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When Donald Trump returned to the White House last year, he vowed to kill off ‘woke' in America. From the Kennedy Center to the Smithsonian museums and the Stonewall national monument, the Trump administration has imposed its values on American culture and history. Jonathan Freedland and the Guardian's Washington bureau chief, David Smith, discuss the consequences for millions of Americans of Trump reimagining history and culture in his image

Hundreds of jobs have gone at the newspaper that broke the Watergate scandal. Was profit or politics behind the decision? Jeremy Barr reports. Help support our independent journalism at theguardian.com/infocus

From Olympic sprinter to trusted advisor helping entrepreneurs save millions in taxes, David Flores Wilson shares proven strategies for QSBS planning, equity compensation design, and preparing business owners for successful exits both financially and personally. In this episode of the DealQuest Podcast, host Corey Kupfer sits down with David Flores Wilson, CFA, CFP, Managing Partner at Sinceres, who advises entrepreneurs and business owners in New York City on personal financial planning from formation to exit and beyond. David is a multiple Investopedia Top 100 Financial Advisor whose guidance has appeared in CNBC, Yahoo Finance, the New York Times, US News and World Report, and Investment News. WHAT YOU'LL LEARN: In this episode, you'll discover how QSBS planning can potentially exclude $10 million to $70 million or more in capital gains from taxes when structured correctly, why LLC to C Corp conversion timing creates dramatic differences in tax outcomes, and how QSBS stacking through non-grantor trusts multiplies exclusions. David shares why equity compensation plans often fail to motivate the specific people they target and what questions to ask before choosing a vehicle. You'll also learn about the personal readiness component of exit planning that determines whether entrepreneurs thrive or struggle after selling their businesses. DAVID'S JOURNEY: David's path to financial planning started with entrepreneurial instincts in an unexpected place. Growing up in Guam, he ran a comic book arbitrage business as a kid, discovering price differences between local stores and mainland mail-order catalogs. His father was a CPA with a home office, and despite wanting nothing to do with accounting, David absorbed financial concepts through osmosis that would later prove invaluable. After college at UC Berkeley, David joined Lehman Brothers and worked through the financial crisis. During that time, colleagues started coming to him with financial planning questions, and he realized helping people with their money was his true passion. He sat on that realization for years before eventually transitioning to financial planning. When Covid hit in 2020, David and his partner Dan Ryan launched Sinceres, and the firm has been growing since. OLYMPICS LESSON: David represented Guam in track and field at the 1996 Atlanta Olympics, competing in the 200 and 400 meters. The experience taught him something crucial about career selection. Unlike running, where pushing harder brings diminishing returns and constant injury risk, financial planning offers the opportunity to improve incrementally every single day. That compounding knowledge approach now drives how he serves clients. KEY INSIGHTS: QSBS planning stands out as potentially the most powerful tax planning tool for qualifying entrepreneurs. C Corps meeting holding period and active business requirements can exclude $10 million in gains, or 10 times basis for older shares, with new legislation increasing that to $15 million. The planning becomes even more powerful with LLC conversions where market value at conversion becomes the QSBS basis. The biggest mistake with equity compensation involves choosing vehicles based on what owners like rather than what motivates specific employees. "Equity" can mean participation in profits, upside potential, a seat at the table, or financial disclosure. Different people value these differently, and the best planning starts with understanding objectives before selecting tools. Exit planning involves three components that David implements from the first meeting with business owners. Getting personally ready addresses what provides purpose after selling. Getting financially ready ensures the numbers work. Getting business ready covers everything from customer concentration to management team development. The recent One Big Beautiful Bill Act has changed QSBS holding periods, SALT deductions, and AMT rules. Business owners should review their planning with advisors rather than assuming previous strategies still apply. Perfect for entrepreneurs considering entity structure decisions, business owners thinking about exit planning, and anyone interested in tax-efficient wealth building strategies. FOR MORE ON THIS EPISODE: https://www.coreykupfer.com/blog/davidfloreswilson FOR MORE ON DAVID FLORES WILSON: https://www.planningtowealth.com https://www.linkedin.com/in/davidfloreswilson/ FOR MORE ON COREY KUPFER https://www.linkedin.com/in/coreykupfer/ https://www.coreykupfer.com/ Corey Kupfer is an expert strategist, negotiator, and dealmaker. He has more than 35 years of professional deal-making and negotiating experience. Corey is a successful entrepreneur, attorney, consultant, author, and professional speaker. He is deeply passionate about deal-driven growth. He is also the creator and host of the DealQuest Podcast. Get deal-ready with the DealQuest Podcast with Corey Kupfer, where like-minded entrepreneurs and business leaders converge, share insights and challenges, and success stories. Equip yourself with the tools, resources, and support necessary to navigate the complex yet rewarding world of dealmaking. Dive into the world of deal-driven growth today! Episode Highlights with Timestamps: [00:00] - Introduction: David Flores Wilson's credentials and areas of expertise [02:55] - Growing up in Guam with a comic book arbitrage business and CPA father [07:58] - Representing Guam at the 1996 Atlanta Olympics and career lessons from athletics [09:28] - QSBS fundamentals: Exclusions, holding periods, and qualifying business requirements [10:45] - LLC to C Corp conversions and the basis multiplication strategy [11:40] - QSBS stacking through non-grantor trusts and family gifting [19:40] - Equity compensation design: Why attraction, retention, and incentive vehicles often miss the mark[28:37] - Journey from Lehman Brothers through the financial crisis to launching Sinceres [31:59] - Exit planning framework: Personal, financial, and business readiness [41:27] - Recent tax law changes from the One Big Beautiful Bill Act [44:09] - What freedom means: Making impact through continuous improvement Guest Bio David Flores Wilson, CFA, CFP, is Managing Partner at Sinceres, advising entrepreneurs and business owners in New York City on personal financial planning from formation to exit and beyond. His areas of expertise include qualified small business stock planning, business exit planning, and equity compensation planning. David is a multiple Investopedia Top 100 Financial Advisor whose guidance has appeared in CNBC, Yahoo Finance, the New York Times, US News and World Report, and Investment News. He represented Guam in the 1996 Atlanta Olympic Games and sits on the Board of Directors as treasurer of the Lower East Side Girls Club. David is active in Entrepreneurs Organization, the Estate Planning Council of New York City, Advisors in Philanthropy, and the Exit Planning Institute. Host Bio Corey Kupfer is an expert strategist, negotiator, and dealmaker with more than 35 years of professional deal-making and negotiating experience. Corey is a successful entrepreneur, attorney, consultant, author, and professional speaker deeply passionate about deal-driven growth. He is the creator and host of the DealQuest Podcast. Show Description Do you want your business to grow faster? The DealQuest Podcast with Corey Kupfer reveals how successful entrepreneurs and business leaders use strategic deals to accelerate growth. From large mergers and acquisitions to capital raising, joint ventures, strategic alliances, real estate deals, and more, this show discusses the full spectrum of deal-driven growth strategies. Get the confidence to pursue deals that will help your company scale faster. Related Episodes Episode 325 - Kelly Finnell: Using ESOPs in Ownership Succession Planning Episode 350 - Tom Dillon: Understanding Business Valuation and Exit Planning Realities Episode 328 - Richard Manders: Post-Exit Transitions and What Comes After Selling Your Business Episode 339 - Solocast 74: Equitizing Key Employees and Succession Planning Strategies Follow DealQuest Podcast: LinkedIn: https://www.linkedin.com/in/coreykupfer/ Website: https://www.coreykupfer.com/ Follow David Flores Wilson: Website: https://www.planningtowealth.com Keywords/Tags QSBS planning, qualified small business stock, business exit planning, equity compensation, entrepreneur tax strategy, LLC vs C Corp, financial planning for business owners, exit planning institute, tax-efficient wealth building, business succession planning, capital gains exclusion, non-grantor trusts, C corporation conversion, equity incentive plans, entrepreneur financial advisor

Send a textIs being inactive more dangerous than we think? In this clip from our episode “Why Exercise Beats Longevity Hacks”, CareTalk host John Driscoll speaks with Dr. Jordan Metzl, Author of The Athlete's Book of Home Remedies, about why movement may be the most powerful preventive medicine we have, even in the era of GLP-1s.Listen to the full episode here

Hundreds of jobs have gone at the newspaper that broke the Watergate scandal. Was profit or politics behind the decision? Jeremy Barr reports

The release of the latest batch of documents relating to the late child sex offender Jeffrey Epstein has shed further light on his close relationship with the world of science. To find out why he cultivated scientists and where his interests lay, Ian Sample hears from Dan Vergano, a senior editor at Scientific American.. Help support our independent journalism at theguardian.com/sciencepod

Te sientes saludable, pero tus hábitos cuentan otra historia.El colesterol alto puede estar afectando a millones de personas sin provocar síntomas visibles.Importantes beneficios para negocios pequeños, aquí le contamos.Primer trasplante facial con donacion por eutanasia.Trump pide "nacionalizar" elecciones de medio término.Víctima del caso Epstein rompe el silencio.Ponte al día con lo mejor de ‘La Edición Digital del Noticiero Univision' con Carolina Sarassa y Borja Voces.  

Inmigración: tus derechos para localizar a un familiar detenido.Prohíben arrestos migratorios sin orden judicial en Oregon.Descartan operativos migratorios en el Super Bowl.Miguel Díaz comparece en la televisión nacional cubana.Melinda Gates habla tras revelaciones del caso Epstein.Medicamentos para bajar de peso y posible riesgo en la vesícula.Universidad entrena perros para detectar cáncer canino.Ponte al día con lo mejor de ‘La Edición Digital del Noticiero Univision' con Carolina Sarassa y Borja Voces.   

The journalist Jen Ortiz charts the rise of Bad Bunny – the Puerto Rican superstar musician and ICE critic – before his performance at the Super Bowl on Sunday. Help support our independent journalism at theguardian.com/infocus

The latest tranche of Epstein files has sent shock waves around the world, but many of the powerful men who minimised and dismissed his crimes are still yet to face any real consequences. The documents show the likes of Noam Chomsky and Steve Bannon were happy to maintain relationships with Epstein even after he spent time in jail for child sex offences. What message does that send to the abused women and girls, whose experiences should be the real focus? And will these men ever be held to account? Lucy Hough speaks to the Guardian columnist Marina Hyde – watch on YouTube. Help support our independent journalism at theguardian.com/infocus

The president has vowed to kill off ‘woke' in his second term in office, and the venerable cultural institution a few blocks from the White House is in his sights By Charlotte Higgins. Read by Evelyn Miller. Help support our independent journalism at theguardian.com/longreadpod

This week we replay an episode from nearly 2 years ago about an editorial commentary from multiple congenital heart surgical leaders in the US. The topic of their expert opinion piece is the concept of public reporting of results and their 'amplification' through organizations such as US News and World Report, to name one. How has the use of the database from STS been sometimes misinterpreted through public reporting or ranking systems? What was the initial intent of the STS database and how does the present usage of these data differ from the initial intent? Do STS risk adjustment models capture all aspects of risk for patients undergoing surgery and how do deficiencies in this result in unfair 'rankings' of programs? Can we 'take control' of our data and interpret it more clearly and accurately for the public and reduce misusage or misinterpretation of the data? How can public reporting result in improved outcomes? How can 'gaming' of the system be reduced? Dr. Emile Bacha, Professor of Surgery at Columbia University shares his deep insights into a complex and challenging topic.DOI: 10.1016/j.jtcvs.2023.03.022

After months of negotiations, threats and refusals, Bill and Hillary Clinton have finally agreed to testify in front of Congress as part of a Republican-led investigation into the convicted child sex offender Jeffrey Epstein. Jonathan Freedland speaks to the Politico Magazine columnist and former federal prosecutor Ankush Khardori about why Donald Trump thinks it is a ‘shame' the Clintons have been forced to testify

Send us a textThe longevity boom is full of supplements, hacks, and expensive routines, but most of it ignores the simplest lever we already know works. If movement is the most studied “drug” for healthy aging, why are so many people still stuck on the sidelines?Dr. Jordan Metzl, Author of The Athlete's Book of Home Remedies joins CareTalk host John Driscoll, Chairman of UConn Health, to discuss why exercise is the most powerful prescription for healthspan, how motivation can be built through practical behavior change, and how strength and community can help prevent chronic disease over the long run.

The latest release of the Epstein files has dominated the news this week, with documents related to Bill Gates, Peter Mandelson, Elon Musk and Woody Allen pulling them into the spotlight. But, as the US deputy attorney general Todd Blanche suggested the legal review into the Epstein files was ‘over', the survivors of Epstein's abuse made clear it was not the end. Annie Kelly speaks to Lisa Philips, who suffered years of abuse by Epstein in the 2000s and is now one of the many survivors calling for more transparency from the Trump administration. Plus Guardian US columnist Moira Donegan on whether the missing files will ever be released. Help support our independent journalism at theguardian.com/infocus

Peter Mandelson faces a criminal investigation over allegations he leaked Downing Street emails and market-sensitive information to the child sex offender Jeffrey Epstein in 2009. The Metropolitan police are investigating Mandelson, who was then business secretary, on suspicion of misconduct in public office, an offence that carries a maximum sentence of life imprisonment. Police are also reviewing fresh allegations about the former prince Andrew Mountbatten-Windsor. Lucy Hough speaks to the head of national news, Archie Bland – watch on YouTube. Help support our independent journalism at theguardian.com/infocus

Prediction markets allow you to put money on everything from the US attacking Iran to Jesus returning. Saahil Desai explains their dizzying rise. Help support our independent journalism at theguardian.com/infocus

My Conversation with Dr Greer begins at about 46 minutes Subscribe and Watch Interviews LIVE : On YOUTUBE.com/StandUpWithPete ON SubstackStandUpWithPete Stand Up is a daily podcast. I book,host,edit, post and promote new episodes with brilliant guests every day. This show is Ad free and fully supported by listeners like you! Please subscribe now for as little as 5$ and gain access to a community of over 750 awesome, curious, kind, funny, brilliant, generous souls Dr Greer recently appeared with Dr Jason Johnson on Culture Jeopary, more importantly she has published a new book that we talk about. It's called How to Build a Democracy (Elements in Race, Ethnicity, and Politics) The Blackest Question is a Black history trivia game show. Join Dr. Christina Greer as she quizzes some of your favorite entertainers, history makers, and celebrities while engaging in conversations to learn more about important contributions in Black history and Black culture. The Blackest Questions entertains and informs audiences about little-known but essential black history. Topics range from world history, news, sports, entertainment, pop culture, and much more. Christina Greer is an Associate Professor of Political Science at Fordham University - Lincoln Center (Manhattan) campus. Her research and teaching focus on American politics, black ethnic politics, urban politics, quantitative methods, Congress, New York City and New York State politics, campaigns and elections, and public opinion. Prof. Greer's book Black Ethnics: Race, Immigration, and the Pursuit of the American Dream (Oxford University Press) investigates the increasingly ethnically diverse black populations in the US from Africa and the Caribbean. She finds that both ethnicity and a shared racial identity matter and also affect the policy choices and preferences for black groups. Professor Greer is currently writing her second manuscript and conducting research on the history of all African Americans who have run for the executive office in the U.S. Her research interests also include mayors and public policy in urban centers. Her previous work has compared criminal activity and political responses in Boston and Baltimore.  Prof. Greer received her BA from Tufts University and her MA, MPhil, and PhD in Political Science from Columbia University On YOUTUBE.com/StandUpWithPete ON SubstackStandUpWithPete Listen rate and review on Apple Podcasts Listen rate and review on Spotify Pete On Instagram Pete on Blue Sky Pete on Threads Pete on Tik Tok Pete on Twitter Pete Personal FB page Stand Up with Pete FB page

Donald Trump claims that the release of millions more files related to Jeffrey Epstein ‘absolve' him of wrongdoing, even though his name appears hundreds of times. The latest documents also indicate high-profile figures, including the former prince Andrew Mountbatten-Windsor and Labour peer Peter Mandelson, continued friendships with the disgraced financier after his child sex abuse convictions. So what have we learned from the newly released files and what happens next? Lucy Hough speaks to columnist and host of Politics Weekly America Jonathan Freedland – watch on YouTube. Help support our independent journalism at theguardian.com/infocus

In this week's MBA Admissions podcast we began by discussing the current state of the MBA admissions season. We are seeing several top MBA programs continuing to release interview invites for Round 2. Harvard released all their Round 2 interview invites last week. Imperial Business School is scheduled to do the same during this upcoming week. We then discussed our new interview prep tool,  Clear Admit's MBA Interview simulator.  This simulator is designed to offer a realistic interview experience for the majority of the top MBA programs, and provide detailed feedback. It is trained on Clear Admit's extensive catalogue of interview resources including our interview archive and interview guides. Graham highlighted MBA webinar events that are on the horizon that Clear Admit is hosting. The first webinar series of events is for deferred admissions candidates who are currently completing their first degrees. These are scheduled for the next two Wednesdays. The second series is for MiM programs and are scheduled for February 24 and 25. Signups for both these series are here: https://www.clearadmit.com/events Graham then highlighted the recent roll out of the 2026 US News rankings for online MBA programs. Indiana /  Kelley continues to lead the way. Graham then noted the announcement from Georgetown / McDonough regarding their shortened MBA program for those who have completed a Masters in Management program. Graham addressed two recently published MBA admissions tips that focus on the interview experience. The first focuses on the five most common MBA admissions interview questions and the second explores some of the more unique b-school interview offerings. Graham then noted a Fridays from the Frontlines piece focused on a student at Duke / Fuqua studying the intersection of climate risk and business. For this week, for the candidate profile review portion of the show, Alex selected two ApplyWire entries and one DecisionWire entry: This week's first MBA admissions candidate has a 3.87 GPA and works at MBB, and they plan to return - as they are sponsored. They have a 327 GRE score and appear to be a very decent candidate. This week's second MBA applicant has a lower GPA of 3.38, but they had to work through university. We think they should target a few more M7 MBA programs. This week's final MBA candidate is deciding between a full-ride at Florida / Warrington and a $70k offer from CMU / Tepper. This episode was recorded in Paris, France and Cornwall, England. It was produced and engineered by the fabulous Dennis Crowley in Philadelphia, USA. Thanks to all of you who've been joining us and please remember to rate and review this show wherever you listen!

Peter Mandelson has resigned his Labour party membership after new details of his relationship with Jeffrey Epstein came to light. But why did Labour ever decide to appoint him as US ambassador? Pippa and Kiran chat through what No 10 knew and when. Help support our independent journalism at theguardian.com/politicspod

Violento robo a una joyería deja heridos y siete detenidos.Conoce las claves para decidir qué guía de vacunación debes seguir.¿Censura en TikTok?Altos costos de Obamacare.ONG reporta más de 6.100 muertos en protestas en Irán.Juicio en California pone en la mira a Meta, TikTok y YouTube.Efectos negativos del frío extremo en nuestra salud.Ponte al día con lo mejor de ‘La Edición Digital del Noticiero Univision' con Carolina Sarassa y Borja Voces.

Agentes de ICE arrestan a un hombre frente a su esposa y su bebé.Un juez frena la deportación de un menor y su padre en Texas.Magistrado advirtió que podrían sancionar por desacato a ICE.Inicia la temporada de impuestos.Brote de sarampión en Carolina del Sur.Emotivo reencuentro de un expreso político con sus hijas en Venezuela.Un bebé cae desde un vehículo en movimiento en California.Un peluche se vuelve viral debido a un error de fábrica.Ponte al día con lo mejor de ‘La Edición Digital del Noticiero Univision' con Carolina Sarassa y Borja Voces.

How does it feel when ICE agents swarm your city? Minneapolis residents on why they are rising up. Help support our independent journalism at theguardian.com/infocus

After weeks of federal insurgency, Minnesota fought back, and it seems Donald Trump has lost faith in the people running his ICE operation in the state. So where does this leave Trump's ‘ICE patriots'? How do Republicans unite over immigration policies that kill Americans? And where does it leave the far-right agitators in Trump's cabinet? Jonathan Freedland speaks to George Conway, a founding member of the Lincoln Project, who is running for Congress, about what happens next

Donald Trump says ‘time is running out' for Iran as the threat of war appears to loom closer. A huge US armada is being moved towards Iran and is seen as the starkest indication yet that Trump intends to strike. The US president had called on the Iranian regime to negotiate a deal on the future of its nuclear programme, only weeks after he promised Iranian protesters ‘help was on the way' then backtracked days later. Nosheen Iqbal talks to the Guardian's deputy head of international news, Devika Bhat, about what Trump could do next – watch on YouTube. Help support our independent journalism at theguardian.com/infocus

Washington correspondent Jagruti Dave spoke to Ingrid Hipkiss.

US federal agents shot and killed 37-year-old Alex Pretti in Minneapolis on Saturday, the second such killing in the city in less than three weeks. Pretti was an intensive care nurse with no criminal record, yet authorities raced to portray him as a violent ‘gunman' who threatened to ‘massacre' law enforcement. Video evidence directly contradicts this account. Protests have since erupted across the US and the Trump administration has said it is ‘reviewing' the incident. Lucy Hough speaks to the Guardian columnist Moira Donegan. Help support our independent journalism at theguardian.com/infocus

Una jueza evalúa pruebas para el juicio de Luigi Mangione.El mundo estaría consumiendo agua a un ritmo insostenible.Los bancos evalúan tope del 10% a intereses de tarjetas.Conoce los productos que se retiran del mercado.Un nuevo robot que imita gestos y movimientos de los labios humanos.Efectos del consumo de bolsitas de nicotina en la salud.Ponte al día con lo mejor de ‘La Edición Digital del Noticiero Univision' con Carolina Sarassa y Borja Voces.

ICE detiene a cuatro menores en redadas migratorias.Conoce las nuevas tasas de obesidad.Conoce las estadísticas del primer año de Donald Trump.Estados Unidos cierra acuerdo con TikTok.La fiscalía de España archiva la denuncia contra Julio Iglesias.Ponte al día con lo mejor de ‘La Edición Digital del Noticiero Univision' con Carolina Sarassa y Borja Voces. 

Donald Trump's maximalist approach to foreign policy reached a crescendo this week, with the US president dominating proceedings at the World Economic Forum in Davos. Trump rescinded his threat to seize the Danish territory of Greenland, and launched his so-called board of peace for Gaza. It's been a chaotic week in Trumpworld – but there is increasing resistance from other world leaders, and signs of an emergent new world order. The Canadian prime minister, Mark Carney, has warned that ‘the old order is not coming back … We shouldn't mourn it. Nostalgia is not a strategy.' Lucy Hough speaks to the Guardian columnist Jonathan Freedland – watch on YouTube. Help support our independent journalism at theguardian.com/infocus

For the latest US news, Andrew Romano speaks to Bern Young.

Trump's board of peace includes Putin, Netanyahu and Tony Blair. What on earth will it do? Julian Borger reports. Help support our independent journalism at theguardian.com/infocus

The US president has backed down from weeks of threats to seize Greenland after threatening Europe with tariffs and the potential of military force. After talks with the Nato secretary general, Mark Rutte, Donald Trump said the ‘framework of a future deal' had been agreed that would allow the US to build up its military presence in the territory. Trump has also backed down from the tariff threat against eight countries including the UK, Denmark and Germany. Lucy Hough speaks to Europe correspondent Jon Henley – watch on YouTube. Help support our independent journalism at theguardian.com/infocus

John Harris is joined by Pippa Crerar and Kiran Stacey to discuss Donald Trump's climbdown on tariffs over his move to buy Greenland. Plus, Labour MP Andrew Gwynne is to stand down, which could open the way for Andy Burnham to take his seat. Help support our independent journalism at theguardian.com/politicspod

At the beginning of Donald Trump's trip to Davos, the US president's plans for Greenland were vague, and a worry to European leaders. By the end of the day, military force was off the table and threats of tariffs dropped. This is just one example of what it has been like to follow Trump 2.0 in the last year. This week, Jonathan Freedland speaks to Ashley Parker of the Atlantic about why she thinks Americans are suffering from a new politically induced condition and why the midterms in November might be the perfect remedy

On this week's episode, we talk about current societal trends impacting women and girls, leading them to believe that they are always on show and that the way they look is the most important thing about them. Thankfully, we have a trusted companion to do so in Oona Hanson. Oona Hanson is an educator and parenting coach. Through her writing, workshops, and private consultations, she supports families in raising kids who have a healthy relationship with food and their body. She has been featured in television programs, like Good Morning America, and her work has been featured in various publications, including People, USA Today, US News & World Report, Today, CNN, and The Washington Post. In our time together, we unpack a recent article Oona wrote for CNN, entitled, The Life of a Girl Who's Always on Show: Help Your Daughter Navigate a World That's Constantly Judging Her Looks. Specifically, we talk about the showgirl imagery in Taylor Swift's latest album, how we might interact with the next generation around the prevalence of weight loss ads, and the recent TikTok, now banned hashtag, #skinnytoc.Buy Melissa L. Johnson's book, Soul-Deep Beauty: Fighting for Our True Worth in a World Demanding Flawless, here. Learn more about Impossible Beauty and join the community here.

Brooklyn Peltz Beckham, the eldest son of David and Victoria Beckham, has appeared to permanently cut ties with his family. In an explosive statement posted on Instagram, he claimed his parents had been controlling narratives in the press about his family, and had tried to ‘ruin' his relationship with his wife, Nicola Peltz Beckham. Lucy Hough speaks to Guardian columnist Marina Hyde – watch on YouTube. Help support our independent journalism at theguardian.com/infocus

Tom Burgis on Donald Trump's friend Ronald Lauder, a billionaire with business interests in Greenland. Help support our independent journalism at theguardian.com/infocus

This week Jason Socrates Bardi joins in to talk about about the rivalry between three mathematicians that defined the fifty years surrounding World War I.About our guest:Jason Socrates Bardi is an award-winning journalist in DC who has written two books about the history of math: The Calculus Wars and The Fifth Postulate. He has published hundreds of articles about modern science and medicine in outlets including the San Francisco Chronicle, Good Morning America, US News & World Report, and The Lancet. He lives in Bethesda, Maryland.

Being a Millionaire Ain’t What It Used to Be Episode 367 – It wasn't that long ago that Regis Philbin drew massive viewers with his TV program Who Wants to be a Millionaire. Never mind the fact that the top prize was $1 million before taxes, which is considerably less than $1 million after taxes. But in today's economy, being a millionaire does not necessarily project the same status it once did. Or does it? More SML Planning Minute Podcast Episodes Transcript of Podcast Episode 367 Hello, this is Bill Rainaldi, with another edition of Security Mutual's SML Planning Minute. In today's episode, being a millionaire ain’t what it used to be. It wasn't that long ago that Regis Philbin drew massive viewers with his TV program Who Wants to Be a Millionaire. Never mind the fact that the top prize was $1 million before taxes, which is considerably less than $1 million after taxes. And while it's much more noticeable today, even during Y2K, being a millionaire did not give the same status that it once did. Yet it's an achievement many of us are shooting for. According to a new study, almost half of all workers (48 percent) have set $1 million as their retirement benchmark. That number was only 37 percent in 2024. But people aren't necessarily optimistic about reaching that milestone. In fact, a mere 27 percent actually expect to get there.[1] Another recent study provides more information on this. An analysis of government survey data done by Bloomberg indicates that there are more than 24 million millionaire households, or almost one in five. But a lot of that wealth is sealed into 401(k)s, IRAs and home equity, none of which is easily accessible. This is especially true for households in the lower end of the millionaire spectrum, with a net worth between $1 million and $2 million, which on average, have 66 percent of their wealth locked into these types of assets.[2] It’s important not to minimize what so many people have accomplished. $1 million is a great emotional milestone. And it's still a lot of money. The median household net worth is considerably less: about $193,000.[3] But nowadays, you might not be able to live off $1 million. It could end up lasting you a long time, but it all depends on where you live (which you can control), your health and longevity (which you might not be able to control), and how much you spend on things like housing, health care and other expenses. Every situation is different, of course. The cost of living varies widely throughout the United States. According to research by Forbes magazine, the average cost of living, defined as “housing costs, transportation, health care, food and income taxes,” is the highest in Hawaii at $55,491. Mississippi comes in the lowest with an average of $32,336. Of course, this is just for the essentials. The figures don't include entertainment, travel or anything else.[4] When it comes to longevity, average life expectancy has some quirks to it. For one thing, each year you age, your remaining life expectancy goes down, but not by a full year. This is a statistical oddity due to the fact that you're still here, but a few of your peers are not. For example, if you are a male age 60, your remaining life expectancy is 23.3 years, or to age 83.3. But if you make it to age 65, your new life expectancy is 19.3 years, or to age 84.3.[5] There are gender differences as well. For people age 65, females, on average, outlive males by approximately 2.7 years.[6] These are all just averages, of course. But the resulting life expectancies are often longer than people might anticipate. Here's another unique statistic: For a married couple age 60, there is approximately a 60 percent chance that at least one of the two will live past age 90.[7] That may or may not be you, but the longer you expect to live, the more concerned you will be about whether your $1 million is enough. How long will it last, and will you still be around when it runs out? Here are three hypotheticals compiled by SmartAsset. In the first one, assume you start with $1 million and get a 6 percent return. Also assume you are in a 24 percent tax bracket and you spend $5,000 per month. In that scenario, your $1 million should last you 30 years. But in the second scenario, assuming your return goes down to 5 percent, the well would run dry in 26 years. In the third scenario, your return goes up to 7 percent. But your tax bracket is also higher: 32 percent, and your withdrawal goes up to $6,000 per month. With those assumptions, your savings would only last 23 years.[8] Keep in mind that these examples do not include other sources of income such as Social Security. The maximum amount of Social Security you can collect is $5,181[9] per month before tax and Medicare charges, but that assumes you paid in the maximum and collect at age 70, which less than 10 percent of people do.[10] The average benefit is approximately $1,959 per month.[11] But when it comes to retirement income, the one huge advantage Social Security has is that it is indexed for inflation, although the Cost of Living Adjustment (or COLA) increases don't always keep up. So, how much you can accumulate for retirement is important, but it's not everything. Perhaps some of us are focusing on the wrong thing. Maybe it's just as important to have an income plan as it is to have an accumulation plan.[12] In other words, no matter how much you save, it's still only the first half of the journey. [1] Randall, Steve. “Nearly half of workers peg retirement target at $1M as anxiety climbs.” Investmentnews.com. https://www.investmentnews.com/retirement-planning/nearly-half-of-workers-peg-retirement-target-at-1m-as-anxiety-climbs/263546 (accessed December 15, 2025). [2] Steverman, Ben, Tartar, Andre and Davidson, Stephanie. “America Is Minting Lots Of Cash-Strapped Millionaires.” Fa-mag.com. https://www.fa-mag.com/news/america-is-minting-lots-of-cash-strapped-millionaires-84395.html (accessed December 12, 2025). [3] Kane, Libby. “The net worth it takes at every age to be richer than most people you know.” Businessinsider.com https://www.businessinsider.com/net-worth-data-american-wealth-age-2025-4 (accessed December 12, 2025). [4] Rothstein, Robin. “Examining The Cost Of Living By State.” Forbes.com. https://www.forbes.com/advisor/mortgages/cost-of-living-by-state/ (accessed December 15, 2025). [5] Social Security Administration. “Retirement & Survivors Benefits: Life Expectancy Calculator.” Ssa.gov. https://www.ssa.gov/OACT/population/longevity.html (accessed December 15, 2025). [6] The Global Statistics. “Life Expectancy by Age in the US 2025 | Stats & Facts.” Theglobalstatistics.com. https://www.theglobalstatistics.com/life-expectancy-by-age/ (accessed December 15, 2025). [7] Social Security Administration. “Longevity Visualizer.” SSA.gov. https://www.ssa.gov/policy/tools/longevity-visualizer/index.html (accessed December 15, 2025). [8] Smartasset.com. “Is $1M Enough to Retire Comfortably in 2025? Replace Guesswork With a Fiduciary-Built Plan.” Insights.smartasset.com. https://insights.smartasset.com/sem/how-long-will-1m-last-in-retirement?utm (accessed December 15, 2025). [9] Social Security Administration. “Worker with steady earnings at the maximum level since age 22.” Ssa.gov. https://www.ssa.gov/OACT/COLA/examplemax.html (accessed December 15, 2025). [10] Royal, James. “What age do most Americans take Social Security?” Bankrate.com. https://www.bankrate.com/retirement/when-do-most-americans-take-social-security/ (accessed December 15, 2025). [11] Horton, Cassidy. “What's the average Social Security check in Dec. 2025?” Aol.com. https://www.aol.com/finance/retirement-planning/article/average-social-security-benefit-payment-december-2025-195039610.html (accessed December 15, 2025). [12] LaPonsie, Maryalene. “Can You Retire on $1 Million? Here’s How Far It Will Go in 2025.” USNews.com. https://money.usnews.com/money/retirement/articles/can-you-retire-on-one-million (accessed December 15, 2025). More SML Planning Minute Podcast Episodes This podcast is brought to you by Security Mutual Life Insurance Company of New York, The Company That Cares®. The content provided is intended for educational and informational purposes only. Information is provided in good faith. However, the Company makes no representation or warranty of any kind regarding the accuracy, reliability, or completeness of the information. The information presented is designed to provide general information regarding the subject matter covered. It is not to serve as legal, tax or other financial advice related to individual situations, because each individual's legal, tax and financial situation is different. Specific advice needs to be tailored to your situation. Therefore, please consult with your own attorney, tax professional and/or other advisors regarding your specific situation. To help reach your goals, you need a skilled professional by your side. Contact your local Security Mutual life insurance advisor today. As part of the planning process, he or she will coordinate with your other advisors as needed to help you achieve your financial goals and objectives. For more information, visit us at SMLNY.com/SMLPodcast. If you've enjoyed this podcast, tell your friends about it. And be sure to give us a five-star review. And check us out on LinkedIn, YouTube and Twitter. Thanks for listening, and we'll talk to you next time. Tax laws are complex and subject to change. The information presented is based on current interpretation of the laws. Neither Security Mutual nor its agents are permitted to provide tax or legal advice. The applicability of any strategy discussed is dependent upon the particular facts and circumstances. Results may vary, and products and services discussed may not be appropriate for all situations. Each person's needs, objectives and financial circumstances are different, and must be reviewed and analyzed independently. We encourage individuals to seek personalized advice from a qualified Security Mutual life insurance advisor regarding their personal needs, objectives, and financial circumstances. Insurance products are issued by Security Mutual Life Insurance Company of New York, Binghamton, New York. Product availability and features may vary by state.​ SubscribeApple PodcastsSpotifyAndroidPandoraBlubrryby EmailTuneInDeezerRSSMore Subscribe Options

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(00:00) — The first spark: Dr. Gray asks when medicine became real.(01:34) — Military plans, cold feet, and choosing community college: He skips the Air Force and starts at McDonald's while exploring options.(02:50) — Hospital volunteering clicks: Serving patients water and meals feels right.(03:57) — Dodging family careers, then trying healthcare: After business, HVAC, and computer science, healthcare gets a look.(05:03) — PA vs MD crossroads: Realizing his reasons for PA pointed to wanting to be a physician—and surgery.(06:35) — Work ethic and upbringing: Family moves from a tough neighborhood shaped his drive.(09:41) — Early C's and the “not a science person” myth: Motivation and maturity change outcomes.(11:28) — Six-year undergrad and the pivot: Business transfer degree to UMBC biology and honors in philosophy.(13:12) — Why gap years: YouTube guidance, mentors, research, and phlebotomy.(15:36) — Inside admissions at Brown: The competition he witnessed.(16:36) — What likely stood out to Brown: Authentic story, first-gen identity, jobs, and solid metrics.(18:09) — Getting personal in the personal statement: Why vulnerability matters.(19:57) — One-and-done and the gift of virtual interviews: COVID made it financially possible.(21:48) — Will AI end virtual interviews?: Concerns about cheating and tech trust.(24:34) — AI in the OR and pathology: Augmenting surgeons and decoding tumors.(25:30) — The first interview invite memory: Relief and pride in the lab.(27:06) — If he could change admissions: Predicting academic success and centering people over scores.(29:03) — Transparency, the MCAT, and US News incentives: How rankings skew behavior.(33:09) — Final words to struggling premeds: Your timeline is your own—keep going.Ryland didn't grow up planning on medicine. After high school, he nearly joined the Air Force, worked at McDonald's, and enrolled at community college to explore paths—from business and HVAC to computer science. Hospital volunteering felt different. He became a phlebotomist, considered PA school, and then realized the reasons drawing him to PA actually pointed to becoming a physician—with a strong pull toward surgery.It wasn't linear. Early C's in science and a six-year undergraduate path (business transfer to UMBC biology with honors in philosophy) forced him to confront the “not a science person” label. With time, maturity, and motivation, he turned it around, took two gap years for research and service, leaned heavily on YouTube guidance, and sought mentors who helped shape his essays and application strategy.Ryland shares why he aimed for a one-and-done application, how virtual interviews during COVID made that possible, and what it felt like to see his first interview invite. He reflects on serving on Brown's admissions committee, what authentic stories communicate beyond metrics, and why getting personal matters. Plus, a candid discussion on AI's impact on interviews and training, the perverse incentives of rankings, and his message to premeds: your timeline is your own—and you can do this.What You'll Learn:- How to pivot after early C's and reframe the “not a science person” myth- Deciding PA vs MD by clarifying what truly draws you to patient care- Using community college, gap years, and mentoring to strengthen your application- What admissions values beyond MCAT and GPA—and why authenticity matters- How AI and rankings may shape interviews and the premed landscape