Why You Should Replace Your Bonds with an Annuity
In this episode of The Power of Zero Show, host David McKnight discusses why it may make sense to replace the bonds in your retirement portfolio with a Fixed Index Annuity, and how doing so could lead to a much better outcome for your retirement. For…
Where Dave Ramsey and Suze Orman Fit and Where They Don’t
David sits down with John Manganaro to unpack the advice of financial gurus like Dave Ramsey and Suze Orman. While their guidance has helped countless Americans get out of debt, David explains why their cookie-cutter approach to retirement income…
If A.I. Leads to Universal Basic Income, How High Will Taxes Have to Go to Pay for It?
David explains why A.I. could make Universal Basic Income (UBI) a reality sooner than you think. As machines take over more jobs—especially white-collar ones—we may need a new safety net just to keep society stable. Why UBI is no longer a fringe…
Social Security and Medicare Trustees Just Dropped a Bombshell (New Dates for Insolvency)
David starts by talking about the apocalyptic headwinds facing Social Security and Medicare and what it means for your retirement plan. The Social Security and Medicare trust funds are projected to be insolvent by 2033, with the combined Social…
Five Mathematical Reasons to Delay Retirement by Five Years
How could postponing your retirement by just five years transform your retirement picture? David McKnight shares mathematical reasons that could help. Reason #1 is compounding. As David explains, “When you delay retirement, your money has more…
Vanguard–4 to 5% Stock Market Growth Over Next 10 Years (Should You Change Your Retirement Strategy?)
In this episode of the Power of Zero Show, David McKnight looks at headlines, such as those from Vanguard, BlackRock or Morningstar, that have predicted a dismal forecast for stock market returns over the next decade. Since such articles predict 4-5%…
Should You Take Social Security Early Given the Scary Trust Fund Report?
The 2025 Social Security Trustees Report is out and the news is bleak. This episode of the Power of Zero Show looks at the potential repercussions if nothing changes by 2033. If things don’t improve, Social Security will face a cash flow deficit that…
The Vindication of Indexed Universal Life and Fixed Indexed Annuities: What the Ernst & Young Study Finally Proves
Ernst & Young recently came out with a new updated study, which is likely to scandalize mainstream financial experts like they did with their 2021 study. Back then, they asked the question, “Is the stock market-only retirement approach really…
Can Republicans Actually Make the Trump Tax Cuts Permanent?
President Trump’s proposed Big Beautiful Bill (BBB), which has been getting everyone’s attention of late, is the topic of this episode of The Power of Zero Show. Host David McKnight points out that the “crown jewel” of the BBB is the…
Doug Andrew: Consider Rolling Your IRA into an IUL (Good idea?)
David McKnight addresses Doug Andrew’s recommendation of turning your IRA into an IUL. David agrees with some of Andrew’s views, including his objection to rolling a 401(k) into an IRA, and then leaving it there until you die. Given the exploding…