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Inside The Plan With The 401(k) Brothers

Inside The Plan With The 401(k) Brothers

著者： Bill Bush and Andy Bush
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 Inside The Plan With The 401(k) Brothers is a production of Horizon Financial Group, located in Baton Rouge, LA. The show handles topics and questions that often arise from participants of company retirement plans. Bill Bush and Andy Bush are indeed brothers, but NOT twins. Registered Representatives offering securities and advisory services offered through Cetera Advisors LLC, member FINRA/SIPC, a broker/dealer and a Registered Investment Adviser. Cetera is under separate ownership from any other named entity. 15015 Jamestown Boulevard, Suite 100, Baton Rouge, LA 70810Horizon Financial Group 15015 Jamestown Boulevard, Suite 100, Baton Rouge, LA 70810 個人ファイナンス 経済学
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  • The Psychology of Money Decisions

    The Psychology of Money Decisions
    2025/09/11
    Episode Summary In this episode of Inside the Plan with the 401(k) Brothers, Bill and Andy Bush explore the emotional side of money decisions. From procrastination and magical thinking to comparison traps and identity shifts, they share personal experiences, client stories, and practical tips to help listeners overcome financial inertia and build confidence in their financial planning. Key Takeaways ● Math in financial planning is easy; human behavior makes it hard. ● Avoidance, magical thinking, and procrastination delay financial progress. ● Early investing wins thanks to time and compounding interest. ● Comparing yourself to others can lead to discouragement or debt. ● Building habits like auto-enrollment and auto-escalation helps you stay on track. ● Changing your financial identity influences long-term behavior. ● Seeking professional help removes fear and offers accountability. Time-Stamped Chapters 00:00 – Welcome Back & Life Updates Bill and Andy open the episode with personal updates, including summer birthdays, time away for health reasons, and why this break reminded them how unpredictable life—and money decisions—can be. 01:38 – The Psychology of Money Decisions They set the stage for the conversation: financial planning isn't just about spreadsheets and calculators; it's about human behavior, emotions, and sometimes anxiety when decisions have to be made quickly. 03:12 – Common Stumbling Blocks From denial to avoidance, the brothers explore why so many people put off saving for retirement or making big financial moves, even when they know they should start early. 05:47 – Magical Thinking & Procrastination The idea that "my ship will come in" often leads people to delay saving until they expect a windfall, raise, or inheritance—none of which are guaranteed. Bill and Andy talk about why this mindset is so dangerous for long-term planning. 08:05 – Inertia and Procrastination They highlight how lack of clarity creates procrastination. Automatic contributions, small savings goals, and "just getting started" are key steps to overcoming the paralysis of inaction. 10:33 – The Comparison Trap Comparing savings rates or lifestyles to peers—or even celebrities—can lead to discouragement or reckless spending. The brothers emphasize focusing on personal goals and measuring progress against your own plan, not someone else's. 12:11 – Building Positive Financial Habits Bill and Andy discuss automatic enrollment, automatic escalation of contributions, and how payroll deductions make saving easier and less painful—helping savers stay consistent without relying on willpower alone. 15:46 – Overcoming Fear & Identity Shifts The way you talk to yourself shapes your financial habits. By identifying as a "saver" instead of a "spender," you can reframe your behavior and stick with good habits over time, even through setbacks. 18:43 – Seeking Help & Being Vulnerable Bill and Andy stress that financial advisors act as accountability partners. Like going to a doctor, you have to be open about your situation so someone can help you improve it. 21:20 – Final Thoughts & How to Reach Out The brothers close with encouragement to start small, be consistent, and never "worry alone." They provide their contact information for listeners who want to talk about their financial situation. Quotes from the Episode ● "The math part of financial planning is pretty darn easy… but the behavior is tougher." ● "An object at rest tends to stay at rest… so just start with baby steps." ● "My ship's gonna come in… that's what they say, but there's no guarantee." ● "The race is against yourself, not against others." ● "Flip the script on how you talk to yourself—see yourself as a saver." ● "Those first dollars have the longest time to compound." ● "Don't let your voice be the only one. There's no shame in asking for help." ● "It's like going to the doctor—if you don't share what's wrong, you can't get better." Contact Information ● Bill Bush: bbush@horizonfg.com ● Andy Bush: abush@horizonfg.com ● Horizon Financial Group: horizonfg.com Disclosure 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, Andy Bush, and Pete Bush are registered representatives offering securities and advisory services through Cetera Advisors LLC, member FINRA/SIPC, a broker-dealer, and registered investment advisor. Cetera is under separate ownership from any ...
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    23 分
  • Mastering the First Year of Retirement

    Mastering the First Year of Retirement
    2025/07/02

    In this episode, the 401(k) Brothers—Bill and Andy—break down why the first year of retirement is so critical. From crafting a solid income plan to navigating emotional shifts, they cover how to avoid early retirement missteps and make the most of your new lifestyle. With practical tips, relatable analogies, and their trademark brotherly banter, they offer a blueprint for launching retirement on the right foot.

    ⏱️ Chapters & Final Timestamps

    00:00 – Welcome & Why the First Year Matters

    • The emotional and financial significance of retirement's first year
    • How this year sets the tone for future success

    03:00 – Income Projections & Expense Shifts

    • Turning 401(k) savings into monthly income
    • Why expense planning is just as crucial as income planning
    • Common assumptions (e.g., 75–80% of pre-retirement income)

    06:10 – The First-Year Rule: Don't Overspend

    • Sustainable withdrawal rates
    • Planning for "reward" spending like travel or big purchases
    • Being intentional vs. impulsive

    08:45 – Emotional Adjustments & Finding Purpose

    • Losing the structure of work life
    • Maintaining social connections and personal identity
    • Avoiding the "retirement letdown"

    11:15 – Common Pitfalls: Travel, Family, and Overspending

    • Helping kids or grandkids too much
    • Tackling home projects without fully understanding the financial impact
    • Tax-aware withdrawals

    13:30 – The Value of an Ongoing Advisor Relationship

    • Retirement planning isn't "set it and forget it"
    • Real examples of spending too much—or being too frugal
    • Adjusting the plan as life unfolds

    15:45 – Try a Pre-Retirement Test Drive

    • Practicing your retirement budget early
    • How "trial runs" can expose gaps or ease anxiety

    17:00 – Wrapping Up & Key Actions

    • Check in regularly with your advisor
    • Stay intentional with financial and emotional decisions
    • Retirement is a new beginning, not an end

    ✅ Key Takeaways

    • The first year sets habits that shape the rest of retirement
    • Income projections build confidence and guide decisions
    • Be mindful of emotional spending in that first year
    • Unexpected expenses should be anticipated and planned for
    • Retirement is a transition—mentally, socially, and financially
    • Regular advisor check-ins help you course-correct as needed

    🔊 Sound Bites

    • "The first year can really set the tone."
    • "You have to have a good income projection."
    • "Retirement isn't a finish line—it's the start of your next flight."
    • "You can reward yourself—but plan for it."

    📩 Contact the Hosts

    • Bill Bush: bbush@horizonfg.com
    • Andy Bush: ablish@horizonfg.com
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    20 分
  • The Soundtrack to Retirement Planning

    The Soundtrack to Retirement Planning
    2025/05/28
    🎙️ Episode Summary In this lively and unconventional episode, Brother Bill and Brother Andy explore the emotional and motivational power of music—and how it can help shape your outlook on retirement planning. From walk-up songs to celebratory anthems, they highlight tunes that uplift, energize, and even challenge us to take action. This playlist-inspired episode weaves financial wisdom into familiar melodies and leaves listeners tapping their toes while thinking about their future selves. Retirement may be serious business, but that doesn’t mean it can’t have a great soundtrack. 🕒 Time-Stamped Episode Highlights 00:09 – Setting the Stage Andy introduces the idea of using music as inspiration for retirement planning. Bill connects it to the metaphor of “walk-up songs” in baseball—symbolizing the moment you transition into retirement. 01:59 – Personal Walk-Up Picks Andy shares “Right Now” by Van Halen as a motivational song to take action. Bill adds “Celebration” by Kool & the Gang and “All Star” by Smash Mouth as fun, upbeat songs to mark the transition. 03:49 – Rocking Out with Hair Bands Songs like “Kickstart My Heart” by Mötley Crüe and “Don't Stop Believin’” by Journey energize the mindset of perseverance and momentum. 05:24 – Joy, Goals, and Frank Sinatra Pharrell’s “Happy”, Sinatra’s “Come Fly with Me”, and “Luck Be a Lady” help explore the emotional side of retirement and dreaming big. 06:32 – Country & Classic Rock Inspirations “Hard Workin’ Man” by Brooks & Dunn, “Taking Care of Business” by BTO, and “Jive Talkin’” by the Bee Gees make their way into the conversation as examples of dedication and energy. 07:48 – Songs with Financial Themes “Money for Nothing” by Dire Straits, “Rich Girl” by Hall & Oates, and “Take the Money and Run” by Steve Miller Band are humorous yet thoughtful takes on income and wealth. 09:03 – Retirement & Aviation-Themed Songs With nods to The Runway Decade, songs like “Jet Airliner”, “Leaving on a Jet Plane”, and “Fly Me to the Moon” reflect destination-focused planning. 11:06 – Do You Know Where You Are Now? Bill emphasizes evaluating your current financial picture: your savings, your goals, and how you’re going to get there. Music becomes a reflection of that journey. 11:55 – Forrest Gump and Financial Freedom A nod to Forrest Gump’s run ties into the idea of stripping away obstacles. Songs like “Don’t Bring Me Down” by ELO amplify the theme of emotional and financial liberation. 12:52 – Life Events as Catalysts for Planning The brothers reflect on how life events like death, divorce, or inheritance often bring people to the financial planning table—and how music can provide clarity and courage during those times. 13:45 – Walk-Out Power Songs Andy shares his go-to jogging anthem “Boom” by P.O.D., and Bill recalls “I Wanna Be Rich” by Calloway, sparking a discussion on what it really means to be “rich” in retirement. 15:36 – Closing Notes & Musical Wisdom More final tracks are tossed into the mix: “Carry On Wayward Son” by Kansas and “Fly Like an Eagle” by Steve Miller Band. The episode ends with Bee Gees’ “Stayin’ Alive”—a reminder to care for your health as you plan financially. 🎵 Favorite Sound Bites “Music moves us, right?” “Get going, do it now!” “You gotta press on!” “Whether you’re a brother or whether you’re a mother, you’re stayin’ alive!” 💡 Key Takeaways Music can act as both a motivator and metaphor in your retirement journey. “Walk-up” songs mark the start of something bold—retirement included. Celebratory and upbeat tunes reinforce the joy of leaving the workforce. Life is full of bumps in the road—music reminds us to carry on. Passive income? Think “Money for Nothing.” Planning starts with knowing where you are today, where you want to go, and how you’ll get there. Health, happiness, and community are all part of a “rich” retirement. 📞 Contact the 401(k) Brothers Website: www.horizonfg.com Email: bbush@horizonfg.com abush@horizonfg.com
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    19 分
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