Podcasts about TSP

Is AI about to transform the world… gently? Sam Altman says yes, but are we being lulled into complacency while the real risks go unchallenged?Startups everywhere are rushing to embed AI into their workflows, but few understand just how flawed that human-AI interaction can be. From broken prompting to billion-dollar power plays, the future of AI in business is murkier than it looks.In this episode, Chris Saad and Yaniv Bernstein break down the most urgent developments in AI and what they mean for founders and operators. They unpack Sam Altman's “Gentle Singularity” vision, dive into Meta's stealthy acquisition of Scale AI, and discuss a shocking study revealing that human-AI collaboration may be doing more harm than good, especially in healthcare and the workplace.In this episode, you will:Understand why Sam Altman thinks AI's future will be “gentle”—and what he might be downplaying Learn how Meta quietly bought 49% of Scale AI to outflank OpenAI and Google Explore the real-world risks of bad prompting and how it derails AI's accuracy Uncover why AI literacy is now a critical skill for startups and employees alike Examine why Slack is locking down chat data—and what that means for workplace AI tools Hear how OpenAI talent is resisting $100M offers from Meta, and what that says about culture vs. cash Discover the hidden trade-offs in AI alignment and whether “good enough” is actually enoughThe 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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What if your retirement plan is quietly setting you up for a multi-million-dollar tax bill? In this episode, Mike Canet and Ryan Herbert unpack real-life stories of retirees blindsided by taxes—and how smart planning could have saved them millions. From overlooked Roth conversions to the fine print your advisor won’t discuss, they reveal how to legally minimize your tax burden and keep more of what you’ve earned. Want to begin building your retirement and tax plan? Schedule a call with us here:

Your net worth isn't the full picture of your wealth. Financial independence is great, but if your health, relationships, and purpose suffer, are you really wealthy? In this episode, Jamie and Spencer break down The Five Types of Wealth by Sahil Bloom and how to create a life that's truly rich—beyond just the numbers in your bank account. Overview: Financial wealth is only one piece of the puzzle. Sahil Bloom's book introduces the concept that true wealth comes in five forms: time, social, mental, physical, and financial wealth. Jamie and Spencer reflect on their own experiences in the military and beyond, exploring how service members often have hidden riches in some areas—like social and mental wealth—but struggle in others, like financial or physical health. Wealth isn't just about money. The most financially successful people often struggle in health, relationships, and purpose. The goal isn't to maximize one area but to balance all five types of wealth so you can build a truly rich life—one that's deeply fulfilling, not just financially secure. Key Points: The Five Types of Wealth Defined: A breakdown of time, social, mental, physical, and financial wealth—why all five matter. Military Service & Wealth: How military members often have strong mental and social wealth but struggle in financial and physical areas. Time Wealth & How to Own Your Schedule: The importance of time freedom—are your days designed to build the life you want? Social Wealth & Deepening Relationships: How to build lasting friendships, especially after leaving the military. Mental Wealth & Purpose: How defining a personal mission statement can shape a more fulfilling life. Physical Wealth & Health: The long-term impact of fitness, nutrition, and recovery on overall life satisfaction. Financial Wealth & The Enough Life: The danger of chasing an ever-moving financial goal and defining your version of financial sufficiency. Mentioned Resources & Links: Sahil Bloom's book The Five Types of Wealth The quiz on Sahil Bloom's website (for assessing your wealth across all five categories) The Psychology of Money by Morgan Housel Episode 46 about Psychology of Money Personal Finance Club – Jeremy Schneider's simple investing strategies For a limited time, Spencer is offering one-on-one Military Money Mentor sessions! Get your personal military money and investing questions answered in a confidential coaching call. Our new TSP course is live! 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 or email podcast@militarymoneymanual.com. 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. I also offer a 100% free course on military travel hacking and getting annual fee waived credit cards, like The Platinum Card® from American Express, the American Express® Gold Card, and the Chase Sapphire Reserve® Card in my Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3. Learn how to get your annual fees waived on premium credit cards from American Express in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3. The Platinum Card® from American Express and the American Express® Gold Card waive the annual fee for active duty military servicemembers, including Guard and Reserve on active orders over 30 days. The annual fees on all personal Amex cards are also waived for military spouses married to active duty troops.

What if your next startup competitor doesn't have a single employee?AI agents aren't just another software trend — they're redefining the interface between humans, data, and execution, yet many founders still confuse basic chatbots with the true potential of these agents.In this episode, Chris and Yaniv are joined by Jeremiah Owyang, General Partner at Blitzscaling Ventures and host of Silicon Valley's top AI startup event, Llama Lounge. Together, they unpack Jeremiah's insider thesis on the AI Agent era — and what it means for the future of software, user experience, and startups.They explore why AI agents are replacing SaaS apps, what defines a “true agent,” and how startups should position themselves in the face of big tech platform risk.In this episode, you will:Understand the difference between LLM tools and autonomous AI agentsDiscover how Crew AI scaled to 60% of the Fortune 500 using 150 agents and minimal staffLearn why traditional apps and websites may become obsolete in the agentic futureExplore new go-to-market strategies and startup models for agent-driven businessesEvaluate how agents will access private and public data — and what that means for APIsHear how to pitch agent startups to VCs looking for viral and network-effect playsWhether you're building in the agent ecosystem or preparing for it, this conversation will reshape how you think about the future of digital interfaces and startup opportunities.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 linksThis episode is brought to you by Warp Development.  Are you ready to build something that matters? Visit https://warpdevelopment.com and mention The Startup Podcast for a free consultation.Get 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/

Participants in the Thrift Savings Plan will soon see a few changes to the TSP's Lifecycle, or “L,” Funds. Starting June 30th, the Federal Retirement Thrift Investment Board will add an “L 2075” Fund. That's meant for any current or future federal employees who plan to retire during or after the year 2073. The TSP board will also be rolling over the current “L 2025” Fund into its broader Income Fund. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Apple's WWDC 2025 keynote revealed a lot – just not what you'd expect. Siri's long-awaited AI upgrade was quietly delayed, and instead Apple rolled out a grab bag of long-overdue features, flashy design updates, and deep ChatGPT integrations. Is this a bold product reset, or proof that Apple is falling behind?Meanwhile, Elon Musk and Donald Trump butt heads, Ukraine rewrites warfare with AI-powered drones, and a16z explains how consumer AI startups can finally scale, if they get a few key things right.In this episode, Chris Saad and Yaniv Bernstein sift through this huge week of tech news, breaking down the topics that really matter for founders and early-stage operators. In this episode, you will:Understand the real implications of Elon Musk and Donald Trump's public falloutExplore how the Musk/Trump feud could fracture the MAGA-tech alliance and reshape Silicon Valley politicsLearn why Apple is releasing papers criticizing AI reasoning—and what that means for AGI hypeAssess whether Apple's WWDC 2025 was a quiet revolution or just a catch-up actDiscover how Ukraine's AI-powered drone strike changes the future of war and global defense techUnpack why AI consumer startups now have better monetization paths than ever before

Don and Tom salute high-schoolers who tackled the National Personal Finance Challenge, then test listeners (and each other) with the same nine-question quiz—covering basics like principal vs. balance, Roth RMD rules, CDs, vesting, inflation risk, callable bonds, and limit orders. Call-in segments dig into real-world money puzzles: whether to sink home-sale proceeds into a new mortgage at today's 7 % rates, how (and whether) to value a military pension, rolling a TSP, and a head-scratcher about wildly swinging “management” fees inside a Fidelity IRA. A quick detour touches on Don's upcoming birthday before they wrap with practical takeaways: know your income gap first, keep fees transparent, and remember—it's “losing money safely” if cash just languishes. 0:04 Why everyone needs a working knowledge of money 1:22 National Personal Finance Challenge shout-out & why only 0.1 % of high-schoolers compete 2:04 Quiz Q1 — defining principal 4:01 Quiz Q2 — Roth vs. traditional IRA RMD rules 5:10 Invitation for listeners to tackle the quiz live on air 7:38 Quiz Q4 — why CDs pay more (funds locked for a term) 8:57 Quiz Q5 — what “vesting” really means 9:59 Quiz Q7 — parking cash in a sock = inflation risk 12:33 Quiz Q8 — callable bonds explained 13:51 Caller Hillary — use equity to pay down a 7 % mortgage or invest instead? 16:33 Liquidity vs. rate trade-off and psychological comfort of a lower payment 18:43 Model-airplane museum banter & show phone line reminder 20:46 Caller Justin — valuing a pension and TSP rollover strategy 23:45 Start with income needs, then size savings; why keeping TSP is fine if it's your only IRA 28:13 Caller John — Fidelity “management fee” swings; how to pin your advisor down 33:25 Caller Will — cosmic birthday musings & the age of the universe 36:51 Quiz Q9 — limit orders, and Tom flunks Series 7 trivia 40:35 How few teens get real money education & resources to close the gap Learn more about your ad choices. Visit megaphone.fm/adchoices

Too restrictive or a key part of a military families financial planning? Today's episode is a no-holds-barred discussion about the pros, cons, and real-life strategies behind 529 plans. Episode Summary: In this episode, Spencer and Jamie dive deep into the world of 529 college savings plans—a tax-advantaged tool designed to save for qualified education expenses. They explore the basics of how 529 plans work (after-tax contributions, tax-free growth, and penalty-free withdrawals on qualified education expenses) and highlight recent changes that expand their flexibility beyond just college tuition. The conversation unfolds as Spencer raises his skeptical questions, while Jamie defends the plan's benefits by sharing personal experiences and strategies. From multi-generational planning to overcoming the challenge of overfunding, the discussion covers everything you need to know to determine if a 529 plan fits into your family's financial strategy. Key Discussion Points & Takeaways: Understanding 529 Fundamentals: Contributions are made with after-tax dollars, but the account grows tax-free, and withdrawals for qualified expenses (college, K–12 tuition, apprenticeship programs, computer equipment, and internet access) remain tax-free. Jamie explains the flexibility and evolving nature of 529 plans, including options to roll over funds to a Roth IRA (subject to annual limits and other restrictions) if the money isn't immediately needed for education. Flexibility vs. Restriction: Spencer shares his concerns about the plan's restrictions and whether the benefits favor high-income families more than those who might truly need the tax advantages. Jamie counters by emphasizing that the primary goal is to ensure your child's educational expenses are covered, while also noting that any “overfunding” isn't a total loss—it comes with backup options like beneficiary changes and penalty adjustments if funds are withdrawn for non-qualified purposes. Practical Money Management: Real-life insights on how to balance your overall financial strategy: build a solid retirement plan, clear debt, and then contribute to a 529 plan once you've established your own financial security. Jamie outlines his personal approach, including how much he's contributed over the years and his strategy for managing contributions as his children get closer to college age. Discussion of exit strategies: potential rollovers, transferring balances between beneficiaries, and even using scholarship funds to unlock part of the 529 savings without penalties. Generational and Strategic Considerations: Beyond college savings, the episode explores whether 529 plans can serve as a mechanism for a multi-generational legacy—providing educational support for nieces, nephews, or future grandchildren. The balance between maximizing tax-free growth and maintaining account flexibility is a recurring theme, with both hosts stressing the importance of aligning a 529 plan with your broader financial plan. Actionable Insights for Listeners: Evaluate Your Priorities: Before you start pouring funds into a 529 plan, ensure you've taken care of high-priority items like debt repayment and retirement savings. Start Early: Open an account when your child is young. Even small, regular contributions can accumulate significantly over time. Customize According to Your Needs: Understand that the “perfect” plan isn't one-size-fits-all. Consider factors like potential state tax deductions, investment options (like Vanguard 529's low-cost index fund style), and your own financial situation. Plan for Flexibility: Keep in mind exit strategies (such as rollovers to Roth IRAs and changing beneficiaries) so that if your situation changes, you're not locked into funds you can't use as intended. If this episode sparked some thoughts about your child's educational future or your family's financial planning, drop us a message on Instagram or visit our website at MilitaryMoneyManual.com.  Links mentioned: Kate Horrell's College Savings resources Episode 124 w/ Kate Horrell Episode 165 w/ Daniel Kopp FINRED flyer on 529s For a limited time, Spencer is offering one-on-one Military Money Mentor sessions! Get your personal military money and investing questions answered in a confidential coaching call. Our new TSP course is live! 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 or email podcast@militarymoneymanual.com. 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. I also offer a 100% free course on military travel hacking and getting annual fee waived credit cards, like The Platinum Card® from American Express, the American Express® Gold Card, and the Chase Sapphire Reserve® Card in my Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3. Learn how to get your annual fees waived on premium credit cards from American Express in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3. The Platinum Card® from American Express and the American Express® Gold Card waive the annual fee for active duty military servicemembers, including Guard and Reserve on active orders over 30 days. The annual fees on all personal Amex cards are also waived for military spouses married to active duty troops.

Are you a federal employee or retiree enrolled in FEHB and shocked by your Medicare Part B premium? You’re not alone—and you might be paying more than you should. In this episode, Val breaks down the key factors that determine your Medicare Part B premiums, including how your income, TSP withdrawals, and federal pension are used to calculate IRMAA (Income-Related Monthly Adjustment Amount). https://www.fedsmith.com/2025/05/21/lower-your-medicare-part-b-premium-with-one-form/ Don’t miss this episode if you’re looking to secure your financial future as a federal employee. Make sure to subscribe to The Federal Retirement Show for more episodes and leave us a review! 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.

Can consumer tech like Facebook and Oculus really help win wars?As governments get serious about AI and startups, Silicon Valley is being dragged—sometimes unwillingly—into the global military and geopolitical game.In this episode, Chris Saad and Yaniv Bernstein unpack how Meta is teaming up with Anduril—the military tech startup founded by Oculus' Palmer Luckey—to bring XR (Extended Reality) to the battlefield. They also break down how Google might preemptively split itself, how UK civil servants gained 5% productivity with AI tools, and why Europe's startup scene may finally be waking up.In this episode, you will:Learn how Meta's AR & VR technology is being integrated into U.S. military operationsUnderstand the strategic irony behind Palmer Luckey and Meta partnering againExplore the concept of “reverse technology transfer” from consumer tech to defenseDiscover why Google may break itself up before regulators force itSee how the UK's use of Microsoft Copilot gave government workers a 5% productivity boostUnpack the EU's new law that lets startups register and begin trading in under 48 hoursAssess how New York is quietly becoming Silicon Valley's biggest challengerWhether you're a founder, operator, or just a curious mind in the startup world, this episode gives you sharp insights into how tech, defense, and regulation are reshaping the startup 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/

“The wisdom of the prudent is to give thought to their ways, but the folly of fools is deception.” - Proverbs 14:8When it comes to saving, spending, and talking about money, our God-given temperament plays a bigger role than we think. Today, Kathleen Edelman shares how understanding your wiring can lead to better financial decisions and healthier money conversations.Kathleen Edelman is the author of “I Said This, You Heard That: How Your Wiring Colors Your Communication.” She is certified in Biblical Studies and Christian Counseling Psychology and has spent over 30 years coaching clients in the art of effective communication.What Is Temperament—And Why Does It Matter?Temperament was studied by Hippocrates 2,000 years ago. It's innate, unchangeable, and part of your design by God, like your eye color or fingerprint. In contrast, “personality” evolves based on culture, upbringing, education, and environment.This foundational understanding is essential not just in relationships but also in how we approach money.Temperament influences how we budget, spend, save, and even how we talk about money. Here's how each temperament—Yellow, Red, Blue, and Green—sees financial decisions through a unique lens:YELLOW (Sanguine): The Fun-Loving GiverWiring: Optimistic, relational, in-the-moment.Financial Outlook: Sees money as a way to connect and create experiences. Often spontaneous and generous, but may avoid serious conversations about finances out of fear of conflict or damaging relationships.Growth Tip: Build guardrails around spending while leaving room for joy. Schedule regular money conversations to reduce anxiety.RED (Choleric): The Visionary LeaderWiring: Goal-driven, results-oriented, confident.Financial Outlook: Excels at goal setting, budgeting for success, and achieving results. May be impulsive or steamroll others in decision-making.Growth Tip: Invite feedback and take the time to consider other perspectives. Collaboration builds trust.BLUE (Melancholic): The Cautious PlannerWiring: Detail-oriented, safety-driven, analytical.Financial Outlook: Needs detailed plans, emergency savings, and financial security. Prefers structure and predictability.Growth Tip: Communicate your need for time to process financial decisions. Allow room for flexibility while maintaining your desire for order.GREEN (Phlegmatic): The Peaceful StabilizerWiring: Calm, steady, conflict-avoidant.Financial Outlook: Values simplicity, consistency, and low-stress systems. May avoid decisions that involve conflict or complexity.Growth Tip: Don't be afraid to speak up about your financial opinions. Take the time you need, but be intentional about engaging.Why Temperament Matters in Money ConversationsMost miscommunication is not intentional. For instance, it could be that you're speaking ‘blue,' and they're hearing ‘yellow.'” That misalignment can be costly, both relationally and financially.To bridge the gap, learn to recognize both your own temperament and the temperament of the person you're speaking with. Then, speak their language.Example: A Yellow Talking to a BlueA Yellow might say: “Hey _______, I know details matter to you. Can we sit down together and make a plan that gives us both a vision with a little room for fun?” This honors the Blue's need for order and gives space for the Yellow's desire for connection.Example: A Red Talking to a GreenRather than saying, “We need to figure this out now,” a Red could say: “I'd love us to make a simple plan together so that we both feel secure. We can talk it through at your pace.” This respects the Greens' need for harmony and time.Next Steps for Growth and StewardshipKathleen's workbook, I Said This, You Heard That, is designed to help you better understand your wiring—and live it out in strength, not weakness. It's not about changing your temperament but becoming fluent in the languages of others.Inside the 2025 edition, you'll find tools to help you:Name your tendencies and choose healthier responsesDiscover your “innate needs” (which she calls a game-changer)Revisit conversations with grace and self-awarenessBecome fluent in your own and others' communication stylesWhen we understand our design, we communicate better. When we communicate better, we make wiser financial decisions. And when our finances reflect intentional, Christ-centered communication, our relationships and witness grow stronger.Learning to speak the language of others says: I care about you. That changes everything.I Said This, You Heard That: How Your Wiring Colors Your Communication (2025 Edition) is available now wherever books are sold. Let it be a guide for building stronger relationships and becoming a more faithful steward of what God has entrusted to you.Become a FaithFi PartnerAlso, if you'd like to read Kathleen's full article featured in the second issue of Faithful Steward Magazine, consider becoming a FaithFi Partner. With a monthly gift of $35 or an annual gift of $400, you'll receive the magazine each quarter delivered directly to your mailbox—plus these exclusive benefits:Access to the Pro Version of the FaithFi AppBulk discounts on additional copies of FaithFi studies and magazinesEarly access to every new FaithFi study and devotional before they're released to the publicJoin us in equipping believers to steward God's resources faithfully.On Today's Program, Rob Answers Listener Questions:I'm seeking advice about managing my 66-year-old mother's finances after her Alzheimer's diagnosis. She has a limited income, a $300,000 TSP, and a home with $220,000 in equity, but her monthly expenses total $6,500. I need help strategizing how to best care for her financially.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)I Said This, You Heard That: How Your Wiring Colors Your Communication by Kathleen EdelmanWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look 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.

Welcome to the 9Innings Podcast where we Educate, Empower and Engage. ON THIS WEEKS PODCAST: In this episode of the 9 Innings Podcast we delve into the Thrift Savings Plan (TSP) and common mistakes federal employees make in their retirement planning. We emphasize the importance of understanding TSP options, including the G Fund and the Roth versus traditional TSP debate. He warns against the "set it and forget it" approach and highlights the impact of recent federal benefit cuts. We encourage listeners to actively manage their TSP accounts and make strategic investment decisions to secure their financial futures amidst changing policies and economic conditions. Understanding the TSP (00:02:21) The G Fund Myth (00:03:49) Roth vs. Traditional TSP (00:06:41) Allocation Mistakes (00:09:20) Impact of Federal Benefit Cuts (00:10:40) Strategic Investment Decisions (00:12:18) Conclusion and Takeaways (00:14:51)NEWSLETTER (WHAT NOW): https://substack.com/@9icapital?r=2eig6s&utm_campaign=profile&utm_medium=profile-page Follow Us: youtube: / @9icap Linkedin: / kevin-thompson-ricp%c2%ae-cfp%c2%ae-74964428 facebook: / mlb2cfp Buy MLB2CFP Here: https://www.amazon.com/MLB-CFP%C2%AE-90-Feet-Counting-ebook/dp/B0BLJPYNS4 Website: http://www.9icapitalgroup.com Hit the subscribe button to get new content notifications. Corrections: Editing by http://SwoleNerdProductions.com Disclosure: https://sites.google.com/view/9idisclosure/disclosure

In this episode of the Personal Finance Podcast,  we are going to do a Money Q&A about  my retirement plan charges 1.38%. Is it robbing me of my future? Today we are going to answer these questions!  Question 1: What should my next steps be after paying off a personal loan—emergency fund, car savings, or student loans? Question 2: What's the best investment or savings account to open for my 5-year-old to start learning about money? Question 3: Is it worth contributing to a Roth 457(b) with a 1.385% fee, or should I focus on low-cost accounts? Question 4: I'm in the military maxing out TSP and Roth IRA—what else can I do to retire early? And how can my parents retire with $150K at age 55? Question 5: I'm new to investing with $30K in cash—should I just dump it into an index fund, or do something more? Question 6: We're 48 and 49, saving aggressively with no debt—how do we ensure we hit our $1.5M retirement goal by age 55? Question 7: We rolled over $35K into an IRA, have $125K in a 401(k), and big home equity—how do we build wealth and retire early in California? How Andrew Can Help You:  Listen to The Business Show here. Don't let another year pass by without making significant strides toward your dreams. "Master Your Money Goals" is your pathway to a future where your aspirations are not just wishes but realities. Enroll now and make this year count! Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! Learn to invest by joining  Index Fund Pro! This is Andrew's course teaching you how to invest!  Watch The Master Money Youtube Channel! , Ask Andrew a question on Instagram or TikTok.  Learn how to get out of Debt by joining our Free Course  Leave Feedback or Episode Requests here.  Car buying Calculator here Thanks to Our Amazing Sponsors for supporting The Personal Finance Podcast. Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at  shopify.com/pfp Chime: Start your credit journey with Chime. Sign-up takes only two minutes and doesn't affect your credit score. Get started at chime.com/ Thanks to Fundrise for Sponsoring the show! Invest in real estate going to fundrise.com/pfp Thanks to Policy Genius for Sponsoring the show! Go to policygenius.com to get your free life insurance quote. Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/personalfinance Shop Data Plans and Save Big at mintmobile.com/pfp  Go to https://joindeleteme.com/PFP20/ for 20% off!  Links Mentioned in This Episode:  How to Pay No Taxes in Early Retirement, Debunking the Mortgage Fee Fiasco, and More! With Katie Gatti (From Money With Katie!) 10 Powerful Portfolio Strategies (And Which One is Right for You!) - Part 1 10 Powerful Portfolio Strategies (And Which One is Right for You!) - Part 2 The 1-3-6 Method For Building & Managing Your Emergency Fund Connect With Andrew on Social Media:  Instagram  TikTok Twitter  Master Money Website  Master Money Youtube Channel   Free Guides:   The Stairway to Wealth: The Order of Operations for your Money  How to Negotiate Your Salary  The 75 Day Money Challenge  Get out Of Debt Fast  Take the Money Personality Quiz Learn more about your ad choices. Visit megaphone.fm/adchoices

Did you know there's a way to get tax-free income, tax-free growth, AND tax-free withdrawals—all legally? If you're in the military, you have access to one of the most powerful wealth-building tools that civilians can only dream of. Combat Zone Tax Exclusion (CZTE) is the golden ticket, and in this episode, we break down exactly how you can leverage it to maximize your savings and accelerate your journey to financial freedom. Episode Summary: Military members deployed to a Combat Zone Tax Exclusion (CZTE) location receive tax-free pay, but did you know this can also supercharge your retirement savings?  No federal income tax on military pay earned in a combat zone. Contributions to Roth IRA or Roth TSP using tax-exempt combat pay grow tax-free. Withdrawals in retirement are completely tax-free, giving you a massive financial advantage. We also discuss the Savings Deposit Program (SDP), tips for avoiding common financial mistakes, and strategies to maximize your tax-free earnings while deployed. Key Takeaways: Maximize Your Benefits: Understand the triple tax benefits and how to supercharge your Roth TSP and Roth IRA. Combat Zone Pay Benefits: Know which locations qualify and how even touching a combat zone for one day can get you CZTE benefits. Emergency Fund First: Use the extra tax-free income to build financial security before investing. Savings Deposit Program (SDP): Earn a guaranteed 10% return with this little-known military savings program. Tax Planning Strategies: Advanced moves like Roth conversions, tax-gain harvesting, and earned income tax credit eligibility. Watch Out for Common Mistakes: Avoid lifestyle inflation and missed opportunities to grow tax-free wealth. Links mentioned today: IRS Publication 3, Armed Forces Tax Guide IRS.gov CZTE locations (as of this publishing) DFAS.mil's Imminent Danger Pay (IDP) info Savings Deposit Program (SDP) Article Responding to CP04 IRS Letter Article Military Tax Experts Alliance Episode 167 w/ Ryan Guina, Contributing up to $70,000 to TSP while Deployed! Episode 116 - Roth TSP and Roth IRA are Different!! For a limited time, Spencer is offering one-on-one Military Money Mentor sessions! Get your personal military money and investing questions answered in a confidential coaching call. Our new TSP course is live! 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 or email podcast@militarymoneymanual.com. 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. I also offer a 100% free course on military travel hacking and getting annual fee waived credit cards, like The Platinum Card® from American Express, the American Express® Gold Card, and the Chase Sapphire Reserve® Card in my Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3. Learn how to get your annual fees waived on premium credit cards from American Express in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3. The Platinum Card® from American Express and the American Express® Gold Card waive the annual fee for active duty military servicemembers, including Guard and Reserve on active orders over 30 days. The annual fees on all personal Amex cards are also waived for military spouses married to active duty troops.

On the next 2 episodes of CFO at Home, Vince's guest is Mel Stubbs, author of "Your FERS Federal Retirement: The 10 Decisions that Will Make or Break Your Retirement," to discuss key decisions that can shape our retirements. In this episode, Mel and Vince focus on 4 of the 8 decisions that many of us will face, regardless of whether we're federal employees or not; when to retire, what to do with company offered life insurance, what to do with our retirement accounts, and the tax planning decision. To learn more about Mel and his book, go to christycapital.com Key Topics: Determining the right time to retire based on financial readiness Evaluating company-offered life insurance options Understanding the benefits and rules surrounding 401(k) and TSP accounts Tax planning strategies for retirement savings The role of Social Security and pensions in retirement planning How to effectively manage retirement income to avoid tax pitfalls Key Links: Christy Capital Your FERS Federal Retirement: The 10 Decisions that Will Make or Break Your Retirement Christy Capital Management - YouTube Mel Stubbs - LinkedIn Contact the Host - vince@thecfoathome.com Want to be a guest on CFO at Home? Send Vince a message on PodMatch, here: https://www.podmatch.com/hostdetailpreview/1628643039567x840793309030672500  

Are you building a startup strategy—or just making it look like you have one?Too many founders mistake polished slide decks for actual strategic thinking, leading to misalignment, wasted resources, and failed products.In this episode, Yaniv Bernstein and Chris Saad are joined by Marcelo Calbucci, former Amazon director and author of The PRFAQ Framework. They dive into how Amazon's famously effective six-page PRFAQ process forces deep thinking, aligns teams, and drives billion-dollar bets—without a single slide.They explore why most startups get strategy wrong, how to apply PRFAQs to your own company, and the real difference between outputs and outcomes.In this episode, you will:Discover why PowerPoint-based strategies often lead to shallow thinking and misalignmentLearn how Amazon's six-page PRFAQ framework drives innovation and clarityUnderstand the structure of a PRFAQ—and why it starts with a future-facing press releaseExplore the critical cultural shifts needed to make frameworks like PRFAQs workCompare PRFAQs with OKRs and PRDs—and learn when to use eachUnpack the process Amazon uses to critique and improve strategy docs in real timeHear practical advice on adapting the PRFAQ process to your startup, even as a solo founderWhether you're pre-launch or scaling fast, this episode gives you a blueprint for thinking deeper and aligning your team.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/

Are you ready to retire as a federal employee? In this video, Benchmark Financial Group shares essential steps for federal employees to navigate their federal retirement process with confidence. From understanding federal benefits to planning your retirement income, this session covers critical topics like retirement paperwork timelines, federal pensions, processing delays, annuity payments, and managing TSP funds effectively for financial independence.Don't leave your financial future to chance. Contact Benchmark Financial Group today for personalized assistance and expert guidance on federal retirement and financial planning. Together, we'll develop a plan to help you retire with peace of mind.————Since 1987, Benchmark Financial Group, LLC has been committed to helping clients realize their financial independence, especially at retirement. Benchmark works with federal employees to provide a customized analysis of their federal benefits at a time of convenience for the employee. This customized analysis of federal benefits is prepared by Benchmark professionals who hold a ChFEBC designation. This means we are financial professionals that have completed extensive training to learn and understand federal benefits. As a result, Benchmark helps provide many optional answers to the questions that concern federal employees.Follow Benchmark Financial Group:Website: https://bfgkc.com/LinkedIn at https://www.linkedin.com/company/benchmark-financial-group-llc/ orFacebook at https://www.facebook.com/BenchmarkFinancialGroupLLCBenchmark is located at 10975 Benson Dr., Suite 500, Overland Park, KS 66210, Corporate Woods Building 12. You can contact Benchmark Financial Group by visiting the website at https://bfgkc.com, calling 913.227.4224, or emailing David at david.raetz@bfgkc.com.Securities and Advisory Services are offered through CreativeOne Securities, LLC. Member FINRA/SIPC and an Investment Advisor. Benchmark Financial Group, LLC, and CreativeOne Securities are not affiliated companies.

What does it mean when OpenAI gives away $6 billion worth of equity just to bring one man on board?In a world where design, brand, and user experience could determine AI dominance, are startups undervaluing human-centered thinking?In this episode, Chris and Yaniv unpack OpenAI's jaw-dropping acquisition of Jony Ive's mysterious startup “io,” and what it means for the future of AI hardware. They also break down Claude 4's strategic shift toward coding, Klarna's AI misfire in customer service, and Bitcoin's stunning return to all-time highs.In this episode, you will:Understand why OpenAI paid $6B for Jony Ive with no product in sightExplore how Claude 4 is positioning itself to dominate AI coding workflowsLearn what Klarna's AI rollback says about the real limits of LLMs in customer serviceDiscover why prompting isn't just for AIs—and how it applies to human leadershipCompare deterministic vs probabilistic software—and what that means for your startup stackExamine how students using AI tools are reshaping education (and why it's not all good news)Evaluate Bitcoin's recent surge and whether it's becoming a lasting store of valueWhether you're building in AI, riding the crypto waves, or figuring out where human judgment still beats automation—this episode is packed with insight from real founders navigating the edge.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/

BRIANS WEBSITE - fulldisclosuremovement.orgMATTHEW WEBSITE - rememberyourmission.comSEAN BOND & YSSAH WEBSITE - psionicleague.comJENNY LEE WEBSITE: https://walkinginhumblespirit.jennyssight.net/TSP #1992 – Full Disclosure Now Psychic Roundtable: Activating Intuition Before the ConferenceDESCRIPTION:Join me tonight at 8 PM Eastern for an epic psychic roundtable leading up to the Full Disclosure Now conference (July 15–18, 2025). This all-star lineup includes:Brian Tseng – Founder of FullDisclosureMovement.org, driving the awakening through conscious media and community action.Sean Bond – Multidimensional healer and timeline reader from PsionicLeague.com, helping individuals tap into their soul abilities.Matthew Mournian – Intuitive healer and energy warrior from RememberYourMission.com, returning with multidimensional tarot and soul retrieval insight.Jenny Lee – Clairvoyant psychic and energetic reader bringing deep intuitive downloads from Source. FacebookThis conversation will explore psychic phenomena, collective shifts, and spiritual tools to help you align with your highest path as we prepare for Full Disclosure Now.HASHTAGS:#PsychicRoundtable #FullDisclosureNow #EnergyHealing #MultidimensionalAwakening #SpiritualConference #IntuitionActivation #MatthewMournian #SeanBond #BrianTseng #JennyLeePsychic #TypicalSkepticPodcast #DisclosureMovementTAGS:Full Disclosure Now, psychic roundtable, Brian Tseng, Sean Bond, Matthew Mournian, Jenny Lee psychic, spiritual conference, July 2025 events, timeline healing, soul mission, intuitive insights, lightworker support, ascension toolsDISCLAIMER:The views expressed by the guests are their own and do not necessarily reflect the views of the Typical Skeptic Podcast. This show is for educational, spiritual, and entertainment purposes only.

Are you just trying to survive financially? Or are you on your way to building a lasting legacy? Discover the 7 levels of wealth adapted for military life and learn how to move from paycheck-to-paycheck living to financial freedom and abundance! This isn't about rank or time in service – it's about intention and systems. This episode is inspired by Ramit Sethi's video on the seven levels of wealth, viewed through a unique military money lens. The levels aren't tied to rank or experience; a junior service member could be ahead of a senior one. Everyone starts somewhere, and there's no shame if you're not at the final step yet. The Seven Levels of Wealth (with a military twist): Levels 1-2: Beginner's Mindset Level 1: Survival Level 2: Stability Levels 3-4: The Boring Middle Level 3: Security Level 4: Growth Levels 5-7: The Advanced Phase / Financial Freedom Level 5: Freedom Level 6: Abundance Level 7: Legacy Links mentioned today: Dave Ramsey's The Total Money Makeover YNAB app (military discount) For a limited time, Spencer is offering one-on-one Military Money Mentor sessions! Get your personal military money and investing questions answered in a confidential coaching call. Our new TSP course is live! 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 or email podcast@militarymoneymanual.com. 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. I also offer a 100% free course on military travel hacking and getting annual fee waived credit cards, like The Platinum Card® from American Express, the American Express® Gold Card, and the Chase Sapphire Reserve® Card in my Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3. Learn how to get your annual fees waived on premium credit cards from American Express in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3. The Platinum Card® from American Express and the American Express® Gold Card waive the annual fee for active duty military servicemembers, including Guard and Reserve on active orders over 30 days. The annual fees on all personal Amex cards are also waived for military spouses married to active duty troops.

Federal salaries don't always tell the whole story. In this episode, John and Tommy take a closer look at the true value of federal employment, highlighting how benefits like pensions, FEHB health coverage, TSP matching, and survivor options stack up against the private sector. You'll learn why it could take a 30-50% higher salary elsewhere to match the federal total compensation package, and why those numbers matter when making career decisions. Access the full show notes at Mason & Associates, LLC Resources Mentioned: Mason & Associates: LinkedIn Tommy Blackburn:  LinkedIn John Mason: LinkedIn The Federal Employees Health Benefits (FEHB) Program  Retiring in Uncertain Times? Avoid This Survivor Benefit Mistake  FERS Go Bag

Welcome to Episode 323 of the Total Saints Podcast, your home for all things Southampton Football Club!Coming up on our final episode of the season:Arsenal Review – Saints signed off from the Premier League with a record-breaking 30th defeat of the season. We look back at a 2-1 loss to second-placed Arsenal and ask: where did it all go wrong?Will Still Confirmed – Southampton have a new manager. Will Still watched from the stands as his new side slumped to another defeat. What can we expect from the 32-year-old?Season Reflections – We each pick the moment that summed up the season, talk about where it truly went wrong, and whether Saints have lost their identity.Franny Benali Interview – Club legend Franny shares his thoughts on the season after completing his latest fundraising challenge for Saints Foundation.Academy & Standouts – A look at the U21s' promising campaign and who could step up next season.Prediction League & FPL Winners – Congrats to our champions! Prizes are on the way – DM us if you've won.Join Martin Starke, Steve Grant (SaintsWeb), Glen de la Cour (League One Minus 10), and Alfie House (The Daily Echo) for one last deep dive into a painful but unforgettable campaign.

This conversation delves into the various stages of retirement, emphasizing the importance of proactive planning and understanding the emotional transitions that retirees face. The hosts, Bobby Futch, Tanner Moore, and Tom McDermott discuss the significance of pre-retirement planning, the excitement of the honeymoon phase, the potential disenchantment that can follow, and the importance of finding stability in retirement. They highlight the need for a solid financial plan to navigate these stages successfully and encourage listeners to seek professional guidance to ensure a smooth transition into retirement. If you have any questions about your retirement planning call Guardian Investment Advisors 800-517-1575 or click here to visit our website. Planning, Retiring, Saving, 401K, IRA, TSP, 403B, TaxesSee omnystudio.com/listener for privacy information.

Jackson is back with Drew this week as they talk to callers and answer questions regarding social security, TSP rollovers, revocable trusts, and more! Download and enjoy!

“Learn to do good; seek justice, correct oppression; bring justice to the fatherless…” - Isaiah 1:17As believers, we're called to defend the powerless and stand up for those who can't stand for themselves. Right now, few places need that more than Lebanon, especially for its girls and young women. Today, Jack Hibbard is with us to share compelling stories of hope—and how you can be a part of this important mission. Jack Hibbard has been a passionate advocate for Heart for Lebanon for many years and previously served on the organization's board of directors.A Hidden Crisis for Girls in LebanonWhile global headlines often focus on Lebanon's war-torn landscape and economic collapse, an even deeper crisis is affecting the most vulnerable: young women and girls. Heart for Lebanon is responding to this crisis with bold, gospel-centered compassion, providing protection from human trafficking, early marriage, child labor, and violence.In refugee and impoverished communities, early marriage, domestic abuse, and forced labor are tragically common. One mother, now divorced with four children, shared how her own 14-year-old daughter was forced into marriage to escape abuse, only to find more of the same. In the midst of this pain, the light of the gospel is breaking through.Through Hope Centers, literacy programs, counseling, and discipleship, Heart for Lebanon offers girls a safe place to learn, heal, and flourish. They're helping young women understand who they are in Christ, not as tools or burdens, but as daughters of the King.One 5th-grade girl, forced to labor after school for just $20 a week, broke down in tears when a staff member shared her worth in Jesus' eyes. She had believed she only existed to serve others. But that day, she gave her life to Christ, choosing to walk in His light, despite the darkness around her.You Can Help Right NowWhen girls discover their God-given dignity and worth, it changes everything. The gospel doesn't just rescue—it prevents trafficking, early marriage, and abuse. It restores what the world has tried to steal.As believers, we have a chance to participate in this redemptive work. Every gift of $114 helps protect three at-risk girls from early marriage, child labor, and violence, while introducing them to the love of Jesus.When we loosen our grip on money, we loosen the grip of money on our hearts. Giving doesn't just bless others—it deepens our trust in God and draws us closer to Him.That's the vision behind our quarterly ministry partnership with organizations like Heart for Lebanon. Together, we're trusting God to help us reach 500 girls and young women in Lebanon with protection and hope.Join us in this life-saving mission. To give:Text FAITH to 98656Visit: FaithFi.com/LebanonEvery gift makes an eternal impact—rescuing girls, restoring dignity, and proclaiming the gospel in one of the world's most challenging places. Let's be faithful stewards together.On Today's Program, Rob Answers Listener Questions:I'm 75 and have two retirement accounts I'm not sure what to do with. One is a TSP from my military retirement with just under $5,000. The other is a New York Life annuity worth about $50,000, but it's only earning 2%. Should I move it into an indexed annuity or keep taking the RMDs as is?My wife passed away just two weeks ago, and I'm overwhelmed. She handled our finances; I haven't paid a bill in 25 years. We tried reaching out to a Certified Kingdom Advisor before she passed, but didn't have much success. I don't have a budget, and honestly, I don't know where to begin. I need help.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Heart for LebanonWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look 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.

Is Google staging the biggest comeback in tech history? Or are we just getting swept up in the hype?Founders often underestimate just how fast platform shifts change the rules of the game, and Google, Microsoft, and OpenAI are rewriting the rulebook in real time.In this episode, Yaniv Bernstein and Chris Saad break down Google's massive AI showcase at I/O 2025, spotlighting the rollout of Gemini Live, Gmail Smart Replies, and even AI-powered glasses. They also dive into Airbnb's bold strategy to become the “Amazon for services”—and why it could either revolutionize local work or crash hard. Plus, Microsoft, Nvidia, and OpenAI are all shaping the future of how software will be built in the AI era.In this episode, you will:Understand how Google is integrating AI into its entire product ecosystem—from Search to Android to GmailLearn why Gemini Live and Google's “AI Mode” could change how consumers interact with the internetExplore how Google is personalizing AI by tapping into your email, calendar, and DriveEvaluate Airbnb's ambition to become a services marketplace—and the operational challenges aheadSee how OpenAI's Codex, Microsoft's coding agents, and Windsurf's SWE1 model are reshaping software engineeringDiscover Nvidia's clever strategy to absorb chip competition with NVLink FusionDebate whether vibe coding tools or engineer-facing AI agents will define the future of software developmentGoogle's making a comeback. Airbnb's making a bold move. And AI tools are now building AI tools.It's a lot. But we break it down so you know what matters—and what doesn't.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 linksThe Startup Podcast is sponsored by Vanta. Vanta helps businesses get and stay compliant by automating up to 90% of the work for the most in-demand compliance frameworks. With over 200 integrations, you can easily monitor and secure the tools your business relies on. For a limited-time offer of US$1,000 off, go to www.vanta.com/tsp .Get 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/

Welcome to Episode 322 of the Total Saints Podcast, your home for all things Southampton Football Club!Coming up this week:Everton Review – After showing some fight against Man City, it was back to the usual script with a lifeless 2-0 defeat at Goodison Park. Did anyone impress? And was Rusk just trying to limit the damage?New Manager Latest – Will Still is reportedly in talks to become the next Saints boss. A 32-year-old Football Manager prodigy with limited experience—what could possibly go wrong?Arsenal Preview – The final game of this dismal season is on Sunday at St Mary's. Will we see the last of KWP, Bednarek, and other key players? Will the new manager be watching from the stands?Join Martin Starke, Steve Grant (SaintsWeb), Alfie House (The Daily Echo), and Martin Sanders as they pick through another uninspired defeat, assess the new manager rumours, and look ahead to one last Premier League match before the drop.And don't forget – 25% off a case of Total Saints Pilsner at Steam Town Brewery – just quote TotalSaintsPod to the staff when you visit.TSP is supported by our loyal TSP Patrons, thanks to everyone supporting the podcast; we couldn't do it without you. If you'd like to support us, head to www.patreon.com/TotalSaintsPodcast.Have you checked out our new TSP merch? Visit shop.totalsaints.co.uk for original designs and podcast gear!We're live on YouTube every Sunday at 7pm. Subscribe to get notifications and catch all our new content.Keep Marching In!www.totalsaints.co.ukProduced by Audio Coast Hosted on Acast. See acast.com/privacy for more information.

Navigating PCS Chaos, Saving Money, and Finding Adventure! PCSing is a constant in military life, often bringing stress, extra costs, and confusion. But it doesn't have to be a nightmare! In this episode, we dive deep into practical tips and strategies to help you survive your next Permanent Change of Station (PCS), save money, and maybe even make it an adventure. We cover everything from getting your paperwork in order to leveraging financial benefits and preparing your family for the journey. In this episode, we discuss key strategies for managing your PCS: Getting Organized & Paperwork: The importance of physical binders and electronic backups for documents. Tips for outprocessing checklists and hand-carrying essential items like orders, Power of Attorneys, birth certificates, passports, and social security cards. Keep vital documents separate from movers. Financially Preparing: The crucial need to start saving cash early for unreimbursed expenses. Access to liquid money helps with stress management and avoiding debt. Cutting expenses is the first step to saving. Understanding Financial Benefits: Dislocation Allowance (DLA): An entitlement can be taken as an advance upfront (not a loan). Rates vary by pay grade and dependents (e.g., O-5 w/ dependents $5,339, E-4 w/ dependents $3,400 in 2025).  PCS Pay Advance: Option for up to one month's base pay, interest-free, paid back over 12 months. A tool for necessary situations, better than high-interest loans. Moving Your Stuff (HHG government move vs. PPM): Options include full government shipment (through TMO) or the Personally Procured Move (PPM). A partial PPM is recommended for conus moves to get paid for weight in your car. A full PPM offers significant profit potential by paying you the government's cost (examples mentioned: Jamie's $14,000 profit in 2023, and potential $10,000 profit in 2025). Challenge misinformation about PPM rules by referencing the JTR. Temporary Living Expenses (TLE) & Temporary Living Allowance (TLA): TLE (CONUS to CONUS, CONUS to OCONUS, or OCONUS to CONUS variants): Max $290/day, limited to 21 days, can be split between old and new PDS. Can be used for M&IE even when staying with family/friends. TLA (OCONUS): Up to 60 days upon arrival, 10 days upon departure. Covers lodging plus M&IE. Reference the JTR due to common misinformation. Prioritize minimizing stress over maximizing per diem. Preparing Your Family: Frame the move as an adventure. Acknowledge feelings (sadness, excitement) for everyone. Involve older kids in packing. Remember it's a team effort. Decluttering: Less stuff makes moving easier, especially with PPM. Reduces mental stress. Try methods like the hanger trick, Marie Kondo ("spark joy"), or the "poop test" for toys. Holding a garage sale can generate extra cash. Smart Travel & Leave: Explore circuitous travel or taking leave en route by getting it on your orders. PCS is a prime opportunity to take leave between assignments. Can take leave before departing or upon arrival. Understand BH timing. Inventory & Support: Video and photograph your belongings for inventory in case of loss or damage. You are not alone. Lean on your support network, friends, family, or sponsor for help. Links Mentioned: DFAS website for TLE details  DTMO website for TLA details Joint Travel Regulations (JTR), Your ultimate (source document) guide for entitlements Kate Horrell's PCS checklists Previous Podcast Episode on the $14k PPM Profit Article about Circuitous Travel  Podcast episode about Circuitous Travel Podcast episode about Legacy Planning for Military Families For a limited time, Spencer is offering one-on-one Military Money Mentor sessions! Get your personal military money and investing questions answered in a confidential coaching call. Our new TSP course is live! 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 or email podcast@militarymoneymanual.com. 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. I also offer a 100% free course on military travel hacking and getting annual fee waived credit cards, like The Platinum Card® from American Express, the American Express® Gold Card, and the Chase Sapphire Reserve® Card in my Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3. Learn how to get your annual fees waived on premium credit cards from American Express in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3. The Platinum Card® from American Express and the American Express® Gold Card waive the annual fee for active duty military servicemembers, including Guard and Reserve on active orders over 30 days. The annual fees on all personal Amex cards are also waived for military spouses married to active duty troops.

Is “buy and hold” really the best strategy for retirement investing? In this podcast episode, Micah and Christian explore why this popular approach might not hold up especially in retirement. They explain how inflation, market downturns, and income needs require a more flexible investment strategy. You'll learn to build a written plan, prepare for volatility, and make better decisions with your TSP and other investments. Tune in to gain practical insights to help you invest confidently throughout retirement. https://zurl.co/NczRn

In this special AMA Mailbag episode, Jean dives into your most pressing retirement questions with listeners Pam and Laurie.  First up, Pam, who inherited an IRA from her late mother, wonders whether to cash it out or invest it for the long haul. Then we hear from Laurie, a military spouse navigating what to do with her husband's TSP now that he's out of the service. Should they roll it over? Keep it where it is? And what's the best way for a newly self-employed woman to start saving for retirement on her own terms?

Investigative journalists Mandy Matney and Liz Farrell dive into the fight for justice for Scott Spivey, who was killed in a shooting incident in Horry County, SC, after allegedly being chased for nine miles. Scott's sister, Jennifer Spivey Foley, has emerged as a powerful force demanding accountability. Along with attorney Mark ‘The Tiger' Tinsley, Jennifer's lawsuit has unearthed a "treasure trove of evidence" pointing to an allegedly "corrupt and inept investigation by Horry County Police" and a flawed review by SLED and the Attorney General's Office. Jennifer reveals how she discovered crucial audio recordings from evidence collected on the shooter Weldon Boyd's phone, which contradict the official narrative. You'll hear Jennifer's powerful and emotional speech before the Horry County Council, where she outlined the biased investigation, mishandling of evidence (including Scott's body), and challenged officials directly. We also share the chilling audio from Weldon's own phone where he boasts Scott was "terrified" during the chase. The episode explores the political response, including a letter from Horry County lawmakers asking the governor to intervene. We scrutinize State Representative William Bailey's decision not to sign this letter and examine disturbing recorded phone calls where Weldon Boyd discusses a potential "proclamation for bravery" allegedly crafted by his attorney Ken Moss and SC State Rep. Bailey. Bailey denies involvement, but his statements appear contradicted by the evidence. We also dissect the Horry County Police Department's press conference aimed at mitigating backlash. Chief Kris Leonhart's explanation of "improperly labeled videos" is obviously inadequate. More significantly, Chief Leonhart's claim that former Deputy Chief Brandon Strickland had "no action on scene" is directly countered by Strickland's own voice on tape admitting he was "working in the shadows" for Weldon Boyd the night of the shooting.  Lots to cover, so let's dive in...