Latest / Financial Survival Network / Launch Your Retirement, Bitcoin Investing & Taxes - Ted Thatcher #6210

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Launch Your Retirement, Bitcoin Investing & Taxes - Ted Thatcher #6210 · Financial Survival Network

• 0:00
  Speaker 1: I think at this point though, it's pretty hard to
• 0:02
  Speaker 1: deny the power that bitcoin currently has up until what
• 0:06
  Speaker 1: the last week and a half, with all the discoveries
• 0:09
  Speaker 1: we've seen posted about Google achieving in terms of quantum computing,
• 0:15
  Speaker 1: I think there's a little bit of concern that those
• 0:17
  Speaker 1: type of computers could crack the code for a bitcoin.
• 0:20
  Speaker 2: You're listening to Carrie Lutz's Financial Survival Network, where you
• 0:24
  Speaker 2: get valuable information you just can't find anywhere else to
• 0:28
  Speaker 2: thrive in today's trying times. You need the Financial Survival
• 0:32
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• 0:37
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• 0:42
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• 0:48
  Speaker 3: And welcome you are listening to and watching the Financial
• 0:51
  Speaker 3: Survival Network. I'm your host, Carrie Luttz. Well Ted Thatcher's
• 0:56
  Speaker 3: back with us, well known noted financial expert. Ted. You
• 1:02
  Speaker 3: just released your book, Finally Launch Your Retirement, a financial
• 1:08
  Speaker 3: planning guide to go from saverer to spender. Well, I
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  Speaker 3: was never a saver, so the transition was easy for me,
• 1:16
  Speaker 3: and I'm not getting retired.
• 1:18
  Speaker 1: But so who's this book for. It's a great question.
• 1:23
  Speaker 1: Carry is always as great to be with you. You know,
• 1:25
  Speaker 1: I think in today's world, there's a ton of information
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  Speaker 1: available online about what to invest in, how to start,
• 1:32
  Speaker 1: you know, building up some assets. But the question I
• 1:37
  Speaker 1: get so often is, hey, like I maybe I've built
• 1:40
  Speaker 1: up this nest egg. How do I like take that
• 1:44
  Speaker 1: and replace my paycheck? You know kind of say, hey,
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  Speaker 1: how do I build that golden goose that lays the
• 1:49
  Speaker 1: golden eggs? And so this book is for that person
• 1:52
  Speaker 1: who's trying to say, hey, I have some money, now
• 1:56
  Speaker 1: how do I replace my paycheck? How do I make
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  Speaker 1: sure that I don't have to.
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  Speaker 3: Go back to work anymore? Okay, so you asked, you
• 2:04
  Speaker 3: asked the question, now answer it, yes, So how do
• 2:08
  Speaker 3: we do it? Right? Of course?
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  Speaker 1: So the book basically outlines our planning process and basically
• 2:15
  Speaker 1: everything you need to do to launch your retirement. So
• 2:18
  Speaker 1: uh there, we basically follow what we call the five
• 2:21
  Speaker 1: pillar process, and that is first making sure you have
• 2:25
  Speaker 1: an income plan for your money. You know, basically, like
• 2:27
  Speaker 1: I said, how much money we're going to need to
• 2:29
  Speaker 1: replace that paycheck? And you know there's a lot that
• 2:32
  Speaker 1: goes into that. Right, you got to make sure you
• 2:34
  Speaker 1: have your Social Security right. You know, a lot of
• 2:36
  Speaker 1: clients we work with, we'll have like rental property or
• 2:39
  Speaker 1: a pension, you know, certainly you know stocks, maybe do
• 2:41
  Speaker 1: it unstocks, things like that. The second pillar is having
• 2:44
  Speaker 1: an investment strategy, right, just there's a lot that goes
• 2:48
  Speaker 1: into that, you know, analytically, of course, but what it
• 2:50
  Speaker 1: boils down to, and I think that sometimes it gets
• 2:52
  Speaker 1: blost in the weeds, is simply having enough money set
• 2:55
  Speaker 1: aside for growth and having enough money set aside for income.
• 3:01
  Speaker 1: Then we get into our third pillar, and that's actually
• 3:04
  Speaker 1: having a tax strategy for your money. I think a
• 3:07
  Speaker 1: lot of financial advisors I talked to even honestly, it's
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  Speaker 1: like they would treat this word tax like a four
• 3:13
  Speaker 1: letter word they can't say. And I really reject that premise.
• 3:18
  Speaker 1: You know, I think that at least for the vast
• 3:20
  Speaker 1: majority of retirees, the analytics and the data tell us
• 3:24
  Speaker 1: that the biggest bill a retiree is going to pay
• 3:27
  Speaker 1: is their tax bill. And then of course, just to
• 3:30
  Speaker 1: round it off, I mean, I would tell you very
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  Speaker 1: much that those are primary sort of foundational pillars. Then
• 3:35
  Speaker 1: we get into what we call advanced planning, you know,
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  Speaker 1: healthcare planning for Medicare and legacy planning. And state planning
• 3:41
  Speaker 1: those types of things. But not to get too long winded,
• 3:44
  Speaker 1: that's what the book is about, walking you through all
• 3:46
  Speaker 1: those different steps to make sure that you're set up
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  Speaker 1: for success in creating that sort of permanent paycheck so
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  Speaker 1: you don't run out of money, which is the other
• 3:54
  Speaker 1: question we get a lot, all right, so.
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  Speaker 3: What let me ask you, what do you think about
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  Speaker 3: how social Security should play into this?
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  Speaker 1: Yeah, well, I think the one question Carrie I get
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  Speaker 1: a lot is especially around Social Security, is hey, is
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  Speaker 1: it going to be there?
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  Speaker 3: Right?
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  Speaker 1: It's underfunded, it, you know, underwater, and so I think
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  Speaker 1: it's created a lot of questions for folks in retirement
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  Speaker 1: or getting close to retirement about whether it's going to
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  Speaker 1: be able to be counted on, and you know, how
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  Speaker 1: does it play into it? You know, for most people,
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  Speaker 1: of course, it's a part of you know, their monthly expenses.
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  Speaker 1: The Social Security Office itself has come out and said
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  Speaker 1: you would expect social Security on average, meaning if you
• 4:40
  Speaker 1: have an average American family's expenses and wages, et cetera,
• 4:43
  Speaker 1: that it would maybe count for about a forty percent
• 4:47
  Speaker 1: or so of your monthly needs. But to kind of
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  Speaker 1: come back to that answer in that question.
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  Speaker 3: The way I think.
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  Speaker 1: About social security tends to be a very i'll say
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  Speaker 1: practical one. And so when I look at Congress red
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  Speaker 1: or blue, I have not seen a real political will
• 5:05
  Speaker 1: from our congress people to spend less money. And of course,
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  Speaker 1: if faced with the option of i'll say, reducing retirees
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  Speaker 1: social security benefits or simply writing a bigger check, it's
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  Speaker 1: my opinion at this point most congress people would simply
• 5:27
  Speaker 1: choose to write a bigger check because I just think
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  Speaker 1: the incentives are, unfortunately such that if they did, you know,
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  Speaker 1: vote to be i'll say, for austerity, they would likely
• 5:42
  Speaker 1: be voted out and maybe replaced by somebody who would
• 5:44
  Speaker 1: be willing to simply, you know, sign that omnibus bill.
• 5:48
  Speaker 3: Yeah, yeah, Well, but Trump is talking a big game here, right, Sure.
• 5:56
  Speaker 1: The Department of Government Efficiencies are you referring to?
• 5:58
  Speaker 3: Of course, the dose I hope it's a doge and
• 6:02
  Speaker 3: not a dog, right, I.
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  Speaker 1: Think so, you know, I think, uh, you know, I
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  Speaker 1: think most people now will look at the government and say, hey,
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  Speaker 1: we're probably spending too much money. And so I think
• 6:14
  Speaker 1: that the Department of Government Efficient efficiency and the natural
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  Speaker 1: you know, initiative in the name, is the right thing
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  Speaker 1: to prioritize. I think that the the natural I mean
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  Speaker 1: criticism is probably too strong of a word. But there
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  Speaker 1: is a practical, you know side of how deep they
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  Speaker 1: even can cut. And so, you know, what is sort
• 6:35
  Speaker 1: of required spending and what is discretionary spending comes to
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  Speaker 1: mind really quick, right, and most people would argue, of
• 6:41
  Speaker 1: course medicare spending and social security spending, even military spending,
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  Speaker 1: those are you know, baked in, and so I think
• 6:49
  Speaker 1: under I would say, really positive auspices like the DOGE
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  Speaker 1: they could cut a third of the budget and still
• 6:59
  Speaker 1: they you know, two thirds of our spending is still
• 7:02
  Speaker 1: considered you know, a non discretionary, and so I do
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  Speaker 1: I'm interested to see how deep they're actually able to go.
• 7:08
  Speaker 1: I think if I were going to place my bets
• 7:12
  Speaker 1: on what might be actually some of the most important
• 7:15
  Speaker 1: work that they do, I think it might be around regulations.
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  Speaker 1: Because I was reading an article in the Wall Street
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  Speaker 1: Journal just about how much the regulatory environment has grown
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  Speaker 1: over the last you know, even just ten years, and
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  Speaker 1: their argument that they were making. The author of the article,
• 7:34
  Speaker 1: of course, said that if they could basically reduce you know,
• 7:39
  Speaker 1: the regulatory environment in a substantial way that we could
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  Speaker 1: actually get our GDP up to six percent a year,
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  Speaker 1: which is like rocket fuel when it comes to you know,
• 7:49
  Speaker 1: economic growth, of course, and that could really have an
• 7:52
  Speaker 1: effect on, you know, ultimately the financial picture of the US.
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  Speaker 3: The question is will they do it? And Trump say
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  Speaker 3: he's hell bent on it now. And look the military,
• 8:05
  Speaker 3: you know, we all know we need a strong defense
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  Speaker 3: blah blah blah. But a veritable fortune gets wasted every year,
• 8:17
  Speaker 3: like forget it, right, I mean we know this, right,
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  Speaker 3: as much as half of it gets wasted. And you know,
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  Speaker 3: corporate now there, Look we've got three hundred and fifty
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  Speaker 3: when i'd look two three years ago billion per year
• 8:33
  Speaker 3: of corporate welfare. Right, that's just short government money that's
• 8:39
  Speaker 3: just blown on corporations that don't need it. Right, So
• 8:45
  Speaker 3: even if there's a lot of blooding and then three
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  Speaker 3: hundred and fifty billion a year of improper payments, and
• 8:52
  Speaker 3: then like you said, he's not going to touch the
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  Speaker 3: money to the recipients, but the people who were there
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  Speaker 3: who don't show up the work for years and all
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  Speaker 3: the fat there. You know, it's not hard to envision.
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  Speaker 3: And then the corruption, like I said in the military
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  Speaker 3: the spend or right uh you know, the big contractors,
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  Speaker 3: they just put in change orders and they automatically are accepted,
• 9:21
  Speaker 3: and then the general retires and he goes to work
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  Speaker 3: for fill in the blank, mega defense contractor. But it's
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  Speaker 3: going to be pain here, Like everybody wants somebody else
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  Speaker 3: to take less, but not themselves, right I think.
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  Speaker 1: So, I mean, I do think that I think that
• 9:42
  Speaker 1: the point you make, especially around the defense is well made,
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  Speaker 1: and I think it's the one that Trump would agree with,
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  Speaker 1: you know, and it doesn't take very far to you know,
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  Speaker 1: you don't have to look very far to see the corruption.
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  Speaker 1: I mean, the amount of money that's been spent in
• 9:55
  Speaker 1: the Middle East and you know what has been you know,
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  Speaker 1: branded as forever wars. Uh is deserves I think all
• 10:02
  Speaker 1: the criticism in the world. And it is absolutely crazy
• 10:05
  Speaker 1: to think that, you know, one day you can be
• 10:08
  Speaker 1: signing the the approval on a contract for like you said,
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  Speaker 1: insert large defense contractor, and then the next day you're
• 10:17
  Speaker 1: sitting on the board and then two years later you're
• 10:19
  Speaker 1: back in Washington maybe you know, if you were lucky.
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  Speaker 1: And so I think that that is hopefully the kind
• 10:27
  Speaker 1: the kind of thing that we are going to see
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  Speaker 1: a lot of light shed on because I don't I
• 10:32
  Speaker 1: don't know like an American on either side of the
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  Speaker 1: aisle that just thinks that that's okay. You know, waste
• 10:37
  Speaker 1: isn't okay. And we've just especially when the people that
• 10:42
  Speaker 1: pay that price are our kids and our grandkids. You know,
• 10:46
  Speaker 1: I certainly when I look at my family, I want
• 10:48
  Speaker 1: my kids to have a better life than I have.
• 10:51
  Speaker 1: My folks hope that for me, and I think that
• 10:53
  Speaker 1: that trend certainly, of course continues.
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  Speaker 3: Of course, a my kids are already having a past
• 11:00
  Speaker 3: life than me, so I'm not competing. I want him
• 11:04
  Speaker 3: to have a real good life so when I stopped working,
• 11:08
  Speaker 3: they'll be there to pick up the slack for me.
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  Speaker 3: But but seriously, you know, it's it's it's very intractable.
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  Speaker 3: Nobody has ever had the political will to do it.
• 11:20
  Speaker 3: Reagan tried. He managed to cut taxes, but he couldn't
• 11:25
  Speaker 3: cut spending. And you know, but it is interesting thing.
• 11:30
  Speaker 3: This isn't an ad for Trump or anything else. My
• 11:33
  Speaker 3: own preference was the lesser of two evils or the
• 11:38
  Speaker 3: evil of two lessers. That's what we're at least faced with.
• 11:42
  Speaker 3: But this guy like somebody was saying that you think
• 11:47
  Speaker 3: he's stupid. He now he now is going back to
• 11:54
  Speaker 3: the White House, has the Senate, the House, the Supreme Court,
• 11:59
  Speaker 3: the world's just man ever working for him, the most
• 12:03
  Speaker 3: notable Kennedy working for him. So if we can't get
• 12:07
  Speaker 3: it done now, Ted, then it's hopeless, isn't it. Yeah?
• 12:12
  Speaker 1: You know, I think that we have a really interesting
• 12:17
  Speaker 1: window of opportunity as a country is specifically around what
• 12:21
  Speaker 1: we've been talking about here when it comes to efficiency
• 12:24
  Speaker 1: and when it comes to and I would say, hopefully
• 12:27
  Speaker 1: at a minimum, maybe stopping the level of spending, even
• 12:30
  Speaker 1: if we're not able to, like, even if we weren't
• 12:32
  Speaker 1: able to drastically reduce the size of government, which you
• 12:34
  Speaker 1: know we could have again we kind of discussed already,
• 12:39
  Speaker 1: even if they could just stop.
• 12:40
  Speaker 3: The the the.
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  Speaker 1: Balloon that's been occurring, I think it would be a success.
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  Speaker 1: And I think it was Charlie Munger who said, I
• 12:49
  Speaker 1: want to say it was actually this about Elon Musk,
• 12:51
  Speaker 1: which he says never what did he say said, never
• 12:54
  Speaker 1: underestimate a man who overestimates himself. And I always struggle
• 12:58
  Speaker 1: with that one.
• 13:00
  Speaker 3: Yeah, well, uh, well, you know what's amazing here, Ted
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  Speaker 3: is we see like all these governments which are opposed
• 13:10
  Speaker 3: to him, they're all collapsing all over the place. First
• 13:13
  Speaker 3: we see Germany collapse, then France. Uh, probably Canada is collapsing. Now.
• 13:21
  Speaker 3: I don't see how the current occupant there of Ottawa
• 13:25
  Speaker 3: can stay in and uh, you know, his government's collapsed
• 13:30
  Speaker 3: around him. I'll have to carry him out in a stretcher.
• 13:34
  Speaker 3: I have a few links, but I think you're going
• 13:38
  Speaker 3: to see it in China. There's going to be collapse.
• 13:41
  Speaker 3: You know. It's uh, it's really interesting. So getting back
• 13:46
  Speaker 3: to transitioning for retirement, what do you say to the
• 13:49
  Speaker 3: person who says, well, I'm never really gonna fully retire.
• 13:52
  Speaker 1: I think you I'd probably say that you're in good company.
• 13:55
  Speaker 3: You know.
• 13:56
  Speaker 1: I have a real mixed group of people that you know,
• 13:59
  Speaker 1: I've chatted with over the years, and I actually work
• 14:02
  Speaker 1: with the gentleman. I remember, I want to say, maybe
• 14:06
  Speaker 1: two years ago or something, he had retired and he
• 14:09
  Speaker 1: I think he probably stopped working for maybe about eighteen months,
• 14:12
  Speaker 1: and he came back and he basically said, Ted, I'm bored.
• 14:15
  Speaker 1: I'm going to you know, die with my boots on.
• 14:18
  Speaker 1: And I think that really there is some transition people
• 14:21
  Speaker 1: go to for sort of from sort of I'll just
• 14:23
  Speaker 1: say working because they have to pay the bills and
• 14:28
  Speaker 1: working to do something that they find a lot of
• 14:30
  Speaker 1: purpose in and that they enjoy doing. And regardless of
• 14:34
  Speaker 1: what path you take, I think it's really important to
• 14:36
  Speaker 1: think about what you're going to retire too, because retirement
• 14:39
  Speaker 1: isn't the end of the finish line of the marathon,
• 14:41
  Speaker 1: right like you don't just claps the end of it.
• 14:44
  Speaker 1: You know, there's chapters in life, and you're making a
• 14:47
  Speaker 1: big transition for most folks in their financial life, and
• 14:50
  Speaker 1: then they're going to find some purpose in something new
• 14:53
  Speaker 1: and ultimately, again, regardless of whether you're not working entirely
• 14:57
  Speaker 1: or working part time or taking on a new endeavor,
• 15:00
  Speaker 1: I think just really determining hey, what am I going
• 15:03
  Speaker 1: to retire too is just as important as you know,
• 15:08
  Speaker 1: i'll say, the allocations and the decimal points and the
• 15:10
  Speaker 1: percentages and all that stuff.
• 15:13
  Speaker 3: Mm. Yeah, I couldn't agree with you more. So, what
• 15:19
  Speaker 3: do you think looking ahead? And obviously we don't know,
• 15:23
  Speaker 3: but do you think everybody should be putting some money
• 15:27
  Speaker 3: into cryptos?
• 15:29
  Speaker 1: I think that you know, when it comes to when
• 15:33
  Speaker 1: it comes to cryptocurrency, I think I would say a
• 15:34
  Speaker 1: couple of things. You know, I think for a while,
• 15:37
  Speaker 1: over the last even several years, I think cryptocurrency has
• 15:41
  Speaker 1: held a place in my mind where it was more
• 15:43
  Speaker 1: of a speculation than a like real investment, And I'll
• 15:48
  Speaker 1: speak more specifically of bitcoin in that scenario. I think
• 15:51
  Speaker 1: at this point, though, it's pretty hard to deny the
• 15:54
  Speaker 1: power that bitcoin currently has. Up until what the last
• 15:58
  Speaker 1: week and a half, with all the discoveries we've seen
• 16:01
  Speaker 1: posted about Google achieving in terms of quantum computing, I
• 16:06
  Speaker 1: think there's a little bit of concern that those type
• 16:08
  Speaker 1: of computers could crack the code for a bitcoin. But
• 16:11
  Speaker 1: should people have money invested in it, well, you know,
• 16:14
  Speaker 1: I think, I guess I would say this, it's a
• 16:16
  Speaker 1: cautionary side. Fear of missing out is not an investment strategy.
• 16:20
  Speaker 1: And so while I don't categorize bitcoin just as a
• 16:23
  Speaker 1: speculation anymore, I do think it is investment, as volatile
• 16:26
  Speaker 1: as that may be, I just wouldn't guide folks towards
• 16:29
  Speaker 1: investing a bunch of money because they're afraid of missing out.
• 16:32
  Speaker 1: And certainly the other principle that comes to my mind
• 16:34
  Speaker 1: is don't risk the empire for a pot of gold,
• 16:38
  Speaker 1: and so you know, don't take unnecessary risk. As the
• 16:41
  Speaker 1: whole point there, I think when I look at bitcoin
• 16:44
  Speaker 1: as to where it fits, I think that it trades
• 16:47
  Speaker 1: a lot like equity right now, a lot like technology stocks.
• 16:51
  Speaker 1: You see the correlation with it, and so just like
• 16:54
  Speaker 1: you know, you might see folks guide toward a diversified
• 16:58
  Speaker 1: mix of stocks, big technology stocks, you might include bitcoin
• 17:02
  Speaker 1: as a piece of that. But I think, really where
• 17:04
  Speaker 1: it fits as it trades a lot like an aggressive equity,
• 17:06
  Speaker 1: and so sure, you know, I probably wouldn't put more
• 17:09
  Speaker 1: than two to five percent of my money in that asset.
• 17:15
  Speaker 1: But I think it's beyond the point now where you
• 17:17
  Speaker 1: can can avoid the discussion. And I mean, the truth is,
• 17:24
  Speaker 1: I think it's pretty clear that we're at almost ground
• 17:27
  Speaker 1: zero with governmental and institutional adoption, and there's potential for
• 17:32
  Speaker 1: a whole lot of more growth from here. To say
• 17:35
  Speaker 1: nothing of the FED.
• 17:37
  Speaker 3: Yeah, to say nothing of the Fed, yeah, So all right,
• 17:42
  Speaker 3: But so you put a small bit because it looks
• 17:45
  Speaker 3: like Trump is held bent on setting up a national
• 17:49
  Speaker 3: bitcoin reserve, and if he does that, who knows how
• 17:55
  Speaker 3: how high the price can go?
• 17:56
  Speaker 1: Sure, you know, I think, like I said, yeah, a
• 17:59
  Speaker 1: ground zero for governmental adoption and institutional adoption. Maybe not
• 18:03
  Speaker 1: quite ground zero, but close to it. I think that
• 18:06
  Speaker 1: that him doing that, I think is really interesting for
• 18:10
  Speaker 1: several reasons. One, I do think that there's been because
• 18:13
  Speaker 1: of the discussion in the last several years about how
• 18:16
  Speaker 1: much spending we've had, is that there needs to be
• 18:18
  Speaker 1: some alternative to quote unquote the dollar as a reserve currency. Well,
• 18:23
  Speaker 1: I think really interestingly, if you look across the crypto market,
• 18:28
  Speaker 1: almost all crypto is priced is in US dollars, like
• 18:33
  Speaker 1: as compared to US dollars. And to your point, given
• 18:39
  Speaker 1: the broader you know, uh international scope you mentioned China,
• 18:43
  Speaker 1: and you know some some decline h and you know
• 18:47
  Speaker 1: some of these bricks countries, et cetera. If the United
• 18:50
  Speaker 1: States has a substantial amount of bitcoin and it does
• 18:54
  Speaker 1: continue to go up, I think it protects two things.
• 18:56
  Speaker 1: I think it actually protects interestingly, the dollar as a
• 18:59
  Speaker 1: reserve currency because everything is priced typically in the crypto
• 19:03
  Speaker 1: world to US dollars. And of course you have the
• 19:05
  Speaker 1: balance sheet potential, right if bitcoin goes up a lot,
• 19:09
  Speaker 1: it potentially of course puts the US had a better situation.
• 19:12
  Speaker 3: All right, well this is interesting. Hey, how do we
• 19:16
  Speaker 3: get your book? TeV? That a great question.
• 19:19
  Speaker 1: So if you just go to our website bright Lakewealth
• 19:21
  Speaker 1: dot com.
• 19:22
  Speaker 3: There's a tab we have there.
• 19:23
  Speaker 1: It says, you know, just off for our book, Launch
• 19:26
  Speaker 1: your Retirement, of course, is the title. You can find
• 19:29
  Speaker 1: it on Amazon. Just google Launch your Retirement. You can
• 19:33
  Speaker 1: go to launch my Retirement dot com. It's they're available.
• 19:36
  Speaker 1: But if you just search for the name of the book,
• 19:37
  Speaker 1: you'll be able to find it real easily.
• 19:39
  Speaker 3: All right, Well, we got a link in the show
• 19:41
  Speaker 3: notes this interview on Financial Survival Network your book, what's
• 19:45
  Speaker 3: your what's your regular company website?
• 19:48
  Speaker 1: Brightlakewealth dot com.
• 19:50
  Speaker 3: All right, of course that's in there. And I've got
• 19:53
  Speaker 3: any questions for Ted myself, shoot me an email k
• 19:56
  Speaker 3: l at Kerrie LUTs dot com. When you visit Financially
• 20:00
  Speaker 3: Survival Network dot com you find the links right there
• 20:02
  Speaker 3: in the show notes. While you're there, we just ask
• 20:05
  Speaker 3: you to please sign up for your free newsletter like
• 20:08
  Speaker 3: sixty thousand other FSN community members have and tet we
• 20:14
  Speaker 3: will talk to you soon. Thank you, Kerry, good to
• 20:16
  Speaker 3: be with you.
• 20:16
  Speaker 2: Thanks for listening to Carrie Letz's Financial Survival Network your
• 20:21
  Speaker 2: solution to today's trying times. For the latest, go to
• 20:25
  Speaker 2: Financial Survivalnetwork dot com. Financial Survival Network now more than
• 20:31
  Speaker 2: ever