Your guides to a really great financial future. Tom and Don are talking real money.

Talking real money is your source for financial information. That's right, five days a week.

We're here to help you make better decisions about your money, answer your questions,

and give you that long-term advice that really makes sense, common sense. Nothing crazy here.

So doing it every day. And every once in a while, we're lucky because one of our advisors,

Roxy Butner, will drop by and be on the program. And thank you for doing that

today, because we know you're very busy in your little office there, especially with your

treadmill going. She answers your call sometimes on the treadmill. I try to recommend against that.

But all kidding aside, thank you for joining us. Absolutely. Very excited to be back.

Yeah, it's great. And so here's the thing.

Roxy gets invited to speak to other groups of people, and recently she did so talking to

a group that included some entrepreneurs. Now, I've been an entrepreneur my entire life,

going back to selling Holly at age 10. So I know how this all works. Sometimes you're flush.

Most of the time, it's kind of close close and sometimes you're just downright broke. And entrepreneurs oftentimes have a hard time saving for the future because they're reinvesting in their business rather than saving for the future. But let's just before even get into that. And so you did a great presentation on that, which I got to see the slideshow, which I loved. But let's just, before we even get into that, and so you did a great presentation on that,

which I got to see the slideshow, which I loved. But let's just go back to the beginning about how people say, because we know it's still less than half of us save anything. Many people are sort of like,

well, where do I start? How do I do anything? And if you have any income, there's a couple of ways to kind of get started.

One would be, these are for if you do not have a plan at work, right? I'm talking about doing it on your own, right?

You got to get started. So one would be just an individual retirement account, correct?

Where money just goes from you right into that IRA, that's your

retirement and that's your future. There's not, the tax benefit there is you can get a deduction

for it and it grows tax deferred, correct? Yes, exactly. Okay, that's one. Then you could do

the Roth IRA, where again, money goes in after tax and grows tax-free.

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