Latest / WCHS Network Podcasts / 08/31/2026 Retire Right Radio with John Burdette

Transcript

08/31/2026 Retire Right Radio with John Burdette · WCHS Network Podcasts

• 0:00
  Speaker 1: This program does not necessarily reflect the views and opinions
• 0:02
  Speaker 1: of 580 WCHS, its employees, or WVRC Media.
• 0:08
  Speaker 2: Retire Right Radio is on the air. John Burdett from
• 0:12
  Speaker 2: 4th Avenue Financial is here each week to answer your
• 0:15
  Speaker 2: questions about financial planning, investing, and building the retirement you deserve.
• 0:21
  Speaker 2: Find 4th Avenue Financial in downtown Charleston at 170 Court
• 0:25
  Speaker 2: Street or online at 4thAvenueFinancial. com. Call 304-345-5858 or text 304-935-5008
• 0:35
  Speaker 2: to join the conversation. Now, let's go live to the
• 0:40
  Speaker 2: studio with John Burdett.
• 0:43
  Speaker 3: Happy good morning, everyone. You are listening to Retire Right Radio,
• 0:46
  Speaker 3: 1580 WCHS, the voice of Charleston. I'm Dale Cooper. John
• 0:49
  Speaker 3: Burdett is in studio with us this morning, and he'll
• 0:51
  Speaker 3: be taking your phone calls, your texts, any questions you
• 0:53
  Speaker 3: have about the market as it stands right now. Things are...
• 0:57
  Speaker 3: Things are where they are. So if you have any
• 1:00
  Speaker 3: questions about where you may be and how it pertains
• 1:02
  Speaker 3: to all this, you can give John a call this morning.
• 1:04
  Speaker 3: The number is 304-345-5858.
• 1:08
  Speaker 4: 345-5858.
• 1:08
  Speaker 3: You can text 304-935-5008.
• 1:09
  Speaker 1: 304-935-5008.
• 1:09
  Speaker 3: John, good morning. How are you doing this morning? I'm
• 1:15
  Speaker 3: doing wonderful. Appreciate you coming in this morning and sharing
• 1:18
  Speaker 3: your expertise as the days are getting shorter. That's the
• 1:21
  Speaker 3: one thing that was like sort of the highlight of
• 1:23
  Speaker 3: last week for me that I noticed that the days
• 1:26
  Speaker 3: are getting shorter. I'll have excuse once again to not
• 1:28
  Speaker 3: mow the lawn when I get home at night. So
• 1:31
  Speaker 3: looking forward to daylight sort of hurrying away right now
• 1:34
  Speaker 3: because I feel if I don't go home and do
• 1:36
  Speaker 3: some work right now, I feel kind of bad.
• 1:38
  Speaker 4: I was kind of liking the little bit milder temperatures,
• 1:41
  Speaker 4: but I don't think we're going to get those this week.
• 1:44
  Speaker 3: Yeah, I know. I could feel the heat coming back
• 1:47
  Speaker 3: on a little bit. I mean, officially today we're still
• 1:50
  Speaker 3: in August. I know September is right around the corner,
• 1:52
  Speaker 3: but we shouldn't expect it to be totally autumnal yet.
• 1:56
  Speaker 3: I was doing some driving around this weekend, and you
• 1:58
  Speaker 3: can see the tops of the trees just turning that
• 2:00
  Speaker 3: lighter green color, you know, a little color here and there.
• 2:02
  Speaker 3: Some of the trees in downtown Charleston are starting to
• 2:04
  Speaker 3: drop their leaves just a little bit. So we're right
• 2:06
  Speaker 3: around the corner there. But when it comes to your
• 2:08
  Speaker 3: financial planning, it's always in season, right? It's always the
• 2:11
  Speaker 3: right season for financial planning. And so if you have
• 2:13
  Speaker 3: any questions about how you can plan for your future,
• 2:16
  Speaker 3: how you can plan for your retirement, any questions you
• 2:18
  Speaker 3: have for that, you can give John a call today, 304-345-5858,
• 2:20
  Speaker 3: or text 304-935-5008. We always start off the show by
• 2:25
  Speaker 3: taking a look back at the week that just was,
• 2:27
  Speaker 3: I guess. And last week was a big week. Several
• 2:30
  Speaker 3: different things happened, kind of coinciding with sort of the
• 2:33
  Speaker 3: vibe of the whole thing. Kevin Warsh, the new Fed chair,
• 2:36
  Speaker 3: I think had his first real big moment in Jackson
• 2:39
  Speaker 3: Hole last week. And I don't know if people were
• 2:42
  Speaker 3: super surprised by it, but the Fed is basically holding–
• 2:47
  Speaker 3: basically where they were previously. Yes.
• 2:50
  Speaker 4: You know, the inflation number is still a little higher
• 2:52
  Speaker 4: than they would like. So that's going to be their
• 2:54
  Speaker 4: priority going forward, which probably means rates certainly are not falling.
• 3:01
  Speaker 4: And like you say, this is why, you know, that's
• 3:05
  Speaker 4: what is being said now. But remember, six months ago,
• 3:08
  Speaker 4: it was rate cuts we were talking about.
• 3:10
  Speaker 3: Right, right.
• 3:11
  Speaker 4: And those didn't materialize either. So, you know, these are,
• 3:14
  Speaker 4: you know, it's a moving target. certainly. But one thing
• 3:18
  Speaker 4: that's not moving is your goal to retire.
• 3:21
  Speaker 3: That's right.
• 3:22
  Speaker 4: So you have to really focus on that rather than
• 3:25
  Speaker 4: that month in, month out news cycle. You know, last week,
• 3:31
  Speaker 4: the earnings were good for NVIDIA, which is a big
• 3:36
  Speaker 4: key for the market that the market was looking for
• 3:39
  Speaker 4: to see if there was any weakness in that sector,
• 3:42
  Speaker 4: the AI sector. And Didn't show any weakness for sure.
• 3:47
  Speaker 4: NVIDIA is now– I think I saw it's now– its
• 3:51
  Speaker 4: earnings are 7 percent of the entire S & P
• 3:54
  Speaker 4: 500 earnings.
• 3:56
  Speaker 3: Wow. That's incredible.
• 3:59
  Speaker 4: That's incredible. One company.
• 4:00
  Speaker 3: That's very incredible. Their earnings, I know, drove it right in.
• 4:05
  Speaker 3: And that's what people– like you said, that's what people
• 4:07
  Speaker 3: were looking for for those returns to come in. Let's see.
• 4:11
  Speaker 3: What else was going– I had some notes for last week. Oh,
• 4:13
  Speaker 3: we talked a little bit about it last week but
• 4:14
  Speaker 3: the bond market of course is still somewhat historically high
• 4:18
  Speaker 3: I guess compared to maybe early 20th century, something like that.
• 4:23
  Speaker 4: You know, really, I mean if you look back over
• 4:25
  Speaker 4: a long period of time, interest rates versus inflation and
• 4:30
  Speaker 4: the economic growth are really normal. It was more abnormal
• 4:36
  Speaker 4: what we had the last five, six, seven years. I
• 4:42
  Speaker 4: think that's– it's really just something to talk about to
• 4:46
  Speaker 4: be honest with you. There were some headlines made when
• 4:51
  Speaker 4: the US debt went over the $ 40 trillion mark and
• 4:54
  Speaker 4: that It caused a lot of people to write articles.
• 5:00
  Speaker 4: And that was a huge story for like 24 hours. Right.
• 5:03
  Speaker 3: Just amazing how serious people are. There are financial hawks
• 5:06
  Speaker 3: out there looking to do something about our debt. It
• 5:08
  Speaker 3: was a real serious story for 24 hours. People were
• 5:11
  Speaker 3: really in on it. Yeah, yeah.
• 5:13
  Speaker 4: So, you know, these things, are they issues? Sure, they're issues,
• 5:17
  Speaker 4: but they're issues that will be around. They'll come and go.
• 5:21
  Speaker 4: And like I said, you still have to plan for retirement.
• 5:24
  Speaker 4: You still have to take the initiative to do those
• 5:26
  Speaker 4: things for yourself. And the chips across the world that
• 5:32
  Speaker 4: we don't control will fall where they fall. And that's
• 5:35
  Speaker 4: just the way it is. You know, oil prices this
• 5:38
  Speaker 4: morning are up because there was the, I guess the U.S.
• 5:44
  Speaker 4: attacked some rocket launchers on some island over there in Iran.
• 5:50
  Speaker 4: Oil prices spiked up. You know, what will Iran do
• 5:53
  Speaker 4: now for retaliation? We're not going to be talking about
• 5:56
  Speaker 4: those things when You get down towards retirement down the
• 6:00
  Speaker 4: road or even if you're in retirement, you're not going
• 6:03
  Speaker 4: to think about that long term. Those are just things
• 6:08
  Speaker 4: that happen over time.
• 6:09
  Speaker 3: Hopefully in 15 or 20 years, nobody will remember these
• 6:12
  Speaker 3: weird weekends of Friday and Sunday announcements where it just
• 6:16
  Speaker 3: like– it's been going on for months and months and
• 6:19
  Speaker 3: months now where like you land the plane going into
• 6:22
  Speaker 3: the weekend and then you crash the thing on Sunday.
• 6:25
  Speaker 3: It's becoming a trend.
• 6:28
  Speaker 1: Well, and I'm.
• 6:28
  Speaker 4: Sure 15, 20 years from now, there will still be
• 6:31
  Speaker 4: some weird weekends, but they'll be about different things.
• 6:34
  Speaker 3: Different ones. Yeah, different things. Let me ask you a question.
• 6:36
  Speaker 3: I found that I always like to kind of ask
• 6:38
  Speaker 3: you a question about stuff that I see online about people,
• 6:41
  Speaker 3: you know, TikTok brained or whatever it might be with
• 6:44
  Speaker 3: different things that they have. So I saw this commentary
• 6:46
  Speaker 3: this weekend, and then a bunch of people started commenting
• 6:49
  Speaker 3: on it. So this commentator said, how much of the
• 6:51
  Speaker 3: economy is stuff like NVIDIA, who gave billions to OpenAI
• 6:55
  Speaker 3: in contract to buy chips from NVIDIA in a few
• 6:58
  Speaker 3: years that aren't made yet, and they both ended up
• 7:01
  Speaker 3: calling that income? What percentage of that is the US
• 7:04
  Speaker 3: economy right now? Because I don't think it's negligible. And
• 7:07
  Speaker 3: I see, because when you look at these things, you
• 7:08
  Speaker 3: do see where it's like, hey, we're going to buy
• 7:10
  Speaker 3: this from you in the future. You're going to buy
• 7:12
  Speaker 3: this from us. And it's great for everyone right now,
• 7:15
  Speaker 3: but this money hasn't actually been generated yet. So But
• 7:18
  Speaker 3: that's how everything works. I mean when you take anything
• 7:20
  Speaker 3: like that in a microcosm, you can say this looks weird.
• 7:23
  Speaker 3: But it's really just the way things kind of work.
• 7:25
  Speaker 4: Well, and I think there are some companies that get
• 7:29
  Speaker 4: created to do certain things within companies or owned by
• 7:33
  Speaker 4: companies or controlled by companies. A lot of things like
• 7:37
  Speaker 4: that are done I'm sure for tax purposes and things
• 7:41
  Speaker 4: of that nature. The bottom line, a company has to
• 7:44
  Speaker 4: be selling their product. and earning money for that to
• 7:49
  Speaker 4: count and certainly NVIDIA is doing that. Now, does that
• 7:56
  Speaker 4: represent something in the future in the pipeline? Yes, all
• 7:58
  Speaker 4: companies have a pipeline. And a pipeline is not fact
• 8:04
  Speaker 4: with any company. It's just what the expectations are and
• 8:07
  Speaker 4: maybe what orders. But until they're paid for, until things
• 8:10
  Speaker 4: are done … It's a pipeline, not a sale.
• 8:14
  Speaker 3: And that's part of the skill of the market, right?
• 8:15
  Speaker 3: I mean you determine these companies and those are the
• 8:18
  Speaker 3: things that you make evaluations on and things like that.
• 8:20
  Speaker 3: That's baked into the process, so to speak.
• 8:22
  Speaker 4: Yes, and the companies are making those investments because they
• 8:27
  Speaker 4: believe that's where the economy and where the demand will be.
• 8:32
  Speaker 4: And that's why people look at the earnings reports and say, OK,
• 8:36
  Speaker 4: are there projections that they made? Are they coming– to
• 8:40
  Speaker 4: fruition or are they not executing on that? But everybody
• 8:45
  Speaker 4: in business has some sort of a plan that they're
• 8:48
  Speaker 4: trying to execute that looks out over a period of
• 8:51
  Speaker 4: time and the farther you look out, the cloudier it is.
• 8:57
  Speaker 4: But that's not new. That's certainly not new.
• 9:00
  Speaker 3: One of the things I like to appreciate about the
• 9:02
  Speaker 3: show as we're doing this is Retire Right Ready with
• 9:04
  Speaker 3: John Burdett from 4th Avenue Financial online, 4thAvenueFinancial. com, 4thAvenueFinancial. com. You
• 9:08
  Speaker 3: spell out the whole thing. is as we talk about
• 9:10
  Speaker 3: the headlines and different things along those lines. That's sort
• 9:13
  Speaker 3: of the service that we have to play here. But
• 9:15
  Speaker 3: what that, the context of that and what John does
• 9:17
  Speaker 3: is it's not raising alarm flags on the economy or
• 9:20
  Speaker 3: anything along those lines. For John, it just signals a
• 9:22
  Speaker 3: rotation of different tools. So you have tools that work
• 9:25
  Speaker 3: within these things that I liken it to like a
• 9:27
  Speaker 3: knight on the field of battle. You know, he'll ride
• 9:29
  Speaker 3: back to a squire. It might go from a joust
• 9:31
  Speaker 3: to a spear to a sword or whatever it might be.
• 9:33
  Speaker 3: Change out your shield. You know, you're using different weapons
• 9:36
  Speaker 3: depending on what the battlefield lays. So when we talk
• 9:39
  Speaker 3: about these headlines, it's, Sure, some people take these and
• 9:41
  Speaker 3: they write the articles about it and all the different things.
• 9:43
  Speaker 3: You're looking at it as like, OK, well, bond sector
• 9:45
  Speaker 3: is rotating in. That's going to allow for interest rates
• 9:47
  Speaker 3: to be in another area where we have tools that
• 9:49
  Speaker 3: we can use. There's different things that you can do
• 9:52
  Speaker 3: depending on the battlefield that we're talking about. And you
• 9:57
  Speaker 3: aren't handcuffed by those things just because one thing. moves
• 10:00
  Speaker 3: one way in another direction, you're not rooting for one
• 10:02
  Speaker 3: thing or the other. You can use whatever the tools
• 10:04
  Speaker 3: are there. So this is instructive in so much as
• 10:07
  Speaker 3: what tools it is that Fourth Avenue Financial and John
• 10:09
  Speaker 3: Burdett can use to help in those situations. It's not
• 10:12
  Speaker 3: raising a white flag ever because one thing means on
• 10:15
  Speaker 3: one side, on the teeter-totter means it comes up on
• 10:17
  Speaker 3: the other side. It's okay.
• 10:18
  Speaker 4: Yes, there is always a reaction somewhere that provides opportunity.
• 10:23
  Speaker 4: I mean, even in the Great Depression, if you want
• 10:25
  Speaker 4: to go back to that, there were opportunities. There were
• 10:28
  Speaker 4: even growth industries that were going on at that time.
• 10:32
  Speaker 4: You know, it wasn't all just the black and white
• 10:34
  Speaker 4: pictures we see now. Things were still, you know, going on.
• 10:37
  Speaker 4: People were still trying to make progress. And, you know,
• 10:42
  Speaker 4: there's always opportunity. If interest rates stay high longer, well,
• 10:46
  Speaker 4: then there's opportunity to earn more interest in your fixed
• 10:50
  Speaker 4: income portfolio that helps, you know, provide the income you
• 10:54
  Speaker 4: need for retirement. I mean, that's a, That's a positive
• 10:57
  Speaker 4: thing even though all the articles say it's doom and gloom. Well,
• 11:03
  Speaker 4: it may be doom and gloom for certain people but
• 11:07
  Speaker 4: not all people. And if you have capital, if you
• 11:10
  Speaker 4: have assets and savings, you have the opportunity to shift
• 11:14
  Speaker 4: and take advantage of that. Where a person that doesn't
• 11:18
  Speaker 4: have savings and investment is at the mercy of it.
• 11:22
  Speaker 3: You're just kind of riding the wave.
• 11:24
  Speaker 4: That's correct and that's why it's important. To build that foundation.
• 11:28
  Speaker 4: I mean, it goes all the back to the same fundamentals.
• 11:31
  Speaker 4: We've got to serve people, earn money and live below
• 11:34
  Speaker 4: our means, create savings and investment. If you do that,
• 11:37
  Speaker 4: you will have options. No matter what comes ahead, you know,
• 11:43
  Speaker 4: because things do circulate, things do change, but it doesn't
• 11:47
  Speaker 4: mean there's no opportunity.
• 11:49
  Speaker 3: And it's really and I know that for what you
• 11:51
  Speaker 3: do for a living and trying to help folks out,
• 11:53
  Speaker 3: I've Every week I do– when there's an update to
• 11:56
  Speaker 3: like the consumer confidence and things like that, I always
• 11:59
  Speaker 3: take a look at it just to see where it's
• 12:00
  Speaker 3: trending and stuff. And again, really low. I mean it
• 12:03
  Speaker 3: keeps on trending, the consumer confidence. Regardless of anything else
• 12:06
  Speaker 3: that seems to be happening in the background right now,
• 12:08
  Speaker 3: the overall vibe is just kind of down right now
• 12:11
  Speaker 3: regardless of what the rest of the data shows.
• 12:14
  Speaker 4: Well, and what's interesting, if you look at the– those
• 12:18
  Speaker 4: articles about the debt, the US government debt crossing $ 40
• 12:21
  Speaker 4: trillion for instance … And panic him about that. But
• 12:27
  Speaker 4: the actual individual in the U.S., if you look at
• 12:30
  Speaker 4: the statistics, the total debt between the people and the
• 12:35
  Speaker 4: government as a percentage of GDP right now has not grown.
• 12:41
  Speaker 3: Oh, really?
• 12:42
  Speaker 4: In the last– Interesting. Multiple years, you know, seven, eight
• 12:46
  Speaker 4: years or more. So the total outstanding debt as far as,
• 12:51
  Speaker 4: you know, people go, you know, And you hear a
• 12:53
  Speaker 4: number like $ 40 trillion and you think, wow, that's huge.
• 12:57
  Speaker 4: But the assets of the United States and its citizens
• 13:02
  Speaker 4: are about $ 600 trillion. So that's a– it's a huge
• 13:06
  Speaker 4: number within a huger number.
• 13:07
  Speaker 1: Right, right.
• 13:08
  Speaker 3: Sometimes when you're playing with big numbers, this gets me
• 13:10
  Speaker 3: with sports contracts and stuff all the time. Sometimes you
• 13:13
  Speaker 3: just have to– to manage it in your head, you
• 13:17
  Speaker 3: have to like just consider it's almost like monopoly money.
• 13:19
  Speaker 3: Not that it's not real but it's not money that
• 13:21
  Speaker 3: I have any functional– way to touch on any daily
• 13:24
  Speaker 3: basis you know so it feels a little fictional so
• 13:26
  Speaker 3: you have to understand you're like oh you know Juan
• 13:29
  Speaker 3: Soto made signed a contract for half a billion dollars
• 13:33
  Speaker 3: you have to really try to put that in context
• 13:35
  Speaker 3: and within the economics of the particular sport or whatever
• 13:38
  Speaker 3: it might be so you have to understand the context
• 13:40
  Speaker 3: of those things yeah.
• 13:41
  Speaker 4: Yeah but you know if it were a crisis the
• 13:49
  Speaker 4: government wouldn't be able to continue the way it is
• 13:52
  Speaker 4: the fact that people are still buying our bonds. We
• 13:57
  Speaker 4: still have capital flows and that sort of thing. That
• 14:01
  Speaker 4: tells you that where else are you going to put
• 14:05
  Speaker 4: those funds? Where else in the world are people going
• 14:09
  Speaker 4: to put those funds? Are you going to put them
• 14:10
  Speaker 4: in China, Russia? I doubt it. I doubt it given
• 14:18
  Speaker 4: the way their economies operate and the way their system is. Europe,
• 14:24
  Speaker 4: they're struggling quite a bit comparatively to the U.S. Is
• 14:28
  Speaker 4: that the safe haven you want? I mean, we are
• 14:30
  Speaker 4: the safe haven, continue to be the safe haven, and
• 14:33
  Speaker 4: probably will be for as long as you can look
• 14:38
  Speaker 4: out unless something drastic happens. And the debt alone is
• 14:43
  Speaker 4: not something that, you know, it may create opportunities occasionally,
• 14:49
  Speaker 4: but it's certainly not something that is means doom tomorrow,
• 14:56
  Speaker 4: just because we clicked over a number in the same
• 14:58
  Speaker 4: way when the Dow reaches 40,000 or 50,000 or whatever
• 15:02
  Speaker 4: the number is, they always talk about that and highlight that.
• 15:05
  Speaker 4: It's just another number in the whole context of numbers.
• 15:10
  Speaker 4: It's those milestones really don't mean anything. It's just something
• 15:15
  Speaker 4: to talk, you know, it becomes a talking point.
• 15:17
  Speaker 2: Right.
• 15:18
  Speaker 4: Right.
• 15:18
  Speaker 3: It's funny on our afternoon show, um, weekly at the
• 15:22
  Speaker 3: top of the four o'clock hours always goes over like
• 15:25
  Speaker 3: the closing stock market and stuff like that. And he'll
• 15:27
  Speaker 3: make a little offhand comment sometimes. And one time he said,
• 15:29
  Speaker 3: and he started doing reports on Bitcoin. And so one
• 15:32
  Speaker 3: day he made a comment just offhand. Well, if we
• 15:34
  Speaker 3: ever see Bitcoin get over 40,000 again, then we really
• 15:36
  Speaker 3: have something to talk about. And it was just under
• 15:38
  Speaker 3: 40 at the time. So he went on. A few
• 15:39
  Speaker 3: days later, it got over 40. He didn't say he
• 15:42
  Speaker 3: didn't really mention anything about it. He just gave the
• 15:45
  Speaker 3: level it was at and went about it. We started
• 15:46
  Speaker 3: getting texts and it's like, well, what do we have
• 15:48
  Speaker 3: to talk about now that it's over 40? And Dave's like, well,
• 15:52
  Speaker 3: this isn't that show. We'll talk to somebody else about it.
• 15:55
  Speaker 3: But now anytime that he mentions Bitcoin, like once or
• 15:58
  Speaker 3: twice a week, he'll get somebody like, well, are you
• 15:59
  Speaker 3: going to talk about it or not? You said you
• 16:01
  Speaker 3: had something to talk about. It's pretty funny the way
• 16:04
  Speaker 3: people react to that stuff. We have tons of stuff
• 16:06
  Speaker 3: that we need to still get into and we need
• 16:07
  Speaker 3: to take a break. And we have a couple of
• 16:09
  Speaker 3: texts that are coming in as well. So that's kind
• 16:12
  Speaker 3: of where we're going to point after this. If you
• 16:13
  Speaker 3: have any questions for John, you're welcome to get in
• 16:15
  Speaker 3: on the phone call. That's 304-345-5858, 345-5858. You can send
• 16:20
  Speaker 3: us a text message, 304-935-5008, 304-935-5008. You're listening to Retire
• 16:26
  Speaker 3: Right Radio this morning with John Burdett from 4th Avenue Financial. Online,
• 16:29
  Speaker 3: that's 4thAvenueFinancial. com. 4thAvenueFinancial. com is where you can find out more
• 16:34
  Speaker 3: information about John Burdett and 4th Avenue Financial. And they
• 16:37
  Speaker 3: are located right here in downtown Charleston on Court Street
• 16:40
  Speaker 3: across from the Town Center Mall. We'll give you more
• 16:42
  Speaker 3: contact information when we come back. But for now, we'll
• 16:44
  Speaker 3: take a break and resume the show after these commercial messages.
• 16:47
  Speaker 3: I'm Del Cooper. You're listening to Retire Right Radio with
• 16:49
  Speaker 3: John Burdett on 580 WCHS, The Voice of Charleston.
• 16:52
  Speaker 5: Retire Right Radio is sponsored by Fourth Avenue Financial, which
• 16:56
  Speaker 5: is solely responsible for its content. Securities offered through J.W.
• 17:00
  Speaker 5: Cole Financial member, FINRA SIPC. Investment advice offered through J.W.
• 17:05
  Speaker 5: Cole Advisors. Fourth Avenue Financial, J.W. Cole Financial, and J.D.U.
• 17:09
  Speaker 5: Cole Advisors are unaffiliated entities. The opinions expressed by John
• 17:14
  Speaker 5: Burdett should not be construed as specific investment, legal, or
• 17:17
  Speaker 5: tax advice. All economic and performance information is historical and
• 17:22
  Speaker 5: not indicative of future results. Investing may involve risk of
• 17:26
  Speaker 5: loss of principle. Any tax advice on this show is
• 17:29
  Speaker 5: not intended to be used by any person for the
• 17:31
  Speaker 5: purpose of avoiding use, federal or state tax penalties that
• 17:35
  Speaker 5: may be imposed on such a person. And each listener
• 17:38
  Speaker 5: should seek advice from their tax advisor or legal counsel
• 17:41
  Speaker 5: on topics that arise from the show. John Burdett is
• 17:44
  Speaker 5: not providing legal or tax advice. Nothing should be construed
• 17:48
  Speaker 5: as solicitation of an offer to buy securities. This program
• 17:51
  Speaker 5: is sponsored by Fourth Avenue Financial, which is solely responsible
• 17:54
  Speaker 5: for its content.
• 17:55
  Speaker 6: The IRS finally caught up with Louie.
• 17:58
  Speaker 3: I hadn't paid my taxes in eight years. I owe
• 18:00
  Speaker 3: the IRS a lot of money.
• 18:02
  Speaker 6: Louie was in deep trouble.
• 18:03
  Speaker 3: We're going to take your house, put a lien on
• 18:05
  Speaker 3: your bank account, garnish your pay. They don't care.
• 18:07
  Speaker 6: They're going to take your paycheck. Louie found out about
• 18:10
  Speaker 6: Optima Tax Relief, the leading tax resolution firm. A-plus rated
• 18:14
  Speaker 6: by the Better Business Bureau, they've resolved over $ 3 billion
• 18:17
  Speaker 6: for their clients.
• 18:18
  Speaker 3: Optima Tax, they help me.
• 18:20
  Speaker 2: They calm me down.
• 18:21
  Speaker 3: They make me feel comfortable, and I trust them.
• 18:23
  Speaker 6: Louie has a lot to be thankful for.
• 18:25
  Speaker 2: I don't owe the IRS anymore, and I'm able to
• 18:27
  Speaker 2: live a comfortable life, a lot better life.
• 18:30
  Speaker 3: It was because of Optima Tax.
• 18:31
  Speaker 6: For tax help you can trust, call Optima now for
• 18:34
  Speaker 6: a free consultation. Take it from Louie.
• 18:36
  Speaker 3: If you owe the IRS, don't go in alone. Give
• 18:39
  Speaker 3: Optima Tax a call.
• 18:40
  Speaker 6: They can help you. Call 800-343-6460.
• 18:41
  Speaker 4: 800-343-6460. 800-343-6460.
• 18:49
  Speaker 3: Optima Tax Relief.
• 18:51
  Speaker 6: Testimonial from an actual client. Some restrictions apply. For complete details,
• 18:53
  Speaker 6: please visit OptimaTaxRelief.com.
• 18:55
  Speaker 1: This is Retire Right Radio with John Burdett from 4th
• 18:59
  Speaker 1: Avenue Financial. Taking your calls at 304-345-5858 or texts on 304-935-5008.
• 19:02
  Speaker 1: When a problem comes along, you must whip it before
• 19:04
  Speaker 1: the cream sets out too long. You must whip it before.
• 19:08
  Speaker 6: It's all wrong.
• 19:19
  Speaker 3: If you're listening to Retire Right Radio on 580 WCHS,
• 19:21
  Speaker 3: the voice of Charles and I'm Dale Cooper. Thanks for
• 19:23
  Speaker 3: tuning in on this Monday morning. Monday morning on Retire
• 19:26
  Speaker 3: Right Radio. More information about John Burdett and 4th Avenue
• 19:28
  Speaker 3: Financial online. It's 4thAvenueFinancial. com. 4thAvenueFinancial. com. You spell out the whole thing.
• 19:33
  Speaker 3: You can also do that search on Facebook and like
• 19:35
  Speaker 3: the page over there to be kept up to date
• 19:37
  Speaker 3: on different things that are going on there. Phone number
• 19:39
  Speaker 3: is 304-746-7977. 304-746-7977. However, you can get a hold of
• 19:44
  Speaker 3: us this morning. Our number is 304-345-5858, 345-5858. You can
• 19:46
  Speaker 3: text 304- Like, we get one of these every once
• 19:58
  Speaker 3: in a while, and so it's always good to kind
• 20:00
  Speaker 3: of just reset this a little bit. This is from
• 20:02
  Speaker 3: the 304474. NVIDIA went up 9% on Thursday, and I
• 20:06
  Speaker 3: could see it in my 401K. Then Friday, it went
• 20:08
  Speaker 3: right back down. I feel like I'm on a roller coaster.
• 20:11
  Speaker 3: Don't check every day.
• 20:12
  Speaker 4: No, that's the bottom line. I mean, that's what's going
• 20:15
  Speaker 4: to happen. Anytime, especially a focal stock like that, all
• 20:22
  Speaker 4: eyes are on it and everything. there can be volatility
• 20:27
  Speaker 4: and you're going to see that. And every day that
• 20:29
  Speaker 4: you check it, it doesn't change your life. I think
• 20:31
  Speaker 4: that's the big thing to remember. You know, when you
• 20:33
  Speaker 4: own a stock, you own a company, you're a part
• 20:36
  Speaker 4: owner of that company. You succeed over time as that
• 20:41
  Speaker 4: company succeeds and, and their earnings grow. That's how you
• 20:45
  Speaker 4: benefit from owning a company. And you know, just because
• 20:50
  Speaker 4: the market moves doesn't mean the, fundamentals of the company
• 20:54
  Speaker 4: changed over the last 24 hours. That's just what the
• 20:56
  Speaker 4: market did. And it doesn't change your life. If you're
• 21:00
  Speaker 4: saving for retirement and that stock moves up or down
• 21:03
  Speaker 4: 10% from day to day, does it change your life? No,
• 21:07
  Speaker 4: you're not relying on that. Now, when you get to retirement,
• 21:10
  Speaker 4: there again, your whole portfolio is not made up by
• 21:13
  Speaker 4: stocks like that. You build that portfolio to meet the
• 21:17
  Speaker 4: needs of the income. But if you're a long way
• 21:19
  Speaker 4: away from retirement, the only thing you really should be
• 21:23
  Speaker 4: focusing on are the things you can control. Am I
• 21:27
  Speaker 4: saving enough? Am I living below my means consistently and
• 21:31
  Speaker 4: not having credit card debts and things like that? Um,
• 21:35
  Speaker 4: you know, am I, am I diversified into the market? Um,
• 21:39
  Speaker 4: so I do have, you know, for instance, and investments like,
• 21:43
  Speaker 4: like the video, like the, the messenger here, um, but
• 21:48
  Speaker 4: do I also have other sectors in my portfolio to
• 21:51
  Speaker 4: diversify that? That's what you control, and looking at it
• 21:56
  Speaker 4: from day to day really is not going to change. Now,
• 22:00
  Speaker 4: if you're a day trader or something like that, yes, obviously,
• 22:05
  Speaker 4: if that's the game you're playing, you've got to watch it.
• 22:09
  Speaker 4: But that's not the game that I play, and it's
• 22:12
  Speaker 4: not the game that most folks that are successfully saving
• 22:16
  Speaker 4: for a long-term retirement are playing because it's unpredictable, but
• 22:22
  Speaker 4: it's very predictable over long periods of time. If you
• 22:25
  Speaker 4: own a company that is growing its earnings and you
• 22:29
  Speaker 4: own that long enough, it's hard not to benefit from
• 22:32
  Speaker 4: that if you're the owner.
• 22:35
  Speaker 3: And we run across this type of thing all the time.
• 22:39
  Speaker 3: And that advice from John always holds the day. and, uh,
• 22:43
  Speaker 3: from just from personal experience on certain things. And if
• 22:46
  Speaker 3: you're trying to watch stuff on a daily basis, when
• 22:48
  Speaker 3: it comes to like, especially something like a, like your
• 22:50
  Speaker 3: 401k or something like that, I mean, there's just too many, there's,
• 22:53
  Speaker 3: there's too many ponies in that circus, man. You have
• 22:55
  Speaker 3: no idea what's influencing what. And eventually you're just going
• 22:58
  Speaker 3: to drive yourself crazy if you're just chasing percentages all
• 23:02
  Speaker 3: the time.
• 23:02
  Speaker 4: And it becomes an emotional rollercoaster that lets bad or,
• 23:08
  Speaker 4: or invites bad decision-making in. Um, Everyone likes it. You
• 23:14
  Speaker 4: open your 401k and, oh, last year I made $ 50, 000
• 23:16
  Speaker 4: in my 401k. Well, great. And the following year, oh,
• 23:21
  Speaker 4: I made $ 50, 000 in my 401k.
• 23:23
  Speaker 1: Great.
• 23:24
  Speaker 4: But there are going to be some years where you
• 23:25
  Speaker 4: lose $ 25, 000. Well, you can change. You could throw everything
• 23:31
  Speaker 4: out and start over and say that stocks are worthless.
• 23:37
  Speaker 4: But you have to remember you made the $ 50, 000 the
• 23:40
  Speaker 4: year before and the year before. you're just not going
• 23:44
  Speaker 4: to like the market one out of every four or
• 23:46
  Speaker 4: five years.
• 23:46
  Speaker 3: It happens, right?
• 23:48
  Speaker 4: And that's part of the process. And if you had
• 23:52
  Speaker 4: a crystal ball and could tell which one of those
• 23:54
  Speaker 4: bad years when it was going to happen, great. But
• 23:58
  Speaker 4: nobody has that. Look at the news this year and
• 24:03
  Speaker 4: all the things that have gone on that would have
• 24:06
  Speaker 4: made you, and all the articles earlier in the year,
• 24:09
  Speaker 4: it would have made you think, hey, There's no way
• 24:12
  Speaker 4: we can have a good year. But look at where
• 24:14
  Speaker 4: we are. We're at record highs. You can't predict these
• 24:17
  Speaker 4: things because these companies are trying their best, no matter
• 24:23
  Speaker 4: what the environment is, to stay profitable and serve their customers. And,
• 24:29
  Speaker 4: you know, that's why most of the doom that you
• 24:31
  Speaker 4: hear certainly could happen but usually doesn't happen because people
• 24:37
  Speaker 4: react to that or believe in many cases are proactive
• 24:43
  Speaker 4: in making their plans and building their businesses because they're
• 24:48
  Speaker 4: looking at those environments and responding to it. You know,
• 24:53
  Speaker 4: how the customer is interacting with them. You know, they
• 24:55
  Speaker 4: want to respond to that. And if a customer says, hey,
• 25:00
  Speaker 4: we'd like to see more of this, and they feel
• 25:02
  Speaker 4: there's an opportunity, that's when they make those changes. And
• 25:05
  Speaker 4: that really is outside of the headlines of the world.
• 25:09
  Speaker 4: That's the relationship between the business and the customer. And
• 25:17
  Speaker 4: that's where really the rubber meets the road as far
• 25:19
  Speaker 4: as the earnings come in and you benefit as the owner.
• 25:24
  Speaker 3: Great information with John Burdett from 4th Avenue Financial. I
• 25:27
  Speaker 3: got another text message in along the same line, sort of,
• 25:30
  Speaker 3: from the 304-523. I'm 55 and I've been putting off
• 25:33
  Speaker 3: financial planning. I'm sorry. then putting off calling a financial
• 25:37
  Speaker 3: planner because I feel like I don't have enough to
• 25:40
  Speaker 3: justify it. How much do you need saved before it
• 25:42
  Speaker 3: makes sense to talk to someone at Third Avenue Financial?
• 25:45
  Speaker 3: We talk about that every so often as well. There's
• 25:48
  Speaker 3: no magic number, right?
• 25:49
  Speaker 4: There's really not a magic number. I mean, everybody has
• 25:52
  Speaker 4: to start somewhere and every portfolio that's large started off small.
• 25:59
  Speaker 4: There are a lot of firms out there that do
• 26:02
  Speaker 4: have limits. Um, you know, I need 250,000, I need 500,000. Um,
• 26:08
  Speaker 4: that's not the case. Um, I will work with just
• 26:12
  Speaker 4: about anybody, even younger folks that are just starting out,
• 26:15
  Speaker 4: trying to help get a good path for them. I mean,
• 26:17
  Speaker 4: that's one of the things I enjoy doing, um, because
• 26:21
  Speaker 4: I feel like I'm really helping have an impact in
• 26:24
  Speaker 4: somebody's life and outcome. Um, so, um, I mean, the
• 26:30
  Speaker 4: one thing that I do like and how I kind
• 26:32
  Speaker 4: of screen is I want to make sure that, you know,
• 26:36
  Speaker 4: you don't come to a financial advisor and just say, here,
• 26:42
  Speaker 4: make me money. It's a relationship and it is a process.
• 26:47
  Speaker 4: And even if you don't have a lot of money,
• 26:50
  Speaker 4: if you're willing to work through that process, then I'm
• 26:55
  Speaker 4: going to be there to help you through that. I
• 27:01
  Speaker 4: think it's not like just buying a stock or just
• 27:05
  Speaker 4: here's money, invest it for me. We really want to
• 27:09
  Speaker 4: look at your situation and craft a plan that works
• 27:13
  Speaker 4: for you. And that requires input and a little bit
• 27:16
  Speaker 4: of work from the other side as well. And that's
• 27:20
  Speaker 4: really what I use. If you're committed to bettering your
• 27:24
  Speaker 4: financial position, I don't care if you're starting out with
• 27:29
  Speaker 4: $ 100 a month. I'll help you put that foundation together.
• 27:37
  Speaker 4: It's really one of the most rewarding things that I
• 27:39
  Speaker 4: do as far as work because I know that it
• 27:42
  Speaker 4: has such a huge impact over time on people's lives.
• 27:45
  Speaker 3: I want to make sure to highlight that because I
• 27:47
  Speaker 3: think maybe some people get the inclination that if I'm
• 27:51
  Speaker 3: going into a financial planner that I need to have
• 27:53
  Speaker 3: this lump sum to go in with, that I need
• 27:54
  Speaker 3: to have my my house in order first, and then
• 27:57
  Speaker 3: I go in and I have all this money that
• 27:58
  Speaker 3: I'm going to invest in the market or whatever. John
• 28:01
  Speaker 3: service starts you at basically you can start at zero. Like,
• 28:05
  Speaker 3: I mean, when you talk about the Ramsey method and
• 28:06
  Speaker 3: the debt snowball and stuff like that, that's designed for
• 28:08
  Speaker 3: people that it's looking to get room to start making
• 28:12
  Speaker 3: moves in their life. They need to start paying off
• 28:14
  Speaker 3: debt so they can make investments or doing whatever it
• 28:16
  Speaker 3: is they need to do. So if you're starting at
• 28:18
  Speaker 3: zero and you feel like you're starting at zero, you
• 28:20
  Speaker 3: need John then more than you did at any other
• 28:22
  Speaker 3: time because you can help with those things. I mean,
• 28:24
  Speaker 3: there might not be massive investments that you can make tomorrow,
• 28:27
  Speaker 3: but you can start the path to clear some room
• 28:30
  Speaker 3: so you can start investing in your future. And that's
• 28:32
  Speaker 3: the first step. The first step isn't saying, hey, I
• 28:34
  Speaker 3: suddenly have $ 100, 000 I can invest. You need to get
• 28:37
  Speaker 3: there first. And that's where John can help you with. Right, right.
• 28:40
  Speaker 4: Help you through that process, build the foundation. Create the
• 28:43
  Speaker 4: pathways to get there, to get those goals that you
• 28:47
  Speaker 4: have for yourself. Turn them just from a dream into
• 28:50
  Speaker 4: an actual workable plan that turns it into reality. And
• 28:56
  Speaker 4: I like to say there's no hard limit on that.
• 28:59
  Speaker 4: It's just a matter of a commitment that, hey, I'm
• 29:02
  Speaker 4: going to make effort here. It does no good to
• 29:05
  Speaker 4: come to a financial advisor and just say, here's my money,
• 29:08
  Speaker 4: do something with it. If you're running up credit card debts,
• 29:11
  Speaker 4: you know, the market's never going to out-earn bad habits
• 29:14
  Speaker 4: in your financial life. And so we want to make
• 29:17
  Speaker 4: sure that you have that set so that your investments
• 29:22
  Speaker 4: will pay off and will grow and take care of you,
• 29:27
  Speaker 4: not just be used to try to offset bad habits
• 29:31
  Speaker 4: that you have. That's just not going to work.
• 29:34
  Speaker 3: And it's amazing how skills will, I mean, I am
• 29:38
  Speaker 3: not the most skilled person when it comes to these
• 29:40
  Speaker 3: types of things, but the one skill that I did
• 29:42
  Speaker 3: develop years and years ago was after I paid off
• 29:46
  Speaker 3: all of my debt, I became very, very adamant, militant
• 29:50
  Speaker 3: about not going into debt. Like I am not going
• 29:52
  Speaker 3: to go into debt. It doesn't mean I have the
• 29:53
  Speaker 3: most money in the world or I make all the
• 29:55
  Speaker 3: other best decisions or anything along those lines. But the
• 29:57
  Speaker 3: one thing I don't do is I don't carry debt.
• 29:59
  Speaker 3: And that really, even that one skill, even if I
• 30:02
  Speaker 3: missed the mark on a lot of other things, it
• 30:04
  Speaker 3: gives you some functionality in the future because you're not
• 30:07
  Speaker 3: always trying to bet against some debt that you have
• 30:09
  Speaker 3: that's holding you back somewhere. I might have– I may
• 30:11
  Speaker 3: have shortchanged myself in other ways or made mistakes other–
• 30:15
  Speaker 3: but it's not debt. That's the one problem I don't
• 30:16
  Speaker 3: have and that gives me a little bit of a
• 30:18
  Speaker 3: leg up. And if you can learn to pay off
• 30:20
  Speaker 3: those things and get that debt snowball going and to
• 30:22
  Speaker 3: give you that freedom, you can really see a lot
• 30:24
  Speaker 3: of options open up ahead of it even if you
• 30:26
  Speaker 3: don't drastically increase your income or you don't suddenly become
• 30:29
  Speaker 3: wealthy overnight. You can give yourself that headroom to start
• 30:32
  Speaker 3: making some moves.
• 30:33
  Speaker 4: Yeah, no doubt about it. And debt is the– You know,
• 30:40
  Speaker 4: if you think about it, if you have credit card debt,
• 30:44
  Speaker 4: even if you're not doing this line item budget, you
• 30:47
  Speaker 4: don't need to do a detailed budget to know I
• 30:50
  Speaker 4: did something wrong here. I spent more than I brought in.
• 30:54
  Speaker 4: That's the only way you have that debt. Well, you know,
• 30:57
  Speaker 4: the budget obviously helps you identify that. But clearly, you know, Houston,
• 31:02
  Speaker 4: we have a problem over here if there's debt accumulating.
• 31:06
  Speaker 4: That means you're not living below your means. You need
• 31:09
  Speaker 4: to make adjustments. You either need to increase your means
• 31:12
  Speaker 4: or you need to control the outflow better.
• 31:16
  Speaker 3: And you can do that. There are several different methods
• 31:18
  Speaker 3: and things that you can be instructed on to do that.
• 31:21
  Speaker 3: And a lot of times it's just picking up a
• 31:23
  Speaker 3: phone call. Sometimes you need– there's different types of counsel
• 31:26
  Speaker 3: you can get and people get counseled on different things.
• 31:29
  Speaker 3: Financial counseling is part of it. Figuring out what your
• 31:31
  Speaker 3: tolerances are for different things, figuring out where maybe your
• 31:33
  Speaker 3: blind spots are, your weak spots are. where it is
• 31:36
  Speaker 3: that you can maybe shave some money off and get
• 31:38
  Speaker 3: a little help. I mean, talking to another person who's
• 31:41
  Speaker 3: a highly credentialed expert in those fields can really help.
• 31:44
  Speaker 3: That's different than talking to your spouse, your parent, or
• 31:49
  Speaker 3: your best friend, or whoever it might be. I mean,
• 31:50
  Speaker 3: they might have decent advice, but it's not the advice
• 31:52
  Speaker 3: of an expert, more than likely. And talking to somebody
• 31:55
  Speaker 3: who's an expert can really give you some help.
• 31:56
  Speaker 4: Yes, there's actually an article. I thought about talking about
• 32:00
  Speaker 4: it today, and I guess at the end of the show,
• 32:02
  Speaker 4: here we are. But it says, it was a person
• 32:05
  Speaker 4: that says, I study successful people. They have one habit
• 32:09
  Speaker 4: in common. It is the willingness to ask others for advice.
• 32:14
  Speaker 3: Yeah, look at that.
• 32:15
  Speaker 1: Yeah.
• 32:16
  Speaker 3: There's a lot of people, and it's weird too, whether
• 32:20
  Speaker 3: it's an ego thing or they think they should just know.
• 32:22
  Speaker 3: A lot of people, and I've ran across this, I
• 32:24
  Speaker 3: don't know how many times in my life, where as
• 32:26
  Speaker 3: a homeowner or whatever it might be, you get into
• 32:29
  Speaker 3: a situation where you're a grown adult and you find
• 32:31
  Speaker 3: yourself in a situation that you don't know about. And
• 32:33
  Speaker 3: sometimes you're like, I should know this and then you
• 32:35
  Speaker 3: get really reluctant to add– to ask somebody in your
• 32:39
  Speaker 3: cohort like a fellow adult or whoever it might be.
• 32:42
  Speaker 3: What do I do in this situation? The truth of
• 32:44
  Speaker 3: the matter is everybody gets in those situations sometimes. And
• 32:47
  Speaker 3: it's OK to ask.
• 32:49
  Speaker 4: Well, do you not think that Elon Musk or Bill
• 32:52
  Speaker 4: Gates have advisors? Of course. Right.
• 32:54
  Speaker 3: Of course they do.
• 32:55
  Speaker 4: They've got– people that have experience in every field that
• 32:59
  Speaker 4: they are trying.
• 33:00
  Speaker 3: To operate in. Even if you try to pretend like
• 33:02
  Speaker 3: you don't have advisors, you have advisors that have helped
• 33:05
  Speaker 3: you in your decisions. Yeah, that's true. And so we
• 33:09
  Speaker 3: can't pay to have a team of advisors for us.
• 33:11
  Speaker 3: What we do is we have Fourth Avenue Financial that
• 33:14
  Speaker 3: can work for you and to help you make these
• 33:16
  Speaker 3: decisions and to help you get to those places where
• 33:18
  Speaker 3: you have a little bit of that freedom. And picking
• 33:21
  Speaker 3: up the phone call and just getting that started, for
• 33:24
  Speaker 3: a lot of people, that's going to get them on
• 33:25
  Speaker 3: the right path.
• 33:26
  Speaker 4: Absolutely. And like I say, I'm always willing to talk.
• 33:29
  Speaker 4: You can schedule it easily online on the website or
• 33:33
  Speaker 4: just simply give us a call and we'll schedule a
• 33:36
  Speaker 4: time to chat about your situation.
• 33:39
  Speaker 3: So you can find them on Facebook. You do a
• 33:41
  Speaker 3: search for 4th Avenue Financial. You can go over there.
• 33:43
  Speaker 3: You can find them on Facebook and get routed through
• 33:45
  Speaker 3: an appointment through Facebook. You can also go to the website,
• 33:48
  Speaker 3: which is 4thAvenueFinancial. com. You spell out the whole thing in
• 33:51
  Speaker 3: both situations and you can find the website there that
• 33:53
  Speaker 3: has all the information you might need on it, including
• 33:55
  Speaker 3: the phone number. The phone number is 304-746-7977, 304-746-7977. Once again,
• 33:57
  Speaker 3: that's 304-746-7977. 4th Avenue Financial is located on Court Street.
• 34:06
  Speaker 3: across from the Town Center Mall here in downtown Charleston.
• 34:08
  Speaker 3: Very easy to get to. You won't have any problems
• 34:10
  Speaker 3: with that. But a phone call is a place where
• 34:12
  Speaker 3: you can start at 304-746-7977 for 4th Avenue Financial. And
• 34:17
  Speaker 3: if folks are looking to get started, you don't have
• 34:20
  Speaker 3: to have all your tax returns and all your file envelopes.
• 34:23
  Speaker 3: You don't have to have your visor on and the
• 34:24
  Speaker 3: pencil behind your ear or anything along those lines. Just
• 34:26
  Speaker 3: pick up the phone call. That's all you've got to do.
• 34:28
  Speaker 4: Pick up the phone. We'll talk about it. And then
• 34:30
  Speaker 4: before you come in, We have a short questionnaire we'll
• 34:32
  Speaker 4: have you fill out. So I have some background information.
• 34:35
  Speaker 4: But other than that, it's a pretty easy lift to
• 34:38
  Speaker 4: get started.
• 34:39
  Speaker 3: There you have it. That's John Burdett with 4th Avenue
• 34:41
  Speaker 3: Financial every Monday morning right here on 580 WCHS for
• 34:45
  Speaker 3: Retire Right Radio. This will be up as a podcast.
• 34:47
  Speaker 3: You can check that out at WV– I'm sorry, at– WCHSnetwork.com
• 34:51
  Speaker 3: here in about a half hour or so. And you
• 34:53
  Speaker 3: can find that right on the landing page towards the bottom.
• 34:55
  Speaker 3: You'll see all of our podcasts as they come along.
• 34:57
  Speaker 3: And 4th Avenue Financial is there every week. Thanks so
• 35:00
  Speaker 3: much for coming in today, John. And thank you so
• 35:02
  Speaker 3: much for listening out there. Coming up next will be
• 35:05
  Speaker 3: 580 Live with Dave Allen. After 580 Live, it will
• 35:08
  Speaker 3: be Hotline with Dave and TJ. Dave Allen will be
• 35:10
  Speaker 3: back this afternoon with Amanda Barron. And that will be
• 35:13
  Speaker 3: on Metro News Midday. And then I'll be back this
• 35:15
  Speaker 3: afternoon at 3.06 with Dave Weekly on Hotline. John, thank
• 35:18
  Speaker 3: you very much. We'll talk to you next week.
• 35:19
  Speaker 4: Great.
• 35:19
  Speaker 3: Thank you. Have a great day, everyone. You are listening
• 35:21
  Speaker 3: to your voice of Charleston. We are 580 WCHS. 580 WCHS.
• 35:27
  Speaker 4: AM.
• 35:28
  Speaker 2: 96.5 FM Charleston. 104.5 Cross Lane.
• 35:29
  Speaker 3: On WVRC Media Station.