Money Monday with Brian James

Episode Transcript

Speaker 1 (00:00):
Make us your number one preset for instant access. It's
my go to fifty five.

Speaker 2 (00:04):
KRC the talk station, you know, six fifty five kr
CD talk station. Happy Monday, It's Monday, It's ato six,
which meeks is time for all Worth Financials Brian James
and another edition of Money Monday. Brian, welcome back up.
You had a nice weekend, my friend. Your microphone's off.

Speaker 1 (00:26):
Brian.

Speaker 3 (00:27):
Wow, that's two weeks in a row. Brian, that's two
weeks in a row. I got to put another dollar
in the jar.

Speaker 1 (00:32):
My bad. Good morning, Brian, Good morning, mister Thomas. How
are you? Can you hear me loud and clear of
this time?

Speaker 4 (00:38):
Loud and clear? It's working fine now.

Speaker 2 (00:40):
So anyhow, it's not the smart thing to do take
your Social Security BEN benefits earlier. But I guess, at
least based on the article reported in the Wall Street
Journal that you provided for the context of this conversation,
fear mongering has driven people to claim benefits earlier and
bad idea. So what's the story behind this one, Brian James.

Speaker 3 (01:01):
Now, the story is whenever people get nervous about Social Security,
and we had this during the first Trump administration as well,
whenever people get nervous, the answer is always, well, I'll
just go turn on my benefits now. That way, I'll
be as guaranteed as I possibly can. They're really let's
cut to the chase here. There isn't any evidence at
all showing that that Trump has it in his sights
in terms of actual action. But I will say I

(01:24):
can confirm just from my normal day to day I'm
getting a lot of questions about this, and I have
had clients that there that have decided, you know, what
the heck with it. I just want to you know,
burden the hand versus two in the bush. I want
to go ahead and turn on this big our position
at all worth as we're having clients, you know, doing
our planning processes and all that has not changed, which
is that Social Security is not in a good spot.

(01:45):
But that is not That's been something I've talked about
all three decades of my career. Really been in a
good spot. The math has really never worked, never worked.

Speaker 2 (01:52):
Congressional Office, but Budget Office comes out with it every year,
tell you how much longer it has before it's going
to collapse on it. So this has got nothing to
do with the Trump imministration, the Biden administration and Bomb
administration has everything to do with Congress not taking steps
to correct the problem or fix it in some way.

Speaker 1 (02:09):
Yeah, and this goes back to the forties.

Speaker 3 (02:11):
So I think the real issue here was that we
decided in the nineteen forties that we were going to
carve an eight percent increase in stone. That eight percent
you get every year you don't file for Social Security
has been in stone since the early forties when it
was first put in place. It does not react inflation,
that does not react to interest rates. So when we
went through so security had a problem anyway before we

(02:32):
went through twenty years of the lowest interest rates the
world had ever seen. But so Security kept going up
by eight percent like clockwork every single year. So that
accelerated the problem. But nothing has changed just because Trump
is in office. The mask still says and as you mentioned,
the CBO looks at this every year, and the mask
still says that the quote unquote, and we got to
qualify this. The quote unquote trust fund is going to

(02:54):
run out by twenty thirty one, twenty thirty two, thirty three,
something like that. Now, let's make sure everybody understands that
does not mean that a pile of money is going
to go poof. That is not what that is. That
simply means that for all of us. You know, I'm
sitting here at work, You're working. I see Joe working hard.
There's a lot of people out there on the highway
trying to get to their jobs. All of us are
going to get a paycheck sometime in the next two weeks

(03:14):
and it will say FIKA on it, and there will
be a deduction that's you paying for your Social Security benefits.
That is going to continue well past twenty thirty three,
twenty thirty four, whatever the magic year is. So as
long as money is flowing from paychecks, it's going to
reach beneficiaries. If they change nothing, then benefits will need
to drop by about seventy percent because that's what we

(03:35):
will be bringing in from current workers to pay beneficiaries.

Speaker 1 (03:38):
Right now, we're bringing in more. That's the trust.

Speaker 2 (03:40):
Fund well, and as the article reflects, it really is
prudent to put it off as far as you can,
because benefits starting at age seventy are seventy six percent
higher than if you start a drawing at sixty two.

Speaker 4 (03:55):
That's a substantial difference.

Speaker 3 (03:58):
Yeah, it's a substantial difference, but I'm not going to
call it prudent because that it could be different for anybody.
If you are a person who sometimes the math just
doesn't work and there are no other resources for income,
that kind of thing. So I don't want people thinking
it's black and white. I got to wait till seven.
I it's not the case. However, if you do have longevity,
you expect to get past your you know, your early
to mid eighties and whenever your relatives passed away, isn't

(04:19):
necessarily the only the only only factor, because there's a
lot of people in their nineties at nursing homes that
didn't expect they were still going to be around. But
it's that is a very personal specific decision based on
your own financial circumstances. So just because it's the highest
number doesn't make that the answer. What other resources that
you have that you could tap into? And I'll tell
you where the pivot point is, Brian. If you're somebody

(04:39):
who has resources, You've got your own savings, that kind
of thing. When I do the math for clients, it
tends to be what is the tax treatment of your
various other resources? If you have all four oh one K,
like many of us do. Lots of us work for
companies in this area that support that either are or
support Fortune five hundred companies. That means we got a
boatload a four oh one K money that probably has
not been taxed yet.

Speaker 1 (04:59):
That tends to be the pivot point where.

Speaker 3 (05:01):
If you're going to get taxed earlier in your early sixties,
if you have to draw on your four oh one K,
that might say, you know what, go ahead and turn
on social security first. However, if you've inherited a pile
of money, or perhaps you've built up a significant amount
of wroth IRAA is not taxed, that tends to favor
pushing social Security out a little bit.

Speaker 2 (05:17):
That's a really important point you make there. And not
already has the resources like in a four oh one
K to cover themselves adequately. You got to take this
so security when you can, when you need it. So
I guess the other component of this is, you know,
people are living longer, which suggests, and I think the
statistics bear this out, they're choosing to work longer. And

(05:38):
if you're continue employment, you've got that steady revenue stream
in there, maybe you can continue to contribute to your
wroth or maybe continue to contribute to your four oh
one K. But that also will help you allow delay
that Social Security draw for a while longer.

Speaker 3 (05:51):
Yeah, a lot of people are always on the fence
Brian when it's time to retire, because it's a big commitment.
We all kind of hide behind the money. But once
we realize, you know, for people who are in a good,
fortunate situation and have worked hard, then they realize, you
know what, I've never thought about whether I actually want
to work. You know, maybe it's important to me to
have a place to go to get out of bed
and have some you know, some purpose and that kind

(06:11):
of thing. Not everybody is dying to get away from
work in general. They just haven't been able to pull
a trigger yet. Those folks are definitely saying I'm gonna
just keep working for a little while. Long ago, I
was on the fence anyway, But now this, you know,
I just don't deny. I might totally turn on Social
Security if the math works, but I'm definitely still gonna
keep working. Now, let's talk about that situation for a
little bit, because there is a bit of a.

Speaker 1 (06:31):
Bite you can take.

Speaker 3 (06:32):
I would be very very very careful, just running down
to Social Security. If you are between age sixty two
and your full retirement age, which will be somewhere between
sixty six and sixty seven depending when you're born. If
you are between those ages and you turn on Social
Security while you're working, you're gonna give.

Speaker 1 (06:48):
A chunk of that back.

Speaker 3 (06:49):
There is there's something called the earnings test that will
take away a chunk of that Social Security pain.

Speaker 2 (06:54):
And that isn't that something that Trump has talked about,
like not taxing Social Security because you know everybody who've
used that, it's sort of it seems outrageous.

Speaker 4 (07:03):
Wait a second.

Speaker 2 (07:04):
You know I paid all the taxes, and you know
I had income tax at the time, and they took
out my FIKA, and you know, here I am getting
taxed on what I basically quote unquote invested in throughout
my life. I get it with the four to one
K because it's pre tax earnings. But this doesn't seem
quite right about taxing social Security benefits.

Speaker 3 (07:22):
Yeah, and that's a good point, but that's slightly different.
What I was referring to is the fact that you
will take a haircut on your Social Security payment if
you are going to generate W two income somewhere around
twenty some thousand dollars as if you're still working and
you're under that age sixty seven what you're referring to. Yes,
Trump has talked about we're not going to tax Social
Security at all, but that so far is nothing more

(07:42):
than a campaign promise, and we are, in fact we've
actually been draining the Social Security tanks a little bit
more quickly. One of the recent changes was the Social
Security Fairness Act that would that came forward under Trump,
but it was it was basically put into law by Biden,
which is removing something called the windfall elimination provision, which

(08:03):
took away dollars from somebody who had a In this area,
we have a lot of people who were state teachers
in some of the state sponsored pension plans. If you
paid into Social Security earlier in career and then you
spent the rest of your career on paying into a
state plan, then you had to take a haircut on
your soci Security payment. There that has now been removed.

(08:23):
And if you are in this situation that so Security
is reaching out right now to confirm with people and
tell them what their payment is going to be. Increasing
to the windfall elimination provision has been removed. That's good news,
but that is we've just widened the drain on Social
Security just a little bit more. So next time the
CBO talks about this, it's going to have to reflect
the fact that there are bigger payments going to people

(08:44):
you know, that weren't receiving them before, and that's not
in the math yet.

Speaker 1 (08:47):
Yeah.

Speaker 2 (08:47):
I guess the takeaway I have from the article is,
you know, if everyone was saying, you know, I'm going
to start tapping into it early because I think it's
going to disappear through mismanagement by our federal government, the
whole programs on ICE make more sense than saying, oh
my god, evil Trump is going to get rid of
Social Security. That I mean, there's no truth at all
to that, So that someone would make a life changing

(09:08):
decision to start taking this draw early because of say, oh,
evil Orange Man. I mean that the level of ignorance
that suggests is just to me mind boggling.

Speaker 1 (09:19):
Yeah, and a lot of it comes from me.

Speaker 3 (09:20):
There are voices in the Republican Party that, of course
want to reduce Medicaid benefits and that is not germane
to this particular conversation. However, I think people come back
and they say, well, if he's coming after medicaid, will
come after everything else. Therefore, I'm just going to turn
on this big and be done with it. That's not
there's no more truth of that than anything else.

Speaker 2 (09:36):
Well, apparently Americans are financing groceries, not a positive signal.
We'll talk about that with Brian James coming up next.

Speaker 1 (09:45):
First.

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nineteen ifify about kerrcdtalk station all or financials. Ran James
joints the program every Monday beginning get eight to a five.
We do a few segments together, talk about money issues
and hopefully get instilling folks some responsible money management. And

(11:11):
we'll get to a little bit more of that next.
But now, Brian, let's start with an acknowledgment from Brian Thomas.
I'll behalf of the Thomas family. We got grocery shopping
every week, right, And I got an Emory Federal Credit
Union credit card, charge your grocer's on the credit card,
and then I paid the bill off at the end
of the month.

Speaker 4 (11:30):
Isn't that buy now pay later.

Speaker 1 (11:34):
In it roundabout way? Yeah, pretty much is. Yes.

Speaker 2 (11:36):
So I've been reading all these articles about buy now,
pay later, and I always thinking to myself, what the
hell is buy now, pay later versus putting on a
credit card. You either pay the balance off or you don't.

Speaker 3 (11:49):
Well, the folks who this is affecting are the people
who can't get credit cards because they have not enough fans,
resources or bad credit or so who's off for these plans?

Speaker 2 (12:01):
Yeah?

Speaker 1 (12:01):
So what these are?

Speaker 3 (12:02):
These These are plans being offered directly by by the
companies that you're buying these products from, groceries, electronics, whatever,
whoever's in the mood to do it now. The electronics
companies all that, they tend to do it around Christmas
for obvious reasons. But grocery stores, you know, pretty much
obviously not a very cyclical industry.

Speaker 1 (12:18):
We're buying groceries no matter what.

Speaker 3 (12:20):
So buy now, pay later is a little bit different
than you know, a lot of people associate with like
payday loans and that kind of thing where I just
need a couple bucks here in a short run, and
you're going to charge me an exorbitant amount of interest. Well,
the card they get to play if you're if you
are a merchant who's going to offer buy now, pay later,
you get to tell people there's no interest involved at
all here.

Speaker 1 (12:36):
I'm not going to charge you any interest.

Speaker 3 (12:37):
I'm simply going to allow to allow you to pay
for last month's groceries this month, which you know, so
on its face mathematically it doesn't really cost any more. However,
if you're in a situation where you're chronically needing to
take advantage of these types of arrangements, that is just
a blinking, flashing red light to say, hey, something is
going wrong and you're going to need to address it.

(12:57):
These are paycheck to paycheck situations, and if you don't
have the credit card or you don't have any other resources,
then sooner or later you're going to run into a
situation where not only have you gone to the grocery
store like you always do, but also the transmission fell
out the bottom of the car.

Speaker 1 (13:10):
What are you going to do at that point?

Speaker 3 (13:12):
So it's still a flashing red light to say, hey,
this isn't you don't have any oil in the engine,
This is not going to last.

Speaker 1 (13:17):
We need to address things.

Speaker 4 (13:18):
Well fair enough to all that.

Speaker 2 (13:19):
But much like your initial point is is for folks
who can't get a credit card, that means their credit
score is too bad or they don't I don't understand
the other criteria going to getting credit cards. But why
would some institution who is in the business of profiting
and making money gamble on allowing folks to buy now
and pay later that can't qualify even for a credit card.

(13:42):
They're just guarant they're setting themselves up for people not paying,
aren't they.

Speaker 1 (13:46):
Yeah, it's a numbers game, though, Brian.

Speaker 3 (13:48):
So in other words, if I'm a grocery store and
I sell pretty much the same stuff as my rival
grocery store, then I might be able to attract more
shoppers by allowing my shoppers to push out their bills
without incurring any interest versus another store that does. It's
simply a way to look more attractive to another shopper.
But I mean, logically and reasonably considering, you're finding a
way to rack up fairly significant losses by attracting those

(14:10):
customers who might not be able to pay their bills,
just in the name of what looking like you're a
little bit better. Margins for grocery stores are single digits.
They don't really make that much money in terms of
overall profit what two, three, four, five percent? Maybe, so
it looks to me like they're jeopardizing their own financial situation.

Speaker 1 (14:27):
To me, they can be.

Speaker 3 (14:29):
But remember everything, everything is about how much did you
make and how much volume did you generate this month?
Because whatever, if I'm the manager of a grocery store, good, bad,
or indifferent, somebody's going to want to know how much
did my store sell versus, you know, versus the competition
this month. And if I can drive volume, you know,
by simply making it easier for people or making let
me let me rephrase that, making it easier to perceive

(14:52):
that I'm easier to work with because at the end
of the day, we're all paying our bills no matter what.
Then I can potentially drive a little more volume that
makes my store look better. I'm not saying that's the
thing to do. I'm just saying that's where the incentive is.

Speaker 2 (15:02):
Well, it just seems to me, the math doesn't work
out because if you're not actually getting the money in
the door, you're merely showing what you sold. The soul
doesn't equate to profit until that bill is paid.

Speaker 4 (15:14):
So it's like the.

Speaker 1 (15:15):
Stock market reacts to what did you do yesterday?

Speaker 2 (15:20):
I'm okay, now, you can't sell me on this one
being a prudent business decision for businesses out there to
go down. But in regardless of that, and for those
folks who may have to pursue this option because of
their the situation, I mean, any any sound recommendations. I
mean the one thing to say, you know, you need
to get a job that pays more. But that's just

(15:41):
not a solution for so many people. I don't understand
where the genuine solution is.

Speaker 3 (15:45):
Brian James, Well, no, and again I wasn't saying this
is a prudent business solution.

Speaker 1 (15:49):
I'm just saying our incentives are out of whack.

Speaker 3 (15:51):
Somebody is leaning on a grocery store to produce more profit,
produce more volume. Just show that you're doing something, and
you know there are surveys out there that yeah show that.
A recent lending Tree survey showed about forty one percent
of buy Now, Pay Later users made a late payment
in the past year. That's up from thirty four percent
this year, so you're right. There are also late fees

(16:12):
and other things there where if you make a late
payment on an arrangement like this, you will pay a
little extra for it, so there's margin in that too.
So in a sense, grocery stores are becoming a lot
like banks. This goes back to the emergency fund discussion
we always have, which is make sure you have one
and you won't be in this situation.

Speaker 2 (16:28):
Well, which takes us to our next topic, which is
sadly some people have just given up on saving money.
One more with all were financials Brian James after ay
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including software updates and programming, and then walking out with
that full warranty, have more money in your pocket.

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It's a pretty good feeling.

Speaker 2 (17:24):
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Ten and nine says we've got a mostly sunny day
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For a traffic update.

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Speaker 2 (18:48):
Good Shi, I have eight thirty here fifty five KRCD
talk station Bryan Thomas with all Worth Financials. Brian James
get yourself a financial plan to help you navigate the
challenges of investing so you don't have to worry about it.
Plus us, you got to get one that has a
fiduciary obligation to you. Fee based financial planner is a
way to do so. They're not trying to say is
something you don't need that they're profiting off of. I'm

(19:09):
not speaking out a term, am I, Brian James?

Speaker 1 (19:12):
No, not at all. That's it.

Speaker 3 (19:13):
You want somebody who sits on the same side of
the table as you. My success is my client success.
If I can help people understand, you know, what their
options are in the pros and cons of each one,
and make them get them into a point where they
can confidently choose option A over B or C because
they understand it, then I've done my job.

Speaker 4 (19:28):
Amen to that.

Speaker 2 (19:29):
And one of the things you're probably going to recommend
and correct me if I'm wrong, is that they have
a nest egg of money in case something happens, that
they are have a pile of cash. They're sitting on
maybe three months six months worth of living expenses and
normal expenditures, and apparently, at least according to the article
you provided me, half of Americans have given up on
even saving money. Now, Is that saving money beyond just

(19:52):
that having that cash cushion around? Is this like saving
money out all is and not even bothering to invest
in a retirement fund like a four to one or
a roth for a one k.

Speaker 3 (20:02):
Yeah, not only is that one of the things we recommend,
it's the first thing we recommend. It's just like you know,
buying a brand new car at the dealership and not
putting any oil in the engine and driving it.

Speaker 1 (20:10):
Off a lot. You've got to have some liquid cash.

Speaker 3 (20:12):
When I'm building a plan for somebody, I want to
make sure that the short term, short term chaos. Right
while we're sitting in the office, something could happen to
that individual or that family or whatever that will that
is completely unexpected. They're going to have to write a
check for If that happens. In a situation where we
don't have enough money in the bank, there's not an
emergency fund, then we're either going to have to swipe
a credit card and pay ridiculous interest rates, or we're

(20:33):
going to have to tap into longer term savings, which
usually involves penalties and taxes and so forth.

Speaker 1 (20:39):
So, yeah, the.

Speaker 3 (20:40):
Issue here today and go figure people are a little
spooked right now. I don't think that's a big shock
to anybody. This is the new study out showing about
sixty seven percent of people, so two out of three,
feel like they're behind on their savings goals. To answer
your question from before, what are we actually talking about
with savings? This is really an indicator of how many
people are in a situation where they can systematically an

(21:00):
ongoing amount out of their paycheck. In other words, there's
a steady surplus every week, every two weeks, or every month,
or however often they get paid. There's more coming in
that period than there is going out. So about two
thirds of people say that they are not in that situation.

Speaker 1 (21:16):
Well, so what do we do about it?

Speaker 3 (21:18):
We need to make sure we need to make sure
that people understand the situation. So some other factors here,
about sixty three percent of people who have a savings account,
so maybe they were already in the situation, had put
themselves in a strong spot, but they have tapped into
it since just since the beginning of twenty twenty five.
Now we're only about a quarter of the way through
twenty twenty five and two out of three people have

(21:39):
tapped into their their emergency funds here for reasons some
unexpected expenses, everyday necessities or emergencies. Some of them have
to tap into it for housing payments, rent, mortgage, that
kind of thing. Only about eighteen percent say they use
their savings for intended purposes. Put differently, eighty two percent
of people tapped into those savings for something they didn't

(21:59):
exack coming up. So there's a lot of people out there,
of course, suffering from this situation. Again, what we're trying
to avoid is longer term solutions that cost money in
the form of interest rates and penalties and taxes and
so forth.

Speaker 2 (22:12):
Well, and also, as I read this, it's a sort
of a generational thing too, with certain generations, you know,
dealing with it or managing it better and others not so.
Gen Z apparently displayed the strongest growth potential thirty eight
percent actually building their savings during this period. That's that's
a good indicator anyway.

Speaker 1 (22:32):
That is a good indicator, and that's a sizable generation.

Speaker 3 (22:34):
Now, what I will say, having talked to you, know
these are these are my clients kids, and my right
clients kids are my clients as well. So I frequently
wind up talking to them even though they're really kind
of just getting started and so forth. I will say
that is a much more conservative generation. They've grown up
pretty much with chaos as opposed to you know, their
parents and grandparents who started to save their dollars in
the eighties and nineties where really nothing bad happened for

(22:57):
twenty years and everybody became addicted to the stock market. Well,
this generation has seen nothing but chaos, and so they're
addicted to security. So both groups go too far in
whatever direction that they're already predilected to. It's my job
to kind of keep everybody in the middle.

Speaker 2 (23:12):
And that's what the value of a financial planner is,
to walk through it and evaluate where you are now
and how you prepare for the future and where you
will be at that point. Brian James always enjoyed the
conversations we have, even if they're a little disturbing. Sometimes
if we get some good news on the horizon, we'll
have something really positive to talk about next Monday or
maybe the Monday after that. But have a great week,

(23:34):
and thanks to the time you spend my listeners and me.
Brian James appreciate.

Speaker 1 (23:37):
The opportunity and the Mike will be on the whole
time next week.

Speaker 4 (23:40):
I oh, okay, I hear the words. We'll see what
happens next week.

Speaker 1 (23:44):
I hear it for you.

Speaker 2 (23:46):
I take care man. It's about eight thirty five. If
you five. Curiousity Talk Station should be a really fascinating conversation.
The next guest dustin Dunbar and apparently not your typical
tale of addiction and recovery. That's described as a hilarious
and deeply insightful book. It's You're doing Great and other

(24:07):
lies Alcohol told me. That'll be on next to Hope
you can stick around.

Speaker 3 (24:10):
This is fifty five krc an iHeartRadio Station.

Speaker 4 (24:14):
Man trouble in the Bedroom.