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Speaker 1: You know, I don't feel like we're really seeing from

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consumer economy. I don't feel like we've seen the rebound

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that they're.

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Speaker 2: Saying spending I don't see is up.

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Speaker 1: Still, We're still seeing personal consumption being kind of in

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a troublesome area. And you know, I really think that

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we need to look at where are we seeing these jobs.

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I'm not exactly sure where we've seen the creation of that.

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I'm not sure to your viewpoint on that, Carrie.

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Speaker 3: You are listening to Carrie Let's's Financial Survival Network, where

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you get valuable information you just can't find anywhere else

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to thrive in today's trying times. You need the Financial

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Survival Network now more than ever. Go to Financial Survivalnetwork

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dot com and get your free newsletter and gift. Financial

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Survival Network now more than ever.

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Speaker 4: And welcome you are listening to and watching the Financial

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Survival Network. I'm your host, Carrie leutz.

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Speaker 5: Well.

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Speaker 4: We got some GDP number is out for September, and

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Indy Macintosh is with us now to help review and

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make sense of these numbers. It sounds like things are

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really going great. I hope they're going as good for you,

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Indy as the GDP number would indicate well.

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Speaker 1: It sure making it look like these numbers are healthy

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when we take a look at three percent. But in

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you know, the Bureau had released that that's our final

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update that we've had currently and the rising annually three

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percent pace kind of shaking up from a shapy one

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point four percent growth in quarter one. You know, I

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don't feel like we're really seeing from consumer economy. I

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don't feel like we've seen the rebound that they're.

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Speaker 2: Saying spending I don't see is up still.

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Speaker 1: We're still seeing personal consumption being kind of in a

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troublesome area. And you know, I really think that we

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need to look at where are we seeing these jobs.

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I'm not exactly be sure where we've seen the creation

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of that. I'm not sure to your viewpoint on that.

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Speaker 4: Carrie, Yeah, that's a good question. You know, this would

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be this type of growth number. You know, well, they

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redefined what a recession was, right because we used to

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define it as two consecutive quarters of negative GDP growth.

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Then we got a number that they miscounted the jobs.

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There were actually eight hundred and eighteen thousand phantom jobs.

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And now you know this, I mean, do they have

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any credibility left here. I mean, the market's going up.

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It seems like happy days are here again. I'd like

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to start playing that song again. But it's just all

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seems to be smoking mirrors.

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Speaker 1: Well that's why I always say, you know, it's a

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big question right now where our consumers A lot of

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folks that we're doing. What they're wondering, is inflation and

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such really declining? Are things becoming more and even kel

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what's happening in the job market? And I really say,

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you know, maybe not. And you just kind of brought

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it up a little bit. When we remove energy prices,

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inflation is still above three percent. If we take out food, energy,

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and even housing, it's about four and a half. So

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how are we giving the dollar direction and or redirection?

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I mean, yeah, and you're right, stops are doing what

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they should be doing. Bonds are still programs. We're using

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a lot of bond alternatives for our client folks to

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make sure that we're still hedging some changes. But you know,

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unemployment rates, we shouldn't see them decrease with that FED cut.

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But because I think that the FEDS did make that

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half of a basis point cut as well, because we

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want to make sure we don't get more recession territory.

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But our perspective really is, you know, a lot about

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taking a look at overall picture of what we're asking

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our clients with interest rates and unemployment and so historically

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and economic trends from past residential cycles. Even in elections.

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It's you know, obviously impossible to predict our exact economic implications,

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but I am so concerned with our with the people

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and the consumers that we're seeing in our office day

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in and day out, what's going to happen with post

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election cycles, and really what our theory is behind that.

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So we really have to hone in on the fundamentals

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and make sure we're not doing too much of a

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political basis is here. We want to make sure that

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we're being irrelevant in the portfolios and the things that

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we're seeing folks do on a day to day basis.

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Speaker 5: Right.

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Speaker 4: Yeah, So you know, and then you look and you

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see the dollars declining. You see gold prices hitting at

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our near all time highs twenty going to twenty seven

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hundred imminently, so it would appear silver is at thirty

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two dollars the ounce, and you know, you got to

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wonder are we missing something. Even copper, which had been

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kind of moribund but it's still was trading in the

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four dollar range. Copper is at four and a half

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bucks now back up to five. So where does all

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this leave us here with a feeling like we're not

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really seeing the whole picture from these government numbers right

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Even oil prices starting to head up now again. And

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is this just the election field distortion of reality that's

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taking place, or is there.

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Speaker 5: Something deeper going on here?

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Speaker 2: Mandy Well, I think sometimes we have to.

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Speaker 1: Look out for avoiding emotional and or political motivated investment

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decisions right now. But what we're even seeing from our

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clients is that there's been in market volatility and we're

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seeing folks more flame to what they call the tangibles

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or they want more outside diversifications. We're seeing that happen.

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So I think that's why we're seeing the gold and

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the silver. I think that we're seeing it in higher usage.

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There's more demand on that currently as people are more

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nervous and uneasy about the market. We're also seeing on

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the flip side and more folks are heavy in cash

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right now too, And I think that you know that's

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they're just unsure of what's going to happen with political

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you know views, what they've even seen Wall launched the debate.

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So that's over the long term. It's really our job

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here in our firms. We're trying to help folks for

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pere and establish for a nice retirement, and so we

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want to make sure they're not too heavy in cash.

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We do want to have some of those outside tangibles

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and diversification, but really guiding through you know, guiding our

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focus as much as possible through the political noise, which

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some of that I think you're alluding to here, Carrie

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is just you know, we have to be okay with

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you know, democratic versus Republicans, you know, even ideally when

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we take a look over the past fifty years, the

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digital age is much more increasing right now, we have

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adi to think about. We have a lot of things

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driving differences right now that we take a look at,

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so shifting an incentives for I'll let social media platforms.

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Audiences are getting more bias, so what they're feeling, I

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think about trends in the market and popularization of different ideas.

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So with our process, we just aim to make sure

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that our client folks and their experience can lead to

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clarity just to get sometimes of just the buzz of

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the headlines out out of what they're actually reading and

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let's get down to the basics of what's really happening.

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Speaker 4: Hey, you're in Michigan, so I'm sure you remember this slogan.

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I mean that it was US economic policy probably for

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fifty sixty years, and that is what's good for GM

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is good for the US. Is it hard to change

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that and say what's good for Tesla is good for

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the US?

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Speaker 1: Oh? I feel like you do see that everywhere, right,

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even in any of the morning feeds that I read.

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We see it everywhere. And what are they trying to

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get involved with with now? And how is he continuing

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to make a staple sub Yeah, I mean before it

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was GM. I live in Michigan, not far from like

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some of the big plants in Flint, Michigan. Here, it's

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just only about an hour away. And we also need

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to make sure that even folks that are looking to

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have Tesla in their portfolio, are we too happily laid

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weighted there? And then what are the tax of the locations,

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especially if you're in a bull fight accounts, it's a

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whole nother discussion. But when we take a look at

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the world right now, what we're paying for taxes, We

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have huge legislative risk right now, and what are our

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taxes actually are going to be in the future. That

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can go nowhere but up. So I think that, you know,

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rather than getting tripped up on too many individual pieces,

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we need to make sure that we're urging our folks

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to answer questions like long term goals even right, So

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instead of lookating today Tesla AI, how man they get

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involved in the new great thing? More, it's what are

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financial rules? When do they need to reach them? You know,

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how much risk can folks really tolerate? Do they need

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the growth that they're speculating their thinking they want or

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are they already kind of won the game at work

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and now we need to do a great income and

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withdrawal strategy from them? So these are all things were safe.

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Speaker 5: I get it, they get it, they get it.

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Speaker 4: Maybe what's good for Tesla is good for the world,

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but not necessarily the stock market and your retirement right right? Absolutely,

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all right, So emerging trends here, I think we're going

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to see a shift in as far as the leading

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sectors in the market. A are we kind of going

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through a transformation here? What is your take on it?

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Speaker 1: I really think we're still going to see with what's

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happening with AI tech that all those platforms I think

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are going to continue to be successful and do well.

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I do think one area we should look out for, though,

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is more nuclear power in the future, especially with what

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we're seeing overseas clean energy. I really think as a

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being viewpointed on a lot of of sectors, so I

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think we can look out for that. I always always

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want to continue to maintain looking at some of our

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staples like healthcare as well, So those would be some

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of my key fundamentals. Where are stabilizers, what are sort

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of things that should be steady Eddy? And then what

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is still the newer hib But I'm like, sure, you know,

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we had the Apples and Amazons and Microsoft to the world,

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but it's really that tack AI that I continue to

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feel like we're gonna seating that in the forefront of

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some big things still for the for the next year plus.

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Speaker 5: Okay, all right, I'll buy that.

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Speaker 4: And finally, when we have this conversation in a year,

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is economy going to be booming the same or lower.

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Speaker 1: I think that that has a lot to keep your

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November an election. You know, I'm a very optimistic person.

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I want to say that it's gring to be dreaming,

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but I have my own reservations. But I have deeper

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reservations than just a year from now. My reservationsly a

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lot more in I feel like legislative intact rinks in

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the future, like for what are you know my oldest

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daughter is fifteen years old that I really really am

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concerned about the future for our youth. But a year

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from mental, I think that there's a lot more to

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see what happens in election time. But also even some

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of these numbers that just come out Garry I I'm

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not I'm not feeling it.

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Speaker 4: Yeah, well, you know, so this is going to make

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a joke. You're talking about kids, but you have young kids.

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I'll love refrain from the joke. My kids are My

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kids are grown. It's their problem. I don't care anymore.

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That's kind of where I'm at with it. It's like,

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I'm just going to enjoy my life and hopefully my

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my money will outlast me. But you never know about

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these things, right, And that's I'm sure the biggest question.

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Speaker 1: Yeah, it's it's and I agree with you, Carrie. You

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never know. It's the biggest quest that our actual clients

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ask us, And do I have enough money? Am I

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going to be okay? With healthcare costs and things happening

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in the world. Am I going to have enough income

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to sustain my twenty five or thirty years of retirement?

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Because with advancements in health so we have to have

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more diversification. But some are like keep carry. They're like, hey,

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the day but you would say the day you pass away,

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if all of your counser are to zero, you one.

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Speaker 5: That is it? Well?

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Speaker 4: Well, I mean the one thing I learned kind of

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twenty years ago is never retire semi retire right us,

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as you can do things, bring in enough cash flow

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that'll keep you happy as long as you can, and

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then when you can't, the money.

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Speaker 5: Isn't going to matter anymore anyway. So that's kind of

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my day active too.

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Speaker 1: If we stay active, can bault and keep our brain

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power going and keep our bodies moving. I say that

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less things happen to us, we can do we do

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continue to maintain better by staying active. So I fleeve

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with you, Carrie, keep on doing something that you enjoy.

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Speaker 4: Mentally active, physically active, because you'll just have a better

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quality of life and financially active. Appreciate you coming on

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as always, Mindy. Just tell us where we find you.

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How do we connect with you on the web.

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Speaker 1: Sure, thanks, Kerry, appreciate it. You can find us at

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Walthmichigan dot com or by all means anytime you reach

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out there. We do actually have some reports informational educational

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session set up, but that's Wealth Michigan dot com writing

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the best way to locate our Macintosh and Associates firm

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and find out about more information and how we can help.

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Speaker 4: Excellent and looking at your window there, it looks like

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winter is coming, although you heard it's pretty warm up

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in Michigan right now.

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Speaker 1: But it's been great. You know, we've had some ball

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mornings now for sure, and it's getting dark earlier, but

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we still have some great weather and it's been good

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for our our outdoor sports seasons as for sure.

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Speaker 4: Hey, well, we only have two seasons here in Florida.

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I'd like to say hot and hotter, So right now

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we're getting done with hotter and we're going into hot,

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which is fine with me.

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Speaker 5: So we'll talk to you again soon.

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Speaker 4: Hey, you've got a question from Mindy or myself kl

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at Carrie Lutz dot com. That's the email address and

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you'll find a link to mindy site in the show

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notes to this interview on Financial Survival Network dot com.

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While you're there, please sign up for your free newsletter Mindy.

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Always a pleasure. Thanks so much for stopping by.

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Speaker 3: Thanks Karen, thanks for listening to Carrie Letz's Financial Survival Network,

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your solution to today's trying times. For the latest, go

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to Financial Survivalnetwork dot com. Financial Survival Network

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Speaker 1: Now more than ever,