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Speaker 1: You need a twelve month emergency fund. And if you

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have all of that stuff in place and you don't

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have credit card debt, then you start to figure out

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what you can actually afford to spend your money on.

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But you've got to put the household budget into place.

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We need to run our households like small businesses easily. Easily,

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you know, twenty five fifty, maybe one hundred transactions every

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single week. Again, if you have children, it could be

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much much higher than that.

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Speaker 2: You're listening to Carrie Let'sa's Financial Survival Network where you

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get valuable information. You just can't find anywhere else to

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

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Network now more than ever. Go to Financial Survivalnetwork dot

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com and get your free newsletter and gift. Financial Survival

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Network now more than ever.

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Speaker 3: Ed Welcome.

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Speaker 4: You aren't listening to the Financial Survival Network. I'm your host,

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Kerry Let's Hey, it's only December third. We're just getting

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into the season. You know, it's the season to be

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buying fa la la la la. Deck the halls with advertising,

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and you've got to protect yourself because they're biohacking you.

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You don't even know they're doing it, but they're doing

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it things like buy now, pay later and all that

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good stuff. And our good friend Paul Ausker is with

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us now from better Qualified dot com. You got a

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question for myself or fall, please shoot me an email

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k el at kerry Let's dot com. Paul, welcome back.

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So is the season to be buying and going in

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deeper into debt? And now that the election's over, at

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least some portion of the population seems to be very

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happy about it. And what can we expect here?

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Speaker 1: Well, unfortunately, I think we're going to expect, you know,

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the same thing that happened last year, that a lot

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of consumers are going to wake up with a hangover

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in January. And it's not going to be from you know,

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the Christmas punch. It's going to be from putting more

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money on their credit cards, increasing their credit card balances.

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You know, it's almost like this, you know, cyclical every year,

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people in a crisis or in a crisis mode at

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this point in time, and they just fall back and

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again lean on credit cards. They lean on you know.

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Now you have this buy now, pay later option which

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seems almost too good to be true, and it is

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right they make it seamless, you get approved instantly. But

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the problem is, you know, just like when they had

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first introduced credit cards, where you get asked, you know,

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if you want to get a discount on your purchases today,

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all you have to do is apply for a point

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of sale credit card. And these are marketing geniuses, So

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what they know are two things. A, You're going to

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spend more money than you normally would if you open

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that card or you do something through buy now, Pay later,

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And B you're ultimately going to carry a balance and

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you're paying you know, interest rates probably above twenty percent

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at this point. So whatever discounts that you get, whatever

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you know, uh, motivation that you had when you when

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you open the card or you use to buy now,

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pay later program, it just quickly gets eaten up and

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washed away and consumers are left, you know, holding the

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bag or holding the gift, so to speak. Look, there

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are some consumers carry that still have debt on their

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credit cards from last holiday season, and this is not

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an uncommon, you know situation. You I'm sure you've seen.

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Credit card debt is growing and raising at a rate

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that we've never seen before. So it's a very very

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scary situation.

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Speaker 3: Credit cards going like government.

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Speaker 4: Debts going up, and it's unsustainable and really like on

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a macro level, it's unsustainable. On a micro level, you

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can do things to deal with your consumer debt and

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make it go away.

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Speaker 3: Right.

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Speaker 1: Well, yeah, so the first thing is that when people

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are coming into this holiday season and look, we're already

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in it. We we all. You know, cost Go had

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had Christmas stuff up I think around Halloween, right, so

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this elongate.

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Speaker 3: I thought it was Labor Day. This year they Christmas.

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Speaker 1: Yeah, so it's it's certainly an extended you know, buying season,

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and that only leads to consumers again spending more money.

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I spoke the other day. Uh, I was on the

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news and they were asking me about Cyber Monday. But

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Cyber Monday Day is now Cyber Monday, Tuesday, Wednesday, Thursday.

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Look at Black Friday, they don't really call it Black Friday.

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It's now Black Friday week, right, So Amazon and all

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the online giants, it's not just one day anymore. It's

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an entire week to entice people to spend money that

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they don't have. And again, the average consumer, they don't understand,

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you know, credit cards are the gift that keep on taking,

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not keep on giving. So you know, we have to

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have a budget. How much money can you actually afford

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to spend on gifts this holiday season? And that answer

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maybe zero. If you have any credit card debt on

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your credit cards right now. This might be the year

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that you make something or bake something. And this is

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something else that I've been stressing. If you give somebody

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a personalized gift, if it costs you five dollars, you know,

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maybe their favorite thing, isanut, butter, or chocolate. If you

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give that person a really personable, customized gift, they will

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remember that you made them feel good. Think about the

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gifts that you got last year. You might not be

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able to remember anything that you actually got or who

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gave it to you. So we really have to take

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a step back and be disciplined this year. Again, I've

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heard this coming into this season, Paul. We've been down

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this road before and we always seem to, you know,

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pull ourselves out of it. But this is a very

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very different road. There are more twists and turns. We're

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traveling at warp speed, and there are just that many

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more potholes you know that we're going to hit along

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the way. So it's up to us as individuals figure

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out the number. If the number zero, well then start

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making cards, start doing things to help people, and figure

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it out that way. If the number is two hundred, okay,

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now how many people are on you know, your good list?

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And divide that number up. If you've divided equally, it's

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easy if you have to, you know, give a couple

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of people a little bit more than just do it

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that way. But if you go in and you just

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have a number of people in your head names and

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you're going to pick out the gifts online or when

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you get to the store, that is just simply not

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the way.

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Speaker 3: To do it. Yeah.

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Speaker 4: Yeah, So the budget thing, when you have somebody come

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in and you know what's going on with them, how

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do you help somebody create a budget who's never had

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one in their lives.

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Speaker 1: It's actually really simple. It's much easier said than done.

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But look, this is not complicated. I'm not saying it's easy,

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but it's not complicated. You have to figure out basically,

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we're all on a fixed income. If your income varies,

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take the last twenty four months and you know, divide

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it up by twenty four and that'll be your monthly income.

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And then you have to figure out your expenses, and

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I mean all of your expenses. You and I had

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one of the last shows recently that we talked about

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we've become this nation of subscriptions, and the average household

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is now over two hundred dollars a month in subscriptions Netflix, Spotify, Hulu, Roadblocks, Xbox,

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PS three. It just goes on and on and on. Then,

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if you have a couple of kids, you're easily over

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two hundred bucks a month in subscriptions. So figure out

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how to cancel your subscriptions. Again, you and I spoke

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about it. You don't need a company, You don't need

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to pay a subscription to a company to figure out

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how many subscriptions you actually have. Do it on your own.

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Go through your credit card statements and your bank statements

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and figure out what you're spending your money on every

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single month. And then it's just a it's a numbers game.

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This is how much money I take home. It's not

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gross pay, it's net after taxes. This is how much

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income and revenue is coming into my household. These are

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our expenses. Are you putting money into a retirement plan?

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Do you have we used to say a six month

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emergency fund. We all now know that's not enough time.

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You need a twelve month emergency fund. And if you

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have all of that stuff in place and you don't

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have credit card debt, then you start to figure out

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what you can actually afford to spend your money on.

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But you've got to put the household budget into place.

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We need to run our households like small businesses easily easily,

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you know, twenty five fifty maybe one hundred transactions every

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single week. Again, if you have children, it could be

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much much higher than that. Who is the CFO of

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your household? Who's watching the numbers to make sure you

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can't figure out after you know everyone has spent the money.

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Oh dad, by the way, Uh, you know I needed

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new tires. Oh, by the way, we had to do this,

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by the way, we and then at the end of

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the month we're like, wait a second, we went way

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way over our budget. So someone has to be watching

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this and monitoring it almost on a daily basis for sure. Again, unfortunately,

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spend more. Most people spend more time on social media

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and doing all the things that you know aren't going

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to help them. So you got to help yourself.

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Speaker 3: Yeah, yeah, I love it.

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Speaker 4: And it's too common sense, right, and but common sense

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is in very scarce supply these days, isn't it.

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Speaker 1: Common sense always isn't always common So and look when

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we talk about budgets too, Carrie, I now say you

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need you need two budgets because one is the money,

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the other one is time. The amount of people right

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now consumer are spending an average of six hours a

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week shopping online, and that number goes way up during

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the holiday season. Six hours of our lives every single

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week are spent shopping online. That's crazy. So you have

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to budget your money and you have to budget your time.

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Do not go down these you know, rabbit holes looking

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you know, what's the next best thing, what's the latest

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and greatest, what's the shiniest thing? Oh, look over here,

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look over there. You can get pinged back and forth,

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you know again, for hours and hours and hours looking

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for a gift or something for yourself. Look, if you

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need something, you find it within minutes. If you're just

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browsing and looking and hoping that something pops up again,

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you could be hours into that exercise. And by the way,

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you know, probably wasting your hard earned money when you

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actually click you know.

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Speaker 3: Now, Yeah, so true, Wow, so true.

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Speaker 4: The case of the out of preventions with the with

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the bankruptcy filing.

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Speaker 1: Right, and again, I always talk about consumers. You know,

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credit card debt is really really hurting us five thousand

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dollars if you only and right now, the average person

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is over six thousand dollars in credit card debt. If

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you have five thousand dollars in credit card debts and

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you only pay the minimum payment towards that credit card,

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it'll take you almost thirty years. That is not an exaggeration.

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It's going to take you about thirty years to pay

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it off, and it's going to wind up costing you

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over twenty thousand dollars. Think about that. Those are those

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are real numbers. That's real time. So the problem is

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it's become painless. Apple pay, I mean I think there's

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I think it's already available.

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Speaker 3: Now.

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Speaker 1: You can pay with scanning the palm of your hand,

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your fingerprints, clicks of a button.

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Speaker 3: You know.

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Speaker 4: Again, I want to pay by sitting in their faces.

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Can we do that?

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Speaker 1: Yeah? Well, but then you're going to have to pay

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a lawyer and you have to post bail. So you

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got to be careful, got to be really really careful.

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Speaker 4: But yeah, like you go to Whole Food and you

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can so you can pay biometrically. I refuse to do that.

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It's like I can take out my iPhone and scan

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it or my watch.

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Speaker 3: I don't need to be doing that.

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Speaker 4: But you know, one serious note, like there is a

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watch dog out there that does perfect you as a consumer.

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Speaker 3: And we could.

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Speaker 4: Debate how effective they've been since their formation in two

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thousand and eight. It was Liz Warren's little brainchild called

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the Consumer Financial Protection Bureau and spent a lot of

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the existence mired and litigation. They have done some things,

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arguably to help consumers. A lot of what they've done

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is completely useless. What's you know, the incoming and men

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want to kind.

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Speaker 3: Of do away with this organization.

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Speaker 4: They say it's torments and torture banks.

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Speaker 3: What's you're feeling about it?

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Speaker 1: Well, you know, I think it's like everything right. They

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you just mentioned that they have done some good things.

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One of the things, because we're you know, very very

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involved in the real estate industry, they're going after data

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brokers who literally have access, unbeknownst to us, to our

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most sensitive non public information, our names, our addresses, dates

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of birth, so security numbers. Those things get sold. Are

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our annual household incomes? All of this stuff, how many

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bank accounts we have, Do we have a checkings or

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savings account? All that information is sold to other marketing

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companies without our knowledge. And we just had one of

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the biggest data breaches in history. And again I think

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you and I I spoke about it. It almost got

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no fanfare. It wasn't picked up. It wasn't people weren't

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screaming from the tops of their lungs that some third

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party data broker who should never have had access to

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over two hundred million files again with all of that

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very sensitive, sensitive data, and they failed to change the

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password on their website. They used the default password when

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they when they accepted that file and access, you know,

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to that to that information, didn't change the password. I mean,

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it was like the cyber security criminals must have been like,

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this is this is crazy.

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Speaker 3: They must have.

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Speaker 1: Thought it was like clickbait or something like, there's no

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way they didn't change the password. But it came up.

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You know, when they run their scans, there's an actual

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software that will tell you this person didn't change the

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default password, there's still using the same password that was

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given to them when they open the account, and it

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just makes it very very simple for people to gain access.

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So the CFPP is going after data brokers, specifically within

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the real estate industry. When you apply for a mortgage,

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when you fill out an application, when someone pulls your credit,

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it's called the trigger lead. That information then gets sold

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to other banks and companies without your permission. So that's

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one of the good things they've done. But unfortunately, like

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you said, what we've talked about, they also impose a

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tremendous and maybe a ridiculous amount of restrictions and you know,

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they put all of these you know, things in place,

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and it really hinders our ability and the bank's ability

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to lend money for people to start new businesses. So

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I think the organization has to be cleaned up. I

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think they're a ridge. You know, maybe the original intent

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we've lost. They've lost their way, right, So they got

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to go back to protecting the consumers from the bad guys,

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the real bad guys, and you know, not be involved

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in every single you know, in corporate America the way

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that they have been.

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Speaker 4: Yeah, agreed, agreed, you know, the overreach, and you know

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they're they're very existent from the get go.

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Speaker 3: Is really in question.

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Speaker 4: It comes from attacks on federal institutions that never even gets.

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Speaker 3: Allocated by Congress.

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Speaker 4: And you know, the Supreme Court partially partially turned them

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down that they weren't constitutional. But if they picked that,

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and you know, like one of the things I am

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from the government, I'm here.

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Speaker 1: To help you, Paul, Yeah, with smoking mirrors and one

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hand out this side and taking the money you know,

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00:18:01,680 --> 00:18:05,200
directly or indirectly out of your pockets with the other hand, so.

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Speaker 4: Rain in these credit card rates which are absolutely outrageous.

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And because that I can get twenty plus percent interest,

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they won't make loans businesses, you know, they allocate their

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funds toorts, computers towards consumers rather and that's really the

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worst thing for the economy, isn't it.

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Speaker 3: It is?

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Speaker 1: And look, I've now been saying this when I've really

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started to step back and take a look how that

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industry has been behaving and the fees and the amount

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of money that they've been making, and they just keep

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pushing the envelope right, And when you think about it,

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they're doing that because there is about to be a dramatic,

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you know, change in the way that we pay for things.

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You have companies like Plaid and Stripe and Haypal and

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zell and it's going to be bank to bank without

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paying the middleman. And the middleman are are you know,

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the big big credit card companies Visa, MasterCard, Amex, Why

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do I need Why do I need to pay them?

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You know, especially debit cards, debit cards that are credit cards.

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You know the merchant has to pay a transaction fee.

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Why that money is coming directly out of my checking account. So, uh,

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there's going to be very, very sooner than later, a

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dramatic shift in the way that we pay for goods

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and services, and the credit card companies might become extinct obsolete.

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We don't really need them at this point in time.

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There are technologies and softwares that that they can, you know,

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verify and validate that you have the money in your

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account in milliseconds. So it'll be bank to bank with

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minimal or no fees for sure. So these credit card

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companies are saying, we better make as much money as

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we possibly can right now. Until the government steps in

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and stops us or finds us, they're just going to

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continue to push the envelope, and unfortunately consumers and merchants

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who accept credit cards will wind up paying the price.

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And look, you saw it. One of the really really

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bad things that happened, you know, after COVID is now

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the merchants figured out, well, why don't I just pass

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00:20:35,319 --> 00:20:39,480
that fee on to my consumer? And now that's so

341
00:20:39,759 --> 00:20:43,400
many merchants are doing it. There's no pushback from the consumer.

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Everyone just says, oh yeah, it says it right on

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00:20:46,000 --> 00:20:48,200
the bottom. If you're using a credit card, you're going

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to pay three point eight percent, you're going to pay

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00:20:50,119 --> 00:20:54,319
four percent, whatever that number is. The merchants are now

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just passing that on to the consumer, and we don't

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need it right now. Right One of the other things

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00:21:00,519 --> 00:21:03,079
that we have to you know, consider and talk about.

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Interest rates are coming down, albeit slowly, but I know,

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00:21:09,079 --> 00:21:13,680
you know, the cost of goods and services hasn't changed

351
00:21:13,720 --> 00:21:17,480
at all. It's probably ticked up even more so. Inflation

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00:21:17,640 --> 00:21:21,200
is still a real, real, real concern, uh for not

353
00:21:21,279 --> 00:21:24,039
just myself, but you know many of the other analysts

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00:21:24,079 --> 00:21:27,799
that are out there. The cost of goods and services

355
00:21:28,519 --> 00:21:33,559
have increased so quickly over the past two years. The

356
00:21:33,599 --> 00:21:37,359
average family is paying well over five hundred dollars for

357
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the same exact goods and services that they were paying

358
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for two years ago. Now, when you couple that coming

359
00:21:44,799 --> 00:21:49,039
into the holiday season with hidden expenses, the cost of

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00:21:49,200 --> 00:21:53,039
going out restaurants have you know, the price to go

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00:21:53,160 --> 00:21:56,799
out to eat has jumped. You know, it's double digits.

362
00:21:56,960 --> 00:21:59,720
It's not it's not three percent, it's not the rate

363
00:21:59,759 --> 00:22:04,720
of it's eighteen percent, twenty two percent. So all of

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00:22:04,759 --> 00:22:08,759
those hidden expenses. Travel is way up, you know, clothing,

365
00:22:09,519 --> 00:22:13,119
everything costs that much more. And during the holiday season,

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all of those activities you know, have a tendency to

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00:22:16,839 --> 00:22:21,160
increase along with just spending money on gifts. So it's

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00:22:21,200 --> 00:22:30,759
all those hidden expenses that come into the holiday season again, uh, recreation, socializing, travel, clothing.

369
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You just really really have to be careful here.

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Speaker 4: Yeah, they're a target. Well, I find it interesting that

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00:22:37,960 --> 00:22:41,000
the credit card business to exist because right now, if

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00:22:41,000 --> 00:22:44,839
you have a phone, you know, Apple can just go

373
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right to the bank. They don't really use I mean,

374
00:22:49,920 --> 00:22:52,759
I guess these are after card get their cut no

375
00:22:52,799 --> 00:22:57,960
matter what. But Apple doesn't need doesn't care what it said,

376
00:22:58,119 --> 00:23:02,119
whether it's these are a Master car American Express. They

377
00:23:02,160 --> 00:23:05,079
can just go right to the bank, any bank in

378
00:23:05,119 --> 00:23:10,400
the country that's in their network Apple Pay, and they're

379
00:23:10,680 --> 00:23:13,680
taking the money. But with all these other ways to pay,

380
00:23:14,160 --> 00:23:15,440
the sult's going to be gone to.

381
00:23:15,640 --> 00:23:19,400
Speaker 1: You know, there's no doubt. So you know that's that's

382
00:23:19,440 --> 00:23:24,039
like the perfect example. Sooner than later, Apple's going to say,

383
00:23:24,640 --> 00:23:27,440
we do not have to pay visa for that transaction.

384
00:23:28,000 --> 00:23:32,119
We can be linked directly to every consumer who uses

385
00:23:32,160 --> 00:23:35,000
Apple Pay, we can be linked directly to their bank

386
00:23:35,279 --> 00:23:39,640
again through plaids Strip, there's other companies out there, Finicity,

387
00:23:41,319 --> 00:23:43,279
and they'll verify that the funds are there and the

388
00:23:43,319 --> 00:23:46,920
transaction will go through. You don't have to pay literally

389
00:23:47,359 --> 00:23:52,599
three percent on every single transaction. And when it's Starbucks

390
00:23:53,079 --> 00:23:56,400
or you know, ten Bucks here it all adds up.

391
00:23:56,960 --> 00:23:59,160
But then when you start to think about people are

392
00:23:59,160 --> 00:24:02,960
putting big ticket items on their credit cards, it's it

393
00:24:03,039 --> 00:24:06,559
could be hundreds of dollars in transaction fees. Why do

394
00:24:06,680 --> 00:24:08,359
I have to pay that much? It's not like they

395
00:24:08,400 --> 00:24:11,960
have to. It's not like digging a hole. The bank

396
00:24:12,079 --> 00:24:15,279
and the credit card company don't have to work harder

397
00:24:16,200 --> 00:24:20,559
to process a transaction that's that much more money. It's

398
00:24:20,559 --> 00:24:23,279
the same amount of work, same amount of software and

399
00:24:23,400 --> 00:24:26,799
effort that has to go into it, and yet they

400
00:24:26,880 --> 00:24:30,079
charged the same the same They charge the same percentage

401
00:24:30,680 --> 00:24:34,640
transaction fee, whether it's two dollars or two thousand dollars.

402
00:24:35,559 --> 00:24:38,160
Speaker 4: I couldn't agree with you more. It's a big grip.

403
00:24:39,000 --> 00:24:41,599
Maybe you didn't start out as a grif because originally,

404
00:24:41,799 --> 00:24:43,079
you know, credit cards, it was.

405
00:24:43,079 --> 00:24:46,200
Speaker 3: All about convenience. You didn't have to carry the cash.

406
00:24:47,039 --> 00:24:51,119
Speaker 4: And then you know, even the original American Express cards

407
00:24:51,119 --> 00:24:55,319
were not credit cards, they were charge cards a lot different.

408
00:24:55,359 --> 00:24:58,799
So I think we'll go back to some charging medium,

409
00:24:59,279 --> 00:25:00,079
whether it's the.

410
00:25:00,240 --> 00:25:02,599
Speaker 3: Apple Pay or whatever it might be.

411
00:25:02,720 --> 00:25:06,000
Speaker 1: You know, that's right. We're never going to go We're

412
00:25:06,119 --> 00:25:11,039
never going to sacrifice the convenience that we've all have

413
00:25:11,200 --> 00:25:14,640
now been accustomed to. So you don't walk around with cash,

414
00:25:14,640 --> 00:25:17,319
you can literally carry your phone, you don't even need

415
00:25:17,359 --> 00:25:21,079
the physical card anymore. None of that stuff's going away.

416
00:25:21,200 --> 00:25:25,599
It's just going to be how it's processed. And again,

417
00:25:25,759 --> 00:25:27,799
it could be a very very good thing, or should

418
00:25:27,799 --> 00:25:31,279
be a very very good thing for the consumer. And

419
00:25:31,319 --> 00:25:35,000
you're right, you know, the story about the diners Club card,

420
00:25:35,079 --> 00:25:38,559
which was the first credit's been around forever right, you

421
00:25:38,599 --> 00:25:43,920
could go back to the early early seventeen eighteen hundreds

422
00:25:43,960 --> 00:25:48,359
and credit was being used, you know back then. Now

423
00:25:49,200 --> 00:25:51,480
it's just gotten to a point. The day that the

424
00:25:51,519 --> 00:25:55,960
banks figured out we can allow the consumer to carry

425
00:25:56,000 --> 00:25:58,599
a balance and charge them interest on it, that was

426
00:25:58,640 --> 00:26:02,599
a really bad day in this So it's not having

427
00:26:02,599 --> 00:26:05,640
a card for convenience. You don't have you don't have

428
00:26:05,880 --> 00:26:08,319
enough cash on you, or you don't have enough cash

429
00:26:08,400 --> 00:26:12,000
in your account right now, but you need to make

430
00:26:12,039 --> 00:26:15,480
this purchase. So you used a charge card and you

431
00:26:15,480 --> 00:26:17,480
have thirty days to pay it off. That's what we

432
00:26:17,519 --> 00:26:17,960
need to do.

433
00:26:18,759 --> 00:26:22,400
Speaker 4: Yeah, yeah, yeah, and yeah, it's amazing. You know, I

434
00:26:22,640 --> 00:26:26,640
just went to Europe to visit my son and it's

435
00:26:26,680 --> 00:26:30,599
the first time. Well, I've never even changed any money.

436
00:26:31,160 --> 00:26:34,799
I didn't change anything because every place I just swipe

437
00:26:35,400 --> 00:26:37,440
you know, my iPhone and I.

438
00:26:37,400 --> 00:26:40,920
Speaker 3: Have the wallet. Whether you have a Google Android, that

439
00:26:40,960 --> 00:26:42,839
doesn't really matter. And I never.

440
00:26:42,799 --> 00:26:47,319
Speaker 4: Converted any currency. I've never done that before anytime on

441
00:26:47,400 --> 00:26:48,920
a trip overseas.

442
00:26:49,240 --> 00:26:52,200
Speaker 1: Yep, Nope, then you shouldn't have to. You shouldn't have

443
00:26:52,240 --> 00:26:53,960
to if I didn't.

444
00:26:53,640 --> 00:26:59,279
Speaker 4: Do it, and nobody even now I carried.

445
00:26:58,960 --> 00:27:01,079
Speaker 3: Cash, even though I know, you know.

446
00:27:01,079 --> 00:27:04,279
Speaker 4: You use it to pay Yesterday, I pay for my

447
00:27:04,359 --> 00:27:09,400
haircut and I pay for the need and that's the

448
00:27:09,440 --> 00:27:10,480
only thing I really use.

449
00:27:10,799 --> 00:27:14,759
Speaker 1: Well, you know, I hope your listeners, you know, take

450
00:27:14,799 --> 00:27:19,279
that advice and try and adopt, you know, that that

451
00:27:19,599 --> 00:27:26,359
lifestyle and that approach to finance's personal finances, because you're

452
00:27:26,559 --> 00:27:30,279
that much less likely to get yourself in a pinch

453
00:27:30,319 --> 00:27:33,319
and in debt by operating that way.

454
00:27:33,680 --> 00:27:38,240
Speaker 4: All right, Paul, it's better qualified dot com and there's

455
00:27:38,279 --> 00:27:41,799
a lot of free resources available. I would suggest if

456
00:27:41,799 --> 00:27:44,599
you're having issues or you think you might, you really

457
00:27:44,680 --> 00:27:46,880
want to visit there, and you can always call Paul

458
00:27:46,960 --> 00:27:49,720
as well. And if you have any questions for Paul

459
00:27:49,839 --> 00:27:53,359
or myself, shoot me an email Heyl at Terry Lufs

460
00:27:53,400 --> 00:27:56,720
dot com. You'll find a link to better qualified dot

461
00:27:56,759 --> 00:28:00,200
com in the show that this interview on Financial Survive.

462
00:28:00,359 --> 00:28:01,680
Speaker 3: Network dot com.

463
00:28:01,720 --> 00:28:03,759
Speaker 4: And I would just ask if you visit the site,

464
00:28:03,880 --> 00:28:09,359
please sign up for your free weekly newsletter. Like over

465
00:28:09,480 --> 00:28:14,119
sixty thousand of your fellow FSI and community members have

466
00:28:14,559 --> 00:28:21,079
wish everybody happy, healthy and financially and fiscally saying holiday, Paul,

467
00:28:21,119 --> 00:28:22,759
It's always a pleasure be well.

468
00:28:22,799 --> 00:28:25,400
Speaker 2: Thanks j having me back on Kerry, thanks for listening to

469
00:28:25,519 --> 00:28:31,200
carry Lets's Financial Survival Network, your solution to today's trying times.

470
00:28:31,440 --> 00:28:35,559
For the latest, go to Financial Survivalnetwork dot com. Financial

471
00:28:35,680 --> 00:28:36,920
Survival Network

472
00:28:37,319 --> 00:28:38,839
Speaker 1: Now more than ever,