Podcasts about Uncle Sam

"No taxation without representation!" One of the rallying cries of the American Revolution--but here's the twist: the reverse is also true!What if you could keep your blue passport, stay on American soil, and legally reduce your tax bill by 90% or more? Sounds too good to be true, right? Welcome to Puerto Rico.The U.S. territory that most Americans overlook is quietly becoming a magnet for savvy entrepreneurs, crypto millionaires, and anyone tired of writing massive checks to the IRS. Residents don't get to vote in federal elections, but in exchange? Some of the most jaw-dropping tax incentives you'll find anywhere in the world.Developer and longtime Puerto Rico resident Angus Beavers sits down with Mona and Rebecca to pull back the curtain on what life is really like after making the move. The money you'll save. The lifestyle you'll gain. The mistakes people make. The surprises nobody tells you about.Whether you're already packing your bags or just wondering if there's a better way than hemorrhaging money to Uncle Sam every April, this episode will change how you think about taxes, citizenship, and what's actually possible.Ready to explore the 4% solution?

On this episode: A retirement lesson from Oreos. How advisors and clients differ on the market risk discussion. Does your advisor do estate planning, or does he/she just pass out business cards? Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

On this episode: Unspent money = unrealized memories. Most of us go right along with Uncle Sam’s plan for your IRA. Why? What to do with your biggest retirement asset. Like this episode? Hit that Follow button and never miss an episode!

TERRA BELL | Ozempic on sale | Where did all the church bells go? | Uncle Sam can't save you | RTC.EP128

As another tax year comes to a close, many successful business owners are undoubtedly asking themselves the same question: How do I keep more of what I've earned away from Uncle Sam this year?  In this episode, I'm sitting down with Bayntree's Director of Corporate Development, Brian Hartstein, to break down year-end strategies to help entrepreneurs and high-income earners make the most of their pre-tax dollars and reduce their biggest expense: Taxes. With over 30 years of experience collaborating with business owners, CPAs, and plan administrators, Brian has seen firsthand how many companies wait until the fourth quarter to address tax planning. He emphasizes the benefits of proactive planning and how it leads to significant savings and long-term wealth creation through strategies such as SEP IRAs, 401(k)s, profit-sharing plans, and cash balance pension plans. We'll also walk you through the Retirement Plan Pyramid, and demonstrate which tools make the most sense for different business stages—from solo entrepreneurs to companies with dozens of employees.  Whether looking to shelter high income before year-end or looking for ways to use retirement plans as a competitive advantage to recruit, retain, and reward top talent, this episode will help you identify smart, actionable ways to keep more of what you earn and build your retirement wealth strategically. In this podcast interview, you'll learn:  Why most business owners wait too long to plan—and how to avoid the "fourth-quarter fire drill." The most overlooked pre-tax opportunities that can save tens of thousands in taxes. How to choose between a SEP, SIMPLE, 401(k), or cash balance plan based on your business structure. The power of the Retirement Plan Pyramid and how each layer fits your financial goals. How to use retirement plans as recruitment and retention tools for key employees. Why being proactive—not reactive—with your CPA and advisor can make all the difference. Find All Interview Resources Here - www.bayntree.com/118 Download your copy of The Entrepreneur's Financial Planning Checklist

Ok, he didn't get (sort of) married on the episode, but he's had three weddings to plan so far this year and has been absent for some time, and we were so thrilled upon his return that we promptly forgot about third person omniscient, which was ostensibly the focus of the episode. Krispy isn't legally married (which makes him no less wedded to his wife, in our humble opinion; they just haven't clued in Uncle Sam yet), but perhaps that will come in a later episode.What do we talk about, you ask? We've got a real smorgasbord for you here, with a bit more talk about writer's block; creative discipline; historical trivia; scatological and bodily humor; poetry struggles; and how to become an ordained, internet-accredited minister.Stories begin at the 10:30 mark and include a raccoon, a tense exit in the rain, a story with urine jokes (fair warning!), a story with poop jokes (another fair warning!), and a story that got a bit too heartrending. Like this weeks episode and wish you could read as well as listen? Subscribe to our Substack for a summary of our opening discussion, a story from the episode, and a writing prompt! Be sure to follow us on Instagram (if that's your sort of thing). Please do send us an email with your story if you write along, which we hope you will do. Episodes of Radio FreeWrite are protected by a Creative Commons Attribution-NoDerivatives 4.0 International (CC BY-ND 4.0) license. All Stories remain the property of their respective authors.

How do you know if your financial advisor is a bad fit for you? What about an advisor that you're thinking about working with? What red flags should you be looking out for?   Important Links: Website: http://www.yourplanningpros.com Call: 844-707-7381   ----more---- Transcript:  Marc Killian: How do you know if your financial advisor is a bad fit for you? What about an advisor that you're thinking about working with? Are there some red flags to be on the lookout for this week on Plan With The Tax Man? We'll highlight five of those to keep an eye on.   Hey everybody, welcome into the podcast Plan With The Tax Man here with Tony Mauro and myself, Mark Killian, to talk about some red flags to hopefully you're not ignoring or at least be aware of. And we'll dive into that this week here, Tony, as we're getting pretty close to Thanksgiving. How you doing, my friend?   Tony Mauro: I'm doing good. Getting ready for the holidays myself and getting ready, well with the staff, for the year-end.   Marc Killian: Okay. Yeah, well, I mean, it is a busy time of the year for everybody. And so maybe if you are shopping or thinking about doing something, making a change, some red flags to maybe be aware of. So we'll run through a few of these for folks, see if we can help them out. Let's start with the whole cookie cutter conversation, the one size fits all approach. Obviously at this point it's become cliche. Every advisor says you need a specific strategy for your situation, but it really is true because there are still some of those big box places out there that just try to jam everybody into the same kind of thing.   Tony Mauro: There is. I have more and more conversations with clients about this, and you're right. All of us advisors, everybody knows that we all do the same thing. But I think too many of us, if they're going with this one size fits all approach, I think we're doing a disservice to the clients. So I think if you are a person out there looking for an advisor, you want to ask about what is your approach for your clients and what do you do with them and how do you do it a little bit?   Because for us, we like to start, and I just had a conversation with a tax client yesterday about we don't want you to come to us just for us to have you do say a Roth IRA. And we just manage the money. You're paying us, so we want to provide some value. We want to get to know you, we want to develop a plan and help you through the plan. So I would definitely ask those questions and don't be afraid to do that because that's what's going to determine if they're a good fit for you or not.   Marc Killian: Yeah, exactly. And every situation's a little bit different, certainly. And there's certainly universal things that do affect us all. But just kind of trying to jam everything into one style that 20 people walk in the door and they try to put them all in the same overall portfolio and approach. And maybe that's the key word right there, Tony, is that a lot of times these big box places, they're really talking more about the portfolio management and things of that nature versus a holistic retirement strategy.   Tony Mauro: They are. And we don't spend a lot of time on that because I don't want to say we don't feel it's important because it is. But that's secondary to really what you want to do and where you want to get to because we can figure out that part of it later. And there are so many choices that we'll find something there. I don't like to lead with that and talk about performance and this and that because I don't think that that is the first thing we should be doing.   Marc Killian: Yeah, you're talking about relationship and life planning, if you will, a little bit, more than just portfolio building at that point. Most of us have built one. Sure, we still want to manage things and then stay ahead of the inflation and keep going, but you're talking taxation and social security optimization, there's just all these other pieces that go into it. So that's where the customization truly does come into play. All right. That's the first one, Tony. How about the communication aspect? So also sometimes a knock on some of those places is, well, okay, they got me set up and I never hear from them after that.   Tony Mauro: Yeah, I hear that a lot. I really do from clients, and sometimes it can go several years. And to me, I always ask them, well then they're not really, in my opinion, your advisor. There's somebody that is maybe managing your money or at least supposed to be watching it, but most fiduciaries, we have an obligation to at least meet with you once a year. But we try to do that more than once a year, even if it's just a phone call or a Zoom call, something like that. Because we do want to communicate with you and we don't want to just talk about how the market's doing and what's going on in the latest rally, or decline, or political situation, things like that.   We want to talk about what's changed in your life and if some of your goals have moved and things like that, we'll touch on some of that current event stuff. But I think it's important to just keep in communication to let you know that we are still looking after things and monitoring your plan, even though you don't hear from us. Because a lot of people, if we don't communicate with you, you probably start scratching your head saying, well, why am I paying these people and what am I paying them to do for me if I'd ever hear from them?   Marc Killian: Yeah, yeah, exactly. So communication is certainly a big key. And transparency also a big key, Tony. If you can't tell how somebody's getting paid, that's a serious concern. That's a big red flag. And transparency not only in the fees you're paying, but fees you're paying for your products and just across the board. That should just be a must. Transparency across the board.   Tony Mauro: I think it is. I think it should be one of the first things that are talked about. We talk about it with our clients and prospective clients right up front. And we tell them just like when we do your tax return or your accounting, we're paid pros. And as long as you understand that, here's the value we're going to deliver, here's what you can get for the money you're paying for us. And it's up to you then to decide if you think that there's enough value to pay that fee. But we definitely don't want to hide behind that. And I definitely wouldn't be afraid for all of you out there to ask your advisor that. And just so you know, you're not really questioning that they should be getting paid more of how and what motivates them. And I think more of the truer measure, I'm one of those fee for planning types of guys or asset-based management. I don't really like commissions and things like that. I do think that skews some things and can lead some people to do things that aren't in their clients best interest.   Marc Killian: Yeah, again, you're talking about relationship building. So why would you not want to have that transparency anyway on all facets of things? So it just totally makes sense. Okay. Tax strategy, so well, Plan With The Tax Man, right?   Tony Mauro: That's right. My favorite.   Marc Killian: Exactly. So I mean obviously if you're working with somebody who is, again, the focus is primarily on the accumulation and you don't really touch on some of the other pieces of the long-term aspect of retirement, getting into retirement, all that kind of stuff, then you're certainly a red flag because you got to have a tax strategy, Tony, you know this as a CPA, the prior year information is fine and good, you're handling all that, doing the annual taxes. But you really want to be thinking about future taxes as well, forward-looking. And someone like yourself who does multiple sides of the coin, you're a CFP as well as a CPA, you're looking at both of those.   Tony Mauro: Trying to always look at both of those, especially with a financial plan planning client because you know what they say. Taxes, they're with us till the day we die. It touches pretty much everything. It's one of the biggest expenses over our lifetime. Why would you plan your future without taking that into consideration. And it's bad. And I don't know what the best word is here to say. I better leave it alone. I don't want to talk about the government. We're coming off to shut down and everything else. But as bad as they are, sometimes the tax code is full of things that we can do legally to help cut our taxes.   And a lot of people aren't familiar with them or haven't taken advantage of that. And it's certainly true with retirement, but there's also some things you can do in retirement to cut your taxes now, but then you've got to deal with it later. You've got basically a payable to Uncle Sam. So it's important to factor that in when you're planning, I think. It's my number one favorite and my number one biggest reason why I think people should use somebody that has a tax background when they're planning.   Marc Killian: And again, nothing wrong with your CPA looking at the prior year, that's their job, right?   Tony Mauro: Right.   Marc Killian: But working with someone who has, I guess the mindset to do both sides of the aisle if you want to stick with the political conversation, sort of is a great way to go about that. And of course doesn't mean that you can't have your own CPA and work with people as well, but just again, make sure you're having that tax strategy conversation and working with a financial professional who is thinking about the tax simplifications of the moves you're making because they will be there. They're not going anywhere to your point. And I guess Tony, that really just brings it back home to the final piece for, so we talk about five today, and that's just not a lot of information gathering.   Look, you've been doing this 30 plus years. It's probably very fair to say if a brand new prospects walk walks into your door and sits down with you in that hour consultation, you probably, if you've got their information, you're looking at it, you probably could give them recommendations right then and there, right? Because you've been doing it long enough. You've seen it enough time. It's like mechanic says, "Oh, yep, I know exactly what's wrong with your car." However you want the diagnostic fully done to make sure that it's not something else or that all the different pieces. And that's where, again, the communication, the information gathering, taking the time to learn about the client is crucial when working with a professional. So if you're not getting that, that's a red flag.   Tony Mauro: That's a huge red flag because yes, you're right. Somebody walked in my door hypothetically and said, "Look, I want to open up a Roth IRA. Just tell me what fund to put my money into and I'm going to go do it." Yeah, I could give them a number of funds or stocks or whatever else they want, but that's not really what I'm being paid to do. And I do have a duty to make sure that what I'm saying fits them. The only way that I can make a good recommendation, whether it's a plan or a specific investment, is to know a lot about what they want, what they have, where they're going. And so I generally gather a lot of information.   Now we use some tools technologically, we use Asset Map for us. It makes it very easy for the client to get it started without having to feel like they're getting the third degree interrogation, trying to get every last piece of their financial advice or a life. But we try to make it fun for them. But in the end, and they help construct that. They tell us really everything they have and where they want to go and everything. And then we have it, like I say. We take their assets and kind of throw it on a map and rearrange it and come up with a plan.   Marc Killian: And that's why it's Plan With The Tax Man.   Tony Mauro: That's why it's was plan. You got to be able to plan.   Marc Killian: You got to be able to plan. So look, a great financial advisor will build a relationship with you. If something feels off, listen to your gut. We have those things for a reason. A lot of times they're right. And their right advisor hopefully is not making you feel like you're in the dark or are not understanding or whatever the case is. And so if you're already working with somebody and you feel like you've got some red flags, and you're not getting answers to the questions and you're shopping around, or you're just shopping around for their first advisor, take the time to find the right fit for you. That's why they all offer those complimentary reviews and consultations. That's why the podcast, just about everybody has a podcast and video channels and stuff like that. It's a great way to learn more about them and that their philosophy is a good fit for you.   Then you go in for the consultation and so on and so forth, and you see if it's a home run or not. So that's going to do it for this week here on Plan With The Tax Man. Don't forget to subscribe to us on Apple, Spotify or whatever podcasting app you like using, and you can find all that information at yourplanningpros.com, as well as get on Tony's calendar there and his radar for a consultation at yourplanningpros.com. With that, we're going to say we'll see you next... Well, right before Thanksgiving probably. So have yourself a great week and Tony, I'll talk to you soon.   Tony Mauro: All right, thanks.   Marc Killian: We'll catch you later here on Plan With The Tax Man.   Securities offered through Avantax Investment Services SM, member FINRA, SIPC. Investment advisory services offered through Avantax Advisory Services. Insurance services offered through an Avantax affiliated insurance agency. Investment strategies discussed in this episode may not be suitable for all investors. Please consult with a financial professional.

“Uncle Sam”, de Alex Ross y Steve Darnall, publicada por Vértigo en 1997. Una historia sobre la conciencia de un país… y sobre cómo se mira a sí mismo en el espejo. Uncle Sam no busca destruir el mito. Busca reconciliarlo con la verdad. Recordarnos que amar a un país —a cualquier país— también implica atreverse a cuestionarlo. Narra Miguel Ángel Hernández.

Hold onto your Uncle Sam hats, folks! In this high-energy episode of the Comic Crusaders Podcast, Al Mega sits down with the wild minds behind the hilarious and savage new political humor comic "American Greatness: Issue #1″—Fred Millard and Seba Valencia!

On this episode: Retiring into a down market. Are you ready? Uncle Sam says you have to take IRA money at 73. What are your options? Like this episode? Hit that Follow button and never miss an episode!

Want to know what keeps retirees up at night? It's not what they did—it's what they wish they'd done ten years earlier. Joe Saul-Sehy is joined by Jill Siriani (Frugal Friends), Jesse Cramer (The Best Interest), and Doc G (Earn & Invest), who all pull up chairs in the basement for a powerhouse roundtable on the five regrets that show up again and again when people hit retirement. These aren't hypothetical "what-ifs"—they're real stories from a real CFP, sharing tales about people who wished someone had told them sooner. From botched investment allocations that left people either too risky or too conservative, to tax mistakes that cost tens of thousands, to the heartbreaking pattern of people who saved everything but never actually enjoyed their money—this conversation gets real about what actually matters when you're trying to retire with confidence (and joy). The good news? Every single one of these regrets is avoidable. The panelists share what to do now so you don't become one of these stories later, including the estate planning moves that take ten minutes but save your family years of headaches, and why the biggest retirement regret isn't financial at all—it's emotional. Plus: Doug's trivia challenge pits the panel against each other for bragging rights, because even serious money talk deserves a little competition. What You'll Walk Away With: • The five regrets that show up over and over in retirement—and the specific moves that prevent each one • Why your investment allocation in your 40s and 50s might be setting you up for regret in your 60s • Tax strategies that keep more money in your pocket (because giving Uncle Sam extra is nobody's retirement dream) • The simple estate planning steps most people skip—and why your family will thank you for not skipping them • How to give yourself permission to actually enjoy your money instead of hoarding it out of fear This Episode Is For You If: • You're decades from retirement but want to avoid the "I wish I'd known" moments • You're closer to retirement and worried you've missed something important • You want to hear top financial minds debate what actually matters (spoiler: they don't always agree) • You're tired of generic retirement advice and want to hear what real retirees actually regret • You believe retirement should be about living well, not just having enough FULL SHOW NOTES: https://stackingbenjamins.com/top-5-retirement-plan-regrets-1758 Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.StackingBenjamins.com/201 Enjoy! Learn more about your ad choices. Visit podcastchoices.com/adchoices

When you turn 73, Uncle Sam says you have to start taking money out of your 401(k) and IRAs. But what if you don’t need it to live? Does it become a big tax headache? Greg breaks down how the RMD options. Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

In this solo episode, Trevor breaks down real-world tax strategies that most accountants won't tell you about. From choosing the right business entity to leveraging legal tax loopholes, this episode is packed with information that can help you keep more of the money you earn. Trevor explains what questions to ask your CPA, how to structure your business the smart way, and what moves you can make before tax season to protect your profits.This isn't financial advice—it's insight from someone in the trenches who's tired of watching business owners overpay Uncle Sam.If you are ready to level up personally and professionally, go to joinrbo.com

Small businesses that sued President Trump over his tariffs aren't just looking to end them — they're also hoping to get a refund from Uncle Sam to make up for their losses over the last months. The Supreme Court will hear their case Nov. 5, in what is shaping up as one of the big cases this term testing the limits of the president's powers. Michael McConnell, one of the lawyers for the five small businesses, told "Court Watch" host Alex Swoyer that they've suffered serious setbacks since the president hiked tariffs, including one of the firms that's teetering on bankruptcy.

Today, we're talking about the devastation Hurricane Melissa wrought in the Caribbean; trade progress between Uncle Sam and China; record-breaking earnings on Wall Street; and other top news for Friday, October 31st. Stay informed while remaining focused on Christ with The Pour Over. World Concern Donation Link Join over 1.5 million readers with our free newsletter here Looking to support us? You can choose to pay here Check out our sponsors! We actually use and enjoy every single one. Cru Surfshark Holy Post CCCU Upside HelloFresh Mosh LMNT Theology in the Raw Safe House Project A Place For You Practicing Life Together Not Just Sunday Podcast Quince Courage for Life Study Bible She Reads Truth

Did you know some investments can generate income without triggering a big tax bill? From municipal bonds to tax-advantaged accounts, there are several smart ways to keep more of what you earn. In this interview, Peter with Richon Planning and Erin Kennedy walk through:  Municipal Bonds — why their interest is federally tax-free  Tax-Exempt Money Market Funds — and how they work  Series I & EE Bonds — interest that's free from state and local taxes  Treasury Bills — federal tax applies, but no state or local taxes And Why a Roth IRA might provide the biggest tax advantage of all Investing isn't just about growth, it's about keeping more in your pocket. If you'd like to learn how to pay less to Uncle Sam (while still following the law!), give Peter a call at (919) 300-5886 or visit www.RichonPlanning.com

Charitable Giving and Tax Strategies with Sean Mullaney, The FI Tax GuyIt's time to shred your confusion about taxes and charitable giving. In this episode of The Extreme Personal Finance Show, Chris from Heavy Metal Money sits down with Sean Mullaney — also known as the FI Tax Guy — to talk about how upcoming 2025–2026 tax changes could impact your charitable giving, deductions, and retirement planning.Sean is a fee-only fiduciary financial planner and the co-author (with Cody Garrett) of the new book Tax Planning To and Through Early Retirement. He's been featured in The Wall Street Journal, The New York Times, MarketWatch, and on major podcasts like ChooseFI, Stacking Benjamins, and BiggerPockets Money.In this episode, we cover:• Why 2025 is a golden year for charitable giving• What's changing in 2026 (including that new $1,000 non-itemizer deduction and the 0.5% haircut on itemized deductions)• How to supercharge your giving with Donor-Advised Funds (DAFs)• Why Qualified Charitable Distributions (QCDs) are a game-changer after age 70½• How to support causes you love—like The Luger Foundation—while still keeping Uncle Sam off your back• Simple, no-fear strategies for optimizing taxes through early retirementWhether you're just starting your FI journey or planning your drawdown years, Sean breaks down the complex tax talk into plain English with clear, actionable strategies that anyone can use. I love this!The discussion is intended to be for general educational purposes and is not tax, legal, or investment advice for any individual. Chris and The Extreme Personal Finance Show do not endorse Sean Mullaney, Mullaney Financial & Tax, Inc. and their services. Contact Chris:https://heavymetal.moneyhttps://www.facebook.com/MoneyHeavyMetalhttps://x.com/MoneyHeavyMetalhttps://www.instagram.com/chrislugerhttps://www.tiktok.com/@heavymetalmoneyemail: chris at heavymetal.moneyConnect with Seanhttps://fitaxguy.comhttps://www.youtube.com/@SeanMullaneyVideoshttps://x.com/SeanMoneyandTaxResources and Links:Tax Planning To and Through Early Retirementby Cody Garrett & Sean Mullaneyhttps://amzn.to/4mRkisVhttps://www.measuretwicemoney.com/bookhttps://www.thelugerfoundation.orghttps://fitaxguy.com

After years of diligent saving and investing, many people are thrilled to see their retirement accounts grow. And while that's certainly an achievement worth celebrating, there's a sobering reality to consider - Uncle Sam is patiently waiting to collect his share of every dollar you withdraw from those tax-deferred accounts.

**THIS EPISODE CONTAINS FULL SPOILERS**In this episode of Film is Lit, we're joined by our good friend and fellow Stephen King enthusiast, Mike Feser, as we take "The Long Walk" - both literally and figuratively - through the 2025 film adaptation of King's chilling 1979 novel. It's a faithful adaptation, depicting a harrowing journey that tests more than stamina, and we're here to break down every grueling mile: the performances, the tone, and that shocking ending. Plus, we talk about Mark Hamill's SECOND Stephen King role of the year - trading in the sweet grandpa from "The Life of Chuck" for what is basically Uncle Sam (in shades!). So lace up those boots, listeners... this episode goes the distance!#TheLongWalk #FilmIsLitPodcast #StephenKing #MarkHamill #FrancisLawrence #DavidJonsson #CooperHoffman #JudyGreer #BenWang #RomanGriffin Davis#DannyGaylord #MikeFeser #BookVsMovie #KingAdaptation #HorrorMovies #DystopianThriller #Moviereview

This week - The invisible conference, King Coal dethroned and the green energy Six Pointer. Uncle Sam's Fat Beardo problem and Blair's new war zone gig. Farage makes Dale an offer - while members plan green energy investment. We ask, is Octopus the new mouthpiece of the right and this Jenrick bloke - litter picking in Brum? We find sanity in our listener questions….and fun in X Rated corner.Oh and we tease next week….Terrorists v freedom fighters  

On this episode of Fire Your Financial Advisor by Golden Reserve: Yelling “Uncle!” doesn’t help get your 401(k) out of a financial headlock. What are your exit ramps from a market crash? Is your retirement strategy too complicated? Sometimes boring is better. Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

It's Saturday night on Nantasket Beach, and you are at the front of the line to get into Vogue Nightclub (formerly Uncle Sam's). This is what you hear when you enter the club. Tracklist for October 1, 2025 01 :: Clio - Faces 02 :: Big Ben Tribe - Heroes 03 :: ABC - Be Near Me 04 :: Cyndi Lauper - Girls Just Wanna Have Fun 05 :: Koto - Jabdah 06 :: Starflight - Dance To The Beat 07 :: Alisha - All Night Passion 08 :: Corina - Temptation 09 :: Whodini - Five Minutes of Funk (Instrumental) 10 :: Iudy - Island In The Sun 11 :: ...

On this episode: Breaking free of the market dictating your retirement lifestyle. Saying “Uncle” won’t release the headlock on your 401(k). Dividend-paying stocks are seeing record numbers. What we can learn about retirement planning from a rabbit. Like this episode? Hit that Follow button and never miss an episode!

Medicare isn't always as free as you think. In this episode, we'll explain IRMAA—the income-based surcharge that can raise your premiums and shrink your Social Security check. Learn what triggers it, who's most at risk, and a few smart planning moves to help keep more money in your pocket.   Helpful Information: PFG Website: https://www.pfgprivatewealth.com/ Contact: 813-286-7776 Email: info@pfgprivatewealth.com   Disclaimer: PFG Private Wealth Management, LLC is an SEC Registered Investment Advisor. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. The topics and information discussed during this podcast are not intended to provide tax or legal advice. Investments involve risk, and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial advisor and/or tax professional before implementing any strategy discussed on this podcast. Past performance is not indicative of future performance. Insurance products and services are offered and sold through individually licensed and appointed insurance agents.   Episode Transcript Think Medicare is free once you hit 65. Well, not quite. If your income's too high, there's a hidden surcharge that can quietly shrink your social security check by thousands a year. It's called IRMAA, and we're going to talk about that today here on Retirement Planning Redefined. Hey everybody, welcome into the podcast. Thanks for hanging out with John and Nick and myself as we talk, investing, finance and retirement. And guys, we're going to talk about Aunt Irmaa this week instead of Uncle Sam. Seems like there's these two relatives that got their hand in your pocket. I've always been taught to call IRMAA, the Aunt Irmaa that comes by and pinches your cheeks really hard instead of the cool one that gives you candy when you're a kid. So we're going to talk about IRMAA, and what it is and why it exists and all that good stuff this week. How you doing, John?   John: I'm doing all right. How are you?   Speaker 1: Hanging in there. Doing pretty good. Looking forward to chatting with you guys about this, learning a little bit about what is IRMAA and what does it do to us. And Nick, my friend, how are you?   Nick: Pretty good. Staying busy in the red zone for wedding planning and all that kind of stuff. And we are in football season so-   Speaker 1: There you go.   Nick: ... I've had to adjust my sleep schedule a little bit.   Speaker 1: Exactly. So between planning and football, you're burning the candle at both ends.   John: Monday is a little slower for Nick-   Speaker 1: Little slower. Gotcha.   John: ... the last three weeks, especially with the Bills, how good they look.   Speaker 1: Yeah, for sure. Yeah, my Lions look pretty good on Monday night this pastime.   Nick: You sure do.   Speaker 1: Yeah. Well, let's get into the conversation a little bit, guys. What is IRMAA and why does it exist? Whoever wants to start?   Nick: All right, I'll go ahead and start. So essentially IRMAA is an acronym that refers to essentially an income related monthly adjustment for the cost of Medicare part B and D. So essentially back in '03, as the plans both Medicare and social security continually get reevaluated due to the pressure that they're under from the standpoint of expenses and flows in, they decided to put this into place where to kind of tier it where people that were earning income currently, so if you're single earning income greater than 106,000 or married filing jointly earning income greater than 212,000, the premiums for part B start to go up. So this is something that we've dealt with quite a bit with clients.   It's based upon modified adjusted gross income, which nobody knows what that means, but it is a term that everybody's heard or most people have heard. As a reminder part A, there is no premium charge as long as you worked you or your spouse or former spouse work 40 quarters. This applies to the part B and part D. And it's not a penalty from the perspective of how they look at it. It's not like you're doing something wrong. It's more along the lines of almost just like tax brackets where lower income, lower bracket, the same thing on this, lower income, lower premium.   Speaker 1: Gotcha. Yeah. And that interesting piece that catches people is that it's a two year ago look back. So they're going to adjust it based on what you made two years back. So as you move into retirement, that could feel a little... You're like, wait a minute, why is this going up? But they're looking at maybe the last couple of years.   Nick: Yeah, for sure, and there is a form that people can fill out. We oftentimes help people fill them out. I think we've done it twice in the last two weeks where you can basically contest it. So especially if you've just retired and you were previously high income and they look back those two years, you can let them know that, "Hey, moving forward, this is going to be my income, it's going to be reduced."   Speaker 1: Gotcha.   Nick: Explain why, and oftentimes you can get it amended moving forward.   Speaker 1: Okay. And John, so hit us with some numbers here. So who's at risk paying the most? Obviously, there's some data in here and Nick explained that the more you make, but what's some of those guidelines?   John: Yeah. So just looking at the base levels here, single father who's modified adjusted gross income is over 106,000. Then they're going to be at risk of basically, we know it's not a penalty, but basically paying more for part B.   Speaker 1: Right.   John: And if you're married filing jointly, it's over 212,000. And the more you make, there's different phases of it where you might pay $74 and then it'll go up a little bit more as the modified adjusted gross income is up.   Speaker 1: Yeah, we'll talk about that here in just a second. So obviously it's not hard to get to 212 for a lot of couples, so this could impact a lot of people obviously.   John: Yeah, so no, we do see this coming up quite a bit lately, and where we see it is when someone hits RMD age, where if they've been sending so much money into pre-tax buckets and all of a sudden it's, hey, you have a 50, $60,000 RMD, you have two social securities, and with the cost of living adjustments the last five or six years, some of these social security payments are getting pretty large compared to what they were about six or seven years ago, with the run-up in the market, these are getting really large. So that's where we start to really see it come into play is high income earners have been saving a lot into their pre-tax accounts, and all of a sudden, it's time to pull out of those. You can be forced into this.   Speaker 1: Gotcha. Yeah.   Nick: A couple other areas I would say too is if there's a situation where for whatever reason there's one spouse and a married filing jointly situation where one spouse is still working, other spouse is retired, and we've seen people, especially if they do it before they come and speak with us where they look and see like, "Oh, I should only pay the one 70 a month for part B," and not realizing that there is this test and the retired spouse goes on Medicare instead of going on their spouse that's still working's plan, health plan and not realizing that the income is going to take them over the threshold and they're going to pay more on part B than they would have if they were just a part of the plan at the work. And then...   Speaker 1: It's kind of sizable too, right? I mean, you're talking-   Nick: Oh, yeah.   Speaker 1: ... it could be some big chunks of money here.   Nick: Yeah, for sure. I mean, especially if you get to... So single 167 to 200K is almost an additional $300 a month for part B and 57 on part D. So that's another $4,000 a year on an expense aside. Married filing jointly at that same amount, 334 to 400, and we'll see issues like this too, where maybe there's a small business owner or self-employed or maybe them in one or two employees and their premiums, they had been running through the business and they attempted to switch over to Medicare at 65 and/or fed some issues with people almost being, not necessarily forced, but almost forced that way with their policies when they are over the age of 65, if it's a small or a one person individual plan and not realizing that, again, that their premiums are going to be substantially higher than they expected. So it definitely happens more than people realize.   Speaker 1: Yeah. Well, John, you talked about what triggers it, a lot of the times being RMDs, people moving into that. What are some other things that might trigger IRMAA?   John: Yeah. So what we've seen in the past where people run into trouble, and this is where if you listen to our podcast, we always talk about being able to prepare for unexpected events and having a balance. But let's say someone has most of their money in pre-tax and their dream home comes up and they really want to buy it and they got to jump through some hoops to potentially get it. They can afford it, but the majority of the money is in the pre-tax account and they got to pull it out, maybe a down payment or whatever it might be that could put your income up more than you expected. The unforeseen medical expenses where all of a sudden things are going along great, and emergency happens, you need to pull 20, 30 grand out to cover some medical expenses. That happened. I mean, oddly enough, I just had someone I think have to pull out almost 40, 50 grand for dental expenses unexpectedly, which as everyone knows typically not covered by any type of insurance, even if you have dental insurance, it's not covering that-   Speaker 1: Right. Right.   John: ... what you need that for. So things come up, family emergencies. Another scenario I've seen in the past, just trying to give people some examples of things to consider before they make any moves that are permanent. Home sales, let's say if you had a second property, you've been depreciating it and all of a sudden it's like, "Yeah, it's time to sell this," or you're forced to sell it. There could be some pretty large capital gains that would actually put you above these thresholds as well.   Speaker 1: Yeah. So basically it's income generating items, right? That's what's going to trigger it. So I guess the opposite being said, Nick, is that things like Roth IRA withdrawals for example, wouldn't trigger it, right? Because it's tax, it's not against your income.   Nick: Yeah, Roth IRA withdrawals, HSA distributions, income that you might receive from a reverse mortgage and then a life insurance policy loan are all things that could be helpful. One thing I'll say additionally is in line with this and with some of the reasons that will cause this. We've had clients quite a bunch recently where they've got substantial non-qualified money, so non-retirement money and they're looking to get a new home and/or they're in the process of selling their current home, looking at the new home, trying to avoid costs associated with mortgage, et cetera. And instead of selling the holdings, which oftentimes, especially over the last 3, 4, 5 years have substantial gains built in that then have this cascading effect that would impact this and that sort of thing where we've been using essentially what's called a pledge asset line or a line of credit on non-retirement accounts.   So they can take a loan bridge that period of time, get the access to the funds, have to pay interest, but it's non-taxable transaction, and then use that money, do it, wait for the sale of the original property and then just pay back the loan. And that's a perfect example of where with IRMAA where that could be an unforeseen consequence of somebody just maybe doing a traditional way, "Hey, I've got this money here, I'm just going to cash out. Yeah, I'll have to pay taxes." But that's in their case or their thought process, they might prefer that versus having to get a mortgage or paying a bunch of extra fees and expenses associated with the mortgage or having to go through the process of underwriting, et cetera, and this additional impact on IRMAA for a year.   Speaker 1: Gotcha.   Nick: So yeah, it's just one of those things where it's almost like a multiplier effect that falls down and just kind of a snowball going downhill.   Speaker 1: Well, let's talk a few strategies guys as we wrap up this week on ways to maybe avoid or at least lower IRMAA, again, if it's income related. Obviously, John, you talked about the RMDs. Obviously, conversion could be one way to do that, a Roth conversion. Yeah?   John: Yeah. And this goes back to the stressing, making sure that you have a plan in place to adjust to any situation. So what we find is let's say someone retires 62, 64 when we're doing the plan, we can estimate their taxes, what they're going to be now and in the future. And if we see a period where it's like five or six, seven years before RMD age is like, "Hey, we could start doing some Roth conversions here," and what we'll do is we'll estimate how much of a conversion to do to make sure they don't jump up into a higher tax bracket. So what that will do, ultimately, it'll give them a little bit more tax-free income so we don't trigger the IRMAA and then also it will lower their RMD. So IRMAA doesn't get triggered by that. So again, that's a great way to try to avoid any future IRMAA surprises basically.   Speaker 1: Yeah. Yeah. And Nick, what's some other ones besides that? I mean, obviously, that's going to be probably a bigger one for many people, but I mean like tax loss harvesting, things of that nature.   Nick: Yeah. So if you have non-qualified assets and you're working with somebody that manages your account and/or you're handling it yourself, you want to make sure that you're taking advantage of tax loss harvesting in that account. Inevitably, any portfolio is going to have some winners and losers at the end of the year. If you can sell off some of the losers to offset previously recognized gains and/or get yourself some losses on paper to use to offset future gains, that's something that you can absolutely do. The qualified charitable deduction, being able to send money directly from your IRA qualified charitable distribution to reduce your taxable portion of the RMD that you have to take can be a great tool as well.   So you just want to... We always talk about with clients that it's really essential, should we have the time, you really want to have the three buckets of assets to generate income and retirement, those being pre-tax Roth and unqualified assets. And this is kind of a perfect example. I had a conversation with a client earlier, them just wrapping their mind around, hey, a distribution from a non-retirement account doesn't necessarily mean that it's taxable. And oftentimes those are some of the most flexible accounts and could provide quite a bit of a lot of different options on how to take income and reduce some of these hidden expenses like IRMAA.   Speaker 1: Yeah. So, I mean, it's a sneaky one that can get some folks, and again, we want to make sure we're being as efficient as possible with anything, and that's why a good strategy for your situation is important. I mean, these things can exist to affect all of us, but how you handle it, how you work with it, and based on your income and so on and so forth, and how you're pulling money and where you're pulling money and when you're pulling money can go a long way. So it's something worthwhile to make sure you're sitting down and having a conversation about that hidden Medicare penalty, if you will. However, you want to look at it. It's still something that frustrates people.   So if you need some help, get yourself onto the calendar. Don't let it sneak up on you and eat into your income. Reach out to Nick and John and have a chat today at pfgprivatewealth.com, that's pfgprivatewealth.com or call them at 813-286-7776. That's 813-286-7776. Or again, just go to pfgprivatewealth.com, schedule that 15-minute chat, have that 15-minute chat and subscribe to the podcast on whatever app you enjoy using, Apple, Spotify, so on and so forth. Guys, thanks for hanging out and breaking it down. Always appreciate it. We'll see you next time here on Retirement Planning Redefined with John and Nick.  

Some people spend decades diligently saving for retirement, watching their 401(k)s and IRAs grow. But here's an important question many fail to ask: "How much of that money will I actually get to keep after taxes?" If you have a million dollars in your retirement account, Uncle Sam could be entitled to a significant amount of that, depending on your tax situation.

Today, we're talking about Uncle Sam's 20-point plan to end the Israel-Hamas war; a “highly premeditated” attack in North Carolina; the government officially shutting down; and other top news for Wednesday, October 1. Stay informed while remaining focused on Christ with The Pour Over. Do you own a small business and want to be featured in our 2025 Christmas Gift Guide? Apply using this form! Government Shutdown Bonus Episode: ⁠Apple⁠ ⁠ Spotify YouTube Join over 1.6 million readers with our free newsletter here Looking to support us? You can choose to pay here Check out our sponsors! We actually use and enjoy every single one. Cru Surfshark Holy Post CCCU Upside HelloFresh Mosh LMNT Theology in the Raw Safe House Project A Place For You Practicing Life Together Not Just Sunday Podcast Quince Courage for Life Study Bible She Reads Truth

If you're a law firm owner who feels like you're working harder but keeping less, this conversation is going to hit home. Bridgit Norris sits down with Frank Rekas, a CPFA with 34 years in financial services who serves as a “Personal CFO” to attorneys and has earned the nickname “The Tax Whisperer.” Frank's not just another advisor—he's built a systematic approach to help lawyers minimize taxes, protect assets, and grow wealth with purpose.From uncovering hidden leaks in your finances to strategies for building generational wealth, Frank reveals why winging it with your money is costing you more than you realize.Stick around, because this episode gives you the clarity and confidence to finally make your money work as hard as you do.Key Takeaways from Bridgit and Frank:1. Stop Winging It With Your FinancesMany attorneys bring in strong revenue but fail to track or plan their money, leaving them vulnerable to overspending, missed deductions, and tax surprises.Building even small proactive systems gives you control instead of chaos.2. Proactive Tax Planning Beats Reactive ReturnsMost CPAs look backwards, filing returns instead of helping clients plan ahead.Frank stresses the value of collaborating with proactive tax professionals who align entity structure, retirement contributions, and deductions to keep more money in your pocket.3. The Right Retirement Plan Unlocks Big SavingsA simple 401(k) often isn't enough for high-earning attorneys.Leveraging cash balance or defined benefit plans can allow six-figure contributions, creating massive tax savings while building long-term wealth.4. Protect and Pass on Generational WealthThrough approaches like the Rockefeller method, life insurance can be more than protection—it can become a tool for passing down wealth across generations and putting your heirs in a stronger financial position than you started with.5. The First Step Is Deciding to ActWhether you're new or twenty years into practice, it's never too late to put the right plans in place.Progress starts with one intentional step—like a 30-minute call with an advisor—to begin turning scattered finances into a strategy. "Every decision has a consequence—even not doing something is a decision." — Frank RekasGet in touch with Frank:Website: https://palmwealthpartners.com/Email: frank@palmwealthpartners.comLinkedIn: https://www.linkedin.com/in/frankrekas/Book time to meet with Frank

What would you do if your company sold, your stock was cashed out, and you suddenly found yourself with $5 million in hand? In this episode, Nic and I dive into the reality of experiencing a once-in-a-lifetime windfall and all the opportunities — and challenges — that come with it.   We explore the first critical steps you need to take before making big financial decisions, from understanding the tax implications to planning for long-term income and security. Whether you're dreaming of retiring tomorrow or just trying to figure out what Uncle Sam's cut will be, this conversation will give you a grounded perspective on how to approach sudden wealth wisely.   Timeline Summary [0:45] – Setting the stage: your company sells, your stock cashes out, and a $5M windfall arrives [3:22] – Why this might be the biggest financial event of your life [6:18] – The first place to start: navigating taxes before spending [9:40] – Real-world examples: from tech startups to natural food brands [12:55] – Breaking down what a $5M payout can actually mean for your future income [16:10] – Retirement readiness: could you really stop working today? [20:45] – Building a strategy to make wealth last a lifetime   Links & Resources Learn more at [https://YourRetirementCoach.com](https://yourretirementcoach.com/) Connect with Nic on LinkedIn: https://www.linkedin.com/in/nicyeomans/ Schedule a consultation: https://www.yourretirementcoach.com/free-consultation   If you enjoyed this episode, please rate, follow, and leave a review. It really helps spread the word so more listeners can find Coffee with Your Retirement Coach!  

Chris Swecker, attorney who served as assistant director of the FBI for the Criminal Investigative Division from 2004 to 2006Topic: Latest in the Charlie Kirk investigation, ICE facility shooting Dr. Rebecca Grant, national security analyst based in Washington, D.C. Specializing in defense and aerospace research, founder of IRIS Independent Research, and Senior Fellow at the Lexington InstituteTopic: Trump at the UN General Assembly, "Uncle Sam to the rescue. Trump helps out the UK with a $350 billion tech deal" (Fox News op ed) Congressman Mike Lawler, Republican representing New York's 17th Congressional DistrictTopic: "Hypocrite Democrats are driving us off the government shutdown cliff" (New York Post op ed) Chris Grollnek, Retired Police Detective Corporal and Active Shooting ExpertTopic: ICE facility shooting Matt Jozwiak, CEO of Rethink FoodTopic: Serving food to those in need Art Del Cueto, Border Security Advisor for the Federation for American Immigration Reform (FAIR) and a 21-year veteran of the Border PatrolTopic: ICE facility shooting Braken Fiore, CEO of Blue Wealth PDTopic: Stock futuresSee omnystudio.com/listener for privacy information.

On this date in 1904, John F. Briggs of Wahpeton was known around the country as “Uncle Sam.” He was a popular enactor in Grand Army of the Republic parades and 4th of July celebrations. A veteran of the Civil War, he attended every national G.A.R. convention but two.

Just when you thought 2025 couldn't get any weirder, this happened: You can now Venmo the government to help pay down the national debt. Today, we're breaking down this absolute circus, who'sreally benefiting from this scheme, and why a donation to Uncle Sam might be the worst financial decision you could make this year.   Next Steps: •

The $6,000 “Boomer Bonus” – fabulous tax break or political glitter bomb?Starting in 2025, Uncle Sam is dangling a shiny new $6,000 tax deduction for folks 65+, or $12,000 if you're married. Sounds fabulous, right? Well… not so fast. In this episode, we unpack who actually benefits, how the phase-outs work, and why some in our community could see a nice boost—while others get stuck sipping house wine at The Abbey.

Uncle Sam is taking a bite out of companies left and right. Today, we're going to focus on MP Materials — the Trump administration's answer to China's restrictions on rare earth material exports to America. To discuss, ChinaTalk interviewed Daleep Singh, former Deputy National Security Advisor for International Economics, now with PGIN; Arnab Datta, currently at Employ America and IFP; and Peter Harrell, former Biden official and host of the excellent new Security Economics podcast. Today, our conversation covers: Why critical mineral markets are broken, How China achieved rare earth dominance, The history of rare earth mining and refinement in the US, What the MP Materials deal does, and whether it can succeed, The key ingredients for successful industrial policy, with case studies including a Strategic Resilience Reserve, a US sovereign wealth fund, and support for Intel. Outro music: Ornaments Of Gold - Siouxsie And The Banshees (YouTube Link) Learn more about your ad choices. Visit megaphone.fm/adchoices

Uncle Sam is taking a bite out of companies left and right. Today, we're going to focus on MP Materials — the Trump administration's answer to China's restrictions on rare earth material exports to America. To discuss, ChinaTalk interviewed Daleep Singh, former Deputy National Security Advisor for International Economics, now with PGIN; Arnab Datta, currently at Employ America and IFP; and Peter Harrell, former Biden official and host of the excellent new Security Economics podcast. Today, our conversation covers: Why critical mineral markets are broken, How China achieved rare earth dominance, The history of rare earth mining and refinement in the US, What the MP Materials deal does, and whether it can succeed, The key ingredients for successful industrial policy, with case studies including a Strategic Resilience Reserve, a US sovereign wealth fund, and support for Intel. Outro music: Ornaments Of Gold - Siouxsie And The Banshees (YouTube Link) Learn more about your ad choices. Visit megaphone.fm/adchoices

In this throwback solo episode, Chris takes you deep into the world of Section 8 rentals — a strategy most investors overlook because they don't understand it. He used to avoid Section 8 properties himself… until he saw how much cash flow and stability they could offer.If you want guaranteed rent backed by the government, higher-than-market rates in some areas, and long-term tenants who don't want to leave, this episode is for you.You'll learn:Why Section 8 rentals scared Chris at first—and how he changed his mindThe #1 way to prevent bad tenants (it's not credit score)How to vet Section 8 tenants to avoid massive headachesHow the government paid back Chris $10K after a rent bookkeeping errorThe huge rent raise he just got approved (and how you can do it too)Why five-bedroom Section 8 units in D.C. are cash flow monstersHow to calculate voucher rates for your areaSmart tax strategies and write-offs that come with owning rentalsChris's “poor man's property management” system using home warrantiesWhy one investor gives his tenants cruises after five years — and how that pays offHit Chris up:Instagram: @craddrockFacebook: Chris Craddock BusinessRESOURCES: 

Ashe in America, Abbey Blue Eyes, Christy Lupo, and Jackie Espada bring another lively episode of Alphas Make Sandwiches. The ladies kick things off with playful banter about building a Badlands compound before diving into skincare tips, including lotion, deodorant, and the tallow bar, with fun hacks like using it to tame flyaway hair. They showcase their latest photo challenge and introduce next week's “fun with food” theme, all while laughing about behind-the-scenes antics. The conversation shifts to All Good's No Tox Smoothing Serum, complete with personal testimonies, before moving into the idiom of the week, “turn a blind eye,” and its naval origins with Admiral Horatio Nelson. History lessons cover Eisenhower's education act, the first U.S. flag flown in battle, NASA's Viking 2 Mars landing, Truman's first coast-to-coast TV broadcast, and early submarine warfare with the Turtle. They also discuss the origins of Uncle Sam, McKinley's assassination, and Codex 9/11, setting the stage for upcoming watch parties. Rounding things out are critiques of Jane Fonda's Vietnam-era betrayal, Gerald Ford's pardon of Nixon, and more sponsor shoutouts, blending humor, history, and heart.

The internet's still broken, folks, and apparently, AI's here to make it more awkward. Intel caught a break from Uncle Sam's CHIPS Act, cool for them, not so much for those 'flashing warning signs' in the job market. Meta's been letting celebrity chatbots run wild (and creepy), Midjourney's getting sued by Warner Bros. for stealing IP (who'da thought?), and OpenAI thinks an AI hiring platform is a good idea. Plus, an AI chatbot automated a cybercrime spree, totally unexpected. If you're calling ChatGPT a 'clanker,' you're not wrong, but seriously? Your butt probably needs a break from the toilet.Elon Musk and his joyride of companies continue to make us wonder if we're living in a dystopian satire. Tesla got slapped with a $243 million verdict after rejecting a $60 million settlement (because that's how you make deals, right?). 'Key data' they said they didn't have? A hacker found it. His vague 'master plan' sounds like a last-minute college essay, and software deploys airbags before you crash. His quest for a trillion-dollar pay package is on, and Neuralink can't even trademark 'telepathy.' They're doing brain surgeries in Toronto now. What could go wrong?On the lighter side, Finland built a giant sand battery, which is cool, and iOS 26 finally gave iPads a native Instagram app after, like, forever. We've got movie reviews, TV binges (Wednesday is really good), and a deep dive into KPop Demon Hunters (seriously, listen to the songs). FIFA's jacking up World Cup ticket prices with dynamic pricing (of course they are), and Morrissey's selling his stake in The Smiths (probably to escape his own 'malicious associations'). If you're still reading Usenet threads from '94, you're either a sadist or Dave.Sponsors:CleanMyMac - clnmy.com/Grumpyoldgeeks - Use code OLDGEEKS for 20% off.Private Internet Access - Go to GOG.Show/vpn and sign up today. For a limited time only, you can get OUR favorite VPN for as little as $2.03 a month.SetApp - With a single monthly subscription you get 240+ apps for your Mac. Go to SetApp and get started today!!!1Password - Get a great deal on the only password manager recommended by Grumpy Old Geeks! gog.show/1passwordShow notes at https://gog.show/712FOLLOW UPThe US government drops its CHIPS Act requirements for IntelAmerica's job market flashes yet another warning sign about the economyHydrogen-Powered Plasma Torch Decimates Plastic Waste in a BlinkYour Butthole Is Begging You to Stop Scrolling on the ToiletIN THE NEWSTesla rejected $60 million settlement before losing $243 million Autopilot verdictTesla said it didn't have key data in a fatal crash. Then a hacker found it.Tesla has a new master plan—it just doesn't have any specificsTesla Software Update Will Deploy Airbags Before Crash Actually HappensTrump to host tech CEOs for first event in newly renovated Rose GardenTesla proposes Elon Musk pay package that could make him the world's first trillionaireTesla shareholders to vote on investing in Musk's AI startup xAIMeta reportedly allowed unauthorized celebrity AI chatbots on its servicesWarner Bros. Discovery is suing Midjourney for copyright infringementOpenAI announces AI-powered hiring platform to take on LinkedInOpenAI is reportedly producing its own AI chips starting next yearA hacker used AI to automate an 'unprecedented' cybercrime spree, Anthropic saysThe world's largest sand battery just went live in FinlandWhy the Internet Can't Stop Calling ChatGPT a “Clanker”MEDIA CANDYThe Thursday Murder ClubWeaponsAlien: EarthWednesdayStar Trek: Strange New Worlds - Four and a Half VulcansUploadKPop Demon Hunters - revisited2026 World Cup tickets: FIFA confirms use of dynamic pricingExhausted by "malicious associations," Morrissey sells stake in The SmithsAPPS & DOODADSMarshall's Mid-Century-Looking Soundbar Would Make Don Draper Cry Tears of JoyWho Owns ‘Telepathy'?Instagram finally has an iPad app 15 years after it first launchedRoblox will require age verification for all users to access communication featuressuperwhisperiOS 26 adds seven brand new iPhone ringtones, listen hereTHE DARK SIDE WITH DAVEDave BittnerThe CyberWireHacking HumansCaveatControl LoopOnly Malware in the BuildingHot sauce and hot takes: An Only Malware in the Building special.My comments on a Usenet thread from 1994Darth Vader's Lightsaber Auction Sale Sets Record for ‘Star Wars' ItemHome Depot R2D2Disney Disney Star Wars Animated Darth VaderFlorida plans to end all state vaccine mandates, including for schoolsVibeVoice: A Frontier Long Conversational Text-to-Speech ModelRumor: There's A New ‘The Muppet Show' PilotSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

What if you could get $44,000 in extra tax deductions in year one instead of spreading them over 27 years—and it only cost you $500 to make it happen? In this episode, Angel Williams sits down with a cost segregation expert from KBKG to explore how new technology is democratizing tax benefits that were previously only available to million-dollar property owners. He explains how cost segregation works by identifying building components that wear out faster than the standard 27-39 year depreciation schedule, and reveals how their revolutionary $500 software makes these studies accessible to properties as small as $150,000. This conversation breaks down the time value of money concept, explores the 10-year window for implementing cost segregation, and discusses exciting expansions into commercial properties that will help even more small-town investors maximize their tax benefits.   [00:01 - 06:00] Cost Segregation Fundamentals and Process How cost segregation speeds up depreciation by identifying shorter-lived building components The difference between 27-39 year straight-line depreciation and accelerated write-offs Real example: turning $10,000 annual deductions into $54,000 first-year deductions Why the IRS requires qualified engineers and the detailed documentation process [06:01 - 12:00] Breaking the Million-Dollar Barrier How KBKG's software democratizes cost segregation for properties under $1 million The revolutionary $500 online tool that works for residential properties with 6 units or less Why properties as small as $150,000 can now benefit from cost segregation The 15-minute online process that generates IRS-audit-tested reports [12:01 - 17:30] Timing and Property Considerations The 10-year window for implementing cost segregation on existing properties Why refinancing doesn't reset your depreciation basis How the software works for individual properties but requires separate studies for each Special considerations for friends with mixed residential and commercial portfolios [17:31 - 21:30] Future Expansion and Market Impact Plans to expand software capabilities to commercial retail properties within 6-12 months How small-town investors buying up main street properties will benefit The paradigm shift from helping only large investors to serving everyone   Connect with Gian: https://www.linkedin.com/in/costsegregationservices/   Key Quotes:   "I want to save taxes now, not later... don't pay Uncle Sam early. Why pay him earlier than you have to?" - Gian Piazza   "Not paying out cash today is the same thing as being able to hold those dollars... not giving out money is the same as putting it in your pocket." - Angel Williams   Visit sponsorcloud.io/contact today and unlock $2,000 of free services exclusively for REI Rocks community members! Get automated syndication and investor relationship management tools to save time and money. Mention your part of the REI Rocks community for exclusive offers. Help make affordable, low-cost education summits possible. Check out Sponsor Cloud today!

In this episode, we’ll revisit the main lesson of a Suze School explaining why a Roth retirement account ultimately gives you more money than a pre-tax retirement account. Watch Suze’s YouTube Channel Jumpstart financial wellness for your employees: https://bit.ly/SecureSave Try your hand at Can I Afford It on Suze’s YouTube Channel Protect your financial future with the Must Have Docs: https://bit.ly/3Vq1V3GGet your savings going with Alliant Credit Union: https://bit.ly/3rg0YioGet Suze’s special offers for podcast listeners at suzeorman.com/offerJoin Suze’s Women & Money Community for FREE and ASK SUZE your questions which may just end up on the podcast. Download the app by following one of these links: CLICK HERE FOR APPLE: https://apple.co/2KcAHbH CLICK HERE FOR GOOGLE PLAY: https://bit.ly/3curfMISee omnystudio.com/listener for privacy information.

The boys are heading off on holiday, but with very different agendas. Sam is in full “Uncle Sam” mode, third wheeling his sister's trip with baby Leo, while Pete insists he's off to Ibiza for work. As part of his Ibiza prep, Pete tries his hand at a practice vibe check call as we put him on the spot to call up Sheesh…Meanwhile, all that nephew time has Sam feeling surprisingly broody, while Pete's focused on the O2. With the NTAs around the corner, the boys look back on last year's red-carpet drama and spill a little behind-the-scenes gossip.

Peter E. Harrell, Adjunct Senior Fellow at the Center for a New American Security, joins Kevin Frazier, AI Innovation and Law Fellow at the University of Texas School of Law and a Senior Editor at Lawfare, to examine the White House's announcement that it will take a 10% share of Intel. They dive into the policy rationale for the stake as well as its legality. Peter and Kevin also explore whether this is just the start of such deals given that President Trump recently declared that “there will be more transactions, if not in this industry then other industries.”Find Scaling Laws on the Lawfare website, and subscribe to never miss an episode.To receive ad-free podcasts, become a Lawfare Material Supporter at www.patreon.com/lawfare. You can also support Lawfare by making a one-time donation at https://givebutter.com/lawfare-institute.Support this show http://supporter.acast.com/lawfare. Hosted on Acast. See acast.com/privacy for more information.

Burning Man is the biggest event for billionaires in the world… so why is it losing millions?The US Gov't is getting 10% of Intel in exchange for taxpayer $$… Uncle Sam CEO?Pleasure reading is down 40% in 20 years #ReadingRecession… But Warren Buffett reads 182 books/year.Plus, the new restaurant trend… is a pregnancy-inducing hamburger.**And we're going on vacation and Nick's having a baby (IBO)! So we have special Bonus Episodes coming everyday to the feed while we're out-of-studio.**$TSLA $GOOG $INTCWant more business storytelling from us? Check out the latest episode of our new weekly deepdive show: The untold origin story of… Subscribe to The Best Idea Yet: https://wondery.com/links/the-best-idea-yet/ to listen.NEWSLETTER:https://tboypod.com/newsletter OUR 2ND SHOW:Want more business storytelling from us? Check our weekly deepdive show, The Best Idea Yet: The untold origin story of the products you're obsessed with. Listen for free to The Best Idea Yet: https://wondery.com/links/the-best-idea-yet/NEW LISTENERSFill out our 2 minute survey: https://qualtricsxm88y5r986q.qualtrics.com/jfe/form/SV_dp1FDYiJgt6lHy6GET ON THE POD: Submit a shoutout or fact: https://tboypod.com/shoutouts SOCIALS:Instagram: https://www.instagram.com/tboypod TikTok: https://www.tiktok.com/@tboypodYouTube: https://www.youtube.com/@tboypod Linkedin (Nick): https://www.linkedin.com/in/nicolas-martell/Linkedin (Jack): https://www.linkedin.com/in/jack-crivici-kramer/Anything else: https://tboypod.com/ About Us: The daily pop-biz news show making today's top stories your business. Formerly known as Robinhood Snacks, The Best One Yet is hosted by Jack Crivici-Kramer & Nick Martell.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

The government has indeed taken a stake in Intel. Apple might turn to Google to save Siri. Meta turns to Midjourney. Perplexity wants to cut publishers in on the action. And how DHL is using AI to shore up a workforce that is aging out. Links: Trump, Intel Agree to 10% U.S. Stake as President Promises More Deals (NYTimes) Apple Explores Using Google Gemini AI to Power Revamped Siri (Bloomberg) Meta partners with Midjourney on AI image and video models (TechCrunch) Perplexity to Let Publishers Share in Revenue from AI Searches (Bloomberg) Netflix Sets Opening Dates for Permanent Entertainment and Shopping Venues in Philadelphia, Dallas (Variety) Inside DHL's AI upgrade: ‘Love it or hate it, you have to work with it' (FT) 8 Women, 4 Bedrooms and 1 Cause: Breaking A.I.'s Glass Ceiling (NYTimes) Learn more about your ad choices. Visit megaphone.fm/adchoices

The White House considers taking a 10% stake in the chip maker, after Donald Trump meets with Intel CEO Lip-Bu Tan, shortly after he demanded Tan's immediate resignation. Is this another example of MAGA corporate statism, along with Trump's "golden share" on the Nippon-U.S. Steel deal, his "export tax" on AI chips, and his talk of a sovereign-wealth fund? Learn more about your ad choices. Visit megaphone.fm/adchoices

Masa Son is investing $2B into Intel, and the Uncle Sam might join in as well. Small AI models continue to have a moment. Chamath is reentering the arena with a new SPAC. The Texas AG is investigating AI chatbots. And does GPT-5 prove that we've hit an AI ceiling, even if only temporarily? Links: ⁠Intel is getting a $2 billion investment from SoftBank⁠ (CNBC) ⁠Nvidia releases a new small, open model Nemotron-Nano-9B-v2 with toggle on/off reasoning⁠ (VentureBeat) ⁠‘SPAC King' Chamath Palihapitiya is back with a new one⁠ (Pitchbook) ⁠Texas attorney general accuses Meta, Character.AI of misleading kids with mental health claims⁠ (TechCrunch) ⁠Is AI hitting a wall?⁠ (FT) Learn more about your ad choices. Visit megaphone.fm/adchoices

Black Lou goes to a NASCAR race for the first time and dresses up like Uncle Sam so the locals think he is friendly and belongs there. | Bob tries to dance to 90's R&B but his hand snapping looks a lot like old-timey Doo Wop dancing. | A new form of Ozempic is on the market that produces better results and is easier to take. Jay thinks that Bobby picked the wrong time in his life to get the lap band surgery because of these new advances in medical science. | Jay watches the Netflix documentary "Amy Bradley Is Missing" which is the investigation of the 1998 disappearance of a 23-year-old woman from a Caribbean cruise and her family's tireless search for answers. Jay has many problems with the search that he feels is anything but "tireless." *To hear the full show to go www.siriusxm.com/bonfire to learn more! FOLLOW THE CREW ON SOCIAL MEDIA: @thebonfiresxm @louisjohnson @christinemevans @bigjayoakerson @robertkellylive @louwitzkee @jjbwolf Subscribe to SiriusXM Podcasts+ to listen to new episodes of The Bonfire ad-free and a whole week early.  Start a free trial now on Apple Podcasts or by visiting siriusxm.com/podcastsplus.

Mark and Gary unpack ICE's bizarre new recruitment ads hitting Los Angeles, examine a Virginia law raising questions about reproductive product privacy, and dig into a Malibu wrongful death case that's drawn attorney Alan Jackson back to the spotlight.Watch Beyond A Reasonable Doubt and all Reasonable Doubt video content on YouTube exclusively at YouTube.com/ReasonableDoubtPodcast and subscribe while you're thereSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Today, we're talking about a shooting at a U.S. Army base; Uncle Sam's economic plans for pressuring Russia into a ceasefire with Ukraine; President Trump's “reciprocal” tariffs officially taking effect; and other top news for Friday, August 8th. Stay informed while remaining focused on Christ with The Pour Over. Chick-fil-A gift card giveaway sign up for our newsletter ⁠here⁠ Looking to support us? You can choose to pay here Check out our sponsors! We actually use and enjoy every single one. Cru Surfshark Holy Post CSB's Back to School Gift Guide CCCU Upside HelloFresh Mosh

The quintessential American economic myth is that the free market picks winners and losers. But the federal government has long had a role in this equation, from the current administration all the way back to the Great Depression. Today on the show, we uncover the history of the country's national investment bank, which shaped the relationship between the government and the market in ways that are still felt today.Check out Chris Hughes SubstackRelated episodes:The day Russia adopted the free market (Apple / Spotify)Giant vacuums and other government climate bets (Apple / Spotify)For sponsor-free episodes of The Indicator from Planet Money, subscribe to Planet Money+ via Apple Podcasts or at plus.npr.org.Fact-checking by Julia Ritchey. Music by Drop Electric. Find us: TikTok, Instagram, Facebook, Newsletter. Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

Send us a textPeaches returns with another banger, torching bureaucratic blunders and Joint Force nonsense. From the Pentagon flexing like it just invented drone grenades, to the DoD accidentally letting Chinese engineers tinker with our cloud—this one's a spicy ride. He dives into the F-35 budget cut drama, Space Force cosplay, uniform updates that no one asked for, and yes, another near-miss in the skies. Also: Nashville OTS still has slots, and you might even get Uncle Sam to foot the bill (if your chain isn't lame). Buckle up—your commute just got smarter and more sarcastic.