A business owner may be financially ready to retire, but what happens when their spouse is a decade younger and still needs health insurance?

In this episode, I'm joined by Andy Panko of Tenon Financial to discuss the costly and often complicated road to Medicare. We explore how employer-sponsored health insurance can mask the true cost of coverage, the challenges of retiring before 65, and the decisions retirees face when choosing between Medicare Advantage and traditional Medicare.

We also dive into Social Security's earnings test, the uncertainty surrounding Roth conversion projections, and one of the biggest challenges in retirement that has little to do with numbers: having enough money to retire but still being afraid to stop working or spend what you've spent decades saving.

00:00 – Introduction

01:37 – Andy Panko Joins the Conversation

02:36 – Retiring Before 65: The Health Insurance Gap

09:00 – The Hidden Cost of Employer Health Insurance

13:26 – Social Security's Earnings Test Explained

18:17 – Medicare Advantage vs. Traditional Medicare

29:04 – Roth Conversions: Less Math, More Judgment

31:34 – Why Retirees Struggle to Stop Working and Spend Their Savings

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Corrections: Editing by http://SwoleNerdProductions.com

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In this episode of 9Innings, host Kevin Thompson sits down with Spear Invest founder Ivana Delevska to discuss one of the hottest investment themes in the market today: AI infrastructure and the explosion in data center demand.

The conversation explores the growing political pushback against new data center developments in cities like Fort Worth and New York, while highlighting why many rural communities are embracing these projects. Ivana explains the concept of compute constraints, why both AI model training and inference are driving unprecedented demand, and what it all means for investors.

Kevin and Ivana also examine the economics of energy, the possibility of space-based data centers, and whether today's AI infrastructure boom resembles the fiber optic buildout of the late 1990s.

Despite concerns about elevated valuations and increasing concentration among technology mega-caps, Ivana remains optimistic. She points to powerful demand signals, including Anthropic's rapid revenue growth, as evidence that this cycle is being driven by real adoption rather than speculation alone.

(00:00) – The War on Data Centers: Why Cities Are Saying No

(03:21) – What Does "Compute Constrained" Actually Mean?

(06:25) – Who Pays for AI? The Hidden Energy Problem

(10:29) – Is This Another Dot-Com Bubble?

(15:29) – Are Big Tech Companies Becoming Too Powerful?

NEWSLETTER (WHAT NOW): https://substack.com/@9icapital?r=2eig6s&utm_campaign=profile&utm_medium=profile-page

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Linkedin: / kevin-thompson-ricp%c2%ae-cfp%c2%ae-74964428

facebook: / mlb2cfp

Buy MLB2CFP Here: https://www.amazon.com/MLB-CFP%C2%AE-90-Feet-Counting-ebook/dp/B0BLJPYNS4

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Corrections: Editing by http://SwoleNerdProductions.com

Disclosure: https://sites.google.com/view/9idisclosure/disclosure

In this episode, host Kevin Thompson sits down with Ryan Luckey, an adjunct professor at TCU specializing in NIL (Name, Image, and Likeness) in college sports. They discuss how NIL has transformed college athletics, giving athletes the ability to profit from their personal brands while also opening the door to direct compensation from schools.

The conversation explores the growing financial divide between large and small programs, the disruptive impact of the transfer portal, the potential role of government regulation, and the evolving definition of the “student-athlete.”

Ryan offers a cautiously optimistic view of NIL’s future, emphasizing the need for better governance, greater standardization, and clearer rules across college athletics. At the heart of the discussion is a fundamental question: How do we build a sustainable system while ensuring athletes finally receive their fair share of the value they help create?

00:01:37 — The NIL Revolution in College Sports

00:04:26 — How College Athletes Actually Get Paid

00:08:12 — Is NIL Widening the Gap Between Schools?

00:10:43 — NIL, the Transfer Portal & College Free Agency

00:17:04 — Should the Government Regulate NIL?

00:27:07 — Will NIL Save or Destroy College Sports?

NEWSLETTER (WHAT NOW): https://substack.com/@9icapital?r=2eig6s&utm_campaign=profile&utm_medium=profile-page

Follow Us: youtube: / @9icap

Linkedin: / kevin-thompson-ricp%c2%ae-cfp%c2%ae-74964428

facebook: / mlb2cfp

Buy MLB2CFP Here: https://www.amazon.com/MLB-CFP%C2%AE-90-Feet-Counting-ebook/dp/B0BLJPYNS4

Website: http://www.9icapitalgroup.com

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Corrections: Editing by http://SwoleNerdProductions.com

Disclosure: https://sites.google.com/view/9idisclosure/disclosure