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<v Speaker 1>Welcome to another edition of Checks on the Right podcast.

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<v Speaker 1>We are here with our BFF, our financial BFF and

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<v Speaker 1>BFF Zach from Bulwark Capital. We're talking about gen X

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<v Speaker 1>being the forgotten generation in every single way. So there's

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<v Speaker 1>a new article from the Economist and they suggest that

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<v Speaker 1>gen X those born between nineteen sixty five and nineteen eighty.

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<v Speaker 1>I am one of those, and I feel like you're

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<v Speaker 1>considered one of those. You're eighty two, right. They say

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<v Speaker 1>that we might be the most overlooked and most stressed generation.

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<v Speaker 1>So boomers complain. I feel like, I'm not really not

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<v Speaker 1>that stressed, but boomers complain about retirement, Millennials complain about

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<v Speaker 1>housing and costs of stuff. Gen Z complain about everything right,

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<v Speaker 1>and then gen X is kind of in the background,

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<v Speaker 1>and we're struggling because apparently during our midlife when we

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<v Speaker 1>were supposed to be having our midlife crisis, and I

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<v Speaker 1>can attest to this, this is when the bad stock

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<v Speaker 1>markets hit, there was weak job growth. It was harder

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<v Speaker 1>and harder for us to build wealth. We're stuck in

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<v Speaker 1>that sandwich generation where we're caring for both kids and

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<v Speaker 1>aging parents and is social security going to run out?

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<v Speaker 1>So let's talk about some stereotypes of the different generations,

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<v Speaker 1>like money myths about each, whether gen X is unfairly

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<v Speaker 1>ignored in some of these finance discussions. But first of all,

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<v Speaker 1>I want to know, like just having your practice for

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<v Speaker 1>as long as you have, when it comes to the

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<v Speaker 1>different generations, do you see different saving methodologies with different generations?

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<v Speaker 1>Do you see a difference in the generation? Yeah?

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<v Speaker 2>Huge, really yeah, it's and it's and it's and it's

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<v Speaker 2>really it's really interesting to me because it does not

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<v Speaker 2>follow the typical arc that I think people would guess at. So,

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<v Speaker 2>for instance, you know, and you talk about our certain generations,

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<v Speaker 2>is gen X getting ignored? I hadn't really thought about

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<v Speaker 2>in those terms, But when you put it like that,

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<v Speaker 2>like to think to myself, it probably.

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<v Speaker 1>Is like jan from the Brady Bunch.

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<v Speaker 2>Yeah, Marsha Marshall, Martia the middle child, right yeah, right yeah. So,

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<v Speaker 2>And here's why I say it. Everybody talks about Gen

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<v Speaker 2>Z and millennials being despondent, not having hope in the future,

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<v Speaker 2>having more of a cynical outlook, which typically right, cynicism, skepticism,

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<v Speaker 2>all of those things are typically hallmarks of older folks, Right,

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<v Speaker 2>you would usually think that there now, and there's all

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<v Speaker 2>kinds of reasons that would back that up. We could

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<v Speaker 2>point to that and be like, you know, home prices,

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<v Speaker 2>all the things that we realize. What is interesting to me, though,

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<v Speaker 2>is that Gen X by and large seems to be

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<v Speaker 2>much more skeptical than the Baby boomers. Yeah, there is

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<v Speaker 2>much more of a jaundiced eye around Generation X.

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<v Speaker 1>Ok.

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<v Speaker 2>And I think a lot of it has to do

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<v Speaker 2>with what you just said, meaning there were so many

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<v Speaker 2>Baby Boomers that OAIGHTO nine was not fun for and

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<v Speaker 2>was not pleasant for, but a lot of them, and

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<v Speaker 2>think about in your own personal lives, A lot of

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<v Speaker 2>them were established enough to where their life didn't fundamentally change.

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<v Speaker 2>Right when you look at Gen xers, I don't think it.

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<v Speaker 2>I don't think it's hard to argue that we were

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<v Speaker 2>by far the most impacted by O EITO nine totally Yeah, right,

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<v Speaker 2>because you're earlier in your career, which by definition, you know,

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<v Speaker 2>you look at corporate America, you know tenure equal security,

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<v Speaker 2>meaning if you want to know who's going to get

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<v Speaker 2>thrown overboard first, it's the people with the least amount

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<v Speaker 2>of seniors. Totally right, You're also least likely to get hired.

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<v Speaker 2>How do I know that? Try being a twenty six,

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<v Speaker 2>twenty seven year old in the middle of the financial crisis,

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<v Speaker 2>just starting out in the financial industry and calling people

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<v Speaker 2>when the SMP is down sixty percent over the previous

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<v Speaker 2>eight months, and asking them to trust you with their money.

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<v Speaker 2>And then they ask you how long you've been in

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<v Speaker 2>business and you say six months? Right, as you can imagine,

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<v Speaker 2>that was kind of a tough sell, little bit, right,

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<v Speaker 2>just a little bit, a little bit. And so once

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<v Speaker 2>again you kind of look at this dynamic where gen

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<v Speaker 2>X had virtually nothing to do with what ca I mean,

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<v Speaker 2>if you look at the housing crisis, that was truly

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<v Speaker 2>a baby boomer generation moment, meaning the legislation that enabled

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<v Speaker 2>that was in the late nineties passed by baby boomers.

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<v Speaker 1>Right, you never hear you all. I mean, you will

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<v Speaker 1>not hear the end of it from gen Z s too,

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<v Speaker 1>because they will constantly blame boomers for all of that,

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<v Speaker 1>and they'll be like, we can't afford housing because of

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<v Speaker 1>the boomers. Sometimes they lump us in with it too.

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<v Speaker 1>Gen xers are to blame for that too, like they

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<v Speaker 1>have it so easy, we have it so hard. But

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<v Speaker 1>do you really think that. I mean, granted, yes, I

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<v Speaker 1>will put some blame on them, But at the same time,

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<v Speaker 1>I do think that our generation and the generation before us,

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<v Speaker 1>you know, we didn't have we didn't live in laps

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<v Speaker 1>of luxury and expect a lot of things that I

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<v Speaker 1>think this new generation does. So there's it's it's more

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<v Speaker 1>than just one aspect that we're dealing with, you know

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<v Speaker 1>what I mean, It's an onion. I feel like it's

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<v Speaker 1>not just one thing. Like a lot of these kids

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<v Speaker 1>are used to so many wonderful things, and they're not

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<v Speaker 1>willing to give up the wonderful things. They're not willing

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<v Speaker 1>to live with five roommates and have ram and noodles

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<v Speaker 1>every night. You see what I'm saying.

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<v Speaker 2>Yeah, well, yes, there is no question about that, you know.

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<v Speaker 2>And I even deal to be fair, I deal with

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<v Speaker 2>that issue with my own kids, and my wife and

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<v Speaker 2>I talk about all the time. One of our biggest

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<v Speaker 2>concerns is are there enough struggles? Are there enough obstacles?

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<v Speaker 1>Right?

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<v Speaker 2>Because I grew up with an I grew up in

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<v Speaker 2>an idyllic setting as a kid. At the same time,

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<v Speaker 2>there were so many things that we were responsible for. Yeah,

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<v Speaker 2>the kids today just aren't, you know. And what I

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<v Speaker 2>mean by that is, let me give you a really

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<v Speaker 2>small example. You want to play with your friend, so

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<v Speaker 2>you got to go outside, jump on your bike, ride

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<v Speaker 2>down the street, and go knock on his door and

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<v Speaker 2>see if he's there. Totally just even something like that.

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<v Speaker 1>Totally yes.

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<v Speaker 2>And the reason you have to do that is because

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<v Speaker 2>you tried calling him, but the phone's busy. Right somewhere,

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<v Speaker 2>millennials are going homes.

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<v Speaker 1>What are you was talking about? Yeah? I mean I

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<v Speaker 1>always telling my daughter we were raised on hose water

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<v Speaker 1>and neglect. Okay, we totally loved it. We were so autonomous.

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<v Speaker 1>Our parents had no idea where we were until we

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<v Speaker 1>had to come in for dinner. And we were just

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<v Speaker 1>hungry and dirty, you know, ye, hungry, dirty.

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<v Speaker 2>To live and slept like babies, right right, yeah, And

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<v Speaker 2>it was that and that was a shared experience, right.

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<v Speaker 2>And you look at it today and you don't see

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<v Speaker 2>kids outside no, right, Like it's it really is it

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<v Speaker 2>really want.

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<v Speaker 1>My kids outside because it's not a safe you know.

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<v Speaker 1>So there again, it's like a double edged sword, right.

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<v Speaker 2>It really is. And then on the then, like I said,

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<v Speaker 2>then you get to the younger generation too, and you

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<v Speaker 2>don't ever want to tell somebody not to aim so high.

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<v Speaker 2>But it's not because it's materialistic. But I want to

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<v Speaker 2>look at him and go listen, guys, let me just

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<v Speaker 2>let me just tell you something right now. I'm not

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<v Speaker 2>telling you to lower your sights. But if you think

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<v Speaker 2>that getting a job and quote unquote being successful involves

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<v Speaker 2>high six or low seven figures income incomes and Lamborghinis

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<v Speaker 2>like you've been lied to, I'm not saying it's impossible.

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<v Speaker 2>But what I'm saying is that is a very bizarre outcome. Okay,

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<v Speaker 2>the vast majority of people that you think are having

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<v Speaker 2>that outcome, it is a total ruse and is a

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<v Speaker 2>total fake. And you can just look at the stats,

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<v Speaker 2>right if if you know in the state of Washington,

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<v Speaker 2>which is higher up the deal, you know, I think

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<v Speaker 2>I think the cutoff line for top one percent is

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<v Speaker 2>five hundred and thirty thousand dollars. Okay, Well, five hundred

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<v Speaker 2>and thirty one thousand dollars doesn't pay for two hundred

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<v Speaker 2>and fifty to three hundred and fifty thousand dollars cars

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<v Speaker 2>and four million dollar houses, right, It just not even that.

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<v Speaker 2>And five hundred and thirty thousand dollars is an unbelievable

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<v Speaker 2>amount of money to make for year.

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<v Speaker 1>Right, Absolutely agreed.

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<v Speaker 2>But these kids have just these incredibly unrealistic expectations they do.

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<v Speaker 1>It's very inflated.

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<v Speaker 2>Yeah, and I think that that is as big a danger,

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<v Speaker 2>if not a bigger danger than reality on the ground.

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<v Speaker 1>Yeah.

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<v Speaker 2>Right. And what I mean by that is if you

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<v Speaker 2>don't have expectations in terms of and when I say expectations,

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<v Speaker 2>I had really high expectations of myself, but they were

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<v Speaker 2>based around what I believed I was capable of and

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<v Speaker 2>more importantly, what I was prepared to do for it, right,

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<v Speaker 2>Meaning I had high expectations of myself because I was

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<v Speaker 2>going into my job thinking, no one will outwork me.

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<v Speaker 2>Now did people outwork I'm sure there are people that

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<v Speaker 2>outworked me, but it was kind of that athlete mentality, right,

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<v Speaker 2>I'm going to go after this hard. It was not, Oh,

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<v Speaker 2>I'm entitled to that, that's just part of the game.

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<v Speaker 2>I'm going to get that because I'm great, and that's

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<v Speaker 2>what I'm gonnachieve.

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<v Speaker 1>I got a four year degree, so I get a

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<v Speaker 1>corner office in a BMW's.

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<v Speaker 2>That works.

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<v Speaker 1>That's not how it works.

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<v Speaker 2>No, it it just doesn't. It just doesn't work that way.

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<v Speaker 2>And the thing that you want to get across to

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<v Speaker 2>them is you want to say, hey, I didn't say

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<v Speaker 2>it was impossible, but it will be achieved by doing

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<v Speaker 2>nothing that you think will achieve it, Meaning you need

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<v Speaker 2>to become blind to everything else. You need to work

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<v Speaker 2>like a dog. You need to you know, like, if

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<v Speaker 2>you think it's going to get done five days a

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<v Speaker 2>week for forty hours a week, you're lying to yourself, right, actually,

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<v Speaker 2>you know. And you try to tell people like, hey, guys,

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<v Speaker 2>light you can't cheat life, Hey, you can't cheat life.

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<v Speaker 2>When you get eight billion people on the planet, there

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<v Speaker 2>will be some people that just fall out of bed

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<v Speaker 2>into a great thing and they take us all off. Okay,

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<v Speaker 2>but that is not a replicatable journey, right, you can't

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<v Speaker 2>do it that way. So and I teach my little

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<v Speaker 2>football team this, guys, you will get out what you

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<v Speaker 2>put into it. Period. So if you're not busting your

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<v Speaker 2>tail and you're not willing to push sixty seventy and

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<v Speaker 2>sometimes eighty hour work weeks, do not cry to me

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<v Speaker 2>about the fact that you're not getting the desired outcomes

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<v Speaker 2>and just meaning you will get out eventually. It will

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<v Speaker 2>be very similar to the effort and the resources that

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<v Speaker 2>you put in right, and it usually takes a lot

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<v Speaker 2>longer putting in than to get out right. Usually there's

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<v Speaker 2>a delay there.

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<v Speaker 1>Yeah.

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<v Speaker 2>Eventually, yep, eventually you will get an ROI.

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<v Speaker 1>Yeah, but it's going to take a while. I agree completely.

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<v Speaker 1>Sometimes you have take zero paycheck to do it. Mack

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<v Speaker 1>and I did that for like four years. We did

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<v Speaker 1>that without question. A lot of people who are entrepreneurs

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<v Speaker 1>understand that. I think most people who are entrepreneurs understand that, Zach.

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<v Speaker 1>How can people find you? Tell them all about how

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<v Speaker 1>awesome you are because you're awesome.

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<v Speaker 2>Well, I can tell you how easy we are to find.

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<v Speaker 2>So go to Bowordcapitalmanagement dot com or Know your riskpodcast

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<v Speaker 2>dot com. You can sign up there or subscribe to

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<v Speaker 2>our podcast. We do it once a day. It's about

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<v Speaker 2>twenty five to thirty five minutes, go over everything that

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<v Speaker 2>matters in the world of finance or any politics related

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<v Speaker 2>to finance or investing. And then just today did about

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<v Speaker 2>an hour long interview with a buddy of mine that

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<v Speaker 2>just put out a book about Warren Buffett put out

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<v Speaker 2>interviews with specialists and folks in the industry about once

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<v Speaker 2>a week. And yeah, between those you can find out

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<v Speaker 2>everything to know about Boward Capital Management and hopefully you'll

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<v Speaker 2>become a client and you know, we can all do

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<v Speaker 2>a'll make a lot of money together, hopefully.

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<v Speaker 1>Yeah, skater around the social security all that.

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<v Speaker 2>Well, there you go and take advantage is so many

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<v Speaker 2>of these other things right like that in these era

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<v Speaker 2>of governments running out of money, there's also all these

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<v Speaker 2>wonderful investments that can protect you from it and graving

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<v Speaker 2>a heck of a year. And hopefully we can tell

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<v Speaker 2>you why.

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<v Speaker 1>Yes, thank you, Zach, appreciate you.

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<v Speaker 2>Thank you. Investment Advisory Services offered your Trek Financial LC

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<v Speaker 2>and SEC Registered Investment advisor. The opinions expressed in this

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<v Speaker 2>pro grammar for general informational purposes only, and are not

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<v Speaker 2>intended to provide specific advice or recommendations for any individual

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<v Speaker 2>or on any specific security. Any references to performance of

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<v Speaker 2>securities so are thought to be materially accurate, and actual

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<v Speaker 2>performance may differ investments involved risk and are not guaranteed.

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<v Speaker 2>Past performance doesn't guarantee future results. Track twenty four three

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<v Speaker 2>zero eight