Latest / The Bill Handel Show / ‘How to Money’ with Joel Larsgaard | Eileen Gu Controversy

Transcript

‘How to Money’ with Joel Larsgaard | Eileen Gu Controversy · The Bill Handel Show

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Speaker 1: You're listening to Bill Handle on demand from KFI AM
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Speaker 1: six forty KFI AM six forty Bill Handle.
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Speaker 2: Here. It is a Thursday morning, February nineteenth. As we
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Speaker 2: continue with the program, some of the top stories we
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Speaker 2: are looking at is today the inaugural meeting of the
0:24
Speaker 2: Donald Trump Board of Peace International Board, and he has
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Speaker 2: gotten together countries, not many, but a few that are
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Speaker 2: paying into a billion dollars into a fund to help
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Speaker 2: Gaza be reconstructed, which is kind of neat.
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Speaker 1: I'll give him that.
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Speaker 2: And guess who the chairman is, who has complete veto
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Speaker 2: power over anything that's spent or done. It is strangely enough,
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Speaker 2: President Trump. Well there you go. Now, Joe Larsgard of
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Speaker 2: How the Money heard every Sunday right here twelve two
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Speaker 2: pm on KFI I. His social address is at how
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Speaker 2: to Money Joel and you can visit his website howto
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Speaker 2: money dot com. And good morning Joel, Yes, good morning
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Speaker 2: to one and all. Did that sound like I cared
1:15
Speaker 2: on that one? I hope so.
1:18
Speaker 1: I never do.
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Speaker 2: Okay, a story that I want to explore, and that
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Speaker 2: is the betting that happened in the Super Bowl and
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Speaker 2: the prediction market did very, very well for betters this year,
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Speaker 2: So let's talk about that.
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Speaker 3: Well, yeah, it depends on what you mean, did well
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Speaker 3: for betters. It certainly attracted a lot of people, right.
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Speaker 3: And the loophole now for gambling, because it's you know,
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Speaker 3: not legal in many states, gambling on sports is now
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Speaker 3: going through these prediction markets. You're making predictions, you're not gambling.
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Speaker 3: It's very very different, of course, except for not really.
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Speaker 3: And these prediction websites are just drawing people in by
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Speaker 3: by the millions. I think two million folks essentially on
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Speaker 3: calshi were actively wagering on game day on the Super Bowl.
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Speaker 3: Over a billion dollars was put up for the big Game.
2:14
Speaker 3: And that's that's that's just Calshi. So there are other
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Speaker 3: sites like polymarket that allow for this too, And as
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Speaker 3: you know, like sports gambling and FanDuel and sites like
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Speaker 3: that have have allowed you not just to bet on
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Speaker 3: the outcome of the game, but to bet on a
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Speaker 3: slew of other things as well. And that's the same
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Speaker 3: thing with these prediction market websites, where you could just
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Speaker 3: bet on ancillary things surrounding the game, like what outfit
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Speaker 3: bad buddy was gonna, where whether certain political statements were
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Speaker 3: going to be made. You could you could even bet
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Speaker 3: on which companies if they you know, if it wasn't
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Speaker 3: known which companies were or were not going to run
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Speaker 3: ads during.
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Speaker 1: The Super Bowl.
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Speaker 3: It's it's like peak insanity, or at least I thought
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Speaker 3: it might be peak insanity, but I don't know. With
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Speaker 3: March Madness and the World Cup coming up, it just
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Speaker 3: could get worse.
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Speaker 2: Yeah, it's fascinating what happened with gambling and how it
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Speaker 2: exploded with internet gambling. Fan duel or dual fan is
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Speaker 2: out there and some other ones where the money is
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Speaker 2: astronomical and it's not just the over under and who's
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Speaker 2: gonna win. As you point out, well, let me give
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Speaker 2: you an example that Pete Rose was a gambler and
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Speaker 2: I ran in a couple of times at a restaurant
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Speaker 2: a friend of mine, a friend of mine owned, and
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Speaker 2: this is a guy who would bet on whether a
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Speaker 2: fly was going to land on a windowsill or not.
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Speaker 1: I'm serious, by the way. Yeah, it sounds like him.
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Speaker 2: Yeah, it's completely out of control. And of course in
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Speaker 2: those days it was you know, you just dealt with
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Speaker 2: one guy. I'll bet you Today you can make that
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Speaker 2: bet on the internet. It's it's that crazy, and so
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Speaker 2: now it has hurt a lot of people. And I
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Speaker 2: know at the bottom of all these ads on TV,
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Speaker 2: I look at gamble responsibly, what the hell.
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Speaker 1: Does that mean? And whoever pays attention to.
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Speaker 3: That, right, I mean almost nobody and when? And the
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Speaker 3: problem is, like what you're talking about, in the Pete
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Speaker 3: Rose era and even just in the five to seven
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Speaker 3: years ago era, if you wanted to gamble, like you
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Speaker 3: typically had to travel somewhere where it was legal in
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Speaker 3: many states, Like.
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Speaker 1: There's just no outlet for that desire.
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Speaker 3: And you might say, at least from like a libertarian perspective, hey,
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Speaker 3: like people can and should be able to gamble if
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Speaker 3: they want gamble their life savings away. But from a
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Speaker 3: like societal goods standpoint, I am worried about the just
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Speaker 3: completely unregulated infulamazing.
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Speaker 1: It's yeah, it's.
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Speaker 3: Getting crazy, and when you think about what it's going
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Speaker 3: to do to individuals, to families, and to communities, it's
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Speaker 3: it's just it's just very worrisome. And something like a
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Speaker 3: billion dollars being traded on the Super Bowl, well, I
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Speaker 3: think it's it's one thing if you're taking your entertainment
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Speaker 3: dollars and you are purposely using them to gamble instead
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Speaker 3: of let's.
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Speaker 1: Say, go out to eat.
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Speaker 3: I just don't think that's how most people think about gambling,
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Speaker 3: especially because it can be so addictive, and I think
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Speaker 3: even more so with sports bill because the average person
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Speaker 3: sitting on their couch thinks they know more than the
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Speaker 3: next guy or gal sitting on their couch down the street,
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Speaker 3: and so they're betting on well, of course, I know
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Speaker 3: my guy is going to hit a home run in
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Speaker 3: this game, or this team, my team is going to
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Speaker 3: score at least seven runs by the seventh inning, or
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Speaker 3: whatever you're betting on, And so I think it's even
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Speaker 3: more nefarious sometimes in the world of sports gambling, because
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Speaker 3: if you're an armchair quarterback sitting there, you're watching, you
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Speaker 3: just feel like you have more insight about how your
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Speaker 3: team's going to perform. And I think that most of
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Speaker 3: the time that's not true.
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Speaker 1: Though I love those disclaimers.
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Speaker 2: I mean, no one pays attention to disclaimers pharmaceutical disclaimers
5:54
Speaker 2: at the bottom this will cause death or will cause
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Speaker 2: rashes or oily stools, and I happen to be a
6:01
Speaker 2: big fan of oily stools and it just it the
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Speaker 2: disclaimer to me, I don't know why they do that. Okay,
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Speaker 2: moving on, four oh one K plans now particularly relevant
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Speaker 2: and really cool right now, and I and many others
6:18
Speaker 2: are a huge fan of four oh one K plans,
6:21
Speaker 2: especially matching money, So let's dive into that.
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Speaker 3: It's it's just kind of funny to me that the
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Speaker 3: four one K is having a moment because normally it's
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Speaker 3: seen as this superhum drum boring thing that we have
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Speaker 3: to talk about because it is one of those accounts
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Speaker 3: that the vast majority of Americans are if they want
6:38
Speaker 3: to build wealth in the in the stock market, they're
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Speaker 3: going to do it through their four oh one k
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Speaker 3: at work. And but like of course there's different things
6:46
Speaker 3: that become zeitgeisty from time to time. Four one ks
6:49
Speaker 3: are in it right now, like they're they're they're the
6:51
Speaker 3: subject of different TikTok creations and Instagram reels. And there's this, uh,
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Speaker 3: there's this term people are referring to right now called
6:59
Speaker 3: four o one K mullet. Have you heard that, Bill?
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Speaker 1: I know it's some kind of a haircut.
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Speaker 3: Well, so mullets are actually like apparently cool right now.
7:07
Speaker 3: Not the Joe dirt kind of mullet, but apparently like
7:10
Speaker 3: just like a suave mullet where you still have got
7:14
Speaker 3: stuff going on to the front, but you got you know,
7:16
Speaker 3: you leave it untrimmed in the back. And so people
7:19
Speaker 3: are saying mullets and apparently quarter zips, which is like
7:22
Speaker 3: a type of sweater you can wear. Those are really
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Speaker 3: hot right now, and so is the four to one K.
7:26
Speaker 3: They're lumping the four o one K in with the
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Speaker 3: style icons that are currently out there, and I'm all
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Speaker 3: for it, man, whatever it takes to draw attention to
7:35
Speaker 3: the four oh one K, the power that the four
7:37
Speaker 3: oh one K, how powerful can be for you as
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Speaker 3: an individual when it comes to wealth building, especially if
7:42
Speaker 3: you have a match from your company.
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Speaker 1: I dig it.
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Speaker 2: I love that it's being talked about right now. Oh yeah, absolutely.
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Speaker 2: I mean I'm a huge, huge fan of four to
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Speaker 2: one K plans and have been. I've been speaking of
7:53
Speaker 2: them for a long time. By the way, first, when
7:55
Speaker 2: I heard the term quarter zips, I thought it had
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Speaker 2: something to do with circumcisions. That is not the case.
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Speaker 2: I just wanted to point that out. But usually it's
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Speaker 2: from a company, a four oh one K plan. If
8:05
Speaker 2: you work for a company, it's it's a three percent
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Speaker 2: match or a five percent match with very generous companies.
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Speaker 1: And I say that you.
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Speaker 2: Put money into a four to oh one K plan
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Speaker 2: matching money you've made one hundred percent that year, assuming
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Speaker 2: that there is no income growth at all. So people
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Speaker 2: are crazy not to put money into four oh one.
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Speaker 1: Ks one hundred percent.
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Speaker 3: And that's why if you go to have to money
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Speaker 3: dot com and you click start here, we've got the
8:34
Speaker 3: money gears is what will we call them? And the
8:38
Speaker 3: first thing you need to do is save up a
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Speaker 3: very basic emergency fund of just over three grand. But
8:42
Speaker 3: right after that, the second thing, the most important thing
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Speaker 3: on your path to building wealth, is to get at
8:49
Speaker 3: least the match from your company's four oh one K, because,
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Speaker 3: like you said, it's this instant fifty or one hundred
8:55
Speaker 3: percent return in most cases for people, and you want
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Speaker 3: to get to the point where you're getting the full
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Speaker 3: match from your employer, and for a lot of people,
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Speaker 3: then you're you're at this point where you're investing somewhere
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Speaker 3: between eight and twelve percent of your income combined with
9:09
Speaker 3: what your employer's what your employer's tossing in there. Ideally,
9:13
Speaker 3: you know, we want you to get past that. If
9:15
Speaker 3: you continue down the money gears, you will be investing
9:17
Speaker 3: more over time. But even just getting that company match.
9:20
Speaker 3: Doing that over the course of a couple of decades,
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Speaker 3: you will be shocked, right, it's just kind of coming
9:27
Speaker 3: out of your paycheck. That's the other cool thing is
9:29
Speaker 3: like when you when you open up an IRA, you
9:31
Speaker 3: have to like actively take money from your account and
9:34
Speaker 3: stick it in with your with your four OL and K.
9:36
Speaker 3: When you stick money in, you're you kind of almost
9:39
Speaker 3: don't even notice it a little bit. Yeah, you don't
9:40
Speaker 3: feel smaller, you don't feel it. And yet when you
9:43
Speaker 3: go in there, I think sometimes two people who are
9:46
Speaker 3: just beginning the process, it can feel a little demoralizing
9:50
Speaker 3: because you're sticking the money and you go log in
9:51
Speaker 3: after six months and you're like, it's not like it's
9:53
Speaker 3: not that much money. But the way compounding returns work,
9:56
Speaker 3: the longer you wait to go check your balance, you
9:59
Speaker 3: come back in eight, ten, fifteen years later, you're going
10:02
Speaker 3: to be shocked at how much money you've amassed. And
10:04
Speaker 3: it's not based on just the money you put in there.
10:06
Speaker 3: It's because it's invested in the stock market and the
10:09
Speaker 3: return to the stock market. Those returns are amplified, and
10:13
Speaker 3: you're creating just an incredible financial future for yourself through
10:16
Speaker 3: this vehicle that has been set up to allow you
10:20
Speaker 3: to build wealth in an efficient manner.
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Speaker 1: Real quickly.
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Speaker 2: Just for a second, tax ramifications, money going into a
10:26
Speaker 2: four H one K plan. Is that deductible off your
10:29
Speaker 2: income or is it? Well explain real quickly.
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Speaker 3: So it depends whether you're going with a traditional or
10:34
Speaker 3: wrothire a wroth for O on k, And so that's
10:37
Speaker 3: worth noting too, is that most employers you can take
10:40
Speaker 3: advantage of a wroth for oh onek these days. If
10:42
Speaker 3: you go with the wroth, you're not getting a tax
10:45
Speaker 3: break right now. You're paying the tax on the money
10:50
Speaker 3: you stick into that account. If you go the traditional route,
10:53
Speaker 3: you are getting a current year tax break and you'll
10:55
Speaker 3: pay tax later on down the road. So it's like, hey,
10:58
Speaker 3: do I want to pay tax now? Do I want
10:59
Speaker 3: to pay tax later? That's a really good question, And
11:02
Speaker 3: so much of that depends on how much you're earning now,
11:05
Speaker 3: what tax bracket you're in, and what your likely tax
11:08
Speaker 3: bracket is going to be when you retire. It's not
11:10
Speaker 3: like a super simple formula, but it's something worth considering,
11:13
Speaker 3: and especially if you're in the early earning stages of
11:16
Speaker 3: your career. I love for people to choose the Roth
11:18
Speaker 3: vehicles because, hey, if you're going to make more and
11:20
Speaker 3: more and more, why not pay the tax?
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Speaker 2: Now?
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Speaker 1: All right, thanks Joel, It's always good stuff.
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Speaker 2: I'll catch you this Sunday twelve to two o'clock right
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Speaker 2: here on KFI.
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Speaker 1: Sounds good. Thanks Bill.
11:33
Speaker 2: Now, I don't know if you know the name Eileen Goo.
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Speaker 2: She is a skier on the Olympic team. And a
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Speaker 2: word about these athletes. These athletes are, for the most part,
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Speaker 2: amateur athletes. For example, I'm enjoying the curling, which is
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Speaker 2: very big news. Are there many endorsers off the curling team. No,
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Speaker 2: because that there aren't too many companies that just sell
12:03
Speaker 2: rocks or the stones. Or you have athletes that are
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Speaker 2: doing events in which they're amateurs and they make no
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Speaker 2: money and they spend a lifetime, a lifetime of practice
12:19
Speaker 2: starting when they were just kids to go to the
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Speaker 2: Olympic the Olympics. Now, are there some athletes that make money?
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Speaker 1: Yeah?
12:27
Speaker 2: Probably the high end figure skaters make some really good money.
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Speaker 2: They do endorsements, they end up working for Disney on
12:36
Speaker 2: ice and putting on a Pluto outfit.
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Speaker 1: And running around.
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Speaker 2: Then there are a few athletes, for example, Iileen Goo.
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Speaker 1: Eileen Goo.
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Speaker 2: Came out during her twenty twenty two Olympics debut in Beijing,
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Speaker 2: and she won two medals. Now she's twenty two years old.
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Speaker 2: She's a Stanford undergrad and she's studying quantum physics. Not
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Speaker 2: dumb to say the least, and she is twenty two
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Speaker 2: years old. Any idea how much she made last year?
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Speaker 2: If you had to guess how much you think a
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Speaker 2: skier could make in one year, Neil, what do you
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Speaker 2: think she made last year?
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Speaker 1: Like a model and stuff too?
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Speaker 2: She's also a model. She's also an endorser big time.
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Speaker 2: She does endorsements in China more than she does here.
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Speaker 2: She's a national figure in China billboards television. She speaks
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Speaker 2: perfect Mandarin even though she was born in the United States.
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Speaker 1: But would she pull five five eight million.
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Speaker 2: Yeah, about twenty three million dollars last Yearly smokes, yeah,
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Speaker 2: And someone has to mute over there by the way.
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Speaker 2: So she's been surrounded by controversy four years. And here
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Speaker 2: is the controversy. She's both Chinese as well as American.
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Speaker 2: And when you put the two together, what do you have?
14:15
Speaker 2: What you have is chader. No, well that's good, that's
14:19
Speaker 2: not bad. But what you really have is Panda express
14:23
Speaker 2: Chinese food that has been americanized. And so she has
14:29
Speaker 2: become a huge, huge player in the world. Now what's
14:35
Speaker 2: happening this time around? Well, she just won two more
14:39
Speaker 2: medals in Milan. She's a freestyle skier. And where she
14:44
Speaker 2: is getting a lot of grief, and I mean more
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Speaker 2: grief than you could ever imagine, is her decision to
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Speaker 2: compete for China and not the United States. She was
14:55
Speaker 2: born and raised in the United States. What is she
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Speaker 2: doing representing China? And by the way, she's not alone either.
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Speaker 2: So many athletes born in this country are competing for
15:10
Speaker 2: other countries. If your nationality. For example, my dad is
15:15
Speaker 2: from Yugoslavia, which no longer exists. But let's say Serbia,
15:18
Speaker 2: which does exist where he came from, I could compete
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Speaker 2: for Serbia.
15:26
Speaker 1: Unfortunately they don't have it. For couch potatoing.
15:31
Speaker 2: Us and I get and I get injured on the
15:36
Speaker 2: way to the couch because sometimes I hit the corner
15:39
Speaker 2: of the coffee table and therefore I have I sustained
15:42
Speaker 2: pretty pretty serious sports injuries. So okay, thank you for
15:47
Speaker 2: pointing that out. All Right, back we go to the
15:50
Speaker 2: story of Eileen Gou and the Olympics. Interesting lady, she is, well,
15:55
Speaker 2: she's young, she's twenty two years old, goes to Stanford
15:58
Speaker 2: studying quantum physics. Let's go figure that one out. And
16:02
Speaker 2: last year, at twenty one, she made twenty three million dollars.
16:06
Speaker 2: WHOA how is that possible? Well, let's start with the
16:10
Speaker 2: fact she's obviously a world class skier. She just won
16:16
Speaker 2: two more Olympic medals in Milan. And what's happening to
16:21
Speaker 2: her is she is being skewered, particularly by the America
16:27
Speaker 2: First crowd, and right wing platforms are nailing her tapping
16:33
Speaker 2: into the America First nationalism.
16:35
Speaker 1: And it is.
16:36
Speaker 2: The Maga crowd. The MAGA base is what's doing it.
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Speaker 2: So here she is twenty three, she's older, she is
16:47
Speaker 2: more apt to speak about the problems that she has
16:49
Speaker 2: when she was eighteen. First of all, the vitrel wasn't
16:52
Speaker 2: that big. This time around, it is horrific. Why because
16:55
Speaker 2: she is she's competing for China, and she's American. She
17:02
Speaker 2: was born in the United States. Her mom is Chinese,
17:07
Speaker 2: I think her dad is American. She speaks absolutely fluent Mandarin,
17:13
Speaker 2: which means she gets along in China really well.
17:16
Speaker 1: And she is extraordinarily attractive.
17:20
Speaker 2: And so here she is translating her success in skiing
17:26
Speaker 2: as a world class geer and a winner of Olympic
17:29
Speaker 2: medals into one of the most lucrative careers you can imagine,
17:34
Speaker 2: as in last year she made twenty three million dollars.
17:39
Speaker 2: Why well, let's just talk about China.
17:42
Speaker 1: Okay.
17:43
Speaker 2: She is a force, a financial force in China. She
17:51
Speaker 2: represents a Red Bull here, Portia here, IWC Schafhausen, no
17:58
Speaker 2: idea who that is or what the company is, and
18:00
Speaker 2: a whole lot more. Oh, and she's also a model,
18:04
Speaker 2: and she's represented by the biggest model agency in the world.
18:07
Speaker 2: So she does both hits China and the United States.
18:11
Speaker 2: If you go to China, she's all across billboards, TV screens.
18:16
Speaker 2: She is nationally known, and she's known as the snow Princess.
18:21
Speaker 2: China has no problem with her being a dual citizen,
18:24
Speaker 2: none at all. The United States has a problem, especially
18:29
Speaker 2: right wing America first faction.
18:33
Speaker 1: You're a trader, what are you doing? You're American you
18:38
Speaker 1: took advantage of the American education system. You're representing in
18:44
Speaker 1: many ways, the American company. And it's tough for her
18:48
Speaker 1: to deal with it.
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Speaker 2: Now she is, she's dealing with it much better than
18:51
Speaker 2: she did, and she's gone way public at first, And
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Speaker 2: there was some anti Eileen Goo sentiment in twenty eighteen
19:00
Speaker 2: last time around, but when she in fact when she
19:06
Speaker 2: competed in the Olympics. But this time has gotten more,
19:10
Speaker 2: has gotten far worse, and she has responded many, many
19:15
Speaker 2: times more powerfully than she did before. It was twenty
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Speaker 2: fifteen when she announced that she would switch to compete
19:24
Speaker 2: for China and saying that it was an incredibly tough
19:28
Speaker 2: decision and of course going the other way too, because
19:30
Speaker 2: you got to be politically correct, I mean, you have
19:32
Speaker 2: to walk that line.
19:34
Speaker 1: Or she did and did it pretty well.
19:36
Speaker 2: She was proud of her heritage Chinese, equally proud of
19:41
Speaker 2: being American, and this it rattled so many places and
19:47
Speaker 2: so many people just representing China did it for her. Also,
19:52
Speaker 2: look at the abuses, human rights abuse is that China
19:57
Speaker 2: has instigated, particularly among the Wigers. This it's a group
20:02
Speaker 2: of people that have been discriminated against and basically genocide
20:05
Speaker 2: has happened with China dealing with them, and so the
20:10
Speaker 2: controversy has been completely insane. Now they're offensive at all, Bill, No,
20:17
Speaker 2: I don't. I think you know.
20:21
Speaker 1: Her background.
20:22
Speaker 2: Her background is Chinese and a lot of hockey players,
20:28
Speaker 2: a lot of skiers represent the countries at where their
20:31
Speaker 2: parents came from. And why because and this is different
20:34
Speaker 2: than Eileen Goo is they are world class but not
20:38
Speaker 2: good enough to make the Olympic team for the United States. Yeah.
20:41
Speaker 1: But I think it's that it's China that is part
20:44
Speaker 1: of the problem too. That's true. No, it's absolutely true.
20:48
Speaker 1: It is it is. It is China. Yeah, it's China. Yeah.
20:54
Speaker 2: We're done, guys, And you raise a good point which
20:57
Speaker 2: we don't have the time unfortunately to deal with. I
20:59
Speaker 2: would love to argue with you, because that's half my life. Okay, guys,
21:03
Speaker 2: we are done. Tomorrow morning. You want to hang on.
21:07
Speaker 2: Eight o'clock is when we start footy Friday with Neil
21:10
Speaker 2: for half an hour and then ask handle anything, and
21:13
Speaker 2: then it all happens tomorrow and of course Saturday. Then
21:18
Speaker 2: I want to remind you Saturday morning, eight to eleven
21:20
Speaker 2: o'clock handle on the law following Dean with his program
21:25
Speaker 2: and Neil two to five o'clock. So I'm doing a
21:28
Speaker 2: promo early okay tomorrow, We'll see you again right here,
21:32
Speaker 2: same place, same station. Gary and Shannon up next. This
21:36
Speaker 2: is KFI AM six forty.
21:39
Speaker 1: You've been listening to the Bill Handle Show.
21:41
Speaker 2: Catch my show Monday through Friday, six am to nine am,
21:44
Speaker 2: and anytime on demand on the iHeartRadio app