Love
In a traveling mister rochelle.
Yes. I left the thomas.
In a traveling
shaw.
Yes
Just like a
I have never met.
But I learned to find the time.
I have never.
But I plan to.
Yes, I do.
Because he looks so fine
that.
Welcome to the Tom Show for our financial
hour brought to you by the Pre financial
group. Where we make your money work for
you, Joining us.
Chad S, and here is our host, Tom
D p.
So this is the fourth song
I played from the Album pretzel logic.
Us steel dan,
and
it's basically,
the it's a it's kind of a 12
bar blues is
shuffle if you will. But
the vocals,
or the lyrics are kind of about time
travel going back in time.
You know, I'd love to be a singer
in a traveling menstrual show,
I'd like to be with Napoleon. That's the.
Platform. Yeah. This is good. This is this
is a good
cleanup up. He said you must be jo
song, where did you get the
What's good.
Gotta be joking someone? Where did you get
those shoes?
You know, it reminds me of a...
Do you ever watched the movie patton?
Like,
in the movie patent, Patton talks about having
been
at former wars.
He thought of himself as having been
rein,
you know,
And, oh, I... They were at some plain,
in Greece, maybe Malta,
He talked about a a battle that was
there,
and he said I was there.
Sometimes I look at the market,
and I feel like
You know, I've I've been rein.
It... It's... This is,
I've seen all this before.
All these emotions. And yet they feel so
new.
And history doesn't always repeat in certain crimes.
Yeah.
That's a good that's a good point, but,
you know, you you pulled out this,
really interesting article.
That is about
a
a study done by Vanguard.
And
what they looked at was
people
who rolled over their 04:01 k's
into a vanguard our ray.
And something like over half of them had
stayed in cash for the last 8 years
can money market funds,
about a about a third of them had
stayed in money market funds. So basically, they
missed out on 7 years of market returns,
and this is when cash was
nothing. I mean, it wasn't wasn't earning any.
So a third of them at stayed in
cash. Right. Okay.
Now
I've been around
this
business for long enough to know
that you simply
never...
Build
any kind of
staying in cash.
It just doesn't happen.
And if you're in cash,
it should simply be an interval.
Because the way money is made in investing
is by being
invested and
Vanguard
concluded, and this is an article from Bloomberg.
I don't know why anybody would subscribe to.
Well, actually, it's a... It's Wall Street Journal,
Bloomberg burton ripping them off. So they reprint
it. Yep.
It's a joke. It's kind of an inside
joke we have here.
Americans with cash heavy Ira gave up. More
than a hundred and 72000000000
dollars a year
in retirement wealth they could have generated by
investing in stocks and bonds. The
Vanguard
study
concludes. Now that's
completely a blanket
sort of statement predicated upon everybody being in
the S and P 500 or something like
that and nobody ever is. They don't break
down the mix of stocks and funds. But
right. Know. The the point of the article,
the point of the study is that...
Yeah
people,
I think people have a fear
of getting it wrong.
Sometimes that fear is greater
than the fear
of missing out on gains.
That's all I can conclude
I will say this
that
having been in the investment business as long
as I have.
I started in the business,
when you still somewhat had
fixed commissions,
so that where you went
you you didn't have
firms were not negotiating commissions. And we had
no such thing
as Ira and 4 1 case. Within a
year
of me getting in the business,
Ira got started, 04:01 case got started,
and then
the commission rates began to come down.
Started and now commissions are
almost 0.
The
In order to gain information about stocks and
bonds back in 19 78 or 80,
you had to subscribe... Very expensive services
that gave you a lot of information that
you couldn't understand today. There are basically
free
the
services out there for lots of folks.
And yet there are still many, many people
who are completely
uneducated about
how to invest their own money. They don't.
They they haven't either they either haven't taken
advantage of
the
information that's available
or they just don't know how and they
haven't learned how.
And this is why I have a job
is because
my job
is to help you
the investor,
get your toe in the water, get your
money working for you,
and moving in the right
direction,
getting the money invested
and growing.
Because many of you just won't do it
or don't do it.
And now
Vanguard,
is showing us
that it's a fact.
A lot of folks just aren't doing it.
And
in their summary, I actually looked at looked
up the Vanguard study as well, but they're
saying that their estimation
for investors under the age of 55, and
I think they're assuming the
investor is in cash,
but they... If they roll over their funds
And I... It's not age 55 to 65.
It's just investors under age 55,
they think that if you put money in
a target date fund that's appropriate to your
age.
It means you'll add about a hundred and
30000
dollars to your balance in your Ira. And
that's just hard fun. Right. That's not even
trying to to do anything other than participate
in the broad market. Yeah.
I mean, it's it's it's mind boggling. And
I mean, it's the reasons that people don't
invest the money, sometimes they're they're afraid that's
getting ready to go down. But sometimes, I
mean, that... This is what I I found
government shocking was, they surveyed, some people
who had rolled their money over in 20
23 and found that
68 percent of them who were sitting in
cash, thought they had invested. They had no
idea they weren't invested. So they just... I
mean,
I mean,
you gotta pay a little bit of attention
I think. So they thought just by virtue
of putting it in the Ira.
It somehow got invested. Well, that's just not
reading the instructions. Right. They they thought there
was a some type of a 04:01 k.
You know, was gonna be the same where
maybe there was a default investment, but the
laws and rules are different for Ira than
for 4 or 1 case. So,
basically, you You have to
for. 4 1 or a an ira by
nature of what its name is it's an
individual.
Retirement account,
individual, which means that it is your retirement
account, which means that you
are the responsible party
for getting the money
in your Ira
invested the way you
individually want to invest it.
By nature,
an individual
retirement account can never be part of a
pool
like AA41K
is.
It's never gonna be a joint account.
Individual retirement account is an individual account. It
always... You can leave it to a spouse
or a loved 1.
As the beneficiary. But while you're alive, it's
only your account. Therefore you alone
are responsible
for how it gets invested? Now, can you
come to an adviser and say, I want
you to manage my individual
retirement account for me. Absolutely.
That's why we're here.
But
you have to make that investment decision. The
money is not gonna get invested. On its
own just because you rolled it into a
brokerage account that says Ira on it. By
default,
that money will probably go in a money
market fund. And you're gonna get paid whatever
the money market funds getting paid and up
until a year and a half, 2 years
ago, they were paying effectively 0.
So if you
were keeping your money in
a money market fund for the... Last 6,
7 years,
you weren't getting very much in the way
of
interest or dividends.
And
I guess, I I hesitate to sc any
potential listeners, but I'm gonna do it anyway.
It's a case of being penny wise and
pound absolutely worried about, Hey, I don't wanna
pay a a management fee? What have you
given up? What is the opportunity cost because
you've sat in cash? I mean, these
investors. I mean, what the Vanguard study also
found is they... Somebody had funded a a
rollover in cash, and it stayed in cash
for 12 months.
He was highly likely. It would still be
in cash 6 years later. So... Good. Yeah.
I mean, I just can't even imagine losing
out on that much.
In lost... I mean, opportunity cost lost market
returns
because some power are just. Yeah.
They might even have known about it, and
they said, I'm okay with that. You know?
Yeah. At least the money is there. They...
What they're not taking into account.
Is what inflation is doing to their money.
There are many people.
And part of what we do
with the show and and what we're talking
to people.
If we're if we're investing money
in dollar den
security which we do.
We're therefore going to have to talk about
dollars.
What are dollars?
Dollars are a
means of exchange
to unit of exchange.
And as
the government
the fed, the treasury
prints more money,
those dollars become deb debate, and that thing
is called inflation and what it means
is that it takes more of those dollars
to buy
a certain thing or a certain basket of
things
each year. There people have been talking about
how Guy bought a hundred and 50 dollars
worth of stuff at Walmart
2 and a half years ago, It's now
it costs 400 or something. Right I don't
know if that's true or not. I do
know that it's more expensive now.
And
if you're...
The the the only reason,
the only reason
to invest.
The only reason to invest
is to crease the purchasing power of the
dollars that you invest. That's it.
People can say, oh, I like buying companies
and stuff like that. You don't like buying
them if they don't increase
you know, the purchasing power of your money,
there is absolutely no reason to invest other
than to increase the purchasing power, of the
money you invest in there to have it
grow because now
you can buy more stuff with it as
long as you're getting ahead
of what inflation is taken away from you.
Folks, if you're not... If you're a retirement
investor, and you're not thinking about this stuff
at least from time to time of you're
dropping the ball.
Not getting it done.
It well, in in the
the T of this, though is that, I
mean,
inflation has been running rampant. And I just...
I'm, I'm not convinced that we've accurately
tracked it. I mean, it could not agree
with you the Cpi since
to is basically, things cost 10 percent more
your money's worth the last, you know,
80... Some stuff up way more than it
was. Right. I mean, but on average, that's
that's how much you've lost. So whatever, you
know, if you're
if you're getting some sort of an income
from your retirement portfolio,
what you're buying with the with the income
it's generating is is increased by... 10 percent.
So you're gonna have to either do without
or,
hopefully, have your money invested where it's actually
keeping up with with that inflation. So that's
something we focus on here. I mean, 1
thing I wanna point out, you're talking about
growth and of your purchasing power.
That can come in a common... A combination
of of growth from an underlying stock, but
it can also come by,
a company that maybe it's more mature, but
they're generating a dividend, they're paying a dividend
that's that's ahead of the rate of inflation.
Which can compound over time. Right. You can
reinvest what you don't need and and compound.
But, I mean, they're... We're looking at the
total return of the whole... Portfolio and the
components of the portfolio when we put this
together. We've spent a lot of time
trying to create something that works in harmony,
and
generates the income you need and and and
has some growth so you can keep up,
but your purchasing power won't fall behind.
Yeah. It
this isn't
rocket science.
We're not really doing a rocket science show
today. We're... We're we do do. We normally
do. Yeah Yeah.
We do. Mike's not here. So we can
do it. Well, that's...
Yeah. But
when we do a rocket science show, it's
real cool.
But
the
it's it's as a... An old football term,
it's blocking and tackling. It's simply doing the
simple things.
You know, investing takes time. You have to
focus on
what you're doing, putting the money into and
if you're not a person that knows how
to do that or wants to do that.
For yourself, that's why you talk to an
adviser. Is
Okay.
Because we have had folks come in here
and they... They're... The money's in cash
and
Yes. They wanna get it invested. But you
have to make that
sort of mental leap
to say to yourself, I know I'm not
getting...
I'm I'm not where I need to be
in terms of the growth of my money.
And my money is not gonna keep up
with inflation, and I'm not gonna be able
to buy as many things with it
as I would like to.
And
this is not an easy thing for some
folks to come to because
it it's it it involves an emotional.
I think the use and and care of
money
is way more emotional
than it is intellectual.
I really do. I I think that
there's a lot of emotion in it. There's
a fear of not having or missing out
all those fears that people have in life
get transferred
into their finances.
And
one's gotta be fairly strong at times. If
you don't like doing all that stuff yourself,
or you'd like to have someone to help
you walk through it. That's what we do.
Listen.
And
It's not always easy. I mean, that this
job
can be
a tough job.
I mean, I gotta work with Chad.
And and Elizabeth and Mike. I mean, you
know, come on. You know that conditions can
get such that even though you know...
That
your company you're invested in that's now under
fire is
still
fine. Nothing's really happened. Well, that short term,
the market get a most Gonna be an
intellectual choice
based on research. Right. Which is the other
part of what we're trying to say
is that
if you've done the research,
and and research
in this business is a acc thing.
You do it this year. You do it
next year. You do it. You've done it
for 10 years. You start seeing things you've
seen before, and that's
why
experience can be very helpful to you in
this business.
This is what we do. You know, you
can call us as Elizabeth gonna tell you
how to do it. How to call us.
Do you want me to kick on in?
Because I can do that? Just as long
as you don't kick me in.
That's next.
That's coming.
You've been listening the top show with chad
stu or a host Tom pre brought to
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Remember
Were still september.
When your daddy was quite surprised.
To you with the
the
Was
upstairs
Welcome back to the Tom Du show brought
up to you by a pre financial group
where we make your money work for you.
Joining us.
Chad S.
And here is our host, Tom Du.
Okay.
This is a song from
a different album.
It's called countdown to ecstasy. It's still by
steel dan.
It's called My school, and it's talking...
About bard college,
which is up on the Hudson River in
Duchess County,
play this part.
Okay. Well, that... This is kind of a
frame. Don't don't turn it off yet.
Alright. And evidently in 19 69,
there was a large drug bust
for marijuana on the campus of
barred,
44
students were put in jail here. Here we
go.
Oh, that's just other the pm. I thought
that was...
Where he said about. How about now? Yeah.
Where says California Tunnels it. There you go.
I love that.
They almost can see it tumbling.
Okay. He says, I've never going back at
all
because of that
thing that happened. He actually did go back.
For talk about the drive burst? No.
Backed up to
Anna New York
on the Hudson River where barred
college is.
Bart college is like a
type college
founded by an epi companion guy. Used to
call Saint Stephen's college, and they changed it
to his name.
And anyway,
Donald Fa got put in jail
because he was in around marijuana being sold,
and he had long hair.
It was a long here. Anyway, at least
he didn't have a man bun. Right? Yeah.
I don't know what he. But all I
can tell you is that it's a good
song
And a lot of people don't like steel
dan. I mean, they... It's just the lyrics
or
q kinda
cryptic,
and they just think the song sounds similar
in this... Let me tell you. I think
they're fantastic music makers
And I think the the music gets better
with every passing year. And these are early
albums
that I've played from. You know, Pretzel logic
was an early album.
So was countdown to x. See. I mean,
you get into these out later albums like
Gal show,
and Asia,
those are...
You're basically into jazz now. I mean, and
these guys are really good. I I don't
know. III tell people, 1 1 week, I
say, start listening to Tommy.
And then now I'm saying... By the who.
Star listening to this sit steel dan.
I feel like on the music part of
it, it's simply my job.
To point out good music from the past
that I can assure you
is not being played in waiting rooms
or at workout gyms or you're not gonna
hear this music on media,
anywhere outside of, say deep cuts on
sirius axiom or something. Because otherwise, you're just
not hearing it. Well, and you've touched on
this before, but they have
used to be a great honor. I guess,
it it always was. But to be asked
to play on an album. That's steel
Dan was producing. I mean, they had some
phenomenal musicians. They had they did nothing, but
interchange
session musicians and they you know, Donald Fa
was sad, we ought to get so and
so on this and song and whatnot, and
they would they would switch it around.
And there were really some good sec... Session
musicians out there. Alright. Let's get to our
topic here since
our half hour
is fleeing away.
Someday you will have to spend your nest
egg.
Why you need to plan ahead for that.
Let me just tell a story.
That pertains to this.
I've had several
typically, this is
elderly
or
women usually that
our clients, many of whom have way more
money than
anybody's got.
And
1 of the reasons that they
have so much money
is
because they have this
peculiar your turn of mind
where
whatever's in their investment account,
They kinda pretend like they don't have it,
and whatever's in their checking account, that's how
much money they've got.
And so what happens is you might have
a a lady that's got
a million and a half or 2000000 or
more
in her
investment accounts, including her Ira, and then she's
got 22000
dollars
in her checking account. So she kinda mentally
pretends like that's all the money she's got.
This happens a lot.
And many of those people simply will never
spin their nest. They're not ever going to.
They're gonna die with it in their account.
It's gonna go
to un
heirs
who could, you know,
who who who are not grateful for what
they're being given
because
Granny
or mother
just refused
to spend any money.
I mean, I'm sitting next to 1 now.
Like that.
And
you know,
she's shaking her head,
You know your license. Some somebody's gotta gotta
protect the. What are we gonna... What what
what are we gonna do, Honey?
I don't know to which you are a
referring. Yeah. Okay. Yeah. Well, even, you say
even though... I mean, there people out there
who have 200000
dollars in their checking account, and they don't
wanna have that number drop below 200000. It's
might as well be 0.
The checking account is the absolutely worst place.
Now if you're gonna keep 200 that... Alright.
Let's assume you don't wanna invest in stocks
in money. I... And that my last
half hour was completely wasted on you.
You didn't wanna listen to it. You're knocked...
Gonna listen. So you're gonna keep money in
cash. At least make sure
it's in a money market fund because right
now, money market funds are paying
on the upper end of 4 percent, almost
5 percent.
You know,
if you're gonna have 200000
bucks sitting around,
earn 10000
dollars on it over the next year. If
that's if rates don't pre precipitation
That was gonna be my next question because
we talk all the time about how people
have hung their hats on money market funds.
And that's not always gonna produce what it's
producing Well We we're we we us another
boat. We had an abe operation in my
opinion
where money market rates basically got down to
0 for an extended period of time. I
don't believe they'll ever be that low again,
not in my career.
Are they gonna stay at 5 percent, probably
not.
I think if you see the Fed genuinely
start cutting interest rates, and some are now
saying it could be as soon as the
August meeting and not the September meeting. But
let's just assume that they do begin to
cut.
You'll see over the next 30 to 60
days
the rate on money market funds decline
about as much as the Fed cut. Right?
Well, I mean,
this article that it was
a financial planner was behind it, So, Mean,
you got a financial planner focus here. But
what he said,
I mean, this this 1 paragraph I thought
was really... What that guy's is saying
if he's a financial planner.
He's trying to get money out of your
estate.
So you don't die with it in your
state. That's part of
what's behind that? Or every part of the...
Your money is you've put thought into
be spent. But he said that some have
accumulated a substantial amount of wealth, which is
your point. I mean, but instead of spending
and enjoying the fruits of their labor, they
remain stuck in an accumulation mindset and continue
to focus on saving.
Okay.
I'm sorry, mister
financial adviser.
That's not gonna change
for a lot of people. They like to
save
But what they can do to mentally sub
their own behavior,
and do what you're suggesting is to shift
some money
from their holdings into areas where it's gonna
be invested in things like
trips or
given money to this or that
and still keep saving from their cash flow
if that what floats their boat,
you can do both. You you just push
some money
from your savings aside into something else.
Then go back to saving again. I mean,
right You don't always have to be saving
with the goal of always having more money.
Because if
if you're still able to save
based on your consistent cash flow, then
You can take some money aside and and
give it or spend it or do whatever
you wanna do with it. Right.
Well, in in his his point, which I
think is good point is people come up
with investment policy statements that they write down.
This is what I'm saving for, etcetera.
You can do the same thing and come
up with a spending policy where You take
a look at how much am I going
to need? Have accumulated this much of nest
egg,
how much can I safely take out each
year without fear of running out of money?
Oh, well, that's not enough well, then I
know it now before it's too late, and
I can go get a part time job
and only take take less out. So being,
it's just putting some thought into how you're
spending the money
1 thing I thought he he had a
good suggestion was
make your bucket list, but put your deadline
to put a deadline on on some of
these some of these items on your bucket
list because you don't wanna find yourself saving
up, and I'm gonna do it 1 day,
and then
you get too old to enjoy or you
have health episode and you can't do what
you had wanted to do. So just... I
mean, just... It's really about coming up with
a
thoughtful way of of how you're going to
spend your money, But it also that that
deadline what it does is it gives you
a trigger to
realize, hey, you can't take it with you.
Let's go ahead and enjoy some of this.
Absolutely
that's absolutely
right. Right. Because
Spending money is a funny thing for people.
I I'm gonna tell you something
that I have noticed. I'm gonna call it
the Naples
effect.
So you have people that say live in
places like Lexington
maybe Pittsburgh,
maybe
maybe Saint Louis.
And they they live in houses that
are nice,
but they're not os
because
in their hometown, they don't wanna be regarded
as being
os
type people.
Then they go down to Naples,
or somewhere like that. And this other side
of their nature comes out
and they they spend that money down there
because they're not in their hometown anymore,
now they're in sort of a town of
strangers,
but
everybody's kind of in a contest
to see who looks the richest.
And so therefore, they spend money
down in Florida somewhere that they would never
spend
in Lexington in Kentucky
because they don't wanna look like os
big spend.
They get down to Florida,
they don't give a rats ass, You know,
I don't care what this person thinks up
me or doesn't think of me. In fact,
I would... And so the the whole personality
changes. So you will see sometimes
that occur. And people will go
places and spend all kinds of money they
would never spend at home.
And in that case, they've
you, they they have their bucket list. It's
to go blow a bunch of money to
do. And and they go blow money and
they're succeeding. Yeah. I mean,
there's... Well, I'm not gonna get into stories
of that.
But
I would say that
you don't wanna be
stupid about how you do this. You should
think about it and
and be
measured
about it. Remember that everything you buy and
keep
is going to go to somebody else.
If you buy an experience like a trip
or go somewhere that's
that's gonna be something that you remember. It's
more personal,
but items
will ultimately go to somebody else, and then
they'll have to deal with it. 1 of
the big things right now we're seeing
is antique furniture
that
perhaps a parent or a grandparent,
bought or had and inherited, and it was
considered that it was gonna be passed along
through the family at in item.
Well, what they're finding is that
number 1, that stuff isn't worth near
what it was worth, maybe 25, 30 years
ago,
because the market
for it is not there because younger people
are not interested in it. Just like they're
not interested in history. They're not interested in
in antique. According to an antique dealer that
I spoke with last week, they are coming
back. Yeah. But it... It's probably not gonna
be in... That's like saying top insiders are
coming back.
Sure they are. 8
When did they ever go out? I had
a conversation with an antique dealer about 2
weeks ago and he said, no. They're not.
He said Chinese antique are are really hot.
But
but that's just the difference of the pit.
Dealer add something want to sell to you.
I don't know. I'm not buying. Yep. Yeah.
That's the thing Nobody is buying. The The
thing is
it's not gonna come back probably in the
way it did before.
And
people's tastes change, You know, down in Atlanta.
They take
old antique.
They strip all the
outer lack... It used to be so taboo
if you stripped it. And kill the value
of the. And they... And it turned, and
then they pickle it.
And people in buck or wherever we're just
eat it up. They think that's the greatest
thing in the world. And to me, you're
just showing your ass. And the decor marks
it up, 30 percent Yeah top it. Yeah.
Of course. Then you're still paying less for
that than you are for a new piece
of brand new furniture at some of these
places. Well, some of the less
people There there's a... There... Here's another thing.
We got way off the truth. No. We're
not. And this is about spending.
It's about what people do with money. That's
another thing. You walk into that place in
Atlanta,
the
what's it what's that restaurant we eat in
okay cafe
is in the front of it. And in
the back of it, there's a furniture place.
And 1 of them is is that hickory
chair
back there.
And they've got stuff like a little hut
like that.
That's about that size over there for 13000
dollars. Right? And it's new. It's not antique.
But somebody's gonna buy that because it came
from that store, and it costs that much,
and they're gonna put it in their house
in buck
and be so proud of it.
But... And that's not a 13000 dollar piece
of furniture. Beauty is in the eye the
behold. Well, okay.
If it makes them happy and they aren't
spending money that they need later on to
take care of their needs. Then and it's
all they've. Made some nice profits for the
seller. That's. Now it's now it is subjective.
And and that's exactly what you're getting down
to what's pretty in the eye of the
behold. You look at a boat. A boat
is an absolute non essential expense. A horse.
You go non
maybe.
But but but the the thing is
I look... Oh, you go down to Jupiter
and look at the boats
out there.
Did people need these boats? Of course, they
don't need them.
You go down there Memorial day.
Look how many of them are sitting in
the slip.
I remember in Houston 1 time driving down
to Gal.
Past this big yacht basin. Memorial day weekend.
90 percent of the boats were sitting in
the slip. Nobody was using. And we're not...
These boats that we're talking about are not
little run about. No. I mean they are
task the familiar 7 800 bonnie carlo. Right?
Yeah. Well, in on that. I mean, the
the thing I think as important is people
just don't put enough effort or time into
planning for how they're going to spend how
the accumulation
And sometimes, you just want a second opinion
where somebody takes a look at your plan
and helps you vet it and says you're
you're good to go with this. This is
going to help you. And, I mean, that's
says service we provide. I mean, I I
don't know how many people we meet with
where we're talking about exactly that topic. And
what they leave with is peace of mind.
They, hey, I'm gonna be okay or at
least I have a plan that's gonna allow
me to be okay. Well, the plan is
the key part. Right. It's knowing where your
and where you need to go.
And
knowledge is power.
There's no other way. If if you know
what you gotta do,
it's much easier to the right knowledge.
That's right. And that's where we come in
at pre Financial Group.
Give us a call 85923304
hundred.
You can also schedule an appointment directly on
the website at pre financial dot com on
our homepage.
Our
our portfolio reviews are complimentary,
and we don't try to ever sell you
anything.
If you don't want it, you don't have
to take it. I mean, we we're gonna
give you what we think is the right
advice for you the right plan and we
want the buy in because if you're buying...
If you're bought into it, then you're gonna
stick with it, so we could actually work.
For you over time. Yeah, and our goal
is to educate God and empower.
Thank you for listening to the financial hour.