Podcasts about Vanguard

Zach Pandl, Head of Research at Grayscale Investments, joined me to discuss the firms new altcoin ETFs which includes Chainlink, XRP, and Dogecoin.Topics: - Grayscale's new ETFs - Filing for Zcash ETF - Grayscale IPO - Crypto market outlook Brought to you by ✅ VeChain is a versatile enterprise-grade L1 smart contract platform https://www.vechain.org/

Las Oakley Meta Vanguard han mejorado cámara y audio respecto a las HSTN, pero el peso sigue siendo problema. Son muy útiles para creadores deportivos, pero quizás todavía prescindibles para el resto. El futuro existe, pero pesa.Loop Infinito, podcast de Xataka, de lunes a viernes a las 7.00 h (hora española peninsular). Presentado por Javier Lacort. Editado por Alberto de la Torre.Contacto:

Tasha Eurich shares why pushing through sometimes isn't enough–and how to bounce back stronger than ever.— YOU'LL LEARN — 1) The hidden costs of “grit gaslighting” 2) How to know when you've hit your “resilience ceiling” 3) The three needs that unlocks the best version of yourselfSubscribe or visit AwesomeAtYourJob.com/ep1066 for clickable versions of the links below. — ABOUT TASHA — Dr. Tasha Eurich is an organizational psychologist, researcher, and New York Times best-selling author (Shatterproof, Insight, Bankable Leadership). She helps people thrive in a changing world by becoming the best of who they are and what they do. With a PhD in Industrial-Organizational Psychology, Tasha is the principal of The Eurich Group, a boutique consultancy that helps successful executives succeed when the stakes are high. As an author and sought-after speaker in the self-improvement space, Tasha is a candid yet compassionate voice. Pairing her scientific grounding with 20+ years of experience on the corporate front lines, she reveals the often-surprising secrets to success and fulfillment in the 21st century. • Book: Shatterproof: How to Thrive in a World of Constant Chaos (And Why Resilience Alone Isn't Enough) • Quiz: The Resilience Ceiling Quiz • Website: TashaEurich.com— RESOURCES MENTIONED IN THE SHOW — • Book: Give and Take: Why Helping Others Drives Our Success by Adam Grant • Book: Resilient: How to Grow an Unshakable Core of Calm, Strength, and Happiness by Rick Hanson and Forrest Hanson • Book: Team of Rivals: The Political Genius of Abraham Lincoln by Doris Kearns Goodwin • Book: The Great Gatsby by F. Scott Fitzgerald • Study: Need Crafting• Website: World Uncertainty Index • Past episode: 1065: Harvard's Stress Expert Shares Top Resilience Tools with Dr. Aditi Nerurkar— THANK YOU SPONSORS! — • Vanguard. Give your clients consistent results year in and year out with vanguard.com/AUDIO• Quince. Get free shipping and 365-day returns on your order with Quince.com/Awesome• Cashflow Podcasting. Explore launching (or outsourcing) your podcast with a free 10-minute call with Pete.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3230: Darrow Kirkpatrick breaks down the real value, and limitations, of hiring a financial advisor when planning for retirement. With a strong case for the do-it-yourself path, he urges readers to weigh the costs, conflicts of interest, and unpredictability of financial markets before outsourcing their future. Read along with the original article(s) here: https://www.caniretireyet.com/book-excerpt-need-financial-advisor/ Quotes to ponder: "Smart people and resourceful organizations develop clever models that help them market themselves as having an edge over the competition. But guess what? They don't know the future any better than you do." "Nobody can predict the future or outperform the market over the long haul." "Financial planning should be more about equipping yourself with the analysis tools and mindset for a safe and enjoyable journey, than about trying to predict and control your exact route and arrival time!" Episode references: Garrett Planning Network: https://www.garrettplanningnetwork.com/ Vanguard: https://investor.vanguard.com/ USAA: https://www.usaa.com/ NAPFA: https://www.napfa.org/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3230: Darrow Kirkpatrick breaks down the real value, and limitations, of hiring a financial advisor when planning for retirement. With a strong case for the do-it-yourself path, he urges readers to weigh the costs, conflicts of interest, and unpredictability of financial markets before outsourcing their future. Read along with the original article(s) here: https://www.caniretireyet.com/book-excerpt-need-financial-advisor/ Quotes to ponder: "Smart people and resourceful organizations develop clever models that help them market themselves as having an edge over the competition. But guess what? They don't know the future any better than you do." "Nobody can predict the future or outperform the market over the long haul." "Financial planning should be more about equipping yourself with the analysis tools and mindset for a safe and enjoyable journey, than about trying to predict and control your exact route and arrival time!" Episode references: Garrett Planning Network: https://www.garrettplanningnetwork.com/ Vanguard: https://investor.vanguard.com/ USAA: https://www.usaa.com/ NAPFA: https://www.napfa.org/ Learn more about your ad choices. Visit megaphone.fm/adchoices

On this episode: How will you spend in retirement? Should your kids know the details of your will? Vanguard: Will two wrongs make a right? Subscribe or follow so you never miss an episode! Check out Fire Your Financial Advisor on YouTube! Learn more at GoldenReserve.com or follow on social: Facebook & LinkedIn.See omnystudio.com/listener for privacy information.

How did China's trade surplus hit $1.1 trillion this year? The United States purchased around $450 billion of manufactured goods from China in 2024, but trade has dropped between the two countries so how did China have a record surplus of $1.1 trillion through November 2025? The current tariff on goods imported from China is around 37% according to the Tax Policy Center and imported goods from China have dropped dramatically. China has been able to increase their exports to other countries to more than compensate for the loss of exports to the United States which are down roughly 19%. China has seen an increase of exports to Southeast Asia of 14%, the European Union has increased 8%, and Latin America saw a 7% increase in exports from China. A big increase of 25% in exports to Africa was also very helpful to China's manufacturing surplus. Even though they're turning out more cars, manufacturing products and chemicals than ever before, it has created a very heavy competition in China which is pushing down prices, profits, and income for the Chinese manufacturing companies. There will not be another round of talks between the US and Chins until next year. At the last set of trade talks the US did lower our tariffs and China promised to buy American soy beans and end a plan to tighten the export of rare earths, which are critical and found in many products from jet engines to cars and many other electronics as well. We will continue to follow the developments of these trade talks as there should be more news coming next year!   Finally some data on the labor market! With the government shutdown, a lot of the data for the labor market was delayed. We finally got employment figures for October and November, and they were interesting to say the least! To start, the October numbers looked horrific considering payrolls declined by 105,000 in the month. While this sounds troubling, it's important to remember all of those government workers on severance were still counted as employed until the severance ended. This led to a decline in government payrolls of 162,000 in the month of October. Losses in government payrolls continued in November, but at a much slower rate as they tallied 6,000 in the month. Since reaching a peak in January, government employment has seen a decline of 271,000 jobs. Looking at November, payrolls increased by 64,000, but healthcare continued to carry most of the weight as the sector accounted for more than 70% of the total net increase and added 46,000 jobs. Construction was also strong in the month as the sector added 28,000 jobs, but many other areas saw little change and transportation and warehousing was weak as payrolls declined by 18,000. Another concern in the report was the unemployment rate ticked up to 4.6%, which was above the 4.4% level in September and marked the highest reading since September 2021. Overall, when I look at the labor market it is definitely slowing, but I wouldn't say I'm overly concerned at this point in time. While it is concerning to see declines in the payroll level in three of the last six months, for the most part the private market has done a good job picking up the large declines in the government sector, which I view as healthy. I don't want to say our labor market is booming at this point in time, but I would still classify as relatively healthy.    Inflation report shows great progress, can it be trusted? Headline November CPI came in at 2.7% compared to last November, which was well below the estimate of 3.1% and core CPI, which excludes food and energy, showed an increase of just 2.6%. This was the lowest reading for core CPI since March 2021 when the increase was just 1.6% and it also came in well below the estimate of 3.0%. Some areas in the report remained challenging particularly in food, where we saw uncooked beef roast climb 21.2% and coffee increase by 18.8%. Beef prices have struggled as cattle supply touched its lowest point in 2025 since the early 1950s and coffee prices have been hit by extreme weather in major coffee-producing countries as well as the tariffs levied on Brazil. Shelter inflation was positive in the report as the annual increase was just 3% and it's believed there is more relief coming for the largest weight in the CPI, which generally occupies around 1/3 of the headline number. If the inflation for shelter slows further, it would be very beneficial for the inflation rate as we progress through 2026. The big problem with this report is there are questions about how accurate the data is. Due to the shutdown, there was no data collected for the month of October, and the BLS was only able to collect data for about half the month of November as the shutdown did not end until November 12th. For the time being we are pleased with the results from this CPI report, but I do believe there will now be even more emphasis on the December CPI as that will be the first full month of data following the record-breaking government shutdown.    Want to become a millionaire? Invest in your 401(k)! There are more and more people with $1 million or more in a 401(k) as companies like Fidelity and Vanguard are seeing record numbers of people with accounts of more than $1 million. Fidelity said they hit the highest level ever when it comes to 401k millionaires with about 3.2% of their 401k's or 654,000 accounts now over $1 million. Vanguard also had similar numbers for 401k millionaires. Becoming a 401k millionaire is not a get rich quick scheme, but it's a proven way to build your wealth long-term with proper investment choices. It is estimated that roughly 86% of those with $1 million plus in their 401k are 50 or older. It is also estimated that around 1000 people per day become 401k millionaires in the US. The key to becoming a 401K millionaire is to invest wisely, which means not too aggressive, but also not too conservative. Also, when a portfolio drops, you cannot sell everything and wait for the market to get better, you or an investment professional must verify that you have good quality investments in your portfolio that can handle the financial storms and also it's important to continue adding to your portfolio during these difficult times. It is important not to pull money out from your 401(k) for any reason at all, no matter how bad you think the situation is, it will improve. It is much better to deal with problems when you're young rather than when you're in your 60s because you did not let your 401(k) grow to over a million dollars.   Financial Planning: Taking Advantage of Itemized Deductions Before December 31st With the repeal of the $10,000 SALT deduction limit, many taxpayers may once again benefit from itemizing deductions rather than taking the standard deduction, and there are practical steps that can be taken before year-end to further enhance that benefit. The SALT deduction includes both state income taxes and property taxes, and because individuals are cash-basis taxpayers, deductions are generally taken when expenses are paid rather than when they are due, meaning that paying certain obligations before December 31st can shift future deductions into the current tax year. In California and many other states, property taxes are paid in two installments, with the first due in December and the second due in April.  If the April installment is paid by December 31st, it may be deductible in the current year instead of the following one. Similarly, the final state estimated tax payment is typically due on January 15th, but making that payment in December allows the deduction to be taken in the current year. Another significant itemized deduction is mortgage interest, and while mortgage payments are usually due on the first of the month, making the January 1st payment in December can allow the interest from that payment to be deducted in 2025 rather than 2026. In addition, charitable deduction rules are scheduled to change in 2026 and will be subject to an adjusted gross income (AGI) limitation, which means taxpayers who are charitably inclined may benefit from accelerating planned donations into the current year while the rules are more favorable. Taken together, these strategies tend to be most effective when income is higher in the current year, as accelerating deductions while in higher tax brackets results in greater overall tax savings.   Companies Discussed: Oxford Industries, Inc. (OXM), Exxon Mobil Corporation (XOM), Vail Resorts, Inc. (MTN) & Costco Wholesale Corporation (COST)

On this episode: Vanguard is offering a Target Date Fund with an annuity option. What could go wrong? Turns out, retirees want more stability than the stock market provides. If you DIY your retirement plan, what are the dangers? Like this episode? Hit that Follow button and never miss an episode!

In this holiday Friday Q&A, Don opens with a festive announcement about Season's Readings—now Apple-featured and temporarily commercial-free—before diving into listener questions on fixed annuities versus CDs, a creative (and complex) 529-to-Roth strategy tied to Georgia tax deductions, simplifying IRA management and RMDs at Schwab or Vanguard, the unavoidable tax traps of old investment clubs structured as partnerships, and the perennial question of how much U.S. large-cap exposure belongs in a diversified equity portfolio. Along the way, Don reinforces core themes: simplicity beats complexity, costs matter, taxes are inevitable, and diversification has no single “correct” allocation—only trade-offs aligned with philosophy and discipline. 0:04 Holiday welcome, Friday Q&A format, and how to submit questions 0:46 Season's Readings podcast announcement, Apple feature, and commercial-free holiday run 2:16 Fixed annuities vs CDs: safety, state guarantees, and annuity ladders 5:29 Using 529 plans as a long-term Roth pipeline with state tax deductions (Georgia example) 9:29 Moving an IRA to Schwab or Vanguard and automating RMDs 10:20 Investment clubs as partnerships: K-1s, capital gains, and tax inevitability 14:47 How much U.S. large-cap belongs in a diversified stock portfolio 18:54 Reviews, critics, Bitcoin pushback, and holiday sign-off Learn more about your ad choices. Visit megaphone.fm/adchoices

December 18, 2025:  Is artificial intelligence already replacing jobs—or is that narrative getting ahead of the data? This episode examines new research from Vanguard's 2026 Economic and Market Outlook, which analyzes U.S. employment and wage data to understand how AI exposure is actually affecting work today. Contrary to widespread fears, the findings show that jobs most exposed to AI—including analysts, accountants, HR professionals, and other knowledge workers—are not disappearing. They are growing. And real wages in those roles are rising faster than in jobs with lower AI exposure. The episode explores why AI is currently acting as a productivity amplifier rather than a job killer, how this phase mirrors earlier waves of technological change, and where the real risks are beginning to emerge. It also looks ahead to the implications for workforce design, skill development, and career pathways—especially as AI reshapes entry-level work and raises performance expectations across organizations. For leaders, executives, and professionals trying to separate AI hype from reality, this episode offers a grounded, data-driven view of what's happening now—and what signals to watch next in the future of work.

2025-12-19 | UPDATES #083 | Ukraine is expanding the maritime war — not just in the Black Sea, but now out into the Mediterranean. A tanker burns at Rostov-on-Don. A “shadow fleet” vessel gets hit off Libya. And then comes the rumour: that a senior GRU figure — Major General Andrei Averyanov — may have been on board. Could this be Ukraine's boldest move of the war so far? Start in southern Russia — Rostov-on-Don. Overnight into December 18, Ukrainian drones hit the region. Russian officials say three people were killed, including two crew members of a tanker that caught fire at the port. (Reuters)Reuters reports the vessel was the Russian-flagged tanker Valeriy Gorchakov — identification attributed to the British maritime risk firm Vanguard. (Reuters)----------SOURCES: Reuters (Dec 18, 2025) – Ukrainian drones kill three people in Russia's Rostov region, authorities say - https://www.reuters.com/world/ukrainian-drones-hit-tanker-russias-rostov-port-causing-deaths-mayor-says-2025-12-18/The Maritime Executive (Dec 18, 2025) – Ukrainian Long-Range Attack Kills Two Crew and Damages Tanker in Rostov - https://maritime-executive.com/article/ukrainian-long-range-attack-kills-two-crew-and-damages-tanker-in-rostovThe New Voice of Ukraine (Dec 18, 2025) – Oil tanker sinking in Russia's Rostov-on-Don after Ukrainian strike (reporting via Astra/MarineTraffic) - https://english.nv.ua/russian-war/oil-tanker-sinking-in-russia-s-rostov-on-don-50569696.htmlReuters (Dec 19, 2025) – Ukraine hits Russian 'shadow fleet' tanker in Mediterranean for first time, SBU source says - https://www.reuters.com/business/aerospace-defense/ukraine-hits-russian-shadow-fleet-tanker-mediterranean-first-time-sbu-source-2025-12-19/The Guardian (Dec 19, 2025) – Ukraine attacks Russian 'shadow' tanker off Libyan coast - https://www.theguardian.com/world/2025/dec/19/ukraine-attacks-russian-shadow-tanker-off-libyan-coastLloyd's List (Dec 19, 2025) – Ukraine targets shadow fleet tanker in Mediterranean - https://www.lloydslist.com/LL1155927/Ukraine-targets-shadow-fleet-tanker-in-MediterraneanThe War Zone / TWZ (Dec 19, 2025) – Ukraine Strikes Russia-Linked Tanker In The Mediterranean With ‘Bomber Drone' - https://www.twz.com/news-features/ukraine-strikes-russia-linked-tanker-in-the-mediterranean-with-bomber-droneTradeWinds (Dec 19, 2025) – Video: Russia-trading tanker hit by fresh drone strike, Ukraine says - https://www.tradewindsnews.com/casualties/video-russia-trading-tanker-hit-by-fresh-drone-strike-ukraine-says/2-1-1919744Reuters (Dec 10, 2025) – Ukraine disables 'shadow fleet' vessel with sea drones in Black Sea - https://www.reuters.com/world/europe/ukraine-disables-shadow-fleet-vessel-with-sea-drones-black-sea-2025-12-10/----------Silicon Curtain is a part of the Christmas Tree Trucks 2025 campaign - an ambitious fundraiser led by a group of our wonderful team of information warriors raising 110,000 EUR for the Ukrainian army. https://car4ukraine.com/campaigns/christmas-tree-trucks-2025-silicon-curtainThe Goal of the Campaign for the Silicon Curtain community:- 1 armoured battle-ready pickupWe are sourcing all vehicles around 2010-2017 or newer, mainly Toyota Hilux or Mitsubishi L200, with low mileage and fully serviced. These are some of the greatest and the most reliable pickups possible to be on the frontline in Ukraine. Who will receive the vehicles?https://car4ukraine.com/campaigns/christmas-tree-trucks-2025-silicon-curtain- The 38th Marine Brigade, who alone held Krynki for 124 days, receiving the Military Cross of Honour.- The 1027th Anti-aircraft and artillery regiment. Honoured by NATO as Defender of the Year 2024 and recipient of the Military Cross of Honour.- 104th Separate Brigade, Infantry, who alone held Kherson for 100 days, establishing conditions for the liberation of the city.- 93rd Brigade "Kholodnyi Yar", Black Raven Unmanned Systems Battalion ----------

The source introduces Vanguard, a newly designed and built subsea human habitat, which will enable a new era of marine biology research by allowing aquanauts to live and work underwater at ocean pressure for extended periods. This saturation diving capability eliminates the significant time loss associated with traditional daily dives, allowing researchers to conduct up to nine hours of actual underwater work per day for missions lasting weeks or months. Experts emphasize that living at depth will revolutionize science by enabling long-duration observations of complex marine processes, such as coral growth and the diel vertical migration. Furthermore, Vanguard will facilitate critical research into the effects of hyperbaric environments on the human body, providing insights for both undersea activities and space analog missions.Original article = https://www.newscientist.com/article/2507031-how-aquanauts-will-change-our-view-of-the-ocean/#VanguardHabitat #SubseaHabitat #Aquanauts #SaturationDiving #UnderwaterHabitat #OceanScience#MarineBiology #DeepSeaResearch #LivingUnderwaterhttp://atlantisseacolony.com/https://www.patreon.com/atlantisseacolonyhttps://discord.gg/jp5aSSkfNS

Marti sits down with David Seymour, Deputy Prime Minister of New Zealand and Leader of the ACT Party, inside the Beehive. David opens up about his background in an electrical contracting family, learning early on that "you come in at the end of the job when most of the screw-ups are already made." They discuss the "unbalanced relationship" of current employment laws, where employers face massive risks just to part ways with underperforming staff. David explains why he believes "no one really knows very much" and why the government needs to stop promising to build 100,000 houses and start letting businesses use "trial and error" to succeed. He also shares the success of Charter Schools (like Vanguard) and why removing rigid union contracts was the key to their performance.

The polished facade of NXIVM has shattered, and in Part 2, we take you inside the federal courthouse where its leaders finally face justice. We explore the harrowing trial of Keith Raniere, built on the brave testimony of the women who escaped his control. From the secret master-slave sorority known as DOS to the shocking details of branding, blackmail, and psychological abuse, the full truth of the cult is laid bare. We cover the verdicts, the sentences, and the downfall of the man who called himself "Vanguard." But what happens after the headlines fade? To discuss the case's complex legacy, we are joined by a special guest: Natalie, the host of the popular podcast "Allison After NXIVM." She shares her unique insights into the story, the people involved, and the long road to recovery for those who lived through it. Find more information about "Allison After NXIVM" here Thank you to this week's sponsors! IQBAR is offering our special podcast listeners 20% off all IQBAR products—including the sampler pack—plus FREE shipping. Text MOMS to 64000.  Message and data rates may apply. See terms for details. Give the gift of confidence this holiday season with Nutrafol. Right now, Nutrafol is offering our listeners $10 off your first month's subscription plus free shipping when you go to Nutrafol.com com and use promo code MOMS. It's time to get your own personal stylist with DailyLook.  Head to DailyLook.com to take your style quiz and use code MOMS for 50% off your first order.  #truecrime #truecrimepodcast #momsandmysteries #nxivm #keithraniere #trial #dos #allisonafternxivm #justice #cult New episodes every Tuesday and Thursday! Follow us on Instagram: @momsandmysteries Join our Patreon: ⁠patreon.com/momsandmysteries ⁠ Visit our website: ⁠momsandmysteries.com

Melody Wilding breaks down the crucial conversations to have with your boss to improve your work life. — YOU'LL LEARN — 1) How to differentiate yourself with one conversation 2) How to build your pushback power 3) The easiest way to improve your visibility Subscribe or visit AwesomeAtYourJob.com/ep1038 for clickable versions of the links below. — ABOUT MELODY — Melody Wilding is a professor of human behavior at Hunter College and author of Managing Up. She was recently named one of Insider's “most innovative career coaches.” Her background as a therapist and emotions researcher informs her unique approach, weaving evidence-based neuroscience and psychology with professional development. Her previous book is Trust Yourself. • Book: Managing Up: How to Get What You Need from the People in Charge • Website: ManagingUp.com — RESOURCES MENTIONED IN THE SHOW — • Book: Difficult Conversations: How to Discuss What Matters Most by Douglas Stone, Bruce Patton, and Sheila Heen • Book: Thanks for the Feedback: The Science and Art of Receiving Feedback Well by Douglas Stone and Sheila Heen — THANK YOU SPONSORS! — • Vanguard. Give your clients consistent results year in and year out with vanguard.com/AUDIO• Quince. Get free shipping and 365-day returns on your order with Quince.com/Awesome• Taelor. Visit Visit taelor.style and get 10% off gift cards with the code PODCASTGIFT• Cashflow Podcasting. Explore launching (or outsourcing) your podcast with a free 10-minute call with Pete.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

‘Tis the season for “best of,” “most,” and of course, “naughty and nice” list making.  In this episode Nevin (Adams) and Fred (Reish) share theirs with regard to retirement plans.In that holiday classic “Santa Claus is Coming to Town,”Santa is said to be “making a list and checking it twice…” all with the purpose of finding out “who's naughty and nice.” Well, in this special holiday-inspired episode, Nevin and Fred share their lists.  So, who/what is going to wind up with a lump of coal in their stocking?Here are our lists:Naughty 1. Surveys that promote bogus data to generate business for themselves.  Scare techniques generally, including by those who use surveys and studies to do that.2. Frivolous lawsuits - given multiple chances to make their claim(s) - the forfeiture suits primarily (note:  some of that comes from apparent conflicts in the laws and regulations…for example, the IRS says that using forfeitures to offset contributions is possible, but the DOL says that, if left to discretion, it is a fiduciary duty that must be in the best interest of participants.3. Social Security looming shortfalls left unaddressed - and everyone says it won't be a problem.  4. The lack of any integrated fiduciary/institutional answer to retirement income. Although the steps taken, e.g., the SECURE Act, are “nice.”5. The complexity of the laws governing qualified plans, especially when it comes to small employers.Nice1. Signs that people are saving more and better. Evidence in PSCA, Vanguard and Fidelity surveys.  The very low costs of saving through 401(k) plans as compared to retail (andpartially the plaintiffs' attorneys who have contributed to that).2. DOL backing plan fiduciaries on the forfeiture reallocation suit.   3. More personalized target-date funds/managed accounts.4. Pooled Employer plans (though keep an eye on themarketing and administration of these programs down the road).5. Mandatory automatic enrollment for new 401(k) and 403(b) plans.6. Retirement issues continue to be a bipartisan issue mostly). Episode Resources:Misleading headlines/surveysTalking Points: Third Time No Charm in ‘Forgotten Account' FantasyTalking Points: IRA ‘Junk' BunkNo 'Magic' in These 401(k) Retirement NumbersTalking Points: A Red Flag for a ‘Red Flag' Report).Social Security'Nothing' Doing About Social Security?Forfeiture StuffDOL Backs HP in Forfeiture Reallocation Suit AppealSECURE 2.0 and Retirement IncomeSECURE Act and Guaranteed Income (Part 3) - Fred Reish6 Obstacles to Retirement Income AdoptionPEPsNevin & Fred: Could a Predominant PEPs Prediction Prove Positive?Automatic EnrollmentThe SECURE Act 2.0: The Most Impactful Provisions (#1–Automatic Plans) - Fred ReishThe SECURE Act 2.0: The Most Impactful Provisions #13 — Starter 401(k) Plans and Safe Harbor 403(b) Plans - Fred ReishThings I Worry About (6): Automatic Enrollment (5) and PEPs - Fred Reish 

On episode 443 of Animal Spirits, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ben Carlson⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ discuss: the stock market rally is broadening out, no one wants an AI bubble, the return outlook for 2026, Howard Marks on how to invest today, hedging an AI bubble, concentration risk, financial markets don't care about labor markets yet, the worst part about inflation, data centers in space, the housing outlook for 2026 and more. This episode is sponsored by YCharts and Vanguard. This episode is sponsored by YCharts. download Charts That Defined 2025, and start your free YCharts trial through Animal Spirits (new customers only) at https://go.ycharts.com/animal-spirits Learn more about Vanguard at: ⁠https://www.vanguard.com/audio Sign up for The Compound newsletter and never miss out: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠thecompoundnews.com/subscribe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Find complete show notes on our blogs: Ben Carlson's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠A Wealth of Common Sense⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Michael Batnick's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Irrelevant Investor⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Feel free to shoot us an email at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠animalspirits@thecompoundnews.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ with any feedback, questions, recommendations, or ideas for future topics of conversation.   Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Ben Carlson are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Investments in securities involve the risk of loss. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided on this website (including any information that may be accessed through this website) is not directed at any investor or category of investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/⁠⁠⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

This episode of Talking Real Money takes aim at the latest “easy money” illusion—house flipping—explaining why rising costs, higher interest rates, softer housing demand, and plain old competition have drained much of its appeal. Tom and Don connect flipping's decline to a familiar pattern of speculative behavior, much like day trading or past real estate manias, and reinforce why there are no reliable shortcuts to wealth. Listener calls drive a wide-ranging discussion on global diversification versus U.S.-only investing, the dangers of concentration risk in the S&P 500, how recency bias distorts performance comparisons, and why owning more markets matters more than making predictions. The episode wraps with practical retirement guidance for older investors, including simplifying portfolios with low-cost target-date funds, and closes with trademark humor and perspective. 0:05 Show open, intro banter, singing callbacks, and weekend rhythm 0:28 House flipping compared to day trading and FOMO investing 1:28 Why flipping activity is down sharply: costs, rates, and competition 3:41 The myth of “passive income” in real estate 4:50 Softer housing markets and demographic headwinds 6:02 No magic systems—long-term investing still wins 8:27 Lisa (Colorado): investing nonprofit funds at Vanguard 10:30 VOO vs VTI vs VT and the case for global diversification 12:29 Volatility, standard deviation, and diversification basics 14:44 Sharpe ratios, recency bias, and misleading performance metrics 16:54 Charles (Seattle): Boeing plans, VOO, and AVGE at Schwab 18:32 S&P 500 concentration risk and the “Magnificent Seven” 21:33 Jason (Sammamish): VTI vs VT debate and long-term market data 28:41 Debbie (Camano Island): portfolio risk concerns at age 73 31:20 Risk tolerance vs risk capacity in retirement 33:16 Vanguard target-date funds as a simple retirement solution 36:01 Lighter close with creative fundraising and holiday humor Learn more about your ad choices. Visit megaphone.fm/adchoices

Imagine thinking you signed up for a self-improvement course, only to wake up inside a secret hierarchy where starvation, blackmail, and branding were sold as empowerment. This is the story of NXIVM, the so-called leadership program that unraveled into one of the most disturbing criminal enterprises in modern history.   In Part 1, we pull back the curtain on how Keith Raniere, a man who called himself "Vanguard," and his partner Nancy Salzman built a multi-million dollar empire on the promise of human potential. We explore the early days of their Executive Success Programs (ESP), the manipulative techniques used to lure in thousands of followers—including celebrities and business leaders—and the slow, deliberate process of indoctrination. How did a group that started with corporate retreats and PowerPoint presentations devolve into a destructive cult? We trace the origins of the abuse, the creation of a master-slave sorority, and the psychological tactics that kept its members loyal, even as the darkness closed in.   Thank you to this week's sponsors!   Find gifts so good you'll want to keep them with Quince! Go to Quince.com/moms for free shipping on your order and 365-day returns. Now available in Canada, too.   Head to Wayfair.com right now to shop all things home.    #truecrime #truecrimepodcast #momsandmysteries #nxivm #keithraniere #cult #nancysalzman #selfhelp #esp #vanguard     New episodes every Tuesday and Thursday!   Follow us on Instagram: @momsandmysteries   Join our Patreon: patreon.com/momsandmysteries    Visit our website: momsandmysteries.com

In Chapter 39 of The Book of Trump, Ghost is joined by Burning Bright for a deep dive into the concept of “The Vanguard” and Russia's evolving role in the global power shift. This episode examines Chechnya, Dagestan, and the Caucasus through the lens of history, warfare, and culture, connecting the Russo Chechen wars to modern geopolitics, MMA, and the restructuring of Russian military and security forces. The discussion explores Ramzan Kadyrov, the rise of Chechen units as loyal power brokers, and how combat sports, masculinity, and cultural identity intersect with sovereignty and statecraft. Ghost and Burning Bright challenge mainstream narratives around Russia, extremism, and propaganda, arguing that flawed premises can lead to confidently wrong conclusions. This chapter frames Russia as a central player in a broader sovereign alliance, setting the stage for understanding modern alliances, controlled opposition, and the deeper forces shaping today's global realignment.

Joseph Nguyen discusses the hidden relationship between thinking and suffering—and offers a powerful framework for achieving peace of mind. — YOU'LL LEARN — 1) How to spot and stop negative judgments 2) How to PAUSE overthinking 3) How to beat procrastination with SPA Subscribe or visit AwesomeAtYourJob.com/ep1045 for clickable versions of the links below. — ABOUT JOSEPH — Joseph Nguyen is the author of the #1 international bestselling book, Don't Believe Everything You Think, which has been translated into 40+ languages. He is a writer who helps others realize who they truly are beyond their own thinking and conditioning to live an abundant life free from psychological and emotional suffering. When he's not busy petting his three cats that he's allergic to, he spends the rest of his time writing, teaching, speaking, and sharing timeless wisdom to help people discover their own divinity from within and how they are the answer they've been looking for their entire lives.• Book: Don't Believe Everything You Think: Why Your Thinking Is The Beginning & End Of Suffering (Beyond Suffering) • Website: JosephNguyen.org • YouTube: @itsjosephnguyen — RESOURCES MENTIONED IN THE SHOW — • Study: "A Wandering Mind is an Unhappy One" by Matthew A. Killingsworth and Daniel T. Gilbert • Book: Outwitting the Devil: The Secret to Freedom and Success by Napoleon Hill • Past episode: 429: A Navy SEAL's Surprising Key to Building Unstoppable Teams: Caring • Past episode: 1037: A Better Approach to Chasing Goals: Tiny Experiments with Anne-Laure Le Cunff— THANK YOU SPONSORS! — • Vanguard. Give your clients consistent results year in and year out with vanguard.com/AUDIO• Quince. Get free shipping and 365-day returns on your order with Quince.com/Awesome• Taelor. Visit Visit taelor.style and get 10% off gift cards with the code PODCASTGIFT• Cashflow Podcasting. Explore launching (or outsourcing) your podcast with a free 10-minute call with Pete.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

If you're nearing retirement and uneasy about the math, you're not alone. Don and Tom tackle the uncomfortable reality that most near-retirees haven't actually run the numbers—and many won't like what they see when they do. Drawing on Vanguard data and real-world client experience, they break down three practical ways to shrink a retirement gap: working longer (but not necessarily full-time), thoughtfully tapping home equity, and spending less before and during retirement. 0:06 Opening and the retirement gap problem 0:52 Podcast platforms, Apple vs Spotify, and Don's short-story empire 4:08 How TRM ranks among investing podcasts and why that still feels surreal 5:24 Vanguard data: only 40% of near-retirees are on track 6:51 Kids, money, and why retirement math gets uncomfortable fast 7:51 Strategy #1: Working longer (and why part-time can be powerful) 9:41 Purpose, boredom, and the underrated psychology of retirement 10:00 Strategy #2: Home equity as a retirement resource 11:12 Downsizing, renting, HELOCs, and reverse mortgage trade-offs 13:05 Strategy #3: Spending less—before and during retirement 14:29 Reverse mortgage costs, limits, and real-world implications 17:01 Social Security timing and when immediate annuities actually help 18:40 Inflation risk, fixed income streams, and practical trade-offs 19:02 Listener Q: AVGE vs DFAW and understanding underlying holdings 21:48 Listener Q: Aggressive Roth portfolios intended for heirs 25:30 Listener Q: Washington 529 plans and GET vs traditional 529s 27:32 Listener Q: Quantum computing (short answer: no) 28:59 Sector investing, AI hype, and why diversification wins Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Crazy Wisdom, Stewart Alsop sits down with Javier Villar for a wide-ranging conversation on Argentina, Spain's political drift, fiat money, the psychology of crowds, Dr. Hawkins' levels of consciousness, the role of elites and intelligence agencies, spiritual warfare, and whether modern technology accelerates human freedom or deepens control. Javier speaks candidly about symbolism, the erosion of sovereignty, the pandemic as a global turning point, and how spiritual frameworks help make sense of political theater.Check out this GPT we trained on the conversationTimestamps00:00 Stewart and Javier compare Argentina and Spain, touching on cultural similarity, Argentinization, socialism, and the slow collapse of fiat systems.05:00 They explore Brave New World conditioning, narrative control, traditional Catholics, and the psychology of obedience in the pandemic.10:00 Discussion shifts to Milei, political theater, BlackRock, Vanguard, mega-corporations, and the illusion of national sovereignty under a single world system.15:00 Stewart and Javier examine China, communism, spiritual structures, karmic cycles, Kali Yuga, and the idea of governments at war with their own people.20:00 They move into Revelations, Hawkins, calibrations, conspiracy labels, satanic vs luciferic energy, and elites using prophecy as a script.25:00 Conversation deepens into ego vs Satan, entrapment networks, Epstein Island, Crowley, Masonic symbolism, and spiritual corruption.30:00 They question secularism, the state as religion, technology, AI, surveillance, freedom of currency, and the creative potential suppressed by government.35:00 Ending with Bitcoin, stablecoins, network-state ideas, U.S. power, Argentina's contradictions, and whether optimism is still warranted.Key InsightsArgentina and Spain mirror each other's decline. Javier argues that despite surface differences, both countries share cultural instincts that make them vulnerable to the same political traps—particularly the expansion of the welfare state, the erosion of sovereignty, and what he calls the “Argentinization” of Spain. This framing turns the episode into a study of how nations repeat each other's mistakes.Fiat systems create a controlled collapse rather than a dramatic one. Instead of Weimar-style hyperinflation, Javier claims modern monetary structures are engineered to “boil the frog,” preserving the illusion of stability while deepening dependency on the state. This slow-motion decline is portrayed as intentional rather than accidental.Political leaders are actors within a single global architecture of power. Whether discussing Milei, Trump, or European politics, Javier maintains that governments answer to mega-corporations and intelligence networks, not citizens. National politics, in this view, is theater masking a unified global managerial order.Pandemic behavior revealed mass submission to narrative control. Stewart and Javier revisit 2020 as a psychological milestone, arguing that obedience to lockdowns and mandates exposed a widespread inability to question authority. For Javier, this moment clarified who can perceive truth and who collapses under social pressure.Hawkins' map of consciousness shapes their interpretation of good and evil. They use the 200 threshold to distinguish animal from angelic behavior, exploring whether ego itself is the “Satanic” force. Javier suggests Hawkins avoided explicit talk of Satan because most people cannot face metaphysical truth without defensiveness.Elites rely on symbolic power, secrecy, and coercion. References to Epstein Island, Masonic symbolism, and intelligence-agency entrapment support Javier's view that modern control systems operate through sexual blackmail, ritual imagery, and hidden hierarchies rather than democratic mechanisms.Technology's promise is strangled by state power. While Stewart sees potential in AI, crypto, and network-state ideas, Javier insists innovation is meaningless without freedom of currency, association, and exchange. Technology is neutral, he argues, but becomes a tool of surveillance and control when monopolized by governments.

In this episode we answer emails from Anonymous from New Jersey, James, and Brad.  We answer a donor's six-part retirement plan, from mortgages and liquidity to 403(b) constraints, ETF trading, asset location, asset swaps, and tax‑savvy withdrawals. Then we discuss the risks of staying in an accumulation portfolio for too long and the options for obviating a crash before transitioning. And THEN we our go through our weekly portfolio reviews of the eight sample portfolios you can find at Portfolios | Risk Parity Radio.Additional Links:Father McKenna Center Donation Page:  Donate - Father McKenna CenterHow To Do An Asset Swap Video from Risk Parity Chronicles:  How to Do an Asset SwapTax Planning Book:  Amazon.com: Tax Planning To and Through Early Retirement: 9798999841599: Garrett, Cody, Mullaney, Sean: BooksBreathless AI-Bot Summary:Ever wonder whether paying down a mortgage before retirement is actually the safest move? We make the counterintuitive case for liquidity first: keep cash flexible during the messy early retirement years, when housing changes, college timelines, and new expenses collide. With a real listener case study, we show how a mortgage can be a tool, not a trap—and why you can always accelerate later once the dust settles.From there we dig into a pain point for many educators and nonprofit pros: weak 403(b) lineups. We break down why insurance-driven menus lag, how to advocate for better providers and funds, and when it makes sense to roll to an IRA for full control. You'll also learn how to keep tracking simple, why monthly check‑ins beat daily dashboards, and how consolidating at a service‑oriented custodian streamlines everything. On execution, we explain why ETFs beat mutual funds for rebalancing speed and precision, plus how to convert Vanguard mutual funds to ETFs without tax surprises.Taxes and withdrawals get the spotlight too. We clarify asset location—shelter ordinary income, let capital appreciation work in brokerage and Roth—and outline “asset swaps” that let you sell what's up while managing tax impact. For those still accumulating, we talk strategy for a smoother glide into a risk parity portfolio to reduce sequence risk, and the trade-offs between earlier protection and maximum growth. We wrap with a market scoreboard across stocks, bonds, gold, REITs, commodities, preferreds, and managed futures, and report on sample portfolios including Golden Butterfly, Golden Ratio, Ultimate, and leveraged variants.If you value actionable, no-nonsense guidance for DIY investors, you'll find ideas you can use right away—whether you're five years from retirement or still building your base. Subscribe, leave a review, and share this with a friend who's wrestling with 403(b) choices or planning a tax-smart withdrawal strategy.Support the show

In this episode of the Crypto 101 podcast, the hosts discuss various topics including market analysis, recent Fed decisions, predictions for a super cycle in 2026, and the integration of Solana with Coinbase. They also touch on Vanguard's stance on Bitcoin, Do Kwon's sentencing, and recent winners in the ICO space. The conversation highlights the bullish trends in the market, the rise of prediction markets, and the impact of NFTs and meme coins. The hosts emphasize the importance of staying informed and seizing opportunities in the ever-evolving crypto landscape.Get my #1 memecoin pick for this month http://www.cryptorevolution.com/memecoin?utm_source=Internal&utm_medium=Podcast&utm_content=Coin&utm_term=DescriptionMomentum Moneymakers Trial for $1https://www.thecryptomavericks.com/mm-vip-trial-pod?utm_content=MMTrial&utm_medium=Podcast&utm_source=Internal&utm_term=DescriptionRegister For My Live Crypto ForecastCheck out TruDiagnostic and use my code CRYPTO101 for a great deal: https://www.trudiagnostic.comCheck out Quince: https://quince.com/CRYPTO101Get immediate access to my entire crypto portfolio for just $1.00 today! Get your FREE copy of "Crypto Revolution" and start making big profits from buying, selling,Brendan Technical Analysis Course https://www.cryptorevolution.com/mbr-notification?utm_source=Internal&utm_medium=YouTube&utm_content=Rundown&utm_term=20250905Get immediate access to my entire crypto portfolio.. just $1.00 today! Go here to get access: https://www.crypto101insider.com/cryptnation-directm6pypcy1?utm_source=Internal&utm_medium=YouTube&utm_content=Podcast&utm_term=20250916Get your FREE copy of "Crypto Revolution: Your Guide To The Future of Money". In this book, I reveal how to make (and keep) a fortune during this crypto bull run! http://www.cryptorevolution.com/free?utm_source=Internal&utm_medium=YouTube&utm_content=Podcast&utm_term=20250916Chapters00:00 Introduction to Crypto 101 Podcast01:43 Market Overview and Fed Decisions05:44 Liquidity and Its Impact on Crypto09:03 Super Cycle vs. Four-Year Cycle10:51 Institutional Involvement in Crypto14:44 Coinbase and Solana Integration18:44 Vanguard's Stance on Bitcoin20:40 Do Kwon's Sentencing and Its Implications23:26 Momentum Moneymakers Segment25:41 Launch Insights: Humidify and Market Dynamics29:09 Upcoming ICOs: Trends and Predictions32:15 The Rise of ICOs: Opportunities and Risks34:25 Rekt: From Meme to Mainstream40:38 Beeple's Impact on Digital Art43:12 Trump's NFT Game: A New Frontier48:30 Prediction Markets: The Future of BettingMERCH STOREhttps://cryptorevolutionmerch.com/Subscribe to YouTube for Exclusive Content:https://www.youtube.com/@crypto101podcast?sub_confirmation=1Follow us on social media for leading-edge crypto updates and trade alerts:https://twitter.com/Crypto101Podhttps://instagram.com/crypto_101*This is NOT financial, tax, or legal advice*Boardwalk Flock LLC. All Rights Reserved  ▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬Fog by DIZARO https://soundcloud.com/dizarofrCreative Commons — Attribution-NoDerivs 3.0 Unported — CC BY-ND 3.0 Free Download / Stream: http://bit.ly/Fog-DIZAROMusic promoted by Audio Library https://youtu.be/lAfbjt_rmE8▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬Our Sponsors:* Check out Plus500: https://plus500.com* Check out Plus500: https://plus500.com* Check out Quince: https://quince.com/CRYPTO101* Check out TruDiagnostic and use my code CRYPTO101 for a great deal: https://www.trudiagnostic.comAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Vanguard raises admin fees on 403(b) plans (again). CIT 403(b) legislation is back in the news. Equitable hits dubious milestone. New financial term.   April 2025 Admin Fee Increase Et tu, Vanguard pod? Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®).

The boys, back in town, discuss what they have been listening to. Their list includes four rock and roll hall of famers, three recently departed legends, two underground rap heavyweights, and a partridge in a pear tree. Jay's wing gets clipped as Deon's sampling gets a little out of hand. Get into it.Sonic contributors to the 28th BONUS episode of Lightnin' Licks Radio podcast include: A wealth of treasures from the KPM Archives; the prompt was "50's lounge." Dave Matthews Band, DJ Nu Mark, Jurassic 5, Brothers Johnson. Zach Braff & Natilie Portman. Ice Cube, One Eye. Sleepy Don POSPOTUS, Darling Jula from @soundwavesoffwax. E Street Band. Bruce Springsteen, The Boss-type beats, Bob Dylan, Timothy Chalamet, Paul Walter Houser, Jeremy Allen White, Bon Iver, Cowboy Junkies, Matt "DJ SNAKES" Heller, Pavement. Stephen Malkmus, Lottie's, Talking Heads, R.E.M., Warren Zevon, John Hammond, Endless Scroll podcast, Dua Lipa, Tame Impala, The Beatles, Lil' Yachty, Marvin Gaye, J.J. Fad. Black Circle Radio, Arc of All, The Source of Light and Power, Open Mike Eagle's 'What Had Happened Was' podcast, Chris Rock, Height Keech, Paul Edward Huston, Handsome Boy Modeling School, Dr. Octagon, Dan the Automater, Chris Elliot, Right Said Fred, Beastie Boys, Bee Gees, Kardinall Offshall, Sly Boogy, TikTokker @cgleason22, Dave James, D'Angelo, Questlove, Questlove's recent eulogy of D'Angelo, Prince, The Roots, Dr. Dre & Snoop Doggy Dogg. The Vanguard, DJ Premier, Q Tip. Brian Baumgartner, Blindboy Boatclub, Iggy Pop. Kiss, Ace Frehley, Dick Dale, Phill Most Chill, RUN DMC, Soft Cell, Pet Shop Boys, Human League, Jimi Hendrix, Frank Sinatra, Jimmy Van Heusen & Sammy Cahn, Bobby Darin. And lastly, but certainly not leastly, the lovely sisters HAIM. Our super-secret-special-sonic friends whom we may or may not have even ever met include Miranda Reinert, Mitch Anderson, Open Mike Eagle, and Prince P-p-p-paul.Sonic suggestions, what we have been funkiing with: Deon – Cowboy Junkies by way of Bruce Springsteen, Lottie's, D'Angelo, and Phill Most ChIll. Jay – New old R.E.M., Warren Zevon, Ace Frehley, and Soft Cell. Miranda – Tame Impala (w HAIM).Mitch – Sweetwater, not the 90's grunge act but the 60's psychedelic folk oufit.Mike and Paul – Doctor Octagon by way of Handsome Boy Modeling School.HEAR the full uncut mixtape HERE.(1) Sweetwater - In a Rainbow (2) Phill Most Chill - I'm (3) Warren Zevon - The Worrier King (4) Ace Frehley - What's on Your Mind? (5) Lottie's - The Cut.(1) Cowboy Junkies - My Father's House [outtake] (2) D'Angelo and the Vanguard - Another Life (3) Tame Impala and HAIM - 'Cause I'm a Man [Deon's Half&Half remix] (4) R.E.M. - Radio Free Europe [Jacknife Lee remix] (5) Dr. Octagon - Blue Flowers [Prince Paul's It's so Beautiful remix] (6) Soft Cell -Where the Heart is,MERRY CHRISTMAS and HAPPY HOLIDAYS!

The following outlines the introduction of a new subsea human habitat called Vanguard, designed by the engineering organization DEEP, which is set to revolutionize marine biology and the human relationship with the ocean. This habitat allows aquanauts to live at depth under ocean pressure for weeks or months, thereby eliminating the significant time constraints associated with traditional diving and enabling extended research missions. Key figures, including DEEP's Director of Scientific Research, Dawn Kernagis, and others in the marine conservation field, express excitement about the opportunity to conduct long-duration studies on subjects like coral restoration and observe the ocean's natural processes from within. Additionally, the habitat provides a unique environment for studying the hyperbaric effects of pressure on the human body, acting as an analogue for space travel and providing insights into the psychological dynamics of isolation in a high-risk environment.Original article : https://www.newscientist.com/article/2507031-how-aquanauts-will-change-our-view-of-the-ocean/#VanguardHabitat #DEEPVanguard #SubseaHabitat #UnderwaterHabitat #OceanInnovation #HumanAtDepth #SentinelsOfTheDeep #MarineBiology#CoralRestoration #LongDurationDiving #SaturationDiving #HyperbaricResearch #OceanScience #AquanautLife #DeepSeaResearchhttp://atlantisseacolony.com/https://www.patreon.com/atlantisseacolonyhttps://discord.gg/jp5aSSkfNS

Adam Galinsky reveals the core skills anyone can master for more inspiring leadership. — YOU'LL LEARN — 1) The easiest way to uplift the people around you 2) The 15-minute exercise that makes you visionary 3) The quick trick to feeling more confident and powerful Subscribe or visit AwesomeAtYourJob.com/ep1020 for clickable versions of the links below. — ABOUT ADAM — Adam Galinsky is a celebrated social psychologist at Columbia Business School known for his research on leadership, decision-making, teams and ethics. His scientific research—consisting of over 1000 studies published in over 200 scientific articles—has been cited more than 64,000 times. In Galinsky's latest book, Inspire, he weaves together his decades of research and global consulting experience to reveal the science of how to become more inspiring. His TED Talk, “How to Speak Up For Yourself,” has been viewed more than 7.5 million times and his book Friend and Foe, was an audible and eBook bestseller. • Book: Inspire: The Universal Path for Leading Yourself and Others • Study: “The Vicious Cycle of Status Insecurity” • Website: AdamGalinsky.com — RESOURCES MENTIONED IN THE SHOW — • Study: “Considerations of Some Problems of Comprehension” by John D. Bransford and Marcia K. Johnson • Past episode: 279: How to Feel More Alive at Work with Dan Cable — THANK YOU SPONSORS! — • Vanguard. Give your clients consistent results year in and year out with vanguard.com/AUDIO• Quince. Get free shipping and 365-day returns on your order with Quince.com/Awesome• Taelor. Visit Visit taelor.style and get 10% off gift cards with the code PODCASTGIFT• Cashflow Podcasting. Explore launching (or outsourcing) your podcast with a free 10-minute call with Pete.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

This week we take a stab at predicting The Game Awards, both with winners but also reveals and announcements, with our big bet being Half-Life 3. Katsuhiro Harada announces his  departure from Bandai Namco at the end of 2025. Marvel Rivals shows off Rogue as the newest X-Man character and as a Vanguard that can steal her opponent's moves. Lastly, Netflix didn't consider Warner Bros. Games at all in its offering for the parent company, WB. #tga #thegameawards #halflife3 #tekken #marvelrivals #rogue #netflix #warnerbros #videogames #allyoucangeek #aycg #podcast

The crypto sector has celebrated a lot of policy wins in 2025, but price wise, it has arguably been a year to forget. In this episode of Unchained, Bitwise Head of Research Ryan Rasmussen and Arca Portfolio Manager David Nage join host Laura Shin to discuss the disappointing crypto markets and why their outlook on 2026 is more positive. They also explained why Vanguard's crypto pivot is a huge deal, questioned whether Bitcoin could ever be unseated by privacy coins, and discussed why they don't see the bubble in the DAT market hurting crypto. Need liquidity without selling your crypto? Take out a Figure Crypto-Backed Loan, allowing you to borrow against your BTC, ETH, or SOL with 12-month terms and no prepayment penalties. They have the lowest rates in the industry at 8.91%, allowing you to access instant cash or buy more Bitcoin without triggering a tax event.  Thank you to our sponsor, Figure! Unlock your crypto's potential today at Figure!  Guests: Ryan Rasmussen, Head of Research at Bitwise David Nage, Portfolio Manager at Arca Previous appearance on Unchained: The LayerZero-Wormhole Contest Shows How to Value a Crypto Business Links: Unchained: Bitcoin Resets Above $90,000, but Can Bulls Keep the Momentum? Bits + Bips: Vanguard's Crypto U-Turn, Tether/MSTR FUD & Picking Future Winners Bits + Bips: Why the Markets Now Have a Bullish Setup Franklin Templeton Rolls Out First Tokenized Fund in Hong Kong Why Every Company Will Have a Stablecoin — and Why One L2 Isn't Enough Grayscale Files to List Zcash ETF What Ethereum Will Look Like When It Implements Its New Privacy Focus Other relevant links: Bank of America Broadens Access to Crypto Funds SEC's Paul Atkins touts 'tokenization' as key to modernizing US markets Larry Fink and Rob Goldstein on how tokenization could transform finance My Highest-Conviction Bet in Crypto Stablecoin payments on Stripe cost 1.5% of the transaction amount. Credit card fees are as high as 3.5%. Less than half of the cost! Bitcoin's “Facebook Moment”  Timestamps:

Don and Tom take a sharp look at Vanguard's surprising new direction, especially the decision to fold annuities into 401(k) target-date funds through lightly regulated collective trusts. They contrast Vanguard's historical simplicity with today's trend toward complexity, comparing costs, structure, and risk across major providers. Listeners call in with questions about Roth conversions, Schwab target-date funds, entering the market after a forced delay, and whether TIPS or buffered ETFs are worth owning. Throughout, Don and Tom hammer home the fundamentals: low costs matter, complexity harms investors, active management rarely pays, and your stock/bond mix—not gimmicks—drives long-term success. 0:04 Opening and setup: Vanguard's recent drift toward complex products 1:03 Vanguard's dominance in target-date funds and why simplicity used to be the point 1:58 Vanguard adding annuities into 401(k) target-date funds — is this helping anyone? 3:11 What does an annuity inside a target-date fund even mean? 4:03 The 25% annuity allocation example and the misleading “8% payout” illusion 5:03 TIAA's role and why annuity costs remain unclear 6:28 Are annuities inside retirement plans a solution in search of a problem? 7:38 The fine print: Vanguard's new collective trusts and weak disclosure requirements 8:20 Why collective investment trusts are lightly regulated and potentially concerning 9:07 Caller: Roth conversions when you're withdrawing to live on — should you stop? 11:32 When Roth conversions lose their benefit and why you need cash for taxes 12:21 Caller: Are Schwab target-date funds worth it in a Roth? (Short answer: No.) 13:31 Why Schwab's higher fees and low international allocation are a problem 14:52 Active management inside target-date funds — unnecessary and risky 16:12 Risk vs. return: Schwab's higher volatility and lower historical performance 16:41 Caller: Missed market gains while transferring funds — how to get back in 18:49 When market discomfort signals a stock/bond misalignment 20:16 Comparing Schwab vs. Vanguard target-date funds over 15 years 21:37 Why lower cost + lower volatility + better return makes Vanguard the clear win 22:02 Should you fear future gimmicks like private credit inside target-date funds? 23:29 Caller PSA: Realizing capital gains in a low-income year 24:06 ETF explosion — 908 new ETFs this year, most using leverage or derivatives 25:29 Why “ETF” doesn't mean good; junk ETFs equal junk mutual funds 26:05 Structural benefits of ETFs and why the market prefers them 27:29 Soccer vs. NFL detour, then back to phone calls 29:07 Listener question from Colorado: Should you buy a TIPS fund? 31:01 Why TIPS rarely add value in diversified portfolios 33:22 TIPS behave more like inflation bets than true inflation protection 34:34 Why simple, short/intermediate, high-quality bonds—and CDs—often do the job 36:17 Caller: What is a buffered ETF, and why does it sound like an annuity? 37:29 Buffered ETFs explained: expensive, complicated, and unnecessary 38:30 Why gimmicks dominate product launches and how they hurt investors Learn more about your ad choices. Visit megaphone.fm/adchoices

On this episode of Simply Money presented by Allworth Financial, Bob and Brian uncover the crucial differences between financial advisors who are just going through the motions and those truly playing offense—actively helping high-net-worth clients reduce taxes, build legacy plans, and take control of their financial futures. Learn the red flags that suggest your advisor may be stuck in the past and the proactive strategies—like Roth conversions and tax-efficient income planning—that can dramatically improve your long-term outcomes. Plus, find out what Vanguard is doing that could make your 401(k) feel more like a pension, when it makes sense to start financially helping your kids now, and how to plan your estate beyond just taxes and probate. It’s a jam-packed show for anyone who wants to stay sharp and plan smarter.See omnystudio.com/listener for privacy information.

As disruption accelerates and AI becomes indispensable, CIOs and technology leaders face a critical question: How do you harness innovation without losing control? In this episode of Gartner ThinkCast, Gartner experts Gene Alvarez and Tori Paulman walk through the Top Strategic Technology Trends for 2026, as debuted at Gartner IT Symposium/Xpo. They explore why the pace of change is faster than ever, and how three new "innovation superheroes" — the Architect, the Synthesist, and the Vanguard — can help organizations build resilience, orchestrate intelligent systems and safeguard digital trust.   Tune in to discover: Why 2026 marks the end of "optional AI," and what that means for your strategy How AI-native development platforms and supercomputing will transform productivity Why multiagent systems and domain-specific language models are key to reducing complexity How physical AI bridges the digital and physical worlds Why preemptive cybersecurity and digital provenance are essential for enterprise protection   Dig deeper: Download the full Top Strategic Technology Trends for 2026 Join us at a Gartner CIO Conference near you Become a client to try out AskGartner for more trusted insights

Advisor's Alpha is Wrong!Vanguard, the King of NO fees, puts out an annual study where they attempt to quantify the value of a comprehensive financial advisor. I can attest to many of the services mentioned, but it is very difficult, if not impossible, to determine the exact % of additional value added those services can provide. In any event, I think Vanguard actually misses the mark on a few of these, particularly because of WHO you are (PFR Nation). I also believe Vanguard fails to include one of the MOST important factors when considering the value of a financial advisor. And yes, I acknowledge that I am a VERY biased source on this topic. However, you might find it surprising where I land on some of the points Vanguard makes.I hope you find it useful!Kevin Resources:Vanguard Advisor's AlphaClick this link to fill out our Retirement Readiness Questionnaire⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Or,⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ visit my website⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Connect with me here:​⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠​⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join My Company Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠This is for general education purposes only and should not be considered as tax, legal or investment advice.

In the season of giving, we're discussing making charitable contributions in 2025 and 2026. Americans are known for their generous donations to worthy causes, but understanding the best ways to give and maximize your tax benefits is key. This episode covers four effective strategies for making charitable contributions, from utilizing Qualified Charitable Distributions (QCDs) from your retirement accounts to cash donations, gifting highly appreciated stock or real estate, and using donor-advised funds. I also break down recent and upcoming tax law changes that impact your ability to itemize and deduct charitable donations, ensuring you avoid common pitfalls and make the most of your generosity. Whether you're planning a gift this year or thinking ahead, this episode is packed with actionable tips to help you give back and plan for a successful retirement.  You will want to hear this episode if you are interested in... [00:00] Charitable giving and tax benefits. [05:01] Managing qualified charitable distributions. [08:03] Charitable deductions and rules changing in 2026. [13:17] Benefits of donor-advised funds. [16:23] Charitable contributions for tax deductions. Four Smart Strategies for Charitable Giving in 2026 Charitable giving is at the heart of American generosity, with billions donated annually to causes that matter. But did you know your generosity can also be a powerful tool in your tax strategy, especially as rules shift for 2026?  1. Qualified Charitable Distributions (QCDs): Tax Breaks from Your Retirement Account If you're 73 or older and taking required minimum distributions (RMDs) from a traditional IRA, a Qualified Charitable Distribution (QCD) can be a game-changer. Instead of taking your full RMD as income (which is taxable), you can direct some, or all, of it straight to a qualified 501(c)(3) charity. This distributed amount is excluded from your taxable income, potentially lowering your tax bill and even your Medicare premiums. But details matter: The money must transfer directly from your IRA to the charity. You can't touch the funds yourself and then donate. The charity must be a registered 501(c)(3). When you receive your year-end 1099-R tax form, it won't indicate how much was a QCD. You (or your accountant) must reduce your taxable income by the QCD amount and annotate "QCD" on your return. Forgetting to do so can result in unnecessary taxes. By leveraging QCDs, retirees not only support their favorite causes but also make the most of their hard-earned savings. 2. Cash Donations: Navigating Itemizing and New Deduction Thresholds Traditional cash donations are an easy way to support charities and reduce taxes, but the benefits depend on your ability to itemize deductions. Until recently, many households in high-tax states struggled to itemize due to the $10,000 state and local tax (SALT) deduction cap. Big change for 2026 - 2029: The SALT cap jumps to $40,000, making itemizing possible for more people. If your itemized deductions, including mortgage interest, medical expenses, property taxes, and charitable gifts, exceed the standard deduction, your donations can reduce your taxable income. In 2026, a $1,000 per individual (or $2,000 per couple) charitable deduction will be available even if you don't itemize. However, your charitable giving must exceed 1.5% of your adjusted gross income to become deductible, creating a new bar to qualify. Careful timing and documentation of donations can help maximize these new opportunities. 3. Donating Appreciated Assets: Stocks and Real Estate If you're sitting on highly appreciated stocks or real estate, donating them directly to charity can deliver a double tax benefit: You avoid paying capital gains tax on the asset's increase in value, and you can also deduct the current market value of your donation (subject to certain AGI limits: 30% for appreciated assets). To qualify: The asset must have been held for at least one year. For real estate valued above $5,000, an independent appraisal is required. Charities get the full value, and you skip the capital gains tax bill. If your donation exceeds the allowed AGI percent, you can carry the excess deduction forward up to five years. 4. Donor Advised Funds: Flexible Giving, Immediate Deductions A Donor Advised Fund (DAF) is a charitable investment account. You can donate cash, stocks, or other assets now and get an immediate tax deduction, but distribute the funds to your chosen charities later, at your own pace. Why use a DAF? It allows for strategic, larger contributions (helpful in years with unusually high income). You enjoy flexibility in choosing and timing your ultimate beneficiaries. Major brokerages like Fidelity, Schwab, and Vanguard offer DAFs, with differing minimum contributions and low-cost investment options. Keep in mind that there are administrative fees (roughly 0.60% on the first $500,000), but DAFs are simpler and less costly than setting up a private foundation. Smart Giving Starts with Smart Planning As 2026 approaches, take time to review your charitable and tax strategy. Whether using QCDs, cash gifts, appreciated assets, or a donor-advised fund, the tax code changes mean new opportunities, and some fresh requirements. Consult a financial advisor to fit these options to your personal circumstances and maximize the impact of your generosity for both your favorite causes and your family's financial wellbeing. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  Fidelity Schwab  Vanguard Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan

An incident at a Cinnabon dominated social media over the weekend, and a woman was fired for calling someone a naughty word. Santa won't be happy. The Trump administration suggested a new rule to limit asset management funds, like Black Rock and Vanguard. Then he said "affordability" is a con-job. So, let's do a good Trump, bad Trump. Pope Leo is out there saying that anti-Islamic rhetoric in Europe is xenophobic. The Crusades called. They want their religion back. GUEST: Josh Firestine Link to today's sources: https://www.louderwithcrowder.com/sources-december-8-2025 Let my sponsor American Financing help you regain control of your finances. Go to https://americanfinancing.net/crowder or call 800-974-6500. NMLS 182334, http://nmlsconsumeraccess.org/ DOWNLOAD THE RUMBLE APP TODAY: https://rumble.com/our-apps Join Rumble Premium to watch this show every day! http://louderwithcrowder.com/Premium Get your favorite LWC gear: https://crowdershop.com/ Bite-Sized Content: https://rumble.com/c/CrowderBits Subscribe to my podcast: https://rss.com/podcasts/louder-with-crowder/ FOLLOW ME: Website: https://louderwithcrowder.com/ Twitter: https://twitter.com/scrowder Instagram: http://www.instagram.com/louderwithcrowder Facebook: https://www.facebook.com/stevencrowderofficial Music by @Pogo

Kimberly Brown shares practical steps on how to take charge of your career and steer it with intention.— YOU'LL LEARN — 1) The framework for improving your reputation 2) How to cultivate relationships that advance your career3) How to identify and amplify the one thing that makes you stand outSubscribe or visit AwesomeAtYourJob.com/ep1116 for clickable versions of the links below. — ABOUT KIMBERLY — Kimberly Brown is a globally recognized career and leadership strategist, bestselling author, and international keynote speaker. As the founder and CEO of Brown Leadership®, a premier learning and development firm, she helps mid-career and senior professionals amplify their brands, accelerate growth, and drive performance. Her bestselling book, Next Move, Best Move: Transitioning Into a Career You'll Love, has empowered thousands to take control of their careers with strategy and confidence. She also hosts the Your Next Move Podcast, where she shares actionable insights on career advancement. A trusted expert, Kimberly's work has been featured in The Wall Street Journal, Harvard Business Review, Forbes, CNBC, NPR, and more. Find her online at kimberlybonline.com and brownleadership.com and follow her (@kimberlybonline) on LinkedIn, Facebook, Instagram, and Threads. • Book: Next Move, Best Move: Transitioning Into a Career You'll Love• Website: BrownLeadership.com• Website: KimberlyBOnline.com— RESOURCES MENTIONED IN THE SHOW — • Past episode: 686: How to Make Your Next Career Move Your Best Move with Kimberly Brown• Past episode: 1054: Maximizing Your Pipelines and Funnels of Opportunity with Kara Smith Brown• Tool: ClickUp— THANK YOU SPONSORS! — • Vanguard. Give your clients consistent results year in and year out with vanguard.com/AUDIO• Quince. Get free shipping and 365-day returns on your order with Quince.com/Awesome• Taelor. Visit Visit taelor.style and get 10% off gift cards with the code PODCASTGIFT• Cashflow Podcasting. Explore launching (or outsourcing) your podcast with a free 10-minute call with Pete.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode, Don and Tom saddle up for a tour through Schwab's “Good, Bad, and Ugly.” They applaud CEO Rick Wurster's warning about the growing overlap between gambling and investing, take a hard look at Schwab's retail-side conflicts and non-fiduciary sales practices, and then recoil at the truly ugly: Schwab's acquisition of Forge Global and its push to open private-company speculation to everyday investors. From there, they field listener questions about crypto's pointless search for a purpose, how to implement a disciplined 5 percent retirement withdrawal strategy, the ins and outs of tax-free Vanguard mutual-fund-to-ETF conversions, and whether a younger spouse should convert a large TSP balance to Roth. It's classic Talking Real Money: skeptical, practical, consumer-first, and mildly exhausted by the Wild West of modern finance. 0:04 Investing as the Wild West and why caveat emptor still defines the industry 0:24 Schwab's role as custodian vs. broker and how they reshaped trading costs 1:14 Schwab's discount-broker origins and institutional dominance 2:37 Free trades, market influence, and why Schwab became the industry's leader 3:52 CEO Rick Wurster's warning about gambling creeping into investing 4:43 Sports betting numbers, prop bets, and why only 5 percent come out ahead 5:54 The “bad”: Schwab retail selling and the fiduciary confusion 6:40 The “ugly”: Schwab buying Forge Global and pushing private-company speculation 7:23 Why private equity is riskier, pricier, illiquid, and over-hyped 8:17 The myth of private companies outperforming public ones 9:22 Why the Wild West persists: weak oversight, self-dealing, and revolving doors 10:48 Listener question: stablecoins, crypto legitimation, and the greater-fool problem 13:00 Currency concerns and why crypto still solves nothing 13:50 5 percent withdrawal strategy: when and how to draw from your portfolio 15:28 Rebalancing, total return withdrawals, and annual cash-flow discipline 16:47 Why withdrawals should follow rebalancing, not lead it 17:56 Vanguard mutual-fund-to-ETF conversions: how they work and why they're useful 20:10 Expense-ratio savings vs. capital-gains distributions 20:55 TSP-to-Roth conversion question: tax-rate timing matters 22:44 Only convert if you can pay taxes from outside savings 23:08 Reminder: free adviser meetings, no sales pressure 24:10 TRM's longevity and approaching episode 2,000 Learn more about your ad choices. Visit megaphone.fm/adchoices

In this week's episode of the Coin Stories News Block powered exclusively by Ledn, we cover these major headlines related to Bitcoin, macroeconomics, and global finance: Vanguard Ends Ban on Bitcoin ETFs Bank of America Recommends Up to 4% Bitcoin Allocation Larry Fink: "Sovereign Wealth Funds Are Buying the Dip" CFTC Greenlights Spot Trading on Regulated Exchanges Strategy Creates USD Reserve ---- The News Block is powered exclusively by Ledn – the global leader in Bitcoin-backed loans, issuing over $9 billion in loans since 2018, and they were the first to offer proof of reserves. With Ledn, you get custody loans, no credit checks, no monthly payments, and more. My followers get .25% off their first loan. Learn more at www.ledn.io/natalie  ---- Order my new intro to Bitcoin book "Bitcoin is For Everyone": https://amzn.to/3WzFzfU  ---- Read every story in the News Block with visuals and charts! Join our mailing list and subscribe to our free Bitcoin newsletter: https://thenewsblock.substack.com  ---- References mentioned in the episode: Former Vanguard CEO's Bitcoin Comments Vanguard's Current View on Bitcoin Vanguard Will Allow Bitcoin ETFs on its Platform Bank of America Gives Greenlight to Advisors Larry Fink's Comments on Personal Bitcoin Views  Larry Fink's Comments on Sovereign Funds Fink: Sovereign Wealth Funds Have Been Buyers  Bank of America Expands Crypto Access to Clients Fidelity CEO Abigail Johnson's Comments on Bitcoin  CFTC Allows Spot Trading on Regulated Exchanges NVIDIA CEO Jensen Huang Talks Bitcoin  ProCap Financial Closes Transaction Twenty One Capital Closes Transaction Strategy Creates a $1.4B USD Reserve ---- Upcoming Events: Join us at Strategy World 2026 in Las Vegas, Nevada this February 23-26. Use code HODL for discounted passes: https://www.strategysoftware.com/world26  Bitcoin 2026 will be here before you know it. Get 10% off Early Bird passes using the code HODL: https://tickets.b.tc/event/bitcoin-2026?promoCodeTask=apply&promoCodeInput=  ---- This podcast is for educational purposes and should not be construed as official investment advice. ---- VALUE FOR VALUE — SUPPORT NATALIE'S SHOWS Strike ID https://strike.me/coinstoriesnat/ Cash App $CoinStories #money #Bitcoin #investing

The macro landscape is shifting fast: the Federal Reserve has officially ended quantitative tightening after draining trillions from global liquidity, then immediately pumped $13.5 billion into markets through an overnight repo — a clear sign of mounting stress. Meanwhile, Bitcoin is reacting sharply as analysts warn that Saylor's leveraged playbook may be backfiring, even as crypto fund inflows rise across Bitcoin, XRP, and Chainlink. Tether faces renewed balance-sheet controversy, and Vanguard , long opposed to crypto is now allowing Bitcoin ETFs on its platform for the first time.

This Friday 5 runs through a week defined by Larry Fink's renewed tokenization push, MicroStrategy's move to eliminate default risk, major wealth platforms finally opening their doors to Bitcoin, and a macro backdrop where liquidity interventions are starting to matter again. It all culminates in a price week that didn't resolve the bear case but made the conversation far more interesting, with volatility returning even if direction hasn't. Headlines include: BlackRock's policy-facing tokenization thesis, MicroStrategy's $1.4B buffer, Vanguard and Bank of America shifting access, and the Fed's early signals on easing.

Niels and Alan explore how a fragile macro regime reshapes systematic investing, from a politicised Fed succession to widening cracks in a debt-laden, equity-dependent economy. A shifting bond landscape, rising capital demands from AI and renewed tariff risks challenge the old 60/40 orthodoxy. Listener questions on US policy shocks and the Yen carry trade open a deeper look at when trend helps and when it hurts. The episode culminates in a world exclusive of SocGen's 2026 index changes and the first public reveal of Alan's new paper: The Regime-Adaptive Portfolio, for genuinely resilient, opportunity-aware global wealth compounding intelligently, prudently over the decade ahead.-----50 YEARS OF TREND FOLLOWING BOOK AND BEHIND-THE-SCENES VIDEO FOR ACCREDITED INVESTORS - CLICK HERE-----Follow Niels on Twitter, LinkedIn, YouTube or via the TTU website.IT's TRUE ? – most CIO's read 50+ books each year – get your FREE copy of the Ultimate Guide to the Best Investment Books ever written here.And you can get a free copy of my latest book “Ten Reasons to Add Trend Following to Your Portfolio” here.Learn more about the Trend Barometer here.Send your questions to info@toptradersunplugged.comAnd please share this episode with a like-minded friend and leave an honest Rating & Review on iTunes or Spotify so more people can discover the podcast.Follow Alan on Twitter.Episode TimeStamps:00:00 - Voiceover and introduction to the Systematic Investor Series00:23 - Niels and Alan open, what is on their radar this week01:27 - Fed succession as a political risk factor and betting markets03:33 - Crypto moves, Vanguard's platform shift and MicroStrategy index pressure05:53 - Listener questions: can constant US policy shocks break trend?06:33 - Trouble for trend or just another regime to endure and adapt to08:55 - Short-term CTAs, Liberation Day and when speed becomes a handicap11:11 - How CTAs are positioned for a yen carry unwind and JGB nuances12:16 - November trend update, five straight positive months and short-term pain13:35 - World exclusive: new SocGen CTA and...

Contrast between today's macro backdrop and the 2021 Bitcoin peak, with tighter liquidity, higher rates, and far stronger structural support for BitcoinCory's base case: no classic 80% “crypto winter” drawdowns anymore and a strong chance of new all-time highs in 2026John's “yearly lows” chart framing: rising annual Bitcoin floors as proof of real accumulation and diminishing panic sellingLarry Fink, Harvard, sovereign wealth funds, and major banks (BofA, Vanguard, Schwab, Citi) as long-term Bitcoin buyers, not momentum touristsDiscussion of CFTC-approved spot Bitcoin trading on designated contract markets as another on-ramp for pensions and endowmentsBig critique of prediction markets and “scambling” (scam + gambling) as an extractive, nihilistic, fiat-era attempt to financialize everythingCory and John argue that crypto casinos, meme coins, and prediction markets are a giant gambling funnel that ultimately pushes people toward Bitcoin's seriousnessBitcoin and energy: riffing on Elon Musk and Jensen Huang's comments about Bitcoin turning stranded or excess energy into a universal monetary batteryMicroStrategy's new USD reserve is framed as a cosmetics move to soothe institutions and make their Stretch preferreds more attractive, not a change in core strategyCory pushes back on “Operation Chokepoint 2.0” de-banking narratives, distinguishing between true systemic exclusion and individual risky accounts being dropped Swan Private helps HNWI, companies, trusts, and other entities go beyond legacy finance with BItcoin. Learn more at swan.com/private. Put Bitcoin into your IRA and own your future. Check out swan.com/ira.Swan Vault makes advanced Bitcoin security simple. Learn more at swan.com/vault.

Matt and Nic are back with another week of news and deals. In this episode:  Quantum risk again Are banks filled with spooks? The trouble with Taproot addresses Microstrategy's dollar reserve Kalshi is going on chain Prediction market predicaments Are insiders monetizing Google search information on Polymarket? Are prediction markets insider trading machines by definition? DAT activist fights Vanguard adds Bitcoin ETFs House Financial Services Committee releases their final report on OCP2.0 What's going on with leverage in crypto? Are AI agents going to start stealing crypto? Is Eliezer Yudkowski to be trusted? AI is going to usher in the golden age of fraud

We will debate whether the S&P 500's historically high Shiller P/E (P/E10) ratio is justified by today's economic environment, or if the current market valuation—nearly matching the 2000 peak—signals an unsustainable bubble.Today's Stocks & Topics: Axon Enterprise, Inc. (AXON), Market Wrap, Invesco NASDAQ 100 ETF (QQQM), “Warning Signs: Is the Market P/E Ratio Justified?”, FactSet Research Systems Inc. (FDS), Abrdn Physical Silver Shares ETF (SIVR), iShares Silver Trust (SLV), Copper Supply and Demand, Grupo Aeroportuario del Centro Norte, S.A.B. de C.V. (OMAB), Brookfield Asset Management Ltd. (BAM), Rockwell Automation, Inc. (ROK), Cameco Corporation (CCJ), Modine Manufacturing Company (MOD), Vanguard and 401k.Our Sponsors:* Check out Incogni: https://incogni.com/investtalk* Check out Invest529: https://www.invest529.com* Check out NordProtect: https://nordprotect.com/investalk* Check out Progressive: https://www.progressive.com* Check out Quince: https://quince.com/INVEST* Check out TruDiagnostic and use my code INVEST for a great deal: https://www.trudiagnostic.comAdvertising Inquiries: https://redcircle.com/brands

Mark Thompson reveals the principles of readiness that he's used to help aspiring CEOs get the top job.— YOU'LL LEARN — 1) The one behavior that makes you more CEO-like 2) Why to take on your boss' problems3) The question that dramatically improves your appealSubscribe or visit AwesomeAtYourJob.com/ep1115 for clickable versions of the links below. — ABOUT MARK — Mark Thompson is a globally recognized authority on CEO succession, executive readiness, and high-stakes leadership transitions. He has led more than a hundred board-level engagements to prepare C-suite successors to step confidently into enterprise leadership. He is the founding chairman and CEO of the Chief Executive Alliance and the CEO Leadership Plan Review (LPR). Previously, he served as chief executive of the CEO Academy, a SHRM company, in partnership with Wharton and McKinsey.Earlier in his career, Thompson reported directly to founder Charles “Chuck” Schwab, serving as executive producer of Schwab.com, the first large-scale digital platform for online investing. In 2021, he was ranked by Marshall Goldsmith as the #1 CEO Coach, and in 2023 he was inducted into the Thinkers50 Coaching Legends.• Book: Admired: 21 Ways to Double Your Value• Book: CEO Ready: What You Need to Know to Earn the Job--and Keep the Job• Website: ChiefExecutiveAlliance.com— RESOURCES MENTIONED IN THE SHOW — • Study: “How Leaders Develop Collaborative Leadership for Effectiveness” by Bonita Thompson• Book: The 7 Habits of Highly Effective People: Powerful Lessons in Personal Change by Stephen Covey• Book: Contact: A Novel by Carl Sagan• Book: Creativity, Inc.: Overcoming the Unseen Forces That Stand in the Way of True Inspiration by Ed Catmull and Amy Wallace• Past episode: 273: Taking Control of your Career with Korn Ferry's Gary Burnison— THANK YOU SPONSORS! — • Vanguard. Give your clients consistent results year in and year out with vanguard.com/AUDIO• Quince. Get free shipping and 365-day returns on your order with Quince.com/Awesome• Taelor. Visit Visit taelor.style and get 10% off gift cards with the code PODCASTGIFT• Cashflow Podcasting. Explore launching (or outsourcing) your podcast with a free 10-minute call with Pete.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Today's episode looks at how the traditional financial and policy apparatus around Bitcoin and crypto is shifting from quiet hostility to reluctant accommodation, and what that means for market psychology at this stage of the drawdown. From MicroStrategy building a $1.44B cash buffer to avoid selling BTC, to Kalshi's move toward on-chain tokenization, to Congress' blistering report on Operation Chokepoint 2.0 and the about-face from Vanguard and Bank of America on Bitcoin access, the signs of a changing tide are everywhere. Enjoying this content? SUBSCRIBE to the Podcast: https://pod.link/1438693620 Watch on YouTube: https://www.youtube.com/@TheBreakdownBW Subscribe to the newsletter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://blockworks.co/newsletter/thebreakdown⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Join the discussion: https://discord.gg/VrKRrfKCz8 Follow on Twitter: NLW: https://twitter.com/nlw Breakdown: https://twitter.com/BreakdownBW

In this episode of Money Moves, Matty and Ryan break down a packed week of market-moving headlines—starting with record-shattering Black Friday sales, a bold political push to abolish income tax, and new data showing foreclosures beginning to rise across the country.They unpack the implications of $11.8 billion in online Black Friday spending, surging Buy Now Pay Later adoption, and what consumer behavior tells us about the strength—or vulnerability—of the American household heading into 2026.The conversation then pivots to Trump's increasingly vocal proposal to eliminate income tax and what that could actually look like when you follow the money. Ryan outlines where revenue would realistically come from, the role tariffs might play, and why high-income earners are unlikely to escape the taxman entirely.Finally, they dive into the early warning signs in real estate: a 20% surge in foreclosures, rising household debt, declining home values in more than half the country, and why builders and contractors are suddenly slowing down after three years of nonstop demand.From macro data to mindset, policy to portfolio strategy, this episode gives you a blunt, unfiltered look at what's really happening—and how to position yourself for what comes next.Topics Covered:Record-breaking Black Friday and weekend salesSurging Buy Now Pay Later usage among younger and higher-income consumersMarket outlook and the potential Santa Claus rallyQuantitative tightening ending and what QE/QT shifts mean for investorsRising credit card usage and cracks in the consumer debt cycleTrump's push to abolish income tax and the realistic feasibilityTariffs, flat sales tax, and alternate revenue modelsInstitutional crypto adoption and Vanguard's ETF reversalForeclosures up 20% and household debt hitting new recordsHome price declines vs. rising median sale priceContractors and builders slowing as demand shows early signs of coolingHousing affordability outlook heading into 2026AI valuations, Anthropic's IPO plans, and future Fed chair speculationEpisode Sponsored By:Discover Financial Millionaire Mindcast Shop: Buy the Rich Life Planner and Get the Wealth-Building Bundle for FREE! Visit: https://shop.millionairemindcast.com/CRE MASTERMIND: Visit myfirst50k.com and submit your application to join!FREE CRE Crash Course: Text “FREE” to 844-447-1555FREE Financial X-Ray: Text  "XRAY" to 844-447-1555

Anthony and John Pompliano break down the chaos inside today's markets — from Bitcoin's pullback to what's really happening with the ETFs. We dig into why Vanguard suddenly capitulated, how a Trump-appointed Fed chair could reshape the entire macro landscape, and why political goggles are destroying people's ability to think clearly about money. Plus, we unpack Michael and Susan Dell's massive $6.25 billion donation to jump-start investing accounts for 25 million American kids — and what it means for the next generation of wealth-building.======================Xapo Bank, the world's first fully licensed Bitcoin-enabled bank, offers military-grade security with an unmatched blend of physical and digital security, as well as pioneering regulatory oversight, so your funds are always protected. Beyond secure storage, they enable you to grow and use your Bitcoin. Earn daily interest in Bitcoin, spend with zero FX fees using a global card, and make instant payments via the Lightning Network for unrivalled access and convenience. Visit https://www.xapobank.com/pomp to join.======================Bitwise is one of the largest and fastest-growing crypto asset managers, with more than $15 billion in client assets across an expanding suite of investment solutions—including the world's largest crypto index fund—plus products spanning Bitcoin, Ethereum, DeFi, and crypto equities. In addition to managing assets, Bitwise helps investors stay informed about the fast-moving crypto market. Every week, CIO Matt Hougan breaks down what's happening in crypto in five minutes or less. Read the latest at https://experts.bitwiseinvestments.com/cio-memos. Certain Bitwise investment products may be subject to the extreme risks associated with investing in crypto assets. Visit https://bitwiseinvestments.com/disclosures to learn more.======================Timestamps: 0:00 – Intro1:29 – Bitcoin's price drop & volatility10:12 – ETF vs spot bitcoin & leverage warnings16:40 – Vanguard + institutions opening access to Bitcoin ETFs21:39 – Trump's Fed pick & Jerome Powell legacy25:56 – Political goggles: data, bias & media narratives33:45 – Doctors using ChatGPT & the future of expertise36:38 – Michael & Susan Dell's $6.25B Invest America