Podcasts about TSP

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/

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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.

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/

In this episode of the Go Fast and Win Podcast, I discuss reactions to last week's top of the "life of a professional bettor", concerns people had with future planning at TSP, how I manage mobile wagering and content, a full market briefing of what's going on this week, and I look forward to extending the win streak for the My Handicapping Game of the Week of the Year! Thanks for listening and good luck!

How will the October 2025 government shutdown impact federal employees, retirees, and Social Security recipients? In this video, CD Financial breaks down what you can expect, tips to protect your income, how to bridge financial gaps, and updates on benefits. Get expert retirement and financial planning strategies tailored to the federal workforce. 

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!

A financial advisor doesn't just manage your investments — they design a roadmap to your goals, protect your lifetime income, and adapt your plan when life changes.

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

Welcome to Episode 334 of the Total Saints Podcast – your home for all things Southampton Football Club!Plenty to cover this week:Middlesbrough Review – A 1–1 draw at St Mary's against the Championship leaders. A better performance, but one win in seven raises concerns. Did Will Still's switch back to a back five steady the ship, or just paper over the cracks?Liverpool Review – Predictable Carabao Cup exit at Anfield, but with some positives to take. Did we see glimpses of progress, or just another missed opportunity?Sheffield United Preview – Saints head to Bramall Lane on Tuesday night. With United finally off the mark under new management, can Saints find a way to end their winless run?Derby County Preview – The last game before the international break. With Derby struggling for goals but staying competitive, can Southampton finally take advantage against a side around them in the table?Saints Women – A 1–1 draw with Sunderland leaves Simon Parker's side 6th in WSL2, four points off top spot.Links & Support

Standing out has gotten even more difficult thanks to the flood of AI content, and many early-stage founders mistakenly believe they need to act like corporate brands to be taken seriously.In this episode, Yaniv chats with Christine Blosdale, an award-winning media coach, podcaster, and branding strategist. Together they discuss how authenticity, personal branding, and “expert authority” can give founders a massive edge in today's AI-driven startup landscape.They also explore how to overcome imposter syndrome, use AI responsibly, and build a founder-led brand that attracts talent, customers, and investors.In this episode, you will:Discover why authenticity is now the ultimate differentiator in the age of AI and algorithmic contentLearn how to build “expert authority” to boost your reputation and visibility as a founderOvercome imposter syndrome with practical mindset shifts that make content creation easierApply Christine's tactics for repurposing podcasts, blogs, and videos to scale your personal brandSee why founder-led branding attracts better hires, investors, and partnersCreate a simple media kit to clarify your mission, credentials, and unique value propositionLearn more about Christine here: https://www.christineblosdale.com 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/

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.

What happens to Silicon Valley when the world's best founders and engineers can no longer afford to work in the US? Today, Chris and Yaniv break down why the massive new work visa fee is a tech talent crisis waiting to happen. They discuss how Trump's surprising $100K H-1B fee could reshape startup hiring and the tech sector at large, along with the nitty gritty of Meta's new smart glasses launch, and Figure AI's billion-dollar Series C robots. They also unpack OpenAI's unexpected jobs platform, and what it reveals about the future of AI work.In this episode, you will:Understand how the new $100K H-1B visa fee could drain Silicon Valley of global talentExplore why immigrant founders and startups may shift to Canada, the UK, or AustraliaDiscover how Meta's new Ray-Ban and Oakley smart glasses bring AR into the mainstreamCompare Meta's “bottom-up” approach to Apple's Vision Pro strategy and timingExamine Figure AI's $1B+ raise and the coming battle with Tesla and Chinese robotics firmsEvaluate why OpenAI is launching a jobs platform amid fears of AI job lossLearn actionable insights for founders navigating talent shortages, AR hardware, and AI disruptionThe 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/

When should you retire—62, 65, or 67? The right decision could mean a bigger pension, stronger Social Security benefits, and more years to enjoy your retirement income.

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

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

Don't let inflation erode your retirement — this video shows you how you can protect your 2025 Federal Pension COLA for income liquidity from day one.By rolling over a portion of your TSP into an IRA before retirement and having liquid funds in place, you can increase the quality of the first few months of retirement without delays in your pension COLA or benefits.

Bio / Intro Christopher Jordan is the host of Curious Realm, a podcast that explores the strange, the hidden, and the unexplained—covering everything from ancient civilizations and conspiracy theories to cutting-edge technologies. Known for his engaging and accessible style, Christopher has built a reputation for bringing deep, unusual topics to a wide audience. He is also the author of the Field Observation and Encounter Log, a first-of-its-kind pocket-sized data tool for paranormal, cryptid, and UFO researchers. This log empowers investigators to collect field data with accuracy and consistency, helping push the field toward more credible research standards. Beyond his work in research and podcasting, Christopher composes instrumental music designed specifically to aid “targeted individuals” and experiencers. His album Experiencer: Music for Targeted Minds Vol. 2 blends solar system frequencies, binaural beats, and brainwave entrainment techniques to help reduce PTSD symptoms, calm fears, and guide listeners into deeper meditation. A live audio/video engineer for over 20 years, Christopher also runs Curious Events and HC Productions, providing technical production, event support, and creative media services for both corporate and esoteric/paranormal conferences. Description Tonight on TSP, Rob welcomes Christopher Jordan, host of the Curious Realm podcast, audio engineer, field researcher, and creator of healing music for targeted individuals. Christopher will share his insights into paranormal research tools, the importance of data logging in the field, and the therapeutic role of sound frequencies for those experiencing PTSD, abduction trauma, and other contact phenomena. We'll discuss: The origins and purpose of the Field Observation and Encounter Log His groundbreaking music project designed for experiencers and targeted individuals How frequency and vibration connect to healing and consciousness expansion The challenges and future of credible paranormal and cryptid research His work producing conferences, podcasts, and media in the fringe community Don't miss this deep dive into sound, science, and the unexplained. Hashtags #ChristopherJordan #CuriousRealm #TargetedIndividuals #ParanormalResearch #UFOs #Cryptids #ExperiencerMusic #BinauralBeats #AncientCivilizations #TSPodcast #TypicalSkepticPodcast Tags Typical Skeptic Podcast, Christopher Jordan, Curious Realm, Field Observation Log, Paranormal Research, UFOlogy, Cryptozoology, Experiencer Music, Targeted Individuals, Healing Frequencies, Consciousness, Alternative Media Disclaimer The views and opinions expressed by podcast guests are their own and do not necessarily reflect those of the Typical Skeptic Podcast. This show is for entertainment and informational purposes only.

Dont' fall for these traps! This "convenient" payment option could be sabotaging your financial future and even your security clearance! Military financial expert Lacey Langford returns to sound the alarm on what she calls "the new payday loan," Buy Now, Pay Later (BNPL) services. With over $170 billion in BNPL transactions this year and 91.5 million Americans using these services, this seemingly innocent payment option is creating a financial minefield for military families. Main Topics Covered: What Buy Now, Pay Later really is The psychology behind BNPL - how it removes the "pain" of spending and makes overspending dangerously easy Hidden dangers for military families: Multiple small debts that are impossible to track Late fees and additional charges that can turn a $5 purchase into a $35 expense Potential impact on security clearances as reporting to credit bureaus increases Marriage and relationship stress from hidden debt The trap of "death by a thousand cuts" - why small payments add up to big problems How BNPL differs from traditional credit - and why it's actually worse in many ways Recovery strategies for those already caught in the BNPL web Why layaway was better - and how its disappearance pushed consumers toward dangerous alternatives Resources & Links: Lacey Langford's website: Milmo.co Podcast: The Milmo Show (available on Apple, Spotify, and all podcast platforms) Conference: MilMoneyCon: milmoneycon.com UPDATE! Dates are announced now! May 6-8, 2026 in Savannah, GA Social Media: @Milmo (all platforms) or @MilMoneyCon Military financial counseling: Available free through base aid societies and Military OneSource If you're already using BNPL services, don't panic - but do take action. This episode provides a clear roadmap for getting back on track before small conveniences become big problems. Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 20,000 military servicemembers and military spouses have graduated from the 100% free course available at militarymoneymanual.com/umc3 In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, such as waived annual fees, on elite cards like The Platinum Card® from American Express and the Chase Sapphire Reserve® Card. https://militarymoneymanual.com/amex-platinum-military/ https://militarymoneymanual.com/chase-sapphire-reserve-military/ Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3 If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. Want to be confident with your TSP investing? Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE! If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.

Welcome to Episode 333 of the Total Saints Podcast – your home for all things Southampton Football Club!Plenty to cover this week:Hull Review – A 3–1 defeat, five games without a win… and arguably the lowest point yet under Will Still. Was this on the manager, the players, or both? We look back at a wasted trip and some worrying signs.Liverpool Preview – Saints head to Anfield in the Carabao Cup to face the Premier League leaders. Does anyone even care about this tie, or is it just a distraction?Middlesbrough Preview – Rob Edwards' high-flying Boro visit St Mary's. Can Saints finally turn a corner against the Championship pace-setters?Saints Women – A narrow 1–0 defeat to Bristol City leaves Simon Parker's side 5th in WSL2 after three games.Links & Support

Is the new age of AI agents about to kill niche B2B SaaS businesses? Many first-time founders worry that tools like ChatGPT or custom AI builders will make off-the-shelf SaaS products obsolete, but it could simply herald a new evolution of SaaS.In this episode, Yaniv is joined by Rob Walling, serial founder, investor, and author of The SaaS Playbook, to break down why B2B SaaS still outperforms other business models and how founders can build defensible products – even in an AI-driven world.They explore the fundamentals of recurring revenue, why vertical SaaS wins over horizontal competitors, and the real opportunities AI creates for startup builders.In this episode, you will:Understand why recurring revenue outperforms one-off sales for stability and growth.Learn how vertical and orthogonal SaaS niches beat large horizontal players.Discover the importance of high margins and why bootstrapping B2B SaaS is often possible.Evaluate how net revenue retention and negative churn can exponentially increase enterprise value.Apply Rob's 2-20-200 framework to validate and launch your own SaaS idea.Explore how to use AI as a feature or an enabler rather than seeing it as a threat.Gain insights on positioning, pricing, and finding your ideal customer profile in crowded markets.Learn more about Rob Walling and his work here: https://robwalling.com 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/

We're taking you along to see the best of Liechtenstein in just one day. We'll start the sightseeing journey at the Liechtenstein Center, wander through Vaduz's Städtle, walk the cobblestone streets, see the Cathedral of St. Florin, and take in the atmosphere by the Government and Parliament buildings, and iconic Ruhende Frau sculpture by Fernando Botero. If you want to take this exact trip, you can download our 1 day Liechtenstein Itinerary! Highlights from this episode include:Highlights of Liechtenstein Liechtenstein Center Städtle (Vaduz Pedestrian Zone)- including the Cathedral of St. Florin, Government building, Parliament Building, and the Ruhende Frau von Fernando Botero SculptureHop on the City Train in Vaduz Castles of Liechtenstein: Gutenberg Castle & Vaduz castle Our top recommended hotels in Lichtenstein are Giessen Hotel & Coffeehouse, Hotel Schatzmann, or check out other highly rated hotels in LiechtensteinThings to pack while visiting Lichtenstein:Electrical outlet adapterReusable water bottle & water bladderCollapsible Day BackpackPurchase an e-Sim to have cellular data on the goFind a great flight deals to Liechtenstein 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!

New benefits are available immediately as of 9/18/25!! Learn how to apply for the  The Platinum Card® from American Express: https://militarymoneymanual.com/amex-platinum-military/ Learn more about American Express military annual fee waivers: https://militarymoneymanual.com/american-express-military/ Learn how to maximize your military credit card benefits in the Ultimate Military Credit Cards Course: https://militarymoneymanual.com/umc3/ Episode Description Hosts Spencer Reese and Jamie discuss the major refresh of the American Express Platinum card, including a significant annual fee increase to $895 that military service members and spouses don't have to pay thanks to the Military Lending Act (MLA). They break down the extensive new benefits and explain how to maximize value from this popular military credit card. Topics Covered: New Benefits & Credits (2025 Refresh) (AVAILABLE NOW!!!!) $600 Fine Hotels & Resorts credit ($300 semi-annually) $400 Resy restaurant credit ($100 quarterly) $300 Lululemon credit ($75 quarterly) $300 Digital Entertainment credit ($25 monthly) $200 Oura Ring credit (annual) $120 Uber One membership credit (annual) Leading Hotels of the World (LHW) Sterling Status Existing Benefits $200 Uber Cash ($15/month, $35 in December) $209 Clear Plus credit $200 airline fee credit $155 Walmart Plus credit $100 Saks credit ($50 semi-annually) $300 Equinox credit 5X points on flights and prepaid hotels Hilton Gold and Marriott Gold status Global Entry/TSA PreCheck credit Military Lending Act (MLA) Coverage Automatic fee waiver for active duty service members Coverage for military spouses Guard/Reserve on 30+ day orders eligible How to check MLA database before applying: https://militarymoneymanual.com/mla-database/  Welcome Bonus & Value 175,000 Membership Rewards points after $8,000 spend in 6 months Cash value: $1,750-$1,925 Travel partner transfer potential: $3,500+ 25%+ effective cash back rate Resources & Links Mentioned: Ultimate Military Credit Cards Course: militarymoneymanual.com/UMC3 (100% free, 5-day email course) Fine Hotels & Resorts Search: maxfhr.com Points Valuation: points.yeah (travel redemption research) MLA Database: Google "Military Lending Act database" to verify coverage American Express Website: americanexpress.com (for enrollment in benefits) Resy App: Restaurant reservations that trigger the quarterly credit Key Takeaways: Total annual benefits exceed $2,500 in cash value Multiple Amex Platinum cards multiply benefits (spouse can get their own) Must enroll in many benefits through Amex app/website Check quarterly vs. semi-annual vs. annual benefit periods Verify MLA database status BEFORE applying Consider pairing with Chase Sapphire Reserve for maximum value Important Reminders: Only for those who pay off credit cards monthly (no debt) $8,000 minimum spend may be challenging for junior enlisted Benefits require enrollment - don't assume automatic activation Military spouses must be properly listed in DEERS Some benefits (Uber Cash) only work in the U.S. About the Hosts: Spencer - Creator of MilitaryMoneyManual.com and the Ultimate Military Credit Cards course Jamie - Co-host and military finance expert Contact & Social: Website: MilitaryMoneyManual.com Instagram: @militarymoneymanual For questions: Send DM on Instagram Episode Notes: Recording discusses the 2025 refresh of the American Express Platinum card. The hosts emphasize this is only for service members who can responsibly manage credit cards and pay balances in full monthly. They recommend both the Amex Platinum and Chase Sapphire Reserve as the two essential cards for military families who qualify for MLA fee waivers. For detailed analysis and current offers, visit MilitaryMoneyManual.com or search "Amex Platinum Military" for Spencer's comprehensive guides. Military Money Mentor 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.

Is YouTube quietly becoming the most powerful platform in the world? Announcements made during Made On YouTube 2025 revealed incredibly promising long-term plans, with the media giant seemingly set to dominate video, music, and podcasts with the help of Google's AI.Too many entrepreneurs still see YouTube as ‘just' a video host, missing the bigger picture: it's a global discovery engine and monetization machine. In this episode, Chris and Yaniv break down YouTube's creator ecosystem and what their announcements mean for the future of media services. They also delve into Oracle's unexpected AI rise, Sam Altman's high-pressure interview on AI ethics, and Figma's new AI tools reshaping design.In this episode, you will:Discover how YouTube's latest AI tools could outpace TikTok and Spotify in shorts, podcasts, and musicLearn why Oracle's $100B OpenAI cloud deal and TikTok nationalization play mark a massive comebackUnderstand Sam Altman's tough Tucker Carlson interview and what it reveals about OpenAI's ethics stanceExplore Figma's breakthrough AI features and what they mean for designers and startup teamsSee why “Nothing” phone's $200M AI-first push could disrupt Apple and Google's hardware advantageIdentify key lessons in strategy, timing, and neutrality from Oracle's approach to AI infrastructureApply insights from vibe coding and vibe design tools to accelerate your own startup workflowThe 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/

Don't run out of money before you run out of life—build a written retirement income plan you can count on.Large, poorly timed withdrawals and RMD surprises can wreck a portfolio—separate income from growth and let a tax plan, not emotions, drive your decisions.

DIY retirement income often fails not because of market drops—but because emotional selling, poor tax planning, and wrong withdrawal timing silently drain your savings.For many DIY retirees, the fatal five are market corrections, shifting from accumulation to income without a strategy, lack of access to durable income instruments, mismanaged tax implications, and uncertainty about whether their money will last through retirement.

TSP #2200 — Mary Beaver (Adonna of Sol) Time: Today, 5:00 PM Eastern Guest site: adonnaofsol.us (Adonna of Sol) YouTube/Rumble description (paste-ready) Episode #2200 | Live at 5 PM ET Tonight, Rob welcomes Mary Beaver (Adonna of Sol) to explore her family's claimed royal lineage—stretching from Egypt's earliest rulers (Shendjw, Iry-Hor, Ka, Narmer) through Old Kingdom pharaohs (Djoser, Sneferu, Khufu, Khafre), into later dynasties, and then, via Queen Scota, into the High Kings of Ireland & Scotland—culminating in medieval Scotland and early Anglo-American lines. We'll unpack sources, legend vs. history, and how such lineages might be tested today (genetic genealogy, onomastics, documentary chains), plus the esoteric side of bloodlines. We'll also touch on Mary's background and research platform Adonna of Sol, where she speaks on deprogramming, time, and hidden histories Guest links: adonnaofsol.us Chapters 00:00 Intro & disclaimers 05:00 What is the Shemsu-Hor? 15:00 First Dynasty rulers & unification 30:00 Old Kingdom peaks (Djoser–Khufu) 45:00 Scota & Gaythelos: legend or lineage? 1:10:00 High Kings timeline & Scotland bridge 1:30:00 Testing claims: docs, DNA, methods 1:50:00 Audience Q&A Run-of-show / talk beats What the Shemsu-Hor are said to be; where that term shows up in academic vs. esoteric contexts. Early dynastic rulers (Shendjw/Iry-Hor/Ka/Narmer) and unification claims. Old Kingdom highlights (Djoser's Step Pyramid; Sneferu's building spree; Khufu/Khafre). Transmission into Celtic realms via Scota & Gaythelos traditions; medieval sources that circulate this narrative. Scotland bridge (Dunkeld line; Malcolm III, David I, etc.) and the later Washington/Wessington links claimed in some trees. Verification toolkit: documentary chains, surname/place-name continuity, yDNA/mtDNA/auDNA limits, NPEs, endogamy. Esoteric angle: why bloodlines matter to mystery traditions; myth vs. memetics. Audience Q&A. Hashtags #TypicalSkeptic #MaryBeaver #AdonnaOfSol #ShemsuHor #Egyptology #OldKingdom #QueenScota #HighKings #CelticHistory #HiddenHistory #Bloodlines #Genealogy #AncientEgypt #Pharaohs YouTube tags (comma-separated) Mary Beaver, Adonna of Sol, Shemsu-Hor, Narmer, Djoser, Sneferu, Khufu, Khafre, Queen Scota, Gaythelos, High Kings of Ireland, House of Dunkeld, Malcolm III, David I, Washington lineage, Egyptian genealogy, Celtic dynasties, ancient DNA, genealogy methods, deprogramming, hidden history

⚠️ Disclaimer The views of the guest and those of Robert Kalil do not necessarily reflect those of the platform we are streaming on. We are not giving medical advice or diagnosing any physical or psychological condition. As with all guests on this show, please use your own discernment. This podcast is for spiritual exploration, education, and entertainment, and is also a space for open thought and conscious dialogue

TSP #2169 – Tony Rathman | Staticom & Spirit Communication

"Rising tides lift all ships!" MilMoneyCon 2026 dates just released! May 26-28, 2026 in Savannah, GA. See https://milmoneycon.com/register/ The military finance community doesn't have to operate in silos. Through strategic networking and mentorship, veterans and military spouses can accelerate their finance careers while building a supportive ecosystem that lifts everyone up. In this episode, we sit down with Lacey Langford, founder of MilMoneyCon and host of The Milmo Show, to explore how she transformed her frustration with career-building challenges into the premier conference for military financial professionals. Key Topics Covered: Military Background and Career Transition The mentorship gap that veterans face when entering civilian finance careers Why starting from "ground zero" shouldn't be necessary for experienced service members Why She Created MilMoneyCon Identifying duplication of efforts in the military finance space Connecting innovators who didn't know about each other's work Bridging the gap between DOD resources and community awareness Learning curve of event planning without prior experience Target Audience and Conference Value Active duty members considering finance careers post-service Military spouses entering the financial field Seasoned professionals seeking networking and growth opportunities Supporting businesses and organizations serving the military community Entrepreneurship Tips for Military Families PCS-proof career strategies and remote work opportunities Portable skills Leveraging unique military spouse skill sets for online services The reality check: every business owner is in sales and marketing Common Entrepreneurial Pitfalls Underestimating the sales and marketing requirements Creating products without validating market demand Failing to identify what sets you apart from competitors Not understanding the value proposition clearly Resources and Links: MilMoneyCon: milmoneycon.com Lacey's Website: milmo.co The Milmo Show Podcast: Available on all podcast platforms or milmo.co/podcast/ Kate Horrell's Book: KateHorrell.com/books MilMoneyCon: @milmoneycon Lacey's LinkedIn: linkedin.com/in/laceylangford The Milmo Show: @itsmilmo    Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 20,000 military servicemembers and military spouses have graduated from the 100% free course available at militarymoneymanual.com/umc3 In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, such as waived annual fees, on elite cards like The Platinum Card® from American Express and the Chase Sapphire Reserve® Card. https://militarymoneymanual.com/amex-platinum-military/ https://militarymoneymanual.com/chase-sapphire-reserve-military/ Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3 If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. Want to be confident with your TSP investing? Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE! If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.

Welcome to Episode 332 of the Total Saints Podcast – your home for all things Southampton Football Club!Plenty to cover this week:Pompey Review – Thirteen years we waited for a league South Coast Derby… and it ended 0–0. Was it a fair result, or a wasted Sunday lunchtime? We look at the performance, the selection choices, and whether this Saints side can really handle the big occasions.Hull City Preview – Attention turns quickly to a tricky trip to Hull. Can Will Still's men put things right and finally find some rhythm in the league?TSP in the Spotlight – From sponsoring both Saints captains (Jack Stephens and Atlanta Primus) to featuring on the St Mary's tifo, the pod has been busy off the pitch. We share the details.Saints Women – A wild 4–4 draw with Crystal Palace keeps Simon Parker's side unbeaten but provides a real test of credentials early in the campaign.Links & Support

Are you truly being persistent with your startup, or just being stubborn? In the new age of AI-powered founders and hyper-fast iteration, many entrepreneurs mistake obstinacy for persistence and end up running out of time, money, and morale.Too often we glorify “hustle” and “grit” without understanding when to adapt, pivot, or quit. The misconception that sheer willpower equals success has caused countless startups to fail, not because the idea was bad, but because the founder couldn't tell when to change course.In this episode, Chris and Yaniv dive deep into Paul Graham's classic essay on the difference between persistence and obstinacy. Drawing from decades of startup experience, they unpack why adaptability, “predatory listening,” and goal-directed experimentation are the true drivers of breakthrough success.They explore the five traits that set persistent founders apart (energy, imagination, resilience, good judgment, and focus) and explain how to build these skills into your daily practice as a founder.In this episode, you will:Discover the critical difference between persistence and obstinacy in startup cultureLearn Paul Graham's “boat rudder vs. boat engine” metaphor and why it matters for foundersIdentify the five traits every successful founder must develop to survive and thriveUnderstand how “predatory listening” and adaptability accelerate learning and reduce riskExplore real-world examples (Stripe, Uber) showing how top founders embody these traitsApply practical strategies to know when to double down, pivot, or quit a failing ideaGain a fresh perspective on why resilience and imagination matter more than raw hustleThe 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/#Resilience #Startups #Founder #TheStartupPodcast #Mindset

TSP #2193 – Pink Bella Aloha: Galactic Akashic Records, Starseed Activations & 5D Ascension

TSP #2191 – Premonitions, Tarot Readings & Esoteric Knowledge w/ Jim Edward Lucier Jim Edward Lucier is a gifted clairvoyant, Reiki Master Teacher, shaman, and prolific author who has spent more than 35 years exploring the paranormal, esoteric, and occult. He has made over 900 successful premonitions regarding global politics, economics, and disasters — many of which have been publicly documented. Jim is a multi-lineage Reiki Master (Usui, Crystal, Quantum, Rainbow) and has logged more than 10,000 hours of trance channeling over his lifetime. His published work includes two books with Schiffer Publishing distributed in over 35 countries, as well as an e-library of 44 titles on Amazon Kindle, covering subjects from premonitions and psychic phenomena to esoteric history, shamanism, and spiritual mastery. Collectively, his insights and predictions have had the potential to influence billions of dollars in outcomes worldwide. Tonight, Jim joins the Typical Skeptic Podcast for an in-depth discussion of his extraordinary body of work — and he will also be offering live tarot readings for the audience. Amazon Author Page: Jim Edward Lucier on Amazon

Don and Tom break down the overhyped expectations around recent market returns, referencing Jason Zweig's analysis of 230 years of stock market data. They emphasize that spending and saving habits matter more than chasing 15% returns, and explain why realistic planning using a 3–6% real return assumption over 30-year rolling periods is more prudent. They also tackle questions about RMD strategies from Vanguard IRAs and the TSP's F and G bond funds. The show ends with a tongue-in-cheek breakdown of NFL team valuations—yes, the Raiders rank surprisingly high. 0:04 Welcome, fatuousness defined, and realistic investing begins 0:52 Why you shouldn't expect 15% returns forever—even if you got them 1:52 What Jason Zweig's long-term data reveals about stock returns 2:51 Bogle warned us not to expect high returns—now what? 4:16 Spending and saving: more important than investing performance 5:08 Don's “prepaid gains” analogy for future expectations 7:00 Real market returns since 1793—spoiler: they're not 15% 8:58 Stocks might only beat inflation by 3%—and that's still a win 9:45 Start saving early: waiting until 50 is a losing game 10:18 How to plan with lower expected returns (realistic scenarios) 11:56 Use expected return to guide your savings rate (3% = save 20%) 13:45 “You weren't smart. You were lucky.” Now diversify. 15:31 Tom's wife dreads football season—Don celebrates Chiefs loss 18:42 Listener RMD question: Which ETFs get tapped at Vanguard? 19:29 Bonds are back: fixed income up ~6% this year 20:24 Rebalancing vs. just selling: how to handle RMDs smartly 21:04 Raiders rank #4 in NFL valuations… but why? 24:36 Top NFL team values: Cowboys rule, Cardinals drool 27:27 Arizona sports: low attendance, low valuations 28:59 TSP question: F fund vs. G fund—what to use, when 30:25 Don favors the G fund for simplicity and ballast 31:45 Tom and Don disagree—F fund might return more, but… 32:26 Don's vegetable-spiked coffee and Justin's final TSP allocation 34:13 Listener Barbara has multiple annuities—Don and Tom say, “Yikes” 35:47 Why you probably talked to a salesperson, not a fiduciary 37:04 The free Appella consultation is steak-free and no-pressure Learn more about your ad choices. Visit megaphone.fm/adchoices

TSP #2188 – Andrea Martin | Growing Up Alien: Galactic Updates & Gossip Tonight at 8 PM Eastern, join me on the Typical Skeptic Podcast as I welcome Andrea Martin, the creator of the YouTube channel Growing Up Alien. Andrea has shared since childhood that she has always felt “not of this world,” and her channel dives into her unique journey, cosmic insights, and perspectives on what it truly means to be Growing Up Alien. In this episode, we'll start on YouTube and then continue on Rumble, where Andrea will give us the latest galactic updates and galactic gossip—from starseed wisdom to the currents shaping our multidimensional reality.

TSP #2176 — Nathan Ciszek: The Source Field & the Simulation | Targeting / Reality Hacks, NPCs, Timeline Edits Tonight 9PM ET — TSP #2176: MILAB whistleblower Nathan Ciszek joins me for “The Source Field & the Simulation.” We'll dig into targeting, NPCs, reality edits, soul contracts, timeline manipulation, AI overlays & how to opt-out of engineered loops. Live Q&A! #milab #simulationtheory #targetedindividuals #soularc #timeline #ufo #disclosure Long Description (YouTube/Rumble) About the episode: MILAB whistleblower Nathan Ciszek returns for an advanced decode on targeting—how selected individuals are flagged, profiled, and entrained—and how this connects to a larger simulation framework (Source Field, overlays, NPC constructs, probability rails, and timeline edits). We'll map the playbook (surveillance behavioral nudges engineered synchronicities isolation spiritual fragmentation) and then pivot to exiting the maze: sovereign tech for nervous-system stabilization, energetic hygiene, and reclaiming timeline authority. Hashtags #TypicalSkepticPodcast #NathanCiszek #MILAB #TargetedIndividuals #SimulationTheory #SourceField #Timeline #NPCTheory #UFO #Disclosure Tags (YouTube) Nathan Ciszek, Typical Skeptic Podcast, MILAB, targeted individuals, simulation theory, Source Field, NPCs, timeline manipulation, gangstalking, spiritual warfare, sovereignty ⚠️ Disclaimer The views of the guest and those of Robert Kalil do not necessarily reflect those of the platform we are streaming on. We are not giving medical advice or diagnosing any physical or psychological condition. As with all guests on this show, please use your own discernment. This podcast is for spiritual exploration, education, and entertainment, and is also a space for open thought and conscious dialogue