Mark's Money Mind

Protecting Yourself from Financial Loss: Insurance, Identity Theft, and Fraud Prevention In part five of the financial literacy miniseries, Mark delves into strategies for protecting oneself from financial loss through insurance, identity theft prevention, and fraud avoidance.  Mark covers the four primary risk management techniques: risk avoidance, risk reduction, risk retention, and risk transfer. He discusses various types of insurance, including health, homeowners, renters, auto, and life insurance, outlining their importance and the details of how they function.  Additionally, Mark provides strategies to protect against identity theft and common fraud schemes, emphasizing vigilance in monitoring financial activities and securing personal information.  The episode concludes with a preview of the final part of the miniseries, which will cover income taxes and provide a summary of the top 10 financial lessons from the miniseries in an easy-to-remember format. Episode Links: Mark’s Money Mind YouTube Channel My Social Security Account Official Annual Credit Report website Experian Credit Freeze Equifax Credit Freeze TransUnion Credit Freeze Timestamps: 00:43 Understanding Risk Management 07:57 Types of Insurance 08:05 The Importance of Health Insurance 09:57 Auto and Homeowner's Insurance 12:02 Life and Disability Insurance 14:44 Special Insurance Considerations 16:37 Protecting Against Identity Theft 24:24 Common Fraud Schemes 33:54 Conclusion and Next Steps

The Power of Compounding and Understanding Credit Reports and Credit Scores In this episode, host Mark Trautman explores the topics of compounding, credit reports and credit scores. He begins with an engaging riddle that demonstrates the astonishing impact of compounding to illustrate its significance. Then using historical data and examples, Mark explains how starting early with investments can result in significant financial growth over time.  Mark then transitions to the second segment, where he breaks down the intricacies of credit reports and scores. He discusses what factors influence credit scores, the importance of maintaining a good payment history and minimizing credit utilization. Mark then covers the various implications of different credit score ranges. He also provides practical advice on accessing and monitoring your credit report and credit score.  This episode is part four of the financial literacy miniseries designed to help listeners improve their financial knowledge, avoid common financial pitfalls and achieve financial freedom. Episode Links: Mark’s Money Mind YouTube Channel Official Annual Credit Report website Timestamps: 00:42 The Power of Compounding: The Magic Penny 03:11 Real-Life Examples of Compounding 07:16 The Early Bird vs. The Procrastinator 14:40 The Impact of Investment Costs 17:41 Understanding Credit Reports 21:47 Decoding Credit Scores 30:11 Conclusion and Next Steps

Understanding Liabilities and Calculating Net Worth In this episode, Mark continues the financial literacy miniseries by focusing on liabilities and how to calculate net worth. He explains various short-term and long-term liabilities, including credit cards, student loans, auto loans, and home mortgages.  Mark emphasizes the importance of managing credit card debt and understanding the implications of student loans. Additionally, he discusses the structure of auto loans and mortgages and their impact on financial health.  The episode concludes with a step-by-step guide on calculating net worth. Episode Links: Mark’s Money Mind YouTube Channel Federal Student Aid website Timestamps: 00:25 Recap and Today's Focus: Liabilities 01:14 Understanding Liabilities: Short-term vs Long-term 01:53 Managing Credit Card Debt 08:44 Student Loans 15:03 Auto Loans and Mortgages 21:20 Organizing Liabilities on the Net Worth Statement 21:57 Calculating and Understanding Net Worth 25:15 Conclusion and Next Episode Preview

Understanding Your Net Worth Statement: Assets Unveiled In this episode Mark guides listeners through the asset side of the net worth statement. Building on the last episode's discussion on tracking income and expenses with a money journal, Mark explains the importance of categorizing assets into cash and cash equivalents, investments, and use assets.  He delves into the specifics of each category, offering practical advice on how to compile and assess these assets for your financial snapshot. From understanding different types of accounts to recognizing the value of personal property and investments, this episode serves as a comprehensive guide to mastering the asset side of your net worth statement.  Tune in next time for the next part of the mini-series, where liabilities and calculating net worth will be discussed. Episode Links: Mark’s Money Mind YouTube Channel Timestamps: 01:19 Recap of Money Journal and Introduction to Net Worth Statement 03:21 Cash and Cash Equivalents 04:45 Investments Overview 06:40 Use Assets Explained 08:23 Deep Dive into Cash and Cash Equivalents 12:04 Understanding Bonds 16:43 Stocks and Their Returns 22:09 Investment Accounts: Taxable, Tax-Deferred, and Tax-Free 25:16 Conclusion and Next Steps

Kickstarting Financial Literacy: Tracking Income and Expenses In this episode Mark introduces a special miniseries aimed at the high school seniors of Crested Butte Community School. Mark outlines his plan for making financial literacy accessible through podcast episodes that parallel his classroom lessons.  He delves into the key components of the first lesson: tracking income and expenses. Mark discusses setting up a ‘Money Journal,' understanding paychecks, categorizing expenses, and prioritizing savings. He emphasizes the importance of living within your means and avoiding 'lifestyle creep.'  Tune in to explore actionable steps towards financial freedom and learn about tools and techniques to maintain a healthy financial life. Episode Links: Mark’s Money Mind YouTube Channel Spending Tracker App (iPhone) Spending Tracker App (Google) Timestamps: 00:25 Purpose of the Financial Literacy Miniseries 02:35 Overview of Financial Literacy Course 05:23 Lesson 1: Tracking Income and Expenses 06:01 Understanding Financial Statements 12:34 Fixed, Variable, and Periodic Expenses 14:40 Prioritizing Savings 22:19 Tools for Tracking Spending 24:32 Wrap Up

In this episode Mark delves into the intricacies of ACA subsidies and the significant changes expected in 2026, including the return of the subsidy cliff and increases in Expected Premium Contribution levels based on household Federal Poverty Level guidelines.  He also shares insights from the new book 'Tax Planning To and Through Early Retirement' by Cody Garrett, CFP and Sean Mullaney, CPA which challenges his current approach to Roth IRA conversions. Mark also discusses his personal financial planning strategy for 2026 while offering listeners insight on how to navigate the evolving healthcare landscape. The episode concludes with a light-hearted note about Halloween preparations. Episode Links: Mark’s Money Mind YouTube Channel Beyond the Basics ACA Subsidy Reference Chart - Coverage Year 2025 Beyond the Basics ACA Subsidy Reference Chart - Coverage Year 2026 Tax Planning To and Through Early Retirement by Cody Garrett, CFP and Sean Mullaney, CPA Timestamps: 00:22 Life Update: Moving and Teaching 00:58 Roth IRA Conversions and ACA Subsidies 04:53 Upcoming Changes in ACA Subsidies 08:01 Federal Poverty Guidelines and Expected Premium Contributions Explained 18:34 Planning for 2026 and Beyond 25:58 Halloween Fun and Show Wrap-Up _______________ As an Amazon Associate this show earns income from qualifying purchases. Affiliate links do not increase your costs, and we will only link to products or services that we are familiar with and that we feel may deliver value to you. The modest income received from affiliate links helps support the cost of running and managing this show.

In this episode Mark shares his personal approach to fourth quarter income and tax planning. He explains the benefit of using a one-page financial plan and discusses strategies for Roth IRA conversions, tax planning, handling required minimum distributions (RMDs), and navigating the Affordable Care Act's (ACA) advanced premium tax credits.  Mark provides detailed insights into social security benefits for survivors, including his own experience claiming benefits at age 60. He also touches on maintaining liquidity, setting up automatic monthly 'paychecks' from investment accounts, and the implications of income on Medicare insurance premiums.  This comprehensive episode is a great listen for anyone looking to optimize their financial situation as we head toward year’s end. Episode Links: Mark’s Money Mind YouTube Channel DinkyTown Tax Calculator Timestamps: 00:25 Personal Updates and Financial Planning 02:04 Understanding Social Security Survivor Benefits 08:44 Q4 Financial Review and Planning 14:20 Tax Strategies and Roth Conversions 34:56 Managing Income and Expenses

In this heartfelt episode, Mark dedicates this show to his late niece Emily, sharing valuable lessons from her life and how they align with the principles of Financial Independence (FI). Mark recounts Emily's prudent financial decisions, like investing early, living frugally, and finding joy in repurposing items.  He highlights her strategic choices in education, transportation, and home buying—all quintessential FI practices. Emily’s approach to financial independence emphasized enjoying life in the present while preparing for the future, providing a poignant example that motivates listeners to balance saving with life experiences.  This episode also underscores the importance of shared experiences with loved ones, echoing the principles from the book 'Die With Zero.' Tune in for a touching tribute to Emily and insightful takeaways on living a fulfilling life while pursuing financial freedom. Timestamps: 00:33 A Tribute to Emily 01:14 The Power of Compounding Investments 05:08 Emily's Financial Independence Journey 08:39 Life Lessons and Financial Wisdom 16:19 Living a Fulfilling Life 19:13 Final Thoughts and Farewell

In this live recorded episode Mark and co-host Kevin Sebesta welcome a variety of guests from CampFI Rocky Mountain Week 3 in Colorado Springs.  The show begins with an engaging conversation with Scott, a physician assistant, and his daughter Zoe, who share their journey towards Financial Independence (FI) and the life experiences that shaped their financial decisions.  The episode also features Lauren, a former federal employee who discusses her career transition and personal growth journey. Key themes include the value of early financial education, the significance of sabbaticals, and the power of community in achieving financial goals. Lauren emphasizes living intentionally, exploring new opportunities, and overcoming fears, all while navigating the path to financial freedom. Episode Links: Mark’s Money Mind YouTube Channel CampFI Timestamps: 00:29 Live from CampFI: Meet the Hosts 01:46 Scott's Journey to Financial Independence 09:40 Zoe's Perspective on Financial Education 16:24 Zoe's Gap Year Adventure 20:09 Reflections and Future Plans 22:36 Introducing Lauren: A Journey to Financial Independence 23:04 Lauren's Background and Early Financial Challenges 24:10 Discovering the FI/RE Movement and Paying Off Student Loans 26:14 Finding Community and Support at CampFI 27:03 The Impact of a Case Study and Seeking Permission 30:05 Major Life Changes and Career Decisions 34:08 Embracing New Opportunities and Personal Growth 38:50 Overcoming Fear and Trying New Things 44:37 Long-Term Vision and Future Plans

In this episode Mark is joined by tax expert Sean Mullaney, CPA live from CampFI in Colorado Springs. They dive into the recent changes brought by the new tax legislation, the One Big Beautiful Bill Act (OBBBA), signed into law on July 4th.  Key topics include permanent tax rates, increased standard deductions, higher child tax credit, new personal exemptions for seniors, potential future tax adjustments, and expanded eligibility for HSA contributions under ACA plans.  They also discuss strategic tax planning for early retirees and Sean’s upcoming book on tax planning co-authored with Cody Garrett, CFP®. Episode Links: Mark’s Money Mind YouTube Channel FI Tax Guy blog Sean Mullaney YouTube channel U.S. Code § 36B - Refundable credit for coverage under a qualified health plan Tax Planning To and Through Early Retirement by Cody Garrett, CFP® and Sean Mullaney, CPA Timestamps: 00:40 Live from CampFI: Special Guest Sean Mullaney 01:23 Overview of the New Tax Bill 01:55 Changes in Tax Rates and Standard Deductions 04:39 Child Tax Credit and Personal Exemptions 05:14 New Deductions for Retirees and Workers 11:56 State and Local Tax Deductions 14:23 Charitable Contributions and Estate Tax 21:13 Affordable Care Act Changes 29:46 Upcoming Book: Tax Planning To and Through Early Retirement _______________ This show is for education and entertainment purposes only and should not be considered investment, tax, or legal advice. Please consult the appropriate advisor or advisors before implementing anything you hear on this show or any other show for that matter. Mark, his guests, and the Mark’s Money Mind show do not endorse Sean Mullaney, Mullaney Financial & Tax, Inc. and their services.

In this episode of the Mark's Money Mind show, host Mark Trautman, along with co-host Kevin Sebesta, speak live from CampFI Rocky Mountain about various aspects of the Financial Independence / Retire Early (FIRE) journey.  They welcome guests from different stages of the FI process, including Alison, who is in the discovery stage, and Camille and Daryl, who are in the mindful middle of their journey. Additionally, Darren and Jolene, who have graduated past the FI finish line, discuss how they manage their finances post-retirement, specifically focusing on strategies like the 72T distribution.  The episode underscores the importance of community support, planning, and adaptability in achieving financial independence and designing a fulfilling post-retirement life. Episode Links: Mark’s Money Mind YouTube Channel CampFI The Mindful Middle | Episode 018 How to Money podcast ChooseFI podcast The Millionaire Next Door: The Surprising Secrets of America’s Wealthy By Thomas J. Stanley & William D. Danko The House Hacking Strategy: How to Use Your Home to Achieve Financial Freedom By Craig Curelop Timestamps: 00:00 Welcome to Mark's Money Mind Show 00:50 Introducing Co-Host Kevin Sebesta 02:15 Guest Spotlight: Alison's FI/RE Journey 02:29 Discovering Financial Independence 08:48 Reselling as a Side Hustle 11:44 The Mindful Middle: Camille and Daryl's Story 13:18 Navigating the FI Journey 15:33 House Hacking and Financial Strategies 24:50 Balancing Saving and Enjoying Life 31:20 Team Effort in Financial Planning 33:12 First Impressions of the Event 36:05 The Graduates: Darren and Jolene 37:17 Accessing Retirement Funds Early 42:53 Roth Conversion Ladder Strategy 44:15 72(t) Rule Explained 50:31 Planning and Adjusting for Early Retirement 58:50 Final Thoughts _______________ As an Amazon Associate this show earns income from qualifying purchases. Affiliate links do not increase your costs, and we will only link to products or services that we are familiar with and that we feel may deliver value to you. The modest income received from affiliate links helps support the cost of running and managing this show.

In this episode Mark shares his comprehensive approach to a semi-annual financial review. Covering essential personal finance practices, Mark outlines steps for calculating net worth, tracking spending, evaluating annual achievements against the one-page financial plan, and preparing for future financial goals.  Mark provides insights on Roth conversions, social security benefits, and his personal experiences with major expenses. Additionally, he discusses the importance of regular updates to estate planning documents and beneficiary designations. This episode is a deep dive into detailed financial oversight practices aimed at maintaining and enhancing financial freedom. Episode Links: Mark’s Money Mind YouTube Channel The Financial Starting Line – Net Worth, 529 to Roth IRA and Q&A | Episode 003 New Year Financial Planning | Episode 039 Timestamps: 00:52 Semi-Annual Financial Review: Net Worth Calculation 08:38 Reviewing Your Spending 16:32 The Anti-Budget Approach 18:24 One Page Financial Plan: Mid-Year Check-In 23:15 Roth Conversions and Tax Strategies 29:13 Social Security Survivor Benefits 41:22 Estate Planning and Beneficiary Designations 43:00 Wrapping Up and Upcoming Events

In this episode Mark discusses significant updates to the Capital One Venture X and Chase Sapphire Reserve credit cards, affecting lounge access, benefits and annual fees.  He elaborates on how these changes will impact frequent travelers, comparing the benefits and drawbacks of both cards, and considers whether to keep or cancel these cards in light of the updates.  He also touches upon potential changes coming to the American Express Platinum card and discusses how he may proceed in navigating these changes. If you would like your question answered on the show, please send an email to Mark@MarksMoneyMind.com and put “podcast question” in the subject line. Episode Links: Mark’s Money Mind YouTube Channel Capital One Set to Change Lounge Access Policies Introducing the New Couponified Chase Sapphire Reserve Timestamps: 00:52 Changes in Credit Card Rewards: Capital One Venture X 05:01 Navigating the Capital One Venture X Changes 11:20 Chase Sapphire Reserve: New Updates and Implications 15:26 Evaluating the Chase Sapphire Reserve Benefits 23:21 American Express Platinum: Current and Future Considerations 40:42 Final Thoughts and Recommendations

In this episode Mark delves into his personal approach to post-retirement asset allocation, expanding on a discussion from his appearance on the BiggerPockets Money podcast. Mark shares his journey from a 100% equities portfolio during his accumulation years to his current 80% equity and 20% fixed income allocation.  He explains the rationale behind this transition, influenced by various strategies and personal research, while emphasizing the importance of understanding one's risk tolerance and risk capacity. Mark also explores the different components of his portfolio, including his preference for ETFs and the usage of short-term treasuries.  This episode aims to provide insight by example for those nearing or in retirement, while stressing the need for individualized financial planning. If you would like your question answered on the show, please send an email to Mark@MarksMoneyMind.com and put “podcast question” in the subject line. Episode Links: Mark’s Money Mind YouTube Channel BiggerPockets Money Podcast | Life After Fire Reply on Your Investment Policy Statement During Rocky Markets | Episode 040 Simple Path to Wealth by JL Collins (Revised & Expanded 2025 Edition) Early Retirement Now - Safe Withdrawal Rate Series Retirement Answer Man podcast Retirement & IRA Show - Our Retirement Philosophy and Approach, Condensed Version: EDU #2508 Berkshire Hathaway Shareholder Letter 2013 Timestamps: 00:23 Asset Allocation Introduction 02:07 Pre-Retirement Investment Strategy 06:13 Transition to Post-Retirement Portfolio 09:09 Determining the 80/20 Asset Allocation 25:25 Detailed Breakdown of the 80% Equities 30:52 Fixed Income Strategy and Rebalancing 38:05 Conclusion and Final Thoughts _______________ As an Amazon Associate this show earns income from qualifying purchases. Affiliate links do not increase your costs, and we will only link to products or services that we are familiar with and that we feel may deliver value to you. The modest income received from affiliate links helps support the cost of running and managing this show.

Mark shares insights on achieving financial independence and preparing the next generation for financial freedom. Returning from his trip to French Polynesia and Hawaii, Mark delves into strategies for setting up children and the next generation for financial success using Roth IRAs, 529 plans and custodial accounts.  He also answers a listener's question about whether to contribute to a Traditional 401k, Roth 401k or Roth IRA. The episode concludes with Mark reflecting on Warren Buffett's retirement and the power of compounding growth. If you would like your question answered on the show, please send an email to Mark@MarksMoneyMind.com and put “podcast question” in the subject line. Episode Links: Mark’s Money Mind YouTube Channel The Wonder of Compounding | Episode 011 Berkshire Hathaway 2025 Annual Meeting: Morning Session Berkshire Hathaway 2025 Annual Meeting: Afternoon Session Timestamps: 00:28 Recent Travels 01:54 Setting Up for Financial Independence 04:03 Funding College Education 06:49 Custodial Accounts for Nieces and Nephews 08:45 Roth IRA for Young Earners 24:31 Listener Question 32:14 Warren Buffett's Retirement

In this episode Mark discusses recent market volatility triggered by the administration’s tariff implementation and subsequent policy reversal, detailing a sharp drop and rebound in stock values.  Mark explains bear markets and corrections, referencing historical data on market crashes included in a recent Morningstar article. Key insights from Warren Buffet and the late Charlie Munger emphasize staying rational and adhering to a well-defined investment policy.  Mark talks about possible strategies during market declines, such as rebalancing portfolios or considering Roth conversions, and stresses the importance of emotional control in long-term investing.  The episode concludes with a note on tuning out market noise and maintaining focus on investment goals. If you would like your question answered on the show, please send an email to Mark@MarksMoneyMind.com and put “podcast question” in the subject line. Episode Links: Mark’s Money Mind YouTube Channel What We’ve Learned From 150 Years of Stock Market Crashes - Morningstar Reply on Your Investment Policy Statement During Rocky Markets | Episode 040 Charlie Munger’s Advice for Volatile Markets - CNBC Timestamps: 00:23 Market Volatility in April 2025 02:54 Understanding Bear Markets 03:40 Historical Bear Markets Analysis 11:01 Investment Strategies During Market Declines 20:42 Charlie Munger's Wisdom on Market Volatility 35:21 Final Thoughts and Upcoming Plans

In this episode Mark discusses the importance of understanding market valuation to navigate the current financial landscape. Mark explains the differences between being a shareholder and a bondholder and dives deep into the concept of the Price to Earnings (PE) ratio and its significance in evaluating stocks.  He explains how to calculate the PE ratio of the S&P 500 Index and compares it historically. Mark also introduces the cyclically adjusted PE ratio (CAPE ratio) to account for market fluctuations and discusses the Earnings Yield compared to the 10-year Treasury yield.  He provides insights into various valuation models and their current relevance. Mark wraps up by sharing Warren Buffett's wisdom on market fluctuations and encourages investors to maintain a long-term perspective, particularly during market corrections. If you would like your question answered on the show, please send an email to Mark@MarksMoneyMind.com and put “podcast question” in the subject line. Episode Links: Mark’s Money Mind YouTube Channel Reply on Your Investment Policy Statement During Rocky Markets | Episode 040 Current Market Valuation website 1997 Berkshire Hathaway Chairman’s Letter Timestamps: 00:51 Understanding Share Ownership and Earnings 03:26 Valuing the Market: Price to Earnings Ratio 07:56 Historical Context and Market Valuation 10:36 Alternative Valuation Models and Treasury Yields 21:44 Warren Buffet's Wisdom on Market Fluctuations 26:47 Conclusion and Final Thoughts

In this episode Mark discusses the pros and cons of paying off a low-interest mortgage with Doug Cunnington from the Mile High FI podcast. They address a listener's question about whether to pay off a 2.5% mortgage or invest the money elsewhere.  The discussion includes various approaches, potential returns, and risk mitigation strategies. Mark and Doug also delve into scenarios related to market volatility, financial flexibility, and the psychological impact of mortgage debt.  If you would like your question answered on the show, please send an email to Mark@MarksMoneyMind.com and put “podcast question” in the subject line. Episode Links: Mark’s Money Mind YouTube Channel Mile High FI podcast The Wonder of Compounding | Episode 011 Morningstar article: What We’ve Learned From 150 Years of Stock Market Crashes Timestamps: 01:30 Listener's Mortgage Dilemma 02:39 Mark's Mortgage Insights 03:26 Financial Details Breakdown 08:55 Investment vs. Mortgage Payoff 09:55 Mark's Money Tree Analogy 17:13 AI's Financial Analysis 22:16 Mortgage Payoff vs. Investment Returns 22:56 Evaluating Net Worth and Stress Reduction 23:56 Securing Investments and Limiting Downside 26:19 Flexibility and Liquidity Considerations 27:13 Personal Experiences and Financial Insight 30:38 Market Trends and Historical Insights 36:41 Investment Strategies and Risk Management 39:59 Conclusion and Final Thoughts

In this episode, Mark co-hosts an episode of the Mile High FI podcast with Doug Cunnington where they explore the concept of loosening the purse strings in 2024. Recorded at Doug Cunnington's Basement Studio in Longmont, Colorado, the conversation delves into overcoming frugal habits within the financial independence community.  They discuss personal experiences, like Doug's indulgence in guitars, e-bikes, and travel as well as Mark's big-ticket purchases including cruises, a new car and house.  The episode offers insight into balancing financial prudence with enjoying the fruits of financial success, featuring practical tips and personal anecdotes to inspire listeners to adopt a more relaxed approach to spending after reaching Financial Independence. If you would like your question answered on the show, please send an email to Mark@MarksMoneyMind.com and put “podcast question” in the subject line. Episode Links: Mark’s Money Mind YouTube Channel Mile High FI podcast Timestamps: 00:58 Welcome to Mile High FI Podcast 02:04 Discussing Non-Frugal Habits 03:04 The Fun Bucket Concept 13:08 Cruise Adventures and Upgrades 24:22 Guitar and Music Passion 30:00 Travel Upgrades and Airline Preferences 32:25 Frugality and Travel Hacking 38:32 E-Bikes and Amazon Purchases 41:49 New Car and House Purchases 52:39 Podcasting and Future Plans

In this episode Mark discusses the crucial role of an Investment Policy Statement (IPS) in guiding investment decisions and maintaining a long-term perspective during market volatility.  He references a detailed article from the Bogleheads and explains the benefits of an IPS, including setting investment goals, asset allocation, risk tolerance, and rebalancing strategies. Mark also shares his personal Investment Policy Statement and emphasizes the importance of creating and adjusting it during calm market periods.  Listeners are encouraged to create or refine their IPS to achieve financial success. If you would like your question answered on the show, please send an email to Mark@MarksMoneyMind.com and put “podcast question” in the subject line. Episode Links: Mark’s Money Mind YouTube Channel FinTalks Cruises Bogleheads Investment Policy Statement Article Warren Buffett’s Letter to Shareholders - February 2025 The Simple Path to Wealth by JL Collins Timestamps: 00:57 Recent Events and Market Volatility 01:56 Understanding Investment Policy Statements 04:07 Market Trends and Insights 06:34 Creating Your Own Investment Policy Statement 12:13 Mark's Personal Investment Policy Statement 18:49 Rebalancing and Monitoring Your Portfolio 22:58 When to Revise Your Investment Policy Statement 25:25 Upcoming Episodes _______________ As an Amazon Associate this show earns income from qualifying purchases. Affiliate links do not increase your costs, and we will only link to products or services that we are familiar with and that we feel may deliver value to you. The modest income received from affiliate links helps support the cost of running and managing this show.