Latest / WCHS Network Podcasts / 12/15/2025 Retire Right Radio with John Burdette

Transcript

12/15/2025 Retire Right Radio with John Burdette · WCHS Network Podcasts

0:00
Speaker 1: Unlock your dream property with Meeks Realty Group, where Rich
0:03
Speaker 1: the realtor makes real estate dreams a reality, whether it's
0:05
Speaker 1: residential or commercial. We've got Charleston to Huntington covered. Your
0:09
Speaker 1: key to exceptional real estate experience is start here Meeks Realtygroup.
0:13
Speaker 1: Contact us at Meeks dot us.
0:15
Speaker 2: The views and opinions expressed on this program do not
0:18
Speaker 2: necessarily reflect the views and opinions of five eight WCCHS,
0:22
Speaker 2: its employees or WVRC Media. This is Retire Right Radio,
0:27
Speaker 2: a weekly show from John Verdet at Fourth Avenue Financial
0:31
Speaker 2: that aims to answer your questions about financial planning, investing,
0:34
Speaker 2: and how to retire right. Fourth Avenue Financial is located
0:38
Speaker 2: in downtown Charleston at one seventy Court Street. More information
0:42
Speaker 2: online at Fourth Avenue Financial dot com. Join the conversation
0:46
Speaker 2: by calling three oh four three four five fifty eight
0:49
Speaker 2: fifty eight or text three oh four nine three five
0:52
Speaker 2: fifty oh eight. On Retire Right Radio, let's go live
0:57
Speaker 2: to the studio with host Dale Cooper and John Verdett
0:59
Speaker 2: from to have any financial mention.
1:01
Speaker 3: No, we hate to disappoint you, but it's not actually
1:04
Speaker 3: Dale Cooper. It's Dave Allen I will be in the
1:06
Speaker 3: Dale Cooper position today and retire right radio. John Bredada,
1:10
Speaker 3: Fourth Avenue Financial Coop taking a little, uh much deserved
1:13
Speaker 3: time off. He'll be back next week. John bredad it say, hey,
1:17
Speaker 3: do man pretty good? Maybe he's catching up on some
1:19
Speaker 3: Christmas shop. Yeah, maybe that's what he's doing. I don't know,
1:21
Speaker 3: it's hard to tell. What what So speaking of what
1:23
Speaker 3: you excited about? Excited about Christmas? Oh, well it's coming
1:27
Speaker 3: no matter what. But uh no, we my wife's shop
1:30
Speaker 3: down there at Vintage and Vines has been really busy.
1:33
Speaker 3: We've been doing a lot of a lot of Christmas sales.
1:35
Speaker 3: So that's a good thing. Well, I mean, you know,
1:37
Speaker 3: since you paid for the time here, you know we
1:39
Speaker 3: we may as well go ahead and let you talk
1:41
Speaker 3: of make make the wife happy. And I have to
1:43
Speaker 3: do a little plug for sure, talk about So for
1:45
Speaker 3: people that aren't familiar with their shop down there, we'll
1:47
Speaker 3: do a two for one sale here, you know, before
1:49
Speaker 3: they have a new financial on them, because I've heard
1:51
Speaker 3: a lot of good things about having had a chance
1:53
Speaker 3: to visit there. But go ahead and yeah.
1:54
Speaker 4: AIX six on nine D Street in South Charleston, near
1:57
Speaker 4: the Mound vintage and vine to mercantile A is a
2:02
Speaker 4: invented shop.
2:04
Speaker 3: I have a vinyl.
2:05
Speaker 4: Section in there that she let me put in, and
2:08
Speaker 4: so baseball cards. I've got a really nice vintage baseball card.
2:12
Speaker 3: Now see, I knew that you were into the vinyl job,
2:14
Speaker 3: but I didn't know that you were into the baseball car.
2:15
Speaker 3: Oh yeah, I've got a I've got a good collection brewing.
2:18
Speaker 3: So it has been is this something you started as
2:21
Speaker 3: a child or something you got it do later? The
2:23
Speaker 3: baseball Oh yeah, I was.
2:24
Speaker 4: I was big into it as a as a child
2:26
Speaker 4: and then got away from it and then uh well
2:29
Speaker 4: it's a common story with in COVID. I was like,
2:31
Speaker 4: I need to I've got to do something with this
2:34
Speaker 4: time at home, and uh, you know started started our
2:37
Speaker 4: baseball cards still a big deal among kids or are
2:40
Speaker 4: they a bigger deal among adults? You know, the kids
2:44
Speaker 4: certainly collect them, but uh, a lot of those, a
2:48
Speaker 4: lot of the younger folks are gravitating more towards Pokemon
2:51
Speaker 4: and some of those, and that's been the thing for
2:53
Speaker 4: a while. And those are those are really really hot.
2:56
Speaker 4: We do carry those down at the shop too.
2:58
Speaker 3: So uh, now your vinyl I think you're doing a
3:00
Speaker 3: promotion with our sister station ninety eight to seven a
3:03
Speaker 3: Mountain right. Yes, yes, it's a free Vinyl Friday. We
3:06
Speaker 3: give away of a record every week and Steve gave
3:10
Speaker 3: away the first one this past week, which is Pink
3:12
Speaker 3: Floyd Dark Side of the Moon.
3:14
Speaker 4: That's correct. Yeah, that that's uh, you can't beat that one.
3:17
Speaker 4: That's a good Yeah. I'm not sure what what he's
3:20
Speaker 4: given away this week, but tuned in in the morning and.
3:23
Speaker 3: On Friday mornings is pre Vinyl Friday. And that's that's
3:27
Speaker 3: good stuff. When they told me they were because I
3:29
Speaker 3: do a lot of work on the mountain too, and
3:30
Speaker 3: they told me that they were going to be doing that,
3:31
Speaker 3: and I thought, man, that's a that's a that's a
3:33
Speaker 3: really cool idea. Yeah.
3:34
Speaker 4: Yeah, been surprising how many people are back into vinyl.
3:37
Speaker 4: That's pretty big.
3:38
Speaker 2: You know.
3:38
Speaker 3: The vinyl thing John came back about I want to
3:41
Speaker 3: say ten years or so ago, and one of the
3:44
Speaker 3: early people that jumped on it was a group Pearl Jam,
3:47
Speaker 3: and Pearl Jam released an album and they only released
3:50
Speaker 3: it on vinyl, and people were scrambling around trying to
3:54
Speaker 3: you know, if you're a hardcore Pearl Jam fan, of
3:56
Speaker 3: which I'm not, but but they you know, people were
3:59
Speaker 3: looking around trying to find something to be able to
4:01
Speaker 3: play it on, and now it's it's just it's become huge.
4:04
Speaker 3: I know Dave Weekly on Hotline Afternoon, he's a huge
4:06
Speaker 3: vinyl guy.
4:07
Speaker 4: Oh yeah, yeah, he'll be down at the shop quite
4:09
Speaker 4: a bit, digging through the bends. So what do you
4:11
Speaker 4: get your music from? Well, I mean we have vintage
4:14
Speaker 4: and new, so of course, you know the new stuff.
4:19
Speaker 4: I've got just about anything you can imagine. And I
4:22
Speaker 4: buy collections, you know, sometimes some weekends I'll I'll take
4:26
Speaker 4: the cargo van and you know, buy a collection somewhere.
4:29
Speaker 4: So yeah, it's a fun I'll call it a hobby
4:33
Speaker 4: slash business.
4:34
Speaker 3: Well, but you know, if it's something that you're passionate about,
4:37
Speaker 3: it's probably going to be more successful because you actually
4:39
Speaker 3: like what you're doing and you can actually get a
4:41
Speaker 3: rapport with the customers that come in and talk about
4:44
Speaker 3: it and stuff.
4:45
Speaker 4: Yeah, I think the vinyl I think it's popular because
4:49
Speaker 4: it's tangible. So much of our entertainment now is just
4:53
Speaker 4: digital floating out there in the air, and you know,
4:57
Speaker 4: when you have the vinyl it's the whole album. Yeah,
5:02
Speaker 4: it's not just a song you're playing. You play through
5:04
Speaker 4: the album. You get to know the artists, you get
5:06
Speaker 4: to read the liner note, the liner notes that's what
5:08
Speaker 4: I was going to say, yes, and and And you're
5:11
Speaker 4: doing it on purpose. It's not just in the background.
5:13
Speaker 4: You have to set down on purpose and put that
5:16
Speaker 4: record on and make the time to do that. And
5:19
Speaker 4: it's a it's just a great way to, you know,
5:22
Speaker 4: have something real reintroduced to your life.
5:25
Speaker 3: I love it, and I love it. I was, you know,
5:27
Speaker 3: being a kid of the eighties when forty five records
5:29
Speaker 3: were a big thing. It was like when I first
5:31
Speaker 3: got in it got an interest in radio long before
5:34
Speaker 3: I ever got out. I was the kid that was
5:36
Speaker 3: buying like every forty five that came out. It didn't
5:38
Speaker 3: matter whether I liked it or not. I had it.
5:40
Speaker 3: I had just about. That's where all my extra money
5:43
Speaker 3: went was to forty and I had all of these
5:45
Speaker 3: forty five or I had the albums to John, but
5:47
Speaker 3: I had a lot of forty fives. I mean just
5:49
Speaker 3: about everything. If it was on Casey Case, I had it.
5:53
Speaker 3: I had it pretty much. And you know they're they're
5:55
Speaker 3: still floating around there somewhere. I don't know exactly where
5:57
Speaker 3: they are. Some of them are, you know, pretty good? Now,
6:00
Speaker 3: all right, so we'll go into your full time job
6:04
Speaker 3: and that whole financial thing that you do. So I
6:07
Speaker 3: mentioned earlier about the Christmas season, and every year at
6:12
Speaker 3: the end of the year, a couple of things happened,
6:14
Speaker 3: whether it's financial world, whether it's entertainment, whether it's new sports, whatever,
6:18
Speaker 3: a year in review of some kind. People, you've always
6:22
Speaker 3: got to do that and to look ahead to the future.
6:24
Speaker 3: So we're going to do a little bit of that.
6:26
Speaker 3: And this isn't your final show of the year, I
6:27
Speaker 3: don't think, because you got more to coming up. But
6:30
Speaker 3: I did want to say if you had to from
6:34
Speaker 3: We'll get to the future in a moment. But let's
6:35
Speaker 3: talk about the year that was twenty twenty five. With
6:38
Speaker 3: the economy with a certain amount of uncertain insertant. People
6:43
Speaker 3: just kind of give us a quick year in review
6:45
Speaker 3: of twenty twenty five.
6:46
Speaker 4: Well, the bottom line of the market has done very,
6:49
Speaker 4: very well over the last year. It had some a
6:53
Speaker 4: little bit of a breakdown in the early spring, and
6:56
Speaker 4: people thought the world was ending and quickly that it
7:00
Speaker 4: wasn't you know, when the tariffs were announced, they really
7:03
Speaker 4: upset the market for a short period of time, which
7:07
Speaker 4: kind of proves that, you know, companies are resilient. You know,
7:11
Speaker 4: companies are out there trying to serve their customers every
7:14
Speaker 4: day and trying to find the best way to do that,
7:17
Speaker 4: the most efficient way to do that. And yes, policies
7:20
Speaker 4: may change, but their goals are the same. How do
7:23
Speaker 4: we get this product to our customer, how do we
7:25
Speaker 4: serve our people that utilize our business, and how do
7:30
Speaker 4: we improve on that process?
7:32
Speaker 3: And and you know, businesses.
7:33
Speaker 4: Time and tom again, no matter what obstacles thrown in
7:36
Speaker 4: front of them, figure out how to do that. And
7:39
Speaker 4: you see that with the earnings this year and the
7:41
Speaker 4: projected earnings even next year. You know, earnings are growing,
7:45
Speaker 4: earnings are strong at these companies. They are resilient. And
7:50
Speaker 4: that's what happens with the market. And one of the
7:53
Speaker 4: things I wanted to talk about today. At the end
7:55
Speaker 4: of the year, you get all of these articles and
8:00
Speaker 4: clickbade out there of people who think they know what's
8:04
Speaker 4: going to happen. You know, at the end of the year,
8:06
Speaker 4: you get all these predictions. It's not just looking back,
8:09
Speaker 4: but looking forward. Oh, we think this is going to
8:12
Speaker 4: happen this year, And the reality is most of that
8:16
Speaker 4: is noise and most of it will be wrong. You know,
8:20
Speaker 4: all of those things are designed and nobody goes back
8:24
Speaker 4: and checks on these people.
8:25
Speaker 3: Yeah, status reports.
8:27
Speaker 4: Status of It's like, how did that? How did that?
8:29
Speaker 4: I mean, you think about this year, the way things
8:31
Speaker 4: played out. You know, the tariffs were going to be
8:34
Speaker 4: a disaster, you know, the Ukraine War a you know,
8:37
Speaker 4: interest rate changes, all of these things. Inflation is going
8:42
Speaker 4: to you know, all of these horror stories you know,
8:45
Speaker 4: eventually passed when we started talking about some other horror story,
8:48
Speaker 4: right right, Yeah, And and that's and that's the way
8:51
Speaker 4: it works. But but keep in mind the companies you
8:53
Speaker 4: own in the in the stock portfolio you have, they're
8:57
Speaker 4: out there doing their best to serve their people. And
9:01
Speaker 4: that's what really matters over time. And as an individual,
9:07
Speaker 4: it doesn't really matter what happens next month or the
9:10
Speaker 4: month after that, or the quarter or the half a
9:12
Speaker 4: year after that. You know, most folks are planning for
9:15
Speaker 4: long term goals. Even a retiree, the goal is to
9:19
Speaker 4: maintain a lifestyle and retirement. That's a long term goal.
9:23
Speaker 4: You know, you have to identify what's important to you
9:29
Speaker 4: and then build the plan around that. And once you
9:31
Speaker 4: do that and identify the right type of investment mixed
9:35
Speaker 4: to do that, you almost have to accept that the
9:38
Speaker 4: market is going to have ups and downs. There are
9:41
Speaker 4: going to be news stories that spook people from time
9:44
Speaker 4: to time. But if you own those quality companies and
9:47
Speaker 4: if you've bought them in a way where the plan
9:50
Speaker 4: is in place for your individual goal, that's what really matters.
9:55
Speaker 4: You know, focus on the things that you can control.
9:58
Speaker 4: You can control how you alec catch your funds. You
10:00
Speaker 4: can control how you live below your means and create
10:04
Speaker 4: savings and investment you know, regularly. You can control the
10:09
Speaker 4: tendency that you might have to panic when the market
10:13
Speaker 4: does go go or when you see that one little
10:16
Speaker 4: newsburb that's right, causes.
10:18
Speaker 3: People to panic because you said from time to time, right, So.
10:21
Speaker 4: All of those things are things that can make you
10:24
Speaker 4: stray away from what's important, and that's what's important to you,
10:28
Speaker 4: that's your individual goal. You know, it doesn't matter who
10:31
Speaker 4: gets elected, It doesn't matter, none of those things matter,
10:35
Speaker 4: because you still need to retire, no matter who the
10:38
Speaker 4: president is or who's controlling Congress, or what the tariff
10:42
Speaker 4: rates are you still.
10:44
Speaker 3: Have And if you're somebody let's say right now, that's
10:46
Speaker 3: let me just say that they're in their thirties. Okay,
10:48
Speaker 3: maybe one of your your clients are their thirties. By
10:51
Speaker 3: the time they get ready to retire, they're going to
10:53
Speaker 3: have gone through several different presidents, several different you know,
10:57
Speaker 3: the Republicans are in charge and Democrats are in charge.
10:59
Speaker 3: That's going to go back and forth. That's going to
11:01
Speaker 3: change several times throughout the course of somebody's lifestyle let's
11:04
Speaker 3: say early to mid twenties to whenever they retire, mid
11:08
Speaker 3: sixties or seventy or whatever, right, right, And even like
11:11
Speaker 3: you say, even a retiree that is sixty five years.
11:14
Speaker 5: Old, now they're not done. They're not done.
11:16
Speaker 4: You know, they might have thirty more years of investment
11:20
Speaker 4: management and planning to do. So those are the things
11:24
Speaker 4: that are important. What does your life look like? How
11:27
Speaker 4: do you build the portfolio around it? And that's really
11:30
Speaker 4: the value that I can bring to somebody's financial life.
11:34
Speaker 4: Trying to get that organized, trying to figure out what
11:37
Speaker 4: is important, what news out there is important, to filter
11:41
Speaker 4: it through so that you're not making knee jerk decisions.
11:45
Speaker 4: That is really you know, working with a financial advisor
11:49
Speaker 4: is not necessarily finding the person that knows what the
11:52
Speaker 4: right stock is going to be. It's understanding what your
11:57
Speaker 4: individual goal is and then building a place around that,
12:01
Speaker 4: and then keeping the focus on that plan, on the
12:05
Speaker 4: things that you can control. And if you do that,
12:07
Speaker 4: you're largely going to have good results over time.
12:10
Speaker 3: John Bredet's again from Fourth Avenue Financial on retire Right Radio,
12:14
Speaker 3: asked the experts you mentioned how nobody got that's interesting,
12:17
Speaker 3: how nobody really goes back when these people make predictions.
12:22
Speaker 3: Nobody fact checks them at the end of the year.
12:25
Speaker 3: While you said this and this didn't happen, you said this,
12:28
Speaker 3: and you got this right or whatever overall track records.
12:31
Speaker 3: You said, John, it's not very good.
12:32
Speaker 2: No.
12:33
Speaker 4: I actually have a book the bookshelf in my office,
12:36
Speaker 4: a book that was written I got a lot of
12:38
Speaker 4: playback in the day. But it's called Bankruptcy nineteen ninety nine,
12:43
Speaker 4: and it was like all about how it's all over
12:46
Speaker 4: for America in the world because of the debt and this,
12:52
Speaker 4: that and the other. You know, wonder what would happen
12:56
Speaker 4: if you'd interview that author today, he's not showing up
12:58
Speaker 4: when I.
12:59
Speaker 3: Thought maybe you were going throw in y two K
13:01
Speaker 3: in there somewhere as well. That's right, because that that
13:03
Speaker 3: was gonna be the end of all of us.
13:04
Speaker 4: Yeah, So, you know, there were those things that happened
13:07
Speaker 4: in those books that get written and those articles that
13:09
Speaker 4: get written, and the reality is, over time, the arc
13:16
Speaker 4: of history is pretty clear. I mean, I always go
13:19
Speaker 4: back to my great grandmother who was born in the
13:21
Speaker 4: eighteen nineties. When she was born, they rode horses, you know,
13:26
Speaker 4: no electric, no plumbing, indoors, you know, pretty basic rudimentary
13:32
Speaker 4: type existence. And during her lifetime she lived into the eighties,
13:36
Speaker 4: nineteen eighties, look at all the progress that was made.
13:39
Speaker 4: That doesn't mean bad stories didn't happen throughout their lifetime.
13:42
Speaker 4: Imbane World War One, where there was.
13:44
Speaker 3: A little thing called depression, the depression.
13:46
Speaker 4: You know, all of these things have happened, But look
13:49
Speaker 4: at the progress that was made. And when you own
13:52
Speaker 4: investments in in in portfolios and stocks and bonds, you're
13:57
Speaker 4: participating in that innovation, your participation in that growth. And
14:02
Speaker 4: unless you think humans have created everything that could be
14:07
Speaker 4: created and solved every problem out there, you have to
14:12
Speaker 4: be bullish on the companies that are out there working
14:14
Speaker 4: every day to solve those problems.
14:18
Speaker 3: Totally unrelated because I have a tendency to go off
14:20
Speaker 3: on a tangent every now and then. Have you ever
14:22
Speaker 3: seen anything in your years in financial planning or that
14:26
Speaker 3: you've been watching markets and watching innovations and things of
14:29
Speaker 3: that nature, have you ever seen anything that has gotten
14:31
Speaker 3: so many people alarmed other than y two k as
14:34
Speaker 3: Ai does? Yeah.
14:37
Speaker 4: I mean, I mean, certainly, anytime you have a new
14:40
Speaker 4: technology that is potentially a game changer, you know, there's
14:44
Speaker 4: fear wrapped around that. You know, you've seen that all along.
14:48
Speaker 4: I mean, certainly when the dot com era everything was changing.
14:56
Speaker 4: People back then we're thinking, hey, this is going to
14:58
Speaker 4: take all of our jobs. Well, it changed the way
15:02
Speaker 4: people work. You know, there are less people working in
15:05
Speaker 4: retail stores now, but there are more people, you know,
15:08
Speaker 4: working on the back end of fixing it when it breaks, right,
15:12
Speaker 4: So you know, the jobs change, And I mean that
15:17
Speaker 4: is certainly something that that a vibrant economy contends with
15:23
Speaker 4: all the time. You know, the course and buggy manufacturers
15:28
Speaker 4: didn't do so well after the automobile came about, and
15:32
Speaker 4: it's just going to be that way always. And AI
15:35
Speaker 4: is a technology that we really don't fully understand yet
15:40
Speaker 4: how it's going to play out. But history shows that
15:45
Speaker 4: what typically will happen is that you have the first
15:49
Speaker 4: gold rush like we have now. You know, a handful
15:53
Speaker 4: of companies are have really benefited from that gold rush,
15:58
Speaker 4: but what will have happen? And as an investor, what
16:02
Speaker 4: is important The companies that over time make the money
16:05
Speaker 4: are the individual companies that utilize that technology to improve
16:14
Speaker 4: their business processes, to make themselves more efficient. And that's
16:18
Speaker 4: really the legs of that development. It's not just the
16:24
Speaker 4: handful of companies, but if you participate in the market,
16:27
Speaker 4: you know, every company in America right now is thinking, Okay,
16:31
Speaker 4: what is this AI tool? How can we use it
16:33
Speaker 4: in our business? Does it improve our process? Does it
16:36
Speaker 4: improve our profitability? And they're going through that exercise right now.
16:42
Speaker 4: And that's how over the next five years, ten years,
16:48
Speaker 4: that's where you know that heads and that's really what's important.
16:52
Speaker 4: How do these tools get used in these individual.
16:54
Speaker 3: And if you think if you go back to the
16:55
Speaker 3: advent John of the Internet, when the internet first became
16:58
Speaker 3: a thing, like it was you said during the dot
17:00
Speaker 3: com right uh, bubble and that and that particular time.
17:03
Speaker 3: How much it's changed since then in what we use
17:06
Speaker 3: it for sure, I mean at the time it was
17:09
Speaker 3: uh in the nineties, it was entertainment. That's you know,
17:12
Speaker 3: that's what it was for Nobody. I don't think ever
17:14
Speaker 3: envisioned that somebody would do their Christmas shopping by setting
17:17
Speaker 3: on their couch or a phone and and picking out
17:22
Speaker 3: this and saying, Okay, I want this sent to Aunt Martha,
17:24
Speaker 3: I want this sent to Uncle John, you know, for
17:26
Speaker 3: Christmas and whatever or that we would be ordering apps
17:29
Speaker 3: and and or ordering uh uh cars and ubers and
17:33
Speaker 3: uh and and things of that nature. And the same
17:35
Speaker 3: with with AI. When AI first came out, and it's
17:39
Speaker 3: been out, you know, the chat GBT has been out
17:40
Speaker 3: for a couple of years now. Sure people thought, okay, well,
17:43
Speaker 3: this is just a way that we'll be able to
17:45
Speaker 3: help officers craft emails, you know, save a little bit
17:48
Speaker 3: of time. I can tell you that within this company
17:52
Speaker 3: we use it unbelieveably, me personally and not so much.
17:57
Speaker 3: I'm always the last one to the party. Well, I
17:59
Speaker 3: still think the Internet a passing fast but but but
18:01
Speaker 3: that's just me. Uh, but come come down and buy
18:04
Speaker 3: some records. Once you get the eight tracks, I'll be
18:07
Speaker 3: in there. Okay, a couple of Okay, I've got all right,
18:10
Speaker 3: I just have to have something to play them on.
18:11
Speaker 3: I was having this conversation with the other day about
18:14
Speaker 3: all the CDs I have. I said, I've got like
18:15
Speaker 3: seven hundred CDs and I simply don't have. I think
18:19
Speaker 3: my car because it's an uh. I think that my
18:24
Speaker 3: car still has a CD player because it's a it's
18:26
Speaker 3: a twenty eleven model. But but uh, but but some
18:30
Speaker 3: but some vehicles don't even come with it anymore. But
18:32
Speaker 3: but but but anyway, my point is is how how
18:35
Speaker 3: things change?
18:35
Speaker 4: Yeah, yeah, I mean And a good example of that.
18:38
Speaker 4: A couple of weeks ago, I ordered a pizza from
18:40
Speaker 4: a local shop and it was all a U when
18:45
Speaker 4: I when I dialed the phone. I mean, we're not
18:47
Speaker 4: talking a big company. We're talking somebody with one pizza shop.
18:51
Speaker 4: And it was a human voice, but it was a
18:54
Speaker 4: I and it walked you through the order. It was
18:59
Speaker 4: like convert conversing with the computer, and sure enough the
19:02
Speaker 4: order came. And that's one person in that operation that
19:06
Speaker 4: now can focus on the other parts of the service
19:09
Speaker 4: than answering that phone constantly. And and you know that's
19:13
Speaker 4: why I say incrementally, that's how AI I think will
19:17
Speaker 4: play out. Businesses will figure out how to use it.
19:20
Speaker 4: You know, when personal computers came along, you know, most
19:23
Speaker 4: people didn't have a personal computer. Business is you know,
19:27
Speaker 4: now there's a computer on every desk with tools that
19:30
Speaker 4: people use every single day that didn't exist forty years ago,
19:34
Speaker 4: thirty years ago, and it's now indispensable and part of business.
19:38
Speaker 4: And AI will I think play out that way. You know,
19:42
Speaker 4: could the uh you know, could sky net come and
19:46
Speaker 4: and and and you know, destroy the world. Well, it's
19:51
Speaker 4: I think fairly fairly unlikely. You know, there are horror
19:56
Speaker 4: stories like that from from almost every technology.
19:59
Speaker 3: The whole movie Maximum Overdrive, if you remember that movie
20:02
Speaker 3: in the eighteen eighties, was about the machine. Is the
20:05
Speaker 3: Stephen King thing about the machines taking over right and right.
20:08
Speaker 3: The only thing A lot of these machines are gonna
20:10
Speaker 3: do it or make us zombies. So I don't think
20:12
Speaker 3: we have to worry about zombie machines. I think a
20:14
Speaker 3: lot of these devices have made us zombies. I tell
20:16
Speaker 3: you that's that's the risk. I think of all of
20:18
Speaker 3: this technology is that if something ever happens to it,
20:21
Speaker 3: no one will know how to do anything anymore. Well,
20:24
Speaker 3: you think about this. We've gone off and we'll take
20:26
Speaker 3: a break after this. But you think about right now,
20:29
Speaker 3: how many phone numbers do you know off the top
20:31
Speaker 3: of your head? I mean maybe two? Three?
20:33
Speaker 5: Yeah, I know how to dial my wife.
20:36
Speaker 3: I could tell my wife. I could dial somebody that
20:40
Speaker 3: I dialed a lot, probably before smartphones, like my wife's
20:44
Speaker 3: brother and I are really good friends, so I could
20:46
Speaker 3: probably get him, and I can get my stepmother. That's
20:49
Speaker 3: the only three numbers that I know. I mean to
20:52
Speaker 3: be honest with you. Yeah, maybe the number out front here,
20:54
Speaker 3: maybe I should throw that out there, But that's about
20:56
Speaker 3: anybody else. If you asked me what you know one
20:59
Speaker 3: of my co workers, he has me with Dale Cooper's
21:00
Speaker 3: phone number is I couldn't tell you. Well, I'll tell
21:02
Speaker 3: you because it's in my phone. Let me tell folks
21:04
Speaker 3: my phone number. OK, there you go.
21:06
Speaker 4: How's that for a pluck? Yeah, Fourth Avenue Financial. If
21:09
Speaker 4: you want to talk about your personal situation, just give
21:13
Speaker 4: us a call three zero four seven four six seven
21:15
Speaker 4: nine seven seven if you can call, if I'm available,
21:19
Speaker 4: I'll certainly talk to you. If not, we can schedule
21:21
Speaker 4: a ten minute introductory call no charge.
21:24
Speaker 3: Just ask some questions I want to go over exactly
21:28
Speaker 3: what you do on those calls is well, we're going
21:29
Speaker 3: to take a break. We'll be back right after this.
21:31
Speaker 6: Retire Right Radio A sponsored by Fourth Avenue Financial, which
21:34
Speaker 6: is solely responsible for its content. Security, is offered through
21:37
Speaker 6: JW CALL Financial Member fent Recipic Investment advice offered through
21:40
Speaker 6: JW COL Advisors. Fourth Avenue Financial, jw CL Financial and
21:44
Speaker 6: JW COL Advisors are unaffiliated entities. The opinions expressed by
21:47
Speaker 6: John Burdet should not be construed as specific investment, legal.
21:51
Speaker 5: Or tax advice.
21:52
Speaker 6: All economic and performance information is historical and not indicative
21:55
Speaker 6: of future results. Investing may involve risk of loss of
21:58
Speaker 6: principle anytimes. Advice on this show is not intended to
22:01
Speaker 6: be used by any person for the purpose of avoiding
22:03
Speaker 6: US federal or state tax penalties that may be imposed
22:06
Speaker 6: on such a person, and each listeners should seek advice
22:09
Speaker 6: from their tax advisor or legal console on topics that
22:12
Speaker 6: arise from the show. John Burnett is not providing legal
22:15
Speaker 6: or tax advice. Nothing should be construed as solicitation of
22:18
Speaker 6: an offer to buy securities. This program is sponsored before
22:21
Speaker 6: the Avenue Financial which is solely responsible for its content.
22:25
Speaker 7: Ready to ride, well, let's roll then Member's Choice West
22:27
Speaker 7: Virginia Federal Credit Union makes it easy to hit the
22:29
Speaker 7: road with a low interest rate and favorable terms right now.
22:32
Speaker 7: During mcwv's limited time Autoline special, you can get rates
22:35
Speaker 7: as low as four point seventy five percent APR in
22:38
Speaker 7: terms up to seventy five months on new and used vehicles.
22:40
Speaker 7: That means lower payments, less stress, and more road trips
22:43
Speaker 7: and everyday drives in the car you really want. Don't
22:46
Speaker 7: settle for less when you can drive more. Apply today
22:49
Speaker 7: at members Choice WV dot com. When's your subject to
22:51
Speaker 7: credit approval? Additional restrictions may apply.
22:55
Speaker 8: I'm Brett Harper, your Charleston Edward Jones financial advisor. We're
22:58
Speaker 8: all about financial thevestments, but we also value the investments
23:02
Speaker 8: of time, patience, and encouragement our young athletes received from teachers, coaches,
23:07
Speaker 8: and mentors. That's why Edward Jones is a proud sponsor
23:10
Speaker 8: of Canall Valley High School football. Called Brett Harper at
23:14
Speaker 8: three zero four nine three to two zero one zero
23:17
Speaker 8: eight or visit Edward Jones dot com for all your
23:20
Speaker 8: investment needs. Edward Jones member SIPC.
23:25
Speaker 2: This is retire Right Radio with John Burdett from Fourth
23:29
Speaker 2: Avenue Financial, taking your calls at three oh four three
23:32
Speaker 2: four five fifty eight fifty eight or texts on three
23:35
Speaker 2: oh four nine three five fifty oh eight.
23:46
Speaker 3: Welcome back to the show. That's the song that you
23:49
Speaker 3: might hear. Little Steely Dan. There, big Steely Dan fans,
23:53
Speaker 3: let's do it again. Yeah, I'm a huge I became
23:56
Speaker 3: a Steely Dan fan. John. I was working at a
23:58
Speaker 3: rock station in Ohio, and I really wasn't that familiar
24:01
Speaker 3: with Steely Dan other than just the you know, the
24:04
Speaker 3: major hits. And I became such a huge Steely Dan fan.
24:06
Speaker 3: I mean this stuff like my old school, like dirty
24:10
Speaker 3: work and that kind of stuff. I'm a big Steely
24:12
Speaker 3: Dan fan. All right. Uh so I want to do
24:15
Speaker 3: talk about that initial set down. I call you and
24:18
Speaker 3: uh and I say, hey, need help. I want to
24:21
Speaker 3: I want to talk right, take us through that process. Yeah.
24:24
Speaker 4: I mean you can schedule, like I say, you can call,
24:27
Speaker 4: but if I'm if I'm tied up, which a largely
24:30
Speaker 4: I can be during the day.
24:32
Speaker 3: Generally, you'll dial the number.
24:35
Speaker 4: Somebody from my office will answer the phone and figure out,
24:38
Speaker 4: you know, what you're wanting to do. If you want
24:41
Speaker 4: to talk to me, they'll put a ten minute phone
24:44
Speaker 4: call on the calendar. I'll call you at that that
24:47
Speaker 4: scheduled time and we just chat. You know, you tell
24:51
Speaker 4: me what's on your mind. Why you what what? What
24:54
Speaker 4: was the reason for the inquiry? What was the reason
24:57
Speaker 4: for the call? There's something that has made you dial
25:00
Speaker 4: that number. Is it a retirement? Are you just wanting
25:03
Speaker 4: to check in to see if you're on track? You know,
25:06
Speaker 4: those those type of questions are pretty common. Sometimes we
25:10
Speaker 4: get the question, I'm retiring next week, what do I do?
25:14
Speaker 3: Find me some money? What do we do? You know?
25:17
Speaker 3: And that's fine.
25:18
Speaker 4: I mean, wherever you are, we can help you work
25:21
Speaker 4: with what you have to get you where you need
25:23
Speaker 4: to be and also give you peace of mind. I
25:27
Speaker 4: mean a lot of people out there that have saved
25:29
Speaker 4: diligently and therefore oh one k have done well and
25:32
Speaker 4: have enough funds to do the things they want to do.
25:36
Speaker 4: But there's a change when you retire. You know, you're
25:39
Speaker 4: going from savor to now you're withdrawing. Psychologically, that's a
25:44
Speaker 4: hard thing for a lot of folks to get to
25:48
Speaker 4: because it's a dynamic.
25:50
Speaker 3: And you think about just in your bank account. I mean,
25:52
Speaker 3: you're used to seeing that paycheck it every couple of weeks,
25:54
Speaker 3: and you, like you said, we were talking about technology,
25:56
Speaker 3: check it on your phone or however, did you check Okay,
25:58
Speaker 3: I got my X amount of dollars in here? Okay,
26:00
Speaker 3: Suddenly that's I mean, you may get your retirement check
26:03
Speaker 3: or whatever, but you're going to find it's a whole
26:04
Speaker 3: lot less than I mean most cases than what it
26:07
Speaker 3: was before. That's got to be, like you said, kind
26:08
Speaker 3: of a psychological thing.
26:09
Speaker 4: Yeah, And so working with that figuring out okay, this
26:13
Speaker 4: will work. You know, we can we can plan this
26:16
Speaker 4: is how you structure it so that you protect yourself
26:19
Speaker 4: against market volatility, and you know, kind of go through
26:23
Speaker 4: those those paces. And on the introductory call though, we're
26:27
Speaker 4: really just getting to know one another, you know, getting
26:30
Speaker 4: an overview of a thirty thousand foot of your situation
26:33
Speaker 4: to see if you want to at that point move
26:36
Speaker 4: forward and schedule an appointment.
26:38
Speaker 3: Now, when I make that call to you, should I
26:40
Speaker 3: have it? I mean, I know it's just the initial call.
26:42
Speaker 3: We're just talking. But should I have something prepared, like
26:45
Speaker 3: in front of them, you know, have access to my
26:47
Speaker 3: records or anything at that point.
26:49
Speaker 4: Generally we will send out a questionnaire. If you call
26:51
Speaker 4: the office and you want to talk with that introductory
26:54
Speaker 4: we'll send out a little questionnaire that you can answer
26:57
Speaker 4: some basic questions and get back to me before the call,
27:00
Speaker 4: so I have a little background information and we can
27:02
Speaker 4: be more productive. You know, it's not always it's not
27:06
Speaker 4: really required if you just have a few questions, but
27:10
Speaker 4: if you're wanting me to kind of dig in a
27:12
Speaker 4: little bit on that initial call and really understand your situation,
27:17
Speaker 4: you know, it's wise to return that to me because
27:20
Speaker 4: it gives me some information to be you know, like
27:23
Speaker 4: I say, be productive on that call.
27:25
Speaker 3: What's the most common misconception that you get in retirement planning?
27:29
Speaker 3: I mean that people think X. What is that? Well,
27:33
Speaker 3: a lot of.
27:34
Speaker 4: Times it's life expectancy. You know, Folks don't expect that
27:42
Speaker 4: they're going to live as long as typically we do.
27:44
Speaker 4: In retirement, we have a lot of that. You know,
27:46
Speaker 4: Oh you know, if this last fifteen years, I'll be good. Well,
27:49
Speaker 4: statistically it might need the last thirty and so we
27:55
Speaker 4: have a lot of those type of questions. I think
27:57
Speaker 4: that's probably you know, misunderstanding that. And then the fact that, oh,
28:05
Speaker 4: if I went to this the last twenty years, I
28:07
Speaker 4: just divided it by twenty and it'll last twenty years. Well,
28:11
Speaker 4: you know, you have to inflation. It's another big one
28:14
Speaker 4: that people miss. It's not you have to grow your
28:17
Speaker 4: money at least as fast as inflation or you'll feel
28:20
Speaker 4: the pinch sometime. And you're retirement, so you know the
28:24
Speaker 4: concept of of you know, cost of living increases in retirement.
28:29
Speaker 4: How do you get a pay raise when you're not working, Well,
28:32
Speaker 4: your companies have to give that to you over time.
28:35
Speaker 4: You know, how does that play out? How does that
28:37
Speaker 4: look over the next twenty or thirty years. And that
28:40
Speaker 4: can be surprising to people as well. I want to
28:44
Speaker 4: talk about the economy here for a moment. This kind
28:46
Speaker 4: of goes back to what the theme was that everybody
28:49
Speaker 4: is a predictor. You know, this is what twenty twenty
28:51
Speaker 4: six is going to hold. And you know, we hear
28:53
Speaker 4: that word thrown around a lot, and we're not going
28:55
Speaker 4: to turn this political, but we do hear that word
28:57
Speaker 4: affordability thrown out there. That's that's the buzz word right now.
29:00
Speaker 4: Is affordable completely completely understand it. You know, one, how
29:06
Speaker 4: does that translate into retirement planning? Well, like I say,
29:09
Speaker 4: the cost of living over time will go up and
29:13
Speaker 4: and you know, we really kind of hope it does,
29:15
Speaker 4: or or we get into a little thing called like
29:18
Speaker 4: the Great Depression, where costs when actually went down. You know,
29:21
Speaker 4: I think that is the disconnect. Politicians, I think are
29:24
Speaker 4: making a mistake talking about prices are coming down. Prices
29:29
Speaker 4: are not coming down. They're just not growing as fast
29:33
Speaker 4: as they were a few years ago. You know, the
29:35
Speaker 4: FED that is targeting two percent inflation, that means prices
29:39
Speaker 4: go up two percent, doesn't mean they're going back to
29:43
Speaker 4: what they were in the year two thousand and and
29:47
Speaker 4: and we as you know, we really don't want that
29:50
Speaker 4: to happen. It might sound good, but you've got to
29:54
Speaker 4: think about in the last handful of years, look at
29:57
Speaker 4: all the financing that's taken place predicated on the new reality.
30:04
Speaker 4: How many homes have been financed based on a new reality.
30:08
Speaker 4: How many businesses have taken the loans and bought equipment
30:11
Speaker 4: and things like that based on that new reality and
30:13
Speaker 4: the ability to produce a certain income.
30:15
Speaker 3: To pay for that.
30:17
Speaker 4: If prices are falling, you know, that's actually could spell
30:23
Speaker 4: some some disaster. So prices aren't actually falling, nor do
30:27
Speaker 4: we really want them to to fall. Not not across
30:32
Speaker 4: the board. I mean, certain industries might have new efficiencies
30:35
Speaker 4: or new technologies that that lower the cost, but the
30:39
Speaker 4: actual you know, dollars of of going back to you know,
30:44
Speaker 4: valuations five years ago, that's that's not happening. And even
30:48
Speaker 4: right now with inflation being quote more under control, prices
30:53
Speaker 4: are still growing. And that, you know, historically is a
30:59
Speaker 4: pretty normal situation, just the way things are set up.
31:04
Speaker 4: And that's something I think is very important when you're
31:06
Speaker 4: talking about retirement, John, This is why they need to
31:08
Speaker 4: talk to you, because you know, my wife and I
31:11
Speaker 4: we we retire and we're set to you know, float
31:15
Speaker 4: on out through our golden years or whatever.
31:16
Speaker 3: But these prices just keep going up and up and up,
31:18
Speaker 3: and maybe what I'm getting in is not going up
31:20
Speaker 3: and up up right.
31:21
Speaker 4: Well, And if you think about it, when I was
31:25
Speaker 4: born I'm in my early fifties. When I was born,
31:28
Speaker 4: a postage stamp was a nickel, and I think they're
31:31
Speaker 4: sixty eight cents now, I believe, which shocked me when
31:34
Speaker 4: I got the stamps for the Christmas cards.
31:36
Speaker 3: Let's that's where but the only time of the year
31:40
Speaker 3: that you actually know.
31:41
Speaker 4: Yeah, well, when you buy a bunch of them, you're like,
31:43
Speaker 4: whoa wait a second here. But you know, if your
31:47
Speaker 4: money isn't growing to keep up with that, you're going
31:50
Speaker 4: to feel that pinch. You know the postage stamp, you
31:54
Speaker 4: know thirty five years ago was twenty cents. Well it's
31:57
Speaker 4: more than tripled in thirty five year. I mean, there
32:00
Speaker 4: are a lot of people that have a thirty five
32:01
Speaker 4: year retirement. If your money doesn't triple, if your income
32:05
Speaker 4: doesn't triple, you will fill the pinch. And that is
32:09
Speaker 4: something that the inflation when it's in control, growing two
32:15
Speaker 4: three percent a year, people deal with it. But over
32:22
Speaker 4: ten years, over twenty years, that makes a huge compounding difference.
32:27
Speaker 4: You know how your money compounds as you're saving and
32:29
Speaker 4: it grows over time. Well, that's what the prices are
32:32
Speaker 4: doing too. It's compounding and you have to keep up
32:36
Speaker 4: with that.
32:37
Speaker 3: I don't know if this is necessarily anything that you
32:40
Speaker 3: could speak to, but I'll just throw it out there.
32:43
Speaker 3: I hear so many younger people. And by younger, I mean,
32:47
Speaker 3: let's just say they're just beginning their full time work life.
32:50
Speaker 3: They've either gone through college or they've gone through a
32:52
Speaker 3: trade or whatever. They're beginning that twenty four to twenty four,
32:55
Speaker 3: whatever they are. And I hear so many people not
32:58
Speaker 3: only here but in other places that and I re online.
33:00
Speaker 3: They'll say there's no way I can afford a house,
33:05
Speaker 3: I can afford insurance and a lifestyle like my parents had,
33:10
Speaker 3: and that it's disingenuous to look at a young person
33:14
Speaker 3: today twenty four to twenty five years old, at somebody
33:17
Speaker 3: I'm a few years older than you, but at somebody
33:19
Speaker 3: of my age, my mid fifties, to look at somebody
33:21
Speaker 3: that's twenty three twenty four years old ago, well, just
33:23
Speaker 3: do better because it's a different it's a different world.
33:27
Speaker 4: Yes, I mean, there are opportunities, and I believe more
33:32
Speaker 4: opportunities today for people to be successful if they put
33:37
Speaker 4: their mind to it. And it's just understanding the basic
33:40
Speaker 4: process of wealth creation. Are there challenges today?
33:45
Speaker 3: Yes?
33:45
Speaker 4: Are they different than the challenges that maybe you and
33:48
Speaker 4: I had when we were going through that stage of life.
33:51
Speaker 4: Our challenges were different than what our parents had too.
33:54
Speaker 4: That's part. And these kids now, these younger people.
33:56
Speaker 3: That if they have kids, you know, there's will be different.
34:00
Speaker 4: Maybe maybe as far as your paycheck goes. A house
34:04
Speaker 4: is more expensive, but guess what, your computers are less expensive,
34:10
Speaker 4: your TVs are less expensive. The amount of hours a
34:13
Speaker 4: person has to work today to buy a new refrigerator
34:16
Speaker 4: or buy a new washing machine is much less than
34:19
Speaker 4: it was thirty years ago, forty years ago.
34:23
Speaker 3: So things are.
34:24
Speaker 4: Different, and that's that's just the dynamic, damic nature of
34:28
Speaker 4: the of the economy. The reality is the rules haven't changed.
34:36
Speaker 4: You earn money by serving people. Go out and do
34:39
Speaker 4: your job, do it well, and over time you'll earn money,
34:42
Speaker 4: and your earn more money the better you serve generally,
34:47
Speaker 4: and then you just live below your means, create savings
34:51
Speaker 4: and investment regularly. That's that's what you need to do.
34:55
Speaker 4: And if you do that, stay out of that consumer debt,
34:58
Speaker 4: which you will if you're being below your means, then
35:03
Speaker 4: all of those things will take care of themselves.
35:05
Speaker 3: I read a comment the other day. I was sometimes,
35:07
Speaker 3: you know, they tell us in this business don't read
35:09
Speaker 3: the comments. But it was in some sort of a
35:12
Speaker 3: national publication and you showed up on social media and
35:14
Speaker 3: I was reading the comments and people were and somebody
35:18
Speaker 3: said exactly what you said. They said, well, you know,
35:20
Speaker 3: live below your means. But then this person fired back
35:24
Speaker 3: and said, well, I work hard. If I want to
35:26
Speaker 3: have fill in here, I'm going to I'm not going
35:29
Speaker 3: to deprive myself. And that's okay, that is certainly you're right. However,
35:34
Speaker 3: it's a trade off. Don't don't come complain.
35:36
Speaker 4: And everything in life is has everything, certainly in the
35:39
Speaker 4: financial life has a trade off. You know, the folks
35:43
Speaker 4: that are the most successful financially tend to be the
35:47
Speaker 4: people that can delay gratification. It's it's just a state
35:52
Speaker 4: of mind that that you know people have, and and
35:57
Speaker 4: you could cultivate that in yourself. You know, you say, well,
36:01
Speaker 4: that's only five dollars, I'm going to buy that. Well,
36:04
Speaker 4: the way compound interest works, that five dollars maybe two
36:08
Speaker 4: hundred dollars of your retirement money that you just spent
36:12
Speaker 4: because of the power of compounding interest and investments. So
36:15
Speaker 4: every five dollars you waste today, it could be two
36:18
Speaker 4: hundred dollars that would have been there for retirement. If
36:21
Speaker 4: you're twenty some years old. You know you have to
36:24
Speaker 4: be aware of those things, and it's a choice you make.
36:27
Speaker 4: It truly is a choice. And I think a lot
36:29
Speaker 4: of times folks buy into this victim type mentality that
36:35
Speaker 4: things are stacked against them and things are always you know,
36:39
Speaker 4: nothing is easy and they never have been. Like I say,
36:42
Speaker 4: the challenges might be different, but you still largely control
36:47
Speaker 4: your future if you focus on.
36:50
Speaker 3: It as you're drinking your ten dollars coffee, you know,
36:53
Speaker 3: with the latest cell phone and whatever else you've got.
36:57
Speaker 3: Go back and tell your great grandparents about the albums
37:01
Speaker 3: when they survived the depression, and like.
37:03
Speaker 4: You say, those I think if you buy too much
37:07
Speaker 4: into it psychologically that all there's no hope. Well what
37:10
Speaker 4: does that make you want to do? It doesn't matter.
37:12
Speaker 4: I'll just go buy that item. Might as well enjoy
37:16
Speaker 4: it because there's no hope for the future. Well, that
37:18
Speaker 4: sucks you right into making that fear that you have
37:22
Speaker 4: a reality.
37:22
Speaker 3: All right, we got to start to wrap it up here.
37:24
Speaker 3: Anything else quickly in mind that we didn't cover today.
37:27
Speaker 3: Oh I don't think so. I think we pretty well
37:29
Speaker 3: from albums over to the new phones and interesting I'll
37:33
Speaker 3: say this. You were talking about about the phones. I
37:35
Speaker 3: don't think that people years ago thought we would be
37:37
Speaker 3: carrying a computer with us. I meant computers that everything
37:40
Speaker 3: that everybody doesn't need a big PC like they had
37:43
Speaker 3: twenty years ago. It's in your hand. And when your
37:46
Speaker 3: teachers told you back in the day you won't be
37:47
Speaker 3: able to carry a calculator with you wherever you go, Yeah,
37:49
Speaker 3: they kind of.
37:50
Speaker 5: Lied, that's right. Guess we do give.
37:52
Speaker 3: Your contact information again, John, Fourth Avenue Financial.
37:56
Speaker 4: Yeah, and the office is downtown Charleston, one seventy Court
37:59
Speaker 4: Street and really easy to get to. We have parking
38:02
Speaker 4: one site. My phone numbers three zero four seven four
38:07
Speaker 4: six seven on seven seven.
38:09
Speaker 2: Uh.
38:09
Speaker 4: The website is fourth Avenue Financial dot com, all spelled out.
38:14
Speaker 4: You can even schedule your own free ten minute phone
38:17
Speaker 4: call right online too.
38:18
Speaker 3: All right, John, cooping back with you next week. I
38:21
Speaker 3: guess you'll be doing the show next week, ran yes,
38:23
Speaker 3: all right here, all right, Uh, we will be talking
38:26
Speaker 3: to you. I'll be talking to you on five eighty
38:28
Speaker 3: Live giving up at the top of the hour afternoons.
38:30
Speaker 3: Appreciate man, Thanks, all right.
38:31
Speaker 2: Thank you. See it just Anty six point Charleston, one
38:34
Speaker 2: oh four point five Cross Lane w u v RC
38:37
Speaker 2: Media Station. We're proud to live here too,