broadcasting from coast to coast. It's the financial safari with your host coach, Pete the Ruta. You'll hear from some of the nation's top financial professionals. So stick around and find out how to make it through the jungle of the financial world. Right here on the financial safari. Welcome to financial Safari TV. My name is Cynthia DeFazio, and I'm joined today by Coach Pete Better known as the People's Choice. Coach Pete, how are you doing? Great. How about you? I have been doing fantastic, and I know you've been exceptionally busy, So I'm so thankful that we have this time together because thank you for carving out a little bit of time to reach out to our viewing audience at home. It's always fun to talk to you. I always want to talk to you. Thank you. So today we're gonna talk about a lot of different financial topics, and probably people watching will say, Well, one of those interesting to them, the other one might not be. That's just like financial world. We have a financial grab bag and we basically have toe reach in and decide what we're gonna talk about. But every single day I engineer my conversations around what people want to talk about when they come in to see us. So some people are worried about Social Security maximizing their Social Security, making sure they have a tax free retirement or making sure they really do have a retirement income and solving for that retirement income gap. Cynthia, that's very important. Sure, Coach Pete. What causes a retirement income gap? Number one is lack of planning sometimes or being told something you thought was true. That wasn't true. This happens way too much like your broker keeps telling you everything's gonna be fine. Don't worry. We're gonna get When you get to retirement, you'll get plenty income. But they never tell you what the income is going to be. I'm a pretty much of a show me not tell me kind of person. So if everything's gonna be fine, I'm gonna have plenty of income. What will that income be? Yeah, tell it to me and guarantee it. It's not guaranteed. It's really not part of a plan. Sure, if we're building a retirement plan where it's pretty absolute. When you tell the boss you're quitting where the boss tells you, you're not welcome anymore. You're retired. So when we're retired, we need to make sure that our money starts to pay us a salary for the rest of our lives. Sure, and that's called income planning. The only way to do this is to have a real team work behind the scenes and put together a true income plan. Okay, And now we can solve for income gap income. Gap is basically when we retire. Now we don't get a check anymore from our company. That's called a pension companies just to give you a check when you retire. They basically stopped doing that. It's up to you now to fund your own 41 K for three B thrift savings plan. But you also get Social Security. Social security is the money that comes in. If you and if you claim Social Security right, you could get the maximum benefit you're entitled to, and you should. If you don't, you could end up cost yourself a lot of money that pays the necessities many times it pays, like the water bill and hopefully, the heat. But if you want to do anything fun in life, you need to have your own income sources. We call those income streams. So, Coach, how do I get an income stream? I've got this big lump sum in my 41 K plan, which, by the way, the 41 K. Then we call that a retirement plan. But it really doesn't answer the retirement question, does it? It builds a lump sum, which is fun to look at. You have to know that lump sum is not all yours because a lot of that's gonna go away in taxes. And number two, If you start taking money out of that lump sum, it'll go down in value. So you hope the market recovers right and keeps going back up. But what if the market goes down and you're taking money out? Now, you start to get worried because you could get down to zero and you're and you're out of business in retirement. Can't be out of business of retirement. So we need to know if we could take some of that money into 41 k, that lump sum balance and we could know with certainty what portions of that balance will give us a Sfar as a lifetime income. We could never outlive whenever we choose to activate the income, then it makes it a whole lot easier to have a real retirement plan. Because now we know what our income is gonna be. A bond. Cynthia. What I'd like to talk about is we can tell you what the guaranteed minimum income you'll get in the future way. Can't tell you the maximum because we don't know because the vehicles we use what you share in the game, the market when the market goes up. But when the market goes down, your money doesn't go down. Stays there. So sharing the game don't give back. We call that advance and protect. And so if we have a lot of good gain years in between now and retirement, the number that I tell you you're gonna get lifetime income is gonna be a lot smaller than the real number s. So we have. The minimum we talk about then is a maximum. Some way up here somewhere in the middle, is what you're gonna fall. But when we design our plants, we tell you about the worst case scenario. That's not negative, but we're pretending the market goes down every single year until retirement. You need to know what that number would be, just in case it happens. But when it be great to have more than that number, what we see way too many times and when people come in to see us, they said, Well, my broker said I'm gonna get this amount of money. I'm gonna have 10% growth year or whatever and they're not getting it. Eso they've been over promised and underperformed when to be great toe under promise and over perform. That's what we dio And that's why we've never had a complaint in 29 years is because almost 29 years because we do what we say. Say it, we dio we don't over promise nothing worse to being over promised than anything amazing 29 years and not one complaint completely very proud of that. I am. Yeah, I'm always worried, though, because we wanna make sure that everything stays the same, right, because when you go to a restaurant, you see people complaining all the time. We're gonna complain society right now. Of course, they call that you build you up and then you take you down a cancel culture we call it right? And so I'm crossing my fingers every day that everything what goes like we say Because we do what we say. And when we're using, we're using the truth you can't argue about. Someone could complain about the truth. And sometimes we have to deliver bad news because, hey, you don't have enough money put aside for income for half the income you want in retirement. What can we do next? Or your broker didn't build your money like they thought So now you have an income gap. So how do we feel that income gap? Well, we could take some money from other places, and we can put him in that advance to protect strategy where you always have the money going forward. And you also know what your income we're gonna is gonna be. And I like 2345 different streams of income in retirement that you choose when you want to activate these streams and they never run out the rest of your wife's and next to your your spouse's life to it goes on and on and on. And so it is the true stream that never stops, and I love that you plan for the worst case scenario just in case, because so often people don't you think everything is going to be smooth sailing? But Coach Pete history repeats itself. We've had some pretty tumultuous years. Exactly. And who knows what's gonna happen next? Right? We never thought what would have happened through the Koven stuff would have happened. We never thought 9 11 would have happened. Things happened. We never thought the banks would have taken people's mortgages and divided them up in hundreds of pieces and fractionalized him and had the mortgage fiasco in 2007. 89 Remember that? And so could it happen again? Well, history always repeats itself, unfortunately, right. So we need to make sure, though, that we isolate some of our money. Put a force field around our money bond, make sure the money doesn't go away. I call it financial tethering. Let's make sure you see the parades and Macy's Day parade back in the day. The big, old things that had, like, 50 people around it with strings holding like ropes holding down well, that's what's happening many times to to people's portfolios. They have too many, like too many brokers making money out of holding it down. But sometimes holding money down is a good thing, because holding it away from getting taken advantage of or blown away so tethering could be used on a good part or a bad part. It could be used to hold your money down with financial termites, risk fees, commissions. Or it could be used to keep your money from blowing away. So you need the proper tethering in place in the financial vehicles. And so how do you do that? You need to deal with someone who is a true fiduciary, and we are and who is a true retirement planner because I am retirement income certified professional folks. There are many people that have that designation for reason. Very intense. Three courses, each one with a Proctor exam. I don't like tests. It took two years to get it, but it was worth it right through American College, because now I've been doing this since I start in the financial world. But now I could, with certainty, tell you about lifetime income you could never outlive. And that's the beauty of a true retirement plan. If you just have lump sums and you're getting into retirement. You don't have a true retirement plan. Eso If you're dealing with someone, they keep saying the retirement gonna be fine when you get close, we're gonna tell you what you're gonna get. No, folks, you need to know right now what you can get at any time in the future and we could do that. So don't don't let anyone tell you you can't do that because it is possible we do it every single day and you could have it done for you folks. If you call right now, I'm also gonna give you three books set and I've got a DVD. I've got a workbook guidebook Siris in a box set called a 41 K Survival Manual box set. We have more information in our office thing. A lot of libraries do, I think, because it's all financially educated for you. So call the number for the next 10 people. This over $1000 value. Our strategies work best for those of you with over $1000 billion for retirement, save for retirement, but a za long as you have at least $1000 put aside we will help you. That's where the 1000 came from. So we wanna make sure that people anyone watching gets a true retirement plan in place and no one should be kicked out or told they can't have one because I think everyone deserves to at least know what your retirement number is gonna be and what you could have based on lump sums you have put aside already. So it long as you are serious about trying to get a plan together, we're serious about helping you. We spend a lot of time doing that forensic analysis and and and, uh, analyzing what people already have. Sure way find so many mistakes, Cynthia. So the best time to find them is Thio. Clean him up is right now, So that's why let's make it 20 instead of 10. The next 20 people call, we'll put it all together for Coach P. Thank you so much. I love when you open up the phone lines because they are still like their lighting up is. We're speaking. So to the viewers at home, it is time for us to take a very short commercial break, but we know you have a lot of questions about how to plan. You're perfect retirement. Just by calling the number on the screen, Coach Pete is offering the next 20 callers the opportunity to have a very comprehensive plan put in place. Once again, the phone lines are now open. Called the number on your screen. We're gonna take a very short commercial break. When we come back, we're gonna have more questions and answers about planning your retirement and now a nightmare. Retirement consultation. Yeah. No pain, no gain, right? No risk, no reward, right? We're going all risk. See, we're gonna put everything you've got in the market. You're gonna love it. Don't walk, run from that office and go to your future retirement partner with your best interest in mind and with a plan that's customized for your risk tolerance. And that can help increase your financial confidence in retirement. Meeting our son Crazy road trips. Memories with Grandpa Be meeting with Financial Advisor My fourth job exploring our world, our world, our first state are special song securing my retirement family and family friends. Your retirement journey begins here. Our podcast financial pizza brings you our favorite radio segments of the week with delivering slices of interviews with financial advisors from around the country, along with special reports on a variety of retirement topics. All brought to you hot, fresh and in 30 minutes or less. Listen on your favorite podcasting app for visit financial pizza dot com. Welcome back to financial Safari TV. My name is Cynthia DeFazio, and I'm joined today by Coach Pete Better known as the People's Choice. Great first segment. Coach Pete and I have to just jump in and ask you, Why do so many people not have a true retirement plan in place? What's your opinion on that? I just think that life gets in the way, Cynthia or we're told that we're fine or that everything's gonna be fine when we get there, but we don't know. And so I'm in writing kind of guy. I mean, you could tell me, but show me, Show me Everything's fine. Let's see, what's my number? How much am I really going to get in retirement? And if you don't know that folks, there are ways we could tell you based on what you have put aside, if we put it in the right places, what your lifetime income would be right now. Okay, You could start today. Or you could start 10 years, 20 years, 30 years down the road. We could tell you exactly what is gonna be no matter when. Anywhere in between there too. Which is amazing. It's It's like a crystal ball. In the financial world it is. We can look ahead. We tell exactly what you're gonna get. Income wise, folks, that takes a lot of war. You have planning living, retirement, doing what the income is gonna be. And if it's not good enough, if you don't like it, well, then it's still ways we could make changes going forward. But at least you know what the minimum is gonna be based on what you have put aside right now. That's good. That's good to know really is. And so optimizing your retirement plan or your stock plans are very important. Now what is optimized mean? We'll make proper diversification in your whole portfolio. When we talk about if I say the word diversification to you, what do you What do you think? And people I want people out in the TV you and think about this to hear diversification. You hear that word? What does that mean? The stock market? Multiple senses. Multiple streams, if you will. That was, in my opinion, Coach Pete. Yeah. What a lot of people say. Diversification is the stocks, bonds, mutual funds. I'm diversified. I have stocks and bonds of mutual funds. Guess what they all have in common stocks, bonds, mutual ones, all risk bonds. People say what it was Coach Pete talking about. Bonds don't have any risk. Yes, it's. Interest rates are very low now, so it's interest rates start to go up. Bond prices will go down. So there's the risk element because we're gonna go interest rate environment, right? I mean, look at the mortgage rates. Yeah. So if interest rates start to go up, your bond prices are gonna go down, which means you're gonna be walked into Bond. You can't sell anybody else because I don't want it. Yeah, right. So way have to be careful now because stocks, bonds, mutual funds, all risks. So that's not true diversification. True diversification is diversifying amongst all different asset classes and income sources. See, one thing we didn't talk about when we said stocks, bonds, mutual funds, not one of those gives you lifetime income this guarantee. So we need to take some of the money away from there and put it what I call green accounts stocks, bonds, mutual funds or read accounts. That means they could go up a lot, but they could also go down a lot. And then we have yellow. Yellow is emergency money. That's money you keep in C. D. S or under the pillow at the bank accounts. Those kind of things. Money you could get immediately emergency. I've seen way too many people lately with way too much money and yellow accounts. You're not gaining much money in a bank. You're lucky to get one or 2%. Absolutely. Inflation historically is about 3% on average. So if you're only getting 2% of the bank and inflation is 3% every year, you're losing 1% of buying power. So in effect, you are losing money safely. So nothing wrong with, and I love people having emergency account. If you have rental properties or if you have real estate, you need about nine months worth of expenses for each one of those properties in your emergency account. What if a tenant doesn't pay and you're still have, and you still have mortgage on that property? Well, then you're gonna have to use your emergency account to pay it. It might take a long time to get the tenant out these days, absolutely so that's yellow. So green is the most overlooked of all the asset classes. That gives you growth. When you don't need the money, it advances your money. It protects your money. So you got growth protection and then the best element of green accounts. You have lifetime income you could never outlive. There's the retirement playing in the green accounts and Cynthia. Most people come in and we diagram out on our 8 ft white board where people are right now, folks, it's great to see in writing. Most of the money is in red. A lot of it's in yellow now. Not much in green, because green is not pushed by Wall Street because Wall Street can't make commissions out of your money sometimes every single year on those annuity. So we have to be very careful on Thea Green accounts need thio to be established. We need lifetime income accounts, taking some money off. And here's what it does to. Not only do you have a lifetime income now, if you do it right, but you have proper diversification because now you're diversified amongst red, green, yellow instead of all in red to scramble like scrambled eggs over on the red side. We need three distinctive eggs. Yolks in three different counts, right, one in red, one yellow, one agree? Okay, And every now and then I'll try to make my daughter an egg like that, and I'll break it when I flip. It was going to make sure it doesn't get broken, so the ones in the ones in the green accounts will never break when you flip them. Yellow ones will never really be flip because it's not cooking that much because it's only one or 2% interest. But it's safe. The red accounts. They could crack all the time. Okay, so we have to be very careful how we design our plans, and we have to be very, very careful with the term. So diversification Big One and diversifying amongst asset classes and income sources. That next part, that Part B is overlooked. What we'll do that the next 10 people call, we'll make sure they get their very own lifetime income. Explain to them and we make sure it will make sure to categorize all what you have now. Red, green, yellow. But we'll design a plan that encompasses all three of those colors in the proper order and design based on what you say you want to do in retirement. Makes sense. Coach Pete, What is your opinion on annuities? And there's a lot of negative stereotype on some of them for different commercials and what have you. But what's your opinion with annuities? Well, there's I call it the annuity Soup or Annuity gumbo. This this four distinctive kind of annuities. And unfortunately, there's one that's like the misbehaving brother in the family. Right we had I had two brothers on one of three. One of us was always in trouble. Teachers was one that was really in trouble. Lots of our last name became synonymous with in trouble, so we got blamed for what the other brother did. Eso annuities, Right? So annuities have the same last name, but they have different first names. Okay, The first name that I don't like the only name that I don't like is called a variable annuity. You might even go up and down all around. That is a red account to me. Annuity should be all green, the green accounts because they will protect your money, they'll advance your money, and they give you a lifetime income. But the variable annuity could go up and down, has a lot of fees and expenses, like up to three or 4% every year. Coming out. Why do Why do people have variable annuities? Because brokers want to sell an annuity, but they want to make money every year on you. Very careful on variable annuities. Then it's a fixed indexed annuity, which lets you share in the game of the market and watch your gain. And every year there's a bunch of them out there. Those Cynthia so some are good. Some are bad. That's why it's important to deal with a fiduciary planning for him That's independent. If you're dealing with a sales person who works for one insurance company and their products, not that good, guess what? They're going to sell everybody that product cause they're told Thio to work with a bank a lot of times the bankers have to push certain mutual funds or stocks or stuff like that. So just make sure to have your annuity analyzed. I love annuities for lifetime income. If you get the right one s, getting the right fit is very important. And I will explain it to anybody who wants to call. And But don't be fooled by hearing that all annuities or bad or all annuities air good, they're good and their bad. They're perfect fits. And they're awful Fits. So like shoes, eh? So let's make sure you get the proper fit for you, and they improve to like cars. So you may have an older annuity or may hurt bad things. Annuities got really good the last four or five years. Insurance companies really stepped up to give you that lifetime income and protect the money you want protected. And make sure you have growth when you're not needing it. So okay, let's make sure you just get everything, analyze and get a real plan put together. So next 10 people will do that for me. No cost. It's $1000 value, and our strategies do work best for those of you with over a million save for retirement. Absolutely. This is the perfect time for us to open up the phone lines, Coach Pete and they're already lighting up. So I'm so glad we're gonna go ahead and do that to the viewing audience at home. The phone lines are once again now open. Just call the number that's on your screen today. We know you have a lot of questions about how to plan your perfect retirement. Coach Pete has the answers for you. Once again to the next 10 collars. The phone lines are now open. We'll be right back after this very short commercial break. Yeah, yeah, it really does Take the warrior out of living in retirement if you get a true income plant built into your total plan. And and that's why we try to future proof your portfolio. Look at what you want to do in the future. Make sure you have protected money protected from inflation protected from risk and taxation. To make sure that you get that income all the way through retirements, you could do what you wanna do, because that's what retirements all about. Take the mystery out of retirement planning by mapping out where you are now exposed hidden fees and commissions from working with your current plan or advisor. Discover how you can possibly reduce your taxes and increase your cash flow. Create a customized lifetime income plan that could turbocharge your retirement. In short, take the guesswork out of financial planning and welcome back to financial safari TV. My name is Cynthia DeFazio, and I'm joined today by Coach Pete Better known as the People's Choice. Coach Pete, let me ask you a question, and I love how you use this terminology. But why is it sometimes your retirement plan is like a hitchhiker? Let's talk about that. You don't want it to be, by the way. So, uh, we've all been driving down the road and seen somebody hitchhiking. I've never picked one up. Some people dio I just don't wanna put my life at risk or whatever, but here's how I compare it to retirement. The reason why the person's hitchhiking. Many times they might have a gas can in their hand, right? Or maybe the car ran out of gas. That's that's why I look at it. And so when we get to retirement, if We don't have a properly designed retirement plan and we want to re run out of money. Were like that. Hitchhiker were basically stumbling through retirement with no plan and no money. So we don't wanna be in retirement with that. Gas can empty. We never want our our plan to run out of money. And if we designed it right ahead of time, folks. Very important. If you design it right ahead of time, you will never, ever run out of money. Matter of fact, you could have increasing income all the way through retirement if you designed the proper income stream to go. Got a new wine out called Income Stream, by the way. Yeah, so kidding us. California, California read. You read Income stream, but we talk about there's nothing better. Last year made I had a wine call first down because there's no better thing if you're watching football than your team getting a first down. That means they're moving down the field and I did a show with Daryl Davis. He's a Hall of Fame running back with the Denver Broncos Super Bowl M V P, and we did radio show together for years. Hey, said. Coach, the most important part of the football coach would always say, We need to get four yards every play because we always get first downs first downs, move the ball down the field the right way In retirement, We wanna get first down every single year because we want a new income coming in. Every single year, we get another income check. It's called a financial fill up. You can design it every month if you want it. Some people like it monthly. Some people want a big check every year. It's up to you. If we design different income streams, maybe we have one. Come on, March 1. Come on, May 1 come on September and one come in January. So now you get four different income streams. That that there is very fun to have that happen because we know that's gonna continue to come all the way through our lives and all the way through our spouses life. That's a true income plan that gives you true peace of mind. And that is the true diversification we talked about earlier. When we have our diversified money between risk, safety and income, there's three parts we always remember the risk diversification. We've got different stocks or different mutual funds, maybe a bond or, to all risk read accounts. We need to have some green money, but we have lifetime income. We have growth, protect that growth and then lifetime income. When we decided to get that when we activated were in control. We meaning whoever has the the strategy, not we meaning the money company. So we meaning you. We we That's yes, yes. So then we flip the income switch, we activate it, and now we get lifetime income not only for us, but for our spouse to. And then if we passed away too soon. If we both pass away, there's a there's if there's a balance here still goes on the next of kin. If there's no balance, you continue to get to income all the way through your wife's. Anyway, that's the magic who could go down the bank, a bank and you got a zero balance. You go and ask for money. They probably gonna go to the cops. And so you try to rob the bank exactly, but you could get a zero balance check for the rest. Your wife in the proper strategies. That's a true retirement plan. That's a pension. And so that's what companies just do for us. And they've cut that out. 1241 k came in in the nineties. They say there's a good way to now not have Thio, uh, fund our retirement for our boys will make them do it shifted the burden. So, folks, that's why we have the 41 K. That's why you look at that 41 k balance and you say, Gosh, that's a big balance. It iss maybe for some of you. But we need to know that a lot of that money there in the 41 K is gonna be taxable. And we also need to know that if we don't have a proper income plan, that lump sum won't look quite as big. We're having to take money out. And what if we have to take money out of that lump sum in the market crashes and now we we wonder, for retirement's gonna be there. So there are ways we can have lifetime income guaranteed for the rest of your life. Everybody listening and watching needs to get this. I would say the next 20 people that call will do it for him. I've got a three books set now that one of the books that I recommend is the the book that my most recent one, which is the best set with seven baby step This'd my favorite book. People love this book. I tie stories of my childhood in their on and tied in the financial world cause the financial world complex. Boring. Yeah, yeah, Tedious. OK, but it really comes down to two things. What kind of money do you have now? What kind of income do you want later? Everything in between this fluff noise, whatever. But we can show you based on the balances you have what kind of income you could be guaranteed at the minimum amount. Could b'more not less so This way you design a true plan around knowing what the minimums are. And in the back of our mind, we know that what we're hoping is gonna be better than the minimum, but will never be worse. So then you could design a plan if we if we give you the blue sky, I call it where we're saying, Oh, if everything goes right. If the Big Dipper aligns with the North Star and, uh, whatever way you look up the sky and the moon goes between it, then you're gonna get 10% a year. Well, that's not gonna happen, So we need to know with certainty what our lifetime incomes gonna be sure for peace of mind. It does. And that's what that's what it really comes down to having a When you have true understanding, that's a feature, understand? But the true benefit is you're not worrying anymore. And you're able to live your life in the main advantages. You're not. You're not sitting there having a run to the TV. Turn on to see what Cramer's saying to see if your money is up or down. Right? So we need to isolate sum of money from the noise, the minutia of the market, and we need that lifetime income plan we need. You utilize the stock market to in a special manage accounts way. Call that explore account, but we never recommend Explore that. That's when you go up and down. You go way high, go way down until we have our core funded. The core is your lifetime income accounts. Many of you watching don't have the core accounts right now. We see this over and over again when we diagram out on our big white board. Red, green, yellow, lots of red, some yellow. That's emergency accounts. Read his risk, by the way. Okay, Not much. Green Green gives you that peace of mind knowing what you know with certainty what your income is gonna be. Now you're in control. You could build a plan around that. So that's what we do. I mean, it's its's kind of simple to us because we do it all the time. But it's complex if you don't know what you're doing or if you're dealing with a plan or who is more more concerned about keeping your money at risk, because if they keep your money at risk and there's risk accounts, they're compensated on that risk accounts. So it once it goes into safe accounts, they're not compensating for a lot of times. So that might be why they don't like safety. I love safety because when the market goes down, you realize how important safety is not all your money, some of your money for the income you want the future absolute, very important. Absolutely. Coach for people that are obtaining the complementary consultation that you're offering today. Is there a list that they need to bring with them Any documents that you I need them to bring? The funny thing is, through market crashes. When people have come in in the past, they'll bring in statements. But the statements are still in the envelopes and they're not open yet. Right? If you don't open, it didn't happen, right? Eso one year, I designed special letter opener and I gave everyone here take a letter opener home with you. So we still have some of the office. I think now it's important to bring everything that you want understood or you want to understand. And and you want us to explain to you bring everything in? I say, take one of those big old shopping bags and to sweep all your statements in there, and then we'll help We have gigantic conference tables. Well, open your statements for you if you need them. Okay, Well, itemize it and then we'll diagram out, take all the statements and make it very easy to understand what the balances up on a white board and we categorize those in red, green, yellow. So we do that. We have a big list and read many times, but we don't have any green bond. So then we show you what I would take this and move it over here. Sort of like the diagram a football play out on the board. John Madden used to do it on TV. Oh, boom, boom, boom. So we just need to know with certainty what our money is going to do for us instead of not knowing what's going on. And so if we're not even understanding our statements or not really looking at and we don't really know what's going on. So the folks there's ways to get educated and his ways to get that peace of mind. It really feels great when you design a real plan, because now you don't have to worry anymore. And so new money coming get new money. You put you decide if you want to do red, green, yellow. But now you have. Now you understand all those red, green, yellow and what they benefit you, how they benefit you and how they hurt you. If you in the wrong place. Absolutely. We'll do this for the next 20. People call as we wait for the week and I've got a three books set for you. I've got my DVD on retirement. People gave this way last week. People love it. Yes, absolutely. Have to have a DVD player. Yeah, that's a great one. But I've got my book, the seven baby steps and a couple other ones. You could have written it. You get to choose, so that's also let's do it. Let's give it away to the next 20 people and and then the Golden ticket for your no cost true retirement plan put together for you by a fiduciary team. Which is invaluable because people need to have that peace of mind so often they just don't know where to go. So thank you so much for your time this week. I always enjoy seeing you want the information that you share with the viewers at home to the viewing audience at home. The phone lines are now open. Thank you so much for spending time with us again this week. We know you have a lot of questions for Coach Pete. We'll see you back here again next week. Be safe. Be happy. Be blessed and retire comfortably. Thank you. Okay. E