Podcasts about Your Money

Money isn't just math. It's feelings.In this episode of the Free Lunch Podcast, Greg and Colin sit down with special guest Carl Richards, author, and creator of The Behavior Gap, to talk about his new book Your Money.They explore why financial planning is less about spreadsheets and more about meaning, values, and the conversations we have never been taught to have.

You've heard Joe and Big Al talk about the benefits of tax diversification in retirement. That is, having money in tax-deferred, tax-free, and taxable accounts. But what should you do if this tax triangle of yours is lopsided? Joe and our special guest co-host, Marc Horner, CFP®, spitball on this quandary for Rae and Roy in Central California, today on Your Money, Your Wealth® podcast number 544. Plus, do Rae or Roy need to get a part-time job? Also, "Elwood Blues" in Illinois would like to retire in two years, but is willing to go for 3 more to make his retirement plan work. Joe and Marc spitball on when "Elwood" can really put down that harmonica. Free financial resources & episode transcript: https://bit.ly/ymyw-544 Complete the 8th Annual YMYW Podcast Survey by 5pm Pacific on August 31, 2025, for your chance at a $100 Amazon e-gift card! (secret password: ymyw) WATCH 15 Maneuvers to Duck an Unplanned Early Retirement Knockout on YMYW TV CALCULATE your free Financial Blueprint ASK Joe & Big Al for your Retirement Spitball Analysis SCHEDULE your Free Financial Assessment LEAVE YOUR HONEST RATINGS AND REVIEWS on Apple Podcasts SUBSCRIBE or FOLLOW on your favorite podcast app JOIN THE CONVERSATION on YouTube DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter Timestamps: 00:00 - Intro: This Week on the YMYW Podcast with Joe Anderson, CFP® and Marc Horner, CFP® 00:49 - Our Tax Triangle is Lopsided. Should One of Us Get a Part-Time Job? (Rae and Roy, Central CA) 12:03 - Watch 15 Maneuvers to Duck an Unplanned Early Retirement Knockout, Calculate your Financial Blueprint, Schedule a Financial Assessment 13:11 - I'd Like to Retire in 2 Years. Willing to Work 3 More to Make it Work (Elwood Blues, IL) 27:10 - Next Week on YMYW Podcast: The One Big Beautiful Bill + More 27:40 - YMYW Podcast Outro

In this episode of Your Money, Your Mission., host Kelly Mould interviews Jill Haupt, a retiree and former head of private banking at Johnson Financial Group. Jill shares her experiences and insights on planning for a comfortable retirement, including the importance of starting early, maximizing employer-offered retirement plans and considering healthcare costs. She also discusses the value of downsizing, tax-deferred investing and maintaining physical and mental health in retirement. By sharing her story, Jill provides practical strategies for achieving a secure and fulfilling retirement. 

Welcome to another great episode of the Building Your Money Machine Show! If you've ever felt like you're doing all the right things—saving, hustling, even dabbling in investing—but still not seeing your wealth build the way you'd hoped, you are absolutely not alone. Today, I'm flipping the script and sharing the eight habits you need to stop if you want to quietly and effectively build lasting wealth. Trust me, these aren't the typical suspects you see in every personal finance blog; these are the sneaky “financial termites” that erode your wealth from the inside out—often disguised as normal behaviors you barely even notice.Looking back, I wish I'd known about these much sooner. So today, I break them down for you—no fluff, just straight talk—from my own 30-year journey as a financial expert, entrepreneur, and mentor. Our mission? To help you master your money, eliminate financial stress, and live a life of choice. Because guess what? Earning more doesn't make you free—a money machine does.Get ready for a dose of financial education, some sarcasm, and a whole lot of heart, as I pull the curtain back on the silent habits you need to stop.IN TODAY'S EPISODE, I DISCUSS:Why you need to stop worshiping the concept of “good debt”How wearing “busy” like a badge of honor is a trapWhy waiting for the perfect time to invest is costing you millionsThe danger of letting every raise become a lifestyle upgradeThe true cost of thinking in monthly payments instead of total cost or lost opportunityWhy delaying freedom and joy until “someday” is a recipe for regretRECOMMENDED EPISODES FOR YOUIf you liked this episode, click here to enjoy these and more:https://melabraham.com/show/ACCOUNTANT EXPLAINS: Why Net Worth Skyrockets At $100kMy Honest Advice To Anyone Who Wants To Get RichWhy Dumb People Are Making More Money Than You15 Things That Are a Complete Waste of Your MoneyIf The Dollar Is Collapsing - Is It Worth Saving Money?RECOMMENDED VIDEOS FOR YOU If you liked this video, you'll love these ones:ACCOUNTANT EXPLAINS: Why Net Worth Skyrockets At $100k: https://youtu.be/AdyUwRGrGvQMy Honest Advice To Anyone Who Wants To Get Rich: https://youtu.be/xV1yr8Qi_nQWhy Dumb People Are Making More Money Than You: https://youtu.be/ISY01uDuyJk15 Things That Are a Complete Waste of Your Money:https://youtu.be/0aeP90sF5UQORDER MY NEW USA TODAY BESTSELLING BOOK:Building Your Money Machine: How to Get Your Money to Work Harder For You Than You Did For It!The key to building the life you desire and deserve is to build your Money Machine—a powerful system designed to generate income that's no longer tied to your work or efforts. This step-by-step guide goes beyond the general idea of personal finance and wealth creation and reveals the holistic approach to transforming your relationship with money to allow you to enjoy financial freedom and peace of mind.Part money philosophy, part money mindset, part strategy, and part tactical action, these powerful frameworks will show you how to build your money machine.When you do you'll also get over $1100 in wealth resources & bonuses for FREE! TAKE THE FINANCIAL FREEDOM QUIZ:Take this free quiz to see where you are on the path to financial freedom and what your next steps are to move you to a new financial destiny at http://www.YourFinancialFreedomQuiz.com

Is it possible, common even, to spend a lot early in retirement to celebrate your financial freedom? How do Roth conversions and withdrawals work if you do plan to call it quits around age 57, and spend big early on? Should you convert retirement funds to tax-free Roth after you stop working? Joe Anderson CFP® and our special guest co-host, Marc Horner, CFP® spitball on these topics for "Beavis and Daria" in Texas and "Clark Kent" in Pennsylvania, today on Your Money, Your Wealth® podcast number 543. Plus, the sooner 56-year-old "Tony Soprano" in New Jersey can retire, the better. What tips do Joe and Marc have for him? By the way, Marc is one of the newest principals here at Pure Financial Advisors. He's the founder of Fairhaven Wealth Management, which has just become the newest Pure Financial Advisors Chicagoland office in Wheaton, Illinois - so help us welcome him for his YMYW debut. Free financial resources & episode transcript: https://bit.ly/ymyw-543 Complete the 8th Annual YMYW Podcast Survey for your chance at a $100 Amazon e-gift card! (secret password: ymyw) DOWNLOAD the Withdrawal Strategy Guide for free WATCH Withdrawal Trap Doors on YMYW TV ASK Joe & Big Al for your Retirement Spitball Analysis SCHEDULE your Free Financial Assessment LEAVE YOUR HONEST RATINGS AND REVIEWS on Apple Podcasts SUBSCRIBE or FOLLOW on your favorite podcast app JOIN THE CONVERSATION on YouTube DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter Timestamps: 00:00 - Intro: This Week on the YMYW Podcast 01:00 - Spending Higher Earlier in Retirement to Celebrate? How to Convert? Where to Withdraw? (Beavis & Daria, TX) 12:30 - Watch Withdrawal Trap Doors on YMYW TV and Download the Withdrawal Strategy Guide for free 13:36 - Can I Retire at 57 Even With a High Draw Down Rate? Should I Convert After Retirement? Should I Consider an Annuity? (Clark Kent, PA) 28:23 - Complete the 8th Annual YMYW Podcast Survey for your chance at a $100 Amazon e-gift card! (secret password: ymyw) 29:09 - When Can I Retire? The Sooner the Better. (Tony Soprano, NJ) 37:43 - Next Week on the YMYW Podcast 38:01 - YMYW Podcast Outro

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Welcome to another enlightening episode of the Building Your Money Machine Show. Have you ever wondered why building wealth feels like such a slow grind in the beginning, but then—almost out of nowhere—your net worth starts accelerating? In today's episode, I'm pulling back the curtain on a tipping point that changes everything: hitting your first $100,000 of investable net worth.I know firsthand how discouraging it can feel to be saving, investing, and doing all the “right” things, only to see what looks like minimal progress. It's like pushing a boulder uphill in flip flops during a windstorm while people shout useless advice at you like, “Just stop drinking coffee!” Trust me, I've been there. In this episode, I explain exactly why it feels so tough to reach your first $100K—and why, after that, building wealth starts to snowball thanks to the magic of compounding.Together, we'll break down the difference between total net worth and investable net worth—the number that actually matters for creating real financial freedom. I'll walk you through why the initial push is so challenging, and how the habits and skills you build in those early years set you up for lasting success.IN TODAY'S EPISODE, I DISCUSS:Why the journey to your first $100K of investable net worth feels like the hardest partThe difference between total net worth and investable net worthThe critical identity shifts and new skills you need to go from “spender with good intentions” to confident wealth builderThe mindset and math behind opportunity costHow long it really takes to hit key milestonesRECOMMENDED EPISODES FOR YOUIf you liked this episode, click here to enjoy these and more:https://melabraham.com/show/My Honest Advice To Anyone Who Wants To Get RichWhy Dumb People Are Making More Money Than You15 Things That Are a Complete Waste of Your MoneyIf The Dollar Is Collapsing - Is It Worth Saving Money?7 Smart Habits of Quiet MillionairesRECOMMENDED VIDEOS FOR YOU If you liked this video, you'll love these ones:My Honest Advice To Anyone Who Wants To Get Rich: https://youtu.be/xV1yr8Qi_nQWhy Dumb People Are Making More Money Than You: https://youtu.be/ISY01uDuyJk15 Things That Are a Complete Waste of Your Money:https://youtu.be/0aeP90sF5UQIf The Dollar Is Collapsing - Is It Worth Saving Money?: https://youtu.be/yG3CoFaYV2YORDER MY NEW USA TODAY BESTSELLING BOOK:Building Your Money Machine: How to Get Your Money to Work Harder For You Than You Did For It!The key to building the life you desire and deserve is to build your Money Machine—a powerful system designed to generate income that's no longer tied to your work or efforts. This step-by-step guide goes beyond the general idea of personal finance and wealth creation and reveals the holistic approach to transforming your relationship with money to allow you to enjoy financial freedom and peace of mind.Part money philosophy, part money mindset, part strategy, and part tactical action, these powerful frameworks will show you how to build your money machine.When you do you'll also get over $1100 in wealth resources & bonuses for FREE! TAKE THE FINANCIAL FREEDOM QUIZ:Take this free quiz to see where you are on the path to financial freedom and what your next steps are to move you to a new financial destiny at http://www.YourFinancialFreedomQuiz.com

Ever wonder why it feels like you're working harder than ever but never seem to get ahead financially? You're not failing because you're lazy; you're failing because you're financially directionless. That's the hard truth, and today, I'm bringing you the raw, no-fluff advice I wish someone had told me decades ago about what it really takes to get rich—and (spoiler alert) it's NOT about grinding harder, hoarding cash, or chasing the next big promotion.In this episode, I walk you through the nine non-negotiables for building true wealth—the real stuff, the uncomfortable truths that rattle your comfort zone, and the practical, step-by-step tools that move you forward. This is your financial education with a bit of sarcasm, a lot of heart, and a proven pathway to true freedom.Drawing on over 30 years as a financial advisor, CPA, and lifelong student of wealth-building, I'll show you how to craft a vision for your life, transform your relationship with debt, conquer self-sabotaging money stories, prioritize investing, and much more. The goal? To help you build your money machine—so your money works harder for you than you ever did for it.IN TODAY'S EPISODE, I DISCUSS:Why knowing your destination—your vivid vision for an ideal life—matters more than a bank balanceThe difference between building a life account versus a bank accountThe difference between productive and destructive debtHow your money stories and childhood beliefs shape your financial trajectoryWhy you can't save your way to wealthRecognizing that the real currency isn't cash—it's timeRECOMMENDED EPISODES FOR YOUIf you liked this episode, click here to enjoy these and more:https://melabraham.com/show/Why Dumb People Are Making More Money Than You15 Things That Are a Complete Waste of Your MoneyIf The Dollar Is Collapsing - Is It Worth Saving Money?7 Smart Habits of Quiet Millionaires7 Reasons Why The Wealthy NEVER Trade Time For MoneyRECOMMENDED VIDEOS FOR YOU If you liked this video, you'll love these ones:Why Dumb People Are Making More Money Than You: https://youtu.be/ISY01uDuyJk15 Things That Are a Complete Waste of Your Money:https://youtu.be/0aeP90sF5UQIf The Dollar Is Collapsing - Is It Worth Saving Money?: https://youtu.be/yG3CoFaYV2Y7 Smart Habits of Quiet Millionaires: https://youtu.be/aeTEvvI_H40ORDER MY NEW USA TODAY BESTSELLING BOOK:Building Your Money Machine: How to Get Your Money to Work Harder For You Than You Did For It!The key to building the life you desire and deserve is to build your Money Machine—a powerful system designed to generate income that's no longer tied to your work or efforts. This step-by-step guide goes beyond the general idea of personal finance and wealth creation and reveals the holistic approach to transforming your relationship with money to allow you to enjoy financial freedom and peace of mind.Part money philosophy, part money mindset, part strategy, and part tactical action, these powerful frameworks will show you how to build your money machine.When you do you'll also get over $1100 in wealth resources & bonuses for FREE! TAKE THE FINANCIAL FREEDOM QUIZ:Take this free quiz to see where you are on the path to financial freedom and what your next steps are to move you to a new financial destiny at http://www.YourFinancialFreedomQuiz.com

"Rubble and Skye" in Minnesota want to spend $65,000 a year in retirement, and they'll have $67K in annual fixed income. Are they cutting it too close? "Atouk and Tala" in New Jersey will have retirement money, Social Security, and “Lumpy,” their lump sum pension - will they be okay? We'll find out today on Your Money, Your Wealth® podcast number 542 with Joe Anderson, CFP® and Big Al Clopine, CPA. Plus, should David in Redondo Beach California use his Roth money to buy a home? And what do the fellas think about "Charlie Pepper" in Colorado using a home equity line of credit (HELOC) for retirement spending, instead of living off of pre-tax money? Free financial resources & episode transcript: https://bit.ly/ymyw-542 DOWNLOAD the Investing Basics Guide WATCH Financial Boot Camp on YMYW TV COMPLETE the 8th Annual YMYW Podcast Survey for your chance at a $100 Amazon e-gift card! (secret password: ymyw) ASK Joe & Big Al for your Retirement Spitball Analysis SCHEDULE your Free Financial Assessment LEAVE YOUR HONEST RATINGS AND REVIEWS on Apple Podcasts SUBSCRIBE or FOLLOW on your favorite podcast app JOIN THE CONVERSATION on YouTube DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter Timestamps: 00:00 - Intro: This Week on the YMYW Podcast 00:43 - $250K Saved, $67K Fixed Income, $65K Spending. Are We Cutting Retirement Too Close? (Rubble & Sky, MN) 05:20 - We Have a $700K Pension, $335K Retirement, Plus Social Security. Will We Be OK? (Atouk and Tala, NJ) 13:14 - Watch Financial Boot Camp on YMYW TV, Download the Investing Basics Guide 14:03 - Should I Use My Roth Money for a Home Purchase? (David, Redondo Beach, CA) 21:03 - Complete the 8th Annual YMYW Podcast Survey for your chance at a $100 Amazon e-gift card! (secret password: ymyw) 22:01 - HELOC vs. Pre-Tax Account for Retirement Spending (Charlie Pepper, CO) 34:23 - Next Week on YMYW Podcast: Guest Co-Host Marc Horner, CFP® 34:53 - YMYW Podcast Outro

Welcome back to another episode of the Building Your Money Machine Show! Today, I'm pulling back the curtain on a question that eats at almost everyone on their wealth journey: Why does it seem like people who aren't any “smarter” than you are making more money—and living their dream lives—while you're stuck meal-prepping, maxing out your Roth IRA, and still feeling… stuck?Let's get real. We've all been told that if you're smart, work hard, and follow the “rules,” wealth will follow. But after decades of working with everyone from broke folks to billionaires, I've uncovered the hard truth: intelligence alone doesn't guarantee wealth. Not even close.In today's episode, I unpack the “intelligence myth” and why the highest IQs aren't leading the pack financially. We'll talk about science-backed reasons why taking action, building grit, and tolerating risk trump being the “smartest” person in the room.IN TODAY'S EPISODE, I DISCUSS:The myth that intelligence equals wealthWhy “dumb” or less-experienced people often succeedThe 5 key traits that predict wealth far better than raw smartsWhy fast action, micro-successes, and starting before you're ready will always beat waiting for the perfect momentHow perfectionism masquerades as procrastination and keeps you brokeThe practical, actionable steps to align, amplify, and automate your income How to finally separate your income from your effort and achieve true financial freedomWhy being on the field is the only way to win the wealth game—and how to get started now, even if it's just with $5RECOMMENDED EPISODES FOR YOUIf you liked this episode, click here to enjoy these and more:https://melabraham.com/show/15 Things That Are a Complete Waste of Your MoneyIf The Dollar Is Collapsing - Is It Worth Saving Money?7 Smart Habits of Quiet Millionaires7 Reasons Why The Wealthy NEVER Trade Time For MoneyThe Truth About Net Worth: Are You Rich or Poor?RECOMMENDED VIDEOS FOR YOU If you liked this video, you'll love these ones:15 Things That Are a Complete Waste of Your Money:https://youtu.be/0aeP90sF5UQIf The Dollar Is Collapsing - Is It Worth Saving Money?: https://youtu.be/yG3CoFaYV2Y7 Smart Habits of Quiet Millionaires: https://youtu.be/aeTEvvI_H407 Reasons Why The Wealthy NEVER Trade Time For Money: https://youtu.be/Jg_8jupAGkQORDER MY NEW USA TODAY BESTSELLING BOOK:Building Your Money Machine: How to Get Your Money to Work Harder For You Than You Did For It!The key to building the life you desire and deserve is to build your Money Machine—a powerful system designed to generate income that's no longer tied to your work or efforts. This step-by-step guide goes beyond the general idea of personal finance and wealth creation and reveals the holistic approach to transforming your relationship with money to allow you to enjoy financial freedom and peace of mind.Part money philosophy, part money mindset, part strategy, and part tactical action, these powerful frameworks will show you how to build your money machine.When you do you'll also get over $1100 in wealth resources & bonuses for FREE! TAKE THE FINANCIAL FREEDOM QUIZ:Take this free quiz to see where you are on the path to financial freedom and what your next steps are to move you to a new financial destiny at http://www.YourFinancialFreedomQuiz.com

Hello, Martinis and Your Money listeners! Whether you just found the show or were a longtime listener, I wanted to hop on here and share what's been happening in my life since I stopped recording new episodes at the end of 2024. As many of you know, in 2013, I founded the company Financial Gym and ran the company through good days and bad days until March 15th, 2025. On that date, I had the unthinkable happen to me, at least what was unthinkable to me. I had a mental health breakdown that led to me being taken from my home, pantsless, and in handcuffs. Yep, you heard that right. This type A overachiever had something unthinkable happen, and this was never a scenario that I had on my life bingo card. But yet, there I was, and that was the hand I was dealt. After three days in the institution, I knew I needed a break from work, so I put in for a mental health leave until May 1st. Immediately while I was on leave, the investors of the company decided to sell Financial Gym to a wealth management company run by two men.    For those of you who don't know me, I left Merrill Lynch in 2013 to create something different, and now all of my 12 years of life focused on serving the underserved and bringing change in their lives was erased, and I was being asked to move backward in time. It was a gut punch to say the least, but it was also an answer to prayers I had been praying, and that was the opportunity to take Financial Gym and financial wellness in a different direction.   It gave me the freedom to leave and start Collective Wellness Revival, a truly one-of-a-kind wellness company that I think we all need in our lives. I spent the last 12 years of my life in the most intimate way possible, diving deep into people's money habits and behaviors, and while I was doing that, I kept noticing the interconnectedness of financial wellness with the other areas of wellness, predominantly your physical and your mental wellness. There were many times where I almost felt it was wrong to offer people financial wellness, while also not offering them mental and physical wellness.    Well, three days in a mental institution actually also reminded me there's a fourth area of wellness, and that is your spiritual or soul level wellness, the area deep down inside most of us that we never get to attack because we're like hamsters on a wheel just trying to get through the surface level areas of life. But we are all beautiful and connected souls here for a reason but life “lifes” us, all of us really hard. And especially the last few months and our souls get lost in the process. I've realized that I've been on my own soul discovery journey for the past 17 years. And in the past five months, since I left my Gym journey, I've been given the gift to truly learn, know, and understand the soul behind Shannon. I knew I wanted to create a company like this for years, and I'm grateful for three powerhouse women stepping in and stepping up to help me launch the first stage of this company, which is a one-of-a-kind, one-on-one coaching program.   For one monthly fee, you can work on any area of wellness you choose. Every wellness journey is unique, and now you can explore all areas of your wellness: mind, body, money, and soul under one tent. And coaching is just the beginning. Our big goal is to grow a collective of like-minded women and our allies to support and encourage each other through these crazy and chaotic times we live in. This is the perfect time for everyone to work on the most epic project of our lives. And that's us. I think of the revival as the perfect place to work on Project YOU. Who are YOU? Why are YOU here? What do YOU want to do in life? Most of us are living who we think we are. Daughters, sisters, mothers, partners, co-workers, bosses, CEOs. But none of us, none of us are really these roles. They're just roles we get to play in this life. They're not really who we are. If you want to explore YOU deeper and work with me as a coach, you should check out the Soul House for what I'm calling Pneuma or Soul Level Coaching. If you liked my money coaching philosophy, wait till you discover my Soul Level Coaching. But also, if you loved my money coaching philosophy, you can still access it through the Revival and our Money House, led by my new friend Melanie and some other familiar faces.    Anywho, I hope you'll support me and the ladies by joining and taking advantage of our offering and helping us build this new collective. Martinis and Your Money listeners will always have access to founder member pricing, which starts at $100 a month. But we have limited spaces for this launch. So head over to or send friends to collectivewellnessrevival.com/coaching to sign up today.    And until next time everybody, cheers!   SIGN UP TODAY!!  

My guest today is Francesca Rea. She is redefining what it means to be a wealth advisor by integrating mindset into traditional wealth management. As a leader in her field, Francesca's holistic approach empowers her clients to achieve confidence in building their net worth.  Her innovative methods, which go beyond conventional wealth advice, have produced phenomenal results.  From being a debt-ridden student, to a proud homeowner, business owner and single mother of two children, Francesca has experienced many of the financial curveball's life can come your way.   As a result, she takes the time to understand your financial situation and determine the best ways to move forward with personalized solutions and comprehensive plans that work for you and your family.

The One Big, Beautiful Bill Act contains tax cuts for individuals and businesses. Let's look at some of the ways the OBBBA may directly affect your pocketbook. - Subscribe to the You and Your Money podcast- Follow us on Facebook, Instagram, LinkedIn and YouTube- See how we can create a tailored financial strategy to help you live with Absolute Confidence, Unwavering Partnership, For Life: whzwealth.com

Pam and Jim in Phoenix are 38 and 41 and want to retire at 59 and 62. Matt and his wife in Pennsylvania are both 39 and want to retire at 57. Are these millennials on the right financial path, or have they brunched and YOLO'd away their retirement dreams? That's today on Your Money, Your Wealth® podcast number 541 with Joe Anderson, CFP® and Big Al Clopine, CPA. Plus, do Roth conversions make sense for Will and Jane in New York, given their high income and high tax bracket? Which pension option is best for their circumstances? Finally, the fellas spitball for Juan's mother in Florida on how long-term capital gains on the installment sale of her company will be taxed. Free financial resources & episode transcript: https://bit.ly/ymyw-541 Complete the 8th Annual YMYW Podcast Survey for your chance at a $100 Amazon e-gift card! LIMITED TIME OFFER: Download The Money Makeover Guide before this Friday, August 8, 2025! WATCH Complete Money Makeover on YMYW TV ASK Joe & Big Al for your Retirement Spitball Analysis SCHEDULE your Free Financial Assessment LEAVE YOUR HONEST RATINGS AND REVIEWS on Apple Podcasts SUBSCRIBE or FOLLOW on your favorite podcast app JOIN THE CONVERSATION on YouTube DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter   Timestamps:  00:00 - Intro: This Week on the YMYW Podcast 00:44 - We're Millennials. Have We Brunched and YOLO'd Away Our Retirement Dreams? (Pam & Jim, Phoenix, AZ) 12:10 - We're 39 With $840K. Can We Retire at Age 57? (Matt, PA) 22:57 - Complete the 8th Annual YMYW Podcast Survey for your chance at a $100 Amazon e-gift card! 23:53 - Do Roth Conversions Make Sense Given Our High Income and Tax Bracket? What Pension Option is Best? (Will and Jane, NY - voice) 37:04 - Watch Complete Money Makeover on YMYW TV, Download the Complete Money Makeover Guide before Friday, August 8, 2025! 37:46 - How Will Long Term Capital Gains on the Installment Sale of My Company Be Taxed? (Juan's Mother, FL) 47:50 - YMYW Podcast Outro  

Special Episode: Navigating New 2025  Tax Laws for Therapy Practice OwnersIn this special summer edition of 'Therapy for Your Money', host Julie Herres, owner of Green Oak Accounting, discusses important updates from the new tax bill that affect small business owners and private practice therapists. Julie provides a concise breakdown of business changes, personal tax updates, and some unique deductions that may have fine print, offering key insights and practical advice for therapy practice owners to stay informed and prepared. Key topics include maintaining the QBI deduction, the return of bonus depreciation, pass-through entity tax benefits, and adjustments to personal deductions like the SALT deduction and child tax credit. Julie emphasizes the importance of consulting with tax professionals to navigate these changes effectively.Episode Highlights00:00 Introduction to Therapy for Your Money00:44 Special Edition: New Tax Law Overview01:57 Context: Tax Changes Since 201703:46 Business Tax Updates08:30 Personal Tax Updates13:32 New Deductions with Caveats23:00 Medicare and Medicaid Changes25:23 Conclusion and Final AdviceLinks and ResourcesMoney for Therapists Practice Startup - https://www.greenoakaccounting.com/startupGreenOak Accounting - www.GreenOakAccounting.comTherapy For Your Money Podcast - www.TherapyForYourMoney.comProfit First for Therapists - www.ProfitFirstForTherapists.comProfit First Academy - www.ProfitFirstForTherapists.com/Academy Podcast Production and Show Notes by Course Creation StudioGet our free KPI tracker to see how you practice measures up to others in the industry! www.therapyforyourmoney.com/kpi

In this episode of Your Money. Your Mission., host Kelly Mould discusses financial planning with marriage with Private Banker Becky McClelland and Marketing Segment Manager and bride-to-be Summer Nicpon, emphasizing the importance of open communication about financial goals and values. The conversation covers key topics such as creating a plan to manage debt, considering premarital agreements and establishing regular financial check-ins. Tune in to hear advice for couples so they can build a strong foundation for a successful marriage. 

Just as you might schedule regular health checkups, your financial plan deserves the same attention. This year's midyear checkup is particularly important given the evolving economic landscape, potential changes to tax laws, and continued market volatility. In this episode, Leisl L. Langevin, CFP® CDFA® breaks down how to do your own midyear financial checkup, and what to be particularly aware of for 2025.- Subscribe to the You and Your Money podcast- Follow us on Facebook, Instagram, LinkedIn and YouTube- See how we can create a tailored financial strategy to help you live with Absolute Confidence, Unwavering Partnership, For Life: whzwealth.com

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3229: Julien Saunders challenges readers to reassess their loyalty to early financial role models, especially as their financial knowledge and life experiences evolve. He explores how outgrowing your "financial hero" can be a necessary step toward achieving deeper, more personalized success and freedom with money. Read along with the original article(s) here: https://richandregular.com/have-you-outgrown-your-financial-hero/ Quotes to ponder: "One of the most valuable but often overlooked parts of growing financially is letting go of the people who helped you get started." "You may not be their target audience anymore, and that's okay." "They helped you build the muscle, but you have to decide how and when to use it." Episode references: Your Money or Your Life: https://www.amazon.com/Your-Money-Life-Transforming-Relationship/dp/0143115766 The Millionaire Next Door: https://www.amazon.com/Millionaire-Next-Door-Surprising-Americas/dp/1589795474 I Will Teach You To Be Rich: https://www.amazon.com/Will-Teach-You-Be-Rich/dp/1523505745 The Simple Path to Wealth: https://www.amazon.com/Simple-Path-Wealth-financial-independence/dp/1533667926 Learn more about your ad choices. Visit megaphone.fm/adchoices

Can Beth and Rip retire early, spend more, and Die with Zero? When should they claim Social Security? Forrest and Jenny have 10 rental properties at age 31. Can they retire at age 50? (And what makes you a real estate professional from a tax perspective?) Plus, what are the rules for spousal IRA contributions and required minimum distributions? Memphis wants to know. Joe Anderson, CFP® and Big Al Clopine, CPA spitball for YMYW audience members who are definitely not fictional characters, today on Your Money, Your Wealth® podcast number 540. Free financial resources & episode transcript: https://bit.ly/ymyw-540 Complete the 8th Annual YMYW Podcast Survey for your chance at a $100 Amazon e-gift card! Watch Retirement Panic Button: 7 Ways to Avoid Hitting It on YMYW TV CALCULATE your free Financial Blueprint ASK Joe & Big Al for your Retirement Spitball Analysis SCHEDULE your Free Financial Assessment LEAVE YOUR HONEST RATINGS AND REVIEWS on Apple Podcasts SUBSCRIBE or FOLLOW on your favorite podcast app JOIN THE CONVERSATION on YouTube DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter   Timestamps: 00:00 - Complete the 8th Annual YMYW Podcast Survey for your chance at a $100 Amazon e-gift card! 00:35 - Intro: This Week on the YMYW Podcast 01:13 - Can We Retire Early, Spend More, and Die With Zero? When Should We Collect Social Security? (Beth and Rip, FL - voice) 12:06 - Watch Retirement Panic Button: 7 Ways to Avoid Hitting It on YMYW TV Calculate your Financial Blueprint Schedule a Free Assessment 13:41 - We Have 10 Rental Properties at Age 31. Are We on Track to Retire at Age 50? (Forrest and Jenny, Cherry Hill, NJ - voice) 20:04 - Spousal IRA Contributions and RMD Rules (Memphis) 32:23 - YMYW Podcast Outro

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3229: Julien Saunders challenges readers to reassess their loyalty to early financial role models, especially as their financial knowledge and life experiences evolve. He explores how outgrowing your "financial hero" can be a necessary step toward achieving deeper, more personalized success and freedom with money. Read along with the original article(s) here: https://richandregular.com/have-you-outgrown-your-financial-hero/ Quotes to ponder: "One of the most valuable but often overlooked parts of growing financially is letting go of the people who helped you get started." "You may not be their target audience anymore, and that's okay." "They helped you build the muscle, but you have to decide how and when to use it." Episode references: Your Money or Your Life: https://www.amazon.com/Your-Money-Life-Transforming-Relationship/dp/0143115766 The Millionaire Next Door: https://www.amazon.com/Millionaire-Next-Door-Surprising-Americas/dp/1589795474 I Will Teach You To Be Rich: https://www.amazon.com/Will-Teach-You-Be-Rich/dp/1523505745 The Simple Path to Wealth: https://www.amazon.com/Simple-Path-Wealth-financial-independence/dp/1533667926 Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3229: Julien Saunders challenges readers to reassess their loyalty to early financial role models, especially as their financial knowledge and life experiences evolve. He explores how outgrowing your "financial hero" can be a necessary step toward achieving deeper, more personalized success and freedom with money. Read along with the original article(s) here: https://richandregular.com/have-you-outgrown-your-financial-hero/ Quotes to ponder: "One of the most valuable but often overlooked parts of growing financially is letting go of the people who helped you get started." "You may not be their target audience anymore, and that's okay." "They helped you build the muscle, but you have to decide how and when to use it." Episode references: Your Money or Your Life: https://www.amazon.com/Your-Money-Life-Transforming-Relationship/dp/0143115766 The Millionaire Next Door: https://www.amazon.com/Millionaire-Next-Door-Surprising-Americas/dp/1589795474 I Will Teach You To Be Rich: https://www.amazon.com/Will-Teach-You-Be-Rich/dp/1523505745 The Simple Path to Wealth: https://www.amazon.com/Simple-Path-Wealth-financial-independence/dp/1533667926 Learn more about your ad choices. Visit megaphone.fm/adchoices

Rory Sutherland is one of the world's leading consumer behaviour experts, the Vice Chairman of Ogilvy Advertising and an author. The world is evolving at an unprecedented pace. With the rise of AI, we're witnessing a collision between the old world and the new. As technology advances, the question becomes: how can innovation repair outdated systems and shape the future in marketing and beyond? Expect to learn about Rory's first experience to Buccee's, what Rory's thoughts are on Waymo, Autonomous driving and the current experience of going through airports, what are some unknown gems in the UK to visit that no one knows about, how Rory would improve food delivery apps, the future of AI in marketing and AI wearables, Rory's advice for what people should do to optimise for attention, and much more… Sponsors: See me on tour in America: ⁠https://chriswilliamson.live⁠ See discounts for all the products I use and recommend: https://chriswillx.com/deals Get 35% off your first subscription on the best supplements from Momentous at https://livemomentous.com/modernwisdom Get a 20% discount on Nomatic's amazing luggage at https://nomatic.com/modernwisdom Get a Free Sample Pack of LMNT's most popular Flavours with your first purchase at https://drinklmnt.com/modernwisdom Get the best bloodwork analysis in America at https://functionhealth.com/modernwisdom Timestamps: (0:00) Don't Mess with Texas (3:31) Driving Etiquette in the Us vs the UK (13:02) The Genius Behind Reverse Benchmarking (20:13) Improving the Airport Experience (36:28) How AI Changes Your Decision-Making (45:50) How Can Businesses Generate Repeat Purchase? (55:31) Should We All Start Using Blimps? (01:03:12) Improving Food Delivery Apps (01:12:46) Is it an Option or an Obligation? (01:19:18) Is Money Becoming Unhealthily Concentrated? (01:31:10) How to be Smart with Your Money (01:40:31) Should We Get Rid of 'Adults Only' Areas? (01:44:37) The Great Complaint of Calvin Klein's Daughter (01:46:25) The Brilliance of Cuddly Animal Marketing (01:52:08) Rory's Product Ad Extra Stuff: Get my free reading list of 100 books to read before you die: https://chriswillx.com/books Try my productivity energy drink Neutonic: https://neutonic.com/modernwisdom Episodes You Might Enjoy: #577 - David Goggins - This Is How To Master Your Life: https://tinyurl.com/43hv6y59 #712 - Dr Jordan Peterson - How To Destroy Your Negative Beliefs: https://tinyurl.com/2rtz7avf #700 - Dr Andrew Huberman - The Secret Tools To Hack Your Brain: https://tinyurl.com/3ccn5vkp - Get In Touch: Instagram: https://www.instagram.com/chriswillx Twitter: https://www.twitter.com/chriswillx YouTube: https://www.youtube.com/modernwisdompodcast Email: https://chriswillx.com/contact - Learn more about your ad choices. Visit megaphone.fm/adchoices

We studied 7 million finance keywords and found one industry getting absolutely decimated by Google's AI Overviews.The results are staggering: 58% of Google searches now end in no clicks, ChatGPT serves 5.5 billion monthly active users, and AI Overviews appear in 38% of mortgage searches and 52% of financial advisory queries — yet most businesses remain completely unprepared for this shift.But here's what shocked us most: this isn't just happening to "AI-vulnerable" industries.For marketing leaders ready to adapt rather than resist, this represents the greatest competitive advantage opportunity in a decade.In this episode, I reveal:• The startling reality behind our 7 million keyword analysis — including why even "Your Money or Your Life" topics aren't immune to AI disruption• How AI Overviews create an average 15.49% drop in click-through rates (and why this is actually fantastic news if you sell products directly)• The Investopedia case study that will terrify content marketers• Why "the middleman is dying"• Our three-pillar framework for AI marketing success• Real client results showing 72% increases in AI Overview appearances in just one quarterI'll share concrete examples from our client work, including how we helped Zugu Case dominate AI recommendations for iPad accessories by implementing our omnipresence strategy across multiple platforms.If you're ready to reorient your marketing strategy towards where users are actually going (rather than clinging to declining organic traffic), this episode provides your complete roadmap for thriving in the AI-first marketing era.Get the "How AI Overviews Are Disrupting Finance Marketing" white paper:https://exposureninja.com/ai-overviews-finance/Get the show notes:https://exposureninja.com/podcast/362/Listen to these episodes next:How To Rank in Google's AI Modehttps://exposureninja.com/podcast/357/9 Reasons Why Your Traffic Is DOWN This Yearhttps://exposureninja.com/podcast/361/Copy This 11,000+ Lead Full Funnel Marketing Strategyhttps://exposureninja.com/podcast/355/

Jess, Sarina, Jennie and Jess are all here to talk about taking a break from various angles: the mechanics angle, the guilt angle, the fear angle, the identity angle and inspiration angle. Mechanics. * Leave yourself notes about the project when you leave off, for example, “The next thing that needs to happen is this…” so when you come back, you know how to get back into the project. This is Sarina's daily practice, but it really helps when she has to leave a project behind. This can be especially helpful when you have to go away for an unexpected emergency. * Jennie adds that the only way you can do this is if you have a place to keep and find those notes to yourself. In one of your 47 notebooks or in the document itself? Or, as Jess adds, on the side of the cardboard box you use for trash in your basement workshop that you almost recycle by accident. * Jennie also notes that you have to have intentionality, to know what you are writing so you can know what comes next, whether that's in your outline, inside outline, or whatever. * Jennie has a little notebook she brings on vacation with her and she downloads those ideas into that just before going to sleep at night when she's away. * These vacation inspiration moments are much like shower thoughts, part of the magic of our brain unhooking, getting into deep default mode network, and becoming its most creative. * Sarina mentioned an article about how walking makes you more creative, also a study in why tapping into the default mode network is so effective as a practice. Fear * The only way to get over this is to sit down and do it. Open the document. Just start. * Jennie points out that getting back into a manuscript when it's disappeared feels horrifying but it's much easier than it sounds and has happened to one of our frequent guests, Sarah Stewart Taylor, when her then-toddler created a password for the document that was not recoverable. She had to give in to the fact that her book was gone, and recreate it out of her memory. Guilt and Identity* It only took Jess until her fiftieth year to figure out that her process - of walking, gardening, beekeeping, musing - is a part of writing, and that's cool. * Can you be a writer if you are not actively writing? Yes, if research, planning, thinking and otherwise cogitating is a part of your writing process. Get over it. The words have to land on the page eventually, of course, but if you are doing both, have grace for the not-actively-writing part of the writing process. #AmReadingTess Gerritsen's series set in Maine (The Spy Coast and The Summer Guests) and, once she finished those two books, Jess went back to The Surgeon, where it all started for Tess Gerritsen. Stay tuned for our interview with her! Andy Weir's Project Hail Mary (Don't watch the movie trailer if you plan to read the book!)Sarah Harman's All the Other Mothers Hate MeAmy Tintera's Listen for the LieRosemerry Wahtola Trommer The UnfoldingRichard Osman's The Thursday Murder Club (coming to Netflix in August!)Janelle Brown's What Kind of Paradise Want to submit a first page to Booklab? Fill out the form HERE.Writers and readers, KJ here, if you love #AmWriting and I know you do, and I know you do, and especially if you love the regular segment at the end of most episodes where we talk about what we've been reading, you will also love my weekly #AmReading email. Is it about what I've been reading and loving? It is. And if you like what I write, you'll like what I read. But it is also about everything else. I've been #AmDoing: sleeping, buying clothes and returning them, launching a spelling bee habit, reading other people's weekly emails. Let's just say it's kind of the email about not getting the work done, which I mean that's important too, right? We can't work all the time. It's also free, and I think you'll really like it. So you can find it at kjdellantonia.com or kjda.substack.com or by clicking on my name on Substack, if you do that kind of thing.Come hang out with me. You won't be sorry.Transcript below!EPISODE 458 - TRANSCRIPTKJ Dell'AntoniaWriters and readers, KJ here. If you love Hashtag AmWriting, and I know you do, and especially if you love the regular segment at the end of most episodes where we talk about what we've been reading, you will also love my weekly Hashtag AmReading email. Is it about what I've been reading and loving? It is. And if you like what I write, you'll like what I read. But it is also about everything else. I've been ‘hashtag am-doing', sleeping, buying clothes and returning them, launching a spelling bee habit, reading other people's weekly emails. Let's just say it's kind of the email about not getting the work done—which, I mean, that's important too, right? We can't work all the time. It's also free, and I think you'll really like it. So you can find it at KJdellantonia.com or kjda.substack.com or by clicking on my name on Substack, if you do that kind of thing or of course in the show notes for this podcast. Come hang out with me. You won't be sorry.Multiple SpeakersIs it recording? Now it's recording. Yay! Go ahead. This is the part where I stare blankly at the microphone. Try to remember what I'm supposed to be doing. All right, let's start over. Awkward pause. I'm going to rustle some papers. Okay. Now, one, two, three.KJ Dell'AntoniaHey, I'm KJ Dell'Antonia, and this is the Hashtag AmWriting Podcast, the weekly podcast, while writing all the things—short things, long things, pitches, proposals, fiction, nonfiction. And somebody told me they thought this was a recorded intro. And I just want you to know I do this live every time, which is why there's this, come on, there's more variety here, people, and you should know that. Anyway, here we are, all four of us, for we got a topic today. But before we do that, we should introduce ourselves in order of seniority, please.Jess LaheyI'm Jess Lahey. I am the author of The Gift of Failure and The Addiction Inoculation. And I laugh, because when you said seniority, all I could do was think of us in our little eave space in my old house, down the street from you, not knowing what the heck we were doing. But yeah, we've been doing this for a long time now. You can find my... you can find my journalism at The New York Times, at The Washington Post, at The Atlantic, and everything else at Jessicalahey.com.Sarina BowenI'm Sarina Bowen. I'm the author of many novels. My new one this fall is called Thrown for a Loop, and it will be everywhere that books are sold, which is very exciting to me, and all about me at Sarinabowen.com.Jennie NashI am the newest of the co-hosts, and so happy to be among this group of incredibly smart and prolific and awesome women, and I'm the founder and CEO of Author Accelerator, which is a company on a mission to lead the emerging book coaching industry. And you can find us at bookcoaches.com or authoraccelerator.com.KJ Dell'AntoniaI'm KJ Dell'Antonia. I'm the author of three novels, the latest of which is Playing the Witch Card, and the most televised of which is The Chicken Sisters—Season Two coming soon to a Hallmark network near you. And I'm also the former editor and lead writer of The Motherlode, making me our... well, and Jennie too, like the crossover. I've done too many different kinds of writing—probably should have stayed in my lane. Oh well. And our plan today—as we're recording, it is summer. And a pretty frequent thing that happens in the summer is that you need to put your project down for a little while, because you have house guests, because you're going on the kind of vacation that does not involve working, because you just need a break or you're sick. That's not really a summer thing, but it definitely happens. Anyway, we wanted to talk about how, you know, what—what do you do to make that work better?Jess LaheyI think a lot about being a parent and needing to take a break too. And you know, this is something I talk a lot about with, you know, other writers who are sort of struggling, especially since I read a lot about parenting—who are struggling to—with that guilt of, you know, like, I feel like I owe my time to the words, and I feel like I owe my time to the children. And finding a way to take a break from the words and not feel guilty about not being with the words can be really, really hard, especially when you're going gung-ho on something. So I want to make sure that we figure out a way to have a break without guilt. That's like the big question I get a lot—is, how do you, you know, either from the parenting or the writing side?KJ Dell'AntoniaAnd I was thinking about it more from a mechanics side.Jess LaheyYeah.KJ Dell'AntoniaHow do you put this thing aside for a week or two weeks or even a month? And know where you were?Jess LaheyRight.KJ Dell'AntoniaAnd come back and feel like it does not take you forever to dig in.Sarina BowenYeah. Um, so we've got the guilt question. We've got the mechanics of how to do it. And I would just like to add a layer, which is the fear factor.Jess LaheyYeah.Sarina BowenI have this thing where, when I walk away from a manuscript, I become afraid of it. So it seems scarier when I take a break. Like, even if it's not true—that I don't know where I am or that I become unmoored from the channel of that book and it seems intimidating to go back to.Jess LaheyCan I add one more layer as well? And that's the identity factor. You know, if I identify as a writer, what am I if I'm not actively writing something? And that messes my head up a lot. So I would love to add that added layer in as well and make sure we discuss that.Jennie NashWell, and I have something totally different from all of those, which is that I often find when I go on vacation, I am more inspired and motivated to work on my project than I was in my real life. It tends to light a fire under me. So then I'm faced with that choice of, you know, wanting to really lean into it. And, you know, just like a really small piece of that story is, I love to write on airplanes. I just love it. Give me a very long flight, and it's—I just want to work and not talk to anybody. And, you know, it's awesome. So I feel some guilt around that. When I'm with my family, it's like, don't talk to me, don't watch movies. You know, I'm—I'm enjoying my plane time, doing my work. So I have that reality.KJ Dell'AntoniaWell, that's the choice that you have to start with, is, am I just, you know, can I not? Am I—do I need to accept the reality, which is that this is a beach trip with extended family and some, you know, my—to multiple generations, and I inevitably am going to be the person who is cooking and figuring out where the garbage has to go in the Airbnb? I should, you know, I—I will feel better if I just accept the reality that I'm not going to wake and work. Or, you know, is it a—is it a trip where you can schedule some work time and want to? Or is it a trip where you affirmatively want to give yourself a break? Or is it also, I mean, I sort of think that the last possibility—well, there are probably multiples—is I just want to touch this every day. So I feel like you can kind of—you're like, you're either like, just—no, not going to happen, not going to pretend it's going to happen, not going to feel the guilt. That's the—that's where we are. And there's sort of a, I just want to open the file every day and keep it warm and friendly. And on, you know these three—three days I have an hour.Jess LaheySo let's do this. Let's—let's do mechanics first, since that's the real nuts-and-bolts stuff, and then we'll talk about all the touchy-feely stuff after that. So let's do mechanics first. It sounds like you have thoughts, KJ…?KJ Dell'AntoniaWell, I was actually thinking that Sarina did this pretty recently.Jess LaheyYeah, that's true.Sarina BowenYeah. Like, you know, I, um, I have found mechanically that leaving yourself notes every time you walk away from your manuscript is a good thing. So this is sort of like a best practices in your life idea, where I will have a writing day, and it's done now, and I'm going to get up and go do other things in my life. If I pick up my notebook, and I write down where I am—like, okay, and the next thing that has to happen is this—like, it could be really short or not. But taking better notes about the structure of the thing I'm working on is serving me on so many levels that it just slots right in here. Like, I took a big trip in April, and I thought I might work, but then I didn't, and I really seamlessly came right back in, because I knew where I was, and I avoided a lot of my own fear. So, if the practices that help you become a good day-to-day writer also can be practices that help you in this very instance, the mechanics of picking up your book again are that you left yourself a note right in your document, um, or in your notebook, that says, and here's what I think is supposed to happen next. And, yeah.KJ Dell'AntoniaThat's going to be gold for an unexpected break too, because that happens, you know, right? You get one of those phone calls, and it's a week before you're back or more.Sarina BowenYeah.KJ Dell'AntoniaYeah. I love this practice. This is one of those things I forget to do.Jennie NashI feel like I—I feel like I have to add to that a couple things. That the only reason you can do that is, A, if you have a place to take notes, which—which could be your, the document itself that you're working on. But Sarina talked about a notebook, right? You have a place that you know, that you can find that, which is not an insignificant thing to have, or...Sarina BowenCorrect!Jennie NashRight?! Or, in the case of me, it's like, I have 47 notebooks. Well, which one did I put the note in?Sarina BowenRight.Jennie NashBut then the second thing is, I mean, this is something that I find so inspiring about the way you work, Sarina, and it—and it's a thing that I teach—is you have to know what you're writing, you know, in order to know where you are, what the structure is, and what you're doing, and to ask those—like, you have to have done the thought work of what, what it is you're trying to do and what your intention is. Otherwise, you sort of don't ever know where you are or where you're going. So...Sarina BowenRight, but that's on two levels. Like, you could—let's just say you have successfully written yourself an Inside Outline, you know, the way that you do it—you still might need that granular thing.Jennie NashOh yeah!Sarina BowenLike, you might know where you are in the arc of the book, but you might actually need the note that's like, "And now we're going to wash the dishes." I mean, let's please not put that in the novel, but you know what I mean.Jennie NashYeah, yeah. But that intentionality of, on the big picture, what am I doing, and on the small picture—in this chapter, in this scene, in this moment, and with this character—what was I... how'd that fit into the whole? What was I thinking? And those things are not—they're not easy. Like, we're talking about them like, "Oh, you just..." You know, like I was saying, what if you have 47 notebooks? That literally is a problem I have. It's like, I know I wrote this note down, and I don't know where I put it—digitally or analog.Sarina BowenRight. I confess I actually do still have this problem. Like, even with all of my best practices, like, put into—sometimes it's like, well, is that in the document, or is it in my notebook? And then—or I thought about it at four in the morning and actually didn't write it down anywhere. And I'm looking anyway...Jennie NashOh, I do that too. I absolutely do that too. I'm convinced that I left a note while I was driving—that's a thing I often do. I'll leave—I'll have Siri write me a note, and then somehow it doesn't appear, or it's like, I know I did this, I know I asked her to do this... you know.Jess LaheyI actually have—I was doing the recycling, and I realized that I was in big trouble because three sides of a box I'd had down in the basement with me while I was working on a project—I was doing something with my, getting some beehives ready—and I was listening to an audiobook that is research for a project I'm working on, and I had scribbled some really important notes to myself about how I was supposed to start a chapter on. And it was a great start. It was like a whole paragraph on the three sides of the box, with an old Sharpie I found down in the basement. And then I realized I almost recycled, like, some really useful outline stuff.Multiple Speakers[all laughing]Jess LaheySo normally—no, so I actually have them. While you guys are talking about something else, since we do see each other while we're recording this, I'll show you later. But the thing that I normally do is either in the document, like right where I left off, or in my main notebook, because I am so bad at finding those notes that I have strewn all over my office or on the side of a cardboard box.KJ Dell'AntoniaI have had the problem lately of I'm not in a manuscript, and that it's much easier when you're in a manuscript to come back to a manuscript, but I'm in a notebook full of assorted random Blueprint challenge, you know, like trying to—I'm, I'm in figuring out where this is going mode, which means I do a lot of thinking while I'm not working that then hopefully I go and write down. But it also means that I frequently sit down and I'm like, well, am I going to think about who these people are? Am I going to think about what the plot is? What am I going to do? So I've been trying to leave myself like a task, something that will, that will just get me, get me back in, because sometimes that's the problem. I, you know, I open the notebook, and there's no obvious thing to do, and the next thing I know, I'm buying running shoes.Jennie NashWell, since we're talking about nuts and bolts, when I said that I often get inspired when I go away or go on vacation and I want to work, I'm not talking about I'm going to go sit in a library or coffee shop for three hours. What, what I mean by that is I often have ideas that I want to capture, and so I have a little notebook that I bring on vacation, and what I like to do is go to bed early enough that I can download all the things I thought that day. I need that space and time to—if it's, if I'm working on something, it's in my head. It's not going to not be in my head. And so the one sort of new mechanical thing that I, that I do, is have that "vacation notes notebook" with me.KJ Dell'AntoniaI always carry one, and I never use it. So there's that.Jess LaheyI get—I am at my most inspired to write when I specifically can't write, which is usually behind the wheel of my car. So I use, in my car, I have been known to, you know, either scribble on things—which, totally don't do that—or to record myself on my phone. But then, audio things, I'm particularly bad at going back and listening to; that seems like it's just too much work. So those tend to get lost a lot. I need to come up with a better system for that. But it is predictable that if I am in a place where I cannot physically write, I will be at my most inspired to write.Jennie NashJess, that's kind of what I'm talking about. That's what happens to me, is I might say I'm leaving all work behind. I'm going off the grid. I'm not doing the thing. And that's when I most want to do the thing. And I, like, my brain seems to really get inspired. What? What do you think that's about? Is that...Jess LaheyI, you know, I, I was very worried that it was my sort of, um—sorry, what's the word I'm looking for? It was—it's my, my brain's way of saying, "Oh, you couldn't possibly work now, so let's have some of the best ideas so that you seem like a good little doobie writer, but it's physically impossible for you to write now." It's just a really weird thing, and maybe one of the other things I thought about is that I'm often listening to a book that I'm really into, which also inspires me to write. I've been listening to a lot of really great books lately, and you can't listen to a book—even one that inspires you deeply—and actually write at the same time, which is another quandary.Sarina BowenYou know what, though? This is not uniquely your brain messing with you—like, this is shower thoughts.Multiple Speakers[Overlapping: “Mm-hmm.” “Sorry.” “Ohhh...”]Sarina BowenBut everybody—everybody has those great ideas in the shower, and it's because you have unhooked yourself. You are just in there with the shampoo and the conditioner and that razor that you probably should change the blade with, and like, you know, there is nowhere to write and nothing to do. So your brain is like, I am free right now to unclench and actually solve this problem of chapter 17, and that's what—that's what happens.Jess LaheyIt is my duty, whenever we mention this, to bring up that—years ago, Ron Lieber, the write... uh... the "Your Money" columnist at The New York Times, told me that he has a waterproof little whiteboard situation that's— that lives in the shower. He and his wife, Jodi Kantor—amazing writer as well, Pulitzer Prize–winning writer, even— that these would be people who might just need a waterproof whiteboard in the shower with them.Sarina BowenBut would that ruin the magic…?KJ Dell'AntoniaIt might just...Multiple Speakers[all laughing]Jess LaheyIf you had a place to write it down, your brain would—like—be... your brain would say, "Sorry, I'm not coming up with good ideas."Sarina BowenBecause I don't think I am willing to take this risk. I take a lot of risks in my life, but this one—like; we do not mess with the shower thoughts. I think, I think...KJ Dell'AntoniaSo, so what do we do if you didn't do any of this? If what—you know—what are—you're listening to this podcast, coming back from your trip, and you're like, I... was writing... something...Sarina BowenYou know what, though? I almost feel that we should point out the fact that, like, that is kind of unlikely. Like, somebody should feel welcome to take this trip and to have all those thoughts, and even if you didn't write them down on your whiteboard in the shower or on your handy notebook, like, I would argue that unhitching yourself in the first place possibly leads to a lot of creative development that, even if you don't capture it in the moment, is still with you. Like, I had this fantastic trip in April. I thought I was going to work, and then I did not, and it was, like, the best two weeks of my life. So then, the other day, my husband said, “Hey, there's a new article you need to read in The Athletic,” which is a New York Times sports blog, and I have just pulled it up so that we can recommend it, about how walking makes you a better problem solver. And the framing story of this article is about a retired baseball coach, but, um, but then, when they got around to studying it, um, they said this question planted the seed for the first set of studies to measure if walking produces more creativity. In the series of experiments, Oppezzo and Schwartz [Marily Oppezzo & Daniel L. Schwartz] asked 176 college students to complete different creative thinking tasks while sitting, walking on a treadmill, walking outside through campus, or being pushed in a wheelchair. In one example, the students had to come up with atypical uses for random objects, and anyway, on average, the students' creative output increased by 60% when they were walking.Jennie NashThat's so cool!Sarina BowenAnd the article is—it's so cool—it's called An MLB manager found value in long walks. Research suggests it's a ‘brain-changing power'.Jess LaheyI have put a spot for it in the show notes. And I should mention that this is all part of what we call the default mode network. This is the—the part of our brain that is the wandering, most creative part of our brain. And we can get there lots of ways. Walking is a fantastic way to do it.KJ Dell'AntoniaSarina, if you do have the fear of the manuscript when you're coming back to it, like, take—you know, travel back in time to maybe when you were a little less confident in your abilities. What do you do to get past the fear and sit down?Sarina BowenThere is only one solution, and that is sitting down. And I'm not so great at this—like, when, when the fear creeps up on me, in spite of my best intentions, man, I will do anything to avoid that sucker. And then when I finally do, and I wade back in, almost every time my response is, Oh, this isn't so bad. I know where—I kind of remember now. It's going to be fine, you know. But it's so easy to put off work out of fear. It's—it's the—it's the one big obstacle. Like, I don't put work off for other reasons, you know, because I'm tired or whatever. It's because I'm afraid that there's something fundamentally wrong with the project, or fundamentally wrong with me, and that is almost always what's keeping me from doing good work.Jennie NashThere was, back in the day before computers became what they are now, people would frequently lose manuscript drafts. It was just much harder to save your work. And I can't—I can't explain exactly what changed, but it was. People frequently lost huge chunks of their work if they didn't actively back up. And when I was a new coach and working with writers who would lose their manuscripts, they would be—understandably—beyond devastated. And this often was full manuscripts, just unrecoverable, full manuscripts. And it was true that if they sat down to recreate what they'd written, it would really flow from them, for that same reason—it was still in their brain. They—they had—they'd written it, so there was a sense that they had, they owned it, and they could sit down, and it was kind of quite remarkable. And I would confidently say to them, just sit down, start writing. I think it will come to you, and it always did. It's very interesting.Jess LaheyThere's an example—we've interviewed Sarah Stewart Taylor many times now, and she tells the story of, a long time ago, her youngest managed to crawl across the computer in such a way as to create a password for the document itself, and there's nothing that can be done. She was on the phone with Word—with Microsoft—for a long time, and they're like, look, this is a password you created. We can't—that's not recoverable. So she had to go and recreate—I believe she was about a third of the way into a book—but she said that it actually flowed really well, and that, you know, she'd had it, it had been cooking and stuff like that. So that massive fear of, oh my gosh, how am I going to get back into this project when it has just disappeared? It turned out to be not a thing—that it actually came really easily to her.Jennie NashJess, you're bringing all the very weird stories today, and I'm so here for it—notes on boxes, babies making passwords.Jess LaheyYeah, well, and the hard part—the funny part about that—is like, you cannot recreate a toddler, essentially, like bashing away at your keyboard and creating a password that's never coming back. Sorry.Sarina BowenThere is a writer—she once gave a talk that I heard—a very successful young adult author, Cynthia Leitich Smith, and she apparently wrote a discovery draft of the novel to, like, figure out what it was about and then deleted it and started over on purpose.Jennie NashOn purpose?!Sarina BowenYes, and everyone in the room gasped because, of course, you know that I just rather, like, been in a lot of pain. I'd rather have oral surgery than delete my first draft of a novel. But, um... but yeah, if she was unafraid to get back there after that kind of break, then I think we can all handle it.KJ Dell'AntoniaThis is true. I've never deleted a draft, but I have just gone—poofft—"Let's, let's, let's start again." In fact, almost every time. Kind of sad. I'm doing it now, actually, but it's not a full draft. Anyway. So take the breaks, right? That's what we're saying here.Sarina BowenYeah, take the break.KJ Dell'AntoniaYou can break however you do it, you know, whichever thing you pick, and if you don't do what you thought you were going to do, that's cool, too. It's going to—it's going to be fine.Jess LaheyCan I mention something that has—so that now that we've sort of done mechanics, we've done a little bit about the fear thing, the—the identity thing—has been really hard for me, in that I have these two books that I've written, and I've written a bunch and researched a bunch of things over the past couple of years, and people keep asking me, what are you writing? What are you writing? And the reality is, like, I'm not. I'm working on something, I'm researching something, and I've written a lot of things. In fact, now I'm holding up my cardboard box pieces—I found them. But the day—I'm not, like, meeting a 1200-words-a-day goal. And sometimes I feel really... I feel like a fraud. I feel like a massive fraud. Like, what kind of writer is not actually sitting down and writing 2,000 words a day? And that's incredibly difficult for me. Like, I don't deserve to call myself a writer, even though I have a couple of books out there and I wrote—you know—did all this other stuff. But the thing that I have—there are a couple of things that have really helped—and one of those is to understand that and have some grace for myself around what I happen to know full well what my process is. Yes, I wrote a couple of book proposals that didn't turn into books, but it was only through writing the book proposals that I discovered that those books weren't something that I wanted to write, and only through doing all of this research on audiobooks and writing on the side of cardboard boxes. That's the way I've written every one of my books. And it's not—it's just what works for me. And so having a little bit of this, you know, this feeling of insecurity as a writer, I don't think is—I don't think is unique to me. I think a lot of writers feel this, and it's...KJ Dell'AntoniaNo, all the rest of them are...Jess LaheyAll of them are really...KJ Dell'AntoniaYeah, no, everyone else is just like, well, of course. No, I'm not an imposter.Jess LaheyBut what's great is when I sit down with other writers and I say, what is an integral part of your process that isn't actually about putting the words on the page? That's not some bogus, like, excuse for not writing. You know, the gardening is part of it, the—the research is part of it, the listening to audiobooks is part of it. The writing—or the walking—is part of it. And it's not just a part of it. It is an incredibly important part of it for me, and—and understanding that and owning that about myself has been really a good thing for allowing myself to not—I'm not productive when I just feel guilty or like an imposter every day. It—that's not good for my process. But none of you ever feel that, right?KJ Dell'AntoniaOr apparently the people around you…Jess LaheyThe other thing that has been—well, the other thing that's been really, really helpful is the—and especially from the parenting perspective—is, or the marriage perspective, or the dog perspective, or the bees perspective, is I need to be fully committed to the thing right in front of me when I'm doing that thing. And if I'm feeling guilty about not being with the words when I'm with my children, or not being with my children when I'm with the words, that is awful, too. And so I have found that when I have to let go of all the other stuff and be fully, 100% in, I'm highly distractible. And so if I'm not fully in the thing, and that—all that guilt of not being over there doing that other thing—that's just taking away from the actual process of writing or researching or whatever it is, or taking care of my bees. I have to be fully in the thing I'm in and not feel guilty about not doing something else. And that's been a growth moment for me, too. It only took me—how old am I? I'm 55 now, and I got there somewhere around 50, I think.Jennie NashThere is also—I mean, I—I love what you're saying, and that is a thing to strive for, for sure—to be, to be present in whatever you're doing. But there is also this idea—I always think of it as mental real estate—that you leave for your project, for your idea, for your writing, for your book. That you, that you have a space in your brain devoted to that, and that you visit, whether or not you're producing words. And I think that that, too, is writing. I think, in some ways, that's more writing than sitting at the keyboard. I mean, I always object to the process of just putting words down. And a lot of the things that challenge writers to do that, because they skip that part—the thinking part and the having-the-part—you know, the real estate-in-your-brain part. And I think this connects to the shower—shower thoughts, right? You're gardening or beekeeping, you're walking, you're thinking, you're writing proposals and throwing them out. You're doing all that, that, that's writing. That's the—that's writing in my mind.KJ Dell'AntoniaAnd it's not... I mean the other thing we do say a lot is, you know, "Good writing comes last."Jennie NashYeah.KJ Dell'AntoniaYou've got to do the other stuff. So you can do it on vacation, or you could not do it on vacation. This—I don't think—we just—maybe I—this was my idea, and I think maybe I just needed the reassurance. I have a couple weeks coming up where I'm probably not going to do anything, and I just needed a reminder that that's cool. That's cool. It's all right. It's going to be okay. That's what I—if y'all could just pat me on the head and say "it's going to be okay."Multiple Speakers[Overlapping voices: “Mm-hmm,” “Sorry,” “Ohhh...”]KJ Dell'AntoniaSix or ten times an hour, that might be about what I need.Jess LaheyWell and one of the other things that has been really cool this summer is I've been on a streak of really good books. And every one of those really good books that I've been reading has made me like, Oh, I could do this. Oh my gosh, I could do that. I could write like her. I could I could write this other thing. And it's, it's all that energy is good and it's all a good thing to sit on a beach and read a book, or sit in the woods and read a book. It's all great.KJ Dell'AntoniaAll right, everybody, go collect some energy. Hey, on that note, who's read something good lately?Jennie NashI want to hear all these great books, Jess.Jess LaheySo I really have been on this roll. I've already talked about Atmosphere in an earlier podcast, the Taylor Jenkins Reid thing. But then I've been on this Tess Gerritsen jag, because we're—I'm interviewing Tess Gerritsen later this week. You guys will get to hear her later this summer. I am... Sarina and KJ, I believe, read the first of her new series that she has set in Maine and with a couple of retired CIA agents and spies in Maine. And then I enjoyed those so much that I went all the way back to the beginning—to her first book, The Surgeon, which I didn't even know was turned into this whole series called Rizzoli and Isles. It's a television show—I had no idea. And now I'm deep into Tess Gerritsen land. I'm still—I found out that there's going to be a movie of the book by the guy who wrote The Martian, Andy...Sarina BowenAndy WeirJess LaheyAndy Weir, thank you. And I was warned very specifically on social media not to watch the preview—the trailer—for the new movie that is going to be coming out with Ryan Gosling later on this summer, because it ruins the book. The book is called Hail Mary… Project Hail Mary. So I very quickly turned away from social media and said, Ooh, I better read the book really quickly before anyone ruins it for me, and I am enjoying the heck out of Project Hail Mary. So it's been really fun. Yeah.Sarina BowenI am reading a book that KJ put into my hands. And the fun part is that I don't remember why she put it into my hands, you know. Like, why did I pick up this book? Like, it happens all the time. It's called All the Other Mothers Hate Me by Sarah Harman.Jennie NashWhat a great title.Sarina BowenYeah, like, I picked up this book, and my husband said, oh my God, what a great title. And so, yes, that's super cool. And it's very voice-y. And the—the flap copy has the—a premise that smacks of a thriller, but the voice isn't like all deep, dark thriller. And so I think maybe the contrast of those two things might be why KJ put it into my hands. But I am enjoying the fabulous writing, and I'm—I'm still at the beginning, but the way she introduces characters is really sharp. So even that alone is like a little master class on introducing characters.KJ Dell'AntoniaYeah, that was why I gave it to you, was that we'd been talking about, you know, the voice, and also because we'd been talking about, like, funny thrillers versus thriller-y thrillers. And this isn't funny, but it's super voice-y. It reminds me of the one you pressed into my hands, which maybe is a little funnier—Listen for the Lie.Sarina BowenYeah, yeah.Jennie NashWell, I'm reading something very different, which is not—not very beachy. I go to a yoga class that is taught by a middle grade English teacher, and she runs her yoga class sort of like English class, where she always starts with a poem and throughout the class, she refers back to the poem in a very embodied way that you're doing the yoga around. And then she reads the poem again at the end. It's—its spectacular. She's—she's so popular at our yoga studio that you have to, you know, fight your way in. But she read a poem by a woman named Rosemerry Wahtola Trommer—and that's Rosemerry like Christmas Merry, so: Rosemerry. And the book is called The Unfolding. And I say it's very different from what you are all mentioning because this woman experienced the death of her young son and father in very close proximity, and her poems are ostensibly about grief, but they're just filled with joy and hope and delight. And, you know, it's kind of that thing you're talking about, Sarina—that it's—here's a book about tragedy and grief, but it's—there's something about the voice that just is—is fresh. And they're just—they're just stunning, just absolutely stunning. And I have gone and ordered all her books, of which there are—are many. So she's a new voice to me, and I just—I can't get enough of them. They're incredible.KJ Dell'AntoniaWell, here I am going to go back to the fiction summary read-y thing. I am very late to The Thursday Murder Club party, but it is joy. It is so much fun—really your sort of classic Agatha Christie stuff, but way, way funnier and more entertaining, with a dash of elderly spies. So we're on that theme. And then I also want to mention, just because I liked it so much—and I'm not sure I want everyone to read it—What Kind of Paradise by Janelle Brown. This could be your lit fic read of the summer. It's somewhere—but—but it's still a page turner. And I thought the premise was extremely great. Basically, it's: what if the Unabomber had also raised a young daughter with him in the woods on all of his theories, back when the Unabomber was living in the woods, and inadvertently involved her in his first kill before she got away? And now she's an adult looking back at what happened. And Janelle Brown is a Silicon Valley person. She's really steeped in this culture. She really knows this world. It's a really good book—plus super entertaining.Jennie NashI love it.KJ Dell'AntoniaThat's it!Jess LaheyI love it when we have a lot of good stuff, because there have been a couple weeks this year where we were like, I was just let down this time around. But yay, I'm loving this.KJ Dell'AntoniaAll right, I think that's it for us this week, kids. Remember, if you support the podcast, you get bonus content every week right now, because we are killing it. You might get Jess's Soup to Nuts series, where she is coaching a fellow writer on creating a nonfiction proposal that also will work with her speaking career. You can join me and Jennie on a weekly basis as we flail our way through the beginnings of writing a couple of books. And of course, on a monthly basis, we've got the Booklab, where we look at the First Pages of novels submitted by listeners. And if you'd like to submit to the Booklab, that'd be great. Jess will put the link in the show notes.Jess LaheyIndeed, Jess will. And until next week, everyone, keep your butt in the chair and your head in the game.The Hashtag AmWriting Podcast is produced by Andrew Perella. Our intro music, aptly titled Unemployed Monday, was written and played by Max Cohen. Andrew and Max were paid for their time and their creative output, because everyone deserves to be paid for their work. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit amwriting.substack.com/subscribe

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Roger in Canton, Ohio, is burnt out. Can he and his wife Jane pre-retire next year in their mid-50s with $2.8 million? Joe and Big Al spitball on whether they'll still have enough money for their Go-Go years, Joe's favorite, today on Your Money, Your Wealth® podcast number 539. Roger also has an employee stock purchase plan. For the best asset location strategy, should he max out the ESPP at a 15% discount, convert to Roth IRA, build his brokerage account, or a little of all the above? Speaking of asset location, some of our YouTube viewers object to the idea of putting higher performing assets in your Roth account. They say you can't write off the losses and you'll be exposed to sequence of returns risk. Stick around for Joe and Al's response. Free financial resources & episode transcript: https://bit.ly/ymyw-539  DOWNLOAD Why Asset Location Matters for Free CALCULATE Your Free Financial Blueprint WATCH Recipe for Retirement | Retirement Plans Explained on YMYW TV ASK Joe & Big Al for your Retirement Spitball Analysis SCHEDULE your Free Financial Assessment LEAVE YOUR HONEST RATINGS AND REVIEWS on Apple Podcasts SUBSCRIBE or FOLLOW on your favorite podcast app JOIN THE CONVERSATION on YouTube DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter Timestamps: 00:00 - Intro: This Week on the YMYW Podcast 02:03 - I'm Burned Out. Can I Pre-Retire Next Year? (Roger & Jane, Canton, OH) 11:46 - Watch Recipe for Retirement | Retirement Plans Explained on YMYW TV and Calculate Your Free Financial Blueprint 12:50 - Would You Rather for Asset Location: Roth vs. Brokerage? Roth vs. ESPP with 15% Discount? (Roger & Jane, Canton, OH, cont'd) 21:08 - Higher Performing Assets in Roth Exposes You To Sequence of Returns Risk and You Can't Write Off  The Losses (YouTube comment) 24:54 - Next Week on the YMYYW Podcast 25:27 - Download Why Asset Location Matters for Free

Like us, are you somewhat uncomfortable of about Pantera playing with Metallica? Why exactly might that be? We need to explore what it is about Phil Anselmo that gives people that icky feeling. This week we try to put some meat on the bones about the rumours that have dogged Anselmo for the last three decades of his career. White supremacist? Racist? Just a bit of a steamer?  What is it about this guy that has gotten him this reputation? Is it merited? And if it is merited, do we have any sort of obligation to act on that? The Pattern of Behaviour It's an issue that's dogged Phil throughout his career, but came into sharp focus at the conclusion of the Dimebash concert in 2016. The thing is though, focusing too much on that fiasco is that it allows flimsy and bad faith justifications. Too much alcohol is one. "Oh, he was just trolling" is another. They've been fairly successfully passed off as excuses for not just his misdeeds that night, but his behaviour more generally. That smokescreen has enabled millions of paying Pantera fans to handwave away the evidence of their own eyes and ears. Denial is a powerful thing, especially when a band is so intrinsically tied up in the carefully guarded nostalgia of countless nineties teenhoods. Anselmo's history with white supremacist rhetoric and imagery goes back a long way. It's been scattered, downplayed, obfuscated to such an extent that it's easy to lose track. We gather all those details in one place so you can make better informed decisions about where you spend your money and what sort of behaviour we seek to excuse on literally the biggest of the world's stages. Episodes Referenced Our interview with former white supremacist turned anti-extremist advocate Arno Michaelis: https://bleav.com/shows/unsung-podcast/episodes/in-session-12-arno-michaelis-author-anti-extremism-activist-and-former-white-nationalist-side-a-360/ Slayer - South of Heaven: https://bleav.com/shows/unsung-podcast/episodes/episode-203-south-of-heaven-by-slayer/ Highlights 00:00 Introduction and Initial Reactions 00:14 Why Pantera Supporting Metallica Feels Wrong 01:02 Your Money is Your Vote: Consumer Responsibility 01:54 The Pattern Begins: Early Controversial Incidents 03:42 The Dimebash Incident: Sieg Heil on Stage 06:07 A Decades-Long History of Problematic Behaviour 21:03 Confederate Flags: Heritage Not Hate? 25:27 Dog Whistles and Lyrical Controversies 30:32 The Night Everything Changed: Dimebash 2016 31:28 What Actually Happened at the Concert 31:50 Rob Flynn Breaks Ranks 32:55 The Silence Before the Storm 33:57 From 0% to 1000% Apologetic in Three Days 35:15 The Metal Press: Complicit in the Cover-Up? 36:58 Is Metal's "Radical Freedom" Part of the Problem? 38:12 Who Is Phil Anselmo Really? 53:31 Making Informed Choices as Music Consumers Support the Show You can support Unsung via Patreon at www.patreon.com/unsungpod. Join at the lower tier for bonus content, early access, and our closed members group where you can suggest episodes. Or join the record club where you get sent records by independent bands from independent labels.

For long-time consumers of Australian financial content, you are likely familiar with today's guest. Ally Selby is a financial journalist who has previously worked for LiveWire, Financial Standard, Pedestrian Group, Your Money, Sky Business and Sky News. Today, Ally is Head of Marketing & Distribution at Minotaur Capital.Between us, we've done over a thousand interviews with expert investors. So in today's episode we share what we've learned. Have a question you want us to answer? Record a voice note or send us a message—------Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing - we've got you covered.Keep up with the news moving markets with our daily newsletter and podcast (Apple | Spotify)Check out our latest show: Basis Points (Apple | Spotify | YouTube) and read the accompanying Basis Points email—------Looking for some of our favourite research tools?Read our free ETF Investing HandbookDownload our free 4-step stock checklistFind company information on TIKRScreen the market with GuruFocusTrack your portfolio with Sharesight—------In the spirit of reconciliation, Equity Mates Media and the hosts of Equity Mates Investing acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respects to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander people today.—------Equity Mates Investing is a product of Equity Mates Media.This podcast is intended for education and entertainment purposes. Any advice is general advice only, and has not taken into account your personal financial circumstances, needs or objectives. Before acting on general advice, you should consider if it is relevant to your needs and read the relevant Product Disclosure Statement. And if you are unsure, please speak to a financial professional.Equity Mates Media operates under Australian Financial Services Licence 540697. Hosted on Acast. See acast.com/privacy for more information.

What if I told you that one simple kit could make your work and travel more sustainable - without adding extra hassle? The best eco-friendly habits are the ones that fit seamlessly into your daily routine. But when you’re hopping between shared workspaces, traveling for business, or just navigating a busy schedule, it’s easy to fall back on single-use plastics and convenience items. In this Quick Win episode, Lottie Dalziel, sustainability advocate, author, and NSW Young Australian of the Year, shares a practical strategy to reduce waste and make more conscious choices on the go. Lottie and I discuss: The Single-Use Quitter Kit—what it is and how it helps you cut waste effortlessly Simple swaps to make your workspace and travel habits more eco-friendly Why small changes add up, especially when they inspire those around you Listen to the full interview with Lottie here. Connect with Lottie via her website, Instagram, Tiktok, and LinkedIn. Check out Lottie’s book 365+ Ways to Save the Planet and Your Money at the Same Time My latest book The Health Habit is out now. You can order a copy here: https://www.amantha.com/the-health-habit/ Connect with me on the socials: Linkedin (https://www.linkedin.com/in/amanthaimber) Instagram (https://www.instagram.com/amanthai) If you are looking for more tips to improve the way you work and live, I write a weekly newsletter where I share practical and simple to apply tips to improve your life. You can sign up for that at https://amantha-imber.ck.page/subscribe Visit https://www.amantha.com/podcast for full show notes from all episodes. Get in touch at amantha@inventium.com.au Credits: Host: Amantha Imber Sound Engineer: The Podcast Butler See omnystudio.com/listener for privacy information.

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George and Weezy in the land of Lincoln will have deferred compensation and wonder if they can retire in mid-2026, or even earlier. Will they have enough? Should Jenn in Ohio move with work, take a break, or just retire? She asks Joe Anderson, CFP® and Big Al Clopine, CPA for a brutally honest spitball, today on Your Money, Your Wealth® podcast 538. Plus, Seth isn't sure if he can afford to stay retired at age 52, and whether he should convert his retirement savings to Roth, so he uses an AI voice to ask the fellas for his spitball. And Leon uses his real voice to ask whether REIT ETFs are a good way to get into real estate investing. (Until Big Al returns from his extended European Vacation, enjoy an encore presentation of these questions from an October 2024 episode of Your Money, Your Wealth podcast.) Free financial resources & episode transcript: https://bit.ly/ymyw-538  Test your knowledge: take our Retirement Pop Quiz Watch Retirement Pop Quiz: 18 Questions To Get You Ready to Retire on YMYW TV Download the Retirement Readiness Guide for free Email Us and Request a Free Copy of The Best of Jonathan Clements: Classic Columns on Money and Life on Kindle!  Watch or Listen to “The Payoff is Huge”: Jonathan Clements' Final Initiative to Empower Lifelong Savers ASK Joe & Big Al for your Retirement Spitball Analysis SCHEDULE your Free Financial Assessment LEAVE YOUR HONEST RATINGS AND REVIEWS on Apple Podcasts SUBSCRIBE or FOLLOW on your favorite podcast app JOIN THE CONVERSATION on YouTube DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter   Timestamps: 00:00 - Intro: This Week on the YMYW Podcast 01:03 - Can “George and Weezy” Retire in 2026 or Earlier With Deferred Compensation? (IL) 12:17 - Pop Quiz, Retirement Readines Guide 13:02 - Should I Move With Work, Take a Break, or Retire Now? Be Brutally Honest (Jenn, OH) 17:43 - Can I Stay Retired at Age 52? Should I Convert Retirement Savings to Tax-Free Roth? (Seth, Montana, AI voice) 24:34 - Ask Joe & Big Al for your Retirement Spitball Analysis, Schedule a Free Financial Assessment 25:30 - Are REIT ETFs a Good Way to Get Into Real Estate Investing? (Leon, Chicago - voice) 33:56 - Request a Free Kindle Copy of The Best of Jonathan Clements,  Watch or Listen to “The Payoff is Huge”: Jonathan Clements' Final Initiative to Empower Lifelong Savers

Earnings Season has commenced with lowered expectations, meaning higher "beat" rates for companies, thanks to the lowered bar. Market react mildly to Mexican & Canadian 30% Tariffs; a warning for this week's CPI Report: The past four reports have been lower than expected, so a much higher number may be printed this time around. A three-month preview of market probabilities shows 50-50 chance of continued bullish activity; BUT, markets are over bought, and the odds are even for a correction of as much as 5% back to the 6,000 level. Lance shares his family's weekend exploits with Tex Mex food and Mrs. Roberts' new penchant for sourdough bread making. Lance reviews his weekend piece on Absolute vs Relative Returns, the consequences of both, and three things required for market predictions. We are naturally negatively biased; why market compounding is a myth; average vs compound returns are very different; what really caused the Dot-com Crash. NOTE: There are BIG changes coming to The Real Investment Show; if you're not subscribed here, you could miss out. Comparing Trade War outcomes: 2017 vs 2025. The risk to markets now: Trump vs Powell tiffs; the markets want an independent Fed; the risk to be aware of. "Con" is short for "Confidence Game.: SEG-1: Earnings Season Begins SEG-2a: Tex-Mex & Sourdough SEG-2b: Absolute vs Relative Returns SEG-3: Dealing with Our Naturally Negative Bias SEG-4a: Big Changes Coming SEG-4b: Maybe this Trade War Really Isn't that Different Hosted by RIA Advisors Chief Investment Strategist Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- Watch today's video on YouTube: https://www.youtube.com/watch?v=EbuyQ4mMSas&list=PLVT8LcWPeAuhi47sn298HrsWYwmg8MV7d&index=1 ------- Articles mentioned in this report: "Is The Dollar Setting Up For A Comeback?" https://realinvestmentadvice.com/resources/blog/is-the-dollar-setting-up-for-a-comeback/ "Relative Returns Or Absolute. What's More Important?" https://realinvestmentadvice.com/resources/blog/relative-returns-or-absolute-whats-more-important/ ------- The latest installment of our new feature, Before the Bell, "Market Risks Ahead of Earnings Season," is here: https://www.youtube.com/watch?v=kUggnhse9kk&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our previous show is here: "What the Big Beautiful Bill Means for Your Money & Retirement" https://www.youtube.com/watch?v=juL4OhaFgbo&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=114s ------- Register for our next live webinar, "RIA Retirement Blueprint," July 19, 2025: https://streamyard.com/watch/qaMtj3cydgDQ ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketRally #MarketRisk #MarketCorrection #EarningsSeason #RiskManagement #PortfolioRisk #Tariff #RelativeReturns #AbsoluteReturns #InvestmentStrategy #PortfolioPerformance #InvestorEducation #InvestingAdvice #Money #Investing

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You've got your tax-free Roth accounts and your tax-deferred retirement accounts. Should you invest the same way in each? Kevin in Denver wants to know. Jim and Pam in Orange County are eligible for combat zone tax exclusions (CZTE). How else can they maximize their tax-free retirement strategy?  Susan Brandeis, CFP® spitballs with Big Al Clopine, CPA, today on Your Money, Your Wealth® podcast number 537. Plus, should Ned in Tokyo sell his Bay Area rental property and invest the proceeds? And Bob and Brigette in Wisconsin got a late start on Roth IRA savings. Should they prioritize saving into a Roth, brokerage account, or 401(k)? Free financial resources & episode transcript: https://bit.ly/ymyw-537 DOWNLOAD Why Asset Location Matters DOWNLOAD The Recession Protection Guide WATCH How to Build a Recession-Proof Portfolio on YMYW TV ASK Joe & Big Al for your Retirement Spitball Analysis SCHEDULE your Free Financial Assessment LEAVE YOUR HONEST RATINGS AND REVIEWS on Apple Podcasts SUBSCRIBE or FOLLOW on your favorite podcast app JOIN THE CONVERSATION on YouTube DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter Timestamps: 00:00 - Intro: This Week on the YMYW Podcast 00:46 - Should the Asset Location of Our Accounts Be Independent of Each Other? (Kevin, Denver) 08:54 - CTZE - Any Other Ways to Maximize Our Tax-Free Retirement Strategy? (Jim & Pam, Orange County) 17:19 - Watch How to Build a Recession-Proof Portfolio on YMYW TV, Download the Recession Protection Guide 18:00 - Should We Sell a Rental Property and Invest the Proceeds? (Ned, Tokyo, Japan) 25:37 - Got a Late Start on Roth IRA Savings. Should I Prioritize Roth, Brokerage, or 401(k)? (Bob & Bridgette, WI) 34:49 - Next Week on YMYW Podcast

This week on the Journey to Launch podcast, I'm joined by Lori-Sara Gauthier, a public health worker based in Toronto who is in the thick of transforming her finances and her mindset. Lori-Sara recently paid off $14,000 in consumer debt, is working on eliminating her student loans, and is intentionally charting a path toward financial freedom. Lori-Sara opens up about her spending habits, emotional triggers behind money decisions, and the moment she realized something had to change. Through self-awareness, therapy, and learning about the FIRE movement, she's rewriting her money story and embracing the power of small, consistent actions. In this episode, we discuss: How Lori-Sara fell into and climbed out of $14K of credit card debt The emotional connection between childhood scarcity and adult overspending What she's doing now: building an emergency fund, tackling student loans, and investing for the future Why she threw a party to celebrate being debt-free, and how running helped her stay on track Her evolving thoughts on FI, public service pensions, and leaving room for future flexibility Other Links Mentioned in episode:  Your Money or Your Life by Vicki Robin Clever Girl Finance by Bola Sokunbi You Need a Budget by Jesse Mecham Apply to Share Your Journeyer Story here. Join the Journey to Launch Book Club to dive deeper into financial freedom with guided discussions and resources here!  Get your copy of my book: Your Journey To Financial Freedom! Join The Weekly Newsletter List to get updates, deals & more! Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here. Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link. What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here! Connect with me: Instagram: @Journeytolaunch Twitter: @JourneyToLaunch Facebook: @Journey To Launch Join the Private Facebook Group Join the Waitlist for My FI Course Get The Free Jumpstart Guide

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If your pension impacted your ability to collect Social Security benefits, 2025 is a very good year for you and your spouse. The Windfall Elimination Provision and the Government Pension Offset are no more, and you're now eligible for your full Social Security benefits AND your pension! Today on a quick Your Money, Your Wealth® podcast number 536, while Joe hangs in the North Star State, Big Al Clopine explains what the Social Security Fairness Act means for Cherilyn and her husband, and "Nuke La Loosh" and his wife, with the help of our special guest co-host, Susan Brandeis, CFP®. Free financial resources & episode transcript: https://bit.ly/ymyw-536 DOWNLOAD The Social Security Handbook (newly updated!) for free YMYW ranked among the "14 Best Retirement Podcasts and Blogs to Follow" by Due.com, featured on NASDAQ.com ASK Joe & Big Al for your Retirement Spitball Analysis SCHEDULE your Free Financial Assessment SUBSCRIBE to YMYW on YouTube DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter Timestamps: 00:00 - Intro: This Week on the YMYW Podcast 00:47 - Can I Qualify for Half of My Wife's Social Security Now That WEP and GPO Are Gone? (Nuke La Loosh, Northern CA - voice) 08:16 - Is My Husband Eligible for Spousal Social Security Benefits Now that WEP and GPO Are Gone? (Cherilyn, El Cajon, CA) 12:58 - Comment: Your TV Show and Guide on Social Security Are Out of Date (Helen, San Diego) 14:11 - Comment: Even If the TV Show Doesn't Pertain to You Directly, You Can Inform Someone Else (Catherine) 14:39 - Social Security Handbook (newly updated!) - download for free 15:00 - YMYW ranked among the "14 Best Retirement Podcasts and Blogs to Follow" by Due.com, featured on NASDAQ.com 15:21 - Next Week on the YMYW Podcast

Thinking about taking your kids on the road and giving them a global education? You'll want to hear this.In this week's episode, host Kim Anderson chats with Jake and Michelle Schomp, a nomadic family of five who've traveled the world for 10 years. Their three kids have experienced public school in Mexico, homeschooling, and worldschooling. Today, the focus is on Boundless Life—a structured worldschooling program offering community, continuity, and education across seven international locations.Get an inside look at how Boundless Life works, what it costs, and how it supports families living abroad without sacrificing academics. The Schomps share exactly what to expect—curriculum, community, and why it could be the perfect education solution for traveling families.In this episode, you'll learn:How Boundless Life blends worldschooling, routine, and learningWhat families can expect from curriculum and daily life abroadWho this lifestyle is for and how to know if it's a fitThis episode is for you if you've ever wondered: “How do I educate my kids while we travel?” or “Is there a way to worldschool without chaos?”RECOURCES: Connect with Jake & Michelle: Boundless Life YouTube Playlist & InstagramGet €600 off Boundless Life with code MichelleSchomp or MICSCH73Listen to Jake & Michelle's first Design Her Travel interview Episode #14⚡️ ROUND:Die with Zero: Getting All You Can from Your Money & Life by Bill Perkins 4-Hour Workweek by Tim FerrissKids Pop Up TentEPISODE DETAILS:07:34 - The whole premise of world schooling26:48 - One of the perks22:32 - Where boundless differs29:08 - This style of education helps kidsWANT MORE? Check out these episodes on family travel and education:Green School Bali: A Family's Story of Education & Adventure #111Family Travel Adventures: Making the World Your Classroom w/ Jenny Lynn #91Worldschooling, Unschooling & International Schools Education in the Digital Age #112Growing Up Without Borders One Family's Adventure Visiting Every Country in the World #99Roadmap to Happiness: Overlanding & UnschooliWant travel tips and a behind-the-scenes look at the podcast? SIGN UP for our weekly newsletter here! It's just the good stuff, I promise. No spam here. Support the showMore Travel with Less Money—Download Your FREE GUIDE & Start Exploring! Let's connect on Instagram! @DesignHerTravel Get $20 when you Sign-Up for Buzzsprout Please Note: I may earn a small commission when purchasing through these links. It doesn't cost you anything extra but does help support the show.

Ryan in Texas is in the 32% tax bracket. Where should he save for retirement so he'll be in a lower bracket? Should Weronika in Texas pay the taxes now to convert to Roth for lifetime tax-free growth in the future, even though she's in the 37% tax bracket? And Jerry in Phoenix wonders if there is a point where Joe would come to the conclusion that Roth conversions no longer make sense? Stay tuned for the 7 reasons to consider NOT converting to Roth, today on Your Money, Your Wealth podcast number 535 with Joe Anderson, CFP® and Big Al Clopine, CPA. First up, a word of Roth conversion thanks from Al in Florida. Free financial resources & episode transcript: https://bit.ly/ymyw-535 DOWNLOAD The Ultimate Guide to Roth IRAs Watch The Last 5 Years Before Retirement Will Decide Your Lifestyle - Here's How on YMYW TV RETIREMENT CALCULATION TOOLS: Financial Blueprint EASIRetirement.com (from Boldin, formerly NewRetirement)   ASK Joe & Big Al for your Retirement Spitball Analysis SCHEDULE your Free Financial Assessment SUBSCRIBE to YMYW on YouTube DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter Insult to a Nose (Scene from Steve Martin movie "Roxanne" - warning, language!)   Timestamps: 00:00 - Intro: This Week on the YMYW Podcast 00:44 - Thanks for Suggesting a Roth Conversion During the Market Drop (comment from Al, FL) 03:38 - In the 32% Tax Bracket. Where Should I Save for Retirement to Be in a Lower Bracket? (Ryan, TX) 07:57 - In the 37% Bracket: Backdoor Roth or Non-Roth Investments for Retirement Savings? (Weronika, TX) 12:25 - Watch The Last 5 Years Before Retirement Will Decide Your Lifestyle - Here's How on YMYW TV. Calculate your free Financial Blueprint 13:23 - Is There a Point Where Roth Conversions No Longer Make Sense? (Jerry, Phoenix, AZ) 25:26 - YMYW Podcast Outro

⭐️Grab Marina's 3 course bundle (This contains an affliate link).This week on UnF*ck Your Money, I sit down with Somatic Coach Marina Triner to talk about the real path to nervous system healing, especially when it comes to money, self-worth, and fear. Marina breaks down why mindset work can keep us stuck in cycles of self-blame—and how somatic healing creates a more compassionate and effective path forward. We explore how financial triggers show up, why your body responds before your brain, and how inner child work is a key to rewiring your relationship with money. If your brain constantly looks for danger (especially around money), this episode is for you.4 Key Takeaways:Somatic healing meets you where mindset work leaves off– Instead of forcing affirmations, somatic work helps you build safety in the body so that real transformation can happen.Triggers are signals, not problems– We explore how both internal and external triggers are messages from your nervous system—not evidence that you're broken.You can't mindset your way out of complex trauma– Marina shares how somatic practices help regulate responses when you feel powerless or panicked, especially around money.Inner child healing is essential to financial freedom– Reconnecting with and reparenting younger parts helps shift the guilt, fear, or unworthiness that silently drives your money habits.⭐️Grab Marina's 3 course bundle (This contains an affliate link).Listen to my first episode with Marina here Marina is a renowned somatic coach, and has supported thousands to move through stuckness, unleash their power, and step into unprecedented visionary success in their relationships, careers and life through profoundly transformative body-based approaches that go to the deep roots: addressing triggers, emotional healing and nervous system regulation. She has mentored thousands of clients through her coaching, online courses, and live programs. Connect with Marina:IG: https://www.instagram.com/marina.y.t/⭐️Grab Marina's 3 course bundle (This contains an affliate link).⭐️Join my FREE Money Course- 5 Days of Money Magic here: https://www.saveamillioncents.com/freecourse ⭐️Check out my 1:1 Money Magic Mentorship Program here.

Leave an Amazon Rating or Review for my New York Times Bestselling book, Make Money Easy!I've assembled three transformative money conversations, from investors who have cracked the code on building wealth differently. Chris Camillo shares how he turned social media observations into millions, proving that ordinary people have access to information Wall Street misses. Real estate mogul Glennda Baker reveals the brutal mistakes that taught her to build generational wealth through property. And Bill Perkins challenges everything you think you know about saving money with his "Die With Zero" philosophy. These aren't your typical financial advisors - they're wealth builders who've learned that the biggest risk isn't losing money, it's wasting your life working for money you never enjoy.Chris's book Laughing at Wall Street: How I Beat the Pros at InvestingGlennda on TikTokBill's book Die With Zero: Getting All You Can from Your Money and Your LifeIn this episode you will learn:How to turn every dollar into a potential hundred dollars through strategic investing mindset shiftsWhy women possess better investing instincts than men but rarely act on their social intelligenceThe real estate investment strategy that focuses on cash flow over ego-driven property purchasesHow to detect market changes through TikTok comments and social media trends before Wall Street noticesWhy giving your children money at 30 creates more impact than leaving them millions when you dieFor more information go to https://www.lewishowes.com/1787For more Greatness text PODCAST to +1 (614) 350-3960More SOG episodes we think you'll love:Chris Camillo – greatness.lnk.to/1771SCGlennda Baker  – greatness.lnk.to/1651SCBill Perkins – greatness.lnk.to/1529SC Get more from Lewis! Get my New York Times Bestselling book, Make Money Easy!Get The Greatness Mindset audiobook on SpotifyText Lewis AIYouTubeInstagramWebsiteTiktokFacebookX

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3636: Tynan explores the transformative power of long-term thinking, explaining how extending your planning horizon can unlock better decisions, greater consistency, and a more fulfilling life. By shifting focus from immediate gratification to future impact, he shares how this mindset shift can give you an edge in nearly every area of life, from health to relationships to personal goals. Read along with the original article(s) here: http://tynan.com/longterm Quotes to ponder: "Long-term thinking is one of the most powerful tools you can use in your life." "If you always think about what your future self would want you to do, you'll find that your actions are better aligned with your goals." "People are often amazed at how consistent I am, but it really comes down to thinking long-term and making plans that are sustainable." Episode references: Your Money or Your Life: https://www.amazon.com/Your-Money-Life-Transforming-Relationship/dp/0143115766 The Slight Edge: https://www.amazon.com/Slight-Edge-Turning-Disciplines-Happiness/dp/1626340463 The Time Paradox: https://www.amazon.com/Time-Paradox-New-Psychology-Time-That-Will-Change-Your-Life/dp/1416541985 Learn more about your ad choices. Visit megaphone.fm/adchoices

Ralph and Alice in Monument, Colorado have $4.6 million dollars saved at ages 63 and 58. Should they do Roth conversions? How do they avoid IRMAA? Mary Jo in Escondido, California wonders if she should use her 403(b) money to pay off her mortgage. And Lucas plans to spend from his brokerage, then his 401(k), then his Social Security and pension when he retires in 20 years. What do Joe and Big Al think of his strategy? Find out today on Your Money, Your Wealth® podcast 534. Free financial resources & episode transcript: https://bit.ly/ymyw-534 DOWNLOAD the Key Financial Data Guide DOWNLOAD The Retirement Readiness Guide Watch Is There a Formula for Retirement? on YMYW TV ASK Joe & Big Al for your Retirement Spitball Analysis SCHEDULE your Free Financial Assessment SUBSCRIBE to YMYW on YouTube DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter Timestamps: 00:00 - Intro: This Week on the YMYW Podcast 00:55 - We're 63 and 58 With $4.6M Saved. Should We Do Roth Conversions? Can We Avoid IRMAA? (Ralph & Alice, Monument, CO - voice) 11:51 - Watch Is There a Formula for Retirement? on YMYW TV, Download The Retirement Readiness Guide for free 12:59 - Should I Use My 403(b) Pay Off My Mortgage? (Mary Jo, Escondido) 16:48 - Brokerage to 401(k) to Social Security and Pension: Good Income Strategy for Retirement in 20 Years? (Lucas) 26:33 - YMYW Podcast Outro

What if being great with money doesn't guarantee you're doing great with your spouse?If you're the “money person” in your marriage, you may think you're doing everything right. But what if your spouse feels shut out of the process? It happens more than you think. Shaunti Feldhahn joins us today to talk about how you can avoid that disconnect or fix it if need be.Shaunti Feldhahn is a Harvard graduate, former Wall Street analyst, social researcher, best-selling author, and a prominent public speaker. She is the co-author of Thriving in Love and Money: 5 Game-Changing Insights about Your Relationship, Your Money, and Yourself, written with her husband, Jeff, and has co-authored several books with him, revealing impactful truths about relationships at home and in the workplace.Honor What Your Spouse ValuesMoney-minded individuals often unknowingly send the message that their spouse's financial opinions don't matter. Even with good intentions and solid planning, failing to honor what your spouse values can damage not just your finances but your marriage.Spouses who handle the finances might assume they're right and the other is wrong. That unspoken belief, even if subtle, can lead one partner to feel dismissed—and that's a dangerous place to be.About two-thirds of spouses believe they know better than their partner how to manage finances. This is similar to how most people think they're above-average drivers—statistically improbable, but psychologically common.While it's okay to have differing financial opinions, it becomes a problem when one partner consistently feels unheard or undervalued. Many “money people” may not even realize they're doing this, but over time, it fosters resentment and undermines trust.Different Values, Different PrioritiesMore than 80% of couples have differing financial values, which are often rooted in their childhood experiences, temperaments, or faith priorities.For instance, one spouse may believe saving for college is urgent and non-negotiable. The other may feel that making memories with their children while they are young, such as taking a trip to Disney, is equally important. Neither is wrong. They're just different.The danger lies in assuming that one value system is superior. If one spouse feels their values are constantly being overlooked, resentment can quietly grow until it spills over into other areas of the relationship.The real danger isn't only in the budget—it's in the relationship.If one person starts to feel like their opinions don't matter, it doesn't just affect money decisions. It becomes a marriage issue.And this dynamic can even show up in financial advisor meetings, where professionals may unintentionally direct conversations toward the more financially-minded spouse. This reinforces the problem and risks charting a course toward relational misalignment.Three Steps Toward Greater Financial UnityIn her article for Faithful Steward, Shaunti offers three practical steps to bring both voices to the table:Ask Each Other a Simple QuestionAt a neutral time—say, over morning coffee—ask:“On a scale of 1 to 5, how heard and valued do you feel in our financial decisions?”If the answer isn't a 5, it's a red flag—time for a deeper conversation. Treat Less-than-Perfect Answers SeriouslyA “3” or “4” means something isn't connecting. Don't ignore it. The goal is for both spouses to feel their voice and values are part of the plan, even when you disagree. Explore Your Financial Values TogetherChapter 3 of her book, Thriving in Love and Money, maps out different “money values”—how people view experiences vs. things, time vs. money, or convenience vs. frugality. Shaunti encourages couples to read the chapter together (or separately with notes in the margins) to uncover hidden assumptions.Real-Life Insight: The $1.50 LessonShaunti also shares a personal example: she values time and convenience, so she's happy to pay an extra $1.50 per movie ticket to reserve seats in advance. Jeff, her husband, sees that as unnecessary—he'd rather arrive early to save money.Neither is “right.” However, understanding each other's values helped them approach decisions with greater ease and grace, rather than conflict.Remember, resentment is like a slow leak—it can go unnoticed until the tire blows out. But the antidote is simply listening with love and curiosity.You can read her full article in Faithful Steward, our quarterly magazine designed to help you connect your faith with your finances. To receive four issues a year, along with our newest Bible studies and devotionals, become a FaithFi partner at FaithFi.com/Give.On Today's Program, Rob Answers Listener Questions:I'm a veteran receiving $1900 a month in benefits. I recently paid a penalty on my Social Security premium. I would like to know if there is any way this penalty can be waived due to my hardship situation.I have some stock that I want to sell, but I want to donate it to a charity so I don't have to pay taxes. Can you tell me how to do this?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Thriving in Love and Money: 5 Game-Changing Insights About Your Relationship, Your Money, and Yourself by Shaunti and Jeff FeldhahnNational Christian Foundation (NCF)Fidelity | Charles SchwabWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

#231: Chris shares his top 50 hacks, learnings and lessons from the past 230 episodes. Learn actionable strategies to level up your travel, wealth, points & miles, productivity, relationships, and so much more! Link to Full Show Notes: https://chrishutchins.com/50-impactful-lessons-travel-money-life Partner Deals Copilot: Free 2 months access to my favorite personal finance app with code HACKS2 NetSuite: Free KPI checklist to upgrade your business performance Facet: Personalized Financial Planning + $250 enrollment fee waived DeleteMe: 20% off removing your personal info from the web Vuori: 20% off the most comfortable performance apparel I've ever worn For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals Resources Mentioned Price Monitoring Services Vacation Rentals: HiChee Car Rentals: AutoSlash Hotel Rentals: HotelSlash Flights: Autopilot | Tripit | Going™ eSIMs: Airalo Books Never Pay the First Bill: And Other Ways to Fight the Health Care System and Win Die With Zero: Getting All You Can from Your Money and Your Life Make Time: How to Focus on What Matters Every Day Hell Yeah or No: what's worth doing The 80/80 Marriage Burn the Boats: Toss Plan B Overboard and Unleash Your Full Potential 10 Easy Money Rules by Ramit Sethi Keepa Savendeals Savewise (20% off with ALLTHEHACKS20) Rakuten ($30 bonus here) CardPointers Pro (30% off here) Cashback Monitor Library Extension | Libby Gelt (skip the waitlist here) Free Unclaimed Money Site Bilt Rewards Payment Platforms Plastiq Melio Zil Money Trust & Will (20% off custom estate plans here) The Work Number Report DeleteMe (20% off here) ATH Podcast Full List of Episodes Newsletter Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: podcast@allthehacks.com Full Show Notes (00:00) Introduction (04:07) Ways to Boost Your Points and Miles (06:10) The Truth About Credit Scores (07:57) Leveraging Award Search Tools and Points (11:15) Hidden Credit Card Benefits (13:21) Travel Planning Tips and Tricks (15:11) Monitoring Price Drops: Flights, Hotels, Car Rentals (17:02) Emailing the Hotel Before Your Stay (20:44) Hacks for International Travel (22:13) The Peak-End Rule (23:08) Why You Should Audit Your Bills (25:16) Saving Money on Housing (27:04) A Die with Zero Mindset (28:46) Establishing Money Rules (30:29) The Power of Negotiation (32:54) Stacking Deals to Increase Savings (37:46) Browser Extensions to Secure the Best Deals (39:40) Leveraging Gift Cards (41:28) How to Access Library Books Online (42:00) Freebies at Hotels (42:31) Saving Money on Taxes (43:38) Automating Investments (45:31) Tax-Advantaged Accounts, Donor-Advised Funds, and HSAs (48:18) The Best U.S. Bank Accounts (50:28) Turning Deals into Side Hustles (51:58) Free Unclaimed Money (53:21) Paying Bills with Credit Cards (55:13) Setting Up a Will and Trust (56:31) Leveraging AI to Save Time (58:06) Ways to Optimize Your Time (59:19) The Hell Yes or No Filter (1:01:32) How to Buy Back Time (1:03:44) Levels of Listening and 80/80 Marriage (1:05:21) Two-Hour Cocktail Party (1:06:45) Making Healthier Decisions (1:08:25) Protecting Your Identity (1:10:38) Decision-Making Tactics Connect with Chris Newsletter | Membership | X | Instagram | LinkedIn Editor's Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2620: Mr. Money Mustache challenges the culture of extravagant spending on weddings by spotlighting the financial consequences of prioritizing appearances over substance. He offers a refreshing, rational perspective on how celebrating love can be joyful, meaningful, and debt-free - ultimately freeing couples to focus on what truly matters. Read along with the original article(s) here: http://www.mrmoneymustache.com/2011/08/17/royal-wedding-shloyal-fledding/ Quotes to ponder: "A wedding is just a party, and a party does not have to cost tens of thousands of dollars." "Life gets much better when you stop trying to impress others and just live according to your own values." "You can have a rich life, or you can have a rich-looking life. Pick one." Episode references: Your Money or Your Life: https://www.amazon.com/Your-Money-Life-Transforming-Relationship/dp/0143115766 The Millionaire Next Door: https://www.amazon.com/Millionaire-Next-Door-Thomas-Stanley/dp/1589795474 Learn more about your ad choices. Visit megaphone.fm/adchoices

Before she retires next month at age 52, Rowan in Georgia wonders how to maximize growth in her IRA, which will be funded with 72(t) early retirement withdrawals. What do Joe Anderson, CFP® and Big Al Clopine, CPA  think of her substantially equal periodic payment plan? And how should she allocate it? Michael in Virginia isn't interested in any international investments and is instead invested in stocks like Google, Amazon, Microsoft, Meta, and Berkshire. What adjustments would the fellas make to his portfolio for long term growth? That's today on Your Money, Your Wealth® podcast 533. Plus, our friend Will, who is not a gas siphoner, wants Joe and Big Al's opinion on "backdoor Rothing" his solo 401(k) instead of having an emergency fund, and on what he should do with his annuity. Also, the fellas explain ESOP and NUA - that is, employee stock ownership plans and net unrealized appreciation - for Tess and Finn in Texas. Free financial resources & episode transcript: https://bit.ly/ymyw-533 WATCH 10 Big Retirement Regrets to Avoid (Before It's Too Late) on YMYW TV CALCULATE your free Financial Blueprint SCHEDULE your Free Financial Assessment The origins of Will the Gas Siphoner (audio only) ASK Joe & Big Al for your Retirement Spitball Analysis SUBSCRIBE to YMYW on YouTube DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter Timestamps: 00:00 - Intro: This Week on the YMYW Podcast 01:05 - How Do I Maximize My 72(t) Early Retirement Withdrawals? (Rowan, GA - voice) 10:24 - Watch 10 Big Retirement Regrets to Avoid (Before It's Too Late) on YMYW TV, Calculate your free Financial Blueprint 11:23 - I'm Not Interested in International Investments. Does My Asset Allocation of Tech Stocks Make Long-Term Sense? (Michael, VA) 14:18 - Should I Backdoor Roth My Solo 401(k) Income Instead of Having an Emergency Fund? What Should I Do With My Annuity? (Will the Gas Siphoner) 24:44 - Schedule a Free Financial Assessment With Pure Financial Advisors 25:53 - ESOP and NUA Explained (Tess & Finn, TX) 31:53 - Tribute to Betsey Clopine, 1933 - 2025 33:17 - YMYW Podcast Outro

Imagine being told you only have 12 months to live. What would you do with your time? Today on Your Money, Your Wealth podcast number 532, Big Al Clopine, CPA and Executive Producer Andi Last are thrilled to welcome Jonathan Clements back for his fourth appearance. For thirty years, Jonathan has been known for his personal finance writing: in his column “Getting Going,” which appeared in the Wall Street Journal over 1,000 times starting in 1994, on his website HumbleDollar.com, and in his many acclaimed books. About a year ago, Jonathan Clements was diagnosed with a rare form of lung cancer and was told he had about a year to live. Today we're celebrating the fact that he is still here with us, and we're inspired by his decision to use his precious time to launch The Jonathan Clements Getting Going on Savings Initiative. Watch or listen to find out how you can get a free Kindle copy of Jonathan's new book, and how you can help Jonathan pay it forward for the next generation. Free financial resources & episode transcript: https://bit.ly/ymyw-532 The first 100 people to email us will receive a free Kindle copy of The Best of Jonathan Clements: Classic Columns on Money and Life WATCH Retirement Sabotage! 12 Post-Retirement Money Mistakes to Avoid on YMYW TV ASK Joe & Big Al for your Retirement Spitball Analysis SCHEDULE your Free Financial Assessment SUBSCRIBE to YMYW on YouTube DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter Timestamps:  00:00 - Intro: This Week on the YMYW Podcast 02:53 - Jonathan Clements' Getting Going on Savings Initiative 05:23 - $1,000 Roth IRA Contributions and Personal Finance Education for Young Adults 07:55 - Exponential Growth: The Sooner You Save, The Better 09:44 - Research Study Will Measure Impact on Young Savers 11:56 - Financial Education is Important 14:05 - The John C. Bogle Center for Financial Literacy 14:38 - The First 100 People to Email Us Receive a Free Copy of The Best of Jonathan Clements: Classic Columns on Money and Life 15:45 - How Does a Healthy 62-Year-Old Non-Smoker End Up Living With Stage IV Lung Cancer? The EGFR Exon 20 Insertion Mutation 18:52 - HumbleDollar.com, The Jonathan Clements Getting Going on Savings Initiative, and The Best of Jonathan Clements Book

On this week's episode, we're pleased to welcome back returning guest, Jason Zweig. Jason writes the “Intelligent Investor” column in The Wall Street Journal and has published a number of popular and critically acclaimed books on investing and finance, including Your Money and Your Brain and The Devil's Financial Dictionary. In his most recent project, Jason published an update of Ben Graham's classic book, The Intelligent Investor. And we've devoted a portion of today's episode to delving into Graham and the Intelligent Investor with Jason. Please note that we recorded this interview on April 8, 2025.BackgroundBioYour Money and Your Brain: How the New Science of Neuroeconomics Can Help Make Your RichThe Devil's Financial DictionaryTariffs and TIPS“Trump Just Shredded the Economic Playbook. Here Are Your Next Investing Moves,” by Jason Zweig, wsj.com, April 4, 2025.“The Mistake You're Making in Today's Stock Market—Without Even Knowing It,” by Jason Zweig, wsj.com, April 25, 2025.“Four Questions You Should Ask to Combat the Market Chaos,” by Jason Zweig, wsj.com, April 10, 2025.“Inflation Isn't Going Away? Some Tips on How to Buy TIPS,” by Jason Zweig, wsj.com, Feb. 14, 2025.The Intelligent InvestorThe Intelligent Investor: The Definitive Book on Value Investing, by Benjamin GrahamThe Intelligent Investor Third Edition: The Definition on Value Investing, by Benjamin Graham and updated with new commentary by Jason Zweig.Jonathan Clements“The WSJ's Jonathan Clements Wants to Leave a Living Legacy,” by Jason Zweig, wsj.com, May 8, 2025.“Jonathan Clements: ‘Humility Is a Hallmark of People Who Are Financially Successful,'” The Long View podcast, Morningstar.com, Dec. 26, 2023.“Jonathan Clements: ‘Life Is Full of Small Pleasures,'” The Long View podcast, Morningstar.com, Oct. 15, 2024.Private Markets“Private Markets Seem Out of Reach for Individual Investors. BlackRock Thinks It Has an Answer,” by Jason Zweig, wsj.com, Sept. 12, 2024.“You're Invited to Wall Street's Private Party. Say You're Busy,” by Jason Zweig, wsj.com, Dec. 20, 2024.“Don't Buy Into This Easy Fix for Stock-Market Craziness,” by Jason Zweig, wsj.com, April 18, 2025.Other“SEC, States Investigate Firm Holding Couple's $763,094 Retirement Fund,” by Jason Zweig, wsj.com, Dec. 4, 2024.“David Swensen's Coda,” Yale News, news.yale.edu, Oct. 22, 2021.

Moody's downgrade of the U.S. credit rating to Aa1 is expected to push up borrowing costs for consumers-impacting mortgage, auto loan, and credit card rates-while highlighting growing fiscal challenges for the nation. Today's Stocks & Topics: FRSH - Freshworks Inc. Cl A, Market Wrap, FRSH - Freshworks Inc. Cl A, DG - Dollar General Corp., Moody's U.S. Credit Rating Downgrade: What It Means for Your Money, Where to Invest After 70, UNH - UnitedHealth Group Inc., Equity Fund Flows, SRS - ProShares UltraShort Real Estate, RSG - Republic Services Inc., Education Plans, The Privacy and Civil Liberties Oversight Board (PCLOB).Advertising Inquiries: https://redcircle.com/brands