Cumulus Podcast Network

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Canal • 21 programas

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-6 DIAS

First Friday: The Retirement Rules That Changed While You Weren't Looking

#687: Your tax refund might be $300 to $1,000 bigger this year, and that's just the beginning of what's changing with your money. The Tax Foundation estimates most Americans will see significantly larger refunds thanks to seven major tax cuts. The child tax credit increased by $200. The standard deduction jumped by $750 for individuals or $1,500 for couples. The state and local tax deduction cap now sits at $40,000. Seniors get an extra $6,000 deduction, and deductions for auto loan interest, tips, and overtime work all increased. Retirement accounts saw major changes too. Catch-up contributions for high earners now must go into Roth accounts, which pushed thousands of employers to add Roth options to their 401k plans between 2024 and 2026. Kevin Warsh, the new Fed chair nominee, thinks the Federal Reserve has been doing it all wrong. The former Fed governor and Wall Street banker believes the Fed focuses too much on backward-looking data and reacts too slowly. He wants strategic, forward-thinking policy instead of chasing lagging indicators. President Trump clarified he never asked Warsh to lower interest rates and wanted to "keep it pure." The labor market shows serious cracks. Job openings dropped by nearly one million year over year to 6.5 million. Unemployment claims jumped to 231,000 last week. January layoffs hit 108,435 people — up 118 percent from last year and the worst January since 2009 during the Great Recession. Big Tech continues its massive AI spending spree. Microsoft, Amazon, Google, Meta, and Oracle will collectively spend over $500 billion on AI infrastructure this year. Google's spending alone doubled from 2025, reaching up to $185 billion focused on data centers and Gemini development. Share this episode with a friend, colleagues, and your tax preparer: https://affordanything.com/episode687 Learn more about your ad choices. Visit podcastchoices.com/adchoices

-6 dias

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43 min
-2 DIAS

Q&A: I'm Burned Out But Not Quite Ready to Retire

#688: Anonymous: "Anonymous Sheryl" is 38, mortgage-free and exhausted after 15 years of teaching. She’s torn between pushing a few more years toward FIRE or switching to relief teaching now for better work-life balance. How do you trade speed to FIRE for sustainability without blowing up the plan? Anonymous : "Anonymous Ray" hired a bank portfolio manager but isn’t sure how to judge the results after just a few years. With mixed performance, dividend-heavy funds and higher fees, when is it fair to evaluate a manager — and would a simple index ETF outperform? Nathan: Nathan’s 14-year-old just earned his first W-2 income, and Nathan wants to jump-start his son’s investing journey with a Roth IRA. But with household income above the Roth limits, is there a legal way to make this work without sacrificing the child tax credit? Share this episode with a friend, colleagues, your substitute school teacher: https://affordanything.com/episode688 Learn more about your ad choices. Visit podcastchoices.com/adchoices

-2 dias

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47 min
-6 DIAS

Mike Benz Blows The Doors Epstein Files: Who Was Epstein REALLY Working For? ‘Darker Than the CIA…

The fallout continues in the Jeffrey Epstein saga and Mike Benz joins the show Blackout Coffee: http://www.blackoutcoffee.com/benny and use coupon code BENNY for 20% OFF your first order Advantage Gold: Advantage Gold: TEXT BENNY to 85545 Patriot Mobile: Patriot Mobile: Go to https://www.PatriotMobile.com/Benny and get A FREE MONTH Learn more about your ad choices. Visit podcastchoices.com/adchoices

-6 dias

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1 h 23 min
31/01

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

31/01

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1 h 36 min
07/09/2022

Rogue

Tom Welling and Michael Rosenbaum revisit Episode 9 of Smallville: Rogue! The guys discuss the first break from the ‘Freak of the Week’ concept and get some insights from Al and how this was a defining test that would go on to shape the series. Tom breaks down the two major stunts where Clark stops a bus and dodges a bullet, sharing which one caused him to fall asleep while waiting to shoot. Michael shares fond memories working alongside Kelly Brook on and off set and teases a few upcoming guests in the works. Fun episode with some great scenes with Jonathan, Chloe, and the one and only… Principal Kwan. ❤️ Subscribe and share to support the new pod!⁣ ☎️ Hotline: (213) 538-2883 Learn more about your ad choices. Visit podcastchoices.com/adchoices

07/09/2022

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1 h 1 min
4/02

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

4/02

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1 h 15 min
-3 DIAS

VICTORY: TPUSA Humiliates Bad Bunny and NFL's Super Bowl Halftime Show, Sets RECORD | Ratings Are In

Turning Point’s Super Bowl halftime show humiliated the NFL last night , Ghislaine Maxwell set to be deposed by Congress, Jack Posobiec and Mark Mitchell join the show. Check out our partners: Cowboy Colostrum: Get 25% Off Cowboy Colostrum with code BENNY at https://www.cowboycolostrum.com/BENNY . Bon Charge: Go to https://www.boncharge.com/BENNY and use coupon code BENNY to save 15% MASA CHIPS: Go to http://www.masachips.com/BENNY and use code BENNY for 25% off your first order Blackout Coffee: http://www.blackoutcoffee.com/benny and use coupon code BENNY for 20% OFF your first order Learn more about your ad choices. Visit podcastchoices.com/adchoices

-3 dias

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1 h 29 min
26/01

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

26/01

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47 min
31/08/2022

Jitters with Smallville Creators Al Gough and Miles Millar

Smallville creators Al Gough and Miles Millar join Tom Welling and Michael Rosenbaum as they revisit Jitters, one of the most epic episodes from Season 1 (featuring Candymam himself Tony Todd) sharing the absolute chaos that went on behind the scenes to put this episode together. Al and Miles talk about landing Tony Todd, why going over budget almost cost them their jobs, and the crazy reasons that more than four different directors were involved in its making. We also talk about the wire work in the final collapsing bridge scene, John Glover transitioning from a guest star, and a defense for the Freak of the Week template. ❤️ Subscribe and share to support the new pod!⁣ ☎️ Hotline: (213) 538-2883 Learn more about your ad choices. Visit podcastchoices.com/adchoices

31/08/2022

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1 h
17/08/2022

Hourglass

This week Tom Welling and Michael Rosenbaum revisit Hourglass, an episode full of crazy foreshadowing, scary good guest appearances, and deadly dangerous stunts. Tom fondly remembers acting against the blind Cassandra and learning how to act for the camera in fight sequences. Michael questions Kryptonite bodies of water and talks about the iconic doomsday blood raining down scene. Lots of good behind the scenes (non episode related) stuff this week too! ❤️ Subscribe and share to support the new pod!⁣ ☎️ Hotline: (213) 538-2883 Learn more about your ad choices. Visit podcastchoices.com/adchoices

17/08/2022

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58 min

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