Cumulus Podcast Network

•

Channel • 21 Shows

Personal Journals

Personal Journals

Updated twice weekly
Investing

Investing

Updated weekly
Investing

Investing

Updated twice weekly
Politics

Politics

Updated daily
News Commentary

News Commentary

Updated daily
TV & Film

TV & Film

Updated weekly
Government

Government

Updated daily

26 JAN

Rob O'Neill: Venezuela Raid Signals Huge Geopolitical Shift vs China | Ep. 276 | Pt. 3

Mike Ritland wraps the epic three-part sit-down with Rob O'Neill, the SEAL who ended Osama bin Laden. They tackle Venezuela’s game-changing raid and its massive geopolitical ripple effects, Greenland strategy, cartel threats in Mexico, AI/drones in future warfare, deep state battles, Epstein files, Charlie Kirk fallout, fraud deflection tactics, and Rob’s no-BS vision for fixing America. Raw, unfiltered, and packed—classic Mike Drop finale. Learn more about your ad choices. Visit podcastchoices.com/adchoices

26 Jan

•

47 min
5 DAYS AGO

From Vietnam EOD to Delta Force: Mike Vining's Path to Elite Operations | Ep. 277 | Pt. 2

Dive into Part 2 of Episode 277 of the Mike Drop Podcast, hosted by former Navy SEAL Mike Ritland. This gripping conversation features guest Mike Vining, a pioneering Delta Force operator, Vietnam veteran, and EOD (Explosive Ordnance Disposal) expert with over 30 years of military service. Listeners will uncover firsthand accounts of high-stakes operations, from Vietnam War missions and the Khobar Towers bombing investigation to the origins of Delta Force, its rigorous selection process, and the dramatic details of Operation Eagle Claw—the failed 1980 Iran hostage rescue. Packed with historical insights, personal anecdotes, and corrections to common myths, this episode offers an unfiltered look at special operations, counterterrorism, and the evolution of elite U.S. military units. Learn more about your ad choices. Visit podcastchoices.com/adchoices

5 days ago

•

1h 35m
3 FEB

The Insane 1976 Mission That Turned This Man Into an Original Delta Legend | Ep. 277 | Pt. 1

Join Mike Ritland on this episode of the Mike Drop podcast as he chats with retired Sergeant Major Mike Vining, a Vietnam veteran, explosive ordnance disposal expert, and founding member of Delta Force. With a career spanning 26 years and involvement in pivotal operations like the Cambodian incursion and Khobar Towers investigation, Vining shares riveting tales from the front lines, his reflections on war, and insights from his upcoming book Blasting Through, set for release in August 2026. Learn more about your ad choices. Visit podcastchoices.com/adchoices

3 Feb

•

1h 37m
31 JAN

10 Rules for Building a Portfolio That Actually Works for Your Life, with Cullen Roche

#685: You're not an investor. You're a saver. That's the first of 10 principles Cullen Roche shares in this conversation about building what he calls "the perfect portfolio." Roche, the founder and chief investment officer of Discipline Funds, argues that when you buy stocks on the secondary market, you're not actually funding companies or making investments in the traditional economic sense. You're just swapping your cash for someone else's stock position – reallocating your savings. This reframe matters because it changes your entire approach. Instead of trying to beat the market, you focus on the boring, prudent work of allocating your savings across different time horizons. We walk through all ten of Roche's principles. He explains why you are your portfolio's worst enemy – not just because fear makes you panic-sell during crashes, but because FOMO during bull markets leads you to chase performance at exactly the wrong time. He breaks down why diversification is the only free lunch in investing, why costs matter more than you think, and why real returns are the only ones that count after you strip out inflation, taxes, and fees. Roche introduces some concrete strategies most people have never heard of. The 351 exchange lets you swap concentrated stock positions into diversified ETFs without triggering immediate capital gains taxes. The "defined duration" approach matches specific pools of money to specific future expenses—like pairing a six-month treasury bill with next year's bathroom remodel. He also tackles the hardest allocation question: what to do with money earmarked for three to ten years from now. That awkward middle timeframe sits between "keep it in cash" and "put it in stocks," and Roche explains why traditional approaches like sixty-forty portfolios don't always work. The conversation covers everything from why long-term bonds make terrible matches for long-term goals to why thinking in time horizons beats thinking in investment styles. 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) Principle 1: you're a saver, not an investor (04:48) Real wealth comes from direct business ownership (06:43) Principle 2: you are your portfolio's worst enemy (09:58) FOMO during bull markets vs fear during crashes (12:43) Principle 3: beating the market is hard (15:18) The 5 percent "fun money" allocation debate (16:18) What to do when your position explodes (17:18) The 351 exchange tax strategy explained (20:28) Should you rebalance concentrated stock positions (22:18) Principle 4: diversification is the only free lunch (31:03) Gold and stock market both high simultaneously (35:43) When diversification becomes diworsification (40:03) Principle 5: the cost matters hypothesis (44:23) HSAs, 401ks and unavoidable fee structures (47:03) Why ETFs beat mutual funds on taxes (51:03) Principle 6: real, real returns matter most (1:00:58) Principle 7: risk is uncertainty of lifetime consumption (1:06:18) Longevity risk and unpredictable healthcare costs (1:13:03) Principle 8: asset allocation as temporal conundrum (1:24:43) The 3-10 year allocation problem explained (1:28:03) Principle 9: past performance doesn't predict future (1:31:18) Principle 10: set realistic expectations, stay the course Resources: Cullin's website and newsletter: https://disciplinefunds.com Grab the FREE handbook: https://affordanything.com/financialgoals Share this episode: https://affordanything.com/episode685 Learn more about your ad choices. Visit podcastchoices.com/adchoices

31 Jan

•

1h 36m
6 DAYS AGO

Building a Wealth Machine That Lasts Generations (SB1799)

Whitney Elkins-Hutten's story isn't about overnight success or getting lucky. It's about building a wealth machine that keeps working even when life throws curveballs. Broadcast as always from Joe's mom's basement, this episode explores how Whitney went from a modest, very 1970s upbringing to creating systems that generate lasting wealth, and what everyday people can realistically take from her experience. Yes, she built an $800 million real estate portfolio, but this conversation is about something bigger: how to create income systems that compound, scale, and eventually run without you. Along the way, Joe Saul-Sehy, OG, and Doug connect the dots between mindset, cash flow strategies, and protecting what you've already built in a world full of digital landmines. What You'll Take Away: • Why Whitney's early mistakes became her biggest long term advantages • How to think about building cash flow engines, not just accumulating assets • The difference between owning things and building repeatable income systems • Why passive income still requires intentional structure and where people go wrong • How mentorship accelerates progress and what to look for in the right mentor • Practical ways to get started building wealth systems without massive capital • Why diversification across income streams matters more than most people realize • What unexpected businesses like car washes teach us about operational efficiency • How subscription models and recurring revenue quietly stabilize cash flow • The long game of turning short term decisions into generational wealth • Why protecting your personal data is now part of protecting your net worth • How small habits (financial and otherwise) compound into outsized results This Episode Is For You If: • You want to build wealth that lasts beyond your lifetime • You're curious about creating income systems that don't require your constant attention • You're tired of overnight success stories and want the real trajectory • You're looking for principles that work whether you invest in real estate, businesses, or other assets • You believe smart systems and consistent learning can change your family's financial future This episode is for Stackers who want proof that progress doesn't require perfection, and that building the right wealth machine can change the entire trajectory of your financial life and your family's future. FULL SHOW NOTES: https://stackingbenjamins.com/building-generational-wealth-with-whitney-elkins-hutten-1799 Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.stackingbenjamins.com/201 Enjoy! Learn more about your ad choices. Visit podcastchoices.com/adchoices

6 days ago

•

1h 15m
27 JAN

Why You Should “T-Bill and Chill” Instead of Using a Savings Account, with Cullen Roche

#684: Most people search for the perfect portfolio — the one allocation that works in every market, at every age, for every goal. This interview starts by explaining why that portfolio does not exist. We talk with Cullen Roche, founder and chief investment officer of Discipline Funds, about why copying someone else’s portfolio can backfire, and why portfolio design works better when it starts with your own constraints instead of rules of thumb. We walk through real portfolio models. The conversation begins with the classic 60-40 portfolio. You hear where it came from, how it held up during the Great Depression, and why it became so widely adopted. We also talk about its trade-offs — why it feels boring in strong markets and comforting in crashes, and how that emotional balance plays a role in investor behavior. Next, we shift to a Buffett-style portfolio. You hear why the takeaway is less about stock picking and more about structure. The discussion covers why Buffett keeps a small allocation to cash-like assets, how that “dry powder” functions during downturns, and why psychological stability matters as much as returns. The episode then turns to cash management. We talk about high-yield savings accounts, money market funds and Treasury bills. You hear how many cash products are built on T-bills, how banks capture part of the yield, and when managing cash directly may make sense. The concept of “T-bill and chill” comes up — along with when the extra effort may or may not be worth it. Finally, the conversation zooms out to time horizons. We discuss why income from a job functions like a bond allocation, how that changes risk capacity when you are younger, and why the early years of retirement carry the most danger. The episode closes by explaining sequence-of-returns risk and why portfolios need to work not just on paper, but in moments of fear. Resource: Cullin's website and newsletter: https://disciplinefunds.com 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 (02:00) No perfect portfolio (03:34) 60-40 portfolio starts (06:38) 60-40 keeps calm (08:00) Buffett portfolio basics (12:11) Stocks vs cash fear (13:34) T-Bill and Chill (18:22) TreasuryDirect is clunky (23:42) Income as bond proxy (25:33) Bond tent buffer (29:12) Sequence risk explained (31:42) Early retirement mindset (32:36) COVID panic calls (42:49) Three-fund portfolio basics (58:41) Get-rich-quick trap (1:18:21) Risk parity and All-Weather Share this episode with a friend, colleagues, your preferred financial advisor: https://affordanything.com/episode684 Learn more about your ad choices. Visit podcastchoices.com/adchoices

27 Jan

•

1h 24m
24 JAN

Rob O'Neill On The Brent Tucker Lawsuit, Venezuela and Erika Kirk's Suspicious Behavior | Ep. 276 | Pt. 1

Mike Ritland sits down once again with legendary SEAL Team Six operator Rob O'Neill — the man who fired the shots that killed Osama bin Laden. In this raw, no-filter return appearance, they cover everything from the renewed Bin Laden raid controversy and recent defamation lawsuit, to psychedelics for PTSD, family life, geopolitics, Greenland, cannabis ventures, and life after the Teams. Buckle up — it's classic Mike Drop. Learn more about your ad choices. Visit podcastchoices.com/adchoices

24 Jan

•

1h 6m
25 JAN

Rob O'Neill: Addressing the Bissonnette Story | Ep. 276 | Pt 2

Mike Ritland continues the no-holds-barred conversation with Rob O'Neill, the SEAL who killed Osama bin Laden. They dive deep into the Bin Laden raid's raw details—from the piss bottle carry to opium stashes, the burial-at-sea debate, post-raid jealousy in the community, vet-on-vet drama, and why Rob's suing over years of family-targeted defamation. Plus, reflections on Maduro's capture, Delta vs. DEVGRU picks, and the unbreakable brotherhood. Intense, honest, and unfiltered—classic Mike Drop. Learn more about your ad choices. Visit podcastchoices.com/adchoices

25 Jan

•

49 min
23 JAN

How to Afford Life Without Living Like a Monk (SB1794)

Inflation may be doing its best to body slam your budget, but this episode is all about fighting back without turning your life into a sad spreadsheet. Joe Saul-Sehy, Neighbor Doug, Paula Pant (Afford Anything), and Jesse Cramer (Personal Finance for Long Term Investors) are joined by special guest Justin Brown-Woods (Price of Avocado Toast) for a roundtable tackling the big question Stackers keep asking: Why does life feel so expensive even when I'm doing everything right? Instead of the usual "just cut lattes" advice, the crew digs into what's really happening. How to calm chaotic expenses. How to stop getting ambushed by "random" costs that aren't random. How to build a plan that makes your money feel predictable again. The conversation hits the real pressure points: food, housing, subscriptions, and the sneaky spending that doesn't look dangerous until it adds up. If you've ever looked at your bank account and thought "Wait, where did that go?" this episode will help you spot the leaks, tighten the system, and still enjoy your life while you do it. What You'll Learn: • How to stop chaotic expenses from wrecking your month • The difference between fixed and variable spending, and why it matters more than you think • Practical ways to lower food costs without eating sadness for dinner • Why housing is the heavyweight champion of your budget and what to do about it • How subscriptions quietly drain cash even when you barely use them • The best way to cut costs without feeling punished • Why mandatory expenses are often more negotiable than you've been told This Episode Is For You If: • You feel like you're doing everything right but still barely keeping up • Your bank account keeps surprising you with where the money goes • You're tired of frugality advice that makes life feel like punishment • You want to cut costs without giving up everything that makes life worth living • You're ready to calm the chaos and make your spending feel predictable again Questions to Think About: What's one expense that used to feel normal but now feels completely ridiculous? Which category gets you more: food spending, housing, or the sneaky monthly subscriptions? Drop your answers in the comments or the Basement Facebook group because this roundtable's framework for taming chaotic spending might be exactly what you need. FULL SHOW NOTES: https://stackingbenjamins.com/how-to-afford-the-new-normal-1794 Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.StackingBenjamins.com/201 Enjoy! Learn more about your ad choices. Visit podcastchoices.com/adchoices

23 Jan

•

1h 6m
16/12/2025

Mike Glover: Jail, Divorce, Charlie Kirk & Vet-On-Vet Drama | Ep. 270 | Pt 1

Mike Glover is a retired U.S. Army Green Beret and former CIA contractor with nearly two decades of Special Forces experience, including combat deployments and counterterrorism operations. Glover opens up about his harrowing recent journey—from false allegations leading to a week in jail and the loss of his business, to a transformative spiritual awakening through psilocybin and faith. The conversation dives deep into lessons from rock bottom, flaws in the justice system, military reflections, and rebuilding life with resilience and purpose, offering raw insights on survival, fatherhood, and redemption. Learn more about your ad choices. Visit podcastchoices.com/adchoices

16/12/2025

•

1h 39m

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