Let's Talk with Leaha & Rhonda

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you're listening to locally produced programming created in KUNV Studios

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on public radio KUNV 91.5. The following is a paid program sponsored by Crawford Management Group and Smart Time Consultants. Please be advised that the voices and opinions you may hear do not necessarily represent the views of KUNV Las Vegas, the University of Nevada Las Vegas, or the Board of Regents of the Nevada System of Higher Education.

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a system of higher education. Hi, this is Leah Crawford.

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And I'm Rhonda Nolan. Welcome to the Let's Talk with Leah and Rhonda show.

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We're here for you and we're ready to go.

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Let's do it.

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Good morning, Las Vegas! What is going on this beautiful, bright and warm Saturday morning?

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Liv, what's happening with you?

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Hey, I'm back! She's back! We missed you last week! I'm not going to lie. I had a ball.

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Oh!

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I thought about you.

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That's great. Where were you?

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So I actually, well I went to Cancun.

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Okay.

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And it was funny because while we were there, it was my 35th high school reunion. All right. And while we were there, one of our classmates, she said her mother was like, you know, when y'all went to Jamaica, y'all went and it was a bunch of stuff going on. Now y'all going to, you know, Mexico and it's a bunch of stuff going on. Are y'all smart girls? And we just fell out laughing because we went to this academic high school, like 97% of our class went on to college. And it's a public school in Philadelphia, all girls public school, and we were the 232nd class to graduate in 1988 from this high school. So it's just being with those women, a lot of women, I mean just doing some amazing things around the country. Someone's in Alaska, someone's in Florida I am here two of us are here in Las Vegas it was it was a good way to reset after tax season so I you know I laid on the beach and laid I'm not not I'm sorry not the beach the pool because I don't want to go to the beach because it was public I laid by the pool and like being in resorts right and for those of you that don't go to you know you don't know how to learning how to resort you want to learn how to resort resorts from the time you wake up until bedtime they have activities for you so it's almost like kindergarten right you have a bunch of activities during the day you have to read the schedule sign up to participate or you can just lay by the pool and when it's all inclusive everything is free so you eating and drinking till you just can't eat drink swim it's just a good time a good environment. That's wonderful well you look very tanned very refreshed, very relaxed. Yes I am, yes I am.

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That's good.

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But I heard you had Kim on last week. Did you have Kim on last week?

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I did, I did.

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I know that's always a good show.

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I love Kim. We had Kim on last week and we talked about self-care. We talked about hair, nails, and skin. And that's what I was doing, yes. Taking care of yourselves.

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Because you know, entrepreneurs, if we don't take care of ourselves, it's all bad. It's all bad. It's all bad. We're going to have another conversation today, though. We're going to talk about money.

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Oh, we're going to talk about money today.

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We're going to talk about money today. We're going to talk about money today. Wow. So I actually have been told that I needed to talk to this person. And I guess he told me, he's been told that he needed to talk to me. So we finally connected. First time wasn't able to get him on the show, you know, schedules, you know, but this time we were able to confirm he was here. And I want to introduce you to Chris Bridge Forest. Chris. How are you?

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Excited to be here. Hey

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Show so we will talk about money today and we're gonna talk about you know, just Products because I don't know we really understand how insurance works. Well first I want to know about you. Where are you from? I'm from Valdosta, Georgia. I'm country boy. Okay. All right. So have what brought you to Las Vegas? Military.

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I served in the Navy for 12 years. My last duty station was in Fallon, Nevada, in northern Nevada, in the middle of the desert. And I kind of migrated to Las Vegas to, you know, I figured I'm here, seeing Reno, might as well see what Las Vegas is about.

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And I've been here now for about 20 years. Okay, so you've been here about the same amount of time. Yes, well, you put it together. I've left, came back, left, came back and you put it

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all together it adds up to about 20 years.

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What keeps bringing you back? Bringing you back, it's like a slingshot, coming back. Like a yo-yo, coming back.

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The city's infectious, you know. Down south, back south, it's even keeled, very slow, good country living and then everything shuts down.

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Where are you from exactly from the south?

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I'm from a small country town called Valdosta, it's right down the Florida-Georgia border. Okay. It's now a metro town. Over the years, they've moved up Air Force, Moody Air Force bases. Actually, how I got there, I'm an Air Force brat. Okay. Yes, ma'am. So, it's an interesting space, you know, like most people say they're from Georgia, the first thing they're going to tell you is they're from Atlanta, you know, and they just live there.

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Right.

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Me, I'm proud about Austin. ESPN Zone, Titletown USA, they're having Wintersville down there this weekend. They call us Floridians because we're right there. Literally can throw a rock across the Florida border.

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Oh, wow.

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That's like that D.C. mailman Virginia thing. You can throw a rock to D.C. You can throw a rock to Virginia. Yes, ma'am. In certain areas.

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Yes, ma'am.

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All right, so what do you do? I'm working with people to secure their retirement, find the right insurances, maybe disability, long-term care, life insurance, or again, putting a retirement portfolio together is where I primarily find my focus is.

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Okay, so say I'm coming to you and I want to retire. I mean, I want to retire, hopefully someday. Where do I start as an entrepreneur as an entrepreneur?

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Well first we're gonna sit down have a conversation again and find out exactly what you're looking to what age you're looking to retire find out How much you want to have in retirement? What kind of lifestyle you want to live so like what's your number?

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Yes, ma'am

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Okay Find out what that number is and then we build a plan to reach that reach that goal of that number Sometimes depending on the time when you get started it can be a little bit more hectic than you know of course the later you start it's always a lot more hectic. The earlier you start the easier it can be. Typically we find most folks that you know we all have a 401k or an IRA and we typically think that that is our retirement which in essence it is not. It's just one piece. It's my personal opinion it's a small piece in the retirement even though it's a large bucket of money it's a small piece because in retirement requires you to take about 20% of your full income and divert it towards that retirement and whatever that looks like you know it's it's sometimes it's a sacrifice

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depending on how... Let's go back let's say it let's I we got to repeat that again so so you know no no no no because I want entrepreneurs to understand because I did I dozed off. Okay well what Chris just said is 20% of your monthly income should be tucked away for retirement. That's what he just said. Say that again. 20% as an entrepreneur, 20% of your monthly income should be tucked away for retirement.

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Yes, ma'am.

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Pin drop. That's why I got silent. So, I should be putting away $2,000 a month.

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Yes, ma'am.

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That's correct. Okay. And the numbers get larger.

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They do.

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Okay. Again, it really depends on, you know, again, what is it that you want to retire or how do you want to retire? What do you want to accomplish in retirement? So looking at that overall idea of what that is, you know, if we put a plan together and everything that we do, I want to be real clear on this one, everything we do has to make sense for your budget. You'll find a lot of folks will come together and they'll say, okay, where the misconception of working with an advisor or working with somebody in financial management that it's going to cost you a ton of money. And realistically it doesn't because what happens is, is that we never plan to fail. I mean, yeah, we never plan to fail, but we fail to plan.

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Right.

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And so getting together with that planner, putting that plan together, gives you that opportunity to really start somewhere. And that's what holds a lot of people up, in my personal opinion, because I hear it all the time. Oh, I can't sit down and have a conversation with you because I don't have the money to afford you. No, that's not the case. You just don't afford me. It's afford me the lifestyle that you want to live in retirement. And that's what you really got to face because again, that 20% number, it becomes tough.

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So how can I start though? Because what I, um, 20% 20% is used to start.

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Yes, ma'am. It is. So where do you start? Say that's the goal. Yes, ma'am. Well, first off again, we start with that conversation and we have to find out exactly what that number is. And again, what that lifestyle looks at. And no matter how you look at it, there's going to be a sacrifice depending on the lifestyle, how you look at it. If that makes any sense.

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No, it does make sense.

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So I guess Leah's question is, because entrepreneurs, we're constantly making money and putting money back into our business. It goes like this.

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So should we start at 20% or should we start at 5% for the first couple of years and then

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go up from there?

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And again, it depends on the individual. It really depends on the individual where you're at with your life and where you're at with your monies, what's coming in, what's going out to really define where you really start. It's a case by case basis. My personal recommendation is, you know, how bad do you want that life in retirement? Because if that's what you really want then you're going to have to figure out how to rearrange things because typical we find also too is that most people think that I don't have the money but when you have sit down and have that conversation we actually find the money and we can find the money in what you're already doing and just redirect in how you're doing okay all right

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so in other words my monthly uh new purse budget

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I'm sorry, I know y'all, I'm sorry, y'all know that was because that's a necessity. I do want to know what I'm living today. And I and I guess that's what you sometimes do. That's what I hear a lot. I'm living today and I'm living today. I mean, I'm going to I want to be around tomorrow. But I look at it when I retire. My monthly expenses should be nowhere near what they are today.

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Yes, ma'am.

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That's the first thing. Because I'm not retiring until my house is paid off. And that's my biggest expense. Yes, ma'am. Right? So everything dealing with my house is paid off. So that knocks that out. And I guess really finding out what that number is and how much money do you need. And then your youngest child, you'll be done spending with your children. I can't retire until he done. Right, right. So we can't retire until our house is paid off. We can't retire until our child has finished college and has gained employment. Possibly. Well I told him he was my retirement plan. Then your car should automatically be paid off. It shouldn't take that long. Well see the thing with that is though, I look at it as I'm always going to have a new car. So I always worry about that. Yeah, so I got that's always that that's that's that's just part of the budget. That's part of the budget. So that's all part of my number. But I look at but I hear the 20 percent. But can you help somebody build to get to the 20 percent? Oh, and that comes back to the conversation of sometimes you're already doing it.

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You just need to redirect how you're doing it. OK. And sometimes again, yes, that purse budget or that part.

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No, no, let me say that, no, okay. You can play with a lot of things. And a lot of things I'm not even going to, you know, hey, we can discuss moving a lot of stuff. That one ain't going nowhere.

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So we'll talk about how much.

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The Starbucks budget can go somewhere. Now, we can trim down the Starbucks budget.

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Yes, ma'am.

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Like we can't trim down the personal, like the hair, the nails. You're not trimming that either. You're not moving that.

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See, and there it is, comes into the conversation. There are some things that you're just not going to move. Non-negotiable.

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Exactly.

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So, in that conversation, we're finding out what means the most to you.

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Persons, clothes.

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And what the things that we can make change in. That's where we make that change. We make that change together. So, you know, how do we start? Well, again, it really starts with that first initial conversation because I can tell you all day long that it needs to be 20% right? But as you're asking me that question, well how do I come up with that 20%? Well I can't know because each case is different and each person depends on what they want in that retirement and how they want to live their life because as you said when we retire the main goal is to make sure we're paying

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as little in taxes as possible if not none. So but then you're talking about as little in taxes if not nine, then you're talking about products that when you when you receive the money from them, when you receive the money from those products are not taxable income. So that's like your ralphs. ralphs are not taxable when you receive the money. But if you do a set, it's taxable when you pull that money back out. Yes, ma'am. No. So it's also understanding the products that you're investing in to then and you know and to understand because I have a bunch of retirees as clients and They still pay taxes

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Yes, ma'am

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And again that comes in like you just said the products and how you set that up which again comes back to that conversation You know, I mean, where are you at now? What are you already doing? What can we redirect and how are we not using this product and you're using this one. So pulling all the pieces of that puzzle together for each individual, whole life, Roth IRAs, those are your best two places where we try to find you and put something together. See most people think that just having a big whole life policy is the answer. No, not at all. So let me ask you this, I contact you, how often should you and I be having conversation? Once a quarter, depending on you know your your level what you're trying to do it could be once a quarter it could be once a month

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it could be minimal though minimal minimal quarter minimal once a quarter yes okay so I like what you're saying Chris because honestly if you catch young people at a young age and they start saving 20% at a like right out of college discipline their discipline and they will always do it so it doesn't matter how much money they make us about an undisciplined 50 year old that they've been living. Right, right. That person? That would be me.

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With the purse budget? The purse budget. So what we have to do with her is we have to stress health, wellness, and all that stuff. She has to have herself ready and prepared. That's why I gotta go.

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Just in case things don't go exactly how we planned for them to go.

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So I'm glad you brought that up too when you talk about health because the three things that drive the cost of insurance in itself are age, gender and health. Okay. What not. So when we talk about those products that we want to be in at the same time, those three factors do play a part. And also, you know, looking at where that person is, when we mentioned like a Roth IRA, where there are limits on that, on how much income and how much you can put into that Roth IRA before they say you can never put any more in there. Which again comes in where those other products come into play. But it all comes back to age, gender, and health that drives that cost. So those are factors that you also got to factor in when you're talking about where you might have an individual, like let's talk about that 50 year old that did everything unconventionally, spent a ton of money, makes great money, but hadn't really taken care of themselves because they've just been enjoying their life as it is today. Well sometimes it's going to cost them a little extra because of a health issue because of the product that we may choose to get them to the end game of

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their goal. Got it. So that and what I like what you're saying is because I know a lot of a lot of the 50 year olds I talk to we're looking for mailbox checks. I mean that's the easy way to we all want that but we're now looking at with mailbox checks. I need to do something that I'm going to the mailbox once a month and I'm picking up checks. Yes, ma'am. And that's my retirement plan, mailbox checks, because I didn't do all the other things. But I like what you said about young people and entrepreneurs with children and little things you can do to set your children up. And I don't want to put you on the spot with this. I won't ask that. But I will say, if you have children, can you start investing in policies for your children?

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Absolutely. I'm a big proponent of that. I would say that, especially with credit, the one thing we know about our kids and credit and things of that nature, you can start your kids off early on. Put your kids on as co-signers or authorized signers on your credit cards at an early age. So now they're getting some credit built up that you'll find typically these college kids now, including myself, I did it too. You know, they were there, the guy signed in the little, signed in the little form, get your credit card, and bam, you had these high, because they didn't have the financial education or literacy to understand, I just know they're giving me a credit card, you know what I mean, I'm in school, I need to pay for books, I need to pay for this, I need to get this. But having that conversation early on as an entrepreneur, because as an entrepreneur, you're going through these things, so you're taking your kids right along. Things you can do is add them again to your credit cards to start building credit Credit worthiness for them as well again that proponent of college education 529 plans have been around and they're a great way to save for college planning. I Personally not a fan of it. Why I don't like where you don't have as much control over your money Okay, and I'll use my kids. I have a 10 year old and I have a three year old. All right, I'm prior military Let's say, you know, I'm saving right now. I'm saving into this 529 plan every year. My kid gets old enough and let's say he gets a five, maybe some type of scholarship, well athletic, collegiate, whatever. So his college is now taken care of. He doesn't need this money because everything is taken care of. Now I can roll that money to my daughter, but let's say something happens and man, she decides to follow dad's footsteps and join the military.

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She doesn't need the money.

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No ma'am. But now I can roll it to myself or my wife. But not. And, but we're not going back to school.

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But you got grandchildren that you could possibly.

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Or grandchildren. We can roll it. But you can keep rolling it but if you decide that you don't want to roll it and you have something coming up and you need that money that you've been saving. You can't get it. You can't touch it. Because now it acts like it's a 401k. You can't touch it early until you're 59 and a half. Otherwise you're going to pay tax penalties.

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Oh wow.

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Interesting. Well, the good thing is I'm closer to 59 and a half now.

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So I prefer to use life insurance for college planning. I use, for example, I have a policy for, I started a policy for my son when he was two years old. By the time he's age 20, I set it up where after 20 years, it's a whole life policy, that policy is completely paid up. There'll be at least $20,000 inside that policy. Or I have an option, I could do a couple different things I'm gonna teach my son one how to Borrow from himself and pay himself back. Okay. He's gonna learn how to use that life People say that a lot, but nobody tells you how to do it Yes, ma'am, and that's the other thing too because I you know I and I Because I hear a lot of things all the time.

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And I, okay, so I hear you, show me.

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So with this particular policy, right, after 20 years the policy is paid up. He's got about $20,000 in there, right? Because the company that I use to do this policy have a certain thing called, what we call indirect recognition. What does that mean to you? That means that if you have money growing in this policy with indirect recognition and you need to take some money out of that policy, the way you can take money out of that policy is in the form of a policy loan. And the reason why people ask you the question, why am I borrowing my own money? Well, the way it's written in the IRS tax code, that's the loophole of how you can pull your money out tax-free. So that's how you're doing it.

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Because loans are not taxable.

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Yes, ma'am.

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So let me add, but I know that sometimes in some cases in the policy, if you don't pay it back or the repayment does not happen fast enough, they will issue you the 1099-R.

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Yes, ma'am.

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Okay.

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So you just need to know the rules of the game before you pay it back.

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That happened to me before.

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I pulled money out. I took a loan out of a 401k. I didn't pay it back and that's exactly what happened. They gave you a 1099-R. They did. Typically, when you find that happening with an insurance policy, they have what they call

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direct recognition because, again, you're actually taking money out of the policy.

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But in direct recognition, you're not actually taking money out of the policy. There's a separate bucket of money that the company has set aside for you to pay it back. So, if you're not paying it back, you're not actually taking money out of the policy. So, if you're not paying it back, you're not actually taking money out of the policy. So, if you're not paying it back, you're not actually taking money out of the policy. So, if you're not paying it back, you're not actually taking money out of the policy. So, if you're not paying it back, you're not actually taking money out of the policy. So, if you're not paying it back, you're not actually taking money out of the policy. So, if you're not paying it back, you're not actually taking money out of the policy. So, if you're not paying it back, you're not actually taking money out of the policy. So, if you're not paying it back, you're not actually taking money out of the policy. There's a separate bucket of money that the company has set aside that you're actually pulling the money from. Because the way the company looks at it is they are guaranteed that they're actually going to receive that loan back. And the way that happens is, is God forbid if there's an untimely death, what they're going to do is they're going to subtract that loan from the death benefit and then they'll kick out the rest. Going back to how, right, now that I got that out of the way, showing my son how to use this money as maybe his own bank, whatever the case may be. Let's say he turns 16 years of age, right, or he needs to buy, let's just say, let's not put an age on it, he needs to buy his first car. He's decided he's going someplace else, whatever the case may be, he doesn't need that money, he's got a scholarship, so we're going to use that money to buy his first car. Take $5,000 out, would not, we go buy his car, not that that's going to buy a nice car, but you know what I mean, it's going to be his car. And I'm using hypothetical numbers here.

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He's going to get from point A to point B. You will be shipping the car to said destination because it will be a local car.

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Hypothetical numbers just again to show you the how. But what happens now is, I'm going to teach him now on every month, you know what I mean, just like he went to a bank and borrowed the money from the bank, he is the bank. He'll pay himself back and put that money back in his policy.

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I have other options for your children as well because we work with, and we haven't brought on one yet either, a scholarship doctor. Ria Watson. So she focuses on a debt-free college experience.

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I know Ms. Ria very well. We attend the same church. Ms. Ria has talked to, she's amazing. She's amazing.

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Yeah, no, my son has won, actually he just won another scholarship. And we also do stuff with 100 black men. So I'm big on children winning scholarships, not waiting to high school, but being disciplined to go out there, write, do the activities to get the scholarship dollars. Cause my son just won, he won $400 from 100 black men and another 250 from an essay contest. That's a beautiful thing.

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Let me take it a step further though. It's not only just for scholarship, it also impacted his retirement. Because now, remember I told you, this policy has paid up and paid off in 20 years. So now you have a paid up asset that is constantly still growing as if you were adding money to it. So that's the difference with a whole life policy. It's like an IRA on steroids or a 401k on steroids. It's continuously growing and you don't have to add another dime. Okay. Depending on how it's set up. But this particular policy, when I'm long gone and my son is age 65, right, there'll be just under $300,000 in this policy. Nice. So, interesting enough, he's now got an asset that he doesn't have to make any more payments, so he can't mess it up.

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So he can't throw it away. Can't throw it away. Would not.

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I love it. He's got an asset set, you know what I mean, where again, he has multiple different opportunities to use this. But once again, you know, my idea is that, let's say from a business standpoint, he decides he wants to start his own business. Instead of going to, again, the SBA or another one, he can go to his policy, pull that money out and use that for startup.

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Got it.

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I love it.

0:23:51
I love it. So there's several different opportunities why I like to use life insurance, again, for just college planning. Because when I talk about life insurance with kids, it's never about a death benefit. It's always about how they'll be able to utilize the instrument.

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Got it. Got it. So you are listening to Chris Bridgeworth. He is with Applied Wealth Management. You can contact him at 702-931-7099. Again, 702-931-7099. Good conversation, because I don't know if we talk about these things again from what I'm hearing you basically if I come if I contact you well when I come I'm already a client but when I have my next meeting I got some questions then you basically will customize something for

0:24:43
me yes ma'am so that I can reach whatever my goals are yes ma'am and then you would help me with children and things like that expansion upon the family because that's the ultimate goal right if you're doing it you know means the conversation that we're sharing amongst our friends and family again these are conversations that are happening in our household coming back to that policy I didn't grow up I didn't come from money you know my father was an Air Force you know we had three three boys you know people think that the military make a ton of money and they don't raising three kids only and living on discipline though it's a different discipline there's just not enough money there and that's the other side of it so you know having the idea that when my son gets older and I can say hey here's $20,000 to go start your life it's a big deal okay and it cost me 50 55 70 bucks 55 to 70 bucks a month okay

0:25:32
how many years you have to pay for it

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20 years okay so it makes sense when you're expanding your family and having children that you start these policies for your children as soon as they're born. Yes ma'am. And so therefore they have an asset by the time they get in their 20s and they have something to grow off of. I like that a lot. Listen it's been fantastic speaking with you Chris. We could go on and on.

0:25:55
We need more time.

0:25:56
I didn't even realize. We need more time but there's so many things to talk about and you've raised some very good points and hopefully our listeners out there are thinking entrepreneurs when you are having when you're expanding your families make sure you set your children up for greatness and you can reach out to Chris and speak about some different products and he can be reached at 702-931-7099 again Well, Chris, I want to thank you for coming on the show. We really appreciate talking to you and we look forward to having you back on.

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Yes, ma'am.

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It's a pleasure.

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This was fun.

0:26:39
All right. Thank you. Thank you.

0:26:42
All right, Rhonda, what we got going on? What's up this weekend? It's a great weekend. It's nice and warm outside. There are so many things happening. I just don't know where to start. All I know is that you entrepreneurs, it's time to get up and get out and get that walk in today. Get that blood pumping. It's warm outside. You have no reason not to start your day every day with a walk in your neighborhood or at your neighborhood park.

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So get up and take care of yourself. Also, I want to say save the date. Save the date. Save the date. Sunday, June 11th, the Las Vegas Metropolitan Intra Alumni Council United Negro College Fund, 15th Annual Southern Hospitality Jazz Brunch at the Suncoast Hotel and Casino. For tickets, you can contact www.iacvegas.org or Peggy Selma at 702-277-2448. It is Sunday, June 11th. Yes, it's been three years, but they are back. All of the proceeds are for scholarships, and all of the money is for Nevada residents. This group is for Nevada residents. So, cooking show, real quick. We got time. Cooking show, real quick, real quick. Real quick, the next cooking show is the end of May. I don't have my calendar open, but we'll talk about it next week. We'll talk about it next week, but I want to say, what y'all do this one we did roasted chicken sauteed broccoli and potato salad and they made potato salad y'all in an hour no well about two hours okay anybody that makes a potato salad knows that it you know and yeah right so when it's next week have your pen and paper ready cuz let's sign up let's get in the kitchen with these with our children and let's cook something cuz this is something major they've been doing this now for three years and like I always say they supply the food. That's right the beautiful thing but anyway we got to run our time is up you've been listening to Let's Talk with Leah and Rhonda. I'm Leah Crawford. I'm Rhonda Nolan it's been a pleasure speaking with you today see you next Saturday. Peace. pleasure speaking with you today see you next Saturday. Peace.

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you

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