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Welcome to the show. I'm Rashwan McDonald,

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Masterclass.

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I'm Rashan McDonald's host this weekly

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The interviews and information that this show

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provides are for everyone. It's

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time, my motto, it's time to start reading

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1:01

Please welcome to Money Making Conversation Masterclass.

1:04

Boll Henderson. How you doing, mister Henderson?

1:07

I'm doing good. Good to be here.

1:09

First of all, what

1:11

is a good age to retire?

1:15

I tell you I think what I'm seeing more

1:17

and more is the definition

1:19

of a retirement's looking like is changing.

1:22

The trends are changing. I'm seeing more and more

1:24

people not necessarily

1:26

just leave a career after thirty years plus.

1:30

Maybe they're doing something completely different part

1:32

time. Maybe they're consulting part time, they actually

1:34

start traveling, doing

1:36

the things that they know they want to do a little sooner.

1:38

So the right time is

1:41

as soon as you realize do

1:43

some proactive planning and realize that you can

1:45

make it happen.

1:46

Now, I mentioned this several times on my show

1:49

the past month, is that in twenty

1:51

twenty four, four

1:53

million people will reach the age of

1:55

sixty five, and that used to be the retirement

1:58

market. Please explain to me, you're retirement

2:00

expert. Why is there

2:03

this statement

2:05

or this feeling that when you that

2:08

the government is going to take care of you

2:10

when you retire. Am I saying

2:12

that right, because that's how they kind of say

2:14

it, but then like telling you numbers and

2:16

it's kind of a big mislead.

2:18

Correct, No,

2:20

it is. And the issue is you think about

2:22

one of the biggest sources of income

2:24

in this country's social security right, and

2:28

the problem is when that came out in nineteen thirty

2:30

five, FDR rolled that out as part of his

2:32

New Deal for History people. It

2:36

started or the full retirement age benefit was sixty

2:38

five. That's where kind of that that

2:40

that's retirement age. You know,

2:43

you started hearing that and seeing that most of our parents

2:45

that was their full retirement age. The difference

2:47

between nineteen thirty five in a day, though, is almost

2:50

no one lived to sixty five years old in nineteen

2:52

thirty five, and the few that did didn't live

2:54

very long. So when we're talking

2:56

about retirement in a traditional sense,

2:59

somewhere in the late fifties, maybe if you're

3:01

doing it early in the sixties in

3:04

claiming benefits are starting to draw down assets,

3:06

that's a long time For people now

3:08

living twenty thirty, I've seen forty years

3:11

past that marker. So we need

3:13

to I think what we need to really think about is

3:15

is changing the definition of

3:17

what retirement is and we how we

3:19

approach it.

3:20

When you say changing the definition, help me out,

3:22

help my audience, what do you mean when you say that?

3:25

Sure, well, I think

3:27

the idea of that. Okay,

3:29

you're gonna get me on a bandwagon.

3:30

Here a shot, Come on, Roe, you got thirty minutes.

3:33

Come on, I didn't bring you on for a shot rep talk. You're

3:35

ready to get there, all.

3:36

Right, we're going to We're gonna go big

3:38

here. So I think the financial services

3:41

industry will take them on. Okay.

3:43

I think by and large it fails

3:45

the person, the average person trying to

3:47

retire. I think it's outdated.

3:49

I think it serves billionaires

3:52

that have their names on buildings in Manhattan, and

3:55

I don't think it puts the person first.

3:58

That when you think of yourself, your parents,

4:00

your your brothers and sisters and all that, I

4:02

don't think it's putting those people first. And I do

4:04

think there's a way we can do it to

4:06

where it's win. When I get it, I run a business.

4:08

I get it the businesses need to make money, but

4:10

it also needs to do it in service of people. And

4:13

I think a

4:15

lot of what's happened is these knowledge gaps.

4:18

You know, I was talking about social security, I talk about

4:20

investment planning and some of those things. The knowledge

4:22

gas. I think sometimes it's intentional, so

4:24

that people are dependent on these organizations

4:27

or institutions to support

4:29

them and help them and often kind of keep them in the dark

4:31

a little bit. So all that to say,

4:34

I told you I was gonna get on a roll. We kept on a soapball.

4:38

All that to say, I think if we can shift

4:40

from that, I'm dependent on somebody

4:43

to help me do it, or somebody's gonna help me do it. As I'm going

4:45

to be proactive. I'm going to learn the rules

4:47

that apply to my household and my situation,

4:50

and I am going to commit

4:53

to ongoing. It's not to

4:55

set something and forget it. Here's my plan Yearally.

4:58

We're gonna have conversations, we're gonna get comfort people

5:00

talking about money, go figure right, and

5:04

we're going to navigate this thing proactive

5:06

and we're going to and as

5:08

opposed to what most of this country

5:10

does. They're very reactive, and they address

5:13

things after something's happened, often after something's

5:15

bad happened, and we have less options

5:17

and we're kind of kind of in lert. So all that to say, I

5:19

think that the industry can serve,

5:22

can do better, but I think the consumer has to

5:24

step up and speak up and do

5:26

their partner. I think advisors as a

5:28

whole should step up and

5:30

do better because the technologies out

5:32

there, the information is now out there, and

5:35

I think there should be a big banging

5:38

a drum to do retirement planning better.

5:41

Well, you know, when there are commercials out

5:43

there, that's what they got them for. You know, I can rattle

5:45

off four or five commercials I see on a daily

5:47

basis, watching sports, watching just

5:49

everyday television. You can of

5:51

own YouTube their financial

5:55

and each one tells you a story that

5:57

they can change your lives. When

5:59

you're looking at these commercials, what annoys

6:02

you and what would you ask us

6:04

to look for?

6:05

Bo, I

6:07

think the shift needs to be

6:10

from just traditional financial planning,

6:12

and that's where I said that the industry fails people

6:14

because it's focused on numbers and spreadsheets,

6:17

which is an important component to

6:19

putting the person first. So person

6:22

first retirement planning is what I

6:24

really think we need to get back to and

6:26

where we can help and do better with that

6:29

is is could you imagine as opposed to

6:31

coming in thinking you're supposed to see a spreads?

6:33

The reason I was asking that was Dad, when I

6:35

was talking to bo about all these different things that we have

6:37

to deal with on the regular basis that you

6:39

know, when in data with so many commercials

6:42

and no one knows what to do, no

6:44

one I know, I don't know what to do. I don't know

6:47

what what's a good way to raise

6:49

the money. I don't know where to put my money.

6:52

I just I try to bring individuals on

6:54

this show on a regular basis talking

6:56

about terms that I wish i'd have learned

6:59

in my vocabulary, the compounded interest,

7:02

starting at the early age. That's why I asked them,

7:04

what does the retirement age?

7:06

Is?

7:06

How the retirement age mean something? Because

7:09

people have different steps of retirement.

7:11

We're living longer. When we live much longer,

7:14

you win. And by understanding

7:16

that sixty five is not the age anymore,

7:18

that that goal post has been moved seventy

7:20

five, eighty five, ninety five. I don't expect

7:23

to retire at sixty five. I don't protect

7:25

to retire seventy five. I'm planning my next dream.

7:27

That's why I always tell people never allow age

7:30

to be an excuse. Do you agree with that both?

7:35

I think. I think it can be a state of mind.

7:37

And it's about you know, I was talking before

7:39

for some reason I was getting I couldn't I could hear

7:41

you, but I couldn't get through.

7:45

That.

7:45

If we can step back and do something

7:48

that you know what I see is

7:50

that if you step back and just watch people kind

7:52

of people watch a little bit, you'll see a lot of sleep

7:55

walking through life. So busy with careers,

7:57

family, there's kind of going through the motions.

8:00

But if we can actually go through a process

8:02

to get clarity on what's that's

8:04

my firm Rich Life Advisors. What is your

8:06

definition of a rich life? What are your values?

8:08

What's important to you? And I can tell you

8:10

I've learned a magic secret in twenty four years

8:13

of doing this that comes down to three things

8:15

should I share with the listeners?

8:16

Where the three things aren't absolutely that's

8:19

why you're here both.

8:21

Okay, okay? So the big

8:23

three? Why do we do this?

8:26

Why do we do financial planning? Why do we have these

8:28

conversations? What I will

8:30

tell you is at the end of the day, it comes down to

8:33

that we will we want to do it for memories

8:35

and experiences that we

8:37

can that we can create and talk about more

8:39

time with the people we care about the most, or

8:42

relationships and our health.

8:44

Those are the three things that people would trade

8:46

all their assets for that

8:48

they have period And if we're not intentionally

8:51

creating planning to include those

8:53

things, we might just get busy and look back one day

8:55

and realize we missed the whole point of this whole thing.

8:58

Well, you know, when I think about my life, you

9:00

know, I have to personalize some of these things because,

9:03

like I said, I was talking, I was talking to a friend earlier

9:05

talking about a career. You know, the way

9:07

I was twenty, I didn't think about forty. I

9:10

definitely didn't think about fifty. I was

9:12

thinking about the twenties, maybe early

9:14

thirties. And we have to start

9:16

more. If you're talking about a financial life,

9:19

we really have to think twenty

9:21

and thirty years in advance wherever you're at,

9:24

because that's only where you're going to generate income

9:27

or long term income. As you say,

9:29

your company live a rich life.

9:31

Correct, that's

9:33

it.

9:33

Yeah. If we don't start planning and we try to do

9:36

it when we have to do it, it's kind of lake

9:38

right, and our options are less. And

9:40

I love it when I could get I could get a young

9:43

person to say,

9:45

hey, I'd like to have two million dollars three million,

9:47

whatever the number is, saved in twenty

9:49

years or something, because when we back it down into

9:51

what they would need to do this year, in this month, it's

9:53

not that daunting. But when we wait

9:56

till we have five years left, it

9:58

gets pretty stressful.

9:59

Right.

10:00

Can we map it out? Can we plan? Can we do proactive.

10:03

Because people have told me, I remember, I was a

10:05

guy when I was like twenty five, he was telling

10:07

me, I remember his name Don. He was telling

10:10

me, Rush, just save one hundred and fifty dollars a month.

10:12

Just say that.

10:13

And I went one hundred and fifty dollars a month.

10:15

I'm not gonna say hundred. And

10:18

you know, if I've done that, you and

10:20

I may not be talking right now. I will tell you that

10:22

right now, Bo. But that's

10:24

the process. Simply fifty dollars a month

10:26

can change your life. If you hold

10:29

on to that theory of saving fifty

10:31

dollars a month for fifteen years,

10:33

twenty years, you can conceivingly

10:35

be a millionaire based on

10:38

the type of process you have

10:40

where there's a compounded interest account,

10:44

average stock buying averages and things

10:47

like that. But these are the processes. But we're

10:49

not talking like both said five years

10:51

plans or trying to get rich

10:53

in a year. We're not talking to the lottery

10:55

mentality that a lot of people, the crypto

10:58

mentality you see people getting rich on up,

11:00

you want to dive in, thinking that's going to be your

11:02

moment. And so when people come to you,

11:05

what are some of the things that you have to talk

11:07

to them off? What cliffs do you have to stop

11:09

them from jumping off? A lot of times.

11:11

Both, right,

11:13

I think one the first one is a mind

11:16

shift, because it's a very different thing

11:18

to to work

11:20

and save money and spend a

11:22

paycheck and then have to shift to

11:25

now I don't have a paycheck anymore and I'm having to use

11:27

my assets to live on. So one of them is just to talk

11:29

through the mindset and the shift there. And

11:32

then the other is, well, you

11:34

reminded me of this when you're talking about we might not be talking

11:37

if you if you'd save the one fifty a months,

11:39

or we might be talking with you from the from

11:41

the coast somewhere right.

11:45

Well, a big mindset

11:47

shift I'm seeing is is there's

11:49

this thing we think, Okay, say this is an example.

11:51

Say I'm making seven thousand dollars a month at

11:53

my career and my career and

11:56

the mindset is either I got I have to I have to

11:58

keep working till I'm sixty five, sixty six

12:01

or our retire and the reality

12:03

is if you step back and get some clarity

12:06

on what's the actual income gap, what you

12:08

need to do. I'm sitting a lot of scenarios

12:10

now where I can help somebody say, you know what, if you

12:12

could bring in two thousand dollars a month from

12:15

sixty two to sixty seven,

12:17

you could go ahead and start traveling like you want to do.

12:20

You can start retiring sixty percent

12:22

of the time like you want to do. And it's not

12:24

you work or you retire. Sometimes you can

12:26

transition. But you've got to be open to the fact that

12:28

we have this puzzle and we need to identify

12:31

income gaps and holes, How do

12:33

we utilize your assets, pay

12:35

attention to taxes and retirement

12:37

can be a completely different thing.

12:39

Wow, I'm talking to Bo Henderson, the host

12:41

of the Retirement Resource Show. He's

12:43

had more than three thousand clients improve

12:45

their financial relationships with money.

12:48

When we come back. Scams, scams,

12:50

scams, scams, they're out

12:53

there. When we come back, Bow is going to tell

12:55

us how to avoid them. And if you get

12:57

hooked into one of them, he's going to tell you

12:59

some tech on making sure that doesn't happen

13:01

again. Don't go nowhere. Money Making

13:04

Conversation Masterclass will be right back.

13:06

I'm your host, Rashwan McDonald speaking with

13:08

Bou Henderson.

13:11

Please don't go anywhere. We'll

13:13

be right back with more Money Making Conversations

13:15

Masterclass. Welcome

13:21

back to the Money Making Conversations Masterclass,

13:23

hosted by Rashaan McDonald. Money

13:25

Making Conversations Masterclass

13:28

continues online at Moneymakingconversations

13:30

dot com and follow Money Making Conversations

13:33

Masterclass on Facebook, Twitter and

13:35

Instagram.

13:37

My guest is Bo Henderson. He's

13:39

the host of the Resource Excuse me least,

13:41

the host of the Retirement Resource Show.

13:44

And again, I guess told you before the broke his

13:46

hope helped many people, more than three thousand people

13:48

in his life and straining

13:50

life for money. But scams is

13:53

a problem out there. Bo, you

13:58

need to be here for me out brother, because I don't

14:01

even know how I can figure them out. Sometime they just come across

14:03

so fast. So please talk to us about

14:05

scams.

14:07

Well, it's fast and that they're really good now

14:10

right, And it blows my mind that people

14:12

are dedicating all their energy and resources

14:14

into scamming people. But I'll

14:17

tell you let me start with a quick story.

14:19

Not just a few months ago. I was I

14:22

was on a training trip in Rochester,

14:24

New York, and I

14:26

get a phone call and

14:28

it says it's from the local I'm up in Gainesville,

14:31

Georgia, up in Hall County. It says

14:33

that it's from the local police department.

14:36

Right, I'm like, oh, no, somebody might might have some

14:38

questions, et cetera, et cetera. And I

14:40

step outside of my meeting to take

14:42

the call. And basically the story was, well,

14:45

you had jury duty and I

14:48

didn't realize that. I had no idea you

14:50

didn't show. So now we have a bit sworn

14:52

out for your rest unless you can can just settle up

14:54

right now and pay a fee. Right,

14:57

And now I knew better, But uh,

15:00

I can see why you have some authority

15:03

or some kind of fear of literally

15:05

being arrested. It

15:08

creates this situation where people are being

15:10

scanned and they've gotten so good that

15:13

I said, the phone number looked like it came from

15:15

the actual police station. Right,

15:17

they can actually mask the numbers and everything else.

15:20

And I can especially see with the retiring demographic,

15:23

how you start getting calls about the IRS

15:25

or social security and how you might think of that as

15:27

an authority and do something you shouldn't do.

15:30

I'm telling Sam, I got the call from the IRS

15:33

one time and they told me that

15:35

I owed some money and it was

15:37

like it was like seven hundred and fifty dollars

15:40

and they said, and it was the

15:42

tone, you know, And I have to share this

15:44

story because I'm one of these guys, been

15:46

there, done that, you know hard. I know, I'm

15:48

very direct. But when they were talking

15:51

to me, they had they captured

15:53

me. And I think that's the key. Once they get

15:55

past hello and they started giving

15:57

you information. The longer you hang

15:59

into that conversation, the more you can

16:01

get drawn into the scam. And

16:04

I remember they was telling me, they

16:06

told me situations about and they kept

16:08

asking me for my social Security numbers. It well, sir,

16:11

if you're unsure and I'm calling the right person,

16:13

please give me your social Security number and

16:15

I can verify you're not that person.

16:18

And so it's those little

16:20

trick moves. First of all, they had my

16:22

attention because they said, our old money

16:24

to the RS, and nobody wants

16:27

to owe money to the IRS. And he said,

16:30

just amount seven to fifty. I want to get

16:32

that cleared up and verified and

16:34

so. But the key is they wanted

16:36

my social Security number and I refuse

16:38

to give it to them. And then after I hung up with

16:41

him, I called my accountant. He said, reshind, that's

16:43

one of the biggest scams going on out there. People

16:45

all right, they'll say they went to IRS. They

16:47

will call you, tell them,

16:49

tell you owe money, and try to clear

16:52

it up or verify that you don't owe

16:54

money by giving them your social Security

16:56

number. Wow.

16:59

And it'll go the other way too, say

17:01

somebody get to call them social Security and say, hey,

17:03

did you realize we did that? We did.

17:05

We realized we found an era and you're

17:08

entiled for more benefit. We just need to verify

17:10

some information, right you see. I mean it's

17:12

sneaky, and you

17:14

hit them on the head is don't give that information

17:16

over the phone. But what will happen with

17:19

these scammers A

17:21

lot of times when you try to disengage, they will get very

17:23

aggressive. And if you

17:25

ever feel the pressure or somebody trying

17:27

to pressure you into doing something that doesn't feel

17:29

like it's right or something's off, disengage.

17:33

Let the authorities know local any

17:36

information is given. We'll get to that.

17:38

But probably want to freeze, freeze your

17:40

credit and change your passwords.

17:43

But it's it's it's kinda beware

17:47

out there. And then the other one that comes

17:49

up that's got really good is email.

17:52

Right, the email looks like it comes from

17:54

and somehow they know places where you have

17:57

credit cards or or stop shop

17:59

at stores. And then basically have

18:01

realistic looking sites requesting information

18:04

to verify your loggain as as

18:06

soon as you get they're open and they can

18:08

get into whatever whatever account or whatever you

18:10

want to do. And a lot of times, if you're like me,

18:15

it can be it could be a

18:18

trap to have a lot of passwords the same password

18:20

in different places, or you might get your email

18:22

and password. They're wide open, right.

18:24

And two step verification, ladies and

18:27

gentlemen, you have to have two

18:29

step verifications. If you're just

18:31

logging into account without another

18:34

layer of security, you just

18:36

inviting someone in to just ruin

18:39

your life, just ruin your life. Two step

18:41

verification is to keep because I

18:43

have because especially in the email world,

18:46

especially in the social media world, I

18:48

get probably a boy, I'm gonna tell you this

18:50

boy probably bout four or five times a week.

18:52

I gave Facebook emails talking

18:54

about you have violated

18:56

you posted a photo or

18:58

you or if you don't their terms

19:01

and conditions of the Facebook, you

19:03

are going to be disengaged. You're

19:05

going to get your social media follows

19:07

taken away from you. And I

19:09

just ignore it because of the fact that

19:12

I have two steps and I haven't done anything wrong.

19:14

And also if it says look

19:16

at that, like like Bou was telling you, look at the email

19:19

address. Sometimes they'll

19:21

say Microsoft Outlook

19:23

or whatever you know, or Bank of America,

19:25

but Bank of America's misspelled. American

19:28

Express is mixpelled. But like

19:30

you said, bo, it looks exactly

19:32

like the credit card or the

19:34

bank that you're doing business with. It's very

19:37

scary out there both.

19:40

And they're doing something that's working against our

19:42

human nature. Right. They

19:44

know that they elicit enough and of emotion it

19:46

can create an irrational response.

19:48

That's my behavioral background coming out. But

19:51

what they're trying to do is create fear, anxiety,

19:53

or worry, and that's that's when we're in

19:55

a state that we're more likely to do something

19:57

we shouldn't. So if I can encourage

19:59

it, anybody, if you feel that, if you feel anxiety

20:02

or somebody's asking me for something, I promise

20:04

you, if you really owe somebody money, they'll take

20:06

it tomorrow. They'll take it later this afternoon,

20:08

after you verify some things. Once

20:11

you cross that lot right now.

20:14

If you you's a key question here. You've

20:16

shared your information botho

20:22

what happens and can you save

20:24

your life?

20:27

You get it can be a pain, and

20:30

I've seen it be that could be a big hassle, and

20:32

you immediately want to freeze credit, go

20:35

and change passwords everywhere, and

20:38

very proactively monitor your credit because

20:41

that's that's where that's where you can

20:43

see some bad stories about. I mean, I've even

20:45

seen seen hackers start with credit

20:48

card information and then then before long there's may

20:50

check an account. So

20:53

so you have to be proactive and the and the problem

20:55

with that is once it's happened, it is a hassle.

20:57

There's no there's no easy you do this thing and

20:59

it fixes that. You're going to have to work through

21:01

this and I've seen it take months and months and

21:03

even in some cases years to work through

21:06

undoing everything that can be done.

21:08

I'm talking to Bo Henderson. He's the host

21:10

of the Resource, the Retirement Resource

21:12

Show. And when I when I

21:15

talk about the show, let's talk about how we can get in touch

21:17

with you. Bo I mentioned in the show Retirement

21:19

Resource Show. Are the ways that we can reach

21:21

out to you both?

21:24

Yeah, rich Slife Advisors dot Com.

21:26

That's the firm there in kind of North Metro

21:28

Atlanta. A lot about different

21:30

shows. We do different topics. I'm really big on

21:33

on education, meaning if

21:35

we if we learn things, we could

21:37

be better equipped to make better decisions about a lot

21:39

of these topics that we talk about where there's retirements

21:41

and the stuff for the scams

21:44

whatever that is. So Richlife Advisors dot Com.

21:46

You can always give us a call at seventy seven oh two

21:48

four nine seventy four two four.

21:50

Now when you talk about you know what is

21:52

fall spring? You always got

21:55

to clean up your your credit card, clean

21:57

up your financial picture and your retirement.

22:00

Give us a quick walkthrough when we think

22:03

that when we sit down with you and try

22:05

to get a clear understanding of what the opportunities

22:07

are available to us financially and

22:09

what strategy we should be looking at based on

22:12

our age, how does that feel

22:14

and what does it look like? Both?

22:16

Yeah, I think the key first is just

22:19

to

22:21

get some clarity around where we are because It's

22:23

not uncommon that we've been working

22:25

over our working lives and we have

22:28

ten, fifteen, sometimes twenty

22:30

pieces kind of scattered around. Not

22:33

that they're bad pieces, but they're not organized,

22:35

and they're not really necessarily efficient.

22:37

You know, if you have seven iras, there's

22:40

a very high likelihood that there's some redundancy

22:42

and an efficiency going on. So step

22:44

one is just to lay I call it lay your puzzle pieces.

22:46

That imagine it's a giant table. Let's lay

22:48

all the puzzle pieces on the table, and let's

22:51

start sorting them by here's my pre tax money,

22:53

here's my after tax money, here's any tax

22:55

free money. And then we start looking at

22:57

other things and saying, Okay, what are our social security

22:59

benefit that we have as

23:01

a tool to work with, what is our goal when

23:04

we like to retire in three years, five years?

23:07

What is the income gap that we need to

23:09

solve for? And a lot of times what

23:11

I find is when we start mapping

23:13

it out and getting clarity, we're

23:15

not We're no longer just just thinking

23:17

in these big terms, like well, I have a

23:19

chunk of money. I hope it works out. Okay. You

23:22

wouldn't believe how many people that's the retirement

23:24

plan they go into retirement with. I hope it works out,

23:26

okay, Right, So I think

23:28

the spring cleaning is just let's organize,

23:31

let's maybe get rid of some things that we don't

23:33

need, and let's start thinking

23:35

ahead to here's where I want to go in the

23:37

next three years, five years, ten years, and

23:40

how do I start preparing today for that instead

23:42

of waiting until I have to Because

23:44

if you have to do something, bad's probably

23:46

happening.

23:47

Well, I'm going to tell you some bo you've helped me out today. You

23:50

know you got me to confess. I confessed

23:52

on the show about avoiding scams.

23:55

Scared SCA mean, there's just scare you too. I'm

23:57

just talking about Listen, the should scare you, and

23:59

you shouldn't be just clicking only things. You should have

24:01

two step verification on all your

24:03

passwords and all your important accounts

24:06

that mean something to you. Should which is everything

24:08

and what I wanted to give as I

24:11

speak to you, But I want to

24:13

make sure you understand the value you brought

24:15

to my show today. Because retirement

24:17

starts at any age, but you got a plan for it.

24:20

Don't start retiring five years from

24:22

now when you know you should have started fifteen years from

24:24

those two. Those two different plans

24:26

are different. Again. Closing up, tell us

24:28

how to reach out to you so we can make sure we

24:31

find you where you're supposed to be there

24:34

to help us.

24:36

That's it, Yeah, anything all things. Retirement

24:39

of question is go to Richlife Advisors

24:41

dot com or you can always give us

24:43

a call seven seven two four nine seven

24:46

seven seven two four nine.

24:47

Rich I'm telling you, bro, they said you send

24:49

me some email and some differ different questions for your email.

24:52

I never got them. Know what that means. You're coming

24:54

back on the show. My brother with those questions, I

24:56

never saw.

24:57

Love it.

24:57

But you're a great man and I appreciate

24:59

you because again this information

25:02

show and if I can give something, share

25:04

something on this show that changes somebody

25:06

in life or makes them feel a lot better, I've achieved

25:09

the purpose of me talking to them today

25:11

and you helped me out both. I look forward to

25:13

bringing you back on the show. Thank you for coming on Money

25:15

Making Conversations Masterclass.

25:19

I appreciate it. I appreciate what you did.

25:21

Thank you. This has been another edition of Money

25:23

Making Conversations Masterclass hosted by me

25:25

Rashawn McDonald, Thank you. I

25:27

want to say thank you to all my guests on the show

25:29

today and thank you most

25:31

importantly you the listening audience. Joined

25:34

us next week and remember to always

25:36

leave with your gifts, keep winning.

25:40

This has been another edition of Money Making Conversation

25:43

Masterclass hosted by me Rashawn

25:45

McDonald. Thank you to our guests on the show

25:47

today and thank you o listening

25:49

to audience now. If you want to listen to any

25:51

episode I want to be a guest on the show,

25:54

visit Moneymakingconversations dot

25:56

com. Our social media handle is money

25:58

Making Conversation. Join us next week

26:00

and remember to always leave with your gifts,

26:03

Keep winning.

26:04

M