Latest / Financial Survival Network / Social Security Cuts Could Get Ugly - Gary Sinderbrand #6243

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Social Security Cuts Could Get Ugly - Gary Sinderbrand #6243 · Financial Survival Network

• 0:00
  Speaker 1: If we start with social security, the greatest impact will
• 0:03
  Speaker 1: be primarily on the voters in red states who are
• 0:07
  Speaker 1: the most dependent on social security. So cutting off your
• 0:11
  Speaker 1: nose to spite your face, you kind of think about
• 0:13
  Speaker 1: it in that way. They played around with extending retirement age,
• 0:17
  Speaker 1: they played around with the actuarial tables, they played around
• 0:19
  Speaker 1: with privatization. I don't know that there's necessarily a great
• 0:23
  Speaker 1: answer to it, with the exception of just adding to
• 0:26
  Speaker 1: the already enormous debtload we have, which is in the trillions,
• 0:31
  Speaker 1: which obviously just spikes inflation, keeps interest rates high, and
• 0:33
  Speaker 1: prevents mortgage race from coming down.
• 0:36
  Speaker 2: You are listening to Carrie Letz's Financial Survival Network, where
• 0:39
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• 0:43
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• 0:47
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• 0:56
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• 1:03
  Speaker 3: And welcome you are listening to and watching the Financial
• 1:07
  Speaker 3: Survival Network. I'm your host, Carrie Lutz got a special
• 1:10
  Speaker 3: guest for you today, somebody who basically is kind of
• 1:15
  Speaker 3: like that brother you love to hate the overachiever. That's
• 1:18
  Speaker 3: grade a's and everything and everything, Well, you had to struggle,
• 1:23
  Speaker 3: Gary Cendebrand Financial Advisor par excellent. He set the training
• 1:29
  Speaker 3: for Merrill Lynch when he was there. They emulated his
• 1:33
  Speaker 3: system and a lot of other companies are doing it now. Gary,
• 1:36
  Speaker 3: welcome and hey, we're kind of living in a new
• 1:40
  Speaker 3: world right now. We're talking about pre col majority of
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  Speaker 3: people don't believe social Security is going to be there
• 1:46
  Speaker 3: for them in its current form.
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  Speaker 4: I mean the government will.
• 1:50
  Speaker 3: I guess there's a bail in set for Social Security
• 1:53
  Speaker 3: where benefits could be cut from twenty five percent to
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  Speaker 3: a third. If we get to that point, I think
• 1:59
  Speaker 3: there will be We'll see DC become an armed camp
• 2:03
  Speaker 3: because people just will not put up for it. But
• 2:05
  Speaker 3: then we have inflation. All of these things going on
• 2:08
  Speaker 3: with doge, etc. Greatly complicate the retirement investing landscape of
• 2:15
  Speaker 3: how do you deal with it?
• 2:16
  Speaker 1: Cury, It's nice to be here. Thanks for having me
• 2:18
  Speaker 1: on your show. There's a lot to unpack there. If
• 2:21
  Speaker 1: we start with social security, the greatest impact will be
• 2:25
  Speaker 1: primarily on the voters in red states who are.
• 2:28
  Speaker 5: The most dependent on social Security.
• 2:30
  Speaker 1: So cutting off your nose to spite your face, you
• 2:33
  Speaker 1: kind of think about it in that way. They played
• 2:36
  Speaker 1: around with extending retirement age, they played around with the
• 2:38
  Speaker 1: actuarial tables, they played around with privatization. I don't know
• 2:42
  Speaker 1: that there's necessarily a great answer to it, with the
• 2:46
  Speaker 1: exception of just adding to the already enormous debtload we have,
• 2:50
  Speaker 1: which is in the trillions, which obviously just spikes inflation,
• 2:53
  Speaker 1: keeps interest rates high, and prevents mortgage race from coming down.
• 2:57
  Speaker 1: So there's a lot of complexity to deal with. One
• 2:59
  Speaker 1: of the trend as I've noticed, especially among the advisors
• 3:03
  Speaker 1: at the large wealth management firms I now do consulting with,
• 3:06
  Speaker 1: is our two trends that I think are gathering speed.
• 3:10
  Speaker 1: One is an increased personal savings rate over and above
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  Speaker 1: the growth in income, over and above the growth and
• 3:17
  Speaker 1: popular what the normal population is doing as people move
• 3:21
  Speaker 1: into having to capitalize their savings to take them through
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  Speaker 1: the rest of their life as opposed to depending on
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  Speaker 1: social safety.
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  Speaker 5: Nets such as social security.
• 3:31
  Speaker 1: At the same time that this is occurring, the average
• 3:35
  Speaker 1: financial advisor is probably somewhere in their mid to fifties
• 3:41
  Speaker 1: to mid sixties. Thirty eight percent of that group, most
• 3:44
  Speaker 1: experienced advisors will be retiring in the next five to
• 3:48
  Speaker 1: ten years. The issue that we face is that their
• 3:52
  Speaker 1: clients are aging as well as their clients age and
• 3:56
  Speaker 1: leave their money downstream to their errors. The next generation
• 3:59
  Speaker 1: of finance advisors are woefully unprepared, almost catastrophically. So when
• 4:06
  Speaker 1: I started, more years ago than I care to remember,
• 4:10
  Speaker 1: I got one thousand dollars a month draw against future
• 4:13
  Speaker 1: sales commissions. There was no plan B. You either made
• 4:17
  Speaker 1: it or you didn't. I made a ton of mistakes.
• 4:19
  Speaker 1: I survived them. I started focusing on client outcomes instead
• 4:23
  Speaker 1: of the firm sales pitch, and fortunately I was kind
• 4:27
  Speaker 1: of at the front end of the line, recognizing my
• 4:29
  Speaker 1: job was to solve problems for people, not to try
• 4:33
  Speaker 1: and predict.
• 4:33
  Speaker 5: What the market was going to do. Somebody asked me
• 4:35
  Speaker 5: what the market was going to do.
• 4:36
  Speaker 1: What an analyst thought, what a stock would do. My
• 4:39
  Speaker 1: basic response was if that person knew, why would they
• 4:42
  Speaker 1: tell you or me or anybody. So I defaulted into
• 4:47
  Speaker 1: things I knew over time would work. Markets equity markets outperform,
• 4:51
  Speaker 1: bonds outperform cash, but I don't know.
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  Speaker 5: What year they're going to do it.
• 4:55
  Speaker 1: Fifty to fifty one year, seventy five over three years,
• 4:58
  Speaker 1: eighty percent over five, ninety five percent over ten. So
• 5:02
  Speaker 1: somebody says, is it a good time to invest in
• 5:04
  Speaker 1: the market.
• 5:04
  Speaker 5: I don't know. I don't have an answer for you.
• 5:07
  Speaker 1: I do know that if you've got targeted goals out
• 5:09
  Speaker 1: there that are twenty five and thirty years out, we've
• 5:11
  Speaker 1: got to have a disciplined approach to do it.
• 5:13
  Speaker 5: And that was hard earned.
• 5:14
  Speaker 1: So what happened after eight is all the major firms
• 5:20
  Speaker 1: basically dumped their training programs. Meryll was always the best
• 5:24
  Speaker 1: place to be trained because maryl believes in pure based training.
• 5:28
  Speaker 1: Meryl Lynch and I wasn't the only fa out there
• 5:31
  Speaker 1: had a partner Bob Pain I worked with. There were
• 5:33
  Speaker 1: probably fifteen or twenty other really good financial advisors. They
• 5:37
  Speaker 1: also trained the various aspects, and peer based.
• 5:41
  Speaker 5: Training was really the way to go.
• 5:43
  Speaker 1: If you want to learn how to be a pilot,
• 5:44
  Speaker 1: you find the best pilot you can that knows how
• 5:46
  Speaker 1: to teach.
• 5:47
  Speaker 5: You don't get someone that read the book on aerodynamics.
• 5:51
  Speaker 1: When the training dissolved, the firms basically took an approach
• 5:54
  Speaker 1: of let's throw a bunch of things against the wall.
• 5:56
  Speaker 1: And see what works, and unfortunately nothing has worked. They've
• 6:00
  Speaker 1: all pressed in to form teams. So vertical team is
• 6:04
  Speaker 1: a senior advisor such as I used to be hiring
• 6:07
  Speaker 1: someone maybe in their twenties or thirties that will one
• 6:10
  Speaker 1: day take over the book of business. The problem is
• 6:14
  Speaker 1: is if that person comes in and even adjusted for inflation,
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  Speaker 1: instead of the thousand a month I got when I started,
• 6:21
  Speaker 1: they're more on the order of twelve to fifteen thousand
• 6:23
  Speaker 1: dollars a month because their senior partner is basically floating them.
• 6:28
  Speaker 1: The senior partner in a typical wealth management firm at
• 6:31
  Speaker 1: this point is probably making between seven to fifty.
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  Speaker 5: And two million dollars. It's incredibly loose.
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  Speaker 4: Sure who could have career.
• 6:40
  Speaker 1: So giving away one hundred and fifty thousand They don't
• 6:43
  Speaker 1: really feel it. However, the junior advisor knows they just
• 6:46
  Speaker 1: have to survive until a senior advisor walks away. The
• 6:48
  Speaker 1: firm pays off the senior advisor when they leave a
• 6:52
  Speaker 1: substantial amount of money, and the junior advisor gets kind
• 6:55
  Speaker 1: of a reduced payout on the assets that remain until
• 6:58
  Speaker 1: it's all paid off. There's the problem. I went to
• 7:01
  Speaker 1: work every day, scared of death, knowing I had to
• 7:05
  Speaker 1: earn my spot, continue to grow.
• 7:07
  Speaker 5: Or I'd be done. I didn't have a choice.
• 7:09
  Speaker 1: I joined a team and all of a sudden, I'm
• 7:11
  Speaker 1: making something that is, you know, ten times what I
• 7:14
  Speaker 1: was really worth. How motivator and am I to learn?
• 7:18
  Speaker 1: And that's what we're seeing right now. We've got a
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  Speaker 1: whole generation of advisors, younger advisors that are just watching
• 7:24
  Speaker 1: the clock. They're being supported by their senior advisors. They're
• 7:28
  Speaker 1: not prospecting, they're not hunting, which is an artful skill
• 7:32
  Speaker 1: that you have to have, and the senior advisor wants
• 7:37
  Speaker 1: to get out. They have no idea how to train
• 7:39
  Speaker 1: the younger advisor, how to motivate them, or how to
• 7:42
  Speaker 1: compensate them. That's where I spend a lot of my time.
• 7:45
  Speaker 1: But I have to tell you I'm not optimistic. As
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  Speaker 1: clients age and pass away, their errors have no connectivity
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  Speaker 1: to their parents' former advisor who's well into their sixties
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  Speaker 1: or seventies.
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  Speaker 4: So where do you go?
• 7:59
  Speaker 5: So they're going to go and try and find somebody.
• 8:01
  Speaker 1: And it's got a good line at BS A value proposition,
• 8:05
  Speaker 1: which by the way, I think is completely useless. How
• 8:06
  Speaker 1: Can I propose something that you're going to buy into
• 8:09
  Speaker 1: if there's no proof of value, It's it's ridiculous. So
• 8:14
  Speaker 1: I'm concerned about the industry and where it goes. Mckensey
• 8:16
  Speaker 1: just released a report. It's pretty interesting on the looming shortage,
• 8:22
  Speaker 1: and they get some of it right, but they get.
• 8:24
  Speaker 4: A lot of it wrong.
• 8:26
  Speaker 1: And this is what senior leadership that the big farms
• 8:28
  Speaker 1: listens to. And I'm looking at it going yeah, yeah, no, wrong, wrong, wrong, wrong,
• 8:34
  Speaker 1: Like AI is not all of a sudden going to
• 8:36
  Speaker 1: replace a financial advisor unless ay, I can figure out
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  Speaker 1: a way to do the one immutable talent the best
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  Speaker 1: advisors have, which is empathy. Got to be a political
• 8:48
  Speaker 1: and we got to meet the clients where they are.
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  Speaker 4: Yeah, and even five people in this day and age
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  Speaker 4: to do that, I don't know it. You know. It
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  Speaker 4: reminds me of.
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  Speaker 3: Benjamin Franklin when he said he was working on his
• 9:02
  Speaker 3: vices and trying to accelerate his virtues, and he said
• 9:07
  Speaker 3: there was one thing that he really had trouble with,
• 9:10
  Speaker 3: and that was being humble. But he found that if
• 9:13
  Speaker 3: he just acted as if he was humble even though
• 9:15
  Speaker 3: he really wasn't, people accepted it. So AI acts as
• 9:21
  Speaker 3: if it's empathetic. That should be enough for most people, right,
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  Speaker 3: even though it can't really feel empathy.
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  Speaker 1: And I saw a report the other day, I'm not
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  Speaker 1: sure where I saw it, might have been on John
• 9:30
  Speaker 1: one of the one of the shows that like twenty
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  Speaker 1: or twenty five percent of people right now have what
• 9:37
  Speaker 1: they would classify as intimate relationships with their AI.
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  Speaker 5: That's a tad frightening.
• 9:44
  Speaker 4: Well, they really expand them. Yep.
• 9:47
  Speaker 1: Developing an advisor's skill set is done by almost like
• 9:52
  Speaker 1: how Michaelangelo assembled David. You just got to get rid
• 9:55
  Speaker 1: of everything else and what's left is what you need
• 9:57
  Speaker 1: to do.
• 9:58
  Speaker 5: It is nothing even close to what the public thinks.
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  Speaker 4: It's a real process.
• 10:03
  Speaker 5: Oh yeah, and it's painful.
• 10:05
  Speaker 1: Yeah, and experience is the best teacher. Unfortunately, experience is
• 10:09
  Speaker 1: usually painful. I've been doing a lot of work with
• 10:13
  Speaker 1: AI models where I load in baseline training from programs
• 10:17
  Speaker 1: I've delivered and tapes I've developed, and I'll load those
• 10:20
  Speaker 1: into an AI like Google LM, and then with my clients,
• 10:26
  Speaker 1: I do follow up zoom calls and hold them accountable
• 10:28
  Speaker 1: once a week.
• 10:29
  Speaker 5: So I had the zoom calls.
• 10:30
  Speaker 1: Transcribed at Google LM, and I blend those in and
• 10:35
  Speaker 1: it produces basically what I would call a kernel or
• 10:39
  Speaker 1: a wisdom high, if you will, because I can blend
• 10:45
  Speaker 1: all the experience and all the baseline knowledge together, and
• 10:47
  Speaker 1: all of a sudden I can ask it questions and
• 10:51
  Speaker 1: it will answer, not always in my voice, but it
• 10:54
  Speaker 1: will answer in with new information from an experienced's perspective.
• 11:02
  Speaker 1: That a question that could be posed by an advisor
• 11:04
  Speaker 1: that basically has been in business a year. So the
• 11:08
  Speaker 1: firms are terrified of what it's.
• 11:10
  Speaker 4: Going to do.
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  Speaker 5: They're going to be very slow to embrace AI.
• 11:14
  Speaker 3: So that's not going to be a solution, right, So
• 11:16
  Speaker 3: how do you get more people involved in this, motivate
• 11:20
  Speaker 3: them to do the hard work that's necessary so they're
• 11:23
  Speaker 3: not like living off a dwindling book of business.
• 11:27
  Speaker 5: That's the question.
• 11:29
  Speaker 1: A long time ago, I think it was in the
• 11:32
  Speaker 1: maybe you saw it, The Moving Major League, Tom berens there,
• 11:35
  Speaker 1: Charlie Sheen, all the rest of it. They were trying
• 11:37
  Speaker 1: to figure out to motivate the ballplayers, and Tom Berenger,
• 11:40
  Speaker 1: who played a catcher in the movie, basically said, you know,
• 11:45
  Speaker 1: they've all got making a lot of money, you got
• 11:46
  Speaker 1: to scare the hell out of them. So in the scene,
• 11:49
  Speaker 1: the manager who I can't remember who played the role,
• 11:52
  Speaker 1: picked up a bunch of baseball bats, walked into the showers,
• 11:56
  Speaker 1: and threw the bats in the showers to.
• 11:57
  Speaker 5: Scare the hell out everybody.
• 11:59
  Speaker 1: Yeah, that was kind of a pivotal moment from them.
• 12:02
  Speaker 6: As it relates to financial advisors, if you don't have
• 12:06
  Speaker 6: a combination of hunger, ambition, and fear, you're not going
• 12:11
  Speaker 6: to make it in your early years.
• 12:13
  Speaker 1: So what I do is I work with these teams
• 12:17
  Speaker 1: and whatever compensation schedule the senior advisor is negotiated with
• 12:21
  Speaker 1: the junior advisor. Basically, I say, are we're going to
• 12:24
  Speaker 1: leave it in place for one month now. On every
• 12:26
  Speaker 1: advisor's book of let's say two hundred and fifty households
• 12:30
  Speaker 1: five hundred million dollars in assets, it's not two hundred
• 12:33
  Speaker 1: and fifty households with two million each. It's of that total,
• 12:37
  Speaker 1: it's fifty households that have maybe three hundred and fifty million,
• 12:42
  Speaker 1: another seventy five or eighty households that have everything but
• 12:47
  Speaker 1: are remaining fifty million, and at the bottom there's two
• 12:51
  Speaker 1: or three hundred households with fifty million bucks, they're not
• 12:54
  Speaker 1: getting called. Nobody's profiling them. There's no financial plans in place.
• 12:59
  Speaker 1: These were the accounts the advisor opened when they were
• 13:03
  Speaker 1: first starting that were incredibly important to them. Some of
• 13:06
  Speaker 1: them might have been the biggest accounts. Now they're largely ignored.
• 13:09
  Speaker 1: The advisors are saying, well, they don't bother us, blah
• 13:11
  Speaker 1: blah blah blah blah. And we do certain calculations for
• 13:15
  Speaker 1: profitability per household, and those households at the bottom of
• 13:18
  Speaker 1: which there are many still have to be taken care of,
• 13:21
  Speaker 1: are probably ten percent is profitable on a time expended
• 13:25
  Speaker 1: date the households at the top. So one of the
• 13:29
  Speaker 1: things I do is I work with book advisors and
• 13:32
  Speaker 1: say you're now in charge of these two hundred and
• 13:33
  Speaker 1: fifty households down here, who are generating a total revenue
• 13:37
  Speaker 1: back to the firm of two hundred thousand dollars. Any
• 13:40
  Speaker 1: upside you get on this fifty million, which should be
• 13:43
  Speaker 1: generating revenue on the order of five hundred thousand dollars,
• 13:46
  Speaker 1: you're going to own eighty percent of it. Anything new
• 13:50
  Speaker 1: you bring in from a referral, you get to keep
• 13:52
  Speaker 1: one hundred percent. Oh and by the way, twelve months
• 13:56
  Speaker 1: from now, your compensation from your senior advisor is going
• 14:00
  Speaker 1: to get cut in half. I'll train you, but you've
• 14:02
  Speaker 1: got to get to work. And the fear in their
• 14:05
  Speaker 1: eyes is the same thing I felt and their senior
• 14:08
  Speaker 1: advisor felt, because we've got to take away the safety
• 14:10
  Speaker 1: net until they recognize how socially important this job is,
• 14:15
  Speaker 1: how meaningful you can be to other people. You eat
• 14:19
  Speaker 1: less as a service job, but if you do.
• 14:21
  Speaker 5: It well, you really eat well.
• 14:23
  Speaker 1: You can make more money as long as other people
• 14:26
  Speaker 1: benefit first. So it's kind of the ultimate altruistic job
• 14:31
  Speaker 1: as long as you're focused on engineering outcomes. It's not
• 14:36
  Speaker 1: for everybody.
• 14:38
  Speaker 3: Yeah, yeah, well it never has been. But if you
• 14:42
  Speaker 3: want to make money, you go where the money is.
• 14:44
  Speaker 3: And like, why did Willie Sutton rob banks? Because that
• 14:49
  Speaker 3: he never said it, but it's been attributed to him
• 14:52
  Speaker 3: because that's where the money is or was. Now there's
• 14:56
  Speaker 3: no money in the banks, it's all digital. Anyway, had
• 15:00
  Speaker 3: to go where the money is and rich people, you know,
• 15:03
  Speaker 3: it's that old thing. It's just as easy to fall
• 15:06
  Speaker 3: in love with a rich guy as a poor guy.
• 15:08
  Speaker 1: Right, Yeah, my wife reminds me of that all the time.
• 15:11
  Speaker 3: Yeah, all right, Hey, so how do we how do
• 15:15
  Speaker 3: we connect with you on the web?
• 15:16
  Speaker 4: How do we find you and tell us how?
• 15:21
  Speaker 1: So I've launched it. It's really kind of interesting. This
• 15:25
  Speaker 1: was a kind of an AI generated idea. I took
• 15:28
  Speaker 1: about I don't know, a couple hundred hours combination of
• 15:32
  Speaker 1: teachings that I've done, programs I've run, you know, given
• 15:35
  Speaker 1: to firms, and then a bunch of zoom calls and
• 15:38
  Speaker 1: I picked at random from advisors that I counsel with,
• 15:42
  Speaker 1: and I cracked it all into an AI model using
• 15:45
  Speaker 1: Google LM. And I said, so, if I wanted to
• 15:49
  Speaker 1: create a podcast that would help the public understand if
• 15:54
  Speaker 1: they've got an advisor that actually knows what they're doing
• 15:58
  Speaker 1: based upon sitting on the other side of the desk
• 16:02
  Speaker 1: inherently knowing what's contained in the AI currently, see if
• 16:08
  Speaker 1: you can generate ken scripts for me. And with a
• 16:10
  Speaker 1: little tinkering, it came up with my first ten scripts
• 16:13
  Speaker 1: and I did some editing on it. I came up
• 16:15
  Speaker 1: with my own spin on a few, but I was
• 16:17
  Speaker 1: blown away. So that led me to believe, well, this
• 16:20
  Speaker 1: is stuff the public needs to know. Especially since there's
• 16:24
  Speaker 1: going to be such a jump ball coming up for
• 16:27
  Speaker 1: where do you go and what do you do? So
• 16:29
  Speaker 1: I've got a podcast which i'm just launching. It's titled
• 16:32
  Speaker 1: If the Public Only Knew, and I think it's up
• 16:35
  Speaker 1: on Spotify at this point. I'm just getting it going,
• 16:37
  Speaker 1: which is why I appreciate you having me on. And
• 16:40
  Speaker 1: it's just guidelines that they should use for everything as
• 16:45
  Speaker 1: to why a bond and a bond fund are completely different,
• 16:49
  Speaker 1: all the way down to understanding if an financial advisor
• 16:54
  Speaker 1: can't ask the question about why it's important to dynamical
• 16:59
  Speaker 1: rebalance and market extremes, what the answer is, and why
• 17:03
  Speaker 1: they need to go find somebody that can make an answer.
• 17:06
  Speaker 1: So that was pretty much pointed it to the public.
• 17:10
  Speaker 1: And I've also got one cunning right behind it.
• 17:12
  Speaker 5: I'll be launching.
• 17:13
  Speaker 1: Title Financial Advisor Masterclass. They're both available. You can find them,
• 17:18
  Speaker 1: i think right now on Spotify. Just getting them underway,
• 17:22
  Speaker 1: but I'm pretty stoked about it. For now, they're free,
• 17:25
  Speaker 1: there's no premium to pick up. But I think what
• 17:28
  Speaker 1: you're going to find is the information in these things
• 17:32
  Speaker 1: is incredibly useful and it's things the general public just
• 17:35
  Speaker 1: doesn't know that. A good advisor does know that. I
• 17:38
  Speaker 1: think the public has to know. I started every relationship
• 17:42
  Speaker 1: with every household. I took care of every client, took
• 17:44
  Speaker 1: care of sitting down and educating them in an agnostic
• 17:48
  Speaker 1: way with no firm collateral, basically saying, if you hire me,
• 17:53
  Speaker 1: here's what we're going to do, and here's why. If
• 17:56
  Speaker 1: I'm not for everybody, if you don't want this, you
• 17:58
  Speaker 1: need to go someplace elseuse I'm always going to tell
• 18:00
  Speaker 1: you what you need to know may not be what
• 18:02
  Speaker 1: you want to hear. So it's that kind of approach.
• 18:05
  Speaker 1: I built a very successful advisory practice, and I've trained
• 18:08
  Speaker 1: thousands of other fas how to do it. But that
• 18:11
  Speaker 1: universe for investors is in the tens of millions against
• 18:15
  Speaker 1: the dwindling set of qualified advisors.
• 18:18
  Speaker 5: I think it's going to be timely for the public.
• 18:20
  Speaker 4: I tend to agree with you. It sounds great, all right.
• 18:24
  Speaker 3: So if you've got a question for Gary or myself,
• 18:27
  Speaker 3: you can shoot me an email.
• 18:30
  Speaker 4: Dary, what's your website?
• 18:32
  Speaker 1: So right now, the website they can find me on
• 18:34
  Speaker 1: is all one word, Better Path Training, Betterpathtraining dot com.
• 18:39
  Speaker 1: They'll be links to my podcast up there that's primarily
• 18:43
  Speaker 1: written for financial advisors to support my training and coaching business,
• 18:47
  Speaker 1: but they'll be able to hit the menu item that
• 18:49
  Speaker 1: talks about the podcast if the public only knew, or
• 18:53
  Speaker 1: they can find it directly by just going up on Spotify.
• 18:55
  Speaker 1: And I think I've got some RSS feeds elsewhere and
• 18:58
  Speaker 1: told trying to get it up on app but I'm
• 19:00
  Speaker 1: told that should happen hopefully sometime before the turn of
• 19:03
  Speaker 1: the decade, so I'm not sure when it's going to
• 19:05
  Speaker 1: appear there, but that's the easiest way to find it.
• 19:07
  Speaker 4: All right.
• 19:08
  Speaker 3: Well, I'm going to do a podcast myself about the
• 19:12
  Speaker 3: legal profession called legal Theft, and you look out for
• 19:16
  Speaker 3: that one.
• 19:17
  Speaker 4: We'll talk to you again soon. Thanks for coming by.
• 19:19
  Speaker 5: Dary, Thanks Carry, it's been a pleasure.
• 19:21
  Speaker 2: Thanks for listening to Carrie Letz's Financial Survival Network, your
• 19:25
  Speaker 2: solution to today's trying times. For the latest, go to
• 19:29
  Speaker 2: Financial Survivalnetwork dot com. Financial Survival Network
• 19:34
  Speaker 5: Now more than ever