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vor 3 Tagen

Q&A: Should We Retire in Our 40s With $4 Million and an 80% Stock Portfolio?

#740: Paula and Joe rarely butt heads — but a caller's side hustle, which pulled in $5,500 in a single day, sparked their most heated disagreement in months. This week's mailbag: a couple weighing an early retirement built on $1.2 million, a wedding-dress side hustle deciding whether to go all in, and a listener whose small stock investment turned into a $25,000 tax puzzle. In this episode, we discuss: How to build a bucket strategy so you can retire early and still stay aggressive with your portfolio The real markers that tell you it's time to go back to work — not just a number How one listener turned a marketplace side hustle into a $5,500 day When to leave a stable paycheck for a growing side business, and when to wait Why a popular plan to gift a winning stock to your kids usually backfires Whether it's worth paying taxes now to raise your stock's cost basis Where a single winning stock belongs — taxable, Roth, or a solo 401(k) Whether you're weighing an early exit from a stable career, deciding if your side hustle is ready to become your main hustle, or holding a stock that's grown far beyond what you expected, this episode will help you think through the tradeoffs before you act. ⏱️ TIMESTAMPS Note: Timestamps may vary slightly depending on dynamic ad placements. (00:00) Why a winning stock can turn into a tax trap (02:23) A $1.2M portfolio and a plan to retire by 45 (07:45) Why an aggressive portfolio needs a cash cushion first (16:49) The real signal your plan isn't working (24:25) A side hustle that made $5,500 in one day (33:51) Quit now or wait — two strong arguments (39:51) The book that could save a new business (54:09) A $200 stock that grew into $25,000 (01:01:08) The tax rule that blocks gifting stock to your kids (01:12:59) A hidden tax that kicks in above $250,000 income 🔗 RESOURCES MENTIONED 👉 Grab the free Asset Location Made Simple guide to see exactly which investments belong in your taxable, Roth, and pre-tax accounts: https://affordanything.com/assetlocation 👉 Frank Vasquez's risk parity portfolio, explained in depth on episode #618: https://affordanything.com/episode618 👉 Profit First by Mike Michalowicz, the book Joe recommends for setting up your business finances the right way from day one: https://amzn.to/3Sf7Tpo 👉 Julie Wainwright's interview on the Stacking Benjamins podcast, on rebuilding after Pets.com to found The RealReal: https://www.stackingbenjamins.com/from-business-idea-to-execution-julie-wainwright-1703 Learn more about your ad choices. Visit podcastchoices.com/adchoices
28. Juli

Q&A: Would You Spend $60,000 on a Wedding Knowing It Could Be $800,000 Someday?

#736: A bride wants to spend $60,000 on her wedding — money that could grow to $800,000 in 40 years if she invested it instead. This week, three very different listener questions all boil down to the same fight: what the math says versus what actually makes you happy. 👉 Figure out your own money mindset — free FiiRE Playbook: https://affordanything.com/fiire This week, Paula and Joe tackle three listener questions: a professor trying to retire in 12 years while his daughter starts college, a bride wondering if $60,000 is too much to spend on love, and a couple in Luxembourg deciding whether a 1.2% fee is worth paying to keep themselves from touching their own money. In this episode, we discuss: How to know if you can retire in 12 years while your kid starts college A little-known tax-advantaged account almost nobody realizes their child can use Why a 7% return assumption isn't a "set it and forget it" number Whether a $60,000 wedding is a smart use of money — or a mistake How to decide if a big purchase is worth it before you spend the money Why paying a fee to a financial company might actually be doing you a favor How to tell a resilient money habit from a fragile one This episode is for anyone caught between what the math says and what they actually want — whether that's a wedding, a retirement date, or a fee you're tempted to cut. If you've ever done the "mathematically wrong" thing on purpose, you'll feel understood by the end of this one. ⏱️ TIMESTAMPS Note: Timestamps may vary slightly depending on dynamic ad placements. (03:36) Can this couple retire together in 12 years? (07:15) Why his college savings look thinner than expected (26:15) The two retirement levers you can actually pull (26:46) A little-known tax-free account for kids (34:18) Is a $60,000 wedding a smart money move? (41:21) The math behind what that wedding money could grow into (45:44) What every big purchase question really comes down to (57:51) Pay the fee, or invest it yourself? 🔗 RESOURCES MENTIONED 👉 Figure out your own money mindset — free FiiRE Playbook: https://affordanything.com/fiire 👉 Steve Stewart and Sean Mullaney's free webinar on ACA subsidies and the Subsidy Cliff August 4th - no RSVP needed: https://SteveStewart.me/subsidycliff 👉 Hear Paula, OG, and Jesse Cramer react to the Diary of a CEO episode on AI's future, on the Stacking Benjamins podcast: https://youtu.be/wppwRxGtFD4 Learn more about your ad choices. Visit podcastchoices.com/adchoices
vor 2 Tagen

Meghan Klingenberg on Returning to Portland

In this episode, the tables are turned and host Meghan Klingenberg takes the guest seat on the U.S. Soccer Podcast presented by Henkel to talk her return to Portland to celebrate her retirement from professional soccer. Klingenberg reflects on her soccer career, the people and places that shaped her, and what it means to return to Portland, where she spent eight seasons and made so many memories as a player for the NWSL's Portland Thorns. She looks back on her journey, the highs and challenges of a career spent at the highest level, and the moments that made soccer so meaningful along the way. Plus, Kling answers YOUR questions in our Ask the Pros segment presented by O'Reilly Auto Parts. Chapters: 01:29 - David Gass interviews Meghan Klingenberg 10:10 - The Portland Thorns sign Kling still has today 18:54 - What's Kling's favorite moment from her career? 26:32 - What is Kling's personality on the pitch? 35:08 - Looking ahead to the USMNT's next window More info: http://www.ussoccer.com/podcast Learn more about your ad choices. Visit podcastchoices.com/adchoices
4. Aug.

Hackers Waited 3 Months for This Couple's $1.2 Million Deal, with Dr. Eric Cole [GREATEST HITS]

#738: Hackers broke into a real estate closing company's servers and waited three months for the right deal — then intercepted a wire and stole $1.2 million from a couple who did everything right, right down to the closing table. Dr. Eric Cole was a former CIA hacker, Cybersecurity Commissioner under President Obama, and longtime security advisor to Bill Gates. We're resharing this conversation, originally released in June 2025, in honor of his sudden passing this year and the practical security knowledge he left behind. In this episode, we discuss: -How to spot a phishing scam before you click the link -Why turning on two-factor authentication blocks almost every account takeover -The simple bank alert setting that can stop a fraudulent transfer -Why cybersecurity experts sometimes recommend paying a ransomware demand -How AI-cloned voices are powering a new wave of grandparent scams -What your phone's app permissions reveal about who's tracking you -Why "it won't happen to me" is exactly what scammers count on This episode is for anyone who assumes hackers only go after big companies — because the reality is scammers are counting on you to think that. You'll walk away with concrete, five-minute changes that close the gaps most people don't know they have. ⏱️ TIMESTAMPS Note: Timestamps may vary slightly depending on dynamic ad placements. (03:41) Why you're an easier target than a big bank (06:46) Why cryptocurrency theft is nearly impossible to reverse (10:59) How one password can move half your savings (17:35) The fake unpaid-toll text that's made scammers millions (21:55) Why paying the ransom is sometimes the smart move (29:05) How AI clones your kid's voice for scams (37:58) The one thing to never hand a child (54:57) Why you should mask your location online (01:16:18) The setting that blocks almost every account hack (01:18:45) The bank alert that can undo fraud fast 🔗 RESOURCES MENTIONED 👉 See your full financial picture — income, debt, safeguards, and goals — in one place with our free one-page worksheet: https://affordanything.com/cornerstone 👉 Dr. Eric Cole's firm, Secure Anchor Consulting: secure-anchor.com 👉 Signal, the encrypted messaging app Dr. Cole recommends for sensitive conversations: https://signal.org Learn more about your ad choices. Visit podcastchoices.com/adchoices
08.07.2024

Sheriff of Baghdad John 'Shrek' McPhee | Mike Ritland Podcast Episode 195

Subscribe to the Mike Drop Patreon Page to see Ad-Free Episodes Early + Bonus Content at https://www.patreon.com/mikedrop John McPhee, widely known as “The Sheriff of Baghdad” or “SHREK,” is a retired U.S. Army Special Operations Sergeant Major with over 20 years of distinguished service. A retired DELTA Force Operator, John was responsible for countless solo missions in country across a number of combat theaters all through out the war in Iraq and Afghanistan. After retiring from active duty, John founded the S.O.B. Tactical brand to extend his expertise to civilians, law enforcement, and militaries worldwide. Talking to John, one thing's for sure - he's not one to apologize about anything. In fact, he's more down to earth than you might expect, and he's more than happy to answer any questions anybody dares to throw at him. So how does a homegrown Chicago man go on to run solo missions of the highest order? How does one develop the skills necessary to pass their skillset onto the next generation? And most importantly - why the hell do people call him 'Shrek' anyway? Let's meet John. ---------- Support John McPhee - Step Into the World of Tactical Training with Specialized Courses at https://sobtactical.com Instagram - https://www.instagram.com/sobtactical YouTube - https://www.youtube.com/@sobtactical ---------- Sponsors: Beam Take advantage of Beam's biggest sale of the year and get up to 40% off for a limited time when you go to https://www.shopbeam.com/MIKEDROP and use promo code MIKEDROP at checkout! ---------- BUBS Naturals The BUBS namesake derives from Glen ‘BUB’ Doherty, who was heroically killed in Benghazi, Libya in 2012. In addition to remembering Glen for the patriot he is, the BUBS ethos centers around the passionate and adventure seeking life that Glen lived. BUBS Naturals products are rooted in sustainably sourced ingredients and controlled consistency to provide our customers with the highest quality Collagen Protein & MCT Oil Powder that help you feel amazing and live a fuller life. Our mission is simple. FEEL GREAT. DO GOOD. 10% always goes back to charity, helping military men and women transition back into civilian life. Go to https://www.bubsnaturals.com/mike and use code MIKE for 20% off your order. ------------ Black Buffalo If You're 21 and Older, consume Nicotine or Tobacco, and Want to Join the Black Buffalo Herd, Head over to https://www.blackbuffalo.com to learn more! Black Buffalo products are intended for adults aged 21 and older who are consumers of nicotine or tobacco. ---------- Fueled by TeamDog | www.mikeritlandco.com | @Teamdog.pet ALL THINGS MIKE RITLAND: SHOP for Fueled By Team Dog Performance Dog Food, Treats, Apparel, Accessories, and Protection dogs - MikeRitlandCo.com - https://www.MikeRitlandCo.com Team Dog Online dog training - TeamDog.pet - https://www.TeamDog.pet Learn more about your ad choices. Visit podcastchoices.com/adchoices
7. Juli

PJ Turned CIA Spy Breaks Silence on Human Trafficking in America | Ep. 299 | Pt. 1

Former U.S. Air Force Pararescueman and CIA officer Nic McKinley — a Harvard grad dubbed "the real Jack Ryan" for his operational background across spec ops and intelligence work — breaks down how his 11 years as a PJ and later role as country chief of a special CIA unit exposed him to the realities of child trafficking and illicit markets, work that eventually became the foundation for DeliverFund, the nonprofit he now runs that arms law enforcement with technology, actionable intelligence, training, and data-driven tools to fight human trafficking. We dig into how smartphones and gaming platforms turned into a direct pipeline connecting predators to kids, why the policy fixes are obvious but the people with the power to enact them won't touch it, and what it actually takes to hunt a human trafficker for a living. Learn more about your ad choices. Visit podcastchoices.com/adchoices
11.12.2022

Delta Force Operator Tyler Grey | Mike Ritland Podcast Episode 121

Tyler Grey grew up in Bakersfield, California, joined the army in 1998 and quickly advanced from training into the 75th Ranger Regiment, 2nd Battalion, spending most of his time there as a Sniper. He spent the rest of his career at Ft. Bragg. Grey deployed four times - two each to Afghanistan and Iraq - before he became disabled from an explosion that occurred during a late-night house raid that turned into a gun-battle in Baghdad in 2005. Nowadays, Tyler's an actor, producer, and director on the CBS show SEAL Team, where he puts his skills to work teaching others about the challenges our country's heroes face every day. But how did he get to work on an actual television show? Do people assume he used to be a SEAL? And what exactly happened in that late-night house raid in 2005 that changed everything? ----------Chapters:00:00 - Intro02:00 - ...But I Play One on TV07:30 - Military Rivalries10:00 - Morning Routine12:30 - Hit on a Motorcycle16:00 - Combat in Hollywood22:00 - Filming Action Isn't Easy24:00 - I Do All My Own Stunts30:00 - Breaking Into Hollywood36:00 - Real Kits, Real Guns42:00 - Breaching Pyrotechnics44:00 - On-Set Shootings on The Crow & Rust49:00 - Growing Up in Bakersfield, CA54:00 - Green Beret Dreams, Army Ranger Realities1:11:00 - A First-Mission Combat Story1:15:00 - The Best-Kept Secret in the Military1:20:00 - Spec Ops Training Starts at Zero1:27:30 - Feeling Like a Superhero1:28:00 - A 2-Man Graduation1:30:00 - Big Boy Pranks1:32:00 - A Delta Force Operator1:36:00 - A Thirty-Thousand Foot View1:37:00 - Horribly Wrong1:42:00 - A Fallujah Walkout1:44:00 - Brilliantly Operated1:50:00 - Military Married1:52:00 - Second Deployment, '05-'061:54:00 - A Morbid Curiosity2:01:00 - A Cool Dog Story2:06:30 - Getting Blown Up: A Play-by-Play2:31:30 - 60 Days in the Hospital2:35:30 - 30-40% Mobility 2:38:00 - Being In Sets You Up for Being Out2:43:30 - A Fundamentally Self-Destructive Person2:46:15 - L.T.S.D.2:52:30 - Self Destruction is Growth, Kinda2:57:30 - Finding RAMBOSupport Tyler Grey: IG: https://www.instagram.com/tyleragreySEAL Team on CBS: https://www.cbs.com/shows/seal-team------------Sponsors:MasterworksSkip the waitlist, support the show, and start investing in blue-chip art today at https://www.masterworks.art/mikedrop“net returns” refers to the annualized internal rate of return net of all fees and costs, calculated from the offering closing date to the sale date. IRR may not be indicative of Masterworks paintings not yet sold and past performance is not indicative of future results. See important Reg A disclosures: Masterworks.com/cd Masterworks’ offerings are filed with the SEC, view all past and current offerings here: https://www.sec.gov/cgi-bin/browse-edgar?company=masterworks&match=&filenum=&State=&Country=&SIC=&myowner=exclude&action=getcompany------------ManscapedGet 20% off + free shipping with the code "MIKEDROP" at manscaped.com. That’s 20% off + free shipping with the code "MIKEDROP" at manscaped.com. Keep things smooth and fresh as we say sayonara to Smooth Ball Summer and enter Fresh Ball Fall!------------Athletic GreensAthletic Greens is going to give you a FREE 1-year supply of immune-supporting Vitamin D AND 5 FREE Travel... Learn more about your ad choices. Visit podcastchoices.com/adchoices
17. Juli

The Hidden Math Behind Every Venture Capital Fund, with former Wharton Prof. David Bell

#733: Venture fund managers can collect years of fees before a single dollar comes back to investors — and the bar to hand over your money is lower than you'd think. David Bell spent 20 years as a chaired professor at Wharton before co-founding the venture firm Idea Farm Ventures, where he's backed early-stage brands like Bonobos, Warby Parker, and Jet.com. In this episode, we discuss: How venture funds actually make money, and why nearly every one runs on the same fee formula Why fund managers get paid before they've invested anything Why the bar to invest in risky private deals is lower than you'd think What to ask before trusting any fund manager with your money The one red flag that should make you think twice about an eager fund manager How some investors make an all-or-nothing bet on a single breakout company Why taking outside money can quietly change what a founder is optimizing for Whether you're weighing becoming a fund investor yourself or you're a founder deciding whether outside money is worth what it costs, this episode gives you a clearer read on how the venture world actually works. ⏱️ TIMESTAMPS Note: Timestamps may vary slightly depending on dynamic ad placements. (03:41) How venture capital actually works, in three tiers (06:09) The fee formula nearly every venture fund runs on (10:30) Why fund managers get paid before they invest anything (14:19) The surprisingly low bar to invest in risky deals (26:52) What to ask before trusting any fund manager (29:27) How investors make an all-or-nothing bet on one company (34:33) The red flag hiding in an eager fund manager (42:16) What separates a great fund manager from a mediocre one (48:10) How outside money quietly changes what a founder optimizes for (55:47) Why kids today may never remember life before AI 🔗 RESOURCES MENTIONED 👉 The free FiiRE Playbook breaks down all seven entrepreneur types — from bootstrapper to funder — so you can see which game you're actually playing: https://affordanything.com/fiire 👉 David Bell's website: https://www.davidbell.co 👉 Lost and Founder by Rand Fishkin: https://www.penguinrandomhouse.com/books/547217/lost-and-founder-by-rand-fishkin 👉 Burn Rate by Andy Dunn: https://www.penguinrandomhouse.com/books/653309/burn-rate-by-andy-dunn Learn more about your ad choices. Visit podcastchoices.com/adchoices
13.05.2020

129 - Bill Wennington - 5/13/2020

Bill Wennington on why Mike got emotional in episode 7, Scottie's leadership style when it was his team, why Phil was the perfect coach, what it was like playing with Rodman, if the Bulls could have ripped one more title, and so much more. See omnystudio.com/policies/listener for privacy information. Learn more about your ad choices. Visit podcastchoices.com/adchoices
22.04.2020

126 - B.J. Armstrong - 4/22/2020

BJ Armstrong with some incredible insight on The Last Dance, getting over on the Pistons, Scottie's contract, Jerry Krause's perspective, trying to keep up with Mike's soul-snatching mindset, and everything else that made MJ the GOAT. See omnystudio.com/policies/listener for privacy information. Learn more about your ad choices. Visit podcastchoices.com/adchoices

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