Podcasts about social security

Join Jim and Greg for this special Tuesday 3 Martini Lunch. Today, they each focus on three stories that slipped through the cracks of media coverage and deserve a lot more attention, both at home and abroad.First, Jim highlights just how dire the health of Social Security is, how big of a loss recipients are likely to suffer, and whether either party has any good ideas of how to deal with this. Greg hopes American voters are paying at least a little bit of attention to elections in Latin america, where in nation after nation, voters are giving socialists the boot. Will we learn the lessons they're trying to teach us.Next, Jim updates the Russia-Ukraine war, including the ominous trend of Russian drones attacking Eastern European nations beyond Ukraine. Will the Trump administration address this issue? Meanwhile, Greg praises federal prosecutors for charging members of Antifa for plotting to impede ICE in Minneapolis. But he slams local prosecutors for not pursuing charges against the anti-ICE invaders of Cities Church.Finally, Jim explains how Joe Biden's misguided promises of student loan debt forgiveness actually made life financially harder for those who took out the loans. Greg calls out the "independent" U.S. Senate candidates in Nebraska and Montana for fundraising through the left's Act Blue apparatus.  Please visit our great sponsors:IncogniTake control of your digital footprint today.  Use code 3ML at the link below and get 60% off an annual plan: https://incogni.com/3MLHomeServeFor 50% less your first year, go to https://HomeServe.com/Martini to find the plan that's right for you. Savings compared to renewal price. Void in Florida.New episodes every weekday. 

Let's talk about what happens if Social Security goes away....

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Leonard S. Graham. Social Security disability advocate, Leonard S. Graham joined Rushion McDonald on Money Making Conversations Master Class to explain how Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) really work, who qualifies, and how misconceptions prevent people—especially within the Black community—from receiving benefits they are legally entitled to. Graham has over 35 years of experience assisting clients nationwide with disability claims, appeals, and hearings. The conversation sheds light on the disability process, eligibility, the appeals system, the role of advocates vs. attorneys, and the importance of education, honesty, and persistence in navigating Social Security.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Leonard S. Graham. Social Security disability advocate, Leonard S. Graham joined Rushion McDonald on Money Making Conversations Master Class to explain how Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) really work, who qualifies, and how misconceptions prevent people—especially within the Black community—from receiving benefits they are legally entitled to. Graham has over 35 years of experience assisting clients nationwide with disability claims, appeals, and hearings. The conversation sheds light on the disability process, eligibility, the appeals system, the role of advocates vs. attorneys, and the importance of education, honesty, and persistence in navigating Social Security.

Let's talk about The GOP 5 year plan for Social security….

Five prisoners are kept awake for fifteen days in a sealed chamber — and what the researchers find when they open the door no longer wants to be set free. A blockbuster film series trails a string of real-life deaths its cast can't explain. On the back roads of Maryland, a half-goat figure waits for teenagers who wander too far. And one ordinary night in El Paso, a couple walks out of their home — dishes still in the sink, cat unfed — and is never seen again.EPISODE BLOG PAGE (includes sources): https://weirddarkness.com/russiansleepexperiment/READ or DOWNLOAD the full transcript of this episode: https://weirddarkness.tiny.us/3rr9mhjxFEATURED STORIES IN THIS EPISODE: The Russian Sleep Experiment *** The Poltergeist Film Curse *** The Goat-Man of Maryland *** The Patterson Family Disappearance *** The Legend of the LeprechaunCHAPTERS & TIME STAMPS (All Times Approximate)…00:00:00.000 = The Foreboding00:01:06.939 = Show Open00:01:55.409 = The Poltergeist Curse00:06:21.074 = The Goatman of Prince George's County00:14:07.417 = The Lore of the Leprechaun ***00:16:55.345 = Vanishing of the Pattersons00:27:39.437 = The Russian Sleep Experiment ***00:43:05.653 = Show Close*** = Begins immediately after inserted ad breakLISTEN ON PODCAST APPS: Look for this podcast on Apple Podcasts, Spotify, iHeart Radio, Amazon Music, Pandora, TuneIn Radio, and other podcast apps. Get a list of free listening apps here: https://weirddarkness.com/wdapps*No AI Voices Are Used In The Narration Of This Podcast*SOURCES and RESOURCES:“The Russian Sleep Experiment”: http://bit.ly/36mHCc9"Leprechaun: One Of The Most Famous And Powerful Creatures Of The Irish Faerie Folk" (link no longer available)“The El Paso Vanishing (What Happened To The Pattersons?)”: http://bit.ly/2JHq3cW“Maryland's Goat-Man Is Half Man, Half Goat, and Out For Blood”: http://bit.ly/2pEciVw“The Poltergeist Curse?”: http://bit.ly/36oH857(Over time links may become invalid, disappear, or have different content. I always make sure to give authors credit for the material I use whenever possible. If I somehow overlooked doing so for a story, or if a credit is incorrect, please let me know and I will rectify it in these show notes immediately. Some links included above may benefit me financially through qualifying purchases.)WeirdDarkness® is a registered trademark. Copyright ©2026, Weird Darkness.Originally aired: July 22, 2018Weird Darkness travels from a cursed Hollywood film set to a Maryland goat-monster, the cobbler-fairies of Irish legend, a vanished El Paso couple, and a blood-soaked Soviet sleep laboratory where the test subjects no longer wanted to be set free.It opens with the deaths that shadow the Poltergeist films, beginning with Heather O'Rourke, who played Carol Anne Freeling from the original 1982 release through both sequels and died at twelve in San Diego in February 1986 during surgery for a bowel obstruction later traced to a congenital intestinal flaw. Dominique Dunne, who played older sister Dana Freeling, was strangled in 1982 by John Sweeney outside her Hollywood home, and Sweeney served just three years and seven months. Julian Beck, the gaunt preacher Kane of Poltergeist II, died of stomach cancer in 1983, and Will Sampson, who played the shaman Taylor, died after a heart-lung transplant — four deaths that fed a curse legend later thickened by JoBeth Williams' claim that Steven Spielberg used real human skeletons as cheaper props and by Sampson's own ritual cleansing of the set.From there the episode crosses into Prince George's County, Maryland, where the Goatman has stalked local legend for decades. One origin story sets him at the Beltsville Agricultural Research Center, a half-man, half-goat creature born from a USDA experiment gone wrong; another makes him a herdsman driven mad after teenagers slaughtered his flock. University of Maryland folklorist Barry Pearson traces his heyday to the 1970s and the 1971 decapitation of a puppy named Ginger in Bowie, an incident the Washington Post covered and locals pinned on the creature haunting Fletchertown and Lottsford roads, while Beltsville spokesperson Kim Kaplan dryly wonders whether a goatman that old would be collecting Social Security by now.Next the show turns to Irish folklore and the leprechaun, the solitary fairy whose name traces to a Gaelic root for a small body or a shoemaker. Standing two to three feet tall in a green or red coat and buckled shoes, he works as a fairy cobbler who stitches only a single shoe and never a pair, guards a hidden pot of gold, and trades three wishes for his freedom when a human manages to catch him. He lives in cave networks reached through rabbit holes and the hollow trunks of fairy trees, and damaging one of those trees is said to draw a lifetime of bad luck.From the green hills of Ireland the episode moves to El Paso, Texas, where William and Margaret Patterson left their home at 3000 Piedmont Drive on March 5, 1957 and were never seen again, dinner dishes still in the sink and their cat Tommy left without food. The owners of Patterson Photo Supply vanished without packing a suitcase, their associate Doyle Kirkland turned up driving William's Cadillac with a thin story about a vacation, and a telegram from Dallas signed with the wrong middle initial named Kirkland as William's replacement at the store. Decades on, caretaker Reinaldo Nangre claimed he had cleaned blood from the garage and found a piece of scalp on the boat propeller before dying in a car crash, and Sheriff Leo Samaniego floated the theory that the couple were Soviet spies photographing Fort Bliss, leaving a disappearance that was declared a death in 1964 and has never been solved.The episode closes in the late 1940s, when Soviet researchers sealed five political prisoners in a chamber and kept them awake for fifteen days with an experimental gas-based stimulant, promising freedom in exchange for thirty sleepless days. Paranoia set in after five days, screaming after nine, and when the chamber was opened on the fifteenth the soldiers found four men still alive amid their own torn-out organs, having eaten their own flesh and blocked the floor drain with it, fighting any attempt to remove them and begging for the gas rather than sleep. One subject, pinned for surgery without anesthetic, wrote only the words "keep cutting," and as the last of them was shot through the heart he claimed to be the madness that lurks in every sleeping mind, choking out that he was so nearly free.

ITR Economics, which claims a 94.7% forecasting accuracy, warns the world could face a global depression beginning around 2030. Patrick Bet-David and the panel debate the risks of rising debt, aging populations, Social Security, and how investors can prepare for what's ahead.

Let's talk about how the last chance to save Social Security is the midterms….

Ralph speaks to economist Dean Baker about the hypocrisies behind the supposed Social Security shortfall and Republicans' "waste, fraud, and abuse" panic. Then, Ralph talks to journalist and ocean activist David Helvarg about his new book: Forest of the Sea: The Remarkable Life and Imperiled Future of Kelp.Dean Baker is a Senior Economist at the Center for Economic and Policy Research, where he authors “Beat the Press,” his regular commentary on economic reporting. He has written several books, including Getting Back to Full Employment: A Better Bargain for Working People, The End of Loser Liberalism: Making Markets Progressive, False Profits: Recovering from the Bubble Economy, and The Conservative Nanny State: How the Wealthy Use the Government to Stay Rich and Get Richer.People will hear big numbers. They'll hear “$300 billion” and they'll go “Oh my God, that's a lot of money. That's money out of my pocket. It's causing the government deficit,” whatever. That's because they haven't given it any context…If we could, in any conceivable world, afford to pay $500 billion to increase the military budget, surely we can afford to pay $300 billion to ensure that everyone gets their Social Security benefits. It's just a case of: put it in context. I'm not going to say it's a small number. It isn't. But it's smaller— $300 billion is smaller than $500 billion, and that's really not a disputable point.Dean BakerWhere [DOGE] had the biggest consequences is with foreign aid. [Musk] just got a big kick out of that— USAID, he just shut it down. He boasted about that. He goes, “Last weekend I fed USAID into the wood chipper.” That's almost verbatim what he said. Now, what this meant was that you have people— and you could find waste in that program just like any other program, but this is a program that provided millions of people with medicine, with nutrition, with healthcare. And suddenly they couldn't get it…And Elon Musk was boasting that he killed that program. That's great. But millions of people, I mean, thankfully, I don't think it's millions yet, but if that program doesn't get restarted or funded somewhere else, you're going to see millions of people lose their lives.Dean BakerSo we're saying we have people on Medicaid that are committing fraud? No one gets a check from Medicaid. What would that even mean? Like, you signed up for Medicaid and you weren't eligible, so that would mean that they might be making a payment to a doctor or hospital that they don't actually have to make because you didn't qualify? I'm sure that happens sometimes but it's not like someone's living high on the hog because they were able to get Medicaid to pay for their doctor's visit when it actually shouldn't have.Dean BakerDavid Helvarg is a journalist and ocean activist. He is the founder and executive director of Blue Frontier, an ocean policy and media group, and producer of Rising Tide: The Ocean Podcast. He has produced more than 40 documentaries for media outlets, including PBS and the Discovery Channel. And he has written several books, including Blue Frontier, The War Against the Greens, and Forest of the Sea: The Remarkable Life and Imperiled Future of Kelp.I've been pushing with my colleagues in journalism the idea of the “blue beat.” The only resource in the ocean not fully exploited at this point is good investigative reporting and narrative storytelling. Because people don't connect with it, a lot of people think the environment ends at the shoreline. And that's really where 95% of the living space on the planet begins.David HelvargPeople at least know that corals are in trouble and they have some sense of what a coral reef is. People don't know that the planet has this other forest crisis—that kelp forests cover an area larger than the Amazon basin, and they're also being impacted by these marine heat waves that are growing every year. And as you add more heat to the system, it gets more energetic, which is why we have more and more extreme storms. I covered Katrina in 2005. I thought that would be a turning point (we had 1,800 people killed and a million environmental refugees). But the propaganda by the oil and gas industry is such that we keep having these disasters from a warming ocean planet, we see the melting of the Arctic ice, and instead of an alarm bell, it became a dinner bell for all the shipping industries and people who want to exploit the oil and gas in the increasingly open Arctic waters. So we're in this crisis point. I'm more frustrated than despairing because we know what the solutions are. It's creating the political will to enact them.David HelvargWhen I started Blue Frontier 20 years ago, the main threats were overfishing and pollution—oil, chemical, plastic, nutrient pollution. Today, that's being overwhelmed by these marine heat waves.David HelvargNews 6/26/26* Our top story this week comes to us from New York City, where democratic socialist mayor Zohran Mamdani has pulled off a stunning hat trick, with all three candidates for Congress endorsed by the Mayor winning their primaries on Tuesday. The most surprising victory is that of Darializa Avila Chevalier, who ousted the powerful incumbent Congressman Adriano Espaillat, head of the Congressional Hispanic Caucus, in New York's 13th congressional district. This primary had turned ugly, with Espaillat's campaign seeking to weaponize anti-Haitian racism in the Dominican community against Avila Chevalier, per the Haitian Times, despite the fact that she is not in fact Haitian. Impressive in another way is the victory of UAW organizer and New York State Assemblywoman Claire Valdez in New York's 7th district. Much has been made of this race being a proxy battle between Mamdani and his onetime supporter, retiring Congresswoman Nydia Velazquez, who backed her protégé, Brooklyn Borough President Antonio Reynoso to succeed her in this seat. Reynoso enjoyed the support of a broad range of New York elected officials – including Velazquez along with New York Attorney General Letitia James, Congressman Jerrold Nadler, Public Advocate Jumaane Williams, and a broad range of unions and civil society groups, most notably the Working Families Party – but was absolutely trounced by Valdez, who won by over 20 points with the support of Mamdani and NYC-DSA. Meanwhile, in the 10th district, Brad Lander won by an even greater margin, outrunning incumbent Congressman Dan Goldman by over 30 points while running on a pro-Palestine platform in the most Jewish congressional district in America. These victories send a clear signal to the sclerotic, ossified leadership of the Democratic Party. The only question now is will they listen.* Beyond the congressional races, DSA won a remarkable number of races at the state level. According to Democratic Left, DSA will send as many as seven new legislators to Albany this cycle, for a total of “four state senators and 11 or 12 members of the state assembly.” As the magazine notes, this means that the “2027-2028 socialist bloc in Albany will be the second largest in a state legislature in U.S. history…behind 20 members in Wisconsin in 1919 and ahead of 14 members in Wisconsin in 1911.” Within New York City, DSA endorsed candidates won seven out of eight races for seats in the state legislature, per NYC-DSA. All told, it was a thunderous victory for the left in New York and raises the clout of Zohran and his compatriots to dizzying heights.* Meanwhile, in Washington DC, NOTUS reports the local DSA has exploded in membership, adding nearly 1,000 new members since this time last year. This growing bloc flexed its political muscle in the recent Democratic primaries, electing DSA members Janeese Lewis George for Mayor and Aparna Raj for the Ward 1 seat on the DC Council, as well as Oye Owolewa for an at-large seat. Axios notes that they are already eying, “two more openings — to fill Lewis George's Ward 4 seat and the at-large seat of Congress-bound Robert White.” If these votes go in DSA's favor, Lewis George could assume the mayoralty with a progressive majority of seven out of 13 members on the Council. Since her victory last Tuesday, Lewis George has emphasized her plan to lower utility costs through “expanding government solar,” and “balcony solar” for apartment tenants, optimizing efficiency at local government agencies and maximizing federal housing grants.* In Maryland, the results for DSA and progressives more generally were not quite so decisive but the left notched key victories nonetheless. DSA endorsed candidate McKayla Wilkes won her primary for the Charles County Commission and incumbent State Delegate Gabriel Acevero won reelection to his seat. Senators Dalya Attar and Nancy King, both centrist incumbents, lost to progressive challengers, per Maryland Matters. Will Jawando in Montgomery County won the County Executive position with broad support from the Maryland political establishment and progressives, while Maryland Senate Majority Leader Bill Ferguson fended off his first real challenge in years only after a last minute pledge to reverse his position on Maryland congressional redistricting. However, in the 5th congressional district, Steny Hoyer protégé and “AIPAC-backed” Adrian Boafo won the primary to succeed his mentor in Congress. According to the Jerusalem Post, “AIPAC poured $5.7 million into his campaign through its super PAC.” Former Capitol Police Officer Harry Dunn came in a distant third place, despite scoring the endorsement of Nancy Pelosi. In short, the left has more work to do in order to build a political machine in Maryland as they have in New York and DC.* The next major contest between the factions of the party will occur next week in Colorado, where Melat Kiros, a DSA-backed progressive challenger born in 1997, is taking on Congresswoman Diana DeGette, who first took office that same year, per Zeteo. According to a poll conducted on behalf of the Kiros-aligned Justice Democrats, she leads DeGette by five points and she has now won the endorsement of Senator Bernie Sanders. Senator and former Governor John Hickenlooper is also facing a progressive primary challenge from State Senator Julie Gonzales and, according to the polls, he holds but a single digit lead, the Coloradan reports. We will be watching both of these races closely.* Meanwhile in Congress, the Senate has passed a new resolution on Iran, this time directing Trump to “remove U.S. armed forces from hostilities against Iran unless explicitly authorized by Congress, other than to defend America, an ally or partner from ‘imminent attack,'” according to the Wall Street Journal. The Journal notes that while the resolution is nonbinding, it was previously passed by the House, marking “the first time both chambers of Congress have passed the same measure to curb” presidential power to wage war on the Islamic Republic. The resolution passed 50-48, with the support of Republican Senators Bill Cassidy, Susan Collins, Lisa Murkowski and Rand Paul. Senators Mitch McConnell and Dave McCormick were absent, and Senator John Fetterman again broke ranks with the Democrats to vote no.* Turning from the Senate floor to the shop floor, the United Auto Workers (UAW) concluded their 39th Constitutional Convention last week, with a momentous vote to divest the union's investments from Israel bonds. UAW's divestment decision is the latest victory in the campaign to disentangle the finances of American organized labor from the state of Israel, following the United Electrical Workers (UE) in 2015 and the American Federation of Teachers (AFT) in 2023. UAW members also heard from Abdul El-Sayed, the candidate the union has endorsed in the Michigan Senate race. This contentious campaign will not be over until August, but El-Sayed, occupying the progressive lane, has moved into the lead and appears to be consolidating his lead, winning the endorsement of Maryland Senator Chris Van Hollen just this week, per the Traverse City Record-Eagle. Van Hollen himself has recently begun hinting that he may seek higher office, recently telling NOTUS that he is “kicking the tires” on a 2028 presidential bid.* Turning to foreign affairs, this week saw the fall of British Prime Minister Keir Starmer. Starmer, a centrist who was elected Labour Party leader in 2020 following the ouster of leftist Jeremy Corbyn, has held the post of Prime Minister since 2024 when Labour won an historic landslide. Since then however, his personal approval rating and that of the party has cratered, creating space for the rise of the far-right Reform UK party. The BBC reports Starmer will remain in his post until a new leader is chosen from within the party, with the presumptive successor being MP Andy Burnham who recently beat back a challenge in his own seat by a Reform candidate by a large margin. Starmer is now set to be the shortest serving Labour PM in British history, while Burnham is set to become the UK's seventh Prime Minister in the last ten years, both indications of the precariousness of the post-Brexit British political order.* Our final two stories come to us from Latin America. First, in Bolivia, the country's union confederation has maintained a general strike against the right-wing government of Rodrigo Paz for nearly two months over his administration's initiatives to privatize government services and rescind the land reform program instituted over the last several decades of rule by the Movimiento al Socialismo (MAS). On June 19th, journalist Ollie Vargas reported that the government had blinked and signed an agreement to withdraw these plans in exchange for the unions ending the general strike. However, Vargas notes that “most affiliated unions state that they want to maintain strike until [the Paz government] resigns.”* Finally, in Colombia, the right-wing candidate Abelardo de la Espriella emerged victorious from Sunday's runoff presidential election, defeating leftist Ivan Cepeda, the handpicked successor of sitting President Gustavo Petro, by less than one percentage point. In the immediate wake of the election, President Petro “alleged that Israel interfered” in the election, citing “irregularities in the country's vote counting process and calling for a full audit and recount,” per Drop Site News. However, by Wednesday, Cepeda himself formally conceded, framing his decision to do so as “an act of democratic responsibility, to contribute to harmony, peace and dialogue among Colombians,” Al Jazeera reports. As one of his first acts, Abelardo de la Espriella has committed to reestablishing diplomatic relations with Israel, which had been severed under President Petro.This has been Francesco DeSantis, with In Case You Haven't Heard. Get full access to Ralph Nader Radio Hour at www.ralphnaderradiohour.com/subscribe

Steve Forbes warns that a bipartisan bill to "save" social security from Senators Elizabeth Warren and Bernie Moreno will ultimately clobber both the system and the economy. Learn more about your ad choices. Visit megaphone.fm/adchoices

Do you know whether your retirement plan is on track, or are you simply hoping it is? Whether retirement is years away or just around the corner, it's wise to pause and take a closer look at your plan today. A retirement checkup can help you know where you stand, identify potential gaps, and make adjustments before small issues become major problems. Many people know they should be saving, but they're less certain whether they're saving enough. That's where a thoughtful review can bring clarity—not just about the numbers, but about faithful stewardship in the season ahead. Know Your Retirement Savings Target No single rule of thumb fits everyone. Your retirement goal depends on many factors, including when you retire, how long you live, your lifestyle, your health, your generosity goals, and whether you'll have income from Social Security, a pension, rental property, or part-time work. Still, benchmarks can be helpful. As a starting point, one common guideline is to aim for about 10-12 times your income by age 67. The point isn't to become discouraged if you're behind. The point is to know where you stand. Once you have a clearer picture, you can make wise adjustments. Know Your Retirement Spending Number Your spending number may be even more important than your savings balance. A million dollars can be plenty for one household and not nearly enough for another because spending determines how much income your portfolio must produce. Start with your current budget, then consider what may change in retirement. Will your mortgage be paid off? Will travel increase? Will transportation costs go down? Will you support adult children or aging parents? Will you downsize, relocate, or stay where you are? Those questions help you see not only what retirement may cost, but also what kind of stewardship this next season may require. Have a Withdrawal Plan It's also important to think carefully about how much you'll withdraw from your savings each year. A common guideline has been the 4% rule, first developed by financial planner William Bengen. He has since updated his research, suggesting the number may be closer to 4.7% with a more diversified portfolio. Fidelity describes it more broadly as a 4%-5% sustainable withdrawal range. So, if you retire with $500,000, you might begin by withdrawing around $20,000 to $25,000 in the first year, then adjust over time. Of course, this is not a guarantee, and it does not mean you'll never touch the principal. Your actual withdrawal rate should depend on your age, health, investment mix, inflation, market conditions, and whether your essential expenses are covered by guaranteed income. The danger is assuming you can withdraw 8%, 10%, or even 12% from your portfolio every year without consequences. For most retirees, that's not a plan. It's a countdown. Prepare for Health Care Costs Medicare is a blessing, but it doesn't cover everything. Retirees may still face premiums, deductibles, co-pays, prescription costs, dental care, vision care, hearing expenses, and more. Long-term care is a separate issue altogether. Recent estimates suggest that a 65-year-old retiring today may need well over $170,000 for health care costs throughout retirement—and that does not include long-term care. For a married couple, health care becomes a major planning item. That's why it's important to prepare in advance and not assume Medicare will cover every need. Understand Social Security For many retirees, Social Security will be one of the largest sources of guaranteed income. You can claim benefits as early as age 62, but doing so can permanently reduce your monthly benefit by as much as 30%. Delaying past full retirement age until age 70 can increase your benefit by 8% for each full year you wait—up to 24% if your full retirement age is 67. Of course, delaying is not always the right answer. Health, family history, income needs, marital status, and work plans all matter. But because this is often a permanent decision, it's worth looking carefully before you claim. Review Your Investment Allocation As you approach retirement, your portfolio may need to become more conservative. But that doesn't mean moving everything to cash. Retirement may last 20 or 30 years, and inflation can quietly erode your purchasing power over time. A wise allocation should balance the need for stability with the need for continued growth. This is one area where trusted counsel can be especially helpful. A Certified Kingdom Advisor® (CKA®) can help you think through your investments, income needs, and long-term stewardship goals through a biblical lens. Retirement Is Not the End of Stewardship Finally, remember that retirement is not the end of stewardship. Psalm 92 says of the righteous, “They still bear fruit in old age; they are ever full of sap and green” (Psalm 92:14). That's a richer vision than simply withdrawing from work and responsibility. Retirement is not about drifting. It's about faithfulness in a new season. So yes, check the numbers. Know your savings target. Build a realistic spending plan. Prepare for health care. Understand Social Security. Review your investments. But also ask, “Lord, what fruit do You want to grow in this season of my life?” If you'd like help reviewing your retirement plan with an advisor who shares your biblical values, visit FindACKA.com to connect with a Certified Kingdom Advisor® (CKA®). On Today's Program, Rob Answers Listener Questions: I've worked at qualifying universities for nearly 10 years under Public Service Loan Forgiveness, but deferments and forbearances kept me from reaching 120 qualifying payments. I now qualify for the buyback program and could pay for about 15–17 missed months to reach forgiveness sooner. Should I do the buyback now or keep making regular payments until I reach 120? I have a home equity loan at 6% with a $32,000 balance and eight years left, and a car loan at 6.09% with a $35,000 balance and six years left. Which should I focus on paying off first? My job is ending soon, and I have only a small amount saved for retirement. I'm about to receive a $16,000 settlement. Given my situation, how should I use or invest that money? I've been with my local bank since 1996, but it's been bought out three times. How do I know when it's time to switch banks, and what should I look for in a new one? I'm turning 73 this August and will need to begin taking RMDs from my IRA based on the end-of-year 2025 balance. I'd like to use Qualified Charitable Distributions to reduce taxable income. When should I make the QCDs so they count toward my RMD? I'm trying to understand fixed indexed annuities. Are they a good option, and what should I consider before using one as an investment? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Christian Credit Counselors Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every weekday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Social Security is back in the headlines, with warnings about trust fund shortfalls, benefit cuts, and proposed reforms creating anxiety for retirees and pre-retirees alike. But before making emotional decisions, it's important to understand what is actually at risk, what Congress is likely to do, and how to build a retirement income plan that works regardless of future changes. Richard Rosso breaks down the latest Social Security concerns, including Larry Kotlikoff's recent warnings, the program's unfunded obligations, and the legislative proposals currently being discussed in Washington. We examine whether claiming benefits early truly protects retirees from future cuts, why delaying benefits can dramatically improve retirement income, and how coordinating Social Security with pensions, savings, annuities, and investment portfolios may help create a more reliable retirement paycheck. And we talk Rhubarb pie. We also review potential reforms, including changes to payroll tax caps, CPI calculations, customer service improvements, workforce modernization, and bipartisan efforts aimed at strengthening the long-term sustainability of the program. Most importantly, we discuss how to run multiple retirement income scenarios so that uncertainty becomes part of the plan instead of a source of fear. 0:00 INTRO 1:01 - Social Security Cannot Go Away 2:36 - Taking SS Early doesn't guarantee no benefit cuts in 2032 3:27 - Larry Kotlikoff - "Horrific News" 5:50 - Social Security's Unofficial Debt & Coming Legislation 7:57 - Don't Panic: Plan It (Coordination of Benefits) 8:51 - Potential Changes Upcoming - running the scenarios 11:46 - The Best Retirement Combination (Retirement Nirvana) 13:45 - Creating a Paycheck in Retirement - Annuity Structures within 401k's 17:14 - The Benefit of Delaying Benefits - doing the math 18:34 - How Congress Might Make up the Difference 22:40 - Maintaining Standard of Living in Retirement 23:06 - Phasing out cap on SS Payroll Taxes 24:55 - Safeguarding American Families & Expanding SS Act 25:12 - CPI-E 26:31 - SS System Employee Count 28:10 - Making tax deductions permanent 30:04 - Senior Citizens' Freedom to Work act 32:48 - SS Customer Service Act vs upgrading systems 34:02 - The Autofill Act 35:00 - The Bi-partisan Social Security Commission Act 36:09 - Narrative Busters tease Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/V4m6knHOW2o?feature=share ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Candid Coffee, "Narrative Busters: Market Stories Investors Should Approach With Caution," Saturday, July 18, 2026: https://streamyard.com/watch/RfJtCj2byfDr --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #Micron #Semiconductors #StockMarket #EarningsSeason #Investing #FederalReserve #RetirementPlanning #MarketOutlook

On this edition of Ask KT and Suze Anything, Suze answers your questions about Roth conversions, advice from financial advisors, and investing based on personal values. Plus, you won't believe how many ex-wives are entitled to one man's social security benefits and so much more. Learn more about the Ultimate Scam Protection here: SuzeOrman.com Watch Suze’s YouTube Channel Jumpstart financial wellness for your employees: https://bit.ly/SecureSave Protect your financial future with the Must Have Docs: https://bit.ly/3Vq1V3G Help with the Must Have Docs: Email:support@musthavedocuments.zendesk.com Phone: 888-510-0510 Get your savings going with Alliant Credit Union: https://bit.ly/3rg0Yio Get Suze’s special offers for podcast listeners at suzeorman.com/offer Join Suze’s Women & Money Community for FREE and ASK SUZE your questions which may just end up on the podcast. Download the app by following one of these links: CLICK HERE FOR APPLE: https://apple.co/2KcAHbH CLICK HERE FOR GOOGLE PLAY: https://bit.ly/3curfMISee omnystudio.com/listener for privacy information.

A federal judge blocks Trump's plan to create a federal voting database designed to help states purge voter rolls, finding the effort unlawful because it relied on sensitive and private information, including Social Security data, and caused erroneous voter removals. At the same time, the Supreme Court allows an Eighth Circuit ruling to stand that effectively strips private individuals and organizations of a key tool for enforcing the Voting Rights Act, leaving voters in several states soley dependent on Trump's DOJ to protect their voting rights. Dina Doll reports on the growing wave of voting rights litigation ahead of the midterms. Lola Blankets: Get 40% off your entire order at https://lolablankets.com by using code MISSTRIAL at checkout. Experience the world's #1 blanket with Lola Blankets. Visit https://meidasplus.com for more! Remember to subscribe to ALL the MeidasTouch Network Podcasts: MeidasTouch: https://www.meidastouch.com/tag/meidastouch-podcast Legal AF: https://www.meidastouch.com/tag/legal-af MissTrial: https://meidasnews.com/tag/miss-trial The PoliticsGirl Podcast: https://www.meidastouch.com/tag/the-politicsgirl-podcast Cult Conversations: The Influence Continuum with Dr. Steve Hassan: https://www.meidastouch.com/tag/the-influence-continuum-with-dr-steven-hassan The Weekend Show: https://www.meidastouch.com/tag/the-weekend-show The Ken Harbaugh Show: https://meidasnews.com/tag/the-ken-harbaugh-show Majority 54: https://www.meidastouch.com/tag/majority-54 On Democracy with FP Wellman: https://www.meidastouch.com/tag/on-democracy-with-fpwellman Uncovered: https://www.meidastouch.com/tag/maga-uncovered

Why do so many retirees struggle to spend money they've spent decades saving? Don and Tom explore the psychology behind retirement spending, including the fear of running out of money, the reluctance to touch principal, and how guaranteed income sources like Social Security, pensions, and even simple immediate annuities can make retirees more comfortable enjoying their wealth. They discuss practical strategies for creating spending confidence, the importance of comprehensive retirement planning, and why delaying meaningful experiences can be riskier than spending. The episode also answers a listener question about setting up a Roth IRA for a teenager and examines the latest uncertainty surrounding 529-to-Roth transfers.0:05 Introduction: Why retirees struggle to spend money they can afford to spend1:36 Fear of running out versus fear of missing out in retirement2:52 Why even millionaires worry about spending their savings3:51 The saver mentality and the challenge of switching to spending mode4:47 Research shows many retirees barely touch their nest eggs5:29 YOLO, aging, and the reality of declining mobility later in life6:02 Why retirees prefer spending Social Security, dividends, and interest over principal8:04 Travel, aging, and the danger of postponing experiences8:49 Creating confidence through retirement planning9:56 Using Social Security and RMDs to cover essential expenses10:12 Flexible withdrawal strategies for retirement spending11:39 Could a simple immediate annuity help retirees spend more confidently?12:42 Healthcare costs, aging, and changing spending patterns13:30 Recency bias and how it distorts retirement decisions14:48 Why lifelong savers have trouble becoming spenders16:27 Summer slowdown and a request for more listener questions17:58 Listener question: Setting up a Roth IRA for a 19-year-old daughter19:16 Evaluating Avantis ETFs and M1 Finance for a young investor19:48 Why a single-fund solution may be better for small accounts20:56 The importance of emerging markets exposure22:40 Understanding 529-to-Roth IRA transfer rules24:33 The unanswered question of beneficiary changes and the 15-year ruleQuestions? Comments? Click!

Traditional histories give President Franklin Delano Roosevelt a lot of credit for guiding the United States out of the Great Depression. But his best move may have been appointing the first woman ever to join a presidential cabinet. As Secretary of Labor, Frances Perkins won victories on public works for increased employment, 8 hour work days, minimum wage, Social Security, workplace safety standards, and no child labor. Many of her programs are still in place for Americans today. Visit the ⁠⁠⁠⁠⁠website⁠⁠⁠⁠⁠ (herhalfofhistory.com) for sources, transcripts, and pictures. Sign up for the newsletter On This Day in Women's History, available on ⁠Patreon⁠ or ⁠Substack⁠. There are free options in both places. This show survives on the support of listeners like you. Support the show on my ⁠⁠⁠⁠⁠⁠Patreon page⁠⁠⁠⁠ (https://www.patreon.com/user?u=83998235) for ad-free episodes, bonus episodes, and polls. Or make a one-time donation on ⁠⁠⁠⁠⁠⁠Buy⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠Me a Coffee⁠⁠⁠. Your support helps me keep bring the stories of past women into the present. Join ⁠⁠⁠⁠Into History⁠⁠⁠⁠ for a community of ad-free history podcasts plus bonus content. Visit ⁠⁠⁠⁠Evergreen Podcasts⁠⁠⁠⁠ to listen to more great shows. Follow me on ⁠⁠⁠⁠Threads⁠⁠⁠⁠ as Her Half of History. Learn more about your ad choices. Visit megaphone.fm/adchoices

AAF President Douglas Holtz-Eakin joins us to discuss Social Security's looming insolvency, AI's growing energy demands, and the economic outlook. AAF products mentioned in today's episode: • In “Scoring the Coming Social Security Reforms,” Holtz-Eakin discusses how to evaluate Social Security reform proposals. https://www.americanactionforum.org/daily-dish/scoring-the-coming-social-security-reforms/ • In “Productivity and the Fed,” Holtz-Eakin considers current productivity trends ahead of the May inflation data release. https://www.americanactionforum.org/daily-dish/productivity-and-the-fed/ • In the “Weekly Economic Tracker,” Holtz-Eakin breaks down this week's economic news. https://www.youtube.com/shorts/rrmHpYkeyoA • In “FERC Data Center Orders Accelerate Grid Connection,” Director of Energy and Environmental Policy Shuting Pomerleau explains how Federal Energy Regulatory Commission action may reshape the AI data center landscape. https://www.americanactionforum.org/insight/ferc-data-center-orders-accelerate-grid-connection/ Apple: podcasts.apple.com/us/podcast/the-…st/id1462191777 Spotify: open.spotify.com/show/7aWwYw3EKPmTqLQMbRGR2e

Is Social Security running out of money? Glenn lays out how Social Security was destined to fail. Glenn also discusses the election results in New York, where socialism was the biggest winner. Glenn explains how the creation of the pencil shows how capitalism is the only way a country can succeed. Glenn calls out the Wall Street Journal for a recent piece that suggested America's national men's soccer team is only good because it's filled with immigrants. Glenn reacts to positive reactions from people from other countries traveling to the World Cup who are finally seeing America for what it is, not how the media portrays it. Glenn speaks to younger generations who are fearful of what the future holds and offers advice on approaching it with optimism and hope. Author of the popular children's book series “Ordinary People Change the World,” Brad Meltzer, joins to discuss the newest book in the series, “I Am Teddy Roosevelt.” Glenn discusses the Antifa members who were sentenced after shooting an ICE agent in the neck at what the media called a "noise demo" protest. Do protesters typically bring military-style weapons? Learn more about your ad choices. Visit megaphone.fm/adchoices

Hey BillOReilly.com Premium and Concierge Members, welcome to the No Spin News for Tuesday, June 23, 2026. Stand Up for Your Country.  Talking Points Memo: Bill analyzes a new poll measuring how proud Americans are of their country. Do you approve or disapprove of the way Donald Trump is handling the economy? Bill explains what is likely to happen to Social Security finances. CEO and Editor-in-Chief of Just the News, John Solomon, breaks down the situation involving Dr. Anthony Fauci and questions about whether he lied to Congress during the pandemic. The latest on ABC's battle with the FCC and its ongoing investigation. Final Thought: Don't miss Bill's NewsNation special on the Revolutionary War, airing July 2nd. Learn more about your ad choices. Visit megaphone.fm/adchoices

Is $1.5 million enough to retire in 2026? A recent article called the outlook for a $1.5 million nest egg a "stark reality," but Brian and Bo break down the numbers, retirement income potential, Social Security benefits, safe withdrawal rates, taxes, inflation, and what really determines retirement success. If you're planning for retirement, wondering how much you need to retire comfortably, or trying to calculate your retirement number, this analysis will help you understand whether $1.5 million is enough for your unique situation. ⁠⁠⁠⁠Jump start your journey with our FREE financial resources⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Reach your goals faster with our products⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Take the relationship to the next level: become a client⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Subscribe on YouTube for early access and go beyond the podcast⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Connect with us on social media for more content⁠⁠⁠⁠⁠⁠⁠ Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life. Learn more about your ad choices. Visit megaphone.fm/adchoices

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Tonya Edmonds.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Tonya Edmonds.

Join Jim and Greg for the Wednesday 3 Martini Lunch, as they discuss big wins for socialists in New York City congressional races, some bright spots in last night's primaries, a bad bipartisan proposal to fix Social Security, and how to describe the democrats who abandoned all principles to support Graham Platner.Please visit our great sponsors:QuoMoney is on the line. Always say hello with QUO. Try QUO for FREE, PLUS get 20% off your first 6 months when you go to https://Quo.com/3ML.IncogniTake control of your digital footprint today.  Use code 3ML at the link below and get 60% off an annual plan: https://incogni.com/3MLAG1Visit https://DrinkAG1.com/3ML Get a FREE Morning Person Hat and a FREE AG1 Flavor Sampler in your Welcome Kit with your first AG1 subscription.New episodes every weekday. 

Sitting in for Thom Hartmann is guest-host Alex Lawson, Executive Director of Social Security Works, talking with Jon "Bowzer" Bauman, President of Social Security Works PAC. Why the billionaires need to pay their fair share to keep Social Security solvent and how today we are seeing grassroots effort campaigns fight against the oligarchy like never before. Also a history lesson with Liz Covart from Ben Franklin's World Podcast.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

This week Roger breaks down IRMAA Medicare surcharges and why retirees should understand them without letting them dominate retirement planning decisions. He explains how the income thresholds work, common planning mistakes to avoid, and what happens if you cross into a higher premium bracket. Listener questions cover gifting strategies with adult children, Social Security claiming options for spouses, health insurance before Medicare, long-term care planning, combining finances later in life, and the tax treatment of gifts. OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) Roger introduces IRMAA Medicare surcharges and explains why understanding them can help avoid surprises and unforced planning mistakes.RETIREMENT TOOLKIT(01:28) Roger breaks down IRMAA Medicare surcharges, explaining when they apply, why they matter, and how retirees can avoid being caught off guard by higher Medicare premiums. LISTENER QUESTIONS(15:11) John asks whether purpose-driven gifts to adult children impose the giver's values and how to balance generosity with expectations.(26:50) Joe asks how Social Security spousal benefits work when one spouse delays claiming until age 70.(31:50) Paul asks whether it's possible to wait until getting sick before enrolling in Affordable Care Act coverage.(33:41) Paul asks about using a Roth IRA as a self-funded long-term care reserve instead of purchasing long-term care insurance.(38:53) Suzanne asks for advice on combining finances in a later-life marriage between two retired widows.(45:43) Dave asks whether recipients of financial gifts owe taxes on the money they receive.SMART SPRINT(47:21) Roger's challenge this week: take a break from planning and simply enjoy life.ON THE BOOKSHELF(47:46) Kevin Lyles reviews The Stimulated Mind: Future-Proof Your Brain from Dementia and Stay Sharp at Any Age by Dr. Tommy Wood.REFERENCESlivewithroger.com — Register for Noodle Live on June 18!Submit a Question for RogerSign up for The NoodleON THE BOOKSHELFThe Stimulated Mind: Future-Proof Your Brain from Dementia and Stay Sharp at Any Age by Tommy WoodNote: The opinions expressed are for informational purposes only and should not replace personalized advice from licensed professionals.  

Join Jim and Greg for the Wednesday 3 Martini Lunch, as they discuss big wins for socialists in New York City congressional races, some bright spots in last night's primaries, a bad bipartisan proposal to fix Social Security, and how to describe the Democrats who abandoned all principles to support Graham Platner. New episodes every weekday. […]

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Tonya Edmonds.

In this episode we answer emails from Michael, Raphy, and Roman.  We discuss using a short-term SPIA as a bridge before Social Security and why it probably doesn't matter one way or the other if you are even a little over-saved, and how much flexibility a well-funded risk parity portfolio can really provide. We also tackle covered calls, dividend and income fund hype, and why portfolio design starts with asset classes, taxes, and drawdown tolerance rather than chasing tickers.  We also discuss the real differences between more and less aggressive risk parity style portfolio on an efficient frontier.Links:Father McKenna Center Donation Page (please mention Risk Parity Radio in the comment section with your donation):  Donate - Father McKenna CenterBen Felix on Covered Calls (one of several videos):  Covered Calls: What People (Still) Get WrongComparison of ADX with Common Index Funds:  Asset Analyzer for ETFs, Stocks, and Funds | testfolioBen Felix on Dividend Investing:  The Irrelevance of DividendsAfford Anything Episode #618:  They Ran Out of Money. I Didn't. Here's Why.Afford Anything Risk Parity Portfolio Blueprint:  Afford Anything frank-vasquez-risk-parity-portfolio-BluePrint.pdf - Google DriveComparison of Golden Butterfly and Roman's Modification:  Portfolio Backtester for ETFs and Asset Allocation | testfolioBreathless Unedited AI-Bot Summary:A five-year annuity that throws off real cash flow can look almost too good to be true, especially when you're trying to retire before Social Security and Medicare. We dig into a listener's plan to leave IT at 55 with a $175,000 budget and a risk parity style portfolio, then pressure-test the idea of using a short-term period-certain SPIA as a “pension bridge” to reduce early sequence of returns stress. The big lens we keep coming back to is proportionality: if the annuity is under 10% of the portfolio, it behaves a lot like a cash pile, CD ladder, or bond ladder and may not meaningfully change the long-run plan, but it can change how you sleep at night.From there, we shift into options and “extra income” strategies. We break down why covered calls often cap upside and can reduce long-term total return, and we draw a bright line between that and riskier approaches like selling puts, where rare crashes can cause huge losses. If you're going to trade at all in retirement accounts, we argue for a simple discipline: don't obsess over what you might make, calculate what you could lose, then size it so it can't wreck your lifestyle.We also take on dividend-focused closed-end funds and the lure of shiny tickers. The message is blunt: the first word after income is taxes, and good retirement investing starts with asset classes, tax location, and drawdown tolerance, not fund-of-the-week marketing. We close with a listener's Golden Butterfly tweaks and what higher withdrawal rates really cost in drawdowns and ulcer index stress. Subscribe, share this with a friend planning early retirement, and leave a review with your biggest question about bridging the years before Social Security.Support the show

John Prinz shares his story of replacing 1,100 mg/day OxyContin with medical cannabis, positioning him as an early "patient zero" in opioid-to-cannabis transition. A 1992 workplace injury at Simpson Paper in Anderson, CA led to five spinal surgeries, hardware implantation, and a spinal cord injury diagnosis, setting the foundation for extreme opioid dependency. At peak dosage around 2004–2005, John was prescribed over 1,100 mg of OxyContin daily alongside 13 other medications — far exceeding the typical 20–40 mg average — before the opioid epidemic was officially recognized. Dr. Lester Grinspoon's book "Marijuana, the Forbidden Medicine" was the turning point, leading John to recognize opioids as legal heroin and motivating his decision to pursue cannabis as a replacement. Transition off opioids took approximately 18 months of withdrawal, during which John developed his cannabis olive oil formula "Fusatima" — progressing from smoking to edibles to concentrated olive oil infusions. Fusatima is made with 3 liters of Costco olive oil and 1 lb of high-quality cannabis, slow-cooked at 180°F; one tablespoon yields ~300 mg combined THCA/THC, with a full dose of 4 tablespoons twice daily reaching ~2,400 mg. Lower heat during preparation preserves more THCA (non-psychoactive), while higher heat converts it to THC — allowing dosage customization depending on whether patients want psychoactive effects. THCA capsules made from raw, unheated cannabis are recommended for patients who want pain relief without the high, broadening the formula's accessibility. Post-surgery use at UCSF in June 2025 demonstrated Fusatima's clinical viability — John used no opioids after his sixth back surgery, self-administering the formula four days post-op with his surgeon's awareness. John's pain doctor Dr. Michael H. Moskowitz documented cannabis use in monthly medical records from 2005 to 2021, and those papers have since been used to educate other patients and gain acceptance from Medicare and Social Security. Advocacy efforts included writing Senator Dianne Feinstein starting in 2009, which John credits as contributing to OxyContin's removal from the market by 2011–2015, and writing Senator Obama in 2007 requesting rescheduling. Fentanyl's rise on the streets is directly linked to forced opioid withdrawal — patients lost prescriptions without a sanctioned alternative, and cannabis remains underutilized due to stigma even among marijuana advocates. Trump's executive order rescheduling cannabis to Schedule III is seen as a pivotal moment, though pharmaceutical companies including Jazz Pharmaceutical (105 patents), Pfizer (25), and Bristol-Myers Squibb (36) are positioned to commercialize it. Getting Fusatima into pharmacies — regardless of who manufactures it, including potentially a Sackler-backed company — is the stated goal, as insurance reimbursement only becomes possible once it reaches the pharmacy system. Core takeaway: growing your own cannabis is the most reliable path to access and affordability — patients who don't grow will struggle to maintain supply, and self-sufficiency is framed as the foundation of medical freedom. Visit our website: CannabisHealthRadio.comDiscover products and get expert advice from Swan ApothecaryFollow us on Facebook.Follow us on Instagram.Find us on Rumble.Keep your privacy! Buy NixT420 Odor Remover Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Hour 3 for 6/24/26 Drew and Ed Morrissey from HotAir.com discuss the left turn in the New York Primary (1:00) and the rise of socialism in politics across the country (17:19). Then, Drew opens the phones about the biggest threats America faces (27:21). Callers: we need more people in the trades (28:58), campaign advertising (33:57), socialism (36:41), social media (42:13), the need to build up parishes (44:30), illegal immigration (46:17), and Social Security (49:15). Link: https://hotair.com/ x.com/EdMorrissey

David McKnight discusses the Woman's World article Suze Orman Reveals When to Buy an Annuity - and the One Question You Must Answer First. For years, Orman has warned investors away from annuities, often lumping them into the category of expensive financial products that enrich salespeople at the expense of consumers. David has been surprised by what the current views of Orman appear to be, completely in line with what David has been preaching for years. Orman's analysis begins with a key consideration: annuities can be a helpful tool in retirement, but whether they make sense for you depends on one key factor: your income needs. In the Woman's World article, Orman writes that the first step is to figure out how much money you need each month to cover your essential expenses. Next, you should look at your guaranteed income sources like Social Security, a pension, rental properties, interest, or dividends. David paints out the scenario in which you get permission to take more risk in the stock market portion of your portfolio. A recent BlackRock study showed that people whose living expenses are guaranteed spend 22% more than those who rely on their stock market portfolio alone in retirement. David talks about what he refers to as a "piecemeal internal Roth conversion feature" and why it may be a beneficial asset. David sees Orman's approach as short-sided for the fact that guaranteed lifetime income isn't the only mathematically appropriate use of annuities. True, most retirees own bonds because they want stability, but bonds do come with reinvestment risks, interest rate risks, inflation risks, and often low long-term returns. David explains what would happen if you reached into your portfolio, removed bonds, and replaced them with an annuity. According to David, the conversation needs more nuance because "not all annuities are created equal". Remember: retirement planning isn't about one-size-fits-all financial advice; it's about creating a customized approach that will help you wring the most efficiency out of your retirement savings.     Mentioned in this episode: David's new book: The Secret Order of Millionaires David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track Tax-Free Income for Life: A Step-by-Step Plan for a Secure Retirement by David McKnight DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com Suze Orman Woman's World article - Suze Orman Reveals When to Buy an Annuity - and the One Question You Must Answer First  BlackRock Ken Fisher

Tuesday, June 23, 2026 Today, a federal judge has blocked the Trump administration's database of Americans' Social Security numbers and citizenship status; Kier Starmer has resigned as UK Prime Minister; the Trump administration has announced it will phase out HIV funding for South Africa; a federal court has rejected the Justice Department's demand for Maryland voter rolls; Trump has paid another $765M to shut down four more wind projects; Democratic turnout is up even in Republican districts; plus Allison and Dana deliver your Good News. Thank You, DeleteMe Get 20% off your DeleteMe plan when you go to www.joindeleteme.com/DAILYBEANS and use promo code DAILYBEANS at checkout.  Join The Daily Beans and give a gift today to ensure The Trevor Project can continue its crucial work in the face of continued challenges.Donate to The Trevor Project - Daily Beans Podcast The Latest Breakdown:The Breakdown | Trump And Trillionaires' Secret Plan To Destroy America StoriesJudge blocks Trump admin's database of Americans' Social Security numbers and citizenship status | POLITICO Federal Court Rejects Trump DOJ's Demand for Maryland Voters' Private Data - Elias Law Trump administration to phase out HIV funding for South Africa | POLITICO Trump Administration to Pay $765 Million to Cancel 4 More Wind Projects | The New York Times Highlights: Keir Starmer announces he'll resign as UK prime minister, launching contest for successor | AP News Democratic turnout is up, even in Republican districts, Post analysis finds | The Washington Post Good Trouble Comments Open until July 13 →Regulation for Federal Financial Assistance -  Open For Comments →trevorproject.org/beans →Comment on FR-6518-P-01 Equal Access  in HUD Programs Revisions  →Triumphal Arch - Section 106 Assessment Draft Programmatic Agreement →Regulation for Federal Financial Assistance -  Open For Comments →Recall Gov. Jeff Landry - Louisianadeservesbetter.com →STOP the deportation of Mohsen Mahdawi - Action Network →detentionwatchnetwork.org →FieldTeam6.org →Standwithminnesota.com →Tell Congress Ice out Now | Indivisible, Defund ICE | 5Calls →Congress: Divest From ICE and CBP | ACLU →ICE List  →iceout.org Good NewsAmazon.com: The Other Human eBook : Fanucchi, Charles K, Garity, Dylan Harrison and Brittany Barnes unveil Saltillo, Mexico courts - Yahoo Sports The Common Good Coalition Jerrad Christian is Running for Congress on Kindness and Economic Equality Tour — DANA GOLDBERGTickets for Dana Goldberg: Outrageous - Sep 23 - Den Theater - Chicago  GATEWAY LOUNGE | Teresa Trull and Barbara Higbie: Reunion, Pride & CD Release. Opening act Jeannie Tanner. →Share your Good News & Good Trouble - The Daily Beans →Beans Talk audio -beans-talk.simplecast.com →Email Dana LGBTQ Owned eating establishments in your area - hello@mswmedia.com Subject: “Dana's Project” Subscribe to the MSW YouTube Channel - MSW Media - YouTube Harry Dunn is running for CongressHarry Dunn for Maryland Our Donation Links: The Trevor Project - trevorproject.org/beans Blue Wave California - bluewavecalifornia.org/concert Donate to Public Citizen - https://citizen.org/beans/ The Daily Beans is donating $10,000 and invites you to give what you can to support their life-affirming work - Donate to It Gets Better / The Daily Beans Fundraiser   Pathways to Citizenship link to MATCH Allison's Donationhttps://crm.bloomerang.co/HostedDonation?ApiKey=pub_86ff5236-dd26-11ec-b5ee-066e3d38bc77&WidgetId=6388736 Join Dana and The Daily Beans in support of Human Rights Campaign http://onecau.se/_ekes71 More Donation LinksNational Security Counselors - Donate, ActBlue.com/donate/msw-bwc, WhistleblowerAid.org/beans Dr. Allison Gill - The Breakdown | Allison Gill, Mueller, She Wrote @muellershewrote.com - Bluesky, MSW & The Daily Beans Podcast @muellershewrote - Instagram, MSW Media - YouTube →Federal workers - email AG at fedoath@pm.me and let me know what you're going to do, or just vent. I'm always here to listen.  Dana Goldberg - Dana is on Patreon! At Dana's Dugout, @dgcomedy - Bluesky, @dgcomedy - IG, Dana Goldberg - Facebook,  DanaGoldberg.com More from MSW Media - Shows - MSW Media, Cleanup On Aisle 45 pod, The Breakdown | Allison Gill Reminder - you can see the pod pics if you become a Patron. The good news pics are at the bottom of the show notes of each Patreon episode! That's just one of the perks of subscribing! patreon.com/muellershewrote Listener Survey:http://survey.podtrac.com/start-survey.aspx?pubid=BffJOlI7qQcF&ver=shortFollow the Podcast on Apple:https://apple.co/3XNx7ckWant to support the show and get it ad-free and early?https://patreon.com/thedailybeanshttps://dailybeans.supercast.com/https://apple.co/3UKzKt0 Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

When God's people respond with generosity, real lives are changed—and doors open for hope that lasts. That has been the story behind FaithFi's partnership with Heart for Lebanon, a ministry serving families displaced by the ongoing crisis in Lebanon. On today's show, we welcomed May-Lee Melki, U.S. Managing Director of Heart for Lebanon, to share what God has already made possible through the generosity of FaithFi listeners—and why the need remains urgent. Over the past few months, May-Lee and her father, Camille, have helped listeners understand the tremendous challenges facing families in Lebanon. The war has displaced thousands, placed communities under severe strain, and left many families carrying emotional, physical, and spiritual burdens. While there have been temporary pauses in the fighting, May-Lee explained that a ceasefire has not meant true peace for many families. “Families are beginning to experience different effects of the ongoing war, instability, and repeated disruption,” she said. “There's a lot of fear, and there's a lot of uncertainty.” Many are still facing food insecurity, damaged infrastructure, interrupted livelihoods, and the constant fear that conditions could worsen without warning. Generosity That Has Already Made a Difference FaithFi listeners originally set out to help 275 displaced families in Lebanon. By God's grace, that goal has now been met. Those 275 families represent more than 1,000 individuals receiving life-sustaining support through Heart for Lebanon. That support includes food, mattresses, blankets, hygiene kits, diapers for adults and children, and care for newborns entering a world marked by war and uncertainty. But the impact goes beyond supplies. May-Lee shared the story of Ibrahim, a six-year-old boy whose family had to flee in the middle of the night as violence intensified. His parents carried their children and ran into the unknown, unsure where help would come from. Through the generosity of Faith and Finance listeners and the ministry of Heart for Lebanon, Ibrahim's family received practical care and ongoing support. His mother later told the team, “Please don't stop your children's activities, even throughout the war.” Ibrahim's favorite Bible story is Jesus feeding the 5,000. For him, that story has become deeply personal. He told the team, “Jesus loves us, and I know He will not let us go hungry.” That is more than humanitarian aid. It is a picture of God's provision working through His people. Meeting Physical Needs and Building Trust Heart for Lebanon's ministry begins by meeting urgent physical needs wherever families are—whether in shelters, makeshift tent settlements, or other temporary spaces. Food, bedding, and hygiene supplies help families survive while preserving their dignity. But the ministry does not stop there. May-Lee emphasized that Heart for Lebanon is not simply dropping off supplies and leaving. Their team is present for the long haul, walking with families through an open-ended season of displacement and uncertainty. That consistent presence creates trust. And trust opens the door to deeper conversations about faith, hope, and the love of Christ. May-Lee shared the story of Najwa, a woman who first came to Heart for Lebanon looking for food for her family. Over time, through relationships with the team, she found something she had not expected. She said her heart had been longing for a kind of spiritual nourishment she did not even know existed. Through the ministry's care and the message of the gospel, Najwa came to understand that she had not been forgotten by God. That kind of transformation takes time. It does not happen through a single package of supplies. It happens as God's people listen, serve, build relationships, and bring the hope of Christ into the deepest places of need. Hope in the Midst of Crisis In times of crisis, hearts are often more open than before. But May-Lee said that what truly points people to Jesus is not only the immediacy of help but also the authenticity of a long-term relationship. Heart for Lebanon's team is made up of local believers serving other locals—many of whom are experiencing the same hardships. Some members of the team in southern Lebanon have been displaced themselves, yet they continue to serve. That shared experience gives their ministry a unique credibility. Families see that these believers are not there temporarily. They are staying, serving, and carrying the burden. As a result, families are attending Bible studies in growing numbers, asking questions about faith, and seeking spiritual truth. May-Lee shared another story of a single mother named Nawal, who said, “Even during the war, someone was still thinking about us.” Through that care, she began to understand Jesus' love in a tangible way. “He's with me even in my darkest hour,” she said. That is the opportunity before Heart for Lebanon—to model the gospel in action during an ongoing crisis. Caring for the Whole Person The needs in Lebanon are not only physical. Children have witnessed things no child should have to see. Families have lost homes, routines, stability, and a sense of safety. Heart for Lebanon is helping turn crowded shelters and temporary spaces into places of care. Their team provides trauma-informed activities, play, art, and listening—simple but meaningful ways to help children process fear and begin to experience safety again. The ministry's approach is holistic because people are whole persons, made in the image of God. Food and supplies matter. Dignity matters. Emotional care matters. And above all, eternal hope in Christ matters. May-Lee put it plainly: tangible aid is important because it restores dignity, but it also becomes a vehicle for building trust and creating relationships that can flourish for God's Kingdom. The Need Remains Great Because of the generosity of Faith and Finance listeners, more than 275 displaced families are already receiving ongoing care. We praise God for that. But the need remains tremendous. Heart for Lebanon has committed to continue supporting these families with monthly care, including food, bedding, hygiene supplies, and relational support. They also hope to expand that care to reach even more families who are still facing fear, displacement, and uncertainty. Every $90 given helps provide a full month of care for a displaced family, while also allowing Heart for Lebanon to continue building relationships and sharing the hope of Christ. If you would like to help, visit FaithFi.com/Lebanon or text the word FAITH to 98656. When God's people respond with generosity, families receive more than temporary relief. They receive care, dignity, relationship, and a glimpse of the lasting hope found only in Christ. On Today's Program, Rob Answers Listener Questions: I received a letter from Social Security about the Social Security Fairness Act and the end of the Windfall Elimination Provision. They also deposited a lump sum into my checking account. I'm confused about why I received it, what it means, and whether I'll owe taxes on it. A friend borrowed about $500 from a company called Elastic, but the balance quickly grew to around $3,200. My family and I want to help her pay it off, but I'm concerned it may be predatory or a scam. How can we protect her, and what steps should we take? My husband and I are 57 and 54. We once had about $200,000 in savings, but after COVID and serious health and life challenges, that money is gone. We earn about $65,000 a year, have only about $500 across our accounts, and are living paycheck to paycheck. We each have about $25,000 in life insurance or retirement, but we're essentially starting over. How can we rebuild a financial plan at this stage of life? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Heart for Lebanon Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every weekday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Send us Fan MailWhat happens when the "No Dog is Illegal" crowd battles the "Stolen Land" crowd?? Grab your popcorn...Check out the American Experiment PodcastMinneapolis is struggling while leaders focus on bathhouses and dog parks, the state's Clemency Review Commission seems a little too eager to let convicted killers walk free, and the Social Security fund is finally about to run out of money (here's how Minnesotans will be affected). Later, economist Martha Njolomole shares how our state's policymakers could actually address the affordability crisis in housing and childcare. QOTW: Do you think the dog park should be shut down or not?!Remember to LIKE, SHARE, COMMENT, and SUBSCRIBE so you never miss an episode of the American Experiment Podcast. We'll see you next Tuesday afternoon!Find the full audio show wherever you get your podcasts including: Apple Podcasts, and Spotify!Check out our NEW legal podcast: The rationally Based Podcast  Follow The American Experiment on: Twitter/X, Instagram, Facebook, and TikTok--------------------------------------------------------------------------------------------------------------------#minneapolis #governorwalz #walz #minnesota #legislature #capitol #mn #republicans #democrats #politics #gop #dfl #stpaul #culture #politics #fraud #corruption #hearing #taxes #schools #education

CannCon and Ghost open the final show before GART week in Deadwood with a Tuesday packed with stories that connect in ways most people are not seeing. An AP investigation with a named whistleblower reveals the DEA knowingly allowed 74,000 fentanyl pills to flood New Mexico between 2023 and 2025 to catch bigger fish while running the "one pill can kill" public campaign at the same time. Bill Pulte walks into ODNI and CNN immediately runs a smear piece while Letitia James attacks his qualifications despite simultaneously backing Jay Clayton, who has identical gaps in intelligence experience. Ghost and CannCon apply the white hat versus black hat framework and explain why neither applies: incentive-based leverage is how this operation actually works. A federal judge blocks the SAVE database cross-referencing Social Security and citizenship data, and CannCon asks the only relevant question: who issues your Social Security number and who determines citizenship status? In geopolitics, Ghost delivers a layered breakdown of Colombia's contested election, tracing the Alex Saab connection to De La Espriella, the Smartmatic globalist pivot of 2014, and why Hispanic neocon Republicans are backing a Maduro ally while publicly opposing Maduro. A viral JD Vance Qatar slight gets debunked with the full video.

⁠Are you interested in working with me 1 on 1?⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Click this link to fill out our Retirement Readiness Questionnaire⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Or,⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠visit my website⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠****Most advice for retirees suggests to delay SocialSecurity as long as possible. But is that always the right move?In this episode, we'll discuss five real-world situations where claiming Social Security earlier may actually be the better decision.You'll learn:✔️ How longevity impacts yourclaiming strategy✔️ Why Social Security break-evencalculators may be incomplete✔️ The hidden impact claimingdecisions can have on your investment portfolio✔️ How Social Security affectslegacy planning and leaving money to your children✔️ Spousal and survivor benefitconsiderations✔️ Why many retirees strugglepsychologically with spending their nest egg✔️ How claiming benefits earlycan help manage sequence of returns risk during market downturnsThe reality is that Social Security claiming decisionsshould never be made in isolation. They should be coordinated with your retirement income plan, tax strategy, investment portfolio, legacy and lifestyle goals.If you're approaching retirement and wondering whether toclaim Social Security at 62, Full Retirement Age, or 70, this episode will help you understand the tradeoffs and make a more informed decision. Hope it helps.-KevinConnect with me here:​⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Followthe podcast​⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠JoinMy Company Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠This is for general education purposes only and shouldnot be considered as tax, legal or investment advice.

Summer is an exciting time, and for many, the perfect time to get out and do some traveling. While you're enjoying the fun of planning, searching, and packing, remember that identity thieves and scammers are still out there plotting ways to trip you up and gain access to your personal information. Links: Learn more about the identity protection benefits with a Better Checking account Check out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.   Summer travel season is upon us, and it can come with a lot of excitement and a lot of distractions. That's exactly when people slip up with their personal information without realizing it. A few simple habits can make a big difference in keeping your identity safe while you're preparing to head out on the road. Don't let identity thieves ruin your summer plans. Before you pack, post, or travel, review these guidelines to help protect your identity against scammers and identity thieves.  Be careful what you share online  It's easy to overshare without meaning to. Posting your travel plans gives scammers more information than you think. Be mindful of what you share on social media. Sharing details like birthdays, travel plans, or even pet names can give scammers the clues they need to guess passwords or impersonate you. A few extra seconds of caution can help protect your accounts and your identity. Even a photo of a boarding pass can expose details someone can use to get into your accounts. Share the moment, not the specifics.  Avoid logging into sensitive accounts on public Wi‑Fi  Airports, hotels, and coffee shops are convenient, but the Wi‑Fi is often wide open. Open networks are convenient, but they're also easier for criminals to intercept. Anyone on the same network can try to snoop. If you need to check something important (banking, email, anything with personal information), use your phone's hotspot or wait until you're on a secure connection.  Keep your devices locked down  Travel days can be chaotic. Phones get left on seats, laptops get forgotten at security, and backpacks get unzipped without anyone noticing. A strong passcode, a biometric (face or fingerprint) lock, and “find my device” turned on can save you a lot of stress if something goes missing.  Watch out for “urgent” messages  Travelers have been known to get fake vacation deals, fake airline alerts, fake hotel confirmations, and fake texts about “suspicious activity.” If a message pressures you to “act now” or “click immediately,” or threatens that your account will be closed or reservation will be cancelled, pause and take a moment before you take action. Go directly to the official website or app instead of engaging with these “urgent” messages. And remember, Triangle Credit Union will never pressure you with “urgent” messages demanding immediate action.  Don't carry every document with you  When you're traveling, leave things like your Social Security card, passport (unless you need it), and birth certificate at home. The fewer important documents you have on you, the less you can lose.  Shred anything with personal details  Travel planning can often bring a pile of mail filled with offers, pre-approvals, and random “welcome” packets. As you evaluate what to keep and what to discard, remember that anything with your name, address, or financial information should be shredded before you add it to the recycling or trash can. It sounds small, but dumpster diving for personal information is still a thing.  Use strong, unique passwords  If you're new to traveling, you're probably creating new accounts. Use passwords that are long, unique, and hard to guess; think of a mix of letters, numbers, and symbols rather than personal details like birthdays or names. At the same time, avoid recycling the same password across multiple accounts. Taking a few minutes to strengthen your passwords today can help protect your accounts from fraud tomorrow.  Check your accounts regularly  A quick weekly look at your bank accounts, credit card activity, and email security settings can help you catch something early. Many times, identity theft starts with tiny, easy‑to‑miss charges. Reviewing your accounts on a routine basis is one of the strongest defenses against identity theft. Spotting unfamiliar charges or changes early allows you to act quickly and limit potential damage.  Be mindful with travel documents  Don't leave boarding passes, hotel key sleeves, or rental car paperwork lying around. They often contain barcodes or account numbers that can be scanned or photographed. Lost or stolen travel documents can give fraudsters the information they need to open accounts or impersonate you, so a little extra care can go a long way to help protect your identity.  Summer travel should feel fun, not stressful. A few small habits can help you keep your identity safe while you enjoy the moment. But even when you do everything right, identity theft can still strike. If you suspect you're a victim, contact us - even if it's not related to your account at Triangle. Remember that if you have a Better Checking account, it comes with access to a professional, certified Identity Theft Recovery Advocate who can work with you one-on-one to identify and resolve identity theft or fraud and return your identity and your accounts to pre-event status. Visit trianglecu.org today to learn about the protective benefits of a Better Checking or use the link in the show notes.   If there are any other tips or topics you'd like us to cover, let us know at tcupodcast@trianglecu.org. Also, remember to like and follow our Making Money Personal Facebook and Instagram to share your thoughts. Finally, remember to look for our sponsor, Triangle Credit Union, on Facebook and LinkedIn.           Thanks for listening to today's Money Tip Tuesday. Check out our other tips and episodes on the Making Money Personal podcast. 

Hillary Clinton calls the Electoral College an "abomination" — but somehow never complained about it while she was campaigning for 270 electoral votes and skipping Wisconsin. Jemele Hill insists the Electoral College is "rooted in slavery," then quietly walks it all the way back the second Jason Rantz lays out the actual history on CNN. Plus Kamala Harris resurfaces to dodge whether she'd kill the Electoral College, then delivers an all-time word salad about "hope" being a verb and "a lot of debris." Pledge to protect Social Security at https://aarp.org/WeEarnedIt SHOP OUR MERCH: https://store.townhallmedia.com/ BUY A LARRY MUG: https://store.townhallmedia.com/products/larry-mug Watch LARRY with Larry O'Connor LIVE — Monday-Thursday at 12PM Eastern on YouTube, Facebook, & Rumble! Find LARRY with Larry O'Connor wherever you get your podcasts! SPOTIFY: https://open.spotify.com/show/7i8F7K4fqIDmqZSIHJNhMh?si=814ce2f8478944c0&nd=1&dlsi=e799ca22e81b456f APPLE: https://podcasts.apple.com/us/podcast/larry/id1730596733 Become a Townhall VIP Member today and use promo code LARRY for 50% off: https://townhall.com/subscribe?tpcc=poddescription https://townhall.com/ https://rumble.com/c/c-5769468 https://www.facebook.com/townhallcom/ https://www.instagram.com/townhallmedia/ https://twitter.com/townhallcomBecome a Townhall VIP member with promo code "LARRY": https://townhall.com/subscribeSee omnystudio.com/listener for privacy information.

Sunny Hostin and The View tried to reframe Karmelo Anthony's murder conviction as a racist trial with no "jury of his peers" — but they conveniently skipped the one clip showing Anthony got pushed, grabbed a knife, stabbed Austin Metcalf, and ran. Sunny Hostin claims she "doesn't understand" why self-defense was rejected; the footage explains it perfectly. Plus: Whoopi Goldberg scrambling over a smear of the victim's father, and why Brendan Carr's FCC may strip The View's "news program" status entirely. Pledge to protect Social Security at https://aarp.org/WeEarnedIt SHOP OUR MERCH: https://store.townhallmedia.com/ BUY A LARRY MUG: https://store.townhallmedia.com/products/larry-mug Watch LARRY with Larry O'Connor LIVE — Monday-Thursday at 12PM Eastern on YouTube, Facebook, & Rumble! Find LARRY with Larry O'Connor wherever you get your podcasts! SPOTIFY: https://open.spotify.com/show/7i8F7K4fqIDmqZSIHJNhMh?si=814ce2f8478944c0&nd=1&dlsi=e799ca22e81b456f APPLE: https://podcasts.apple.com/us/podcast/larry/id1730596733 Become a Townhall VIP Member today and use promo code LARRY for 50% off: https://townhall.com/subscribe?tpcc=poddescription https://townhall.com/ https://rumble.com/c/c-5769468 https://www.facebook.com/townhallcom/ https://www.instagram.com/townhallmedia/ https://twitter.com/townhallcomBecome a Townhall VIP member with promo code "LARRY": https://townhall.com/subscribeSee omnystudio.com/listener for privacy information.

Ro Khanna went on a podcast and claimed Elon Musk "possibly sentenced 4.5 million children to death" by dismantling USAID, demanding Musk be subpoenaed, investigated, and prosecuted. Then Musk threatened to sue — and Khanna instantly softened it to Musk's DOGE cuts "may lead to" deaths, hid behind "a study" he never actually cited, and whined "why not just debate me?" Plus: the richest stock trader in Congress lecturing America to "tax the billionaire," and Ro Khanna's total flip-flop from pro-entrepreneur moderate to Bernie-style class warrior. Pledge to protect Social Security at https://aarp.org/WeEarnedIt SHOP OUR MERCH: https://store.townhallmedia.com/ BUY A LARRY MUG: https://store.townhallmedia.com/products/larry-mug Watch LARRY with Larry O'Connor LIVE — Monday-Thursday at 12PM Eastern on YouTube, Facebook, & Rumble! Find LARRY with Larry O'Connor wherever you get your podcasts! SPOTIFY: https://open.spotify.com/show/7i8F7K4fqIDmqZSIHJNhMh?si=814ce2f8478944c0&nd=1&dlsi=e799ca22e81b456f APPLE: https://podcasts.apple.com/us/podcast/larry/id1730596733 Become a Townhall VIP Member today and use promo code LARRY for 50% off: https://townhall.com/subscribe?tpcc=poddescription https://townhall.com/ https://rumble.com/c/c-5769468 https://www.facebook.com/townhallcom/ https://www.instagram.com/townhallmedia/ https://twitter.com/townhallcomBecome a Townhall VIP member with promo code "LARRY": https://townhall.com/subscribeSee omnystudio.com/listener for privacy information.

Applying for Social Security Disability Insurance (SSDI) with Long COVID or ME/CFS is complex—and often discouraging. Many people are denied early and don't understand why.In this episode, Dr Khan speaks with disability attorney Barbara Comerford, who has spent 30+ years helping clients navigate disability claims for complex, hard-to-document conditions.We break down: How SSDI actually works (and who qualifies)  Why most claims are denied—and what that really means  The 5-step process Social Security uses to evaluate your case  What evidence matters for conditions like Long COVID  When to hire a lawyer—and how to strengthen your claim This is a practical guide to help you understand the system and make more informed decisions.Chapter Markers (Streamlined)00:00 Why SSDI matters for Long COVID 06:45 Who qualifies + how SSDI actually works 12:30 The 5-step disability evaluation process 25:00 Why claims get denied (and how to appeal) 40:30 Evidence, lawyers, and how to strengthen your caseResources Mentioned in This EpisodeSocial Security Administration (SSA) https://www.ssa.gov/ Check your earnings record and quarters of coverage to confirm SSDI eligibility. Tri-State Disability Law Barbara Comerford's law firm (SSDI and long-term disability cases) 866-444-6939Workwell Foundation Guidance on cardiopulmonary exercise testing (CPET) and instructions for the NASA Lean Test (dysautonomia assessment) Bateman Horne Center Educational resources on ME/CFS, Long COVID, and disabilityProject ECHO Webinar series referenced in the episode (including sessions on disability and chronic illness) Key Tools & Concepts ReferencedNASA Lean Test – low-cost way to document dysautonomia symptoms CPET (Cardiopulmonary Exercise Testing) – objective measure of exertional intolerance Neuropsychological Testing – documents cognitive impairment (brain fog, processing speed) Symptom Journaling – daily tracking of function (sitting, standing, cognitive stamina) to support claimsSupport the showSubscribe for free written summaries of each episode, resources, and more.  LongCovidMD.substack.com/subscribeSupport by donating at BuyMeACoffee

LISTEN and SUBSCRIBE on:Apple Podcasts: https://podcasts.apple.com/us/podcast/watchdog-on-wall-street-with-chris-markowski/id570687608 Spotify: https://open.spotify.com/show/2PtgPvJvqc2gkpGIkNMR5i WATCH and SUBSCRIBE on:https://www.youtube.com/@WatchdogOnWallstreet/featured  Chris delivers a tough-love message on personal responsibility, financial stewardship, and facing reality. From forgotten retirement accounts to inadequate savings and looming Social Security cuts, he argues that blaming others won't solve financial problems. Success starts with owning your decisions, learning from mistakes, and taking action. The past can't be changed—but your future can.

This Day in Legal History: Title IXOn June 23, 1972, President Richard Nixon signed the Education Amendments of 1972, a sweeping federal education law that included what became one of the most consequential civil rights provisions in American history: Title IX. Title IX stated that no person in the United States, on the basis of sex, could be excluded from participation in, denied the benefits of, or subjected to discrimination under any education program or activity receiving federal financial assistance. The language was brief, but its legal effect was enormous because it tied sex-equality obligations to the federal funding received by schools, colleges, and universities. That structure gave the federal government a powerful enforcement tool: institutions that accepted federal education money also had to comply with anti-discrimination rules.Although Title IX is often remembered for transforming women's and girls' athletics, the law was never limited to sports. It also affected admissions, scholarships, hiring, classroom access, pregnancy discrimination, and later legal debates over sexual harassment and institutional responsibility. Before Title IX, many educational institutions openly limited opportunities for women, including through quotas, unequal athletic resources, and restricted access to professional programs. The statute helped turn those practices into legal liabilities rather than accepted traditions. In later decades, courts and federal agencies would shape Title IX's meaning through regulations, enforcement actions, and major cases interpreting what counts as sex discrimination in education. Its influence reached far beyond individual lawsuits because schools had to rethink policies, reporting systems, athletic budgets, and equal-access obligations.Title IX also became a model for how civil rights law can operate through spending power, using federal money as the hook for national anti-discrimination standards. Its passage showed that a single sentence in a larger statute could become a foundation for generations of legal, political, and cultural change. On June 23, 1972, the federal government did more than amend education law; it created a durable legal framework for challenging sex discrimination wherever public money supported educational opportunity.A federal judge in California dismissed the Trump administration's lawsuit challenging Los Angeles's limits on cooperation with federal immigration enforcement. The administration had argued that the city's ordinance was unconstitutional because it restricted the use of city resources to support federal immigration operations and limited the collection of citizenship-status information. U.S. District Judge Fernando Olguin rejected that argument, finding that Los Angeles was regulating the conduct of its own employees and agencies rather than trying to control the federal government. The dismissal was not necessarily the end of the case, because the judge allowed the administration to file an amended complaint. Los Angeles City Attorney Hydee Feldstein Soto praised the ruling, saying it confirmed that local governments can decide how to use their own personnel and resources. The lawsuit was filed after immigration-related protests in Los Angeles and after Trump sent troops to the city in response to unrest over deportation operations. The case is part of a broader Trump administration effort to challenge local “sanctuary” policies in Democratic-led jurisdictions. Similar administration lawsuits against Boston and Chicago have also been dismissed by federal judges. The White House did not immediately comment on the ruling. The decision leaves Los Angeles's ordinance intact for now while giving the federal government another chance to revise its legal claims.US court dismisses Trump administration lawsuit over Los Angeles immigration policy | ReutersA federal judge in Washington, D.C., blocked the Trump administration from using a revised immigration database to help states check voter rolls. The database, known as SAVE, is used by the Department of Homeland Security to verify citizenship and immigration status, but the administration had changed it to make bulk searches easier for state and local officials reviewing voter eligibility. U.S. District Judge Sparkle Sooknanan sided with voting-rights and privacy groups that argued the changes made the system less reliable and could wrongly remove eligible voters from registration lists. The challengers said the database can be outdated, especially when naturalized citizens are still incorrectly listed as noncitizens. The judge also found that the revamped system raised serious privacy concerns because it gave users access to sensitive information, including Social Security numbers. DHS criticized the ruling and framed the case as part of its effort to prevent noncitizen voting. The ruling comes as the Trump administration has tried to expand the federal government's role in election administration before the November 2026 midterm elections. Courts have already blocked several related efforts, including parts of executive orders involving proof-of-citizenship requirements and mail-ballot restrictions. The administration has also faced setbacks in lawsuits seeking full voter-roll data from states. For now, the decision limits how the federal government can use immigration records in voter-roll checks.Judge blocks Trump's use of revamped immigration database for voter checks | ReutersIn my Bloomberg column this week, I wrote about OpenAI's request that Treasury update an outdated R&D tax credit rule for computer-related research expenses. My argument is that OpenAI's position should not be dismissed as just another technology company asking for a more generous tax benefit. The problem is that the existing rule was designed for an older world of identifiable physical computers, not modern cloud computing, data centers, GPUs, and reserved compute capacity. Section 41 allows a research credit for certain amounts paid to another person for computer use in qualified research, but Treasury regulations narrow that benefit by requiring that the computer be owned and operated by someone else, located off the taxpayer's premises, and not be a computer for which the taxpayer is the “primary user.” That “primary user” test made more sense when a taxpayer could point to a discrete machine, but it becomes unstable when a company is buying access to capacity inside a provider-owned cloud or data center.I argue that reserved or exclusive use of computing capacity should not automatically be treated as ownership or abuse, because modern AI research may require dedicated capacity for security, speed, and performance reasons. The real question should be whether the taxpayer is buying a third-party service or has effectively acquired, operated, or taken control of the infrastructure. Treasury can still protect against abuse without treating ordinary commercial cloud arrangements as disguised ownership. I suggest that a practical safe harbor could presume service treatment where the provider owns, operates, maintains, and houses the equipment off the taxpayer's premises while bearing the incidents of ownership. That presumption should remain rebuttable where the taxpayer bears ownership-like risks or is simply routing its own equipment through another entity to claim the credit.The broader point is that modernizing the rule would not need to turn the R&D credit into an AI subsidy machine, but it would prevent an old regulatory framework from excluding a major category of modern research. The column closes with the idea that tax rules meant to police fake outsourcing should not end up penalizing real outsourcing just because the computing world no longer looks like it did when the rule was written.OpenAI's Call for Modernized R&D Credit Rule Makes Perfect Sense This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.minimumcomp.com/subscribe

For so many people in their 50s and early 60s, the road to retirement doesn't start with a perfect plan, it starts with fatigue. That's where Shawn is today. After decades of running two small businesses, volunteering as a firefighter, and never really turning “off,” he's finally asking the question every pre-retiree faces: When is enough… enough?This episode dives into the real challenges people face when they're 1–3 years from retirement: selling a business, navigating healthcare before Medicare, planning around a spouse's job and benefits, understanding true retirement spending, and figuring out what life looks like when the work phone finally stops ringing. Shawn shares his dream of RV travel, more fishing, more freedom — and the mental battle between “one more year” and finally pulling the trigger.You'll hear how he's approaching Social Security timing, retirement budgeting, burnout, identity, financial independence, and designing a lifestyle that actually fits who he is now. If you're preparing for retirement and wondering whether you're emotionally, financially, or physically ready to take the next step, this conversation is full of real-life insight — not theory.--Shawn is not a client of Root Financial Partners, LLC and received no compensation for participating in this video. His statements reflect his own opinions and experience and are not indicative of any specific client's experience and are not a guarantee of results. No cash or non-cash compensation was provided, and no material conflicts are known.Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA  is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.

About this episode:   Data from 2025 shows that over 300,000 children are living in foster care in the United States. The Administration for Children and Families—the federal agency that oversees child welfare programs—aims to keep more children out of the system and with their families. In this episode: a conversation with Assistant Secretary Alex Adams about recent changes to grants and policies that seek to support families affected by substance use and reform practices around survivor benefits for children who have lost their parents.  Guest:  Alex Adams, PharmD, MPH, is the Assistant Secretary for Family Support, leading the Administration for Children and Families. Host:  Dr. Josh Sharfstein is distinguished professor of the practice in Health Policy and Management, a pediatrician, and former secretary of Maryland's Health Department. He served as the Baltimore City Commissioner of Health from 2005 to 2009.  Show links and related content:  Rolling Out the Welcome Mat for Prevention—The Imprint Former Idaho official ended state taking foster kid's Social Security money. Are other states next?—Idaho Capital Sun A Home for Every Child—Administration for Children and Families The AFCARS Dashboard—Administration for Children and Families Transcript information: Looking for episode transcripts? Open our podcast on the Apple Podcasts app (desktop or mobile) or the Spotify mobile app to access an auto-generated transcript of any episode. Closed captioning is also available for every episode on our YouTube channel. Contact us: Have a question about something you heard? Looking for a transcript? Want to suggest a topic or guest? Contact us via email or visit our website. Follow us: @‌PublicHealthPod on Bluesky @‌PublicHealthPod on Instagram @‌JohnsHopkinsSPH on Facebook @‌PublicHealthOnCall on YouTube Here's our RSS feed Note: These podcasts are a conversation between the participants, and do not represent the position of Johns Hopkins University.

Hour 3 for 6/22/26 Drew and CFP KJ Smith discuss strategies for retirement (6:37). Topics/Callers: paying off a mortgage or investing (15:50), retirement plans of yore (18:28), making 401ks more like pensions (24:54), we have no debt, what should we do? (32:20), maximizing Social Security (34:36), what should I do with all my assets (40:53), and funding assisted living (48:22). Link: https://ethoslogosinvestments.com/

Big things are shifting across the globe!

In this episode, Micah Shilanski, Managing Partner and Wealth Advisor, and Floyd Shilanski, Managing Partner and Wealth Advisor, discuss what federal employees should focus on when evaluating their Social Security claiming strategy. They explain how Social Security fits into a broader retirement plan, why headlines don't always tell the full story, and how factors such as taxes, survivor benefits, Medicare, and retirement income should be considered before making a decision. Need professional help with your retirement planning? Schedule a call today: https://zurl.co/AiAC Visit our website: https://zurl.co/ykNww

The news of Texas covered today includes:Our Lone Star story of the day: Texas Democrats never seem to learn that the bubble in which the live isn't often representative of the voting public. Their nominee for Texas governor is out running against school choice and against public school reforms that have improved schools massively (think Houston ISD takeover by TEA.)Meanwhile, Lt. Gov. Dan Patrick is talking about things that motivate voters like bringing the school property tax freeze down from 65 to 55 year of age.Our Lone Star story of the day is sponsored by Allied Compliance Services providing the best service in DOT, business and personal drug and alcohol testing since 1995.Texas Parks and Wildlife data breach affects 3 million license holders. “Social Security numbers, dates of birth and financial information, including credit card data, were not compromised in the breach, officials said.” And while the state has immunity, it is going after the private sector for a smaller breach.Jeramy E. Heintz Appointed Texas Securities Commissioner.Chevron signs 20-year power agreement with Microsoft for project Kilby data center in Pecos.Listen on the radio, or station stream, at 5pm Central. Click for our radio and streaming affiliates.www.PrattonTexas.com

On Monday's Mark Levin Show, we're still waiting for the Memorandum of Understanding with Iran to be released. Iran has a copy. So does Qatar, Pakistan and Turkey. But we don't. And neither does Israel. But even if the deal was made public, no deal will change the behavior of this enemy. The Iranian regime has never and will never change its ideology. To them, we are the enemy and we must be destroyed. Those who insist a deal can be made and that it is preferable, then they have to prove it.  Meanwhile, there's more leaks from Axios revealing that CIA Director John Ratcliffe raised serious doubts that Iran is unwilling to make the nuclear concessions sought in the deal. Skeptics including Secretary Marco Rubio and Secretary Pete Hegseth share these concerns, while VP Vance, Steve Witkoff, and Jared Kushner advocated for it. Are the neo-cons? No. We need a healthy discussion about this MOU. Later, with fewer workers relative to beneficiaries, Social Security faces insolvency: benefits could be slashed by about 22% in seven or eight years, or payroll taxes massively increased. Politicians and bureaucrats have turned Social Security into a hemorrhaging fiscal vulnerability amid national debt, low birth rates, and insufficient personal savings, risking a crash that harms both recipients and payers unless addressed. Learn more about your ad choices. Visit podcastchoices.com/adchoices