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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 Bulwart Capital Management. And Zach,

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I'm sure you've noticed, because we have two We've actually

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talked about this on other podcasts, that there's this whole

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trad wife new movement. There's this new recognition that a

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lot of people would love to revert back to mad

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Men era where it's a guy going out and earning

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a living and the wife stays home and with the kids,

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And a lot of people now are looking at that

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as the revised American dream instead of the whole dual

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income family. So what do you make of this revival

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of this new of this way of living? And how

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as a financial planner would you tell people in this

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economy that it's doable? Like what can they do to

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make it doable?

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Speaker 2: Yeah, so I was telling you guys a soft screen.

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I have an interesting perspective. So first of all, I

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want to be careful when I'm talking about this. I

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know not everybody will be able to do this. I

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understand that. I'll just kind of tell you my my walkthrough,

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my original goal, my first professional goal, and My wife

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has an MBA, so she's the smarter of the two

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of us, and but she wasn't her passion growing up.

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She had a scholarship to school for opera singing for college,

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and so that's really cool. Yeah, she's a heck of

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a musician, so her passion. But we were both she

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got an MBA and so we were both working in

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the financial industry. Well, I wanted to manage money since

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I was like seven, right, So I was like Alex P. Keaton.

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People are always joking calling me Alex P. Keaton, you know,

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because I loved Ronald Reagan and I want to talk

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about stocks.

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Speaker 1: So I've got to say that is like you were

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a weird kid. Amazing but also so unusual.

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Speaker 3: We went in friends, we haven't totally been friends.

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Speaker 2: Well, thank god I had some athletic ability, because I've

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always thought like if I didn't, I would have been

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like a complete nerds stuck in the corner, you know. Yeah.

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So but my first goal, and I'll kind of give

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you the I'll kind of give you the genesis of this.

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I did not grow up in a family like this.

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Both my parents were. But my first goal was a

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I knew that I was an industry, in an industry

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where if I did well, we would be able to

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support a single family. But B the other biggest issue

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was I My career was what I always wanted to do, right,

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It wasn't my wife's. And she was the higher earner

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for us in the beginning, and so she spent a

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lot of time doing jaw, a job that she didn't like.

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And my goal was, Okay, if you'll get me through

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the early stages, hopefully by your mid thirties, if not earlier,

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you'll have the choice. You can work if you want to,

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if you're passionate about something, just because it felt unfair, right,

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we both went to work. But I loved what I did.

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She didn't, you know, so I'm pursuing my dreams. She's

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not right. And so the other part of it was this,

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I didn't want our house serving two masters, right, meaning

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if both people are working for a job outside of

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the home, right, for different companies, then by definition, both

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people have to answer to somebody outside of the home right,

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And if only one of us had to A, we

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could actually raise our own kids, which kind of seemed

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like a bonus to me. But B, if if that

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wasn't my wife's passion, then she'd have the space to

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find it, you know what I mean? Yeah, And so

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that was but that those were the kind of the

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biggest goals is I didn't want to have this scenario

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where the other party was selfish, right, like, meaning I

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hated the idea of both of us getting a home

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at six point thirty. That I have so much respect

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for two working spouses. It's so freaking hard, and I

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just tip my cap to them raising kids like I, yeah,

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nothing but respect. I am not speaking down to anybody

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or calling anybody out, but I will say this, I

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don't think I know we've prioritized the wrong things. Okay,

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we've talked about this on the show before. Kay. Malcolm

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Gladwell talked about this in his book. Up to a

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certain point, money does make you more happy. After that point,

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when the basic needs are met, it has incredibly diminishing returns, right,

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and having somebody in your house, having at least one

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of you that does not answer to a voice outside

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of the home, having one of you there with your

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children every single day when they get home, that to me,

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has got an incredible value that may not show up

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in your four one or on your net worth statement.

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But it will show up on your net worth statement,

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I believe years down the road. Yeah, you know what

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I mean, it doesn't.

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Speaker 3: It doesn't have it doesn't actually even have to be traditional.

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Like we're we're older parents, my husband and I. But

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I've noticed even in the past two years since my

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husband has been retired and I'm the one working full time,

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I love it. I love our life right now because

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we still have a daughter that is in school. She's

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a school age kid, and he does a lot of

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the heavy lifting with the not just with her, because

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we both raise her. Obviously I work at home, so

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it's I mean, it is a total blessing or life.

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But when it comes to like driving her and doing

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activities and stuff like that, he does. He pulls most

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of the weight there and it takes a little bit

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of the pressure off me to have to like do

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the driving and stuff like that, so I can enjoy

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the job that Like you said, you love your job,

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I love my job, and he didn't necessarily love his job,

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you know, So it's.

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Speaker 1: One of that.

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Speaker 3: So, I mean, it's not even like a gender thing.

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I think for having one person, You're right, serve that

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master and then the other person not it really I

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kind of I hear what you're saying. It's just like

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for me, it's maybe not traditional, but but I hear that.

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I hear what you're saying.

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Speaker 2: And and and you work a job, both you and

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Miriam work a job. But you guys work for yourselves. Yeah,

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you're still not answering.

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Speaker 1: Very lucky, right, so we are? What do you what

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do you tell people say that you're say that you

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are financially advising maybe a fresh grad and they just

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got their first job, their new their newlyweds, and the say,

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it's the guy just for traditionalchild wife purposes and he

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just got a job making sixty grand, right as they

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want nothing more than to just make that sixty grand

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serve both of them stretch. What do you tell them?

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How do you tell them from a financial perspective, like

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is the only answer that you're just gonna be in

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a it's the bitsy apart, like where what are some

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practical strategies that they can use to make that money

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go as far as it needs to go?

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Speaker 3: Yeah? And where can they sacrifice because you're gonna have

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to sacrifice.

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Speaker 2: Right for sure? Yeah? Yeah, So first of all, this

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might be the most unpopular part of my answer, But

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first of all, I would sit the young man down

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and say, listen, you chose to get married. Hey, are

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you gonna have kids?

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Speaker 1: Yeah?

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Speaker 2: Okay, it's your job to take care of your family, period,

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end of story. And I'm not a perfect person. I'm

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far far from it. But when my wife and I

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made that jump and she quit her job while doing this,

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I was cleaning people's decks to make sure that our

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family could so we could figure it out. Right. So

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I would look at him and go, your if your

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goal is to work forty hours a week and make

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sixty thousand dollars, what are you doing getting married? Right?

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Your job now is to take care of your family

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and your children. Your job is to provide space for

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your wife to pursue her interests. If that means you

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got to work on the weekends. If that means you

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got to push seventy eighty hours a week, which I

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did for ten years, Okay, that's what you got to do.

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But don't sit around. That is your purpose as a man.

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It wasn't to sit at home and to play video

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games and to online bet okay, it was to get

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off your backside and go make space and carve out

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a place for your family. And maybe I'm not saying

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everybody's going to manage money or everybody's going to get rich,

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but everybody can go work their tail off at work.

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They can do some community colleges on the classes on

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the side to increase their ability to get hired for

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different jobs. You got truck drivers for FedEx making one

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hundred and seventy thousand dollars a year. Yeah, if you're

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willing to work, the money is out there, it is.

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But when I sit the other thing I tell that

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guy is, do you want to see your wife look

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at you in a completely different way that gives you

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purpose and meaning. Go out and let her see you

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busting your backside for your family. You want to feel

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truly appreciated and purpose filled. Let your kids see you

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getting up at four point thirty in the morning to

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bust your backside for your family. Then control. Then that's

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the making money part of it. The other part of

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it is we got to re establish your family priorities.

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Maybe having a Louis Vuitton purse isn't the most important thing, right,

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Maybe having a Cadillac Escalade, which costs more than your

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annual salary. Isn't a good idea, right, you know what

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I mean? Go by? How about you go buy an

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eight year old, nine year old Toyota Sequoya or a

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Honda Pilot. Right. I told the story I built bulwark

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driving a two thousand and one Ford Focus with two

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hundred thousand miles on it hatchback too. It wasn't even

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a cool one.

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Speaker 1: That wasn't even a cool one.

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Speaker 2: But you know now, I will also say it isn't easy, Okay.

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I am so freaking glad that that period of my

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life is over it for now. Right, God's got his

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own plans, so you know, maybe I'd have to go

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through it again. But if I do, I know the

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game plan. And you know, it's amazing to me when

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you are purposeful in life and you set a goal,

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and if the goal is for one person to work

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and the other person to stay home, you can figure

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it out. It's not impossible. Right. I hope it's coming back.

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Speaker 3: I really do hope it's coming back, because I look

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at like my grandparents' generation. My grandpa had three jobs.

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He had three jobs, that's just what they did. And

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my grandma didn't work. I mean, look, I look back,

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that was their generation. I hope that this. I hope

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it starts coming back. I do, I really do, because

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there's something to be said. You're right, because there's something

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to be said for men who do that. I think

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that you're right. I think that they're looked at differently.

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I think that they feel differently about themselves. I think

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that they are different. Yeah.

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Speaker 2: Oh man, Yeah, the pride I felt when my wife

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was finally able to quit her job and I'm a

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bunch of coworkers at work told her, you'll be back.

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We've seen this before. She has not been back. Has

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not been back. Praise God, Praise God. A lot of

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good things broke our way outside of just us. But

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I look at young people and I'm just like, man, wit, like,

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there's this. If you want to accomplish good things in life,

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you need to accept the fact that there's going to

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be an eight to ten year period of lost time.

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Speaker 3: Right, pain, grinding pain, Yeah.

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Speaker 2: It is, but but front that pain right right. Taking

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that pain at thirty is so much easier than doing

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it at fifty or forty. Right, front hold that pain

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and just work your tail off and do not live

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this consumption based life, right, Like, you look at most

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these people, A lot of these people out there could

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probably do it now, right, just not with their spending practices.

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Speaker 1: Right right, they're spending like the government.

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Speaker 2: Oh yeah, well yeah, no, right, and no they are

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they're running deficits. It's called a credit card, right, It's

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some basic idea and you just don't need it, it's

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not And I look, and again, I'm not trying to

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be a hypocrite. I've got a beautiful life, and I

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with that have come a lot of different luxuries that

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I didn't think I'd be able to afford. But they're

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minimal expenses. They're meaningless now. And that's when you wait

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to do those things, you know what I mean? Yeah,

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And there's still like you know, I still own one watch,

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you know, it's not even nothing crazy, right, Like I

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still buy I bought a new car for myself. It

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was two years old with twenty thousand miles on it, right, Like,

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just because once you start realizing how trivial and stupid

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it all is, you're just like, yeah, I could get

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a new one for an extra fifty grand, or I

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could say fifty grand and have the exact same experience

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exactly exactly.

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Speaker 1: So it's all that I feel like you're I feel

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like you're a tough love financial planner, which is which

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is what some people really really need. And certainly if

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they don't have a financial planner, they should be looking

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at possibly checking you out. How can they do that?

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Speaker 2: Well, first of all, that was what we call an

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all pro transition.

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Speaker 1: I know.

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Speaker 3: So she's the best.

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Speaker 2: That's a segue.

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Speaker 3: Thank you, She's she's going to write a book on it.

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I'm convinced.

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Speaker 2: Well, I mean, if you ever want to get a

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side hustle rounding up some money and managing some clients,

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let me know. We're moving over. But yeah, No. Easy

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way to get a hold of us is go to

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our website Boardcapitalmanagement dot com. We've got a webinar coming up.

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I believe that May twenty May twenty second. Yeah, this

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week of this month we walk through our process how

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we do all of our stuff. You can find us

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on YouTube. Know Your Risk Podcast. We do a daily

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podcast summarizing everything economic, political, and market driven that happened

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that day. Pretty easy to find is Google. Yeah, Know

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your Risk Radio, Know your Risk Podcast, and we're all

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over the place.

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Speaker 3: Yeah, you know, what I like best about your firm

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is that you guys are communicative always. You know, you

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know we're clients too, But I mean, I'm just saying like,

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that's one of the things I really love about you guys.

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Just putting that out there.

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Speaker 2: So yeah, we'll definitely.

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Speaker 3: Calling you guys, call ZAC.

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Speaker 2: That's right, yek you. Thank you, ladies, appreciate it.

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Speaker 3: Thank you.

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Speaker 2: Investment Advisory services offered through TREK Financial loc and SEC

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Registered Investment Advisor. The opinions expressed in this programmer for

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general informational purposes only, and are not intended to provide

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specific advice or recommendations for any individual or on any

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specific security. Any references to performance of security so it

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thought to be materially accurate and actual performance may different.

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

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guarantee future results. TRAK twenty fourth three zero weak