Podcasts about Withdrawal

David Daoud. Israel has begun a phased withdrawal from southern Lebanon, testing whether the Lebanese Armed Forces (LAF) can effectively disarm Hezbollah in "pilot zones." David Daoud expresses skepticism, noting Lebanon is already attempting to backtrack on its legal commitments and reverse agreed-upon sequences. Success depends on whether the U.S. will hold Lebanon's feet to the fire or permit Israel to retake territory if the LAF fails. (16)2012

“HORROR HEARTS ACTIVATED” What if fear does not merely warn the heart, but becomes the drug that keeps its identity alive? A fear-governed person may crave love while depending upon threat. Anxiety scans the future, memory edits the present, shame protects the mask, and perception turns possibility into evidence. The partner becomes a screen upon which the nervous system projects horror. This is where fear can become addictive. Not as a formal diagnosis, but as dependence upon activation, suspicion, and emergency. Fear supplies intensity. Intensity feels familiar. Familiarity gets mistaken for truth. Peace feels empty, consistency feels suspicious, and love feels invasive because it approaches the self beneath the performance. What protects that self? Lying and control. The lie preserves the mask. Control manages the witness. We conceal what might change another person's view, then restrict freedom so they cannot discover what concealment protects. We edit motives, feelings, and intentions. We call the editing privacy. We call the control standards. We call hypervigilance intuition. Fear recruits intelligence to defend the prison while convincing the prisoner that bars equal safety. The horror begins when these protections create what they predicted. Surveillance breeds secrecy. Testing breeds exhaustion. Possession breeds rebellion. Withdrawal breeds abandonment. Fear points toward the wreckage and claims prophecy. Does addiction to fear produce incessant lying and control? It can, whenever truth threatens the mask and freedom threatens the fear-built identity. The monster may be the system created to prevent us from being seen, loved, changed, and exposed to ourselves.

Adam helped a client who wanted to reduce the amount of medication that they felt was negatively affecting their life. The issue is that they would have harsh withdrawals and unpleasant symptoms, so this session is to help taper off medication while feeling that the withdrawals are manageable and temporary, and a sign of progress. Get 50% off a consultation call with Adam using the code PODCAST. Click here to schedule: ⁠⁠⁠⁠⁠⁠https://courses.adamcox.co.uk/workwithadam ⁠⁠⁠⁠⁠⁠

Kelley discusses common retirement mistakes, the importance of personalized planning, and strategies to optimize your financial future. Learn how to avoid costly errors and create a tailored retirement plan that works for you. 800-810-8060 California Wealth AdvisorsSee omnystudio.com/listener for privacy information.

Dave Ramsey has built one of the most recognized brands in personal finance. Millions of people have followed his advice out of debt and into savings. But when it comes to how much you should pull from your retirement accounts each year, Ramsey takes a position that some financial professionals find hard to get behind. Today, we break it down: what Dave says, what the research says, and what Ryan thinks. Here's what we discuss in this episode:

Dave Ramsey has built one of the most recognized brands in personal finance. Millions of people have followed his advice out of debt and into savings. But when it comes to how much you should pull from your retirement accounts each year, Ramsey takes a position that some financial professionals find hard to get behind. Today, we break it down: what Dave says, what the research says, and what Phil thinks.   Here's some of what we discuss in this episode: ⚖️ Rate Debate: Comparing two very different approaches

Interview recorded - 14th of July, 2026On this episode of the WTFinance podcast I had the pleasure of welcoming back Eric Basmajian. Eric Basmajian is the founder of EPB Research, an independent economic research firm whose work is read by over 250,000 people and used by pension funds, hedge funds, and manufacturers globally.During our conversation we spoke about his overview of the economy, government debt increasing, why markets are skyrocketing while the average consumer struggles, employment and more. 0:00 - Introduction1:33 - Overview of the economy6:26 - Government debt increase8:46 - Consumer credit9:49 - Concentration of profits11:36- Withdrawal of globalisation 15:09 - Margins drop then job cuts23:09 - Employment data26:21 - Market impact30:40 - People gotten wrong?35:30 - One message to takeaway?Eric Basmajian is an economic cycle analyst providing research on long-term and short-term trends in growth and inflation. With a degree in economics and experience at a quantitative hedge fund, Eric has developed a unique secular and cyclical framework to forecast major economic inflection points and the resulting impact on asset prices.Eric holds a bachelor's degree in economics from New York University. Eric started on the buy-side of the financial sector, as an analyst with Panorama Partners, a quantitative hedge fund specializing in algorithmically scanning for mispriced equity derivatives.Eric Basmajian - Website - https://epbresearch.com/Twitter - https://twitter.com/EPBResearchYouTube - @EPBResearch LinkedIn - https://www.linkedin.com/in/eric-basmajian-32614116a/WTFinance -Instagram - https://www.instagram.com/wtfinancee/Spotify - https://open.spotify.com/show/67rpmjG92PNBW0doLyPvfniTunes - https://podcasts.apple.com/us/podcast/wtfinance/id1554934665?uo=4Twitter - https://twitter.com/AnthonyFatseas

This week I'm discussing the latest Social Security Trustees Report, what it means for your future benefits, what changes may be coming, and how millions of Americans are already planning ahead. I'll dig into the psychology and strategy of spending down your savings once you retire, including how to transition from saving to spending, why an "intentional adjustment" matters, and the critical role of having a written plan. I also answer listener questions about withdrawal strategies and how to weigh the decision of working "one more year."    You will want to hear this episode if you are interested in...   [00:32] The latest Social Security Trustee Report [09:14] Discussing Social Security and Retirement Strategies [12:12] Adjusting to Retirement Spending [16:25] Finding purpose in retirement spending [19:44] The go-go years in retirement [26:56] Withdrawal strategies and investment planning [32:28] Managing taxes with inherited IRA [37:24] Evaluating Retirement vs. Working Longer [43:03] Understanding Annuity Penalties and Risks What the Latest Social Security Report Means Recent headlines about Social Security's future have stirred anxiety for those nearing—or already in—retirement. The Social Security Trustees' latest report brings sobering news: if no legislative action is taken, benefits will face a 22% cut by the end of 2032. For the average American, that translates to receiving just 78 cents on the dollar compared to today's checks. Roughly 73 million Americans currently collect Social Security, with that number projected to hit nearly 80 million by 2035. 66% of today's retirees lean heavily on these benefits, up from 52% twenty years ago. Aging populations, fewer pensions, and growing living costs further exacerbate the shortfall. Adjusting Your Retirement Plan in Uncertain Times With these potential benefit cuts looming, many are rethinking their assumptions. Some pre-retirees adjust their retirement income projections to reflect "worst-case" Social Security—assuming perhaps only 75-78% of currently promised benefits. This kind of conservatism can bring peace of mind when planning, though it's still possible that Congressional fixes will preserve more generous payouts. Planning for the unknown also means keeping tabs on Social Security's annual earnings cap, which is rising—from $168,600 in 2024 to $184,500 in 2026. For top earners, this means more taxable income, and for retirement planners, one more variable to consider.   The Psychology and Practicality of Decumulation Flipping from saver to spender is often more difficult than expected. Many accumulate for decades, watching their nest egg grow, and then feel uneasy as withdrawals begin. Having a clear spend-down plan is crucial—not only for finances, but for confidence and peace of mind. Try a "bucket" strategy—dividing assets into income, cash reserve, and long-term growth buckets. By doing this, you'll be able to weather market swings and adjust spending appropriately in both up and down years. Importantly, plans should be flexible: during bull markets, withdrawals might increase modestly; in downturns, tightening the belt can protect long-term sustainability.  The Measure of Retirement Success Retirement fulfillment isn't about dying with the largest possible nest egg,  it's about achieving financial independence, enjoying freedom, and creating meaningful connections. Studies show that those who use their savings for experiences, relationships, and a sense of purpose report far greater happiness. This is about it in these terms, if you knew with certainty that your money would last, how would you spend differently starting tomorrow in retirement? Reflecting on this can help clarify goals and foster the confidence to pursue a fulfilling vision for retirement. Resources & People Mentioned 3 Steps to Retirement Planning The 2026 OASDI Trustees Report  Older Adults' Knowledge and Attitudes Related to the Social Security Trust Fund    Connect With Gregg Gonzalez   Email at: Gregg.gonzalez@lpl.com Podcast: https://RetireStrongFA.com/Podcast Website: https://RetireStrongFA.com/ Follow Gregg on LinkedIn Follow Gregg on Facebook Follow Gregg on YouTube Subscribe to Retirement Made Easy On Apple Podcasts, Spotify, Google Podcasts

»

At the height of the U.S. war with Iran, NATO allies declined to allow the U.S. to use air bases within their territory to launch attacks on Iran, they refused to let U.S. bombers overfly their territory, and they refused to commit their forces to helping the U.S. patrol the beleaguered Strait of Hormuz. In response, President Trump said he was considering withdrawing the United States from the 75-year-old defense alliance – something he has been talking about for years. Monday on the "Sound of Ideas," we bring you another installment of the series "Talking Foreign Policy," which is produced in conjunction with Case Western Reserve University. In this episode, a panel of experts discusses the role NATO currently plays as a global defense alliance, as conflicts continue in Iran as well as between Russia and Ukraine. Guests: - Michael Scharf, President, American Branch of the International Law Association; Former Dean, Case Western Reserve University School of Law - John Bellinger, Legal Advisor, National Security Council & U.S. Department of State - Sandy Hodgkinson, Former Deputy Assistant Secretary of Defense; Retired, U.S. Navy Captain - Paul Williams, Ph.D., President, Public International Law & Policy Group - Milena Sterio, Distinguished University Professor, Cleveland State University College of Law; Managing Director, Public International Law & Policy Group

I Found a Trading Pattern That Repeats for Years  Podcast: Find out more about Blueberry Markets – Click Here Find out more about my Online Video Forex Course Book a Call with Andrew or one of his team now Click Here to Attend my Free Masterclass #641: I Found a Trading Pattern That Repeats for Years In this video: 00:32 – How to use and understand Support and Resistance levels. 01:14 – What are Support and Resistance levels. 01:45 – UK Oil (Brent Crude Oil) price bounces at 70.00 02:20 – Charts from 2026 – 2014 showing bounces at 70.00 03:20 – Identify setups at these important levels. 04:38 – Check out my new Masterclass. 05:03 – Talk with us. 05:13 – Blueberry Markets as a Forex Broker. 05:52 – How to contact me for trading help. Do you realize how important support and resistance levels are? Do you know how to find them on your chart and how to take advantage of them to ensure you become a good trader? Let's find out about that and more right now. The traders, it's Andrew Mitchem here at The Forex Trading Coach with video and podcast number 641. Outside again on another beautiful winter's day here in Nelson in New Zealand. How to use and understand Support and Resistance levels. So today I want to talk about support and resistance levels and how you can benefit from understanding them and using them in your trading. Now, it's very easy in hindsight to go and look at support and resistance levels, and it's very easy to scan back through your charts and go, “Oh look, the price bounced there and it bounced there,” and you conveniently almost ignore other levels that potentially in real time could have also been useful support and resistance levels but didn't actually do anything. And so I find that a lot of people, you know, it's a bit like Fibonacci levels. It's something that's very easy if you see a screenshot and ideal support and resistance levels, but in real time it potentially can be quite hard. What are Support and Resistance levels. So support and resistance levels, if you don't know, are horizontal levels on your charts. And they are where historically prices bounced, reversed, stalled, etc. I tend to find that if you include a round number or look for round numbers, you'll find that support and resistance levels tend to also form at those levels. Now you can go and find out all about round numbers from a video I've made just a few weeks ago. UK Oil (Brent Crude Oil) price bounces at 70.00 But if you look at your charts, a classic example I'm going to use today is UKOil, UK Brent Crude Oil. Go and have a look at your charts while you're watching or listening to this, and have a look at the 70 level. Now just last week at the beginning of July, you see that the price would have come down to 70 and has now bounced right now as we are speaking. And so I'm going to put 4 screenshots up on screen for you right now for you to have a look at. Now, I've identified some of the support and resistance levels, not all of them. These charts you're going to see right now are the UKOil daily chart. Charts from 2026 – 2014 showing bounces at 70.00 So the first chart you'll see is from now back to 2023. You'll see I've identified levels where the price has reversed at that 70 level. The next chart you're going to see will be from 2023 back to 2021. Again, I've identified some of those levels so you can see the importance of those price bounce levels. The next chart, this third one, will be 2021 back to 2017. Again, lots of examples here. I have not identified all of them. But just to give you an idea of support and resistance, again, all happening at exactly 70. Then the fourth chart on screen right now is from 2017 all the way back to 2014. Again, lots and lots of examples. So here's maybe 20-25 examples that I've just shown you there on the charts of 1 chart, 1 market, UK Brent Crude Oil bouncing at just that one level of 70. Identify setups at these important levels. Now don't you think it would have been important last week to have looked at that chart? And by the way, the reason I'm talking about this is because I identified this exact thing to our clients on our forum site when we saw a buy trade on the market that you've just been looking at, and the price candle bounced at 70. Now, the important thing to note here is you can't just go and look at every time that the price bounces at a level and say, “Oh, it's hit that level, I'm taking a buy trade again,” or “It's gone through that and bounced at 70 and now I'm taking a sell trade.” You can't do that. You still need to have a strategy, some logic. From my point of view, we use candle formations and a number of other things that we look at and teach here at The Forex Trading Coach. But the 70 level was hit, the candle bounced at that level, and then formed a good strong bullish candle. So I put the 4 screenshots that you've just seen in front of you now on the forum site and said, “Look, here's the reason. Not only the candle pattern in the right part of the chart, but now it's bouncing at 70.” And hey, look, go back further in time and look at how important that level was. So the trade I actually took was a 12-hour chart trade. It's a slightly longer time frame chart trade, and 70 was a massive level. So if you'd like to find out more about how we do this and how we teach our clients from around the world, with clients in 111 countries, how to do this, if you've not been on my new masterclass, it's around 15 minutes long. It's on demand, so you can just jump on whenever you like. Check out my new Masterclass. I'll put a link to that masterclass so you can get onto that and have a look at some examples exactly like I've just mentioned, and see some actual trades that we've taken as well. I'll put a link to that masterclass. Talk with us. If you'd like to speak to us, you can book a call to speak to myself or one of my team, and I'll put a link to that here as well. Blueberry Markets as a Forex Broker. If you're out there looking for a really good, high-quality broker that offers 12-hour charts, such as the trade I've just mentioned, and markets like that, not only forex but metals, indices, cryptos, and commodities, I'll put a link to Blueberry Markets as well. They're based over in Australia, and pretty much anybody from most countries around the world can open an account with Blueberry Markets. I highly recommend them. Great people, great service, and very good spreads. Withdrawal speeds are incredible. I'll put a link to them so you can consider Blueberry Markets if you're out there looking for a good, high-quality broker to trade through. How to contact me for trading help. So that's it for this week. Don't forget to like, share, and subscribe. Any questions? Please email me directly at Andrew@TheForexTradingCoach.com. See you this time next week. Bye for now. Episode Title: #641: I Found a Trading Pattern That Repeats for Years Find out more about Blueberry Markets – Click Here Find out more about my Online Video Forex Course Book a Call with Andrew or one of his team now Click Here to Attend my Free Masterclass

For review:1. The US military is carrying out a new round of strikes on Iran, the third in recent days, in response to the Revolutionary Guards' announcement that it has attacked a vessel there and closed the waterway until further notice, the US Central Command (CENTCOM) announces.2. US President Donald Trump said Saturday that he had ordered the military to be prepared to launch major strikes against Iran if the Iranian government carries out or attempts an assassination of the president.3. A US military delegation met with Lebanon's army in Beirut to discuss the implementation of Israel's withdrawal fro6. m a “pilot zone” in occupied territory, a Lebanese military official told AFP on Saturday.4. Board of Peace officials have briefed reporters in recent days about their plans to establish a pilot humanitarian zone in the Rafah area of south Gaza.5. China could ​play a decisive role in pressuring Russia towards peace talks, helping end its war in ‌Ukraine, U.S. Senator Lindsey Graham said on Friday.6. Canada announced this week that it will purchase up to 12 attack boats from Germany following an intense bidding competition between Seoul and Berlin for the next-generation of Royal Canadian Navy (RCN) submarines. 7. Germany will purchase Tomahawk cruise missiles from the United States and station them on German soil, Chancellor Friedrich Merz said on Thursday.According to German government sources, Washington committed to granting approval in August for Germany to procure Tomahawk missiles and corresponding ground-based Typhon launchers.8. The Pentagon is planning to reroute roughly $4.3 billion from fiscal 2026 coffers in order to pay for “higher priority items,” including increased personnel and operational costs around the globe, the department told lawmakers in a new reprogramming notification. 

What happens when the DNC pulls the plug on a popular veteran lobster farmer's Senate run?

Iran threatens to close the Strait of Hormuz amid U.S. strikes, Trump departs Turkey in the old Air Force One plane, Platner drops his Maine Senate bid over sexual assault claims, Russia's Lavrov visits Niger on the second leg of his Africa tour, scientists observe the ocean floor splitting apart for the first time, the WHO projects that global annual cancer cases could hit 35 million by 2050, the EU allows tech companies to scan private messages for child abuse material, a court denies Trump's appeal on E. Jean Carroll's $5.8 million payment, Meta commits $9.2 billion to build its first Canadian data center, and Welsh singer Bonnie Tyler dies aged 75. Sources: Verity.News

Ghana Journalists Association (GJA) has given the Central Regional Chairman of the National Democratic Congress (NDC) a seven-day ultimatum to admit wrongdoing, apologise to Obaatanpa Radio, compensate the station, and withdraw the lawsuit filed against the media outlet

In this episode, Kelley discusses critical retirement planning topics including pension options, inherited IRAs, tax strategies, and the importance of personalized financial planning. Kelley shares insights to help listeners make informed decisions for a secure retirement. 800-810-8060 California Wealth AdvisorsSee omnystudio.com/listener for privacy information.

Dave Ramsey has built one of the most recognized brands in personal finance. Millions of people have followed his advice out of debt and into savings. But when it comes to how much you should pull from your retirement accounts each year, Ramsey takes a position that some financial professionals find hard to get behind. Today we're breaking it down: what he says, what the research says, and what your advisor actually thinks. Ramsey's 8% Retirement Rule Sounds Nuts At First Article Show Links & Info: SPC Investing: http://spcinvesting.com/   Schedule A Visit: https://talkstomike.com/

Tom and Don tackle one of retirement's hardest questions: how much can you safely spend from your portfolio without blowing up the rest of your life? They walk through the familiar 4% rule, flexible withdrawal strategies, why a flat 10% withdrawal is usually fantasyland, and why the “right” spending rate depends heavily on your age, timeline, and tolerance for adjusting in bad markets. They also answer a listener question about a 22-year-old's investment allocation and close with a timely discussion of the latest Social Security trust fund warning, what it actually means, and the only real ways Congress can fix it.00:12 — How much can you safely spend in retirement? Tom and Don tee up the big question: 4% rule, 5% flexible rule, or something more personalized.02:08 — Survey shocker: many people think they need 30 years of income saved before retiring comfortably.03:03 — Longevity math: how long retirement might actually last, and why that matters for withdrawal rates.04:40 — Can you really withdraw 10% a year? Tom and Don push back on overly aggressive retirement spending assumptions.05:59 — Why generic withdrawal rules fall apart in real-life retirement planning.06:25 — Every retiree needs a personalized withdrawal strategy based on their own timeline and circumstances.07:17 — Retiring at 60 vs. 70: why earlier retirement makes even “safe” withdrawal rates riskier.09:04 — Why it's worth having a professional review your retirement withdrawal plan, even if you've used calculators.09:58 — The case for flexible withdrawals: spending more in strong markets and less in weak ones.10:20 — Three common retirement planning mistakes: not saving enough, not knowing your needed return, and taking the wrong amount of risk.12:16 — Listener question: a 22-year-old with $28,500 invested wants to know if his allocation makes sense.13:28 — Breaking down DFAW, VT, and VTI: overlap, diversification, and whether the portfolio is too complicated.16:21 — The bigger story: a 22-year-old already has a terrific head start on retirement savings.17:56 — Social Security update: the trust fund could run short in 2032 if nothing changes.18:37 — The only real ways to fix Social Security: raise taxes, cut benefits, or some combination of both.19:52 — Why scary Social Security headlines should not automatically push people to file early.21:22 — One possible fix: raising or removing the payroll tax cap.23:27 — The demographic problem under Social Security: too few workers supporting too many retirees.Questions? Comments? Click!

Every day, thousands of Nigerians search for new ways to earn extra income or grow their savings. For many, online investment platforms promise quick returns with little effort. But while some appear to deliver at first, many eventually collapse, leaving investors counting their losses.The latest platform to spark concern is National Reading Culture, popularly known as NRC. Reports from users who say they can no longer access their funds have reignited questions about the recurring cycle of online investment schemes that end in heartbreak.So, why do Nigerians continue to invest in platforms that promise extraordinary returns despite repeated warnings from regulators? What lessons should investors learn from the latest collapse? And what can be done to prevent more people from falling victim?Hello! This is Nigeria Daily, brought to you by Media Trust. I am Luqman Awwal Agono.Today, we examine the reported collapse of NRC, hear from affected investors who agreed to share their experiences anonymously, listen to what Nigerians think about online investment platforms, and speak with a financial expert on how to identify and avoid Ponzi schemes.

Why does my spouse seem emotionally disconnected after cheating? Discover the biblical, neuroscience-backed reasons emotional withdrawal happens after infidelity and learn how couples can begin reconnecting emotionally after betrayal. If your husband or wife seems distant, numb, defensive, or emotionally unavailable after an affair, pornography discovery, or sexual betrayal, this episode will help you understand what's happening and provide practical steps toward healing and rebuilding intimacy. If you've experienced infidelity, pornography, or sexual betrayal in your marriage, you've likely asked this heartbreaking question. After discovery, many betrayed spouses desperately seek emotional connection while the unfaithful spouse appears distant, numb, defensive, or emotionally unavailable. But what if emotional disconnection after an affair isn't always about a lack of love? In this episode of Beauty Beyond Betrayal, we're exploring the biblical, neurological, and psychological reasons emotional shutdown often occurs after infidelity. You'll learn how betrayal trauma impacts both spouses, why shame causes emotional withdrawal, and what Scripture teaches about healing emotional disconnection after broken trust. In this episode, you'll discover: • Why emotional withdrawal often follows infidelity • The neuroscience of shame, trauma, and emotional shutdown • How betrayal impacts attachment and nervous system regulation • What Genesis and Peter's restoration teach us about emotional healing • Three practical ways to begin emotionally reconnecting after betrayal If your marriage feels emotionally disconnected after an affair, there is hope. Healing is possible, and emotional intimacy can be rebuilt. :: Free Resource for Couples: Download Lisa's new ebook: AFTER THE DISCOVERY A 5-Step Emergency Healing Guide for Couples Facing Betrayal Your first steps after an affair, pornography discovery, or sexual betrayal. :: NEXT STEPS 7 PILLARS OF HEALING FROM BETRAYAL TRAUMA Join our Beauty Beyond Betrayal Sisterhood:   Healing from an affair: Heartbreak Recovery for Christian Women Email:   info@lisalimehouse.com WEBSITE:  www.lisalimehouse.com Got a question you want answered?  ASK HERE

Don and Tom take on the latest crypto hype cycle, arguing that Bitcoin remains speculation—not a reliable store of wealth—and that putting crypto inside retirement accounts is especially dangerous. They discuss a new self-directed IRA crypto platform, the risks of private equity and alternative assets in retirement plans, and why “get rich quickly” pitches should set off alarm bells.Then they answer two listener questions. First, Mark from Ohio asks how to prepare a retirement portfolio for a likely market downturn and how withdrawals and rebalancing should work once retirement begins. Later, Doug from Utah asks whether market-linked CDs make sense compared with Treasuries and whether the “no downside” promise is worth the tradeoffs. Don and Tom explain why they dislike market-linked CDs, how bank brokers get paid to sell them, and why simpler fixed-income tools often make more sense.They wrap up with a warning about growing bank-related scam tactics and a publishing scam Don has been seeing aimed at authors.0:05 – Intro: one-star Bitcoin review and why crypto losses are hard to ignore1:16 – Bitcoin's drop, crypto volatility, and retirement-account crypto pitches2:42 – Self-directed IRAs, IRA Financial, and the “get rich quick” problem5:27 – Why crypto, private equity, and alternative assets can be dangerous in retirement plans6:58 – Why most people bought Bitcoin: speculation, not currency utility10:29 – Hot money shifts: crypto, gold, semiconductors, and chasing momentum12:20 – Don's bottom line on crypto as speculation vs. wealth storage13:16 – Listener question from Mark: preparing for a market downturn before retirement15:32 – Is an 80/20-ish portfolio too aggressive with retirement four years away?17:13 – Bonds vs. cash/CDs: what fixed income should do near retirement18:56 – Withdrawal strategy during a downturn and how rebalancing fits in20:46 – Listener question from Doug: market-linked CDs vs. Treasuries23:47 – Why Don and Tom dislike market-linked CDs26:42 – The danger of taking investment advice from a bank salesperson29:18 – Building Treasury and CD ladders through a brokerage instead31:23 – Banks training tellers to spot scam victims before money is lost34:04 – Don's author scam warning: fake book clubs and fake promotional offersQuestions? Comments? Click!

Reaching financial independence is only half the battle, knowing how to withdraw your money in early retirement is just as important. The right withdrawal strategy can help you minimize taxes, avoid unnecessary penalties, and make your portfolio last longer. In this episode of the BiggerPockets Money podcast, Mindy Jensen and Scott Trench break down six early retirement withdrawal frameworks. Whether you're planning to retire before age 59.5 or you're already financially independent, you'll learn how to access your retirement savings, reduce your tax bill, and create a withdrawal plan that fits your goals. If you're pursuing FIRE (financial independence retire early), this episode will help you make smarter decisions with the money you've worked so hard to build. Resources from this episode: To access the slides from this episode: www.biggerpocketsmoney.com/withdraw To use the Healthcare Costs Projection App: https://biggerpocketsmoney.com/healthcarecosts/ To go beyond the podcast: Kick start your financial independence journey with our FREE financial resources - https://biggerpocketsmoney.com/ Subscribe on YouTube for even more content- www.youtube.com/biggerpocketsmoney  Connect with us on social media to join the other BiggerPockets Money listeners - https://www.facebook.com/groups/BPMoney We believe financial independence is attainable for anyone no matter when or where you're starting. Let's get your financial house in order! Learn more about your ad choices. Visit megaphone.fm/adchoices

Send us Fan MailThis episode started with an accident — or what felt like one.I went to the eye doctor, had my eyes dilated, and sat down to write my newsletter only to find I couldn't see my computer screen. So I closed my eyes, started voice-dictating, and something unexpected happened: I dropped inward in a way I rarely do during a regular workday. The forced pause became a teaching.That experience sent me deep into a topic I've been wanting to explore for a while — the relationship between pitta dosha and the eyes, and what it means not just physically but philosophically when we learn to rest the outward gaze.What we cover:Alochaka pitta — the subdosha of pitta located in the eyes, responsible not just for physical sight but for perception, discernment, and the ability to distinguish what is right from what is wrong. When it goes out of balance, the effects show up in both the body and the mind.Why summer intensifies eye strain — summer is pitta season, and the combination of environmental heat and the fire already present in our eyes means alochaka pitta is especially vulnerable right nowScreen time and the eyes — the research on digital eye strain, blue light, reduced blink rate, and circadian disruption — and how Ayurveda would frame all of it as pitta and vata aggravation through the misuse of the sense organsPractices to support eye health — eye palming, feeding the vision with natural beauty and greenery, herbal compresses with chamomile, rose, lavender, and eyebright, rose water, netra basti, netra suddhi, and the 20-20-20 ruleHerbs for the eyes — triphala internally and externally, its antioxidant and anti-inflammatory properties and what the research shows, as well as a gentle honest look at eyebright's traditional use and emerging sciencePitta vision and the world — the gift of pitta's focused, forward-moving gaze that drives action and builds things — and the shadow of what happens when prana is always streaming outward through the eyes without restVata vs. pitta vision — why vata carries the intuitive, spirit-connected inner vision while pitta carries the focused, purposeful worldly gaze — and why we need bothPratyahara — the fifth limb of yoga as genuine eye medicine. The research showing that sensory withdrawal reduces anxiety, modulates stress response, and activates the brain differently than other relaxation techniques — and why closing your eyes is one of the most direct ways to call your prana homePractices mentioned:Eye palmingHerbal eye compresses (chamomile, rose, lavender, eyebright)Rose water eye sprayTriphala eyewash and internal useNetra basti & netra suddhiThe 20-20-20 rulePratyahara — eyes closed or soft gaze in meditation and daily lifeResearch & references:Maharishi Ayurveda — The Five Subdoshas of Pitta: mapi.comAggarwal & Saba (2024). Digital blindness: the hidden cost of excessive screen time. EXCLI JournalHaghani et al. (2024). Blue light and digital screens revisited. Journal of Biomedical Physics and EngineeringPeterson et al. (2017). Therapeutic uses of Triphala in Ayurvedic Medicine. Journal of Alternative and Complementary MedicinePMC review: Mind-Stuff and Withdrawal of the Senses — Pratyahara researchResources Mentioned:  Prana Boundary MeditationDeep Rest for Perimenopause MeditationSomatic Stretch & Shake 20 Minute PracticeResources:Free Masterclass:  The Alchemy of the Perimenopause PortalAyurvedic Dosha Quick Reference GuideAbhyanga Self Massage GuideWeekend Nervous System ResetNourished For Resilience Workbook Find me at www.nourishednervoussystem.comand @nourishednervoussytem on Instagram

In this episode of Atlanta Business Radio, Lee Kantor interviews Aaron Strand, actor, filmmaker, and podcaster. Aaron shares the journey behind his award-winning debut feature film, Withdrawal, from grassroots fundraising and micro-budget production to a self-distributed North American theater tour. He discusses the realities of independent filmmaking, the power of community-driven cinema, and the entrepreneurial […]

For review:1. US Central Command (CENTCOM) says its forces conducted strikes against Iran earlier this evening in response to an attack on a commercial ship that was transiting the Strait of Hormuz.2. Iran's Islamic Revolutionary Guard Corps says it attacked US sites in the Gulf region in retaliation to American strikes in Iran, according to state television.3. The United States is considering moving Middle East military installations westward, including to Israel, to reduce their exposure to Iran's missiles and drones.4. Israel, Lebanon and the US reached an agreement Friday that will see the Israel Defense Forces begin to withdraw from small parts of southern Lebanon.5. Officers from the Moroccan military, whose deployment was announced in February, have arrived in Israel to join a nascent international force for Gaza, US President Donald Trump's Board of Peace said Tuesday.An official from the board separately told AFP on condition of anonymity that the contingent arrived on June 18 at the headquarters of the International Stabilization Force (ISF) in southern Israel.6. The Kremlin said Wednesday that contacts between Moscow and Washington on the Ukraine war will resume when the American envoys become available amid their occupation with other issues.

Dr. Varpas de Sa Pereira, US Marine veteran, former USASOC Special Operator, and clinical psychologist at the VA, joins Jon Macaskill to break down warrior withdrawal syndrome and why traditional diagnoses like PTSD and adjustment disorder miss the mark for so many veterans. Dr. Varpas uses a substance abuse model to explain why military service functions like a drug and why separation produces real withdrawal symptoms, even in veterans who never deployed to combat. He covers why basic training alone is enough to create the warrior identity, how infinite choice after the military breeds anxiety the same way zero agency breeds depression, and the PLEASE acronym (physical health, limit screen time, eat right, avoid mood-altering substances, sleep, exercise) as both a skill set and a scoreboard. Jon and Dr. Varpas also dig into sleep as the foundational fix, the grenade analogy for interpersonal conflict and why mindfulness extends the fuse, marksmanship as active mindfulness, and why that critical first six months after separation is when most major negative life events happen.Full episode: pod.fo/e/2ebcc0 Full video hereFree A2A Awareness assessment, free Focus app, and limited free access to the full A2A course: text MTM to 33777 GET MORE FROM MTM:Text MTM to 33777 — free weekly newsletterSubscribe & Episodes: https://mentalkingmindfulness.com/FREE APP: https://focusnowtrainingapp.com/FREE Assessment: https://focusnowtraining.com/assessment-pageA2A COURSE:12 modules on attention, presence & performance. Self-paced. Built for people who hate the word mindfulness.https://focusnowtraining.com/a2a-courseBRING FNT TO YOUR TEAM:Custom training for your organization. In-person or online.https://focusnowtraining.com/contact-usProduced by Robert Lopez | https://www.cratesaudio.com/

Listener Q&A where Andy talks about: Are tax return amendments needed if info from a 1099-R was left out but doesn't impact the return's gross or taxable income ( 4:08 )What are the pros and cons of using average cost basis tracking for mutual funds ( 8:36 )Tax implications of nonqualified annuities and surrendering vs annuitizing it ( 13:55 )Is there a more optimized way to pay taxes on in-plan Roth conversions as opposed to having additional taxes withheld from your paycheck ( 23:21 )Thoughts on using "reverse budgeting" to figure out how much you spend, instead of manually adding up all of the line items of actual expenses you have ( 28:28 )How to properly report on your tax return a disability exception to the 10% IRA early withdrawal penalty if the custodian won't reflect the exception on the 1099-R ( 34:31 )How much is too much to pay a financial advisor who charges a percent of assets under management, and thoughts on only rolling some of a 401(k) to an advisor and managing the rest on your own ( 40:23 )Options/insurance to help cover expenses for dental, vision, and hearing since traditional Medicare doesn't cover those things ( 47:46 )When to consider getting a financial advisor (or at least getting a one-time financial plan done) ( 52:06 )How to properly report on your tax return a SEPP (Substantially Equal Periodic Payment) exception to the 10% IRA early withdrawal penalty if the custodian won't reflect the exception on the 1099-R ( 58:00 )Thoughts on retiring from Oklahoma to a high cost of living place like New York City (to be near kids and grandkids) ( 1:02:02 )To send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.comLinks in this episode:Tenon Financial monthly newsletter/blog - Retirement Planning InsightsYouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)Retirement Planning Education website - www.RetirementPlanningEducation.com

Carla Delgado is a San Diego native with eight years of experience in healthcare and a master's in healthcare administration. She also has a personal story of SSRI withdrawal, and we discuss how her background in healthcare administration helped to navigate the healthcare system, which has not been that friendly for people experiencing antidepressant withdrawal. *** Thank you for being with us to listen to the podcast and read our articles this year. MIA is funded entirely by reader donations. If you value MIA, please help us continue to survive and grow. https://www.madinamerica.com/donate/ To find the Mad in America podcast on your preferred podcast player, click here: https://pod.link/1212789850 © Mad in America 2026. Produced by James Moore https://www.jmaudio.org

How is Wall Street valuing software companies in the age of artificial intelligence? Twilio CEO Khozema Shipchandler discusses the changing software landscape, AI adoption, and how his company is positioning itself for the next wave of growth. Plus, Meta's former head of news warns about the growing challenge of ensuring AI-generated information is accurate. And Apollo in focus as investors submit redemption requests from one of its private credit vehicles, raising fresh questions about liquidity and the risks facing the industry. Squawk on the Street Disclaimer Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

This week Seth Paridon and Jon Parshall welcome back their buddy John McManus to discuss the situation facing Douglas MacArthur's troops from Christmas Eve, 1941 through the New Year as Wainwright and his beleaguered men begin the phased withdrawal from their fighting positions to the Bataan Peninsula. Among the many topics the guys get into is the leadership of General Jonathan Wainwright and how so very important he was to the overall plan in late 1941 in the Philippines. The logistics situation on Bataan, is also discussed in detail, all setting up the disaster that befalls Fil-American forces through the first four months of 1942. #wwiihistory #ww2 #usnavy #usa #usarmy #medalofhonor #enterprise #aircraft #aircraftcarrier #cv6 #midway #wwii #wwiihistory #ww2 #worldwar2 #usnavy #usnavyseals #usmc #usmarines #saipan #usa #usarmy #aircraft #aircraftcarrier #battleship #battleships #ussenterprise #aircraftcarriers #museum #essex #halsey #taskforce38 #wwii #wwiihistory #ww2 #usnavy #usa #usarmy #medalofhonor #enterprise #aircraft #aircraftcarrier #cv6 #midway #wwii #wwiihistory #ww2 #worldwar2 #usnavy #usnavyseals #usmc #usmarines #saipan #usa #usarmy #aircraft #aircraftcarrier #battleship #battleships #ussenterprise #aircraftcarriers #museum #hollywood #movie #movies #books #mastersoftheair #8thairforce #mightyeighth #100thbombgroup #bloodyhundredth #b17 #boeing #airforce wwii #wwiihistory #ww2 #usnavy #usa #usarmy #medalofhonor #enterprise #aircraft #aircraftcarrier #cv6 #midway #wwii #wwiihistory #ww2 #worldwar2 #usnavy #usnavyseals #usmc #usmarines #saipan #usa #usarmy #aircraft #aircraftcarrier #battleship #battleships #ussenterprise #aircraftcarriers #museum #hollywood #movie #movies #books #oldbreed #1stMarineDivision #thepacific #Peleliu #army #marines #marinecorps #worldwar2 #worldwar #worldwarii #leytegulf #battleofleytegulf #rodserling #twilightzone #liberation #blacksheep #power #prisoner #prisonerofwar #typhoon #hurricane #weather #iwojima#bullhalsey #ace #p47 #p38 #fighter #fighterpilot #b29 #strategicstudying #tokyo #boeing #incendiary #usa #franklin #okinawa #yamato #kamikaze #Q&A #questions #questionsandanswers #history #jaws #atomicbomb #nuclear #nationalarchives #nara #johnford #hollywood #fdr #president #roosevelt #doolittle #doolittleraid #pearlharborattack #salvaged #medalofhonor #tarawa #malayalam #singapore #guadalcanal #china #burma #oil #marinecorps

Saving for retirement is only half the battle; knowing how to get your money out without getting burned by taxes or rigid rules is where things get complicated. In this episode, John and Tommy dive deep into the specific Thrift Savings Plan (TSP) mistakes that are rarely talked about but can cost federal employees thousands. From the operational headaches of unfair tax withholdings to the danger of default account selections, they share exactly how to maintain control of your wealth. Access the full show notes at Mason & Associates, LLC Resources Mentioned: Mason & Associates: LinkedIn  John Mason: LinkedIn Tommy Blackburn: LinkedIn 

Most men think their relationship problems come from anger, communication issues, or simply choosing the wrong partner. So they tell themselves: "I just need to work on my reactions." "I need to find someone who understands me." "I'm trying my best." But underneath those struggles is often a much deeper story. A story that quietly whispers: "There's something wrong with me." "I'm too broken to be loved." "I'll never be enough." And every time conflict appears… every time someone they love expresses disappointment… that story takes over. In this episode, David sits down with John to explore the powerful transformation that unfolded through his coaching journey—from self-sabotage, emotional reactivity, and shame to self-worth, connection, and presence. John shares how, despite appearing capable and successful on the outside, intimate relationships repeatedly exposed a painful belief he carried for years: That he was fundamentally unlovable. He explains how even small moments of criticism or conflict would trigger overwhelming emotional reactions. Defensiveness. Anger. People-pleasing. Withdrawal. Self-sabotage. Not because he wanted to hurt the people he loved. But because every challenge in a relationship seemed to confirm the story that something was wrong with him. And eventually, that story began damaging the very relationships he cared about most. The hardest part? He didn't know how to stop it. When his partner finally asked him to leave, he found himself at a breaking point. Desperate. Heartbroken. Terrified of losing everything. That moment became the beginning of a completely different path. In this conversation, David and John explore how low self-worth shapes relationships, why emotional reactions often mask deeper wounds, and what begins to change when men stop fighting themselves and start building trust from within. John also shares the profound impact this work has had on his marriage, his relationship with his children, and his journey toward becoming the father and partner he always wanted to be. This isn't a conversation about becoming perfect. It's about discovering that healing doesn't come from fixing yourself. It comes from letting go of the belief that you were broken in the first place. If you've ever felt unlovable, struggled with emotional reactivity, sabotaged relationships you deeply cared about, or wondered whether lasting change is truly possible—this episode may show you what can happen when you finally begin to believe that you are enough.   RELATE:   

»

https://expatmoney.com/antiwarPhone bank for Defend the Guard: https://defendtheguard.us/phonebankSign up for our newsletter: https://www.antiwar.com/newsletter/

»

Andy Roddick and Jon Wertheim break down the start of the 2026 grass swing. Andy makes the case for why Wimbledon may be Novak Djokovic's best remaining shot at a major, Ben Shelton's win over Fritz, and Majchrzak beating De Minaur for the title. Plus, Donna Vekić's title run, Emma Raducanu's scheduling debate, Barbora Krejčíková as the ultimate unseeded threat, and a deep dive into Serena's doubles return and whether singles is next. JW also gives an inside look at the new Chris Evert and Martina Navratilova documentary, Chris & Martina: The Final Set, on Netflix June 26th. COMMENT BELOW: Who do you think are the dark horses for 2026 Wimbledon?

https://expatmoney.com/antiwarPhone bank for Defend the Guard: https://defendtheguard.us/phonebankSign up for our newsletter: https://www.antiwar.com/newsletter/

At first reading, Isaac's words can sound severe, even shocking. He speaks of idle speech as fornication, unhealthy attachments as adultery, and certain forms of companionship as idolatry. Yet behind these warnings lies something far deeper than moral anxiety. Isaac is not obsessed with sin. He is consumed with the preservation of desire for God. The entire homily is built upon a single conviction: the human heart was created for divine communion, and anything that captures its attention, dissipates its energy, or redirects its longing away from God becomes a threat to its deepest purpose. For Isaac, impurity begins long before outward acts. It begins when the heart loses its simplicity. When affection becomes possessive, when companionship becomes emotionally intoxicating, when curiosity about others replaces watchfulness over oneself, the soul gradually drifts from its center. The danger is not merely moral failure. The danger is fragmentation. This is why Isaac speaks so strongly about particular attachments and associations. He understands that the heart cannot be divided indefinitely. Every affection shapes desire. Every conversation leaves a trace. Every companionship either strengthens recollection of God or weakens it. His concern is especially acute regarding spiritual relationships because these can easily disguise passion beneath the appearance of virtue. A person may speak about holiness while secretly seeking emotional gratification, admiration, dependence, or control. One may appear spiritual while feeding hidden desires. This is why Isaac repeatedly returns to self-deception. The greatest danger is not obvious sin but the passions clothed in religious garments. Against this, Isaac presents another image: the elder who has guarded his heart through silence, purity of thought, humility, and disciplined speech. Such a person no longer seeks particular people to satisfy hidden needs. He loves everyone equally because his heart has become free. Compassion has replaced possession. Love has become universal because it no longer springs from lack. This is the perfection Isaac describes. The issue, then, is not whether one has relationships. It is whether one's relationships nourish the fire of God or extinguish it. For Isaac, solitude is not an end in itself. Silence is not a technique. Withdrawal is not misanthropy. All of these exist to protect a flame. The Holy Spirit has kindled a fire within the heart, and that fire is delicate. Excessive familiarity, endless conversation, emotional entanglements, and worldly distractions scatter the mind and cool the soul. Yet Isaac is careful to make one exception. There are companions who do not extinguish the fire but increase it. There are friendships rooted in God. There are conversations that awaken the soul, expose the passions, deepen humility, and enlarge desire for divine things. Such communion is not a distraction from the spiritual life but one of its greatest supports. The test is simple: after leaving someone's company, does the heart burn more brightly for God or less? Everything in this passage revolves around that question. Isaac's warnings are not expressions of fear. They are acts of protection. He sees the heart as a sanctuary and desire for God as its most precious treasure. Therefore he urges vigilance, not because human relationships are evil, but because divine love is so extraordinarily precious. The entire passage can be reduced to a single plea: Guard the fire. Choose companions who increase it. Flee whatever diminishes it. And allow your love to become so purified that it belongs to everyone because it belongs first to God. --- Text of chat during the group: 00:09:26 James Hickman: Father, I was away for about a year…moved across the county and my faith formation role was on Wednesday evenings 00:09:50 James Hickman: I have loved The Watchful Mind…love your recommendation…summer break 00:11:05 Fr. Charbel Abernethy: https://www.philokaliaministries.org/post/nazareth-and-the-hidden-life 00:12:21 Anna: 91 in GA right now 00:13:28 Anna: My grandpa had his first class relic 00:16:38 Fr. Charbel Abernethy: https://www.philokaliaministries.org/post/nazareth-and-the-hidden-life 00:16:54 Bob Čihák, AZ: P 206, #11, last paragraph, Fr. A said we should get back to the 2nd sentence. 00:31:04 James Hickman: “…his heart is grievously injured.” Is Isaac speaking of the older monk, ie the one at fault? If so, I like Isaac's compassion to warn against the danger the offended faces. We don't want anyone's heart injured, whether a potential offender or a potential victim. 00:37:51 Bob Čihák, AZ: The double negative in the last sentence of the paragraph tends to confuse my weakening mind. 00:42:37 David Swiderski, WI: It is interesting the human brain only matures after 25 years old. I think most parents can capture this as the entire idea of consequences does not develop till after that. That is why around the world to rent a car you need to be 25. I see people below this age as children still developing but I see others that year to live again in a world without consequences. 00:43:05 Anna: Too often we run to therapy versus running to Christ in prayer and confession 00:44:03 una: Can you speak to how to have a solid spiritual friendship between consecrated people or with priests/monks 00:46:14 Nypaver Clan: Reacted to "It is interesting th..." with

Why do breakups hurt so much? Because neurologically, heartbreak looks almost identical to drug withdrawal. In a landmark 2010 fMRI study, Helen Fisher and her colleagues showed that the brains of the recently rejected lit up in the same reward and craving circuits — the VTA and nucleus accumbens — that drive cocaine addiction. In this episode of The Dr. Leaf Show, Dr. Caroline Leaf unpacks the neuroscience of heartbreak and why it can take at least 63 days to rewire, plus two more segments: why horror movies might actually be good for your brain (and when they're not), and a Pick My Brain Q&A tackling self-love, the attachment styles myth, unconditional love, and how to reignite the spark in a long marriage.

If you've ever convinced yourself you were dying only to discover you just forgot your morning coffee, congratulations—you and Moon have something in common.This episode begins with Moon's dramatic weekend health crisis, which included headaches, body aches, sweating, canceled plans, and a genuine belief that he had caught the flu. After missing parties, skipping events, and suffering through a soccer match, the shocking diagnosis arrived: accidental caffeine withdrawal. One decaf mistake later, Moon was spiraling. Two rose lattes later, he was ready to conquer the world, write albums, and possibly become mayor of Paris.Meanwhile, the crew breaks down one of the most unexpected party surprises in recent memory when former Blues star Jamie Rivers decides the perfect pool-opening gift for his fiancée Ashley is... live monkeys. Not monkey decorations. Not monkey-themed cupcakes. Actual monkeys. Naturally, the monkeys arrive during a crowded backyard party packed with guests, children, music, and enough chaos to make everyone question several life choices. The result is equal parts adorable, confusing, and mildly terrifying.The conversation somehow escalates into monkey behavior analysis, party planning mistakes, surprise animal logistics, and the realization that getting bitten by a monkey in a bikini was probably not on anyone's weekend bingo card.The gang also recaps King Scott's massive baby shower, complete with mountains of gifts, bacon, desserts, and the looming anticipation of the show's upcoming gender reveal. There are discussions about weird party foods, mysterious hot-dog cake creations, and why some recipes should maybe stay inside family cookbooks.As if that wasn't enough, Rafe conducts what can only be described as investigative journalism by revisiting a local Hooters. What follows is an unexpectedly deep exploration of restaurant culture, paper plates, silent dining rooms, forgotten glory days, and whether a restaurant can accidentally become an existential experience. It's part food review, part sociology experiment, and part cry for help.The crew also tackles one of life's toughest questions: what's the saddest food to eat alone? Cake? Ice cream? A blooming onion? The answers get surprisingly personal as stories of lonely desserts, spaghetti mishaps, old promotional cakes, and questionable life decisions come flooding out.From caffeine dependency and monkey business to restaurant nostalgia and emotional food debates, this episode delivers exactly the kind of beautiful nonsense that makes this daily comedy show what it is. If you're looking for a daily comedy show that can seamlessly connect French coffee, poolside monkeys, hot-dog cake, and Hooters trivia without ever making sense, you've found your people.Follow The Rizzuto Show → linktr.ee/rizzshow for more from your favorite daily comedy show.Connect with The Rizzuto Show Comedy Podcast online → 1057thepoint.com/RizzShow.Hear The Rizz Show daily on the radio at 105.7 The Point | Hubbard Radio in St. Louis, MO.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

When it comes to retirement savings, Roth IRAs are among the most powerful tools for achieving tax diversification and financial flexibility. Knowing how and when to tap into your Roth IRA can make a tremendous difference in optimizing your tax situation, ensuring income over the years, and even establishing a valuable legacy for your heirs. On the podcast this week, we're digging into the strategic considerations around Roth IRA withdrawals, covering timing, special scenarios, tax rules, and advanced planning for both your retirement and your family's future.   Roth IRA Withdrawal Rules Before you even think about crafting a withdrawal strategy, it's essential to understand the rules that govern Roth IRA distributions:   Contributions: The money you contribute to your Roth IRA can be withdrawn at any time, free of taxes and penalties. This is because you've already paid taxes on these funds. Earnings (Growth): The gains in your Roth IRA—the earnings on your contributions—are subject to stricter rules. To withdraw these growth dollars tax- and penalty-free, you generally must: Be at least 59½ years old. Have held the Roth IRA for at least five years Roth IRAs offer unique flexibility since they aren't subject to required minimum distributions (RMDs) during the account owner's lifetime, allowing for long-term, strategic use.   Timing Your Withdrawals: Three Key Life Phases Pre-Retirement Flexibility Withdrawing from your Roth IRA before retirement isn't common, but certain life events may make it necessary. Common scenarios include college costs not fully covered by a 529 plan, job loss or layoff, with the Roth IRA serving as an emergency fund if you lack other options, or a first-time home purchase, with special provisions allowing up to $10,000 of earnings to be withdrawn penalty-free for this purpose. While, ideally, your Roth contributions keep compounding for retirement, knowing that you can access them penalty-free if needed provides valuable peace of mind—especially for younger savers balancing competing priorities. Strategic Retirement Withdrawals Once you reach retirement, timing and tax strategy become crucial. Most advisors recommend tapping taxable brokerage and pre-tax accounts (like traditional IRAs or 401(k)s) first, saving Roth IRA withdrawals for years when you need extra flexibility. Scenarios where a Roth withdrawal is especially powerful include when you want to avoid higher tax brackets or Medicare surcharges, or you want to maximize healthcare subsidies. Withdrawing from your Roth IRA rather than from pre-tax accounts can help keep income below the "cliff" and preserve valuable subsidies. Careful coordination, often with personalized modeling or tax projections, ensures you maximize lifetime tax efficiency—not just minimize taxes in a single year. Legacy and Heir Planning For many, the ultimate goal is to leave a financial legacy. The Roth IRA shines here because withdrawals by beneficiaries are tax-free, although subject to a 10-year withdrawal rule for most non-spouse heirs. By positioning the Roth IRA as a legacy asset, you create flexibility for both yourself and your beneficiaries while minimizing future tax headaches.   Why a Personalized Withdrawal Strategy Matters Retirement income planning is complex, with countless moving parts: tax brackets, healthcare premiums, surprise expenses, and more. The accumulation phase may seem simpler, but the drawdown phase is where careful coordination—and making the most of your Roth IRA—ensures long-term success and peace of mind. Detailed, personalized planning is the key to maximizing your savings and retiring with confidence.   Outline of This Episode [01:08] Roth IRAs will likely be used for withdrawals eventually, but not typically first  [03:54] Why you might make pre-retirement withdrawals [06:08] Roth IRA withdrawals in retirement [08:00] Managing withdrawals to optimize taxes [12:19] Managing pre-tax and after-tax accounts [14:55] Personalized financial planning and tax strategies   Resources & People Mentioned The Retirement Podcast Network Roth Conversion by the Decades, Ep #171  Which Roth Account Is the Right Scoop for You? Ep #245 Your Retirement Secret Weapon: The Mega Backdoor Roth, Ep 144    Connect With Chad and Cameron https://www.financialsymmetry.com/podcast-archive/  Connect on Twitter @csmithraleigh @TeamFSINC Follow Financial Symmetry on Facebook   Subscribe To This Podcast   Apple Podcasts Stitcher Google Play  

Andy Roddick breaks down results from Day 13 of the 2026 Roland Garros. Roddick discusses Alexander Zverev's dominant semifinal win over Jakub Menšík, why Menšík's tactics never allowed him to settle into the match, and how Zverev has handled the pressure of becoming the clear tournament favorite. Plus, Roddick reacts to Matteo Arnaldi's heartbreaking withdrawal due to illness after one of the most physically demanding runs in Grand Slam history, what it means for the men's final for Flavio Cobolli, and a quick look ahead to Mirra Andreeva vs. Maja Chwalińska in the women's final match. COMMENT BELOW: Who do you have winning the men's final? Sign up for the Newsletter & Live Chat w/ us during matches! https://servedmedia.substack.com/ Follow Served with Andy Roddick: Instagram: https://www.instagram.com/servedpodcast/ TikTok: https://www.tiktok.com/@served_podcast Learn more about ServiceNow here: https://www.servicenow.com/?campid=271869&cid=pc:brd:brnd:served:26q1:paitwfp_audioredirect_PAITW2_GAI_PAITWFP_HostRead_:none:br_ams:awa&utm_medium=podcasts&utm_source=served  --- --- --- Served with Andy Roddick is your home for all the ATP and WTA Tours Tennis Breaking News, Draw Previews, Match Recaps, Player Interviews, Match Previews and more. We cover the largest tournaments throughout the season including the Australian Open, Roland Garros, Wimbledon, US Open, Shanghai and talk about the best players including Novak Djokovic, Carlos Alcaraz, Jannik Sinner, Rafael Nadal, Coco Gauff, Iga Świątek, Naomi Osaka, Aryna Sabalenka, Alexander Zverev, Daniil Medvedev, Emma Raducanu, Stefanos Tsitsipas, Roger Federer, Jack Draper. --- --- --- #RolandGarros #RolandGarros2026 #Arnaldi #Zverev #Mensik #Cobolli #FrenchOpen #FrenchOpen2026 #Tennis #GrandSlam #ATP #WTATennis #QuickServed Thank you to our sponsors: ServiceNow Learn more about your ad choices. Visit megaphone.fm/adchoices

Born in Germany and raised in Denmark, Fiona Frenzen is a qualified teacher with a master's degree in anthropology. For years, she had a dream about living in Iceland, seeking the grounding and healing effect of nature. But due to her health challenges and severe withdrawal syndrome, this dream seemed unrealistic. However, this past fall, she moved to a rural part of Iceland where she began teaching at the local elementary and high school. She dreams about putting her degree in anthropology to use by working in research and contributing to the awareness of the risks of antidepressants and the difficulties of withdrawal. *** Thank you for being with us to listen to the podcast and read our articles this year. MIA is funded entirely by reader donations. If you value MIA, please help us continue to survive and grow. https://www.madinamerica.com/donate/ To find the Mad in America podcast on your preferred podcast player, click here: https://pod.link/1212789850 © Mad in America 2026. Produced by James Moore https://www.jmaudio.org

Last time we spoke about the second phase of the One Hundred Regiment Offensive.  During the second phase of the Hundred Regiments offensive, CCP forces emphasized strongpoint and transportation warfare across the Taihang/Jizhong area. Units were organized with wings containing Japanese positions while a central force struck deeper, as in the Renhe Dasu fighting in early October 1940. Night raids seized strongholds, while engineers and sabotage teams disrupted roads, bridges, and mobility, and ambushes targeted Japanese foraging and supply routes. Across these theaters, the strategy was consistent: make Japanese control porous by destroying or capturing local nodes and forcing constant repairs, re-routing, escorts, and slowed reinforcement, so occupation logistics and strongpoint networks could not function reliably. This approach supported wider offensives by isolating strongpoints, draining enemy strength, and giving Communist base areas room to endure and expand.   #204 The One Hundred Regiment Offensive Phase Three Welcome to the Fall and Rise of China Podcast, I am your dutiful host Craig Watson. But, before we start I want to also remind you this podcast is only made possible through the efforts of Kings and Generals over at Youtube. Perhaps you want to learn more about the history of Asia? Kings and Generals have an assortment of episodes on history of asia and much more  so go give them a look over on Youtube. So please subscribe to Kings and Generals over at Youtube and to continue helping us produce this content please check out www.patreon.com/kingsandgenerals. If you are still hungry for some more history related content, over on my channel, the Pacific War Channel where I cover the history of China and Japan from the 19th century until the end of the Pacific War. After the two large-scale offensives carried out over wide areas of North China, the Japanese army did what it always did when control started to slip: it tried to turn mobile pressure back into something it could "manage" again. The Eighth Route Army's continued fighting had shown that Japanese-occupied space was not secure, and that base areas could still resist, strike, and persist even while under counterpressure. That was dangerous for occupation. If the enemy could keep operations going, Japanese lines of movement stayed uncertain and "stabilization" became a temporary illusion. To prevent the situation from worsening and to re-stabilize the occupied areas as quickly as possible, the Japanese mobilized heavy forces and launched retaliatory counter–"mopping-up" operations against anti-Japanese base areas in North China beginning October 6. The Japanese attempt wasn't only to punish; it was designed to take advantage of an asymmetry: the Eighth Route Army was striking and fighting continuously, and it did not have the luxury of resting, replenishing, and re-cohering as neatly as a garrison army might. Japanese commanders hoped that if they struck hard enough in enough places, the Communist main forces could be isolated, destroyed, or at least forced into a defensive posture that would break their operational tempo. At Liaodong and Yulin, Japanese reinforcements also created a second political-military stake. After the Yuliao Campaign ended, the Eighth Route Army headquarters issued instructions on October 1 to major regions, warning that enemy reinforcements in Liaodong and Yulin might use the opening to "sweep" the Taibei region. In the Communist operational mind, this wasn't just one threat; it was a pattern. A "sweep" could come as a wave that pushed inward, burned villages, destroyed supplies, and tried to force Communist forces out of their protected networks. Even if the offensive couldn't win a conventional decisive battle, it could aim to strip the base areas of people, food, and mobility—things that make guerrilla and strongpoint warfare possible. By October 19, 1940, the Eighth Route Army headquarters issued a counter–"mopping-up" operation plan, and civilian and military authorities in various regions launched counter-"mopping-up" operations accordingly. This is important background: in these campaigns, "mopping-up" was not only an army activity. The Japanese were attempting to break the base system itself—its logistics, its local administration, and the relationship between armed units and civilians who hid, moved, fed, and replaced them. So the counter-operations had to be just as systemic. The Communists needed to keep people alive, keep movement possible, and keep the enemy from consolidating inside a cleared space. In southeastern Shanxi's Taihang and Taiyue regions, the Japanese 1st Army aimed to strike the main force of the 129th Division and destroy anti-Japanese base areas by running a series of mopping operations from October 6 to December 5. The plan had a typical occupation logic: push through strongholds gradually, clear pockets methodically, and rely on local superiority—especially in manpower, logistics, and the ability to reinforce by road. And because the Communist main force had been operating without meaningful rest after the earlier offensives, the Japanese believed they could catch formations while they were still "in between battles." On October 6, in the Taihang region, more than 800 enemy troops from Wu'an in western Hebei began a "mopping-up" operation in the Yangyi area. By October 11, the Japanese posture escalated. Part of the Japanese Independent Mixed 4th Brigade departed from Liaoxian and Wuxiang, while part of the 36th Division departed from Lucheng and Xiangyuan; together they totaled over 3,000 troops. Coordinating from north and south, they carried out operations to "mop up" both banks of the Zhuozhang River between Yulin, Liaoxian, and Wuxiang, encircling and clearing the south side of the Yulin–Liaoxian highway. This emphasis on riverbanks and highway corridors reveals the Japanese method: move along terrain that controls movement, then compress enemy options until the defenders have to fight inside a narrowing space. The counter to that method required more than bravery. The Eighth Route Army's 385th and 386th Brigades, along with the 1st Column of the Decisive Battle, fought on inner lines—where they could move more rapidly between known local positions and threaten the enemy's flanks or supply behavior. Meanwhile the New 10th Brigade fought on outer lines, where it could intercept, delay, and force the enemy to spend time reacting instead of clearing. By the morning of October 15, the New 10th Brigade delivered a concrete example of that interception strategy. Two regiments ambushed an enemy motor-transport convoy at Gongjiagou on the Heliao Highway, destroying more than 40 vehicles and annihilating more than 100 Japanese soldiers escorting the convoy. The meaning of a convoy ambush is strategic even when the numbers are modest: vehicles represent speed, logistics, and reinforcement. If the enemy loses vehicles repeatedly, "mopping" becomes slower, and slower clearing creates openings for the defenders to reorganize, disperse, or shift main effort. After that, on October 17, the enemy forces that had been mopping up the convoy withdrew in different directions. Withdrawal in multiple directions is a sign that the Japanese clearing operation, meant to compress a space, had instead been forced into a reactive mode. It also hints at a recurring pattern in these years: Japanese units could clear what was already weak, but when defenders hit their movement corridors, the occupiers had to spend time and combat power simply to recover mobility. The next major sweep began October 20, 1940, and it was much larger. Nearly 10,000 troops—from the 36th Division and Independent Mixed Brigade No. 4—set off from multiple locations, including Wu'an, Liaoxian, Wuxiang, and Lucheng, to sweep the area east and west of the Qingzhang River, focusing on land between Matian and Zuohui. Crucially, that was not random ground. The Japanese sought to strike the CCP Central Committee Northern Bureau, the Eighth Route Army headquarters, and the 129th Division headquarters, along with party and government organs of the Jin-Ji-Yu Border Region, located together with Shexian and Piancheng. In other words, the Japanese targeted not just armed units but the political-administrative heart that makes base areas function. Once in the attack area, the Japanese carried out "mopping-up" operations paired with burning and killing for several days. That brutality wasn't only cruelty; it served a purpose. Burning villages, destroying crops, and killing civilians could deny the base area food and shelter while making local cooperation more difficult. Then, on October 26, the Japanese began to withdraw and carried out mopping-up in different areas on the way back. The base area was "severely damaged and destroyed," indicating that even when the Japanese didn't annihilate the main Communist force, they could still achieve degradation—hurting the system they needed to keep operating. But the Communists were not simply absorbing damage. On October 29, a force of over 500 men from the 36th Division, plus over 400 supply and laborers, was mopping up Huangyandong and advanced through Zuohui to Guanjia'nao east of Panlong, preparing to return to Wuxiang. This is where counter-mopping becomes operationally dangerous for the occupier. Supply and labor detachments move differently from combat formations, and they represent an enemy's assumption that the base area is being "cleared." The Eighth Route Army headquarters ordered, at 1:00 p.m., for the 129th Division to concentrate its main force to annihilate the enemy. That night, the 129th Division—uniting the main forces of the 385th and 386th Brigades, parts of the New 10th Brigade, and the First Column of the Death Squad—surrounded the enemy at Guanjia'nao with a plan to launch a general offensive at 4:00 a.m. The besieged enemy, besides quickly building fortifications, seized Fengkengding high ground southwest of Guanjia'nao under cover of darkness. The two high points helped defenders support one another and resist stubbornly. The battle lasted until dawn on October 31, when most of the enemy had been annihilated, leaving only more than 60 men to hold positions. Then reinforcements arrived—over 1,500 from Huangyandong—supported by more than 10 aircraft. The 129th Division withdrew, and the remaining enemy fled toward the flood, leaving behind more than 280 corpses. By then, most Japanese troops had withdrawn from the central base area. The background stake is clear: "mopping-up" could damage and burn, but if defenders could convert the Japanese attempt into a trap—especially when enemy units had become separated from their core and committed to clearing—they could turn a destructive operation into a costly one for the occupier. In early November, the Japanese continued. In Licheng south of Taihang, Japanese forces invaded Nanweiquan and Beiweiquan and then Xijing. Elsewhere, Japanese forces in Xiangyuan invaded Panlong via Xiying, attempting to attack Dongtian and the area around Zhuanbi, where the Eighth Route Army headquarters was located. In that moment, the 386th Brigade was ordered to rush to the north–south line of Damocun, east of Panlong, block the invading enemy, and cover the transfer of the Eighth Route Army headquarters. At 9:00 a.m. on November 3, 1940, fierce fighting broke out as the troops finished deploying near Damocun. The Japanese launched continuous attacks and captured some positions. The 386th Brigade held until 4:00 a.m. on November 4, then withdrew after the headquarters successfully moved. The Japanese attempt to launch a pincer attack failed, and they retreated to the Baijin Line on November 5. Even when Japanese action couldn't be fully blocked, the counter's aim was not only tactical survival but prevention of strategic encirclement—protecting the central institutions and preserving the ability to fight again. In the northern Taihang region, more than 2,500 enemy troops from Heshun arrived in Yushe on November 3 via Hanwang Town and Changcheng Town, reinforcing Japanese forces in the Yu, Liao, and Wu areas. Then they carried out repeated mopping operations south of the Yuliao Highway, including Jiangtang, Lingshang, Songjiazhuang, Guojiao, and Dayouyi. Harassment and attacks by military and civilians forced Japanese troops back into their strongholds by the 13th. A "40-day" counter-mopping operation in Taihang came to an end. The term "40-day" isn't only calendar time; it suggests that these were not one-off battles but sustained campaigns of movement, dispersal, and repeated harassment meant to drain the enemy's capacity. Starting November 17, the Japanese launched a multi-pronged attack on Qinyuan and the area north of Guodao Town. The attack involved part of the 37th Division from Qin County and Nanguan Town, part of the Independent Mixed Brigade from Pingyao, Jiexiu, and Huo County, and a battalion of the 41st Division from Hongdong—more than 7,000 troops deployed to attack Qinyuan and the north area. But the Taiyue Military Region response shows how the Communist counter-mopping wasn't always to meet force with force. To avoid the enemy's "sharp edge," the Taiyue Military Region formed two detachments—Qin East and Qin West—with leadership and main force moving to both sides of the Qin River outside the Japanese attack zone, targeting scattered Japanese troops instead of being fixed into a single killing field. By November 23, due to harassment by local armed forces, the Japanese reached the attack zone and then carried out dispersed mopping operations. Qinyuan County was the most severely damaged, with more than 5,000 people killed (about one-tenth of its population), nearly 10,000 livestock killed and over 7,000 stolen, and 30,000 to 40,000 houses destroyed. Those details are brutal, but they explain why background stakes mattered: "mopping-up" was meant to break the social base. If civilians died or fled, the guerrilla system became harder to sustain. The response from the Dayue Military Region seized the opportunity created by Japanese dispersal. On November 23, the 42nd Regiment of the Qinxi Detachment annihilated more than 100 Japanese soldiers in Guantan. On November 27, parts of the 42nd and 59th Regiments killed or wounded more than 160 in Huhanping and Mabei. The Qindong Detachment's 17th and 57th Regiments inflicted serious damage in a series of places—Guang'ao, Chenjiagou, Longfosi, Wuyuanzhen, Nanweicun, Nanli, and more. The 17th Regiment's battle at Longfosi annihilated more than 100 Japanese. Additional heavy losses were inflicted by the 212th Brigade in Jiaokou. By December 5, the Japanese were forced to withdraw from the Taiyue area in separate routes. Strategically, dispersal punished the occupier because scattered units are harder to protect and easier to ambush. Across the Jin-Cha-Ji Border Region, anti-"mopping-up" operations unfolded gradually, beginning with the Pingxi area, the first target of the Japanese on the path toward the Japanese-held headquarters and rail lines. Pingxi mattered because it directly threatened the headquarters of the Japanese North China Area Army and Beiping—the puppet regime's center—and also threatened the Pinghan and Pingsui railways, North China's main transportation lines. So Pingxi became an operational priority: if the occupier couldn't keep the rail network secure, their ability to reinforce and supply their own strongpoints suffered. On October 13, 1940, more than 10,000 Japanese and puppet troops attacked Sanpo, the central area of the Pingxi base area, in 10 routes. This attack used a methodical, steady approach: advance gradually, rely on strongholds, and cover 5 to 10 kilometers each day. In response, the Pingxi Military Sub-district countered using timely maneuvers of its main forces and extensive guerrilla warfare. Over more than a week of fighting, the enemy was constantly harassed and attacked, wearing them down. Although Japanese troops penetrated deep, they failed to identify the main force's movements. By November 21, when the encirclement tightened further, the Pingxi main force jumped out from the Sanpo area and moved southwest. Encountering the enemy at Pengtou, it then moved to the Yegu and Datai line east of Bancheng. After the Japanese entered the Sanpo area, they conducted widespread burning and killing and looted grain. Starting from the 23rd, the Japanese retreated in different routes. By the end of October, the main force had withdrawn from Pingxi, but more than 2,000 troops remained in the Pingxi anti-Japanese base area to build strongholds and roads. Strongholds were added in places like Changping and Wanping—14 strongholds alone—and villages such as Dongzhaitang and Dujiazhuang came under their control. The base area began to shrink and shrink. That shrinkage is the other background stake: even when guerrilla forces avoid annihilation, the occupier may still carve away space through fortification. On October 19, 1940, the Eighth Route Army headquarters instructed that enemy attacks in Pingxi and Taihang might turn around and attack the Beiyue area. The Jin-Cha-Ji Border Region needed to prepare quickly to crush these "mopping-up" operations, coordinating Party, government, military, and civilians and conducting in-depth combat mobilization. The main force should assemble in appropriate positions and prepare to annihilate one or two enemy forces decisively. The headquarters also instructed the 129th and 120th Divisions to cooperate actively. By November 9, 1940, the Japanese struck again in a massive sweep. The 110th Division, along with other units and more than 14,000 puppet troops, launched a "mopping-up" operation in the jurisdiction of the 1st Military Sub-district. The Japanese and puppet troops moved in coordinated lines: along the line of Yi County, Dalonghua, Wang'an Town, Laiyuan, and Chajianling from north to south, while those in Baoding and Mancheng moved east to west. The intent was to squeeze Communist sub-district forces into a narrow area for a decisive battle. On November 10, the Jin-Cha-Ji Military Region issued operational guidelines and deployments for countering "mopping-up" operations. By the 12th, in response to Japanese widespread burning and killing, it further instructed that without hindering mobility, the main force could disperse a portion of troops—no more than one-third—to strike resolutely at attempts to burn and kill. That instruction captures the balance commanders tried to strike: disperse too much and you lose power; disperse too little and you become trapped by the occupier's brutality. The Japanese then attempted to pressure multiple places. On November 9, more than 6,000 enemy troops from Laiyuan, Yixian, and Baoding attacked Guantou, Yinfang, Huangtuling, and Shenbei. On the 12th, their attack failed; they burned and killed people before retreating in different routes. At that time, the 1st Military Sub-district assembled the 1st and 25th Regiments to intercept them. One enemy force of more than 800 was intercepted on the 14th as it retreated from Wujiazhuang to Yuangang; some were killed or wounded. Even so, the enemy broke through under aircraft cover and retreated to Guantou. On the way, it was intercepted again by the 20th Regiment, suffering heavy casualties, and it fled back to Mancheng. Then on November 13, more than 2,700 Japanese and puppet troops attacked the 3rd Military Sub-district; on November 14, about 2,600 advanced from Dingxiang, Dongye, and Wutai toward Fuping and its southwest area in two routes. The Japanese attacked with east-west coordination, launching joint attacks on Taiyu north of Fuping. The Jin-Cha-Ji Military Region headquarters and the command organs of the 3rd and 5th military sub-districts, along with the 2nd, 3rd, and 6th regiments and other troops, transferred to the outer line before the enemy encirclement formed. On the 16th, the Japanese launched a joint attack again on Taiyu and Zhangjiayu, and the guerrillas who failed to transfer fought hard. Commander Wang Pu and Deputy Director of the Political Department Hao Yuming were killed, and troops suffered more than 100 casualties. On November 18, the enemy from Taiyu quickly occupied Hanping City. By the 21st, enemy forces from Daying via Shentangbao and Wuwangkou, and from Wutai via Taihuai, Shizui, Longquanguan, and Xiaguan, also gathered in Fuping City. After occupying Fuping, the Japanese launched repeated attacks "sweeping" areas under the jurisdiction of the 3rd Military Sub-district from both inward and outward strongholds, conducting brutal burning and killing and destruction. On the night of November 21, the 2nd Regiment dispatched more than 30 men to raid Dangcheng and attack Japanese barracks with grenades. The Japanese panicked and fired guns and cannons all night. On the 26th, four plainclothes officers infiltrated Baoding and attacked a theater where the Japanese army was holding a meeting, causing panic among the Japanese. The enemy that had invaded the base area withdrew in different routes on the 25th. By December 3, 1940, most Japanese troops had withdrawn from the Beiyue area, but more than 1,000 remained along lines including Fuping, Wangkuai, Dangcheng, and Quyang to continue building points and roads in an attempt to occupy the area long-term. To force the enemy back, eliminate occupied points, and completely crush Japanese and puppet "mopping-up," the Jin-Cha-Ji Military Region organized the Fuping–Wangkuai Campaign starting December 9, with the 2nd, 3rd, 4th, and 6th regiments participating. At 21:00 on December 14, the 6th Regiment attacked enemy forces in Dongzhuang. The 1st Battalion captured three fortified positions on the north mountain of Dongzhuang and rushed into the village, only for Japanese counterattacks to recapture fortified positions and kill or wound more than 170 Japanese during the counterfight. The 4th Regiment attacked the enemy in Fuping; the 2nd Regiment and guerrilla forces entered Dangcheng and Lingshan. On the 21st, more than 130 enemy soldiers escorting more than 100 pack animals carrying military supplies reached Wangkuai and were completely annihilated when they reached Wanglinkou. By December 26, an ambush in the Xuancun area of the Pinghan Railway destroyed 14 Japanese trains and their vehicles as well as three heavy artillery pieces. On the 27th, more than 1,200 enemy troops advancing from Dongzhuang in Fuping were attacked in Luoyu and Tumen, suffering more than 140 casualties. The remaining Japanese withdrew from Fuping, Dongzhuang, and Wangkuai starting New Year's Day 1941. By January 4, the 55-day anti-"mopping-up" campaign had basically ended, with the Jin-Cha-Ji Military Region killing and wounding more than 2,000 Japanese and puppet troops while suffering 1,382 casualties itself. These numbers and dates show why background and stakes matter: the counter-mopping effort wasn't short. It was sustained, operationally demanding, and required continued offensive action even while facing superior Japanese resources. The pressure didn't end there. From October 25 to early November, about 4,000 Japanese troops, including the 16th Independent Mixed Brigade, launched a mopping operation in the Miyu and Loufan areas of the 8th and 3rd military sub-districts in northwestern Shanxi, but they were attacked by local soldiers and civilians. In mid-December, Japanese forces transferred additional strength: parts of the 37th Division from southern Shanxi and the 41st Division from southeastern Shanxi, along with parts of the 3rd, 9th, and 16th Independent Mixed Brigades and the 26th Division from northwestern Shanxi—totaling more than 20,000 troops—to prepare for a full-scale mopping operation in northwestern Shanxi. After the second phase of the Hundred Regiments Offensive ended, the 120th Division anticipated retaliation and actively prepared for counter-mopping. On October 30, the division was ordered to establish the Jin-Northwest Military Region, and on November 7, the military region was established in Lijiawan, Xing County. The Jin-Northwest Military Region had direct military sub-districts and six military sub-districts: the 2nd, 3rd, 4th, 8th, and Yanbei. Then the occupier escalated. Starting December 14, 1940, the Japanese launched a full-scale mopping operation against the Jin-Northwest region. More than 5,000 enemy troops invaded the Mi-Yu Town area of the 8th Military Sub-district, more than 4,000 invaded Lin-Xian, and more than 6,000 attacked Xing-Xian and the area south of Bao-De from strongholds such as Lan-Xian and Qi-Lan. By December 23, Japanese forces had occupied all county towns, most market towns, and Yellow River crossings in the Jin-Northwest region except for Bao-De and He-Qu counties, and began to implement a systematic policy commonly described as the "Three Alls" policy. The "Three Alls" emphasis is the clearest expression of stakes turning lethal. Japanese troops and traitors disguised themselves as the Eighth Route Army to lure and kill masses. They sent out core detachments to attack and repeatedly sweep the area, seeking to annihilate party, government, and military leadership organs—focusing on destroying the rear organs and facilities that made Communist endurance possible. According to incomplete statistics, more than 5,000 people were brutally killed during these sweeps. In Xingxian County alone, 150,000 catties of grain were looted and burned; in the 4th Military Sub-district, more than 5,000 head of livestock were looted and killed; and more than 19,000 houses and cave dwellings were burned down. In the early stage of this anti-mopping campaign, the Jin-Sui Military Region mainly used a portion of its forces to cooperate with local troops and guerrillas in widespread guerrilla warfare. They harassed and contained the attacking enemy, disrupted enemy transportation, and covered the transfer of the masses. The main force avoided the enemy's sharp edge and moved to the outer line to seek opportunities to attack the Japanese army. This describes the classic guerrilla operational pattern: avoid being fixed into a single decisive trap, but create enough friction that enemy operations degrade into a struggle they can't sustain. repeated attacks and ambushes during the mopping period across Miyu Town and other areas—units striking repeatedly, destroying roads, cutting off enemy transportation, and attacking enemy strongholds north of Dawu. To thwart the Japanese army's plans to build roads and fortifications—plans that would make future sweeps easier—the Jin-Sui Military Region instructed, on December 27, all sub-districts to mobilize forces to disrupt Japanese road construction and fortification. The 358th Brigade attacked enemy road construction from Lanxian to Dashetou and from Puming to Chijianling; the Independent 1st Brigade sabotaged the Dawu–Linxian highway; and the 4th Column of the Death Squad sabotaged the Dawu–Fangshan highway. Part of the Independent 1st Brigade's 2nd Regiment organized over 2,000 civilians to sabotage the Dawu–Sanjiao highway twice, forcing the enemy in Linxian to detour through Fangshan to contact Lishi. The Lishi guerrillas led civilians in two sabotage attacks on the Lishi–Jundu highway, destroying over 30 "li" of road. Other units attacked strongholds along key highways and destroyed or disrupted the "maintenance committees" that surrounded newly built enemy strongholds. There were also direct raids—storming into Linxian County and capturing representatives of enemy maintenance organizations. Meanwhile, the Workers' and Patriots' Brigade carried out continuous sabotage on the Taifen Highway. As the enemy plans ran into persistent disruption, Japanese and puppet forces began to retreat in different routes starting January 2, 1941, and by January 24 they returned to their original strongholds. The Jin-Sui winter counter-mopping operation lasted 40 days, annihilated more than 2,500 enemy troops, destroyed 125 kilometers of roads and 23 bridges, and recovered all towns occupied by the enemy during the campaign. Here the stakes show through most clearly: the campaign was not merely about killing enemy troops. It was about preventing the occupier from building a durable, road-connected grid that would allow future sweeps to be faster, larger, and more decisive. At the wider campaign level, the Eighth Route Army also recorded its total effects from August 20 to December 5, covering roughly three and a half months. During that period, the Eighth Route Army fought 1,824 battles of varying sizes, killing or wounding 20,645 Japanese soldiers (including senior officers), killing or wounding 5,155 puppet troops, and capturing 281 Japanese soldiers and 18,407 puppet troops. 47 Japanese soldiers surrendered voluntarily, and 1,845 puppet troops defected, totaling 46,380 people. The Communists captured 5,942 guns and 53 artillery pieces, and destroyed extensive transportation infrastructure: 474 kilometers of railway, 1,502 kilometers of highway, 213 bridges, 37 railway stations, 11 tunnels, more than 217,000 rails, more than 1,549,000 sleepers, more than 109,000 telephone poles, and more than 424,000 kilograms of telephone wire. Five coal mines and 11 warehouses were destroyed. The narrative further adds that when including casualties of Japanese and puppet forces across related engagements—such as Fuwang and the anti–mopping operations in northwest Shanxi—the total number of casualties reached more than 50,880. Japanese statistics were also cited for damage assessment, noting destruction of track and bridges across key railways (Zhengtai, Tongpu, Pinghan), telegraph pole damage, power line cuts, and effects on coal production—such as the Jingxing New Mine being unable to produce coal for at least six months. These details underline a broader background stake: infrastructure damage was meant to weaken the occupier's ability to keep its occupation apparatus working, even after the direct battles ended. The price of that multi-month struggle was high for the Eighth Route Army as well. Over the three and a half months leading up to the Hundred Regiments Offensive, the Eighth Route Army suffered 17,000 casualties, and more than 20,000 were poisoned. During the Hundred Regiments Offensive itself, post-war statistics state that the 129th Division suffered 7,362 casualties and 450 missing persons, and the entire division suffered 7,812 casualties. When you connect these lines—offensive sabotage, counter-offensives, Japanese mopping-ups, and anti-mopping resistance—you see why this second wave of fighting mattered. It wasn't only about whether the Japanese could respond to the offensive. It was about whether both sides could sustain their operational logic: the Japanese trying to stabilize occupation through "mopping," and the Communists trying to preserve base systems through dispersal, harassment, and counter-moves that convert the occupier's clearing effort into something too costly to maintain. The background of the Hundred Regiments offensive, who authorized it, who planned it, and why, remains unclear. The Japanese response was so severe that, in retrospect, it appeared to some as if the offensive had been a mistake. Some leaders, especially Mao, may have wanted to disavow it. Indirect hints in Mao's writings in subsequent months and years suggest he may have viewed it critically or harbored misgivings from the start. It was not the kind of strategy Mao preferred. More than twenty years later, during the Cultural Revolution, Red Guards charged that Mao had not even known of the plan in advance because of Peng Dehuai's alleged duplicity, at the time, Peng was being denounced. While this seems unlikely, it may contain some substance. In his own defense against these charges, Peng stated that after the 8RA headquarters—located not in Yan'an but in Jin-Cha-Ji—planned the operation, it sent mobilization orders downward to each regional command and also notified the Central Military Affairs Commission headed by Mao. In the original plan, the action would begin in early September. But, Peng wrote, to prevent enemy discovery and to ensure simultaneous surprise assaults—thereby inflicting an even greater blow to the enemy and the puppets—they began about ten days earlier than scheduled, during the last week of August. "So we did not wait for approval from the Military Affairs Commission (this was wrong), but went right into combat earlier than planned." There is also the issue of the "spontaneous" participation of more than eighty regiments without authorization from the Eighth Route Army headquarters, and not from Yan'an as well. If Peng Dehuai's account is accepted (written in 1970, shortly before his death), then Mao and Party Central had no role in conceiving or planning the Hundred Regiments campaign. In that case, the "grand strategy" motivations for undertaking it largely vanish—except perhaps insofar as they were considered by Peng and his colleagues. One alleged motive was to counter any tendency toward capitulation by Chiang Kai-shek and the Chongqing regime: if the war heated up and the CCP threw itself into fighting, any accommodation between Chiang and Japan would look like cowardly surrender. A related consideration was the Communist leadership's sensitivity to the charge that they were simply exploiting the war to expand their influence—avoiding Japanese combat while letting KMT armies bear the real burden of fighting. The Nationalists gave major publicity to the accusation that CCP policy devoted 70 percent of effort to expansion, 20 percent to coping with the KMT, and only 10 percent to opposing Japan. A third suggested motive was to divert attention from the New Fourth Army's offensives against Nationalist forces in Central China, which were peaking around the same time. Peng Dehuai acknowledged the campaign was "too protracted," yet he defended its importance in maintaining the CCP's anti-Japanese image in the wake of anti-friction conflicts, in demonstrating the failure of the cage-and-silkworm policy, in returning at least twenty-six county seats to base control, and in keeping "wavering" elements in line. Even if these reasons mattered less than regional and tactical calculations in launching the campaign, they could always be used for propaganda afterward. Whatever misgivings Mao and Party Central may have had, the Party kept them to itself. Mao radioed congratulations to Peng after his victory, and in public statements the Hundred Regiments were turned into legend. Even if the Hundred Regiments campaign aimed to defeat Japanese pacification efforts, it did not succeed in a decisive way. Shocked and stung by the 8RA's action, the North China Area Army intensified its efforts to bring North China under tighter control. Under General Tada and then his successor, General Okamura Yasuji (July 1941–November 1944), the Japanese inflicted brutal, sustained violence against all North China bases. Between 1941 and 1944, about 150,000 Japanese troops were assigned full-time to pacification duty, supported by roughly 100,000 Chinese auxiliaries of widely varying description and effectiveness. The remainder of the NCAA (about 150,000–200,000 men) was assigned to other tasks such as garrisoning major cities and containing Nationalist forces. Communist regulars were estimated at around 250,000 within base areas and 40,000 in SKN. The Japanese and their Chinese auxiliaries invested even more heavily than before in constructing moats, ditches, palisades, and blockhouses. Japanese sources claimed that by 1942 their forces had built 11,860 kilometers of blockade line and 7,700 fortified posts, mostly in the Hebei plains and the foothills of the Taihang mountains. A massive trench ran for 500 kilometers along the western side of the Pinghan railway line, with a depopulated and constantly patrolled zone on either side. The 250 Japanese outposts established in southern Hebei by December 1940 were more than quadrupled by mid-1942. These became the key means of controlling plains areas; by the end of 1941, all Communist bases in such terrain had been reduced to guerrilla status. Many main force units—such as those under Liu Cheng'ao and Yang Xiufeng—were compelled to move westward into mountains to survive. What distinguished the new Tada–Okamura approach from earlier tactics was the much larger and more protracted search-and-destroy thrust into the core mountain-base areas. They also replaced selective repression with indiscriminate, generalized violence. These infamous "Three-All" mop-up campaigns meant: kill all, burn all, loot all. Unable to distinguish ordinary peasants from Communists, the Japanese waged war on everyone. After attempting to seal off major consolidated regions in the base areas, they sent in very large detachments to search for Communist forces, civilian cadres, and activists. They also tried to destroy base facilities and war material stockpiles; to disrupt agriculture by burning crops or interfering with planting and harvesting; and to seize grain stores. Entire villages were razed, and everything alive found there was killed. Unlike earlier mop-ups that swept through an area and then departed, these campaigns left troops in the targeted zones for extended periods, "combing" the area back and forth and building at least temporary strongpoints in more accessible parts of mountain bases. These mop-up operations took a heavy and painful toll on rural populations. No doubt the harsh tactics and atrocities frequently committed during these actions did cause many peasants, rich and poor alike, to harbor deep hatred of the Japanese and to commit more fully to the Communist side. But intra-party sources also portray cases in which repression worked even more effectively than earlier attempts to drive a wedge between party and peasantry. As one internal assessment put it: If we only stress concealment… we are bound to be divorced from the masses. The morale of the masses cannot be sustained for long either. On the other hand, if we only seek fleeting gratification in careless fighting, we may also invite still more cruel enemy suppression. That will also alienate the masses. Communist spokesmen acknowledged that, in North China base areas, the population under Party control fell from 44 million to 25 million, while the Eighth Route Army declined from 400,000 to 300,000. Local records present an even grimmer picture. By 1942, 90 percent of the plains bases had been reduced to guerrilla zones or outright enemy control. In the mountainous Taiyue district within the Jin-Cha-Lu-Yi base, one cadre admitted that "not a single county was kept intact and the government offices of all its twelve counties were exiled in Jin-yuan." All twenty-six county seats occupied following the Hundred Regiments fighting were lost. I would like to take this time to remind you all that this podcast is only made possible through the efforts of Kings and Generals over at Youtube. Please go subscribe to Kings and Generals over at Youtube and to continue helping us produce this content please check out www.patreon.com/kingsandgenerals. If you are still hungry after that, give my personal channel a look over at The Pacific War Channel at Youtube, it would mean a lot to me. Japan tried to regain control through retaliatory "mopping-up" operations starting in October 1940. In response, the Eighth Route Army and its commanders issued counter-measures: coordinate party, government, military, and civilians; keep mobility while dispersing forces when possible; and focus on annihilating incoming enemy units decisively. Counter-sweeps and anti-pacification actions continued through December, involving repeated ambushes and sabotage of roads, highways, and fortification efforts. 

There's a lot to be said for the excitement we feel when we first set a goal for ourselves. The sense of exhilaration can give us the momentum we need to get started. But when the exhilaration wears off – and it usually does – we're faced with a choice. Will we revert to old habits or develop new ones? These moments are what Jonathan Rhodes calls choice points, and the decisions we make can really add up. Ultimately, how we manage ourselves in these moments can be the difference between the life we have and the life we want. That's why I wanted to interview Jonathan Rhodes, author of the book, The Choice Point: The Scientifically Proven Method to Push Past Mental Walls and Achieve Your Goals. His Functional Imagery Training provides a concrete roadmap to help us stay the course. Episode Links Tokyo 2020: Simone Biles' Withdrawal is a Sign of Resilience and Strength How to Overcome Self-Limiting Beliefs The Good Life: Lessons from the World's Longest Scientific Study of Happiness by Robert Waldinger and Marc Schulz The Team Learn more about host, Gayle Allen, and producer, Rob Mancabelli, here. Support the Podcast If you like the show, please rate and review it on iTunes or wherever you subscribe, and tell a friend or family member about the show. Subscribe Click here and then scroll down to see a sample of sites where you can subscribe.

NBA Draft withdrawal deadline is tomorrow nightSee omnystudio.com/listener for privacy information.

Jim and Chris discuss listener emails on Social Security spousal benefits, portfolio withdrawal strategy for early retirement, HSA and Medicare premiums, the 4% rule, Roth self-employed 401(k)s, Roth conversions, and retirement trusts. (10:45) A listener asks whether her husband claiming Social Security on his own record before she files at 70, including as early as 62, would reduce his eventual spousal benefit, and in what circumstances an earlier filing might make sense for them. (20:45) She also asks how to structure her portfolio to cover a seven-year income gap before Social Security begins and fund a potential home purchase at retirement. (46:15) George and Georgette want to know which Medicare-related costs – IRMAA surcharges, Part D, and supplemental insurance – qualify for HSA reimbursement, and whether they can apply HSA funds retroactively to prior-year premiums. (54:30) The guys address the idea that money reimbursed from an HSA isn’t restricted to medical use, so saving receipts over the years can turn an HSA into a source of tax-free cash for virtually any expense. (1:01:15) A listener compares the 4% rule to Newton’s laws of motion – foundational but not the final word – and describing how he’s combining that framework with their retirement income approach for his own long-range planning. (1:08:30) Jim and Chris share a listener’s PSA that Fidelity began offering a Roth self-employed 401(k) in 2025, in response to a question from a recent episode. (1:11:30) One listener pushes back on the idea that Roth conversions only make sense at a lower tax bracket, walking through a math example to show that tax-free compounding can make converting at the same — or even a higher — bracket financially worthwhile. (1:17:45) George has structured his IRA with a testamentary trust for a financially irresponsible adult child and asks whether a “retirement trust”, could allow the trust to receive IRA assets without the compressed tax rates that typically apply to trusts. The post Social Security, Withdrawal Strategy, HSAs, 4% Rule, Roths, Retirement Trust: Q&A #2621 appeared first on The Retirement and IRA Show.

Let's talk about Trump's withdrawal from a defense board with Canada....

BUY TICKETS TO DOPEY SHORT FILM FESTIVAL: https://buytickets.at/thedopeyfoundation/2216905 Join Patreon For Cheap Tickets and much more: www.patreon.com/dopeypodcast Long Summary Notes: Dave opens the Dopey Total Replay by revisiting Episode 27, “Detox Withdrawal,” one of the earliest foundational episodes of Dopey. He explains how the episode introduced both graphic designer Ryan — creator of the iconic nodding Dopey logo — and Todd Curry, Dave's longtime using buddy who would later die in 2018, just weeks before Chris. Dave reflects on Chris's original idea for a “Dopey Stories” book made up of listener submissions and stories from the show. He talks about failed attempts to pitch the project to publishers and wonders whether self-publishing a Dopey book on Amazon might finally make sense. He invites listeners to resend their best stories to dopeypodcast@gmail.com. Disclaimer: I think I called Spanish People Stupid - but it was meant totally with love. Dave then shifts into a recap of Music on the Mountain in Vermont, where he attended with Linda and the kids. He talks about seeing Anders Osborne, Daniel Donato, Jackie Greene, Karina Rykman, Eggy, Lamp, and others. Susan celebrates her eighth birthday and hilariously insists on introducing bands onstage after Dave lets her introduce Karina Rykman. Dave admits Susan might actually be a better MC than him. Dave promotes the upcoming Dopey Short Film Festival at the SVA Theater, mentioning Mountainside as a possible title sponsor and joking about Katz's desserts and Othello cookies potentially being involved. He reads Patreon and Spotify comments reacting to the previous replay episode, including discussion of Rush, Basketball Diaries, Knicks playoff hopes, bread basket addiction, and people missing Chris. Dave goes on multiple tangents about bread, fitness, the Knicks, and Cleveland versus Detroit. The replay itself begins with Chris and Dave just starting to record when Todd randomly calls in. Todd immediately launches into a story about getting arrested while allegedly trying to buy weed in a housing project. Chris and Dave immediately question the story while Todd insists he was only trying to buy marijuana. The conversation spirals into stories about community service, Delancey Street cleanup duty, reverse discrimination jokes, airport profiling, Todd's history with Dave, and their years selling drugs together. Chris openly campaigns for Todd to become a recurring Dopey guest while Dave resists because Todd is still actively using heroin and weed. Graphic designer Ryan joins the conversation and explains why he loved Dopey from the beginning — because it wasn't a traditional recovery podcast. He says recovery shows felt too church-like, while Dopey mixed active addiction stories with recovery in a way that could actually reach addicts. Todd and Dave argue about whether active users should appear on Dopey. Ryan attempts to sober coach Todd live on the air, asking him what heroin does for him emotionally. Todd admits heroin covers feelings of loneliness, insecurity, and self-hatred. He describes failed relationships, yoga classes, women, and using heroin to cope with emotional pain. Ryan explains the basics of abstinence and recovery while Todd half-jokes and half-confesses his inability to stop using. Chris mostly eggs the entire thing on while enjoying the chaos. The episode shifts into stories about Mountainside and the infamous “Phase Four” extended-care house. Ryan explains how he entered treatment planning only to save money for heroin afterward, but somehow ended up getting sober instead. Dave admits he originally thought Ryan would never stay sober, while Dave himself eventually relapsed despite appearing more serious about recovery at the time. Ryan tells wild detox stories involving escaping treatment during withdrawal, trading a $2,500 laptop for heroin bundles, walking through snowstorms, and eventually landing at Mountainside. The group discusses relapse, sobriety, AA sponsorship disasters, yoga, heroin addiction, and the randomness of getting sober. The episode eventually devolves into jokes about Dave's disgusting toenail, Instagram photos, podcast structure, and arguments about whether episodes should be one hour long. Chris insists on ending every episode with “Good So Bad,” while Dave complains nobody wants long podcasts — ironic considering modern Dopey episodes often run three hours. Back in present-day narration, Dave reflects emotionally on hearing Todd and Chris together again. He reveals that Todd eventually appeared on Dopey multiple times, including once when he left mid-recording to go downstairs and shoot heroin before returning to finish the episode high. Dave closes by talking about Ryan's later recovery work at Berkshire Transition Network and how foundational he was to early Dopey. He reflects on the pain, foreshadowing, and innocence captured in the episode before ending with “Good So Bad” and a tribute to Chris and Todd. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

President Trump's China challenge, antidepressants risks and withdrawal, U.S. farmers' fertilizer scramble, and building a Christian worldview. Plus, David Closson on targeting Christians, illegal mowing, and the Thursday morning newsSupport The World and Everything in It today at wng.org/donateAdditional support comes from Dordt University, whose online MBA and MPA programs prepare leaders for lasting impact. Dordt University. Until All Is Made New.From St. Dunstan's, inviting young men into the building arts and the adventure of holiness on a Blue Ridge Mountains farm... stdunstansacademy.orgAnd from WatersEdge. Most churches aren't ready if their bookkeeper left tomorrow. WatersEdge Ministry Accounting is. Watersedge.com/accounting WatersEdge securities are subject to certain risk factors as described in our Offering Circular and are not FDIC or SIPC insured. This is not an offer to sell or solicit securities. WatersEdge offers and sells securities only where authorized; this offering is made solely by our Offering Circular.