Podcast appearances and mentions of andy bush

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Best podcasts about andy bush

Latest podcast episodes about andy bush

Just Films & That
Throwback Thursday - Duel with Andy Bush

Just Films & That

Play Episode Listen Later May 22, 2025 52:26


Throwback Thursday time!This week we're taking you back to another fantastic guest episode. We sat down with DJ, author and podcaster Andy Bush to discuss a film of his choosing, Duel directed by Steven Spielberg who went on to achieve very little in his career.Give it a listen!Original air date: 25/05/2021·       Please note, this is an un-altered release of the original episode. All references and content are accurate and relevant as of the original release date but may now be out of date.All the usual links below:Apple/iPhone:https://podcasts.apple.com/gb/podcast/films-n-that/id1470141261Spotify:https://open.spotify.com/show/1C4LiOrMZTD90e9tbB5EQOAcast:https://feeds.acast.com/public/shows/6071ac061216e55e7a95b11bYouTube: https://www.youtube.com/channel/UCIZopXPQHmlSnpgwtr2_ROQIf you'd like to get in touch, then the email is filmsandthatpod@gmail.com and we're on all the usual social media platforms  if just search for Just Films & that and you should find us!Our Website ishttps://www.justfilmsandthatpod.com/Our Patreon is:https://www.patreon.com/justfilmsandthatCheers!The Just Films & That team   Get bonus content on Patreon Hosted on Acast. See acast.com/privacy for more information.

Life Goals with Theo Delaney
Life Goals with Theo Delaney - Andy Bush (Part 2)

Life Goals with Theo Delaney

Play Episode Listen Later Apr 21, 2025 41:59


Theo Delaney is joined by Absolute Radio's Andy Bush for the second part of his Life Goals with the Evertonian's selected scorers including Kevin Campbell and Dominic Calvert Lewin. We resume at Goodison Park in 1999...@bushontheradio@LifeGoalsTD@theodelaney @theodelaney.bsky.social https://hellorayo.co.uk/absolute-radio/presenters/andy-bush/https://www.theodelaney.com/life-goals-links

Life Goals with Theo Delaney
Life Goals with Theo Delaney - Andy Bush (Part 1)

Life Goals with Theo Delaney

Play Episode Listen Later Apr 14, 2025 43:02


Theo Delaney's guest is acclaimed broadcaster Andy Bush, co-host of the Absolute Radio drive time show and presenter of numerous ace podcasts including Scarred For Life and Guestimators. An ardent Evertonian Graeme Sharp features among his selected scorers in this part one of two and there is some excellent music choice as you might expect fron the man fronm the Indie Disco. @bushontheradio@LifeGoalsTD@theodelaney @theodelaney.bsky.social https://hellorayo.co.uk/absolute-radio/presenters/andy-bush/https://www.theodelaney.com/life-goals-links

Inside The Plan With The 401(k) Brothers
Answering Key Questions in Retirement

Inside The Plan With The 401(k) Brothers

Play Episode Listen Later Apr 11, 2025 21:07


In this episode of Inside the Plan, brothers Bill and Andy Bush explore the often-overlooked questions and concerns that shape a meaningful and financially secure retirement. From maintaining your health and managing family responsibilities to finding purpose and planning for long-term care, they walk through the major life areas that impact retirement income planning. With real-life examples, personal stories, and thought-provoking questions, the brothers offer a candid and practical guide for anyone approaching or envisioning retirement.    

Inside The Plan With The 401(k) Brothers
ITP-Risks in Retirement

Inside The Plan With The 401(k) Brothers

Play Episode Listen Later Mar 13, 2025 19:53


In this episode of Inside the Plan, the 401(k) Brothers, Bill and Andy Bush, explore the key risks retirees face and the importance of planning ahead to mitigate them. They discuss longevity risk, inflation, healthcare expenses, investment volatility, liquidity concerns, family responsibilities, and public policy changes, providing insights on how to prepare for a secure retirement. Key Takeaways ✔ Longevity Risk – Running out of money before you run out of life. ✔ Inflation Risk – The rising cost of living affects retirement budgets. ✔ Healthcare & Long-Term Care Risk – Increasing medical expenses and the need for caregiving support. ✔ Financial Elder Abuse – A growing threat from scams and even trusted individuals. ✔ Investment Risks – Stock market volatility, interest rate changes, and sequence of return risks. ✔ Liquidity Risk – The importance of keeping accessible cash reserves. ✔ Work-Related Risks – Counting on employment but facing health or job market obstacles. ✔ Loss of a Spouse – Financial and emotional adjustments following a partner's passing. ✔ Public Policy Risk – Changes in Social Security, Medicare, and tax laws can impact retirement plans. Time-Stamped Chapters & Breakdown

Inside The Plan With The 401(k) Brothers
Climbing the Steps to Financial Confidence

Inside The Plan With The 401(k) Brothers

Play Episode Listen Later Feb 3, 2025 20:40


In this episode, Bill and Andy Bush discuss the "7 Stages of Financial Well-Being," a concept developed by Money Coaches of Canada. They explore each stage, from financial chaos to financial fulfillment, and provide practical insights into how individuals can move up the financial staircase. With a focus on building confidence and intentionality, this episode is a roadmap for anyone seeking financial freedom and stability. Whether you're in financial chaos or nearing financial fulfillment, Bill and Andy share tips and strategies to help you navigate the emotions, behaviors, and actions needed to reach the next level. Time-Stamped Chapters: 00:08 – Welcome and Introduction: The 7 Stages of Financial Well-Being 02:20 – Defining Financial Confidence and Well-Being 03:30 – Stage 1: Financial Chaos—Understanding the Struggles and Emotions 06:00 – Stage 2: Financial Avoidance—Awareness and Desire to Change 06:50 – Stage 3: Financial Awareness—Taking Charge and Building a Plan 09:00 – Stage 4: Financial Stability—Basics in Place and Moving Forward 11:39 – Stage 5: Financial Security—Following a Plan and Managing Risk 13:55 – Stage 6: Financial Freedom—Living the Life You Want 16:11 – Stage 7: Financial Fulfillment—Spending and Giving Aligned with Values 18:27 – Steps to Move Up the Ladder—Intentional Planning and Guidance 20:00 – How to Seek Help and Resources for Financial Growth Sound Bites: "Financial confidence is about the freedom to make life choices without being overburdened by financial worries." "Organization brings about stability. When you know where everything is, you feel more in control." "If it is to be, it's up to me.” Moving up the financial ladder starts with taking personal responsibility." "Financial fulfillment is about aligning your money with your values and using it as a tool to achieve your purpose." Main Takeaways: Financial Chaos: Characterized by disorganization, fear, and living paycheck to paycheck. Overcoming this stage requires addressing behavior and habits. Financial Awareness: The first step towards change involves acknowledging the problem and building a plan. Financial Stability: Basics like emergency savings and retirement contributions are in place, but continued effort and organization are key. Financial Fulfillment: At the top of the scale, money is no longer an obstacle but a tool to live a purposeful life aligned with values. Steps to Progress: Planning and intentionality are the antidotes to financial fear, and seeking guidance can provide the clarity needed to move forward. Resources: Money Coaches of Canada – Learn more about the "7 Stages of Financial Well-Being." Horizon Financial Group Resources—Explore tools and resources to improve your financial confidence. Contact Information: Bill Bush – bbush@horizonfg.com Andy Bush – abush@horizonfg.com Horizon Financial Group – Website Disclosures: The views depicted in this material are for information purposes only and are not necessarily those of Cetera Advisors LLC. They should not be considered specific advice or recommendations for any individual. Neither Cetera Advisors LLC nor any of its representatives may give legal or tax advice. Bill Bush and Andy Bush are registered representatives offering securities and advisory services through Cetera Advisors LLC, a broker/dealer and Registered Investment Adviser, member FINRA/SIPC. Cetera is under separate ownership from any other named entity. Address: 15015 Jamestown Boulevard, Suite 100, Baton Rouge, Louisiana 70810.  

Inside The Plan With The 401(k) Brothers
New Year, New Habits: Decluttering Your Life and Finances

Inside The Plan With The 401(k) Brothers

Play Episode Listen Later Jan 8, 2025 23:34


Episode Summary: In this episode, the 401(k) Brothers reflect on the start of 2025, discussing the importance of decluttering physical and digital spaces, reviewing financial habits, and setting actionable goals for the future. Bill and Andy emphasize the value of behavior over knowledge in achieving financial success, the importance of budgeting, and the benefits of seeking professional guidance. They encourage listeners to celebrate achievements while staying focused on continuous improvement and planning for their future. Timestamps: [00:08] - Welcome to 2025 Bill and Andy open the episode by reflecting on the rapid passage of time and sharing personal milestones, including Bill's upcoming 60th birthday. [01:20] - Decluttering at Home Bill talks about repurposing a room during the holidays and how decluttering can create both physical and mental clarity. [03:45] - The Psychological Impact of Tidying Up Andy highlights the connection between physical clutter and mental stress, referencing The Art of Tidying Up and discussing how letting go of unused items can bring freedom. [05:30] - Reflecting on Financial Behaviors The brothers explore how reviewing spending habits can reveal valuable insights. They cite The Psychology of Money by Morgan Housel to stress that financial behavior often matters more than knowledge. [07:15] - Digital Decluttering Bill discusses cleaning out his email inbox and unsubscribing from unnecessary subscriptions, emphasizing the financial and mental benefits. [09:10] - Managing Subscriptions The brothers discuss evaluating and minimizing subscription services to avoid wasteful spending. [11:05] - Budget Reviews and Emergency Funds Andy explains the importance of regularly reviewing your budget to prepare for unexpected expenses and build an emergency fund. [13:20] - Boosting Retirement Contributions Bill encourages listeners to increase retirement savings incrementally to offset inflation and secure a better future. [15:10] - The Power of Celebrating Wins The brothers discuss celebrating small successes to stay motivated, referencing Mel Robbins' The High Five Habit. [17:30] - Seeking Coaching for Financial Success Bill underscores the value of seeking professional advice, whether for fitness or finances, and how it can help overcome challenges. [19:00] - Making Resolutions Stick The brothers share tips for maintaining New Year's resolutions, stressing the importance of envisioning your future self and staying committed to long-term goals. [21:15] - Sacrifice and Progress Andy discusses the necessity of short-term sacrifices to achieve financial freedom and the role of intentionality in making progress. [22:40] - Closing Thoughts The brothers wrap up with encouragement to prioritize improvement over perfection and take steps toward financial well-being in 2025. Takeaways: Time flies, and it's important to reflect on the past year. Decluttering physical and digital spaces leads to clarity. Financial behaviors often matter more than knowledge. Reviewing spending habits can reveal areas for improvement. Unsubscribing from unnecessary emails can reduce digital clutter. Budget reviews prepare for unexpected expenses. Increasing retirement contributions is a smart financial move. Celebrating small wins motivates continued progress. Forgiveness for past shortcomings allows for new beginnings. Seeking professional help can provide valuable guidance in financial planning. Sound Bites: "It's crazy to believe it's already here." "What do we really use?" "Celebrate the wins, but keep going." "You can start anew starting today." Contact Information: Bill Bush: bbush@horizonfg.com Andy Bush: abush@horizonfg.com

Ultimate XI
Episode 38: Andy Bush & Everton F.C.

Ultimate XI

Play Episode Listen Later Nov 28, 2024 54:20


Absolute Radio host and absolute legend Andy Bush is on the mic picking his Everton Ultimate XI. The broadcast luminary takes us back to the Toffees' golden era of First Division success with some of his selections, but also manages to sprinkle a delicious smattering of "Dudes can literally just sit around naming random footballers" which will certainly win over the Premier League purists. Headbutts and hedge funds, wildcard substitutions, and an ethereal Assistant Manager all combine to make an Ultimate XI that truly embodies the footballing heritage of the blue half of Merseyside. Get in touch with the podcast - Website: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ultimatexipodcast.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Email: ultimatexipodcast@gmail.com Show twitter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@Ultimate_XI⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Host twitter ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@Beng_Miller⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ (Music by ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Wataboi⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ from ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Pixabay⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠) Learn more about your ad choices. Visit podcastchoices.com/adchoices

Inside The Plan With The 401(k) Brothers

In this episode, Bill and Andy Bush discuss the differences between Roth and traditional retirement accounts, focusing on their tax implications, contribution limits, and the benefits of Roth accounts. They explore when to consider Roth contributions, the investment growth potential, and the impact of recent legislative changes on Roth accounts. The conversation emphasizes the importance of understanding these options for effective retirement planning. Chapters 00:00 – Introduction to Roth vs Traditional Accounts Bill Bush introduces the episode and reflects on revisiting the topic of Roth versus traditional retirement accounts. Mention of a memorable past presentation titled The Grapes of Roth, which highlights the benefits of Roth accounts. 03:07 – Understanding Roth Contributions and Tax Implications Andy Bush explains the analogy of an old TV commercial: "You can pay me now, or you can pay me later," as it relates to Roth versus traditional accounts. Overview of pre-tax contributions to 401(k) plans and the tax-deferred growth they offer. Explanation of how Roth contributions are made after taxes, leading to tax-free withdrawals during retirement. 05:51 – Roth IRA vs 401(k): Contribution Limits and Eligibility Bill and Andy discuss the introduction of Roth IRAs in the late 90s and the addition of Roth 401(k) options in 2006. Clarification of contribution limits for Roth IRAs and 401(k)s, and the income thresholds for contributing to a Roth IRA. Explanation that Roth 401(k) contributions have no income limits for eligibility as long as the plan allows them. 09:09 – When to Consider Roth Accounts Discussion of when it makes sense to choose Roth contributions, emphasizing younger employees in lower tax brackets. Situations where contributing to Roth accounts could be beneficial, such as planning for higher future tax rates or large future expenses. Insights into the strategic benefits for higher earners and those planning for estate purposes. 11:56 – Investment Growth and Tax Treatment of Roth Accounts Explanation of how Roth accounts grow tax-free and the advantages of not paying taxes on dividends, interest, or capital gains. Comparison between Roth accounts and taxable accounts, highlighting the ongoing tax implications of the latter. 15:11 – Roth Accounts and Retirement Planning Discussion of how Roth withdrawals in retirement do not count as taxable income, preserving Social Security benefits and avoiding Medicare surcharge thresholds. Example scenarios involving large purchases during retirement and how Roth distributions can be advantageous. 17:51 – Future of Roth Contributions and Legislative Changes Overview of the Secure Act 2.0 and its implications for Roth accounts, such as the elimination of RMDs for Roth 401(k)s. Explanation of future changes, including catch-up contributions for higher earners and the potential for employer Roth matches. Insight into how legislative changes have made Roth contributions more flexible and appealing. 21:09 – Conclusion and Legacy of Roth Accounts Reflection on Senator William Roth's legacy and the expansion of Roth account options over the years. Bill and Andy ponder whether William Roth foresaw the long-term impact of his contributions to retirement planning. Encouragement for listeners to reach out with questions and consider how Roth options fit into their retirement strategy.     Takeaways The difference between Roth and traditional accounts is primarily tax-related. Roth contributions are made after taxes, while traditional contributions are pre-tax. Roth accounts have been available since the late 90s, with 401(k) options added in 2006. Income limits apply to Roth IRAs but not to Roth 401(k) contributions. Roth accounts do not require minimum distributions during the account holder's lifetime. Younger employees may benefit more from Roth contributions due to lower tax brackets. Roth accounts allow for tax-free growth and withdrawals in retirement. Legislative changes are making Roth accounts more accessible and beneficial. Employer matches can potentially be made as Roth contributions. Understanding the implications of Roth accounts is crucial for effective retirement planning. Sound Bites "You can pay me now or you can pay me later." "The real answer is a guy's name." "Pay it once, you don't pay it ongoing." "Roth accounts are becoming more prominent." Resources www.horizonfg.com info@horizonfg.com  

STRONGER BONES LIFESTYLE: REVERSING THE COURSE OF OSTEOPOROSIS NATURALLY
Ep. 88: Lisa Cherry: Her Story - Reversing Osteoporosis

STRONGER BONES LIFESTYLE: REVERSING THE COURSE OF OSTEOPOROSIS NATURALLY

Play Episode Listen Later Nov 19, 2024 35:35


Welcome back to the Her Story: Osteoporosis series of the Stronger Bones Lifestyle Podcast. Join us as we dive into the world of bone health with women with a diagnosis of osteoporosis or osteopenia sharing experiences, insights, and strategies for leading a stronger life and taking control of their bone health.In today's episode host Debi Robinson welcomes Lisa Cherry to discuss her incredible journey of improving bone health through natural methods. Lisa has successfully transitioned her bone condition from osteoporosis to osteopenia by embracing lifestyle changes, and she shares her inspiring story with us.Lisa Cherry, from Huntsville, Alabama, was diagnosed with osteopenia and later osteoporosis after a DEXA scan ordered by her gynecologist. Uninformed about her diagnosis for years, she decided against medication like Fosamax. Instead, Lisa pursued alternative methods to strengthen her bones, including OsteoStrong sessions, a varied exercise routine, and significant dietary changes. Her commitment led to remarkable improvements in her bone quality and overall health, and she joins Debi to share the details of her transformative journey.Join Debi and Lisa as they discuss the importance of a balanced lifestyle, incorporating exercise without it dominating your life, and the benefits of yoga for flexibility and mental wellness. Lisa's story highlights the power of taking control of your health and making informed decisions, encouraging listeners to explore natural methods for reversing bone loss and strengthening their bones.Key  Takeaways:[4:24] Introduction to Lisa and her journey[11:53] Her physical movement changes[17:54] Her diet changes[20:28] Why she started documenting her journey on Instagram[23:45] Her gut health[25:31 Working with Dr. Andy Bush [28:20] YogaWhere to find Guest:InstagramMemorable Quotes:"I want this (my diagnosis) to be the best thing that ever happened to me.” [11:04] - Lisa"There's just so much involved with your bone health that you do on a day to day basis that you don't even realize.” [21:25] - Lisa"You cannot have healthy bones without a healthy gut.” [27:02]  - Debi"I want to exercise but I want to have a life too.” [27:50] - LisaTo learn more about me and to stay connected, click on the links below:Instagram: @debirobinsonwellnessWebsite: DebiRobinson.comLearn more about and join the Healthy Gut Healthy Bones Program 

STRONGER BONES LIFESTYLE: REVERSING THE COURSE OF OSTEOPOROSIS NATURALLY
Ep 87: Dr Andy Bush: A New Approach to Bone Health Part 3

STRONGER BONES LIFESTYLE: REVERSING THE COURSE OF OSTEOPOROSIS NATURALLY

Play Episode Listen Later Nov 12, 2024 25:20


Welcome back to the Stronger Bones Lifestyle Podcast. In Episode 87, host Debi Robinson sits down again with orthopedic surgeon and bone health expert, Dr. Andy Bush, to delve into the intricacies of diagnosing, treating, and managing bone health. From advanced diagnostic tools like REMS and DEXA scans to the often-overlooked importance of lifestyle choices, this episode is packed with insightful information you'll not want to miss.***********************To learn more and join the Stronger Bones Lifestyle Community click the link below:https://debirobinson.com/the-stronger-bones-lifestyle-community/Membership is free for 30 days and you will not be asked to enter a credit card. I look forward to meeting you there!!!***********************Dr. Andy, a bone health maverick, operates a bone center in Chapel Hill, North Carolina, where he empowers patients to take control of their bone health through innovative techniques and personalized care plans. Throughout the discussion, Debi and Dr. Andy tackle issues surrounding false positives in bone density tests, the limitations of standard medical interventions, and the critical need for a more comprehensive, lifestyle-focused approach to bone health.Join Debi and Dr. Andy as they explore how optimizing your bone health goes beyond simple calcium and vitamin D supplementation. They discuss the importance of digestion, nutrient absorption, and muscle strength in maintaining fracture-resistant bones.  Key  Takeaways:[3:04] The demand for rems and the issues with that[7:42] Vibration plates[11:04] Strontium[18:53] Can we reverse bone loss?[24:21] The perfect formula for breaking[25:40] Its not just one thing – gathering a team to help reduce bone lossWhere to find Guest:WebsiteMemorable Quotes:"If the muscle gets strong then the bone will be strong." [9:02] - Dr. Andy"The bone doesn't care what happened yesterday, your bones lives in the moment." [9:53] - Dr. Andy "We don't need gadgets we need to do something in our lives like stand on one foot when you're brushing your teeth." [11:00] - Debi"There are just so many areas we need to go to first to replacing the pill the doctor recommended with the next layer of pills." [15:24] - Debi"That's what we need in the bone health world is confidence and reassuring." [24:05] - Debi"If you sit and do nothing you're going to fracture. If you have no muscle you'll have no bone." [24:42] - Dr. Andy"Ignore your bone and it goes away." [25:03] - Dr. AndyTo learn more about me and to stay connected, click on the links below:Instagram: @debirobinsonwellnessWebsite: DebiRobinson.comLearn more about and join the Healthy Gut Healthy Bones Program  

STRONGER BONES LIFESTYLE: REVERSING THE COURSE OF OSTEOPOROSIS NATURALLY
Ep 86: Dr Andy Bush: A New Approach to Bone Health Part 2

STRONGER BONES LIFESTYLE: REVERSING THE COURSE OF OSTEOPOROSIS NATURALLY

Play Episode Listen Later Nov 5, 2024 33:03


Welcome back to the Stronger Bones Lifestyle Podcast! In Episode 86, host Debi Robinson delves into the complexities of osteoporosis management with esteemed orthopedic surgeon Dr. Andy Bush. Together, they explore advanced diagnostic tools like REMS technology and discuss personalized care approaches for those at high risk of osteoporosis.***********************To learn more and join the Stronger Bones Lifestyle Community click the link below:https://debirobinson.com/the-stronger-bones-lifestyle-community/Membership is free for 30 days and you will not be asked to enter a credit card. I look forward to meeting you there!!!***********************Dr. Andy brings his rich expertise to the podcast, shedding light on how traditional assessment models might not accurately reflect an individual's real-time health status, especially for active older adults. He emphasizes the importance of looking beyond statistical models and normative databases, advocating for more tailored and comprehensive patient evaluations.Join Debi and Dr. Andy as they discuss the nuances of bone health assessments, the limitations of standard screenings, and the potential of REMS technology. Dr. Andy's insights and Debi's experiences enrich the conversation, highlighting the need for accurate and empowering information around bone health.Key  Takeaways:[3:50] Fragility scores and other potential risk factors[8:35] Medications and what they do[14:39] The issue with the REMS database[25:47] Getting a baseline from REMS and using it for monitoring bone health[28:48] The word severe[31:21] What do women need to do after getting their REMS** For FULL show notes, please visit: https://debirobinson.com/episode86/ Where to find Guest:WebsiteMemorable Quotes:"If you have no muscle, you'll have no bone." [4:19] - Dr. Andy"We're gonna use that (REMS scan) as a baseline. And when you come in next year we'll see how you changed." [26:05] - Dr. Andy "There's so much that goes into the interpretation of the REMS." [30:55]  – Debi To learn more about me and to stay connected, click on the links below:Instagram: @debirobinsonwellnessWebsite: DebiRobinson.comLearn more about and join the Healthy Gut Healthy Bones Program Join the Stronger Bones Lifestyle Community today:

Hometime with Bush & Richie
Hometime - The One With Billy Crystal

Hometime with Bush & Richie

Play Episode Listen Later Nov 1, 2024 21:04


Andy Bush was joined by comedy legend & Hollywood royalty, Billy Crystal.Bush spoke to Billy about his 50 years, (that's half a century!) in show business. He asked him about everything from When Harry Met Sally, to voicing Mike Wazowski in Monsters Inc, to his brand new horror TV series, Before.

STRONGER BONES LIFESTYLE: REVERSING THE COURSE OF OSTEOPOROSIS NATURALLY
Ep 85: Dr Andy Bush: A New Approach to Bone Health Part 1

STRONGER BONES LIFESTYLE: REVERSING THE COURSE OF OSTEOPOROSIS NATURALLY

Play Episode Listen Later Oct 29, 2024 32:56


Welcome back to the Stronger Bones Lifestyle Podcast. In Episode 85, host Debi Robinson welcomes esteemed orthopedic surgeon Dr. Andy Bush to delve into groundbreaking advancements in bone health diagnosis and management. Together, they explore innovative techniques like REMS (Radiofrequency Echographic Multi Spectrometry) and discuss how these advancements are pivotal in more accurately assessing and managing bone fragility.Dr. Andy has a diversified background, transitioning significantly into bone health practice during the pandemic. He's known for integrating a holistic approach into his practice, which not only includes surgical interventions but also comprehensive lifestyle assessments and complementary therapies. During this episode, Dr. Andy highlights the limitations of traditional DEXA scans, revealing how the REMS technology he employs can offer a more detailed understanding of bone strength through a fragility score.Join Debi and Dr. Andy as they explore the pros and cons of current bone health diagnostics, and the importance of evaluating bone health beyond mere density. Key  Takeaways:[3:12] His bone health practice and background as orthopedic surgeon[5:49] The old fashioned way of medicine and how his practice works[9:18] REMS and DEXA scans[13:40] Stiffness index and fragility score[16:58] Disempowerment of DEXA [18:59] Working with bones[21:22] Bone structure[23:45] The forces of a fall[24:36] Why Dr. Andy uses the fragility score to assess bone healthWhere to find Guest:WebsiteMemorable Quotes:"That's why I like REMS, the fragility score, the ability to look at the structure of the bone not just the density." [15:55] - Dr. Andy"DEXA can be so disempowering and it pulls the rug out from some many women."  [16:58] - Debi"REMS can give you the same information that a CAT scan can as far as the structure of the bone." [27:05] - Dr. Andy"I think REMS gives us a tool that we can then use to give a better idea to somebody about what's happening because bone structure really is what determines fracture rise, density does not." [31:34] - Dr. Andy To learn more about me and to stay connected, click on the links below:Instagram: @debirobinsonwellnessWebsite: DebiRobinson.comLearn more about and join the Healthy Gut Healthy Bones Program 

Inside The Plan With The 401(k) Brothers

Summary: In this episode of Inside the Plan, Bill and Andy Bush (the 401(k) Brothers) share insights from a recent advisor conference in New Orleans, focusing on the challenges that different generations face in saving for retirement. They dive into the financial obligations affecting Millennials, Gen Xers, and Baby Boomers and discuss the importance of establishing emergency savings. The conversation also explores how early savings can significantly impact long-term retirement wealth. Additionally, the brothers emphasize the essential role of financial advisors and coaches in providing organization, accountability, and proactive support in financial planning. Chapters and Key Takeaways: 00:10 — Introduction and Conference Insights The episode opens with Bill and Andy reflecting on insights gained at a recent conference with financial advisors in New Orleans. The brothers set the stage by discussing the importance of helping people navigate their retirement savings challenges. 03:00 — Financial Obligations and Retirement Savings Millennials face the highest financial obligations (89% struggle with competing priorities). Emergency savings are a crucial barrier for all generations, with 25% of Baby Boomers still facing this issue. Gen Xers and Baby Boomers see lower percentages but still encounter challenges with emergency savings and other financial obligations. 05:56 — The Importance of Early Savings Early savings significantly impact retirement wealth. The earlier you start saving, the more those dollars multiply over your career. The brothers stress that even when dollars are stretched, making the most of employer 401(k) matches can create long-term financial benefits. 09:15 — Seeking Guidance and Financial Coaching Guidance from financial advisors is essential, especially for complex decisions involving retirement planning. Financial coaching helps with accountability and organization, ensuring that clients stay on track with their goals. Millennials and Gen Zers are more inclined to seek information online, but older generations still prefer face-to-face or personalized financial advice. 12:01 — The Role of Financial Advisors Many clients do not fully implement their financial plans—only 20% of recommendations are executed. A financial plan requires action to be effective. Bill and Andy explain that while creating a plan is valuable, consistent action and follow-up are key to success. 15:23 — Core Values of Financial Planning Objectivity from a financial advisor provides clarity, helping clients make sound decisions without the emotional bias that can come from handling finances alone. Partnership with a financial planner alleviates worries, providing clients with support and a trusted resource to guide them through financial decisions. Financial advisors offer six core values: organization, objectivity, proactivity, education, accountability, and partnership, all of which contribute to long-term financial success. 19:09 — Conclusion and Contact Information Bill and Andy wrap up the episode by encouraging listeners to reach out for personalized advice and assistance. They stress the importance of communication and building a strong partnership with a financial advisor. Sound Bites: "Emergency savings is a barrier for 25% of Baby Boomers." "89% of Millennials face financial obligations hindering savings." "Early dollars saved multiply over your working career."   Call to Action: If you're interested in organizing your finances or need help creating a retirement plan, reach out to Bill or Andy Bush at Horizon Financial Group: Bill Bush: bbush@horizonfg.com Andy Bush: abush@horizonfg.com Or visit horizonfg.com and use the contact button to get started.  

Inside The Plan With The 401(k) Brothers
Rules of Thumb & When to Break Them

Inside The Plan With The 401(k) Brothers

Play Episode Listen Later Sep 19, 2024 20:12


In this episode, the 401(k) Brothers—Bill and Andy Bush—discuss popular financial rules of thumb and how they may or may not apply to different retirement situations. They tackle everything from when to delay Social Security, avoiding 401(k) loans, the pros and cons of paying down your mortgage early, and more. This conversation is packed with insights that can help you navigate your personal retirement decisions, ensuring that these "rules" work for you, not against you.     Chapters & Time-Stamps: 00:00 - Introduction to Financial Rules of Thumb The 401(k) Brothers open the episode by introducing the topic of financial rules of thumb and explain why these generalized rules may not always be applicable to every retirement scenario. 01:00 - Delaying Social Security: Pros and Cons Bill and Andy discuss the first rule of thumb: delaying Social Security until age 70 for higher monthly payments. They delve into when it makes sense to follow this rule and when it's better to take Social Security earlier based on health, family history, or ongoing employment. "You don't know when the last grain of sand's going through your hourglass." – Andy 02:24 - Personal Considerations for Social Security The conversation continues with examples of how family longevity or terminal illness can influence the decision to take Social Security earlier rather than later. 03:10 - Working and Social Security They explain how working while claiming Social Security before full retirement age can reduce benefits due to the earnings test, and highlight why waiting until FRA can make a difference. 03:51 - 401(k) Loans: When to Avoid and When to Use Next up, Bill and Andy discuss the second rule of thumb: avoiding loans from your 401(k). They explain how 401(k) loans can stunt growth by interrupting compounding. However, they acknowledge there are rare situations, like significant emergencies, where it may be justified. 05:39 - Mortgage Management: Pay Down or Invest? The third rule of thumb: prioritizing paying off your mortgage. The hosts explore the impact of rising interest rates and how those with lower mortgage rates may benefit more from investing rather than paying off their mortgage early. 07:36 - Diversification in Investing: A Key Strategy Bill and Andy tackle the fourth rule: diversification. While younger investors can afford to take more risks, as retirement nears, it becomes essential to spread risk across various assets to protect your savings. 09:01 - Buy Low, Sell High: The Investment Mindset The fifth rule: buy low, sell high. The brothers explain why they're not market timers, emphasizing that investing should be tied to a long-term strategy and purpose rather than reactive decisions. 10:21 - The 4% Withdrawal Rule: Understanding Retirement Income Rule number six: the 4% withdrawal rule. Bill and Andy discuss its flexibility, stressing that it should serve as a guideline rather than a rigid rule. The longevity of one's retirement and market conditions can influence how much to withdraw safely. 13:37 - Maximizing Employer Contributions: A Smart Move The seventh rule of thumb: maximize employer matching contributions to your retirement savings plan. Bill and Andy emphasize this as “free money” and encourage listeners to take full advantage if possible. 14:35 - Hedging Against Inflation: Protecting Your Wealth They explore rule number eight: prioritizing hedges against inflation. The brothers share insights on how bonds, money market accounts, and stocks can help counteract inflation's impact over the long term. 15:33 - 100 Minus Age Rule: Stock Allocation Strategy The ninth rule: the 100 minus age rule, which suggests how much of your portfolio should be allocated to stocks. They express that this rule may be too conservative for younger investors and provide alternative approaches. 17:23 - Redefining Retirement: Beyond the End of Work The episode closes with the final rule: retirement is the end of work. Bill and Andy challenge this idea, offering a perspective that retirement can be a new beginning filled with purpose, hobbies, and personal growth. "Retirement is about living out your purpose in life." – Bill     Key Takeaways: Social Security: Delaying can boost your income, but personal health and financial needs might dictate a different approach. 401(k) Loans: Should generally be avoided to prevent interrupting growth, except in critical emergencies. Mortgage: Paying off your mortgage early depends on interest rates and whether that money could work better for you elsewhere. Diversification: Crucial as you near retirement to spread out risk. Investment Strategy: Stick to long-term goals rather than trying to time the market. 4% Rule: Useful as a guideline, but individual factors like longevity and income needs matter. Employer Contributions: Always maximize these if possible for free money toward your retirement. Inflation Hedge: Consider a mix of bonds, stocks, and other vehicles to keep up with inflation. Stock Allocation: Be more aggressive when you're younger but taper down as retirement approaches. Retirement Mindset: Retirement isn't the end of work but the beginning of a new phase in life.     Memorable Quotes: “You don't know when the last grain of sand's going through your hourglass.” – Andy “Retirement is about living out your purpose in life.” – Bill “There's risk everywhere, so spread it out as you get closer to retirement.” – Andy   Resources Mentioned: https://www.horizonfg.com  

Inside The Plan With The 401(k) Brothers
The Latest on Savings Rates

Inside The Plan With The 401(k) Brothers

Play Episode Listen Later Jul 9, 2024 17:28


In this episode of "Inside the Plan with the 401k Brothers," hosts Bill and Andy Bush, from Horizon Retirement Plans, a division of Horizon Financial Group, delve into the topic of savings rates influenced by findings from Vanguard and Fidelity related to participant behavior in retirement plans. They cover vital statistics on savings rates, the impact of inflation on savings behaviors, the benefits of starting early, and strategies for increasing savings rates over time.   Episode Highlights:   00:08: Bill introduces the podcast, highlighting its focus on savings rates and the importance of participation in retirement planning. He sets the stage for the episode's discussion on harnessing findings from record keepers to enhance personal savings strategies.   00:30: Andy greets listeners and emphasizes the value of comparing one's savings rates to averages to identify opportunities for adjustments, underscoring the concept of a "healthy comparison."   00:55: The hosts discuss recent reports from Vanguard and Fidelity, reflecting on the year 2023 and the first quarter of 2024. They highlight the average combined savings rate of 11.7%, based on Vanguard's analysis of employee contributions and employer match, over 1500 qualified plans and 5 million participants.   01:44: Bill corrects Andy on the savings rate percentage provided by Vanguard, emphasizing the accuracy of data in financial discussions and the goal of achieving a 15% savings rate when starting at an early age for a secure retirement.   02:24: The conversation shifts towards the inclusion of employer contributions in saving rates and the recommendation for individuals to strive for a 10 to 15% personal savings rate if feasible.   02:51: Fidelity's findings from the first quarter of 2024 are presented, showcasing a combined savings rate of 14.2% across 26,000 corporate plans, spotlighting the broad base of data supporting these findings.   03:37: Bill and Andy touch on the challenges that high inflation poses on savings, especially when wages do not keep pace, yet highlight that a significant portion of employees increased their savings rate in 2023 despite these challenges.   04:37: The discussion pivots to the thoughtful adjustments people make in response to economic pressures, including lifestyle changes that can free up funds for retirement savings.   05:12: The hosts underline an intriguing statistic from Vanguard that nearly 25% of participants deferred more than 10% of their earnings into their retirement plans, indicating a strong commitment to future financial security among a notable segment of savers.   06:00: Fidelity's report on the average deferral rate of 9.4% in the first quarter of 2024 is highlighted, reflecting a robust engagement in self-funded retirement savings among participants.   06:26: The significance of regularly reviewing and adjusting savings rates is underlined, with advice to capitalize on milestones such as the end of a car payment to increase retirement savings contributions.   08:46: Insights into how 401k plan design, including features like automatic enrollment and annual increases, have positively influenced saving behaviors over time, are shared.   Key Takeaways:   - Starting early and consistently contributing to your retirement plan, ideally aiming for a 15% savings rate, can significantly impact your financial security in retirement.   - Adjusting lifestyle choices and budgets in response to economic conditions, like inflation, can enable individuals to maintain or even increase their savings rates over time.   - Regularly reviewing and potentially adjusting your savings rate in response to life changes or during annual financial reviews can help ensure that your retirement savings strategies align with your long-term goals. - Features like automatic enrollment and automatic contribution increases in 401k plans have been instrumental in boosting overall savings rates and should be leveraged by participants to optimize their retirement savings efforts.   Tweetable Quotes: - "In our industry, savings rates are a beacon, guiding us towards our retirement goals." – Bill   - "The power of compounding is the eighth wonder of the world. Start saving now." – Andy   Resources Mentioned: - https://www.horizonfg.com/

Inside The Plan With The 401(k) Brothers
Managing Retirement Expectations

Inside The Plan With The 401(k) Brothers

Play Episode Listen Later May 20, 2024 16:56


In this enlightening episode, Bill and Andy Bush of Horizon Retirement Plans delve into the intricacies of planning for retirement, sharing personal anecdotes and professional insights. The brothers discuss expectations versus reality in retirement planning, the impact of health and work dynamics on retirement age, and strategies for ensuring a fulfilling and financially secure retirement. Episode Highlights: - **00:00:08:** The episode kicks off with introductions and a heartwarming recount of the Bush brothers taking their mother to the Kentucky Derby, setting a personal tone while hinting at the broader theme of family and retirement. - **00:01:10:** The conversation shifts to the reality of aging and health as they compare their active mother to their slower-pacedbretired father, introducing the episode's core topic of retirement expectations. - **00:02:01:** Bill and Andy discuss how most people's retirement age expectations do not align with reality, citing a significant statistical deviation discovered by the Employee Benefit Research Institute. - **00:03:12:** The importance of understanding Social Security's full retirement age is highlighted, pointing out common misconceptions and the reasons people might retire earlier than planned, often due to health or unexpected job changes. - **00:05:00:** Delving into the reasons people retire early, the dialogue covers health issues, family care responsibilities, and company downsizing, emphasizing the unpredictability of work and health on retirement plans. - **00:05:58:** The brothers advocate for having a backup plan including disability insurance and saving aggressively, aiming for two years of expenses in a liquid account as a cushion for market downturns. - **00:07:41:** Discussion about those who retire on their own terms, contrasting full retirement with partial retirement and examining reasons for continuing to work that range from financial needs to personal fulfillment. - **00:09:26:** Exploring motivations behind part-time work post-retirement, distinguishing between working out of necessity versus desire, indicating a trend toward seeking engagement and fulfillment even in later years. - **00:12:03:** The episode wraps up with an exploration of transitioning to retirement, emphasizing the need for purpose, proper use of time, socialization, and health management to make retirement fulfilling, borrowing concepts from JP Morgan's PUSH framework. Key Takeaways: 1. Retirement expectations often do not match reality, with many retiring earlier due to health or employment changes. 2. Planning for retirement requires considering health insurance, adequate savings, and the timing of Social Security benefits. 3. Partial retirement and part-time work can offer financial flexibility, purpose, and social engagement, enhancing the retirement experience. 4. Purpose, use of time, socialization, and health (PUSH) are crucial for a fulfilling retirement, suggesting retirees need to plan not just financially, but holistically.   Tweetable Quotes: - "Most people's retirement age expectations don't align with reality - plan not just for the when, but also for the unforeseen whys." - Bill and Andy Bush - "Retirement is more than just financial planning; it's about crafting a life that continues to bring purpose, joy, and health." - Bill and Andy Bush   Resources Mentioned: - https://www.horizonfg.com/

Inside The Plan With The 401(k) Brothers
The Derby and a Few Pivots

Inside The Plan With The 401(k) Brothers

Play Episode Listen Later Apr 29, 2024 16:06


In this thought-provoking episode, brothers Bill and Andy Bush of Horizon Retirement Plans share their insights on investment strategies, the value of diverse asset allocation, the underutilized potential of HSAs (Health Savings Accounts), and the link between financial literacy and wellness. The episode, rich with analogies from horse racing and personal anecdotes, guides listeners through a comprehensive journey of financial preparedness and strategic planning. Episode Highlights - **00:00:08 - Introduction of the Hosts:** Bill and Andy Bush, the 401k Brothers, introduce themselves and set the stage for the episode, touching on their familial connection and the unique perspective they bring to the financial world. - **00:00:30 - Tradition of the Kentucky Derby:** The brothers discuss their annual tradition of attending the Kentucky Derby, providing a glimpse into their personal lives and interests outside of finance. - **00:01:05 - Adding a Family Touch to the Derby:** They share plans to bring their mother to the Kentucky Derby for the first time, delving into the significance of family and memorable experiences. - **00:02:09 - The Performance Derby in Investments:** A clever transition from horse racing to investment strategies introduces the concept of the "performance derby," emphasizing the importance of consistent, long-term investment planning over seeking quick wins. - **00:03:12 - Asset Allocation and Diversification:** The discussion delves deeper into the mechanics of asset allocation, comparing the unpredictability of top-performing asset classes to the changing leaders in a horse race, advocating for a diversified investment approach. - **00:06:46 - Zooming Out for a Broader Perspective:** The brothers advise on the importance of a long-term outlook on investments, likening it to viewing the entire track of a horse race to understand the full context. - **00:06:56 - Health Savings Accounts (HSAs) as a Retirement Vehicle:** Andy introduces HSAs, explaining their benefits and how they can complement retirement planning, stressing the tax advantages and potential for investment growth. - **00:09:29 - Investing HSA Contributions for Growth:** Further exploration into how leveraging HSAs for investment rather than simply as savings accounts can significantly impact retirement preparedness. - **00:11:47 - Financial Literacy's Impact on Wellness:** The brothers discuss findings from a recent survey linking financial literacy to reduced financial stress and improved well-being, advocating for education and proactive financial planning. - **00:14:47 - Wrap-Up and Sign-Off:** The episode concludes with reflections on their upcoming Derby visit and a reiteration of the key financial insights shared throughout the discussion. Key Takeaways   Importance of Tradition and Family: Integrating personal experiences with professional insights can enrich life's journey. "Performance Derby" Analogy: Consistency and long-term strategic planning in investments can outweigh the allure of short-term wins.  Diversified Asset Allocation: Emphasizing the significance of diversification to mitigate risks and optimize returns over time. Utilizing HSAs for Retirement Planning: HSAs offer triple tax advantages and can be a crucial component of a comprehensive retirement strategy. Financial Literacy as a Pillar of Wellness: Knowledge and application of financial literacy can greatly reduce stress and improve overall financial health.   Tweetable Quotes - "Financial literacy is not just about knowing; it's about planning, executing, and thriving." - Andy - "In our financial performance derby, slow and steady wins the race. Diversification is key." - Andy - "An HSA is not just a saving tool; it's a strategic asset for your retirement." - Bill Resources Mentioned: - https://www.horizonfg.com/

Inside The Plan With The 401(k) Brothers

In this episode of "Inside the Plan with the 401(k) Brothers", hosted by Bill and Andy Bush, the hosts discuss the impact of inflation on household budgets and the psychology of spending and saving. They touch upon various points made by financial writer Morgan Housel, exploring the two ways money can be used: as a tool for a better life or as a yardstick for measuring status.   Episode Highlights: ·         01:26: The hosts delve into how inflation is impacting household budgets, shedding light on the challenges rising prices pose to personal finances and purchasing power. ·         02:54: Despite a slight cooldown, the hosts note that prices aren't dropping rapidly. The conversation highlights recent news about inflation surpassing expectations and its continued effects. ·         05:29: The hosts discuss the struggles of their college-bound children in a high-inflation era, especially regarding the increasing cost of groceries from their personal experiences. ·         07:44: Building on Morgan Housel's insights, the hosts explore the psychological side of spending. Money is viewed as both a tool for a better life and a status measure, prompting a discussion on mindful financial habits. ·         09:43: Referencing Warren Buffett's wisdom, the hosts discuss money's dual role as a yardstick for status. They stress the importance of striking a balance between spending and saving for a secure financial future. ·         11:16: The conversation shifts to the psychology of desire and scarcity, exploring how the longing for what can't be had influences consumer behavior and perceptions. ·         14:56: Introducing the concept of discerning between "nice" and "fancy" purchases, hosts advocate for considering the value and utility of acquisitions rather than focusing solely on price tags. ·         16:37: Reflecting on the relative nature of wealth, the conversation explores the dangers of constant comparison. The importance of gratitude and contentment with one's financial situation is highlighted. ·         18:32: The hosts emphasize the need for balance between immediate enjoyment and saving for the future, underscoring the significance of making mindful financial decisions. ·         20:49: Introducing the concept of hormesis, the hosts discuss its application to personal finance. They draw parallels between applying stressors for financial growth and maintaining a healthy lifestyle. ·         22:56: The hosts reiterate the need for balance and emphasize the importance of maintaining a healthy financial balance for overall well-being.   Key Points: 1.    The hosts discuss the challenges posed by inflation on household budgets, emphasizing its impact on personal finances. 2.    Exploring insights from Morgan Housel, the hosts delve into the psychological aspects of spending and saving, emphasizing the dual nature of money as a tool and a status measure. 3.    Throughout the conversation, the hosts stress the importance of finding a balance between present enjoyment and future financial planning, advocating for mindful spending and savings.   Tweetable Quotes: ·         "Inflation isn't just numbers on a chart; it's shrinking personal budgets. Your dollar won't stretch as far as it used to." - Bill ·         "Comparison can be a motivator or a joy thief. Cultivate gratitude for where you are and aspire wisely." - Andy ·         "Nice stuff vs. Fancy stuff: Understand the value, not just the price tag. Your choices reflect your financial health." - Andy   Resources mentioned: ·         Horizon Financial Group

Inside The Plan With The 401(k) Brothers

In this episode of "Inside the Plan with the 401(k) Brothers", hosted by Bill and Andy Bush, the hosts discuss the intersection of behavior, savings, and retirement mindset. They delve into a tool called The Passport® available on the Horizon website, addressing mindsets in various aspects of life, including finances. The conversation is inspired by a piece from Goldman Sachs, exploring optimal mindsets that contribute to better retirement savings.   Episode Highlights: ·         02:58: The speaker discusses findings related to retirement and behavioral factors affecting it, focusing on optimism and future orientation. ·         04:02: Saving for retirement is compared to building habits, emphasizing the need for regular efforts. ·         05:08: Four behavioral factors affecting retirement are discussed: optimism, future orientation, risk-reward orientation, and financial literacy. ·         06:27: The importance of understanding individuals' backgrounds and environments in financial literacy discussions is mentioned. ·         07:24: Top 10 takeaways from a survey are shared, starting with the disconnect between retirement intentions and savings outcomes. ·         08:46: The correlation between optimal behaviors (optimism, future orientation, etc.) and easier retirement preparation is discussed. ·         09:53: Optimistic individuals tend to take more action, emphasizing the importance of proactive financial planning. ·         10:55: Savers threatened by the financial vortex seek professional help, showing interest in automatic features and guaranteed income options. ·         12:14: Savers with lower financial literacy are more action-oriented, highlighting the need for informed actions with financial education. ·         13:40: Traits common in vulnerable savers include low optimism, low future orientation, low financial literacy, and a risk-focused mindset. ·         15:20: Product preferences align with retirement mindset, with action-oriented individuals seeking a broader range of services and tools. ·         16:46: A positive view of the future reinforces motivation to save, emphasizing the importance of knowing what you're saving for.   Key Points: 1.       The podcast highlights four key behavioral factors influencing retirement planning: optimism, future orientation, risk-reward perspective, and financial literacy. 2.       The importance of aligning intentions with actual savings outcomes is emphasized, suggesting that one's mindset towards the future impact's retirement preparedness. 3.       The discussion covers the significance of taking proactive actions aligned with a positive outlook, the role of future orientation in saving more, and the impact of financial literacy on informed decision-making for retirement planning.   Tweetable Quotes: ·         "Financial literacy is the compass for retirement readiness – understanding the basics lays the foundation for informed decisions and effective actions in securing your financial future." ·         "Risk and reward evolve with age – recognizing the importance of asset classes over time helps navigate the balance between security and achievement in pursuing financial goals." ·         "The most vulnerable savers share common traits – low optimism, future orientation, financial literacy, and a focus on risk over reward. Building resilience starts with addressing these key factors."   Resources mentioned: Your Expansion Passport® Your Walkaway Passport® Retirement Mindset Matters

Star Power Cast
Episode 35: Andy Bush and the Hall of Fame

Star Power Cast

Play Episode Listen Later Jan 4, 2024 109:02


We are pleased to have the one and only Andy Bush on our show for this episode.  Andy is a radio presenter for Absolute Radio  in the UK, and he hosts a few podcasts himself.  Enjoy!

Inside The Plan With The 401(k) Brothers
Your Year-End Financial Checklist

Inside The Plan With The 401(k) Brothers

Play Episode Listen Later Dec 7, 2023 23:54


In this episode of "Inside the Plan with the 401(k) Brothers", hosted by Bill and Andy Bush, the hosts discuss a year-end financial checklist to help listeners maximise benefits for the current year and prepare for the next. The discussion includes insights on upcoming changes in contribution limits for 2024 and highlights key considerations for individuals to review in their financial lives before the year concludes.   Episode Highlights: ·         01:52: The hosts start discussing the first category: taxes. They emphasize the consideration of deductions to maximize benefits for the year, mentioning options like contributing more to retirement plans or utilizing IRAs and Roths. ·         04:36: The hosts touch on the uncertainty of future tax rates and mention that the current rates are set to sunset in 2025. They highlight the potential for changes in tax brackets and advise listeners to consult with their CPA or accountant for accurate information. ·         05:30: Moving to the investment category, the hosts discuss the importance of reviewing asset allocation during the year-end. They briefly mention the concept of gifting to family members, including the annual limit of $17,000 and the need to file gift tax paperwork for amounts exceeding this limit. ·         06:19: The hosts begin discussing the investment side of the checklist, focusing on asset allocation and the potential need for rebalancing due to volatility in the past year. ·         07:05: Further details on the investment side include reviewing outstanding loans and mortgages, revisiting income and savings needs, and considering dividend distributions, emphasizing the tax implications of such distributions. ·         09:13: The hosts suggest self-employed individuals consider opening a retirement plan and highlight the potential tax advantages. They also mention tax breaks for businesses with under 100 employees, especially under 50, regarding retirement plans. ·         10:19: Moving on to the insurance category, the hosts recommend reviewing insurance plans, including property and casualty, and life insurance. They emphasize the need to adapt coverage to changing life circumstances. ·         13:40: The hosts discuss milestones, focusing on specific ages and corresponding financial considerations, such as catch-up contributions, Social Security decisions, and required minimum distributions (RMDs). ·         16:18: Health-related considerations, including open enrolment, reviewing health plans, and understanding flexible spending accounts (FSAs), are covered in the health category. ·         19:41: In the family category, the hosts recommend contributing to education accounts, considering 529 plans, and making charitable contributions, including qualified charitable distributions (QCDs) for RMDs. ·         21:54: The hosts conclude by encouraging a holistic approach to financial planning, considering both short-term and long-term opportunities. They stress the importance of clear thinking and planning beyond immediate concerns.   Key Points: 1.    The hosts discuss a comprehensive checklist covering taxes, retirement, investments, insurance, milestones, health changes, family, and life changes. 2.    Emphasis on maximizing deductions, contributing to retirement plans, tax loss harvesting, and considering potential changes in tax rates. Consultation with a CPA is recommended. 3.    Retirement actions key points include maximizing 401(k) contributions, exploring Social Security filing strategies, and considering additional retirement plans for the self-employed.         Tweetable Quotes: ·         "Year-end financial planning is like a short-term roadmap, but don't forget to zoom out and plan for the next three years—think holistically about your life and financial goals." ·         "Consider tax strategies like maximizing deductions, retirement actions such as optimizing 401(k) contributions, and thoughtful gifting to family members within the annual limit for a well-rounded year-end financial plan." ·         "Reviewing insurance, milestones, health changes, and family matters in your year-end checklist can ensure you're financially prepared and protected. Consult with professionals for accurate advice tailored to your situation."     Resources Mentioned ·          Horizon Financial Group ·          Last Chance Financial Checklist ·          2023 Key Financial Data

Rock 'N' Roll Football with Matt Forde and Matt Dyson
RNR Football - Trevor Steven chats to Andy Bush

Rock 'N' Roll Football with Matt Forde and Matt Dyson

Play Episode Listen Later Nov 25, 2023 8:29


Everton and Rangers legend Trevor Steven sits down with Andy Bush, to discuss the controversial points deduction for Everton and Trevor's mental health campaign work.

Inside The Plan With The 401(k) Brothers
Planning Ahead for 2024

Inside The Plan With The 401(k) Brothers

Play Episode Listen Later Nov 15, 2023 17:26


In this episode of "Inside the Plan with the 401(k) Brothers", hosted by Bill and Andy Bush, the hosts provide insight about the contribution limits of 2024 to know what you're getting into for the upcoming year which IRS announce every year around this time.   Episode Highlights: ·         01:04 Discussion on inflation-indexed contribution limits, highlighting that most plans saw an approximate $500 increase from 2023 to 2024, with 401K plans moving from $22,500 to $23,000. ·         02:13 No change in catch-up contributions for 2023 and 2024, remaining at $7,500, leading to a total limit of $30,500 for eligible participants in 401K, 457, and certain 403 B plans. ·         04:10 Individual IRA limits also rose by $500 to $7,000 for 2024, and the catch-up contribution remained at $1,000, totaling an $8,000 potential contribution for those turning 50. ·         05:08 Eligibility for contributing to a Roth IRA in addition to a 401K depends on modified adjusted gross income (AGI). In 2024, single individuals earning less than $146,000 or married couples filing jointly earning less than $230,000 can contribute to both. ·         06:49 For traditional IRAs, if you're covered by a retirement plan at work, the deductible contribution income limits are lower: less than $77,000 for singles and less than $123,000 for married filing jointly. ·         07:23 Contributions to a traditional IRA without tax deductions must be tracked as after-tax contributions to ensure taxes are not paid upon withdrawal for the contribution amount. ·         08:52 The hosts reflect on the tendency of individuals to focus on financial planning towards the end of the year, emphasizing the importance of progress towards a secure financial life. ·         11:22 The hosts suggest stepping back to gain perspective on one's financial journey and the importance of planning, rather than only dealing with day-to-day needs. ·         12:53 The hosts discuss the passport package for self-assessment, highlighting different mindsets between those under and over 45 years of age. The assessments are based on the work of Carol Dweck on growth versus fixed mindsets. ·         14:22 They introduce the Horizon Financial Group's website where listeners can take the passport assessments – 'Expansion Passport' for those under 45 and 'Walkaway Passport' for those over 45. ·         15:56 The hosts encourage listeners to step back from daily life and evaluate their mindsets, suggesting this tool can aid in identifying areas for growth.     Key Points: 1.    For 2024, the contribution limits for 401K plans have increased by $500 from the previous year, now standing at $23,000, with the catch-up contribution remaining at $7,500, making a total of $30,500 possible for those eligible. 2.    Individuals with a modified AGI below specific thresholds can contribute to a Roth IRA in addition to their 401K. 3.    The hosts emphasize the importance of assessing one's financial mindset and introduce a self-assessment tool called the passport package, which helps individuals gauge their financial health and progress towards goals, with distinct versions for those under and over 45 years of age.     Tweetable Quotes: ·         "Get ready for 2024! Most 401(k) plans are upping the ante with contribution limits increasing by about $500. Time to max out your financial growth!” ·         "Whether you're aiming for a Roth IRA or sticking to traditional, knowing your AGI can unlock new opportunities for your retirement contributions in 2024.” ·         "End the year strong by reflecting on your financial journey. Take the 'passport' to assess your mindset – are you growing or just going with the flow?”     Resources Mentioned ·         Horizon Financial Group

Hometime with Bush & Richie
The One That Has Breaking News

Hometime with Bush & Richie

Play Episode Listen Later Oct 18, 2023 15:47


Andy Bush is back with his recent breaking news along with a bunch of listeners and discusses working out what the symbols on your washing machine mean.

Hometime with Bush & Richie
The One That Plays The Knocking On Doors Game

Hometime with Bush & Richie

Play Episode Listen Later Oct 17, 2023 9:49


Andy Bush is feeling caffeinated and wants to know what you called the game where you knock on doors and ran away where you were from!

Hometime with Bush & Richie
The One At The Suede Gig

Hometime with Bush & Richie

Play Episode Listen Later Oct 16, 2023 16:25


Andy Bush is on the hunt for those happy moments that turned sad plus there is Big Coat Protocol chat to be had!

Inside The Plan With The 401(k) Brothers
The Financial Decision Sweet Spot

Inside The Plan With The 401(k) Brothers

Play Episode Listen Later Sep 18, 2023 17:56


In this episode of "Inside the Plan with the 401(k) Brothers", hosted by Bill and Andy Bush, the hosts provide insight into the hosts' their experiences with money and financial responsibility, highlighting the values they learned from their upbringing.   Episode Highlights ·         02:08: Bill and Andy emphasize that nothing was ever handed to them, and they had to go out and earn their own money from an early age. ·         03:57: Bill and Andy highlight their commitment to making prudent financial decisions and investing in their own assets, such as their home, as a long-term financial strategy. ·         04:46: This segment of the episode touches on the importance of timing in financial decision-making and how individual circumstances and perspectives can affect stress levels and financial choices. ·         05:28: The hosts discuss the intriguing age range of 53-54 mentioned in the Wall Street Journal article as the time when people tend to make their best financial decisions. They express curiosity about why this particular age range is considered optimal for financial decision-making. ·         06:21: Bill talks about the evolution of financial decision-making as individuals grow older and gain a better understanding of the complexities and risks associated with financial choices. ·         06:48: The hosts mention that people make fewer mistakes at this age because they have accumulated a significant amount of life experience and knowledge over the years. This learning process has become deeply ingrained in their decision-making. ·         07:52: Bill and Andy acknowledge the importance of recognizing that one's "runway" in life is not as long as it once seemed, prompting a desire to get their financial affairs in order, particularly in preparation for retirement. ·         09:10: The hosts discuss their experiences with market ups and downs, emphasizing the importance of learning from these experiences. ·         10:13: The hosts emphasize that people often underestimate how long they will live, and they stress the importance of planning for a potentially lengthy retirement. They highlight that retiring at 65 could mean having 30 years of retirement life ahead, so financial planning should account for extended longevity. ·         11:43: Bill and Andy advise increasing retirement contributions, especially when major debts, such as car loans or credit card debt, are paid off. This ensures that extra funds are directed toward building a more substantial retirement nest egg. ·         13:57: The idea of making thoughtful financial choices that align with one's current and future priorities, particularly as individuals approach retirement and experience changes in their life circumstances. ·         14:04: The hosts wrap up the discussion by highlighting the article from the Wall Street Journal titled "The Exact Age When You Make Your Best Financial Decisions." They recommend it as a quick and worthwhile read for gaining insights into the topic. ·         15:34: Bill and Andy emphasize the importance of preparing for the next several years, including the next five, ten, and fifteen years. They acknowledge that financial mistakes are inevitable, but with wisdom and preparedness, individuals can recover more quickly from setbacks and avoid taking excessive risks.         Three Key Points 1.    The hosts discuss their decision to stay in their current house instead of selling and moving to a more expensive place, highlighting how such a decision reduced potential stress levels. They reflect on how everyone experiences stress differently based on their circumstances and perspectives. 2.    People in their 50s have likely experienced market downturns and economic challenges, which can be valuable learning experiences. Younger investors may not have encountered such financial setbacks, whereas those in their 50s have had the opportunity to learn from past market fluctuations. 3.    Bill and Andy highlight the value of resources like the Wall Street Journal article and the importance of continued learning and financial awareness, especially as individuals navigate their "runway decade" leading up to retirement.     Tweetable Quotes ·         “In their teens and 20s, Bill and Andy were more idealistic and less understanding of how things work. They describe this phase as a time of having false hope and engaging in what they call "magical thinking," where they believed things would work out without fully realizing the risks involved.” ·         “By the time people reach their 50s, they often no longer feel the need to impress others. Instead, they focus on personal improvement and making choices that enhance their own lives.” ·         “Market experiences can be valuable lessons and that maintaining a balanced perspective on investment is crucial.”     Resources Mentioned ·         Horizon Financial Group

Inside The Plan With The 401(k) Brothers
Preparing for the Season!

Inside The Plan With The 401(k) Brothers

Play Episode Listen Later Aug 21, 2023 18:49


In this episode of "Inside the Plan with the 401(k) Brothers", hosted by Bill and Andy Bush, the hosts discuss various topics including the hot weather of August, the anticipation of cooler weather, and the upcoming football season. They mention the excitement for college football, particularly focusing on the LSU Tigers and their strong performance last season. Bill and Andy discuss the unpredictable nature of life and draw parallels between unforeseen events in sports and retirement planning.   Episode Highlights ·         01:57: The hosts draw a parallel between this anticipation for football and the anticipation that individuals have for retirement. ·         02:41: People often look forward to specific events, such as counting down the weeks to certain occasions. Bill and Andy emphasize the importance of anticipation in both football and retirement planning. ·         02:48: Bill and Andy reiterate their high hopes for LSU's success in the upcoming season, highlighting that these hopes are shared not only by fans but also by Coach Kelly, the coaching staff, and the players. ·         04:12: Even when individuals are healthy and making good decisions, unexpected things can still occur. ·         04:47: Retirements, like football seasons, don't always go as planned, and individuals may face situations that necessitate continued work. Some retirees might need extra income or insurance, prompting them to stay employed. ·         05:30: The hosts emphasize the need to balance high hopes and optimism with a dose of reality. They stress that planning should account for potential setbacks and challenges, and individuals should be prepared for things not going perfectly. ·         06:40: Bill and Andy emphasize the need for individuals to have financial advisors who can identify blind spots and guide them through their financial journey, much like a football coach guiding players on the field. ·         07:24: Just as a football team needs to strike a balance between aggressive and conservative plays, individuals should aim to strike a balance between growth and security in their investment approach. ·         09:00: Bill and Andy compare football plays to investment choices, highlighting that overly conservative or overly aggressive approaches can lead to unfavorable outcomes. ·         11:02: Just as a football game requires a well-rounded game plan, a fulfilling retirement requires careful consideration of various elements that contribute to a well-rounded and purposeful life. ·         12:24: The hosts mention their mother's active social life as an example of how staying engaged with family and friends contributes to a vibrant retirement. ·         14:02: Bill and Andy discuss the concept of control in retirement planning, comparing it to the control that football players have over their game and performance. ·         16:05: Bill and Andy emphasize the importance of having purpose and activities in retirement beyond just financial planning, drawing parallels to the enjoyment of leisure activities and social interactions. ·         17:08: The hosts reiterate the importance of having a plan for retirement, just like a football team has a game plan. They emphasize the need to consider both the high hopes and potential challenges that retirement may bring.       Three Key Points 1.    Just as a sports team must have contingency plans for unexpected challenges, individuals need to account for unforeseen circumstances in their retirement plans. 2.    Bill and Andy highlight the importance of diversification, managing risk, and balancing growth potential with security. 3.    Bill and Andy highlight the multi-faceted nature of retirement planning, where financial preparation, risk management, and quality of life considerations all play crucial roles, similar to the various elements in a football game plan.     Tweetable Quotes ·         “Sense of anticipation underscores the importance of planning for retirement, just as fans eagerly await the start of a football season.” – Bill ·         “Just as a football team doesn't simply show up on the first day of the season without prior preparation, individuals also need to engage in forward-thinking and planning to ensure a successful retirement.” – Bill ·         “Learning from mistakes and being open to adjustments are key to both successful football strategies and effective retirement planning.” – Andy ·         “Retirement could last for decades, and individuals need to plan for potentially living well beyond average life expectancies.” - Bill     Resources Mentioned ·         Horizon Financial Group

The Ken Carman Show with Anthony Lima
Garrett Bush talks the importance of a new Browns Stadium

The Ken Carman Show with Anthony Lima

Play Episode Listen Later Jul 21, 2023 13:27


Garrett Bush of 92.3TheFan joins Anthony Lima and Andy Bush this morning. He builds his perfect NFL owner, states the importance of a new Browns Stadium and what it will take to get there.

How To DJ
Andy Bush

How To DJ

Play Episode Listen Later Jul 21, 2023 38:21


Andy Bush began his DJ journey somewhat accidentally, without any prior interest in radio. After university, he moved to Bristol to play in a band and took on a day job at BT to pay the bills. One day, during his lunch break, he stumbled upon a careers fair in Clifton where they were advertising for Traffic News readers. Despite not being a driver, he saw it as a unique opportunity and recorded a demo on a cassette tape. Surprisingly, he got the job and this marked his start in radio, around the year 2000. Working for a company called Traffic Link in Bristol's Evening Post building, Andy had the chance to dial into various shows throughout the day. This experience provided him with valuable knowledge and skills in radio, particularly in understanding the direction of a piece and supporting the presenter, as opposed to going off track. He also learned the importance of concise delivery and being mindful of time constraints. Thus, Andy's radio career began unexpectedly, but it set him on an adventurous path in the world of broadcasting. Learn more about your ad choices. Visit megaphone.fm/adchoices

Inside The Plan With The 401(k) Brothers
We Hear From the Younger Voices

Inside The Plan With The 401(k) Brothers

Play Episode Listen Later Jul 10, 2023 21:42


 The podcast "Inside the Plan with the 401K Brothers" is hosted by Bill and Andy Bush. In this particular episode, they have invited special guests who are young individuals in their early and mid-twenties: Robert Burke, Kaitlyn Williamson, and Savannah Henry. The hosts believe it's important to discuss retirement savings with younger generations and bring fresh perspectives to the topic. They acknowledge that people may be tired of hearing from older individuals like themselves and believe it's valuable to hear from younger voices.   Episode Highlights §  01:38: The hosts ask the guests, particularly Robert, about their thoughts and perceptions on saving for retirement, considering they are just starting their careers. §  02:13: Robert, who has been working for almost two years, shares that he has noticed a lack of financial literacy among his generation. §  02:33: Robert mentions that while TikTok can be a source of both good and bad information, he believes that being in a place like Horizon provides him with reliable education and guidance on the right way to save for retirement. §  03:57: The lack of financial literacy can lead young people to believe they are making the right decisions when, in reality, they may be making mistakes. §  04:32: The hosts mention a personal anecdote about their own experiences with retirement savings early in their careers. §  05:47: The specific investment choices within the plan are not as critical as the savings rate itself. §  06:40: The guest emphasizes the importance of at least contributing enough to receive the employer match in a 401(K) plan. §  07:58: Savannah shares her experience of having two previous jobs, where she simply checked the box and contributed a certain percentage to the retirement plan without much thought or awareness. §  09:00: Savannah shares that her dad played a significant role in emphasizing the importance of maximizing her contributions. She acknowledges the lack of financial education in high school and college but expresses gratitude for her father's guidance, even though, at times she felt overwhelmed by the advice. §  09:59: Bill and Andy discuss the importance of budgeting and how it can be a challenging adjustment for someone entering the workforce. §  11:30: The guest mentions the shift in mindset from wanting unnecessary things to prioritizing essential expenses such as car insurance and gas. Bill and Andy highlight the importance of discerning between wants and needs and making conscious spending decisions. §  13:11: Kaitlyn discusses the use of technology in personal finance, mentioning the use of budgeting sheets and saving money. §  13:15: Kaitlyn highlighted the importance of retirement plans and the value of having a financial advisor to guide one's financial decisions and ensure money is allocated appropriately. §  16:32: Kaitlyn mentioned that she has heard conflicting opinions about whether to take risks when young or avoid them until later in life. §  17:26: Kaitlyn mentioned that her parents have been supportive and helped cover many of her expenses, so the idea of being responsible for rent, phone bills, insurance, car payments, and other costs is daunting. §  20:22: Andy and Bill encouraged young professionals to be curious, ask questions, and seek out resources to improve their financial literacy.     Three Key Points 1.    Adopting a passive investment philosophy, rather than an active approach, tends to work better because paying too much attention to the market can lead to more losses than gains. 2.    Bill and Andy discuss the challenges and responsibilities that come with entering adulthood, such as managing bills, rent, insurance, and retirement plans. 3.    Andy and Bill emphasized that it's okay to admit when one doesn't understand something and that asking questions is crucial in the learning process.     Tweetable Quotes §  "Financial education is not commonly taught in high school or college. Working in the industry has changed his perspective on the importance of starting to save for retirement at an early age." - Robert §  "Creating positive financial habits now will benefit your future self." - Robert §  "Financial literacy is not just taught in school, it's a lifelong pursuit. Be proactive in improving your knowledge." - Savannah §  "Your financial journey begins with saving and budgeting. Take control of your expenses and prioritize your goals." - Kaitlyn §  "Embrace curiosity, learn about investments, and make informed decisions for your financial future." - Bill §  "Consult with a qualified financial professional for personalized advice tailored to your unique circumstances." - Andy

The Dave Berry Breakfast Show
Breakfast - Moths Love Ska

The Dave Berry Breakfast Show

Play Episode Listen Later Jun 15, 2023 29:56


This morning, Dave is off ill so Andy Bush steps in to look after the show, talking befriending animals and giving away the last pair of tickets to see Guns and Roses with Slash's Emporium!

Inside The Plan With The 401(k) Brothers

On today's episode of the "Inside the Plan with the 401(k) Brothers", host Bill Bush and Andy Bush, advisors at Horizon Financial Group, will talk about the distribution phase of retirement. They talk about the 4% rule, i.e., the withdrawal rate that suggests you wouldn't outlive your funds once you retire.   Episode Highlights ·         02:05: Bill and Andy talk about popularly known withdrawal rate strategies with different asset allocations and looked back at historic returns and came up with the idea that if you started your first year of retirement withdrawing 4% in most models your savings would last 50 years or more. ·         02:35: You can't take a percent to the grocery store, so you got to do some of the math to say, well, if I had $100,000, what's 4% of that. ·         03:48: Bill and Andy discuss about the rate of inflation. They suggest if you had a 2% inflation, you just add that on from the 4% you started within year 2. ·         04:30: If there happens to be deflation, you could back out the 2%. ·         05:20: There was a sweet spot in the percentage of stocks and bonds. So that sweet spot tended to be kind of a 60-40 portfolio. ·         06:04: If you had a million dollars, 20% is $200,000 and if you saw your portfolio go from $1,000,000 down to 800,000 and you were entering retirement, it would be very uncomfortable. ·         07:25: That is what folks have to get their arms around entering into retirement, they need to understand there is the day you retire, or you are not taking all the chips off the table and moving everything into the safest instrument. ·         07:48: If you retire at 65 and you are married, there is a 50 % percent chance that one of you lives to 90 and that's a decent chance. ·         09:30: Bill and Andy talk about cash build-up that is available to get you through some of the tough times without having to tap into some of the equities while they have been depressed. ·         10:35: In 2022, you had the stock market and the bond market both down double digits and you also had inflation raging. So, if you were retiring in 2022 and that was your first year of retirement, not only were your assets declining, but you also had to if you factor in the inflation part, you know your dollar didn't go as far. ·         11:46: While the market did its horrible thing in the late 1920s and early 30s. It eventually would catch up, looking back historically, but the inflation side was a big wallop in the 70s. ·         12:17: Bill explains how inflation is the silent killer. If you don't plan and prepare for It can just destroy your savings. ·         13:47: If you are born after 1960, your RMD is now 75. So, if you are retiring in your 60s, mid 60s and you start drawing money from your savings, you are going to be whittling down that balance before 75. ·         14:41: What it comes down to the government you were putting money in pretax all this time and it grew tax deferred all this time, and they want to make sure that the taxable revenue is coming back. ·         15:38: What is inflation going to do? What is the market going to do in the next 30 years? When is the last day you are going to be on the planet?             Three Key Points 1.    Bill and Andy explain how you really must save a good amount of money if you utilize the 4% rule. 2.    Bill and Andy share how using the 4% rule, those that retired in or around 1929, their portfolio still survived the full 50 years. 3.    The purpose of this episode is to get you thinking about eventually, you are going to be pulling dollars out, and you got to get intentional about that.       Tweetable Quotes ·         "In retirement, you won't be earning anymore, but you need some source to be able to pay for lights and gas and food and all the other things that you pay spend money on." – Bill ·         "Even as a non-retired person, when I've seen My Portfolio go down like, hey man, this stinks, you know, and you start to go through the emotions, and you start to have the thoughts of maybe I am doing something wrong. Even as a financial advisor, it is great if you put some perspective on it." - Andy ·         "Market can fluctuate from time to time, but over long periods of time, there is an average annual return." - Bill       Resources Mentioned abush@horizonfg.com bbush@horizonfg.com ·         Horizon Financial Group      

Hometime with Bush & Richie
When Bush Met Blur

Hometime with Bush & Richie

Play Episode Listen Later May 22, 2023 24:03


In this special edition of the podcast, Andy Bush chats to Blur. Britpop legends Damon Albarn, Graham Coxon, Alex James and Dave Rowntree talk new music, new tour and the 90s.

Inside The Plan With The 401(k) Brothers
Meet Our New Team Member!

Inside The Plan With The 401(k) Brothers

Play Episode Listen Later May 1, 2023 17:18


In today's episode of the "Inside the Plan with the 401(k) Brothers", host Bill Bush and Andy Bush, advisors at Horizon Financial Group are going to introduce the newest member of the Horizon retirement plans, John Lensing..   Episode Highlights ·         01:22: Bill says that they wanted to make sure that everyone gets an advisor to speak to and that they service their plans very well. ·         01:58: John shares how long he has been in the retirement plan space. ·         03:12: John will be picking up anything that needs to be done around here, from doing the benchmarking services to speaking to participants about their most straightforward financial issues and how people can be financially secure. ·         04:36: John has interacted with a lot of participants. He probably understands whatever story or situation you may be in. He will have the knowledge to help guide you through that. ·         05:28: As per Bill, one of the things they pointed out on this podcast is that for many employees, the 401K advisor may be the only advisor they have immediate access to or even know personally. ·         06:18: What we talked about with one of our bigger plans was becoming financially secure, says Bill. ·         06:56: 66% of Americans believe open conversations about money are keys to financial freedom, 62% keep their lips shut when it comes to talking about their finances, and the silence extends to family 63%, friends 75% and even their spot, even their spouse or partner, 46%. Bill talked about becoming financially secure the other day, one of the things we talked about is kind of the psychology and mindset behind that. ·         08:15: You can't go back and change the past. But from this day forward, you can change what the future outcome might be. ·         09:57: John found himself doing an internship and graduated college and was offered a position similar to how they are going to talk about finances. ·         10:40: When it comes to retirement savers, you see that those that are willing to have those conversations tend to have higher participation rates and savings rates. ·         11:44: When you are talking about professionals who are professional advisors on the financial side, Bill's job is not to steer you in a bad direction. ·         13:41: If you are in a position of being financially insecure, you need to establish a belief in yourself. ·         14:31: As per John, Andy certainly has a mindset about momentum and momentum and financial security and insecurity for most of us, we can't sit on the sidelines.         Three Key Points 1.    John shares his views about retirement plans and what he likes about it. 2.    John shares what attracted him to the retirement planning industry and why he sought this field. 3.    In some workplaces having a little chatter about money might be good, but it might also lead you to a bad decision in the sense of making a bad investment.       Tweetable Quotes ·         "People want to have a conversation; they need some perspective, and they need their emotions calmed a little bit." - Bill ·         "This is an opportunity for me to get to know some new people but bring some old stories." - John ·         "I might need some help and assistance, whether it's just understanding and learning about what you possibly could do in the future." - Bill       Resources Mentioned ·         Horizon Financial Group ·         Podcast Editing ·         jlensing@horizonfg.com ·         bbush@horizonfg.com ·         abush@horizonfg.com          

Inside The Plan With The 401(k) Brothers

In today's episode of the "Inside the Plan with the 401(k) Brothers", host Bill Bush and Andy Bush, advisors at Horizon Financial Group talk about their recent trip to San Diego for the National Association of Plan Advisors Summit, and share some stats from one of the presentations.     Episode Highlights ·         01:19: Spring has sprung and are folks looking forward to the summer and hopefully an improved economic climate. ·         01:32: One of the presentations that they did see at NAPA was, what is the American worker thinking right now and experiencing as you overlap that onto what's going on in the economy, especially as inflation hits everyone. ·         02:09: When you kind of look at across the board, there is a greater portion of folks that feel like their financial independence is in jeopardy. ·         03:13: There have been plenty of surveys and studies that have shown that the more financially stressed workers are the less productive they are. ·         04:08: If you have debt that was introduced to you last year when rates were rising. You know it's a higher interest rate and so getting rid of that as soon as you possibly would be great. ·         06:06: Inflation of expenses is going up and some people realize, I may as well just earn the dollars to pay my bills rather than pulling them out of my retirement savings. ·         06:50: 65% of the folks that were surveyed said they would rather have a concrete plan to know how to spend their later years, so that they could know not only the monies they would spend, but how they are spending their time and energies. ·         08:20: Bill and Andy discuss how people realized there was some benefit to staying at the job instead of going and chasing after something else. ·         09:39: Bill and Andy always like to remind folks to use the tools you have available inside your plan, be surprised at how many folks don't even set up an online access username and password and maybe don't even check their balance or kind of where their holdings are. ·         10:46: Bill and Andy have a whole series on how different generations look at finances. ·         11:29: Some people have family relationships or social relationships that are strained. Bill and Andy discuss how mental health affects financial health. ·         14:18: Bill and Andy talk about the importance of financial planning and why one should hire a financial advisor. ·         16:40: Andy doesn't want to feel strapped or stretched or stressed from finances. ·         17:24: If you have a 401K plan at your work, and you are not getting the education you feel like you deserve or need, reach out to the plan sponsor or providers and ask for it.     Three Key Points 1.    Bill and Andy talk about retirement savings and the importance of it. 2.    Bill and Andy discuss how millennials are managing their own finance. 3.    90% of workers indicated that their employer should be involved in retirement education.     Tweetable Quotes ·         "Folks tend to be a little less confident about their independence, their financial independence or their retirement." - Bill ·         "Concentrate on the things we can control rather than those items out there that we cannot control." – Bill ·         "The current climate we are in has certainly really made folks have to be intentional, about their financial lives, whether they wanted to or not because prices go up." - Bill     Resources Mentioned ·         Horizon Financial Group

My Gorgeous Son
How Can We Help? with Mark and Jackie – Coming April 5th

My Gorgeous Son

Play Episode Listen Later Mar 29, 2023


COMING APRIL 5th - A comedy advice podcast hosted by Mark Little and Juno-nominated comedian Jackie Pirico! Mark & Jackie share perfect, unimpeachable suggestions on how to fix your life. Brought to you By: The Sonar Network https://thesonarnetwork.com/

Hometime with Bush & Richie
The Full Interview with Jake Bugg

Hometime with Bush & Richie

Play Episode Listen Later Mar 4, 2023 17:50


Andy Bush catches up with musician Jake Bugg to discuss his return to stage, Happy Valley and his love of Notts County.

Hometime with Bush & Richie
The Full Interview with Professor David Wilson

Hometime with Bush & Richie

Play Episode Listen Later Mar 3, 2023 23:51


Andy Bush speaks to Crimonoligist Professor David Wilson about his brand new tour 'My Life With Murderers', web sleuths, interviewing serial killers and if there is such thing as "Evil".

Inside The Plan With The 401(k) Brothers
Living Longer, Living Better

Inside The Plan With The 401(k) Brothers

Play Episode Listen Later Mar 3, 2023 17:16


In today's episode of the "Inside the Plan with the 401(k) Brothers", host Bill Bush and Andy Bush, advisors at Horizon Financial Group are going to talk about the concepts of living long and prospering. They discuss about the importance of saving and proper planning for your retirement.     Episode Highlights ·         02.38: It is very hard to visualize what aging has, what the effect of aging is on our bodies as we go forward. ·         04.18: How you behave is much more important than having a finance degree or the things that you exercise to actually get ahead financially. ·         05.18: People often overlook when they take their social security and make it sure it's going to be around for a while or look at other guaranteed income sources to make sure that they have monies available to them. ·         06.43: Things are constantly changing in terms of the rules and regulations around RMD's and then of course, there is the social security thing to get around about when you are going to file strategically. ·         08.16: Planning retirement is for those whom you love, you should go through some planning to plan forward as if, hey, we are going to be around. ·         10.15: When we talk to plan participants in their 401K plans and other retirement plans, we often say hey, make sure you use the tools that you have available. ·         11.11: Andy talks about a book by Arthur Brooks. It is about making that transition from kind of the prime of your career to becoming going into where your faculties become less bright. ·         14.35: Andy and Bill talk about goal setting and how important it is.         Three Key Points 1.    Bill and Andy talk about the importance of retirement planning and how important it is. 2.    Bill and Andy discuss the importance of social aspects and communion with someone else and how important that is. 3.    The importance of health is being healthy and being financially healthy.     Tweetable Quotes ·         "If we behave well, we will probably be more healthy in retirement not maybe not more healthy than we are now but healthier than we would be if we made bad decisions." – Andy ·         "I tell folks in retirement plans often, which is right now, you are earning your dollars to pay for the food on the table, the gas in the car, the insurance, and all the other things that you need. There is a time in the future where you will either no longer be able to work, or you no longer will want to work, and you are still going to have to put food on the table." - Bill ·         "I think it is important when you kind of look at longevity is to not underestimate it because you do have to plan that your dollars need to stretch probably longer than you think." - Andy  

Inside The Plan With The 401(k) Brothers
How the SECURE ACT 2.0 will Affect You

Inside The Plan With The 401(k) Brothers

Play Episode Listen Later Feb 1, 2023 18:30


In today's episode of the "Inside the Plan with the 401(k) Brothers", host Bill Bush and Andy Bush, advisors at Horizon Financial Group share what happened just before the New Year; some sweeping legislation was passed that had to do with retirement plans and retirement savings. It was called the SECURE ACT 2.0 and the “secure” part stands for setting every community up for retirement enhancement.   Episode Highlights 11: The secure part stands for setting every community up for retirement enhancement. Secure. 1.0 back then was just the Secure Act, was passed just a couple of years ago. But the new changes, have kind of been in talks for a while, but finally got a chance to move them through the process and got them approved. 32: Bill and Andy discuss the provision 331 act - it's the natural disaster. In the Baton Rouge and southern Louisiana areas, we encountered hurricanes in the past five or six years and some historic floods. 20: The act was signed on December 29th, 2022. By the way, there are some provisions that actually go into effect retroactively to the tax year 2020. 43: Some of the bigger provisions that are going to start taking place here in 2023 are really on the required minimum distributions. 30: Another good thing they did is addressing penalties for not taking RMDs. In the past the IRS could penalize you 50% of what you were supposed to take minus what you already did take. Now granted you could appeal that and usually they would alleviate that fine or penalty, but they have narrowed that penalty from 50% down to 25% and then further down to 10%. 22: Provision under 601 allows SEP and simple IRA's to be permitted to have Roth. 27: Section 304 has to do with distributions the cash-out limit increase the limit from 5000 to 7000, so a plan could roll you out into an IRA if you left that plan. 52: Section 314 distributions are penalty free withdrawals for domestic abuse victims. 15: Section 110 is the student loan matching program. An employer has to allow for that … it says if an employee has to pay back loans and they are doing that instead of putting dollars into their 401K, the employer can contribute a match of those dollars into the 401k 22: In the year 2024 there's going to be a thing called the starter 401K that is in section 121 and so that permits an employer that does not sponsor retirement plan to offer this starter 401K plan and it requires that all employees be default enrolled at 3% to 15%. 57: Section 127 is the emergency savings account that is allowed at an employer may offer to non-highly compensated employees and this allows them to kind of earmark a certain percentage of their contributions towards just emergencies, and that's capped out at $2500. 19: If you are already putting into retirement, that seems a little bit painless because it comes out of your paycheck. You can also kind of earmark a little bit that goes towards - The Emergency Fund. 55: What section 332 does is it allows you to replace the Simple IRA plan with the Safe Harbor 401K during the year. 00: In the Simple IRA plan, there were really two ways the employer contributed that. They either did the 2% of compensation, so kind of a non-elective whether the employee did anything or not or they did that 3% match. But SECURE 2.0 allows for more. 00: Bill and Andy are expecting to see some more revisions down in the act down the line. They have had the pleasure of being involved and appealing to the legislators in DC, voicing concerns on behalf of participants and plan sponsors     Three Key Points Bill and Andy talk about section 307, which is the qualified charitable distribution rule. They just indexed those after the year 2022, the annual limit or annual exclusion was $100,000, but their indexing those going forward, it does allow for a one-time $50,000 distribution from an IRA. 529 plan beneficiaries would be permitted to roll over unused 529 plans into a Roth IRA. Bill and Andy discuss some of the key provisions that are out there that might impact you or your retirement plan, whether you are a plan sponsor or whether you are a participant.     Tweetable Quotes "They tell everyone to don't think of your 401K plan as a savings account for any ordinary type of event, or even a disastrous type of event. Have other savings in place if you can, but that is something that's out there and I know in 2016 that widespread flooding that occurred. Hit just about everybody in the Baton Rouge area. That was a big thing and people needed some dollars to recover from that." - Bill "The RMD age has now been bumped up starting in 2023 to age 73. That's the required minimum distribution. - Bill "A lot of folks who have already paid their house off and they may not itemize when it comes to taxes." - Andy     Resources Mentioned bbush@horizonfg.com abush@horizonft.com. www.horizonfg.com

Inside The Plan With The 401(k) Brothers

In today's episode of the "Inside the Plan with the 401(k) Brothers", host Bill Bush and Andy Bush, advisors at Horizon Financial Group take a look at top financial regrets. There is a certain saying out there and it goes something like this - NO REGRETS. Bill and Andy discuss the top 5 regrets often made by young and old Americans.     Episode Highlights 01:41: As per Bill, for most folks if you reach a certain age, probably you do have some sort of regret. If you don't, that's great, but that is very uncommon. 03:08: For younger listeners Andy suggests by going through some sort of education and financial planning you can actually start to make great decisions and choices that when you look back when you are 72, then maybe you don't have as many regrets. 03:47: Number One Financial regret of older Americans shared by a thumping 57% of those surveyed was not having saved more for their retirement during their working years. 05:02: It is a good opportunity to point out that most 401K providers, record keepers, have a pretty robust set of calculators and tools that participants can log into. So, if you haven't used those resources, start using it. 06:47: The past is the past, you can't go change that, but you can start to change as you gauge into the future what it's going to look like, and those tools and those calculators do that. They don't give you the exactness of it, but they at least give you a ballpark of what's it going to look like when you are 65 or 70 or and what kind of income you are going to need based on the variables at hand today. 07:09: Number 2 on the regret list is not saving enough. Not buying long term care insurance to pay for nursing homes or similar retirement type of community or something along those lines. 08:42: As per Andy number 3 regret on the list is 37% of older Americans regret not working longer. 11:22: Number 4 is remarkably 33% of older Americans regretted not investing in some sort of guaranteed income. 13:11: When planning your retirement ask yourself how are you going to replace your income? Are you doing something to replace your income when you are no longer earning it? 13:56: Inside of the investment options there, it's happening more on the bigger mega plans more than it is smaller plans. But you are starting to see the opportunity for a plan sponsor to put in some sort of guaranteed income of sliver for an investment option, says Bill. 14:26: Number 5 on the list is about 23% of older Americans claimed social security too early. 16:41: If you file and start taking your benefits before what is called your FRA, think of that as a penalty or a haircut on what would have come to you, and if you delay that, you actually get delayed credits. 17:53: Healthcare is a big expense the older you get and is often the biggest expense for folks in their 70s and 80s. And so that is trying to be as preventative as you can and lead a healthy lifestyle now before you are retired.       Three Key Points Bill and Andy discuss how saving rate matters and how it is in your control to put away the amount as per your requirement in future. Bill and Andy explain how the cost of insurance of a long-term care policy is a very small solution to a much bigger problem. Before claiming your Social Security, it is important to think about how long you might live? You need to ask that question rather than looking at it as if, well, the government's taking my money all of my working years, and I am going to get it back as soon as I can.     Tweetable Quotes "You can learn from the mistakes others have made. I am the youngest of six and I learned so many mistakes from what my older brothers did." - Andy "We have talked many times about Social Security and what it will replace in retirement. And for most folks, I think the best-case scenario might be its 40%, but probably not for most people. Most people, it's going to be probably 25 or less percent." - Bill "Raise your contribution rate up 1% each year for you know a number of years until you get to a good contribution level." - Bill "One of the things that are up and coming in the 401K world is the fact that Recordkeepers will start showing an illustration of what this pool of money might actually mean on a spread-out basis." - Bill       Resources Mentioned https://www.horizonfg.com/ bbush@horizonfg.com abush@horizonfg.com

The Dave Berry Breakfast Show
Breakfast - I'm A Really Saucy Person

The Dave Berry Breakfast Show

Play Episode Listen Later Sep 26, 2022 34:31


Andy Bush is in for Dave Berry this morning and wants to know when you've seen a celebrity eating and have you ever lost the car!

The Dave Berry Breakfast Show
Breakfast - Oh My God! He's Covered In Rats!

The Dave Berry Breakfast Show

Play Episode Listen Later Sep 22, 2022 29:22


Andy Bush is in for Dave this morning whilst Dave is on holiday. This morning, we hear from those of you with rogue breakfasts, the mundane things that your parents are obsessed with and the foxes and the rodents cause problems for Bush and Dyson.

The Dave Berry Breakfast Show
Breakfast - Dyson's Shifty Party In The Woods

The Dave Berry Breakfast Show

Play Episode Listen Later Sep 21, 2022 29:23


Andy Bush is back in looking after things whilst Dave is on Holiday this week. This morning, we chat to someone who was making some teeth early doors, someone using a victorian listening stick to sort your drains out and we hear all about a childrens party in the canteen of the head office of a bank.

The Toffee TV Podcast
The Derby, Arsenal and Baked Goods! | 1878 FM

The Toffee TV Podcast

Play Episode Listen Later Sep 7, 2022 52:05


Episode 1 of our new Podcast with Andy Bush and Dave Vitty joining the Toffee TV lads every week! Get More Shows Our GDPR privacy policy was updated on August 8, 2022. Visit acast.com/privacy for more information.

Louisiana Ladies
Andy Bush - Our LA Lad!

Louisiana Ladies

Play Episode Listen Later Apr 11, 2022 61:14


We have such a fun LA Lad on this week's episode! Andy Bush of Horizon Financial Group joins us as we chat about the enneagram, faith, and the infamous Baton Rouge traffic. This conversation left us all laughing and we can't wait for you all to listen. Thanks for joining us, Andy!Horizon Financial Group (horizonfg.com)March book of the month: The Love HypothesisCatch up on Louisiana Ladies on Apple Podcasts and Spotify!Follow Louisiana Ladies on Instagram and FacebookWanna chat? Email louisianaladiespodcast@gmail.com

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Louisiana Ladies
A Market Update from Andy Bush

Louisiana Ladies

Play Episode Listen Later Mar 30, 2022 48:08


We have such a fun episode of TPA Tidbits for you! In this episode, we are joined by Financial Advisor (and friend) Andy Bush of Horizon Financial Group. He gives great insight on current market updates, why the market changes, and roles of a financial advisor. Thanks Andy for taking the time to chat with us!Call us at 225-300-8478Visit our website at choosesentinel.comStay tuned for more tidbits regarding retirement plans.Have a question for us? Please email 401k@choosesentinel.com.Follow us on LinkedInFollow us on FacebookMusic by Adam Vitovsky

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