The Australian dollar jumped back above 70 US cents after the Reserve Bank increased the cash rate, a decision that also broke a four-day losing streak for the ASX. #abcbusiness
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𝗗𝗶𝘀𝗰𝗹𝗮𝗶𝗺𝗲𝗿:
DustyBC Crypto News is a social podcast for entertainment purposes only!
All opinions expressed by the hosts, guests and callers should not be construed as financial advice! Views expressed by guests and hosts do not reflect the views of the station. Listeners are encouraged to do their own research.

Some different interesting coins: BTC, ETH, ADA, SOL, DOT, AVAX, EGLD, MINA, SUPER, XRP, XCAD, RUNE, LINK, INJ, SFUND, XDC, MATIC, IMX, LINK, BNB, MANA, SAND, COQ, DOGE, SHIB, BONK, SOLANA AIRDROPS, TOP 3 CRYPTO, TOP crypto coins for the next bull run, top crypto coins I would buy, top 5 crypto list, top altcoins for the crypto bull run, top altcoins I’m bullish on, altcoins with most gains, which altcoin to buy right now. Top altcoins to buy right now!

Some of these links are affiliate links which may earn me some money, I don’t think any of these links are harmful, but I’m not liable if they are, views and statements on the websites I link may not be may own. All I’m saying is for entertainment or educational purposes only. Do not trade on any exchange that prohibits trading from your geographical region
#XRP #Bitcoin #Crypto

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Start Investing in Crypto using CoinSwitch now: https://app.adjust.com/1j63fq42

Disclaimer : Crypto products and NFTs are unregulated and can be highly risky, with no regulatory recourse for any losses from such transactions. The cryptos mentioned in the video are for illustrative purposes only and should not be considered as recommendations.

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🎓 Join 100x Club ► https://whop.com/millionaire-formula/100x-formula

Welcome to Millionaire Formula — The Future of Wealth

This channel is dedicated to unlocking the power of Ripple’s mission and XRP’s real-world utility — from revolutionizing global payments to driving mass blockchain adoption. We dive deep into how XRP is transforming modern finance and how you can position yourself for the next wave of generational wealth.

Subscribe to learn about:

The latest Ripple & XRP news and breakthroughs

The vision and strategy behind XRP’s role in the global financial system

The rise of stablecoins, CBDCs, and real-world blockchain adoption

Millionaire mindset lessons and motivational content for investors

Smart strategies to build wealth in the new digital economy

If you’re an XRP holder, crypto believer, or someone who’s ready to master the Millionaire Formula, this channel is your gateway to financial evolution.

Disclaimer:
This content is for informational and entertainment purposes only and is not financial advice. This Channel is not a financial/investment and are not financial advisors, brokers, or dealers. They are solely sharing their personal experience and opinions; therefore, all strategies, tips, suggestions, and recommendations shared are solely for entertainment purposes. Always consult a licensed financial advisor before making investment decisions. This Channel and its contents are not responsible for any financial losses. Investments carry risk and may lose value. Proceed with caution. Do your own due diligence and research.

Like, share, and subscribe to join the movement — your path to financial freedom

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Bitcoin is the ultimate long-term investment. At $100K, no one who’s held Bitcoin for four years or longer has ever lost money. Michael Saylor explores why Bitcoin rewards patience, turning a 10-year strategy into genius-level gains. Learn why shorting Bitcoin is a losing game and why time is your greatest ally. Subscribe for high-signal Bitcoin insights and strategies.

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Most retirees don’t realize that retirement taxes don’t behave like working-year taxes. In this video, we break down the five retirement tax groups that determine whether you face higher RMDs, Social Security taxation, Medicare IRMAA penalties, and the dreaded tax torpedo—or whether you avoid them entirely.

You’ll learn how Roth conversions, withdrawal sequencing, and Social Security timing can dramatically reduce lifetime taxes, lower Medicare premiums, and extend the life of your portfolio. We walk through real examples, including how different income levels, traditional IRA balances, and spending needs create completely different marginal tax rate structures in retirement.

Whether you’re a pre-retiree building your 401(k), a new retiree navigating gap years, or a high saver facing large future RMDs, this framework shows you how to build a smarter, more tax-efficient retirement plan.
If you want to understand how to avoid IRMAA cliffs, reduce the taxation of Social Security benefits, manage RMDs strategically, and protect your surviving spouse from higher single-filer tax brackets, this video gives you a complete roadmap.

This is the guide every retiree and high saver needs to reduce taxes and keep more of their money in retirement.

Sources:

Journal of Financial Planning: July 2022: Tax-Efficient Withdrawal Strategies for Five Groups: https://www.financialplanningassociation.org/learning/publications/tax-efficient-withdrawal-strategies-five-groups-OPEN

IRMAA Tables: https://solidhealthinsurance.com/understanding-irmaa-what-you-need-to-know-for-2026/

00:00 Intro: The Five Retirement Tax Groups Most People Fall Into
01:39 Why These Five Retirement Groups Exist — The Big Picture Truth
02:18 The Social Security Tax Torpedo Explained: Marginal vs Total Taxation
04:11 Medicare IRMAA Income Cliffs in Retirement
05:38 What Do the Five Retirement Tax Groups Do Differently?
06:31 Group 1: Moderately Wealthy Retirees (The Largest Retirement Group)
07:52 Core Retirement Strategy for Group 1
07:52 Step 1: When Delaying Social Security to Age 70 Actually Makes Sense
09:12 Step 2: Using Gap Years for Roth Conversions (How to Calibrate Them)
11:04 Step 3: How to Blend Withdrawals After Social Security Starts
12:58 Example: Tom’s Retirement Tax Strategy
15:25 Group 2: Retirees Who Claimed Social Security Too Early
17:56 Example: Sarah’s Retirement Income Trade-Offs
20:07 Group 3: Retirees Whose Income Sits Above the Tax Torpedo
20:56 Strategy 1: Why Roth Conversions Still Make Sense at Higher Tax Rates
21:52 Strategy 2: How to Smooth Your Retirement Income Path
22:11 Strategy 3: Using Withdrawals More Evenly Over Time
23:16 Example: Betty’s Retirement Tax Planning Strategy
25:51 Group 4: Married Couples Where One Spouse Is Likely to Outlive the Other
26:38 Strategy: Roth Conversions While Both Spouses Are Alive
28:04 Example: Married Couple Retirement Planning Case Study
30:06 Group 5: Pre-Retirees Still Working and Saving
31:21 Core Strategy for Pre-Retirees
31:21 Step 1: Building Roth Assets Early
32:06 Step 2: Using Low-Income Years Wisely
33:11 Example: Mark & Elaine’s Pre-Retirement Plan
34:19 Strategy 1: Shifting New Contributions to a Roth 401(k)
34:48 Strategy 2: Planning Roth Conversions Before Age 70
35:09 Strategy 3: Reducing Future RMDs by Hundreds of Thousands
35:43 Closing: Choosing the Right Retirement Tax Strategy
37:06 Bloopers

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Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research.

Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney

Thanks for watching, I appreciate you!

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MONEY NEWS
DE SEGUNDA A SEXTA | DAS 11H ÀS 17H

O Money News acompanha os principais assuntos econômicos do dia e a reação do mercado financeiro em tempo real. No centro do poder, repórteres em Brasília acompanham o dia e os bastidores no Banco Central, Ministério da Fazenda, Congresso e Executivo.

Em São Paulo, Rio, Nova York, Londres e Paris, as notícias mais importantes do mundo dos negócios e de todo o setor privado. Especialistas e executivos analisam o cenário econômico e de negócios.

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