Speaker 1: What did he say the number one Christmas song was?
Speaker 1: I was lining up in the year I wasn't listening. Yeah,
Speaker 1: I got you. I told you I knew Chuck Berry Maybe.
Speaker 2: No, no, I'm sure it was Bing Crosby's White Christmas.
Speaker 2: I thought White Christmas. What's up?
Speaker 1: It was the forties? Uh so I told you the second.
Speaker 2: When news started breaking last week and we were talking
Speaker 2: about I was like, there's a CEO that's been shot.
Speaker 1: Go ahead, Johnny. What was the name of the song,
Speaker 1: Chuck Berry, Run Run Rudolf? Was it really was the
Speaker 1: number one song? Oh?
Speaker 3: You are kidding in Kentucky. See, even when I'm not listening,
Speaker 3: I'm listening.
Speaker 1: Okay.
Speaker 2: See I posted this on Saturday, the Mark Twain quote
Speaker 2: when the world ends, I want to be in Kentucky
Speaker 2: because everything everything happens twenty years later at Kentucky.
Speaker 1: Thank you for that. Uh Run Run Rudolph.
Speaker 2: No way, you know you're the mastermind. Nice You used
Speaker 2: to play that probably on the oldies station. Yes, I
Speaker 2: knew the minute I said there's some CEO it's been shot,
Speaker 2: YadA YadA. We were covering it live on this station.
Speaker 2: And then after I found out the details, I went
Speaker 2: this story won't go away, and it's and I told you.
Speaker 2: Through the weekend, it got even worse. Now on Friday,
Speaker 2: United Healthcare again the story is United Healthcare CEO was
Speaker 2: gunned down walking to his shareholders meeting that started in
Speaker 2: about an hour and a half or two hours later,
Speaker 2: right in the middle of the street six thirty am.
Speaker 2: This guy got on a bicycle roadway, got on a
Speaker 2: train and left the city and.
Speaker 1: He is gone. Stop for coffee first.
Speaker 2: So United Healthcare post a remembrance story on Facebook about
Speaker 2: this guy. He was only fifty. He looked like every
Speaker 2: if you just if you put in the AI, you know,
Speaker 2: you know, Midwest white guy, old white and this thing
Speaker 2: would pop up. His face will pop up. So right
Speaker 2: away it received ninety thousand different posts with laughing emojis.
Speaker 1: Yikes.
Speaker 2: So they had to take the story down from Facebook
Speaker 2: or limit to who could comment on it. I told
Speaker 2: you the story is not going away. I watched endlessly
Speaker 2: as video after video of people and you've got to
Speaker 2: really and I want to put myself in those shoes.
Speaker 1: But there are a lot.
Speaker 2: Of people that are pissed at insurance companies, and I
Speaker 2: guess rightfully, so right I mean, there are.
Speaker 3: A lot of people out there that have been denied coverage.
Speaker 3: They pay insurance diligently year after year after year, only
Speaker 3: to be denied when they actually need it. No doubt
Speaker 3: people have lost relatives because of that.
Speaker 2: Yes, here's one today. I'm thinking about the time United
Speaker 2: Healthcare suddenly decided to stop paying for my chemotherapy and
Speaker 2: didn't bother telling me, so the nurses had to tell
Speaker 2: me when I checked in for my cancer center for
Speaker 2: my next treatment. Totally unrelated to current events today. Another
Speaker 2: one said, shooting the United Healthcare CEO is a terrible
Speaker 2: thing to do. It's deeply immoral and solves nothing. At
Speaker 2: the same time, seventy six thousand Americans die every year
Speaker 2: because of healthcare insurance industry.
Speaker 3: They hire people whose sole job is to find ways
Speaker 3: to deny coverage.
Speaker 1: Correct, that is part of it.
Speaker 2: Another one. When you shoot one man in the street,
Speaker 2: is its murder. When you kill thousands of people in
Speaker 2: the hospitals by taking away their ability to get treatment,
Speaker 2: you're an entrepreneur. See this is why I knew. The
Speaker 2: second I found out who this guy was, I went, Oh,
Speaker 2: this story's not going away. This will be tied to
Speaker 2: every because it is really one of the greatest lapses
Speaker 2: in American common sense is how we have tortured people
Speaker 2: over simple medical procedures.
Speaker 3: Look at the bills for things You'll be in the
Speaker 3: hospital overnight and you'll be like twenty eight thousand dollars. Yeah,
Speaker 3: and then you'll eventually pay eight hundred. It's like, how
Speaker 3: does that work?
Speaker 1: Yeah? I don't. I don't know.
Speaker 2: And there's two different prices, one if you have insurance,
Speaker 2: in one if you don't.
Speaker 1: That doesn't make sense. That doesn't make sense.
Speaker 3: I understand cost of living is different in different regions
Speaker 3: of the country, but can't there be a range for
Speaker 3: every service, Like if you have a kidney transplant, it's
Speaker 3: between forty and sixty thousand dollars depending on where you are. Yeah,
Speaker 3: can't we have kind of like blanket pricing adjustable of
Speaker 3: course slightly, but realistic and consistent across the spectrum.
Speaker 2: And I foolishly and we're gonna have Ala Mecurio one.
Speaker 2: I used to do a show with him on the
Speaker 2: retirement and I why would I know? I was in
Speaker 2: my forties, I think when I did that, so I did,
Speaker 2: what would I know about medicare? So I thought when
Speaker 2: you retired at sixty five that the government just picked
Speaker 2: it up. Nope, you just know you have to pay.
Speaker 2: You have to pay into it in every year you
Speaker 2: get older, you pay more, and.
Speaker 3: Then once you get Medicare, it's about seventeen hundred and
Speaker 3: sixty dollars I think is per month?
Speaker 1: No, yes, no, it couldn't be sixteen hundred dollars.
Speaker 3: Seventeen hundred and sixty dollars a month, I think is
Speaker 3: what you pay.
Speaker 1: No, no, no, no, it couldn't be. That's a year. That's
Speaker 1: what you get per month. That's a year.
Speaker 2: Yeah, there's no way. Yeah, there's no way that would be.
Speaker 2: That'd be it'd be fifteen thousand dollars a year. That
Speaker 2: there's no way.
Speaker 1: That would be half your sold security or whatever. But
Speaker 1: I fos towe thousands. What do you mean paying it?
Speaker 1: You have to pay into it.
Speaker 3: Oh, it's like one hundred and seventy two dollars and
Speaker 3: you can get supplement insurance.
Speaker 2: But again, most countries have universal health care.
Speaker 1: We can't even do it for old folks.
Speaker 2: In twenty twenty five, the standard monthly premium for Part
Speaker 2: BY will be one hundred and eighty five dollars.
Speaker 1: Then you have to buy you either.
Speaker 3: Buy supplements for dental and vision and prescriptions or get
Speaker 3: a no cost Well I forget the name of those plans,
Speaker 3: but they're like plans through Anthem or UHC.
Speaker 2: So this killing is dovetailed also into the price of prescriptions.
Speaker 2: Like when I first had I don't know if you
Speaker 2: know this, but I had a heart attack several Wait, whoa, yeah,
Speaker 2: you didn't miss any time. I thought you were just
Speaker 2: taking a weekend. No, no, no, I didn't miss any time.
Speaker 2: Because that's how dedicated I am to you and David
Speaker 2: and you David wan. Yeah, that's why it's two of me.
Speaker 2: That's right, dope, Dave's and and Dwight m h okay.
Speaker 2: But the first month of one of the medications was
Speaker 2: seven hundred dollars. Jackson came on and went what And
Speaker 2: I was like, she was like, how long do you
Speaker 2: have to take that?
Speaker 1: A year? I don't have to take it.
Speaker 2: I actually off it already, But at first it was
Speaker 2: sticker shock, going what seven hundred? Most people don't read
Speaker 2: they just see the price. So if you go get
Speaker 2: your prescriptions and it was fourteen ninety nine, you get it.
Speaker 2: But read the receipt. Eat read the thing that's printed
Speaker 2: out from the pharmacy.
Speaker 3: There was a medicine that Becky has to take for
Speaker 3: cholestero rarepath I think it is, and she was told
Speaker 3: it was going to be like eleven hundred dollars a month,
Speaker 3: and we went, we put it through our insurance, talked
Speaker 3: about it a couple times, and then we're like, okay,
Speaker 3: let's try. It ended up being seventeen dollars and sixty
Speaker 3: cents from our insurance. Correct, And a good friend of
Speaker 3: ours is on it and they have much better insurance,
Speaker 3: bigger company.
Speaker 2: It's six hundred dollars a month for her. Yeah, it's crazy.
Speaker 2: So one of the prescriptions I had said it was
Speaker 2: fourteen ninety nine.
Speaker 1: I don't know. I guess that's why that number was
Speaker 1: in my head.
Speaker 2: It was fourteen ninety nine. And they said your insurance
Speaker 2: saved you two one hundred dollars or something like that.
Speaker 2: And I was like, what it's like for this medication,
Speaker 2: Like did they pay that?
Speaker 3: What is that?
Speaker 1: What they're paying?
Speaker 2: It makes no sense And they can charge what they
Speaker 2: want for seven years again my summer, my son did
Speaker 2: a summer, not summer a semester abroad six months.
Speaker 1: Yeah, and end of Brittany.
Speaker 2: And he I'm sure he was over there. He said, yeah, Dad,
Speaker 2: too much that that Tony Venetti came out of me.
Speaker 2: I was like, it ain't good son, So he said
Speaker 2: he went. He got sick twice while he was in Spain.
Speaker 2: Never been to Spain, No, but I heard the women
Speaker 2: are insane, id of like the music and kind of
Speaker 2: like the music. But he went to the doctor twice,
Speaker 2: made an appointment, got the doctor, got his prescription and
Speaker 2: paid nothing. And he's a foreigner over there. Yes, he's
Speaker 2: a dirty, dirty foreigner over there.
Speaker 1: It works here too. Look, actually you're right, Actually you're right.
Speaker 1: We treat non citizens better than we treat our own citizen.
Speaker 1: Point proven. Thank you for that. So that story again
Speaker 1: to see they are not going to find this guy.
Speaker 1: And then this is how sick the internet is.
Speaker 2: What if he finds a copp or two or a
Speaker 2: border agent that has a problem with the health industry.
Speaker 1: I guess I didn't. I saw nothing, nothing. So he
Speaker 1: there was one picture of him found.
Speaker 2: I guess he was in a bank or something somewhere
Speaker 2: and it was just the outline of his face because
Speaker 2: he's had a hoodie on and all the women, we're
Speaker 2: going crazy, going c the QT assassin, the hot assassin,
Speaker 2: assass innate me. Saturday Night Live was making fun of it.
Speaker 2: Did you see that they were making fun of it?
Speaker 1: I did not. I don't watch them.
Speaker 2: They were making well again, I don't watch it. What
Speaker 2: I do is watch it on the next day the
Speaker 2: highlights and their little news segment. They were making fun
Speaker 2: of it. This guy jumped on a bike and bicycled
Speaker 2: out of town, jumped on a train and left.
Speaker 1: That's a millennial assassin. And they're like, what the.
Speaker 2: Hell I mean in the middle of Manhattan, in the
Speaker 2: middle of the day of the day of the morning.
Speaker 1: Middle of the morning. So there you go. That's my CEO.
Speaker 1: It's not going away. I promise you.
Speaker 2: There'll be some sort of hearing and they'll start it.
Speaker 2: And you saw where Blue Cross Blue Shield was going
Speaker 2: to start limiting coverage on antesthesi the antesiologist.
Speaker 1: They backed off that after the shooting, and we're going
Speaker 1: to table that right now.
Speaker 2: So I had my wisdom teeth polled and it was
Speaker 2: going to be about one hundred and twenty bucks after
Speaker 2: insurance for the procedure they were not going to cover
Speaker 2: a cent of the anesthesia, which was eight hundred and
Speaker 2: fifty dollars. Oh my god, so it was like nine
Speaker 2: hundred and something dollars because they would not cover the anesthesia.
Speaker 1: Yeah, you don't need that. I'm getting three wisdom teeth polled. Yeah,
Speaker 1: you do it first.
Speaker 2: Well, that is crazy because they do that. They don't
Speaker 2: even put you under under it's that temporary sust you know,
Speaker 2: you're in a temporary catatonic sort of.
Speaker 1: It's very little anesthesia.
Speaker 2: And then because the procedure takes five minutes, so they
Speaker 2: get in there, they get the bone, you know, get
Speaker 2: the teeth out, and then you wake up. You start
Speaker 2: to wake up. Yeah, that's that's that's the stuff that
Speaker 2: drives people crazy. And we talked to somebody last night
Speaker 2: that works in the medical He goes the whole she said,
Speaker 2: The whole issue is they are trained because she did that.
Speaker 2: She goes, we were trained to confuse you and keep
Speaker 2: confusing you and pushing you in different directions and phone
Speaker 2: numbers and phone calls and websites until you give up.
Speaker 1: Yep, you put your hands in the air and go
Speaker 1: I'll just pay it.
Speaker 2: And most old people give up, and they're just like,
Speaker 2: oh okay. And I looked at Jackie and said she's
Speaker 2: the stick to itive. I would have given up. I
Speaker 2: would have been the guy like I tried, man, just
Speaker 2: write a check. I tried, how much do we have
Speaker 2: in a bank? And that's what they bank on.
Speaker 1: Oh, look at this.
Speaker 2: Still no word on what the Louisville Athletic Board will
Speaker 2: meet about today. They're going to discuss litigation and personnel matters.
Speaker 2: Could it be maybe an unhappy former athletic director or
Speaker 2: coach who thinks they were wrongfully terminated that would have
Speaker 2: reared it's uglyhead by now, I.
Speaker 1: Think so, don't you think who knows?
Speaker 2: We just can't keep up with the litigation or personnel
Speaker 2: matters of the athletic department at.
Speaker 4: U of L.
Speaker 1: I don't think any polls are involved in this one.
Speaker 1: At least. Nothing surprises me on Floyd Street.
Speaker 2: Nothing. So it's really a big deal. Oh, I know,
Speaker 2: Paul and them, we're going to be on top of
Speaker 2: it in the newsroom. Second we find out, we'll let
Speaker 2: you know. We'll get seeman Johnny on it.
Speaker 1: The hell's going on there? He's got stick to itiveness, Yeah,
Speaker 1: he does all electric.
Speaker 2: Sixty three six help is the phone, Nember, give them
Speaker 2: a call. They are trained and they've been They've gone
Speaker 2: through the Generac generator school. I think it's in Indiana somewhere.
Speaker 2: They all of their guys are trained to install that
Speaker 2: thing right, so they know the ins and outs.
Speaker 1: Don't just high.
Speaker 2: If you're going to get a generac generator, n any generator,
Speaker 2: hire them because they know what they're doing. This powers
Speaker 2: your entire house the second your electricity goes down and
Speaker 2: it runs off your natural gas.
Speaker 1: And the price.
Speaker 2: Once you get the price, you'll go, oh, we can
Speaker 2: do that. Check it out Generac generators. Six three six help.
Speaker 2: They have three ladies that answer the phone every day.
Speaker 2: Six three six help is the phone number. Call it
Speaker 2: now out electric residential electricians.
Speaker 1: And of course if.
Speaker 2: You're looking to get a generac generator, they're the only
Speaker 2: people to go to. Okay, this song was probably playing
Speaker 2: in Jo's head. He spent five six months in Madrid,
Speaker 2: traveled to Rome, Paris.
Speaker 1: I said you okay, He was like, I'm having waited
Speaker 1: too much fun.
Speaker 3: This follows the three dog night formula of Catchy up front, YEP,
Speaker 3: and then repeat.
Speaker 1: The title over and over and over and over. You
Speaker 1: know how to end it. For the last forty five seconds.
Speaker 1: This will be a good song to karaoke to. Yeah
Speaker 1: till the end. I'll be back Thursday.
Speaker 2: If you're looking for him, radio wait forty w eight
Speaker 2: chance Wheeling in the Years is next. I believe I
Speaker 2: was three and two last week.
Speaker 1: I can't remember Friday. Can't either. It's like I was
Speaker 1: on a set of the Wizard of Oz or something.
Speaker 1: I can't remember what I had whenever I got it
Speaker 1: right or not. I think I did. I think so. No,
Speaker 1: I didn't know. No I didn't. I got it wrong.
Speaker 1: I missed it by one year. No, I got it wrong.
Speaker 1: Now I'm remembering because it was bomb bomb bomb h
Speaker 1: Will it be a bomb bomb bomb or a duntant
Speaker 1: down down town? I don't know.
Speaker 2: These were all top twenty hits back in the day,
Speaker 2: including this little ditty right here.
Speaker 1: Someone's getting a little honing and he's got a broom handle.
Speaker 1: That'd be Tony Orlando. Oh thank you. Yeah.
Speaker 2: It screams nineteen sixties, but it's probably nineteen seventies. It's
Speaker 2: nineteen seventies. I don't even know this song, but here
Speaker 2: you go you'll recognize the chorus here.
Speaker 1: Go oh yeah, I know, yeah three times.
Speaker 2: Well me, where's he living? I guess above her? He's
Speaker 2: a bubberah okay and wants to be a bobber. Yeah, oh,
Speaker 2: take take fifty cents out, thank you. Just knock on
Speaker 2: the ceiling, Come on down, get on.
Speaker 1: I said, that's how they did in the old days.
Speaker 1: Now you gotta swipe left or right whatever is good.
Speaker 1: Hopefully her uncle Vince wasn't visiting.
Speaker 3: Yeah, well, any port in a storm right, nineteen seventy
Speaker 3: Tony Orlando, let's get a little tr but thirteen seventies
Speaker 3: here with Bobby Bloom Montego Bay, Jamaica.
Speaker 2: On jamaicam all, it's in nineteen seventies. And I literally
Speaker 2: could not tell you whether it's it's early, mid or late.
Speaker 2: I am totally lost here.
Speaker 1: Maybe this one will help you out. Maybe it won't.
Speaker 2: We'll see here it's it's James Taylor. I've seen fire,
Speaker 2: oh seventy two, I've seen rain and sleep. It's either
Speaker 2: seventy it's seventy seventy one or seventy two included fronts.
Speaker 1: Smoke, yes, dead, am on, And you don't know you
Speaker 1: look Susanne the Plans and man put an in to you.
Speaker 1: So I just like it. I think, I think so.
Speaker 2: Didn't she didn't Dwight say this song was written after
Speaker 2: suicide or something.
Speaker 1: Oh, that's why it's a sad thing.
Speaker 2: Yeah, that's why he said. I don't know who to
Speaker 2: send it to. Oh man, seventy one or seventy two. Now, bro,
Speaker 2: I got it. I got a good clue.
Speaker 1: Now, I always thought i'd see you again. You try
Speaker 1: to fool somebody can't do. Okay, let's go to Chicago.
Speaker 1: Huh does anybody really know what time it is? The time?
Speaker 1: You know that's on my watch? Not their best lyrical output.
Speaker 1: Cariboo is all expired from this band. Ye, they're crazy.
Speaker 1: That's wanted to see in the Cariboo looks like the
Speaker 1: one in Chicago. Time for the horns? Baby? Is that
Speaker 1: a French horn?
Speaker 4: There?
Speaker 1: Mind you Caribou played my senior prom You have to
Speaker 1: use your tongue to play it. Okay.
Speaker 2: Yeah, it's getting close to the fact that my graduation
Speaker 2: is closer to Pearl Harbor than it is from me
Speaker 2: to to my graduation. Right man, that's scary, That's what
Speaker 2: I'm saying here.
Speaker 3: We go.
Speaker 1: In the street one day. Yeah, not very lyrically deep
Speaker 1: seventy one or seventy two. I'm sticking with it. So
Speaker 1: this is like the Highlands, right, say, hey, do you
Speaker 1: have the time? Yeah? Does anybody really know what time? Check?
Speaker 2: Your damn watch? Tab is the constructs We'll both know, dude.
Speaker 2: Tab is a construct that I don't particularly want to follow. Okay, okay,
Speaker 2: your paper so hookah, Okay, okay, what are you doing
Speaker 2: going to the record store by a new bone?
Speaker 1: We all know what the bad Finger is.
Speaker 3: Two of these guys hung themselves, including the lead singer.
Speaker 2: Yeah, they thought they were going to be the next Beatles.
Speaker 2: There was pressure to produce. Oh they weren't as big
Speaker 2: as they thought they'd be.
Speaker 1: Geeze, get over yourself for a second.
Speaker 3: They wrapped up Breaking Bad with one of my favorite songs,
Speaker 3: Baby Blue. Oh yeah, great bad Finger, great song. She
Speaker 3: had a prom date, no surprise.
Speaker 1: Wow, man, damn this song totally.
Speaker 2: Thanks for bringing the room down Dale, welcome geez, knock
Speaker 2: down the old gray walls.
Speaker 1: That's what I do to.
Speaker 2: These guys hung themselves because they couldn't keep up with
Speaker 2: what they thought they were gonna be.
Speaker 3: We think one of them doing it would have been enough.
Speaker 3: It's like, I don't want to do that, right, you
Speaker 3: think the other one goes. I'll go sell stereos or something.
Speaker 2: It's a pretty good job for a while. Yeah, I'm
Speaker 2: at seventy two. I'm in nineteen seventy two.
Speaker 3: Okay, let's give you the number one song. The number
Speaker 3: one song, December the ninth. Back in the day, all
Speaker 3: kinds of clumpy makeup. Smokey Robinson. Ooh, that might be seventy.
Speaker 3: They might be nineteen seventy. Everybody had a friend named smoky.
Speaker 1: Did you have a friend name smokey? Yeah? Why was
Speaker 1: he called smokey? Because he smoked a lot? That's what
Speaker 1: I figured. Why else would you be called smokey. I
Speaker 1: don't know. Where are those little wieners called little smokies?
Speaker 1: I don't know, because they smoke them? Probably they probably do.
Speaker 1: They're delicious by the way they are.
Speaker 2: I think this is nineteen seven. You can eat a
Speaker 2: lot of wieners, and I feel bad about it. This
Speaker 2: scream seven sixty nine or seventy to me, what's your
Speaker 2: final answer? Said Musa split the difference nineteen seventy one.
Speaker 2: I'm just gonna I'm just gonna throw a dark seventy.
Speaker 3: One final answer, Smoking Robinson in the Miracles, The Tears
Speaker 3: of a.
Speaker 1: Clown It'll be seventy two. Watch was number one on
Speaker 1: this date, December the ninth, nineteen seventy.
Speaker 3: Damn you almost Smokey was talking to me?
Speaker 1: Yes he was?
Speaker 2: He smoking back after this on news Radio eight forty
Speaker 2: whnst the song from.
Speaker 1: Did you see that?
Speaker 2: James Taylor? James Taylor was in rehab. Yeah, Johnny, Yeah.
Speaker 1: Johnny Chalcas president of the Derby City Norseman.
Speaker 2: Good day for them yesterday. James Taylor was in rehab
Speaker 2: for heroin. He got out to learn that his friend
Speaker 2: had O deed. That's why he wrote the song Gotcha.
Speaker 2: Due to bad record deals, they owed a ton of
Speaker 2: money to the record company, so they've turned to heroin.
Speaker 1: And the other guy said, I'm out. All right.
Speaker 2: On that note, let's talk to Mercurial Wealth Advisors. We
Speaker 2: were talking about Medicare and social Security earlier in the show,
Speaker 2: and I said, these will be great guys to talk
Speaker 2: about what's happening. If you're in your fifties, you have
Speaker 2: to have a coach. You don't want to go into
Speaker 2: a game without a coach. You've got to have a
Speaker 2: game plan. I guess a goal without a plan is
Speaker 2: a wish. So don't wish your way to retirement. You've
Speaker 2: got to have something. And me Curi your Wealth Advisors
Speaker 2: is doing that.
Speaker 1: How are you doing, Allan? What's going on, buddy?
Speaker 4: I am doing great, man. I was trying to figure
Speaker 4: out how this segue was going to work with James Taylor.
Speaker 4: This is good.
Speaker 2: Well, let's talk about this, James Taylor. When that song
Speaker 2: came out in the nineteen seventies, a lot of people
Speaker 2: had pension plans and in the late seventies, because you
Speaker 2: and I talked about this on the show in the
Speaker 2: late seventies that the person that came up with the
Speaker 2: four to one K said, I did not want to
Speaker 2: replace pensions with four oh one K, But that's what happened.
Speaker 2: So it was a little different story. Your parents just
Speaker 2: worked for forty years, they retired, they had a pension,
Speaker 2: they had so security, and then they were set for life.
Speaker 1: That's not the case now, Allan.
Speaker 4: Yeah, and I think that the the biggest challenges is
Speaker 4: that our lifestyle has changed a lot too since then.
Speaker 4: I mean, you talk about our parents and grandparents, they
Speaker 4: you know, had that pension and when they retired at
Speaker 4: sixty five, you know, they pretty much stayed home, you know,
Speaker 4: tended garden, maybe visited the grandkids and stuff like that,
Speaker 4: which a lot of us still do. But now a
Speaker 4: lot of us also are on the road, or we're
Speaker 4: wanting to travel, or we're wanting to you know, have
Speaker 4: a winter home or you know all of the other
Speaker 4: things that that life kind of expires us to do.
Speaker 4: And so it takes more than just social Security. So
Speaker 4: you have to have a plan. You have to have
Speaker 4: an income plan, you have to be able to develop
Speaker 4: that strategy, and that's what we focus on with our
Speaker 4: retire of three sixty game plan.
Speaker 2: I think one of the biggest things, well, the number
Speaker 2: one thing you do when you do these assessments and
Speaker 2: you and you all talk whether that the family or
Speaker 2: the person can work with you guys, is do a
Speaker 2: do an inventory of what you're spending a month and
Speaker 2: then think of about that and what you're going to
Speaker 2: spend in retirement.
Speaker 1: So I think it hits people.
Speaker 2: When they go, oh my god, I'm spending ten thousand
Speaker 2: dollars a month and they don't realize that like, they're like.
Speaker 4: Yeah, I mean right, it's definitely an opener because I
Speaker 4: mean if you start putting a pencil to it, and
Speaker 4: especially with over the last few years where things.
Speaker 1: Have gone up skyrocketed.
Speaker 4: Yeah, I mean, I mean I was just talking to
Speaker 4: my son last night and he was going to stop
Speaker 4: at a local grocery store. Won't mention the chain, but
Speaker 4: you know, he said, I'm going to buy a couple
Speaker 4: of steaks and cook them out on the grill. And
Speaker 4: he said, my gosh, Dan, I got in there and
Speaker 4: they were twenty five bucks apiece. I might as well
Speaker 4: have somebody cook.
Speaker 1: Them for me.
Speaker 4: Yeah, So, I mean it is an opener. I mean
Speaker 4: when you start thinking about what you're spending on a
Speaker 4: day to day basis a monthly basis, and you start
Speaker 4: to calculate all of the things that that you don't
Speaker 4: really think about on a weekly, monthly basis, like the
Speaker 4: big insurance payment that you have towards end of the year,
Speaker 4: or your your property taxes that you have to come
Speaker 4: up with, or all of those things. So when we
Speaker 4: do the Retirement three sixty scorecard, we really go through
Speaker 4: an exercise of helping people take an inventory of everything
Speaker 4: that they're spending on a daily, weekly, monthly basis and
Speaker 4: really plug that into a plan because then you can
Speaker 4: really see how long is this pile of money that
Speaker 4: you've saved in your four one K going and last,
Speaker 4: how can you anneuitize that over a period of years
Speaker 4: or start to create that income plan so that you're
Speaker 4: getting a consistent amount every month and then still have
Speaker 4: some that when you need to replace a car or
Speaker 4: you have something go we're all into the house and
Speaker 4: need to replace the roof or something like that, you
Speaker 4: still have a big chunk that you can dole out
Speaker 4: for that too. So it is a strategy. It is
Speaker 4: a part of the plan is really coming up with
Speaker 4: that income plan and then that we call it the
Speaker 4: retirement three sixty game plan, where we look at everything
Speaker 4: from like you were talking about, the low wile ago,
Speaker 4: Medicare and insurance options and and your taxes. Tax planning
Speaker 4: is a huge part of this. So all of that
Speaker 4: kind of goes together in the planning.
Speaker 1: It's a pretty easy setup.
Speaker 2: You meet with them, you guys look at it, and
Speaker 2: then you kind of come back and say, hey, can
Speaker 2: we work together? And not all of the time that
Speaker 2: is the case. Sometimes it just doesn't work out. But
Speaker 2: you got to trust the people that you're putting your
Speaker 2: money in charge of. Because look, right now, I can't
Speaker 2: imagine if we were retired if this happened. But our car,
Speaker 2: we have a bundle of car and home insurance, and
Speaker 2: we switched companies last year and saved a bunch of money.
Speaker 2: Well guess what this year, it's up thirty percent from
Speaker 2: last year.
Speaker 1: Yeah.
Speaker 2: Now, now let's put it to pencil to paper here,
Speaker 2: how much money that is? If Jack and I are
Speaker 2: Jack and I are both working and doing really well,
Speaker 2: so it's not an issue we're like, oh damn, that sucks.
Speaker 1: We're moving on.
Speaker 2: But if we were both retired, that would be an issue.
Speaker 2: That our car and our home insurance went up thirty percent.
Speaker 4: How do you absorb that? How do you you know,
Speaker 4: how do you plan for that? I mean again, you know,
Speaker 4: when we build out a plan, we're going to take
Speaker 4: in consideration average inflation over the last hundred years. We're
Speaker 4: going to drive that in there. And uh it actually,
Speaker 4: you know that's gone up a little bit since we
Speaker 4: when we started are with the last couple of years
Speaker 4: of inflation and and everything, so that's driven that number up.
Speaker 4: But yeah, how do you how do you compensate for
Speaker 4: a thirty percent increase in one year? That's that's huge.
Speaker 4: So you have to have a strategy that that's going
Speaker 4: to get you to the baseline. And then meeting with
Speaker 4: us and meeting with your retirement coach on a consistent basis,
Speaker 4: you can, you can. You know, it's always like you
Speaker 4: had to pull an audible at the line. You have
Speaker 4: to figure out how to how to make that happen. Yeah, yeah,
Speaker 4: and uh and it works. I mean it's sometimes it's
Speaker 4: not easy, it's not comfortable, but it does work. And
Speaker 4: you just have to work through those those numbers. And
Speaker 4: that's what we've done for the last gosh, I've been
Speaker 4: doing this for forty year now, I guess is thirty nine.
Speaker 1: Years thirty nine so wow.
Speaker 4: And the team we've got it built out of the
Speaker 4: team we've got it at Mercurial Wealth Advisors, with Troy
Speaker 4: leading the team. I just can't express how confident and
Speaker 4: how how grateful I am having this team behind me
Speaker 4: and and and it works really good for Arklots.
Speaker 2: Louisville's Retirement Coach dot com or call the number, what's
Speaker 2: the number?
Speaker 4: Do you still remember it YEP two two seven, three,
Speaker 4: eleven eighty eight, all right or eleven eighty.
Speaker 2: Eight or Louisville's retirement coach dot com Plarl all right, man, Alan,
Speaker 2: I assume that you're in Florida.
Speaker 1: No are you here?
Speaker 2: No?
Speaker 4: I am actually in Florida right now. But which again,
Speaker 4: the team has allowed me to freedom to do that.
Speaker 2: Yes, you've been doing it thirty nine years. They give
Speaker 2: you a couple extra week's vacation.
Speaker 1: It's okay. Call them right now.
Speaker 2: Especially if you're scared of what's going to happen this,
Speaker 2: I mean here, new presidents and tariffs and all that.
Speaker 2: People are freaking out. Go talk to Mercurial Walt Advisors.
Speaker 2: They'll take care of you. I trust them, I love them.
Speaker 2: Go get go see him Louisville's retirement coach dot com.
Speaker 2: We'll talk to you, brother.
Speaker 4: Thank you, Tony.
Speaker 2: See by you back after this. Another guy I love
Speaker 2: is Marty Book from Carriage Ford. Well, he's kind of
Speaker 2: happy about his draw. Indiana will play at Notre Dame.
Speaker 2: But I can't imagine. Like John's at West Lofaette and
Speaker 2: he goes, it's cold here, Dad, he goes, But Notre
Speaker 2: Dame is a couple hours away. He goes, It's that's
Speaker 2: another level. He was like, it's freezing there all the time.
Speaker 2: So having Indiana to play in Notre Dame on December
Speaker 2: two weeks from now, so whatever, that is good luck.
Speaker 2: But Marty book at Earl Books, carriage Ford. The luck
Speaker 2: is all about buying new cars and trucks, Broncos, F
Speaker 2: one fifty My dream car now is the new FO
Speaker 2: and fifty.
Speaker 1: Love to get that bad boy, go see him. They
Speaker 1: have plenty.
Speaker 2: The Explorer is maybe the best suv ever made. And
Speaker 2: the Broncos are just cool. They look cool. Plus they
Speaker 2: got used cars too, man, a lot of them under
Speaker 2: ten thousand dollars. So to check them out. Carriage fod
Speaker 2: dot com or Lewis and Clark Parkway in Clarksville.
Speaker 1: Man, go see him.
Speaker 2: Carriage Ford, best buy a country mile back. After this
Speaker 2: on news Radio eight forty Whans, I was having fun
Speaker 2: with UK fans on Saturday night after the UK football
Speaker 2: or after the football games. I was like, oh, UK's
Speaker 2: playing Gonzago. Yeah, it's on the west coast. So it
Speaker 2: was late and they won, so I started making fun
Speaker 2: of them, basically saying, you know, well, it's football season.
Speaker 1: No one cares about basketball. Good luck, it's not being
Speaker 1: football season. About week four for.
Speaker 2: Kentucky fans, and and Jackie and I were watching and
Speaker 2: we said, we'll flip over and what's watching For a
Speaker 2: little bit, half the stadium in Seattle was UK fans.
Speaker 2: It's just like, where do they come from? It's sat
Speaker 2: sattel so cattle. No, you're trying to make up cat
Speaker 2: something in Seattle. Yeah, Seattle cattle, sat cattle, Sea cattle. Yeh,
Speaker 2: seacat yes. So one of the big Blue guys posted
Speaker 2: a picture of a father and son and he goes, no,
Speaker 2: he goes the kid's name is Kentucky. And he goes,
Speaker 2: not kidding. The kid's name officially is Kentucky. Oh boy,
Speaker 2: if you see the picture, you will go, yeah, that
Speaker 2: makes sense.
Speaker 1: I do have a list of baby names that people
Speaker 1: tried to talk loved ones out of using, Oh boy,
Speaker 1: that they used anyway. Then they used them anyway. I
Speaker 1: think so.
Speaker 2: But the picture that and I just said, this is
Speaker 2: why for so many years Louis Louisville fans kept trying
Speaker 2: to argue that they were on the same level of
Speaker 2: Kentucky fan. I'm like, no, you're not, dude, No you're not.
Speaker 2: And that's okay, dude, You're okay there, you're all right.
Speaker 2: You don't have to nobody is because that's crazy. Are
Speaker 2: you wearing a sweatshirt UK sweatshirt to my funeral?
Speaker 1: Yeah? What's my funeral sweatshirt? What do they call that?
Speaker 2: When you have two pieces of the UK gear on
Speaker 2: at the same time? Obsessive dual something?
Speaker 1: Right? Correct? Need a hobby, dude, this is my hobby.
Speaker 1: It's my life. You sell your house, save a bunch
Speaker 1: of money by all the gear you want. I remember
Speaker 1: when they came up with the UK caskets twenty years ago.
Speaker 2: And sold out. Yep, sold out. They can't make them
Speaker 2: fast enough.
Speaker 1: They are cat skits. Take a dollar out, thank you,
Speaker 1: take a dollar out. I like it.
Speaker 2: I like it, but their their fan base. Again, I
Speaker 2: was arguing more. I've been telling them, don't be stupid.
Speaker 2: Pull every dime you have in the football program. Forget basketball.
Speaker 1: It's dead.
Speaker 2: Basketball is dead sport. No one's playing in your league,
Speaker 2: nobody wants to coach it, no one watches it. The
Speaker 2: only time you watch it is the last two weeks
Speaker 2: of the year. I've tried to watch a few games.
Speaker 2: I haven't made it all the way through any I
Speaker 2: couldn't make it through louisvill Duke once once once.
Speaker 1: Uh, what's the new?
Speaker 2: Coach doesn't call time out? Down six everyone in the room,
Speaker 2: I'm screaming time out, time out. He doesn't call a timeout,
Speaker 2: goes to eight and you knew that was it.
Speaker 1: You go on. That's over games, over games, over Eland
Speaker 1: and Edland.
Speaker 2: If you are selling your home one percent commission rate,
Speaker 2: they buy sell whatever it is they got, got you
Speaker 2: covered real estate brokerage for over forty years. They've been
Speaker 2: doing the one percent commission rate for years. It's like
Speaker 2: it's fair, that's what it fair is. And if you're
Speaker 2: selling a half a million dollar house, you're talking twelve
Speaker 2: thousand dollars is going to be in your pocket instead
Speaker 2: of giving it to another real estate brokerage. Stop and
Speaker 2: you don't want to have or you don't want to
Speaker 2: call restate again and go, well, will you give me
Speaker 2: one you know, do it for one percent like Eland
Speaker 2: and Edland. You should say that, by the way. And
Speaker 2: if they don't, call Eland and England five nine nine
Speaker 2: twenty eight hundred, that's five nine nine twenty eight hundred
Speaker 2: or edland dot com back after this news radio eight
Speaker 2: forty whs late