Latest / WCHS Network Podcasts / 01/05/2026 Retire Right Radio with John Burdette

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01/05/2026 Retire Right Radio with John Burdette · WCHS Network Podcasts

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Speaker 1: The views and opinions expressed on this program do not
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Speaker 1: necessarily reflect the views and opinions of five ADWCHS, its
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Speaker 1: employees or WVRC Media. This is retire Right Radio, a
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Speaker 1: weekly show from John Verdet at Fourth Avenue Financial that
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Speaker 1: aims to answer your questions about financial planning, investing, and
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Speaker 1: how to retire right. Fourth Avenue Financial is located in
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Speaker 1: downtown Charleston at one seventy Court Street. More information online
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Speaker 1: at Fourth Avenue Financial dot com. Join the conversation by
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Speaker 1: calling three oh four three four five fifty eight fifty
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Speaker 1: eight or text three oh four nine three five fifty
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Speaker 1: oh eight On retire Right Radio. Let's go live to
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Speaker 1: the studio with host Dale Cooper and John Verdett from
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Speaker 1: Fourth Avenue Financial.
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Speaker 2: HS and very flus. Good morning to you. You're listening
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Speaker 2: to retire Right Radio on five EDWCHS, the voice of
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Speaker 2: Charleston an Deel Cooper. Thanks for tuning in on this
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Speaker 2: Monday morning, and congratulations you made it through the new year.
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Speaker 2: Happy twenty twenty officially from retire Right Radio on five
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Speaker 2: ad w c HS. This is our first show of
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Speaker 2: the new year and feels pretty good to be here
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Speaker 2: on this fifth day of January twenty twenty six, How
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Speaker 2: you doing, John?
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Speaker 3: Pretty good? Fifth day? It'll be gone before you know.
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Speaker 2: I was already thinking, Man, it's already five days until January.
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Speaker 2: Only three hundred and sixty days left? What is that?
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Speaker 2: Three hundred and forty whatever days until Christmas or houses?
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Speaker 3: How are you still on track for the resolutions?
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Speaker 2: And you know, it's funny, even before I lost all
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Speaker 2: the weight was almost eight years ago. Now I had
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Speaker 2: kind of been somebody that had come to the point
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Speaker 2: in my personal ethic. I sort of was like, if
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Speaker 2: I'm gonna like better myself, if I want to make changes,
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Speaker 2: I'm just gonna do it and like not try to
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Speaker 2: attach it to you know, because if you try to
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Speaker 2: attach it to like horizons like well, once the new
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Speaker 2: year gets here, I'm going to start, You'll never do it.
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Speaker 2: You'll procrastinate or or the time will get there. It
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Speaker 2: just doesn't work. You got to you got to. You
1:51
Speaker 2: gotta jump at the opportunity when you're feeling it, not
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Speaker 2: schedule it. And so that's kind of what I I
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Speaker 2: don't do resolution not it's just if it helps you,
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Speaker 2: that's great. But for me, I just found that you
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Speaker 2: take the ball by the horn. When you have the idea,
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Speaker 2: I think you just keep going with it. And that's
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Speaker 2: how A lost the way, That's how I try to
2:05
Speaker 2: keep with things.
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Speaker 3: Yeah, yeah, well, I uh, I just shared with you
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Speaker 3: the Odyssey to DC. My son pass crazy and so
2:13
Speaker 3: so I get back and I hadn't slept for like
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Speaker 3: a day after driving to DC and back to renew
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Speaker 3: this passport. So I went to bed about eight o'clock
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Speaker 3: and woke up in the New Year. So I didn't
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Speaker 3: there was you know, there was no celebration there.
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Speaker 2: Yeah, that's uh. You know, it's very odd when you
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Speaker 2: watch the New Year celebrations and things, you probably sixty
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Speaker 2: five percent of the show. You could air the show
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Speaker 2: from the previous year, and you wouldn't know the difference,
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Speaker 2: Like I mean, especially within like a couple of years
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Speaker 2: of each other, like the artists might change just a
2:49
Speaker 2: little bit depending on how that But and then again,
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Speaker 2: some of the artists never changed, like they keep on
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Speaker 2: propping up the same people all the time, every every
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Speaker 2: New Years that you have out there. I liked, I
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Speaker 2: liked the things growing up, but I found this year
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Speaker 2: I didn't get the same rejuvenation watching the New Year's
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Speaker 2: Eve ball drop that I did watching Macy's for example,
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Speaker 2: Macy's with my kid was amazing this year. Like I
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Speaker 2: hadn't enjoyed the Macy's parade from that spectacle in decades,
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Speaker 2: you know. And my daughter loved it this year, and
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Speaker 2: I really enjoyed watching it with her. She watched the
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Speaker 2: whole thing. It was really cool.
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Speaker 3: I want to get that on end of the Dog Show, right, yeah.
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Speaker 2: Right, exactly true. I didn't get that same thing with
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Speaker 2: the ball drop. I felt it was kind of the
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Speaker 2: same old stuff. Man, you can literally do this anytime.
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Speaker 2: I know that Clark, Yeah, I know that's I mean,
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Speaker 2: it's like I don't know, Ryan Sea Chrish just doesn't
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Speaker 2: do it for me, you know, and and I don't know. Anyway,
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Speaker 2: we're not here to talk about that. We're talking about
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Speaker 2: your finances in the New Year. And this is the
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Speaker 2: place where you can get ahold of us. If you
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Speaker 2: wanted to get a hold of John this morning, maybe
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Speaker 2: your resolutions, whatever they might be, of their financial resolutions,
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Speaker 2: those go a long way, especially when you're talking about
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Speaker 2: turning over the calendar. You can give us a call
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Speaker 2: this morning at three or four, three, four, five, fifty
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Speaker 2: eight three four five fifty fifty eight, where you can
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Speaker 2: find John to help you out with maybe what your
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Speaker 2: resolutions are to get through the financial New Year h one,
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Speaker 2: where you're planning for your retirement. You can also text
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Speaker 2: us any questions that you have this morning at three
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Speaker 2: zero four non three five five zero zero eighth. Threes
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Speaker 2: are a four non three five five zero zero eight.
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Speaker 2: Of course it's twenty twenty six. If you haven't started
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Speaker 2: planning for your retirement yet, the next the best time
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Speaker 2: to do it is now is now, that's correct. The
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Speaker 2: next best time was yesterday, but now now we'll work
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Speaker 2: just fine. So you can give us a call this
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Speaker 2: morning if you have questions. Threes are a four non
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Speaker 2: three five five zero zero eight. Going into the end
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Speaker 2: of the year, we always talk a little bit about
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Speaker 2: what the market was like. And it's always interesting talking
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Speaker 2: the first week of January, because I mean, December is
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Speaker 2: such a special month usually when it comes to the
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Speaker 2: end of the year finances and different things along those lines.
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Speaker 2: But how's the market standing going into the first of
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Speaker 2: the year. Well, you know, so far, so good. We've
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Speaker 2: we've bounced around. I think this year we're up point
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Speaker 2: seven percent for the year already. Hey we're up a
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Speaker 2: little bit.
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Speaker 3: So yeah, it is funny when I'm when I look
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Speaker 3: at my uh my information source, you know, it tracks
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Speaker 3: how things have done throughout the year, and you know,
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Speaker 3: all of a sudden, you look zero percent. We're starting
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Speaker 3: from scratch. I feel, you know, it feels like you're
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Speaker 3: the the salesperson that you hit your quota and next
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Speaker 3: year it just gets bigger.
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Speaker 2: I was just gonna say, my condoles is to all
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Speaker 2: those salespeople that did meet their did meet their their
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Speaker 2: their benchmark last year, and now they have to start
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Speaker 2: all over again, because uh I know a lot of
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Speaker 2: people that had a nice lead going into and we're
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Speaker 2: coasting for a little while. And so I mean not coasting,
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Speaker 2: but you know when you when you sew it up,
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Speaker 2: it feels pretty good. But now you have to start
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Speaker 2: all over.
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Speaker 3: Yeah, that's right, probably a little sandbagging along the way, right.
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Speaker 2: I mean, honestly, if you know what you're doing, you
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Speaker 2: want to start off.
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Speaker 3: Honestly, sometimes companies do that. You know, if they have
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Speaker 3: a bad news things like that, they'll try to get
5:40
Speaker 3: it out all in one quarter. So oh yeah, right,
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Speaker 3: you know, and so the next quarters the news will
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Speaker 3: seem better.
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Speaker 2: So uh, I mean it's a strategy. I mean it's
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Speaker 2: it's a way to manage the narrative on those types
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Speaker 2: of things, and that that all kind of plays into
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Speaker 2: to that above board. So the bottom line is, though
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Speaker 2: the market, uh, whether it's uh, we don't know if
5:58
Speaker 2: far as oil prices, stuff like other people make jokes
6:01
Speaker 2: as far as venezuelan and things like. We have no
6:03
Speaker 2: idea as far as anything like that goes. Just looking back,
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Speaker 2: I know I paid for over four dollars for premium yesterdays.
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Speaker 2: If we get a little low ring of that, it
6:11
Speaker 2: wouldn't be so bad. To be honest with you, that
6:13
Speaker 2: was a little bit I was like, oh my goodness,
6:15
Speaker 2: I need to full fill up too. Yeah.
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Speaker 3: Yeah, well, well we'll see how that plays out. I mean,
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Speaker 3: you know, there's the initial uh you know, impact of
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Speaker 3: the of just the news and trying to digest it.
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Speaker 3: But but then you know, how is this going to
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Speaker 3: play out? And it's too early to tell and you
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Speaker 3: can't control it anyway, So focus on the things that
6:36
Speaker 3: you can control.
6:37
Speaker 2: And it's not your job to control that as somebody
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Speaker 2: that's looking to manage into your retirement, Like we talked
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Speaker 2: about all the time, there's stuff. I mean, it's the
6:43
Speaker 2: things that that and long term might affect some of
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Speaker 2: the things that you're worried about, but it's not. The
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Speaker 2: headlines don't affect what you're doing now. You just need
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Speaker 2: to do the right thing and keep going forward. And
6:51
Speaker 2: so as we've seen through you know, last year, I
6:54
Speaker 2: think if you would categorize it to quote unquote politically,
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Speaker 2: it was a wild a lot of things going all year,
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Speaker 2: but yet the market, look at the market, the market off.
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Speaker 3: I took everything in stride and going into this year,
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Speaker 3: earnings are still looking solid. The projections are looking solid,
7:12
Speaker 3: and they're looking to be more broad all the different
7:16
Speaker 3: categories within the S and P five hundred across the
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Speaker 3: board there are eleven different subcategories in the S and
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Speaker 3: P five hundred. Earnings are actually going to be more
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Speaker 3: evenly spread out across those industries, or at least that's
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Speaker 3: what the projections are than it being so tech heavy
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Speaker 3: in the last couple of years. So it might be
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Speaker 3: a good idea as we move into the year and
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Speaker 3: you're thinking about things and your portfolio, think okay, am
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Speaker 3: I in balance, am I diversified. Have I allowed the
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Speaker 3: technology position in my portfolio to grow to two large
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Speaker 3: a position inside your portfolio? In other words, maybe it
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Speaker 3: was fifteen and now it's thirty percent of your portfolio.
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Speaker 3: It might be time to revisit your allocation and try
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Speaker 3: to diversify that. Ring a little bit of the risk
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Speaker 3: out into the thing out of the things that have
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Speaker 3: run the fastest, and spread it out into areas that
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Speaker 3: you know, if the analysts are right, the earnings are
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Speaker 3: going to be fairly strong this year for those industries.
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Speaker 2: You've made many good points on this program before, and
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Speaker 2: I thought I could recap that just a little bit,
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Speaker 2: because if you're like me, if you're, for example, if
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Speaker 2: you have your work for a one K and through
8:30
Speaker 2: our four one K here at work, you can logg
8:32
Speaker 2: go into it. You can mess around with your distributions
8:34
Speaker 2: and read the charts and different things along those lines.
8:36
Speaker 2: If you're somebody that maybe was just looking at top
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Speaker 2: performers and thinking, well, those are that's where the funds
8:41
Speaker 2: I want to park my money into. I want to
8:43
Speaker 2: make sure that I get my distribution into these top performers.
8:46
Speaker 2: And as you taught me, if you're not looking into
8:49
Speaker 2: like what's making up those top performers. You might be
8:52
Speaker 2: overlapping on a lot of different industries because you're just
8:55
Speaker 2: chasing the dollar. And of course mutual funds that did
8:58
Speaker 2: well might have the same stocks they're part of the fund.
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Speaker 3: Especially since the last couple of years we've had such
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Speaker 3: neurow leadership in the tech space. If your funds are
9:09
Speaker 3: making twenty plus percent the last couple of years, they
9:13
Speaker 3: almost have to be heavy in tech. And if you're
9:16
Speaker 3: just picking the ones that have done that, you're duplicating
9:19
Speaker 3: your efforts and not really diversifying.
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Speaker 2: Yeah. Yeah, and that's what I learned. I actually found
9:24
Speaker 2: out that through just doing the management of mine here
9:27
Speaker 2: at work, that I decided to go in and use
9:30
Speaker 2: their like automatic scoring thing or whatever, because they actually
9:33
Speaker 2: take the algorithm takes that into effect a little bit,
9:35
Speaker 2: so you don't have a lot of like overlap and
9:37
Speaker 2: different things like that and things that you're looking at.
9:39
Speaker 2: And I felt like that was a little bit more
9:40
Speaker 2: comfortable than me just going through and be like, oh, Okay,
9:42
Speaker 2: I want to do you know, cause I can read
9:46
Speaker 2: the charts and everything, but man, I don't want to
9:47
Speaker 2: go through all that.
9:48
Speaker 1: That's what you're for it.
9:49
Speaker 2: I mean, frankly, that's what cause those things just confuse me.
9:52
Speaker 2: It looks like all of them do well to some degree.
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Speaker 3: Yeah, and if over time, over time that's the truth.
9:57
Speaker 3: I mean, you know, like international stocks have been in
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Speaker 3: you know it really in the dumpster for years and
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Speaker 3: then all of a sudden last year boom back to life. Well,
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Speaker 3: if you said forget international, you would have underperformed somewhat
10:09
Speaker 3: last year if you didn't have that in your portfolio. So,
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Speaker 3: you know, think long term. You know, if you look
10:16
Speaker 3: long term at the cycle, you know, value growth over time,
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Speaker 3: they largely have ended up at the same place. They
10:23
Speaker 3: just do it at different times. So if you're if
10:26
Speaker 3: you're building a portfolio and you accept that, it's like, oh,
10:29
Speaker 3: I could have a little bit smoothed ride of HW
10:30
Speaker 3: diversify bye bye by doing it this way.
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Speaker 2: Is there any you mentioned about the international market and
10:36
Speaker 2: is that something that's expected that some of the news
10:39
Speaker 2: that I've consumed recently. I was listening to a financial
10:42
Speaker 2: podcast was actually originated from the UK, and so they
10:45
Speaker 2: were talking it's interesting to listen to these things sometimes
10:47
Speaker 2: because we get so American centric with how of course
10:51
Speaker 2: I mean, why wouldn't it be. But with the news
10:53
Speaker 2: that we get on that, it's interesting to hear about
10:55
Speaker 2: how other countries deal with like what's going on and
10:57
Speaker 2: financially and stuff like that. And at least according to
11:00
Speaker 2: this program, there's portions of the American sectors that are
11:03
Speaker 2: considered like people are kind of a little hesitant to
11:06
Speaker 2: get back into right now or to get into right now.
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Speaker 3: Well, it's the opposite right now of what has been
11:12
Speaker 3: in that the dollar is weaker. So when the dollar
11:16
Speaker 3: is weaker, you know it, it's opposite of the way
11:21
Speaker 3: it was where you know, corporate earnings back in the
11:26
Speaker 3: foreign country you know now are are more valuable when
11:30
Speaker 3: they transfer that cover so so not only in international stocks,
11:36
Speaker 3: and it makes them more complex. But it's not just
11:40
Speaker 3: the earnings of the company. It's it's also the valuation
11:43
Speaker 3: of the currencies in relation to each other.
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Speaker 2: And that's why when this thing, when it starts getting
11:48
Speaker 2: complicated like this, that's why it's hard for somebody that's
11:50
Speaker 2: a lay person to sit at home and figure out
11:52
Speaker 2: how all these things work. And number one, I mean,
11:53
Speaker 2: if you're getting this far into the weeds, unless this
11:55
Speaker 2: is what you do for a living. You might be
11:56
Speaker 2: a little bit too far into the weeds anyway, I mean, frankly,
11:59
Speaker 2: you know, I mean, this isn't if you're simply planning
12:02
Speaker 2: for your retirement and you want to be able to
12:04
Speaker 2: fund your child's college and retire comfortably and have some
12:07
Speaker 2: end of life savings and different things along those lines.
12:10
Speaker 2: Even this nuance that we're talking about below the surface
12:12
Speaker 2: right now really doesn't matter a whole lot.
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Speaker 1: No.
12:14
Speaker 3: No, the good news is the vast majority of people
12:17
Speaker 3: now inside therefore it and K's at least, are participating
12:22
Speaker 3: in retirement date funds or age based funds that do
12:26
Speaker 3: a lot of that for you. And that's better than
12:29
Speaker 3: it used to be. Those have have really come about
12:32
Speaker 3: in the last decade or so, and a large portion
12:36
Speaker 3: of retirement savings are in those type of funds. But
12:40
Speaker 3: if you're out there managing your own and and just
12:44
Speaker 3: simply chasing the returns of the previous year, you know,
12:49
Speaker 3: you are inviting and I don't know when, but you
12:52
Speaker 3: are inviting excess volatility, and you're adding risk to your
12:56
Speaker 3: portfolio when you you know when you do that, and
13:01
Speaker 3: you might look like a genius for a while, but eventually,
13:06
Speaker 3: as the cycles turn and if you're not nimble, you
13:08
Speaker 3: know you're gonna feel that.
13:10
Speaker 2: I've been virtually retired off of social media for a
13:13
Speaker 2: while now. I don't get on there a whole lot
13:14
Speaker 2: except for stuff that I need to do for work.
13:16
Speaker 2: But I stumbled across a thread the other day. And
13:18
Speaker 2: this just comes up every once or quite often when
13:20
Speaker 2: we're talking. We talk about, you know, people with a
13:22
Speaker 2: get rich quick schemes and stuff like that. But the
13:25
Speaker 2: account that I ran across it was called like rip
13:28
Speaker 2: wealth or I can't remember what it was, but basically
13:30
Speaker 2: what it was it was It wasn't even full videos
13:32
Speaker 2: because they didn't exist anymore. It was screenshots of influencers
13:35
Speaker 2: with like their particular niche scam that was like kind
13:39
Speaker 2: of caption below at this guy believed in, you know,
13:40
Speaker 2: whatever it might be, and to show a picture of
13:42
Speaker 2: him like frothing at the mouth in front of his
13:44
Speaker 2: YouTube video or whatever it was, and then it would
13:47
Speaker 2: be a link to their channel. And every single one
13:48
Speaker 2: of these people linked back to their channels were gone, right,
13:51
Speaker 2: And so the whole point of this thing is that
13:52
Speaker 2: the all of these people were at some point within
13:54
Speaker 2: the last couple of years influencers that had decent followers
13:57
Speaker 2: that were like this is how you get in there,
13:58
Speaker 2: Like they just disappeared, and it reminds me of what
14:02
Speaker 2: I was reading. It was basically a critique of like
14:07
Speaker 2: the self help industry, and the critique is basically, the
14:10
Speaker 2: self help industry exists for people to create other self
14:14
Speaker 2: help books and to go in speaking circuits and then
14:16
Speaker 2: to create other people. They go in speaking circuits and
14:18
Speaker 2: to create they don't actually help anybody.
14:20
Speaker 3: It's like grimlins. They keep multiplying.
14:22
Speaker 2: But those things sometimes that that's kind of president because
14:25
Speaker 2: we get kind of tricked by the story and forget
14:28
Speaker 2: like what the meat they were really going for, right.
14:30
Speaker 3: Right, And so you know, looking into this year, I
14:33
Speaker 3: think that is something that especially the way the markets
14:37
Speaker 3: performed last year, or to look at your allocations if
14:40
Speaker 3: you're managing to make sure you diversify that going into
14:44
Speaker 3: this year, we also have interest rates are expected to
14:48
Speaker 3: continue to fall, So if you have excess cash on
14:51
Speaker 3: the sideline, it might be a good time to take
14:54
Speaker 3: the cash outside your emergency fund. If you're not comfortable
14:58
Speaker 3: putting into the stock market, many other areas that you
15:01
Speaker 3: can invest that to try to get a little more
15:03
Speaker 3: return and try to lock it in for a little
15:05
Speaker 3: longer periods of time, so if if rates fall, you're
15:08
Speaker 3: securing a little better interest rate by doing that sooner
15:13
Speaker 3: rather than later. That's something that you know, there's a
15:17
Speaker 3: lot of cash on the sideline and cash right now.
15:20
Speaker 3: You know, it's still paying better than it was four
15:22
Speaker 3: or five years ago, but it is declining again, and
15:28
Speaker 3: I think that a lot of people are leaving pretty
15:31
Speaker 3: easy returns on the table by keeping that excess cash
15:35
Speaker 3: just simply in a money market account.
15:37
Speaker 2: Last week, I was filling in for Dave Allen and
15:39
Speaker 2: had an opportunity to talk to rest of the realtor
15:41
Speaker 2: for a little while about some of the trends in
15:44
Speaker 2: the Canall Valley and things that are going on around here.
15:46
Speaker 2: And we've talked about I've painted it in my situation before,
15:51
Speaker 2: but really there's a ton of people that are coming
15:54
Speaker 2: up to this situation where they may find themselves where
15:57
Speaker 2: they have to get into a bigger house. You know,
15:59
Speaker 2: they're like, Okay, look, we've been waiting forever. Interest rates
16:02
Speaker 2: aren't going to like bottom out suddenly overnight. We have
16:04
Speaker 2: to With my family that's in tow we have to
16:06
Speaker 2: figure out what we're doing there. If somebody is coming
16:08
Speaker 2: upon those stages and you know they're at a point
16:11
Speaker 2: where they know they need a bigger home, they're going
16:13
Speaker 2: to have to make lifestyle changes in order to be
16:14
Speaker 2: able to afford that bigger home. That's obviously a great
16:17
Speaker 2: opportunity for one thing, to talk to your financial advisor,
16:20
Speaker 2: because that's something that you could really help with. If
16:23
Speaker 2: somebody's i won't say struggling. Obviously, if you're struggling too much,
16:26
Speaker 2: you probably can't do it. But if you can see
16:28
Speaker 2: it on the horizon and you're just trying to figure
16:29
Speaker 2: out how to get there, Like I need to be
16:31
Speaker 2: able to save this much, I need to be able
16:32
Speaker 2: to do this, I need this much of a down
16:33
Speaker 2: payment before August or whatever it might be. That's exactly
16:36
Speaker 2: the type of thing that you can help with to
16:38
Speaker 2: help somebody modify, give some ideas for their lifestyle, to
16:42
Speaker 2: show them how to maybe look at some of the
16:44
Speaker 2: leaky budget aspects and things like that so they can
16:46
Speaker 2: achieve that goal. I mean, that's really what it's all about.
16:48
Speaker 2: It's a step of goals, absolutely, and depending on where
16:51
Speaker 2: you have that down payment money that you've been saving.
16:55
Speaker 2: You know, is it in the right type of investment?
16:57
Speaker 2: You know, it shouldn't be in the stock market if
16:59
Speaker 2: you're going to make it down payment six months from now,
17:01
Speaker 2: because unless you have a crystal ball, which I don't,
17:05
Speaker 2: maybe you do, I don't, but there's no way of
17:08
Speaker 2: knowing where what's going to happen in the next six months.
17:11
Speaker 2: So this is literally something you could lock something in
17:13
Speaker 2: if you know that it's going to be summer before
17:14
Speaker 2: you want to make a move. You could do something
17:16
Speaker 2: now to make a little interest.
17:17
Speaker 3: On CDs, short term bonds, things like that that will
17:21
Speaker 3: have a maturity date at the time that you need
17:24
Speaker 3: the money. You're going to most likely be able to
17:26
Speaker 3: get a little more return than you are in your
17:29
Speaker 3: money markets. But then you're also securing the money being
17:34
Speaker 3: liquid at the right time. And that's what really with
17:38
Speaker 3: financial planning, I mean, that's what you're trying to do.
17:41
Speaker 3: What are your goals? You know, most people in their
17:43
Speaker 3: lives have multiple goals. You know, you have a goal
17:46
Speaker 3: of retirement. You might have a goal of putting a
17:48
Speaker 3: down payment on a house. You might have a goal
17:51
Speaker 3: of paying for a child's education. Those have different time
17:55
Speaker 3: horizons and require different types of investment tools to make
18:00
Speaker 3: sure that that money is being used prudently, prudently, alligated
18:03
Speaker 3: prudently to you know, have a little liquidity when it's
18:08
Speaker 3: necessary within your financial life.
18:11
Speaker 2: And I think that that even that little nuance there
18:15
Speaker 2: could really throw a wrench in the works for a
18:17
Speaker 2: lot of people because if you have if you sort
18:19
Speaker 2: of vaguely think and I want to make a move
18:20
Speaker 2: at some point in time, and you have your funds
18:22
Speaker 2: tied up, or suddenly you're short on funds that you
18:24
Speaker 2: need and you have to tap into some funds that
18:26
Speaker 2: maybe you're paying penalties on it or some other problem
18:29
Speaker 2: with it. I mean, you could trick yourself into an
18:30
Speaker 2: issue there. So it really would be a good idea
18:33
Speaker 2: to sit down with somebody for planning the situation, land
18:36
Speaker 2: it all out in front of you, and then creating
18:38
Speaker 2: that roadmap, and with that roadmap, with the help of
18:41
Speaker 2: a professional, it really makes it a lot easier to get.
18:43
Speaker 3: There right because there are you know, I see it
18:45
Speaker 3: on both sides that there are extremes on both sides.
18:47
Speaker 3: You know, some folks are so conservative they get no
18:50
Speaker 3: return at all, very little return because of all the
18:54
Speaker 3: what ifs that are that are out there, and then
18:57
Speaker 3: other people have no liquid cash, no emergency funds. They
19:02
Speaker 3: just believe in getting the highest return possible. Well that
19:07
Speaker 3: that's fine unless you happen to need the money at
19:09
Speaker 3: the wrong time, you know. So having some balance between
19:14
Speaker 3: those two extremes really is how you should should be planning.
19:18
Speaker 3: You should be identifying the important goals that you have
19:22
Speaker 3: and then crafting the plan around that. And it's not
19:25
Speaker 3: always just retirement, and it's not always I need the
19:28
Speaker 3: greatest return you know in the world. I mean, sometimes
19:33
Speaker 3: you're going to give up return to have liquidity at
19:37
Speaker 3: the time you need it. And that's that's what a
19:40
Speaker 3: was person would do.
19:43
Speaker 2: It makes a lot of sense, and there's ways that
19:45
Speaker 2: you can do it as well. If that seems like
19:47
Speaker 2: something that you that you struggle with a little bet,
19:49
Speaker 2: or you need a little help in getting through, or
19:51
Speaker 2: just in general you want some some advisement in your life,
19:54
Speaker 2: that's where Fourth Avenue Financial and Genre Deck can help
19:56
Speaker 2: you out. You give us a call this morning. Threes
19:57
Speaker 2: are four, three, four, five, fifty eight, fifty eight. If
19:58
Speaker 2: you want some advice from John Bredead, or have some
20:01
Speaker 2: questions or for yourself or a loved one. You know
20:03
Speaker 2: lots of conversations over the holidays. Maybe you heard a
20:05
Speaker 2: loved one that was in a complicated situation. You want
20:08
Speaker 2: to try to help them out a little bit and
20:09
Speaker 2: ask some questions. You're welcome to go us to call
20:11
Speaker 2: this morning three zero four three four five fifty to
20:12
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20:18
Speaker 2: zero four non nine three I see your text. We're
20:20
Speaker 2: going to go ahead and take a break now. We'll
20:21
Speaker 2: come back and address your text when we come back.
20:23
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20:25
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20:27
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20:31
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20:33
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20:36
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20:38
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20:44
Speaker 2: back right after this. This is retire Right Radio. That's
20:46
Speaker 2: John Bredett. I'm Dell Cooper on five ADWCHS, the voice
20:49
Speaker 2: of Charleston.
20:50
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22:43
Speaker 1: This is retire Right Radio with John Burdett from Fourth
22:47
Speaker 1: Avenue Financial taking your calls at three oh four three
22:50
Speaker 1: four five fifty eight fifty eight or texts on three
22:54
Speaker 1: oh four nine three five fifty oh eight.
23:06
Speaker 2: It is fifteen minutes of the top of the hour.
23:08
Speaker 2: You're listening super sorry Right Radio. Bob ANYWCCHS the Voice
23:11
Speaker 2: of Charleston ticked so much poor tuning in on this
23:14
Speaker 2: uh this Monday morning. You made it through the weekend.
23:16
Speaker 2: It is uh the first uh, the first Monday of
23:19
Speaker 2: twenty twenty six in John Burdett is in studio with us.
23:22
Speaker 2: You can give us a question this morning. You have
23:23
Speaker 2: a question for John. You can give us a call
23:25
Speaker 2: three z or A four three four five fifty to
23:26
Speaker 2: fifty eight. You can text threes are A four non
23:27
Speaker 2: three five five years or eight. We have a text message.
23:29
Speaker 2: We're gonna get to into some a moment. But one
23:31
Speaker 2: of the things that we wanted to make sure that
23:32
Speaker 2: we uh not that people you know, change jobs at
23:36
Speaker 2: the beginning of the year. But this is just a
23:37
Speaker 2: good time to be thinking about these things. We've had
23:39
Speaker 2: this conversation before, but it's really important. If you've worked
23:43
Speaker 2: multiple jobs or have had different situations, there's a potential
23:46
Speaker 2: that you have accounts out there that you've just abandoned,
23:50
Speaker 2: that you haven't that you've forgot about even, or that
23:53
Speaker 2: you know is there and you didn't think that there
23:54
Speaker 2: was much that you could do with it, And then
23:56
Speaker 2: you can, though you have to you have to be
23:57
Speaker 2: aware of these things.
23:58
Speaker 3: Absolutely you can consul holidate those and to an IRA
24:01
Speaker 3: that certainly I can help you with. You know, smaller
24:04
Speaker 3: accounts that are out there. If you have a job
24:06
Speaker 3: that has a for a one K, most of those
24:08
Speaker 3: will accept even those deposits, so you can consolidate. You know,
24:12
Speaker 3: having your money in a place that you're aware of
24:17
Speaker 3: it and it's being managed properly is ultimately what you want.
24:22
Speaker 3: If you have a bunch of different accounts out there,
24:25
Speaker 3: all doing their own thing and not really working towards
24:27
Speaker 3: a common goal, you're not going to get as far
24:31
Speaker 3: and or if you do, it's just going to be
24:33
Speaker 3: you know, dumb luck essentially, which you know, I'd hate
24:38
Speaker 3: to base my future on dumb luck. You know, take
24:41
Speaker 3: a little bit of control over it, and you know,
24:44
Speaker 3: consolidating it's much easier to manage. You've got less places
24:48
Speaker 3: to log in to track it and make changes. It's
24:51
Speaker 3: easier to allocate. When you get to retirement, taking distributions
24:57
Speaker 3: are much easier if they're consolidated.
25:00
Speaker 2: Makes sense.
25:00
Speaker 3: Yeah, you're not taking little bits out of four or
25:03
Speaker 3: five different pools of money. When you become at age
25:09
Speaker 3: seventy three and you have to do your required minimum
25:11
Speaker 3: distributions from those accounts that the government requires, it's based
25:16
Speaker 3: on the December thirty first values. Well, you're going to
25:20
Speaker 3: have to go back to every account and calculate that
25:23
Speaker 3: distribution to make sure that you're meeting the you know,
25:26
Speaker 3: the required amount. It's very difficult to track all of
25:32
Speaker 3: that down if it's in If it's in one account,
25:35
Speaker 3: it's much much easier to manage.
25:37
Speaker 2: I can't help but to think that years ago, in
25:39
Speaker 2: the late nineties, I had I've been working in the
25:42
Speaker 2: mortgage industry for a long time, or not for a
25:44
Speaker 2: long time, for a few years, but it was during
25:45
Speaker 2: the best years of the mortgag industry, made a decent
25:47
Speaker 2: amount of money, had a had a four to one
25:49
Speaker 2: K through my employer at that time that it was
25:52
Speaker 2: a little harder to to send funds in there. I
25:56
Speaker 2: think you had to do it through your bankers, and
25:57
Speaker 2: I can't remember you split it off a different way,
25:59
Speaker 2: like your bank under the four one K or something.
26:01
Speaker 2: I think like I think it was like an automatic distribution,
26:04
Speaker 2: like it would send it to instead they'd take it
26:05
Speaker 2: out of your paycheck they sent it. I can't remember
26:07
Speaker 2: exactly how it worked. I could even be wrong because
26:09
Speaker 2: it was a long time ago. But the one thing
26:10
Speaker 2: that I that I do remember is when I when
26:13
Speaker 2: I changed jobs, I went through I mean, it was
26:17
Speaker 2: and it makes sense now in retrospect. It's like, the
26:19
Speaker 2: reason it was so hard to do this is because
26:20
Speaker 2: there's better ways to do it. But but I was
26:23
Speaker 2: an idiot. I was like in I was in my
26:25
Speaker 2: late twenties, and I had just made a decent amount
26:27
Speaker 2: of money, and I had like eight to ten thousand
26:29
Speaker 2: dollars or something and in a four to one K
26:31
Speaker 2: account that I'd built up over a few over a
26:33
Speaker 2: few years in the mortgage industry. Not a ton of money.
26:35
Speaker 2: But I was in my twenties and and uh, and
26:38
Speaker 2: I didn't even need the money at the time I was.
26:40
Speaker 2: I had I was flushed with cash at the time
26:42
Speaker 2: and I was switching jobs, but I thought I had
26:44
Speaker 2: to be cause I thought that nobody told me differently.
26:46
Speaker 2: I thought this uh four to one K that I
26:48
Speaker 2: had was attached to my my job. And so I
26:51
Speaker 2: spent literally a whole week figuring out how to get
26:53
Speaker 2: that money out, paid all kinds of penalties for it
26:57
Speaker 2: and everything else. And man, I was so mad at
26:58
Speaker 2: the government when I got down, I was like, man,
27:00
Speaker 2: why they take all this money and why do they
27:02
Speaker 2: It ended up I was just an idiot, Like there
27:03
Speaker 2: were ways that I could have done this right.
27:05
Speaker 3: You know, at that age, you not only did you
27:07
Speaker 3: pay taxes, but you paid a ten percent penalty.
27:10
Speaker 2: Yes I did.
27:11
Speaker 3: You're not fifty nine and a half when you're twenty five,
27:14
Speaker 3: so so that's not retirement age. So uh, there are
27:18
Speaker 3: a lot of folks out there who do that. You know,
27:20
Speaker 3: if you switch jobs, you might think, well, that's only
27:24
Speaker 3: a few thousand dollars. Well, that few thousand dollars when
27:27
Speaker 3: you're twenty some years old can be tens of thousands
27:30
Speaker 3: of dollars by the time you reach retirement. And so
27:33
Speaker 3: those little decisions of saying, well, I'll just cash that out.
27:36
Speaker 2: Who knows what that money would be today.
27:38
Speaker 3: Rather than rolling it over it. Yeah, I don't want
27:40
Speaker 3: to put salt in the wound. But uh, but but
27:44
Speaker 3: but you really did mess up.
27:45
Speaker 2: I didn't even need it. I didn't need it. I
27:48
Speaker 2: just wasted it.
27:49
Speaker 3: But you know, those are the types of things that
27:53
Speaker 3: when you talk about being successful financially, you know you
27:57
Speaker 3: want to you want to explore and under stand those things.
28:01
Speaker 3: And if you're not going to do it, you need
28:03
Speaker 3: to call somebody that can help you walk through that,
28:06
Speaker 3: because just one of those little misturns can mean tens
28:12
Speaker 3: of thousands of dollars or more in retirement.
28:15
Speaker 2: Not to be dramatic, but that could be if if
28:16
Speaker 2: I would have been solvent about that, left it there,
28:19
Speaker 2: done the right thing with it, had somebody like John
28:21
Speaker 2: Burdett to be like, hey, idiot, this is why you
28:24
Speaker 2: needed to with these funds. Instead, that ten thousand dollars
28:29
Speaker 2: twenty five years later would be a lot better off
28:31
Speaker 2: than whatever I spent it one back then. Yeah, yeah,
28:34
Speaker 2: there's no question about that. Yeah.
28:35
Speaker 3: Yeah, well, after you got over the iristing, I mean,
28:38
Speaker 3: it might have been fun for a period of time,
28:40
Speaker 3: but I bet it leaked away.
28:41
Speaker 2: Yeah, Well I didn't need it. I don't even know
28:43
Speaker 2: where it went. I had money, I didn't need it.
28:44
Speaker 2: I just thought I had to take it with it.
28:46
Speaker 2: It was terrible. So anyway, think about it out there,
28:48
Speaker 2: if you've switched jobs, if you have a little account somewhere,
28:50
Speaker 2: you have no idea what that thing could have been doing.
28:52
Speaker 2: You know, if you didn't go through all the heck
28:54
Speaker 2: that I went through to rob from yourself and to
28:57
Speaker 2: unwind that thing, then you might have some funds out there,
28:59
Speaker 2: some old pen accounts or some old investment accounts or
29:02
Speaker 2: something like that that you need to be aware of
29:04
Speaker 2: and bring them into one house. You bring him into
29:05
Speaker 2: one house, and then you can manage those things a
29:07
Speaker 2: little bit easier down the line. And John Myer, dad
29:08
Speaker 2: at Fourth Avenue Financial, could help you do that. You
29:11
Speaker 2: can find out more information online at Fourth Avenue Financial
29:13
Speaker 2: dot com. I'll give his phone number out in just
29:15
Speaker 2: a second. But before we get to that, we did
29:17
Speaker 2: have a text message that came in and we appreciate that.
29:19
Speaker 2: You can send us over text questions if you have them.
29:21
Speaker 2: Three zero four nine three five five zero zero eight.
29:23
Speaker 2: This comes from the three zero four nine nine three
29:25
Speaker 2: Happy New Year. I have a small company retirement side hustle.
29:28
Speaker 2: I have about fifteen thousand dollars in my business checking account,
29:31
Speaker 2: and my sales exceed my business expenses monthly. Any suggestion
29:35
Speaker 2: on what I should do with this excess cash that
29:37
Speaker 2: would obviously make more than the standard checking account. I
29:40
Speaker 2: have a pension, but I'm not opposed to saving more.
29:43
Speaker 3: Thanks, Okay, Well, I mean there's some nuance there. We'd
29:47
Speaker 3: have to figure out to know what is and is
29:49
Speaker 3: not possible. But when you have a we messed. That's
29:53
Speaker 3: a side hustle that probably means self employed. You're you're
30:01
Speaker 3: able to do several types of things for retirement. If
30:05
Speaker 3: you want to put it in retirement, you might do
30:07
Speaker 3: a sep ira, you might do a traditional ira, depending
30:11
Speaker 3: on the amount that you're wanting to save. You know,
30:14
Speaker 3: in this case of fifteen thousand dollars, it's unclear if
30:17
Speaker 3: that's the amount of cash on hand or if that
30:21
Speaker 3: is the amount that you know he would like to
30:24
Speaker 3: be investing regularly. You know, if it's cash on hand,
30:29
Speaker 3: you need to be clear first how much of this
30:32
Speaker 3: needs to be liquid for my business purposes. You know,
30:38
Speaker 3: it sounds like right now he's had a pretty good
30:40
Speaker 3: run of profitability. But what happens if there is another
30:45
Speaker 3: stretch where oh, now I'm you know, funding this for
30:51
Speaker 3: one thousand dollars a month for six months while I
30:53
Speaker 3: get through this this this issue in the business, that
30:56
Speaker 3: can happen, you know, So you should have some emergency
30:59
Speaker 3: fund before you do the investment. But being self employed
31:03
Speaker 3: gives you a lot of options for retirement. And sometimes
31:08
Speaker 3: it's as simple as as funding an IRA, which you
31:12
Speaker 3: can easily do. But if you want to fund it
31:14
Speaker 3: beyond the seven thousand dollars that the IRA allows, you know,
31:19
Speaker 3: there are just options we would have to explore. And
31:23
Speaker 3: the structure of your business, you know, is it a
31:25
Speaker 3: sole proprietorship, have you have you incorporated it that sort
31:30
Speaker 3: of thing. We'd have to look at that to find
31:32
Speaker 3: out the right type of plan. But certainly, if that
31:35
Speaker 3: is extra money and it's not needed in the short run,
31:40
Speaker 3: having it put to work and having it put to
31:43
Speaker 3: work in a tax advantage manner would be a good idea.
31:49
Speaker 2: It seems like that. I mean, it's nice to have
31:51
Speaker 2: the receipts that eclipses your expenses right right away, man,
31:54
Speaker 2: I mean, that is a great position to be in,
31:56
Speaker 2: as a small business owner. So if you're able to,
31:58
Speaker 2: like John said, pivot that what man, what a what A?
32:01
Speaker 2: How much power is that for you? Because that's that's
32:03
Speaker 2: pretty good.
32:04
Speaker 3: And a lot of times the you know, folks that
32:05
Speaker 3: are self employed or doing the side hustles and things
32:08
Speaker 3: like that, don't really think about those long term implications
32:17
Speaker 3: of should I be saving this? You know, you put
32:19
Speaker 3: a lot of effort in the establishing a business and
32:22
Speaker 3: you think about everything else and everyone else when you're
32:26
Speaker 3: doing that. You're dedicating all your time and you're trying
32:29
Speaker 3: to serve your customers and you're trying to make all
32:33
Speaker 3: the ends meet at the same time. But at some point,
32:36
Speaker 3: you know you need to take care of yourself a
32:37
Speaker 3: little bit too, and you can do that through tax
32:41
Speaker 3: advantage ways that as a as a self employed person
32:45
Speaker 3: that an individual working a traditional job may not be
32:48
Speaker 3: able to do.
32:49
Speaker 2: Have questions for John and have some follow up for that,
32:51
Speaker 2: you can call him at his office. His numbers three
32:53
Speaker 2: z are four seven four six seven nine seven seven
32:54
Speaker 2: four Fourth Avenue Financial three zerre four seven four six
32:56
Speaker 2: seven one seven seven. I wanted to talk about this
32:58
Speaker 2: just briefly this morning anyway, because one of the things
33:00
Speaker 2: I noticed over the last week is well, mostly this
33:04
Speaker 2: is my wife because she's the one on social media still,
33:06
Speaker 2: but she sent me tons of new menus for new restaurants.
33:10
Speaker 2: I don't know why, like like suddenly it's the new
33:12
Speaker 2: year and people are opening up business. I guess there
33:14
Speaker 2: might be some tax reason for that. But suddenly, like
33:16
Speaker 2: all these new restaurants again are popping up all around town,
33:18
Speaker 2: which is great, nothing wrong with that. Always like having
33:20
Speaker 2: a robust community of small business owners here, But that
33:24
Speaker 2: always makes me think a little bit because I used
33:26
Speaker 2: to own a brick and mortar business and was not
33:28
Speaker 2: prepared for my retirement life. You know, I learned a
33:31
Speaker 2: little bit there, and there was a lot of mistakes
33:33
Speaker 2: that I made during that time as well as a
33:36
Speaker 2: small business owner. And that's something that you can be
33:39
Speaker 2: aware of and that you should be aware of if
33:41
Speaker 2: you're if you're even as a side hustle like our
33:43
Speaker 2: textra have, if you're if you're launching your own new
33:45
Speaker 2: business whatever it might be, or even if you're a
33:48
Speaker 2: gig worker and you have, you know, tons of different
33:50
Speaker 2: income streams and tips and things are involved. I heard
33:53
Speaker 2: a conversation it was just before Christmas, I think between
33:57
Speaker 2: a couple of friends of mine, acquaintances of mine, and
34:00
Speaker 2: and there was a general amount of shock that one
34:02
Speaker 2: of my acquaintances who was that worked as a server,
34:06
Speaker 2: actually gathered their tips and would invest those. They would
34:10
Speaker 2: they would they take a portion of their money and say, yeah,
34:11
Speaker 2: I mean that's part of my investment. I mean if
34:13
Speaker 2: I if I'm going to do fifteen or twenty whatever
34:15
Speaker 2: their amount was, that's going to be my tips too.
34:17
Speaker 2: I can't like, that's that's my wages. How can I
34:19
Speaker 2: not include that in there? And there are people that
34:21
Speaker 2: were a little bit scandalized. You take your cash and
34:23
Speaker 2: you take that you and you, and to me, I
34:25
Speaker 2: was like, well, that's somebody that understands what they're doing there,
34:28
Speaker 2: because that is part of their income. I mean, you
34:30
Speaker 2: only make pennies as a as a server. Sure, so
34:32
Speaker 2: if you're only putting away twenty percent of that, you're
34:34
Speaker 2: not putting away anything. You have to include your tips
34:36
Speaker 2: in that.
34:37
Speaker 3: Absolutely, absolutely, and a little amounts add up over time
34:42
Speaker 3: if you're dedicated to it and do it with purpose.
34:45
Speaker 3: You know, money is one of those things that it's
34:49
Speaker 3: kind of an enigma to a lot of folks. But
34:51
Speaker 3: the reality is you're the boss of it. You get
34:54
Speaker 3: to tell it what to do, and if you don't
34:57
Speaker 3: it it does its own thing, which sometimes it's not
35:01
Speaker 3: you know, it doesn't end up where you want it
35:04
Speaker 3: to be. But you are fully in control. You can
35:08
Speaker 3: make those decisions and tell that money what to do.
35:11
Speaker 3: Make it work for you. You know, you don't just work
35:15
Speaker 3: for money. It works for you. It's a tool and
35:19
Speaker 3: you need to use it properly, and and sometimes it's
35:23
Speaker 3: just little things over long periods of time. Most time
35:26
Speaker 3: it's that way. Little things over a long period of time,
35:29
Speaker 3: you know, can change the whole scope of your future.
35:33
Speaker 2: And you've got to apply all the tools that can
35:35
Speaker 2: work for you. If you're like me, you do have
35:38
Speaker 2: potentially have a four oh one k that you have
35:40
Speaker 2: for your work, and you might load up that dashboard
35:42
Speaker 2: and think I have all the control in the world.
35:43
Speaker 2: But that's just data and figures that it's feeding back
35:46
Speaker 2: to you. That's not telling you how to do a
35:48
Speaker 2: debt snowball to get debt free so you can so
35:51
Speaker 2: you can start investing more money. It's not telling you
35:52
Speaker 2: where your money might be smartest that it's not telling
35:54
Speaker 2: you where your most tax advantages could be. There's a
35:57
Speaker 2: lot that you could be missing out on if you're
35:59
Speaker 2: just kind of say it and forgetting it. As good
36:01
Speaker 2: as the service might be and as as flashy and
36:04
Speaker 2: new and how much AI tells you that you're doing
36:06
Speaker 2: great or whatever it might be with it, it probably
36:08
Speaker 2: wouldn't be a bad idea to get a human involved
36:10
Speaker 2: with it that's really a professional and something like this,
36:13
Speaker 2: and to just get some direction in what you're doing
36:15
Speaker 2: to make sure that your goals are lined up, because
36:17
Speaker 2: a little bit, like you said, a little bit goes
36:19
Speaker 2: a long way. And if you can find ways to
36:22
Speaker 2: plug some leaky leaky funds, make put money to work
36:25
Speaker 2: for you a little bit more, get a little bit
36:26
Speaker 2: more focus on exactly it's what you want to do.
36:28
Speaker 2: Can make your life a lot easier in the long term.
36:30
Speaker 3: Yeah, no doubt about it. And also having working with
36:34
Speaker 3: the financial advisor, you also have somewhat of an accountability partner.
36:40
Speaker 3: You know, everybody that you're checking in with a few
36:42
Speaker 3: times a year to make sure you're on track. You
36:45
Speaker 3: know somebody that you know will revisit the things that
36:49
Speaker 3: are important in your financial life on a regular schedule
36:52
Speaker 3: just to make sure you're moving in the right direction.
36:55
Speaker 2: It's like having a trainer, you know, like somebody that
36:57
Speaker 2: helps you when you're working out or whatever.
36:58
Speaker 3: And there again, that doesn't mean that you don't have
37:01
Speaker 3: when you work with Advisor, you don't have control of
37:03
Speaker 3: your money or your life. You certainly do. It's your
37:05
Speaker 3: money and it's and it's your life. But if you
37:08
Speaker 3: want to achieve certain things, you know, having that that
37:11
Speaker 3: process and somebody watching it over, you're most likely going
37:16
Speaker 3: to get better results. That's just the fact.
37:18
Speaker 2: Well, happy twenty twenty six everyone, And I think that
37:21
Speaker 2: John always brings a great service to the radio here
37:23
Speaker 2: and talking about how you can retire right. That's why
37:25
Speaker 2: we call the show retire Right Radio. So you can
37:27
Speaker 2: find out more online. It's Fourth Avenue Financial dot com.
37:30
Speaker 2: Fourth Avenue Financial dot Com where you spell out the
37:32
Speaker 2: whole thing, do the search on Facebook and you can
37:34
Speaker 2: like the page over there as well to be kept
37:36
Speaker 2: up to date with all the things going on with
37:37
Speaker 2: Fourth Avenue Financial, breaking news in the financial financial industry
37:40
Speaker 2: and so forth. And then more than anything, you can
37:43
Speaker 2: give John a call three zero four three four six
37:44
Speaker 2: seven doine seven seven three zero four three four six
37:47
Speaker 2: seven non seven seven located one seventy Court Street right
37:49
Speaker 2: here in downtown Charleston, across from the town Center Mall
37:52
Speaker 2: or town Center Building build Threes are A four seven
37:55
Speaker 2: four six seven doin seven seven threes are A four
37:57
Speaker 2: seven four six seven doine seven seven. John, thanks a
37:59
Speaker 2: lot of appreciate it man. Happy New Year, Sure, Happy
38:01
Speaker 2: New Year.
38:01
Speaker 3: Take care.
38:02
Speaker 2: Talk to you next week. Every week Retire Right Radio
38:04
Speaker 2: at eight twenty Right here on five d w c HS,
38:06
Speaker 2: the Voice of Charleston on Monday mornings. Have a great
38:08
Speaker 2: day everyone. Dave Alan is up next on five D
38:11
Speaker 2: Love and I'll be back this afternoon at three oh
38:12
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38:15
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38:26
Speaker 1: W c HS A l W two four three d
38:29
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38:31
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