Cumulus Podcast Network

•

Kanal • 18 serier

Nyhedskommentarer

Nyhedskommentarer

Dagligt
Investering

Investering

Ugentligt
Personlige fortællinger

Personlige fortællinger

To gange om ugen
Politik

Politik

Dagligt
Amerikansk fodbold

Amerikansk fodbold

Dagligt
Fodbold

Fodbold

Ugentligt
Komedieinterviews

Komedieinterviews

Dagligt

4 DAGE SIDEN

The Financial Reality of Developmental Disabilities, with Keith Wargo

#709: Keith Wargo has spent decades navigating one of the most daunting financial planning challenges a family can face: raising a child with a developmental disability. He joins us to share what families need to know. The financial stakes are significant. Keith, who is the CEO of Autism Speaks, estimates lifetime care costs for a person with a developmental disability can run between $1.4 and $2.4 million - and that figure may be conservative. Yet many families put off financial planning because the day-to-day demands of caregiving leave little room for anything else. One of the first things Keith walks us through is the federal benefits system. Medicaid and SSI are the primary lifelines for many families, but qualifying takes time - for Keith's family, it took three years of meetings and paperwork. There's also a critical detail: SSI requires the individual to have no more than $2,000 in assets in their name. A well-intentioned inheritance from a grandparent can wipe out eligibility overnight. That's why Keith recommends a special needs trust for most families. Assets held in the trust don't count against federal benefit limits. He also recommends pairing the trust with a "second to die" life insurance policy - one that pays out after both parents are gone - to help fund it. ABLE accounts round out the toolkit. Similar to a 529 plan, they allow tax-free contributions of up to $20,000 per year for a person with a qualifying disability. The funds cover everyday expenses like food, transportation, and entertainment. Unused 529 funds can also be rolled into an ABLE account, up to $20,000 per year. Keith also addresses trustee succession - who manages the money after the parents are gone, and who steps in after that person. His advice: start building a network early, revisit the plan every few years, and bring siblings into the financial conversation sooner than feels necessary. 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) The Financial Reality of Developmental Disabilities (02:00) Caregiving's financial toll on families (03:41) Keith's background (04:26) His son AJ's diagnosis and journey (07:08) Rights and services end at age 22 (08:06) Medicaid, SSI, and SSDI explained (14:12) The $2,000 asset limit for SSI eligibility (14:33) Why special needs trusts matter (16:04) Life insurance as a funding tool (23:08) Planning two retirements simultaneously (25:04) ABLE accounts - the basics (27:06) ABLE account balance limits by state (36:35) Employment opportunities for neurodiverse workers (42:11) Fraud and safety risks to be aware of (51:15) Trustee succession planning (53:22) Rolling 529 funds into ABLE accounts Learn more about your ad choices. Visit podcastchoices.com/adchoices

4 dage siden

•

1 t. 1 m.
21. APR.

Q&A: My Mom Is 73. She Has a House — But It Doesn’t Pay the Bills. Now What?

#708: What’s the smartest way to handle big financial transitions—when the stakes are high and the “right” answer isn’t always obvious? Anonymous “Cyndi Jr.” is helping their 73-year-old mother relocate across the country and needs to decide how to use the proceeds from a home sale to balance long-term housing security with inflation protection. Anonymous is trying to figure out how to handle quarterly estimated taxes on investment income—without relying on safe harbor rules that don’t always reflect market swings. Luz, whose previous question was featured on the show, is now navigating a major job change and wondering what to do with an old 401(k)—while also rethinking how Roth accounts, an HSA, and debt all fit into a bigger financial strategy. We’ll walk through each of these and help you think it through in today’s episode. Resources mentioned: Don’t miss the YFRP Webinar! https://affordanything.com/rental2026 Join the YFRP waitlist: https://courses.affordanything.com Listen to Luz’s previous question: https://affordanything.com/episode583 Stay in the Loop: https://affordanything.com/newsletter Share this episode with a friend, colleagues, and Cyndi Lauper: https://affordanything.com/episode708 Learn more about your ad choices. Visit podcastchoices.com/adchoices

21. apr.

•

1 t. 9 min.
21. APR.

They LIED About IRAN: What Really Happened in the Strait of Hormuz | Ep. 288 | Pt. 1

Greg Anderson returns to the Mike Drop Podcast. The former Army Ranger and U.S. Marshal breaks down the conflict with Iran, the strategic ripple effects, and what’s really happening in the Strait of Hormuz that isn’t being talked about. He also explains why he wouldn’t want his kids to join the military—and why he believes U.S. foreign policy needs a serious shift. Learn more about your ad choices. Visit podcastchoices.com/adchoices

21. apr.

•

1 t. 22 min.
1 DAG SIDEN

Q&A: He Wants to Die With Zero – Here’s How to Spend $1M Without Running Out

#710: What does it really look like to balance financial optimization with real-life tradeoffs—whether that’s choosing meaningful work, spending down your savings, or deciding where your next dollar should go? Mike is planning to retire at 60 with $1 million saved and a clear goal: spend it all during his lifetime. He wants to know how to structure his withdrawals so he can maximize income now while still covering the decades ahead. Kip was planning to retire after feeling burned out—until a chance conversation led him to a completely different role within his company. Now he’s happier than ever, but he’s also curious about whether real estate syndications are a smart next step for investing. Jessie and their spouse are about five years away from early retirement and trying to decide where their next savings dollar should go—keep maxing out Roth IRAs, or shift toward a taxable account for more flexibility? We’ll get into all of that—and how to think through each of these decisions—on today’s episode. Resources Mentioned: Listen to Kip’s previous question: https://affordanything.com/episode627 Don’t miss the YFRP Webinar! https://affordanything.com/rental2026 Join the YFRP waitlist:⁠ https://courses.affordanything.com Stay in the Loop:⁠ https://affordanything.com/newsletter⁠ Die with Zero, a book by Bill Perkins: ⁠https://amzn.to/3P1ydBS⁠ Share this episode with a friend, colleagues, and your arborist: https://affordanything.com/episode710 Learn more about your ad choices. Visit podcastchoices.com/adchoices

1 dag siden

•

1 t. 13 min.
17. APR.

Q&A LIVE from Texas A&M Texarkana

#707: Joe and I traveled to the campus of Texas A&M University-Texarkana for a very special live recording. We were joined by Jay Davis, the Executive Director of Financial and Entrepreneurship Engagement, to answer questions from an incredible audience of students. Whether you’re just starting your career or looking to "reset" your habits, this episode covers the essential transition from the classroom to the professional world. Student Questions Hannah (Psychology Major): How do I navigate the trade-offs between passion, a paycheck, and peace of mind in my 20s without having regrets later? Hannah (Second Student): As I move from a student budget to a professional salary, how do I prevent "lifestyle creep" from eating my first big raise? Gabriel: How do I find the middle ground between being responsible for "Future Me" and actually enjoying my life while I’m young? Stephano: When is the right time to start investing, and how do I balance that with paying down student loans? Valarie: How do I build a solid credit score as a student without falling into the trap of high-interest debt? Thomas: What are the most important "marketable skills" I should be developing now to ensure financial security later? Key Takeaways Follow Curiosity Over Passion: Passion is often a side effect of mastery, not the starting point. Follow your curiosity into deep learning; the fulfillment (autonomy, mastery, and purpose) will follow once you become an expert in your craft. Build Your "Bravery Fund": High marketable skills and a solid emergency fund give you the freedom to take risks. If you have a financial cushion and low fixed costs, you have the "bravery" to pivot careers if your first choice isn’t the right fit. Automate Your Success: The most effective way to beat lifestyle creep is to "hide" your raise from yourself. Set up automated transfers to retirement accounts or debt repayment for the same day your paycheck hits your account. Beware of High Fixed Costs: Avoid the "new grad" trap of heavy car payments ($700–$1,000/month). These high monthly obligations are the biggest inhibitors to your future housing flexibility and career mobility. The 24-Hour "Fun" Rule: To balance current enjoyment with future savings, create a deliberate "yes" list. If you want to spend on a hobby or experience, wait 24 hours to ensure it’s a conscious choice rather than an impulse. Resources mentioned: Don’t miss the YFRP Webinar on May 12th! ⁠https://affordanything.com/rental2026 A&M University Website: https://www.tamut.edu Grab a copy of Deep Work by Cal Newport: https://amzn.to/4truxs3 Receive our newsletters https://affordanything.com/newsletter Don’t miss the YFRP Webinar on May 12th! https://affordanything.com/rental2026 YNAB for students: https://www.ynab.com/college Chapters Note: Timestamps are approximate and may vary across listening platforms due to dynamically inserted ads. (00:00) The Abridged Live Performance from Texas A&M Texarkana (01:19) Hannah’s Question: Passion vs. Paycheck (06:31) The "Bravery Fund" & Your Freedom to Pivot (13:35) Hannah’s Question: Defeating Lifestyle Creep (20:43) Gabriel’s Question: Future You vs. Present You (30:57) Stephano’s Question: Debt vs. Investing (41:55) Valarie’s Question: Building Credit Responsibly (50:15) Thomas’s Question: Developing Marketable Skills Learn more about your ad choices. Visit podcastchoices.com/adchoices

17. apr.

•

50 min.
17. APR.

Iran, the Strait of Hormuz & Why Boots on the Ground Would Be a Disaster | Ep. 287 | Pt. 3

Joe England (The Stoic Viking), shares unfiltered insights on the current conflict with Iran. He breaks down the strategic realities of the Strait of Hormuz, the challenges of regime change, shifting alliances, and why boots-on-the-ground solutions remain extremely risky. He also discusses the long-term threat of China’s global influence, the dangers of unchecked conspiracy thinking, and how stoicism and warrior philosophy helped him rebuild after hitting rock bottom. Learn more about your ad choices. Visit podcastchoices.com/adchoices

17. apr.

•

1 t. 6 min.
5 DAGE SIDEN

America First Foreign Policy: Isolationism, Israel, Iran & Endless Wars | Ep. 288 | Pt. 2

In part 2 of Episode 288 on the Mike Drop Podcast, Mike Ritland sits down with retired Army Ranger Greg Anderson. They discuss America First foreign policy, skepticism toward endless wars and foreign aid, reflections on World War II and government trust, and when (if ever) the U.S. should get involved overseas. The conversation then turns to Greg’s work building community through jiu-jitsu, the five-day dry fast he completed, and his upcoming 3,100-mile Pacific rowing expedition. Learn more about your ad choices. Visit podcastchoices.com/adchoices

5 dage siden

•

1 t. 9 min.
4 DAGE SIDEN

Rowing the Pacific: 60 Days at Sea, Endurance & Ocean Expedition | Ep. 288 | Pt. 3

In the final part of Episode 288 on the Mike Drop Podcast, Mike Ritland continues his conversation with retired Army Ranger and jiu-jitsu academy owner Greg Anderson. They dive into Greg’s upcoming 3,100-mile unsupported ocean rowing expedition from Washington to Maui, including boat logistics, team dynamics, extreme endurance challenges, and the personal drive behind pushing human limits. The discussion also covers his book Courage Through Adversity, lessons on leadership, ownership, and becoming a better man, plus reflections on writing, self-publishing, and inspiring the next generation. Learn more about your ad choices. Visit podcastchoices.com/adchoices

4 dage siden

•

1 t. 8 min.
16. APR.

A Tier 1 SIGINT Operator’s View of Delta, DEVGRU & Iran | Ep. 287 | Pt. 2

Joe England (The Stoic Viking) delivers a firsthand account of life inside America’s most secretive intelligence unit, Task Force Orange (Intelligence Support Activity/ISA). He details attachments with Delta Force and DEVGRU SIGINT operations in Iraq and beyond, working against Iranian Quds Force elements during the rise of ISIS, and the challenges of clandestine missions under alias across multiple continents. The conversation also covers his transition out of the unit, rock-bottom struggles with identity and loss, his path to becoming a Black Hawk pilot, and how stoicism helped him rebuild purpose. Learn more about your ad choices. Visit podcastchoices.com/adchoices

16. apr.

•

1 t. 17 min.
14. APR.

Iran Prepares to Strike the US As Tensions Escalate in the Middle East | Ep. 287 | Pt. 1

Joe England—aka Stoic Viking—shares his incredible story of survival, resilience, and purpose. After a near-fatal car accident that changed everything, Joe opens up about rebuilding mentally and physically, his drive to serve, and the mindset forged through adversity. The conversation also dives into hard geopolitical realities, including a raw discussion on Iran, global conflict, and what many are missing about the threat landscape. Learn more about your ad choices. Visit podcastchoices.com/adchoices

14. apr.

•

1 t. 22 min.

Cumulus Podcast Network is Home to America's Big Bold Voices. Our diverse network gets America talking every day!

Websted

Cumulus Podcast Network

Mest populære serier

Mest populære episoder

Om