Ep 22: Planning for your retirement lifestyle (Financial Safari)
When your retirement plan is growing a lump sum, you don't have a retirement plan. A real plan needs to include recurring lifetime income to set you up to live the life you want in retirement. This episode explains what that looks like.
mhm broadcasting from coast to coast. It's the financial safari with your host coach. Beat the Ruutel 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. So 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 today? Doing great. How about you? I am doing fantastic. Thank you so much for asking. And have you been? It seems like we're just here. I'm in a great way back. Bye bye, Santa. They dio we slow it down a little bit. Press the pause button. Good. Oh, my gosh. I would go back to when my daughter was little. Actually, we talked about that Another show in prior week. But you asked me what time period I would go back. Thio I take her back down to that little agent when they were fun, corrupt, and give her cuddles and all that good. My daughter was about three years old. That was my favorite time with my daughter is 15 now. I still love her to death, but she's 15, so she's got her own little friend situations going on now. But it's fun when we were her world and she was our we're still is our world. But that was the three year old 3 to 4 fun times around Christmas. Oh yes, and it's wide eyed Wonder with everything I know I love that I love that well, we shouldn't be approaching retirement with wide eyed wonder. Right, Pete, we should We should have a plan in place, which is really why we're together this morning is to talk about the importance of having that comprehensive retirement plan, because many people in our viewing audience may be watching you for the very first time. Not sure what they're watching and trying to understand what exactly that means. So why do so many people not have a true retirement plan? But we don't wanna have to depend on striking a rich in one stock or buying a lottery ticket or going on a game show and winning of, like, a million dollars? We can't that can't be a retirement plan. We're going to Vegas and trying to hit the jackpot. When the pressure is on like that, you're gonna make rash and impulsive decisions, which are the worst thing for you. We'll take too much risk or if you're trying to play catch up in the financial world, Maybe you waited too long in your mind to start saving for retirement. Maybe did. Maybe you didn't eso. We always offer a second opinion just to help you analyze and and and believe it or not. Cynthia, in our second opinion service that we offer, we sit down with folks. We spent a lot of time educating them on where they currently are first. So it's really not a second opinion. It's It's almost a opinion about their first opinion. They have. They don't understand their their opinion about their plan. They have, but they don't understand. So it's almost like a first opinion on their current plan. But it's a second opinion from our from our point of view, from a fiduciary standpoint, from the satellite view down, we could show you where you are, where you think you're going, where you need to be. Okay, okay. So waypoints we call it so some people right on track. Okay, and then peace of mind happens because we give you that stamp of approval. I have a sticker, Coach Peter proved it says, And if your plan is like that will approve it, and now you don't have to worry as much. That's fantastic. You should always do, you know, every year, annual reviews on your portfolio and your plan. But here's the main thing that we see people come in. They say, Coach, I've got this retirement plan. I want you to analyze it for me So I I'm ready. Ready? I'll say, Yeah, show me the plan. They put all what they consider their retirement plan out on the desk, and it really isn't a retirement plan because it is lump sums, but no income. You don't have a retirement plan unless you have lifetime income. Very important, Cynthia, because a lot of people watching have been told they have a retirement plan and it's their 41 K or the Thrift Savings Plan or 43 B. We have a big lump sum, but there's no income, so the lump sum is gonna not have peace of mind for you. When you approach retirement cause you're gonna be afraid to take money out of that lump sum because you don't want to run out of money, eh? So what well designed for you is a true retirement income plan. I am a retirement income certified professional. R I C P. That's a true respected designation by the American College. American College is a place where financial folks get educated. And so it was three intense courses very hard and then three Proctor exams over two years. So it's not a junk designation, and so well about looking at lump sums and helping people translate lump sums in the lifetime income bond that takes a warrior out of living in retirement. If you know with certainty that every month you walk out to the mailbox is gonna be another check there and you know that check, maybe have two or three checks, maybe have different streams of income. Well, then there's a lot easier to live retirement knowing that is more money coming every single month. And it doesn't depend on the stock market to keep coming AP and you won't lose if the market goes down big, big things. I'm telling you that there's a lot of people out there. We're playing the guessing game for spending that roulette wheel. Sometimes it ends on red. Other times on black. We wanna make sure we have a consistent, persistent, reliable plan. So we help you design, build and protect a total retirement plan. Next 10 people call, we'll give him a golden ticket. We'll do it right for you. Educate you on where you are, but more importantly, show you where you can go if you do the right things. Okay, it's paramount because again, you don't want to approach the retirement years with fear and apprehension. You've worked your whole life, right? So let's talk about that, Coach Pete. You've worked your whole life and then you're retired and your life is supposed to begin again. People aren't sitting on their front porch anymore, Correct? I mean, they want to be active, and many mosquitoes, they they wanna have the funds to be able to do the things that they enjoy well, And if you enjoy sitting on the front porch, nothing wrong with that. We could design a plan to help you maybe get a new porch eso with a screen like screen in porch. Nobody. You know, it really is making sure that we know what we want to do. Yeah, I talked to folks before we could design a plan. We need to see what kind of plan you want us to design. And so, what does that mean? What? We need to find out what you like to do in retirement. What you like to do now. You want to keep doing that in retirement? Maybe you can have a total change. Of course, a lot of people play golf when they're working. And then when retirement comes golfing and fun anymore, because it's like every day you get bored with it. Maybe you want to start traveling. So then we need more money for travel. Maybe you like to play golf. You want a new set of clubs every year. Maybe that's your goal. Customized clubs or whatever. Maybe you're not good at golf, and you need a lot of a lot more balls every year. You gotta keep golf s. So it's all about what? What makes you tick, what you want to do. And then we designed an income plan inside a total retirement plan, and I like when we When I say income plan my income plants, I'd like to have two or three or four streams of income, Not just one. Okay, now the one income stream, we're all gonna get his Social Security. Okay? I think we get it. Maybe, but we're getting it now. Right? People getting now eso there's ways you could maximize that stream. And before claiming, you need to know this because once you walk into the the option and so security, you only have a year to go back and change it. And if you do change, you have to pay back what you've already taken out. So basically, once you make that decision, it's almost in stone. But there are some ways where you can cheat yourself by not taking the right claiming strategy. So before you file for Social Security, give us a call. We have a specialist on staff. We don't work with the government, but we understand the government's programs on DSO. We will. We will custom design your very own Social Security maximization strategy. It's called getting the most bang for your buck. You put money into Social Security all the years, make sure you get the most out right, and so that's one vital part. But then also, that's the stream income everyone's gonna get. Social Security will help you with needs, the living like food shelter. But it's not gonna help you with the fun, because unless you're very, very frugal, that's not gonna do much. So you need to have streams of income on money you've already put aside in your 41 K's, Ira's 43 BS. You have a lump sum. Let's look at that lump sum. Let's roll that money into your very own pension plan on. Let's know with certainty what your lifetime incomes gonna be. We do it every single day, and I wanna make this offer out for the next 10 people. Call will do it for them and I'll give you a book. Set a box set and more importantly, we will educate you fully so that you could explain back to your family what's really going on. And that's what we have. Trouble understanding when people come in from seeing us on TV. You're hearing this on radio, and we asked him to tell us what they currently have, and either they can't explain it or understand it, or they think they have something they don't have. Neither one of those are good folks. It needs to be simple in writing, and you need to know with certainty what your lifetime income is gonna be. Then you have a total retirement plan. You have peace of mind, and you may be able to retire earlier on more income than ever thought by arranging the money in the proper place is this is not arranging the deck chairs on the Titanic, right? Right. This is arranging it so you'll never sink. This is the never sink portfolio. We call it future proofing your your retirement, knowing with certainty what your lifetime income is going to be. And I do have a crystal ball in the office and it does work for this. We could show you with certainty what the minimum income you'll get by putting certain amount of money away in different years. Down the road, it'll be lifetime income you could never outlive. Very important. Absolutely. I think it's fantastic that it's so customizable. It works for no matter what someone situation is exactly, tailor the plan to whatever they want to do and where they currently fit it, just like those tailor fit golf clubs there. Ugo. Well, Pete, I think it's the perfect time for us to go ahead and open up those phone lines to the viewers at home. The phone lines are now open. That number to call is once again on your screen. Pete is offering you a complimentary consultation. Let him take a look at what your dreams and your goals are for retirement. Allow him to design a plan that's going to work for you so that you can have the retirement of your dreams again. You deserve to have a partner in retirement. Let Coach pp that for you, the number is on the screen. We have to take a very short commercial break bone. We come back. I am going to have more questions than answers for Coach Pete about how to plan your perfect retirement. Please stay tuned. Education is paramount when it comes down to financial planning, especially if you're in the financial red zone. Folks, I'm consumer advocate Thomas Lips. Come here with Coach Peter wrote a best selling author and the founder of this TV show that you're watching right now the Financial safari, as well as a nationally syndicated broadcast radio show, This word by millions every year. Coach, This is a great box set that we've put together. I appreciate you doing it well, Thomas. The reason why we put together our shows is to educate folks just like you out there. And I've taken some time now and you help me with these. Put together these tremendous box sets with workbooks, guide books, DVDs and worksheets in They're all designed to help you get onto the path that you really need to be on an educational Sending Thomas in your own house so you have to do is call the number you're gonna see on the screen and you get your very own workbook guidebook and set DVD set, as well as your no cost consultation. Boy, Welcome back to financial Safari TV. My name is Cynthia DeFazio. I'm joined today by Coach Pete Better known as the People's Choice Coach Pete. A great first segment again talking about the importance of having an easy to understand customizable retirement plan written retirement plan. Most importantly, it's just I mean, it really does I say it so I'm blue in the face, but it does take the warrior out of living in retirement if you know what retirement's gonna be like when you get there ahead of time. And so and then you know that your dreams, the things you want to do in retirement or possible because we've already dedicated income for their every single year for you to do the things you want to dio it makes a whole lot of sense, and and we try to encourage everyone watching toe. At least take a step back and and look at what you have and make sure that you do have income amounts. They're not just saying like hypothetical, but in writing scientific ones that air guarantee. There's a big difference between hypothetical and guarantees, by the way. Absolutely, and I don't like. I'm not a big believer in hypothetical cause. I know in my life I'm 50. For in my life. Hypothetical never comes true. It doesn't seem like right if if the stars align just right and you know everything happens right, there's three blue moons in one month, which blue moon of full moons is only you can only have two in a month. But it's just about making sure you understand the fine print. And I wrote a book called The Fine Print Fiasco back in 2005. What they don't want you to know when you buy, borrow invest what are the three times that most confusion happens and people were taking advantage of when you buy when you borrow when your vest s. So I'm gonna give that book away. When people got called today to could Come in, I'll make sure that will be one of three books and three books set. I've had people tell me they brought this book in the It's also when you buy cars to you by the we bring the book in the car lot. What the D or C that you have that book because I explained some of the dirty tricks of the car lot. You may or may not, but you Hopefully you get a better deal because they know you're educated and formed a little bit to read the chapter on buying a car before you go buy a car. Even talk about leasing a car wasting is where they get you. There's a lot of games and gimmicks and the wasting part. When you go back to the financial and insurance office, that's when you want to buy the car. They won't let you buy where they had to go back and do all the paperwork where they try to sell you a bunch of stuff like under coding and Scotchgard a lot of things you don't need. So I talk about that in the book as well. So be educated. And when you're educated you can save yourself money and you know it won't be taking a week you can always be taken advantage of. But you're West apt to be taking advantage of If you least know, some of the buzzwords and some of the things to look out for knowledge is power. Coach Pete sure is absolutely Let me ask you about spend and leave plans. Let's talk a little bit about that this morning. Well, we developed a special process where what we talked to so many people who had a good amount of money in retirement, the retirement accounts, but they were worried about spending it because they wanted to leave it to the next of kin, so they ended up having enough money to have a great retirement and do fun things, but they instead would we have a frugal retirement because they didn't wanna learn through the money because they want to leave stuff behind. We've designed a process where, whatever amount you start with, let's say it's a million dollars. We designed a income plan that will give you and your spouse income for the rest of your wife taking care of. And then when you when the last few passed away, an amount equal to or greater than you started with ghost, your next of kin. Therefore, you spent it, but you're leaving it. It is a spend the leave planet takes a warrior out of living in retirement. It takes a warrior out of how to pass on money by using a true authorized spend a leaf plan. And we put these together every single day because, gosh, if I could spend it and still leave it, why wouldn't I spend it exactly? Makes a lot of sense spending. We've. So we we do this every single day. And again, if people interested in seeing it for themselves, it's one thing to hear about it on TV or the radio. It's another thing to see it with your own numbers, Okay? And we show it with your own numbers in writing with guarantees attached to it. No gimmicks. Okay, spending. We've plan. So I really encourage people to call and get on the list. Thio get seen about this because if you especially if you have money put aside already. Let's make sure the money is put aside in the right place so it could do the right thing. Not only for you, but your family is, well, absolutely. Coach P. Can you explain the power of compounding? That's a lot in the financial world. What does that mean exactly? Compound interest is either its's powerful both ways as a good thing and is a bad thing. You have a credit card and you don't pay the bill off. You pay interest, and then that interest. You pay interest on the interest right? But it's calm pounding in a bad way. Compound interest in a good way. You you start saving your interest. You made some interest in your interest, turns interests. You're going on the good part, right? So if you can turn the tables on the bank and start keeping money in your money, you could build upon it. So your compound in that was an example. Two brothers twins. They're born at 8. 15. 1 brother gets a paper out. He said, I'm gonna start saving $100 a month and he starts doing it. The other brother says That guy like my candy bars too much. I'm gonna keep buying candy bars. Okay, So this guy who saves $100 a month, what's the saying of account earning? 6%? Let's just pretend these accounts and 6% he goes all the way to age 22. So he stays for seven years and he's and he's like then he starts like candy bars. We stop saving the other brother says, you're stop saving. I'm gonna start now at 22 I'm gonna say because he gets jealous because the other guy has been building on account for seven years. Well, the other brother start saving at 22 goes all the way to 65 again, earning 6% interest. $100 a month, same as the other brother, guest, age 65. They have a family reunion because they're twins. They're they're connected anyway. They're always seen each other, but now they're they start talking about the retirement plan. Would you believe that the brother that started at 15 and then stopped at 22 still has more money in his account than the brother had started? $2200 a month every single month, all the way to age 65 still has less than the brother that had 15 to 22. That is the power of compounding interest because he put it away sooner, a lot more time to grow upon itself. So when money starts growing upon itself for you, that's a good thing when interest starts growing upon itself on your credit card. Bad thing. And that's why I always say, Pay those credit cards off but start saving. A soon as possible, I started at, like 17. I started dividend reinvestment programs trips they're called put money $100 a month in McDonald's, $100 a month in Exxon, $100 a month in Wisconsin energy. Every single month, they take $100. My checking account put it because I had a paper route buildup money. Okay, that was 18 1917. And so then I had college, came and had a couple emergency. So I had a breach trips. I had to take some money, but I had some money. I had my emergency accounts, right. Okay, so you have to Malone a song as possible as much as possible. And it's still I'm still doing it today. But the beauty of a dividend reinvestment program. This is good for kids to if you want to give a gift of of grandkids or your Children for Christmas or whatever is that when it pays a dividend and it does every quarter because its dividend, you don't get it. You can only do this in stocks that pay dividends when they pay a dividend. The company uses that dividend to buy more stock. So you're putting money in at the same time every month. Your dollar cost averaging, I call it, said stocks. Going up and down doesn't matter. Each month, the same day you're putting $100 a month in, and then when the dividend pays every quarter, they buy stock with that. So now you're getting triple compounding. Okay, makes a lot of sense. So that's a dividend reinvestment program. Great gift to give your kids. Let's say they like to eat that breakfast cereal like Frosted Flakes or get him Kellogg's. And so now they'll, instead of going and blowing money, maybe they'll start wanting to learn about the money world, and they'll start saving sooner. And maybe they'll keep it forever. I love that my accounts have grown pretty good. The Exxon has been very disappointing over the years, but McDonald's has been real good. Wisconsin energy. Really good, really small company, really good dividend. So don't pay anybody to find out about dividend reinvestment program. So there's a lot of gimmicks online. You could just research drip programs or dividend reinvestment plans, and you can find out what companies offer it and you invest directly with the company. So there's no broker in between eso there's no broker fee, so you don't wanna pay any fees. Now the companies have a very small charge to have you do it like a dollars whatever, but it's a lot better than paying for trades or brokerage fees and all that kind of stuff. Okay, so it's a it's a little bit of a hint today on how toe save for yourself, But it's but give a good gift for Christmas or birthdays to your Children. Grandchildren. Encourage them to learn the financial world without them feeling like you're telling them to learn it, because you tell them to learn they're not gonna want to. But if you encourage them this way, there's a golden handcuffs because they're gonna be excited about it. They may want to doom, or when they start seeing the growth, it's fun to start seeing it grow. It's not gonna grow into your start. That's why we say procrastination is the biggest enemy. Start in your 41 K. You're giving every investment plans as soon as possible. It is just a little bit to start if you if you can't afford much. But then you wanna put more Maurin because it doesn't hurt as bad as you think. Absolutely. Then you build up bigger balances, and then we talk about taking those bigger balances and translating it what they would give us far as a lifetime income you cannot live. Then we do the spend a week plan. We do all the things, so it all starts with a seed. The seed is you starting to save your money or if you inherit money, whatever. But make sure you're doing the right thing with the money. And it doesn't start if you don't put the seed in the ground. Absolutely. I want a garden. But if you don't plan to see, it's not gonna have any garden. Exactly. It's not going to grow well, Coach Pete, This is the perfect time for us to open up the phone lines to the viewing audience. Do you want to tell them what they can expect? Let's do this. Let's put together your very own total retirement plan for the next 10 people. This is $1000 value, and our strategies work best for those of you with over a million safe retirement. But we will open our doors to anybody who's serious about wanting to start a plan, because that's what we've done every single year. We've never had a complaint for a reason because we do what we say. We say we do and everything is in writing and there's no gimmicks. If we tell you something is true because it wasn't we'd have complaints way tell you what's true, but we'll put together for your very own total retirement plan, which includes that lifetime income report will break down where you have what's going on your portfolio. Now we'll educate you on what's really going on. We'll do it on a big white board. We'll give you sheets to take home to analyze it for yourself, and then we'll give you recommendations. I'm gonna get you where you need to be, some of you where you thought you were but more importantly, give you that peace of mind. Having that lifetime income plan in place also give you three books set, and I've got a video on retirement and I've got my book on retirement coming out. Soon you'll be invited to the book signing party when it comes, and I've got a T shirt that says Growth protection Income on it. That's the three main ingredients of a real retirement plan. 100% cotton, Very comfortable. I wear mine to bed every night. Growth. I have different ones. Don't want growth protection Income call Right now. It's good. Fantastic. Thank you, Coach Pete to the viewers at home, the phone lines are now open that number to call is right on your screen. And let Pete actually design a complimentary consultation for you that's going to be specifically tailored to your needs. Whatever you want to do in retirement, he can make sure that you have the proper plan in place. We have to take a very short commercial break when we come back. I'm gonna have more questions for Coach Pete about how to plan your perfect retirement. Please stay tuned. 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 wanna 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 want to do because that's what retirements all about. Low speed speed financial, which can be being a coach meet coach, which can be seen. 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, Pete, the phone lines were going crazy. We were going into that last commercial break. And I love that because it shows that a lot of people in the viewing audience they wanna call in, they want to gain that time with you because they have a lot of questions about how to retire with confidence, especially when life happens because, you know, you may have a plan in place, but then plans change. Well, the plan you have may not be what you thought. It waas eso. I'm not here to disparage anything. But if you think something's gonna happen and it's not we need to make sure to get you back on that track where what you thought was gonna happen really is gonna happen. And, uh, and we're more than happy to do it more than happy to help educate you on on what's going on your financial situation and doing it a long time. Love to educate. That's what we do. We educate. First, we design second at based on what you tell us, you want we customize as well. And so we talked about the tailor fit golf clubs. I mean, I don't have a set, but I know of a big tall guy in the office who does. He's almost 7 ft tall. He had to get custom clubs. If not, he would be there. He looked like a little little toy. Little clubs in his hands. Big seven footer. So it's just about making sure we get the right plan in place for the right time for our life, and we understand it completely. So it it's all comes down to sure, absolutely, for the people that were fortunate enough to gain that consultation with you. Coach Pete What? What can they expect when they come into the office? What is that experience like? We try to make it a fun and learning experience, a fun learning experience. So there's nothing threatening. We're not gonna talk over your head with big words. We're not gonna make you feel bad. We're gonna just say, Here's here's what's going on. We're gonna educate you on what's going on. We're gonna ask you questions about what you want to have happen in the future. Then we're gonna take what you've put aside and show you if it's possible or not, and put together for you. A real true retirement plan based on your needs and desires of what you want to have happen all way through retirement. Instead of just saying, here's the same plan we give everybody and that we see a lot of these. We can almost if you tell us what company you're with, we could almost predict what what kind of allocation of assets you have. Really. It was just kind of scary. If you're with some major brokerage places, we can tell you exactly what you have. We're not experts, but we just know because we see the same thing over and over again, right? And we don't expect different results here because it's gonna be the same thing. Every single one of our plans is different. Based on what our clients are telling us, they want absolutely people watching. They come and say, Here's what I want And I said, Well, gosh is not happening now. Would you like it too? Sure. Here's what you need to do. Boom, boom, boom! Have it happened? We do it all for you Behind the scenes do, by the way. Yeah. Then you leave with peace. Is peace of mind in confidence and in the understanding and knowing that when you get to retirement or in retirement now. But when you start activating income, you're gonna get that income forever. Forever accounts. We plan to 1 21 in our office. That's H 1 21. But if you have to be 1 22 you continue to get income. I've never seen anyone who have passed 105. Whatever. We planted 1 21. Maybe we'll be the first way always wanna live long, but we want our money to out with us. We don't wanna out with our money. And unfortunately, many people watching or in a position, If they don't make the right changes, they may be alive and their money may be gone. Yeah, we can't have that. There's that song you f me just just when I need you the most, Rob, even Warren or something like that or you f b. We don't need our money. We even us right. We needed the most, and that's why we need a total retirement plan that pays you all the way through your wife and all the way through your spouse's life. And if there's still money left. When you're gone, it goes to the next of kin, very important. And the stream of income we designed it right will double for up to five years and serving some of these strategies would use if you go to a long term care facility. It's not long term care insurance, but gosh, if you have a long term care event, would be great to have a double amount of money coming in, then the same amount, absolutely up to five years, 60 months. Where the doubling vital? We talked about long term care. Oh yeah, absolutely, Coach Pete. If there's members of the viewing audience today, husband and wife, how important is it for them to come in together? Good question, folks. I know one of you in the family handles the money. The other one couldn't care what's. A lot of times, writer has other things to do. This is vital that you both understand what's going on because one of you is gonna not be here when the other one is. Eventually we'll pass away and we really don't pass away together unless we're driving down Highway 85 a big truck hits us or 40 or something like that, right? So we wanna make sure that we both understand exactly what's going on, and I have designed a book with that will help you. It's called The Little Green Book of Life. I recommend as a spouse is. You sit down and fill it in together. It ask you all the different questions about where your assets are. Your account numbers. Do you have life insurance? Make sure you put the company in the phone number and the policy number, because if you pass away, your next to kin needs to know we're called to make file that death. Quain. If you have money, bear in the backyard, may write it in there so people find it. It's just about your life story of what you've done financially. If you're not around to tell it on DSO, it's an interactive book, I call it. It's like I asked a question. You fill it in the blank when you're and you keep it in your safety deposit box, or or you're safe at home or whatever, and now you have a way. It's a treasure map for your for your life. You can even write your own obituary. I don't like talking about obituaries, but you could even write your own instead of leaving it to somebody else. Thio. Not really want to do it either, so you could write it from your point of view. But we'll give that book away. There's little green book of Life. I'll give that for the next 20 people call. I think twenties Good Well put together for you. Your own total retirement plan were totally educate you on what's going on currently in your portfolio. But more importantly, where you could be if you do the right thing. So Cynthia Cynthia, we're also gonna give book set. I've got three books and again, this DVD on retirement folks is there's like to see it right there. It's good cameras over here. Um, hey, we've got three cameras here. I was this track. We're but one thing I don't lose track of is planning a perfect retirement plan, and the next 20 people call, you'll get your very own no cost or obligation. It is $1000 value, and our strategies do work best for those of you with over a million safe retirement. But anyone who's watching who's serious about retirement planning. We're serious about helping you. Cynthia. I really believe in this. I can 100% see why? Because I know you're so passionate about helping others. And I love the fact that you just gave 20 more spots away because we have been just blowing through what you've been offering so again. Thank you so much, Coach Pete. What a wonderful show that you delivered today. And I know people are really enjoying watching you from, like watching myself every now and then. I DVR the second. Watch it later. I love that to our viewers at home. Thank you so much for spending time with us again this week. And we know you have a lot of questions about how to retire with confidence. Coach Pete has the answers for you. All you have to do is call the number that's now on your screen. Thank you so much for watching. We will see you again next week. Be safe. Be happy. Be blessed and retire comfortably. Okay. Okay. Okay. E