Redefine Your New Normal (Hour 2)
41 min

Career, Business, Relationships, Debt

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The Dr. John Delony Show
The Dr. John Delony Show
Ramsey Network
Coping With a Suicide Attempt, Broken Relationships, & Growing Up at 27
The Dr. John Delony Show is a caller-driven show that gives you real talk on life, relationships and mental health challenges. Through humor, grace and grit, John gives you the tools you need to cut through the chaos of anxiety, depression and disconnection. You can own your present and change your future—and it starts now. So send us your questions at johndelony.com/show or leave a voicemail at 844-693-3291. We want to talk to YOU! Show Notes for this Episode * 3:52: How do I handle a broken relationship with my mother? * 16:52: How do I overcome anxiety moving out of my parents house at 27 to take a new job? * 28:17: My husband tried to kill himself in September; how do I balance my anger with being supportive? * Why People Die By Suicide by Dr. Thomas Joiner, * 47:26: Lyrics of the Day: "A Head Full of Doubt and a Road Full of Promise" - The Avett Brothers tags: divorce, infidelity, parenting, family, disagreement/conflict, anxiety, responsibility, suicide/self-harm, marriage These platforms contain content, including information provided by guests, that is intended for informational and entertainment purposes only. The content is not intended to replace or substitute for any professional medical, counseling, therapeutic, financial, legal, or other advice. The Lampo Group, LLC d/b/a Ramsey Solutions as well as its affiliates and subsidiaries (including their respective employees, agents and representatives) make no representations or warranties concerning the content and expressly disclaim any and all liability concerning the content including any treatment or action taken by any person following the information offered or provided within or through this show. If you have specific concerns or a situation in which you require professional advice, you should consult with an appropriately trained and qualified professional expert and specialist. If you are having a health or mental health emergency, please call 9-1-1 immediately.
49 min
Money! with Stacy Johnson
Money! with Stacy Johnson
MoneyTalksNews.com
How One Hour Today Could Be Worth $1,000 Next Year (Year-End Planning)
Can you really invest an hour today and find yourself $1,000 richer next year? Absolutely. Take taxes, for instance. Much of what you can do to lower your tax bill has to be done before December 31. There are exceptions: For example, you can fund an IRA up until the day you file your taxes. But when it comes to things like batching or prepaying deductible expenses and using up your flexible spending account, once the year is over, so is your opportunity to lower your tax bill. In this week's "Money" podcast ( https://www.moneytalksnews.com/podcasts/ ) , we're going to talk about a few things you should do before the year is out that can make next year less taxing, as well as other end-of-year planning tips and organizational tricks. Links: * 5 Year-End Moves to Make Now and Save Big at Tax Time ( https://www.moneytalksnews.com/30-minutes-now-can-save-you-1000-tax-time/ ) * 10 Ways Your Taxes Will Change in 2021 ( https://www.moneytalksnews.com/how-your-taxes-will-change-in-2021/ ) * 10 Smart Year-End Money Moves You Can Make During Commercial Breaks ( https://www.moneytalksnews.com/make-these-10-money-moves-before-the-year-ends/?all= ) Hosts: * MoneyTalksNews ( https://www.moneytalksnews.com/ ) * MirandaMarquit.com ( https://mirandamarquit.com/ ) Ask us a question ( https://www.moneytalksnews.com/contact/ ) ------------------------------------------------------------- Hey Money! listeners if you have a question, topic or life lesson you want to share with everyone, leave us a voice message by calling 1-833-669-8557 then press 0 to leave a message. We'd love to hear from you. Support this podcast at — https://redcircle.com/money/donations Advertising Inquiries: https://redcircle.com/brands
26 min
Retirement Answer Man
Retirement Answer Man
Roger Whitney, CFP®, CIMA®, RMA, CPWA®, AIF®
What Are the Chances We Have a Market Crash, and How Do I Protect Myself?
This is a time of year when many people give thanks for what they have. On this episode of Retirement Answer Man, I explore the definition of thankfulness and gratitude with our Rock Retirement Club retirement coach, BW. He even brings us 5 tips that can help us to cultivate gratitude on a regular basis. Tanya Nichols joins me again to help answer listener questions. You’ll learn what you can do if you are worried about a market crash, what to do if you think you are too old for long-term care insurance, and we’ll discuss Roth conversions from a 403B. Press play now to join me to hear the answers to listener questions and more. What are you thankful for? The definitions of thankfulness and gratitude are very similar. Thankfulness is the consciousness of benefit received from others. Gratitude is a thankful appreciation for what an individual receives both tangible and intangible. One way to combat worry is to create a habit of thankfulness. I have done this personally and it has changed my life. Practicing gratitude contributes to greater happiness and it allows us to focus on what we have rather than what we lack. Listen in to hear what I am grateful for this year. 5 tips to help cultivate gratitude on a regular basis Cultivating a gratitude practice can seem like a good idea but it often falls by the wayside after a few days or weeks. The beauty of practicing gratitude is that it shifts your mindset. You can use these 5 tips to help you become more thankful by creating your own practice of gratitude each day. * Write and send a thank you note to someone who has had an impact on your life each month. * Get in the habit of saying thank you to at least one person each day. * Keep a gratitude journal. You get bonus points if you try and come up with different things to be thankful for each day. * Pray. If you are religious, praying can help you cultivate gratitude. * Meditate. Instead of focusing on your inner self, try focusing on gratitude in the moment. Does sequence of return risk keep you up at night? The world around us seems so unstable right now. Many people worry that we could be at the start of the next big crash. What if we are at the beginning of several years of zero returns? Sequence of return risk is one of the biggest worries of those on the cusp of retirement. Although people worry about sequence of return risk, if you look back at history and study bear markets, youĺl see that even within those years there were good years and bad years. It’s also good to remember that your portfolio won’t directly reflect the S&P 500, we simply use it as a planning tool. How to balance market risk against inflation risk Why do we take market risk when we are worried about sequence of returns? Inflation! Inflation risk is just as big, but it creeps up slowly over time. You have to balance the risk of inflation with market risk. You can take market risk. You just have to know how much you are comfortable with. The first thing you need to do is understand the minimum effective dose of investment risk you need in order to create the life you want. Next, you’ll want to time segment your money by building your cash flow model early in retirement. Plan for statistically probable outcomes and then test for outliers. Listen in to hear the details of how you can protect yourself from both inflation risk and market risk. OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN WHAT DOES THAT MEAN? * [1:30] What is thankful? PRACTICAL PLANNING SEGMENT * [5:02] Is Chris too old for long-term care insurance? * [8:11] A 403B and Roth conversion question * [12:12] A new learning experience as a couple * [14:06] What are the chances that the market crashes? COACHES CORNER WITH BW * [22:09] Practice gratitude to improve your happiness * [26:17] 5 tips to help cultivate gratitude on a regular basis TODAY’S SMART SPRINT SEGMENT * [30:16] Give yourself and everyone around you some grace this Thanksgiving Resources Mentioned In This Episode Align Financial Rock Retirement Club Roger’s YouTube Channel - Roger That BOOK - Rock Retirement by Roger Whitney Work with Roger Roger’s Retirement Learning Center
34 min
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