Latest / WCHS Network Podcasts / 01/19/2026 Retire Right Radio with John Burdette

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01/19/2026 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 AD WCCHS,
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Speaker 1: its employees, or WVRC Media. This is retire Right Radio,
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Speaker 1: a weekly show from John Verdett at Fourth Avenue Financial
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Speaker 1: that aims to answer your questions about financial planning, investing,
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Speaker 1: and how to retire right. Fourth Avenue Financial is located
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Speaker 1: in downtown Charleston at one seventy Court Street. More information
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Speaker 1: online at Fourth Avenue Financial dot com. Join the conversation
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Speaker 1: by calling three oh four three four five fifty eight
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Speaker 1: fifty eight or text three oh four nine three five
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Speaker 1: fifty oh eight. On retire Right Radio, Let's go live
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Speaker 1: to the studio with host Dale Cooper and John Verdett
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Speaker 1: from Fourth Avenue Financial.
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Speaker 2: Hides and a very pleasant good morning to you.
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Speaker 3: You're listening to retire Right Radio one five EWCHS, the
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Speaker 3: Voice of Charleston. Congratulations, you made it through the weekend.
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Speaker 3: Kind of a cold one, not a at least in
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Speaker 3: the Canal Valley here. Not a ton of snow, but
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Speaker 3: it was pretty cold yesterday and again this morning as
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Speaker 3: you're waking up, if you're heading into work this morning, maybe.
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Speaker 2: Grab your gloves and get your car started a little early.
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Speaker 3: Although there was no frost on my wind show, it
1:05
Speaker 3: was just cold this morning when I came in, So
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Speaker 3: you want to be aware of that as you're traveling
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Speaker 3: in this morning. But cold outside hot advice Here on
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Speaker 3: the radio, John for Dad is joining us from Fourth
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Speaker 3: Avenue Financial to help you retire right this morning. You
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Speaker 3: don't want to go into that era of your of
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Speaker 3: your financial life unawares of how things work out, and
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Speaker 3: John can help you out in those regards and financial
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Speaker 3: planning and investing for your future.
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Speaker 2: How you doing this morning, John, I'm doing wonderful, very good.
1:28
Speaker 2: Have it okay? Weekend?
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Speaker 4: Yeah, it was all right, It was all right. Got
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Speaker 4: a little a little long weekend. Oh you know, so
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Speaker 4: you're my only appointment today.
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Speaker 2: Oh sorry, I forgot I forgot about that.
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Speaker 4: Yes, And the market is closed today in honor of
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Speaker 4: doctor Martin Luther King Junior's birthday. So so the market
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Speaker 4: gets the day off, and it's one of the only
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Speaker 4: times I can say unequivocally that I know what the
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Speaker 4: market's going to do today.
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Speaker 2: Yeah, yeah, I'm gonna go. I'm gonna go down right
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Speaker 2: right the same.
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Speaker 3: Yeah, that's which isn't to say that there isn't plenty
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Speaker 3: of things to talk about. So if you have any
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Speaker 3: questions at all for John, you're welcome to give us
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Speaker 3: a call this morning three zero a four three four
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Speaker 3: five fifty eight fifty eight three four five fifty eight
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Speaker 3: fifty eight to get a hold of John Birdett from
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Speaker 3: Fourth Avenue Financial. He can help you retire right. Don't
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Speaker 3: let any of those question marks go unanswered that you
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Speaker 3: have for your financial future. Now is the right time
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Speaker 3: to ask. You can give us a call three zero
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Speaker 3: four three four five fifty eight fifty eight. You can
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Speaker 3: text three zero four non three five five zero zero eight.
2:23
Speaker 3: We kind of always start off the show we take
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Speaker 3: a look back at the market from the from the
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Speaker 3: week before and take a look at any headlines that
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Speaker 3: might have kind of bubbled up to the surface, and
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Speaker 3: you may we talked a little bit before we went
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Speaker 3: on the air here. It's so amazing that it's really
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Speaker 3: kind of hard to find any news, regardless of what
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Speaker 3: your flavor is. You know, it's really hard to find
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Speaker 3: any news. There might be a couple places where you
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Speaker 3: go in everything seems super pollanic. You know, there's not
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Speaker 3: many sources that are still peddling that. However, just like
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Speaker 3: we talk about, and this is a great illustration of that,
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Speaker 3: the market is chugging one because those people, I mean,
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Speaker 3: opportunity awaits for all kinds of different circumstances.
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Speaker 4: Yeah, I mean, if you think about the last two weeks,
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Speaker 4: I mean the first two weeks of the year, and
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Speaker 4: all the things that have happened in the news. You know,
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Speaker 4: we've had the of course of the Venezuela leader captured.
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Speaker 4: We've had the White House has proposed bands on institutional
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Speaker 4: investors buying houses. You have the DHA launching a criminal
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Speaker 4: investigation into the FED.
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Speaker 1: You have.
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Speaker 4: The idea that the US is going to take over Greenland.
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Speaker 4: You have a ten percent cap proposed on credit cards.
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Speaker 4: You know, all these our fairly sizable news stories, but
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Speaker 4: the market just shrugs it off. And the reason the
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Speaker 4: market shrugs it off is because the market is different
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Speaker 4: than what's going on in the headlines of the newspaper.
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Speaker 3: It's a great illustration of that we always talk about
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Speaker 3: and it's so true. But think about that, just for
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Speaker 3: a second. Ten cap on credit cards. Have you seen
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Speaker 3: a credit card rate recently and what it would mean
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Speaker 3: to to to spool down the cap to ten percent.
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Speaker 2: What would mean to those coms?
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Speaker 3: I mean that would be a huge investor I mean
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Speaker 3: you would have to consider that majorly if you have
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Speaker 3: any of those companies that are tied up in your
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Speaker 3: in your investments, right, I mean, that's a huge interest hit.
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Speaker 4: And if you really think it through, what's going to
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Speaker 4: happen if you can only collect ten percent interest on
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Speaker 4: the debt you're issuing, You're probably going to be real
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Speaker 4: careful who you issue that debt to. So it may
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Speaker 4: constrict constricted some the availability of credit to folks. I'm
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Speaker 4: confused on how that is different from student loans. Yeah,
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Speaker 4: I don't I don't know really straight. But the but
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Speaker 4: here's the reason the market keeps chugging along. Real GDP
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Speaker 4: three three point eight percent in the second quarter of
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Speaker 4: last year, four point three in the third quarter, This
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Speaker 4: next quarter coming up, fourth quarter numbers that'll be coming up.
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Speaker 4: It's going to be another good uh a good coqu
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Speaker 4: Projected corporate earnings are up sixteen percent last year. So
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Speaker 4: we've had the market go up last year. But really
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Speaker 4: evaluations didn't change much. I mean they did a little
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Speaker 4: bit in certain areas, but it's really an earnings based
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Speaker 4: rise that we're looking at here. And in spite of
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Speaker 4: all the seeming chaos that's being you know, swirling around,
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Speaker 4: companies are doing fine.
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Speaker 3: Is there any I was reading and I always have
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Speaker 3: to read these things and then I have to have
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Speaker 3: you explain it to me because I never necessarily know
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Speaker 3: how it translates. But I was reading about how when
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Speaker 3: you look at like exports and trade, that the way
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Speaker 3: things have redistributed after tariffs, that that China is sitting
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Speaker 3: pretty pretty strong in that regard as far as their
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Speaker 3: import export ratios, the way they've reallocated from you know,
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Speaker 3: the huge mess on the United States of course with imports,
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Speaker 3: but they've reallocated those. I mean, they basically didn't use
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Speaker 3: anything when there when they're trade is is that do
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Speaker 3: you just need that or what is think?
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Speaker 4: That's one of those things that Tom will tell how
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Speaker 4: that sorts itself out. There is some reason to believe
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Speaker 4: some of those numbers. If you look at some of
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Speaker 4: the trade numbers to uh other countries that have gone
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Speaker 4: up so much, those other countries have also exported more
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Speaker 4: to the United States. So is it just being a
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Speaker 4: pass through to get around the tariff and so there's
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Speaker 4: some of that kind of gaming the system going.
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Speaker 2: Interesting for sure, interesting, but.
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Speaker 4: You know it's there again if there if there's a
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Speaker 4: market out there, and there's a good somewhere out there,
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Speaker 4: it's going to try to find one another regardless.
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Speaker 5: And uh.
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Speaker 4: And you know that's another headline thing, the the uh,
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Speaker 4: the ruling on whether the tariffs are even legal to
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Speaker 4: be right to be at, which is you know, there
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Speaker 4: have been I think a couple of hundred billion dollars
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Speaker 4: collected from those tariffs. You know, if if the ruling
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Speaker 4: comes down, does that money go back? Probably not, But
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Speaker 4: you know that's we're not talking jump change, We're talking
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Speaker 4: hundreds of billions of dollars in.
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Speaker 3: It is pretty amazing, though, because any number one of
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Speaker 3: like these four or five things that we talked about
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Speaker 3: at a given time in the not too distant past
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Speaker 3: would have dominated the headlines for a considerable amount of time,
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Speaker 3: and now it's like a little thing on the surface
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Speaker 3: that you see for maybe a day or two before the.
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Speaker 2: Next thing comes along.
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Speaker 3: Pretty pretty amazing, honestly, that these things that would have
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Speaker 3: been huge stories at any other point in my life.
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Speaker 4: But like I said, there's never been a better time
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Speaker 4: to look at the situation and and think, Okay, how
7:44
Speaker 4: many times have we seen news stories in the past
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Speaker 4: that have have maybe influenced the way you plan for yourself,
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Speaker 4: invest for yourself, and those those items that you were
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Speaker 4: worried about end up being fleeting.
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Speaker 1: Uh.
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Speaker 4: There's a chart and it may be on line of
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Speaker 4: there's a there's a fund. It's called the Investment Company
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Speaker 4: of America. It's been around since the thirties, I believe,
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Speaker 4: and they produce this chart of how their fund has
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Speaker 4: performed at the s and P five hundred has performed
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Speaker 4: since the beginning of the fund.
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Speaker 2: Oh wow.
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Speaker 4: And year by year they go into all the major
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Speaker 4: events that might make you worry and enlisted on that chart.
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Speaker 2: Oh wow, that would be very educational.
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Speaker 4: And and you know there are bumps in the chart,
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Speaker 4: but the farther you step back and the more time horizon,
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Speaker 4: it looks like it smooths itself out. And that's the
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Speaker 4: way it works. There's never going to be a time
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Speaker 4: that the news says everything is okay. That's not what
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Speaker 4: the news does. There's always something going on in the world.
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Speaker 4: And but what you own shares in companies, when you
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Speaker 4: own you know, mutual funds in the stock market or
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Speaker 4: individual stocks. You own a piece of a company that's
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Speaker 4: out there trying to earn money.
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Speaker 3: I feel like that the market, you know, although we
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Speaker 3: talk about US endices and things like that, it's such
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Speaker 3: a global of course, institution and institutions that feed into it.
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Speaker 3: That What we've seen a lot of in the last
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Speaker 3: decades as well, is that the applications of things that
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Speaker 3: people do in the market are different, of course, because
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Speaker 3: technology changes those and so it changes things up. But
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Speaker 3: the bread and butter of what the market does has
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Speaker 3: never really changed, even through the course of technology and
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Speaker 3: history and everything like that. So I think what we
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Speaker 3: see is the things around our news cycles and the
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Speaker 3: way we cover things and stuff like that that changes drastically.
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Speaker 3: But the market just continues to do more or less
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Speaker 3: within the guardrails of modernity. It just continues to do
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Speaker 3: what it's always done. It's our coverage of it that
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Speaker 3: changes and the way that we tackle those issues. There
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Speaker 3: wasn't twenty four hour news channels, you know, thirty five
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Speaker 3: forty long though now I don't know, I'm getting old,
9:56
Speaker 3: but still at one point in time, there was no
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Speaker 3: twenty four hour news. We didn't have to make news
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Speaker 3: up that made people worried about, you know, financial headlines
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Speaker 3: and stuff like that to get them to tune into
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Speaker 3: our financial version of our channel or whatever it might be.
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Speaker 4: Well, and of course back then the news came on
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Speaker 4: at six o'clock, it was twenty four hours eating every
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Speaker 4: second on your phone, and everywhere you look there's there's
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Speaker 4: some kind of a story trying to get your attention.
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Speaker 4: So it was it was easier in the past maybe
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Speaker 4: to ignore some of those events because you were out
10:29
Speaker 4: there busy living your daily life, just like the companies
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Speaker 4: are out there trying to trying to improve their situations
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Speaker 4: as well.
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Speaker 3: It's a fine point that we talk about all the time,
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Speaker 3: but it really is something not to give in to
10:42
Speaker 3: your passions on those regards, you know, because there's just
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Speaker 3: some engagement is the name, even financial institutions or even
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Speaker 3: some networks things like that. All they're trying to do
10:51
Speaker 3: is get you engaged, to get you mad, and things
10:53
Speaker 3: like that. Don't make decisions based off of that.
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Speaker 2: Well, and you'd look.
10:57
Speaker 4: At the at the market when the hit one thousand,
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Speaker 4: and then when it hit a thousand, and then it
11:04
Speaker 4: went down, and then it kind of traded sideways for
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Speaker 4: more than a decade in the seventies, basically until nineteen
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Speaker 4: eighty two, I believe, is when it finally broke above
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Speaker 4: one thousand and stayed there and people are like, well,
11:17
Speaker 4: you know, that's a lost decade. If you were a
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Speaker 4: stock investor, that would have been terrible for you. Well,
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Speaker 4: the tax situation was different back then, and so more
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Speaker 4: companies were paying returns via dividends, and so there was
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Speaker 4: still some return there for the investor, but it wasn't
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Speaker 4: in the price of the index that is based on
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Speaker 4: the share prices, because the companies kept higher distribution rates.
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Speaker 4: Today that's not the case. They're doing more buybacks, I
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Speaker 4: think because the tax law has changed, and that's an
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Speaker 4: example of you know, the government changed policies, and what happened,
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Speaker 4: companies went and changed their policies too, to try to maximize,
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Speaker 4: you know, the stake for themselves and their shareholders.
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Speaker 3: It's a great point. I mean, that's in relatively recent
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Speaker 3: times that we've seen this change take place, and there
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Speaker 3: was probably people, if you would find news coverage around
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Speaker 3: the time, what there was, there was probably people that
12:17
Speaker 3: bemoaned that in some way this is the end of everything,
12:19
Speaker 3: or we won't be able to do it. But the
12:21
Speaker 3: companies adjusted and found ways to get around it and
12:24
Speaker 3: probably work to their advantage.
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Speaker 4: Even you know, and you look at the credit card proposal,
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Speaker 4: for instance, one, I think the market thinks that that
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Speaker 4: is highly unlikely that that gets through the sausage making process.
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Speaker 2: It's a little bit like magical thinking. Honestly, I don't
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Speaker 2: even know how.
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Speaker 4: I think it's more of a posturing for the idea
12:44
Speaker 4: that you know, affordability is now the keyword and that
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Speaker 4: sort of thing. So the likelihood that that happens. But
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Speaker 4: if it were to come to pass, would it be disruptive, Yes,
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Speaker 4: But I have no doubt that companies will not look
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Speaker 4: at the policy and figure out how to continue to
13:04
Speaker 4: meet the needs of the of their customers. I don't
13:07
Speaker 4: know how that will look. I can't predict that, but
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Speaker 4: you know, one policy change, it might change the way
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Speaker 4: we do things. But the reality is, if there's a
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Speaker 4: market that people want to fill and there's a demand
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Speaker 4: for it, you know, hey, we're going to do some business.
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Speaker 4: I mean, all you have to do is look at
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Speaker 4: prohibition to see that. You know, yeah, you can you know,
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Speaker 4: there are things that happen to get around things.
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Speaker 3: Policy changes also can change, and I think this is
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Speaker 3: what might drive some animosity sometimes because of the adaption
13:41
Speaker 3: speed of different things, it can change who the have
13:43
Speaker 3: is and who the have not is is. You know,
13:45
Speaker 3: so you could be on similar paths, and if one
13:48
Speaker 3: company adopts in another one can or a person or
13:51
Speaker 3: whatever it is, somebody might go off of that path.
13:53
Speaker 2: Thing.
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Speaker 3: You know, oh, the government really screwed me. I can
13:56
Speaker 3: never do this while the other person pivoted correctly and
13:59
Speaker 3: did the right thing. And so I think sometimes you
14:01
Speaker 3: get a little bit of that animosity that's in there
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Speaker 3: because frankly the side you chose failed or didn't make
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Speaker 3: the right pivot or whatever it might be.
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Speaker 4: I think that's why it's extremely important to state diversified,
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Speaker 4: you know, companies. It is creative destruction. You know, Amazon
14:17
Speaker 4: killed Sears. Of course Sears did some things to help
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Speaker 4: kill themselves too, but the reality is, yes, that was
14:25
Speaker 4: a big loss. But now a new business has sprung
14:28
Speaker 4: more efficiently, apparently more efficiently, and and the people must
14:33
Speaker 4: like it or you know, they vote with their dollars,
14:36
Speaker 4: so it won you know, that's creative destruction. Well, when
14:42
Speaker 4: you're diversified, you spread that risk out, so you're participating
14:46
Speaker 4: in the overall growth rate and productivity improvements of the
14:52
Speaker 4: economy without being subject to you know, missing a turn
14:57
Speaker 4: somewhere along the way in an ever changing world.
15:00
Speaker 3: You give us a call this morning three zer a
15:02
Speaker 3: four three four five fifty to fifty If you have
15:03
Speaker 3: any questions for John Burdett for Fourth Avenue Financial, we
15:05
Speaker 3: can give us a call and put the put John
15:08
Speaker 3: to work for you. If you need some help with
15:10
Speaker 3: your financial future, planning for your retirement. Maybe you just
15:13
Speaker 3: have a mess of different accounts from previous jobs. You
15:16
Speaker 3: know you can put those things together and make the
15:18
Speaker 3: money go to work for you all together. You can
15:20
Speaker 3: give us a call this morning. John can help you
15:21
Speaker 3: get through any of that. Three zero four three four
15:23
Speaker 3: five fifty to fifty eight. Three es are a four
15:24
Speaker 3: three four five fifteen fifty eight. You can also text
15:26
Speaker 3: three zer a four nine three five five zero zero
15:28
Speaker 3: eight three zero four nine three five five zero zero eight.
15:32
Speaker 3: And so again we'll kind of wrap up this portion
15:34
Speaker 3: of talking about the market. We'll take a break and
15:36
Speaker 3: come back and talk about some other stuff. Hopefully you
15:38
Speaker 3: can help us control the conversation by giving us a
15:40
Speaker 3: call or text. But so going into twenty twenty six
15:44
Speaker 3: and taking a look at of course, the market doesn't
15:46
Speaker 3: really matter what year it is. It's up to we
15:48
Speaker 3: start all over on quarterly earnings and different things along
15:51
Speaker 3: those lines.
15:51
Speaker 2: Of course, But.
15:54
Speaker 3: As far as looking ahead to twenty twenty six and
15:57
Speaker 3: things like that, it's really just gonna be much of
15:59
Speaker 3: the same. It's an election year, so that means that
16:02
Speaker 3: as frothy as the headlines have been leading up until
16:05
Speaker 3: January twenty twenty six, unfortunately, they're probably going to get
16:09
Speaker 3: much more frothy in the next twelve months.
16:11
Speaker 4: Yes, and everything will be amped up to try to
16:14
Speaker 4: prove one side position or another. So that's just going
16:19
Speaker 4: to be the nature of the beast, and we'll see
16:22
Speaker 4: what happens. You know, the reality is if if it
16:29
Speaker 4: stays the same, we know what we have. And if
16:31
Speaker 4: it if it changes, it's not changing drastically because you
16:37
Speaker 4: know that not everything is going to change. There's still
16:40
Speaker 4: the you know, Trump's still in the White House and
16:44
Speaker 4: the Senate is probably going to stay the Senate. You know,
16:47
Speaker 4: the House might be in play, so it might slow
16:50
Speaker 4: things down a little bit, but I guarantee there'll still
16:55
Speaker 4: be news stories after the election.
16:57
Speaker 3: Yeah, yeah, it's going to the thing that that also
17:01
Speaker 3: and financially, I don't know how this works out. And
17:04
Speaker 3: I think this is something maybe more of the modern
17:07
Speaker 3: era and we don't really know for sure how it's
17:09
Speaker 3: going to work out. But so many rule changes to
17:12
Speaker 3: the US Code have been made through executive action instead
17:16
Speaker 3: of legal action in the last I mean, I don't
17:19
Speaker 3: mean just the current term, I mean lap but that
17:23
Speaker 3: wasn't always the case. So now we're having things that
17:26
Speaker 3: can kind of cease all back and forth just by
17:28
Speaker 3: a pen. You don't have to go through Congress to
17:30
Speaker 3: do it. And to me, that's a big problem for
17:33
Speaker 3: when you're like, of all the things that we can say, hey,
17:35
Speaker 3: this isn't going to change, this is going to be
17:36
Speaker 3: the same. There's a few things out there that that
17:38
Speaker 3: depending on who's sitting and they can be like, well,
17:40
Speaker 3: not this time, that's going to change as up today.
17:43
Speaker 3: I can think of like overtime rules a few years ago,
17:45
Speaker 3: although that doesn't necessarily go straight into UH into UH
17:49
Speaker 3: into a financial planning for your future, it was still
17:52
Speaker 3: a major thing. It was like up until a certain
17:54
Speaker 3: point it looked like overtime was going to be completely
17:58
Speaker 3: reworked and revisited. I mean, we made tons of changes
18:00
Speaker 3: within our company. And then when Trump ended up winning
18:04
Speaker 3: in twenty sixteen instead of Clinton, and so that Obama
18:07
Speaker 3: era thing kind of went by the way, that all changed,
18:10
Speaker 3: you know, like we no longer had to do that anymore.
18:12
Speaker 3: It can make like from certain level levels, it can
18:16
Speaker 3: make some changes.
18:17
Speaker 2: No doubt.
18:17
Speaker 4: And it's not just the executive I mean if you
18:20
Speaker 4: look at even Congress and the way they're passing things now,
18:23
Speaker 4: it's particularly with the budget. Oh, this sunsets in a
18:26
Speaker 4: couple of years. That so they have to revisit it
18:29
Speaker 4: again and fight it all over again. And depending on
18:32
Speaker 4: who wins the election might determine the outcome. You know,
18:36
Speaker 4: when you are an investor, when you're a business owner,
18:40
Speaker 4: really any individual, what do you like? You like a
18:44
Speaker 4: degree of stability And the more things are done, you know,
18:49
Speaker 4: by a stroke of a pen or the more legislation
18:51
Speaker 4: in those pass that has to be revisited down the road,
18:55
Speaker 4: that ends uncertainty that you know ultimately it's probably not
19:01
Speaker 4: a good thing. You know, when you know what the
19:04
Speaker 4: rules are, then you know how to make plans when
19:08
Speaker 4: the rules are constantly changing. That creates a problem.
19:12
Speaker 3: I think it's something like the Consumer Protection Agency or
19:15
Speaker 3: something like that, certain rules and guidelines that they required
19:19
Speaker 3: you to go by forever. A lot of those have
19:20
Speaker 3: been kind of spun down a little bit where they
19:22
Speaker 3: don't have to meet those guidelines again. I know for
19:25
Speaker 3: a fact some companies didn't change their policies in turn,
19:27
Speaker 3: and they're like, we're just going to continue doing the
19:29
Speaker 3: best practices that we've been doing forever. Some companies said, oh, well,
19:32
Speaker 3: now we can do this. What happens when the next
19:34
Speaker 3: person gets in and suddenly there is going to be
19:36
Speaker 3: a more robust consumer protection agency. Potentially, the companies that
19:41
Speaker 3: are like, hey, we're just going to keep best practices alone,
19:44
Speaker 3: they're not going to have to pivot again as hard,
19:45
Speaker 3: whereas maybe the people is like, you know, wanted to
19:47
Speaker 3: take advantage of it, might find themselves in that sense.
19:49
Speaker 2: We would definitely see that.
19:50
Speaker 4: Even in my business from a regulatory standpoint, you know,
19:54
Speaker 4: when Obama was in, there was just regulation marching forward.
20:00
Speaker 2: Share thing like with all that stuff, right, Yeah, there's.
20:02
Speaker 4: Lots of things marching forward. And as soon as Trump
20:05
Speaker 4: was elected I mean all of a sudden that disappeared. However,
20:10
Speaker 4: many of those things have been implemented or a version
20:14
Speaker 4: of those things have been implemented by the industry anyway,
20:19
Speaker 4: So you know, because sometimes things are you know, the
20:24
Speaker 4: regulation in itself is you know, is not bad. A
20:27
Speaker 4: regulation becomes bad when it impedes overly Burke. Yeah, your
20:34
Speaker 4: your ability to freely exchange goods and survey.
20:37
Speaker 3: Given somebody the connect the dots to to take their
20:40
Speaker 3: path isn't necessarily the wrong thing. I mean, you have
20:42
Speaker 3: to have consideration of things when you do things. You know,
20:46
Speaker 3: you just don't want it to be you don't want
20:48
Speaker 3: it to impede the progress of the business or anything.
20:50
Speaker 4: Yeah, those thoughts, and and you know, over time, you know,
20:55
Speaker 4: whether you like the administration or not, it will pass,
21:00
Speaker 4: just like the previous administration pass and the previous one
21:03
Speaker 4: before that, and the policies do change.
21:07
Speaker 2: But it's it's if you look at it, it's like
21:09
Speaker 2: a pendulum over time. You know, one side.
21:13
Speaker 4: Has has good ideas and then goes overboard and and
21:17
Speaker 4: they get you know, kicked back, and and then the
21:22
Speaker 4: other side goes too far the other way. I mean,
21:25
Speaker 4: we really tend to swing between extremes, and every now
21:29
Speaker 4: and then we're we drift in the middle.
21:32
Speaker 3: Not a bad place to stay some thumbs. Let's say this,
21:34
Speaker 3: Let's take a break. When we come back, still have
21:36
Speaker 3: plenty of things to talk about it. You could control
21:38
Speaker 3: the conversation. We've taught touched on a lot of topics
21:40
Speaker 3: this morning, but you can come up with your own.
21:41
Speaker 3: If you have any questions for John, you can give
21:43
Speaker 3: us a call three zero four three four five fifty
21:45
Speaker 3: eight fifty eight three four five fifty eight fifty eight.
21:47
Speaker 3: If you want to keep it a little bit more
21:48
Speaker 3: on the d L, you want to send in a text,
21:50
Speaker 3: you can do that too. Threes are a four non
21:51
Speaker 3: three five five zero zero eight three zer a four
21:53
Speaker 3: non three five five zero zero eight. You're listening to
21:56
Speaker 3: retire Right Radio. John bur Dad is here. I'm del Cooper.
21:58
Speaker 3: Will take a break and be back right after this.
21:59
Speaker 3: You're listening to for TRYRTE Radio on fave Edochs, the
22:02
Speaker 3: Voice of Charleston.
22:03
Speaker 5: Re TYRT Radio is sponsored by Fourth Avenue Financial, which
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22:25
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22:29
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22:31
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22:33
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22:45
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22:48
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22:55
Speaker 4: What if the market drops after you retire? What if
22:58
Speaker 4: healthcare costs continue to rise? What if you outlive your savings?
23:01
Speaker 4: If these questions keep you up at night, You're not
23:03
Speaker 4: alone and you don't have to figure it out alone.
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Speaker 6: This is Retire Right Radio with John Burdett from Fourth
24:01
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Speaker 6: four five fifty eight fifty eight or texts on three
24:08
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24:23
Speaker 3: Yeare listening to We're Sorry right Radio about anw his
24:26
Speaker 3: the Voice with Charleston. John Burdett is here with us
24:28
Speaker 3: this morning, and give us a call if you have
24:29
Speaker 3: any questions about your financial future. John can help you out.
24:32
Speaker 3: Three zero four three four five fifty eight fifty eight.
24:34
Speaker 3: Three zero four three four five fifty eight fifty eight.
24:36
Speaker 3: As we've been talking about, things gonna be a little
24:38
Speaker 3: frothy in the headlines out there, but there's always a
24:40
Speaker 3: way that you can retire. Right when you look at
24:42
Speaker 3: that hockey stick when it comes to the market, pretty
24:45
Speaker 3: much any indicies that you look at, like we were
24:47
Speaker 3: talking about earlier, you zoom out far enough, say, over
24:50
Speaker 3: the course of a career, you see that thing goes
24:53
Speaker 3: pretty much a hockey stick up. And so if you
24:55
Speaker 3: do things right, start earlier in your career, make the
24:58
Speaker 3: right decisions, and you don't have to be per you know,
25:00
Speaker 3: you just have to keep a process and do the
25:02
Speaker 3: best you can.
25:03
Speaker 4: Access, keep moving in the right direction, you know, keep
25:06
Speaker 4: living below your means, keep actively creating savings and investment.
25:11
Speaker 4: Don't overthink it, you know, stay diversified and focus on
25:16
Speaker 4: that you can control that you can't control the news.
25:19
Speaker 4: And if you do that, Inevitably you're going to find
25:23
Speaker 4: yourself a degree of success, certainly more successful than if
25:27
Speaker 4: you hadn't saved and haven't hadn't invested at all.
25:31
Speaker 3: And that's really the way to go about it. John
25:33
Speaker 3: can help you out with the strategies of course, that
25:36
Speaker 3: are customized to you if you need to help and
25:39
Speaker 3: planning for your financial future. There's many steps that are
25:42
Speaker 3: involved with it. A lot of times you can't just say, okay,
25:44
Speaker 3: well let me open up my money market account, let
25:47
Speaker 3: me get my four one K cranking and start cash in.
25:50
Speaker 3: Putting this cash in savings. That sounds great, but you
25:53
Speaker 3: can't do that if you're paying out tons of debt,
25:55
Speaker 3: for example, with high interest rates and things like that.
25:57
Speaker 3: So it makes a lot of sense for you to
25:59
Speaker 3: spend those things down first. You may want to start
26:01
Speaker 3: saving and if you have that extra money, but man,
26:03
Speaker 3: it would be nice to move this thousand dollars over
26:05
Speaker 3: to my savings account. But if you have a if
26:07
Speaker 3: you have a thousand dollars credit card that you're paying off,
26:09
Speaker 3: better off to pay off that credit card first and
26:11
Speaker 3: saving that.
26:12
Speaker 4: Is that is the case, I mean, you want to
26:14
Speaker 4: have it, have it some emergency funds. But yeah, but
26:17
Speaker 4: if you're carrying high interest debt, that is your priority.
26:21
Speaker 4: And and of course that high interest debt is a
26:25
Speaker 4: priority to pay off. But the thing that really needs
26:28
Speaker 4: fixed is your budget. You wouldn't have the high interest
26:32
Speaker 4: debt if your budget was in shape. You know, that
26:35
Speaker 4: budget is the is the symptom of the of the
26:39
Speaker 4: problem of the of the budget. And and so you've
26:42
Speaker 4: got to hammer out that debt, get it paid off
26:45
Speaker 4: as quickly as possible so you can then be productive.
26:47
Speaker 4: But that will not happen. You'll find yourself getting right
26:50
Speaker 4: back into the same situation if you also don't address
26:55
Speaker 4: the budget and and the process of living below your
26:59
Speaker 4: means and creating saving some investment. You know, even if
27:03
Speaker 4: you only are creating, you know, fifty dollars worth of
27:07
Speaker 4: saving some investment every month and you don't have credit
27:10
Speaker 4: card debt, even that will put you in a much
27:14
Speaker 4: better shape, you know, five years from now, ten years
27:17
Speaker 4: from now.
27:18
Speaker 3: I remember when I when I managed the rental car company,
27:22
Speaker 3: and I had had a whole bunch of employees that
27:24
Speaker 3: were mostly younger, you know, they were sort of beginning
27:27
Speaker 3: their their professionals careers or whatever it might be There
27:30
Speaker 3: was a couple that within the company they got married eventually.
27:33
Speaker 3: They worked at different locations and they got married eventually,
27:35
Speaker 3: and they used to bicker all the time. Imagine that
27:38
Speaker 3: before they even got married, right. But one of the
27:40
Speaker 3: things they always and I wasn't I didn't. I only
27:42
Speaker 3: realize this in retrospect of conversations that we've had over time,
27:45
Speaker 3: But one of the things they got mad about. She
27:46
Speaker 3: was so mad at him because apparently he had some
27:49
Speaker 3: X amount of money and savings and he had some
27:51
Speaker 3: X amount of debt that he was that he was
27:53
Speaker 3: paying off. I don't it was probably student debt, credit
27:55
Speaker 3: card debt, and things along those lines, and he refused
27:57
Speaker 3: to pay off his debt before like they got married
28:01
Speaker 3: or anything. He's like, I'm not going to suspend all
28:03
Speaker 3: my savings to pay off my dad. And she's like,
28:05
Speaker 3: that's what it's for.
28:06
Speaker 4: You have to.
28:06
Speaker 2: And I never really realized the argument. I don't know that.
28:08
Speaker 3: I mean, I don't know any of the nuances to
28:10
Speaker 3: the situation, but I just know that they carried that
28:12
Speaker 3: argument for weeks before they got married and their and
28:15
Speaker 3: their marriage lasted less than a year, so you know,
28:17
Speaker 3: go figure that.
28:18
Speaker 2: But That's just one of those things.
28:20
Speaker 3: I remember that in retrospect to the conversations that we
28:22
Speaker 3: have because they started off on the wrong foot right
28:24
Speaker 3: away and not understand they weren't on the right page.
28:26
Speaker 3: They didn't understand what each other's goals were, and he
28:29
Speaker 3: may not have understood the nuances with Hey, you saving
28:32
Speaker 3: money with all of this, and that was back in
28:35
Speaker 3: higher interest rate times. You saving money even with this
28:37
Speaker 3: interest rate. That's not helping us out any as a
28:39
Speaker 3: as a couple going forward, right.
28:41
Speaker 4: And and so there you have a a math question
28:45
Speaker 4: with the should you pay this off or should you
28:47
Speaker 4: you know, have the savings, but you also have, like
28:51
Speaker 4: you say, a relationship issue of being on the same page.
28:56
Speaker 4: And you know, I think probably for the most from
29:01
Speaker 4: the most case folks our age, you know, fifty and older,
29:06
Speaker 4: most couples certainly combine right or like a household. And
29:16
Speaker 4: you know, and if you're not on the same page,
29:18
Speaker 4: if you're pulling in two different directions, that can be
29:20
Speaker 4: a problem. A lot of younger folks now are doing
29:27
Speaker 4: their budget separately and keeping their money separate, which I
29:33
Speaker 4: have a real trouble understanding how that can be effective.
29:40
Speaker 4: There again, you still are. If you're going different directions,
29:44
Speaker 4: you're still not building something together. And obviously, if one
29:49
Speaker 4: is diligent at retiring and the other retirement planning and
29:52
Speaker 4: the other isn't, what's going to happen down the road.
29:56
Speaker 4: One's going to retire and move to Florida and the
29:59
Speaker 4: other one's going to stay and work. I mean, you
30:01
Speaker 4: know it, it seems odd to me to have that
30:05
Speaker 4: type of a division. You know, to me, you just
30:10
Speaker 4: have to be rowing together to get to you know,
30:16
Speaker 4: the better place or the place you want to be financially.
30:19
Speaker 4: And if you're not, that's that's a problem.
30:23
Speaker 2: And that could go all the way.
30:24
Speaker 3: And just as a as a family that works off
30:27
Speaker 3: of a single income, since my kid's homeschool and my
30:30
Speaker 3: wife does the homeschooling, that could really pull you in
30:32
Speaker 3: a lot of different directions, even on something like grocery
30:35
Speaker 3: shopping or something like, okay, we need to eliminate, you know,
30:37
Speaker 3: certain relative luxury items or whatever it might be. Unless
30:41
Speaker 3: we are find ourselves in a situation be more flushed
30:43
Speaker 3: this month than other months. These things are going to
30:45
Speaker 3: be optional from here on forward. If one person believes
30:48
Speaker 3: in that but not the other person, so when one
30:49
Speaker 3: person does the shopping, you get those things and the
30:52
Speaker 3: other person does. I mean it's a small thing, but
30:54
Speaker 3: those little things, if you're not on the same page
30:56
Speaker 3: with everything you're doing as a team, then those things,
30:58
Speaker 3: can you know, they work against each other.
31:00
Speaker 4: Yeah, yeah, especially especially some of the big items, like
31:03
Speaker 4: you say, carrying debt and you know, those type of things,
31:07
Speaker 4: because you know if you're if you're carrying significant credit
31:12
Speaker 4: card debt, it is almost impossible to end up where
31:16
Speaker 4: you need to be in retirement. You're not going to
31:20
Speaker 4: out earn twenty five credit card debts.
31:24
Speaker 2: Yeah.
31:24
Speaker 3: That that was the first thing that I learned when
31:25
Speaker 3: I first learned how to get debt free, and now
31:27
Speaker 3: I've done it. Just achieved my third time being debt
31:30
Speaker 3: free other than mortgages a couple of weeks ago, where
31:32
Speaker 3: I paid off everything except for my mortgage. And that's
31:34
Speaker 3: the thing that I learned, Like any kind of revolving
31:39
Speaker 3: debt that you open up, you got to get rid
31:40
Speaker 3: of that stuff as quickly as possible. And that generally
31:42
Speaker 3: helps a lot because you can take that money and
31:44
Speaker 3: then allocate it towards something else, and then the snowball
31:46
Speaker 3: starts all over again, and I've never had to work
31:49
Speaker 3: with more than a couple of thousand dollars after my
31:51
Speaker 3: initial like twenty five to thirty thousand dollars debt payoff.
31:54
Speaker 3: But still now that I know the process and with
31:56
Speaker 3: things that I have to go to a little in debt,
31:58
Speaker 3: I know how to unspin those things out. And those
32:00
Speaker 3: are the types of things that you need to that
32:01
Speaker 3: people need to learn, and they need to know how
32:03
Speaker 3: to get out from behind the debt and then how
32:06
Speaker 3: to save over like get debt free and then save
32:08
Speaker 3: over top of that, be disciplined among that I was
32:11
Speaker 3: going to ask as we were talking about being on
32:13
Speaker 3: the same page, and I imagine that the difficulty of
32:17
Speaker 3: combining households that were already mature, like so divorced and
32:21
Speaker 3: then remarry like a Brady Bunch type situation. Honestly on
32:25
Speaker 3: both sides, that could be very complicated. I bet to
32:28
Speaker 3: some degree, yes it can be, and it doesn't have
32:31
Speaker 3: to be, but it can it can be.
32:33
Speaker 2: And and also.
32:35
Speaker 4: A lot of times that maybe they're each have children
32:39
Speaker 4: right from different marriages, and you know, how does that
32:43
Speaker 4: work out in the estate planning? And those are lots
32:47
Speaker 4: of personal things that people have to have to work
32:49
Speaker 4: through and and of course, you know, I can sit
32:53
Speaker 4: down and go through that process, but ultimately it's it's
32:56
Speaker 4: the decision of the of of the two how to
32:59
Speaker 4: work that out. But you do see, you know older
33:02
Speaker 4: folks that are have divisions in their in their in
33:07
Speaker 4: their money. A lot of times that is the reason
33:10
Speaker 4: where younger people seem to be electing it from the start.
33:13
Speaker 3: Yeah, I just can can't imagine being in a situation
33:17
Speaker 3: where maybe you were planning for your one child and
33:21
Speaker 3: for a college education in the future or whatever it
33:24
Speaker 3: might be, and then you you get married and then
33:26
Speaker 3: suddenly maybe you have three children under your home that
33:28
Speaker 3: you need to have college education for. Maybe the spouse
33:32
Speaker 3: that you married wasn't as that wasn't able to plan
33:35
Speaker 3: as well out far ahead for their children, you know,
33:38
Speaker 3: I mean, there could be a lot of like sort
33:40
Speaker 3: of imbalance that gets that gets onboarded there right from
33:42
Speaker 3: the beginning. So that's important conversations to have. And I
33:45
Speaker 3: have to imagine that's where a financial advisor could really
33:47
Speaker 3: come in handy as well to kind of sort through
33:49
Speaker 3: all that mess and come up with a cohesive plan.
33:52
Speaker 4: Yeah, come up with a game plan and of course, uh,
33:55
Speaker 4: you know, it's ultimately up to the couple. But but
34:00
Speaker 4: you can come up with a prudent plan to help
34:03
Speaker 4: help God and make sure that you're not making expensive
34:07
Speaker 4: mistakes along the way, because.
34:09
Speaker 3: There are ways to do that too, Like if you
34:11
Speaker 3: start doing the wrong thing or things work, yeah, right.
34:15
Speaker 4: You should do this before you do that, for instance,
34:18
Speaker 4: and if you get that out of order, that can
34:20
Speaker 4: be a significant costs over a number of years.
34:24
Speaker 3: And then as far as well again with just a
34:27
Speaker 3: couple of minutes left in the program. So if you
34:30
Speaker 3: do have a situation that you're in where either you
34:33
Speaker 3: have retirement accounts for one k is whatever you might
34:36
Speaker 3: have either cohesively somewhere or just scattered amount among the
34:40
Speaker 3: previous jobs that you've had, you're finding ways trying to
34:42
Speaker 3: manage these things. You have a current for a one k,
34:44
Speaker 3: you know, you have another one with your last job
34:46
Speaker 3: that you get statements on the but you no longer
34:48
Speaker 3: actively put money on it. I mean, there's all kinds
34:50
Speaker 3: of situations that you might have out there, and there's
34:52
Speaker 3: ways that you can make that simpler and make that
34:54
Speaker 3: work more for your life, and then adopt a strategy
34:56
Speaker 3: where you can make your savings money do more work
34:59
Speaker 3: for you. And that's as easy as just picking up
35:01
Speaker 3: the phone.
35:02
Speaker 4: Yeah, yeah, just give us a call three oh four
35:04
Speaker 4: seven four six seven one seven seven. Of course, the
35:07
Speaker 4: office is closed today, not today, not today. You'll get
35:11
Speaker 4: you'll get a message there, but we will return your call.
35:14
Speaker 4: You can go to our website. You can schedule a
35:17
Speaker 4: phone call right on our website. Follow the Facebook page
35:20
Speaker 4: Fourth Avenue Financial and and see updates from time to time.
35:25
Speaker 4: You know, we're we're we trying to make ourselves available,
35:28
Speaker 4: so not too hard to find us.
35:31
Speaker 3: One of the things that I find in the modern
35:33
Speaker 3: tools that that I really enjoy and I've just taken
35:35
Speaker 3: advantage of it recently. Is it so much easier now?
35:38
Speaker 3: I'm thinking back to when I first had my first
35:41
Speaker 3: four one K I guess which would have been in
35:43
Speaker 3: the in the mid nineties or something like that. I
35:45
Speaker 3: guess it's so much easier now if you want to
35:47
Speaker 3: just add funds, you know, if you want to, like
35:49
Speaker 3: you have extra funds and you want to allocate like
35:51
Speaker 3: from the holidays or something like that, and you want
35:52
Speaker 3: to add them to.
35:53
Speaker 2: It's like super easy to do that stuff now. It
35:54
Speaker 2: used to be.
35:55
Speaker 3: There used to be some not barriers, but I mean
35:57
Speaker 3: there's just paperwork you'd have to go through, and now
35:59
Speaker 3: most of that's electronic. And one of the things that's
36:01
Speaker 3: nice about technology on something like that, it really gives
36:04
Speaker 3: you the ability to say, Okay, let me put this money.
36:06
Speaker 3: I can get it into a savings situation with my
36:09
Speaker 3: investment accounts and it doesn't have to sit in my
36:11
Speaker 3: checking account for a while.
36:12
Speaker 4: Yeah, and a lot of folks too don't realize that
36:15
Speaker 4: they can do IRA contributions in addition to their company
36:20
Speaker 4: sponsored plan most of the time. So it's one of
36:24
Speaker 4: those things that if you are taking full advantage of
36:27
Speaker 4: your company plan and still have excess funds, you'd like
36:29
Speaker 4: to put the work in a retirement type tax deferred setting.
36:33
Speaker 4: It's possible to.
36:35
Speaker 3: Do, and there should be one of three different ways,
36:37
Speaker 3: either through your payroll provider, through your bank, or through
36:39
Speaker 3: where the IRA might be, where you could do that
36:40
Speaker 3: automatically every paycheck, so you don't even you don't even
36:43
Speaker 3: notice that necessarily when it gets done.
36:45
Speaker 4: Yes, I mean some people do fund their IRA once
36:47
Speaker 4: a year, but frequently we set up achs out of
36:51
Speaker 4: a checking account to fund it. Systematically so you don't
36:54
Speaker 4: have to think about it every month that one hundred
36:56
Speaker 4: dollars hits that account and gets invested.
37:00
Speaker 3: That's great stuff, as always in all kinds of trips,
37:02
Speaker 3: that you can learn to help make your financial future
37:04
Speaker 3: solvent and have it make sense and maybe take a
37:07
Speaker 3: little bit of that worry out of your life. Of course,
37:08
Speaker 3: you'll never be able to go completely worry free when
37:11
Speaker 3: it talks about what we're going to do after retirement
37:13
Speaker 3: and things, but you can certainly demystify a lot of
37:16
Speaker 3: that and feel a lot better about it by giving
37:18
Speaker 3: John a call at Fourth Avenue Financial. Let me get
37:20
Speaker 3: you all the information so you can get ahold of
37:22
Speaker 3: Fourth Avenue Financial at any future point. Fourth Avenue Financial
37:25
Speaker 3: is online Fourth Avenue Financial dot com. You spell out
37:27
Speaker 3: the whole thing Fourth Avenue Financial dot com. You can
37:30
Speaker 3: also do that same search on Facebook and like the
37:32
Speaker 3: page over there to be kept up to date with
37:33
Speaker 3: different events and things that John does. And also the
37:36
Speaker 3: phone number three zero four seven four six seven nine
37:38
Speaker 3: seven seven three zero four seven four six seven nine
37:40
Speaker 3: seven seven three zero four seven four six seven nine
37:44
Speaker 3: seven seven on line Fourth Avenue Financial dot com.
37:46
Speaker 2: John, thanks so much, for your time again this week.
37:48
Speaker 2: All right, thank you. We'll see what next week brings
37:50
Speaker 2: in store for us.
37:52
Speaker 3: I bet news. I bet news, and uh probably enough
37:55
Speaker 3: market would be my guess. We'll see, maybe not. I'll
37:57
Speaker 3: hope I didn't curse things. Coming up next is gonna
37:59
Speaker 3: be Dave Allen on The Dave Allen Show for five
38:01
Speaker 3: ad live. I'll be back this afternoon at three oh
38:03
Speaker 3: six on Hotline with Dave Weekly. Thanks so much for
38:06
Speaker 3: tuning in everyone, and have a great day listening to
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Speaker 3: the Voice of Charleston.
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