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What Should I Do With My Money?

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What Does it Take to Retire Before 40? 31:36

منذ 16 يومًا31:36

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قوائم

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احب

31:36

Camilla, a teacher in her late thirties, is ready to pull back from full-time work and travel the world. Despite paying off significant student debt by teaching overseas, she has deep-seated money anxiety stemming from a difficult childhood and fears running out of funds. With $800,000 saved, Camila’s wondering how to withdraw her retirement savings in a tax-efficient way while ensuring her portfolio’s continued growth. In this episode, Camilla sits down with Crystal, a Morgan Stanley Financial Advisor, and discusses her options, including tax-loss harvesting to offset capital gains taxes, Roth IRA conversions and a high-yield emergency savings fund . For more information about this episode and the topics covered, check out our episode page and explore how you can connect with a Morgan Stanley Financial Advisor . Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences, or review our “Understanding Your Brokerage and Investment Advisory Relationships” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf. When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters. Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates. Not all products and services discussed are available at Morgan Stanley. Morgan Stanley Smith Barney LLC, its affiliates, Wealth Management Head of Health and Wellness Education, Financial Advisors or Private Wealth Advisors (collectively, “MSSB”) at times may discuss strategies for navigating healthcare issues. In doing so, MSSB may rely on and provide you with health and medical news or information. MSSB makes no representation as to the accuracy of this information. MSSB is not providing medical advice to you in this regard. You are encouraged to consult with your health and medical professionals for any matters involving your personal health care issues or other medical matters. Nothing herein shall be construed as investment advice of any kind or a recommendation of a specific healthcare company or service provider, as applicable. © 2025 Morgan Stanley Smith Barney LLC. Member SIPC. CRC# 4753386 (08/2025)…

Turn the Page

منزل السلاسل•Feed

More to life than we imagined, Turn the Page

300 حلقات

#Religion #Turn The Page #Christianity

Turn the Page

updated منذ يومين

منزل السلاسل•Feed

More to life than we imagined, Turn the Page

300 حلقات

#Religion #Turn The Page #Christianity

كل الحلقات

1
A new king in town 1:01

منذ يومين1:01

1:01

In the UK the tectonic plates of political life are shifting, and no one quite knows what the landscape will look like when they settle. With resignations and defections, the Prime Minister and Leader of the Opposition must be feeling distinctly nervous as they break for their party’s annual conferences. Two thousand years ago political intrigue was just as rife of course, but rather easier to manage. Caesar was Lord and the way to deal with any opponent was just to kill them before things got too serious. So, when a rag-tag bunch of misfits started upsetting things by declaring that a penniless carpenter-turned preacher called Jesus was the new King in town, brutal oppression was the order of the day. The difficulty was that no matter how many Christians were killed more just seemed to appear. You see this new movement was not based on any political system but on the conviction that Jesus had died and then been raised to life. That was his spectacular power play and no-one, not even Caesar, had an answer for that. In the end even he had to admit that there was another King more powerful than he and bow before him; and, in the end, so must we. The post A new king in town appeared first on Turn the Page .…

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Look up 0:55

منذ 9 أيام0:55

0:55

After 35 years in ordained ministry, I was given a three-month sabbatical and on day one flew to Scotland to stay by the sea. One sunny afternoon, I took a walk down to the port and set off along the harbour wall without a care in the world. The wall was not fenced in on any side and an unwary walker might easily plunge over the edge. But that wasn’t going to be. Or so I thought. Suddenly distracted by my phone I stopped looking where I was going. Only a matter of seconds passed but when I looked up, I was just two steps from plunging off the end of the harbour wall. While I might only have lost my phone and my pride, my heart was pounding at the thought of what might have happened. Perhaps, though, in the moment it was a reminder of what my sabbatical was meant to be. Too often we become so absorbed with the day-to-day that we lose sight of where we are heading. That’s why God gifted us all a sabbath rest once a week. A day to pause and look up to him so that we might avoid ever falling down. The post Look up appeared first on Turn the Page .…

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Now let’s win the peace 1:07

منذ 19 weeks1:07

1:07

On 8 th May 1945 Victory in Europe was declared. In the UK people poured onto the streets, and from the balcony of Buckingham Palace the King and Prime Minister joined in the celebrations of a hard-won victory over tyranny. But Europe was a continent in ruins. Some regions were on the brink of famine and the threat of Communism was marching west. Having won the war now it was time to secure the peace. Likewise, from the cross Jesus declared a final victory over the tyranny of sin and death. But human nature was still in ruins. As St Paul put it people were still ‘filled with wickedness, evil, murder, strife, deceit and malice.’ Jesus may have won the victory. Now it was time to secure the peace and, as St Paul discovered, that peace was found by individuals turning to Jesus. In the years after the Second World War politicians made bold claims to be able to improve the lives of those they served. In 1957 Harold Macmillan declared that Britons ‘have never had it so good’. But all too often circumstances intervened, and their promises turned out to be empty. By contrast the promises of Jesus to build a peaceful future were based on an empty tomb and, therefore, rather more certain! The post Now let’s win the peace appeared first on Turn the Page .…

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Breeding like rabbits 1:12

منذ 20 weeks1:12

1:12

On Christmas Day 1859 Thomas Austin, a British ex-pat, gave Australia a gift they have never forgotten. He was missing his old hunting traditions and so asked his family to send him 24 European rabbits that he could breed for hunting. Sadly, he seems to have forgotten that rabbits breed like…well like rabbits. Genetically disposed to flourish in the Australian climate their population grew rapidly. Seven years after their release 14,000 had been killed on Austin’s estate alone. This plague of rabbits became an ecological and environmental tragedy. Their population today exceeds 150 million and costs the government more than $200 million a year to control. In happier news the first Christmas Day gave the world a better gift that has also never been forgotten. An infant who became a man and gathered around him 12 apostles to add to 12 tribes of Israel – 24 in all. This man died on a cross one Friday but then rose again three days later. The tiny community he had established started to grow exponentially. First hundreds, then quickly thousands, then millions and, over time, billions. His name is Jesus and where his followers have authentically heard his voice and obeyed his teaching the world has been transformed for the better. The post Breeding like rabbits appeared first on Turn the Page .…

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A place for everything 0:55

منذ 21 weeks0:55

0:55

A place for everything and everything in its place. This is the rule by which I try to live my life. It means that I can tell you exactly where things are in my house. This applies to the important stuff like keys, wallet, and passport but also the less important like Sellotape, hole punches, and scissors. So, on the rare occasions when something isn’t where I expect it to be panic sets in. If it’s not where it’s meant to be where on earth is it? This was the case on the first Easter Sunday when the women went to the tomb to anoint Jesus’ body. They had seen where he was buried on Good Friday, and they knew for certain where he would be on Sunday. The place for a dead body is in the grave and dead bodies, as a rule, don’t move. But the tomb was empty. Jesus wasn’t where he was supposed to be, and for a few moments panic set in. But there was a simple reason why he wasn’t in the tomb. As the perfect Son of God death could not hold him. He had walked out of the grave; and when we put our faith and trust in him so can we! The post A place for everything appeared first on Turn the Page .…

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Veronica 1:04

منذ 22 weeks1:04

1:04

Mel Gibson’s film The Passion of the Christ was so powerful that a number of those involved turned to Christ during its filming. One of those was the actress Sabrina Impacciatore who played the part of Veronica, the woman who steps out of the crowd to wipe Jesus’ blood-stained face as he makes his way to the cross. Brought up a Catholic Sabrina had long since stopped practising her faith. Her part required her to look at Jesus, say the words, ‘Lord, permit me’ and then wipe his face and offer him a drink. It is a tender moment in the midst of great brutality. With the jostling crowd it was a difficult scene to capture and required twenty takes to get right. Gradually Sabrina felt that she was no looking into the eyes of an actor but those of Jesus himself and her heart began to soften. She realised that Jesus had suffered because he loved her, and that his words from the cross, ‘Father, forgive them’ included her. Her faith came alive and she returned to following Jesus. As we remember once again the suffering and death of Jesus may our hearts, like Sabrina’s, be softened. He loves us, He died for us and He rose again for us. The post Veronica appeared first on Turn the Page .…

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Let the light shine 1:02

منذ 23 weeks1:02

1:02

Stranded in the Atlantic Ocean RMS Titanic was facing her final few hours. Her hull breached by collision with an iceberg she was shipping more water than she was designed to hold and going down by the bow. On board chaos and confusion reigned with some saying everything would be OK with this unsinkable ship, while others scrambled to find room in the lifeboats of which there were not enough. All of this could have been going on in complete darkness if the engineers in the boiler room had abandoned their posts. But they didn’t and their selfless heroism meant the lights were still on even as the ship began her final plummet to the seabed. Their actions no doubt saved many lives. We all need a light to shine to spare us from the dangers inherent in the darkness with which we are so often surrounded in this life. Wonderfully such a light exists. The prophet Isaiah declared ‘The people walking in darkness have seen a great light’, and hundreds of years later Jesus appeared and announced, ‘I am the light of the world’. Hold on to him and no matter what your circumstances, you won’t be struggling in the dark. The post Let the light shine appeared first on Turn the Page .…

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April fool? 1:05

منذ 24 weeks1:05

1:05

On 1 st April 1957 the BBC scheduled an edition of its iconic Panorama programme. The subject was the harvesting of the Swiss spaghetti crop. It was narrated by perhaps the most famous broadcaster of the day Richard Dimbleby. While his serious tones described the process of picking and drying the spaghetti, the film showed a Swiss family bringing in the harvest and then celebrating the crop with a traditional meal. We may laugh now, but at the time many viewers were fooled. Spaghetti was uncommon in the UK at the time and both Panorama and Richard Dimbleby were trustworthy voices of respectability. It just goes to show that no matter how trusted the source we really do need to be sure that what we are being told is true. It’s for exactly that reason that Luke wrote his history of the life of Jesus. He wrote the book for Theophilus and explains that it is based on eye-witness accounts. He says, ‘I myself have carefully investigated everything from the beginning… so that you may know the certainty of the things you have been taught’. This is good news. It means we can laugh at talk of a spaghetti harvest but have confidence in the claims of Jesus! The post April fool? appeared first on Turn the Page .…

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Please look after this bear 1:00

منذ 25 weeks1:00

1:00

Two men have been fined and ordered to do unpaid work after vandalising a statue of Paddington Bear. Pronouncing sentence, the judge told them that they were the antithesis of everything the bear stood for – kindness, tolerance and acceptance. While the label on Paddington’s coat reads ‘please look after this bear’, the behaviour of the men in question had demonstrated the very opposite. The two are now said to be extremely ashamed. This time it was the statue of a bear, but all too often we show unkindness to our fellow human beings with far worse consequences. It was Cain in the Old Testament, who, when challenged about the murder of his brother Abel, said ‘Am I my brother’s keeper?’ The answer should have been yes, and the fact that it wasn’t demonstrated how far he was failing to reflect the image of God in which he had been made. Surprising as it may seem being kind doesn’t come as naturally as we might think. More often than not we are governed by our own self-interest. Paddington’s character shows us the way, but we need more than a good example to follow. We need power to change and only Jesus can give us that. The post Please look after this bear appeared first on Turn the Page .…

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Flushed away 1:00

منذ 26 weeks1:00

1:00

In 2019 Edward Spencer-Churchill reviewed the security arrangements for a solid gold toilet at Blenhiem Palace. It was part of an art installation. He announced that it would not be ‘the easiest thing to nick’. Sadly, he was wrong as thieves broke in and made off with it during a raid lasting less than five minutes. Fast forward nearly six years and the thieves have this week been convicted of burglary. Toilets and thieves once combined in some important teaching Jesus gave to his friends. Obsessed at the time with not eating impure foods he pointed out that it’s not what we eat that makes us unclean. While food passes through our digestive system and is flushed away it’s what comes from our hearts – evil thoughts, theft, murder, greed, deceit and the like – that really pollute. And like the thieves who stole the toilet one day we will have to give an account of ourselves. The good news is that Jesus not only pointed out the problem but also provided the answer. He took to the cross all of our sin and wrongdoing and, as the perfect Son of God, paid the price that should have been ours. It’s like they were just flushed away. The post Flushed away appeared first on Turn the Page .…

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Stop the crowd 1:01

منذ 27 weeks1:01

1:01

In a recent interview Lady Gaga admitted that for many years her biggest fear was of being alone. In 2017 she confessed ‘I go from everyone touching me all day and talking at me all day to total silence.’ She said, ‘I think my biggest fear was doing life on my own’. She’s now happily […] The post Stop the crowd appeared first on Turn the Page .…

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Hardest geezer 1:05

منذ 32 weeks1:05

1:05

‘It’s going to be a spicy one’. So said Russ Cook, otherwise known as the Hardest Geezer, as he announced his latest challenge – to run the length of New Zealand. He earned his nickname after running the length of Africa in just 352 days – a gruelling journey through sixteen countries over mountains and […] The post Hardest geezer appeared first on Turn the Page .…

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Call me 1:06

منذ 33 weeks1:06

1:06

When 18-year-old Donovan Shears sent a text message to a number he had just made up he wasn’t expecting a reply. It was 1998 and he had his first mobile phone that could send text messages. So, he made up some numbers and fired off the simple greeting ‘hullo’. One recipient was another 18-year-old called […] The post Call me appeared first on Turn the Page .…

منذ 1 year

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With the UK general election in full swing the political parties are starting to publish their manifestos. They will be full of promises to cut taxes, create jobs, spend billions on healthcare and housing and generally make us all feel richer and happier. The problem is we’re all rather cynical, convinced that politicians promise the […] The post Manifesto promises appeared first on Turn the Page .…

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