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Speaker 1: All right, So we'll just ask everybody just to mute yourself,

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Speaker 1: if you can mute yourself, and then we'll call on

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Speaker 1: people individually. And then obviously you become unmuted when you

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Speaker 1: get called on. But if you're not talking, if you're

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Speaker 1: not called on, please mute yourself. That would be beneficial.

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Speaker 1: All right, Can we can get started?

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Speaker 2: All right?

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Speaker 3: I have been coming to you.

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Speaker 4: I meant yourself.

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Speaker 5: Please, what's going on y'all?

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Speaker 3: Me?

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Speaker 4: Okay, yeah, I can hear you?

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Speaker 5: All right. I had a question about uh, I had

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Speaker 5: a question about life insurance. I know I'm trying to

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Speaker 5: be invested in the stock market, but at the same time,

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Speaker 5: I only have life insurance through my job, which is

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Speaker 5: like maybe about twenty thousand if I pass away. I

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Speaker 5: don't know if you know, if it's on the job

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Speaker 5: or not. But I'm not sure what to get and

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Speaker 5: how to go about getting.

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Speaker 2: You know what I mean.

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Speaker 5: I'm on thirty two and I got a four year old,

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Speaker 5: so I want to make sure she's straight, okay, because

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Speaker 5: I know you said something about don't invest to the

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Speaker 5: stock market and sell you out of day. I got

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Speaker 5: about five thousand credit card there, but I'm working that

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Speaker 5: down as a speech.

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Speaker 1: For sure, we appreciate the question, Troy, I get a

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Speaker 1: pen this pencil broke. Well. The first thing I would

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Speaker 1: say is that group life insurance is what you have

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Speaker 1: at your job. It's always beneficial to sign up for

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Speaker 1: your job's life insurance plan because usually it's like next

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Speaker 1: to nothing as far as the premiums, Like you might

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Speaker 1: be paying like thirty dollars a month or ten dollars

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Speaker 1: a month for your.

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Speaker 4: Life insurance, so it's not that much.

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Speaker 1: Yeah, the risk of war ratio is pretty you know,

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Speaker 1: it's only your favorite as far as that's concerned. But

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Speaker 1: the downside we're having that as your only life insurance

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Speaker 1: is that magnet.

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Speaker 4: Can you just mut it? Can you mute everybody? Thank you?

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Speaker 1: The downside with having that as your only life insurance

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Speaker 1: is that a most of the time it is not portable,

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Speaker 1: meaning you can't take it with you. And also you're

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Speaker 1: limited as far as how much insurance you can get.

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Speaker 1: Usually it's like one or two times your salary, and

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Speaker 1: most of the time it's usually like group term. They

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Speaker 1: don't really give you too many options. So getting insurance

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Speaker 1: outside of that, the first thing that you want to

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Speaker 1: do is figure out you know how much insurance you need.

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Speaker 1: That's that's the most important thing. So how you how

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Speaker 1: you figure out how much insurance you need is a

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Speaker 1: couple of different ways. But you know, one of the

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Speaker 1: quick easy ways to go about it is to see

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Speaker 1: how much money you make and then you either like,

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Speaker 1: you know, ten times that at least ten times that. Well,

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Speaker 1: if you really want to be really aggressive, you know

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Speaker 1: you can twenty times that. So, like, let's say you

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Speaker 1: make one hundred thousand dollars a year, and like I said,

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Speaker 1: everybody's situation is different, but on average you probably would

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Speaker 1: have to ten xta. So that's a million dollar life

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Speaker 1: insurance policy. Right, So now you have to say, Okay,

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Speaker 1: how do I work my way into what's affordable to me?

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Speaker 1: So now let's say you decide that you need a

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Speaker 1: million dollars worth of life insurance. You might have one

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Speaker 1: hundred thousand dollars at your job already, so now you

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Speaker 1: need an additional nine hundred thousand. So then the next

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Speaker 1: thing is you know what's affordable as far as premium

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Speaker 1: is concerned. So there's gonna be two types of life insurance.

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Speaker 1: For the most part, you can get term insurance and

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Speaker 1: permanent insurance. Term insurance is going to last the amount

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Speaker 1: of years like ten twenty, and.

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Speaker 4: Permanent insurance is going to last your whole life permit.

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Speaker 1: Permanent insurance has different names, but most popular whole life

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Speaker 1: insurance Universal life insurance. So the difference between term insurance

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Speaker 1: and whole life insurance is that a term in shurant

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Speaker 1: is only going to last for a term ten twenty years.

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Speaker 1: It builds no cash value, like there's no money that

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Speaker 1: you saved while you're paying it. So the benefit is

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Speaker 1: that the premiums are lower. So like let's say you

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Speaker 1: have a million dollar term policy. Depending on your health

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Speaker 1: and your age, you could possibly be paying forty dollars

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Speaker 1: a month for a million dollar term insurance policy. So

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Speaker 1: that's very affordable for most people. But the downside to

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Speaker 1: that is that it's going to run up and most

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Speaker 1: of the time you're not going to die within that term.

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Speaker 1: Like if you're thirty five years old and you're healthy,

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Speaker 1: you are probably going to live longer than twenty years. Now,

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Speaker 1: it's not guaranteed anybody could pass away. They didn't give

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Speaker 1: it a moment, but just.

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Speaker 4: The odds are that you probably.

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Speaker 1: Will live longer than that term, So that means that

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Speaker 1: now you pay premium for twenty years, but you don't

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Speaker 1: get anything back from that.

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Speaker 4: Where a whole.

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Speaker 1: Life policy, the premiums are higher, like let's say a

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Speaker 1: million dollar policy. For a whole life policy, premiums might

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Speaker 1: be six hundred seven hundred dollars a month, So that's

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Speaker 1: that's higher, but it lasts your whole entire life, meaning

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Speaker 1: it's not going to expire, and it also builds us

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Speaker 1: called cash value. Cash value you can kind of look

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Speaker 1: at it like equity in the house.

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Speaker 3: With This episode is brought to you by P and

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Speaker 2: in Massachusetts, and third gang member from Al Salvador accused

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Speaker 2: and selling child pornography in Michigan. These are just some

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Speaker 2: of the heinous migrant criminals caught because of President Donald J.

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Speaker 2: Trump's leadership. I'm Christy nom the United States Secretary of

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Speaker 2: Homeland Security. Under President Trump, attempted illegal border crossings are

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Speaker 2: at the lowest levels ever recorded, and over one hundred

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Speaker 2: thousand illegal aliens have been arrested. If you are here illegally,

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Speaker 2: your next you will be fined nearly one thousand dollars

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Speaker 2: you could be allowed to return legally. Do what's right.

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Speaker 2: Leave now. Under President Trump, America's laws, border and families

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Speaker 2: will be protected.

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Speaker 5: Sponsored by the United States Department of Homeland Security.

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Speaker 1: Hey, you have money that grows inside of a policy,

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Speaker 1: and you can actually borrow from that policy down the line,

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Speaker 1: and you can vow from and you can use that

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Speaker 1: money for a variety of different things. You can use

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Speaker 1: that money to pay for your kids college. You can

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Speaker 1: use that money to buy a car, to put a

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Speaker 1: down payment on a home, or anything that you want,

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Speaker 1: you know, start a business, whatever.

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Speaker 4: So it's another form of savings.

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Speaker 1: So from there, so like I said, so from there,

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Speaker 1: you want to see, okay, what's affordable in my budget.

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Speaker 1: And it's always good to work with an insurance agent

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Speaker 1: because the insurance agent will you know, help you with

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Speaker 1: this whole process and just kind of understanding it. But

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Speaker 1: usually you don't want to really go over two point

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Speaker 1: five at the most, probably five percent of your income

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Speaker 1: and insurance premiums. So like, once again using a round number,

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Speaker 1: if you make one hundred thousand dollars a year, two

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Speaker 1: point five percent of that would be twenty five hundred

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Speaker 1: dollars a year. So you know, if you're spending twenty

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Speaker 1: five hundred dollars a year on your insurance, then that

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Speaker 1: should be you know, probably probably what you're maxing out at.

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Speaker 1: So that twenty five hundred would be around two hundred.

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Speaker 4: Dollars a month.

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Speaker 1: That that for most people, that should be affordable if

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Speaker 1: you're making one hundred thousand dollars, not like I said,

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Speaker 1: you can be making one hundred thousand dollars and not

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Speaker 1: have any money, or you can make it one hundred

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Speaker 1: thousand dollars and have you know, ten thousand dollars a

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Speaker 1: month left over if you don't have any expenses at all.

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Speaker 1: Everybody situation is different, but just on average because you

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Speaker 1: don't want to put all your.

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Speaker 4: Money into insurance. You want to do other things.

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Speaker 1: You want to you know, put money into your four

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Speaker 1: one K, put money into your child's account, put money

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Speaker 1: into an investment account, pay off your debt.

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Speaker 4: So the only way to do that is to really,

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Speaker 4: you know, do something that's affordable.

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Speaker 1: So then you can look at the situation from a

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Speaker 1: more educated standpoint to say, okay, this is a man

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Speaker 1: of insurance that I need. This is the budget that

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Speaker 1: I feel comfortable with, and then you can do okay,

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Speaker 1: I'll start off with term and then you know, switch

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Speaker 1: over down the line to the whole life because that's

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Speaker 1: one of the benefits for terms that you can always

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Speaker 1: change over or you can do a combination of both.

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Speaker 4: Like let's say your budget's two.

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Speaker 1: Hundred dollars a month, you can do half of it

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Speaker 1: in term, you can do half of it a whole life,

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Speaker 1: and that way, you know, you still have permanent coverage,

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Speaker 1: but you're not spending over your budget. But that's another

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Speaker 1: thing as well. You can do a combination, so you know,

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Speaker 1: it's it's it's kind of a long answer because it's

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Speaker 1: not like a simple answer to give.

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Speaker 4: It's a lot of different variables that go into play.

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Speaker 1: But that's that's something some of the education that you

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Speaker 1: should have when making a decision about insurance. And if

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Speaker 1: all else fails, just get term insurance because some insurance

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Speaker 1: is better than no insurance. And the most important thing

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Speaker 1: is to protect your family. So you have a child,

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Speaker 1: so that's the most important thing. You can always figure

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Speaker 1: it out later on, but you know, as far as

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Speaker 1: the most affordable option, it will probably be termed. And

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Speaker 1: like I said, you don't want to compromise your death benefit.

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Speaker 1: You want to get the maximum death benefit that you

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Speaker 1: can get. So yeah, that's how I look at it.

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Speaker 5: Oh yeah, most depth, I mean two hundred or even more,

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Speaker 5: even six hundred willing you be killing me in a

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Speaker 5: budget because I don't have a mortgage or I'm not

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Speaker 5: paying rent because I inherited a house in twenty thirteen.

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Speaker 5: So I'm fixing on that. I know how to do

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Speaker 5: construction on the house, so I don't have a mortgage.

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Speaker 5: The house has been paid off. When I'm finished with

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Speaker 5: that house, I'm ringing out and I'm moving back in

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Speaker 5: with either some siblings or my mom or somebody like that,

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Speaker 5: where I'm collecting rent from that, and that could be

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Speaker 5: whatever I profit off that taxes and insurance and everything

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Speaker 5: that could be paying my premee I work. I made

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Speaker 5: sixty thousand lectures I drive. I mean, I'm gonna live

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Speaker 5: below my means, so whatever it is, I appreciate the advice.

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Speaker 5: So I'll Monday, come Monday too that I'll be talking

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Speaker 5: to a service to see what I can get and

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Speaker 5: what's really affordable.

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Speaker 4: All right, well, no problem, all right, all right guys.

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Speaker 1: And then also if I so, especially for the insurance

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Speaker 1: and like retirement questions, if you want so, I still

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Speaker 1: have my financial planning practice.

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Speaker 4: I just I'm not actively doing it anymore. But my

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Speaker 4: dad actually the financial advisor on my sister. So I

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Speaker 4: say that at least once a call.

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Speaker 1: But you know, if you want, I think magnet, if

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Speaker 1: you could just put the information in the chat, anybody

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Speaker 1: can reach out to them and get a consultation if

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Speaker 1: you want some some you know, questions about actually how

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Speaker 1: to implement different things, different strategy. Like I said, you

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Speaker 1: can work with whoever you want with, but it is

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Speaker 1: something that I did for over a decade and still

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Speaker 1: actually end licensed and I still have my practice. I'm

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Speaker 1: just not hands on like me personally, but still kind

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Speaker 1: of oversee the operation. So if you're interested, if anybody's interested, yeah,

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Speaker 1: we can put the information in there and you can

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Speaker 1: feel free to reach out