That's The Bottom Line 09/14/24 - podcast episode cover

That's The Bottom Line 09/14/24

Sep 13, 202443 min
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  • If you have any questions please contact Asset Growth Associates Tax & Retirement Advisors located at 1391 Calder Avenue in Beaumont. You can also email [email protected] or phone (409) 840-6900.

Transcript

Speaker 1

We're just trying to turn a necke into a dime. That's the bottom line.

Speaker 2

Welcome to real honest talk about money, politics, news and information you can actually use. Buckle up and hold on tight. This is that's the bottom line.

Speaker 3

The best thing the life of free. But you can give them to the bath and be the.

Speaker 4

Hello everyone everywhere, Welcome this is. That's the bottom line. Your weekly broadcast on k l g I that tells it like it is with yours truly, Gene Valerani Reporting. You can hear this program on Saturday mornings at six am and then again on Sundays at eleven am. And we want to welcome those of you who listen to this weekly report online by logging on to Savemyretirement dot com or that's the bottom Line radio show. Either way you'll be able to hear this program at your leisure.

Now listen to me. I'm a partner at Asset Growth Associates. We've got offices located in Texas in Dallas, Houston, Beaumont, and we also have a lot of clients for those of you in Louisiana that come in here and do business with us. On this side of the Sabine now we offer investment, pension, retirement planning services as well as

income tax returns for individuals, families, and businesses. Listen. We do it all at Asset Growth Associates, including representing our clients who may be having difficulty with the irs, often being able to negotiate a settlement or occasionally even paying nothing at all, and sometimes negotiating a fresh start as well. So listen, we can help you. As I said, we've been serving our clients in Texas and Louisiana for decades now. On today's report, the debate between Donald Trump and Kamala

Harris wasn't a win for miss Harris. All the news media is trying to tell you that it was that it wasn't. In fact, it was sixty percent in Trump's favor, and we'll share this with you on today's report, Today's Dirty Little Secret takes a look at more hostage murders in Israel by Hamas. We have some information that's going to really open your eyes. Sadly, I'm afraid, and today's Solution segment. Want to make money in your investment package without fear of loss, You can, and we're going to

tell you how. During today's solution segment. Okay, folks, we've got a lot to cover, so let's get started with today's report. Former President Trump had his first debate with Kamala Harris this past week, and according to numerous reports, the ABC correspondents conducting the debate questions never challenged Kamala Harris's answers, but they were all over President Trump when throwing their questions at the former president. Was it a

fair debate? No, it wasn't fair, and he believed the fix was in to help Kamala Harris have a successful outcome. Despite what the mainstream press has been saying about the outcome going her way. Other outlets are reporting that mister Trump won the debate, coming out ahead sixty percent over Miss Harris according to independent sources. So you're going to have to be the judges to won the debate, So you have a lot of noise following the debate. Trump

did beat Kambla. Harris, though that seems to be the consensus. But today's modern American news media remains pro liberal and its reporting, so that's the way they're going to always report things to you, and for all intents and purposes, the majority of both the broadcast and cable news television networks lean to the left politically, they have now for decades, which means when putting together a debate platform, they're going to make it tougher for former President Trump or any

Republican as far as that goes. But here's the good news. Trump's tough enough, of course, to handle the unfair mainstream media, and most voters are going to ignore which candidate had the best debate performance when the real challenge is to win the hearts and minds of the American voters, most of whom find themselves locked in a very difficult economic struggle in the closing days of the Biden Harris administration.

Fact is, the typical middle class voter in the United States is struggling, just struggling to make ends meet, and for the most part, can easily see through the veneer of the Biden administrations handling of the US economy and all the inherent scandals the Biden administration has brought to bear on American working families. Can voters be convinced to

vote against their own best interests? Well, the answer is sometimes yes, but mostly no. It's hard to vote for someone intent on raising your taxes and in favor of shipping your jobs overseas. But most Americans, as I said, can see through the nonsense that the left and the news media and their allies are proposing. So the average family has to live its life in the real world, not the world of Taylor Swift or other Hollywood liberals democrats.

I guess for those those type of Hollywood people, life is just one big lifelong drama of being. It's like they live their lives as if they're still in junior high school popularity contest, who likes to and so on and so forth. But most of us, that's people who work for a living, have to eventually grow up and face life on its real terms. The American free enterprise system is what has produced the abundance for American families

and with it a strong dose of common sense. So what's the choice before the American people come election day? A known quantity or an empty package. We know Donald Trump is an aggressive businessman who can put deals together for the American people and is strong enough to accomplish his goals even against pretty tough odds. What do we know about Kamala Harris? Nothing? Really, She was a dud as Biden's vice president and is nothing more than a tax raising liberal. Is this what we want as the

American president? A tax raising liberal? I believe most of us want to live in a strong, growing economy, loaded with opportunities for achievement for individuals willing to roll up their sleeves, so to speak, and grasp those opportunities available to anyone who seeks them. We Americans have also witnessed the viciousness of politics and how a political party will

destroy its own for the sake of more power. They really got rid of Joe Biden in a hurry, didn't they, when they thought that he was You know that he was going to have a tough time being re elected. So in the end, a selfish lust for more power destroys everything it touches, including those foolish enough to support such a lust for more power. You know, we Americans have all recently witnessed what the Democrats have done within

their own ranks. You know, they kicked Biden out, try to push his comical sidekick Kamala Harris to step in and take his place. Now, do you really thinks she's ready to be president of the United States? Ask yourself, who's really running the Democrat Party. Truth is, ladies and gentlemen, we do not know. And I'm sure Kamala Harris is only where where she is now by someone else's choice. You know. With Trump, we know we have a strong leader, and we know he's tough enough to take take them

on and survive. Time's running out for all of us, ladies and gentlemen. Therefore we have to grasp, we have to grasp what strength we need to write the course of our nation and set a course for survival before it's it's it's too late. And that's really where we begin today's bottom line report. I've got a lot to cover today, and we've got to really really get into the liddy gritty. We're weeks away and for the folks,

for the folks, first books being counted. You know, the early votes are already going to be start being counted here in a few and in days actually, so the race has already started for who's going to be the next president of the United States. So in in in that regard, what we've got to do is, uh, make sure we know what what is going on and what are the chances for someone like uh Kamala Harris becoming

president of the United States. If she does, you know, it's just going to be it's just going to be pats and spend, tax and spend. They're going to ship jobs overseas. You can't believe a word they say. Because she said, oh no, no fracking, I will or I will allow fracking. But you know she won't. You know she won't. You know, you you you you. If you want to know what a person will do, all you have to do is look at their past. Ladies and gentlemen. Here's something else I want to pass along to you

this morning. A suggestion to anyone nearing retirement who has vested money accumulated in their four oh one K accounts. Right now might be a good time to transfer available funds in such an account into a principal protection plan that you hear me talk about on this show every week. Principal protection plan issued through our work at Asset Growth Associates. I want you to call us, meet with us, and we will help you transfer those funds out of harm's way.

It's not difficult to do, and it will provide some peace of mind because money in a principal protection plan does not lose value in the markets down. We'll be back with much more after this.

Speaker 1

We're just trying to turn a nickel into a dime. That's the bottom line.

Speaker 4

If you owe the I R S five thousand dollars or more, don't call an unknown eight hundred number. Instead personally meet with us to review your IRS problem. And if you want to pay the I R S nothing or less than you owe, we can set up a fresh start agreement with the I R S. We can help you. Ladies and gentlemen can call us whole free at one eight six six seven two eight three six nine seven.

Speaker 1

We're just trying to turn a nippel into one dime.

Speaker 5

That's the bottom line. People, we will.

Speaker 3

People can't even free.

Speaker 5

In the world.

Speaker 4

Beat Welcome back, ladies and gentlemen you're listening to. That's the bottom line. Your weekly broadcast on k LVII that tells it like it is. You can hear this broadcast Saturday mornings at six am and then again on Sundays at eleven am at anytime you want to listen by logging on to savemyretirement dot com or that's the bottom line radio show. You'll find us all over the internet.

The day after Trump's debate with Kamala Harris. The news media was all over itself claiming that Kamala won the debate. Of course she didn't. Kamala didn't win anything, ladies and gentlemen. She knew the questions that were going to be asked ahead of time and has been practicing those answers for weeks. The news media wants to keep supporting Democrat because the

news media, like most Democrats, is a liberal institution. What you're witnessing is the danger of what can happen when a country loses its moral compass and turns its back on its founding beliefs such as God and family. This is how it becomes possible for someone like Kamala Harris to look as if she knows something, when in fact she knows very little. But try not to worry too much. She had the questions at a time with ours to practice answering them. I don't know that for a fact,

but this is what's being reported. It was a stage debate at the expense of Donald Trump, who legitimately answered questions he was asked and did so intelligently, and who played by the rules. Since Tuesday's debates, the media is all a chatter about how well Kamala Harris did well. Some of them are Some say she blew it. So if she knew the questions in advance and was given follow up opportunities which were denied former President Trump, what

would anyone expect. Kamala is an unknown product and the only election she's ever won were in liberal California. When she did run for president against Joe Biden, her vote count was so low she was eliminated and withdrew, only to be rescued by Biden and nominate when he nominated her to become his vice president. Other than sounding like a hyena when she's laughing, she has little qualification, if any,

to become the next president of the United States. If it's true she had the questions in advance, then that alone should disqualify her to become the next year as president. Tuesday Night's debate performance is not going to thrust her into the presidency of the United States. If it does, a boy, are we in trouble? Actually, as I mentioned earlier in the previous segment, she lost the debate to Trump by a margin of sixty to forty percent. In

other words, he got sixty percent she got forty. That's a win, but you wouldn't know it if you read the news articles following the debate. The media has handed her what is usually referred to as a faric victory. That by that, you know, I mean if she if she's won the debate but loses the election, then what good did it do her. If we indeed have fair election results come November, Trump should regain the White House and this time around be able to pick up where

he left off in his mission to make America great again. Now, listen to me. No one knows the future, but what we do know is that at the moment, our country is in peril from both our foreign enemies as well

as our domestic ones, and the voters know it. So if the voters are aware of the present situation that we face, and if they agree we need a strong leader to set the course for a better future with a peaceful outcome, then the American voters will do something, do something to help do the right thing and reelect Donald Trump to a second term. It's hard to believe that the election is just about six weeks away, but

it's rapidly coming. So if anyone out there isn't paying attention. Yet, you better wake up and smell the coffee before it's too late. What's next is the campaign for the presidency, another debate, maybe in some states early voting will soon begin, and so the selection process for the next US president will be here before you know it. And if the voters elect Kamala Harris to the presidency, well, I believe it pretty well signals the end of the American Republic.

So let's hope, with all we have to contend with these days, we won't have to face the continuing problem of the decline and fall of the American Republic. It can happen, and I don't think we will. But then again, we really don't know what lies ahead. And this is why the decisions we make today one way or another, absolutely will affect our futures. You know it, and so do I. So choose wisely because the future depends on decisions that we make today as much as as your

neighbor's decision that they make today. You know, that's really the bottom line. And once we make those decisions, then we have to we have to live with them, don't we. One way for you to keep solvent is to have somebody in a principal protection account. That's those accounts we issue through our work at Asset Growth Associates. These principal protection accounts earn money and keep the gains without exposing money to losses caused by a downturn on Wall Street.

Now we have been having plenty of those lately. In a principal protection account, you get to keep all the money your account earns. You never incur losses by downturns on Wall Street. So if you're nearing retirement and it'll be here before you know it, you don't want to see your savings shrink. Why not call us an Asset Growth Associates, Come and visit with us, learn more about the work that we do. Pick up the telephone, call us for an appointment four o nine eight four oh

sixty nine one hundred. If you live in far away places, toll free call us one eight six six seven two eight three six nine seven call us at a time to come in and allow us to help you facilitate a transfer. Because you can take money in your four oh one K and just by word of mouth, you can have that money transferred from the four oh one K into a principal protection account. IRA that we issue here through Asset Growth Associates. The money is then safe,

it's out of harm's way. You make money when the market's up, you don't lose money when the market's in a in a downturn. We're gonna have plenty of those in the future. For not for not careful once again, our phone number four oh nine eight four oh sixty nine hundred, the toll free number one eight six six seven two eight three six ninety seven. We can and also be reached online by logging on to save what is my risk number dot com and save my retirement

dot com. So we're available. Call us soon and we'll help you chart a wooding game so that no matter what the market does, you will capture the games and the up market and not have to worry about losing value with the market's in a decline. Four nine eight four sixty nine hundred. And that's the bottom line. Call us and we will help you save your retirement because that's what we do every day when we get up

and go to work work with our clients. We'll be back with more after these important messages, So don't don't go away, be back right back.

Speaker 1

We're just trying to turn ankel into a dime.

Speaker 5

That's the bottom line.

Speaker 4

I want to invite our listeners to find out what a risk number can do for them. Visit what is My Risk Number? Dot com? And while you're there, you will find more information and if you click the link on the front page, a quick five minute process will give you your risk number for free. Visit what is My Risk Number dot com? Now to take control of your investments and make them do what you want them to do with a very high degree of certainty. That is what is my risk number? Dot Com? Again, what is

my risk number? Dot Com?

Speaker 1

We're just trying to turn ankel into a dime. That's the bottom line.

Speaker 4

Welcome back, ladies and gentlemen you're listening to that's the bottom line. You're weekly broadcast on k LVII. That tells it like it is. And now it's time for that portion of the show that we referred to as a dirty little secret. And I'm going to let you in on something today that you probably may be hearing about on the periphery, but it's really something that's very terrible that's going on in the world. It's something that we

better all pay attention to. You don't hear much from the mainstream news media these days about Israeli captives being held in underground tunnels. But they're still being held captive from that deal last October. But this occurs. This is still occurring as we speak. Just this past week alone, Hamas released videos showing six hostages alive and begging for their lives in an underground tunnel. But these poor souls were eventually murdered by a moss who has been holding

them captive for for over a year now. According to published reports, the hostages were kept alive by their captives for eleven months, not a year or quite a year, but eleven months now, and were killed August twenty ninth, shortly before their bodies were retrieved and brought back to Israel. All the captives were shot, men, women, and children. They were held captive for months since last October the seventh, a year ago, before being moved into underground tunnels where

they eventually were murdered. They were first used as bargaining chips to be traded. That what they're doing is they're slaughtering those poor people. They had been being held in captivity, living on protein bars and held in dark tunnels, and the Jewish hostages were kept alive by their captors, as I said, for about eleven months now, and the most recent poor souls that were murdered were just murdered about

a week ago. They begged for their lives, but to know prevail, they were killed by their Hamas captives in cold blood before their bodies were returned to the Israeli authorities. What is slowly coming out about the Jewish captives still being held is that they're all mostly young adults and if any and if they're still alive, well there's very

few left at this point. The Israeli captives had been attending last October a musical festival, a holiday of sorts, when the Hamas attacked and raided raided the park where they were having the festival, raided nearby homes. They took captives, including little babies, some of whom were murdered in front of their parents. And this story is building into one of the most vicious events since the Holocaust of World War two, erath mostly by you know, the Nazis in Germany.

Yet despite the tales of horror coming from the slaughter, Hamas continues to find support from many Muslims, including American Muslims, and also Democrat members of the US Congress and Senate. As this story eventually told is told, when it's told in full, we're gonna hear the We're gonna hear stories of brutality and torture of Jews at the hands of Hamas and other Muslim groups. It's as unbelieve as it is to top Democrats in the United States continuing to

support this licentious fury. It's going to continue and has continued for nearly a year now. But think about it, it's occurring right now here in the twenty first century. The stories of atrocities are slow to come out, primarily in the hope that the less that is known about the brutality perhaps will subside, or maybe it'll help save some lives. But it's not happening. The stories that are coming out include babies being ripped from their mother's wounds

and slaughtered can you imagine that? Almost unimaginable in this modern age, And stories much worse as to the treatment of the Jewish captives. Yet, even as more stories the atrocities continued to seep into the mainstream, little was said. Little was being said supposedly, perhaps to help spare the lives of the Jews still being held captive by Amas.

Many of you probably recalled the campus riots conducted here in the US a few months ago, and how Muslim students were attacking Jewish students while taking over college dormitories here in the United States, creating mayhem at last year's school year was coming to a close. In any event, while campus riots and anti Israeli demonstrations seemed to have quieted down here in the US in the last few weeks, the attacks on Jews abroad and in Israel itself continued

to clause bloodshed and unrest. In retrospect, much of the unrest was financed by thes in Iran, with funds released back to Iran that were being held by the United States. But then here comes the Biden administration. They released that money back to Iran. It's not too difficult to imagine how sympathizing with terror by some Muslim American politicians can lead to anti Israeli sentiment here in the United States.

And listen to me, it's happening, and we find it actually growing within the Democrat Party and among US members of Congress, even within the inner circles of the Biden administration itself. Kamala Harris herself, the current Vice President and now a Democrat president, the candidate for president of the United States, continues to make references favorable to Muslim interests abroad an unfriendly toward both Israel and the Jewish can

comunities here in the United States. Listen to me, it's not far fetched to imagine such sentiment continuing to grow. But there's no place for anti Semitism or anything else of that sort here in the United States. And when all that word finally comes out and all is known, I'm telling you, ladies and gentlemen, what it's it's going to You're gonna hear horror stories that right now they're they're holding back on and it's just unbelievable. It's it's

it's really unbelievable what's going on. And they're killing they're killing innocent people, those people that were at that festival, they're being they're being slaughtered, they're being held in captivity, and whenever they're not exchanged for for what that they for whatever it is that the the terrorist one, they're just murdering the hostages and it's going on right now

as I speak. And that's a very sad commentary, very sad. Indeed, it's a sad day for the American people to have to know that this is going on, and to know that our own federal government, the Biden administration, isn't doing enough, isn't doing hardly anything for the survival of these poor people.

But that's the way it is right now, and it's something that we're going to have to reckon with and it's something that we're going to have to know about, and eventually, I guess all the facts will come out. So that's it, ladies and gentlemen. Atrocities against the Jews is occurring and it needs to stop, and we need a government in Washington, DC that will stop it. Be back after this.

Speaker 1

We're just trying to turn a nickel into a dime. That's the bottom line.

Speaker 4

This is Gene Valarati of Growth Associates. If you've been watching recent news, a few banks have had a run where customers panic and withdraw all their money at once, causing the banks to fail. If that isn't worrying enough.

On January first, twenty twenty three, the Federal Reserve set a new low reserve trumpch for net transaction accounts to six hundred and ninety one point seven million dollars, meaning that banks with net transaction account balances up to this amount are subject to a reserve requirement ratio of zero percent. You heard me right, zero reserve requirements. Forget fractional reserve banking. How about zero reserve banking. Why would the federal reserve

create this environment of uncertainty? If this is of concern to you, and it should be, we can show you how to protect yourself and how to locate and utilize financial institutions with very real reserves, not zero reserves. Give us a call an Asset Growth Associates one eight six six seven two eight three six nine seven. That's eight six six seven two eight three six ninety seven. You can also reach us locally in Beaumont, Texas by dialing four oh nine eight four oh sixty nine hundred. Give

us a call. You'll be glad that you did.

Speaker 1

We're just trying to turn a nickel into a dime. That's the bottom line.

Speaker 4

Welcome back, ladies and gentlemen you're listening to that's the bottom line. You're weekly broadcast on kale the eye that tells it like it is. And by the way, you can listen to this broadcast this online anytime you want to by either logging onto savemiretirement dot com or that's the bottom Line radio show. We're all over the internet, so you'll be able to listen to the broadcast anytime to Well. It's signed for a solution, ladies and gentlemen.

It's been a wild ride on Wall Street recently. With so much chaos rattling the financial markets recently, it may be time for investors to perhaps wake up and smell the coffee, so to speak. And one thing for sure is that the Biden administration is rattling the entire US economy and reintroducing inflation at a greater rate than the

doom and gloom days of Jimmy Carter. One thing we must recognize is when it comes to financial gloom and doom, Washington DC Democrats love it because it opens the door for them to step in more easily and introduce schemes which never work well with short term solutions they offer, but end up causing more damage in the long run. Not only is employment, but so is everything else we

take for granted as Americans. The Democrats already control the news media and the Internet, which they're using to censor free speech and limit opportunities everywhere want to have some financial solvency and not live in fear of losing your

nest egg. If you do, consider taking the time to visit us at Asset Growth Associates, because at Asset Growth Associates we know how to help our clients legally shelter four to oh one K and pension accounts by using tax free transfers and rollovers and moving that money out of harm's way into principal protection accounts to not only stop loss but it's caused by wild swings on Wall Street, but safely keep growing the accounts by capturing gains when

credited and them safe so the money will be there when it's needed. You don't lose value in a principal protection account. All you do is gathering gains when the markets make money. These accounts accumulate earnings, add those gains to the original principle, and contractually keep them there as part of the strategies to keep building a nest egg immune from losses caused by downturns on Wall Street. When

Wall Street declines. Principal protection accounts don't lose value. Thereby, clients never have to wait for a fickle stock market to recover lost earnings because nothing is ever lost to begin with, isn't that nice? And never lose money. When you make money, it's added to the account. The account grows, market goes down, your money stays put. So these accounts are literally a bridge over those downturns that you hear

about all the time. And then when you look at your four oh one K and you see them shrinking, you say, oh my, am I going to do? There's you can do and calls an Asset Growth Associates call us four O nine eight four oh sixty nine hundred, and we will help give you safe passage to a safe and solvent outcome, because that's what we do. That's part of the work that we do here at Asset Growth Associate. Beties and gentlemen, there's nothing wrong with not losing money. You know it, and so do I. So

why take risk when there's plans available to prevent financial shrinkage? Now, if you want to learn more about how these specialized accounts work, all you have to do is call us four O nine eight four oh sixty nine hundred. If you live in far away places, we have toll free number you can call one eight sixty six seven two eight three six ninety seven that'll reach one of our offices. You got a computer, you can log on to Savemyretirement

dot com. Learn more about the work we do here at Asset Growth Associates, and then you'll be able to simplify your financial life by simply getting in touch with us, coming in visiting with us, and we will help you chart the course. So you don't have to become a victim financially in this crazy age we're living in. You don't have to right, what do they say? Most of us are not victims. We're volunteers. Have you ever ever heard that term? Well, you don't have to volunteer to

become a victim financially. There's places where you can put your money and you know that your money is going to be safe. So call us. We can help you achieve a strategy, and we've got computer programs that we use. Now listen to me. There's no perfect plan, but depending on individual needs, some are just better than others. And we can put a safety net under your financial plan.

To prevent losses, and it might be a prudent on your part to take a look at it right now once again, our phone number four O nine eight four O sixty nine hundred, our toll free number one eight sixty six seven two eight three six nine seven. You can log on to savemyretirement dot com and learn more about us. Call us, come in visit with us, and we'll help help you save your retirement. Will put a program together that it'll help you shore up your your

financial security. We'll be back with more right after these messages, so don't run away, got more to share.

Speaker 1

We're just trying to turn a nickel into a dime. That's the bottom line. We're just trying to turn a neckle.

Speaker 5

That's the bottom line.

Speaker 4

Welcome back, ladies and gentlemen. You're listening to that's the bottom line. Your weekly broadcast on kl the I that tells it like it is. Listen. You can hear this show on Sunday mornings at eleven o'clock, or you can listen to it at six am on Saturday mornings, or any time you want to simply by logging onto That's the bottom line radio show. We're on the internet. You can also find us at savemyretirement dot com, which is the website for our company. Listen to me, very very

important these days. Okay, I want to ask you a question, and I want to ask you this because do you know what financial independence really means? Just ask yourself. Well, here's a hint. Financial independence means you have the ability to meet your financial goals, whatever they might be. Goals not just providing for your children's education or being able to retire comfortably. Also, what provisions, if any, have you

made toward being able to handle financial emergencies. I'm sure over the last four years or so, you've had plenty of financial emergencies in the economy here in this country, right that Asset Growth Associates were committed to helping our clients answer those questions. And if those wild swings up and down on Wall Street have you slightly or even moderately concerned, then how's the time to call us at Asset Growth Associates. Call us four O nine eight four

oh sixty nine hundred. We'll set a time for you to meet with us at our office or call us on our toll free line one eight six six seven two eight three six nine seven take the first step of achieving financial independence, because really and fullly we're just either a phone call or a click away on on on on a computer. We're we're that close to you and we can sit down, we can visit with you, we can share ideas with you that have helped others in the past. And that's what we do. That's what

we do for a living. We help people set money aside for future use and also to do it in such a way that it fits their risk profile. Some people want to go straight into the stock market. They're willing to take a little bit of risk. Well you can do that. We can. We can put you right in the stock market if you want, or we can put you into principal protection account ounts that reflect earnings from the stock market, but you don't share in the losses.

Important consideration. God bless you, God bless freedom loving Americans everywhere. Tuned in again next.

Speaker 5

Wee that's the bottom line.

Speaker 2

You can reach st Growth Associates by calling one eight six six seven to eight thirty six ninety seven are by visiting savemiretirement dot com.

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