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Oct. 14, 2023 - Stew Peters Show

01:00:10

JESUS. GUNS. AND BABIES. w/ Dr. Kandiss Taylor ft. Joseph Lombardi

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	Hey everybody, welcome to Jesus, Stones, and Babies.
	I'm your host, Dr.
	Candice Taylor, and I have a very special guest tonight.
	We're going to learn so much.
	You're going to be so thrilled we had him on the show.
	You're going to say, thank you, thank you, thank you.
	I can't wait to learn from him.
	But before we get started, I'm going to start with Proverbs 11, 24 through 25.
	There is one who scatters yet increases more.
	And there is one who withholds more than is right.
	But it leads to poverty.
	The generous soul will be made rich.
	And he who hates...
	Goodness.
	He who waters will also be watered himself.
	So I have on the show tonight from Ironhawk Financial, Joe Lombardi.
	Welcome to Jesus, Guns, and Babies, Joe.
	Thank you very much, Candice, for having me.
	I'm so excited to have you.
	We are in a mess in America financially and with the economy and so I can't wait to dive into all of this but my viewers really like to know someone and so I asked you before you came on if you were a patriot and you are and you love President Trump and so we're gonna have such a fun time but can you tell everybody because you're really passionate and gifted About with money.
	And so I want you to tell people how you got started and if you don't mind while you're talking about your story, if you'll tell us about the 40 under 40 and all the things because you were telling me before you came in here that's so impressive before we get into the world we're in right now.
	Yeah, so I'm Joseph Lombardi.
	I'm the owner and founder of Ironhawk Financial.
	I got into this business.
	I was doing construction with my father, who owned J.B. Lombardi Builders, multi-million dollar construction company in Greenwich and Fairfield, Connecticut.
	And I was like 12, 13 years old and dropped me off at a house.
	And, you know, he's doing these multi-million dollar additions and rehabs.
	And he said, go play with this kid.
	So we're in Greenwich at like this road where there's nothing but mansions.
	And so I go in this kid's basement and it's like Chuck E. Cheese on steroids.
	I mean, there's a baseball field, there's a basketball court, like in the basement.
	It was the craziest thing I've ever seen in my life.
	So I had a blast, you know, there for two and a half hours, my dad was pricing out all the, you know, additions and construction stuff with the owner.
	So we get back in the truck, you know, back in the day where you both sit in the front, you know, in those Ford vans.
	And I said, what does that guy do?
	And he said, oh, he works on Wall Street.
	And I had no idea what that meant, but I knew from that day I wanted to work on Wall Street.
	I was like, I want that lifestyle for my family, you know?
	So, you know, fast forward a few years, I'm doing construction with my dad.
	I'm going to college, studying economics and finance.
	And my dad ends up falling three stories off a ladder.
	I ended up holding his foot disintegrated in the hospital for two years.
	Comes out of the hospital, you know, and meanwhile, my sister was born two pounds, seven ounces through the alcohol syndrome.
	And so my ex-stepmom drank vanilla extract and Listerine during pregnancy because my father's been in AA since 1992, so she couldn't drink like hard alcohol.
	So she was like closet alcoholic and almost killed my sister.
	So now I have my stepmom in rehab.
	I have my father in the hospital.
	And here I am at 15 years old.
	I'm lettered to football, track and basketball at Fairfield Ward in Connecticut on a dropout of all sports.
	And I had to go work at a daycare, take care of my sister, because either that or it was a DCF. So I just kept it quiet.
	So, you know, while my father was away and my stepmom was rehabbing, I raised my sister.
	And, you know, it taught me so much.
	And I realized, you know, I knew my dad was super wealthy.
	And I was shocked that he didn't have a fire plant set aside if something happened.
	You know, and then shortly after that, my mother passed away of sarosa liver at 52 years old.
	And she had no life insurance.
	And I'm like, what is going on here?
	And then a year and a half later, my grandmother passed years ago, left my grandmother millions of dollars from Lombardi Masonry who built all the Westfield shopping malls in New England.
	And my grandmother has a stroke led to dementia, $4.2 million bond in seven years to the nursing home.
	And I was just...
	Beside myself and I said, well, I can't do construction because there's no company to go into that I have room to take over.
	So I'm going to start working with contractors.
	So I started out at Northwestern Mutual and I was chasing trucks on the highway going like 100 miles an hour and then pulling behind any truck I saw.
	Electric, plumbing, roofing.
	And I'd call them up and say, hey, my father was Jamie Lombardi Builders.
	He fell three stories off the ladder, lost everything.
	Can I help you protect you and your family?
	So they used to call me the dog.
	That was my nickname because he used to chase trucks, right?
	So that's how I got in, you know, to the industry.
	And, you know, 20 years later, you know, I won 27.
	I'm hearing hard work.
	That's what I'm hearing.
	Hard work.
	Yeah, it was Thursday night calls, it was Monday night calls, Saturday calls, 70-80 hour weeks, building my business, learning from the best, working my way up in these companies.
	I worked at Northwestern, I worked at MetLife, I worked at Guardian and MassMutual before I started my own firm five years ago.
	And it was just always trying to be the best version of myself so that I can help as many people as I can.
	I understand it's a need product.
	Nobody wakes up on a random Thursday and says, oh, do I have enough long-term care?
	Oh, is my 401k protected from loss?
	Oh, if I die tomorrow, my children are going to have the same quality of life that I provide them because I'm the breadwinner, right?
	So I just worked really, really hard.
	I ended up winning 27 industry awards.
	I have 1,600 clients.
	I manage about a billion dollars in my two strategies.
	I'm in 49 states.
	I have articles written about me in the last 90 days on International Business Times, Business Insider.
	I was on the cover of 100 INC's Top 40 Under 40.
	I have books I've written on Amazon, Being Your Own Bank.
	I have my second book coming out, which is called There's a Better Way Than a 401k.
	And yeah, my goal right now is just to help as many people as I can get them out of the prison that they are in this government-sponsored, illiquid, high-feed, high-tax accounts that these guys and girls are voluntarily putting their money in.
	And, you know, it's trying to educate them about different IRS laws.
	And I work with three, four to five hundred companies.
	So I take what the wealthy do and I bring it to the blue collar market.
	And I say, listen, do you want to do what other guys like you are doing or do you want to do what the elite are doing?
	And if you can't beat them, you got to join them.
	That's right.
	Hey, that's what we need.
	We need somebody that looks out for the small guys, right?
	And my husband and I are both public school educators, I told you before we came on.
	And so I'm really, you know, interested because that's the people that follow me.
	I mean, I have, you know, I have millionaire people that support me and we have doctors and lawyers and And investors and all that stuff that supported me too.
	But the majority of our base are normal, hardworking people.
	And even those people who are millionaires, they're hard workers.
	That's why they're wealthy.
	They've served their time.
	For lack of a better terminology, they've worked really hard.
	They've been persistent and had stamina and didn't stop.
	So I think that's a lot of, we're in a society now where people don't want to work.
	You can't find workers because nobody wants to work and they want to live off the government and they're entitled and They're just racking up credit card debt like crazy.
	I read an article this week that we have the highest credit card debt we've ever had in our country, and that's really scary for the stability of the economy.
	So I just, you know, I can't wait to hear what you think about the economy and what we need to do and where we need to go.
	And first things first, I'm a bit distracted if I don't ask you, tell me about the 22 jersey behind your head.
	Okay, so I'm related to Vince Lombardi.
	He was a Super Bowl champion for the Packers, right?
	So everybody says, why don't you have Packers stuff behind you, you know?
	So when my parents got divorced when I was four years old, I grew up in Florida.
	And, you know, we moved up to Trumbo.
	I lived in poverty.
	I lived in the attic.
	We had no running water.
	So it was a mattress and a TV and a microwave, a stove and a bucket, right?
	But I remember I was watching the Cowboys with my dad.
	And I remember watching Dale Earnhardt and the Bulls and Jordan and Pippen and Rodman.
	So when I think of the Cowboys, they haven't been very good for the last 30 years.
	It reminds me of being with my father and that nothing mattered but family and being poor, not realizing that you're poor when you're 5, 6, 7, 8, 9, 10 years old.
	But looking back on the memory of still having a strong family bond with one parent, knowing the other parent didn't want You know, so it's just a reminder.
	That's why I really like the Cowboys because it reminds me of me and my dad spending time together because he did work a lot in construction.
	That's cool.
	I knew whenever I started thinking about this, when you were talking, I thought Lombardi, I know that last name, right?
	So then I started thinking, but that's not who this guy is.
	So what is his daddy?
	What is this?
	So I had to ask.
	Do you know your cousin?
	Do you talk to him?
	Do you have a relationship with him or no?
	Since the divorce when I was four, I have a lot of family members who own major companies in New England.
	I haven't really reached out to them.
	It's just a weird situation.
	I talked to a couple of psychics and other people who told me a lot about my history, believe it or not.
	Do you believe in that or not?
	I've heard some Crazy stuff.
	And I'm like, are you kidding me?
	How do you know that?
	Which really made me say, you know what, I'm going to trailblaze my own path.
	I'm not trying to use anybody.
	I built everything I have by myself.
	And the self-accusation you get, which is atop of Maslow's hierarchy of needs, allows me to feel a lot of pride in what I built for my wife and three children and my employees and what I'm trying to grow.
	God has gifted you.
	And so I'm honored.
	And I can't wait to hear about your book because we're talking about 401ks and talking about all the things.
	But let's start off talking about the economy and where we are.
	Somebody told me at the ball fields a while ago, we were talking about watching our sons play football.
	And somebody just said the comment, they said, I heard that.
	I read an article today that said that we're going to be in 2024 in a worse situation than Than what they experienced in the Great Depression.
	I said, oh, I rebuke that in Jesus' name.
	I said, but I'm going to have a financial guy on my show later today, and I'm going to ask him, what is coming?
	What is happening?
	Yeah, I mean, it's pretty scary if you look at trends, right?
	You take the emotional fear, the mongering, that whole, you know, the world's falling, sky's falling, and just take a look at the economy, right?
	So, What do we have in COVID? We had a lot of money printed.
	We had a lot of people not working.
	We had a lot of short supply, especially in the car market, right?
	And what happened in the last 36 months, right?
	Well, it shifted, meaning there was a lot of supply, or excuse me, a little supply and a lot of demand.
	And then over the last three years, there's too much supply and not enough demand.
	So repossessions have been up 1600%.
	Which is very scary because the car market is a good indication of a healthy economy, but we do not have a healthy economy right now.
	So when you take a look at car markets and you have the housing market, then you have the stock market, then you have the housing market again.
	So we've seen houses go up 60, 80, We've seen young families and newlyweds wanting to get into the homeowner market and they just can't because interest rates are too high.
	The value of the houses are too high.
	And once this money dries up from baby daddy Biden, I call it baby daddy Biden money, once that money dries up, what's going to happen is there's going to be too much supply, which is ultimately going to reduce the cost of everything.
	So I'm not saying the world's going to end, but I'm saying we're not looking very good because on top of all that, we owe $33.4 trillion.
	And if you add on the bottom right of usbetclock.org, if you were to go to that website, on the bottom right of that, it has Medicare.
	We owe about $25 trillion.
	It has Social Security.
	It's like another $60 trillion.
	And then U.S. unfunded liability.
	It's another $190 trillion.
	So if you add up what we owe the Fed, because they own us, based on our social security number and our birth certificate, that's a whole other conversation.
	The United States of America is a corporation, right?
	A lot of people don't understand how any of this works, which is on purpose.
	They don't teach it.
	So every working American or taxpaying American owes $1.7 million to the Fed to pay off that debt.
	B or M? M. Each person owes $1.7 million.
	So, what's going to happen is there's two ways that we combat that.
	One is hyperinflation, right?
	We saw that last year, where the Federal Reserve just kept raising rates, raised every two weeks, another quarter point, another quarter point, another quarter point, and the market was just going on a roller coaster.
	It was down 3 points, down 8 points, down 10 points, down 20 points, right?
	And that's because they said, okay, if I borrow money from the Federal Reserve, that same dollar, which is not backed by anything, it's called a fiat currency.
	It's just, we trust, right?
	It's something God we trust.
	It really should say, and the citizens trust this piece of paper.
	But that's a whole other story.
	Or in criminal politicians, actually.
	Yeah, well, yeah, 100%.
	So what's going to happen is this dollar that they kept printing, kept printing, kept printing, kept printing.
	It's devaluing our currency because, again, economics 101, supply and demand.
	There's too much supply of dollars in our economy.
	That's why we had bricks come out.
	The other countries were like, we're not going to use US dollars.
	You guys are printing them like you're drunk sailors.
	We're not going to mess with that, which is now going to cause another huge problem in our economy because we have incompetent leaders Who just keep kicking the can down the road for fiscal responsibility.
	I mean, can you imagine, Candace, here's a million dollar credit limit and you make $20,000 a year.
	How are you ever going to, you have a million dollars, two million dollars in debt and you make $20,000 a year.
	I mean, what we owe doesn't even cover the debt, not alone all the U.S. unfunded liabilities, Social Security, Medicare.
	Take that out of the equation at $200 over a quarter $4 trillion.
	It's a whole other level of trillion.
	So they had the hyperinflation.
	If they give us a dollar, we give them back the dollar, but it's not worth the same.
	We're technically giving them less.
	It's called inflation, the hidden tax.
	That didn't really work out too well last year.
	We saw gas prices spike to $15.
	We saw housing prices doubled.
	It's insane.
	So then the other alternative is taxation.
	So they are going to raise taxes.
	They have no other choice.
	Here is a fun fact for you to Google on your own if you don't want to take my word for it.
	In the 1980s, right?
	I was born in 84.
	In the 1980s, the highest marginal tax rate in the United States of America was 70%.
	In the 1960s, it was over 90%.
	So if you want to defer taxes, Your money inside of an IRA, a 401k, a SEP, a simple, a pension, a deferred comp, a 403b, a 457, you are doing yourself an insane disservice long term because you're writing off a dollar to save a quarter and then that dollar is going to grow to $5 or $10.
	You're going to end up paying 70-80% of $10.
	So for every quarter that you save is going to cost you $8.
	You multiply that by the 3%, 6% matching your 401k, you are creating millions of dollars of tax liability, which sounds familiar, right?
	We owe, oh, how much?
	Oh, 1.7 million.
	They're going to get it from our retirement.
	They're going to get it.
	Somehow.
	They're going to get their money somehow.
	So they're going to get it where when you increase to 3, 4, 5 million dollars and the tax rate goes to 60, 70, 80 percent, 4 million of your 5 million is not going to belong to you.
	So you have to start looking at what's called a non-qualified account.
	That's what I've been specializing in for 20 years, which is only three ways that you can invest money after tax and have it grow tax-free and come out to you tax-free legally.
	One is a Roth IRA, one is a municipal bond, and the other one is cash value life insurance, which is also called rich person's Roth, be your own bank or infinite banking.
	That's where I have hundreds of millions of dollars from my clients going in that strategy who are super wealthy.
	And I tell the average folk, you know, the average Americans to say, listen, the middle class, you have to stop deferring taxes because that's the instant gratification paradigm shift matrix that they're brainwashing you in.
	And why am I so confident about that?
	Well, if you want to buy a house, what do you do?
	Buy any cash?
	No.
	Get a mortgage.
	You want to go to college, what do you do?
	Pay for any cash?
	No.
	You get student loans.
	Well, you get a car.
	You got to pay for at least a car in cash, right?
	Nope.
	Car no.
	And if you're broke and you want a TV, what do you do?
	Best Buy Credit Card.
	We are trained on instant gratification and that instant gratification enslaves us in debt.
	Have you been talking to my husband?
	So people don't understand.
	They always want to spend the money now.
	They don't understand.
	There's actually a future of you.
	And if you fail the plan, your plan's to fail.
	So what my clients do is they invest in a tax-free, non-market correlated, liquid.
	I have clients who use their retirement while they are still alive.
	Can you imagine tying up your money for 20, 30, 40 years?
	Do you know how many Americans access their 401Ks or 403Bs or 457s in the matter of their life?
	Over 95%.
	And the government knows that or they wouldn't bother putting a 10% penalty on your own money.
	And do you need money in your 401K, IRA, 403B when the market's great and banks are lending?
	Or do you need it when the market corrects, has it down, banks stop lending, you lose your job because the stock market, the housing market, and the employment market are all correlated?
	So like 2008 for example, do you know how much money you got per dollar out of your 401k?
	Less than 30 cents.
	Wow.
	So if you had a million dollars, you lost 40% or more, 10% penalty, 6% state tax, 25% federal tax.
	That's not including FICA, Medicare, unemployment, or Social Security tax.
	These are the things that Americans are so busy.
	We're uneducated.
	They don't teach us this in school.
	They don't even teach us this in college.
	We spend a quarter million dollars for what?
	To have a piece of paper that's worthless in our current society?
	You need to talk to a financial planner, an advisor, somebody who knows about the tax code.
	Because all accountants are going to do, believe it or not, is say, oh, just defer money so I can charge you $2,000 to do your taxes, when literally the computer does it for them.
	They're like, look, you put away $15,000, it saved you $5,000.
	Now give me $2,000 because I'm so wonderful.
	But they didn't save you anything, they just deferred your taxes to when you retire.
	And then that mindset, oh my God, that is a paradigm shift.
	That whole, oh, when I hit retirement, I'm going to be a way lower tax bracket.
	Really?
	What you're saying is you're going to work until you're 65, 72.
	You're going to make the most money you ever made in your life between 50 and 70.
	And then you're going to live in poverty from 70.
	You're going to sell your house, live in a box, you're in a lower tax bracket.
	That doesn't even include inflation running at 8%.
	So that whole mindset of, oh, let me defer my taxes because I'm going to be in a lower tax bracket later in retirement is BS. And they sold you false goods.
	When I mean they, I mean the government, because who wins with a 401k?
	There's three parties to an IRA, a 401k, a 403b, a 457.
	You have Wall Street with fees, 12B1 fee, Class A share fund fee, money management fee, annual account fee.
	And then you have the government with increased taxes in the future.
	And then you have you.
	So out of the three parties, two of them win and either one of them is not you.
	So what about stocks?
	So like my parents, they work at a nuclear power plant, and the company would match what they put into their retirement in their stocks.
	And so we've seen the stock market plummeting, and they've lost a good bill of money.
	They're like, well, you know, the financial advisor tells you, well, you just don't move, and they'll come back up, and...
	Don't take your money out.
	And I'm like, y'all need to diversify.
	Y'all need to buy some gold.
	Y'all need to do something.
	And I don't know anything.
	I'm just listening to these people that sell gold that I love, that are good Christian people, thinking you need to diversify in something.
	So talk to me about that.
	What about buying gold?
	What about the stock market?
	What do you do?
	What's the right thing to do?
	The right thing to do is build a foundation for your family that's having no debt.
	That's having three months of your monthly bills in liquidity, not gold and silver.
	It's making sure you have life insurance, disability, long-term care, chronic illness, terminal illness built in, so if something happens out of your control, your children and your spouse are financially okay while they're emotionally not.
	And then you buy real estate, and then you get business equity, and then you get risk, and then the top of the financial home is luxury.
	I'm not a fan of gold and silver.
	Why?
	I've never read anything in the Bible that says gold and silver saved somebody's life.
	I've never read a history book.
	I said, oh, because Sarah had gold and silver, she was totally fine.
	Gold and silver is worthless in a time of pain, including Great Depression, including war.
	Oh, excuse me, military person with a gun.
	I have a bunch of gold and silver, so I'm going to give you some coins, so you leave me and my family alone.
	They'll just shoot you and take all your gold and silver.
	There's no purpose, in my opinion, for gold and silver.
	And when you're in gold and silver, you're fighting against hedge funds.
	Why do hedge funds want gold and silver not to increase?
	Well, silver should be $1,200 an ounce.
	It's like 30 bucks.
	Why?
	Nobody asked that question.
	Why isn't silver covering just inflation?
	Well, the reason it's not is because gold and silver is in all of our electric vehicles, Tesla, Ford, F-150, Lightnings, iPhones, laptops.
	So the wealthy decided, we're not going to make as much money holding gold, and we can't control gold and silver.
	That was the whole buyback of the 30s.
	But what they can control and manipulate is stocks.
	So what has happened to Tesla?
	What has happened to Apple stock?
	They have made trillions of dollars, which they could not make if they let gold and silver go.
	So you are fighting oligarchies, billionaires, who are putting a lot of their money to suppress gold and silver by buying call actions.
	I don't know if you know this, but do you remember Mean Stock?
	You remember AMC and GameStop?
	They went to billions of dollars overnight, right?
	Similar to Bitcoin, right?
	It's a fad.
	It's going to fall out, right?
	Why was Wall Street Bets so happy?
	Because they beat the system.
	Even though it wasn't a long time, David beat Goliath.
	You're not going to beat them in gold and silver.
	I promise you that.
	And look historically what the average rate of return is for gold and silver.
	It doesn't even cover inflation.
	So you're better off getting food, bullets, guns.
	If you're using gold and silver as your fear monitor, which is that's how they sell gold and silver, the world's falling.
	You've got to have gold and silver.
	Your money's going to be worth nothing.
	How many times in countries has money switched hands, meaning they changed from one currency to that?
	I mean, just in the last 100 years, the United States did it when they got off the gold standard.
	The world didn't end.
	People that have gold didn't make more money.
	If we go to war and we're conquered, we'll just start using yen if China beats us.
	It's not going to do anything.
	It's a way for them to make a lot of profit of gold and silver because what is that really used for the normal folk?
	It's used for jewelry.
	You're buying necklaces that are forged together.
	Yay!
	For tens of thousands of dollars that you're not going to use.
	But now you have to store it.
	I just talked to a client last week.
	He's like, Joel, I got like 100 grand in gold and silver.
	It's the biggest nightmare of my life.
	I'm hiding it in this fake drawer and this mantle that's hollowed out.
	I'm hiding it in my floor.
	It's giving me anxiety.
	And then people coming in for holidays where they find it.
	That sounds like a headache for something you're not really making a lot of money on.
	Again, I don't want to talk negatively about that because I know that some people, that makes them feel safe.
	But if you look historically, it doesn't do anything for you.
	You're better off buying a stock, right?
	But however, when it comes to stocks, I believe we're going to see more of 1999 to 2012.
	Do you know how much the S&P 500 earned from 1999 to 2012?
	Zero.
	Nothing.
	But if you talk to an investment advisor, what do they say?
	You're going to get 10% a year.
	I mean, Dave Ramsey's like, 12%.
	Oh, yeah, 12% in an index fund.
	It's BS. Because what they don't understand is if you have $100, right, and you lose 50%, you have $50.
	Now, if I gain back my 50% that I lost, most Americans think they're even.
	They're not.
	You have to gain 100% of 50, which is 50 to break even.
	So most Americans don't know economics.
	They don't know finances.
	It's not because they're dumb.
	It's because they're uneducated.
	They're not taught this.
	Well, a lot of people teach us stuff that's, you know, their specialty and their view, but it may not be what's right for a middle class person, or it may not be what's right for someone who's above average.
	And maybe they do have $10 million for retirement that they've had.
	It's like, what do you do?
	Do you stay in your portfolio or do you move it?
	And so, I mean, I honestly, I'm glad to have the gold and silver talk because I feel like it's good to have bags of sugar, bags of flour to barter with.
	That's good liquor, whether you drink or not.
	It can disinfect and it's bartering.
	And I think some gold and silver is okay to barter with.
	But I don't think buying a whole, like you're saying, $100,000...
	I don't know what you would call it, a vault.
	I don't think that that is probably...
	Smart.
	You know, I think that it's for bartering more.
	For me, that's the way I look at it.
	Yeah, most people look at it and they feel safe.
	And what they're buying is safety.
	They're not buying an increasing asset that's going to cover inflation, make them a lot of money, protect them if a war happens.
	I mean, because unfortunately there's evil in this world, right?
	I mean, in the Bible, God appears one time in the Bible.
	Let's talk about who?
	That Lucifer is the ruler of the earth.
	So, I mean, when things happen that are not good, as a way to say it, I guess, gold and silver is not going to save you.
	What's going to save you is your faith and bullets.
	And food.
	And, like, you talked about that food, like having another food.
	Yeah, I have a hundred pounds of meat in my house.
	I have cameras.
	I have an alarm system.
	I have many guns.
	I have an exit plan.
	I have a group of people that I talk to that we know, hey, if It's the fans.
	He's my French.
	We're going to get together and we're going to come in and we're all going to have a different value that we add to the team because it's not going to be pretty.
	If people will rob you for your Jordans in the cities that is a $150 pair of shoes and kill you, don't they do it when they're hungry?
	Right.
	To feed their family, to feed their children.
	That's why it's going to be so important to be able to grow vegetables.
	It just is important, no matter what happens to be able to grow vegetables.
	But you're right, Jo, about ammunition and guns.
	And that's an investment.
	And it's an investment to heirloom that you can pass on for, you know, generations.
	And so it is important.
	It's important to, you know, invest in the right things.
	I agree.
	So if you...
	If you were going to talk to somebody and you were going to tell them about what they need to do, and you said, I know you said, because I've had a financial advisor to do the same thing, three months of salary, three months, you know, to get by an emergency fund, and then making sure that you have the right insurance policies and having like term life for me and my husband were working, you know, you pay more.
	So if it happened to one of us, they would It'll pay off the house or pay off, you know, whatever.
	But what else?
	And I guess a Roth IRA or what else would you say that people need to do as far as investment?
	So it's very popular right now, and I have all my clients doing this.
	If you have an IRA, a 401k, a 403b, there's over $300 billion with a B going into this strategy in the last 12 months where you can roll over your IRA, 401k, into a fixed Index deferred annuity where you can't lose in the market.
	So you're in these U.S. fundamental, global, S&P 500 futures.
	You have some treasuries.
	You are diversified.
	And if the market were to go down, you lose nothing.
	And if the market were to go up, they'd give you 300% to 350% of whatever the market did.
	So in the last two years, this strategy has earned 55%.
	And no, that's not a typo, 5-5.
	Which means if you had $100,000 in the last 24 months, you earned $55,000 in this strategy.
	There's a no-cost strategy where it's absolutely free.
	And then there's a 1% cost strategy where you buy more contracts.
	And what you're doing is a lot of people don't understand what a call is, a put, a warrant, a stop.
	And what you're doing is you're betting against the market, you're betting with the market.
	And if the market loses, the company makes the money that's offering the product.
	And that's why they give you nothing because you can't lose.
	But if the market goes up, they give you 300% of whatever the market does.
	So it allows clients to cover inflation without having to worry about losing their nest egg through a correction.
	That's number one.
	If you're younger, what a lot of my clients do is they build a tax-free liquid pension.
	It's a very simple conversation.
	Do you want your retirement tax-free or taxable?
	Most people say tax-free.
	Do you want to have access to your money if there's an opportunity or an emergency with no fees or taxes?
	Yes.
	People say, well, yeah, we love that.
	Yeah.
	If you get disabled, would you like that funded for the rest of your life to guarantee your kid's college plan or your retirement?
	If you die, would you like to leave your family millions of dollars tax-free to supplement the income they lost by your death?
	Yes.
	If you need long-term care, would you like to have a quarter million dollars tax-free so you can stay home and celebrate holidays with their family?
	Or would you like to be thrown in jail, also known as a nursing home?
	Yeah.
	So it's very simple.
	People try to make it so complex and, you know, I'm going to use this to buy real estate, which a lot of my clients do.
	They do third-party collateralization.
	We can go super in-depth.
	We're going to lose 95% of people.
	So I try to make it as easy as possible.
	It's tax-free.
	It's liquid.
	It's non-market correlated.
	If it is in stocks, you can't do this.
	Within stocks, you can't lose.
	Meaning if the market drops 40%, you don't lose anything.
	So there's ways of hedging risk.
	There's ways of hedging the four risks right now, which is the market going down, taxes going up, inflation going up, and interest rates going up.
	One of my strategies, my popular one besides the rollover one of new money going into, is that when taxes go up, you lose nothing.
	When the market goes down, you lose nothing.
	When interest rates and inflation go up, you make more money.
	The people with 401Ks and 403Bs, what happens?
	When taxes go up, you lose money.
	When the market goes down, you lose money.
	When interest rates and inflation go up, you lose money.
	So we are in a spot right now where people that understand long-term planning, they understand economics, they take a look at historical trends like your friend did at this football game.
	Their conclusion was the world was going to end, right?
	The Great Depression is coming because there are a lot of factors that tell us it's coming.
	Number one is debt.
	Number two is repos up 1600%.
	The market has been down about 9% in the last 10 days.
	That's a really good indicator.
	So people are losing tons of money and they're looking for safe havens, but they can't keep it in cash because inflation is eating away 8% of their money, right?
	So they're looking for alternatives and they're scared.
	They don't know who to trust, what to do, right?
	And they're looking for somebody to tell me, well, just tell me what to do.
	And I have 1,600 clients with zero complaints, five-star rated, A-plus better business bureau.
	I've never hurt anybody.
	I've never charged anybody a dollar.
	Because what I do is I take the best of the insurance because I'm a broker.
	I don't work for any company.
	You meet somebody who works for like Ameriprise or World Financial Group or Wells Fargo.
	They can only sell you the products that company has to offer.
	So they are doing what's best for the company.
	When you work with an individual broker, a master broker is what I'm calling, then I'm doing what's best for you.
	I don't have any alliance.
	Where I have to sell you MetLife, MetLife Auto, MetLife Home, MetLife Annuity, MetLife Life Insurance, because they're the best.
	And no, they're not in any of them.
	I used to work there.
	So it's very important that you find somebody who knows what they're doing, has won awards, high-rated, published author, that doesn't hurt, getting featured in major publications in the last 90 days, going on podcasts, one a day, the last few weeks, and spreading this information.
	And having someone with 49 licenses in different states they do work in, it's just finding that person is very difficult because just like used car salesmen hurt people, financial advisors, financial planners hurt people.
	They do what's best for them for a commission to pay their Lamborghini.
	I've been an investment advisor for 16 years.
	I've been an insurance agent.
	I've done it all.
	And I built a proprietary strategy where I take the best of insurance, the best of investments, and I marry them.
	And I make sure you can't get hurt by a big loss, and I make sure you're covering inflation, making profit.
	But I'm also going to save you taxes, make you more money than inflation can cover.
	Protect your family and your business with life, disability, long-term care, chronic illness, terminal illness.
	If you have children, I'm going to build an asset that's non-disclosable in the FACIL form, and it's not going to disqualify your children from grants, scholarships, low-trade student loans, or financial aid.
	My assets are sue-proof in most states and divorce-proof.
	In some states.
	So HIPAA, people know about HIPAA because of 2020 and the whole COVID fiasco we went through.
	HIPAA laws prevent creditors from finding out if you have $5 million of cash in this account.
	So it is by far the best strategy long term because it's covering so many risks while making you so much money.
	And imagine leveraging that retirement account to make more money.
	What does that mean?
	Well, if you have a half a million dollars in your retirement, take out 200 grand, buy a million dollar rental property that's going to net you four or five thousand dollars a month on your retirement, take the profit, pay back the loan, and then do it again five years from now on more money.
	So now you're going to buy a 1.2 million dollar property, then a 1.6 million dollar property is what my wealthy clients do.
	They realize that handcuffing your money for 30 years is not smart.
	So, the real estate.
	I want to go into that.
	I know you said most people won't understand, but I do have a lot of friends.
	We actually flipped the house this year.
	Congratulations.
	We flipped some living, like buying a house, flipping it, and then making money, and then going to the next house, and that kind of thing.
	But we flipped one, actually.
	We bought it, I'll just tell you, for like $26,000 cash.
	And we bought it for that and then we flipped it and I think we had 90,000, 95,000 in it once we flipped it.
	My husband and my dad did a lot of work themselves, but they flipped it and then we sold it for around 150,000, maybe 155,000.
	So we did pretty good, you know, but they worked a lot.
	It was a lot of work, but it's, you know, it's money that, you know, We wouldn't have had.
	And so they learned a lot about plumbing and electrical and different things they had worked on and done, but not done at all.
	And so it was an adventure.
	So we would like to do it again.
	But the thing is, it took us, in my opinion, a long time to sell the house because other houses were selling and people, its interest rate had gone up.
	And so people that could have gotten qualified before, even some military with some VA loans and that kind of thing, interest rate was so high.
	Even just with a $150,000 house, it was like they were having a hard time getting financed because of the interest rate.
	So I was kind of scared now we've had a couple more properties we could buy.
	Like this one hadn't been lived in since 1996.
	So we pretty much gutted it to the studs and started all over.
	But it was a brick house, so it had a good structure, but everything had to be redone.
	So we would do another house, but it's kind of like...
	Right now, you don't want to get stuck with it.
	And then if you put $100,000 in it, then you're going to be paying that construction loan until you sell it.
	So it didn't seem like the right thing to do right now.
	But just talk about that a little bit, like how you would say that's a middle class.
	If you wanted to get involved in real estate to make money with the market the way it is, what kind of risk is that?
	Wow.
	Okay.
	So I think you did everything right, except you sold, not rented.
	People have a misconception.
	Can I ask you a question?
	We bought a rental property too.
	So we bought both houses.
	We bought that one at one time and then we bought a rental property at the same time that already had a renter.
	And so it actually has three properties on one.
	And so we bought that one for like $90,000.
	And I think the rental money coming in is about maybe $800 to $1,000 a month.
	So it's pretty good rental money, but it was like to offset what we made on the other house, maybe?
	Anyway.
	So do you think income or assets are more important in life right now?
	Assets.
	Yep.
	Most people do, and I believe you're wrong.
	And why I believe you're wrong is assets don't build your lifestyle.
	I have clients with 70 acres in New York City, $120 million property.
	You know how much money they're making on it?
	None.
	Negative $800,000 a year.
	Wow.
	Property taxes.
	Yeah.
	So people have a misconception.
	Let me build my assets, which is just a fake number on paper that could be changed with market changes.
	And laws.
	Can laws change income?
	Can market changes change income?
	That is a falsehood that Americans have that they believe assets are more important.
	Income is the most important thing in the world to food, shelter, quality of life, protection of your children, growth of your children.
	A house in Manhattan or in California in Los Angeles is not going to do that.
	So what do you do?
	You use being your own bank as a strategy to save money to buy rental properties, use the rental profit to pay back the loan To your own bank while you're still putting your paychecks in it.
	And then you get to buy a higher valued house, which is more income.
	And then you do it every four to five years.
	So what are you doing with your retirement is you're building a huge income stream.
	What is a pension?
	Is a pension an asset or an income?
	An income.
	Why people were so, in the 80s, 90s, and 2000s, they were so, oh, does it have pensions?
	Do they have pensions?
	Do they have a pension?
	Were they saying, do they have stock options?
	Do they have stock options?
	No.
	Because when you hit retirement, do you want to shovel snow?
	Do you want to flip a house and deal with a realtor and show the house and deal with the fluctuations in the market?
	Or would you like just to have a simple, peaceful life with God and your family?
	People make this too complicated.
	They really do.
	It's simple.
	It's not easy because you have to go against society, which is spend, spend, spend, consume, consume, consume.
	You're a loser unless you have a Louis Vuitton bag and a Lambeau.
	If you don't feed into the matrix, You don't feed into consumerism, which the government promotes.
	That's how they stay afloat while they're spending money like drunk sailors and sending billions of dollars to Ukraine, where over a million people have died.
	Where's the ticker on that on CNN? I haven't seen it.
	When you take a look at what is going on right now, the most important thing to protect yourself is income, not assets.
	Number two, build tax-free pools of money so you don't have to worry about when taxes go to 50, 60, 70, 80, 90% like they were in the 1960s and 1980s.
	Google it.
	You also want to be in an asset that has non-market correlation.
	So when the market does drop like your friend believes, you protect it.
	If it goes up, you still have the opportunity to make money.
	You also want to make sure you have life insurance for your family.
	And you want to make sure you have disability and long-term care.
	But with the whole by-term insurance, by a long-term care policy, by a disability policy, and that's the difference.
	There is no difference to invest for the average American.
	And if there was, they don't have the willpower and the ability to invest that.
	They're just going to blow it in their budget because they could.
	So having a forced savings account That's liquid, tax-free, non-market correlated, sue-proof, divorce-proof, disability and contributions, long-term care, life insurance, protect your family.
	There's four things you have to worry about financially.
	One is living long and running out of money.
	One is getting disabled where you can't work anymore and feed your family.
	Number two is dying, or number three is dying, and number four is needing long-term care.
	My strategy covers all four.
	A term policy covers one.
	401k covers one.
	Disability insurance policy covers one.
	A long-term care policy covers one.
	I can cover all for and make you money.
	It's a paradigm shift.
	People buy term insurance.
	You don't have life insurance.
	You have death insurance.
	And it's only for a period of time.
	And then after that period of time expires, you have nothing.
	And you're not as healthy as you were when you purchased it in your 20s, 30s, or 40s.
	I can't tell you how many millionaires I talked to and said, Joe, please get me life insurance.
	I'm like, I'm sorry.
	You had cancer.
	You had a DUI. You gained 100 pounds.
	You're on blood thinners.
	You had a heart attack.
	I can't.
	Joe, I'll give you $500,000 in cash.
	Do you get me a couple million dollars of life insurance?
	I said, I would love to take your money to get a huge commission.
	I can't.
	So people- You need to get life insurance right now then.
	You need to get as much as you comfortably can permanent-wise because you're owning real life insurance.
	Whenever you die, the company has to pay you that amount contractually.
	So I only work with A or A-plus rated companies.
	I only work with mutual companies, which means you're a policy owner, not a policy holder where stockholders have more rights than you do and you're the one paying into the thing and own the actual product.
	Right.
	And you have to understand these things when you do these type of plans.
	And a lot of people don't.
	So they're like, oh, I'll just open up a Robin or the TD Ameritrade.
	I'll just max my 401k up because it's too hard to think about.
	I don't want to get scammed like we saw with FTX, Silicon Valley Bank, Signature Bank, Bitcoin down 60% from its high.
	They don't want to get screwed.
	Excuse my French.
	So they'd rather just do the safe thing, which is the wrong thing.
	Mm-hmm.
	So, you know, the problem I've seen with rental property, and we have a rental property right now, but when people start hurting, they don't pay rent.
	And so then you've got to go through the whole eviction process, and it's Horrible.
	I hate it.
	But when it's working well, it works great.
	But during COVID, they got out in Georgia, I guess it was everywhere, but in Georgia, they got all these extensions.
	They didn't have to pay rent.
	And so people who were pretty well off and wealthy from rental properties, they were about bankrupt because they weren't paying rent and they couldn't evict them.
	You know why?
	Because they didn't have my strategy with a big pile of cash to get them through to hire the attorney to get them out.
	And if you couldn't get them out, You have that cash as supplement, right?
	When you buy risk, if you don't have a downside, like something to fall back on, which is called plan B, right?
	Plan A is everything goes perfect.
	Plan B is things don't go as planned, right?
	Right.
	Most people don't have a plan B. Most people go all in.
	And if you go all in on a blackjack can and you lose, what do you got left?
	Nothing.
	Nothing.
	But they went in on their blackjack, we're going to hit blackjack, we're going to beat the dealer, and if you don't, you lose everything.
	So you have to diversify.
	People don't diversify their stocks.
	Why?
	They have no bonds.
	It's all taxable.
	People don't diversify real estate because they go all in on real estate.
	And then when the real estate market crashes, like my wife's father owned a construction company in 2008.
	He was flipping houses, making hundreds of thousands of dollars in profit, as well as owning a construction company and making hundreds of thousands of dollars there.
	He invests all his money in new builds, and the bank says, we're not giving you the last tranche to finish his house.
	So what do you mean?
	I got $400,000 of my money that said I just need the $100,000 that you promised me so I can do the roof, I can do the windows, I can do the doors.
	Sorry, we're not giving it to you.
	He lost everything.
	Why?
	He did not have a strong foundation.
	He did not have a big pile of cash.
	He wasn't his own bank.
	And he trusted banks to be there for you.
	Banks will never be there for you.
	When you leave your money in the bank, they lend it out to 10 people called fractional lending.
	And they keep all the interest.
	You make anything?
	But then they'll lend you money, but you're paying interest on it.
	And if you don't pay them in two months, they'll repo your car.
	They'll foreclose on you.
	But if you're your own bank, you're not going to repo your own car.
	You're not going to foreclose your own house.
	It's a paradigm shift that people don't do.
	They rely on big government and big banks thinking they're your friend when they are not.
	You are a slave number, I mean social security number, blah, blah, blah, blah, blah.
	And that's who you are to them.
	You are a sheep, another ticket to be had, to be taken advantage of.
	And people don't like to see what's really behind the curtain.
	It scares them.
	They want to stay in their little bubble.
	Everything's great.
	Everything's fine.
	My banker's really nice and she's pretty too.
	And then when she gets fired and the branch shuts down and there's no money and they come repo your house.
	So it's very important to be your own bank.
	And that's what the wealthy have done.
	The wealthy realize, in order for me to sustain my current lifestyle, I have to be in control.
	I can't give the control to the government or the banks, and most Americans do.
	And they blow stupid money on dinners, on cars they shouldn't be driving, on vacation they shouldn't go to.
	And they need that instant gratification now.
	And the successful people?
	I have people that are worth $30, $40, $50 million.
	And he's asking me, Joe, should I buy an F-150?
	They're kind of high right now.
	I'm like, you're worth $50 million.
	You're talking about a $90,000 truck.
	It's a paradigm shift that people have to have.
	I have clients who made $700,000 a year and they were broke and bankrupt because they spent $701,000.
	And that's ethics.
	That's morals.
	If you are morally corrupt, it doesn't matter how much.
	You're in all these stories.
	Athletes, broke.
	You hit the lottery, broke.
	Because when you hit the lottery and get money, what does it do?
	It just amplifies who you are.
	If you're a spender and a bad person, you're going to buy drugs.
	You're going to get girls of the night.
	You're going to blow money stupidly.
	But if you're a philanthropist or you like giving to people, winning the lottery means you can help a lot of people.
	Money is not the issue.
	The issue is in you.
	The issue is who are you?
	Do you want to give money?
	Do you want to help people?
	Do you want to make this world a better place?
	Or are you a selfish POS that only cares about yourself?
	Those are the two variants of capitalism.
	And so tell me, Jo, about that.
	So your book that you wrote, and I want you to talk about it.
	We don't have about five minutes left, but I want to talk about your book a little bit.
	But talk about, have you seen people who are givers and who do for others that they are blessed?
	And it's almost supernatural what happens versus people who are all about themselves and material things.
	I believe we live in a karmatic karma.
	Spiritual, energetic, vibrational world.
	And I believe that if you do the right thing, it comes back to you and the people you love.
	If you do the wrong thing, it comes back to you and people you love.
	And so if you are, it's not just money, right?
	They say the root of all evil is money.
	I have a lot of money.
	Money is wonderful.
	It solves a lot of problems.
	It's a love of money.
	To games, I can bring my kids to any sports event I want, any vacation I want.
	I can have my children living in a safe neighborhood.
	I can have my wife driving a very safe SUV to bring my children around in case there's an accident.
	Money solves problems.
	But people look at money as God.
	Nothing replaces God.
	Yeshua, Jesus, He is number one.
	And if you're not worshipping Him and you're worshipping material, you are morally corrupt.
	And so it goes deep.
	It's not just, oh, if I put my dollar here, I'll be fine.
	It goes way deeper than that.
	And that's what people don't understand.
	They get so engulfed with materialistic things, which that's the devil's world.
	We're living in the devil's world.
	He controls us through materialistic things.
	I mean, look what women do of the night to pay their family.
	When they're high on drugs, what do they do?
	It's the first thing they sell.
	Right?
	So it's morally corrupt.
	And now we're legalizing drugs for our children to intake.
	We're chopping off genitals of our children.
	It's insanity.
	Bates with THC in it and selling it to 14-year-olds in convenience stores in South Georgia.
	I mean, think about that.
	It's so corrupt.
	And if you do what everybody else does historically, you will fail.
	You have to be a critical thinker.
	You have to think for yourself.
	When you said that about, you know, paradigm shift, I'm thinking it's almost like breaking off a mentality of enslavement that's through deception because the enemy is the prince of the world.
	He runs things here.
	We have authority and dominion in Jesus name.
	But if you are, you know, your heart has love of money and not love of God, like you talked about.
	And if you don't focus on doing the right thing and you're obsessed with material things, then, I mean, you're going to fail.
	That's just the way it is.
	And it sounds like a deception is broken off of people when they make that shift.
	So let's all make the shift, guys.
	Let's all make the shift and not be deceived and be caught up in these material things.
	Because right now, especially...
	We're going to be in a hard time and we're going to need to make good choices.
	So let's talk about your book before we go and tell people, I know you have a lot of this in your book, but is there something that you haven't covered that's in your book we can look forward to when they can go buy it and when's it gonna be available?
	I tried to make it free.
	It's on Kindle, Amazon Kindle.
	It's Being Your Own Bank by Joseph Lombardi.
	The other one is there's a better way than the 401k by Joseph Lombardi.
	I made them $4.99.
	I make like a dollar after like 100 are sold.
	I don't care about making the money.
	I'm just trying to give it out for free.
	If you want to email me, I will send you my book for free in Word format.
	I don't care about making a dollar.
	I care about helping people.
	You know, my residuals that I have on almost a billion dollars, they pay my lifestyle pretty well.
	So I don't have to work.
	I'm just trying to help people.
	That's all I'm trying to do.
	I'm trying to wake them up.
	I'm trying to shake them and say, what you're doing is wrong.
	There's a better way.
	And you don't have to work with me and Ironhawk.
	Take what I teach you and go with your best friend.
	As long as you stop overfunding 401Ks and IRAs and SEPs and SIMPLs and 403Bs and 457s that are unmatched.
	It is the worst investment and the only people that win is the government and Wall Street.
	You're helping pay somebody's freaking Lambeau bill.
	You're not helping yourself.
	My books are going to be simple.
	It's how do I utilize being my own bank strategy and the other one is how do I utilize a fixed index annuity and why is it good?
	It's very simple.
	It's two strategies that will help people, will save people a lot of money, whether it's on taxes, market losses, or increased profit on their investments.
	And that's all I want to do.
	That's why I believe I'm here.
	I believe that's why I went through a heck of a childhood.
	I had two choices to go to the devil or God and I was so lucky and smart I chose God.
	Because I am so blessed beyond belief with beautiful, healthy children, a great, strong wife, live in a safe neighborhood, have a great business, have great people who work with me.
	You know, I'm able to have these opportunities and meet great people like yourself, Candace.
	And I'm just, I'm very blessed.
	And I just want to do this as much as I can and help as many people as I can, period.
	And I never charge a dollar for my time very much.
	And that's why you are wealthy, because you're getting it back.
	I was telling you before we came on, we're looking for a verse to start out with.
	And I don't know why, but the Lord was telling me, it's like...
	In the Bible, Solomon, when he prayed, he asked God for wisdom and not money.
	And God gave him money.
	And he was the wealthiest man ever.
	And I was thinking about, you're going to share wisdom today that you don't have to share.
	This isn't going to make you money to share wisdom with us.
	You've been highly successful.
	You're anointed.
	God anointed you.
	And you have a gift.
	And you're sharing it with everybody.
	And so this is proof of what you're saying when you give back.
	The universe that God created, he says, oh, look, Joe's giving back.
	Let's give to him more than what he gave out.
	And that's how it works.
	Doing the right thing and living in peace and love with God and being karmatic and not expecting things.
	You know, I'm trying to give value before I even ask anyone to go to ironhawkfinancial.com or call me on my cell.
	You know what I'm saying?
	I'm just trying to help people.
	That's all I'm trying to do.
	Well, I appreciate you so much, and I want you to help me and Ryan, and we want your wisdom to help us.
	And so, if you'll tell everybody, you heard him say it's Ironhot Financial, is that.com?
	Yeah.
	So, we'll put it on the bottom of the screen, and they will reach out, they'll look, and they'll be so excited.
	I'm telling you, every financial person I've had on here, they get so excited about it.
	So, they're going to love this episode, and I appreciate you, and I'll have you back on again.
	I would love to.
	I appreciate you too.
	You have great energy and I know you're doing God's work in this world.
	And I know you and your husband are working together, which is amazing.
	You know, family, core, your children are seeing that.
	And the value of that is worth more than money when they see their parents working together for a common goal.
	So that's awesome.
	Thank you so much, Jo.
	I appreciate it.
	Y'all, come back next week.
	It's Jesus, Guns, and Babies.
	It'll be at 8 p.m.
	on the 2 Peter's Network on Saturday.
	And I love you.
	God bless you and God bless America.
	Hey, I know what you need to do right now today, and that is invest in gold and silver.
	I have a great friend.
	His name's Terry Sacka, and he owns CornerstoneAssetMetals.com.
	You can go there.
	There's a phone number.
	You can call.
	They will walk you through.
	Christian Patriots will walk you through.
	Your budget.
	What you have for investments.
	And they will help you diversify.
	It is so important.
	Our dollar has become diluted.
	Inflation is on the rise.
	And we have to diversify.
	We can't keep everything in the bank.
	We can't keep everything in the stock market.
	And we surely can't keep everything in cash.
	We have to take our money and invest in gold and silver.
	That's what's going to stand the test of time.
	That is what is going to be there when nothing else is.
	So I encourage you to go to Cornerstone Asset Metals today.

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