Reality Radio for a really great future.

We're talking real money.

Ladies and gentlemen, the following podcast slash broadcast or broadcast slash podcast contains an important message for all you young whippersnappers out there who think you know more than

us old timers about money we're going to share it with you in just a minute but first welcome to the

program hi everybody i'm don that's tom this is talking real money you scared me for a minute there

we hadn't talked much today and some other guys showed up. What's going on here? So glad you feel better.

Well, I got a little frog in my throat. Yeah, we're here to talk about money with you.

And we want you to call us with your money questions, but we got stuff we need to share with you, too.

Our phone number is 855-935-talk. That's 855-95-8-25-5. And us, old-timers here, have a little message for you, young whippersnappers. You may be very intelligent, and I am not doubting your intelligence. You in the later end of Gen Z or the later end of millennials and early Gen Zers.

You guys, smart.

You're really smart.

I give you smart.

You don't have perspective, expertise, wisdom.

And that's a problem when it comes to you guys, given, or your peers giving you advice on tiki-talkie or YouTube because they're giving you some, they're giving you some really bad advice.

And you've heard us on this program talk about social security, not the program because of social security, because we still do believe that it will be fixed in the requisite number of years before there's a real problem with the benefits being reduced.

Actually, there may be a real problem right at the time they have to fix it.

It'll probably start a little bit, kind of like the government shutdown.

It'll be like, okay, it's getting a little painful. We've got to fix it. Yeah, that would not surprise me. But what we're talking about here is when to file, when to claim Social Security. Now, you've heard us say many times, wait. Wait. Wait. Just wait. Wait. Wait as long as you can because that benefit basically grows at 8% a year.

And there's not a whole lot of things that are going to make you that.

That's a safe 8% a year plus inflation.

Yeah.

Because they're getting the, you get the inflation adjustments too.

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