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Speaker 1: Welcome to another episode of the Chicks on the Right

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podcast where we talk to our friend and sponsor of

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the show, Zach Abraham from Bulwark Capital Management. We have

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the cutest story.

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Speaker 2: It is so cute.

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Speaker 1: Oh my gosh, horrible, it's so cute. So there's I

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don't know if you've seen it, there's like this viral

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story going around about a ninety two year old precious

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man in North Carolina who locally he's known as mister Gill.

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And at ninety two, he decided, I'm bored in retirement,

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so I'm just gonna go get me a job, and

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he went to his local Chick fil A got a

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job at the Chick fil A. He has been working

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full time Monday through Friday for six years. I love

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him and everybody loves him. Everybody loves him. He's like

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officially like a you know, he mops the floors and like,

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you know, he's just this precious little angel of a man.

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But he says that his real purpose is like helping

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customers feel good if they're going through some troubles. He

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you know, he offers them encouragement and so on, and

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so he's become just so everyone has fallen so hard

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in love with him that when he missed a few

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days for like having a cold, everybody's like, oh my god,

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what's going on? Anyway, So the question for you, zac

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as it pertains to retirement and finances and all that

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kind of thing, because I don't think he needs the money.

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He just needs the sense of purpose. And so how

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often do you see that happening in your practice where

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you've got people who are like in their eighties, even

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who are like, I got to go to work.

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Speaker 3: Yeah, you know, way more often you'd think, And it

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it kind of drives home a message that did I've

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even you know, I even talk to my kids about this,

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which is we live in a world that's telling us

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to check all these boxes, right. We live in a

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world that's telling us if we do this, this will

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make us happy.

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Speaker 2: We do this, this make us happy.

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Speaker 3: But you know, and you guys are a perfect example

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of this. What really makes you happy is when you

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find your purpose right, like the what you're what you were.

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Speaker 2: Put here to do.

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Speaker 3: And and then sometimes maybe it's not like your ultimate purpose,

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but it's something that gives you purpose, right, and you

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can't you there is no amount of money.

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Speaker 2: That will, that will fill in that need to do that.

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Speaker 3: If you want to know why really wealthy people get

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hooked on drugs and become alcoholics stuff like that, it's

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because they have got no purpose, right, They've got no mission.

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Speaker 2: There's no reason to get up.

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Speaker 3: And more importantly, I will say when people when when

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I watch people retire, one of the biggest concerns I have,

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and one of the things we talked to all of

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our clients about is figure out some purpose, right, because

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what you see happen all too often, and thank goodness,

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we haven't seen it happen to our clients a lot.

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But you see people retire and they're dead within three

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to six months.

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Speaker 4: Totally, Oh my gosh.

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Speaker 2: You see it all the time.

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Speaker 4: Or they check out mentally, you know, because it's like

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they stop, they stop doing things, they stop having that purpose,

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and then they just like mentally decline, physically decline, they

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become sedentary, I mean, and so everything in every aspect.

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Speaker 2: Of their life. I totally agree.

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Speaker 1: I'm at risk of this, I think because like I

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could tell, I am so good at lounging and like

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being lazy.

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Speaker 4: And I'm the opposite. I'm the antithesis of that, like

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I know that if I've always told Mac, I'm like,

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if you ever decide you don't want to do this anymore,

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because we I'm like, I'm going to do this as

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long as I can do it, as long as they say,

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until somebody says she looks like the cryptkeeper, make her

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go for my scream, you know what I mean. I'll

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do what we do. But the thing is is that

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even after we stop, I won't stop. I've told my

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husband I'll keep I'll do something. I'll go teach or

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do something, because I just know that I'll be like

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that ninety two year old dude. I just I think

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I have to work. I just like I like to work.

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It's always given me a sense of purpose to get

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up in the morning. I just I cannot. I won't stop.

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I don't think i'll stop because and I've thought what

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happens to people when they do, not saying it will

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happen to you, Mary, and not saying it will happen

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to anybody that we love or that's in our inner circle.

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But I have seen people tangentially in my life who

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do stop, and things do decline, and I don't want

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that to happen either.

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Speaker 2: In addition, no, the work, yeah, yeah no. And I'm

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with you.

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Speaker 3: So I love lounging and taking a break, but I

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can do it for about a week, right, and then

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after a week I just start getting squirrely and I

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got to I just got to get back to the

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grind in some way, shape or form. And it's one

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of the reasons that I love what I do. Meaning

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we were joking around not that long ago, and a

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couple of guys were like.

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Speaker 2: Yeah, you know, how long are you gonna keep this?

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You're gonna sell it?

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Speaker 3: And I was like, guys, I'm going to be walking

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into the office when I'm eighty five and I barely

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know what's going on, and I annoying.

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Speaker 2: I'm going to the office.

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Speaker 3: I want the heck out of our analysts because they're

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gonna be like, oh, the old man's in here again,

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you know. But yeah, I'm planning on. I don't luckily

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what I do for a living. I don't, you know,

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it's pretty easy to not you know what I mean,

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It's an easy job to not quit quit doing right right.

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Speaker 2: It's not like I need a good back to pick stocks.

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Speaker 3: But no, I've said before I'll never retire fully not,

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you know, I'm sure i'll work less when i'm eighty, hopefully,

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but but yeah, no, it's just people give up their

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people give up their purpose too willingly. And I just

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I think that we always, as human beings, overrate what

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we don't have and underrate what we do. And I

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just cannot tell you how many times I've seen it

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in retirement where three months in, six months in they're

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walking around going, this is not what I thought it

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would be, right, Like I don't have anything to do,

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I'm bored, I don't feel I don't feel useful. And

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then I look at the clients of ours that do

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have something. Maybe that's spending tons of time with the grandkids.

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Maybe that's going to all the grand kids' sporting events,

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maybe that's helping out a local youth program or something.

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All of the ones that do that stuff, they're loving life.

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They're having a blast. They love retirement. It's the ones

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that stop and like, you know that are like I'm

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going to sleep untill ten every day, Like those ones

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where it and I'm not looking down them.

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Speaker 2: They've earned the right to do that.

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Speaker 3: They're retiredly crying out loud but we keep our fingers

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crossed because we're like this, it doesn't end well, it

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doesn't end well. You got to you got to keep

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running your race.

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Speaker 2: You know.

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Speaker 1: Yeah? Is there something that people ought to know? You know,

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folks that, for example, are going to be reliant on

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Social Security to some extent, assuming that it continues to exist.

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Is there like, what's the rule about like how much

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you're allowed to.

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Speaker 2: Make versus you know what I mean?

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Speaker 1: Before? Isn't there something, yeah, like before you risk losing

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your Social Security? What's the deal with that?

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Speaker 2: I believe I believe that. I believe that that numbers

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moved around.

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Speaker 3: I believe that cut off number is now like one

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hundred and eighty four thousand dollars where you'll still get

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you still get your solid security benefits, but out of

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it they start taking more out for medicare, you start

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getting hit for other things.

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Speaker 1: Right.

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Speaker 2: So that's one of the things that we do with

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our clients.

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Speaker 3: Is when we're when we're doing income planning for retirement,

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right when it's time for them to start taking money out,

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you're playing this game of going, Okay, we're going to

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do this this year. We'll pull the money from over here.

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Because it doesn't count as earned income. Therefore you're not

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going to hit that one hundred and eighty four thousand

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dollars mark, and we're not going to see that reduction

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and benefits. But a lot of that stuff, these are

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the things that kind of go into retirement planning that

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a lot of people don't think about, right, and you

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know it, And it's not like we're trying to build

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the system, but we've all paid into the system. And

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I feel like my job is to extract as much

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from that system as is legally possible for my clients because.

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Speaker 2: They eat in and for sure, the bottom.

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Speaker 3: Line is right, Well, the other side of it is

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the vast majority of us will pay in far more

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than we will take out, like unfortunately the majority of us.

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Speaker 2: There's there's obvious exceptions, but yeah, I mean, if.

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Speaker 3: You're if you're an earner of one hundred and fifty

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thousand or more per year for the better part of

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twenty years of your career, you're going to pay into

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more into Social Security than you're going to take out

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for sure, And so our job is to help right

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maximize that number, keep the tax implications as low as possible.

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Speaker 2: And another one too.

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Speaker 3: I will tell that this is I'm just kind of

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throwing this in there as an addendum. But wroth conversions, right,

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they've become a really hot topic. What I've started realizing

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is that they've become a form of marketing, meaning people

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are talking about roth conversions. I've had a couple of

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people pull it with our clients, like saying, oh, the

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people that you're working with are letting you down because

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you haven't wroth converted. Okay, here's the deal in the

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roth conversions another important part of income planning in retirement.

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A lot of people, I would say the majority of

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people could benefit from roth conversions. And what that is

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is where we move money from a traditional eye right

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into a roth account and at that time you pay

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taxes on that money, but you'll never pay taxes on

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it again. Right, So, no matter what you make in

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the wroth account, you'll never pay taxes again. Okay, but

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here's the catch. Typically you want to start doing those

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roth conversions after you retire, and it takes some planning.

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But the reason you want to do that is because,

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like if I started taking roth conversions right now, I'd

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pay thirty eight percent, Right, that's the upper tax i'd pay.

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But if I know that I'm gonna quit working three

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years from now, right, I know that my effective tax

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rates gonn drop becau I'm gonn quit making income. So

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that's when we should do the roth conversions because then

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we can roth convert at like a twenty to twenty

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two percent taxable rate, right, and so now that's like

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cap gains, right, But now we're gonna get all that

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money over into the WROTH and you'll never pay taxes

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on it again. So anyway, part of that income planning

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is a roth conversion. But do not let people think

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that roth conversions are a panacea or they fix everything.

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You should You shouldn't do them when you're earning your

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maximum income in most cases, right. But yeah, another that

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it can be a very you know. For instance, let's

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say we have a situation where you're three quarters of

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the way end of the year, and that that one

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hundred and eighty three thousand dollars earned income level that

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if you hit that in a year, you're going to

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pay excess Medicare taxes and expenses for the next two years,

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no matter what your income is in that year.

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Speaker 2: It's like a two year penalty period.

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Speaker 3: Right, So let's say all of a sudden, your roof

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fails right in we've scheduled you, so you're going to

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make one hundred and eighty grand. You're going to come

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right in underneath it. But September your roof fails and

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we find out you need new roof and it's going

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to cost thirty grand. Well, if we had to pull

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that out of the IRA, that's taxable income. Now it's

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going to push us above the one eighty three level.

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Now you're going to pay the TEP penalty for two

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more years, right, Whereas if we've brought off converted that money,

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we can pull that money out and it's there's no

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taxable implication.

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Speaker 2: It's just so absurd.

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Speaker 1: See, this is the kind of stuff no one would

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like just know this unless they're in the world of

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finance like you are. This is why they should be

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contacting you. And how can they do that?

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Speaker 3: Yes, they can contact First of all, our podcast every

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day we're covered everything that's going on in the world

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of economics and finance and geopolitics. So Know your Risk

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podcast you just search YouTube for that, and then for

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our advisory services, go to Boworkcapitalmanagement dot com. We've got

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a roadshow coming up this Thursday. Go to Borwordcapital Management

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dot com. You can sign up for its free of charge.

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You find out everything we do, how we do it,

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what we do, and it's about a forty five minute

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deal and you'll.

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Speaker 2: Have a great idea who we are, what.

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Speaker 3: We do, and if you want to talk to us further,

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then you can set up a phone call with me

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or one of my advisors and we'll get you squared away.

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Speaker 2: Perfect, highly recomm act.

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Speaker 4: Thank you, Zan, thank you so much.

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Speaker 2: Thank you, ladies.

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Speaker 3: Investment Advisory services offered through Trek Financial loc n SEC

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registered investment advisor. The opinions expressed in this programmer for

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general informational purpose is only, and are not intended to

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provide specific advice or recommendations for any individual or on

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any specific security. Any references to performance of security sore

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thought to be materially accurate, and actual performance may different.

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Speaker 2: Investments involve risk and are not guaranteed. Past performance doesn't

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guarantee future results. Track twenty four three zero eight