Episodes

  • Show Title: Economists Created a Model of the US Economy using NASA Computers. The Model Crashed Due to the Federal Debt.

    Show Title: Economists Created a Model of the US Economy using NASA Computers. The Model Crashed Due to the Federal Debt.
    Jul 22 2025
    Some leading economists and mathematicians built a computer model of the US economy to run various scenarios. Because this was such a big math problem, they used thousands of NASA and Amazon computers. The computers were unable to create a working model because of the rising debt. Us Government Debt is currently over $36 Trillion. The increasing interest on the debt is unsustainable. The computers projected interest on the debt would consume one-third of all tax revenues within a decade. In 20 years, interest on the debt was estimated to be about 80% of tax revenue. With the vast majority of revenues consumed by interest payments, there is not enough money remaining to pay for maintaining infrastructure, military, or other government services. Economic chaos is the likely result. Many argue what would happen; Austerity Measures, Depression, Hyperinflation, ect. The reality is there are no good options. The best option is to avoid economic chaos. The good news is the computers estimated we have about 20 years before economic collapse. This gives us some time to fix the problem. But the longer we wait, the more drastic the solution. The solution is obvious: 1. Increase income. 2. Reduce spending. The Trump administration is aggressively taking steps to increase income (GDP) thru increasing tariff income, using tariff policy to reshore manufacturing, and encouraging investment in America. DOGE found billions in waste and fraud. The Big, Beautiful Bill reduces spending about 2%. Deporting illegal aliens will reduce government welfare spending by billions of dollars. Further government reductions of spending are promised in the future. There has been push-back on spending reductions, mostly from the court system. Many of the district court rulings have been overturned by Appellate Courts or the US Supreme Court. It is not predetermined that the US economy crashes due to excessive debt. But major changes in income and spending have to be made. This will be a generational change to the US economy. Regardless of what happens, there will be a significant transition period. The US government's lack of financial responsibility creates an opportunity. This is the "Golden Era" of fixed assets. The best rates in 40+ years! Insured with guarantees.

    - Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years due to higher bond yields.

    - Fixed Index Annuities have the best upside potential in 40+ years with no downside market risk. The principle is guaranteed. Some offer signing bonuses up to 16% with strong upside potential.

    - Guaranteed Lifetime Income is the highest in 40+ years. Some products offer up to 30% signing bonus. Other products offer up to 10% increased guaranteed lifetime income each year you defer.

    See omnystudio.com/listener for privacy information.
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    52 mins
  • The Big, Beautiful Bill has Passed. What is in it? How Will it Affect Your Money?

    The Big, Beautiful Bill has Passed. What is in it? How Will it Affect Your Money?
    Jul 15 2025
    There is a lot of confusing info regarding the Big Beautiful Bill. Forget the noise or the politics. What are the facts on some of the key aspects? No Tax on Tips: up to $25,000 of tip income is tax-free plus your standard deduction of $15,750 for singles, $31,500 for married filing jointly. Social Security Tax: Social Security Administration estimates 88% of seniors will no longer pay taxes on Social Security benefits. - $24,000: average Social Security benefit - $15,750: standard deduction for singles - $2,000: senior deduction - $6,000: new senior bonus (Big Beautiful Bill) - $23,750: Total deductions Taxable Social Security = Zero for average senior Requires citizenship for Medicaid. Health and Human Services estimate 1.5+ million illegal aliens will lose Medicaid benefits despite not being eligible. Currently, 14 states offer government healthcare "regardless of immigration status". Taxpayers pay for this. If you have private health coverage, you pay premiums every month. Many have large deductibles. Most never use it unless absolutely. If a health situation occurs, insurance rarely pays for everything. You could get stuck with huge medical debt. Illegals have received free healthcare. Government is supposed to benefit citizens. Our government is supposed to promote and protect the principles of the Declaration of Independence: "We hold these truths to be self-evident, that all men are created equal, that they are endowed by their Creator with certain unalienable Rights, that among those are Life, Liberty, and the pursuit of Happiness. --That to secure these rights, Governments are instituted among Men." The US is the only country in the world that pays for the medical expenses of people who don't belong here, yet expects our citizens to not only pay our own medical bills but also the medical expenses of illegals. I don't think we should have to work hard to pay for benefits for illegals. Us Government Debt is over $37 Trillion. The US government's lack of financial responsibility creates an opportunity. This is the "Golden Era" of fixed assets. The best rates in 40+ years! Insured with guarantees.

    - Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years due to higher bond yields.

    - Fixed Index Annuities have the best upside potential in 40+ years with no downside market risk. The principle is guaranteed. Some offer signing bonuses up to 16% with strong upside potential.

    - Guaranteed Lifetime Income is the highest in 40+ years. Some products offer up to 30% signing bonus. Other products offer up to 10% increased guaranteed lifetime income each year you defer.

    See omnystudio.com/listener for privacy information.
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    48 mins
  • Brigham Blackham Interview, host of the Levelin' Up Podcast

    Brigham Blackham Interview, host of the Levelin' Up Podcast
    Jul 8 2025
    Brigham Blackham empowers top leaders through the art of storytelling. With a background in teaching Mandarin and theater, he combines his expertise in communication and leadership to help entrepreneurs elevate their stories and drive impact through personal & professional development. As host of the Levelin' Up Podcast, Brigham focuses on building relationships that foster collaborative capitalism—unlocking growth through meaningful connections and shared success. He is a master connector to help you identify the ideal resources to take your life & business to the next level. Us Government Debt is over $37 Trillion. The US government's lack of financial responsibility creates an opportunity. This is the "Golden Era" of fixed assets. The best rates in 40+ years! Insured with guarantees.

    - Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years due to higher bond yields.

    - Fixed Index Annuities have the best upside potential in 40+ years with no downside market risk. The principle is guaranteed. Some offer signing bonuses up to 16% with strong upside potential.

    - Guaranteed Lifetime Income is the highest in 40+ years. Some products offer up to 30% signing bonus. Other products offer up to 10% increased guaranteed lifetime income each year you defer.

    See omnystudio.com/listener for privacy information.
    Show More Show Less
    55 mins
  • If Houses are not Selling, Why are not Prices Dropping?

    If Houses are not Selling, Why are not Prices Dropping?
    Jul 1 2025
    Many people are confused. If houses are not selling, why are not prices not falling? There are several reasons. Cause: Housing prices increased an average of 50% from 2019 -2024 in the US. Some areas increased up to 100%. Strong purchasing demand plus limited inventory was the primary reason for prices increasing. Housing affordability is at historical lows due to significantly higher mortgage interest rates and higher purchase prices. This has destroyed buying demand. The average American household can no longer afford to purchase the average home in America. Effect: Some homeowners are still hoping to cash in on the pandemic housing boom. Low mortgages have a "lock-in effect". Many are reluctant to sell their current home and replace with a much higher interest rate. Others are not delusional, they cannot afford to move. Projection: There is hope on the horizon. Housing inventory has increased to pre-COVID levels in many markets, particularly in the South and West. Homebuilders are offering record levels of incentives for new homebuyers. Rental rates have declined for 21 consecutive months. Investors are selling at record levels due to the declining rental income. Job changes or life events are forcing some to move. As time passes, the low interest rate mortgage "lock-in effect" is receding. These are factors that will contribute to declining housing prices. Us Government Debt is over $37 Trillion. The US government's lack of financial responsibility creates an opportunity. This is the "Golden Era" of fixed assets. The best rates in 40+ years! Insured with guarantees.

    - Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years due to higher bond yields.

    - Fixed Index Annuities have the best upside potential in 40+ years with no downside market risk. The principle is guaranteed. Some offer signing bonuses up to 16% with strong upside potential.

    - Guaranteed Lifetime Income is the highest in 40+ years. Some products offer up to 30% signing bonus. Other products offer up to 10% increased guaranteed lifetime income each year you defer.

    See omnystudio.com/listener for privacy information.
    Show More Show Less
    49 mins
  • How High can US Debt go before it Triggers a Financial Crisis?

    How High can US Debt go before it Triggers a Financial Crisis?
    Jun 24 2025
    Excessive government debt has contributed to inflation and is pushing interest rates higher. The government continues to add to the debt by spending more than it receives. The US government receives about $5T in revenues annually. They spend about $7T per year. Higher interest rates and increasing debt is increasing interest payments on the debt at unsustainable levels. Many are concerned the debt will lead to a financial crisis. The big question is how high can US debt go before it triggers a financial crisis? Government debt is currently about $37T. This is 121% of Gross Domestic Product (GDP). Interest payments are about $1.1T annually. This is about 22% of annual government revenues. Is the US at crisis levels? No. Not yet, but we are on an unsustainable path. If interest on the debt continues to increase at current levels, interest payments will increase to about 30% of revenues in 5-7 years per Moody's. If you have ever applied for a mortgage, you likely would have been declined if your debt to income ratio was above 30%. This is because lenders understand that if interest payments are too high, you are unable to maintain the payments. The solutions are to increase income, reduce spending, or both. You already know this. You do this with your household budget. The Trump administration is attempting to increase income via tariff income and reshore manufacturing to boost the economy (increase income). The Department of Government Efficiency (DOGE) is attempting to reduce fraud and wasteful spending. Only in Washington is common sense considered radical. The US government's lack of financial responsibility creates an opportunity. This is the "Golden Era" of fixed assets. The best rates in 40+ years! Insured with guarantees.

    - Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years due to higher bond yields.

    - Fixed Index Annuities have the best upside potential in 40+ years with no downside market risk. The principle is guaranteed. Some offer signing bonuses up to 16% with strong upside potential.

    - Guaranteed Lifetime Income is the highest in 40+ years. Some products offer up to 30% signing bonus. Other products offer up to 10% increased guaranteed lifetime income each year you defer.

    See omnystudio.com/listener for privacy information.
    Show More Show Less
    52 mins
  • Stocks have not been this Expensive Relative to Bonds in nearly 25 Years

    Stocks have not been this Expensive Relative to Bonds in nearly 25 Years
    Jun 17 2025

    Pimco released a report recently and stated stocks haven’t looked this expensive relative to bonds in nearly 25 years.

    Bonds look better than they have for a long time.

    Pimco states "The traditional world order — in which economics shaped politics — has been turned on its head,” according to a new five-year Pimco outlook co-written by Richard Clarida, now a global economic adviser at Pimco and formerly a Federal Reserve vice chair from 2018 to 2022.

    “Politics is now driving economics, especially in the U.S. and increasingly in how other countries respond.”

    Pimco recommends investors should start taking advantage of the highest returns in decades offered by fixed assets rather than chasing stocks at elevated valuations.

    I have recognized politics and government policies significantly affect our economy and our money for several years. This is why I share this info on my radio show.

    This is the "Golden Era" of fixed assets. The best rates in 40+ years! Insured with guarantees.

    - Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years due to higher bond yields.

    - Fixed Index Annuities have the best upside potential in 40+ years with no downside market risk. The principle is guaranteed. Some offer signing bonuses up to 16% with strong upside potential.

    - Guaranteed Lifetime Income is the highest in 40+ years. Some products offer up to 30% signing bonus. Other products offer up to 10% increased guaranteed lifetime income each year you defer.

    See omnystudio.com/listener for privacy information.
    Show More Show Less
    50 mins
  • Why are President Trump and Elon Musk Bickering Over the "Big Beautiful Bill"

    Why are President Trump and Elon Musk Bickering Over the "Big Beautiful Bill"
    Jun 10 2025
    Although I do not like Trump and Elon attacking each other, the conversation is very valuable and could lead to good results. Elon is bringing attention to the fact our government is taxing us too much and spending much of it on waste and fraud. The spending cuts are pathetic. The $1.5T in spending cuts is over 10 years. $150 billion per year in spending cuts is only about 2% of the approximately $7T annual spending. Our government increased spending 50% from pre-COVID levels. Our population increased 2% in the past 4 years. We need to push our representatives to do better. I don't believe it is too late to fix this. But this level of spending is unsustainable. The interest on the debt is currently about 25% of total government revenues and is rising rapidly. If you apply for a mortgage, you won't qualify if your debt to income ratio is above 30%. The interest on the debt is projected to increase to about 30% of government revenues in 5-7 years. The Trump administration is relying on future growth to fix the problem. Future growth is likely but not guaranteed. Spending cuts would definitely fix the problem. They would also help improve future growth. You already know this. If you have too much debt, you reduce expenses. If you can increase income, even better. Washington is the only place where common sense is considered radical.

    This is the "Golden Era" of fixed assets. The best rates in 40+ years! Insured with guarantees.

    - Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years due to higher bond yields.

    - Fixed Index Annuities have the best upside potential in 40+ years with no downside market risk. The principle is guaranteed. Some offer signing bonuses up to 16% with strong upside potential.

    - Guaranteed Lifetime Income is the highest in 40+ years. Some products offer up to 30% signing bonus. Other products offer up to 10% increased guaranteed lifetime income each year you defer. Although I do not like Trump and Elon attacking each other, the conversation is very valuable and could lead to good results. Elon is bringing attention to the fact our government is taxing us too much and spending much of it on waste and fraud. The spending cuts are pathetic. The $1.5T in spending cuts is over 10 years. $150 billion per year in spending cuts is only about 2% of the approximately $7T annual spending. Our government increased spending 50% from pre-COVID levels. Our population increased 2% in the past 4 years. We need to push our representatives to do better. I don't believe it is too late to fix this. But this level of spending is unsustainable. The interest on the debt is currently about 25% of total government revenues and is rising rapidly. If you apply for a mortgage, you won't qualify if your debt to income ratio is above 30%. The interest on the debt is projected to increase to about 30% of government revenues in 5-7 years. The Trump administration is relying on future growth to fix the problem. Future growth is likely but not guaranteed. Spending cuts would definitely fix the problem. They would also help improve future growth. You already know this. If you have too much debt, you reduce expenses. If you can increase income, even better. Washington is the only place where common sense is considered radical.

    See omnystudio.com/listener for privacy information.
    Show More Show Less
    50 mins
  • The Inventor of the 4% Withdrawal Rule has Updated His Recommendation. It is Significantly Less than Guaranteed Lifetime Income Benefits.

    The Inventor of the 4% Withdrawal Rule has Updated His Recommendation. It is Significantly Less than Guaranteed Lifetime Income Benefits.
    Jun 3 2025
    Bill Bengan published a study in the Journal of Financial Planning in 1994 that introduced the 4% withdrawal rule. His study recommended initially withdrawing 4% from your portfolio to ensure you will not run out of money in retirement. The financial industry ran with this recommendation ever since. JP Morgan projects the following on a typical portfolio: Withdrawal Rate Likelihood of not running out of Money 3% 95 - 100% 4% 85 - 90% 5% 65 - 70% 6% 40 - 45% If you increase your withdrawal rate, your likelihood of success decreases significantly. Current Guaranteed Lifetime Income withdrawal rates: - Age 65: 7.5% guaranteed for life - Age 75: 8.5% guaranteed for life - Rates increase if you are older You can increase your income significantly with 100% likelihood of success. You cannot outlive your income.

    This is the "Golden Era" of fixed assets. The best rates in 40+ years! Insured with guarantees.

    - Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years due to higher bond yields.

    - Fixed Index Annuities have the best upside potential in 40+ years with no downside market risk. The principle is guaranteed. Some offer signing bonuses up to 16% with strong upside potential.

    - Guaranteed Lifetime Income is the highest in 40+ years. Some products offer up to 30% signing bonus. Other products offer up to 10% increased guaranteed lifetime income each year you defer.

    See omnystudio.com/listener for privacy information.
    Show More Show Less
    53 mins