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<v Speaker 1>Hey, good morning, everybody, Happy Friday as we broadcast live

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<v Speaker 1>on the road today. Mercurial Wealth Advisors, Uh, you can

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<v Speaker 1>stop by tomorrow they're gonna have a shredded event, which

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<v Speaker 1>means if you have documents you need shredded. Most companies charge,

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<v Speaker 1>but tomorrow it's gonna be free, right out front of

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<v Speaker 1>their office and their lobby here at ninety one hundred

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<v Speaker 1>Shelbyville Road.

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<v Speaker 2>Can be located a stone's throw from Skyline Chili.

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<v Speaker 1>WHOA, that's true. You go right down that road.

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<v Speaker 2>You come by, you get all your business shredded, and

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<v Speaker 2>then you know what you do what you reward yourself

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<v Speaker 2>with a large five way And you think I'm will

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<v Speaker 2>say you think it will say cheeze coney.

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<v Speaker 3>You're ready for the curveball?

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<v Speaker 1>What Chiledoh chalito chialito with the sour cream? Yeah, yeah, yes, No.

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<v Speaker 2>I wouldn't say eighty six to sour cream, but anybody

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<v Speaker 2>would freak out on.

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<v Speaker 1>Me because that's restaurant lingo, that's for sure. Mercurio Wealth Advisors,

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<v Speaker 1>Alan Troy Bolton, they're your financial advisors. Folks. You need

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<v Speaker 1>a coach. Even Michael Jordan had a coach. You need

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<v Speaker 1>a coach to get you through it. Whether you're barely

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<v Speaker 1>towards retirement or you're already retired. You it's like a boat.

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<v Speaker 1>You got to have a wrench on it all the time.

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<v Speaker 2>And you don't want to start at the last second.

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<v Speaker 2>It's never ever too early to start saving. I wish

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<v Speaker 2>someone would have got a hold of me at eighteen

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<v Speaker 2>years old.

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<v Speaker 1>Well, thank thank god.

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<v Speaker 3>For our wives. Yeah, no, kidding, right, our.

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<v Speaker 1>Wives said, hey, we need a plan absolutely for what.

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<v Speaker 1>Now is the time because Dwight and I always said,

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<v Speaker 1>well we only need some board shorts and some flip flops,

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<v Speaker 1>but we're gonna need a little more than that.

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<v Speaker 2>Well, neither one of us, to be truthful, thought that

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<v Speaker 2>we would be alive at fifty seven.

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<v Speaker 1>That's true, so you know, well, yeah, neither one of

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<v Speaker 1>us supposed to. We're you actually, I know, I actually

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<v Speaker 1>really tested that theory. I really tested that theory. But

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<v Speaker 1>it is retirement is weird and uh we I don't

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<v Speaker 1>want to say. Jack, They were like, look, how what

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<v Speaker 1>you spending a month? And Jack and now look at

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<v Speaker 1>each other. We're like, we're not really.

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<v Speaker 3>Sure at all.

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<v Speaker 1>So we sat down and did a couple of months

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<v Speaker 1>and then averaged it out and they're like, you're gonna

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<v Speaker 1>need that mostly in retirement. And we looked at each

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<v Speaker 1>other and I don't want to say the number because

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<v Speaker 1>we were like, we couldn't believe we spent that much

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<v Speaker 1>a month. We were like, that's how much is going out.

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<v Speaker 1>We're gonna need that per month, which is scary.

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<v Speaker 2>Right now, my net worth is twenty three, but susans Yeah.

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<v Speaker 3>Yeah, the Susan's a little higher, you know.

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<v Speaker 1>Okay, So it's a big weekend folks. Crusade for children

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<v Speaker 1>or at Crusade for children, not just the trivia is

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<v Speaker 1>happening this weekend. I'll be out there Sunday with Terry Minors.

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<v Speaker 1>Terry will be on TV tonight a on WHS eleven.

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<v Speaker 1>Of course there's the seventy fifth birthday of Saint Matthew's

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<v Speaker 1>with the bands in Brown Park, and of course the

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<v Speaker 1>Shredded event tomorrow from ten am until one pm. Again,

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<v Speaker 1>there's a tent set up right out front of me.

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<v Speaker 1>Curia Walter Advisors, ninety one hundred, Shelby bill Road Plus

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<v Speaker 1>we'll give you the phone numbers and everything. They've got

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<v Speaker 1>choice Toroy's got a book. Uh, and you need that book.

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<v Speaker 1>It's a guide book. It's a rule book to say, hey,

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<v Speaker 1>here's what you want to do, don't do this, and

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<v Speaker 1>some advice as you kind of navigate getting to retirement

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<v Speaker 1>because the big questions are taxes, how much more taxes?

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<v Speaker 1>A you're going to be paying? I just finished Yellowstone

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<v Speaker 1>last night and Jack and I was like, you know,

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<v Speaker 1>the sad thing is is that is that one of

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<v Speaker 1>the worst things for America is people can't keep their land,

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<v Speaker 1>can't keep your house because taxes go up every month,

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<v Speaker 1>and the government can't wait to say, oh you can't

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<v Speaker 1>afford that. Okay, you're gonna have to sell it. Do

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<v Speaker 1>people that want to do something different with it.

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<v Speaker 2>Well, you know, I'll live off the grid, so under

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<v Speaker 2>an oak tree out of the woods.

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<v Speaker 4>I was gonna say, but no way, I am or

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<v Speaker 4>the grid. I am the grid. No, but it is

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<v Speaker 4>serious business. It is nice to know what you need,

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<v Speaker 4>how much you need. More importantly, when you can retire

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<v Speaker 4>and factor in all those factors of taxes going up,

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<v Speaker 4>oh my god. I mean, because that's it's so out

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<v Speaker 4>of most people's league unless you're in that industry.

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<v Speaker 3>It just makes it easier for you. Yeah.

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<v Speaker 1>Well, I won't have to worry about inheritance tax for

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<v Speaker 1>my family.

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<v Speaker 3>You have that money.

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<v Speaker 2>Did I tell all my niece, all my nieces and nephews,

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<v Speaker 2>they know that they're in my will in pencil, so

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<v Speaker 2>they can be at any time.

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<v Speaker 1>Any day now. But to get back to that point,

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<v Speaker 1>if you do your what you're spending every month, Let's

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<v Speaker 1>say it's eight thousand dollars a month, you're spending eight

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<v Speaker 1>thousand dollars as a family or a couple, you're gonna

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<v Speaker 1>need at least that because things are gonna get more

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<v Speaker 1>expensive and everything else. You're gonna need eight thousand dollars

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<v Speaker 1>a month. How are you generating that eight thousand dollars

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<v Speaker 1>a month in retirement? That's scary. But the best thing

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<v Speaker 1>about this place is that you get to our age.

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<v Speaker 1>I'm fifty six, Dwight is sixty three, and you get

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<v Speaker 1>you get to a point to where you can choose

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<v Speaker 1>your retirement date February twenty four of twenty thirty three, right,

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<v Speaker 1>whatever it is, and you're just like I have now,

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<v Speaker 1>I have a date. I have a date to retire.

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<v Speaker 1>That's a really good date.

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<v Speaker 3>I when you start the countdown, start the.

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<v Speaker 1>Countdown clock and that's what a curio can do, is

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<v Speaker 1>set that date for you, so I'd come on by again.

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<v Speaker 1>The shredded event is tomorrow, all right, So lots going

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<v Speaker 1>on Crusade. We got Saint Matthew's birthday. They've canceled the

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<v Speaker 1>B twenty five that's taking off from yas Field with

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<v Speaker 1>the Honor here a Bluegrass Honor flights. They I don't

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<v Speaker 1>know how many World War Two vets they were putting

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<v Speaker 1>on that ding, but we talked about it last week.

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<v Speaker 1>John and I went and saw it last year and

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<v Speaker 1>John and I were like, of course the World War

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<v Speaker 1>two vets. They're like you punks because we were like,

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<v Speaker 1>we were like, I'm not sure I'm getting on an

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<v Speaker 1>eighty year old plane. Because it took a little bit.

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<v Speaker 1>They went can can can can Can Can Can can

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<v Speaker 1>can't can't can can can can can't can't. Boom, the

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<v Speaker 1>explosions went off, boom, and all this black smoke came

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<v Speaker 1>out of the engines and then downed it out. We're laughing,

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<v Speaker 1>but it looked cool. It looked cool. I'm not sure

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<v Speaker 1>if I want to get on it.

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<v Speaker 2>And the only way I would get one one if

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<v Speaker 2>they let me wear the little leather helmet, you know,

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<v Speaker 2>with the goggles, and I can run out to it

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<v Speaker 2>with a leather jacket on and a scarf.

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<v Speaker 1>Oh look, it's make a wish. He used to fly

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<v Speaker 1>in the plane.

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<v Speaker 3>Hey, you know what?

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<v Speaker 2>So so I've got a torn achilles tenn't wait what happened?

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<v Speaker 2>I might contact the dream of wish.

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<v Speaker 3>It's foundation.

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<v Speaker 2>Dream of wish is set wish. Dream of wish is set.

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<v Speaker 3>Up for guys like me. Yeah, that have overcome.

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<v Speaker 1>No dream of wish? Was you going to a bar

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<v Speaker 1>late at night.

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<v Speaker 2>In the eighties, Hey, we got to talk about it.

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<v Speaker 2>Normally we don't talk about national politics on it. Sometimes

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<v Speaker 2>we do.

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<v Speaker 1>I know what you're gone, let's say.

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<v Speaker 2>But yesterday when the Department of Agriculture released their study

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<v Speaker 2>on cherries, I thought that was ridiculous.

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<v Speaker 1>Absolutely, you never sent me national politics.

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<v Speaker 3>And I said it yesterday yesterday, Yeah it was.

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<v Speaker 2>It was Elon going on and saying major bomb drop

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<v Speaker 2>that Trump is uh is involved in the Epstein files.

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<v Speaker 3>But here's what I'm thinking.

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<v Speaker 2>And I'm maybe I'm wrong, and I usually am. I

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<v Speaker 2>think they ricahoots together and it's a big show. I

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<v Speaker 2>don't know, but I just don't know what to believe

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<v Speaker 2>anymore unless I see it with my face in person.

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<v Speaker 2>AI has made it where I can't. I can't watch

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<v Speaker 2>a video and say, oh, yeah, that happened.

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<v Speaker 1>Well, who could have predicted that. Donald Trump and a

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<v Speaker 1>bunch of billionaires that never hear the word know we're

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<v Speaker 1>going to last more than six months. I mean, these

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<v Speaker 1>billionaires get to be billionaires because they push people around.

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<v Speaker 1>They get what they want their they're manipulative. They are

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<v Speaker 1>very good at what they do. But they also don't here. No,

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<v Speaker 1>they have a whole team of people that have great idea. Sir,

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<v Speaker 1>I don't like it. I love it, and hey, that's

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<v Speaker 1>our phrase. I get that. But who knew that after

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<v Speaker 1>a while it was gonna be But he's got a

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<v Speaker 1>good point. Elon Musk, I think he's got a good point.

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<v Speaker 1>His job was doze to kill, to not kill, but

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<v Speaker 1>to cut expenses, and then the big beautiful bill came

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<v Speaker 1>out and he disagreed with it, and that's when the

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<v Speaker 1>seed of discontent was planted. Okay.

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<v Speaker 2>I also remember when Handsome Jimmy Valiett got in a

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<v Speaker 2>feud with Billy Superstar Dundee and he trashed his car

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<v Speaker 2>with a baseball bat and different examples like that on

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<v Speaker 2>Saturday Morning Wrestling.

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<v Speaker 1>He wasn't really Billy Dundee's car.

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<v Speaker 2>What Yeah, no, but I'm just saying it's all a

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<v Speaker 2>big show.

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<v Speaker 1>Didn't Billy Dundee have a like a Texas star on

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<v Speaker 1>the butt of his head?

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<v Speaker 2>He was Australian, Oh is Australian.

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<v Speaker 1>He had a star on all these little panties that he.

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<v Speaker 3>Wore when he wrestled.

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<v Speaker 2>Panties, Man, they kind of looked like pannies. Man, they

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<v Speaker 2>were wrestling. Oh, no, wrestling performance shorts. Hey, you know

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<v Speaker 2>Billy Dundee is still out there. Uh, Joey Strader sent

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<v Speaker 2>me a thing a while back. It was just like

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<v Speaker 2>him at some show. I don't know if he surely

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<v Speaker 2>he's not wrestling.

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<v Speaker 1>No, man, you're talking about that was forty years ago, dude.

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<v Speaker 3>Yeah.

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<v Speaker 2>But people said I would never survive this Achilles standing

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<v Speaker 2>and look at me here right now.

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<v Speaker 3>Everyone said, you know, they did neither, not even the

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<v Speaker 3>doctors that.

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<v Speaker 1>One said we all around you wouldn't survive.

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<v Speaker 3>No, that's not what they said.

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<v Speaker 2>I was on the table and doctor Ellis and doctor

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<v Speaker 2>Bodenhausen came in and both.

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<v Speaker 3>Of them it's the look on both of their faces.

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<v Speaker 1>Okay, uh, let's talk about Okay, I'm gonna give you

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<v Speaker 1>a guess. I don't know if you saw the story.

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<v Speaker 1>If you saw the story, then don't then you can't

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<v Speaker 1>be legitimate. And guess how how many years has Little

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<v Speaker 1>Garden has been closed?

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<v Speaker 3>All right, let me do the walk back on this.

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<v Speaker 2>I'm gonna say, Okay, I'm gonna kind of come within

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<v Speaker 2>a window or to have these.

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<v Speaker 1>Guess you're right on it. It's nineteen twenty, it's nineteen

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<v Speaker 1>years two thousand and six. So when I saw that,

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<v Speaker 1>I was like, it's been closed since two thousand and six.

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<v Speaker 1>And I was like, I thought I went to a

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<v Speaker 1>show or did an event there after two thousand and six,

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<v Speaker 1>But I guess I didn't. And God bless the people

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<v Speaker 1>that have to fix that place up. Do you understand

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<v Speaker 1>nineteen years of nothing.

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<v Speaker 3>That's the city's fault.

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<v Speaker 2>Oh if if you ask me.

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<v Speaker 1>That's three mayors, by the way, that's three mayors of

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<v Speaker 1>letting that go.

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<v Speaker 2>You talk about all of these initiatives that we have

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<v Speaker 2>had in the past. Hey, it's you know this and

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<v Speaker 2>that and the other deal or whatever. You know, the

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<v Speaker 2>city builds up something I would have loved to have

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<v Speaker 2>had Louisville Gardens just semi restored. Listen when I went

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<v Speaker 2>to Louisville Gardens for concerts, yeah, in the eighties, Yeah,

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<v Speaker 2>it wasn't all that. Uh, it was pretty worn down then.

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<v Speaker 1>Man, you know that's a great point. Yeah.

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<v Speaker 2>Yeah, like Woisville Gardens, same with Cincinnati Guards. You don't

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<v Speaker 2>walk in and go, wow, look at this. No, everything

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<v Speaker 2>is smoke stained, everything has a tinge of brown on it.

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<v Speaker 3>But I love Destroyer.

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<v Speaker 2>The roof always had missing tiles, always, whether if you

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<v Speaker 2>were there for wrestling on Tuesday nights, if you are

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<v Speaker 2>for a concert, graduation. It never looked good. But I

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<v Speaker 2>loved the venue. I know so many great concerts there

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<v Speaker 2>and there was not a bad seat in that house.

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<v Speaker 2>I was hoping they were gonna revive that with a

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<v Speaker 2>hockey team or something.

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<v Speaker 3>Yeah, but no, so yesterday they uh.

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<v Speaker 1>And I will say this, Uh, Robert Stuivers, the President

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<v Speaker 1>of the Senate. I get if you don't agree with

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<v Speaker 1>his politics. I understand that that's what America is about.

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<v Speaker 1>But if you're a little villion you have no idea.

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<v Speaker 1>Robert Steivers, the President of the Senate in Frankfurt is

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<v Speaker 1>the most Louisville friendly. Oh, Frankfurt leader. Now I'm gonna

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<v Speaker 1>say contemporary Louisville history, because I'll go back about fifty years.

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<v Speaker 1>I go back to Harvey Sloan in the seventies. So

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<v Speaker 1>I don't I can't tell you the sixties or fifties.

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<v Speaker 1>But he is the he's the friendliest. He's he remark,

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<v Speaker 1>what was the last not this past session, but the

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<v Speaker 1>one before, two billion dollars to Louisville. Louisville's gotten zero

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<v Speaker 1>from Frankfort.

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<v Speaker 3>Viever.

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<v Speaker 1>All right, he's the first guy that said we're gonna

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<v Speaker 1>work with Louisville. Not just work, we're gonna help them

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<v Speaker 1>get where they need. And he's part of this initiation, and.

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<v Speaker 2>He's part of the initiative. And here's another part of

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<v Speaker 2>that initiative. There's been a lot of people in the

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<v Speaker 2>Republican Party to start winning these House seats, right, these

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<v Speaker 2>Senate seats. So he's recognized that, hey, you know, and

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<v Speaker 2>so things are actually starting to get done in Louisville

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<v Speaker 2>through Frankfort in the General Assembly.

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<v Speaker 3>But my wife was down there, she was part of this.

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<v Speaker 1>She was part of that, and I was so proud

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<v Speaker 1>to see her there.

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<v Speaker 2>So Susan was there, you know, and I was I

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<v Speaker 2>was being brave yesterday. Oh right, but I wasn't that brave.

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<v Speaker 2>So she went down there. And then last night I

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<v Speaker 2>talked to her. I said, how the guardens thing? I said,

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<v Speaker 2>what did it look like? She said, it looked like

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<v Speaker 2>the last time we were there. And then I said,

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<v Speaker 2>I said, I what because I carved my name in

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<v Speaker 2>one of those seats in a Judish priest concert.

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<v Speaker 1>Because the people don't understand the back of the wood

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<v Speaker 1>there wouldn't seats.

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<v Speaker 2>Woulden't there seats? Yes, And I carved my name in

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<v Speaker 2>one of those wooden seats. I said, I wonder she goes.

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<v Speaker 2>They were all the wooden seats. Everything's the same.

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<v Speaker 1>Uh, Tom Petty, I saw him there. One of the

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<v Speaker 1>best concerts I've ever seen.

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<v Speaker 3>Yeah, I had to work the station.

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<v Speaker 2>That was the Wildflowers tour, and they said the entire

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<v Speaker 2>one before that, Oh I remember Wildflowers.

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<v Speaker 3>He kicked it off in Louisville. Everybody got to go

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<v Speaker 3>but me.

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<v Speaker 2>Gary Guthrie made me stay home or stay home, stay

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<v Speaker 2>at the station and work.

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<v Speaker 1>Where was I backstage with some girls?

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<v Speaker 2>Yeah, with the bass player and his name was Kenny

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<v Speaker 2>bart Hen Henderson Fould and fall.

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<v Speaker 1>As the weird looking guy in the in the track

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<v Speaker 1>matching track suit and blonde hair guy.

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<v Speaker 3>Which which are you? I don't know you hear me?

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<v Speaker 3>I can't hear myself?

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<v Speaker 1>Is with us here at Mercurial Wealth Advisors ninety one hundred,

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<v Speaker 1>Shelby a little road, UH Saturday tomorrow ten to one.

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00:14:20.679 --> 00:14:24.519
<v Speaker 1>They'll be doing a free UH shredding event and they'll

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<v Speaker 1>have some lunch for you too, if you want to

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00:14:25.960 --> 00:14:27.440
<v Speaker 1>come by and say hi to us. Today we have

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<v Speaker 1>Chrispy Krean Donuts.

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<v Speaker 3>I'm already sure. How mey? Have you had UH two

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00:14:32.559 --> 00:14:32.919
<v Speaker 3>so far?

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00:14:33.039 --> 00:14:37.720
<v Speaker 5>The count is going White calls them.

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<v Speaker 3>Yeah, I've got a lot.

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<v Speaker 1>You have two. There's two reasons why you're coming on

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00:14:41.679 --> 00:14:43.559
<v Speaker 1>it here. First, you're gonna do the joke of the day.

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<v Speaker 3>We're gonna go to break, okay.

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<v Speaker 1>But then you found your fiance on grinder. Yes, no,

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<v Speaker 1>I'm sorry, I'm sorry, hinge, I apologize. I don't know

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<v Speaker 1>any of these sides.

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<v Speaker 3>Which name stay, which fiance? I'm just kidding.

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<v Speaker 2>Oh my god, you can't do this to us because

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00:15:08.279 --> 00:15:12.360
<v Speaker 2>we're listen the jury's out. Tony our convinced she's gonna

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<v Speaker 2>leave you at the altar, right, Yeah, we're just bet on.

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<v Speaker 3>We just beat honest with you, bro, You're gonna get

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<v Speaker 3>a free party.

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<v Speaker 2>So we thought at least you would let you get

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<v Speaker 2>the bachelor party and then she's gonna have the wedding

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<v Speaker 2>shower with.

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<v Speaker 3>But you freaked this out.

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<v Speaker 2>Man, We thought she already dumped you.

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<v Speaker 1>Well, sorry, grinder, it's a hinge yes, all right, uh my, apologies.

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<v Speaker 1>We'll talk about that how that works out. Let's do

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<v Speaker 1>the joke of the day. John back in the studio. John,

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<v Speaker 1>you know what I'm doing?

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<v Speaker 3>Just fine? Oh, good to hear you.

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<v Speaker 1>Are we not We're not overmodul.

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<v Speaker 3>No, no we have Yeah, we're on. Yeah, you guys sound great.

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<v Speaker 1>Proper modulation. Thank you, all right, Austin. Joke of the Day,

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<v Speaker 1>June sixth, twenty twenty five.

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<v Speaker 5>That's right, it's good to be back on here, guys,

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<v Speaker 5>Happy Friday. Well, I love the immunity music to always do.

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<v Speaker 2>I love well, you gotta have the immunity music because listen,

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<v Speaker 2>some people, I'm not naming names on this show.

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<v Speaker 5>Some people put in some turd. Joke of the Day interesting.

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<v Speaker 5>I wonder who that can be. We gotta we gotta

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<v Speaker 5>find that out.

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<v Speaker 3>I don't know.

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<v Speaker 5>Well, hey, fellas, you got a country music joke for you. Yeah,

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<v Speaker 5>I was kind of feeling the room when I walked

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<v Speaker 5>in and thought that that would be apropos for a

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<v Speaker 5>Friday that listen, that wasn't.

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<v Speaker 1>The room apropos apropros?

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<v Speaker 5>All right, what do you get when you play a

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00:16:38.200 --> 00:16:40.000
<v Speaker 5>country music song backwards?

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<v Speaker 3>I don't know.

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<v Speaker 5>Ahead, you get back your wife, your dog, and your.

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<v Speaker 3>Friday. Baby.

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<v Speaker 2>That's what I'm talking about, number one. When we're talking

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<v Speaker 2>about highest quality number one and highest craftsmanship number one,

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00:17:00.120 --> 00:17:03.279
<v Speaker 2>and it's value plus. Pellow windows and doors. They're not

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<v Speaker 2>just made right here in the USA. No, they're right

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00:17:06.559 --> 00:17:09.599
<v Speaker 2>here in Kentucky as a matter of fact, by your friends,

356
00:17:09.599 --> 00:17:13.000
<v Speaker 2>your neighbors, and you. Compella now and pay later. Go

357
00:17:13.079 --> 00:17:15.720
<v Speaker 2>look at these windows right now while you're at work.

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<v Speaker 2>Go to Pella Louisville dot com. Make your life brighter,

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00:17:19.599 --> 00:17:22.400
<v Speaker 2>and Pella now and pay later.

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<v Speaker 3>We'll be back. Oh no, lots of I love lots of.

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<v Speaker 1>Jackie said this morning, are you gonna eat the chicken

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<v Speaker 1>sweet that's in the refrigerator? And I was like, yes,

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<v Speaker 1>she goes. I said you can have it.

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<v Speaker 2>This is actual giver, this is actual audio John Olden, Yeah,

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<v Speaker 2>he goes the extra mile.

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<v Speaker 3>I know I'm here, all right, all right?

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<v Speaker 1>Uh go a loft Apasta three six h thirty seven

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<v Speaker 1>seventeen Lexing Road in the heart of Saint Matthew's. I

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00:17:54.759 --> 00:17:58.319
<v Speaker 1>know that address because it seventy years ago. My grandfather

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00:17:58.400 --> 00:18:01.480
<v Speaker 1>had it add an appliant store. There is that kind

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<v Speaker 1>of weird or what at thirty seven seventeen like studs

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<v Speaker 1>in row.

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<v Speaker 2>Hey, lady, you want to dishwasher and stuff, get in here.

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<v Speaker 3>I'm Grandpavanedti.

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<v Speaker 1>Thank you, Man Tonynetti or bad Grandpa Benetti. Back after this.

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<v Speaker 1>News Radio eight forty whs Hallo, Joe Bosh, all right,

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<v Speaker 1>welcome back news Radio eight forty whas the Tony and

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<v Speaker 1>Dwight jo brought you by the Kentucky Office of Highway Safety.

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<v Speaker 1>Come on by tomorrow mer Curi your Wealth Advisors a

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00:18:33.279 --> 00:18:37.519
<v Speaker 1>free shredding event from ten am to one. It's set

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<v Speaker 1>up right on the sidewalk. Actually, you could probably pull

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00:18:42.000 --> 00:18:44.359
<v Speaker 1>up Troy and just hand the stuff and then they'll

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00:18:44.359 --> 00:18:45.640
<v Speaker 1>shreddit or you have to get out of the car

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<v Speaker 1>and all that.

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00:18:46.000 --> 00:18:48.440
<v Speaker 6>Oh no, we'll have a well, the truck will be

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00:18:48.519 --> 00:18:50.279
<v Speaker 6>right out front. You can pull right up there, drop

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00:18:50.319 --> 00:18:52.599
<v Speaker 6>everything off on load park, come in with some barbecues.

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<v Speaker 1>So what are you suggesting?

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<v Speaker 3>Why?

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00:18:54.000 --> 00:18:55.240
<v Speaker 1>Well, what stuff do we shred?

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<v Speaker 6>Any documents that old? Documents that are too old, usually

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00:19:00.440 --> 00:19:03.079
<v Speaker 6>keep tax returns for about five years. Okay, And let's

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00:19:03.119 --> 00:19:06.039
<v Speaker 6>be honest. Most people have everything digital these days. Yeah,

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00:19:06.079 --> 00:19:10.119
<v Speaker 6>so having them in hard copy printed is a little outdated.

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00:19:10.359 --> 00:19:12.079
<v Speaker 6>So just bring that stuff in. We don't need that

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00:19:12.200 --> 00:19:15.359
<v Speaker 6>those records in house. Let's bring everything in shred.

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<v Speaker 1>Got some stuff in the addict I needed to show.

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<v Speaker 2>Yeah, the secret to getting ahead is getting started.

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00:19:21.480 --> 00:19:24.160
<v Speaker 1>Oh yeah, look at you. Is that your quote?

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00:19:24.200 --> 00:19:26.880
<v Speaker 2>No, that's Mark Twain. And it's in the book Retirement

401
00:19:26.920 --> 00:19:29.960
<v Speaker 2>three to sixty Game Planned by Troy Bolton. Uh and

402
00:19:30.000 --> 00:19:31.200
<v Speaker 2>it covers longevity.

403
00:19:31.240 --> 00:19:32.319
<v Speaker 3>Call this thing.

404
00:19:32.359 --> 00:19:35.839
<v Speaker 2>It covers everything that you need to know for guys

405
00:19:35.960 --> 00:19:38.359
<v Speaker 2>like my age and younger or older even.

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00:19:38.279 --> 00:19:41.200
<v Speaker 6>It's basically a roadmap into our retirement planning process.

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00:19:41.240 --> 00:19:42.599
<v Speaker 3>How do people get this book, Troy?

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00:19:42.880 --> 00:19:45.880
<v Speaker 6>They can text in the word book to five eleven

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00:19:45.920 --> 00:19:46.480
<v Speaker 6>eighty eight.

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00:19:46.440 --> 00:19:52.200
<v Speaker 1>Two seven eleven eighty eight. The Word Book it's it's printed,

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00:19:52.240 --> 00:19:55.039
<v Speaker 1>by the way, in larger print for me, for for uh.

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00:19:56.880 --> 00:19:58.200
<v Speaker 1>It's perfect for guys like.

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<v Speaker 6>Us, Allen mind, just to make sure.

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<v Speaker 2>But you know what I do like it that way, man,

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00:20:05.200 --> 00:20:07.160
<v Speaker 2>Yeah too, you get it easy read.

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00:20:07.240 --> 00:20:08.920
<v Speaker 3>Yeah, you got to read this thing. All right.

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<v Speaker 2>Let's talk about planning for retirement. Because I'm fifty seven.

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00:20:13.759 --> 00:20:16.400
<v Speaker 2>I plan on retiring as quickly as possible. I'm gonna

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<v Speaker 2>do an extra year with Tony if they don't fire us,

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00:20:20.079 --> 00:20:23.160
<v Speaker 2>so we can go out together house. I mean, I'm

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00:20:23.160 --> 00:20:27.200
<v Speaker 2>guessing in your teams you can start, or even later

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00:20:27.240 --> 00:20:28.000
<v Speaker 2>in life you can start.

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<v Speaker 3>Let's talk retire.

424
00:20:28.920 --> 00:20:32.039
<v Speaker 6>You definitely need to start saving in your early years, Okay,

425
00:20:32.119 --> 00:20:34.279
<v Speaker 6>as soon as you start working, start saving, Start building

426
00:20:34.319 --> 00:20:36.880
<v Speaker 6>up that emergency account, Start investing as soon as you can.

427
00:20:37.319 --> 00:20:41.599
<v Speaker 6>There's nothing more powerful than compound interest over twenty thirty,

428
00:20:41.680 --> 00:20:44.720
<v Speaker 6>forty fifty years. It's amazing how much you can build

429
00:20:44.759 --> 00:20:47.200
<v Speaker 6>if you just start young, start later. It's a little

430
00:20:47.200 --> 00:20:48.839
<v Speaker 6>bit hard. You gotta play catch up. Gott to save

431
00:20:48.880 --> 00:20:51.759
<v Speaker 6>a lot more at a time. But then when you

432
00:20:51.799 --> 00:20:54.000
<v Speaker 6>get to what we call the retirement red zone is

433
00:20:54.200 --> 00:20:58.319
<v Speaker 6>fifty and up, you're ten to twelve years out from retirement.

434
00:20:58.839 --> 00:21:01.680
<v Speaker 6>That's when the planning really gets excited.

435
00:21:02.119 --> 00:21:04.839
<v Speaker 1>Here's what he's gonna tell you about the stock market, right, Yeah,

436
00:21:05.039 --> 00:21:08.759
<v Speaker 1>stock market pays off three out of four years? Is

437
00:21:08.799 --> 00:21:09.640
<v Speaker 1>that on average?

438
00:21:09.720 --> 00:21:11.000
<v Speaker 6>It's actually about.

439
00:21:11.440 --> 00:21:13.640
<v Speaker 1>It's higher than that, Isn't it six out of eight years?

440
00:21:13.759 --> 00:21:15.799
<v Speaker 1>Six out of eight years. You're gonna win in the

441
00:21:15.799 --> 00:21:18.920
<v Speaker 1>stock market. It is. It's the It is a It

442
00:21:19.000 --> 00:21:21.480
<v Speaker 1>really is a payoff. And whether it's six percent or

443
00:21:21.799 --> 00:21:23.720
<v Speaker 1>some years twenty five percent.

444
00:21:23.519 --> 00:21:25.799
<v Speaker 6>It can be huge depending on your risk tolerance. But

445
00:21:25.920 --> 00:21:28.480
<v Speaker 6>the worst thing that can happen if you're ten years

446
00:21:28.480 --> 00:21:30.839
<v Speaker 6>out from retirement, let's say a two thousand and eight happens,

447
00:21:31.119 --> 00:21:34.920
<v Speaker 6>you lose forty percent of your portfolio. Your playing just changed. Yeah,

448
00:21:35.000 --> 00:21:37.000
<v Speaker 6>you're not working. You're not retiring when you want to.

449
00:21:37.039 --> 00:21:39.640
<v Speaker 6>Now you're working another three to four years because in

450
00:21:39.680 --> 00:21:42.119
<v Speaker 6>two thousand and eight, when the market dropped, it took

451
00:21:42.200 --> 00:21:44.039
<v Speaker 6>four to five years just to break even.

452
00:21:44.119 --> 00:21:44.559
<v Speaker 1>Yeah.

453
00:21:44.680 --> 00:21:47.200
<v Speaker 2>Troy Bolton is our guest his book Retirement three to

454
00:21:47.240 --> 00:21:49.359
<v Speaker 2>sixty Game Plan. Troy, I will get back to what

455
00:21:49.400 --> 00:21:53.759
<v Speaker 2>you said about compound interest, because it's absolutely fascinating and

456
00:21:53.759 --> 00:21:57.319
<v Speaker 2>I'm sure you're familiar with the charge and you'll correct

457
00:21:57.359 --> 00:21:58.640
<v Speaker 2>me because my mouth will be off.

458
00:21:58.920 --> 00:21:59.880
<v Speaker 3>But it shows on this.

459
00:22:00.400 --> 00:22:03.119
<v Speaker 2>Someone at eighteen years old putting in two thousand dollars

460
00:22:03.160 --> 00:22:05.720
<v Speaker 2>a year, and then they stop and I want to

461
00:22:05.759 --> 00:22:07.279
<v Speaker 2>say age twenty.

462
00:22:06.960 --> 00:22:09.119
<v Speaker 1>Five thirty or so, let's say thirty thirty.

463
00:22:09.200 --> 00:22:12.640
<v Speaker 2>Then to show somebody picking up at that age eighth

464
00:22:12.759 --> 00:22:15.000
<v Speaker 2>or age thirty, whatever it might be, and contributing that

465
00:22:15.079 --> 00:22:17.799
<v Speaker 2>amount all the way to retire it. They never really

466
00:22:17.839 --> 00:22:20.039
<v Speaker 2>catch up. I think it's amazing.

467
00:22:20.160 --> 00:22:22.680
<v Speaker 1>On this compound you're saying, you're saying the guy that

468
00:22:22.759 --> 00:22:26.640
<v Speaker 1>invested early, it has more money or the same. Yeah,

469
00:22:26.720 --> 00:22:27.680
<v Speaker 1>and stop investing.

470
00:22:28.039 --> 00:22:30.799
<v Speaker 6>That's so much more because he started early and he

471
00:22:30.920 --> 00:22:34.920
<v Speaker 6>has more time for that to grow. And it's even

472
00:22:34.960 --> 00:22:36.880
<v Speaker 6>the same way when we look at our kids. Some

473
00:22:36.960 --> 00:22:39.599
<v Speaker 6>walls that they change here recently with the five twenty

474
00:22:39.680 --> 00:22:43.759
<v Speaker 6>nine plans used to only could spend that on educational census.

475
00:22:43.960 --> 00:22:46.240
<v Speaker 6>I know, well, now you can take that money and

476
00:22:46.240 --> 00:22:48.880
<v Speaker 6>put it into a WROTH plan for your children. I

477
00:22:48.920 --> 00:22:49.640
<v Speaker 6>mean think about that.

478
00:22:50.039 --> 00:22:54.960
<v Speaker 1>Wow. Yeah, if thost corporations limit your WRATH contributions to right,

479
00:22:55.519 --> 00:22:58.759
<v Speaker 1>because again the government wants their money. Oh all right,

480
00:22:58.799 --> 00:23:00.759
<v Speaker 1>So if you do the tradition four to one k,

481
00:23:00.799 --> 00:23:03.000
<v Speaker 1>which is Dwight and I. My wife has been doing WROTH,

482
00:23:03.079 --> 00:23:06.079
<v Speaker 1>but only a certain percentage for her corporation, but they

483
00:23:06.119 --> 00:23:08.480
<v Speaker 1>only allow her to do a certain amount of Once

484
00:23:08.480 --> 00:23:10.279
<v Speaker 1>she hits that number, she can't put any more in

485
00:23:10.319 --> 00:23:12.920
<v Speaker 1>for the rest of the year. I find it fascinating

486
00:23:12.960 --> 00:23:16.039
<v Speaker 1>because and we will only know until we retire and go, well,

487
00:23:16.079 --> 00:23:18.039
<v Speaker 1>I'm glad you did that WROTH because you already paid

488
00:23:18.079 --> 00:23:21.759
<v Speaker 1>the taxes on it, but you're forced to take I

489
00:23:21.799 --> 00:23:23.480
<v Speaker 1>don't know, Dwight. Are we gonna do seventy two and

490
00:23:23.519 --> 00:23:25.319
<v Speaker 1>a half? Are we gonna make it?

491
00:23:25.319 --> 00:23:26.200
<v Speaker 6>It's seventy five for you?

492
00:23:26.400 --> 00:23:30.319
<v Speaker 1>Is it? Well, it's you mean the mandatory withdrawal is

493
00:23:30.319 --> 00:23:32.440
<v Speaker 1>seventy five seventy year and then what do they have

494
00:23:32.519 --> 00:23:33.039
<v Speaker 1>to take out?

495
00:23:33.319 --> 00:23:35.839
<v Speaker 6>You have to take out? It's about four percent starting

496
00:23:35.880 --> 00:23:37.720
<v Speaker 6>at seventy five, and the increases.

497
00:23:37.319 --> 00:23:40.759
<v Speaker 1>Of your total money you have in there pre tax money, okay,

498
00:23:40.839 --> 00:23:41.960
<v Speaker 1>because they want their money.

499
00:23:42.039 --> 00:23:44.440
<v Speaker 6>They want their money even if you don't need it,

500
00:23:44.480 --> 00:23:45.680
<v Speaker 6>and that becomes a big issue.

501
00:23:45.759 --> 00:23:45.880
<v Speaker 1>Right.

502
00:23:45.880 --> 00:23:48.960
<v Speaker 6>We have some clients that have let's say there's social security,

503
00:23:49.000 --> 00:23:52.640
<v Speaker 6>a decent pension, and they have all this IRA money,

504
00:23:52.680 --> 00:23:54.880
<v Speaker 6>Let's say a million dollars setting in an IRA pre

505
00:23:55.000 --> 00:23:55.720
<v Speaker 6>tax account.

506
00:23:56.599 --> 00:24:00.160
<v Speaker 1>Are you okay, Dwight. Dwight thinks. Dwight thinks there's an

507
00:24:00.160 --> 00:24:02.359
<v Speaker 1>ice cream truck. I wanted, Troy. I wanted to warn

508
00:24:02.440 --> 00:24:04.160
<v Speaker 1>you because even with the cast, he was going to

509
00:24:04.200 --> 00:24:06.480
<v Speaker 1>start running. He was going to start running for the

510
00:24:06.559 --> 00:24:06.960
<v Speaker 1>ice cream.

511
00:24:07.799 --> 00:24:09.279
<v Speaker 6>I heard something. I don't know what it was.

512
00:24:09.799 --> 00:24:12.039
<v Speaker 2>Moll always told me when I was young, when you

513
00:24:12.079 --> 00:24:14.559
<v Speaker 2>hear the noise the music, it means he's out of iye,

514
00:24:16.519 --> 00:24:17.960
<v Speaker 2>you were fat.

515
00:24:18.480 --> 00:24:23.160
<v Speaker 1>Go ahead, Troy, I'm sorry, no, no, no, So the

516
00:24:23.240 --> 00:24:26.240
<v Speaker 1>taxes so you mandatory four percent out. But here's the

517
00:24:26.279 --> 00:24:28.720
<v Speaker 1>conversation that you and I have had on the show before,

518
00:24:29.480 --> 00:24:32.839
<v Speaker 1>which is we know what the taxes are, now we

519
00:24:32.880 --> 00:24:34.000
<v Speaker 1>don't know what it's supposed to.

520
00:24:34.000 --> 00:24:35.680
<v Speaker 6>Change at the end of this year. I heard you

521
00:24:35.720 --> 00:24:37.759
<v Speaker 6>all talk about the big, beautiful bill that's supposed to

522
00:24:38.400 --> 00:24:41.640
<v Speaker 6>extend those maybe make him permanent. But we've also seen

523
00:24:41.680 --> 00:24:44.440
<v Speaker 6>the backside of that that it could cause more and

524
00:24:44.480 --> 00:24:47.279
<v Speaker 6>more debt on the country, so it could cause bigger issues.

525
00:24:47.799 --> 00:24:51.319
<v Speaker 6>So our focus is to focus on us, our personal

526
00:24:51.480 --> 00:24:54.279
<v Speaker 6>economy and make sure we're paying as little tax as possible.

527
00:24:54.480 --> 00:24:56.440
<v Speaker 6>I mean, think about if you had a wroth. When

528
00:24:56.480 --> 00:24:59.799
<v Speaker 6>you first started investing, you paid the taxes, which CPAs

529
00:24:59.799 --> 00:25:02.880
<v Speaker 6>hat this pay the taxes now while you're young, start

530
00:25:02.920 --> 00:25:07.200
<v Speaker 6>investing thirty forty year career of you saving after tax

531
00:25:07.640 --> 00:25:11.519
<v Speaker 6>tax free money. Now you have a million dollar portfolio

532
00:25:11.960 --> 00:25:15.680
<v Speaker 6>of completely tax free money that's all yours, A traditional

533
00:25:15.680 --> 00:25:18.279
<v Speaker 6>four one K. Let's say you're at a million bucks,

534
00:25:18.880 --> 00:25:21.559
<v Speaker 6>you own seven hundred and fifty thousand, the government owns

535
00:25:21.559 --> 00:25:21.920
<v Speaker 6>the rest.

536
00:25:22.039 --> 00:25:25.599
<v Speaker 1>Yeah, no, that's true. I think because my kids now

537
00:25:25.640 --> 00:25:29.400
<v Speaker 1>are twenty two and twenty and they're cause we're going

538
00:25:29.440 --> 00:25:30.960
<v Speaker 1>to make sure they're going to do that right, because

539
00:25:31.200 --> 00:25:33.200
<v Speaker 1>they have parents that are saying, hey, we're doing this,

540
00:25:33.319 --> 00:25:35.640
<v Speaker 1>you're doing this. John's already put twenty thousand in he's

541
00:25:35.640 --> 00:25:37.519
<v Speaker 1>twenty two because he got a bonus from the Navy

542
00:25:37.559 --> 00:25:40.200
<v Speaker 1>and all that, but he's gonna he's invested it. I

543
00:25:40.240 --> 00:25:44.119
<v Speaker 1>think of the advantage he has going forward, and the

544
00:25:44.119 --> 00:25:46.319
<v Speaker 1>other kids that have a student loan debt and all

545
00:25:46.319 --> 00:25:48.720
<v Speaker 1>that that they can't get involved. It is an insane

546
00:25:49.119 --> 00:25:51.119
<v Speaker 1>concept to start as young, because I didn't. I didn't

547
00:25:51.119 --> 00:25:54.160
<v Speaker 1>start till twenty nine or thirty years old, but I

548
00:25:54.200 --> 00:25:56.960
<v Speaker 1>caught up pretty quickly. But it is you have to

549
00:25:56.960 --> 00:26:00.039
<v Speaker 1>have a coach, and that's what you guys do. But

550
00:26:00.240 --> 00:26:02.240
<v Speaker 1>I love doing the show. I got it. I'll be honest.

551
00:26:02.279 --> 00:26:04.839
<v Speaker 1>I've told you this before. I was not thrilled that

552
00:26:04.920 --> 00:26:07.160
<v Speaker 1>I wanted to do a financial show. It wasn't a

553
00:26:07.200 --> 00:26:09.240
<v Speaker 1>sports show, it wasn't an entertainment show, and I was

554
00:26:09.279 --> 00:26:11.920
<v Speaker 1>like a financial show. But after two weeks, what did

555
00:26:11.960 --> 00:26:13.559
<v Speaker 1>I say to you on the show? I said, so,

556
00:26:14.200 --> 00:26:18.559
<v Speaker 1>this is fascinating. It's fascinating to dive in to all

557
00:26:18.680 --> 00:26:21.359
<v Speaker 1>this because it is a game and you need a coach.

558
00:26:21.599 --> 00:26:21.759
<v Speaker 3>Yeah.

559
00:26:21.799 --> 00:26:23.519
<v Speaker 6>I think the reason you didn't love it as much

560
00:26:23.640 --> 00:26:25.640
<v Speaker 6>upfront is because we have a lot of compliance that

561
00:26:25.680 --> 00:26:26.400
<v Speaker 6>we have to watch.

562
00:26:26.440 --> 00:26:29.839
<v Speaker 1>Oh that's right. I know it can be a compliance

563
00:26:29.920 --> 00:26:31.039
<v Speaker 1>of a compliance buster.

564
00:26:31.160 --> 00:26:34.279
<v Speaker 2>Hey Troy, he's a stickler for the rules. I want

565
00:26:34.319 --> 00:26:36.119
<v Speaker 2>to go back to your book and I want to

566
00:26:36.519 --> 00:26:38.160
<v Speaker 2>listeners know how and can get it in a retirement

567
00:26:38.240 --> 00:26:40.799
<v Speaker 2>three to sixty game played by Troy Bolton, and this

568
00:26:40.960 --> 00:26:45.119
<v Speaker 2>literally it does cover everything when you're playing it. Medicare, Medicaid,

569
00:26:46.440 --> 00:26:46.920
<v Speaker 2>this book.

570
00:26:47.240 --> 00:26:49.599
<v Speaker 3>Seriously, I don't think anything's left out of this. Man.

571
00:26:49.920 --> 00:26:52.000
<v Speaker 6>We tried not to leave anything out of it. Where

572
00:26:52.400 --> 00:26:55.200
<v Speaker 6>Allen and I have been in conversations about updating it,

573
00:26:55.319 --> 00:26:57.599
<v Speaker 6>doing a two point zero version just to give some

574
00:26:57.680 --> 00:27:01.839
<v Speaker 6>updated information, But really what kind of set it all

575
00:27:01.920 --> 00:27:03.759
<v Speaker 6>for me? And after we did the book, I'm like, Okay,

576
00:27:03.799 --> 00:27:05.440
<v Speaker 6>it's great. What's this book going to do. It's not

577
00:27:05.480 --> 00:27:07.880
<v Speaker 6>like we're selling it to make a profit. We give

578
00:27:07.920 --> 00:27:10.440
<v Speaker 6>it away for people to learn. I met with a

579
00:27:10.480 --> 00:27:15.839
<v Speaker 6>guy probably six months after I wrote the book, and

580
00:27:16.519 --> 00:27:18.160
<v Speaker 6>he said I read the book. He reached out on

581
00:27:18.200 --> 00:27:21.319
<v Speaker 6>the radio show that we do every Sunday on WHS eleven,

582
00:27:22.000 --> 00:27:24.480
<v Speaker 6>and he wanted the book. We called him, said do

583
00:27:24.480 --> 00:27:26.960
<v Speaker 6>you want to meet with an advisor? Not now? He said,

584
00:27:27.000 --> 00:27:28.440
<v Speaker 6>I want to read the book. So when he called

585
00:27:28.480 --> 00:27:31.519
<v Speaker 6>back in, he said, you know what, a few things

586
00:27:31.559 --> 00:27:34.200
<v Speaker 6>that you said in there just just hit home with me,

587
00:27:34.359 --> 00:27:36.839
<v Speaker 6>right bulls up. I need to set down with you.

588
00:27:37.279 --> 00:27:41.119
<v Speaker 6>Because I've been with so and so financial advisor for

589
00:27:41.200 --> 00:27:44.799
<v Speaker 6>thirty years. They mentioned none of this. They don't talk

590
00:27:44.839 --> 00:27:48.279
<v Speaker 6>about planning, They don't talk about tax planning, income strategies,

591
00:27:48.640 --> 00:27:51.279
<v Speaker 6>medicare planning, where do I go to get my health

592
00:27:51.279 --> 00:27:54.279
<v Speaker 6>insurance if I retire before sixty five? None of that

593
00:27:54.440 --> 00:27:56.160
<v Speaker 6>is mentioned with a regular find.

594
00:27:55.960 --> 00:27:58.640
<v Speaker 1>Well, let's be honest, people are people businesses or businesses.

595
00:27:58.680 --> 00:28:00.519
<v Speaker 1>When they've got a client, I don't even it's been

596
00:28:00.519 --> 00:28:03.240
<v Speaker 1>with them for twenty five years, they're setting and forgetting

597
00:28:03.279 --> 00:28:05.279
<v Speaker 1>it right. I mean, that's that's what happened. They're not

598
00:28:05.359 --> 00:28:07.680
<v Speaker 1>bad people. It's just that's what happens. You're like, oh,

599
00:28:07.680 --> 00:28:10.359
<v Speaker 1>well we have that client. They're never leaving. I'm not

600
00:28:10.359 --> 00:28:12.559
<v Speaker 1>going to put a wrench on that. And that's not

601
00:28:12.640 --> 00:28:13.960
<v Speaker 1>the way you all do it at me, Curia.

602
00:28:14.039 --> 00:28:16.759
<v Speaker 6>Well, and just to twist a little bit what you said,

603
00:28:16.880 --> 00:28:19.519
<v Speaker 6>or to add a little bit what you said. When

604
00:28:19.559 --> 00:28:22.039
<v Speaker 6>you look at you have two different types of advisors.

605
00:28:22.079 --> 00:28:24.279
<v Speaker 6>You have your accumulation specialist, somebody that you're going to

606
00:28:24.319 --> 00:28:26.319
<v Speaker 6>start with young and just grow, grow, grow, grow grow.

607
00:28:26.519 --> 00:28:28.039
<v Speaker 6>But then we get to the point where how do

608
00:28:28.119 --> 00:28:30.119
<v Speaker 6>I start taking money out of this? They'll say, well,

609
00:28:30.160 --> 00:28:34.279
<v Speaker 6>you can just take a distribution. We'll just take money out, right,

610
00:28:34.680 --> 00:28:37.480
<v Speaker 6>But we set down, figure out what your goals are,

611
00:28:37.599 --> 00:28:39.839
<v Speaker 6>how much you need on a monthly basis, and build

612
00:28:39.839 --> 00:28:44.119
<v Speaker 6>an income plan that's based on your risk tolerance, build

613
00:28:44.279 --> 00:28:47.480
<v Speaker 6>on how much you have, but that's built on exactly

614
00:28:47.519 --> 00:28:49.880
<v Speaker 6>what you say you and Jackie want to do. Yeah,

615
00:28:49.920 --> 00:28:52.359
<v Speaker 6>So it's more customized to you, and we look at

616
00:28:52.359 --> 00:28:55.240
<v Speaker 6>those strategies. So we focus on distribution side of advising

617
00:28:55.279 --> 00:28:57.680
<v Speaker 6>more than in it growth side of it.

618
00:28:57.680 --> 00:28:58.960
<v Speaker 1>And here's the thing I don't want to igno or

619
00:28:59.039 --> 00:29:03.240
<v Speaker 1>either is people think the retirement is a finish line.

620
00:29:03.519 --> 00:29:08.039
<v Speaker 1>It's just starting like it's halftime. So you people go, oh, well,

621
00:29:08.079 --> 00:29:10.839
<v Speaker 1>I'm retired, We're good. No, that's maybe the most time

622
00:29:10.880 --> 00:29:13.279
<v Speaker 1>you need or retire somebody like mycurial to come in

623
00:29:13.319 --> 00:29:16.559
<v Speaker 1>and and and guide you through, especially when you get

624
00:29:16.640 --> 00:29:18.880
<v Speaker 1>up to the seventy eighty years old, when you're starting

625
00:29:18.880 --> 00:29:21.519
<v Speaker 1>to maybe get in inheritance and how to handle that

626
00:29:21.720 --> 00:29:22.319
<v Speaker 1>is insane.

627
00:29:22.559 --> 00:29:24.279
<v Speaker 6>Oh, there's a lot of different rules that you got

628
00:29:24.279 --> 00:29:26.039
<v Speaker 6>to look at and you got to stick with because

629
00:29:26.079 --> 00:29:28.799
<v Speaker 6>you can get penalized by the irs pretty heavily. So

630
00:29:29.319 --> 00:29:33.000
<v Speaker 6>getting a retirement coach is very important. It's fight out

631
00:29:33.039 --> 00:29:35.039
<v Speaker 6>to your retirement plan. I mean, I think you know

632
00:29:35.079 --> 00:29:36.880
<v Speaker 6>that just from talking with us for so long. You've

633
00:29:36.920 --> 00:29:39.480
<v Speaker 6>been dealing with Allen for what ten twelve years now?

634
00:29:39.720 --> 00:29:43.200
<v Speaker 6>Oh yeah, so and I've been working there for been

635
00:29:43.279 --> 00:29:47.039
<v Speaker 6>here thirteen years now, so it's been good.

636
00:29:47.240 --> 00:29:50.240
<v Speaker 2>Yeah, you've been doing what you're doing in the industry

637
00:29:50.240 --> 00:29:53.039
<v Speaker 2>for almost twenty years and then you write this book.

638
00:29:53.079 --> 00:29:54.839
<v Speaker 2>It covers HSA and everything.

639
00:29:54.880 --> 00:29:58.119
<v Speaker 1>And by the way, in this book is it a

640
00:29:58.240 --> 00:29:59.319
<v Speaker 1>chapter Dwight And.

641
00:29:59.440 --> 00:30:01.160
<v Speaker 2>No, this is it's just a little as part of

642
00:30:01.480 --> 00:30:05.519
<v Speaker 2>just one part of a chapter in this book. Is

643
00:30:05.599 --> 00:30:08.960
<v Speaker 2>there a perfect product when it comes to financial strategies?

644
00:30:09.559 --> 00:30:12.240
<v Speaker 2>You can find out by getting this Oh I like it.

645
00:30:12.480 --> 00:30:15.200
<v Speaker 2>Find out if there is a perfect product when it

646
00:30:15.240 --> 00:30:18.480
<v Speaker 2>comes to financial strategies by getting this book by written

647
00:30:18.480 --> 00:30:20.880
<v Speaker 2>about Troy Bolton Retirement three to sixty game plan.

648
00:30:21.240 --> 00:30:22.599
<v Speaker 3>How do they get this free book?

649
00:30:23.039 --> 00:30:25.960
<v Speaker 6>Easy as possible. All you do is text the word

650
00:30:26.000 --> 00:30:28.559
<v Speaker 6>book to five two two seven three eleven eighty eight.

651
00:30:28.880 --> 00:30:32.279
<v Speaker 6>We'll respond with the automated text messages text message, give

652
00:30:32.319 --> 00:30:35.279
<v Speaker 6>your name address, will send that book immediate.

653
00:30:35.359 --> 00:30:37.839
<v Speaker 2>Can you give the text number again one more time.

654
00:30:37.960 --> 00:30:41.079
<v Speaker 6>Zero two two seven three eleven eighty eight this textbook

655
00:30:41.119 --> 00:30:41.920
<v Speaker 6>and you'll get the book.

656
00:30:42.440 --> 00:30:42.680
<v Speaker 2>Uh.

657
00:30:42.720 --> 00:30:44.559
<v Speaker 1>And here's the other thing before we go to break.

658
00:30:45.880 --> 00:30:48.279
<v Speaker 1>I think people want to know who their advisor is.

659
00:30:50.039 --> 00:30:53.039
<v Speaker 1>Alan has started this company a long time ago and

660
00:30:53.079 --> 00:30:56.359
<v Speaker 1>it's morphed into different things, but he has been He's

661
00:30:56.400 --> 00:31:00.319
<v Speaker 1>South End boy from the valley, from the Valley. This

662
00:31:00.400 --> 00:31:02.880
<v Speaker 1>is his home. The you know, he started in the

663
00:31:02.920 --> 00:31:06.160
<v Speaker 1>South End. That's what he is. You have two kids,

664
00:31:06.200 --> 00:31:12.960
<v Speaker 1>small kids, three sorry, three three boys. You're gonna need

665
00:31:12.960 --> 00:31:17.359
<v Speaker 1>the money for extra furniture, Sam's furniture and mental health care. Yeah,

666
00:31:17.400 --> 00:31:21.480
<v Speaker 1>that's but I think it's important people know that this

667
00:31:21.559 --> 00:31:23.960
<v Speaker 1>isn't an outside this isn't a national company that is

668
00:31:23.960 --> 00:31:28.039
<v Speaker 1>going to cookie Cutter you. You are local guys, and

669
00:31:28.119 --> 00:31:29.079
<v Speaker 1>they're not going anywhere.

670
00:31:29.119 --> 00:31:33.079
<v Speaker 6>We're local guys. My family, Alan's my uncle from South End,

671
00:31:33.119 --> 00:31:35.240
<v Speaker 6>family owned company. We want to keep it that way

672
00:31:35.319 --> 00:31:38.200
<v Speaker 6>because that's how we treat our clients as we dream

673
00:31:38.319 --> 00:31:38.799
<v Speaker 6>like family.

674
00:31:38.960 --> 00:31:39.079
<v Speaker 3>Yea.

675
00:31:39.240 --> 00:31:41.640
<v Speaker 6>I have multiple clients that ask me, well, what would

676
00:31:41.680 --> 00:31:43.599
<v Speaker 6>you do for your mother? That's exact play.

677
00:31:44.519 --> 00:31:48.039
<v Speaker 1>Amen. Amen, all right, Troy, thank you. We're gonna have

678
00:31:48.079 --> 00:31:50.240
<v Speaker 1>you on again to talk about retirement. Three sixty the

679
00:31:50.240 --> 00:31:52.720
<v Speaker 1>game Playing the books written by Troy Bolton. You're gonna

680
00:31:52.720 --> 00:31:56.559
<v Speaker 1>have a follow up book soon and then we're okay.

681
00:31:56.599 --> 00:31:59.720
<v Speaker 1>I figured that I have a story of the worst

682
00:32:00.119 --> 00:32:04.079
<v Speaker 1>that's coming up next to the worst decisions in corporate

683
00:32:04.200 --> 00:32:07.759
<v Speaker 1>history for the United States. The top one is New Coke.

684
00:32:08.759 --> 00:32:11.279
<v Speaker 1>But there was a speaking of books. There was a publisher.

685
00:32:11.400 --> 00:32:17.039
<v Speaker 1>Everyone passed on Harry Potter. Oh really, and some small

686
00:32:17.359 --> 00:32:20.160
<v Speaker 1>publishing group because the eight year old daughter said, dad,

687
00:32:20.240 --> 00:32:23.279
<v Speaker 1>you've got to do this. They had like two writers

688
00:32:23.319 --> 00:32:28.079
<v Speaker 1>on their list. They published Harry Potter and that's a

689
00:32:28.160 --> 00:32:29.759
<v Speaker 1>multi billion dollar deal.

690
00:32:29.799 --> 00:32:30.680
<v Speaker 6>Now life changing.

691
00:32:30.920 --> 00:32:33.079
<v Speaker 1>It is life changing. But the list is crazy, and

692
00:32:33.160 --> 00:32:34.839
<v Speaker 1>you know, and this is why you need an advisor.

693
00:32:34.920 --> 00:32:37.599
<v Speaker 1>You never know. You never know what companies are going

694
00:32:37.680 --> 00:32:39.759
<v Speaker 1>to make. Good decisions are bad. But Troy, thank you

695
00:32:39.799 --> 00:32:41.880
<v Speaker 1>so much for what you do, bro. And the shredding

696
00:32:41.920 --> 00:32:43.839
<v Speaker 1>event is tomorrow ten am to one right here at

697
00:32:43.920 --> 00:32:47.559
<v Speaker 1>ninety one hundred Shelbyville Road, just to take a write

698
00:32:47.559 --> 00:32:50.119
<v Speaker 1>off Shelby Road if you're coming down towards Hurstborn Lane,

699
00:32:50.440 --> 00:32:52.680
<v Speaker 1>and you'll see the tent as you pull up, and

700
00:32:52.680 --> 00:32:54.200
<v Speaker 1>they have a big truck and they'll shred it off

701
00:32:54.200 --> 00:32:56.480
<v Speaker 1>for you. And you might have some sandwiches or donuts.

702
00:32:56.519 --> 00:32:58.599
<v Speaker 6>So we have a full barbecue caterer.

703
00:32:59.400 --> 00:33:01.079
<v Speaker 2>And I want to hit this book one more time

704
00:33:01.160 --> 00:33:04.319
<v Speaker 2>by Troy Bolton retirement three to sixty Game Plan text

705
00:33:05.039 --> 00:33:06.079
<v Speaker 2>textbook to five.

706
00:33:06.079 --> 00:33:07.880
<v Speaker 6>Two, two, seven, three eleven ab eight.

707
00:33:08.039 --> 00:33:11.160
<v Speaker 1>I love it all right, man, short breaking the go ahead.

708
00:33:11.200 --> 00:33:14.640
<v Speaker 2>You can invest the thousands that you save at the

709
00:33:14.839 --> 00:33:18.880
<v Speaker 2>simple body Shop dot com by reading this book. Listen

710
00:33:19.000 --> 00:33:22.119
<v Speaker 2>Thesemplebodyshop dot Com. I came out of parking lot and

711
00:33:22.240 --> 00:33:25.440
<v Speaker 2>my jeep had been destroyed. Baby, the tailight was gone,

712
00:33:25.480 --> 00:33:28.559
<v Speaker 2>the bumper, the quarter panel.

713
00:33:28.599 --> 00:33:30.400
<v Speaker 3>It was horrible, typical da cart.

714
00:33:30.599 --> 00:33:36.440
<v Speaker 2>Yeah, what had two different estimates on was thirty eight hundred,

715
00:33:36.480 --> 00:33:38.599
<v Speaker 2>the other was forty two hundred. And by the way,

716
00:33:38.640 --> 00:33:41.119
<v Speaker 2>I had to go through the body shops get that done.

717
00:33:41.680 --> 00:33:44.799
<v Speaker 2>Then I just text, uh, the simple body Shop. They said,

718
00:33:44.799 --> 00:33:48.440
<v Speaker 2>oh yeah, text us some pictures of the damage. That's

719
00:33:48.440 --> 00:33:52.799
<v Speaker 2>what I did. Vsimplebodyshop dot com. They got an estimate

720
00:33:52.839 --> 00:33:55.160
<v Speaker 2>back to me the very like with an hour and

721
00:33:55.200 --> 00:33:55.920
<v Speaker 2>a half.

722
00:33:56.160 --> 00:33:57.480
<v Speaker 3>It was only nine hundred.

723
00:33:57.839 --> 00:34:01.000
<v Speaker 2>I saved thousands of dollars and I kept it off

724
00:34:01.039 --> 00:34:03.279
<v Speaker 2>of my insurance. And by the way, I had my

725
00:34:03.400 --> 00:34:06.599
<v Speaker 2>car back the very next morning. You're gonna love v

726
00:34:06.920 --> 00:34:12.280
<v Speaker 2>Simple Body Shop Vsimplebodyshop dot Com and b K Plumbing.

727
00:34:12.079 --> 00:34:16.760
<v Speaker 1>H b K Biding Supply. Yeah, dude, John Bergen owns

728
00:34:16.800 --> 00:34:20.559
<v Speaker 1>b K Plumbing Supply. He has hinted there's a possibility

729
00:34:20.679 --> 00:34:25.360
<v Speaker 1>you get the Toto Nexus. What yes, Oh, yes, So

730
00:34:25.559 --> 00:34:28.119
<v Speaker 1>what happens is this is next level and it's gonna

731
00:34:28.159 --> 00:34:30.360
<v Speaker 1>be hard even to use another toilet after you use

732
00:34:30.400 --> 00:34:33.519
<v Speaker 1>this one. The seat is heated and it's I can't

733
00:34:33.800 --> 00:34:37.599
<v Speaker 1>tell you how the seat is designed. So when you

734
00:34:37.639 --> 00:34:40.880
<v Speaker 1>sit down, it fits perfect, more than in all the

735
00:34:40.880 --> 00:34:44.199
<v Speaker 1>cookie cutter seats that you have. It's it's heated, the

736
00:34:44.639 --> 00:34:48.960
<v Speaker 1>water is heated. It's a day system. There's a remote control.

737
00:34:49.679 --> 00:34:51.920
<v Speaker 1>It hangs on the wall next to you. You pick

738
00:34:51.960 --> 00:34:54.039
<v Speaker 1>it off and you and you can you can decide

739
00:34:54.039 --> 00:34:56.599
<v Speaker 1>how fast the water is, how warm it is. And

740
00:34:56.639 --> 00:34:58.760
<v Speaker 1>then of course there's boys and girl parts, so there's

741
00:34:58.800 --> 00:35:01.199
<v Speaker 1>different streams. I'll tell you what those are.

742
00:35:01.320 --> 00:35:03.119
<v Speaker 3>I don't even want to go home and see my toilet.

743
00:35:03.199 --> 00:35:05.320
<v Speaker 1>And then there's an air dryer. You hit the air

744
00:35:05.440 --> 00:35:09.400
<v Speaker 1>dryer and it dries you off after you're finished. You cannot,

745
00:35:09.880 --> 00:35:13.079
<v Speaker 1>you will. This thing will change your life. John, John Durgin,

746
00:35:13.320 --> 00:35:17.599
<v Speaker 1>My stupid toilet just sits there. The seat's cold, it's hard,

747
00:35:18.159 --> 00:35:21.079
<v Speaker 1>it's not even butt shape. The cold is his heart. Yes.

748
00:35:21.639 --> 00:35:27.400
<v Speaker 1>BK Plumbing supply called four Asks for John. He sells

749
00:35:27.440 --> 00:35:30.719
<v Speaker 1>toilets and a lot more. But it's the Toto Aqua

750
00:35:31.400 --> 00:35:34.800
<v Speaker 1>seven back after this on news radio eight forty whas
