In the spirit of Green Day's 'American Idiot,' this explosive pop punk banger tears into the insanity of modern financial culture and the way we've all been 'hoodwinked' into worshipping at the altar of the almighty market.

From staring at green and red numbers on screens to the panic when 'the bubble just pops,' this high-energy rock anthem captures the maddening frustration of a system where our worth is dictated by market volatility. It's about the realization that we're 'blindly supporting the man' while our joy gets shelled out by raging bulls and economic crashes.

With razor-sharp lyrics that question everything from 401ks to hospital bills that cost as much as cars, this song channels pure anger at a world where hedge funds battle Reddit traders while people can't afford life-saving medication. It's punk rock rebellion against financial bondage disguised as the American Dream.

A driving, politically charged banger that asks the hard questions: Have markets become our new religion? Why do we trust others with our money while feeling 'bad and crummy' despite making more? Raw, unapologetic, and perfectly timed for anyone fed up with the financial circus.

For everyone who's ever wondered 'what the fuck did I miss?' – this one's your battle cry.

No More Bear or Bullshit

In this episode of Workplace Matters we are looking at multiple generations of individuals in the workplace along with strengths and challenges of having different age groups working together. We spoke with Dr. Cal Halvorsen from the Washington University in St. Louis Schools of Social Work and Public Health and Harvard Center for Work, Health, and Well-being Project Lead and Investigator. Dr. Halvorsen’s work has centered around intergenerational initiatives and aging populations.

Guest: Cal Halvorson
Host: Michael Guhin

Ep 29 - Worker Well-Being Between Generations

Pat takes another look at the national debt problem, which has been building up in Washington for decades, as well as revisiting certain financial habits you would be better off breaking, as well as signs you may need a new advisor for the retirement phase of your life.

More Government Debt | Save Your Retirement with Pat Strubbe

Too many retirees carry Wall Street level risk with retirement level income needs. 📉 In this episode of The Lord and Richards Show, CEO Colin Richards and co-host Dylan Schoonover unpack why affluent investors often have far too much downside exposure in the distribution phase and how to realign your portfolio with your true comfort level and long term plan.

We cover:

 • Why many retirees have more risk than their plan can mathematically support
 • How 30+ years of market history and 10,000 portfolio stress tests reveal hidden danger
 • The Lord and Richards “safety percentage” and how to define your personal loss limit
 • Asset allocation vs. asset location and why the purpose of money should dictate where you put it
 • The barbell approach to balance guaranteed income, growth assets, and liquidity
 • How holistic planning ties together risk, income, taxes, health care, and estate planning

🎧 Tune in to learn how to right size your risk, protect what you have built, and design a portfolio that helps you sleep at night and live with confidence in retirement.

Learn more: https://lordandrichards.com/

 Call for your complimentary Retirement Freedom Review: 720-372-0400

Investment Advisory Services offered through Lord and Richards Wealth Management, LLC, a Registered Investment Adviser.

How Much Risk Is Too Much? A Guide to Smarter Investing in Retirement

Chaunsy Weisensel opens the show with a summary of markets in Q3 and the importance of time in the market. Later, he shares insights on behavioral finance and how you can change your mindset. And then Chaunsy closes the show with charitable donation changes in 2026.

The Retirement Clinic-11-1-25 – Time in the Market

Jeff Kowal opens the show by answering common IRA questions clients are asking financial advisors. Later Chaunsy Weisensel joins to discuss the lack of progress workers are making with retirement savings. Then Jeff touches on considerations for aging in place and wraps up the show why you need to look at total planning, not just what you have in stocks.

The Retirement Clinic-11-15-25 – IRA Questions and Distribution Rules

Health care is one of the biggest wild cards in retirement, and long term care costs can quietly threaten everything you have worked for. In this episode of The Lord and Richards Show, CEO Colin Richards and co-host Dylan Schoonover unpack how chronic illness, Medicare and Medicaid rules, and long term care expenses impact your retirement plan and how to use leverage and biblical wisdom to protect both your health and your wealth.

We cover:
• The difference between acute health events and chronic illness in retirement
• How Medicare and Medicaid really work for long term care and why Medicaid often requires spending down assets
• Why nursing home and skilled care costs can quickly reach six figures per year
• How chronic illness riders and Medicaid Asset Protection Trusts can help shield family wealth
• Using “other people’s money” through life insurance and annuity strategies to pay for future care
• When self-funding long term care might be realistic and when leverage makes more sense
• How proactive planning can free up resources for stem cell therapy, PRP, and other health-boosting treatments
• The critical role of powers of attorney, health care directives, and planning ahead so loved ones are not forced into crisis decisions

🎧 Tune in to learn how to align your health care plan with your values, protect your spouse and family, and build a retirement that supports both financial freedom and freedom of health.

Learn more: https://lordandrichards.com/
Call for your complimentary Retirement Freedom Review: 720-372-0400

Investment Advisory Services offered through Lord and Richards Wealth Management, LLC, a Registered Investment Adviser.

How To Protect Your Retirement From Health Care Costs

Lyrics by Pascale Gouverneur - Music by François Dufays

BON VOYAGE !
(The Rime of the Retiree)

Shall I tell you a little story
The story of those
Those who won’t leave
For the shorter road ahead

But a promise of loadings and boardings
And the horn that hoots
The flag that flaps
The waving from deck

This is unchartered waters
The undulation of surprise
The dolphin of dolphins
Jumping alongside

Bon voyage ! Bon voyage !

And the islands and the sand
The pink whisper of sinking land
And the clamor of green
Above the rufous-bellied kookaburra

Welcome drifts dives and sand dollars
The velvet curve of mabolo wonders
The clean scent of salty weed
Floating among the sundial shells

And when the curve bends
When the winds spray foam and sparkle
When the clouds storm strong
In stubborn darting flame

Bon voyage ! Bon voyage !

Relish ! More meanderings and moorings
More silky fruit and roasted pepper jam
Is there an end to wonder and tale
Is there a line beyond the horizon

C’est le repos dans le tumulte et la rage
Un lieu tendre et doux à la fois 
Un refuge sur les rives de la sagesse
Où la tête et le cœur exultent

It’s the kingdom of those who live
Navigating the stars

Bon Voyage ! (The Rime of the Retiree)

On this edition of the Wealth Guardians Radio Show, Garrett Ray and Brice Payne discuss how fuzzy math could be sabotaging your financial future.

November 29, 2025 - Is Fuzzy Math Sabotaging Your Financial Future?

Can People Rely On Social Security?

Patrick A. Strubbe, ChFC, CLU, RFC is the founder and managing partner of Preservation Specialists, LLC. He has been helping clients with their financial futures since 1997. Pat has been featured as a retirement expert in USA Today, Investors Business Daily, Fortune.com, and Entrepreneur.com, and on WIS-NBC TV News with Dawndy Mercer Plank.

Pat is also the author of the Amazon.com best-selling books, “Save Your Retirement!” and "The Retirement Secret," Pat’s down-to-earth humor and expertise shine through his Super Retirement Planner’s character. His books help many people understand the serious challenges faced by those nearing or in their retirement years.


To learn more about us, visit us at scpreservation.com

Lord and Richards is a firm dedicated to helping people become more financially independent and better able to cope with the changing world around them from a biblical point of view.

The Healthier Workforce Center of the Midwest (HWC) proudly presents Workplace Matters, a mini podcast series focusing on healthy work design. Here, we’ll tackle a broad range of cost-effective approaches to impact the wellbeing of today’s workforce. This series is a companion to our ongoing Total Worker Health video series, located at HealthierWorkforceCenter.org

The Wealth Guardians Radio Show focuses on all things retirement planning and is hosted by Doug Ray, Brice Payne, and Garrett Ray. The show airs each Saturday morning at 9:30 on Greensboro, NC’s 94.5 WPTI FM and Winston Salem, NC's 96.7 WTOB FM/1470 AM.

Disclaimer: “Investment Advisory Services offered through Alphastar Capital Management, LLC a SEC registered Investment Advisor. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser has attained a particular level of skill or ability. Alphastar Capital Management, LLC and Wealth Guardians are independent entities. The firm only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements. Insurance products and services offered through individually licensed and appointed agent in various jurisdictions.”

It all started with a dog named Eddie — a scruffy little guy kids swore looked like a real-life teddy bear. When he passed in 2020, I brought his spirit back as a 3D bear: playful, honest, and the other half of me.

In A Teddy Named Eddie, we tell true stories from my life through pop punk riffs, alt rock hooks, and early 2000s nostalgia. Sometimes I’m in his world; sometimes he’s in mine. Always cinematic, always full of heart, and always a little magical.

With retirement just around the corner, you need a partner you can trust to help navigate the ins and outs of retirement planning.  Whether you’re looking for a final push heading into your retirement, retirement asset management and consolidation, or assistance in transferring business assets to retirement assets, our team’s focus is on helping you realize your vision.

You can listen to the Kowal Investment Group - now Creative Planning, "Retirement Clinic" podcasts, with retirement and investment planning tips and news right here on Soundcloud. **This is a previously recorded show.**

New tracks tagged #retirement