1 00:00:00,040 --> 00:00:03,600 Speaker 1: An illegal alien from Guatemala charged with raping a child 2 00:00:03,680 --> 00:00:07,480 Speaker 1: in Massachusetts. An MS thirteen gang member from Al Salvador 3 00:00:07,720 --> 00:00:11,840 Speaker 1: accused of murdering a Texas man of Venezuelan charged with 4 00:00:11,920 --> 00:00:15,840 Speaker 1: filming and selling child pornography in Michigan. These are just 5 00:00:15,920 --> 00:00:19,680 Speaker 1: some of the heinous migrant criminals caught because of President 6 00:00:19,720 --> 00:00:23,320 Speaker 1: Donald J. Trump's leadership. I'm Christy nom the United States 7 00:00:23,320 --> 00:00:28,120 Speaker 1: Secretary of Homeland Security. Under President Trump, attempted illegal border 8 00:00:28,160 --> 00:00:31,680 Speaker 1: crossings are at the lowest levels ever recorded, and over 9 00:00:31,760 --> 00:00:34,960 Speaker 1: one hundred thousand illegal aliens have been arrested. If you 10 00:00:35,040 --> 00:00:38,920 Speaker 1: are here illegally, your next you will be fined nearly 11 00:00:39,000 --> 00:00:43,000 Speaker 1: one thousand dollars a day, imprisoned, and deported. You will 12 00:00:43,040 --> 00:00:46,680 Speaker 1: never return. But if you register using our CBP home 13 00:00:46,720 --> 00:00:50,120 Speaker 1: app and leave now, you could be allowed to return legally. 14 00:00:50,479 --> 00:00:55,240 Speaker 1: Do what's right. Leave now. Under President Trump, America's laws, 15 00:00:55,400 --> 00:00:57,840 Speaker 1: border and families will be protected. 16 00:00:57,920 --> 00:01:00,000 Speaker 2: Sponsored by the United States Department of Homeland Security. 17 00:01:00,200 --> 00:01:03,080 Speaker 3: The average four to one K lost twenty percent of 18 00:01:03,120 --> 00:01:06,320 Speaker 3: its value last year. What should the audience do to 19 00:01:06,440 --> 00:01:08,759 Speaker 3: increased gains in their long term portfolios? 20 00:01:08,800 --> 00:01:11,000 Speaker 4: This should come to market. Money's live in Los Angeles 21 00:01:11,200 --> 00:01:12,200 Speaker 4: best decision that you can make. 22 00:01:12,240 --> 00:01:12,840 Speaker 5: I wrote that down. 23 00:01:12,959 --> 00:01:15,760 Speaker 4: Hey, I mean listen two tag two index, no stress. 24 00:01:15,760 --> 00:01:17,360 Speaker 4: But the truth is, like you have to learn, going 25 00:01:17,360 --> 00:01:19,959 Speaker 4: back to the accountability part, no one cares about your 26 00:01:20,000 --> 00:01:21,839 Speaker 4: money the way that you will, So. 27 00:01:21,760 --> 00:01:23,400 Speaker 5: You have to learn how to invest their grown. 28 00:01:23,480 --> 00:01:24,920 Speaker 6: And you also. So here's the thing. 29 00:01:25,160 --> 00:01:27,520 Speaker 3: I came into the financial advisor in two thousand and seven, 30 00:01:29,000 --> 00:01:32,880 Speaker 3: the worst economic downturn. It was hell on Earth back 31 00:01:33,000 --> 00:01:38,679 Speaker 3: since since the Great Pressure, nothing that we've seen this 32 00:01:38,840 --> 00:01:41,560 Speaker 3: year or last year is remotely close close to that. 33 00:01:41,680 --> 00:01:43,400 Speaker 5: I thought the country is going to fall apart. 34 00:01:43,800 --> 00:01:45,600 Speaker 6: They thought the world was going to fall apart. 35 00:01:45,720 --> 00:01:47,880 Speaker 3: You got to understand they was in Greece and couldn't 36 00:01:47,920 --> 00:01:51,960 Speaker 3: get money out of ATM machines. It's the worldwide economic disaster. Yeah, 37 00:01:53,240 --> 00:01:55,000 Speaker 3: that's when I started. That's where I started. 38 00:01:55,040 --> 00:01:55,480 Speaker 5: Great time to. 39 00:01:55,480 --> 00:01:58,200 Speaker 6: Start it is, yeah, it is only go up from here. 40 00:01:58,520 --> 00:02:00,800 Speaker 5: Yeah, from the down cycle. 41 00:02:01,000 --> 00:02:04,680 Speaker 3: So I started during the worst economic downtown. Then obviously 42 00:02:05,240 --> 00:02:08,920 Speaker 3: Corona came. That was another disaster that was short that 43 00:02:09,040 --> 00:02:13,280 Speaker 3: was short lived. One thing has remained consistent over the 44 00:02:13,320 --> 00:02:16,760 Speaker 3: course of time. Yes, equities have gone up. Yes, equities 45 00:02:16,800 --> 00:02:18,840 Speaker 3: have gone up over the course of time. Sometimes it 46 00:02:18,880 --> 00:02:21,320 Speaker 3: takes eighteen months for it to recover. Sometimes it takes 47 00:02:21,360 --> 00:02:24,440 Speaker 3: eight weeks for it to recover. But this is why 48 00:02:24,520 --> 00:02:27,200 Speaker 3: dollar cost averaging is important, because when you put money 49 00:02:27,200 --> 00:02:29,520 Speaker 3: into investments while they're down, that's the best time. 50 00:02:29,560 --> 00:02:30,200 Speaker 5: That's time to buy. 51 00:02:30,400 --> 00:02:32,120 Speaker 6: You buy low so high. That's like the number one 52 00:02:32,240 --> 00:02:32,639 Speaker 6: rule thing. 53 00:02:32,960 --> 00:02:35,920 Speaker 3: So when you are in your fall one K and 54 00:02:35,960 --> 00:02:38,240 Speaker 3: you're putting money in, you got to continue to put 55 00:02:38,240 --> 00:02:40,400 Speaker 3: money in. This is what happened during two thousand and eight. 56 00:02:40,480 --> 00:02:43,440 Speaker 3: A lot of people got they panicked, they stopped putting 57 00:02:43,440 --> 00:02:45,760 Speaker 3: money in. They cashed out there four on one K 58 00:02:46,160 --> 00:02:49,720 Speaker 3: or they moved from equities, they moved from stocks to 59 00:02:50,680 --> 00:02:53,040 Speaker 3: stable like they put in the money market. 60 00:02:53,200 --> 00:02:54,000 Speaker 6: Yeah, they lost. 61 00:02:54,040 --> 00:02:56,680 Speaker 3: They saw they account go from five hundred thousand to 62 00:02:56,680 --> 00:02:59,480 Speaker 3: three hundred thousand. They got scared. They took it out 63 00:02:59,520 --> 00:03:01,480 Speaker 3: of stocks, they put it in the money market. You 64 00:03:01,520 --> 00:03:03,640 Speaker 3: know what happened the next year stock market went up 65 00:03:03,720 --> 00:03:06,200 Speaker 3: forty two percent. They didn't get any of that. 66 00:03:06,880 --> 00:03:08,640 Speaker 4: And if you a year away from a retiring I 67 00:03:08,639 --> 00:03:11,320 Speaker 4: get it. But if you're like fifty or younger, you 68 00:03:11,360 --> 00:03:11,880 Speaker 4: have to keep. 69 00:03:11,760 --> 00:03:14,880 Speaker 3: Your money in the panic long term play over the 70 00:03:14,880 --> 00:03:17,480 Speaker 3: course of time. History is the only thing that we 71 00:03:17,520 --> 00:03:21,320 Speaker 3: can really gauge. History has always said that stocks go up. 72 00:03:21,600 --> 00:03:21,840 Speaker 5: Yeah. 73 00:03:21,840 --> 00:03:24,480 Speaker 7: One Buffett just said this at the bedside of me, 74 00:03:25,120 --> 00:03:27,799 Speaker 7: and it is not hard. He was like, look over 75 00:03:27,880 --> 00:03:31,320 Speaker 7: one hundred years span, I've been investing. He'sninety two years old. 76 00:03:31,520 --> 00:03:33,720 Speaker 7: He said, I've been investing since I was in my 77 00:03:34,520 --> 00:03:37,400 Speaker 7: late to early twenties. Yeah, he said, majority of my life. 78 00:03:37,400 --> 00:03:39,680 Speaker 7: I'm telling you from a historic standpoint, it always it's 79 00:03:39,800 --> 00:03:41,440 Speaker 7: always going to go up. 80 00:03:41,480 --> 00:03:43,680 Speaker 6: We don't have to earners. 81 00:03:43,680 --> 00:03:44,080 Speaker 2: What's up? 82 00:03:44,160 --> 00:03:46,640 Speaker 8: You ever walk into a small business and everything just 83 00:03:46,800 --> 00:03:49,960 Speaker 8: works like the checkout is fast, the receipts are digital, 84 00:03:50,480 --> 00:03:53,480 Speaker 8: tipping is a breeze, and you're out the door before 85 00:03:53,480 --> 00:03:57,640 Speaker 8: the line even builds odds are they're using Square. We 86 00:03:57,800 --> 00:04:00,360 Speaker 8: love supporting businesses that run on Square because it just 87 00:04:00,360 --> 00:04:03,600 Speaker 8: feels seamless. Whether it's a local coffee shop, a vendor 88 00:04:03,640 --> 00:04:05,800 Speaker 8: at a pop up market, or even one of. 89 00:04:05,760 --> 00:04:06,760 Speaker 2: Our merch partners. 90 00:04:07,000 --> 00:04:10,800 Speaker 8: Square makes it easy for them to take payments, manage inventory, 91 00:04:10,880 --> 00:04:14,800 Speaker 8: and run their business with confidence, all from one simple system. 92 00:04:15,240 --> 00:04:17,839 Speaker 8: If you're a business owner or even just thinking about 93 00:04:17,920 --> 00:04:21,000 Speaker 8: launching something soon, Square is hands down one of the 94 00:04:21,040 --> 00:04:24,479 Speaker 8: best tools out there to help you start, run and grow. 95 00:04:24,760 --> 00:04:27,799 Speaker 8: It's not just about payments, It's about giving you time 96 00:04:27,880 --> 00:04:30,800 Speaker 8: back so you can focus on what matters most Ready. 97 00:04:30,839 --> 00:04:34,200 Speaker 8: To see how Square can transform your business, visit Square 98 00:04:34,279 --> 00:04:38,800 Speaker 8: dot com backslash, go backslash eyl to learn more that 99 00:04:39,000 --> 00:04:44,440 Speaker 8: Square dot Com backslash, go backslash eyl. Don't wait, don't hesitate. 100 00:04:44,600 --> 00:04:46,960 Speaker 8: Let's Square handle the back end so you can keep 101 00:04:46,960 --> 00:04:53,080 Speaker 8: pushing your vision forward. This episode is brought to you 102 00:04:53,120 --> 00:04:55,400 Speaker 8: by P and C Bank. A lot of people think 103 00:04:55,440 --> 00:04:59,320 Speaker 8: podcasts about work are boring, and sure, they definitely can be. 104 00:05:00,160 --> 00:05:03,679 Speaker 8: Understanding of professionals. Routine shows us how they achieve their success, 105 00:05:03,760 --> 00:05:07,880 Speaker 8: little by little, day after day. It's like banking with 106 00:05:07,920 --> 00:05:10,560 Speaker 8: P and C Bank. It might seem boring to save, 107 00:05:10,720 --> 00:05:14,080 Speaker 8: plan and make calculated decisions with your bank, but keeping 108 00:05:14,080 --> 00:05:16,520 Speaker 8: your money boring is what helps you live a more 109 00:05:16,560 --> 00:05:20,880 Speaker 8: happily fulfilled life. P and C Bank Brilliantly Boring since 110 00:05:20,920 --> 00:05:25,200 Speaker 8: eighteen sixty five. Brilliantly Boring since eighteen sixty five is 111 00:05:25,200 --> 00:05:28,080 Speaker 8: a service mark of the PNC Financial Service Group, Inc. 112 00:05:28,520 --> 00:05:31,960 Speaker 8: P and C Bank National Association Member FDIC. 113 00:05:33,680 --> 00:05:37,320 Speaker 1: An illegal alien from Guatemala charged with raping a child 114 00:05:37,400 --> 00:05:41,200 Speaker 1: in Massachusetts. An MS thirteen gang member from El Salvador 115 00:05:41,440 --> 00:05:45,560 Speaker 1: accused of murdering a Texas man of Venezuelan charged with 116 00:05:45,640 --> 00:05:49,520 Speaker 1: filming and selling child pornography in Michigan. These are just 117 00:05:49,640 --> 00:05:53,400 Speaker 1: some of the heinous migrant criminals caught because of President 118 00:05:53,440 --> 00:05:56,960 Speaker 1: Donald J. Trump's leadership. I'm christin nom the United States 119 00:05:57,040 --> 00:06:01,839 Speaker 1: Secretary of Homeland Security. Under President Trump, attempted illegal border 120 00:06:01,839 --> 00:06:05,400 Speaker 1: crossings are at the lowest levels ever recorded, and over 121 00:06:05,480 --> 00:06:08,680 Speaker 1: one hundred thousand illegal aliens have been arrested. If you 122 00:06:08,760 --> 00:06:12,599 Speaker 1: are here illegally, your next you will be fine nearly 123 00:06:12,720 --> 00:06:16,720 Speaker 1: one thousand dollars a day. Imprisoned and deported, you will 124 00:06:16,760 --> 00:06:20,400 Speaker 1: never return. But if you register using our CBP home 125 00:06:20,440 --> 00:06:23,800 Speaker 1: app and leave now, you could be allowed to return legally. 126 00:06:24,200 --> 00:06:28,960 Speaker 1: Do what's right. Leave now. Under President Trump, America's laws, 127 00:06:29,120 --> 00:06:31,560 Speaker 1: border and families will be protected. 128 00:06:31,640 --> 00:06:34,400 Speaker 2: Sponsored by the United States Department of Homeland Security. Complicate this. 129 00:06:34,800 --> 00:06:37,400 Speaker 5: Yeah. For those of you are new, Welcome to the show. 130 00:06:37,880 --> 00:06:40,520 Speaker 4: Vol is a SMP index fund that's like an all 131 00:06:40,560 --> 00:06:44,440 Speaker 4: star team VTI. Same thing. Apple, one of the top 132 00:06:44,480 --> 00:06:47,919 Speaker 4: companies of all time. Microsoft is like having Jordan and 133 00:06:48,040 --> 00:06:49,599 Speaker 4: Lebron on the same team, so you don't have to 134 00:06:49,600 --> 00:06:52,159 Speaker 4: debate which go to pick right, you want to have 135 00:06:52,320 --> 00:06:53,520 Speaker 4: both in your arsenal. 136 00:06:53,640 --> 00:06:55,640 Speaker 3: And then also sometimes so most of the time for 137 00:06:55,720 --> 00:06:57,040 Speaker 3: four one K, you're not gonna be able to put 138 00:06:57,080 --> 00:06:59,400 Speaker 3: individual stocks in four one K. Sometime they might not 139 00:06:59,440 --> 00:07:02,120 Speaker 3: even let you to put like an index fund depending 140 00:07:02,160 --> 00:07:04,680 Speaker 3: on the four one K, but you will be able 141 00:07:04,680 --> 00:07:07,119 Speaker 3: to nine times out of ten to do target date funds, 142 00:07:07,480 --> 00:07:11,320 Speaker 3: something that's extremely beneficial. So it's like the year that 143 00:07:11,360 --> 00:07:14,280 Speaker 3: you're planning on retiring, whether it's twenty thirty, twenty forty, 144 00:07:14,320 --> 00:07:17,960 Speaker 3: twenty fifty, twenty sixty, then they have a fun dedicated 145 00:07:18,000 --> 00:07:19,320 Speaker 3: to that most of the time in your full one 146 00:07:19,400 --> 00:07:21,640 Speaker 3: K plan or your retirement plan, and it gets more 147 00:07:21,680 --> 00:07:25,280 Speaker 3: conservative as you get closer, so it reallocates itself over 148 00:07:25,320 --> 00:07:27,400 Speaker 3: the course of time. That's extremely beneficial as opposed to 149 00:07:27,480 --> 00:07:30,560 Speaker 3: you're just trying to do it yourself. So when you're 150 00:07:30,560 --> 00:07:33,360 Speaker 3: investing in your four one K, look at their perspectives, 151 00:07:33,640 --> 00:07:37,200 Speaker 3: look to see your options. But that's always a good choice. 152 00:07:37,560 --> 00:07:39,600 Speaker 5: Options as in what you can invest in law. 153 00:07:39,520 --> 00:07:43,120 Speaker 3: Choices and not trading. Oh yeah, so but you know 154 00:07:44,720 --> 00:07:47,000 Speaker 3: this is always just think long term long story. 155 00:07:47,040 --> 00:07:48,200 Speaker 5: Please that's the easiest win. 156 00:07:48,320 --> 00:07:51,800 Speaker 4: Please five years minimum thirty Like, it's impossible if you 157 00:07:51,880 --> 00:07:53,600 Speaker 4: invest in S and P five hundred to lose over 158 00:07:53,600 --> 00:07:55,320 Speaker 4: a twenty your period. I know some people are going 159 00:07:55,400 --> 00:07:57,320 Speaker 4: to say, hey, I don't have twenty Those twenty years 160 00:07:57,320 --> 00:07:59,120 Speaker 4: are gonna go by like it in the heartbeat. 161 00:07:59,320 --> 00:07:59,920 Speaker 5: Just think about this. 162 00:08:00,000 --> 00:08:02,560 Speaker 7: When we were telling people five years, ten years in 163 00:08:02,600 --> 00:08:06,120 Speaker 7: twenty twenty twenty, yeah, they're already halfway through it absolutely, 164 00:08:06,360 --> 00:08:07,800 Speaker 7: like it's already three years. 165 00:08:07,880 --> 00:08:08,840 Speaker 5: Yeah, you know what I'm saying. 166 00:08:08,880 --> 00:08:11,960 Speaker 7: So like, just be diligent with with what you're doing 167 00:08:12,080 --> 00:08:14,600 Speaker 7: and just have the patients have to have the discipline 168 00:08:14,600 --> 00:08:17,040 Speaker 7: more than the patients have the discipline to state. 169 00:08:17,080 --> 00:08:19,240 Speaker 5: Of course, I want you guys to do like an 170 00:08:19,240 --> 00:08:20,040 Speaker 5: assessment real quick. 171 00:08:20,080 --> 00:08:22,280 Speaker 4: If you started investing one of Migos first came out 172 00:08:22,520 --> 00:08:25,160 Speaker 4: to their breakup, like what percentage should be up? I'm 173 00:08:25,360 --> 00:08:26,600 Speaker 4: at least fifteen hundred percent. 174 00:08:26,840 --> 00:08:28,560 Speaker 6: The game can't come it can't come down. 175 00:08:29,200 --> 00:08:32,840 Speaker 4: And I didn't get left off that So the best 176 00:08:32,840 --> 00:08:35,040 Speaker 4: of the long term best in piece of two. Yes, 177 00:08:35,360 --> 00:08:37,520 Speaker 4: shout out to one of the greatest groups all the time. 178 00:08:37,559 --> 00:08:41,560 Speaker 4: Maybe shout all set too, man better than the locks 179 00:08:41,640 --> 00:08:41,840 Speaker 4: or no. 180 00:08:43,200 --> 00:08:47,480 Speaker 6: It's commercially successful. Yes, commercially. We've been having. 181 00:08:47,280 --> 00:08:49,440 Speaker 4: Debates Jada Styles ill on the issue. 182 00:08:49,679 --> 00:08:52,600 Speaker 5: Styles be quick. They're not even gonna do that on here, 183 00:08:52,600 --> 00:08:54,000 Speaker 5: shouting that one for I love you. 184 00:08:54,160 --> 00:08:59,920 Speaker 3: Shout to Atlanta, my graduates from my school being fought. 185 00:09:00,400 --> 00:09:02,400 Speaker 6: Bag drop bag drop. 186 00:09:05,160 --> 00:09:05,439 Speaker 4: Droft. 187 00:09:15,720 --> 00:09:19,400 Speaker 1: An illegal alien from Guatemala charged with raping a child 188 00:09:19,400 --> 00:09:23,199 Speaker 1: in Massachusetts. An MS thirteen gang member from Al Salvador 189 00:09:23,440 --> 00:09:27,600 Speaker 1: accused of murdering a Texas man of Venezuelan charged with 190 00:09:27,640 --> 00:09:31,560 Speaker 1: filming and selling child pornography in Michigan. These are just 191 00:09:31,640 --> 00:09:35,360 Speaker 1: some of the heinous migrant criminals caught because of President 192 00:09:35,440 --> 00:09:39,040 Speaker 1: Donald J. Trump's leadership. I'm Christy nom the United States 193 00:09:39,040 --> 00:09:43,840 Speaker 1: Secretary of Homeland Security. Under President Trump, attempted illegal border 194 00:09:43,880 --> 00:09:47,440 Speaker 1: crossings are at the lowest levels ever recorded, and over 195 00:09:47,480 --> 00:09:50,720 Speaker 1: one hundred thousand illegal aliens have been arrested. If you 196 00:09:50,760 --> 00:09:54,640 Speaker 1: are here illegally, your next you will be fine nearly 197 00:09:54,720 --> 00:09:58,720 Speaker 1: one thousand dollars a day, imprisoned and deported, you will 198 00:09:58,760 --> 00:10:02,040 Speaker 1: never return. But but if you register using our CBP 199 00:10:02,200 --> 00:10:04,920 Speaker 1: home app and leave now, you could be allowed to 200 00:10:05,000 --> 00:10:09,800 Speaker 1: return legally. Do what's right. Leave Now. Under President Trump, 201 00:10:09,960 --> 00:10:13,560 Speaker 1: America's laws, border and families will be protected. 202 00:10:13,640 --> 00:10:15,800 Speaker 2: Sponsored by the United States Department of Homeland Security,