Why Retire?

SPEAKER_00 0:05

You're gonna do a really great financial future. Tom and Don are talking real money.

Retirement Strategy Unveiled

SPEAKER_01 0:12

Ladies and gentlemen, on this special edition of the Talking Real Money Podcast, I, Don McDonald, am going to share with you my retirement strategy. Because I am, I am, I am of retirement age, so I have a retirement strategy that I am going to impart to you right now. Are you ready for this incredible retirement strategy that that I I have thought about long and hard? Don't. That's my retirement strategy. Don't.

SPEAKER_02 0:47

Thank you for joining us for talking real money. Here every day.

Rethinking Retirement

SPEAKER_01 0:52

Forever and ever and ever. I'm gonna be here talking real money when I sound like this. Yep. Still talking. Don't know what I'm talking about, but I'm gonna talk. I'm Don, 93 years old, and still collecting my money that is not in a QLAC. And uh I'm joined by, nope, wait, he died. Never mind. He's gone. I'm joined by I'm using AI as my co-host. That's what I'm gonna do. I'm gonna record you and then you just AI host forever after.

SPEAKER_02 1:25

Thank you, Don, for having me on Talking Real Money.

SPEAKER_01 1:27

It's funny, I'll probably outlive you, even though I'm in worse physical shape than you. You know, if there's so many factors, who knows, right? Who knows? Anyway, hey, welcome to Talking Real Money. And today, guess what we're gonna talk about? Retiring. Should you? I I mean, really, it's accepted that you should. That's just conventional. That's the default. That's the default. Everybody should retire. But turns out that this generation particularly, baby boomers, are are not a lot of them aren't really thrilled with the idea of retirement retire meeting. Retirement. Retire meeting, too. I probably should just give it up. Yeah, yeah. Never mind.

SPEAKER_02 2:10

I changed my mind. I'm retiring. Trevor Burrus, Jr. Several reasons. By the way, sometimes it's financial. Sometimes you haven't saved enough, right? There that people run into that all the time. I don't have the resources. I gotta work.

SPEAKER_01 2:23

Yeah, but for me, I mean I I have the resources. I could retire. I just don't know what I'd do if I did.

SPEAKER_02 2:31

That was that's a great quote over the week previous weekend, uh, when the NC2A basketball championships were being That was a couple of weekends back.

SPEAKER_01 2:39

A couple of weekends. Again, time for you to retire, too. You're losing track of time.

SPEAKER_02 2:43

One of the coaches, who's a very well-known coach, who's 71, they asked him. They said, This, you know, are you gonna retire? And he said, And do what? What would I do? I I thought it was just very poignant and to the point.

SPEAKER_01 2:56

Like, well, that's sort of the Belichick answer, too. Yeah. I mean, that's even real when you think about it. When you think about it, did you I mean, just uh not long ago, didn't Tom Brady say, Maybe I should get back into football. Yeah. Maybe I should play some more. 49.

SPEAKER_02 3:12

Is that what it is? Lord. Uh yeah, Don and I don't face that sort of physical beating. Well, we do face the emotional beating from the crypto, et cetera. So but we don't face that. Uh okay, but let's let's just unpack this a little bit because you're right. The assumption is 63, 64, 65, certainly 66, 67. You're out, right? I mean, they I know.

SPEAKER_01 3:35

A lot of kinds of if you're an airline pilot, you're out.

SPEAKER_02 3:38

They made my old man retire at 65 from the U.S. Air Force. He didn't want to retire. I don't think he loved it. I don't think it was great. So, but let's take a look at the history of all this because it's fascinating. Uh back in the late 1800s, when Germany was barely a country for a few years, they set up retirement age. Guess the retirement age in Germany in the late 1800s. Oh, 70. When when the average life expectancy was 43. So you really didn't get a whole lot of uh, you know, you're waiting for 70 for your pension. So just seems kind of silly. Well, it means you only had to pay like two people. Exactly. Then they changed it, wow. They they took it down to sixty-five, which is kind of where we're at. I mean, I look around, France, as you know, has uh had the great debate that tried to burn down, you know, everything in Paris uh when they wanted to lower it, they wanted to raise it, pardon me, I think, to sixty-three, right? That you had to wait till sixty-three to get your money, um start drinking all that great wine and eating that cheese. The life expectancy today is again, this is a broad generalization. It's about eighty, right? About eight, somewhere around eighty.

SPEAKER_01 4:50

If you have a lot of people, women do better. They live longer than men do. Men are about 78, women are about eighty-two or something.

SPEAKER_02 4:58

And the numbers, the percentage of us older people, uh one of my buddies got called that at a baseball game recently. He kind of looked around like, what? Uh, old man! Yeah, exactly. You're lucky enough to stand up in the first place. Um the share of the population 60 and older in the U.S. is somewhere around it's almost 20 percent. Japan, it's almost 30 percent. I mean, so it's getting to be, you know, the baby boomer thing is, you know, kind of or a lot of us still hanging around. Uh but here's the part that you mentioned that's fascinating. Now, back in the day, like my parents, like their parents, you're right. People called it quits, certainly in their 60s.

SPEAKER_01 5:41

That was the norm. I mean, really the norm. It was the exception when you saw somebody still working, and usually you felt badly for them because, oh, gee, they didn't save enough.

SPEAKER_02 5:50

Yeah. They don't have they didn't get a big enough pension. They were working at McDonald's or some other fast food place, still see some of them, sadly. But um, 51 percent of retirees, retirees, say they'd like to do something because they want the engagement and the purpose. This is something that we have spent a lot more time on lately, something our industry didn't spend any time on 25 years ago. Um, and they like the relationships they have through work, right? They want to be they they they want to be part of something. Um, and and so what's happened? Companies now are actually recruiting. They haven't knocked on my door yet, but they're actually recruiting.

SPEAKER_01 6:30

Tom, you still have a job, and I think you're making more than those people would offer you.

Gradual Transitions to Retirement

SPEAKER_02 6:35

They're actually recruiting the oldsters um and hiring them uh through many ways. And here's the part that I absolutely 100% love, because this is something you touched on uh with Christine Benz and Joe Salsehigh at Retire Meet. Gradual transitions from work to retirement. For example, Microsoft. I didn't even know this till I read this piece. Microsoft allows people to move from full-time to part-time work. All you really hear about it, Microsoft is from full-time to no work because they have made significant cuts in the uh number of people working there due to AI and the like. But the fact is they allow people to move along uh from working the ascribed 40 hours? Do we still get 40 hours from people? Uh to 20 hours. I'm just kidding. I'm just kidding. Uh I'm not talking to the staff. They don't listen to the podcast anyway, so they wouldn't have any idea what I'm talking about. So, but they've they're doing that. That is very smart to me because a couple things happen. First of all, us eldsters, yeah, there's some mentoring we could do. That's a favorite part of my job, is working with the younger advisors, talking about you should think, consider this. And I hope I don't come on too strong. And the relationships you get to develop as part of it. That's what I'm saying. You come on too strong. I know it's a bit of a shock, but um I love that. I love that Microsoft and others are doing that. But this is a topic that should be discussed regularly. This is a topic that if you're in your 50s and 60s, you should be thinking about. You really should try to make a decision about when it's going to be, about what it looks like, and what's going to keep you engaged with others in the world after you pull the plug on full-time work. It it doesn't get the attention it deserves. Let's put it that way.

SPEAKER_01 8:19

I agree. And uh the other thing I agree with, and this is a great line from this article, which by the way was from Bloomberg Business Week.

SPEAKER_02 8:27

Uh one of my favorite publications.

SPEAKER_01 8:30

Yeah. Uh there's a great article, but there was there was one paragraph that I really, really loved. I really loved it. It because the article starts out talking about a couple of uh British radio hosts. Yeah. DJs. Yeah, uh, who've been in the industry for a long time. They were in their in their sixties.

SPEAKER_02 8:50

Yeah, I think they were in their sixties, yeah.

The Value of Experience

SPEAKER_01 8:52

Yeah, and I love this line because this is this is per this pertains to me. In in in this industry, as he says this, one of the guys said, as radio personalities or as radio presenters, as they call them in the UK, get older, they get better. Like fine wine? Yeah. Like fine wine. Because, well, think about it, you've lived longer. You've got better stories to tell. And what is radio? Radio is just a story medium. Podcasting is a story medium. Radio and podcasting are basically the same thing, just delivered differently. There's no difference between what we're doing right now and what we did when we were on the radio. There's no difference other than the medium through which we're presenting it.

SPEAKER_02 9:42

Yeah.

SPEAKER_01 9:42

And and in a lot of things, particularly things that involve experiential growth, the older you get, the better you are, as long as your brain is still functioning. And I believe that's the key to continuing to work. You gotta keep your brain sharp.

SPEAKER_02 10:02

Yeah. And by the way, we discussed this recently on a live stream with the folks at Stacking Benjamin's, where we critiqued the movie Retirement Plan, uh which is the first one. Which is available on YouTube. Yeah.

SPEAKER_01 10:15

It's a fun little movie.

SPEAKER_02 10:16

Trevor Burrus, Jr. You can type it in. It's a little melancholy, maybe, for some people. Um speaking of wine, they talk about the rains in Italy in 2007. Oh, the rain is a very good idea.

SPEAKER_01 10:25

Narrated, it's the the voice is done by Dom Hall Gleason, who's the star of the spin-off of the The Office, the paper. He's the leader of the COVID. Oh, okay.

Informal Survey Insights

SPEAKER_02 10:35

Didn't know that. It's very well done. It was nominated for an Oscar. It's only seven minutes, so it's not going to take your whole day away. But I think it's worth watching if you're getting close to retirement. Now, I did an informal survey recently because I was out with some of my pals who were all in their sixties. Um is that the baseball game? This is the baseball game. I felt so bad. Uh and and and and and so, you know, I asked them because I'm they're all of an age where people working less. And interestingly enough, they all answered exactly the same. Now these are all lawyers, uh, so they can turn up the gauge and turn it down as they wish, right? You can take as many clients or they're all working by their own admission and separately. I didn't do it as a group, I did it separately, you know, one-on-one. About 30 to 40 percent of what they call their you know full-time occupation. So about a third. Um and they're loving it. They they they they said they can focus more on the cases, they're thinking about other things that they really want to work on. Um now, they're in a financial place where they can do this, right? This is because they've been successful. They've been saving and investing. They've been saving and investing. Um but they really and one of them is going to start another. Oh, I'm sorry, did I slip that in again? I they they they thankfully they've listened to us about crypto. Um but one of them is starting another business. I mean, it's fascinating, of which Don won't let me start another one because I keep trying, but he he says no, we're too old to start with.

SPEAKER_01 12:03

We're still doing it. Oh, that's true. Why are we starting something new when we're making a paycheck from doing it right? You know, if you start a new business, remember when we started. You got to give a regular check. Remember when we started trying to make it the fact that we really didn't have any money?

SPEAKER_02 12:20

Yeah, that was a business, but not fun.

SPEAKER_01 12:23

There was no paycheck.

SPEAKER_02 12:24

Yeah.

SPEAKER_01 12:25

I like the paycheck now.

SPEAKER_02 12:27

You like getting the regular account?

SPEAKER_01 12:28

I do. I like seeing the money come into my account twice a month. It's like, okay, I'm happy.

SPEAKER_02 12:33

Yeah. Uh okay, so no new business. Stop it. I know. Kidding. Um so the other part of this is something which is harder because I have thought I went back and looked, you know, five years ago, was six years ago when we merged in with Apell of Wealth. I thought, I wrote this down, I thought we would last about three years with them. That's what I I thought it'd be somewhere around three years that we'd work together, and then I would have to start drawing from my portfolio to pay for things. That does not happen, right? Here we are at six years, it's still going on. And every indication is they thankfully would like to continue this relationship as long as we want, which is a nice thing. It's nice to be working for somebody who says, just keep going, keep doing your thing.

SPEAKER_01 13:16

I have a plan. I have a minimum five-year plan. Wow. That's true. I mean, my goal is to keep doing this in one way, shape, or form, this for for for at least five years. I don't know Paul Merriman's So listen to the After that. After that, I don't know. That's why I'm expanding my repertoire into writing and narration and those kinds of things, just to keep the 'cause I can't quit.

SPEAKER_02 13:42

After that, I guess I'll become a FIFA level referee and just do the World Cup games.

SPEAKER_01 13:48

Let me just uh what is the saying? It's three words. Oh uh In your dreams.

SPEAKER_02 13:55

Oh that hurts. Um but that does get back to that does get back to number two for me about all this.

SPEAKER_01 14:04

120. 120 meters or yards? I think it's yards, but I could be wrong about that. So it's longer than a football field. Yeah. Oh, yeah. And in in a 75 to 80 yards wide, by the way. In a typical soccer game, how often does the action move up and down the field? Well you blow your whistle a lot, so you stop it. They start to run the other end, you blow your whistle a lot. Compared with the NFL, which is like okay, we'll go up and down the field like eight times. Yeah. Maybe they're going to go up and down the field like uh eight hundred times.

Know Yourself Before Retirement

SPEAKER_02 14:37

So in those level games, you're probably getting a seven, eight-mile run-in. It's it's it's pretty good. At your age, can you run seven or eight miles? I can't run seven or eight miles. You're not. I could do it once and then you'd never hear from me again.

SPEAKER_01 14:50

It would be me alone on the show.

SPEAKER_02 14:51

But that does bring me to the second point of all this, which is so important. That again, that's why I recommend watching things like retirement plan. That's why I recommend reading stuff because you got to know yourself. You are good at knowing yourself. You're very good at knowing the things you enjoy that you want to be engaged in. I'm not at that place yet. I think I've mentioned this at retirement. I had one time thought that I would do some work at the Museum of Flight, and then I started meeting some of those guys. They're all retired, like Boeing engineers and pilots. I'm I uh my association with planes is I build model airplanes. I don't I don't think I'm gonna quite walk in and go, you see that SR-71? Which they don't have. What about that?

SPEAKER_01 15:27

So could you get them to acquire the model military aircraft museum and work it into the museum of flight? And then that could be your little room. You could go, this is that guy over there 24th scale.

SPEAKER_02 15:46

One one one to forty-eight. Everything at one to forty-eight scale.

SPEAKER_01 15:50

Anyway, um even smaller than I thought. Yeah.

The Evolution of Retirement

SPEAKER_02 15:54

And this is this is something that requires a great deal of thought. This is something that that should not be done lightly. I love the article because these guys took a concept, they turned it into a very successful business, and now they're doing it into their 70s, I believe. Um and and they're loving it. And they do it from home, it looked like for some of them, so it's it's kind of a nice deal. But not an easy thing. And yes, all kidding aside, Don and I have no plan to retire. By the way, when we left the radio, there were a lot of people that wrote us and said, Oh, been a pleasure knowing you. No, we're we're still doing our thing, as you know, right here on the podcast.

The Future of Retirement

SPEAKER_01 16:27

Again, we we're not going anywhere anytime soon, and at least as f as much as we can control it. Uh but uh retiring, I I honestly believe that retiring is so different today than it's ever been in the past. I mean, remember, in the 19th century, there literally was, except for a very few people, no such thing. You didn't retire. You either worked until you died, or you couldn't work anymore and your kids took care of you, or you lived in the poor house. Literally, you lived in what was called the poor house. Uh today we have so many options. And we really ought to find a way to use the skills we have on into the future, because I'd hate to deprive the world of all of the great minds out there. You're just just gonna play golf? I mean, really?

SPEAKER_02 17:23

No, I'm not. Because my golf game was bad 30 years ago. It's not gonna be any better today. So it's not gonna be pickleball. I think I'll do a little pickleball. We'll see.

SPEAKER_01 17:32

When I'm done, when I'm not when I'm not with FIFA level running. You've got the room in the backyard. You could just, instead of the gravel, just pave a pickleball. Make the driveway a pickleball driveway. Could do that. Could do that. There you go.

SPEAKER_02 17:43

Got the space. But then I need to have to find somebody to play. Well I've not gonna play. It's just gonna be the two of us there unless I teach the dog something to do.

SPEAKER_01 17:50

I was just gonna say, give the dog a paddle. It's a retriever. They'll play with a paddle.

SPEAKER_02 17:55

Chew it up. Uh, shall we go to questions?

SPEAKER_01 17:58

We shall, yes. Okay. Let's do that. We shall.

SPEAKER_02 18:00

Uh this comes in.

SPEAKER_01 18:01

These came in from, by the way, these came in from talkingrealmoney.com on the ask a question button. Yep. You took these were typed to Tom. Typed to Tom.

SPEAKER_02 18:09

Uh from Carruthers, California, which I've never heard of. Um, Bob writes, Hi, Don and Tom. I'm in the process of helping my dad roll his profit sharing plan into an IRA to set him free from the fee thirsty folks at Morgan Stanley.

unknown 18:23

Mm-hmm. Well done.

SPEAKER_01 18:24

They're fee thirsty.

SPEAKER_02 18:26

While getting the paperwork done, I realized he has a much smaller abandoned TSP thrift savings plan from a short stint working for the federal government. We're targeting a 50-50 stock bond allocation, 50% in stocks, 50% bonds, based on his risk quiz results. Due to the G fund being available only within the TSP plan, the G fund is government bonds that you and I cannot buy. I think the fund never goes down in value, right? It never reduces. No, it never goes down in value. Um therefore the return is relatively low, but it's very stable. Would it be a good idea to allocate all the TSP money to the G fund? I would adjust the allocation of the IRA as part of the yearly rebalancing to restore the 50-50 allocation across both plans. Also, Tom, keep up the jokes. The reprieve in September was appreciated at the time, but I'm glad you're back in top form. I don't remember a reprieve of any kind, but you must have jokes or something.

SPEAKER_01 19:21

Oh, that was when I edited them all out. Yeah, that was it.

SPEAKER_02 19:24

Um he has a joke for us, Bob.

SPEAKER_01 19:25

I have the edit power.

SPEAKER_02 19:27

He says, How come there is not a commission annuity salesman club in heaven?

SPEAKER_01 19:33

Oh, this is when he wrote, I think.

SPEAKER_02 19:35

Yeah, he wrote it.

SPEAKER_01 19:36

Okay.

SPEAKER_02 19:36

Go ahead. I have no idea. Because you cannot have an official club with only three members. I think the idea is their commission salesmen don't go to heaven or something, I think it's garnering.

SPEAKER_01 19:47

Wasn't that funny? Yeah. Like most of the case.

SPEAKER_02 19:50

Not for me. Funny. So Bob, thank you. Not that funny my bar is fairly low.

SPEAKER_01 19:55

Let me tell you, I love the G fund idea. Yeah. I think that's brilliant. Because the G fund is absolutely stable. The yield is an impressive. Right now, do you know what the yield is? Four. Wow. It's four. It's a pure four.

SPEAKER_02 20:08

Because I thought they bought stuff that was shorter, but still even the shorter-term stuff. Absolute guarantee and a four percent yield? Yeah, baby. Makes me want to take up a job as a TSP, you know. You don't have TS. TSA at TSP.

SPEAKER_01 20:22

Oh, you could do TSA, sure. They're wanting, they're looking for you. Yeah. You'd have the patience for that. You'd be pulling your gun and going, Down on the ground. Now you sashed me. I would last, oh, 15 minutes in the morning rush, something like that. Tackling a little old lady because no, I think that's a great strategy.

SPEAKER_02 20:40

I mean, here's the issue that I see. The only issue is something happens to you, your dad does not understand this, and now he's got to realize that one part of the portfolio is not doing anything, the other one's making money, or the other way around, you're losing a lot of money and sitting there.

SPEAKER_01 20:57

Trevor Burrus, Jr.: You have the rebalancing issue to deal with. But you know, that can be dealt with by putting some things in writing for uh others who might take on the job after you as a matter of fact, it might not even be a bad idea to put something in writing that says, Okay, Dad, should something happen to me, go to these people and give them your account and let them handle the whole thing.

SPEAKER_02 21:22

I think that's good. Uh from Clearwater, Florida, Rhonda writes, My daughters both plan on going to medical school. Wow.

SPEAKER_01 21:31

Wow, you better save up.

SPEAKER_02 21:32

And they're trying to minimize their student debt. That's still perhaps the best call we ever had on the live local radio station when the guy called and said, I graduated from medical school not that long ago, finished my residency, have a half a million dollars in debt, and I need to borrow another half a million to buy into the practice. So I'm a million dollars in debt. As I start, what should I do? And you may remember my response was get to work. Get to work. Uh which I you didn't find funny, and I don't think he thought that was really actually.

SPEAKER_01 22:05

Yeah, kind of harsh. Uh let's see. So I don't think most of your jokes are funny. Again, going back to that joke thing.

SPEAKER_02 22:12

They have more scholarship money than they need to pay for undergraduate school and are working to pile up as much additional money as possible. Both have college funds which won't be needed until medical school, but I'm trying to decide what is the best time to start pulling the money out of the 529. Should they pull money out now to the extent allowed according to their current expenses and put in a high yield savings account or leave the 529 plans alone until they really need it for medical school? Trevor Burrus, Jr.

SPEAKER_01 22:37

Leave the 529 and the Aaron.

SPEAKER_02 22:38

But she's basing this on returns. I don't think that's the right thing to look at. Trevor Burrus, Jr.

SPEAKER_01 22:41

No. Leave them. We're talking about tax advantage. Trevor Burrus, Jr. Exactly. You're going to get the tax advantage growth. You probably have at least some stock exposure that would give you a little bit of life. Yeah, no, I would not I would keep it in the 529 as long as humanly possible. Let it keep growing tax-deferred, tax-free.

SPEAKER_02 23:09

Rhonda, that's exceptional. Great mom slash mentor, you must have been. That's truly remarkable. So yeah, I would I would I would leave it there as long as I could, spend the other money.

SPEAKER_01 23:23

Take advantage of the taxes. Not often are they that easy.

SPEAKER_02 23:27

No.

Closing Thoughts and Reflections

SPEAKER_01 23:28

And that, my friend, concludes today's questions. And that concludeth the reading of the questions. Now, if you'll turn to page 323 on your hymnal. You don't want me singing, so I'm not sure. I don't want you singing. Do not sing. See, we determined something. Tom's brother got the singing gene. Tom did not. He was left out of the singing gene. Okay, what gene did I get? I we're still looking for that. I'd like to get one. I can come up with the you got the bad dad joke gene. Okay, that's one. My dad was a punster, so. Was he? Well, there you go. Okay, that's what you got from your father. All right. Okay. Bad joke gene. Okay. Anyway, uh, we want questions, though. We do. We love answering questions. It's our favorite thing to do. I like answering them when you speak them into the form at talkingrealmoney.com where it says ask a question, and then I use those on the Friday QA podcast. Tom likes it when you type them so he can print them and carry around. He likes touching piles of paper. I like killing trees, you said. Did your father did your father have a thing for paper too? I don't think.

SPEAKER_02 24:39

Did you inherit that? I have all his his notes on paper, which I read from time to time. So maybe. Yeah.

SPEAKER_01 24:45

Maybe. Yeah. So Tom likes paper, so if you type them, they're for Tom. If you speak them, they're for Don. It's kind of a nice division of responsibility. Yeah.

SPEAKER_02 24:56

Yeah. Except I am labeled the tree killer. You should be labeled the, you know, virtual something.

SPEAKER_01 25:02

You are the one who's who's perpetuated the whole tree killer persona. Trevor Burrus True.

SPEAKER_02 25:06

That wasn't my line, by the way. My war on trees. That was came up well, a listener came up with that.

SPEAKER_01 25:11

I still like it. But you have. I could have let it go. You're right. Yeah, you could have let it go and you refuse to let it go, much like the same old bad dad jokes that used to be.

SPEAKER_02 25:20

Much like many other things in my life. I need to let go. Let it go.

SPEAKER_01 25:28

What else are we going to tell people? Oh, um if you want help. Uh you want to meet with one of Apello Wealth's amazing 100% fiduciary advisors. Guess what you can do? You can meet with one of them for nothing. And this isn't a gimmick where we're going to put you know in a headlock and noogie you into becoming a client.

SPEAKER_02 25:48

We haven't noogied anybody in yeah.

SPEAKER_01 25:50

We haven't noogied anybody in years.

SPEAKER_02 25:52

I know. But we need to bring that back. Wait, are you going to sign?

SPEAKER_01 25:55

No. Okay. Here we go. We're we're not going to throw you to the ground and pen your, you know, hold your arm behind your back and say, Become a client. Become a client. I love it. We're not going to do any of that. Uh we're just going to help you for free for nothing for a little bit.

SPEAKER_02 26:10

I can't even do it to my grandsons anymore. They're stronger than I am. They can escape now. So basketball thing. So pretty much everything else. So yeah.

SPEAKER_01 26:19

And they're they're still little. I know.

SPEAKER_02 26:22

It's just a sad common story.

SPEAKER_01 26:24

It is really sad to see you fall apart like this. It's just not been pleasant. Thank God this is just audio. You guys don't have to watch the deterioration of Tom. It's like the picture of Dorian Gray in reverse.

SPEAKER_02 26:35

Exactly.

unknown 26:36

Shh.

SPEAKER_01 26:38

Not pleasant. I'm melting. Anyway, um I forgot what I was going to say.

SPEAKER_02 26:46

If you need some help, you go to Togarebody.com. Yeah. Yeah.

SPEAKER_01 26:49

Click on the button that says meet an advisor. And if you want to, if you want to spend some time with a tree killer, you just say, I want to talk to the tree killer. Just say tree killer.

SPEAKER_02 26:59

Take down another large fur, would you please? Yeah. Yeah. Go ahead.

SPEAKER_01 27:04

Are we done now? That's it. Yeah, we're we're done. Okay. Thank you. Thank you all so much for listening. Please tell people because it's really nice to see us moving up the rankings on Apple Podcasts. Thank you for that, by the way. Not you, them. Well, I had something to do with it. I put it up online. If it wasn't for me putting it up online, there would be no podcast to listen to. So true enough. Message. You couldn't do it.

SPEAKER_02 27:27

Mr. Short Timer, five-year guy. Okay, I got it.

SPEAKER_01 27:30

Yeah, can can you edit put the podcast up? Would you have a clue? No.

SPEAKER_02 27:33

Well, I could hire somebody to do it.

SPEAKER_01 27:36

Okay. Yeah, you can always do that because you're Mr. Moneybags. Mr. Moneybags, I take lots of vacations. Pending. Pending. I can put I can put gravel in my backyard. I can bring in a truckload of gravel, whereas poor people like Don can't afford the gravel. No, we can't get the gun.

SPEAKER_02 27:53

If you get gravel, it just sinks into the muff. It disappears in a week.

SPEAKER_01 27:58

All right, we gotta go. Thanks for listening. Thanks for being there. Thanks for telling friends. And do us a favor. Please keep listening to Talking Real Money.

SPEAKER_00 28:09

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