Bored In Retirement? How Longevity Is Changing The Nature of Your Golden Years (Ep 88)
Being bored in retirement doesn't sound realistic. But, unfortunately, it's what's happening to a lot of people who enter this phase of their life unprepared. In this episode, Brian will underscore the importance of knowing what you're retiring "from" and "to.” We'll define the Freedom Factor and how it plays into your post-working life. Plus, for some of our new listeners, we'll spend a little time getting to know Brian a little bit better with some unique personality questions.
Transcript - The following transcript was generated by a robot, so please excuse any typos or inaccuracies.
Announcer 0:02
It's time to make the dough rise the financial podcast with Brian Doe
Walter Storholt, co-host 0:11
another edition of make the Dough Rise I'm Walter Storholt, alongside Brian Doe. He is of course a CERTIFIED FINANCIAL PLANNER (TM) at LIVINGWORTH - Wealth Advisors serving you in the lake country and beyond. With an office in Greensboro, Georgia, we've got a great show on the way today, exploring several I think important questions about longevity and looking at retirement maybe a little bit differently. There's an MIT study involved in today's show. What happens if retirement gets boring? These are gonna be the kinds of things we're exploring on today's show, and I can't wait to get to all of it. Brian, it's good to be with you this week. How are you my friend?
Brian Doe 0:46
Doing great doing great, had a nice Father's Day weekend and,
Walter Storholt, co-host 0:50
and we need to share a lonely Father's Day weekend but not in a bad way you enjoyed yourself?
Brian Doe 0:55
Well, I milk it Don't Don't tell my wife that I am milking it for the sad and lonely part in a sympathy because I may need this one day as a marketing point. But yeah, my whole family, we're headed off with the cousins and the grandparents and the ants. And I think they've got about 30 people at two beach houses down in Florida. And I'm a more peace and quiet kind of guy. And so I opted out. I had some conflicts. I couldn't I couldn't make it for the whole trip. And so I ended up on Father's Day alone, peaceful quiet, smoked some salmon on the news pellet smoker passed around the house that a bunch of stuff got got some projects caught up and it was very nice. I survived.
Walter Storholt, co-host 1:39
Not not a bad, not a bad year to have a little bit of solo time. So maybe next year, they'll take you to the beach too, though.
Brian Doe 1:46
Well, I'm headed down there Wednesday, and then I'll have like, a day and a half of the chaos, which is plenty. Okay, nice. And then I'm grabbing one of my daughters and we're heading around to the like Central Florida and North Florida, there's a bunch of those Blue Springs that bubble up from all the water aquifers under underneath the Florida soil there. And we're gonna go rent clear kayaks and go snorkeling and get GoPro footage and it's just gonna be a lot of fun.
Walter Storholt, co-host 2:15
That will be very fun. And I can't wait to hear some more about that trip. And looking forward to the details of all of that. It's great. Well, I mentioned what we have coming up on today's show. We're gonna dive into all of it here in a few moments. But before we do, Brian, I know that we have quite a few new listeners to the show new clients that have come on board with your team as well. And so we got a lot of new ears tuning in this time around. So we thought it would be fun to just take a quick break here at the beginning of the show to get to know you a little bit better for those who are new to the program. By asking you a few just kind of off the wall questions. We call them getting to know you questions, if you will. So we play play along with us here. I thought this would be fun, just to reveal a little more of your personality and get to know you. First of all, tell us about your hometown. And is there anything that is famous about the town where you're from?
Brian Doe 3:06
I grew up in probably one of the most unremarkable places in the middle of a cornfield and southeastern Minnesota, a town called Austin, Minnesota. But it is highly famous as the birthplace of SPAM lunch and meat. Hormel Foods, the SPAM capital, if you spam cap and not not the spam we think of with email and getting bombed with advertising email, the original SPAM that was created the can sandwich meat. So they've it's called now SPAM Town USA. They've got a museum to spam there. And I took the kids there about six years ago we did we did one of our big road trips. And we did some cool stuff, epic stuff. And it's funny to this day if you ask them what their favorite part of that road trip was, it was it was the span museum. So you know if you're ever in that part of the country and get through there, don't go go go check it out. It's it's an interesting place because they they have one of Hormel Foods largest packing plants there. And I always joked I said, that was the town. We're in the morning, the whole town smelled like a stockyard. And then by the middle of the afternoon, the whole town smelled like bacon.
Walter Storholt, co-host 4:19
That's incredible. Is that not like the best? The best evolution of a day you can imagine for a place.
Brian Doe 4:25
It definitely was definitely an improvement every day, and depending on which way the wind was blowing it. You got different impacts of it.
Walter Storholt, co-host 4:31
Yeah, no kidding, I would imagine. Yeah, really a really healthy town by morning and very unhealthy by dinnertime. It sounds like probably how people's stomachs were going. Not growling much with the early smells, but then everybody was ready,
Brian Doe 4:45
at least when in the right direction by the end of the day, right.
Walter Storholt, co-host 4:47
That's right. That's right. Exactly. Yeah. wasn't getting worse throughout the day. At least that's helpful. Oh, very cool. All right. So that's what's most famous about your hometown, a SPAMtown, if you will, if you had to live for the rest of your life in one place. That You've traveled to before, where would it be? So now you've got to get to live there. We're forcing you to live there for the rest of your life. But what you're gonna pay
Brian Doe 5:06
alright, that's, that's tough because I have traveled a lot. And I've done a lot of international travel. And there are some cool places like Japan is amazing and awesome. I love places like Nepal, the scenery and the culture, the food, northern India, places like that. couldn't live in any of those though. Turks and Caicos probably in the running maybe, but it's maybe a little bit limiting just beach all the time. I need variety. So I would have to settle on, actually right here in the US the southwest, Utah. We talked about Utah all the time. Yeah.
Walter Storholt, co-host 5:46
You recently had a trip there.
Brian Doe 5:48
Yeah. So you've got overlanding, you've got skiing, you've got deserts, you've got mountains. You're sure
Walter Storholt, co-host 5:53
that's not just recency bias. You've just that was the most recent place you went to.
Brian Doe 5:57
That may have something to do with it, are we doing behavioral finance here?
Walter Storholt, co-host 6:01
I thought I'd throw a little financial connection. Yeah. It's like I listened to the shows.
Brian Doe 6:07
You're learning you're learning? This sounds good. I like it. I like it. Yeah, it would, it would have to be Utah. I think I can. I can call that a retirement home. There's, there's enough there
Walter Storholt, co-host 6:17
some of our some of our best friends. A couple that we know really well. And their two kids. They're, they're in Utah right now for a month. So I think they're right around the same area where you just explored, and they rented a house there. And they're just doing a whole month. So that's it's pretty cool. So the kids get to do a whole month there. They're working both spouses work remotely. And so it's a pretty cool setup. And it's something they're going to try and do every year is pick a different place to go for a month in the summer. And great idea was just so cool. And so they're doing Utah this year, and they want to try international one year to but they thought they'd start their first year was something you know, still still domestic for now,
Brian Doe 6:52
Utah is amazing, because the summer there has stayed very mild. And this is apparently the bloom in the desert has been like the best. It's been in 10 years. So it's been a great, great time to be there.
Walter Storholt, co-host 7:04
All right, very cool. All right. And the third and final getting to know your question for Brian. Brian, what about your current life with the college aged version of yourself, have the toughest time believing?
Brian Doe 7:17
That's a great question. The funny way to say I was a little bit slow to launch this is probably not one that was printed on one of my like, proudest crowning achievement. times of my life. I was trying to figure out what, what to do. But I think I'd be most amazed with how well my life has turned out. I've got a great spouse and the kids and enjoy what I'm doing. And just when I was going through college, I have I told you about my 654 program?
Walter Storholt, co-host 7:43
the 654. No, that doesn't ring a bell.
Brian Doe 7:46
You've never heard of the 654 program ?.
Walter Storholt, co-host 7:49
654, No.
Brian Doe 7:49
Oh, this is amazing, amazing college program that I've developed or you spend six years, going to five different schools, four states, three girlfriends, two cars and one bachelor's degree.
Walter Storholt, co-host 8:02
Nice. I like that. I like that. So yeah,
Walter Storholt, co-host 8:06
I think you've almost got a 12 Days of Christmas song worked out there.
Brian Doe 8:10
Yeah, I just need to add a few more it should be done in seven or eight years, I could have really had to count down for it. But you know, I was changing majors a lot. I didn't know what I wanted to do with my life and just took me awhile to to get settled and get focused. And that to some degree, I'm still working on that. But I think I've got it pretty well figured out now. So
Walter Storholt, co-host 8:29
you actually had me googling 654 program, I was looking to see if it was real.
Brian Doe 8:34
It's not like international baccalaureate or something prestigious, like that. It truly was a, I think a one off.
Walter Storholt, co-host 8:41
That's awesome. I love it. That's great. Well, that's it kind of surprises me actually to hear you say that and admit that because you just always strike me as a person who knows what he's doing and what's going on and have a lot of that have a lot of confidence in how you operate. So it's, if I were to have guessed that would have said, you knew what you wanted to do from a young age and just stuck on that path and achieved it, you know, kind of right in front of you just kind of pictured you as that sort of person. So
Brian Doe 9:06
I think I have a insatiable curiosity is what it is. And I'm just I'm interested in so many different things and like exploring them all. And I didn't have great guidance at the time. So I think that is kind of a lesson for what we'll talk about today is is getting a plan and getting some guidance and getting some help with where you're trying to go and know what you're aiming at. certainly helps. But yeah, my random approach worked out pretty well. And like I said, looking back at the time, all the confusion of it and the frustration of it. It certainly ended up in a good spot.
Walter Storholt, co-host 9:45
Well, that's a perfect place to segue into our conversation of the day because we're not getting into the nitty gritty of the numbers on today's episode necessarily. So a little bit maybe more of the emotional side of planning or to some of the other consider issues that you might need to have. And so, like I said at the beginning, we're gonna cover a lot of ground here. And you're exactly right. Brian, as we kind of tackle these different topics, sometimes you can have a plan and it didn't quite work out that way. And you get pushed in another direction in your younger life, that can also happen to people in retirement. And so it kind of adjust this new world of planning that we're in, if you will, like everybody's retirement doesn't look like the next person's, which may be in previous generations it did everyone's retirement kind of followed the same arc. Seems like people can choose a lot of different paths nowadays.
Brian Doe 10:33
Yeah. And we'll actually have a resource that talks very, very specifically about that, and how we think about retirement. But what prompted this topic was recently a couple of things. One, I redid my estate planning documents, wills, set up a new trust, and just went through the whole rigmarole of what's going to happen when you die. And who, who gets what, who's in charge if you're incapacitated, so that that makes you think of, kind of the negative side of of aging and retirement and of life. But then, over this past weekend, I was hanging out with a buddy of mine, and we were, we were playing poker and gin rummy. And I mean, we just spent hours and hours just sitting there playing games and relaxing and enjoying it. It was very nice, but, and he's very, very successful. So I'm at a point where he could certainly could retire, but he's very high energy, high ambition kind of person as well. And he's, we've been going on several hours of card games, he's like, you know, I wonder if this what retirements like I'll make just gonna do this all through retirement, I said, Oh, my gosh, I hope not. So this is great. Like, when you're busy, and you have a lot going on, it's nice to have a couple of days of relaxing and enjoying and playing. But you have to do that every day, I think would can take back to my college days that we're talking about. I have too many things I'm curious about interested in. And if I'm not tied down and burdened with, you know, a job or a workload, I would certainly hope I had a bunch of really cool stuff planned, some sitting on the beach, some sitting around playing games and all that stuff. But I am not going to be a sit and retire and do nothing kind of person.
Walter Storholt, co-host 12:24
Yeah, makes a lot of sense. I can certainly see that. Or maybe it's like a lot of things in life. It's just that balance. Like leave yourself some time to relax, but leave yourself some time to get to get busy. I don't know we have the same problem right now. Brian, I mean, we just, I can't sit still anymore. It's really hard to hard to relax. Like we're like, oh, we really needed we've been traveling a lot. We really need a weekend here at home to just sit and do nothing and read and sit on the porch like we've got a beautiful view of the mountains. Let's just sit here read and chill. Now we're gonna get in a car and drive three hours away to go look for a moose. And and spend our entire day doing that driving through bumpy dirt roads and out, you know, for for a 12 hour excursion. We get back we're like, what were we thinking?
Brian Doe 13:06
But is that rejuvenating for you? Is that relaxing and enjoyable to do that?
Walter Storholt, co-host 13:11
It's it's incredibly enjoyable. And then I find myself never regretting. I mean, you'll be like, Oh, maybe we should have just sat around and done nothing, we'd be more rested. But I never actually regret going out and doing something fun and engaging and exciting and interesting. Where there are days where you'll sit around and do nothing, where I'm like, Oh, I really should have gotten it done something today, you know?
Brian Doe 13:29
Yeah. And occasionally do those rest days to just have downtime to do nothing. But yeah, free,
Walter Storholt, co-host 13:35
as many of them as you think is what I have sort of discovered in my life like, Yes, take those rest days every once in a while. But you don't need as many as maybe your brain sometimes tells you you need.
Brian Doe 13:46
Yeah, and a lot of times just getting the change of scenery and doing something epic can be as regenerative and restorative or as restful as laying around. And I don't know what watching reality TV all weekend or something like that.
Walter Storholt, co-host 13:59
Yeah, I don't even find that restful, that stress out of watching other people's drama. Exactly. All right, very interesting. And this all kind of wraps into this conversation about longevity, right? Because, man, we're just living a lot longer these days. And so we have more time and we're often healthier earlier in our retirement years than we've ever been before. So it's just like a different definition of freedom that people are operating with in their retirement years.
Brian Doe 14:24
Yeah, and I've been seeing a lot of that we've talked about demographics in the past, the population is aging, we get a lot more retirees out there and everybody's living longer. We've talked about what that's going to do to Medicare, Social Security, portfolio, longevity and all that all the financial stuff, but we haven't really talked about the life changes and the transitions and I'm not I'm no psychologist but I definitely deal with and have seen a lot of people manage this transition over the years. And personally for me, I watching my girls grow up and kind of getting ready to move on. We're we're they're all in high school. goal this year. So over the next few years, everybody's going to be off to college. And they aren't consuming as much of my time as they did. And I realized how much of my life was wrapped up in taking care of the kids and getting where they need to be, and all the schedules and all that kind of stuff. And so I've had this little bit of time to think about what what am I going to do with the next 1015 years of my life, because I've got quite a ways to go with being able to continue what I do, because I enjoy it. But other people are in different situations where maybe they're they're tired of their jobs or want to retire, they are sick of work are are appreciated, or maybe they've been downsized and just kind of pushed out. So there's a a framework that I've got, that's helpful for looking at what what you're moving towards and from and I've always used what I call the freedom factor question, and I've tied it to money.
Brian Doe 15:56
I said, if you if money wasn't a problem, what would that free you to do, versus what it would free you from and most people don't ever think of it this way. But the best way I've had it summed up was was if you're able to write a check, you cease to have a problem. So all the stuff that annoys you bothers you, you don't enjoy, you don't get satisfaction out of offload it. Maybe it's as something as simple as yard work or housework. Or maybe it's some component of paying bills and organizing things that you don't enjoy. There are people out there that enjoy doing that stuff. And so once you get clear about what you want out of your life, and what what you want more of in your life, you can use money as a tool to make those things happen. And if you do the same thing with now applying that concept to retirement,
Brian Doe 16:52
are you retiring to something? Or are you retiring from something. And so like, in the case, I've mentioned, if you've got a high stress job, or there's just a lot going on, there's some restructuring. And it's a very stressful environment. I see a lot of people that they're just like, I'm tired of it. I don't want to do this anymore. And so they're they're retiring from something, but they haven't put the thought into what they're retiring to. And very often they think boss is going to be great, I'm gonna retire, I'm just gonna go golf every day, sit on the beach and drink margaritas. And after a couple months of that, golf gets kind of boring if you've played every course in town, and a lot of your friends are still working maybe. So getting getting a foursome together every day isn't isn't an option. And sitting on the beach, drinking margaritas, which not so much for the margarita part. But sitting on the beach is awesome. After you know, maybe a week or so of that, I think you're you're ready for something else. And so what I see happen a lot is their portfolio, and their finances become their new purpose in their job. So these people that I've been very busy, they've been very good delegators. They've offloaded their financial decisions and portfolio management to me. Pretty soon they start watching CNBC every day, and they're looking at their statements going on Schwab. And also I'm getting a call like every other day from these people that all of a sudden their portfolio has has become their job, and you find out at home, they're driving their spouse crazy. So if you don't put the work into deciding what am I retiring to, you can set yourself up for a little bit of frustration and maybe a little bit of agony or frustration over about a year or two until you settle down to it. So very good to think ahead about what am I retiring to make sure you've got a plan. They're
Walter Storholt, co-host 18:50
interesting how both seem to play a factor there in the decision making process and sort of shaping that early retirement is yeah, looking at what you're retiring to and from so that's a really important and very revealing if you can, you know, take yourself as you're listening to today's show, kind of take yourself through that mental exercise. Really, really important. And this is kind of where that psychological component comes in. Right, Brian?
Brian Doe 19:14
Yeah. And so I've got a tool and thinking tool that I actually acquired as part of a coaching program, Dan Sullivan's Strategic Coach program, he would always put things in a three year time horizon and plan accordingly. But he would always say always make your future bigger than your past. So always make your future bigger than your past. That's what when you're working and you're building a business or having a career, that made a lot of sense because it was either more money or a bigger position or a promotion or, you know, bigger portfolio, something like that. It always goes back to the work, the finances, the money, income, things like that. And your kids making them too successful, prosperous, well adjusted, functional members of society. Those are all good things that you do as a parent. But in retirement, it's like if you're quitting and giving up these things that you've spent so much time doing and making important to you, how do you make your future bigger than your past, at the end of your life, and it really comes back to what people would call purpose or meaning some of those things, and I'm not as touchy feely and woowoo about all that stuff is as some people are, but it's very important. And so putting a structure in place to think about, well, again, three years, is a good timeframe to plan on, because you can see year after the year after next, so it's not so far in advance that it seems incomprehensible. And it's not so short term that it's immediate and causes us stress. And again, this all comes from from Dan Sullivan's program. And so after working through that question on my own over a number of years, I've come up with a number of categories. And I will ask people, in three years, if we were sitting here looking backwards, what has happened over the past three years, in these categories, that you would be happy with the results? Well, money is an obvious one, the portfolio has grown, we've had all income, we start claiming Social Security, the pensions are coming in, whatever, whatever the financial ones are. But those are pretty straightforward. Maybe it's some gifting to kids or helping fund a college fund. That's the stuff we do all day, every day with this. But then I've started pushing people about relationships. When you retire, you're going to lose a lot of relationships that you had as part of your day to day business, showing up at the office, getting invited to the Christmas parties and all that stuff. And most people don't realize how much of their social interaction is tied into their work. And so if you don't do some things proactively to form new relationships in this can be improving the relationship with your spouse, doing meaningful things with children, making new friends, think about relationships that you can consciously make time and venture out and try some new things. Not necessarily knowing where it's going to lead. But if you do nothing, you know, I can promise nothing's gonna happen.
Walter Storholt, co-host 22:40
Love that. The old Wayne Gretzky quote, right. Do you miss 100% of the shots? You don't take kind of a little bit of that spirit. Right of Yeah,
Brian Doe 22:47
exactly. I like that one. And I like the Henry Ford quote, whether you think you can or you can't. You're right.
Walter Storholt, co-host 22:56
I like that. And okay. Yeah, I always felt good for a second.
Brian Doe 23:00
Yeah. So my kids will always ask me, What can I do this or whatever? I can't. So well, what do you think you can or you can't? You're right. If you think you can't, you're not going to try. But if you think you can, and you're determined you're you'll you'll find a way to make it may not cut around exactly like you planned or wanted. But the main thing is, don't do nothing. Do Something.
Walter Storholt, co-host 23:23
Yep. Makes sense. So Brian, what are those other categories that you were mentioning?
Brian Doe 23:28
Right health is the one that clearly should not be neglected. If we're living longer, maintaining strength and Bone and Joint Health and all that kind of stuff. Don't neglect your health, find some way to get active involved, structure some time around that, you know, Laura's my my workout guru in our house, so I'm always taking notes from her fun is the other one. And you need to consciously make a like everyday is not going to be fun all the time. It's not going to be like the nonstop party or golf outings. But what are your hobbies? What travel goals do you want, not just doing the same thing every day, but putting some big objectives out there. I've got one couple that's planning a two month trip to Italy. And they're having different friends and family come visit them while they're there. And it's just going to be an epic trip and making some milestones and some some memories like that. Very important. Do you agree with your spouse on where you want to go, what your leisure activities are, they may be different and you may want to have different times where you got guys trips and the girls trips and things like that. Another one is new capabilities. This is what I really push people on. Because a lot of times they they've retired they quit, they aren't looking at developing a new skill or getting better at something or learning new things. And even if it's just a learning history classes or or books and things like that? What new capability or new knowledge do you want to acquire? And that keeps you curious, that keeps you actively mentally involved. It keeps you interesting because you've got new stuff to share with people. So focus on capabilities. And then the final one, contribution and impact. I mentioned mentoring and helping, you know, relationship wise, some of these overlap a little bit. But what contribution Do you want to make? Is it with the church? Is it with the nonprofit? What specific impact do you want to have. And again, having money frees you to do some things. And as opposed to just hoarding money, and writing up your will, and leaving it all off to somebody at your death, use your money while you're alive to make some impact and contribute to organizations or individuals or think causes that you believe in. And you'll get a lot more fulfillment out of that. But if you if you run that exercise out and come up with objectives for the next three years in those categories, now you can dial it back to the next one year, and then the things that you're going to focus on in the next quarter. And I've found that structure to be immensely helpful. So if anybody wants, has not and wants to go through that exercise, be sure to let me know,
Walter Storholt, co-host 26:19
we've talked a lot about motion and travel and contribution and taking care of your health and those relationships and money. And all of that seems to fall a little bit kind of in the category of maybe your your early retirement years are the first half perhaps of retirement, and then the things shift now that Americans are living longer, does that change a little bit of the nature of how retirement is experienced by people as they get older?
Brian Doe 26:41
Yeah, so there's a new book by Joseph Coughlin that I've got on my radar to read, I've not read it just yet, but I've read an article about it. And it's seems to be focused in on the same topic and hits the nail on the head. title of the book is called the longevity economy. And is, his point is, is the classic retirement framework around having enough money in old age is necessary, but it's not complete. And so he says, leisure is a story we wrote for retirement when it was short. And if you go back, a generation or two of retirement was maybe five or 10 years if you were lucky. And now more than not, we're seeing 10-15, 20-30 year retirements. And so he says leisure is the story we wrote for retirement was short. And therefore life is the new story we need to write when it becomes so much longer. And that goes back to that that meaning that purpose, you know, what you want to accomplish, and really getting something significant out of your retirement. Because if you are 65, there's a 50% chance that you will make it to 85. And if so that's that's a 30 year life in retirement. So rather than being this short period, kind of earmarked for leisure, we need to make retirement a little more dynamic, maybe have some part time gigs, and in a variety of ways. You have to stay engaged. So that's that's my thoughts on it. I haven't completely solve the issue. But I think talking about it and exploring it will certainly get the ball rolling.
Walter Storholt, co-host 28:35
Okay, very good. Well, I appreciate the look through of all of these different moving parts on the show today, questions about longevity, and that changing retirement landscape and what you're going to be doing, I hope, it inspires some people to think about how you're going to spend your time in retirement, maintain those relationships, health, all those different categories that we discussed, because Brian, it's all just as important as the financial components that you help people walk through on a daily basis.
Brian Doe 29:01
Yeah, absolutely. It more and more, I have found that my training in finance, economics and investments, I should have been taking a lot more psychology and understanding how the brain works. Because over the years, I have found myself morphing into that role of, you know, just just kind of helping people have a positive outlook and things like that. And you can go through money numbers, spreadsheets, Monte Carlo simulations and the like. But you've got to have some ways of positively looking forward, what's your plan? What are the non financial components of your life because that's really what it's about. At the end of the day. So yeah, hopefully this was helpful,
Walter Storholt, co-host 29:46
all part of your financial goals, not only the financial component, but the what you want to do, the what you're striving for and how you're currently operating. All of those things are important if you want to get a handle on all of those goals and need a plan And for how to save or need help with investment management, all of those things are covered when you work with Brian doe again certified financial planner. That certification is the standard of excellence in financial planning. And those CFP professionals like Brian meet rigorous education, training ethical standards, very committed to serving clients best interest today, to help prepare you for a more secure tomorrow. Brian's got over 20 years of experience doing this for folks each and every day in the office. And so you've got questions you want to see if you're a good fit to work with Brian or how he might be able to help you better prepare for your financial future. Go ahead and give a call today. And you can set up a free 15 minute call with Brian to see if you can get some clarity around those goals that we've talked about. You can call 706-451- 9800, 706-451-9800. Or go to livingworth.com And just click book a call that's living werth.com Click book a call. You can find that contact info in the description of today's show, of course. Well, Brian, thank you for all the help and guidance on the show today. And we've covered so much ground from spam to retirement to travel and Utah and all sorts of things. So this was a fun one. Appreciate your insights.
Brian Doe 31:10
Yeah, it was fun, great questions and good talking about all the stuff
Walter Storholt, co-host 31:14
have fun driving around Florida with with your daughter and checking out the hot springs and we'll look forward to chatting with these are cold cold springs Cold Springs. Yeah, you don't wanna get a hot spring in Florida, right? Yeah. It's gonna be cooling off. Good point. Well, thanks everybody for being with us on the show today. We'll see you next time on Make the Dough Rise.
Announcer 2 31:44
Make the Dough Rise is brought to you by living worth Wealth Advisors with a central office in Greensboro, Georgia, but serving the lake country and beyond. The podcast is available on Apple podcast, Spotify and all your favorite podcasting apps. Subscribe today and never miss an episode. Just search for Make the Dough Rise with Brian Doe. You can also visit makethedoughrise.com To listen to recent episodes. If you'd like to contact the show or schedule a complimentary financial review with Brian and the team, just go to makethedough rise.com and get in touch through the website or call 706-451-9800. Thanks for listening to Make the Dough Rise.
Announcer 3 32:23
Investment Advisory services offered through Main Street Financial Solutions LLC information provided is for informational purposes only and does not constitute investment tax or legal advice. Information is obtained from sources that are deemed to be reliable but their accurateness and completeness cannot be guaranteed.
