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

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podcast where we talk to our friend and sponsor of

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the show, Zach Abraham from Bulwart Capital Management, and we

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have a very interesting topic to talk with you about today.

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Apparently there are more and more states that are now

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mandating or at least offering to have personal finance courses

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for high school students to help them kind of get

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ready to start adulting. And this is not something that

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I had in school. You are around our age, and

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so I'm assuming that you two didn't either. But what

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do you think about this, Zach? Is this a good

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time to get kids like you? Obviously this is your career.

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So when did you become interested in who taught you?

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Speaker 2: Yeah?

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Speaker 3: No, great question, and generally speaking, yeah, to me, it's

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all about the you know, the implementation and roll out

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and obviously the curriculum. But that being said, any I

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think any additional financial education is beneficial. I came to it, honestly.

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So my dad also had an investment firm.

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Speaker 2: So yeah, I grew up.

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Speaker 3: I grew up in the industry, and I I just

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remember from a well, there were two goals actually, I

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was either going to be an NFL player, or I

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was get to man his money.

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Speaker 4: Nfling didn't work out so well.

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Speaker 3: Well, you know, when you're five nine two oh five,

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you got to run a little bit faster than a

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four eight forty Yeah, and yeah that was about his

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and I and and I killed myself to get to

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a four eight forty two. I mean I was that

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was Hummet Green. Uh so no, so, yeah, it wasn't

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in the stars as they as they'd say, and so

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I probably, I mean, I figure I think i'd figured.

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Speaker 2: That out at about fifteen.

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Speaker 3: I was kind of looking around myself, looking around, going,

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uh I played against a couple of future NFL guys

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and you're kind of looking at them, going, Okay, that

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looks a lot different.

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Speaker 4: Yeah, uh so your dad, but your dad taught you

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like you you did, you say, from an early age,

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which not.

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Speaker 2: Really, I mean, it wasn't.

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Speaker 3: It wasn't like there was no there was no Warren

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Buffett story. I was more into sports in terms of

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a pastime. So I never operated a business. There were

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little things that we did here and there to make

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some money. I was actually always just very intrigued by

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the stock market, and I don't know why. And it's

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funny because when I now from where I'm at looking back,

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I realized how bizarre it was, but especially for somebody

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that young age. I was just mesmerized with the concept

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of value, investing, investing in something that everybody had thrown

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away and said is worthless. And and you know, realizing that,

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wait a second, there's a substantial value here. So no,

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I think that it's it's I think it is more

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needed today than ever before, because I think that culture

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has been taken over by you know, there's so many

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ways that kids had inputs of information, right, whether it

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was going down to the soda fountain and I'm now

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I'm sounding really old here and I did, I'm not

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old to have hung out, but you know what I mean,

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there were there were these There were these environmental or

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or cultural or community type touch points that you'd have

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as a kid that just don't exist today. Right, Like so,

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for instance, the neighborhood we just moved out of, uh

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a wonderful place, but you drive through it, it's full

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of families.

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Speaker 2: Wouldn't see a.

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Speaker 3: Kids play outside, right, And so the the information that

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kids are interacting with and confronting is just is very different.

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And you can see it like, for instance, nobody is

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out there teaching people about compounded interest, right, We're we're

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got you know this coin and that coin and mean

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coins and everything is about you know, looking the part

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and owning this and owning that and you know the

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things that kids need to really be taught is again

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all sound old, but understanding the difference between money and

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cash flow, right, understanding the difference, and you have a

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you have a pile of money here, but the question

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you should be asking yourself is what kind of stream

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of income.

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Speaker 2: Can that pist?

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Speaker 3: I love money generating, right, instead of thinking about nominal mounts,

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thinking about generating cash flows or buying cash flows and

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deep discounts, and also teaching them and anybody that is well,

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I shouldn't say anybody. There's some people that skip the rules,

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but like those are always exceptions. If you look at

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anybody that achieves anything substantially financial, it always typically starts

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with discipline, right, And what you try to do is

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get those kids, and I've done it with employees and

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other people in my family. Where you go, Listen, I

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need you to quit seeing this as discipline and hard,

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and I need you to start seeing it as your advantage. Right,

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we want you to disconnect from the hard wire input

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that culture's got in there telling you that you need

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all these things and indebting you in the process understanding

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what the credit.

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Speaker 2: Bureau really is. Right, when you step back.

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Speaker 3: And look at this consumer system, it's about modern usory.

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It's about enslavement period, end of story. Right, your credit

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score was I actually had to go back in and

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open a couple additional credit lines so I could get

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the best mortgage rate because I didn't have enough credit.

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Speaker 4: Yeah. Right, So like but tangibly, when you talk to

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your kids, like because you have three children, right, you

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have three? Okay, when you talk to your kids, like,

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do you how do you weave financial like all your

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financial expertise into their daily lives? Like do you make

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them get a checking account at a certain age? Do

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you teach them about saving? Like that's because as a parent,

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you know, I didn't have parents that taught me how

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to do this stuff, and so I look now, I'm like, okay,

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so we need to do better with our kids. Well,

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we have two older kids, one is thirty five and

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one's thirty and they're they're doing great, and they understand

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how to save because we told them, don't make the

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same mistakes that we made when we were young. So

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they've learnt from our mistakes, and I think the fifteen

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year old will do the same. But like from a

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tangible day to day perspective, like what would you tell

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a parent if they were new? How how do you,

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you know, teach a kid about managing money? Should they

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get a checking account at like twelve or something?

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Speaker 2: How do you do that?

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Speaker 1: And you should they even bother with like balancing a

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checkbook or ey? Does that even matter anymore?

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Speaker 4: Don't know what I mean? Right, You're right?

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Speaker 2: Yah, Yeah, I'm a shamed to men. I haven't balanced checkbooks.

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Speaker 4: It's been on me too, right Yeah.

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Speaker 3: And my wife handles the bill paying and stuff like that.

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So so I a few different answers here. I think

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there's multiple different ways that you approach it, and I

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don't think it's anywhere near as complicated as people think.

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So with my own kids, honestly, I think the major

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We actually had a conversation about it last night, and

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I have a policy with them that as long as

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I know that the information stays inside the house, we'll

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be honest with them about anything financial.

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Speaker 2: And there's two.

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Speaker 3: Yeah, there have been multiple times like last night where

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my daughter goes, Dad, what's your net worth? And I'm going,

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you know what, this is the last thing on earth

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I want to tell her. You know, because it's a

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business owner, you're network. Depending on how you look at it,

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it can look one way or the other. But you know,

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we made her that deal. And and I think that

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that naturally makes the kids a little bit more engaged

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because they know that they're going to get real information

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and they try to synthesize it and things like that.

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The other thing we've done with them is open them

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investing accounts, so I think through thing called green light,

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where we'll sit down and pick out box.

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Speaker 2: Yeah, we don't do it super religiously at all.

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Speaker 3: If we pop open the kid's stock accounts once a quarter,

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But the whole concept was getting them to understand, you

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know what I do.

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Speaker 2: And like I said, the biggest thing, the biggest, number one.

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Speaker 3: Thing that parents can do is point out the difference

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between being in debt and owning assets. When I deal

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with people, I've got clients who've got incredible levels of

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financial sophistication, and I've got clients that don't and that

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level of sophistication has very little correlation with their net worth. Right,

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the number one correlated thing I see to our clients

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with the highest networks are clients that avoided debt and

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stayed out right, stayed cash rich. Right, they owned their assets,

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their assets didn't own them. And there's so many different

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reasons why that occurs.

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Speaker 2: Right.

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Speaker 3: One of the biggest reasons why that's so advantageous is

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when extremely good buying opportunities come along, i e.

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Speaker 2: In recessions or i e. In economic problems.

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Speaker 3: Because you're not levered, you can take advantage when everybody

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else is just stuck like chuck because they're levered their income, right,

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they're spending one hundred and twenty percent of what they make.

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They're hoping they don't get a pay cuck, because they

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don't how they're going to afford it that right, How

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being unlevered is how you take advantage of these situations

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and teaching them.

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Speaker 2: Who hears all of these idio it's around you are

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drowning in debt? Why to impress them? Right?

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Speaker 4: Yeah, but even like mock, when when I know when

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your son went to college, like you have to sit

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down with them and We do this with our youngest too,

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more so probably than we did with the older ones.

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But we sit down with them and we say, okay,

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like kind of like what you say, you know, debt

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and all that, but also like, this is what things cost, right.

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I think a lot of kids don't even understand that. Like,

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like my daughter asked me the other day, she goes,

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what's a mortgage? And I had to explain that to

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her and she's like, wait, so you don't actually own

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your house? And I'm like, well, technically, and then we

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need to get that whole discussion. But kids, if you

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just if you tell them about the everyday tangible things

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that are in your life. I think we've done that,

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more so the youngest one, but she asks a lot

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more questions and then it opens up the conversation and

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then it becomes this discussion of what are you going

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to be paying in rent? One day you're gonna have

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to pay a power bill or you're gonna have to

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pay a water bill. And she's like, you do you

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have to pay for water? I mean, this is the

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kind of bills right. And I know that you went

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through that with your son too, Mary, when he went

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off to college. It's like, here are the things you're

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going to have to that actually are paid for you

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right now, but you're going to eventually have to pay

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for these things. And then it's you know, it's so you.

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Speaker 1: Need to find a job that pays you at least

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this amount. If you want a certain lifestyle, then get ready.

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Speaker 4: Yeah. Yeah.

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Speaker 3: I had this conversation with a couple of young one

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of my younger cousins and her friend, and we were

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talking about the other thing too. To bring up to it,

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and we were talking about with my daughter the other

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night and this story I was about to tell you,

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but also dating right, like who are you dating? We

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were telling who you're around is the number one differentiator

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of who you're going to become. Yes, And it's never

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more true in your spouse. And I was explaining to

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my daughter, is the money the most important thing?

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Speaker 1: No?

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Speaker 3: No, Integrity, loving God, being a compassionate prison much more

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important to us. But at the same time, I said,

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you also need to be honest with yourself, meaning you've

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grown up in such a way. Okay, so do not

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expect that same lifestyle if you go if you go

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to a guy that wants to work at middle management

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at Luyte Tousch, right, like right, it's just not And

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then for you to have those expectations isn't fair to

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the spouse, which these dynamics cost.

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Speaker 2: What we're probably over half of divorces in the count,

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you know what I mean.

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Speaker 3: And and just having those anecdotal discussions and pointing out listen,

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you know these these choices you're making, and whether you

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understand this or not has such a big implication. And

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also do you understand that you don't Everybody doesn't just

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get born and slide into.

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Speaker 2: A position like you're current.

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Speaker 3: Right, this isn't guaranteed to you. Right, we live a

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different existence. And what's funny is a lot of us

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don't think we do. But if you start breaking down

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like global averages, everybody listening to this podcast or probably

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ninety eight ninety nine percent of you are in the

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top three percent globally financially, right, yeah, yeah, and you know,

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you break down the hard data, and that's going to

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be where you're at. And just explaining to the kids,

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like you guys said, what everything costs, what inflation.

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Speaker 2: Is, right, the value of a dollar, hard work, you know,

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just all these things, and.

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Speaker 1: I don't think because prying yourself first.

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Speaker 2: Right, bring yourself first.

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Speaker 3: Yes, But the number one thing, like I just I'll

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always go back to this is restraint. Do not spend

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money that isn't yours to impress people that don't care about.

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Speaker 4: You, right, agreed. I totally agree with that.

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Speaker 3: Yeah, and also understanding what millionaires really look like. I

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tell this story one hundred percent of time, and I

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had wonderful examples in my life. But you know we

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currently now, we've got eighteen employees manage eight hundred million dollars.

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People are like, you gotta spend money to make money.

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I was rounding up all the initial clients from Bulwark

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driving a two thousand and one Ford Focus Hatch back

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forward or Yeah, with one hundred ninety.

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Speaker 2: Thousand miles on it.

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Speaker 3: Those people that say you need money, nonsense, it's a

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substitution for work. Don't listen to them. Get out there,

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buster your tail. The older people will actually be impressed

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that you're not spending your money on that stuff because

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game recognizes game right, right, and then you start attracting

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the right people too.

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Speaker 4: I love that advice.

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Speaker 1: I love that absolutely love me, and you're going to

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always have great advice and It's why it's so cool

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that you do these regular seminars for folks. To the webinars,

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I should say, so, how can people.

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Speaker 4: Get in on that action?

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Speaker 3: It is actually exceptionally easy, so you could. This is

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code to Bulwark Capitalmanagement dot com. We got a prompt

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that will pop up on the screen. Again, these are

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free of costs. We don't twist any arms, run you

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through our process. What we see are the risks out

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there today as well as the opportunities. And if you're interested,

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you can book appointment, talk to me or one of

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our other advisors and if it works, great, you got

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a client and you're not sending your money to Vanguard Blackrock.

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That's another bonus, right, So yeah, I know your Risk

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Radio dot com, Org Capitalmanagement dot com. Just google us

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and we're not hard to find.

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Speaker 4: Awesome. Thank you, Zach, Thank you ladies.

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Speaker 3: Reservices offered through Trek Financial LLC n SEC Registered investment Advisor.

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The opinions expressed in this program or for general informational

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purposes only, and are not intended to provide specific advice

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or recommendations for any individual orund any specific security. Any

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references to performance of security so are thought to be

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materially accurate, and actual.

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Speaker 2: Performance may different. Investments involve risk and are not guaranteed.

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Past performance doesn't guarantee future results. Track twenty four to

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three zero