Latest / WCHS Network Podcasts / 05/04/2026 Retire Right Radio with John Burdette

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05/04/2026 Retire Right Radio with John Burdette · WCHS Network Podcasts

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Speaker 1: The views and opinions expressed on this program do not
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Speaker 1: necessarily reflect the views and opinions of five ADWCHS, its employees,
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Speaker 1: or WVRC Media. This is retire Right Radio, a weekly
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Speaker 1: show from John Verdett at Fourth Avenue Financial that aims
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Speaker 1: to answer your questions about financial planning, investing, and how
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Speaker 1: to retire right. Fourth Avenue Financial is located in downtown
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Speaker 1: Charleston at one seventy Court Street. More information online at
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Speaker 1: Fourth Avenue Financial dot com. Join the conversation by calling
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Speaker 1: three oh four three four five fifty eight fifty eight
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Speaker 1: or text three oh four nine three five fifty oh eight.
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Speaker 1: On Retire Right Radio, Let's go live to the studio
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Speaker 1: with host Dale Cooper and John Verdett from Fourth Avenue
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Speaker 1: Financial HST.
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Speaker 2: Hello, Hello, good morning, Monday morning.
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Speaker 3: You're listening to the voice from Charles on five ADAWCHS.
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Speaker 3: John Burdett back in the studio today. Was my fault
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Speaker 3: last week that we didn't get on the air. John's
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Speaker 3: going to be back with me tomorrow. I'm filling in
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Speaker 3: for Dave Allen tomorrow on five Live, and we're going
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Speaker 3: to take our show and do a little bit more
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Speaker 3: of a broad form. Going to ask John about some
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Speaker 3: stuff that's happening in today's world and some strategies for
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Speaker 3: planning for retirement. That's what we talk about all the time.
1:11
Speaker 3: But we're going to kind of reset it for the
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Speaker 3: nine o'clock hour tomorrow. John's going to be with me
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Speaker 3: for the last half or so of the show tomorrow
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Speaker 3: for a new audience.
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Speaker 2: They'll make up for the show that we missed last week.
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Speaker 4: I think, yeah, yeah, well and there again you missed
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Speaker 4: the first one and then I forgot about.
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Speaker 2: This yeah last week. So yeah, it all works out.
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Speaker 2: It happens.
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Speaker 3: John Burdad is here for you this morning if you
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Speaker 3: want to learn how you can retire right if you
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Speaker 3: have any questions about what you can do to get
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Speaker 3: into retirement. Of course, there's so much going on and
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Speaker 3: when you talk about the financial world and things like
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Speaker 3: that right now this show, what John likes to try
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Speaker 3: to relate to you is to turn down the noise
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Speaker 3: a little bit and to show you how to work
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Speaker 3: a plan, because if you have a plan and you
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Speaker 3: work it, it really doesn't matter a whole lot what
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Speaker 3: goes on on the outside, and numbers bear that out
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Speaker 3: over a long, long period of time. So if you
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Speaker 3: have any questions about how you can plan for your
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Speaker 3: retirement safe way to do it. Maybe you have some questions,
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Speaker 3: maybe you're a little bit nervous, anything along those lines.
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Speaker 3: John can try to help you out through that a
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Speaker 3: little bit this morning and give us a call. Threes
2:09
Speaker 3: or a four three four five fifty eight fifty eight
2:10
Speaker 3: three four five fifty eight fifty eight. You can text
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Speaker 3: threes are a four non three five five zeros you're eight.
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Speaker 3: Threes are a four non three five five zero zero eight.
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Speaker 3: We always like to try to start the show talking
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Speaker 3: about the previous week that happened in the market, and
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Speaker 3: then we had some earnings reporting and so forth. Last
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Speaker 3: week things are turning along.
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Speaker 4: They really are, I mean a pretty much all the
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Speaker 4: companies met the mark. I mean there were some, you know,
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Speaker 4: some of the usual things where yes, we beat earnings,
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Speaker 4: but then the stock goes down a little bit.
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Speaker 3: How many of us all like the three of those
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Speaker 3: articles like this is just the stuff that we talk about.
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Speaker 2: The earnings were great, but not good enough for what's right.
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Speaker 4: It's right and usually and you saw that last week
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Speaker 4: most of the stocks that did dip, you know, made
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Speaker 4: most of it back by the end of the week.
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Speaker 4: Earnings have grown by double digits. Now for six quarters
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Speaker 4: in a row. This year it's it's fourteen percent. So
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Speaker 4: that's a pretty healthy backdrop. You know, companies are really
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Speaker 4: making money. It seems to be accelerating the economy while
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Speaker 4: it's not growing gangbusters, it's solid. It's solid. You look
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Speaker 4: at most of the data points and there aren't any
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Speaker 4: major red flags out there. So it's a good backdrop.
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Speaker 2: You know.
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Speaker 4: Folks that wonder how our suck's going up with what's
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Speaker 4: going on in the world, Well, what's going on in
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Speaker 4: the world is the companies are making money, and that's
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Speaker 4: what matters when you own the company.
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Speaker 3: Yeah, I mean, maybe it's not the greatest, greatest time
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Speaker 3: to be invested in peaceful nations, dot com or like that,
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Speaker 3: but there are companies out there that know how to
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Speaker 3: make money during during times like this, you know, and you.
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Speaker 4: Know, most of those earnings come from our daily living,
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Speaker 4: the actions we take, and that's pretty resilient. We don't
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Speaker 4: change our habits that often, so the companies that we
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Speaker 4: utilize consume in our daily lives, we're still doing that.
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Speaker 4: And the earnings proved set.
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Speaker 2: Out meant to send you.
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Speaker 3: I didn't want to act like your like personal secretary
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Speaker 3: or annoy you too much this weekend because I got
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Speaker 3: several ideas that dawned on me with some stuff that
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Speaker 3: I was reading, and one of the things that I
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Speaker 3: came across that I don't know, we might have to
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Speaker 3: talk about this long form at some point because I
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Speaker 3: thought it was fascinating, but I didn't get a chance
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Speaker 3: to send it to you. Somebody in the financial spectra
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Speaker 3: did a deep dive on Michael Jackson and it was
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Speaker 3: absolutely financing. It was absolutely it was extraordinarily interesting, and
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Speaker 3: I think that you you would have found it interesting too,
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Speaker 3: because it examined his history from a financial standpoint and
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Speaker 3: and examined mistakes that he made along his way on
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Speaker 3: why he when he died, he died in so much debt,
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Speaker 3: how he mishandled his music catalog that he bought from
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Speaker 3: Sony and all that stuff, and then it told the
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Speaker 3: story of after he passed how the people that took
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Speaker 3: over his estate have now turned it into what it
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Speaker 3: should have been, which is a multi billion dollar estate
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Speaker 3: that is now making tons of money. He's no longer
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Speaker 3: he's dead, but he's no longer in debt anymore. He
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Speaker 3: died with a massive debt, and now it's an extraordinarily
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Speaker 3: profitable estate because they did, honestly, many of the things
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Speaker 3: that you talk about on this show, allocating out his debts,
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Speaker 3: figuring out a way to pay those off, and then
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Speaker 3: figuring out a way to turn those back into profits.
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Speaker 3: They did it, and he's making and that estate is
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Speaker 3: now making tons of money again. And when I was
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Speaker 3: reading it, I was like, holy cow, this is like
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Speaker 3: a John class.
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Speaker 2: Yeah.
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Speaker 4: Well, you know that happened with Elvis too, right, yeah,
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Speaker 4: right away, he didn't have a whole lot of wealth,
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Speaker 4: but boy, the estate turned it around. And that goes
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Speaker 4: to show that it's not always how much you make,
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Speaker 4: it's what you do with what you make and the
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Speaker 4: decisions you make. And usually, you know, monkeys and lamas
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Speaker 4: are bad financial decisions.
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Speaker 3: This article started off with a story where they had
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Speaker 3: interviewed well actually they had taken portions of an interview
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Speaker 3: from that Michael Jackson's bodyguards did. And one of the
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Speaker 3: stories that this article started off with was him walking
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Speaker 3: into an antique store sometime it was just a few
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Speaker 3: years before he died and spending upwards of sixty million
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Speaker 3: dollars and just twenty minutes just on random like stuff
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Speaker 3: that you know, according to the people with witnesses and stuff,
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Speaker 3: he probably never looked at again. He just like went
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Speaker 3: in there and bought all this stuff, send it to
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Speaker 3: the ranch or whatever, and then it was in his home,
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Speaker 3: you know, like no real reason to buy it or
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Speaker 3: anything else, just it was there and he bought it.
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Speaker 3: It's just an incredible way to waste money. And not
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Speaker 3: all of us going to afford to do that on
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Speaker 3: for sixty million dollars, you know, but certainly, you know,
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Speaker 3: maybe you have that three hundred dollars xbox or gaming
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Speaker 3: system or something like that that your kid once or
6:34
Speaker 3: whatever it might be, it might be really tempting to
6:36
Speaker 3: get it. Now, go into debt or whatever it might be.
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Speaker 3: It start, you can start small, whatever it is. It
6:40
Speaker 3: can start small. Suddenly you can't pay that off, and
6:43
Speaker 3: then you're looking at well, the next birthday you're going
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Speaker 3: to have to get something else on it, and then
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Speaker 3: before you know it, you're you're upside down.
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Speaker 4: Yep, you're upside down and buying monkeys.
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Speaker 3: You don't want to buy monkeys, that's for sure. That's
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Speaker 3: for sure you can get in on the conversation this morning.
6:56
Speaker 3: Three zerre a four three four five fifty eight fifty eight.
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Speaker 3: Threes are a four three four five fifty five. It
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Speaker 3: is our number.
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Speaker 2: I thought, you know, one of the things that John
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Speaker 2: has on.
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Speaker 3: Top of Fourth Avenue Financial, which is located on Court
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Speaker 3: Street in downtown Charleston, is, of course his wife runs
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Speaker 3: the business of Inntages Vines over in South Charleston, and
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Speaker 3: you have a final shop over there. And of course,
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Speaker 3: of course John is a huge classic rock fan. Yeah,
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Speaker 3: you like all kinds of music, but we talk about
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Speaker 3: classic rock a lot and different things along those lines.
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Speaker 3: So I was playing around this weekend with trying to
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Speaker 3: match up some classic rock songs with some themes that
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Speaker 3: we talk about on this program. So I thought there
7:29
Speaker 3: would be a couple of things here that might be
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Speaker 3: interesting for us to go down, just to give us
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Speaker 3: a way.
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Speaker 2: To talk about some of the stuff that we always
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Speaker 2: talk about.
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Speaker 3: Anyway, there's nothing really new here, so I thought we
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Speaker 3: could start off with Pink Floyd's Money. Right, that's maybe
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Speaker 3: the most rote to thing in the world to start
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Speaker 3: with when it comes with finances. It's been the theme
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Speaker 3: on how many finance shows and everything else. But there
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Speaker 3: is something to be said about that. There's the sounds
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Speaker 3: of the cash resorts. They talk about money, and the
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Speaker 3: thing is, it's actually very succinct because it is what
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Speaker 3: drives things. I mean money, it's sort of the thing
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Speaker 3: should that exchanges hands. Cash register, cash register, cash register.
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Speaker 3: That's true, I mean, that's how society works. And so
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Speaker 3: the first thing you have to kind of do is
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Speaker 3: is find a way to make your money go to
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Speaker 3: work for you.
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Speaker 4: Absolutely, and you know, and remember too, every time that
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Speaker 4: cash register rings, you know, that's a transaction. That money
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Speaker 4: is just how we how we trade and goods and services,
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Speaker 4: and money is not a finite thing. It expands, you
8:27
Speaker 4: know if if the way the banking system works, you know,
8:31
Speaker 4: if I do a deal with you, you take that money,
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Speaker 4: you put it in the bank. Now the bank then
8:38
Speaker 4: has that asset and they can leverage that into more
8:41
Speaker 4: money it via loans and things of that nature. So
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Speaker 4: you know, money expands when it's being put to use.
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Speaker 4: And I think a lot of folks you know that
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Speaker 4: doesn't mean you know, frivolous spending, but it expands it
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Speaker 4: If you do the right things with money, you attract
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Speaker 4: more money. It's just the way it works.
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Speaker 2: And uh.
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Speaker 4: And it's learning to to do that and uh. And
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Speaker 4: this is a great song, a great album obviously.
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Speaker 2: Yeah, the whole song is about money.
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Speaker 4: The whole songs about money. And you know, mentions buying
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Speaker 4: a football team. That would have been a great investment too,
9:18
Speaker 4: if I think about But but yeah, you have to
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Speaker 4: have your money doing the right things for you. You
9:27
Speaker 4: have to treat it right. And it does not matter.
9:30
Speaker 4: Just like in the case of Michael Jackson that we
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Speaker 4: just talked about, it does not matter how much money
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Speaker 4: you earn. If your habits are not sound, you will
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Speaker 4: not keep it. Money likes to live where it's treated
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Speaker 4: well and handled right.
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Speaker 2: And uh.
9:45
Speaker 4: And the rules to that are are very simple. But
9:50
Speaker 4: but you know, life intrudes and our desires sometimes outweigh
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Speaker 4: our logic, and before you know it, we are on
9:59
Speaker 4: the wrong side out of that compound interest equation. You
10:03
Speaker 4: know that power that that compound interest has that works
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Speaker 4: for you. We talk about that all the time. How
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Speaker 4: much if you start today small, how great it can
10:14
Speaker 4: grow to in the future. Well, when you're having consumer debt,
10:18
Speaker 4: you're paying two or three times the rate of return
10:21
Speaker 4: that you could earn on that money to someone else.
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Speaker 4: How are you going to build wealth if you're consistently
10:27
Speaker 4: doing that.
10:28
Speaker 2: It's impossible.
10:30
Speaker 4: It's impossible unless you just happen to know, hit the
10:32
Speaker 4: lottery or something. But you're not going to earn your
10:36
Speaker 4: way out of a problem like that unless you have
10:38
Speaker 4: a little bit of discipline that you put in place.
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Speaker 3: I have a feeling, and I don't know if this
10:42
Speaker 3: is true for sure, but one of the barriers for
10:44
Speaker 3: people maybe even reaching out to you to begin with,
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Speaker 3: is that people think that living below their means is
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Speaker 3: like a rich person's job or like something that will
10:53
Speaker 3: I don't make that much money. There's no way I
10:54
Speaker 3: can live below my means. And yeah, I know that
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Speaker 3: it gets harder. It definitely gets harder the less money
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Speaker 3: you make. And there's problems you having. You got to
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Speaker 3: do what you need to do to eat and put
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Speaker 3: food on the table and take care of your family
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Speaker 3: and stuff like that. There's no question about that. But
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Speaker 3: have you examined exactly what's going on and exactly what
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Speaker 3: it means. It doesn't have to start huge. It can
11:10
Speaker 3: start with small things. Whatever it might be that you
11:13
Speaker 3: can give yourself a little bit of room, whether it
11:15
Speaker 3: be canceling some subscriptions, paying off a little credit card
11:18
Speaker 3: that gives you a little bit of room, whatever it
11:19
Speaker 3: might be, you can give yourself a little bit of
11:21
Speaker 3: a breathing room somewhere. You need to find somewhere to
11:24
Speaker 3: start for it.
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Speaker 4: Yeah, you know, like you say, small amounts make big
11:27
Speaker 4: differences over time. And if you never break that cycle,
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Speaker 4: if you never get to where you're creating consistent savings
11:35
Speaker 4: and then ultimately investment out of your monthly budget, you
11:40
Speaker 4: will never escape that that feeling of you're always on
11:43
Speaker 4: the treadmill, you'll never escape it. So if you want
11:48
Speaker 4: to change the way you are financial status is, you
11:52
Speaker 4: have to make a choice. To change that, you have
11:56
Speaker 4: to live below your means. And like you say, somebody
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Speaker 4: that makes a million dollars a year certainly has to
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Speaker 4: save a whole lot more money to keep that lifestyle
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Speaker 4: up eventually in retirement. But if you make twenty five
12:10
Speaker 4: thousand dollars a year, you know, you still have to
12:13
Speaker 4: do some type of savings or you'll never escape. And
12:17
Speaker 4: then the next thing is, you know, think about the
12:20
Speaker 4: things you want. You know, let's say I want a
12:25
Speaker 4: you know, new car or a new TV or something
12:28
Speaker 4: like that. You think, well, I can go buy it
12:30
Speaker 4: with my credit card or taking out a loan that
12:33
Speaker 4: sort of thing. Well, now that that item costs you
12:36
Speaker 4: more because that interest is consistently adding to the cost
12:40
Speaker 4: of that. And that interest not only adds to the
12:43
Speaker 4: cost of that, that interest restricts you from being able
12:47
Speaker 4: to create savings and investment. And so you know, sometimes
12:52
Speaker 4: it's it might be if you want to buy that TV,
12:56
Speaker 4: just wait three months, wait four months, and save the
12:58
Speaker 4: money to buy it. You know, that alone saves you,
13:03
Speaker 4: saves you money because now you're not in that debt
13:06
Speaker 4: cycle that's so hard to get out of. And and
13:09
Speaker 4: it's so easy today with these what they call it a.
13:14
Speaker 2: Firm or a car pay after pay, all those type
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Speaker 2: of things.
13:18
Speaker 4: You know, you go to check out and say, hey,
13:20
Speaker 4: it's interest free, we'll break this into four payments. Well,
13:24
Speaker 4: before you know it, if you if you do those
13:26
Speaker 4: type of things, the next thing you know, well you're
13:29
Speaker 4: not paying it off in four payments. Now you owe
13:31
Speaker 4: all kinds of interest. I mean, you know these financial
13:34
Speaker 4: institutions aren't giving you money for free.
13:38
Speaker 3: Yeah, they know that people want to slip up that
13:39
Speaker 3: if they do it enough that there's going to be
13:41
Speaker 3: another a person that can't make the payment the one
13:43
Speaker 3: month and then they get the interest triggered or whatever
13:45
Speaker 3: it's going to be that happens to it. There's there's
13:47
Speaker 3: there's there's a trick. There's a trick. Trust me, they're
13:50
Speaker 3: not just doing it for free. All just take as
13:51
Speaker 3: long as you want to pay this back.
13:52
Speaker 2: It's fine. Yeah.
13:54
Speaker 4: And and and when you think about money, like we've
13:57
Speaker 4: talked about before, being the being how we transact goods
14:02
Speaker 4: and services, the ability to serve someone, create goods and
14:06
Speaker 4: services and serve other people. That's how you actually build
14:11
Speaker 4: build wealth. You know, it's not the dollar bill. So
14:14
Speaker 4: if you want something and you can't afford it at
14:18
Speaker 4: your station in life, than what should you do? Well,
14:22
Speaker 4: you shouldn't borrow to get it. You should look at
14:25
Speaker 4: your internally and say, okay, I need to earn this
14:29
Speaker 4: amount of money and save this amount of money to
14:31
Speaker 4: get that. Are there things you can do? Are there
14:34
Speaker 4: side hustles you can do? Are there things in your
14:37
Speaker 4: career that you can do and maybe invest in to
14:41
Speaker 4: allow you to serve at a higher level? You know, skills, qualifications,
14:46
Speaker 4: things like that that might help you earn more. You know,
14:49
Speaker 4: think about things a little bit like that, rather than
14:53
Speaker 4: just I'm at this station and I want that and
14:55
Speaker 4: I need to go get it. You know, think about
14:58
Speaker 4: that transaction and what it really what it really means,
15:02
Speaker 4: and how you can achieve what you want because you
15:05
Speaker 4: know everything out there. I sometimes, you know, you go
15:09
Speaker 4: to New York City or you go somewhere and you
15:10
Speaker 4: see all the buildings and you see all the people,
15:12
Speaker 4: and and you look around and think, gosh, somebody owns
15:16
Speaker 4: all this stuff. You know, how did they do it?
15:20
Speaker 2: Well?
15:22
Speaker 4: You know, in my mind it's like, well, if somebody
15:24
Speaker 4: can do it, then I can do it too.
15:26
Speaker 3: I use that so often with things like even like
15:29
Speaker 3: when I'm talking to my wife about something that she's frustrated,
15:31
Speaker 3: I'm like, do you know all of the idiots out
15:32
Speaker 3: there that can do this?
15:33
Speaker 2: Right?
15:34
Speaker 3: I mean, I don't mean but seriously sometimes I don't
15:37
Speaker 3: mean to be too bold with me.
15:39
Speaker 4: But it's a mindset that you can you can, you know, say, Okay,
15:44
Speaker 4: it's not impossible to have the things that I that
15:46
Speaker 4: I want.
15:47
Speaker 2: I just need to figure.
15:48
Speaker 4: Out how people make that happen. And large things that
15:53
Speaker 4: people have and want. They they have it. They have
15:55
Speaker 4: it because they know how money works. They know how
16:00
Speaker 4: that process works, and they're disciplined enough to stick to it.
16:03
Speaker 4: And you know that's I don't know how we get
16:08
Speaker 4: the pink Floyd there, but certainly money is what we want. Yeah,
16:12
Speaker 4: money is something that's right. You know, money is something
16:17
Speaker 4: that is not It's almost not a physical thing. I mean,
16:24
Speaker 4: it's it's really how you think about it and how
16:27
Speaker 4: you attract it. I mean that sounds almost metaphysical, but
16:30
Speaker 4: but there's something to that.
16:32
Speaker 2: That's great information.
16:33
Speaker 3: Genre Dad from Fourth Avenue Financial, we take a break
16:37
Speaker 3: here in just a few minutes. We're kind of pairing
16:39
Speaker 3: up some financial disciplines with some some classic rock music,
16:43
Speaker 3: trying to have a little bit of fun with that.
16:44
Speaker 3: We're talking about money, which is what makes the whole
16:47
Speaker 3: thing go around. That's what makes retirement and everything work.
16:50
Speaker 3: And if we move on from from the hiss of
16:52
Speaker 3: the vinyl on dark side of the mood and put
16:54
Speaker 3: on put on the Beatles and maybe something a little
16:57
Speaker 3: brighter sounding, a little bit more, a little bit more wistful,
17:01
Speaker 3: and that would be the long and winding road from
17:03
Speaker 3: that's McCartney singing there and that does describe a bit
17:07
Speaker 3: when it comes to retirement. What I thought would be
17:09
Speaker 3: interesting to talk about when we talk about this journey
17:11
Speaker 3: on the long and winding road for retirement. We talk
17:14
Speaker 3: about that journey a lot, but what does a healthy
17:16
Speaker 3: retirement look like at the end? What do we want
17:19
Speaker 3: the person when they finally pull the pin on their
17:22
Speaker 3: retirement and they're ready to go, What should their life
17:25
Speaker 3: look like for their next for the next era of
17:28
Speaker 3: their life.
17:29
Speaker 2: Well, of course that's going to vary for everybody. I think.
17:32
Speaker 4: I think the thing that you want to achieve is
17:36
Speaker 4: emotional satisfaction and some confidence built around it, whatever that is.
17:42
Speaker 4: You know, some people are fine being retired living on
17:48
Speaker 4: two thousand a month. Some people need twenty thousand a
17:50
Speaker 4: month to have that same satisfaction level. I think that
17:55
Speaker 4: there again, money is important, but it is still a mindset. Know,
18:00
Speaker 4: what are you going to do in retirement as the
18:04
Speaker 4: next chapter to make yourself feel like you're making a
18:09
Speaker 4: contribution in some fashion? You know, what is the next
18:13
Speaker 4: chapter is?
18:14
Speaker 2: It?
18:14
Speaker 4: Is it traveling around and seeing things you want to see?
18:17
Speaker 4: Great that that's fulfilling to you. That's an emotional thing.
18:20
Speaker 4: Is it spending more time with the family, you know,
18:23
Speaker 4: is it volunteering at charities?
18:25
Speaker 3: Is it?
18:26
Speaker 4: You know, the folks that I find that that seem
18:30
Speaker 4: to be most pleased with retirement, Yes they have money,
18:35
Speaker 4: but they also have purpose and and that's really not
18:40
Speaker 4: different than what we just talked about. You know, what
18:43
Speaker 4: is your purpose to? You know, yes, I want these
18:46
Speaker 4: things and I want to achieve these things, but there's
18:49
Speaker 4: a while behind everything.
18:52
Speaker 2: Why do we want to?
18:53
Speaker 1: So?
18:53
Speaker 4: Why do and understanding that and working towards that is
18:57
Speaker 4: this that doesn't really change in retirement. It's just you're
19:00
Speaker 4: able to do things. If you've done the correct financial
19:04
Speaker 4: steps a long way, you're able to do them without
19:07
Speaker 4: putting in the eight hour day anymore. And so it
19:10
Speaker 4: gives you more time to go into that next chapter
19:14
Speaker 4: and turn that that you know, long and winding road
19:17
Speaker 4: into a longer road hopefully where you can spend more time,
19:23
Speaker 4: even if it's not as the same number of years
19:26
Speaker 4: maybe that you had before. Now you control all of
19:28
Speaker 4: your time because you've put your money to work correctly.
19:32
Speaker 3: That's Jombredet and Fourth Avenue Financial talking a little bit
19:35
Speaker 3: about the long and winding road for retirement this morning,
19:37
Speaker 3: using your money. We're going to talk about maybe some
19:39
Speaker 3: ways that you don't want to ge fooled again when
19:41
Speaker 3: we come back. That's going to maybe plant to see
19:44
Speaker 3: there just a little bit. Johnbredet is in studio with
19:46
Speaker 3: us this morning from Fourth Avenue Financial online, Fourth Avenue
19:48
Speaker 3: Financial dot com.
19:49
Speaker 2: You spell out the whole thing.
19:50
Speaker 3: Fourth Avenue Financial dot Com located once time to Court Street,
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Speaker 3: Downtown Charles and their phone numbers three es are A
19:55
Speaker 3: fourth seven four six seven nine seven seven seven four
19:57
Speaker 3: six seven nine seven seven. You can call us this
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20:00
Speaker 3: eight fifty eight three four to five fifty eight fifty
20:02
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20:05
Speaker 3: zero eight. We're going to take a break and be
20:07
Speaker 3: back right after this. You're listening to retire Right Radio
20:10
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20:12
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20:55
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22:05
Speaker 1: This is Retire Right Radio with John Burdett from Fourth
22:09
Speaker 1: Avenue Financial, taking your calls at three oh four three
22:12
Speaker 1: four five fifty eight fifty eight or texts on three
22:16
Speaker 1: oh four nine three five fifty oh eight.
22:32
Speaker 3: It's kind of a long intro, but I've always loved it.
22:34
Speaker 3: Oh yeah, you know what it is right off the
22:35
Speaker 3: top of your head. You're listening to retire Right Radio FIVEWHS.
22:38
Speaker 3: The voice of charleson am Deel Cooper in studio with
22:40
Speaker 3: me is John Bredett from Fourth Avenue Financial talking a
22:43
Speaker 3: little bit this morning about the themes of investing in
22:47
Speaker 3: retiring rights. Pete Townsend, who's going to take us into
22:53
Speaker 3: not being fold again, which I think is an important
22:57
Speaker 3: part because when we talk about when we talk about
22:59
Speaker 3: things about investing, things along those lines, being fold is
23:03
Speaker 3: something that I mean, I think sometimes it just it
23:06
Speaker 3: can just happen to you, right, I mean, everybody can
23:07
Speaker 3: make a mistake every once in a while. Townsend's anthem
23:10
Speaker 3: is about revolution that circles back to the same place,
23:13
Speaker 3: the new bass same as the old ball boss and investing.
23:16
Speaker 3: This is the cycle of market hype. Every generation gets
23:18
Speaker 3: fooled by a new wave of speculation, the tech bubble,
23:21
Speaker 3: crypto memes, thoughts, whatever it might be that look different
23:23
Speaker 3: on the surface but runs the same psychological pattern underneath.
23:26
Speaker 4: There you go, and I will say, I think that
23:28
Speaker 4: song maybe if you if you want a song to
23:34
Speaker 4: represent what rock is, I think that's a good pretty dark, close,
23:37
Speaker 4: pretty darn clothes. It's got attitude, it's got the you know,
23:41
Speaker 4: it's got the guttural scream in the middle of it.
23:44
Speaker 2: You know, it pretty much checks all the all the
23:46
Speaker 2: rock box No I get you, Yeah, like that.
23:48
Speaker 3: The Who and Zeppelin I think really embody some of that,
23:52
Speaker 3: just like what when you think about rock and roll,
23:54
Speaker 3: sometimes they really embody that.
23:55
Speaker 2: Sometimes I think I get where you're coming from there anyway.
24:00
Speaker 2: But yeah, it's one good fooled again.
24:01
Speaker 4: You know, there's all kinds of things out there that
24:04
Speaker 4: that we fall victim of. And you know, one of
24:09
Speaker 4: the things, and we've we've hit on this before. I
24:11
Speaker 4: think right now, it's this concept of gambling and the
24:17
Speaker 4: gamification of things, thinking that that is actually a path
24:22
Speaker 4: to future wealth and and and that's totally different from investing.
24:28
Speaker 4: And and it's a it's a fools game to gamble
24:31
Speaker 4: because you know that if you play long enough, you're
24:33
Speaker 4: going to you're going to lose. You might win a
24:36
Speaker 4: few from time to time, but over time you're going
24:39
Speaker 4: to lose because that's the way the game is set up.
24:42
Speaker 4: That's not how investing works. You know, investing, you're putting
24:45
Speaker 4: your money to work in companies that are serving people,
24:50
Speaker 4: providing value for people, and if they're successful, they grow
24:53
Speaker 4: and nobody loses in that scenario. That's a whole different,
24:59
Speaker 4: different thing. It might seem similar because oh, you see it.
25:04
Speaker 4: You know, your balance in your account going up and
25:07
Speaker 4: down in the gambling account as well, but it's a
25:09
Speaker 4: totally different structure. And I think that that is the
25:12
Speaker 4: biggest fools game around.
25:14
Speaker 3: Right now you can see the shells of these moment
25:19
Speaker 3: by moment things that blip on the screen. I was
25:25
Speaker 3: reading this article. This was a few weeks ago, but
25:28
Speaker 3: it was so stark in that I think they took
25:30
Speaker 3: maybe eight or ten of the top crypto slash what
25:34
Speaker 3: were those things called with the monkeys, the the digital monkeys.
25:38
Speaker 3: I can't even remember what they were called, now, you
25:39
Speaker 3: know what I mean? Yeah, the digital a in NFL
25:43
Speaker 3: n f not nil, the n f TS, yeah, the NFTs. Gosh, man,
25:47
Speaker 3: it's like it wasn't even that long ago, right, it
25:49
Speaker 3: took Like, of course, cryptocurrency is still around, but these
25:52
Speaker 3: were the people that were that were the highest influencers
25:55
Speaker 3: around the time of the n f T, S, Bitcoin,
25:59
Speaker 3: all these different things that they were influencing about the
26:01
Speaker 3: meme stocks.
26:02
Speaker 2: So there were these people that were that that was.
26:04
Speaker 3: Their stock in trade and be a millionaire in a
26:06
Speaker 3: minute or whatever it might be, right, and so this
26:09
Speaker 3: article traced back to their social media accounts, every single one.
26:13
Speaker 3: Now of course it was it was probably picking from
26:15
Speaker 3: the dozen, so I mean, you know, so you go
26:17
Speaker 3: in and you find eight that have failed, so that
26:18
Speaker 3: maybe there were some that have succeeded, but these were
26:20
Speaker 3: huge influencers at the time. And of the I think
26:22
Speaker 3: it was eight of the eight, five of them you
26:25
Speaker 3: no longer could find a social media presence for, and
26:28
Speaker 3: three of them had pivoted on to completely something else.
26:30
Speaker 3: And then I think one guy was into like wick
26:32
Speaker 3: and stuff or something like that, you know. So, I
26:34
Speaker 3: mean it's like people just find moved from scam to
26:37
Speaker 3: scam to scam.
26:38
Speaker 4: And the thing about it, you know, in those type
26:39
Speaker 4: of things, somebody does make money. Now they make money
26:43
Speaker 4: by pickpocketing all.
26:45
Speaker 2: The people that get sucked into the into the well.
26:48
Speaker 3: Like a pyramid scheme at that point, Yeah, that's exactly
26:51
Speaker 3: what happens.
26:51
Speaker 4: And you have to understand what you're doing with your money.
26:56
Speaker 4: You have to understand, you know, I'm putting this money
26:59
Speaker 4: to work here. Why am I putting this money to
27:02
Speaker 4: work here? I'm putting it to work here because I
27:05
Speaker 4: believe that the company I'm investing in is valuable to
27:10
Speaker 4: people and will continue to be valuable to people, and
27:13
Speaker 4: will innovate and become more.
27:14
Speaker 2: Valuable to people.
27:16
Speaker 4: And if you just stick with that that what is
27:19
Speaker 4: the ultimate purpose and invest along that line That doesn't
27:24
Speaker 4: mean every investment you make is going to be great,
27:27
Speaker 4: but you're moving in the right direction and that filter
27:32
Speaker 4: you put on that will keep you from being fooled
27:35
Speaker 4: with some of the you know, flash in the pan
27:38
Speaker 4: things that come come along, and I'm sure there will
27:42
Speaker 4: be more things that we can't even imagined that that
27:45
Speaker 4: will tempt us in the future as well. But if
27:49
Speaker 4: you have that filter, is this valuable to somebody? Am
27:52
Speaker 4: I serving people?
27:53
Speaker 2: Is it? You know?
27:55
Speaker 4: If I win at this, does that mean somebody else
27:57
Speaker 4: has to lose? Well? If if the answer is you know,
28:02
Speaker 4: yes to that, then that's not something you want to
28:05
Speaker 4: be involved in, you know, because then that's a game
28:07
Speaker 4: of chance. That's not an investment.
28:10
Speaker 3: And you can learn from even if you made a
28:12
Speaker 3: mistake on an NFT or something along those lines. You
28:14
Speaker 3: can think about the amount of money whatever. I mean,
28:16
Speaker 3: some people were doing millions of dollars. I don't know
28:18
Speaker 3: if there was really a like a normal person retail
28:22
Speaker 3: and to that. I don't know if you could spend
28:23
Speaker 3: like five hundred dollars or on an FT. I don't
28:25
Speaker 3: know if that if that market existed or not, ye
28:27
Speaker 3: could so if that market existed, and maybe you lost
28:29
Speaker 3: your five hundred dollars or whatever. It is, just you know,
28:31
Speaker 3: not to give yourself a heartache, but go back and
28:33
Speaker 3: look at investments you could have made for five hundred
28:34
Speaker 3: dollars and see where you would have ended up if
28:35
Speaker 3: you would have done it, and where that would have
28:37
Speaker 3: ended up in thirty years or whatever it might be.
28:39
Speaker 3: Not to give yourself heartache, to be like, Okay, I
28:41
Speaker 3: won't get fooled again. You know, I'll learn from this
28:43
Speaker 3: the next hot thing that comes along that everybody on
28:46
Speaker 3: TikTok's telling me I should do. And as you get older,
28:48
Speaker 3: I think you probably, I mean, what does it mean anymore?
28:50
Speaker 2: I don't know.
28:51
Speaker 3: Whatever the more mature way of looking at things are
28:54
Speaker 3: going to be in the future, that's probably what people
28:55
Speaker 3: are going to gravitate towards. And hopefully you won't make
28:57
Speaker 3: those kinds of mistakes again.
28:59
Speaker 4: Yeah, And that's and and also that maturity. That's why
29:02
Speaker 4: people wake up sometimes around age forty and say, hey,
29:07
Speaker 4: I need to get my head in the game.
29:09
Speaker 3: I'm no longer in my thirties. I'm no longer the
29:11
Speaker 3: party guy or the party girl. I need to think about.
29:13
Speaker 2: Yeah, I know they think about the future.
29:15
Speaker 4: But if you could figure out how to, you know,
29:18
Speaker 4: take that young person and and I part some of
29:22
Speaker 4: that information change, it's life changing.
29:25
Speaker 3: I'm gonna kind of we have about seven minutes left
29:27
Speaker 3: in the program, so I want to take the last
29:28
Speaker 3: couple of themes from the classic cro crossover that we're
29:31
Speaker 3: doing here in kind of combine them into one because
29:32
Speaker 3: I think that it works. The first first of those,
29:34
Speaker 3: we talked about how Dark Side of the Moon was
29:36
Speaker 3: basically an album about money, and so I think Tom
29:39
Speaker 3: works really well in that as a daring reminder that
29:41
Speaker 3: Tom is passing, whether you notice it or not. Then
29:43
Speaker 3: it delivers the gut punch. You are young and life
29:46
Speaker 3: is long, and then there's time to kill today. Then
29:48
Speaker 3: one day you find ten years have gone behind you.
29:50
Speaker 3: Yeah it's the truth. Yeah you missed that. You missed it, man,
29:55
Speaker 3: but that's not to say. And that's one of the
29:56
Speaker 3: things that we do on this show.
29:57
Speaker 2: Yeah.
29:58
Speaker 3: Sure, it'd be great if you were nineteen with your
30:00
Speaker 3: very first job and you created your own maybe IRA
30:03
Speaker 3: or something like that, and then you got your first
30:05
Speaker 3: four O one K with your corporate job, and you've
30:07
Speaker 3: been investing since you were first since you first had
30:09
Speaker 3: your job. I had my first salary job when I
30:11
Speaker 3: was fifteen. Boy, I wish I would have been taking
30:13
Speaker 3: some of that wheeler money and stocking it away.
30:15
Speaker 2: You know.
30:16
Speaker 3: I wasn't doing that though, honestly. But just because you
30:19
Speaker 3: don't get started there, you should and you can contact
30:21
Speaker 3: John to do it. But there's some strategies where you
30:23
Speaker 3: can get caught up and you can help with that.
30:25
Speaker 2: But you still need time of some kind.
30:27
Speaker 4: Yeah, time is uh uh. You know you'd need a
30:29
Speaker 4: long and winding road time work for sure to your advantage.
30:34
Speaker 4: But yeah, this is a great song. This song is
30:37
Speaker 4: almost financial planning one oh one. I actually wrote an
30:41
Speaker 4: article called I Remember that actually the dark side of
30:43
Speaker 4: the Moon that's around You know about this song, but
30:46
Speaker 4: uh uh, but yes, you know, you you put it off,
30:50
Speaker 4: You put it off, you put it off, and then
30:53
Speaker 4: it's a shock when you realize how much time has
30:55
Speaker 4: gone by and you've not done anything productive with it,
30:59
Speaker 4: and weekends and you you know, money is one thing.
31:04
Speaker 4: I mean, you might do something foolish with money and
31:09
Speaker 4: you can learn from that, but you can't get the
31:12
Speaker 4: time back. You know, time is the most valuable piece
31:16
Speaker 4: of the puzzle and if you have time on your side,
31:19
Speaker 4: you know, grab it. The sooner you grab it and
31:22
Speaker 4: start doing productive things, the better off you're going to be.
31:26
Speaker 4: It's not a as far as we know, unless quantum
31:31
Speaker 4: physics jumps in. It's not a renewable resource, you know.
31:36
Speaker 4: It's just something that is finite, and we have to
31:39
Speaker 4: make the most of it and not let it pass.
31:41
Speaker 4: And like I say, pass mistakes you've made with money,
31:46
Speaker 4: that's okay. If you've learned something from it, that's tuitions.
31:51
Speaker 4: You know, you have today and you have tomorrow and
31:56
Speaker 4: hopefully many more tomorrows to change your financial well being,
32:03
Speaker 4: and it's best to start today. Start today. Don't beat
32:07
Speaker 4: yourself up over about what's happened in the past, because
32:10
Speaker 4: that's the past. Try to learn lessons from that to
32:13
Speaker 4: carry forward.
32:14
Speaker 3: That details nicely into the last song theme that we're
32:16
Speaker 3: going to talk about, which is Fleetwood mix Don't Stop.
32:18
Speaker 3: Christy mcveee wrote this song during the most chaotic period
32:21
Speaker 3: of Fleetwood Mike's personal and professional lives, and it became
32:24
Speaker 3: an anthem about pushing forward anyway. Yesterday is gone isn't denial.
32:27
Speaker 3: It's financial planning philosophy, Whether it's a market crash, a
32:30
Speaker 3: bad investment in a decade of not saving. The best
32:33
Speaker 3: time to start was then the second best time is now.
32:36
Speaker 3: There you go. That's exactly what what you just said.
32:38
Speaker 3: And so you don't want to start. I mean, even
32:41
Speaker 3: if you screwed up, you lost investments, you know whatever,
32:44
Speaker 3: it could have happened to you, what are you going
32:46
Speaker 3: to do? You just want to give up? You got
32:47
Speaker 3: you got to start. You gotta you don't give up.
32:50
Speaker 3: Don't get food again, but just don't stop. You gotta,
32:53
Speaker 3: you gotta keep going.
32:54
Speaker 4: And you know, speaking of Tom and this is off
32:56
Speaker 4: the subject, but this song, every time I hear it now,
32:59
Speaker 4: I think of Bill Clinton's presidential Oh I know, yeah,
33:02
Speaker 4: and this song when I thought, wow, that was an
33:06
Speaker 4: old song then then right, it's.
33:09
Speaker 2: Been almost thirty five years ago. Right, it's crazy. It's crazy.
33:14
Speaker 3: I was thinking about that when I was putting this together,
33:15
Speaker 3: because some songs, continuing the aside, sometimes some songs get
33:19
Speaker 3: so baked into a cultural zeitgeist that I wonder if
33:23
Speaker 3: it ever detaches from that, like as the Rolling Stones
33:26
Speaker 3: start Me Up ever really recovered from being the Microsoft song,
33:30
Speaker 3: Like I can't listen to it normally, Like every time
33:31
Speaker 3: I hear it, I'm like, oh, Windows ninety five, you know,
33:33
Speaker 3: it's like I can't get it out of my head.
33:35
Speaker 3: Of a certain age, I guess people older than me
33:36
Speaker 3: may not get that. I don't know, but some songs
33:38
Speaker 3: are just baked into the thing that there that they
33:41
Speaker 3: were most known for. And certainly when I think of
33:43
Speaker 3: this song right away, it's like such a big part
33:45
Speaker 3: of the Clinton I mean, even if you didn't like
33:47
Speaker 3: or know that, I mean, it's just such a big
33:48
Speaker 3: part of his campaign.
33:49
Speaker 4: Oh yeah, yeah. And and like you say, that's now,
33:53
Speaker 4: that's been way longer.
33:55
Speaker 2: Yeah, it's crazy to think it.
33:56
Speaker 4: Though, then the song was old when it was used
33:59
Speaker 4: for that, so it's it's pretty amazing. But anyway, yes,
34:03
Speaker 4: I mean, you have to look for tomorrow. You you
34:05
Speaker 4: want to have a balance. Yes, you want to live
34:09
Speaker 4: for today, but also you have to think about tomorrow
34:13
Speaker 4: if you want to make the most of it. And
34:16
Speaker 4: and so I think finding the right balance. You know,
34:19
Speaker 4: if you if you have debt, you've got to buckle
34:21
Speaker 4: down and pay that off and break that consumer debt cycle. Yeah,
34:27
Speaker 4: you just have to do that or you'll never make
34:29
Speaker 4: any headway. But you know, you have to live for
34:34
Speaker 4: today too. That's why when you're when you're creating a
34:39
Speaker 4: financial plan, you need to think, Okay, what do I
34:42
Speaker 4: want to achieve not just tomorrow but today, and how
34:45
Speaker 4: do I balance those things out? And we've talked about
34:48
Speaker 4: it a little bit before with the fifty thirty twenty budgeting.
34:52
Speaker 4: You know where twenty percent of your money is towards
34:55
Speaker 4: saving his investment, fifty percent is towards the needs that
34:59
Speaker 4: you have to spend money on shelter, food, and et cetera.
35:03
Speaker 4: At least thirty percent that you can do with whatever
35:05
Speaker 4: you want to live today. You know, if you can
35:08
Speaker 4: get yourself out of debt and then focus on a
35:11
Speaker 4: plan like that something that looks similar to that, you
35:14
Speaker 4: can find a balance there where you're not giving up
35:17
Speaker 4: all of today, but yet you're going to be taking
35:19
Speaker 4: care of tomorrow. And I think that's important.
35:22
Speaker 3: That's great information as always with a johnbre Debt from
35:24
Speaker 3: Fourth Avenue Financial, really appreciate your tuning in this morning.
35:27
Speaker 2: It's gonna pretty much wrap it up for the program.
35:28
Speaker 3: We only got about a minute left and want to
35:29
Speaker 3: make sure that we got enough information out for you.
35:32
Speaker 3: So Fourth Avenue Financial, located one seventy Court Street, Venage Devines.
35:35
Speaker 3: The vinyl shop that John has is over in South
35:37
Speaker 3: Charleston on Street near the mound.
35:40
Speaker 4: And yeah, any of these records we have there if
35:43
Speaker 4: you want to come pick them up.
35:44
Speaker 2: That's right. It works both my retirement planning here.
35:48
Speaker 3: Remember John talking about this side hustle to help you
35:50
Speaker 3: out a little bit, you know, doctor practice, you know
35:53
Speaker 3: in medicine. Right, that works out, all right, Fourth Avenue Financial.
35:56
Speaker 3: Let me give you the information Fourth Avenue Financial dot Com.
35:58
Speaker 3: Fourth Avenue Financial dot Com. You spell out the whole thing,
36:00
Speaker 3: so you want to put that fourth in there, not
36:02
Speaker 3: the four in the thh So Fourth Avenue Financial dot
36:05
Speaker 3: Com both online and on Facebook, you can do the
36:07
Speaker 3: search and find out information there. Located one seventy Court
36:10
Speaker 3: Street in downtown Charleston. The phone numbers three zer A
36:13
Speaker 3: four seven, four six seven non seven seven threes are
36:15
Speaker 3: A four seven four six seven non seven seven threes
36:18
Speaker 3: are four seven, four six seven non seven seven. Every
36:21
Speaker 3: Monday right here on five ADWCHS retire Rte Radio at
36:24
Speaker 3: eight twenty, John, thank you so much for your time
36:25
Speaker 3: again this week.
36:26
Speaker 2: All right, I appreciate it. We'll see you.
36:27
Speaker 3: Tomorrow actually for a special edition on five eighty Live.
36:31
Speaker 3: I'll be back this afternoon at three oh six with
36:33
Speaker 3: Dave Weekly on Hotline. Coming up next is Dave Allen
36:36
Speaker 3: on The Dave Allen Show on five eighty Love. Have
36:38
Speaker 3: a great day, everyone, listening to the Voice of Charleston
36:40
Speaker 3: five ADWHS.
36:46
Speaker 1: Finding UWCHSAM ninety six point five. That then Charleston one
36:49
Speaker 1: oh four point five Cross Lane l u VRC Media Station.
36:54
Speaker 1: We are proud to live here too.