps to regain control of your finances and stop the financial bleeding. If you're stressed about money, fighting with your spouse about finances, or feeling overwhelmed and behind—this episode is your emergency action procedure. Topics Covered Three Immediate Actions: Delete Social Media Apps - Remove the influence of billions of advertising dollars designed to manipulate your spending decisions Create Intentional Inconvenience - Delete delivery apps (DoorDash, Uber Eats), switch to debit cards or cash, freeze credit cards, eliminate "buy now, pay later" options Cancel All Subscriptions - Cut Netflix, Disney+, Amazon Prime, Spotify, and every other recurring charge until you're financially stable Key Financial Concepts: Emergency action procedures for financial crises The power of adding friction to spending habits - will power vs. won't power Why making life temporarily uncomfortable leads to long-term wealth Technology spending (why kids don't need $1,600 iPhones) The importance of game selection in personal finance Emergency funds turning emergencies into inconveniences Net worth tracking as a behavioral tool The Wealth Ladder Framework (Nick Maggiulli): Level 1: Less than $10,000 net worth - Focus on avoiding financial traps Level 2: $10,000-$100,000 - Avoid buying houses you can't afford, keep working hard, invest in TSP and Roth IRA Level 3: $100,000-$1 million - Where compound growth accelerates Level 4: $1 million-$10 million - Achievable for military families over a career Levels 5-6: $10 million+ - Beyond most military aspirations Common Military Family Mistakes: Spending more on housing than BAH covers Buying houses with 0% down and getting stuck Purchasing vehicles beyond their means Lifestyle inflation and comparison spending Technology overspending on devices and subscriptions Long-term vs Short-term Strategy: Short-term (Emergency Mode): Cut expenses, save the difference, get out of debt Long-term (Wealth Building): Increase income, spend on what matters, maintain healthy savings rate Books & Resources Mentioned Books: The Comfort Crisis by Michael Easter - On the benefits of doing hard things The Opt-Out Family - On intentional family living Taking Your Family Back - Family relationship guidance The Anxious Generation - On technology's impact on children Dave Ramsey's principles (referenced) Tools & Resources: Libby app - Free audiobooks and ebooks MWR library system - Free military library access Net worth tracking tools Cash envelope system for budgeting Military OneSource - Free financial counseling Base financial counseling services Concepts Referenced: Nick Maggiulli Wealth Ladder framework Dave Ramsey's "pay yourself first" principle Emergency fund philosophy The 12-step program approach to financial recovery Key Quotes "Life begins just outside your comfort zone." "You have to be careful about game selection because you can win at the wrong game." "If you're the problem, you're also the solution." "As you build wealth, you stop having emergencies." "Your overspending isn't hurting me. It's not hurting Jamie. It's only hurting you and your loved ones." "You don't need to wait for financial independence to start living like you're financially independent." Practical Examples Shared Spencer's story: Freezing credit card in ice as a young lieutenant Jamie's debit card sleeve with debt payoff reminders The $1,000 emergency oil pan repair that didn't derail finances Military families spending $3,000 on housing with $2,000 BAH Hawaii homeowner unable to sell due to rising HOA fees 2022 home purchase with 0% down, now unable to sell Peloton subscription cancellation saving $132 over 3 months First graders with iPhones creating peer pressure Target Audience This episode is specifically for: Military families living paycheck to paycheck Service members stressed about money Couples fighting about finances Anyone in credit card debt or feeling financially overwhelmed Military spouses managing finances during deployments Young service members (E1-E5, O1-O3) establishing financial foundations Anyone ready to make radical changes to their financial situation Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 20,000 military servicemembers and military spouses have graduated from the 100% free course available at militarymoneymanual.com/umc3 In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, including waived annual fees, on elite cards like the American Express Platinum Card® and the Chase Sapphire Reserve® Card. https://militarymoneymanual.com/amex-platinum-military/ https://militarymoneymanual.com/chase-sapphire-reserve-military/ Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3 If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. Want to be confident with your TSP investing? Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE! If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.

Welcome to Episode 335 of the Total Saints Podcast – your home for all things Southampton Football Club!Plenty to cover this week:Derby Review – A 1–1 draw at Pride Park, and another frustrating afternoon for Will Still's Saints. Ross Stewart limped off again, and despite taking an early lead through Adam Armstrong, Saints failed to build on it. With just one shot on target after the break, are we really improving – or just standing still?Sheffield United Review – A scrappy 2–1 win on the road. Ross Stewart's brace sealed the points, but it was far from comfortable. Did Saints finally turn a corner, or did they just get away with one?Will Still Discussion – Four points from six looks good on paper, but has the mood really lifted? With the international break ahead, we ask whether Saints are still searching for their identity – and if patience is starting to wear thin.Player of the Week – After Nathan Wood took the honours last week, who stood out this time? Alex McCarthy, Ross Stewart, Adam Armstrong, and Wood himself all in contention.Saints Women & U21s – Wins all round. The Women beat Birmingham 2–1 away (Primus and Peplow on target), while the U21s thrashed Derby 4–1 to stay unbeaten in Premier League 2.Links & Support

What happens when a founder who took a taboo health topic mainstream decides to reinvent pet care? In this Spotlight episode of The Startup Podcast, former Hims co-founder Joe Spector faux-pitches his startup Dutch, a telemedicine platform making veterinary care accessible, affordable, and convenient.Most founders fear tough questions from investors, this episode shows what happens when they face them live. Discover how Joe applies lessons from scaling a billion-dollar company to a completely different market, and how understanding regulation, timing, and storytelling can make or break your pitch.In this episode, you will:Discover what makes a founder “fundable”, beyond just a good ideaUnderstand how Joe Spector scaled Hims and is now using those insights to disrupt pet telehealth with DutchExplore how regulatory insight can become a startup's biggest competitive moatSee why subscription-based business models drive valuation and recurring growthFind out how Dutch makes pet care up to 10x cheaper while creating flexible jobs for veterinariansHear expert commentary from Chris and Yaniv on storytelling, founder credibility, and investor psychologyLearn more about Dutch: https://www.dutch.com/Connect with Joe: https://www.linkedin.com/in/joespector The Pact Honor the Startup Podcast Pact! If you have listened to TSP and gotten value from it, please:Follow, rate, and review us in your listening appSubscribe to the TSP Mailing List to gain access to exclusive newsletter-only content and early access to information on upcoming episodes: https://thestartuppodcast.beehiiv.com/subscribe Secure your official TSP merchandise at https://shop.tsp.show/  Follow us here on YouTube for full-video episodes: https://www.youtube.com/channel/UCNjm1MTdjysRRV07fSf0yGg Give us a public shout-out on LinkedIn or anywhere you have a social media followingKey linksGet your question in for our next Q&A episode: https://forms.gle/NZzgNWVLiFmwvFA2A 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-mcarthurIntro Voice: Jeremiah Owyang https://web-strategist.com/

TSP #2213 — Kerry Cassidy (Tonight 6 PM ET) Kerry Cassidy is the founder and driving force behind Project Camelot, one of the most influential platforms in the truth and disclosure community. Since 2006, she has pioneered a bold and independent style of journalism, conducting guerilla-style interviews with whistleblowers, insiders, experiencers, and researchers on the front lines of black projects, advanced technology, UFOs, and covert operations. Through Project Camelot, Kerry has given countless voices a platform when few others would, building an unparalleled archive of testimony that has shaped and inspired the global alternative research community. Her work is marked by persistence, fearlessness, and a deep commitment to seeking truth outside the boundaries of mainstream narratives. With over a decade of investigations and hundreds of interviews spanning intelligence operatives, military insiders, scientists, and experiencers, Kerry continues to be recognized as a trailblazer in the field of disclosure and an unwavering advocate for free speech in the digital age. False Flag or Real Hit? Kerry Cassidy on Charlie Kirk, White Hats, Juan O'Savin & The Union of Opposites Tonight, Rob digs into Kerry Cassidy's latest claims about the Charlie Kirk incident—alleged doubles, witness protection, and a larger white-hat operations storyline. We'll cover why she believes the footage is altered, her open message to “Juan/JFK Jr.”, and how “union of opposites” fits her framework for ending the control matrix. Plus wider currents: Anunnaki geopolitics, Trump, and information warfare in 2025. Bring your questions live. Why Kerry thinks the Kirk video is altered + the “ring changes hands” clue. “Charlie alive/faked death” and the role of doubles. “Letter to Juan (JFK Jr.)” and her demand for full disclosure. “Union of Opposites” & psy-op de-escalation through truth. How this ties to her broader ET/Anunnaki geopolitics lens. Hashtags #KerryCassidy #ProjectCamelot #CharlieKirk #WhiteHatOps #FalseFlag #WitnessProtection #Disclosure #InfoWar #TSP #TypicalSkeptic Tags (YouTube) Kerry Cassidy, Project Camelot, Charlie Kirk, white hat operations, doubles, Juan O'Savin, JFK Jr, psy-op, altered footage, Anunnaki, disclosure, Typical Skeptic Podcast On-screen Disclaimer “This conversation explores claims and analysis from our guest. Allegations are unverified. We encourage viewers to research from multiple sources and form their own conclusions as with every guest on the Typical Skeptic Podcast" Kerry Cassidy Links: Project Camelot on Telegram: T.me/projectcamelotKerry Project Camelot Website: ProjectCamelotPortal.com Substack: @KerryCassidy Typical Skeptic Podcast Links and Affiliates:

Explore practical retirement planning strategies and gain clarity on key financial decisions in this engaging episode of the Retire Sooner Podcast. Wes Moss and Christa DiBiase discuss common questions and considerations for savers and soon-to-be retirees, providing perspectives on investment options and long-term planning frameworks. • Discover how a focused 30-minute financial conversation between spouses about income, assets, and liabilities can reduce uncertainty and help families feel more organized and informed in their money matters. • Understand why nearly half of Americans do not have a written financial plan and what this may indicate for retirement preparedness. • Clarify retirement account protections within TSPs, along with rules for required minimum distributions (RMDs) and available investment options after age 73. • Examine UTMA and UGMA accounts for minors, including potential tax implications, gifting considerations, and impact on financial aid eligibility. • Consider when a financial planner may be appropriate, approaches to managing planning-related FOMO, and the features of advisory services offered by various firms. • Explore the 0.01% Rule of thumb and how it may guide thinking about saving versus spending without implying specific outcomes. • Review historically effective withdrawal rates, including whether a paid-off home could influence planning assumptions and evolving perspectives on the 4% rule of thumb. • Assess strategies such as “buy, borrow, die”, including potential tax considerations, leverage, and portfolio risk factors. • Compare keeping assets in a TSP for Roth conversions versus transferring them to another custodian, considering fees and investment options. Gain perspective and knowledge to help support thoughtful retirement planning decisions—listen now to the Retire Sooner Podcast. Learn more about your ad choices. Visit megaphone.fm/adchoices

OpenAI just launched ChatGPT Pulse, a succinct, personalized daily feed. Will this shift the focus of AI from performance to personal context? Or is it just an overhyped, overpriced daily digest? In this episode, Chris and Yaniv get right into this week's tech news: the reality of ChatGPT Pulse, plus the wider implications of Hollywood's first AI actress, Tilly Norwood; Amazon's record-breaking $2.5B fine for deceptive Prime signups and the lessons founders can learn from it; and plenty more.In this episode, you will:Understand why context, not just performance, is becoming the new moat in AI.Explore how ChatGPT Pulse signals OpenAI's strategy against Google and Apple.Debate whether AI-generated actors like Tilly Norwood have a real future in Hollywood.Learn what Amazon's $2.5B FTC settlement teaches about dark patterns and user trust.Identify the regulatory risks startups must consider when designing growth funnels.Discover why Anthropic is shifting focus to enterprise and coding workflows.Reflect on how distribution and lock-in, not just innovation, shape the competitive landscape.The Pact Honor the Startup Podcast Pact! If you have listened to TSP and gotten value from it, please:Follow, rate, and review us in your listening appSubscribe to the TSP Mailing List to gain access to exclusive newsletter-only content and early access to information on upcoming episodes: https://thestartuppodcast.beehiiv.com/subscribe Secure your official TSP merchandise at https://shop.tsp.show/  Follow us here on YouTube for full-video episodes: https://www.youtube.com/channel/UCNjm1MTdjysRRV07fSf0yGg Give us a public shout-out on LinkedIn or anywhere you have a social media followingKey linksGet your question in for our next Q&A episode: https://forms.gle/NZzgNWVLiFmwvFA2A 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-mcarthurIntro Voice: Jeremiah Owyang https://web-strategist.com/

On this weeks episode of TSP we are happy to be joined by TikTok influencer, beer consumer/reviewer, and professional chef, Abe! follow him on TikTok and Twitch:  ⁨@AbeInTheKitchen⁩  We discuss his passion for food and his journey to the kitchen and how it all started. We also discuss his social media influence and his connection with his community. We talk beer, food, and so much more!

Planning a trip to Switzerland? In this episode, we'll walk you through the ultimate 8-day Switzerland itinerary, filled with must-see sights, local highlights, and tips to maximize your adventure. Discover Interlaken's stunning landscapes, immerse yourself in the alpine magic of Zermatt, and soak in the history and charm of Lucerne. Perfect for first-time visitors or seasoned travelers looking for inspiration, this guide is your key to experiencing Switzerland at its best.Check out our Switzerland Itineraries: 8 Day Summer Switzerland Itinerary, 4 days in Interlaken, 2 days in Zermatt, & 2 days Lucerne Switzerland Tips & Must Visit Places Episode Highlights: Top of Europe: JungfraujochStaubbach Falls- Interlaken Lauterbrunnen- Interlaken Oeschinensee Lake Hike- Interlaken Gornergrat Railway - ZermattRiffelsee - Riffelberg via Gornergrat Hike- ZermattLion Monument- Lucerne,Musegg Wall- Lucerne Stoos Ridge Hike- Lucerne Our top recommended Hotels in Bern, Switzerland Hotel Moxy Bern  Hotel Jardin BernHotel Bären am BundesplatzIf these hotels are fully booked, you can also check out other great hotel options in Bern.Check out our Switzerland Activities & Tours, featuring the top experiences we recommend, plus a few we couldn't fit in but are worth adding to your own itinerary.Find a great flight deal to Switzerland 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!

Think military divorce means automatically splitting everythign 50/50 and going to court? Wrong on both counts! Certified Divorce Financial Anaylst David Smith reveals what most military families get wrong and what it costs them! In today's episode, we'll discuss the complex financial and logistical aspects of military divorce, covering everything from pension division to healthcare benefits, tax implications, and emotional support strategies. Key Topics Jurisdiction & Legal Considerations Multiple state options for filing (voting state, property ownership state, driver's license state, tax filing state) Importance of consulting with an attorney early to determine proper jurisdiction Each state has different rules, formulas, and processes JAG office can provide consultation but cannot represent service members in divorce proceedings Types of Divorce Processes Four main options: DIY without professionals, mediation, collaborative divorce, litigation Court is NOT the only option Out-of-court processes (mediation, collaborative) are often more cost-effective, private, and less stressful Consulting attorneys vs. representing attorneys - different roles and costs Military Pension Division Division is not the only option - can use offsetting with other assets Must determine what portion is "marital" vs. "separate" property Not all pension components are divisible (e.g., VA disability) Requires a Military Retirement Pay Division Order through DFAS Differences between active duty, reservist, and guard member pensions Survivor Benefit Plan (SBP) Critical considerations: Only ONE SBP beneficiary can be named Previous spouses from earlier marriages may already occupy the "SBP chair" Premium costs must be negotiated Former spouse can be SBP beneficiary even without receiving pension payments Time-sensitive: Required forms must be submitted within specific timeframe or rights are lost Cannot be automatically transferred - requires proper paperwork TRICARE Benefits Courts CANNOT order TRICARE coverage - falls under federal rules Key rules: 20-20-20 (full benefits for life), 20-20-15 (transitional benefits) Based on: length of marriage, service member's creditable years, overlap period COBRA-like option available if don't meet other rules GI Bill Transfer Must be transferred WHILE married - cannot go to former spouse after divorce Service member can rescind the transfer Can be transferred to children as alternative Settlement agreement language is critical to protect this benefit Thrift Savings Plan (TSP) Multiple TSPs possible (civilian federal employee spouse, reservist who went active duty) Pre-tax and Roth portions have different tax consequences Must account for outstanding loans Requires Retirement Benefits Court Order (different from pension division order) Not always split - can use offset method with other assets Other Unique Military Assets to Consider Military leave - has monetary value on LES Credit card points and miles - can be worth $30,000-$40,000 USAA Subscriber Savings Account Pets - especially valuable show animals Life insurance policies Tax Implications Filing status changes Tax bracket shifts Capital gains considerations when dividing assets Pre-tax accounts (traditional IRA, 401k) vs. post-tax accounts have different real values Child tax credits and claiming dependents Early withdrawal penalties Marital vs. Separate Property Separate property: assets brought into marriage, inheritances, gifts (if kept separate and not commingled) Marital property: everything accumulated during marriage Characterization process is essential before division discussions Financial Mistakes to Avoid Making verbal agreements before completing full financial inventory Not understanding tax consequences of asset division Overlooking hidden assets (leave balance, points/miles, etc.) Rushing decisions - most divorce decisions have no do-overs Not considering pre-tax vs. post-tax asset values Misclassifying assets as marital or separate Practical First Steps Learn about all four divorce process options If abuse is present, seek legal counsel immediately Open credit card and bank account in your own name Create timeline of important dates and duty stations Gather supporting documents (tax returns, bank statements) in cloud storage Document account numbers, login credentials, passwords Consider consulting with CDFA before hiring representing attorney Supporting Someone Through Divorce Listen deeply and empathetically Avoid projecting your own divorce experience onto theirs Don't rush them into decisions Offer practical help (childcare, meals, house cleaning) Point them to resources (counselors, family services, professionals) Give them breathing room Key Takeaways Divorce in the military involves unique complexities beyond civilian divorces Court is not the only option - consider mediation or collaborative processes Complete financial inventory BEFORE making division decisions Everything accumulated during marriage is generally marital property Professional guidance (CDFA, attorney consultation) is an investment, not just a cost Most divorce decisions are final with no do-overs - take time to understand options Resources & Links David's website: sandoakdivorcesolutions.com Free 30-minute phone consultations available David's LinkedIn: linkedin.com/in/davidsmithcdfa/ Find a CDFA through Institute for Divorce Financial Analysts: institutedfa.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 20,000 military servicemembers and military spouses have graduated from the 100% free course available at militarymoneymanual.com/umc3 In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, such as waived annual fees, on elite cards like The Platinum Card® from American Express and the Chase Sapphire Reserve® Card. https://militarymoneymanual.com/amex-platinum-military/ https://militarymoneymanual.com/chase-sapphire-reserve-military/ Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3 If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. Want to be confident with your TSP investing? Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE! If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.

Have you ever stood in line for something free and realized it actually wasn't worth it? That moment sparked today's guest, Army veteran and financial planner Rob Moore, to develop a simple but actionable framework he calls flipping the value. Rob is the founder of Everman Prosperity, where he helps military families and those in transition make confident financial decisions. ​ In our chat, we discuss how flipping the value works in everyday life, from outsourcing chores to buying cars to choosing experiences over stuff, and why this perspective can help you avoid guilt, cut down on regret, and actually enjoy your decisions. We also dig into financial planning challenges unique to the military community, like the TSP, liquid savings, and preparing for retirement with confidence. Don't miss the end, we wrap things up with some fun trivia in honor of Rob's career as an Army percussionist. https://milmo.co/podcast/flipping-value For more MILMO, follow at: MILMO.co ItsMILMO on YouTube @itsmilmo on X @itsmilmo Instagram @itsmilmo LinkedIn @itsmilmo Facebook

We're taking you to the newest wellness escape in Central Texas. Ottine Mineral Springs is about an hour drive from Austin ultimate day and makes a great day trip destination to soak in mineral springs pools, relax in the sauna, lounge in comfy beds, and make a day of it with food and drinks. We share a full walkthrough of the spa experience: reflexology pools, hot & cold plunges, barrel saunas, wood-fired pizzas, frozens, and tease what's coming soon with yoga, sound baths, more pools, and a hotel!Where to stay in Gonzales, TX: Belle Oaks Inn, a gorgeous manor property and The Alcalade, a classic stay.Find a great flight deal to a major Texas city near Ottine by signing up for Thrifty Traveler Premium and watching the daily flight deals (points & cash) that are emailed directly to you! 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.

Dr. Ken Berry is back on the show today. If you've been around TSP for a while, you know Ken doesn't pull punches. He was on our Expert Council for years and has always brought the heat when it comes to calling out the failures of modern healthcare. Today, we're talking about something that could literally save your life. Understanding your own bloodwork. Ken's new book, Common Sense Labs, co-written with Kim Howerton, is all about lab literacy. It shows regular folks how to read their labs without needing a PhD. Tired of hearing “everything looks fine” while you feel … Continue reading →

A candid hour on consumer self-defense. We open with iOS 26's unknown-caller screening and a New York Times crime reporter nearly duped by a “Chase Bank” spoof—lesson: don't trust caller ID, don't transact with inbound callers, verify via the number on your card or the bank app, and remember spoofed numbers make simple blocking imperfect. Listeners jump in: a Rule of 55 correction (not 72(t)/72(q)), plus a sharp TSP/Roth asset-location play—keep core market cap in TSP, use Roth for small-value tilt (e.g., AVUV). Then the consumer beat: Florida HVAC sticker shock and why three bids matter. Scam watch flags Smart Lab International's “AI” sports-betting/trading scheme and crypto funding as Ponzi-ish red-flags. We close on the fiduciary fog—why “certified fiduciary” labels can hide annuity sales—and reject structured notes/buffer ETFs in favor of a simple, low-cost balanced portfolio that matches risk to need. 1:07 New iPhone feature screens unknown callers 1:58 Scam calls and “scam du jour” routine 3:05 NYT crime reporter nearly falls for Chase/Zelle spoofing scam 6:23 Why scams work when people let their guard down 7:00 Don't trust caller ID, best practices for bank contacts 8:24 Zelle vs. Venmo debate and practical use cases 9:34 Caller correction on Rule 55 vs. 72Q/72T 10:58 Listener Brian on TSP allocation and AVUV tilt 13:07 Tom's buffer/puffer joke flop 13:44 Advice on blocking spoofed numbers and safer verification 15:00 Segue into consumer issues beyond investing 16:06 History of Florida's heat and AC dependency 16:43 Air conditioning repair and wild $11k vs. $4.7k quotes 19:22 Tom's ongoing heat pump saga 21:10 Bob Cratchit fireplace joke 21:14 Listener Q&A from Nibley, Utah about Smart Lab “AI trading” scheme 24:28 What Smart Lab claims to do (AI sports betting + trading) 26:23 Company origins in Malta, Seychelles, now Ho Chi Minh City 27:57 Ponzi-like structure and risks with crypto-based platforms 29:16 Closing advice: don't nibble on Smart Lab 29:27 Caller John on fiduciary standards and insurance sales 32:28 Exposure of “Certified Financial Fiduciary” designations and insurance sales tactics 34:46 Caller Rajiv on structured notes vs. buffer ETFs 36:02 Simplicity of balanced portfolios over complex gimmicks Learn more about your ad choices. Visit megaphone.fm/adchoices