It's about time to have another hot topics chat where this week I'm joined by my friend Kevin Thompson from 9I Capital Group in this is the 182nd episode of the retirement planning education podcast.

Welcome to the retirement planning education podcast where you can learn all about IRAs and Roth IRAs, employer retirement plans, taxes, social security, Medicare,

portfolio withdrawal strategies, annuities, estate planning, and much more. And now here's your host,

Andy Panko. Hello everyone. Welcome back. Thank you, as always for listening. So today is another

hot topics chat where I'm joined by a fellow retirement focus financial

advisor slash planner where we talk about a handful of topics that are either current events

or just sort of comments, questions, concerns we see or hear from clients or from other folks

about retirement and retirement planning.

Some of the things we may not agree with, but the point of these episodes for those who aren't familiar is just to hear two different living, breathing, practicing advisors who work in and around this stuff with clients every day, what our thought process is, what our views or our opinions are.

It doesn't mean our views or opinions are right necessarily, um, you know, factual stuff hopefully.

I like to think we get right, but when it comes to opinions and whatnot, that obviously

these are like I said, just our opinions.

Hopefully I like to think they are well informed, uh, well educated opinions and views, but

nonetheless, you can, you can decide that for yourself.

So before we get into it, uh, breaking news, Count Chocula, the Staypuff marshmallow man,

and the Teddy Graham's bear have all died in a fire, s'more at 11.

Get it? I said that as if I was like a newscaster or something like breaking news,

and I said, some more at 11 instead of more at 11 because it was chocolate, marshmallow and in a

graham cracker thing all together over a fire and yeah, what have you. My big goofy smile moment

of the week, nothing huge, nothing too big, nothing too goofy. But I cleaned leaves in my yard

this past weekend. And I was putting it off for a while. And here in New Jersey, the final leaves don't really, you know, come off the trees until first week in December or so. So the last few weeks, the yard has been looking like a hot mess. And I was just partly too lazy to do it, not interested in doing it. And I was like, you know what, there's just going to be more leaves. So let me just wait. So I finally waited. I spent a few hours this weekend, this past weekend, getting the backyard done, the front yard done, and it looks fantastic. I almost forgot I had grass. There's so many leaves on the grass that it was hard to see. And it wasn't enjoyable work doing it. I sort of like it. I used to really enjoy yard work. I've, last few years, for whatever reason, I sort of like it. I used to really enjoy yard work. I last few years for whatever reason, I sort of lost interest in it, which, which makes it feel like much more mature than it used to historically, but whatever. So I got it done. And, you know, now the fruits of my labor are, made me smile to step back and look at my pristine grass with not a leaf on it. So made me smile. I I know I'm a big nerd. All right. So Kevin,

Kevin Thompson, a friend of mine, as you'll hear in our chat, he and I met online on LinkedIn,

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