J.R. and Anthony break down how the U.S. hitting the debt ceiling could affect every day Americans and the potential for economic fallout in the future. Plus, the guys discuss whether or not Social Security is running out of money and the possibility of Medicare and Medicaid being cut in the future.
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1.27.23: Audio automatically transcribed by Sonix
1.27.23: this mp3 audio file was automatically transcribed by Sonix with the best speech-to-text algorithms. This transcript may contain errors.
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Any examples used are for illustrative purposes only and do not take into account your particular investment objectives, financial situation or needs, and may not be suitable for all investors. It is not intended to predict the performance of any specific investment and is not a solicitation or recommendation of any investment strategy.
Producer:
This is Another Money Show. Get set for another hour of the latest financial information and economic news affecting your bottom line. J.R. and Anthony are committed to helping more Americans like you optimize their income, reduce their tax risk and reach financial freedom. So let's start the show. Here are your hosts, Anthony Carrao and J.R. Rotchford.
Anthony Carrao:
Hey. Hey, folks, this is Another Money Show with your host, Anthony Carrao, J.R.. Rotchford, our beautiful producer, Jim Terubok. Yeah, we are taking a break from our day-to-day as financial advisors with Rotchford and Associates, a fully independent fourth generation family practice right here in the greater Phoenix area. We are aware that there are a ton of financial shows out there and the last thing you need is another one. But we appreciate you being here today. You know, governments hit the debt ceiling. What does that look like for your personal finances? We're going to talk about that. We're going to talk about strategies to kind of supplement your own income if they do have major cuts to Social Security and Medicare. So we'll probably start off with that. I mean, that's the biggest topic of the week right now.
J.R. Rotchford:
I don't know, man. I think the biggest topic of the week is how you start with the Hey, hey, this is this is good. You know, last week we were a little bit concerned about both of our energy level. Usually we feed off of each other. If you're not feeling it, I am. If I'm not feeling it, you are. It looks like today we're both on. So that sounded like the beginning of an exciting show to me. And then you bring up.
Anthony Carrao:
I definitely stole that one. That's how Marc Norman starts his podcast, We Might Be Drunk, which is a great comedy podcast. Not quite financial news, but if you need a break from all that financial doom and gloom, it's worth checking out.
J.R. Rotchford:
So and you know, we used to have a podcast when the COVID made us work from our homes for a little while. We started, we went on POD, been a little free plug for the old pod being people, and we started our own. We used our cell phones. We got to learn off of Amazon what a dongle is. Be careful when you search that term. By the way, I did find some interesting internet searches and and subsequent pop ups. But anyway, so we did a we did a podcast. Everybody does a podcast. There's how many?
Anthony Carrao:
55,000 drunk. We were definitely drunk when we were.
J.R. Rotchford:
Yeah, the afternoon episodes. Yeah. I think when you came over in the afternoon, I think we actually sat around the table and we had a cocktail. I believe that was true. Obviously mine was always non-alcoholic because I'm the adult in the room. But yeah, I believe that was true. But you know what's funny? We you found them. I couldn't find them. They're gone from pod. Been so plug taken away. Thanks a lot, Bobby. But you found them on Spotify and there's not that many of them. But I went back and listened to all of them. They are really good. We have had a consistent message. That's one thing I came away with. We have been consistently telling people the same things. And you know what? We we haven't been wrong. We've been early. We haven't been wrong. But the clock is ticking. And when they say even a broken clock is right twice a day, I hate to say this, but the clock is moving on. Oh, did you see the Doomsday Clock moved.
Anthony Carrao:
Up seconds away.
J.R. Rotchford:
90. We are so close. You know, it's so funny because I read an article about the Doomsday Clock moved up yesterday, by the way, today is the 25th of January as we record this. But yesterday on the 24th of January, they moved it up by 10 seconds. So not like a second or two. They moved it 10 seconds and they basically said it's a combination of the COVID, the Ukraine Russia thing. And I got done reading that article and I'm like, Well, who cares? Nobody's ever heard of the Doomsday Clock. You know, it doesn't matter. Who are these people that don't have a crystal ball? The very next article I read was about how we are going to be giving 30 tanks. Our country is going to be giving tanks to the Ukraine. Is that Ukraine or the Ukraine? Are they more formal with us?
Anthony Carrao:
It's Germany too. And that started. It's a whole other issue. And they're going to be seen as a. You know.
J.R. Rotchford:
Another attack.
Anthony Carrao:
On the Russian people since World War Two. So, yeah, there's a lot of falling out because Germany followed the US's lead. So that's its own thing.
J.R. Rotchford:
And I don't live in Germany, so I'm going to tell you I'm a little bit more concerned with the United States. First of all, you know, as a veteran, I do think about what happened in Afghanistan. We put a lot of equipment, a lot of bodies, a lot of money into Afghanistan, and our exit was none too cool. We left everything there for for people that want to kill us to use. So is that the same thing in Ukraine? Are we going to bring 30 tanks over and just leave them there? You know, obviously it's been financial funding. Russia did threaten us. They did threaten us with nuclear war if we get involved too heavily in Ukraine. Well, as of yesterday, going.
Anthony Carrao:
Over over a year, though, I mean, why were we ever worried about Russia as a superpower if they can take Ukraine? So anyways, what does any of this have to do with our debt ceiling?
J.R. Rotchford:
Money, money, money. Everything has to do with money when we give them the 30 tanks. I got a question for you then. Are they going to ask for gas money? By the way, have you gotten gas the last couple of days? That has to do with money, too. I've noticed gas is rapidly increased at the by my home the last week. It's like this thing went from 330 something to 360 in the last few days.
Anthony Carrao:
So gas getting worse, too, because there's a ban on the EU importing diesel fuel from Russia, which means they have to get it somewhere. So you think, well, well, how does that affect us? Well, if they have to change their suppliers, some of those suppliers are our suppliers. So I mean, we've already had fuel shortages and diesel shortages. So we'll see how we revise our supply chain to when your gas prices here in the States.
J.R. Rotchford:
Well, and a couple of other things. We are historically, we are very low on the strategic oil reserve. The government did say that when oil got down into the high seventies, they were going to replenish it. So it's been in the high seventies now for several weeks. And I've been watching and I've been trying to find where we started replenishing. We have not from what I can see. Maybe they're doing it discreetly and we don't ever need to know. But anyway, so I don't know. Oh, and Saudi, Saudi Arabia, the Saudis, they have decided not to use the US dollar. They've decided to trade without using our dollar. So that should do two things that should speed up the demise of us being the world reserve currency. And that should also make the gas prices rise. So we'll see. You know, this summer the summer blend comes up. It's this it's this configuration of different influences that that should be interesting this summer. But I think I think the gas prices that we saw last summer, I think we're going to get back to that and then some. But we'll see.
Anthony Carrao:
So you're saying Saudi Arabia is no longer trading oil for US dollars?
J.R. Rotchford:
That is correct.
Anthony Carrao:
Oh, that is huge. Yes.
J.R. Rotchford:
That is huge. So it will take a little while. There'll be a little delay and then we'll see how it pans out. I am just you know, week after week we talk about all these different things. It's funny because in our office we do financial advising. We help people with financial plans. We're a big advocate of education over sales planning, over products. We meet people that think they have a financial plan. No, they've been sold financial products. So in the office we do a lot more financial on the radio. We have alarms to sound. We're not here to do financial planning on the radio. There's plenty of shows that stick with the main topic I hear lately. Roth conversion. We love Roth conversions. We can tell you how to satisfy the taxes. We can tell you what's so great about doing a Roth conversion. But we're on this show to help people. These are very, very scary times around us. You know, I've been remiss, I haven't talked about the ten pillars in a long time, but when Russia says if you meddle too much in this conflict, you know, it's an act of war and we're going to nuke you. Well, these 30 tanks, maybe this is going to lead to the trigger for that. Who knows? I don't know. That's one of the pillars is geopolitical situations. And you're saying, what does it have to do with the debt ceiling? What does it have to do with money? Every single thing around us is going to lead back to stock market volatility. It's going to lead back to money issues. You know, if you want me to stick directly to the debt ceiling for now and not go into the current events, which you know, I love so much, I'll do it.
Anthony Carrao:
I mean, that is a current event. Of course, all of this stuff ties together. We know that. Hopefully our listeners know all that, but that one is the specific one. So talk about that on its own.
J.R. Rotchford:
All right. Let's talk about it on its own for a second. You know, you can't it's hard to get me settled down. I realize that. I mean, I have so much to say. Again, I'm waiting for the opportunity to do a six hour show one day a week. I need a break. So probably just only five or six days a week. But I have so much that I want to get through here. So the debt ceiling I read yesterday, I do a lot of in between things. At night. In the morning, I read, I listen. I'm a little sponge. I read that one of the immediate effects, you know, we just hit the debt ceiling last week, last Thursday, when we recorded on Wednesday, we told you tomorrow it should hit. It did. So now you know, now we're not even a week away from that. Six days later, they stopped adding money to the the government saving the thrift savings plan, the TSP. If you're a postal worker, for example, and you have your TSP and you want to be safe because you want to be out of the volatility of some of the fund, the C fund, all these things, you go into the G Fund, that's your safer version, that's like your stable value fund. So now you're not going to make any interest. You know what? It's funny because people are like, Well, how does it affect me? You know, debt ceiling my but they're just going to raise it. They always raise it. We're broke. You know, you and I get a credit card, we max it out.
J.R. Rotchford:
What do we do? We go get another credit card. Well, sooner or later, once we have 12 credit cards and they're maxed out, somebody is going to tell us, no, you know who? They're not saying no to The people that represent us. So this debt ceiling thing, they're going to stop funding the G Fund. You know, you're not talking about wealthy. If they've got money in the TSP, you're not talking about people that have other opportunities like the politicians. I love the politicians because it's funny, you know, if they shut off Social Security checks for people, you know, let's say we get to June and they can't get to an agreement and they start delaying or stopping Social Security checks, you know what? They're not going to do? They're not going to stop taking their own paychecks. That's how I see it. So this thing with the G Fund, the reason it was so impactful to me because I was like, once again, you're going to let the rich get richer. You're going to let the poor hover and you're going to shrink the middle class and you're going to slap them down. Who do we go after when we're broke? We go after the seniors, the veterans, the middle class, this thing with the G fine. Oh, and then Janet Yellen said that, Oh, you know, in the summer when we get past the debt ceiling problem, we'll make them whole. We'll give them back pay. Well, then it's all just bullcrap, you know?
Anthony Carrao:
I mean, yeah, that's not the first time Pelosi is or no, you said Janet Yellen, but we've had stuff from Pelosi signing that would have affected that government fund, too. We've talked about that then show in the past. But you made a good point, though. I mean, just because we pass the debt ceiling now, we're not completely broke until June. So we're going to have to watch that closely to see what happens. But in the meantime, you can check out Another Money Show wherever you listen to podcasts, Spotify, Google, iTunes, wherever you can. Check out Another Money Show at another Money COCOM. You can reach out to us directly at team at Another Money Show. We're heading to break. But right after we'll continue about the debt ceiling and we're going to talk about how it may affect you and what you can do about it.
Producer:
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Anthony Carrao:
And we're back and you're listening to Another Money Show Anthony Carrao, J.R. Ratchford. We are talking about the debt ceiling and just because we passed that in January does not mean that it'll come fully affect into June. So it's what's going to happen in that meantime and right now I'm seeing that there's a big push from the Republican party to cut the Medicare and the Social Security spending. Is that what you're seeing too?
J.R. Rotchford:
J.R. I am seeing it. And by the way, whether or not it's politically popular, you know, depending on what side of the aisle you're on, you're like, you know, you have strong feelings on this whole thing about who's got to fix it. It's going to fix itself if we don't fix it.
Anthony Carrao:
My question is, all this means it's going to crumble. There's no fix to do something.
J.R. Rotchford:
Yeah, that's exactly right. I mean.
Anthony Carrao:
The Democrats want to raise the ceiling as if this isn't a problem. The Republicans are coming at it as fiscally responsible. I mean, we do need to make cuts somewhere, unfortunately, where they're proposing taking those cuts are what's going to affect our listeners the most. And that's the part that scares me.
J.R. Rotchford:
Well, and you know what? For years and years and years, we've been heading more and more towards broke. Well, we passed broke a long time ago. We're 31 watt and a half trillion nearing in on 32 trillion in debt. So we are broke for years and years. There's what, 193, I think it is countries on the planet. And we've been giving foreign aid to like 150 of 190. So I have a question for you. If we're broke, how do we help other people? You know, the last year, my my heartburn is Ukraine. You've got people that are food insecure, you've got military that are being told to go on food stamps to supplement their income. Now, you're telling me being a military person, you know, we're we're get you on food stamps. We're not going to fund your G. We're not going to give you any interest. Are you kidding? And yet you're going to give 30 tanks to Ukraine. We've given billions of dollars to Ukraine. I don't know much about Ukraine. You know, some of the people say there's bio labs there. There's child trafficking. It's this cesspool of a country. Some people say that it's, you know, beaming, shining, you know, I don't know. I don't know much about Ukraine. I do know a lot about finances and financial matters. And I do know that if we are broke, we need to fix it. And we're not going to we're going to leave this until it explodes. So the Democrats, the Republicans, they're not going to get along. We understand that. So we're just going to this this brinksmanship, whatever you call it. You know, we're talking right now, we're in extraordinary measures. What does that mean, extraordinary measures? Well, that's part of how they can say that they're not going to give any interest to the fund.
J.R. Rotchford:
You know how this ends. We are broke. It is going to hurt a lot of people. If you have $2, if you have $5 million and you lose half your money, you're still a millionaire. If I only have $50,000 and I lose half my money, that's that's life and death. You start getting to where you're making a choice between food and medicines. I've seen it in Sun City. I've seen people struggle over the years. You know, don't forget our office. We are not buying demographics, lists of just anesthesiologists and attorneys. We are trying to help people. We don't ask how much money they have. If they go to set an appointment, we sit down and help people and we have clients that are on a true fixed income where they are barely getting by. Inflation has been problematic for them the last year, you know, the no inflation or then the trend, transient inflation. Now the we get inflation. And now, by the way, have you noticed inflation is fixed? Have you noticed we're not talking about anymore. We went down to where it's only went like six and one half percent, you know, for six and a half percent for somebody who has no money. We just keep giving them more money. You know, a few weeks back we talked about how in in like 40 states you can make as much money being on benefits as you can go to a 40 hour workweek. So, yeah, you'll be all right. And the rich are going to be all right. The middle class is is hurting and is going to get worse.
Anthony Carrao:
So I still want to know where they come up with that 6% to what our eggs are, over 200%. Cars are up 20%. Homes are up 50%. I mean, it's insane. We've been sitting right again, the radio show, Another Money Show, but our office, Rotchford and Associates, this is a fourth generation. So it wasn't just J.R., it was J.R.'s father and J.R.'s father's father. I mean, we've seen a lot in this office over the years and it's just it's not getting better. Things are just getting worse. And we have to help you prepare for that.
J.R. Rotchford:
And we think I think Anthony's on board after being in my office almost, what, five years now? Well, it's his office now, but being in.
Anthony Carrao:
His office, someone's got to do the actual work. Geez. Yeah.
J.R. Rotchford:
Yes. And I'm semi-retired. I've been in the military. When you get to a certain level and you can retire anytime. We used to call it a road sergeant. It was a retired on active duty sergeant. And we're like, Yep, yep. They're road sergeant. They don't want to do squat anymore. So speaking of eggs, you brought up eggs. I guess that's still a thing. Egg shortages, egg prices, little shout out. There's a Chinese restaurant near my primary residence called Chang Li. Little shout out to Chang Lee. Chinese food is delicious. I've been going there literally for over 20 years. So good. So something interesting. I know this is a weird caveat, but I want to bring it up so I usually get the same thing every time I order. One of the things I get is barbecue, pork fried rice. If you're near 99th and Thunderbird, you've got to go to Chang Lee and you've got to try their barbecued pork fried rice. So over the years, I've always been like, well, I could use a little more barbecue pork. I've always been like, you know, because that's the good part of it. And this Saturday, this past Saturday, for the first time, I noticed there was more barbecue pork and there was a lot less eggs. I don't like the eggs in the in the barbecue board, fried rice. I like the pork and I like the rice and I like the little peas. I like to take a pee.
Anthony Carrao:
Now, cheaper to have the extra meat than it is the egg in your fried rice. That's funny.
J.R. Rotchford:
I thought it was so funny. I barely saw an egg in the barbecue pork rice, but there was a lot of barbecued pork. So life is good. Oh. I think that's about it for this week, right? I mean, once we talk about hungry and they're.
Anthony Carrao:
Delicious, I have no idea where that tangent even went or came from. But debt ceiling, right. We'll try to we'll try to reel this one back in. The problem is, again, you don't think we've hit the debt ceiling before? And when did they do they just raise it? The odds are they're just going to raise it again. But we're you know, we talk about Social Security being insolvent in 2034. We talked about the pension guaranty fund that was supposed to be insolvent in 2027 until they passed another massive spending bill. The problem is the dollar is holding its value as long as people keep buying. And we just talked about Saudi Arabia no longer using the dollar and the more the dollar drops off, the less value it's going to have, because luckily the world still has hope in the dollar. But what happens when that fails? And we're not doing anything to show the world that we're getting better. We're supposed to be a superpower. The world power. We're supposed to be the greatest country in the world, but we are not showing that. We're not proving that.
Anthony Carrao:
You know, it just it seems like a joke. And it's it's I don't know. It's. I just. I know it's going to be bad. I know it's going to be bad because we'll just keep printing money. Well, we kept printing money because interest rates were zero and 2020, and it took a couple of years to feel that. But we're feeling it now, aren't we? We know how this plays out and none of it's good. Granted, all of these other countries are suffering too, and we might be in slightly better shape, but we still have nothing to show for it. And like J.R. said, when we talk about the ten pillars, it's not just inflation. It's not just that. It's a combination of so many other things that could go at any time. And once one goes, it won't take much to take the rest out. So again, what are you going to do about that? Well, we'll tell you in the next segment. In the meantime, check out Another Money Show wherever you listen to podcasts, Spotify, Google, check it out on our website, Another Money Show.
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J.R. Rotchford:
Welcome back to Another Money Show. We're so glad you're with us. Thank you very much. We appreciate your support. Thank you to I know you're telling other people, you know, we have people come in the office all the time. Shout out to Darryl and Jan, thank you for sitting with us this past week. We're so glad you're listening to the show know. Please tell people about us. I know when we say Another Money Show, that's pretty tongue in cheek. You know, we listen to the other money shows. They have amazing financial literacy for you. I understand the value of them. We have that, too. We just think it's a waste of your time and our time to do that. On this show, we're sounding alarms, our whole thing. We want you to prepare. Not scared. You know, we do have the credibility behind us, though. You know, I'm in the office this year. The end of this year, I'll be 26 years. Anthony has been there almost five already. You know, fourth generation. My grandfather in Chicago, Illinois, he got my father to come in to work with him. You know, my father retired in Illinois, moved to Arizona. My father got me to come in with him. In Arizona. It's this this is going to keep going. So when we say that, we've been in Arizona. For almost 30 years. Well, it started before that. It just it was in Illinois. So we've got a long history of helping people. My name is still on the door. You know, we do care about people's finances. We just when you sit down with us, we're going to show you that we're going to get to know you personally. Anthony says all the time, no minimums, no quotas. It's like because we're trying to help people.
J.R. Rotchford:
You know, we will help you even if you can't do anything for us. And we honestly mean that. What do people what are they scared of? You know, people are scared of running out of money. People are scared of living too long. You know, people are scared. The debt ceiling. They kind of tune out because it doesn't affect them. These things don't affect them. What you said right before the break was interesting. You know, the ten pillars, they're all coming at once. When you look at everything, we're broke. Our is going to tip. We're going to lose the world reserve currency. We believe there's going to be a stock market collapse. We're on what our fifth do over on your 401. K. You know, a lot of people lost money in 2022, but it was like it was up and down. They lost money, then they got it back, then they lost money, then they got it back. We're in like the fifth time one month into 2023. It's like your money really hasn't moved that much. You know, most accounts now they're only down 10 to 20%. So it's funny because we deal with some older people were mostly, you know, we're mostly retirement planning. The people that we deal with, the debt ceiling hasn't affected them. If we do have the stock market collapse, real estate, the market's going to slow down, screech to a halt, I believe, you know, that hasn't happened yet either. Then we're going to have a bank bail in. Then we're going to go to a digital currency. Well, that's going to be an outstanding time to basically do a reset. We're going to push our push a reset button in this country.
Anthony Carrao:
It doesn't affect them. They don't realize it affects them. The debt ceiling is going to affect everybody in a very major way and they just don't realize it yet.
J.R. Rotchford:
Are you sure? Aren't you? Don't you think that once again, the politicians are going to cave and say, Ah, we're just going to raise it, They're just going to wait to the end?
Anthony Carrao:
So what happens when they raise it again? And what happens when nobody buys our debts anymore? Not when nobody buys that anymore. And the dollar is useless than what happens Currency. Name one currency that is around right now. That was around 203 hundred years ago. Currencies die. World powers become not third world countries. This isn't not to think that this will just go on for forever is very, very naive. So I don't believe that you think that nothing will happen from this.
J.R. Rotchford:
Otherwise, then.
Anthony Carrao:
Why are we doing this? Why are we even having this conversation?
J.R. Rotchford:
I've been telling you the sky is falling. I've been Chicken Little. I have been saying things are going the wrong direction for 15 of the years out of my over quarter of a century in this office, in this job. And I just you know, nothing happens fast. It's an evolution and it takes place. Over the years, our our elected representatives have been abusing us financially in other ways for decades. It's not Clinton Trump name the President Biden is not. And by the way, by the way, have you noticed all this stuff about classified documents is on the media every time they can find a shiny object. That's what we use. Oh, we're all consumed. Demar Hamlin You know, we're consumed with whether or not, you know, well, I don't want to go down the sports direction, but I mean, we have things come into our vision know we're very instant gratification. The big things. The big things are if the debt ceiling does hit and they don't fix it, if they stop making Social Security payments again, if you're poor, you're going to be all right. If you're rich, you're going to be all right. If you're middle class, you better wake up and.
Anthony Carrao:
They have to fix it at some point. So there's no good way around it. But do we kick the can or do we address it now? So we're going to talk about that. We've got one more segment coming up. We're going to talk about what's been proposed, what could potentially happen that could be devastating to our listeners. We're going to talk about what you can do about it right after this. You're listening to Another Money Show right here on AM960 The Patriot.
Producer:
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Producer:
You're listening to Another Money Show. No, that's the name of the show. Another money show. And now another money-making round with J.R. and Anthony.
Anthony Carrao:
We're back. You're listening to Another Money Show and we are talking about the debt ceiling and the proposed. So there's two political avenues to go about this. Neither one of them are good, but this is something that we have to address. They've been kicking the can down the line for decades. We know we have financial problems in this country and we're actively not doing anything to fix that. And that will eventually come and affect your wallet. So right now, with what's going on in the current situation, Democrats want to raise the debt ceiling and pretend like this isn't a problem and you kick the can. Publicans are coming at it and saying we need to make cuts. And I totally agree that we do. The problem is where they're trying to cut and what they're initially targeting is Social Security and Medicare. And we already know that these two are broke. We read the financial reports every year. We haven't seen the 2022 one, but from 2021, 2020, Social Security is going to be out of money in 2034. And they're proposing making cuts by 25% for anybody who hasn't taken it yet, 21%, including those who are already on it or raising taxes to pay for it. I mean, we're already seeing massive inflation. How do you expect to increase your taxes by 12% if this direction happens, if they start making cuts? Well, what can you do in your personal situation? We say this all the time.
Anthony Carrao:
Your assets and retirement don't matter your income or what is what matters. Yet if they're going to make cuts to Social Security, how can you replace that? Well, you can sell fund pensions. You can turn your old for one case into pensions and money that you cannot outlive. That's a specialty in our office. We say this all the time. You set a foundation. If you have more income coming in, then you need then your assets really don't matter. You have an emergency fund, but you've built a foundation. If you want to invest all of your money outside of that foundation in gold or Bitcoin or nfts, then it doesn't matter that SBF just lost all of your money because you have a foundation, you have that income. So we cannot stress this enough if you're counting on Social Security. And most people are, they say they're not. A lot of people acknowledge that they won't have Social Security. If you talk to people my age in 30 years, oh, I won't have access to Social Security. But what's your plan? What are you doing about it? So if you can't bank on this excess income coming in, do you think you'll retire at all? Where is your income going to come from or are you just going to work side gigs the rest of your life? Are you never going to retire? You know, health care gets insanely expensive.
Anthony Carrao:
So if you can't, we have people talking about trying to retire 60 to 63. And from a financial standpoint, we already talked about Social Security that break even. I love people turning on Social Security as as soon as possible. But how do you afford get into Medicare? I mean, I've seen medical payments, your monthly health care, that's more than a more than a mortgage. I've seen $12,500 health insurance payments. It's just insane. So what are you planning to do to combat that? So I, I mean, even for my age, I think I've said this before in my personal I took all of my old 401. Case, put them into fixed indexed annuities and concentrated on it being a pension when I go to retire fixed. Even we talk about variable annuities. Sometimes we're not a fan. Those are market sensitive, they're expensive, we're not big fans. But even those can be turned on to income stream. So if you have all the variable annuities and you just notice that you lost 25% in the last year and you're of retirement age, why not cut the bleeding and just turn it on for a lifelong pension now? Because you don't know what your Social Security is going to look like in the next few years. Well.
J.R. Rotchford:
No, I mean.
Anthony Carrao:
This is I want to get in on that. Sorry, I didn't realize that is taking over that segment from you.
J.R. Rotchford:
I am super happy because all I do is rant and rave and you give good financial advice and we need to do both. I mean, obviously we need to give somebody something to help their situation. We our big thing, we have one person, one cup of one family at a time. How do you bring it down if you can't do anything yourself about the debt ceiling? It's coming whether you like it or not. Same thing with digital currency. It's coming whether you like it or not. So what do you do for your situation? You have to be proactive, not reactive. Are you going to wait to see in June if they cut if they suspend your Social Security check, you need to start doing things today or tomorrow or next Wednesday. So that sense of urgency needs to be there. We give you all these problems week after week, so we better have solutions. We want you to pay down debt. We want you to buy hard assets. We want you to go further and have food and water in case we ever do have food shortages or things get weird. In this country, hopefully temporarily. We want you to safeguard your money. Our whole thing is protection. First growth. Second, we do need to grow your money. We are aware of that.
J.R. Rotchford:
So I'll give you an example. When I came into this job, it was in the late nineties and we had a woman named Phyllis. She has she came to us. Her husband Kenneth passed away. Phyllis came in. We helped her with his life insurance. We set her up with a couple of safe plans. She was not a good candidate for risk. And this is the late nineties, don't forget. I mean, you know, people were buying Pets.com and everybody wanted Janice MidCap, and it was just this frenzy of security sales. People just put money in anything and it was growing up by leaps and bounds. So she did not have a good risk appetite. One of the things we did for her, we took a big chunk of this life insurance she got from Kenneth and we put it into a ten year multi year guaranteed annuity. It was paying 6%. These people around me in my office were selling variable annuities and they were doing illustrations to show you how great they are. They were running illustrations at 12 to 14%. My father stopped me from being one of those people. You know, we were doing variable annuities back then. We've since made amends. We stopped selling them. When they're out of surrender charge, we help people with how to better those.
J.R. Rotchford:
He was like, We are never going to illustrate something more than 8 to 10%. That's when things were going up. Huge. So anyway, back to Phyllis. We did a ten year fixed annuity paying 6%. Everybody thought we were crazy that knew about this. You know what's so funny? Fast forward. After the tech bubble burst, the plane hit a building. You know, things got volatile. Interest rates went just down the toilet. You know, by the way, we've had a 15 year pause with no interest rates. Well, you know, fast forward to year seven, eight, nine, ten. It looked pretty good getting 6% when you go to renew something in a bank and it goes down to 1% and you're at six, it looked good. She's like, oh man, I wish we would have done this for 20 years, you know, And could we have found a 20 year? I don't know. Maybe we're at that point again, we've had a 15 year pause from interest rates to get four people and now the interest rates are huge. If you told somebody right now to take a little bit of their money and lock it up for ten years, right now, you can get I don't know what what can we get right now? 5%. Yeah.
Anthony Carrao:
But it's funny because they're they're worried about long term. So that was 5% We can get more than that in a five year. They're afraid to lock it up for longer than that because they think there's going to be a massive drop.
J.R. Rotchford:
Yes. Well, and I can tell you and by the way, I mean, diversification is still alive and well. If you come into our office with 100,000, are we going to put $100,000 into a ten year product paying you 5%? No, we're going to ladder your money out. You know, we're still a big believer in the thought of having an emergency fund. We want you to have some cash for any kind of transitional period this country might face. We do want to protect and grow your money, though. When you talk about income, you know, what's the number one fear of retirees? It has to be running out of money. So we deal with long term care. You have to have a long term care plan. You have to have a plan. Whether your plan is to spend down your money, keep your primary residence, your car, your 2000 in the bank, and have assistance through all text. That's a plan. Good for you. It might be heavy. Your kids take care of you. You know, the kids better be wealthy. They better have a lot of time off so they can take off work. You know, they better be able to lift you from the couch to the shower and back. You better be able to to understand. They're going to have to give you a bath and they're going to have to help you onto the toilet. So I hate to be too crude there, but you better be realistic. You know, most kids, they don't have the time or the money to do this.
Anthony Carrao:
So, you know, sometimes the kids are aging, too. What happens if mom lives into her nineties and it's a 70 year old trying to take care of a nine year old? Well, that 70 year old needs care, too. And I mean, do you want to get into what we do for long term care? Because, you know, before I joined the office, you were really big on everybody having it. But just like any other insurance, traditional long term care, you can put money into this and then maybe never use it and you've wasted all of that money.
J.R. Rotchford:
That's why you're the only people that should buy long term care. Insurance for traditional pay is in their forties or fifties because then they get preferred. They don't have health conditions in general and it's affordable. You get into your sixties, it starts becoming expensive, you get into your seventies, which is when people want to pick up the phone. It's cost prohibitive. We have solutions. Let's say you, you're in pretty good health right now. You can do life insurance with the primary goal to be used for long term care. We have one company that has something we call the Tripler. You put in $100,000 into this plan. And this one, by the way, is not life insurance. It's a fixed annuity. You put 100 grand into this Tripler. If you need your money back in income, you can annuities it, You can take your free withdrawals, you can wait, you can use it for your income. If you die, it has a death benefit that's elevated. Say you put in 100 and this is depending on your height, your weight, your gender, all this stuff. If you die, your beneficiaries get 150,000. But if you need long term care type assistance, it's tripled. It goes to 300,000. That's not 100 grand, You know, I mean, all sudden you've done a couple of things. One, you've protected your other assets. The second thing is you don't have to have your kids to give you a bath. You bought yourself peace of mind choice. You get choice. You're not in a place that takes all texts. You can take a place that takes private pay. If you have your own.
Anthony Carrao:
Policy, it applies.
J.R. Rotchford:
To your home care. And then when you look at what we do, we ladder money out, we look at emergency fund, we look at income, we look at assets, we look at lifelong income. We also are very aware that a lot of people have have needs for legacy and inheritance. So if you don't spend all of your 41k on your care, if you use the Tripler, then when you pass away, you can leave your house, you can leave your four on K to your kids, or usually not your kids. I mean, it's usually your grandkids because you like them a lot more and you like your kids. We get that. We understand that. So there's options. You know, it's so funny because all of our doom and gloom, we need you to be awake. We want to pique your interest. So you go and find these things, you know? When's the last time you heard about the railroad strike? You know, we were so fleeting, you know? Well, I do know that Mike Pence found secret documents. Whatever. You know what? I'm more worried about leaving money to my kids and grandkids.
Anthony Carrao:
So let Anthony and J.R. take that burden from you, because I know that J.R. is stressed stuff. Stressed enough for everybody listening. There's no reason for you to stress will make J.R. the one that's stressed out and we can help put a plan together so that you don't have to worry about your financial situation. But that is it for today's show. If you like what you heard, you have questions about any of the topics today or you want to sit down with us to review your personal financial situation. You can reach us at Team@AnotherMoneyShow.com. Find us on the web at Another Money Show dot com. You can even schedule appointments with us straight from that website. In the meantime, you can check out the newest episodes, the oldest episodes of Another Money Show wherever you like and subscribe to podcast. Remember sitting with us at Rotchford and Associates? There are no minimums. There's no cost for appointments. There's nothing to lose by getting a second opinion on your financial situation. And in the meantime, we will see you next Saturday at noon right here on AM 960 The Patriot.
Producer:
Thanks for listening to Another Money Show. You deserve to work with a private wealth management firm that will strategically work to protect your hard earned assets to schedule your free no obligation consultation. Visit AnotherMoneyShow.com Investment Advisory Services offered through Brookstone Capital Management, LLC BCM A registered Investment advisor, BCM and Rotchford Financial are independent of each other. Insurance products and services are not offered through BCM, but are offered and sold through individually licensed and appointed agents. Investment involve risk and unless otherwise stated, are not guaranteed. Past performance cannot be used as an indicator to determine future results.
Producer:
You may already know what you want your retirement to look like, but do you know how to start planning to get there? I'm Matt McClure with the Retirement.Radio Network. Powered by AmeriLife.
Producer:
Where am I? I don't.
Producer:
Know. That's a question you must ask yourself before you start plotting out your retirement planning journey. After all, if you don't know where you are, it's pretty much impossible to get to your destination. Step one is keeping track of money that's coming in and what's going out. Otherwise known as a personal budget. It's an important thing to have. But a Gallup poll from 2016 found only 32% of couples keep a written budget of any kind. A lot of people tend to think of budgeting as prediction, estimating what you'll make in future months and how you'll want to spend it. But the most effective budgets work exclusively with present dollars. After all, you can't give orders to soldiers that don't exist, so the size of your army is only how much money you currently have in your bank accounts. And as general, your role is to give every last one of those soldiers a job. To do that from PBS's $0.02. Now, once you have a basic idea of what you're dealing with, reach out to a financial advisor, a professional who can go more in depth. We want you to do a financial checkbook checkup. It's just like getting a checkup at the at the doctor's office.
Producer:
Ford Stokes is founder and president of Active Wealth Management. He says getting a smart inspection of your finances is essential.
Ford Stokes:
You want to review your accounts, you want to look at your IRAs, your four trunks. Anywhere you hold assets, including cash, you want to check your balances, you want to review rates of return over the last 12 months, three years and five years. You want to answer this question, Do you have an income gap or do you have an income surplus? Understanding where you are now will help you plan for the retirement you want, leaving your future in your hands instead of the hands of the market or the IRS. So are you ready to reach out to a financial advisor for a smart inspection of your current situation? That's a key question to consider before you start your retirement journey With a Retirement.Radio Network powered by AmeriLife. I'm Matt McClure.
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