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

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where we talked to our friend and sponsor of the show,

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Zach Abraham from Bulwart Capital Management. Zach, are you a

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follower of Dave Ramsey?

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Speaker 2: I like Dave. I don't watch him regularly, but you know, yeah,

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I'm a fan.

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Speaker 3: Yeah, I think that's kind of like.

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Speaker 1: I don't have time to watch every episode, but I

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appreciate his role in the world, and he's helped a

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ton of people manage their money. And I saw a

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real interesting question come into him that I was surprised

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by his answer. Normally, I'm like, of course, that makes

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all kinds of sense, but this time I was surprised.

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So there was a caller who was twenty six, a

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guy who called in and said, Hey, I'm twenty six,

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I'm about to get engaged, but my net worth is

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way higher than my girlfriends. Do I need to get

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a prenup? And so Dave's like, okay, well what does

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that mean exactly? And the guy said, I have fifty

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grand from I'm assuming cash, I have fifty grand from

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my grandparents for a house. I have a fifty thousand

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dollars truck that I have equity in one hundred and

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sixty five grand across four one K accounts, one hundred

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and fifty grand left in a college fund. My fiance

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is finishing PA school with about one hundred and twenty

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thousand in debt. Nice And Dave said, well, what do

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you make every year? And the guy said about one

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hundred and twenty grand a year. So Dave said, first

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of all, if you've got six hundred grand to your

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name at twenty six, that's really really good. But secondly,

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it's not enough of a net worth to warrant a prenup,

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which I was stunned at because he's basically coming in

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to the relationship with like everything, with everything and no debt,

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and so like, what is your take on that? Do

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you think just in the in terms of prenups, which

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I think we may have discussed with you before, but

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still like in that example and in others, is it

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something that you talk about with your clients ever?

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Speaker 3: Is it something that comes up.

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Speaker 4: Not a law because you know, the vast majority of

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our clients are married right in their sixties. Obviously, when

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you're married in your sixties, divorce rates very low, right so.

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Speaker 2: And most unless you captain well there you go.

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Speaker 3: Yes, yes, obviously to not keep them together. It did

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not clearly together.

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Speaker 2: Clear there's.

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Speaker 3: Up around for some muskrat love is what he wanted.

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This is getting out of hand. It's getting a hand.

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Speaker 2: In a good way, in a good.

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Speaker 4: There, my mike, my Mike even took off there and

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it's not where.

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Speaker 2: Even are you?

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Speaker 3: Don't you go where?

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Speaker 2: Hello? Hello?

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Speaker 5: There?

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Speaker 6: It was a muskrat love that put him over there.

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Speaker 4: It killed it killed killed the roadcast Okay, muskrat love

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out short circus, in the circuits.

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Speaker 6: Yeah, goodness, okay, any of this.

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Speaker 1: Do not.

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Speaker 2: This is this is gold anyway.

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Speaker 6: All the years are like, what's muskrat love?

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Speaker 3: Like googling it, the ai ing it right now.

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Speaker 2: It's boomer music, guys, it's boomer music. Okay, right, totally anyway, Okay.

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Speaker 4: When he said that out of curiosity, because I'm not

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super intimate with did he mean like legally, is there

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like a legal amount that you can't protect?

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Speaker 6: And I think so, I think he was just giving

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like his philosophical like for that individual person.

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Speaker 3: He thought that that wasn't enough because I don't think there's.

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Speaker 1: Any legal I mean, if you want a prenup and

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you each have ten bucks. I think you can get

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a prenup like a lawyer is going to help.

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Speaker 3: You, you know what I mean.

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Speaker 2: Yeah, you know, man, So it's so hard.

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Speaker 4: I hate to answer it this way, but if it was,

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I'll just take Like if it was if it was

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a young couple that was like my wife and I

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when we got married, I'd tell him not to sweat it,

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just because, you know, nobody knows what relationships are going

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to work and which ones are. But we've all seen,

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like there's some obvious ones where you go, this isn't

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a good idea, right, you know, and then yeah, you know,

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you just and you never like to be right, but

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you usually are. Yeah, we all know those circumstances.

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Speaker 2: Right.

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Speaker 4: So generally speaking, generally speaking, I told I would agree

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with him.

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Speaker 2: I think in the sense that.

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Speaker 4: I traditionally I don't think that's enough to protect And

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I think that part of the thing about choosing to,

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you know, share your life with somebody else is coming

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together and sharing the circumstances and figuring it out and

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doing it together and all that kind.

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Speaker 2: Of stuff I agree with.

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Speaker 4: But but the flip side, let me go talk to you know.

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I've got a friend going through a situation right now

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where you know, infidelity was involved.

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Speaker 2: Wasn't his fault.

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Speaker 4: He was the one that had assets and he's getting

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taken for you know, probably forty percent of his net worth.

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Speaker 3: Oh oh, oh my gosh.

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Speaker 2: Yeah.

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Speaker 1: It's always been like I feel like what you bring

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into the marriage isn't even the issue. It's what you

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potentially will earn together, or what one of you will

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earn and the other one will be along for the ride,

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and that's cool. Like a Jeff Bezos for example, his

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wife was there to build him up, to help build

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up the business, and so she got a huge fortune

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out of their divorce. But it's to protect what's to come,

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I think, just as much as it is about what

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you're bringing in. And so that's why I was just

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real surprised by his take on that, you.

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Speaker 4: Know what I mean, because it's well and this is

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why I would have a tough one with it though,

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And I think that I think that you could justify

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either answer. Are we talking about it in terms of

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financial or we And like Dave talked like it's a

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financial show, so he's talking about finances. But Dave's also

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you know, a guy that's you know, very much interested

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in and he's a Christian guy, you know, big fan

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of the institution of marriage, things like that. So I

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think that those are questions to ask. But then it

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kind of goes around, which is, if somebody has substantially

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more going into a relationship, and everybody is there for

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the right reason, then why would there be pushed back

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on a prenup, you know, or maybe even a time

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certain prenup, maybe it's for the first ten years or

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something like that. That's just I have a tough time

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with that one, because what do you tell young people

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to do. I know that, you know, marriage is tough enough,

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and it's tough enough when you're in and it's wonderful,

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but you know it's difficult too if you're both fully committed,

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and so one of you know, party sits there and goes, is.

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Speaker 2: This one of you having one foot out there? Or

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you know what I mean? Like, you know, I kind

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of feel that way too.

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Speaker 6: Yeah, I mean I think, but I think I'm probably

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the only one here at the three of us.

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Speaker 3: Maybe I'm wrong. That's a child of divorce.

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Speaker 6: And so I've seen I've seen ugly I've seen I

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don't think your parents are divorced, but I've seen some

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ugliness in divorce. And no matter what, even like even

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with you can agree on whatever at the beginning, but

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if it ends ugly, even in a you know, an

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emotional way, people are going to be fighting over plates, you.

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Speaker 3: Know what I mean.

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Speaker 6: It's like so true the bank accounts are like even

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the least of the concern because they just want to

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they're fighting anyway.

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Speaker 3: So I just I don't know.

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Speaker 6: I look at it and I'm like, I there's just

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never a win, even if you have a prenup. I

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just don't think there's a It sucks for your friend though,

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Like I think about your friend, and I think what

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sucks is that, you know, they can't just be normal

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human beings at the end of a situation like that

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and go, okay, how did we we started off as

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people who actually loved each other and liked each other

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a little bit. Let's not be complete dicks at the end,

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you know what I mean, Like that would be the best,

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but people just people are always people are dicks at

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the end.

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Speaker 3: And it's like this is what stinks, you.

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Speaker 4: Know, especially you know, and this is a tale as

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old as time. But I've learned this and I've had

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this put my face multiple times dealing with honestly, both

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sides of this income tax fight. Meaning it is, it

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is so disheartening to me how important people are gonna

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be like you're.

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Speaker 2: A money manager, and I know, I know, I.

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Speaker 4: Get it, but but it it just it never, it

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just never ceases to amaze me how people will separate ethics.

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Speaker 2: And morality from money.

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Speaker 4: You know what I mean, We're like, what what like

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they they'll sit there and they'll sing a good song

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about this and that Da da da da, and then

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when a money situation comes up, it's, oh.

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Speaker 2: It's a business decision.

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Speaker 4: Well, hold on a second, I'm still going off about

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your moral discussion you just had over right, what do

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you mean it's all you know, it's like that will,

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it's not business, it's personal nonsense, and business is personal

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and what you do with money, in my opinion, is

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a true indication of character.

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Speaker 2: Right.

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Speaker 4: It's like, we've got a lot of people in the

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state right now. I'm so against the income tax. So

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I'm so against the income tax and I'm rich and

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it's gonna hurt me. And then you want to donate no, no, no,

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And you're.

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Speaker 5: Just like Manet, get out of here, right because at

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the end of the day they're reading all they're fearful

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and and at the end of the day they can

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sit there and talk about their politics and I'm fighting

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for that.

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Speaker 4: You're not fighting for anything. All you care about is

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your own pocketbook. And that's one of the things that's

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like infect at our country, right, like this money above

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all all other things. Nobody stands on principle anymore. You

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know what, what about the old stand of that could

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cost you everything? Yeah, I'm more yeah.

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Speaker 6: Right, And I guess a prenup is sort of like

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I guess, an add on to what the laws that

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are already on the but like it depends on what

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state you're in, right, I mean like something, you know

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what I mean.

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Speaker 4: I was saying all that in defensive prenups, meaning like

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you can see kind of the other side of it,

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because like you guys were saying, like you know, you

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can have the most beautiful art, like my buddy's situation,

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and he's not perfect, but he was the one that

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came in with it. His spouse lived a life that

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was reflective of his business success.

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Speaker 2: Not hers.

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Speaker 4: Then she cheats on him and I know for a

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fact he didn't do it to her, that she's not

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even alleging that, and watching what she has done to

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him to extract more money, and it's just disgusting.

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Speaker 6: And when you see that, Yeah, that's why I wish

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that courts would look at every individual situation and make

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a determination based on that situation. And I just wish

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they did that more instead of had these blanket Well,

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I mean, she's gonna get half, or he's going to

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get this, or you know what I mean. It's we

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see that way too much. They need to start looking

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individually because that sucks for your buddy. It sucks, and

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that happens way too often.

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Speaker 1: Yeah, think about how amazing it would be and maybe

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how much things would change when it comes to family

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law if prenups were just part of the whole process

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of marriage. Agree, and if it just came with like

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getting a marriage license, that you sit down and you

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have the conversation at the outset that says, if in

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the unfortunate circumstance that we ever split, how would we

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like each other to be treated? And that's and that

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happens across the board, so that nobody's hurt about it,

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and there's it's just part.

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Speaker 3: Of the process. Would save so much heartache.

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Speaker 4: I agree, I heard, and it caught me so off guard,

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right because I hear I'm watching an interview of like

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one of the nation's most successful divorce attorneys.

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Speaker 3: I'm sitting was it, Yeah, he's like one of our

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favorite people.

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Speaker 1: James Sections tell me, yeah, yeah, yeah.

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Speaker 4: I'm prepping myself for a reaction to what he says,

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something along the lines of what I feel every time

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I hear Gavin Newsom talk. Right, I'm gonna feel like

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I need to take a shower, right right, Yeah, Because

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he made this point that just stopped my anti Yeah, Prina,

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it just stopped in his tracks. Where he goes, where

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did this idea come that having a predetermined agreement to

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protect all parties involved, especially if you have children, Why

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in the world would that be a bad idea? Because

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we know that one of the most contentious, horrible things

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in the world are divorce processes that turn into fights

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over assets and money, and the kids are often the

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biggest loser. And he goes, why would it be a

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bad thing to pre do that and protect everybody involved?

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And I went that's a really solid point, right right,

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because we've all seen the war of the roses type

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to just and.

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Speaker 2: Right and it smokes everybody, you know.

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Speaker 4: That was another one my buddy went through, is he

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tried to explain to her and he goes, listen, here's

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how this is going to work. We're going to end

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up at this place. So we can either do it

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now or we can waste another two hundred and fifty

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or three hundred grand on lawyer fees and we're still

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going to end up here.

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Speaker 2: Guess what happened. She wanted to fight over it.

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Speaker 4: It looks like he's going to get a favorable ruling,

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but he has to pay her legal bills too.

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Speaker 3: Yeah, this is my thing. He's lost so much. I mean,

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it's his money. So what does she care?

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Speaker 2: Yeah that she doesn't.

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Speaker 3: Yeah, I agree, it's this.

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Speaker 2: It's just nuts.

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Speaker 6: If they could have some sort of a plan up front,

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you know, that would be the b It's changed.

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Speaker 2: It's changed my stance on it.

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Speaker 3: Yeah, I think it did for me too.

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Speaker 1: Like as soon as I listened to him, I was

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like because I was so anti because I'm a romantic.

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Speaker 3: At heart, and I was like, oh, you don't need

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that if you love each other.

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Speaker 1: He completely changed my mind about the entire issue. And

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now I've become just like, everybody needs them all everybody,

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no matter what money you have, no matter what money

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you don't have, everybody needs them.

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Speaker 3: That's my stance.

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Speaker 4: Yeah, I mean, well, like I said, seeing what I've

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seen up close now and hearing him talk, I am

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much more open to it. I'm much more open to

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I think doing it the way my wife and I did,

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and we were so lucky. Like That's the other thing

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you realize is when you have a great marriage, you've

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done some things right, but you've also been really lucky

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and really blast and you know, get both. Starting with

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nothing and building it together sure makes it a lot easier.

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But yeah, in the event, in the event that one

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has I've really.

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Speaker 2: Come around on that idea. I think it's not a

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bad it's not a bad way to go.

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Speaker 1: Well, the good news is that people tend to not

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break up with their financial advisors, and they definitely won't

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if they.

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Speaker 3: Have a conservative one like you. It has integrity.

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Speaker 1: Tell people how they can find you and how they

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can seek you out for financial help.

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Speaker 4: Yeah, not hard to find, go to Bororcapital Management dot com.

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You can also watch our podcast that airs every day

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from between thirty to forty minutes surmising we're summary of

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all that's gone on financially and economic that day and

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yeah not hard to find Bororcapital Management dot Com. Know

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your Risk podcast and yeah there we are awesome, Thank

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you saying Zach, all right, thank you, ladies. Investment advisory

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services offered through Track Financial loc and SEC Registered investment advisor.

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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 are thought to be materially accurate,

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and actual performance may differ investments involved risk and are

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not guaranteed. Past performance doesn't guarantee future results. Track twenty

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four three zero eight