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Speaker 1: Welcome to another edition of the Checks on the Right podcast.

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We are here with Zach Our BFF from Bulwark Capital Management.

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You're like the head honcho over there. You're the big guy,

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You're the end all be all. You're the guy that

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I look to for all my financial advice. You know what,

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this is a really cool topic. I love talking about

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this kind of stuff because it's not just about like finances,

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it's about parenting. It's about how to deal with kids

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as they grow up and how to navigate all of

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that with your kids and money. And it's sticky, right,

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because we want to help our kids out. We want

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to make sure that we're doing the right things as parents.

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We want to, you know, make sure that we're guiding

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them in the right ways. But there was an article

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that came out in Fortune magazine and it was talking

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about how a lot of these gen zs and these

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millennial kids are depending still on their parents for money,

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like a lot of money that I mean, we're talking

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about fifty percent of parents right now are still financially

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supporting their gen Z and their millennial kids.

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Speaker 2: Yeah, that's a lot.

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Speaker 1: And we're talking fifteen hundred bucks a month. That's about

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the average of what they're giving these kids, and that

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that hinders people's retirements, It hinders a lot of things,

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it hinders their lifestyles. And so I was just curious,

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is did you see this a lot in your practice?

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Speaker 3: Not so much in my practice, because.

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Speaker 4: We've got you know, a lot of well a lot

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of your listeners or clients for us, we've got a

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we've got an incredible client base, and most of them

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would not be okay with that, So not as much

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in our practice.

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Speaker 3: But I've seen it in my family. Yeah, I have

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seen it.

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Speaker 4: I have seen it in our business at times where

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I've had to step in and go, you know, and

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tell the client listen. I know that your first reaction

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is going to be this is none of your business,

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but it is. You hired me to look out for you.

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R you save this money for your retirement. Your child

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needs to go out and make their own way. And

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one of the things that that I think that people

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really need to think about. And I had one of

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those moments with my own kids that I was thinking

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about this weekend, but little personal thing for me, and

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and this is true of everyone. When you do that

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and you think you're helping you're not and the reason

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you're not. And I've said this so many times about

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political things, but also with help helping kids out. Don't

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do somebody the disservice of robbing them of necessity, right right,

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Do not rob them of necessity, Do not rob hung hunger,

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do not rob them of sleepless nights. Do not take

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from them what will require their best right because I

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look at it my life.

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Speaker 3: There's no way I would live that. And I love

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my life.

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Speaker 4: I've first of all, I've married my best friend and

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we built a business together, and I do what I

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love with people I respect.

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Speaker 3: You can't. You can't get any better than that, Right's.

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Speaker 2: Yeah.

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Speaker 3: Absolutely.

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Speaker 4: I wake up every day and the first thing I

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do in my morning devotions is praise God and thank

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Him for the incredible life given me.

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Speaker 2: As you should.

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Speaker 4: Yeah, but it wouldn't have happened had I not gone

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through some really hard, really tough times and there was

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nobody but my wife and God.

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Speaker 3: That was it.

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Speaker 4: And and I look back on it and it's the

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thing that I am outside of my marriage and my children.

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It is the thing that I am the most proud of.

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Because you you didn't know, you say, I cannot tell

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you how many sleepless nights and how much stress. And

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I remember having to get out of bed because I

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just start sweating and what you know, the sheets and

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get wet and all that.

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Speaker 3: And is it fun. No, it's miserable, but it's wonderful

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you find out. And I and I and I say

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this adage.

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Speaker 4: I tell people, I go, if you want to know

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what you're capable of, you will not unless until your

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back is against.

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Speaker 1: The wall, until you go through hard times. Yeah, and

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when it comes to that. We have two millennial kids,

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and then we have a fifteen year old, We have

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a thirty five, a thirty.

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Speaker 2: And a fifteen.

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Speaker 1: We have quite the span and the thirty five and

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the thirty year old, when you know, we help them

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with college. That's one thing that we did do. We said, okay,

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part of the deal is we will help pay for

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your college and then you will be debt free. And

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that is a gift like that is ah, that is

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a major gift, Like you're welcome for that. And they've

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been very grateful for that, that wonderful gift that we

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have be sued upon them.

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Speaker 3: Right, you built them a platform, Right.

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Speaker 4: You built them a platform and then you go, okay, buddy,

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we've we've gotten you.

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Speaker 3: We've built you way higher than the average kid.

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Speaker 2: Time to jump.

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Speaker 3: You got to build it.

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Speaker 2: Yeah, now it's time to jump.

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Speaker 1: And then we said, here's the expectation for the two

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older kids was when we pay for when we helped

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pay for college, after you're done with college, and really

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when you're eighteen, because during college, we didn't pay for

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anything else but college. They had to have skin in

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the game for everything else. But you know, once they

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got out of college, you're not coming back here. We

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love you, we love you more than anything, but by

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you're not coming back here. And I mean, I don't

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care what your degree is in.

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Speaker 2: I don't care.

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Speaker 1: You got to find yourself a job and a place

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to live because you are not coming back here. And

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with the oldest, it was tough because she had an

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anthropology degree and there were a lot of tears and

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they were and she was used to a way of.

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Speaker 2: Living, Zach.

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Speaker 3: Yeah, and it's.

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Speaker 1: Hard for some of these kids, you know. So I

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remember the tears, I remember, you know, some of the

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pain that she went through. I remember, you know, the

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ram and noodles time, and I remember the phone calls.

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I remember her, you know, us being in Indiana and

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her having to go to Texas to get a job

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because it's the only place she could get a job.

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She didn't know anybody, and we were like, sorry, you're

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not living here, and you know what, but everything worked

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out for her. She ended up meeting her husband, having

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a beautiful child, she has a beautiful life. Now, she

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has a fantastic job. And it goes back to what

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you said, it's those hard times really molded her into

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the one woman that she is today.

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Speaker 2: I truly believe that.

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Speaker 3: Yeah, yeah, I was thinking. I was thinking about it

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this weekend.

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Speaker 4: I was outside playing with my boys, and I had

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a wonderful, idyllic childhood.

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Speaker 3: My children have got even a much more. When I

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say idyllic, we're very middle class.

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Speaker 4: I was lucky enough to go to private school, but

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that was a huge, huge give in my home. We

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were not affluent by any stretch of the imagination, never

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wanted for anything. My parents provided a family vacations, but

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very middle class. And my children have grown up further

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up on the on the economic spectrum. And one of

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the things that my wife and I talk about a

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lot is even in just little things, even in just

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buying them a video game, right, like I gave in

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my son wanted this new baseball game goes out and

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oh new video game, and I was like, yeah, you

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got to do some chores or whatever. Well i've forgotten

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the video video When you says to a video game.

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Speaker 1: Now it's like ninety bucks, right, yeah, I know.

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Speaker 4: I realized after and I was like, okay, so we

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built out a schedule and I was like, look, you

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don't have to clean my car once.

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Speaker 3: You got to clean it for a month to pay

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this thing.

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Speaker 4: And some of it is really inconvenient, you know, because

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meaning there's a lot of things my wife and I've

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dealt with where I'm like, well, we can just pay

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for that.

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Speaker 3: I don't want to have to follow up on the kids.

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Speaker 4: I don't want to have to do and you're like,

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I can't. I can't make it too easy for them.

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Because there were a lot of things that I had

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to do because my family didn't we didn't have a

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yard service. I was I, well we had one, but

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I was it right it yeah, And so there are

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these things where you're like, I don't want to make

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it too easy on them, and I think I don't

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want to be a self indulgent parent, meaning when I'm

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doing that, I am doing it because it makes me

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feel good, not because it's good for.

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Speaker 3: The kid, right, And are they going to scream? Are

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they going to kick? Are they going to cry?

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Speaker 4: The other thing you and I were talking offline is

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you take some risk as a parent when you do that.

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Speaker 3: Too, right.

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Speaker 4: Yeah, Like my dream is for as many of my

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kids as want to to come work for me. Yeah,

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Yet at the same time, we have a strict rule

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that we're going to follow, which is you can work

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for us, but you got to go work somewhere else

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for three years. And it makes me nervous because I

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don't want them to get stuck somewhere else. I don't

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want them to move halfway across the country. But at

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the same time, I can't stand in the way of

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them getting you know, them growing and developing and finding

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out who they are.

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Speaker 3: Maybe their future is with me, maybe it's somewhere else.

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You know.

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Speaker 1: It's theory though, and maybe it's just because it's been

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our experience with the older two. I feel like the

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more that you hold on to your kids and try

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to control them, the more they want to go. The

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more that you say, go be free, experience things, travel,

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go live on your own and do your things, and

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be independent and experience life and just be All we

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want is for you to be happy and go live

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your best lives.

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Speaker 2: Right.

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Speaker 1: The more you do that and you support them to

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be their own individuals and you support them being out there,

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the more they want to come home and be with you.

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Speaker 3: Yeah.

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Speaker 1: So I think you doing that just by you telling

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them go out there and experience the things with other

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people and other things and other entities and other companies,

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they'll want to come work with you.

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Speaker 2: I just think that human nature.

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Speaker 3: I hope so.

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Speaker 4: And then but even along that line, right, like you know,

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like I said, I'm so proud of what we've been

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able to accomplish thus far, and I don't want to

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rob that experience from them, right right, you know, So

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what I love for them to work with me. Yes,

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and that could be a different like there's pluses and

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minuses to everything, but yeah, doing it in a way

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where I just I it's also my pushback politically, and

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it's one of the reasons that I mean, I think

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we all know this, but it's one of the reasons

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that socialism and welfare systems never end poverty. They perpetually

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because giving things is you are you are making you

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are making the bottom comfortable, right, and.

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Speaker 3: It shouldn't be it should be cold, it should be damp,

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and it should be hard, because that's what incentivizes you

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to get your tail off the floor and get to

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it right, right if it's.

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Speaker 1: And that's what people grow. That is where growth occurs

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is in those uncomfortable places. That's where people develop faith.

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Speaker 2: You know.

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Speaker 1: That's if you ask somebody about their faith, they're going

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to be like, I didn't get my I mean really,

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if you think about it, like probably the most interesting

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faith stories are from the people who have been in

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really terrible places, you know.

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Speaker 2: What I mean? Oh yeah, and yeah, the rock bottom stories, right, yeah.

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Speaker 4: And and and it's always that, right, It's it's the

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uncomfor it's not being happy with the status, saying I

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can't take it anymore.

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Speaker 3: I will run through any wall.

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Speaker 4: And you only get to that point after you've taken

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some punishment. And it just necessity is the mother of invention,

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and you've robbed people of that necessity. It's it really

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is a disservice.

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Speaker 2: And yeah, it's just.

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Speaker 1: It's it's it's really is that tough love just doesn't

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exist as much anymore, and it needs to exist more.

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And so I just thought that that was an interesting article,

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that Fortune magazine article.

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Speaker 2: Thing that's so fifth. I mean, half of parents are

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doing it now.

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Speaker 4: So and remember it's higher than that, right, because you're

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going to get a lot of yeah, because everybody is

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going to be proud to tell you that they're not

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helping out their kids, That's true. Many aren't going to

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say they are when they when they are, you know

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what I mean.

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Speaker 1: And they may not be living at home. They may

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just be giving them money to live at an apartment

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or something like that. It's a very good point. It's

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a good point. So where can people find you if

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they want to get the best financial advice on the planet,

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Where can they find you?

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Speaker 2: Exact tell them all things about you?

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Speaker 3: Certainly trying.

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Speaker 4: Yeah, so so Borwarcapitalmanagement dot com is probably the easiest.

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We do our daily show, the daily dots uh and

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then are a longer weekly show. But yeah, Buwardcapitalmanagement dot com.

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Know your Risk Radio dot com. You can just google

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Bullwark Capital or know your Risk Radio.

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Speaker 2: And your podcast too.

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Speaker 3: Yeah, and the podcast your.

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Speaker 1: Podcast, and then you've got you've got the monthly things

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that happen too, don't you.

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Speaker 3: Yeah, we do.

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Speaker 4: We do our webinars and roadshows, which is it's a

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way for your listeners and we're on several other different

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shows and stations and it's a way for them to

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get a non committal forty five minute summation via over zoom. Okay,

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here's what we do, here's how we do it, here's

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what makes us different, here's what it costs. And it

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gives you just a primera of us, right, and so

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if you want to go forward from there, we'll talk

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to you and I want to do with you one

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on one and yeah, there's no obligation, no.

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Speaker 3: Cost, and yeah, we're easy to find.

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Speaker 4: And if you want to sign up for one of

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those webinars, go to Bordcapitalmanagement dot com and sign up

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on our website.

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Speaker 2: Fantastic, Thank you so much.

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Speaker 3: Always fun. Thank you. Reservices offered through Trek Financial loc

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and SEC registered investment advisor.

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Speaker 4: The opinions expressed in this programmer for general informational purposes only,

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and are not intended to provide specific advice or recommendations

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for any individual or on any specific security. Any references

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to performance of security so it thought to be materially accurate,

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and actual performance may different.

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Speaker 1: Investments involved risk and or not guaranteed.

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Speaker 3: Past performance doesn't guarantee future results Teck, twenty fourth three

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zero