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    <channel>
        <title>
            <![CDATA[MMA Financial Talk]]>
        </title>
        <link>https://www.millsmccaghren.com</link>
        <description>
            <![CDATA[Listen to David McCaghren and Robert Mills on MMA Financial Talk each week for financial tips, strategies, and retirement planning.]]>
        </description>
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            <title>
                <![CDATA[MMA Financial Talk]]>
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            <link>https://www.millsmccaghren.com</link>
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                    <itunes:author>
                <![CDATA[David McCaghren]]>
            </itunes:author>
                <itunes:owner>
            <itunes:name>
                <![CDATA[David McCaghren]]>
            </itunes:name>
            <itunes:email>radio@lusonmedia.com</itunes:email>
        </itunes:owner>
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        <itunes:category text="Business" />
        <itunes:explicit>no</itunes:explicit>

        
        <dc:creator>
            <![CDATA[David McCaghren]]>
        </dc:creator>

                    <item>
                <title>
                    <![CDATA[What You Should Know About IRA Withdrawals]]>
                </title>
                                <description>
                                            <![CDATA[During this episode, we&#039;ll walk through the key rules and strategies around traditional IRA withdrawals and how timing your withdrawals could make a meaningful difference in your overall retirement picture.]]>
                                    </description>
                <pubDate>Sat, 30 May 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10526</guid>

                
                
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                <itunes:author>
                    <![CDATA[David McCaghren]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this episode, we&#039;ll walk through the key rules and strategies around traditional IRA withdrawals and how timing your withdrawals could make a meaningful difference in your overall retirement picture.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">David McCaghren</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 30 May 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During this episode, we&#039;ll walk through the key rules and strategies around traditional IRA withdrawals and how timing your withdrawals could make a meaningful difference in your overall retirement picture.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Follow Your Social Security Signs]]>
                </title>
                                <description>
                                            <![CDATA[During this show, our discussion will focus on how to know when to file for Social Security and three ways you might be able to max out your benefit during the current year.]]>
                                    </description>
                <pubDate>Sat, 23 May 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10475</guid>

                
                
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                <itunes:author>
                    <![CDATA[David McCaghren]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this show, our discussion will focus on how to know when to file for Social Security and three ways you might be able to max out your benefit during the current year.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">David McCaghren</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 23 May 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During this show, our discussion will focus on how to know when to file for Social Security and three ways you might be able to max out your benefit during the current year.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[A Different Way to Budget]]>
                </title>
                                <description>
                                            <![CDATA[During this episode, we discuss the anti-budget — a simpler, more sustainable approach to managing money — and connect it to the broader goal of financial freedom.]]>
                                    </description>
                <pubDate>Sat, 09 May 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10322</guid>

                
                
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                <itunes:author>
                    <![CDATA[David McCaghren]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this episode, we discuss the anti-budget — a simpler, more sustainable approach to managing money — and connect it to the broader goal of financial freedom.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">David McCaghren</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 09 May 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During this episode, we discuss the anti-budget — a simpler, more sustainable approach to managing money — and connect it to the broader goal of financial freedom.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Is a Roth Conversion Right for You?]]>
                </title>
                                <description>
                                            <![CDATA[During this episode, we&#039;ll explore Roth conversions including what they are, who they may benefit, and the important considerations anyone should think through before making a decision.]]>
                                    </description>
                <pubDate>Sat, 25 Apr 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10243</guid>

                
                
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                <itunes:author>
                    <![CDATA[David McCaghren]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this episode, we&#039;ll explore Roth conversions including what they are, who they may benefit, and the important considerations anyone should think through before making a decision.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">David McCaghren</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 25 Apr 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During this episode, we&#039;ll explore Roth conversions including what they are, who they may benefit, and the important considerations anyone should think through before making a decision.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The Power of Spousal Benefits]]>
                </title>
                                <description>
                                            <![CDATA[During this episode, we’ll consider how properly utilizing Social Security’s spousal benefit may make your benefit even more powerful.]]>
                                    </description>
                <pubDate>Sat, 11 Apr 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10150</guid>

                
                
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                <itunes:author>
                    <![CDATA[David McCaghren]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this episode, we’ll consider how properly utilizing Social Security’s spousal benefit may make your benefit even more powerful.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">David McCaghren</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 11 Apr 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During this episode, we’ll consider how properly utilizing Social Security’s spousal benefit may make your benefit even more powerful.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Retirement Taxes and Money Moves]]>
                </title>
                                <description>
                                            <![CDATA[During this show, we’ll look at the new senior tax deduction and potential money moves those who are close to retirement can make this year.]]>
                                    </description>
                <pubDate>Sat, 21 Mar 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10040</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/WoEaJdRxZDc4Vvxq5q4YeYdxj3ChrKRXHvJWakx2.mp3"  length="25133493"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[David McCaghren]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this show, we’ll look at the new senior tax deduction and potential money moves those who are close to retirement can make this year.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">David McCaghren</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 21 Mar 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During this show, we’ll look at the new senior tax deduction and potential money moves those who are close to retirement can make this year.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Prepare Today for Tomorrow’s Healthcare Costs]]>
                </title>
                                <description>
                                            <![CDATA[During this episode, we’ll discuss the importance of addressing future healthcare expenses when planning for retirement.]]>
                                    </description>
                <pubDate>Sat, 14 Mar 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9997</guid>

                
                
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                <itunes:author>
                    <![CDATA[David McCaghren]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this episode, we’ll discuss the importance of addressing future healthcare expenses when planning for retirement.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">David McCaghren</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 14 Mar 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During this episode, we’ll discuss the importance of addressing future healthcare expenses when planning for retirement.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[What 2026 Could Mean for Retirees]]>
                </title>
                                <description>
                                            <![CDATA[During this episode, we’re going to look at some of the financial signs that retirees should be aware of in 2026.]]>
                                    </description>
                <pubDate>Sat, 28 Feb 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9922</guid>

                
                
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                <itunes:author>
                    <![CDATA[David McCaghren]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this episode, we’re going to look at some of the financial signs that retirees should be aware of in 2026.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">David McCaghren</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 28 Feb 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During this episode, we’re going to look at some of the financial signs that retirees should be aware of in 2026.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Retiring Early? Here’s What You Need To Know.]]>
                </title>
                                <description>
                                            <![CDATA[During this episode, we’ll examine some of the things you need to know about retiring early.]]>
                                    </description>
                <pubDate>Sat, 07 Feb 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9768</guid>

                
                
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                <itunes:author>
                    <![CDATA[David McCaghren]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this episode, we’ll examine some of the things you need to know about retiring early.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">David McCaghren</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 07 Feb 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During this episode, we’ll examine some of the things you need to know about retiring early.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Getting Financially Ready for 2026]]>
                </title>
                                <description>
                                            <![CDATA[During this episode, we’ll examine seven steps that may help you better prepare your finances for 2026.]]>
                                    </description>
                <pubDate>Sat, 17 Jan 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9644</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/g6d3swxC2Ij6MNCFEPHcVbZ8IvwNozX0fYQ1PKqt.mp3"  length="26881765"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[David McCaghren]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this episode, we’ll examine seven steps that may help you better prepare your finances for 2026.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">David McCaghren</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 17 Jan 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During this episode, we’ll examine seven steps that may help you better prepare your finances for 2026.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[2026 May Boost Your Retirement Income]]>
                </title>
                                <description>
                                            <![CDATA[During this episode, we’re going to consider changes that are coming to IRAs, 401(k)s, and HSAs in 2026 that may keep more money in your pocket.]]>
                                    </description>
                <pubDate>Sat, 20 Dec 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9527</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/xwFMNbRVVwoMzdFtPiHhGhgHRmpMQMtCyAFrZ1tw.mp3"  length="30002791"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[David McCaghren]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this episode, we’re going to consider changes that are coming to IRAs, 401(k)s, and HSAs in 2026 that may keep more money in your pocket.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">David McCaghren</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 20 Dec 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During this episode, we’re going to consider changes that are coming to IRAs, 401(k)s, and HSAs in 2026 that may keep more money in your pocket.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Emergency Fund 101]]>
                </title>
                                <description>
                                            <![CDATA[During this episode, we’re going to discuss the importance of an emergency fund and how you can build one of your own.]]>
                                    </description>
                <pubDate>Sat, 13 Dec 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9511</guid>

                
                
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                <itunes:author>
                    <![CDATA[David McCaghren]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this episode, we’re going to discuss the importance of an emergency fund and how you can build one of your own.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">David McCaghren</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 13 Dec 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During this episode, we’re going to discuss the importance of an emergency fund and how you can build one of your own.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Avoid These Spooky Retirement Mistakes]]>
                </title>
                                <description>
                                            <![CDATA[During this show, we’re going to walk through some of the most frightful retirement mistakes and how you can avoid them.]]>
                                    </description>
                <pubDate>Sat, 08 Nov 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9326</guid>

                
                
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                <itunes:author>
                    <![CDATA[David McCaghren]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this show, we’re going to walk through some of the most frightful retirement mistakes and how you can avoid them.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">David McCaghren</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 08 Nov 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During this show, we’re going to walk through some of the most frightful retirement mistakes and how you can avoid them.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Life Insurance? Roth IRA? What You Need to Know!]]>
                </title>
                                <description>
                                            <![CDATA[On today’s show, we’re going to consider the pros and cons of life insurance and Roth IRAs for retirement income as well as saving in a 401(k) and an IRA in the same year.]]>
                                    </description>
                <pubDate>Sat, 01 Nov 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9269</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/3C9VQF6cjQECKxmVepC4HEsonIA0fKnCZAdnWcLr.mp3"  length="31336284"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[David McCaghren]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[On today’s show, we’re going to consider the pros and cons of life insurance and Roth IRAs for retirement income as well as saving in a 401(k) and an IRA in the same year.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">David McCaghren</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 01 Nov 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[On today’s show, we’re going to consider the pros and cons of life insurance and Roth IRAs for retirement income as well as saving in a 401(k) and an IRA in the same year.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[These Habits Aren’t Just for the Wealthy]]>
                </title>
                                <description>
                                            <![CDATA[On this show, we’ll discuss 13 traits common among wealthy people, that anyone can utilize in their own financial strategy.]]>
                                    </description>
                <pubDate>Sat, 27 Sep 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9065</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/ZH6O2V2hwTAQ1q7eD92uGpd0XfWOX9ayWYIv7D57.mp3"  length="40491620"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[David McCaghren]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[On this show, we’ll discuss 13 traits common among wealthy people, that anyone can utilize in their own financial strategy.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">David McCaghren</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 27 Sep 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[On this show, we’ll discuss 13 traits common among wealthy people, that anyone can utilize in their own financial strategy.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Finish 2025 Strongly]]>
                </title>
                                <description>
                                            <![CDATA[During this show we’re going to examine some mid-year 2025 financial steps that could brighten your 2026.]]>
                                    </description>
                <pubDate>Sat, 13 Sep 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9009</guid>

                
                
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                <itunes:author>
                    <![CDATA[David McCaghren]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this show we’re going to examine some mid-year 2025 financial steps that could brighten your 2026.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">David McCaghren</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 13 Sep 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During this show we’re going to examine some mid-year 2025 financial steps that could brighten your 2026.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Beneficiary 101]]>
                </title>
                                <description>
                                            <![CDATA[During this show, we’ll examine many of the legal and strategy steps you should consider if you inherit an IRA.]]>
                                    </description>
                <pubDate>Sat, 30 Aug 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8938</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/ayL5H7sjmT3xAJam2Lx7szjzQiW83DlST8xMWEGo.mp3"  length="29868512"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[David McCaghren]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this show, we’ll examine many of the legal and strategy steps you should consider if you inherit an IRA.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">David McCaghren</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 30 Aug 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During this show, we’ll examine many of the legal and strategy steps you should consider if you inherit an IRA.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Social Security and the Big Beautiful Bill]]>
                </title>
                                <description>
                                            <![CDATA[During this show, we’ll take a much deeper look at how the recently signed Big Beautiful Bill will specifically affect Social Security and older Americans.]]>
                                    </description>
                <pubDate>Sat, 16 Aug 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8876</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/bvVjgFh2dljwgxmF7toN9JqrPGmif6UT36Yx8msa.mp3"  length="35777696"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[David McCaghren]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this show, we’ll take a much deeper look at how the recently signed Big Beautiful Bill will specifically affect Social Security and older Americans.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">David McCaghren</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 16 Aug 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During this show, we’ll take a much deeper look at how the recently signed Big Beautiful Bill will specifically affect Social Security and older Americans.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The Cost of Being a Grandparent]]>
                </title>
                                <description>
                                            <![CDATA[During today’s show, we’ll consider how much it costs to be a grandparent and how you can build a financial strategy that positions you to enjoy your grandkids while also taking care of your own financial needs.]]>
                                    </description>
                <pubDate>Sat, 09 Aug 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8834</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/kG1TmQalWOHuni62OHmJDYFoswowyEtNJu4FeU6i.mp3"  length="33082016"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[David McCaghren]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During today’s show, we’ll consider how much it costs to be a grandparent and how you can build a financial strategy that positions you to enjoy your grandkids while also taking care of your own financial needs.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">David McCaghren</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 09 Aug 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During today’s show, we’ll consider how much it costs to be a grandparent and how you can build a financial strategy that positions you to enjoy your grandkids while also taking care of your own financial needs.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Two Retirement Rules You Should Know About]]>
                </title>
                                <description>
                                            <![CDATA[On this episode, we’ll discuss two common retirement rules: The rule of $1,000 and the rule of dying with zero.]]>
                                    </description>
                <pubDate>Sat, 19 Jul 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8741</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/rxSvqke8R29ahrNdmU1y08Wr8d527VNQxG6NJaNK.mp3"  length="38787872"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[David McCaghren]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[On this episode, we’ll discuss two common retirement rules: The rule of $1,000 and the rule of dying with zero.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">David McCaghren</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 19 Jul 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[On this episode, we’ll discuss two common retirement rules: The rule of $1,000 and the rule of dying with zero.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Elder Abuse and Scams Part 2]]>
                </title>
                                <description>
                                            <![CDATA[There are so many scams and so much fraud, and they especially target seniors. So in this episode we talk about some of the most common scams and how to avoid them.]]>
                                    </description>
                <pubDate>Sat, 28 Jun 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8663</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/wYRwpJ6ZtILB49xcFjKqVTdbyOn5eD7xXR3o1X0W.mp3"  length="29391008"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[David McCaghren]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[There are so many scams and so much fraud, and they especially target seniors. So in this episode we talk about some of the most common scams and how to avoid them.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">David McCaghren</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 28 Jun 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[There are so many scams and so much fraud, and they especially target seniors. So in this episode we talk about some of the most common scams and how to avoid them.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Elder Abuse &amp; Financial Scams]]>
                </title>
                                <description>
                                            <![CDATA[During this show we’re going to mark National Elder Abuse Awareness Day, June 15, by discussing elder abuse prevention and protecting yourself from financial scams.]]>
                                    </description>
                <pubDate>Sat, 21 Jun 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8627</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/S6unYaEVsvwsmEis1aHebMojqeJsJkifIWfuwXZs.mp3"  length="32899424"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[David McCaghren]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this show we’re going to mark National Elder Abuse Awareness Day, June 15, by discussing elder abuse prevention and protecting yourself from financial scams.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">David McCaghren</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 21 Jun 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During this show we’re going to mark National Elder Abuse Awareness Day, June 15, by discussing elder abuse prevention and protecting yourself from financial scams.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The 2025 Medicare Picture]]>
                </title>
                                <description>
                                            <![CDATA[During today’s show, we’ll discuss Medicare’s 2025 cost increases and more!]]>
                                    </description>
                <pubDate>Sat, 14 Jun 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8584</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/7s2h35v7BBc9w40KtiD5p6GyU1wzqmNVnQ5l5VCE.mp3"  length="34859552"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[David McCaghren]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During today’s show, we’ll discuss Medicare’s 2025 cost increases and more!]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">David McCaghren</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 14 Jun 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During today’s show, we’ll discuss Medicare’s 2025 cost increases and more!]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Yes, retirees should keep investing]]>
                </title>
                                <description>
                                            <![CDATA[During this episode we’ll consider whether retirees should continue investing and talk about the various options for financial growth in retirement.]]>
                                    </description>
                <pubDate>Sat, 07 Jun 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8556</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/onhBsyXIjdHcGUBFzUeZIcv355Ux4MpYowBDBgkQ.mp3"  length="29093792"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[David McCaghren]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this episode we’ll consider whether retirees should continue investing and talk about the various options for financial growth in retirement.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">David McCaghren</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 07 Jun 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During this episode we’ll consider whether retirees should continue investing and talk about the various options for financial growth in retirement.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Recession Fears are Easing]]>
                </title>
                                <description>
                                            <![CDATA[On this episode, we discuss the news that the U.S. and China are pausing tariffs for 90 days while they negotiate a formal trade agreement, and what it means for you and your finances.]]>
                                    </description>
                <pubDate>Wed, 28 May 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8432</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/YddI9N90DrKyn1aMlbEZuWOhI86e7YCIruJKB7yh.mp3"  length="40294688"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[David McCaghren]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[On this episode, we discuss the news that the U.S. and China are pausing tariffs for 90 days while they negotiate a formal trade agreement, and what it means for you and your finances.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">David McCaghren</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Wed, 28 May 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[On this episode, we discuss the news that the U.S. and China are pausing tariffs for 90 days while they negotiate a formal trade agreement, and what it means for you and your finances.]]>
                    </content:encoded>
                            </item>
            </channel>
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