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5 days ago

Q&A: What Nepal Reveals About Wealth and Safety

#746: We begin today’s episode with a discussion of the disastrous flash flooding in Nepal, a personal topic for Paula given her family there. There’s both a human story, one of the resilience of the Nepalese people and the strong community bonds there, and an economic story, where poor infrastructure and a lack of economic development have hindered disaster response and exacerbated the tragedies of recent events. Listeners can donate to help the victims here: The Prime Minister Relief Fund: https://pmdrf.nchl.com.np/ Caritas Nepal: https://www.caritasnepal.org/donate-now/ Learn more about the ongoing rescue efforts at https://help.ekantipur.com/ A caller wants to put part of her mom's $80,000 home-sale proceeds into an annuity — and it left her financial-planner co-host doing a double take. Turns out it might be the first caller in the show's history the product was actually built for. This week's Q&A tackles two retirement questions from listeners: when it makes sense to ease off maxing out a 401k in favor of a more flexible brokerage account, and whether a guaranteed-income annuity is the right move for a retiree who isn't great at managing money on her own. In this episode, we discuss: How to know when to stop maxing out your 401k and start filling a taxable brokerage account instead The real "deal" you're making with the government every time you use a tax-advantaged account Why an insurance company can keep 100% of the money if the annuity holder dies too soon — and how to avoid it The one type of person a guaranteed-income annuity is actually built for A simple daily habit trick for building consistency, borrowed from a world-class choreographer Why doing everything right doesn't guarantee a good outcome, and what that means for your own decisions What Nepal's disaster response reveals about the real payoff of economic development Whether you're mapping out an early-retirement bridge or helping a parent build guardrails around a windfall, this episode will help you think more clearly about the trade-offs each option carries. 🔗 RESOURCES MENTIONED 👉 Not sure which investments belong in your 401k, your Roth, or your taxable account? Grab our free guide to figuring out where each one goes: https://affordanything.com/assetlocation 👉 Morgan Housel on the split-second decision that changed everything: https://affordanything.com/488-gut-instincts-and-big-decisions-with-morgan-housel/ 👉 Our interview with retirement researcher Dr. Wade Pfau on annuities and retirement income: https://affordanything.com/271-retirement-planning-in-2020-with-dr-wade-pfau/ Learn more about your ad choices. Visit podcastchoices.com/adchoices
25 Aug

This Historian Says We're Living in the Best Era Ever, with Joseph Moore

#744: With about $200 and a crypto exchange, historian Joseph Moore turned himself into a legitimate billionaire — a stunt that says more about how money actually works than most financial advice does. It's also a preview of the 300-year argument he makes in this episode: that almost everything we're told about money is newer, and far less permanent, than we think.Joseph Moore, PhD, is a historian and the national bestselling author of How to Get Rich in American History: 300 Years of Financial Advice That Worked (& Didn't). His own self-experiments with historical money strategies helped him become financially independent in his mid-40s. In this episode, we discuss: How "never save your money" used to be completely reasonable financial advice Why bonds quietly beat stocks for nearly all of the 1800s How to spot when today's "obvious" financial rules are about to expire Why real estate booms always show up right alongside inflation spikes Why young people's unemployment is outpacing everyone else's — and what history says to do about it Why economic optimism and economic data have stopped matching up Why building more housing is the only housing-crisis fix that's ever actually worked This one's for anyone who feels like the rules of money keep changing under them — because they do, and always have. Understanding that pattern is the first step to building wealth in whatever era you happen to be living in. ⏱️ TIMESTAMPS Note: Timestamps may vary slightly depending on dynamic ad placements. (05:18) How a runaway slave built his own legal currency (06:52) How he legally declared himself a crypto billionaire (13:22) Why a fifth of the Smithsonian's money collection is fake (15:52) The bestselling book that told readers to commit fraud (20:10) The decades when bonds quietly beat stocks (26:04) How his grandfather secretly became a bond millionaire (31:09) Why that "$10K in 1929" chart is misleading (48:02) Why wages are up 50% and nobody believes it (1:06:39) Why most Americans once owned one shirt (1:23:48) The rent control law that backfired for renters 🔗 RESOURCES MENTIONED 👉 Build a Life of Financial Freedom with our free workbook: https://affordanything.com/fiire 👉 Joseph Moore's site — his book, essays, and more: https://www.josephmoorebooks.com 👉 Your Money or Your Life by Vicki Robin & Joe Dominguez: https://vickirobin.com/your-money-or-your-life/ 👉 The Latte Factor by David Bach: https://www.simonandschuster.com/books/The-Latte-Factor/David-Bach/9781982120245 Learn more about your ad choices. Visit podcastchoices.com/adchoices
6 days ago

Navy SEAL: Kicked Out of the Naval Academy — Then Earned His Way Into the SEAL Teams | Ep. 307

Former Navy SEAL Jonathan Wilson sits down with Mike Ritland to share his path from getting kicked out of the Naval Academy to fighting his way into the SEAL Teams and deploying to Iraq. He opens up about combat, taking a life, rediscovering his faith, the toll his career took on his family, his own struggles after service, and the mission that ultimately led him to help other veterans navigate transition and mental health. Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy
22 Aug

Everyone Wants a Piece of You. Here's How to Stay Whole -- with Luke Burgis

#743: Everyone talks about a loneliness epidemic — but Luke Burgis argues the opposite problem is just as real: we now have so much easy, frictionless community that we never have to develop a solid sense of who we actually are. Luke Burgis is a professor of business at The Catholic University of America and the founder of the Cluny Institute, and the bestselling author of Wanting: The Power of Mimetic Desire in Everyday Life. He returns to the show to talk about his new book, The One and the Ninety-Nine. In this episode, we discuss: Why having too much easy community can be just as damaging as having none at all How to tell whether your beliefs are actually yours — or something you inherited without ever examining it Why cutting people off has quietly become the default response to conflict How to stop shrinking yourself just to keep other people comfortable The zero-tolerance rule Luke enforces at his own company to kill passive-aggressiveness before it starts How Luke actually decides who to trust, hire, and build relationships with What an existential crisis at 29 — and five humbling years training for the priesthood — taught a successful entrepreneur about identity This episode is for anyone who feels the pull between fitting in and standing out — in your family, your workplace, or your online life. Luke offers a way to build an identity solid enough to hold up under pressure, without giving up on real community. ⏱️ TIMESTAMPS Note: Timestamps may vary slightly depending on dynamic ad placements. (7:42) Two competing drives wired into every human being (10:11) Why group pressure breaks some people and not others (17:39) Why cutting people off replaced working through conflict (19:39) The real number of close friends you actually need (26:51) Where your beliefs actually came from (32:00) You're not responsible for how someone else feels (36:09) The zero-tolerance workplace rule against passive-aggressiveness (41:22) How to actually tell who you can trust (53:33) The existential crisis that sent an entrepreneur toward the seminary (55:39) The humbling lesson hidden in a vending machine 🔗 RESOURCES MENTIONED 👉 This free 10-day workbook helps you trace your money habits back to whether they're actually yours — starting with your own money mindset — https://affordanything.com/fiire 👉 Luke's website (books, newsletter, and more) — https://lukeburgis.com 👉 Luke's new book, The One and the Ninety-Nine: Forging Identity in the Age of Social Contagion — https://www.amazon.com/One-Ninety-Nine-Forging-Identity-Contagion/dp/1250373034 👉 Paul Graham's essay "Cities and Ambition," on how the place you live shapes what you want — https://paulgraham.com/cities.html Learn more about your ad choices. Visit podcastchoices.com/adchoices
25 Aug

Air Force JTAC Reveals Why Special Operators Can’t Fight Without Air Support | Ep 306

Air Force Special Operations JTAC veteran Conan Higgins joins the show to break down what a Joint Terminal Attack Controller actually does on the battlefield—and why he believes air power could have changed the outcome of missions like Operation Red Wings. Conan deployed to Afghanistan, Iraq, and the Philippines, earning two Bronze Stars for combat action, while simultaneously serving as a Washington State trooper, undercover narcotics detective, and SWAT team leader—all while finishing law school. Today he's the president of an international law firm based in D.C., advising security, defense, and risk consulting clients in 19 countries across six continents. We get into calling in airstrikes under fire, the raw power and vulnerability of close air support, and his blunt take on where the current strikes on Iran could be headed. Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy
14 Aug

You Can't Buy Back Your 20’s — with Jack Raines

#740: Jack Raines turned $6,000 into $400,000 trading blank-check stocks during the 2020–2021 bubble — and he says it was some of the least fun money he's ever made. Jack Raines is a writer and investor at Slow Ventures, and the author of the new book Young Money: A Field Guide to Wealth and Purpose in Your Twenties. In this episode, we discuss: Why "golden handcuffs" are almost always a choice, not a trap How to tell if you're staying in a job for the right reasons, or just fear Why the same decision can be exactly right at 24 and wrong at 34 What actually helps when comparison and "falling behind" turn into apathy How he turned $6,000 into $400,000 trading a stock bubble, then gave much of it back Why hitting your number rarely feels like the finish line people expect Two questions worth asking before you spend years on something that isn't working This one's for anyone who feels behind, stuck, or unsure if their current path is a smart trade-off or just fear in disguise — Jack's way of thinking about money and time might be the reset you need. ⏱️ TIMESTAMPS Note: Timestamps may vary slightly depending on dynamic ad placements. (02:00) He liked his boss on a dating app (06:57) Two very different ways to spend your twenties (17:56) Why grad school became his built-in sabbatical (19:16) Why 30 gets judged harder than 24 (34:12) The real cause of career apathy (39:20) His best fix for feeling stuck (46:27) Same decision, right at 24, wrong at 34 (01:01:43) What's really keeping you in a job you hate (01:14:12) Why more money doesn't fix stress (01:17:56) Turning $6,000 into $400,000 in a stock bubble 🔗 RESOURCES MENTIONED 👉 Take the free 10-day FiiRE money-mindset workbook: if "I make too much to quit" sounds familiar, this helps you find out if that's actually true. → https://affordanything.com/fiire 👉 Jack's new book, Young Money: A Field Guide to Wealth and Purpose in Your Twenties → https://jackraines.blog/book 👉 Nick Maggiulli's The Wealth Ladder, the six-level wealth framework Paula references → https://www.amazon.com/Wealth-Ladder-Proven-Strategies-Financial/dp/0593854039 👉 Freedom, the app Jack and Paula both use to block social media and protect focus time → https://freedom.to Learn more about your ad choices. Visit podcastchoices.com/adchoices
19 Jun

What Most Families Get Wrong About Passing Down Wealth, with Andrea Baumann Lustig

#725: Most people assume their financial advisor is legally required to put their interests first. That's not always true. Andrea Baumann Lustig, a wealth advisor with 30 years of experience, joins us to walk through the blind spots she sees most often in legacy planning -- the deeply held beliefs that quietly undermine people's financial futures. We start with something most people never think to ask: how is your advisor actually registered? There are three categories. Registered representatives (stockbrokers) are held to a "best interest" standard - but they don't have to disclose when they earn a higher commission for recommending a specific investment. Fiduciaries are held to a stricter standard - they must put your interests ahead of their own. And 45 percent of advisors are dually registered, meaning they can switch between those two standards depending on which account they're discussing with you. Most clients have no idea this is happening. From there, we dig into what Lustig calls the "quarterback" problem. Many people have a financial advisor, an estate planning attorney, an accountant, and an insurance agent - but those specialists never talk to each other. Without someone coordinating the full picture, opportunities get missed and risks go unseen. We also talk through what happens when people try to manage everything themselves, why having multiple investment advisors can actually backfire (think: wash sale rule violations and hidden concentration risk), and why a revocable trust matters even if you don't think you're wealthy enough to need one. Lustig explains the three Ps a revocable trust protects against - probate, incapacitation, and privacy - and why even people in their 30s and 40s should consider setting one up now. The conversation closes with advice for small business owners on how to think about a business that might not be sellable - and how to plan around it anyway. Timestamps: Note: Timestamps will vary on individual listening devices based on dynamic advertising run times. The provided timestamps are approximate and may be several minutes off due to changing ad lengths. (00:00) Intro (04:52) Three types of financial advisors explained (07:11) Fiduciary vs. best interest standard (13:21) Dangers of dually registered advisors (17:26) Why you need a planning quarterback (22:42) Risks of using multiple investment advisors (35:10) Who benefits from holistic wealth management (38:50) The three Ps of a revocable trust (42:19) Returning to the blind spots overview (45:40) Risks of managing money yourself (55:13) Key questions to ask a new advisor (1:03:34) Index funds vs. active management (1:10:04) Asset allocation and rebalancing strategy (1:19:10) Legacy planning for small business owners (1:25:54) How to spot your own blind spots Resources: Book: Legacy on the Line: Overcome Blind Spots to Grow and Transfer Your Wealth by Andrea Baumann Lustig Free download: The FiiRE Playbook Share this episode with a friend, colleagues, and your estate attorney: https://affordanything.com/episode725 Learn more about your ad choices. Visit podcastchoices.com/adchoices
11 Aug

The REAL Story Behind Michael Monsoor & Task Unit Bruiser | Ep. 304 | Pt. 1

Mike Sarraille breaks down his path from getting kicked out of college to Force Recon to Navy SEAL to DEVGRU. He talks Delta vs DEVGRU, deploying to Ramadi with Task Unit Bruiser, and standing three feet from Michael Monsoor the day he died saving his team. Also covers DEVGRU selection and why he thinks the Iran conflict is repeating Iraq's mistakes. Learn more about your ad choices. Visit podcastchoices.com/adchoices Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy
15/11/2023

Happiness Habits, with Harvard Professor Arthur Brooks

#472: Imagine this: You’re a teenage musical prodigy, a world-class classical French horn player. You drop out of college at age 19 and spend your twenties touring the globe as a musician (including, once, tripping and falling off the stage at Carnegie Hall). At age 31, you retire from your musical career, get a Ph.D., and become a professor – first at Syracuse and then at Harvard, where you teach both at Harvard Business School and at the Harvard Kennedy School. You publish 13 books and write a column for The Atlantic, which gets noticed by Oprah Winfrey. Oprah then invites you to dinner, where she asks you to co-author a book together. This is the life of today's guest, Harvard Professor Arthur Brooks, whose collaboration with Oprah, a book called Build the Life You Want, focuses on the science and research behind happiness. Brooks teaches a class on leadership and happiness to second-year Harvard MBA candidates. In our conversation, we discuss a range of topics, including metacognition (thinking about how to think), the neurobiological basis of ruminating, and how to balance the concept of contentment with the innately human urge for ambition and progress. He also offers a formula for happiness: enjoyment + satisfaction + meaning and purpose. So – I hope you enjoy this episode; I hope you find it satisfying, and I hope it fills you with meaning and purpose! – Paula For more information, visit the show notes at https://affordanything.com/episode472 Learn more about your ad choices. Visit podcastchoices.com/adchoices
16/12/2024

Pioneer PTSD Physician Dr. Eugene Lipov | Mike Ritland Podcast Episode 218

Dr. Eugene G. Lipov is a physician researcher and board-certified anesthesiologist who specializes in intervention-based pain management in the Chicago area. He is best known for his treatment of post-traumatic stress disorder using the stellate ganglion block - an injection-based technique that "seems to 'reboot' the body's sympathetic nervous system. Simply put, it's a localized injection to the neck that can immediately provide relief for pain relief, circulation, and notably, post-traumatic stress disorder - a one-shot injection that claims to nearly cure PTSD altogether. Having authored over 40 medical publications alongside his upcoming book 'The God Shot: A Breakthrough That Forever Changed Trauma Care' and having treated hundreds of veterans across a number of global military branches, it's safe to say that Dr. Lipov's work is on the very edge of what's possible in relieving PTSD in the veteran community. His work has saved countless lives of countless warriors, even including some of Mike's own circle of former operators. Are we at an inflection point in medicine, where we may soon find a real, genuine solution to post-traumatic stress disorder? Should we be embracing new language to de-stigmatize the term, shifting from PTSD (post-traumatic stress disorder) to PTSI (post-traumatic stress injury)? And most importantly - does SGB truly work as well as Dr. Lipov claims? ---------- Support Dr. Eugene Lipov - Get Your Copy of Dr. Lipov's Book 'The God Shot: A Breakthrough That Forever Changed Trauma Care' at https://thegodshotbook.com/ YouTube: https://www.youtube.com/@dreugenelipov Instagram: https://www.instagram.com/dreugenelipov Facebook: https://www.facebook.com/elipovmd LinkedIn: https://www.linkedin.com/in/eugenelipov ---------- Sponsors: ---------- TEAM DOG FOOD, TREATS & SUPPLEMENTS Be Your Dog’s Hero: Veteran-owned by a former Navy SEAL and Special Operations K9 Trainer, Team Dog provides a complete diet of science-backed premium dog food, treats, and supplements to optimize your dog’s health, forged from rigorous standards and real-world expertise. https://www.teamdog.shop TEAM DOG ONLINE TRAINING Mike Ritland – a former Navy SEAL & Special Operations K9 trainer – shares his simple and effective dog training program to build trust and control with your dog. Based on Mike’s bestselling book “Team Dog, Train the Navy SEAL Way”, join tens of thousands of families that successfully trained their way to a better dog. https://www.teamdog.pet SHOP ALL THE MIKE RITLAND BRANDS Get all your Mike Ritland branded gear - Mike Drop | Trikos | Team Dog https://shop.mikeritland.com/ Learn more about your ad choices. Visit podcastchoices.com/adchoices Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

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