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Welcome to another episode of Financial Revelations – The Sin of Retirement™ with David Szafranski! Economic News & Market Outlook David discusses the ongoing tensions surrounding Iran and the Strait of Hormuz, where a significant share of the world's oil supply travels. He also looks at the Federal Reserve's upcoming meeting and why he believes the economy and markets remain in a relatively strong position, with steady consumer spending, a resilient job market, and manufacturing activity showing signs of recovery. Questions of the Week When should you sell an investment? David explains why it's important to consider whether an investment still meets your needs and has accomplished what you intended. Is the technology sector's run over? David doesn't think so. With continued demand and a backlog for computer chips, he believes there may still be room for growth. And what does David think about Apple's latest products? He shares his thoughts on the newest technology and why he doesn't want every part of life to revolve around tech. The Sin of Retirement™ & Nativos USA David shares an update on The Sin of Retirement™ small group study guide and personal workbook, both in development. Visit www.sinofretirement.com for updates, the book, and official merchandise. Construction is also underway on a new church in Maués, Brazil, through Nativos USA. Visit www.nativosusa.org to see the progress, learn more, and find out how you can support the mission. Have a financial question or want David and the team to review your portfolio? Email [email protected] and receive a signed book and merch! Follow David on X (formerly Twitter): @skibucks1. To support the Amazon well-drilling project, visit https://nativosusa.org. You can also visit https://www.gofundme.comand search "David Szafranski" to support ongoing mission efforts. Thank you for listening to Financial Revelations – The Sin of Retirement™ with David Szafranski!

Welcome to another episode of Financial Revelations – The Sin of Retirement™ with David Szafranski! David has exciting news about The Sin of Retirement™! A small group study guide and personal workbook are currently in development, giving individuals, churches, and small groups a way to dive deeper into the message of living a life of purpose beyond retirement. Look for both in the coming months, and visit www.sinofretirement.com for updates, the book, and official merchandise. Have a financial question? Email [email protected] and your question could be featured on the podcast—with a chance to receive a Sin of Retirement™ shirt or signed book! There's also exciting news from Nativos USA! Construction is underway on a new church in Maués, Brazil. Progress is steady, and it's exciting to watch the project come together and see how God is working through this ministry. Visit www.nativosusa.org to view photos, learn more about the project, and find out how you can help. Inflation Is Falling David highlights the latest inflation numbers, focusing on core inflation, which excludes food and energy because those categories can be more volatile from month to month. Today's economic releases included the latest PCE inflation data, an important measure closely watched by the Federal Reserve. David discusses the encouraging trend in underlying inflation and what it could mean for the economy and financial markets. Looking Ahead to the Fourth Quarter As we head into the fourth quarter, David believes the market could rally. His message to investors is simple: you don't necessarily have to be aggressive to succeed—you have to stay invested. David discusses why he remains growth-oriented and emphasizes the importance of having a plan, sticking with it, and avoiding emotional decisions when markets move. Have a financial question or would you like David and the team to review your portfolio? Email [email protected]. Follow David on X (formerly Twitter): @skibucks1. To learn more about the Amazon well-drilling project or support the mission, visit https://nativosusa.org. Thank you for listening to Financial Revelations – The Sin of Retirement™ with David Szafranski!

Welcome to another episode of Financial Revelations – The Sin of Retirement™ with David Szafranski! David has exciting news about The Sin of Retirement™! A small group study guide and personal workbook are currently in development, making it easier for individuals, churches, and small groups to dive deeper into the message of living a life of purpose beyond retirement. Look for both to be released in the coming months, and visit www.sinofretirement.com for updates, the book, and official merchandise. There's also exciting news from Nativos USA! Construction is underway on a new church in Maués, Brazil. Progress is steady, and it's exciting to watch this project come together and see how God is working through this ministry. Visit www.nativosusa.org to view photos, learn more about the project, and find out how you can help. Inflation, Oil & the Economy Inflation numbers came out last week, and the latest report was better than expected in some respects. David looks at two important measures: headline inflation and core inflation. Core CPI, which excludes food and energy, increased 2.4% over the past molnth, down from 2.5% in July. Headline CPI held at 3.4% . Energy prices, particularly gasoline, have been an important contributor to recent inflation readings. David also takes a look at historical numbers, including the 10-year Treasury yield, gasoline prices, and how energy costs can affect the economy and inflation. Listener Question: Capital Gains This episode also features a listener question: If you buy a stock for $10 and sell it for $30, what is the capital gains tax? David explains how capital gains work, how the taxable gain is calculated, and the factors that can affect how much tax you may owe. Have a financial question or would you like David and the team to review your portfolio? Email [email protected]. Follow David on X (formerly Twitter): @skibucks1. To learn more about the Amazon well-drilling project or support the mission, visit https://nativosusa.org. You can also visit https://www.gofundme.com and search "David Szafranski" to support ongoing mission efforts. Thank you for listening to Financial Revelations – The Sin of Retirement™ with David Szafranski!

Welcome to another episode of Financial Revelations – The Sin of Retirement™ with David Szafranski! If you or your church are interested in serving on a future mission trip to the Amazon, visit www.nativosusa.org to learn more about opportunities to help provide clean water, build churches, and share the Gospel with remote communities. David is also available to speak to churches, businesses, and organizations about leadership, money management, and the relationship between faith and finances. To schedule a speaking engagement, contact [email protected]. David's book, The Sin of Retirement™, is available at www.sinofretirement.com, where you can also find official merchandise. The book is also available on Amazon and as an audiobook on Audible. The Fed Raises Rates Let's get to it: the Federal Reserve raised interest rates by 25 basis points today, bringing the federal funds target range to 3.75%–4.00%. The Fed said economic activity is expanding at a solid pace, while inflation remains elevated and uncertainty remains tied in part to geopolitical developments. David discusses why he didn't think the rate hike was necessary, arguing that much of the current inflation pressure is connected to the conflict involving Iran and higher energy prices. His view is that if the conflict ends and oil and gas prices decline, some of that inflation pressure could ease. Despite the rate increase, the market reaction has been relatively limited so far, and David takes a closer look at what the decision could mean for investors. What Exactly Is the Federal Funds Rate? So, what is the federal funds rate? It is the interest rate at which depository institutions lend balances to one another overnight. Changes in the federal funds rate can influence other short-term interest rates, financial conditions, and eventually broader economic activity. David explains why this rate matters to investors, borrowers, and the overall economy—and why understanding the Fed can help you better understand the financial markets. Have a financial question or would you like David and the team to review your portfolio? Email [email protected]. Follow David on X (formerly Twitter): @skibucks1. To learn more about the Amazon well-drilling project or support the mission, visit https://nativosusa.org. You can also visit https://www.gofundme.com and search "David Szafranski" to support ongoing mission efforts. Thank you for listening to Financial Revelations – The Sin of Retirement™ with David Szafranski!

Welcome to another episode of Financial Revelations – The Sin of Retirement™ with David Szafranski! We're having a Sin of Retirement™ merchandise giveaway! Have a financial, retirement, or money question you'd like David to answer? Email [email protected]. If your question is selected and read on the podcast, you'll receive your choice of a Sin of Retirement™ shirt, mug, or book! In the news, David discusses the Republican Party's first-ever midterm convention, taking place in Dallas. The unusual two-day event is being held September 9–10 ahead of the 2026 midterm elections. David also reacts to Apple's newly unveiled iPhone Duo, the company's first foldable iPhone. Is Apple finally ready to prove that foldable phones can be a mainstream product? David takes a closer look. The Federal Reserve's next meeting is scheduled for September 15–16. David discusses what could happen with interest rates and why he believes investors should be watching Iran, oil prices, and developments involving Russia and NATO closely. David also discusses the Trump administration's efforts to negotiate an end to the Russia-Ukraine war and asks an important question: Is it diplomacy or appeasement? David shares his perspective on what could happen next. If you or your church are interested in serving on a future mission trip to the Amazon, visit www.nativosusa.org to learn more about opportunities to help provide clean water, build churches, and share the Gospel with remote communities. David is also available to speak to churches, businesses, and organizations on topics including leadership, money management, and the relationship between faith and finances. To schedule a speaking engagement, contact [email protected]. Follow David on X (formerly Twitter): @skibucks1. To learn more about the Amazon well drilling project or support the mission, visit https://nativosusa.org. You can also visit https://www.gofundme.com and search "David Szafranski" to support ongoing mission efforts. Thank you for listening to Financial Revelations – The Sin of Retirement™ with David Szafranski!

Welcome to another episode of Financial Revelations – The Sin of Retirement™ with David Szafranski! 🇨🇦 Canada–U.S. Trade Negotiations David takes a closer look at the latest developments between Canada and the United States, following Canada's decision to break off trade negotiations with the U.S. David argues that Canada should not expect continued access to the American market without negotiating a fair trade relationship. With Canada heavily dependent on trade with the United States, the stakes are significant for both countries. David also discusses Canada's economic performance and declining standard of living over the past decade, and why he believes the U.S. needs to stand firm in negotiations rather than allow its trading partners to take advantage of American businesses and consumers. What does this mean for the future of U.S.-Canada trade, the Canadian economy, and American businesses? David breaks down his perspective and what he believes could happen next. David's book, The Sin of Retirement™, is available at www.sinofretirement.com, where you can also find official merchandise, including the Lake America T-shirt and I Suck At Investing coffee mug. The book is also available on Amazon and as an audiobook on Audible. If you or your church are interested in serving on a future mission trip to the Amazon, visit www.nativosusa.org to learn more about opportunities to help provide clean water, build churches, and share the Gospel with remote communities. David is also available to speak to churches, businesses, and organizations on topics including leadership, money management, and the relationship between faith and finances. To schedule a speaking engagement, contact [email protected]. Have a financial question or would like David and the team to review your portfolio? Email [email protected]. Follow David on X (formerly Twitter): @skibucks1. Thank you for listening to Financial Revelations – The Sin of Retirement™ with David Szafranski!

Welcome to another episode of Financial Revelations – The Sin of Retirement™ with David Szafranski! David shares updates on The Sin of Retirement™, including the latest merchandise and upcoming additions featuring a new Lake America shirt and an updated Communism Sucks shirt. The book is available at www.sinofretirement.com, along with official merchandise, and can also be found on Amazon and as an audiobook on Audible. There is also an important update from Nativos USA. Pastor Marcos was recently robbed and stabbed and is now recovering. The perpetrator has not yet been caught, so please keep Pastor Marcos and his family in your prayers. Nativos is also raising funds to help with the ongoing church building project in the Amazon. To learn more about mission opportunities or ways to support the work, visit www.nativosusa.org. David is also available to speak to churches, businesses, and organizations about leadership, money management, and the relationship between faith and finances. To schedule a speaking engagement, contact [email protected]. In this episode's financial and geopolitical discussion, David looks at the situation in Iran, including the country's economic challenges, inflation, shortages, and the impact of ongoing efforts to pressure the Iranian regime. David also discusses Canadian Prime Minister Mark Carney, U.S.-Canada trade, and the potential economic consequences of Canada's current direction. Have a financial question or would you like David and the team to review your portfolio? Email [email protected]. Follow David on X (formerly Twitter): @skibucks1. To learn more about the Amazon well drilling project or support the mission, visit https://nativosusa.org. You can also visit https://www.gofundme.com and search "David Szafranski" to support ongoing mission efforts. Thank you for listening to Financial Revelations – The Sin of Retirement™ with David Szafranski!

Welcome to another episode of Financial Revelations – The Sin of Retirement™ with David Szafranski! If you or your church are interested in serving on a future mission trip to the Amazon, visit www.nativosusa.org to learn more about opportunities to help provide clean water, build churches, and share the Gospel with remote communities. David is also available to speak to churches, businesses, and organizations on topics including leadership, money management, and the relationship between faith and finances. To schedule a speaking engagement, contact [email protected]. David's book, The Sin of Retirement™, is available at www.sinofretirement.com, where you can also find official merchandise. The book is also available on Amazon and as an audiobook on Audible. In financial news, the latest inflation reports, including CPI and PPI, came in relatively mild. David discusses where inflation may be coming from and how the ongoing conflict in Iran could be affecting prices. Meanwhile, the market continues to move higher as growth remains strong. David also answers an important financial question: When is the right time to do a Roth conversion? He explains the potential benefits of converting traditional retirement funds to a Roth, who pays the taxes on the conversion, and why timing can be an important part of the strategy. Have a financial question or would you like David and the team to review your portfolio? Email [email protected]. Follow David on X (formerly Twitter): @skibucks1. To learn more about the Amazon well drilling project or support the mission, visit https://nativosusa.org. You can also visit https://www.gofundme.com and search "David Szafranski" to support ongoing mission efforts. Thank you for listening to Financial Revelations – The Sin of Retirement™ with David Szafranski!

Welcome to another episode of Financial Revelations – The Sin of Retirement™ with David Szafranski! David shares exciting news about The Sin of Retirement™! A small group study guide and personal workbook are currently in development, making it easier for individuals, churches, and small groups to dive deeper into the message of living a life of purpose beyond retirement. Look for both to be released in the coming months, and visit www.sinofretirement.com for updates, the book, and merchandise. There's also great news from Nativos USA! Construction is underway on a new church in Maués, Brazil. While progress is steady, it's exciting to watch this project come together and see how God is working through this ministry. To view photos, learn more about the project, or find out how you can help, visit www.nativosusa.org. In this week's financial discussion, David examines why the markets appear largely unfazed by the ongoing conflict with Iran and why energy prices continue to play an important role in the economic outlook. He also explains his long-term investment philosophy—why he chooses to buy rather than sell during difficult markets, why he continues holding great companies through volatility, and how staying invested can make a dramatic difference. David shares a powerful chart comparing investors who remained invested during the 10 best trading days of 2025 versus those who missed them, with eye-opening results. Have a financial question or would you like David and the team to review your portfolio? Email [email protected]. Follow David on X (formerly Twitter): @skibucks1. To learn more about the Amazon well drilling project or support the mission, visit https://nativosusa.org. You can also visit https://www.gofundme.com and search "David Szafranski" to support ongoing mission efforts. Thank you for listening to Financial Revelations – The Sin of Retirement™ with David Szafranski!

Welcome back to another episode of Financial Revelations – Sin of Retirement™ with David Szafranski! This week, David shares exciting updates from Nativos USA, where the missions boat Liberty is serving deep in the Amazon jungle alongside a nonprofit organization bringing more than 100 doctors and dentists to provide life-changing medical care to indigenous communities. If you'd like to learn more or support this incredible mission, visit nativosusa.org. David also provides an update on his book, The Sin of Retirement™. A small group study guide and companion workbook are currently in development, making it easier than ever for churches and groups to study the book together. Stay tuned for more details, and visit sinofretirement.com for the book, merchandise, and updates. In this week's financial discussion, David breaks down Federal Reserve Chairman Kevin Warsh's second Fed meeting, where interest rates remained unchanged. He discusses why he believes this signals a less interventionist Federal Reserve that allows markets to function more naturally. David also shares his thoughts on inflation, energy prices, and why he believes Chairman Warsh's long-term leadership will benefit the economy, even as former Chairman Jerome Powell remains on the Fed Board. The episode also covers recent testimony from Dr. Anthony Fauci, including his repeated invocation of the Fifth Amendment and David's perspective on the broader implications. Finally, David discusses ongoing tensions involving Iran and why he believes geopolitical developments remain one of the biggest obstacles to a sustained market rally. Have a financial question or want David and his team to review your portfolio? Email [email protected]. Follow David on X (formerly Twitter): @skibucks1. To learn more about the Amazon well drilling project or support the mission, visit https://nativosusa.org. You can also visit https://www.gofundme.com and search "David Szafranski" to support ongoing mission efforts. Thank you for listening to Financial Revelations – Sin of Retirement™ with David Szafranski!

Welcome to Financial Revelations – Sin of Retirement™ with David Szafranski! If you or your church are interested in serving on a future mission trip to the Amazon, visit www.nativosusa.org to learn more about opportunities to help provide clean water, build churches, and share the Gospel with remote communities. David is also available to speak to churches, businesses, and organizations on topics including leadership, money management, and the relationship between faith and finances. To schedule a speaking engagement, contact [email protected]. David's book, The Sin of Retirement™, is available at www.sinofretirement.com, where you can also find official merchandise. The book is also available on Amazon and as an audiobook on Audible. In This Week's Financial Update David discusses the ongoing conflict involving Iran and why investors should remain patient rather than overly optimistic about a quick resolution. He shares his perspective on how geopolitical uncertainty continues to influence oil prices and explains why elevated energy costs have coincided with depressed stock prices. David also comments on recent actions by the Houthi rebels and what those events could mean for global markets. Listener Questions This week, David answers several questions submitted by listeners, including: What happened to the radio show you were on? What are your thoughts on the Trump Account for kids? Is artificial intelligence going to replace—or even threaten—us? What do you think about SpaceX as a company and investment? Have a financial question or would you like David and the team to review your portfolio? Email [email protected]. Follow David on X (formerly Twitter): @skibucks1 To learn more about the Amazon well drilling project or support the mission, visit: https://nativosusa.org You can also visit https://www.gofundme.com and search "David Szafranski" to support ongoing mission efforts. Thank you for listening to Financial Revelations – Sin of Retirement™ with David Szafranski!

Welcome to Financial Revelations – Sin of Retirement™ with David Szafranski Discover David Szafranski's book, The Sin of Retirement™, and browse official merchandise at www.sinofretirement.com. The book is available in paperback through Amazon and as an audiobook on Audible. The Sin of Retirement™ challenges the traditional view of retirement and encourages readers to live a life of purpose, stewardship, and lasting impact. If you would like David to speak at your church or organization about retirement, money management, or biblical stewardship, please contact [email protected] for more information. Our next Nativos mission trip to the Amazon is scheduled for April 2, 2027, and the trip is already full! If you would like to support the mission, please visit www.nativosusa.org. If you or your church would like more information about organizing a future mission trip, email [email protected]. In This Week's Financial Update David discusses the latest developments in the Middle East, noting that while military activity involving Iran continues, the oil markets have remained relatively stable. Instead of reacting to geopolitical headlines, the markets have been focused primarily on corporate earnings. David also shares his thoughts on SpaceX following its IPO. Although the stock is currently trading below its IPO price, he remains optimistic about the company's long-term outlook and continues to view it as an attractive opportunity for growth-oriented investors. As always, speak with your financial advisor to determine whether an investment is appropriate for your individual situation. Viewer Questions This Week David answers several questions submitted by listeners, including: Leasing versus buying a vehicle Electric vehicles (EV) versus internal combustion engine (ICE) vehicles Roth IRA versus Traditional IRA The Trump Account for children—and why David believes it's an absolute yes Trump Account versus a 529 college savings plan If you would like David and the team to review your portfolio or answer your financial questions, please contact [email protected]. Thank you for listening to Financial Revelations – Sin of Retirement™ with David Szafranski!

Welcome to Financial Revelations–Sin of Retirement™ with David Szafranski 🎉 Book Giveaway! 🎉 We're giving away five autographed copies of David Szafranski's book, The Sin of Retirement! The first five people to email [email protected] will receive a signed copy. David is also hard at work on a companion workbook and mobile app designed to complement The Sin of Retirementand help readers put its principles into action. Stay tuned for more updates! 📘 Learn more or purchase merchandise: www.sinofretirement.com 📖 Get the book on Amazon: https://www.amazon.com/dp/B0FPBQ1TQ2 If you're interested in supporting mission work in the Amazon, or would like to learn more about participating in a future mission trip, visit www.nativosusa.org. Opportunities include drilling fresh water wells, helping build churches, and sharing the Gospel with remote communities. For additional information, email [email protected]. In today's episode, David revisits one of his earlier predictions as tensions with Iran have resurfaced. He shares why he believes the current situation may have a more limited impact on the markets than many expect, pointing to available oil supplies, the nature of the conflict, and the potential political implications heading into the midterm elections. David also discusses what he views as modern forms of socialism and communism in the United States, explaining why he believes these ideas are rooted in envy and contrasting them with the principles of free-market capitalism. Thank you for your continued support of Financial Revelations–Sin of Retirement™. If you would like David and the team to review your portfolio or answer your financial questions, please email or call us for more information.

Happy 4th of July  Welcome to Financial Revelations with David Szafranski! As we celebrate Independence Day weekend, David has two simple reminders: be safe with fireworks and take a moment to appreciate how blessed we are to live in the United States. It's a great time to reflect on the freedoms and opportunities we enjoy while spending time with family and friends. In this episode, David discusses the latest economic news. The recent jobs report came in a little weaker than expected, easing concerns about any potential interest rate hikes. He also shares encouraging news that fuel prices are continuing to trend downward. From all of us at Financial Revelations, we hope you have a safe, enjoyable, and memorable Fourth of July weekend! A special thank you goes out to Howard and Judy for their generous support of Nativos and the Amazon boat fuel ministry. Your partnership is making a real difference in reaching communities throughout the Amazon. If you would like David and the team to review your portfolio, email [email protected] for more information. We're also continuing to support mission work throughout the Amazon. To learn more or make a contribution, please visit www.nativosusa.org. David is the author of The Sin of Retirement, which explores how traditional retirement thinking may be preventing people from achieving true financial freedom and purpose. The book is available in paperback, ebook, and audiobook formats. 📘 Learn more or purchase merchandise: www.sinofretirement.com 📖 Get the book on Amazon: https://www.amazon.com/dp/B0FPBQ1TQ2 Thank you for listening, and have a safe and Happy Fourth of July!

Welcome to Financial Revelations with David Szafranski! It's been an exciting 10 days in the markets. SpaceX finally went public, generating significant excitement among investors. After an initial surge in price, the stock leveled off, reminding investors of an important principle David often emphasizes: think long term. Successful investing is built on patience, discipline, and maintaining a long-term perspective. In other news, we remember the life and legacy of Alan Greenspan, who passed away at the age of 100. Greenspan served as Chairman of the Federal Reserve from 1987 to 2006 and played a significant role in shaping monetary policy during a period of tremendous economic growth and change. David reflects on Greenspan's reputation as a solid economist who generally favored limited intervention and avoided political entanglements. If you would like David and the team to review your portfolio, email [email protected] for more information. We're also continuing to support mission work throughout the Amazon. To learn more about Nativos or contribute to their efforts, please visit www.nativosusa.org. We are currently seeking partners interested in helping provide ongoing monthly fuel donations to support mission activities and outreach in remote areas of the Amazon. David is the author of The Sin of Retirement, which explores how traditional retirement thinking may be preventing people from achieving true financial freedom and purpose. The book is available in paperback, ebook, and audiobook formats. 📘 Learn more or purchase merchandise: www.sinofretirement.com 📖 Get the book on Amazon: https://www.amazon.com/dp/B0FPBQ1TQ2 Thank you for listening to Financial Revelations with David Szafranski!